Attached files
| file | filename |
|---|---|
| EX-32.2 - EX-32.2 - OLD NATIONAL BANCORP /IN/ | d503702dex322.htm |
| EX-32.1 - EX-32.1 - OLD NATIONAL BANCORP /IN/ | d503702dex321.htm |
| EX-31.2 - EX-31.2 - OLD NATIONAL BANCORP /IN/ | d503702dex312.htm |
| EX-31.1 - EX-31.1 - OLD NATIONAL BANCORP /IN/ | d503702dex311.htm |
| EX-23.1 - EX-23.1 - OLD NATIONAL BANCORP /IN/ | d503702dex231.htm |
| EX-21 - EX-21 - OLD NATIONAL BANCORP /IN/ | d503702dex21.htm |
| EX-10.(T) - EX-10.(T) - OLD NATIONAL BANCORP /IN/ | d503702dex10t.htm |
| EX-10.(S) - EX-10.(S) - OLD NATIONAL BANCORP /IN/ | d503702dex10s.htm |
| 10-K - FORM 10-K - OLD NATIONAL BANCORP /IN/ | d503702d10k.htm |
Exhibit 12
OLD NATIONAL BANCORP
STATEMENTS REGARDING COMPUTATION OF RATIOS
| (dollars in thousands) |
2017 | 2016 | 2015 | 2014 | 2013 | |||||||||||||||
| FIXED CHARGES: |
||||||||||||||||||||
| Interest expense on deposits |
$ | 20,356 | $ | 17,283 | $ | 14,168 | $ | 13,326 | $ | 18,124 | ||||||||||
| Interest expense on other borrowings |
37,812 | 27,148 | 18,905 | 10,033 | 6,262 | |||||||||||||||
| Building rent |
15,431 | 25,202 | 29,075 | 28,969 | 28,967 | |||||||||||||||
| Equipment rent |
382 | 151 | 42 | 69 | 101 | |||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|||||||||||
| Total building and equipment rent |
15,813 | 25,353 | 29,117 | 29,038 | 29,068 | |||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|||||||||||
| Rental expense 66.67% |
10,543 | 16,903 | 19,412 | 19,360 | 19,380 | |||||||||||||||
| Imputed interest expense 33.33% |
5,270 | 8,450 | 9,705 | 9,678 | 9,688 | |||||||||||||||
| Interest capitalized |
— | — | — | — | — | |||||||||||||||
| Preferred stock dividends |
— | — | — | — | — | |||||||||||||||
| Fixed charges excluding interest on deposits |
43,082 | 35,598 | 28,610 | 19,711 | 15,950 | |||||||||||||||
| Fixed charges including interest on deposits |
63,438 | 52,881 | 42,778 | 33,037 | 34,074 | |||||||||||||||
| Fixed charges excluding interest on deposits and including preferred stock dividends |
43,082 | 35,598 | 28,610 | 19,711 | 15,950 | |||||||||||||||
| Fixed charges including interest on deposits and including preferred stock dividends |
63,438 | 52,881 | 42,778 | 33,037 | 34,074 | |||||||||||||||
| EARNINGS: |
||||||||||||||||||||
| Income before income taxes |
168,664 | 200,426 | 162,893 | 141,964 | 142,517 | |||||||||||||||
| Plus: fixed charges excluding interest on deposits |
43,082 | 35,598 | 28,610 | 19,711 | 15,950 | |||||||||||||||
| Less: interest capitalized |
— | — | — | — | — | |||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|||||||||||
| 211,746 | 236,024 | 191,503 | 161,675 | 158,467 | ||||||||||||||||
| EARNINGS: |
||||||||||||||||||||
| Income before income taxes |
168,664 | 200,426 | 162,893 | 141,964 | 142,517 | |||||||||||||||
| Plus: fixed charges including interest on deposits |
63,438 | 52,881 | 42,778 | 33,037 | 34,074 | |||||||||||||||
| Less: interest capitalized |
— | — | — | — | — | |||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|||||||||||
| $ | 232,102 | $ | 253,307 | $ | 205,671 | $ | 175,001 | $ | 176,591 | |||||||||||
| CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES: |
||||||||||||||||||||
| Excluding interest on deposits |
4.91 | 6.63 | 6.69 | 8.20 | 9.94 | |||||||||||||||
| Including interest on deposits |
3.66 | 4.79 | 4.81 | 5.30 | 5.18 | |||||||||||||||
| CONSOLIDATED RATIO OF EARNINGS TO COMBINED FIXED CHARGES AND PREFERRED STOCK DIVIDENDS: |
||||||||||||||||||||
| Excluding interest on deposits |
4.91 | 6.63 | 6.69 | 8.20 | 9.94 | |||||||||||||||
| Including interest on deposits |
3.66 | 4.79 | 4.81 | 5.30 | 5.18 | |||||||||||||||