Sandy Spring Bancorp 10K 2009 Annual report | SASR Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	H.S. freshman Avg

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Removed: accelerated, acceleration, alternatively, ancillary, announcement, anticipation, APB, arrangement, AST, authorizing, award, awarded, back, beneficial, Bulletin, carryover, challenge, Choice, Compensatory, compound, compression, consulting, copy, correcting, Craig, curtain, custodial, David, denominated, desirable, disapproved, distributed, duly, effectively, eighty, EITF, enable, Energy, estimable, executed, Exhibit, expanding, expiration, FAS, FIN, flat, Force, Gilbert, Goff, graduate, Groom, Hardesty, heavy, heightened, Hollar, Hunter, iii, internet, iron, led, light, locate, LTV, Mark, Marshall, migrate, migration, modified, netted, nondeductible, nonfinancial, noninterest, Nonmonetary, nonperforming, occurring, omitted, Orndorff, Pamela, passed, planned, postretirement, Productive, professional, quantified, quantify, Quantifying, reclassification, reclassified, renewed, Replacement, reprice, repricing, restated, restatement, retroactively, reversing, revised, Rippeon, Robert, Ruppert, SAB, school, Schumann, securitized, seeking, sophistication, stratifying, structured, Susan, tabular, targeted, Task, tenet, thereunto, TowneBank, tranche, transition, transitional, trend, unchanged, undergraduate, undersigned, understated, understatement, variance, variation

Sandy Spring Bancorp, Inc.

Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividends


	Year Ended December 31,
	2009			2008		2007		2006		2005
Interest expense on deposits		34,921			42,816		59,916		39,334		21,482
All other interest expense		18,475			19,534		18,128		20,867		13,860
Dividends on preferred stock		4,155			289
Total fixed charges		57,551			62,639		78,044		60,201		35,342

Income (loss) before taxes		(30,852	)		19,421		45,233		45,760		45,293
Add: fixed charges		57,551			62,639		78,044		60,201		35,342

Income before taxes and fixed charges		26,699			82,060		123,277		105,961		80,635

Ratio of Earnings to Fixed
Charges:

Excluding Interest on Deposits		-0.36			1.98		3.50		3.19		4.27

Including Interest on Deposits		0.46			1.31		1.58		1.76		2.28

Sandy Spring Bancorp (SASR) 10-K2009 FY Annual report

Content analysis