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Litigous | ||
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H.S. sophomore Avg
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New words:
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Removed:
adjusting, advantaged, anticipation, broadcasting, ceased, clerical, correcting, corrective, count, defaulted, Endowment, escrow, expanding, Fitch, formed, Fulcrum, George, growing, hearing, HME, identifying, internally, IRC, marked, matter, media, offsetting, Opal, outlook, Partnership, positive, presence, printing, quantifying, reclassification, recurring, renewable, resolve, resolving, restructure, restructured, sector, SLRCL, spite, Subscription, successor, union, vacation
Filing tables
Filing exhibits
- 10-K Annual report
- 4.3 Certificate of Designations
- 10.6 Restricted Stock Units Agreement -- Employee
- 10.6 Restricted Stock Units Agreement -- Non-employee Director
- 10.6 Employee Restricted Stock Units -- Deferral Election Form
- 10.10 Summary of Horace Mann Educators Corp. Non-employee Director Compensation
- 10.11 Summary or Horace Mann Educators Corp. Named Executive Officer Annualize Salary
- 11 Computation of Net Income Per Share for the Years Ended 12/31/2005, 2004, 2003
- 12 Computation of Ratio of Earnings to Fixed Charges
- 21 Subsidiaries
- 23 Consent of KPMG LLP
- 31.1 Certification
- 31.2 Certification
- 32.1 Certification
- 32.2 Certification
- 99.1 Glossary of Selected Terms
Related press release
HMN similar filings
Filing view
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Exhibit 12
Horace Mann Educators Corporation
Computation of Ratio of Earnings to Fixed Charges
For the Years Ended December 31, 2005, 2004, 2003, 2002 and 2001
(Dollars in millions)
Year Ended December 31, | ||||||||||||||||||||
2005 | 2004 | 2003 | 2002 | 2001 | ||||||||||||||||
Fixed charges: | ||||||||||||||||||||
Interest expense | $ | 8.9 | $ | 6.8 | $ | 6.3 | $ | 8.5 | $ | 9.3 | ||||||||||
Interest credited to policyholders on interest-sensitive contracts | 115.9 | 108.7 | 103.0 | 98.4 | 96.5 | |||||||||||||||
Total fixed charges | $ | 124.8 | $ | 115.5 | $ | 109.3 | $ | 106.9 | $ | 105.8 | ||||||||||
Earnings: | ||||||||||||||||||||
Income before income taxes | $ | 94.0 | $ | 69.7 | $ | 19.2 | $ | 7.7 | $ | 28.3 | ||||||||||
Add: Interest expense | 8.9 | 6.8 | 6.3 | 8.5 | 9.3 | |||||||||||||||
Subtotal – earnings before interest expense | 102.9 | 76.5 | 25.5 | 16.2 | 37.6 | |||||||||||||||
Add: Interest credited to policyholder on interest-sensitive contracts | 115.9 | 108.7 | 103.0 | 98.4 | 96.5 | |||||||||||||||
Earnings before fixed charges | $ | 218.8 | $ | 185.2 | $ | 128.5 | $ | 114.6 | $ | 134.1 | ||||||||||
Ratio of earnings to fixed charges | 1.8 | x | 1.6 | x | 1.2 | x | 1.1 | x | 1.3 | x | ||||||||||
Supplemental information (A): | ||||||||||||||||||||
Ratio of earnings before interest expense to interest expense | 11.6 | x | 11.2 | x | 4.0 | x | 1.9 | x | 4.0 | x | ||||||||||
(A) | Fixed charges and earnings in this calculation do not include interest credited to policyholders on interest-sensitive contracts. This adjusted coverage ratio is not required, but is provided as supplemental information because it is commonly used by individuals who analyze the Company’s results. |