Free signup for more
- Track your favorite companies
- Receive email alerts for new filings
- Personalized dashboard of news and more
- Access all data and search results
Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
H.S. sophomore Bad
|
New words:
abetted, accomplishing, alleged, Allendale, asurvey, Bailey, barbell, BDO, breach, bydividing, checkbook, cleared, complaint, composed, conclusion, connectone, constitute, coupon, creditor, Crestmont, cycle, deed, defend, disadvantage, discountrate, duration, Fidelity, FinancialMarket, harbor, headquartered, interrelated, introducing, irrespective, joint, lieu, LLP, loanswith, Macroeconomic, master, Mercer, nonconsolidated, occurrence, paragraph, parenthetically, passed, plaintiff, possession, qualification, reclaim, reinvestedYear, RETURNAMONG, solicitation, sooner, SorgeAge, StockholdersCenter, substance, surviving, tab, theBoard, unlawful, URGED, utilizedappraisal, vigorously, Volker, wealth, whichexpire
Removed:
Arizona, assigned, California, Cardone, concentrate, covering, decided, Deduction, depleted, developing, feel, Florida, Gangemi, grandfathered, inclusion, injection, internationally, John, led, Nevada, nonviable, occurring, OTC, outsourced, outsourcing, overhead, ParenteBeard, participated, prospective, reaching, Sorge, stricter, structured, subordination, Theiller, uninvested, VI, Virginia, Wein, zone
Filing tables
Filing exhibits
Related press release
CNOB similar filings
Filing view
External links
Exhibit 12.1
Statement of Ratios of Earnings to Fixed Charges
Year ended December 31, | ||||||||||||||||
2013 | 2012 | 2011 | 2010 | 2009 | ||||||||||||
(Dollars in Thousands) | ||||||||||||||||
Earnings: | ||||||||||||||||
1. Income before income taxes | $ | 27,409 | $ | 25,184 | $ | 21,337 | $ | 7,226 | $ | 4,717 | ||||||
2. Plus: interest expense | 11,082 | 11,776 | 12,177 | 14,785 | 22,645 | |||||||||||
3. Earnings including interest on deposits | 38,491 | 36,960 | 33,514 | 22,011 | 27,362 | |||||||||||
4. Less: interest on deposits | 5,219 | 5,408 | 5,520 | 6,006 | 12,308 | |||||||||||
5. Earnings excluding interest on deposits | $ | 33,272 | $ | 31,552 | $ | 27,994 | $ | 16,005 | $ | 15,054 | ||||||
Fixed Charges: | ||||||||||||||||
6. Interest expense (Line 2) | $ | 11,082 | $ | 11,776 | $ | 12,177 | $ | 14,785 | $ | 22,645 | ||||||
7. Less: interest expense on deposits (Line 4) | 5,219 | 5,408 | 5,520 | 6,006 | 12,308 | |||||||||||
8. Excluding interest on deposits | $ | 5,863 | $ | 6,368 | $ | 6,657 | $ | 8,779 | $ | 10,337 | ||||||
Ratio of Earnings to Fixed Charges: | ||||||||||||||||
Including interest on deposits (line 3 divided by Line 6) | 3.47 | 3.14 | 2.75 | 1.49 | 1.21 | |||||||||||
Excluding interest on deposits (line 5 divided by Line 8) | 5.67 | 4.95 | 4.21 | 1.82 | 1.46 |