TAYLOR CAPITAL GROUP INC - FORM 10-K - EX-12.1 - COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES

file	filename
EX-31.2 - CERTIFICATION OF CHIEF FINANCIAL OFFICER - TAYLOR CAPITAL GROUP INC	dex312.htm
EX-31.1 - CERTIFICATION OF CHIEF EXECUTIVE OFFICER - TAYLOR CAPITAL GROUP INC	dex311.htm
EX-99.1 - CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER AND CHIEF FINANCIAL OFFICER - TAYLOR CAPITAL GROUP INC	dex991.htm
EX-32.1 - CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER AND CHIEF FINANCIAL OFFICER - TAYLOR CAPITAL GROUP INC	dex321.htm
EX-21.1 - LIST OF SUBSIDIARIES OF TAYLOR CAPITAL GROUP, INC. - TAYLOR CAPITAL GROUP INC	dex211.htm
EX-23.1 - CONSENT OF KPMG LLP - TAYLOR CAPITAL GROUP INC	dex231.htm
EX-10.25 - VOLUNTARY REDUCTION OF COMPENSATION LETTER SIGNED BY BRUCE W. TAYLOR - TAYLOR CAPITAL GROUP INC	dex1025.htm
EX-10.26 - VOLUNTARY REDUCTION OF COMPENSATION LETTER SIGNED BY MARK A. HOPPE - TAYLOR CAPITAL GROUP INC	dex1026.htm
EX-10.27 - EXECUTIVE SEVERANCE PLAN, AS AMENDED AND RESTATED - TAYLOR CAPITAL GROUP INC	dex1027.htm
10-K - FORM 10-K - TAYLOR CAPITAL GROUP INC	d10k.htm
EX-99.2 - CERTIFICATION OF CHIEF FINANCIAL OFFICER PURSUANT TO SECTION 111(B)(4) - TAYLOR CAPITAL GROUP INC	dex992.htm

Exhibit 12.1

Computation of Ratio of Earnings to Fixed Charges


	For the Years Ended December 31,
	2009			2008			2007			2006			2005
INCLUDING INTEREST ON DEPOSITS
Earnings
Income (loss) before income taxes	$	(30,716	)	$	(132,740	)	$	(5,009	)	$	48,198		$	51,294
Plus:
Total Fixed Charges (See below)		117,359			117,663			125,005			112,335			71,696
Less:
Preferred stock dividend (1)		(17,666	)		(3,308	)		—			—			—

Total Earnings	$	68,977		$	(18,385	)	$	119,996		$	160,533		$	122,990

Fixed Charges
Total interest expense (2)	$	97,119		$	112,097		$	122,354		$	109,808		$	69,202
Interest included in operating lease rental expense (3)		2,574			2,258			2,651			2,527			2,494
Preferred stock dividend (1)		17,666			3,308			—			—			—

Total Fixed Charges	$	117,359		$	117,663		$	125,005		$	112,335		$	71,696

Ratio of Earnings to Fixed Charges		0.59	x		(0.16	)x		0.96	x		1.43	x		1.72	x

EXCLUDING INTEREST ON DEPOSITS
Earnings
Income (loss) before income taxes	$	(30,716	)	$	(132,740	)	$	(5,009	)	$	48,198		$	51,294
Plus:
Total Fixed Charges excluding interest on deposits (See below)		48,195			29,384			27,975			25,069			19,686
Less:
Preferred stock dividend (1)		(17,666	)		(3,308	)		—			—			—

Total Earnings	$	(187	)	$	(106,664	)	$	22,966		$	73,267		$	70,980

Fixed Charges
Total interest expense (2)	$	97,119		$	112,097		$	122,354		$	109,808		$	69,202
Interest included in operating lease rental expense (3)		2,574			2,258			2,651			2,527			2,494
Preferred stock dividend (1)		17,666			3,308			—			—			—
Less: Interest expense on deposits		(69,164	)		(88,279	)		(97,030	)		(87,266	)		(52,010	)

Total Fixed Charges excluding interest on deposits	$	48,195		$	29,384		$	27,975		$	25,069		$	19,686

Ratio of Earnings to Fixed Charges (excluding interest on deposits)		0.0	x		(3.63	)x		0.82	x		2.92	x		3.61	x

(1)	The preferred stock dividend amount has been grossed up to compute the pre-tax income equivalent assuming an estimated 35% tax rate.

(2)	Interest expense includes cash interest expense on deposits and other debt and amortization of debt issuance costs.

(3)	Calculation of interest included in operating lease rental expense is representative of the interest factor attributable to the lease payment.

TAYLOR CAPITAL GROUP INC - FORM 10-K - EX-12.1 - COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES - March 29, 2010