Attached files
| file | filename |
|---|---|
| EX-32 - PERSONAL CERTIFICATION - ConnectOne Bancorp, Inc. | connect3375901_ex32.htm |
| EX-31.2 - PERSONAL CERTIFICATION OF THE CHIEF FINANCIAL OFFICER - ConnectOne Bancorp, Inc. | connect3375901_ex312.htm |
| EX-31.1 - PERSONAL CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER - ConnectOne Bancorp, Inc. | connect3375901_ex311.htm |
| EX-23.1 - CONSENT OF CROWE HORWATH LLP - ConnectOne Bancorp, Inc. | connect3375901_ex231.htm |
| EX-21.1 - SUBSIDIARIES OF THE REGISTRANT - ConnectOne Bancorp, Inc. | connect3375901_ex211.htm |
| 10-K - ANNUAL REPORT - ConnectOne Bancorp, Inc. | connect3375901-10k.htm |
Exhibit 12.1
Statement of Ratios of Earnings to Fixed Charges
| Year ended December 31, | ||||||||||||||||||||
| 2017 | 2016 | 2015 | 2014 | 2013 | ||||||||||||||||
| (Dollars in Thousands) | ||||||||||||||||||||
| Earnings: | ||||||||||||||||||||
| 1. Income after income taxes | $ | 43,220 | $ | 31,082 | $ | 41,311 | $ | 18,565 | $ | 19,925 | ||||||||||
| 2. Plus: interest expense | 36,255 | 31,096 | 23,814 | 14,808 | 11,082 | |||||||||||||||
| 3. Earnings including interest on deposits | 79,475 | 62,178 | 65,125 | 33,373 | 31,007 | |||||||||||||||
| 4. Less: interest on deposits | 23,669 | 18,667 | 13,756 | 8,260 | 5,219 | |||||||||||||||
| 5. Earnings excluding interest on deposits | $ | 55,806 | $ | 43,511 | $ | 51,369 | $ | 25,113 | $ | 25,788 | ||||||||||
| Fixed Charges: | ||||||||||||||||||||
| 6. Interest expense (Line 2) | $ | 36,255 | $ | 31,096 | $ | 23,814 | $ | 14,808 | $ | 11,082 | ||||||||||
| 7. Less: interest expense on deposits (Line 4) | 23,669 | 18,667 | 13,756 | 8,260 | 5,219 | |||||||||||||||
| 8. Excluding interest on deposits | $ | 12,586 | $ | 12,429 | $ | 10,058 | $ | 6,548 | $ | 5,863 | ||||||||||
| Ratio of Earnings to Fixed Charges: | ||||||||||||||||||||
| Including interest on deposits (line 3 divided by Line 6) | 2.19 | 2.00 | 2.73 | 2.25 | 2.80 | |||||||||||||||
| Excluding interest on deposits (line 5 divided by Line 8) | 4.43 | 3.50 | 5.11 | 3.84 | 4.40 | |||||||||||||||