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Filing tables
Filing exhibits
- 10-Q Quarterly report
- 3.1 Restated Certificate of Incorporation
- 12 Computation of Ratio of Earnings to Fixed Charges
- 31.1 Certification of Chief Executive Officer Pursuant to Rule 13A-14(A)
- 31.2 Certification of Chief Financial Officer Pursuant to Rule 13A-14(A)
- 32 Certification of Chief Executive Officer and Chief Fiancial Officer Pursuant to 18 U.s.c. Section 1350
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EXHIBIT 12
Computation of Ratio of Earnings to Fixed Charges
Three Months Ended | |||||
(Dollars in Millions) | March 31, 2008 | ||||
Earnings | |||||
1. | Net income | $ | 1,090 | ||
2. | Applicable income taxes, including interest expense related to unrecognized tax positions | 476 | |||
3. | Income before income taxes (1 + 2) | $ | 1,566 | ||
4. | Fixed charges: | ||||
a. Interest expense excluding interest on deposits* | $ | 796 | |||
b. Portion of rents representative of interest and amortization of debt expense | 20 | ||||
c. Fixed charges excluding interest on deposits (4a + 4b) | 816 | ||||
d. Interest on deposits | 606 | ||||
e. Fixed charges including interest on deposits (4c + 4d) | $ | 1,422 | |||
5. | Amortization of interest capitalized | $ | – | ||
6. | Earnings excluding interest on deposits (3 + 4c + 5) | 2,382 | |||
7. | Earnings including interest on deposits (3 + 4e + 5) | 2,988 | |||
8. | Fixed charges excluding interest on deposits (4c) | 816 | |||
9. | Fixed charges including interest on deposits (4e) | 1,422 | |||
Ratio of Earnings to Fixed Charges | |||||
10. | Excluding interest on deposits (line 6/line 8) | 2.92 | |||
11. | Including interest on deposits (line 7/line 9) | 2.10 | |||
* | Excludes interest expense related to unrecognized tax positions. |