EAGLE BANCORP INC - FORM 10-K - EX-12 - February 29, 2016

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Exhibit 12

RATIO OF EARNINGS TO FIXED CHARGES
AND PREFERRED STOCK DIVIDEND REQUIREMENT

 
   Years Ended December 31,  
(dollars in thousands)
   2015   2014   2013   2012   2011  

Earnings:

                                

Income before income taxes

   $ 135,216   $ 86,216   $ 75,325   $ 56,172   $ 38,289  

Fixed charges, excluding preferred stock dividend requirement

     19,238     13,095     12,504     14,414     20,077  
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total earnings including fixed charges(a)

   $ 154,454   $ 99,311   $ 87,829   $ 70,586   $ 58,366  
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Fixed charges:

                                

Interest on deposits

   $ 14,343   $ 9,638   $ 10,614   $ 12,057   $ 17,248  

Interest on customer repurchase agreements and federal funds purchased

     132     143     254     325     685  

Interest on short-term borrowings

     86     31     —     3     —  

Interest on long-term borrowings deposits

     4,677     3,283     1,636     2,029     2,144  

Preferred stock dividend requirements (pre-tax)

     965     976     907     901     2,356  
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total fixed charges(b)

   $ 20,203   $ 14,071   $ 13,411   $ 15,315   $ 22,433  
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Ratio of earnings to fixed charges and preferred stock dividend requirement (pre-tax)(a/b)

     7.65     7.06     6.55     4.61     2.60  

Earnings, excluding interest on deposits:

    
 		    
 		    
 		    
 		    
 		  

Total earnings including fixed charges

   $ 154,454   $ 99,311   $ 87,829   $ 70,586   $ 58,366  

Less interest on deposits

     14,343     9,638     10,614     12,057     17,248  
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total earnings excluding interest on deposits(c)

   $ 140,111   $ 89,673   $ 77,215   $ 58,529   $ 41,118  
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Fixed charges, excluding interest on deposits:

                                

Total fixed charges

   $ 20,203   $ 14,071   $ 13,411   $ 15,315   $ 22,433  

Less interest on deposits

     14,343     9,638     10,614     12,057     17,248  
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total fixed charges, excluding interest on deposits(d)

   $ 5,860   $ 4,433   $ 2,797   $ 3,258   $ 5,185  
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Ratio of earnings to fixed charges and preferred stock dividend requirement (pre-tax), excluding interest on deposits(c/d)

     23.91     20.23     27.61     17.96     7.93  



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