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Exhibit 12.1
CASH AMERICA INTERNATIONAL, INC.
RATIO OF EARNINGS TO FIXED CHARGES
($ in thousands)
For the years ended December 31, | |||||||||||||||
Earnings: | 2014 | 2013 | 2012 | 2011 | 2010 | ||||||||||
(Loss) income from continuing operations before income taxes | $ | (8,346 | ) | $ | 43,985 | $ | 81,370 | $ | 141,166 | $ | 131,247 | ||||
Equity in (income) loss of unconsolidated subsidiary | - | 136 | 295 | 104 | 136 | ||||||||||
Fixed charges | 50,288 | 61,876 | 50,634 | 46,320 | 41,395 | ||||||||||
Amortization of capitalized interest | 396 | 396 | 396 | 198 | - | ||||||||||
Less: Capitalized interest | - | - | - | (558 | ) | (730 | ) | ||||||||
Total earnings | $ | 42,338 | $ | 106,393 | $ | 132,695 | $ | 187,230 | $ | 172,048 | |||||
Fixed charges: | |||||||||||||||
Interest expense | $ | 26,520 | $ | 36,319 | $ | 29,134 | $ | 25,528 | $ | 22,345 | |||||
Amortization of debt discount and issuance costs | 3,173 | 6,206 | 3,811 | 3,566 | 3,340 | ||||||||||
Portion of rent expense representative of interest | 20,595 | 19,351 | 17,689 | 16,668 | 14,980 | ||||||||||
Capitalized interest | - | - | - | 558 | 730 | ||||||||||
Total fixed charges | $ | 50,288 | $ | 61,876 | $ | 50,634 | $ | 46,320 | $ | 41,395 | |||||
Ratio of earnings to fixed charges (1) | 0.8 x | 1.7 x | 2.6 x | 4.0 x | 4.2 x |
(1) For purposes of computing these ratios, “earnings” represent income from continuing operations before noncontrolling interest and income taxes plus fixed charges and amortization of capitalized interest, less capitalized interest. “Fixed charges” consist of interest expense, including capitalized interest, amortization of debt discount and issuance costs and one-third (the portion deemed representative of the interest factor) of rental expense on operating leases. Fixed charges also include interest expense related to uncertain tax positions.