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Exhibit 12. Consolidated Ratio of Earnings to Fixed Charges
Year Ended December 31, | ||||||||||||||||||||
2012 | 2011 | 2010 | 2009 | 2008 | ||||||||||||||||
Excluding interest on deposits | 24.09 | (1.23 | ) | 1.56 | 3.99 | 4.88 | ||||||||||||||
Including interest on deposits | 6.84 | 0.38 | 1.20 | 2.12 | 2.50 |