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EXHIBIT 12 TO FORM 10-K
UNITED MISSOURI BANCSHARES, INC.
COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES
YEAR ENDED DECEMBER 31,
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1993 1992 1991 1990 1989
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(DOLLARS IN THOUSANDS)
Income before income taxes and change in
accounting principle.................... $ 61,249 $ 55,115 $ 53,395 $ 48,336 $ 48,010
Add
Portion of rents representative of the
interest factor...................... 977 807 715 689 635
Interest on indebtedness other than
deposits............................. 20,591 20,763 29,540 28,636 25,531
Amortization of debt expense............ 51 -- -- -- --
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Income as adjusted excluding interest on
deposits................................ $ 82,868 $ 76,685 $ 83,650 $ 77,661 $ 74,176
Add interest on deposits.................. 99,127 103,023 142,137 168,171 159,142
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Income as adjusted including interest on
deposits................................ $181,995 $179,708 $225,787 $245,832 $233,318
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Fixed charges:
Interest on indebtedness other than
deposits............................. $ 20,591 $ 20,763 $ 29,540 $ 28,636 $ 25,531
Portion of rents representative of the
interest factor...................... 977 807 715 689 635
Amortization of debt expense............ 51 -- -- -- --
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Fixed charges excluding interest on
deposits................................ $ 21,619 $ 21,570 $ 30,255 $ 29,325 $ 26,166
Interest on deposits...................... 99,127 103,023 142,137 168,171 159,142
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Fixed charges including interest on
deposits................................ $120,746 $124,593 $172,392 $197,496 $185,308
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Ratio of earnings to fixed charges
Excluding interest on deposits.......... 3.83 3.56 2.76 2.65 2.83
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Including interest on deposits.......... 1.51 1.44 1.31 1.24 1.26
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