Encore Bancshares (EBTX) S-3 Shelf registration

Exhibit 12.1

Computation of Consolidated Ratios of Earnings to Combined Fixed Charges

	Six Months Ended June 30,						Years Ended December 31,
	2011			2010			2010			2009			2008			2007			2006
	(Dollars in Thousands)
Ratio of earnings to fixed charges including interest on deposits:
Income (loss) before income taxes	$	4,674		$	(23,347	)	$	(37,527	)	$	2,748		$	(12,962	)	$	10,505		$	11,427
Fixed charges		9,808			13,200			25,207			31,679			37,976			48,267			46,590
	$	14,482		$	(10,147	)	$	(12,320	)	$	34,427		$	25,014		$	58,772		$	58,017
Fixed charges:
Interest expense	$	9,392		$	12,727		$	24,304		$	30,731		$	36,997		$	47,252		$	45,637
Interest factor in rent expense		416			473			903			948			979			1,015			953
	$	9,808		$	13,200		$	25,207		$	31,679		$	37,976		$	48,267		$	46,590
Ratio of earnings to fixed charges		1.48			(0.77	)		(0.49	)		1.09			0.66			1.22			1.25
	Six Months Ended June 30,						Years Ended December 31,
	2011			2010			2010			2009			2008			2007			2006
	(Dollars in Thousands)
Ratio of earnings to fixed charges excluding interest on deposits:
Income (loss) before income taxes:	$	4,674		$	(23,347	)	$	(37,527	)	$	2,748		$	(12,962	)	$	10,505		$	11,427
Fixed charges		5,234			5,323			10,607			10,666			10,105			9,608			16,070
	$	9,908		$	(18,024	)	$	(26,920	)	$	13,414		$	(2,857	)	$	20,113		$	27,497
Fixed charges:
Interest expense	$	9,392		$	12,727		$	24,304		$	30,731		$	36,997		$	47,252		$	45,637
Interest factor in rent expense		416			473			903			948			979			1,015			953
Less interest on deposits		(4,574	)		(7,877	)		(14,600	)		(21,013	)		(27,871	)		(38,659	)		(30,520	)
	$	5,234		$	5,323		$	10,607		$	10,666		$	10,105		$	9,608		$	16,070
Ratio of earnings to fixed charges		1.89			(3.39	)		(2.54	)		1.26			(0.28	)		2.09			1.71

Computation of Consolidated Ratios of Earnings to Combined Fixed

Charges and Preferred Dividends

	Six Months Ended June 30,						Years Ended December 31,
	2011			2010			2010			2009			2008			2007			2006
	(Dollars in Thousands)
Ratio of earnings to fixed charges and preferred dividends including interest on deposits:
Income (loss) before income taxes	$	4,674		$	(23,347	)	$	(37,527	)	$	2,748		$	(12,962	)	$	10,505		$	11,427
Fixed charges		11,429			14,942			28,651			35,086			38,242			48,267			46,590
	$	16,103		$	(8,405	)	$	(8,876	)	$	37,834		$	25,280		$	58,772		$	58,017
Fixed charges:
Interest expense	$	9,392		$	12,727		$	24,304		$	30,731		$	36,997		$	47,252		$	45,637
Interest factor in rent expense		416			473			903			948			979			1,015			953
Pre-tax earnings to cover preferred dividends		1,621			1,742			3,444			3,407			266			—			—
	$	11,429		$	14,942		$	28,651		$	35,086		$	38,242		$	48,267		$	46,590
Ratio of earnings to fixed charges and preferred dividends		1.41			(0.56	)		(0.31	)		1.08			0.66			1.22			1.25
	Six Months Ended June 30,						Years Ended December 31,
	2011			2010			2010			2009			2008			2007			2006
	(Dollars in Thousands)
Ratio of earnings to fixed charges and preferred dividends excluding interest on deposits:
Income (loss) before income taxes	$	4,674		$	(23,347	)	$	(37,527	)	$	2,748		$	(12,962	)	$	10,505		$	11,427
Fixed charges		6,855			7,065			14,051			14,073			10,371			9,608			16,070
	$	11,529		$	(16,282	)	$	(23,476	)	$	16,821		$	(2,591	)	$	20,113		$	27,497
Fixed charges:
Interest expense	$	9,392		$	12,727		$	24,304		$	30,731		$	36,997		$	47,252		$	45,637
Interest factor in rent expense		416			473			903			948			979			1,015			953
Pre-tax earnings to cover preferred dividends		1,621			1,742			3,444			3,407			266			—			—
Less interest on deposits		(4,574	)		(7,877	)		(14,600	)		(21,013	)		(27,871	)		(38,659	)		(30,520	)
	$	6,855		$	7,065		$	14,051		$	14,073		$	10,371		$	9,608		$	16,070
Ratio of earnings to fixed charges and preferred dividends		1.68			(2.30	)		(1.67	)		1.20			(0.25	)		2.09			1.71