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Filing tables
Filing exhibits
- 10-K Annual report
- 12.0 Statement Re: Ratio of Earnings to Fixed Charges
- 23.0 Consent of KPMG LLP, Dated March 2, 2009
- 31.1 Certification of Chief Executive Officer
- 31.2 Certification of Chief Financial Officer
- 32.0 Certifications of the Chief Executive Officer and Chief Financial Officer
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EXHIBIT 12.0
STATEMENT RE: RATIO OF EARNINGS TO FIXED CHARGES
Years Ended December 31, | ||||||||||||
(dollars in thousands) | 2009 | 2008 | 2007 | |||||||||
Including Interest Paid on Deposits: | ||||||||||||
Earnings before income taxes | $ | 593,149 | $ | 53,794 | $ | 402,099 | ||||||
Combined fixed charges: | ||||||||||||
Interest expense on deposits | 212,815 | 348,393 | 425,824 | |||||||||
Interest expense on borrowed funds | 516,472 | 581,241 | 524,391 | |||||||||
Appropriate portion (1/3) of rent expenses | 9,369 | 9,250 | 8,315 | |||||||||
Total fixed charges | $ | 738,656 | $ | 938,884 | $ | 958,530 | ||||||
Earnings before income taxes and fixed charges | $ | 1,331,805 | $ | 992,678 | $ | 1,360,629 | ||||||
Ratio of earnings to fixed charges | 1.80 | x | 1.06 | x | 1.42 | x | ||||||
Excluding Interest Paid on Deposits: | ||||||||||||
Earnings before income taxes | $ | 593,149 | $ | 53,794 | $ | 402,099 | ||||||
Combined fixed charges: | ||||||||||||
Interest expense on borrowed funds | 516,472 | 581,241 | 524,391 | |||||||||
Appropriate portion (1/3) of rent expenses | 9,369 | 9,250 | 8,315 | |||||||||
Total fixed charges | $ | 525,841 | $ | 590,491 | $ | 532,706 | ||||||
Earnings before income taxes and fixed charges | $ | 1,118,990 | $ | 644,285 | $ | 934,805 | ||||||
Ratio of earnings to fixed charges | 2.13 | x | 1.09 | x | 1.75 | x | ||||||
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