2010

2009

2008

2007

2006

Ratio of Earnings to Final Charges: 

Excluding Interest on Deposits

Pre-tax income

$

3,521

$

4,847

$

(2,111

)

$

2

$

65

Preferred Stock dividend

—

(1,248

)

(575

)

—

—

Pretax income available to common shareholders

3,521

3,599

(2,686

)

2

65

Fixed Charges

467

1,984

1,969

2,216

1,290

Earnings

$

3,988

$

5,583

$

(717

)

$

2,218

$

1,355

Other Interest expense

467

736

1,394

2,216

1,290

Preferred Stock dividend

—

1,248

575

—

—

Fixed Charges

$

467

$

1,984

$

1,969

$

2,216

$

1,290

Earnings to Fixed Charges

8.54

2.81

(a)

1.00

1.05

(a)

$2.686 million deficiency

Including Interest on Deposits

Pre-tax income

$

3,521

$

4,847

$

(2,111

)

$

2

$

65

Preferred Stock dividend

—

(1,248

)

(575

)

—

—

Pretax income available to common shareholders

3,521

3,599

(2,686

)

2

65

Fixed Charges

7,745

8,494

10,159

9,474

6,233

Earnings

$

11,266

$

12,093

$

7,473

$

9,476

$

6,298

Interest on Deposits

7,278

6,510

8,190

7,258

4,943

Other Interest expense

467

736

1,394

2,216

1,290

Preferred Stock dividend

—

1,248

575

—

—

Fixed Charges

$

7,745

$

8,494

$

10,159

$

9,474

$

6,233

Earnings to Fixed Charges

1.45

1.42

(b)

1.00

1.01

(b)

$2.686 million deficient

Ratio of earnings to combined fixed charges and preferred stock dividend requirements: 

Excluding Interest on Deposits

Pre-tax income

$

3,521

$

4,847

$

(2,111

)

$

2

$

65

Pretax income available to common shareholders

3,521

4,847

(2,111

)

2

65

Fixed Charges

467

736

1,394

2,216

1,290

Earnings

$

3,988

$

5,583

$

(717

)

$

2,218

$

1,355

Other Interest expense

467

736

1,394

2,216

1,290

Fixed Charges

$

467

$

736

$

1,394

$

2,216

$

1,290

Earnings to Fixed Charges

8.54

7.59

(c)

1.00

1.05

(c)

$2.111 million deficiency

Including Interest on Deposits

Pre-tax income

$

3,521

$

4,847

$

(2,111

)

$

2

$

65

Preferred Stock dividend

—

—

—

—

—

Pretax income available to common shareholders

3,521

4,847

(2,111

)

2

65

Fixed Charges

7,745

7,246

9,584

9,474

6,233

Earnings

$

11,266

$

12,093

$

7,473

$

9,476

$

6,298

Interest on Deposits

7,278

6,510

8,190

7,258

4,943

Other Interest expense

467

736

1,394

2,216

1,290

Preferred Stock dividend

—

—

—

—

—

Fixed Charges

$

7,745

$

7,246

$

9,584

$

9,474

$

6,233

Earnings to Fixed Charges

1.45

1.67

(d)

1.00

1.01

(d)

$2.111 million deficient