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| Constraining | ||
| Legalese | ||
| Litigous | ||
| Readability |
H.S. freshman Bad
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New words:
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Removed:
accredited, adjustable, Alexander, amortizing, BIF, Bol, broaden, campaign, Career, certificate, chartered, Chestnut, computation, convert, converted, declaration, differentiate, diminished, directive, duly, Ely, empowered, exchanged, exhibit, expanded, Galloping, governing, Hanover, Hill, Hospital, inapplicable, Incorporation, Indenture, john, jr, Julie, kennedy, lomakin, Main, Mall, McGowan, member, Millburn, Nunn, operated, paul, placement, preformed, prescribe, prohibit, promoted, promotion, prompted, prone, reaction, registration, SAIF, Sandler, School, scope, seek, simply, sum, thereunto, traveler, truth, undersigned, unimpaired, vulnerable, Wilmington
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Exhibit 12.1
Ratios of Earnings to Fixed Charges and Preferred Dividends
| Years ended December 31, | |||||||||||||||||||||
| 2008 | 2007 | 2006 | 2005 | 2004 | |||||||||||||||||
| (Dollars in Thousands) | |||||||||||||||||||||
| Earnings: | |||||||||||||||||||||
| 1. | Income before income taxes | $ | 7,409 | $ | 923 | $ | 569 | $ | 8,830 | $ | 9,246 | ||||||||||
| 2. | Plus: interest expense | 24,095 | 30,630 | 28,974 | 23,296 | 13,968 | |||||||||||||||
| 3. | Earnings including interest on deposits | 31,504 | 31,553 | 29,543 | 32,126 | 23,214 | |||||||||||||||
| 4. | Less: interest on deposits | 13,287 | 20,835 | 18,005 | 11,599 | 7,415 | |||||||||||||||
| 5. | Earnings excludng interest on deposits | $ | 18,217 | $ | 10,718 | $ | 11,538 | $ | 20,527 | $ | 15,799 | ||||||||||
| Fixed Charges: | |||||||||||||||||||||
| 6. | Interest expense (Line 2) | $ | 24,095 | $ | 30,630 | $ | 28,974 | $ | 23,296 | $ | 13,968 | ||||||||||
| 7. | Less: interest expense on deposits (Line 4) | 13,287 | 20,835 | 18,005 | 11,599 | 7,415 | |||||||||||||||
| 8. | Excluding interest on deposits | $ | 10,808 | $ | 9,795 | $ | 10,969 | $ | 11,697 | $ | 6,553 | ||||||||||
| Ratio of Earnings to Fixed Charges: | |||||||||||||||||||||
| Including interest on deposits | |||||||||||||||||||||
| (line 3 divided by Line 6) | 1.31 | 1.03 | 1.02 | 1.38 | 1.66 | ||||||||||||||||
| Excluding interest on deposits | �� | ||||||||||||||||||||
| (line 5 divided by Line 8) | 1.69 | 1.09 | 1.05 | 1.75 | 2.41 | ||||||||||||||||