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EXHIBIT 12
PEOPLES BANCORP INC. ANNUAL REPORT ON FORM 10-K
FOR FISCAL YEAR ENDED DECEMBER 31, 2011
STATEMENTS REGARDING COMPUTATION OF CONSOLIDATED RATIOS OF
EARNINGS TO COMBINED FIXED CHARGES AND PREFERRED STOCK DIVIDENDS
APPEARING IN ANNUAL REPORT ON FORM 10-K
Year Ended December 31, | |||||||||
(Dollars in thousands) | 2011 | 2010 | 2009 | ||||||
Excluding Interest on Deposits: | |||||||||
Earnings: | |||||||||
Income before income taxes | $ | 17,151 | $ | 5,753 | $ | 3,126 | |||
Fixed charges (excluding preferred stock dividends) | 7,532 | 10,616 | 14,439 | ||||||
Total earnings | 24,683 | 16,369 | 17,565 | ||||||
Fixed charges: | |||||||||
Interest expense (excluding deposit interest) | 7,224 | 10,311 | 14,139 | ||||||
Rent expense interest factor (1) | 307 | 306 | 300 | ||||||
Preferred stock dividends (2) | 1,343 | 2,052 | 1,876 | ||||||
Total fixed charges (excluding deposit interest) | 8,874 | 12,669 | 16,315 | ||||||
Ratio of Earnings to Fixed Charges, | |||||||||
Excluding Interest on Deposits | 2.78 | 1.29 | 1.08 | ||||||
Including Interest on Deposits: | |||||||||
Earnings: | |||||||||
Income before income taxes | $ | 17,151 | $ | 5,753 | $ | 3,126 | |||
Fixed charges (excluding preferred stock dividends) | 21,462 | 29,738 | 40,562 | ||||||
Total earnings | 38,613 | 35,491 | 43,688 | ||||||
Fixed charges: | |||||||||
Interest expense (including deposit interest) | 21,154 | 29,433 | 40,262 | ||||||
Rent expense interest factor (1) | 307 | 306 | 300 | ||||||
Preferred stock dividends (2) | 1,343 | 2,052 | 1,876 | ||||||
Total fixed charges (including deposit interest) | 22,804 | 31,791 | 42,438 | ||||||
Ratio of Earnings to Fixed Charges, | |||||||||
Including Interest on Deposits | 1.69 | 1.12 | 1.03 |
(1) | Represents one-third of gross rental expense, which management believes is representative of the interest factor. |
(2) | Represents the dividends accrued on the Series A Preferred Shares during the period. |