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. freshman Avg
|
|
New words:
AA, accessible, acknowledging, annuity, annum, AU, bound, caption, claim, clarify, clawback, consent, conversion, dealer, dealt, deeper, difficulty, Discover, EESA, entirety, escalation, exert, exerted, exit, expeditiously, expertise, extraordinary, faster, golden, greatly, hierarchy, Hill, hired, identical, illiquidity, immune, importantly, inaccurate, inactive, infusion, introduction, issuable, Jeffrey, knowledge, Lane, Lastly, lead, leading, legislation, Letter, licensed, lowest, Maiden, maximize, metric, modification, motivate, motivating, mounted, Multifamily, noncash, nonforfeitable, nongovernmental, nonrecurring, parachute, parity, pertinent, phase, provincial, ranking, rapidly, recessionary, recover, Relief, sacrifice, sector, sought, sovereign, Stellar, stimulate, stringent, stronger, successful, survive, TARP, technique, Thornton, today, Tomorrow, Transferor, transparency, Troubled, turmoil, unable, unadjusted, unilaterally, unobservable, unpaid, unparalleled, unrestricted, voluntarily, waived, warrant, warranted, Welch, William, worsening, York
Removed:
Airy, annuitized, Blvd, Center, check, Commissioner, Comptroller, correction, Currency, depositor, divided, Drew, error, excluded, generation, imminent, McGladrey, MD, Mt, opening, principle, product, Pullen, Reichelt, Ridgeville, Sara, Shopping, specialty, Stabler, steady, stream, trailer, Wolfe
Filing tables
Filing exhibits
SASR similar filings
Filing view
External links
Exhibit 12
Sandy Spring Bancorp, Inc.
Computation of Consolidated Ratio of Earnings to
Fixed Charges and Preferred Stock Dividends
(Dollars in thousands)
| Year Ended December 31, | ||||||||||||||||||||
| 2008 | 2007 | 2006 | 2005 | 2004 | ||||||||||||||||
| Interest expense on deposits | $ | 42,816 | $ | 59,916 | $ | 39,334 | $ | 21,482 | $ | 13,059 | ||||||||||
| All other interest expense | 19,534 | 18,128 | 20,867 | 13,860 | 22,957 | |||||||||||||||
| Total fixed charges | $ | 62,639 | $ | 78,044 | $ | 60,201 | $ | 35,342 | $ | 36,016 | ||||||||||
| Income before taxes | 19,421 | 45,233 | 45,760 | 45,293 | 12,688 | |||||||||||||||
| Add: fixed charges | 62,639 | 78,044 | 60,201 | 35,342 | 36,016 | |||||||||||||||
| Income before taxes and fixed charges | $ | 82,060 | $ | 123,277 | $ | 105,961 | $ | 80,635 | $ | 48,704 | ||||||||||
| Ratio of earnings to fixed charges: | ||||||||||||||||||||
| Excluding interest on deposits | 1.98 | x | 3.50 | x | 3.19 | x | 4.27 | x | 1.55 | x | ||||||||||
| Including interest on deposits | 1.31 | x | 1.58 | x | 1.76 | x | 2.28 | x | 1.35 | x | ||||||||||