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Filing tables
Filing exhibits
- 10-Q Quarterly report
- 10.12 Non-employee Directors Compensation
- 10.14 Amended and Restated Annual Incentive Compensation Plan
- 10.15 2004 Key Executive Incentive Compensation Plan
- 10.16 Description of Performance Goals for the Company's CEO
- 12 Computations of Ratios
- 31.1 Certification of CEO
- 31.2 Certification of CFO
- 32.1 Certification of CEO
- 32.2 Certification of CFO
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EXHIBIT 12
COMPUTATIONS OF RATIOS OF EARNINGS TO FIXED CHARGES
| Three Months Ended December 31, | ||||||
(in thousands) | 2005 | 2004 | ||||
Income before taxes on income | $ | 438,578 | $ | 335,649 | ||
Add fixed charges: | ||||||
Interest expense – excluding interest on deposits | 9,428 | 8,388 | ||||
Interest expense – deposits | 2,966 | 1,408 | ||||
Interest factor on rent1 | 3,978 | 3,720 | ||||
Total fixed charges | 16,372 | 13,516 | ||||
Earnings before fixed charges and taxes on income | $ | 454,950 | $ | 349,165 | ||
Ratio of earnings to fixed charges – including interest on deposits | 27.8 | 25.8 | ||||
Ratio of earnings to fixed charges – excluding interest on deposits | 33.7 | 28.7 | ||||
| 1 | Interest factor on rent represents one-third of rental expense (the approximate portion of rental expense representing interest). |