Wilshire Bancorp (WIBC) 10-K 2015 FY Annual report

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EXHIBIT 12.1

Ratio of Earnings to Fixed Charges
(Dollars in Thousands)

	For the Years Ended December 31,
	2015			2014			2013			2012			2011
Excluding interest on deposits		29.98	x		40.83	x		47.95	x		22.87	x		1.43	x
Including interest on deposits		4.68	x		5.91	x		6.05	x		5.62	x		1.13	x
Net income (loss)	$	61,405		$	59,009		$	45,376		$	92,305		$	(30,330	)
Income tax provision (benefit)		34,501			30,255			22,281			(4,333	)		33,625
Income before income taxes	$	95,906		$	89,264		$	67,657		$	87,972		$	3,295
Earnings before income taxes and fixed charges including interest on deposits	$	121,957		$	107,431		$	81,066		$	107,015		$	29,542
Earnings before income taxes and fixed charges excluding interest on deposits	$	99,215		$	91,505		$	69,098		$	91,994		$	11,001
Interest on deposits	$	22,742		$	15,926		$	11,968		$	15,021		$	18,541
Interest on other borrowings		3,309			2,241			1,441			2,034			4,048
Preferred stock dividends		—			—			—			1,988			3,658
Total fixed charges and Preferred Stock dividends, including interest on deposits	$	26,051		$	18,167		$	13,409		$	19,043		$	26,247
Total fixed charges and Preferred Stock dividends, excluding interest on deposits	$	3,309		$	2,241		$	1,441		$	4,022		$	7,706

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EXHIBIT 12.1

Ratio of Earnings to Fixed Charges (Dollars in Thousands)