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EXHIBIT 12
WesBanco, Inc.
Computation of Ratio of Earnings to Fixed Charges
(Dollar amounts in thousands)
December 31,
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1994 1993 1992 1991 1990
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Net income $15,697 $17,842 $16,471* $14,403 $13,741
Provision for income taxes 5,780 6,587 6,523 5,239 4,487
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Earnings before provision
for income taxes 21,477 24,429 22,994 19,642 18,228
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Preferred stock dividend
requirements 183 184 184 184 18
Ratio of pretax income to
net income 1.37 1.37 1.40 1.36 1.33
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Preferred dividend factor $ 250 $ 252 $ 257 $ 251 $ 24
Ratio of earnings to preferred
dividends 85.8 97.0 89.5 78.3 763.4
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* Does not include the change in accounting for postretirement benefits-net
of tax effect of ($592,000).
WesBanco has no fixed charges as defined by Regulation S-K Item 503-
Summary; Risk Factors; Ratio of Earnings to Fixed Charges.
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