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Content analysis
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New words:
Abbett, absolute, accompanyingManagement, adapt, AFD, ago, AllianceBernstein, alter, arrangement, bear, bearing, broker, categorizing, CEO, CFO, Charley, clear, clearing, Correspondingly, COSO, dealer, delay, detect, detected, detection, devastating, document, documentation, exhausted, explosion, expressed, expressly, Fed, FHCF, FHLMA, FNMA, forward, Frameworkissued, Frank, FSP, Glossary, GNMA, Goldman, Hasenmiller, HMSC, immaterial, inclusion, ineffective, inInternal, inspect, ISO, Ivan, Jeanne, JP, lack, laundering, Lord, maintenance, meaningful, midpoint, misapplied, Modification, MSRB, Nominating, ordinarily, overdraft, PATRIOT, prime, Privacy, proximity, redeployment, reevaluated, remote, repair, reputation, retraining, Royce, Secretary, skilled, staffing, Stephen, superseded, survey, suspense, sustained, temporarily, tender, territory, Treadway, unable, unauthorized, unique, unprecedented, unqualified, unrecorded, USA, validity, variance, verified, voided, windstorm, Writer
Removed:
acceptance, add, adjustable, aggressively, array, auditing, Beneficial, Canceled, Cap, CCC, Commerce, Commonwealth, complexity, contesting, core, CreditWatch, curtailment, deduct, description, dilution, discovered, discovery, discretionary, Donald, eliminating, Enron, extinguishment, Indiana, institutional, investigation, investing, jeopardize, jurisdiction, Kiernan, lapsed, Maine, Marine, Michigan, mid, monitoring, Northridge, notably, notch, Overview, ownership, passage, Paul, Pennsylvania, Percent, planned, predominantly, Premier, pressure, problem, profitable, proportionate, proprietary, prospective, Putnam, Rainier, reached, receivable, recovered, refined, relating, remedy, repay, resolved, revaluation, Servicing, situation, Socially, St, strategic, Submission, Subtotal, technical, Tennessee, unaudited, uncommon, Unrecognized, utility, VIP, Virginia, Vista, Vote, VT, xxx
Filing tables
Filing exhibits
- 10-K Annual report
- 10.11 Summary of Hmec Non-employee Director Compensation
- 10.12 Revised Schedule to Severance Agreements Between Hmec and Certain Officers
- 10.13 Change In Control Agreement Between Hmec, HMSC and Certain Officers
- 10.13 Schedule to Change In Control Agreements
- 10.15 Letter of Employment Between HMSC and Frank D'ambra III
- 11 Statement Regarding Computation of Per Share Earnings
- 12 Statement Regarding Computation of Ratios
- 21 Subsidiaries of Hmec
- 23 Consent of KPMG LLP
- 31.1 CEO Certification Pursuant to Section 302 of the Sarbanes-oxley Act
- 31.2 CFO Certification Pursuant to Section 302 of the Sarbanes-oxley Act
- 32.1 CEO Certification Pursuant to Section 906 of the Sarbanes-oxley Act
- 32.2 CFO Certification Pursuant to Section 906 of the Sarbanes-oxley Act
- 99.1 Glossary of Selected Terms
- 99.2 Updated Numerical Exhibits to the Company's Earnings Release
HMN similar filings
Filing view
External links
Exhibit 12
Horace Mann Educators Corporation
Computation of Ratio of Earnings to Fixed Charges
For the Years Ended December 31, 2004, 2003, 2002, 2001 and 2000
(Dollars in millions)
Year Ended December 31, | ||||||||||||||||||||
2004 | 2003 | 2002 | 2001 | 2000 | ||||||||||||||||
Income before income taxes | $ | 69.7 | $ | 19.2 | $ | 7.7 | $ | 28.3 | $ | 9.7 | ||||||||||
Interest expense | 6.8 | 6.3 | 8.5 | 9.3 | 10.2 | |||||||||||||||
Earnings | $ | 76.5 | $ | 25.5 | $ | 16.2 | $ | 37.6 | $ | 19.9 | ||||||||||
Fixed charges - interest expense | $ | 6.8 | $ | 6.3 | $ | 8.5 | $ | 9.3 | $ | 10.2 | ||||||||||
Ratio of earnings to fixed charges | 11.2 | x | 4.0 | x | 1.9 | x | 4.0 | x | 2.0 | x |