M&T Bank (MTB) 10-K2010 FY Annual report

Filed: 22 Feb 11, 12:00am

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EXHIBIT 12.1

M&T BANK CORPORATION AND SUBSIDIARIES

Computations of Consolidated Ratios of Earnings to Fixed Charges


	Year Ended December 31
	2010		2009		2008		2007		2006
	(Dollars in thousands)
Excluding interest on deposits

Fixed charges:
Interest expense (excluding interest on deposits)	$	274,584		347,166		671,946		735,257		561,686
Interest factor within rent expense (a)		31,565		29,670		24,618		21,608		20,135


Total fixed charges	$	306,149		376,836		696,564		756,865		581,821


Earnings:
Income before income taxes	$	1,092,789		519,291		739,779		963,537		1,231,642
Fixed charges		306,149		376,836		696,564		756,865		581,821


Total earnings	$	1,398,938		896,127		1,436,343		1,720,402		1,813,463


Ratio of earnings to fixed charges, excluding interest on deposits	x	4.57		2.38		2.06		2.27		3.12


Including interest on deposits

Fixed charges:
Interest expense	$	462,269		669,449		1,337,795		1,694,576		1,496,552
Interest factor within rent expense (a)		31,565		29,670		24,618		21,608		20,135


Total fixed charges	$	493,834		699,119		1,362,413		1,716,184		1,516,687


Earnings:
Income before income taxes	$	1,092,789		519,291		739,779		963,537		1,231,642
Fixed charges		493,834		699,119		1,362,413		1,716,184		1,516,687


Total earnings	$	1,586,623		1,218,410		2,102,192		2,679,721		2,748,329


Ratio of earnings to fixed charges, including interest on deposits	x	3.21		1.74		1.54		1.56		1.81


(a)		The portion of rents shown as representative of the interest factor is one-third of total net operating lease expenses.