Eagle Bancorp (EGBN) 10-K 2016 FY Annual report

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Exhibit 12

RATIO OF EARNINGS TO FIXED CHARGES
AND PREFERRED STOCK DIVIDEND REQUIREMENT

	Years Ended December 31,
(dollars in thousands)	2016		2015		2014		2013		2012
Earnings:
Income before income taxes	$	159,102	$	135,216	$	86,216	$	75,325	$	56,172
Fixed charges, excluding preferred stock dividend requirement		27,640		19,238		13,095		12,504		14,414
Total earnings including fixed charges(a)	$	186,742	$	154,454	$	99,311	$	87,829	$	70,586
Fixed charges:
Interest on deposits	$	19,248	$	14,343	$	9,638	$	10,614	$	12,057
Interest on customer repurchase agreements and federal funds purchased		167		132		143		254		325
Interest on short-term borrowings		732		86		31		—		3
Interest on long-term borrowings deposits		7,493		4,677		3,283		1,636		2,029
Preferred stock dividend requirements (pre-tax)		—		965		976		907		901
Total fixed charges(b)	$	27,640	$	20,203	$	14,071	$	13,411	$	15,315
Ratio of earnings to fixed charges and preferred stock dividend requirement (pre-tax)(a/b)		6.76		7.65		7.06		6.55		4.61
Earnings, excluding interest on deposits:
Total earnings including fixed charges	$	186,742	$	154,454	$	99,311	$	87,829	$	70,586
Less interest on deposits		19,248		14,343		9,638		10,614		12,057
Total earnings excluding interest on deposits(c)	$	167,494	$	140,111	$	89,673	$	77,215	$	58,529
Fixed charges, excluding interest on deposits:
Total fixed charges	$	27,640	$	20,203	$	14,071	$	13,411	$	15,315
Less interest on deposits		19,248		14,343		9,638		10,614		12,057
Total fixed charges, excluding interest on deposits(d)	$	8,392	$	5,860	$	4,433	$	2,797	$	3,258
Ratio of earnings to fixed charges and preferred stock dividend requirement (pre-tax), excluding interest on deposits (c/d)		19.96		23.91		20.23		27.61		17.96

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Exhibit 12

RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDEND REQUIREMENT