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New words:
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Removed:
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Exhibit 12
Consolidated Ratio of Earnings to Fixed Charges
Year Ended December 31, | ||||||||||||||||||||
2009 | 2008 | 2007 | 2006 | 2005 | ||||||||||||||||
Excluding interest on deposits | 3.99 | 4.88 | 3.78 | 3.22 | 3.78 | |||||||||||||||
Including interest on deposits | 2.12 | 2.50 | 2.12 | 2.23 | 2.82 |