- Track your favorite companies
- Receive email alerts for new filings
- Personalized dashboard of news and more
- Access all data and search results
Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
H.S. freshman Avg
|
EXHIBIT 12
PEOPLES BANCORP INC. ANNUAL REPORT ON FORM 10-K
FOR FISCAL YEAR ENDED DECEMBER 31, 2006
COMPUTATION OF RATIOS
RETURN ON AVERAGE ASSETS |
| Net income/Average assets |
|
|
|
RETURN ON AVERAGE STOCKHOLDERS' EQUITY |
| Net income/Average stockholders' equity |
|
|
|
NET INTEREST MARGIN |
| Fully tax equivalent net interest income/Average earning assets |
|
|
|
EFFICIENCY RATIO |
| (Other expense less intangible amortization)/(Fully tax equivalent net interest income plus non-interest income) |
|
|
|
AVERAGE STOCKHOLDERS' EQUITY TO AVERAGE ASSETS |
| Average stockholders' equity/Average assets |
|
|
|
AVERAGE LOANS TO AVERAGE DEPOSITS |
| Average gross loans/Average deposits |
|
|
|
TIER 1 CAPITAL RATIO |
| Stockholders' equity less intangible assets and securities mark-to-market capital reserve ("Tier 1 Capital")/Risk adjusted assets |
|
|
|
TOTAL RISK-BASED CAPITAL RATIO |
| Tier 1 Capital plus allowance for loan losses/Risk adjusted assets |
|
|
|
TIER 1 LEVERAGE RATIO |
| Tier 1 Capital /Quarterly average assets |
|
|
|
DIVIDEND PAYOUT RATIO |
| Dividends declared/Net income |
|
|
|
BOOK VALUE PER SHARE |
| Total stockholders' equity/Common shares outstanding at year-end |
|
|
|
TANGIBLE BOOK VALUE PER SHARE |
| (Total stockholders' equity less goodwill and other intangible assets)/Common shares outstanding at fiscal year-end |