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Filing tables
Filing exhibits
- 10-K Annual report
- 10.9 First Amendment to Employment Agreement with Ohaver Dated Effective Dec 1 2014
- 10.17 Employment Agreement, Dated September 11, 2013, Eckhardt
- 12.0 Ratio of Earnings to Fixed Charges
- 21.1 Subsidiaries of the Registrant
- 23.1 Consent of Independent Registered Public Accounting Firm
- 31.1 Certification of Chief Executive Officer Under Section 302
- 31.2 Certification of Principal Financial Officer Under Section 302
- 31.3 Certification of Principal Accounting Officer Under Section 302
- 32 Certification of CEO, Pfo, and Pao Pursuant to Section 902
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Exhibit 12
Ratio of Earnings to Fixed Charges
The following table shows the ratio of earnings to fixed charges for the Company, on a consolidated basis.
2014 | 2013 | 2012 | 2011 | 2010 | 2009 | |||||||
Consolidated ratios of earnings to fixed charges | ||||||||||||
Excluding interest on deposits | 10.20 | 9.82 | 9.76 | 7.34 | 2.94 | (12.60 | ) | |||||
Including interest on deposits | 5.70 | 4.99 | 4.18 | 2.52 | 1.36 | (0.89 | ) |
The ratio of earnings to fixed charges is calculated as net income before income taxes plus fixed charges minus interest capitalized.
Fixed charges, excluding interest on deposits, consist of:
• Contractual interest on short-term borrowing and long-term debt,
• Amortization of debt issuance costs,
• Capitalized interest, and
• Amortization of fair value of adjustments for instruments assumed in purchase business combinations.
Fixed charges, including interest on deposits, consist of all of the items listed immediately above and interest on deposits.