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Content analysis
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Readability |
8th grade Avg
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Exhibit 12
Bank of Hawaii Corporation and Subsidiaries
Statement Regarding Computation of Ratios
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| Nine Months Ended |
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(dollars in thousands) |
| September 30, 2004 |
| September 30, 2003 |
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Earnings: |
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1. | Income Before Income Taxes |
| $ | 198,566 |
| $ | 147,402 |
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2. | Plus: Fixed Charges Including Interest on Deposits |
| 49,619 |
| 63,038 |
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3. | Earnings Including Fixed Charges |
| 248,185 |
| 210,440 |
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4. | Less: Interest on Deposits |
| 26,750 |
| 38,040 |
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5. | Earnings Excluding Interest on Deposits |
| $ | 221,435 |
| $ | 172,400 |
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Fixed Charges: |
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6. | Fixed Charges Including Interest on Deposits |
| $ | 49,619 |
| $ | 63,038 |
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7. | Less: Interest on Deposits |
| 26,750 |
| 38,040 |
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8. | Fixed Charges Excluding Interest on Deposits |
| $ | 22,869 |
| $ | 24,998 |
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Ratio of Earnings to Fixed Charges: |
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Including Interest on Deposits (Line 3 divided by Line 6) |
| 5.0x |
| 3.3x |
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Excluding Interest on Deposits (Line 5 divided by Line 8) |
| 9.7x |
| 6.9x |
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