Bank of Hawaii (BOH) 10-Q2002 Q3 Quarterly report

Filed: 29 Oct 02, 12:00am

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New words: affirmed, affluent, backdrop, certify, certifying, challenged, charitable, Chief, Coast, commensurate, communication, community, confirmed, delay, deployed, East, endedSeptember, entity, equate, excise, fact, fairly, foundation, fraud, function, gaming, hospitality, increasingly, inflow, intermountain, ITSRP, knowledge, misleading, modest, momentum, newly, order, outlook, overnight, payoff, personal, personnel, placement, pre, preference, prepayment, ratably, recession, relocate, relocation, render, resiliency, retention, role, roughly, scheduled, Selection, shopping, smaller, stability, stabilization, unearned, untrue, virtually, western

Removed: close, combined, comprised, enabled, funded, improving, March, office, ownership, payable, principally, reclassification, remain, spread, visitor, wind

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EXHIBIT 12

Bank of Hawaii Corportation

Exhibit 12—Statement Regarding Computation of Ratios

Nine Months Ended September 30, 2002 and 2001



(dollars in millions) (Unaudited)	2002			2001

Earnings:
1. Income Before Income Taxes	$	143.8		$	209.4
2. Plus: Fixed Charges Including Interest on Deposits		118.8			305.8

3. Earnings Including Fixed Charges		262.7			515.1
4. Less: Interest on Deposits		66.7			182.1

5. Earnings Excluding Interest on Deposits	$	196.0		$	333.0

Fixed Charges:
6. Fixed Charges Including Interest on Deposits	$	118.8		$	305.8
7. Less: Interest on Deposits		66.7			182.1

8. Fixed Charges Excluding Interest on Deposits	$	52.1		$	123.6

Ratio of Earnings to Fixed Charges:
Including Interest on Deposits (Line 3 divided by Line 6)		2.2	x		1.7	x
Excluding Interest on Deposits (Line 5 divided by Line 8)		3.8	x		2.7	x