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New words:
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Exhibit 12.1 | ||||||
Statement of Ratios of Earnings to Fixed Charges | ||||||
Year ended December 31, | ||||||
2009 | 2008 | 2007 | 2006 | 2005 | ||
(Dollars in Thousands) | ||||||
Earnings: | ||||||
1. | Income before income taxes | $ 6,053 | $ 7,409 | $ 923 | $ 569 | $ 8,830 |
2. | Plus: interest expense | 22,645 | 24,095 | 30,630 | 28,974 | 23,296 |
3. | Earnings including interest on deposits | 28,698 | 31,504 | 31,553 | 29,543 | 32,126 |
4. | Less: interest on deposits | 12,308 | 13,287 | 20,835 | 18,005 | 11,599 |
5. | Earnings excludng interest on deposits | $ 16,390 | $ 18,217 | $ 10,718 | $ 11,538 | $ 20,527 |
Fixed Charges: | ||||||
6. | Interest expense (Line 2) | $ 22,645 | $ 24,095 | $ 30,630 | $ 28,974 | $ 23,296 |
7. | Less: interest expense on deposits (Line 4) | 12,308 | 13,287 | 20,835 | 18,005 | 11,599 |
8. | Excluding interest on deposits | $ 10,337 | $ 10,808 | $ 9,795 | $ 10,969 | $ 11,697 |
Ratio of Earnings to Fixed Charges: | ||||||
Including interest on deposits | ||||||
(line 3 divided by Line 6) | 1.27 | 1.31 | 1.03 | 1.02 | 1.38 | |
Excluding interest on deposits | ||||||
(line 5 divided by Line 8) | 1.59 | 1.69 | 1.09 | 1.05 | 1.75 |