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Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
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H.S. freshman Bad
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New words:
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Removed:
Attestation, attorney, attrition, Beacon, close, compel, consummation, contest, danger, decreasing, dismissal, distributed, exercisable, fifty, FIRREA, flexibility, gained, grew, lagged, legacy, liable, match, mutually, Oak, outset, predictable, preserving, Red, redesigned, redesigning, retroactively, shift, simplified, spurred, staffing, stopping
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Exhibit 12.1
Year ended December 31, | ||||||||||||||||||||
2010 | 2009 | 2008 | 2007 | 2006 | ||||||||||||||||
(Dollars in Thousands) | ||||||||||||||||||||
Earnings: | ||||||||||||||||||||
Income before income taxes | $ | 7,226 | $ | 4,717 | $ | 7,409 | $ | 923 | $ | 569 | ||||||||||
Plus: interest expense | 14,785 | 22,645 | 24,095 | 30,630 | 28,974 | |||||||||||||||
Earnings including interest on deposits | 22,011 | 27,362 | 31,504 | 31,553 | 29,543 | |||||||||||||||
Less: interest on deposits | 6,006 | 12,308 | 13,287 | 20,835 | 18,005 | |||||||||||||||
Earnings excluding interest on deposits | $ | 16,005 | $ | 15,054 | $ | 18,217 | $ | 10,718 | $ | 11,538 | ||||||||||
Fixed Charges: | ||||||||||||||||||||
Interest expense (Line 2) | $ | 14,785 | $ | 22,645 | $ | 24,095 | $ | 30,630 | $ | 28,974 | ||||||||||
Less: interest expense on deposits (Line 4) | 6,006 | 12,308 | 13,287 | 20,835 | 18,005 | |||||||||||||||
Excluding interest on deposits | $ | 8,779 | $ | 10,337 | $ | 10,808 | $ | 9,795 | $ | 10,969 | ||||||||||
Ratio of Earnings to Fixed Charges: | ||||||||||||||||||||
Including interest on deposits | ||||||||||||||||||||
(line 3 divided by Line 6) | 1.49 | 1.21 | 1.31 | 1.03 | 1.02 | |||||||||||||||
Excluding interest on deposits | ||||||||||||||||||||
(line 5 divided by Line 8) | 1.82 | 1.46 | 1.69 | 1.09 | 1.05 |