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- 10-K Annual report
- 3.6 Articles of Merger of the Stockmen's Bancorp, Inc.
- 10.10 Trust Agreement Establishing the Deferred Compansation Plan Trust
- 10.12 Amendment to Trust Agreement Establishing the Deferred Compensation Plans Trust
- 10.13 Zions Bancorporation Deferred Compensation Plans Master Trust
- 10.14 Revised Schedule C to Deferred Compensation Plans Master Trust
- 10.28 Seventh Amendment to the Payshelter 401(K) and Employee Stock Ownership Plan
- 10.39 Form of Change In Control Agreement
- 10.40 Employment Agreement Between the Company and Paul B. Murphy
- 10.41 Employment Agreement Between the Company and Scott J. Mclean
- 12 Ratio of Earnings to Fixed Charges
- 21 List of Subsidiaries of Zions Bancorporation
- 23 Consent of Independent Registered Public Accounting Firm
- 31.1 Certification of Chief Executive Officer
- 31.2 Certification of Chief Financial Officer
- 32 Certification of Chief Executive Officer and Chief Financial Officer
EXHIBIT 12
RATIOS OF EARNINGS TO FIXED CHARGES
AND EARNINGS TO FIXED CHARGES AND PREFERRED DIVIDENDS
The following table sets forth certain information regarding our consolidated ratios of earnings to fixed charges and earnings to fixed charges and preferred stock dividend. Fixed charges represent interest expense, a portion of rent expense representative of interest, trust-preferred securities related expense, and amortization of debt issuance costs.
Year ended December 31, | |||||||||||
(In thousands, except ratio amounts) | 2006 | 2005 | 2004 | 2003 | 2002 | ||||||
Fixed Charges: | |||||||||||
Interest expense excluding deposits | $ | 303,689 | 195,169 | 143,447 | 116,606 | 134,797 | |||||
Portion of rents representative of an interest factor | 17,182 | 13,871 | 13,528 | 12,825 | 10,782 | ||||||
Fixed charges excluding interest on deposits | 320,871 | 209,040 | 156,975 | 129,431 | 145,579 | ||||||
Interest on deposits | 749,708 | 353,737 | 187,195 | 187,288 | 285,980 | ||||||
Fixed charges including interest on deposits | $ | 1,070,579 | 562,777 | 344,170 | 316,719 | 431,559 | |||||
Fixed Charges and Preferred Stock Dividend: | |||||||||||
Interest expense excluding deposits | $ | 303,689 | 195,169 | 143,447 | 116,606 | 134,797 | |||||
Portion of rents representative of an interest factor | 17,182 | 13,871 | 13,528 | 12,825 | 10,782 | ||||||
Preferred stock dividend requirement | 5,927 | – | – | – | – | ||||||
Fixed charges and preferred stock dividend excluding interest on deposits | 326,798 | 209,040 | 156,975 | 129,431 | 145,579 | ||||||
Interest on deposits | 749,708 | 353,737 | 187,195 | 187,288 | 285,980 | ||||||
Fixed charges and preferred stock dividend including interest on deposits | $ | 1,076,506 | 562,777 | 344,170 | 316,719 | 431,559 | |||||
Earnings: | |||||||||||
Income from continuing operations before income taxes | $ | 912,924 | 741,887 | 624,391 | 546,159 | 481,149 | |||||
Equity in undistributed earnings of unconsolidated subsidiaries | (5,800) | (7,161) | (6,943) | (8,748) | (12,047) | ||||||
Fixed charges excluding interest on deposits | 320,871 | 209,040 | 156,975 | 129,431 | 145,579 | ||||||
Earnings excluding interest on deposits | 1,227,995 | 943,766 | 774,423 | 666,842 | 614,681 | ||||||
Interest on deposits | 749,708 | 353,737 | 187,195 | 187,288 | 285,980 | ||||||
Earnings including interest on deposits | $ | 1,977,703 | 1,297,503 | 961,618 | 854,130 | 900,661 | |||||
Ratio of earnings to fixed charges: | |||||||||||
Excluding interest on deposits | 3.83 | 4.51 | 4.93 | 5.15 | 4.22 | ||||||
Including interest on deposits | 1.85 | 2.31 | 2.79 | 2.70 | 2.09 | ||||||
Ratio of earnings to fixed charges and preferred stock dividend: | |||||||||||
Excluding interest on deposits | 3.76 | 4.51 | 4.93 | 5.15 | 4.22 | ||||||
Including interest on deposits | 1.84 | 2.31 | 2.79 | 2.70 | 2.09 |