CVB FINANCIAL CORP - FORM 10-K - EX-12 - March 3, 2010

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10-K - FORM 10-K - CVB FINANCIAL CORPv55365e10vk.htm
EX-21 - EX-21 - CVB FINANCIAL CORPv55365exv21.htm
EX-23 - EX-23 - CVB FINANCIAL CORPv55365exv23.htm
EX-32.1 - EX-32.1 - CVB FINANCIAL CORPv55365exv32w1.htm
EX-99.2 - EX-99.2 - CVB FINANCIAL CORPv55365exv99w2.htm
EX-10.7 - EX-10.7 - CVB FINANCIAL CORPv55365exv10w7.htm
EX-31.2 - EX-31.2 - CVB FINANCIAL CORPv55365exv31w2.htm
EX-31.1 - EX-31.1 - CVB FINANCIAL CORPv55365exv31w1.htm
EX-99.1 - EX-99.1 - CVB FINANCIAL CORPv55365exv99w1.htm
EX-32.2 - EX-32.2 - CVB FINANCIAL CORPv55365exv32w2.htm
EX-10.21(A) - EX-10.21(A) - CVB FINANCIAL CORPv55365exv10w21xay.htm
EX-10.21(B) - EX-10.21(B) - CVB FINANCIAL CORPv55365exv10w21xby.htm
Exhibit 12
CVB Financial Corp.
Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
                                         
    For the Year ended December 31,  
    2009     2008     2007     2006     2005  
Earnings excluding interest on deposits (1):
                                        
Earnings Before Taxes
   $ 89,249     $ 85,748     $ 83,063     $ 103,061     $ 106,900  
Fixed Charges
     65,735       105,129       112,669       81,841       50,007  
     
 
   $ 154,984     $ 190,877     $ 195,732     $ 184,902     $ 156,907  
     
 
                                        
Preferred Dividends (2):
   $ 5,827     $ 774     $ —     $ —     $ —  
 
                                        
Fixed charges (1):
                                        
Interest on borrowings
   $ 63,539     $ 103,038     $ 110,838     $ 80,284     $ 48,528  
Amortization of debt expense
     120       120       120       120       120  
Interest portion of rental expense
     2,076       1,971       1,711       1,437       1,359  
     
 
   $ 65,735     $ 105,129     $ 112,669     $ 81,841     $ 50,007  
     
 
                                        
     
Ratio of earnings to fixed charges
     2.36       1.82       1.74       2.26       3.14  
     
 
                                        
     
Ratio of earnings to fixed charges and preferred dividends
     2.27       1.81       1.74       2.26       3.14  
     
 
                                        
Earnings including interest on deposits (1):
                                        
Earnings Before Taxes
     89,249       85,748       83,063       103,061       106,900  
Fixed Charges
     90,691       140,930       181,966       149,021       78,915  
     
 
     179,940       226,678       265,029       252,082       185,815  
     
 
                                        
Preferred Dividends (2):
   $ 5,827     $ 774     $ —     $ —     $ —  
 
                                        
Fixed charges (1):
                                        
Interest on deposits
     24,956       35,801       69,297       67,180       28,908  
Interest on borrowings
     63,539       103,038       110,838       80,284       48,528  
Amortization of debt expense
     120       120       120       120       120  
Interest portion of rental expense
     2,076       1,971       1,711       1,437       1,359  
     
 
     90,691       140,930       181,966       149,021       78,915  
     
 
                                        
     
Ratio of earnings to fixed charges
     1.98       1.61       1.46       1.69       2.35  
     
 
                                        
     
Ratio of earnings to fixed charges and preferred dividends
     1.92       1.60       1.46       1.69       2.35  
     

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