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Exhibit 12
WSFS FINANCIAL CORPORATION
COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED
DIVIDENDS INCLUDING AND EXCLUDING INTEREST ON DEPOSITS
For the three months March 31, | ||||||||
2013 | 2012 | |||||||
Income from continuing operations | $ | 9,740 | $ | 6,444 | ||||
Income tax expense | (5,313 | ) | (3,610 | ) | ||||
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Income from continuing operations before income tax expense | 15,053 | 10,054 | ||||||
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Fixed Charges: | ||||||||
Interest on deposits | 2,019 | 4,015 | ||||||
Interest on borrowings and long-term debt | 1,992 | 2,678 | ||||||
Interest portion of rentals (1) | 722 | 633 | ||||||
Preferred stock dividends (2) | 1,012 | 1,012 | ||||||
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Total fixed charges | 5,745 | 8,338 | ||||||
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Total earnings from continuing operations as defined | $ | 20,798 | $ | 18,392 | ||||
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Ratio of earnings to combined fixed charges and preferred stock dividends excluding interest on deposits | 4.77 | 3.09 | ||||||
Ratio of earnings to combined fixed charges and preferred stock dividends including interest on deposits | 3.44 | 2.08 |
(1) | Represents one-third of rentals, which approximates the portion representing interest. |
(2) | Preferred stock dividends are grossed up to their pretax equivalents. |