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Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigious | ||
Readability |
H.S. freshman Avg
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New words:
agenda, AML, AOCI, augment, aware, backup, begun, Bulletin, buyout, cent, charitable, clawback, combat, compelling, constraint, costly, cybersecurity, Dec, defrauded, destruction, destructive, disease, disgruntled, disparate, Drug, easing, electrical, email, empowered, entail, entry, espionage, explicit, FCRA, FDIA, FinCEN, flat, formatted, fueled, furnished, gathering, healthy, HMDA, impossible, imprudent, inconsistent, indeterminate, infected, intellectual, intensity, interact, Interagency, Intercept, interchange, interdependence, interruption, interstate, intervention, Jana, Kingdom, license, Litsey, malfeasance, MDA, nationwide, necessity, notification, notified, Obstruct, OFAC, offline, owed, PCAOB, persuading, pertinent, population, possession, prescreening, proceed, procurement, proliferation, promulgated, ransom, ransomware, rebalancing, recordkeeping, recruit, referral, refunded, rendered, replicate, Republican, restated, Restatement, retrieval, revaluation, revalued, routing, SAB, seasonal, seasoning, Sentiment, sequentially, Southern, sovereign, steady, storage, store, stranded, subrogee, sudden, suffer, surcharge, suspected, TCJA, traditionally, transmission, Trump, undergo, undesirable, usable, verification, virtue, wholly, XBRL
Removed:
ABS, accessing, advisor, agent, appeal, asserted, automatic, back, breakage, Camco, casualty, centered, Cheap, CMO, Comm, considerable, consolidate, constructed, consultant, count, County, damaging, deal, declined, deferring, degrade, denominator, destroy, differential, directive, disability, disable, disruptive, easily, efficiently, eligibility, eliminate, engineer, evidenced, expressed, FDICIA, Finally, Fitch, forma, gas, gave, Gerlach, Grand, household, HQLA, inconvenience, initiate, initiative, instituted, insurer, intelligence, Isaac, Jr, label, MBS, MM, moved, moving, nationally, noninvestment, observed, oil, optimizing, ordinarily, overhaul, passage, piece, pose, preliminary, prepare, pressure, prevented, pro, quantity, quicker, reading, reallocated, reallocation, reapply, recommendation, remeasured, reorganization, repaying, resiliency, resolve, sabotage, satisfactorily, shorten, shorter, shown, Sky, sponsorship, strict, structural, submission, subordination, subtracting, supersede, survive, sustainability, title, tranche, Truth, uncovered, varying, vigorously, weighting
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Exhibit 12.1
Ratio of Earnings to Fixed Charges | Twelve Months Ended December 31, | |||||||||||||||||||
2017 | 2016 | 2015 | 2014 | 2013 | ||||||||||||||||
(dollar amounts in millions) | ||||||||||||||||||||
Earnings: | ||||||||||||||||||||
Income before income taxes | $ | 1,394 | $ | 920 | $ | 914 | $ | 853 | $ | 869 | ||||||||||
Add: Fixed charges, excluding interest on deposits | 275 | 181 | 100 | 71 | 57 | |||||||||||||||
Earnings available for fixed charges, excluding interest on deposits | 1,669 | 1,101 | 1,014 | 924 | 926 | |||||||||||||||
Add: Interest on deposits | 180 | 102 | 82 | 86 | 116 | |||||||||||||||
Earnings available for fixed charges, including interest on deposits | $ | 1,849 | $ | 1,203 | $ | 1,096 | $ | 1,010 | $ | 1,042 | ||||||||||
Fixed Charges: | ||||||||||||||||||||
Interest expense, excluding interest on deposits | $ | 251 | $ | 161 | $ | 82 | $ | 53 | $ | 40 | ||||||||||
Interest factor in net rental expense | 24 | 20 | 18 | 18 | 17 | |||||||||||||||
Total fixed charges, excluding interest on deposits | 275 | 181 | 100 | 71 | 57 | |||||||||||||||
Add: Interest on deposits | 180 | 102 | 82 | 86 | 116 | |||||||||||||||
Total fixed charges, including interest on deposits | $ | 455 | $ | 283 | $ | 182 | $ | 157 | $ | 173 | ||||||||||
Ratio of Earnings to Fixed Charges | ||||||||||||||||||||
Excluding interest on deposits | 6.07 | X | 6.07 | X | 10.17 | X | 13.07 | X | 16.23 | X | ||||||||||
Including interest on deposits | 4.06 | X | 4.25 | X | 6.03 | X | 6.43 | X | 6.01 | X |