Exhibit 12
CVB Financial Corp.
Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividends

		For the Year ended December 31,
		2008				2007				2006				2005				2004
Earnings excluding interest on deposits (1):
Earnings Before Taxes		$	85,748			$	83,063			$	103,061			$	106,900			$	88,925
Fixed Charges			105,129				112,669				81,841				50,007				32,302
		$	190,877			$	195,732			$	184,902			$	156,907			$	121,227
Preferred Dividends (2):		$	774			$	—			$	—			$	—			$	—
Fixed charges (1):
Interest on borrowings		$	103,038			$	110,838			$	80,284			$	48,528			$	31,009
Amortization of debt expense			120				120				120				120				120
Interest portion of rental expense			1,971				1,711				1,437				1,359				1,173
		$	105,129			$	112,669			$	81,841			$	50,007			$	32,302
Ratio of earnings to fixed charges			1.82				1.74				2.26				3.14				3.75
Ratio of earnings to fixed charges and preferred dividends			1.81				1.74				2.26				3.14				3.75
Earnings including interest on deposits (1):
Earnings Before Taxes			85,748				83,063				103,061				106,900				88,925
Fixed Charges			140,930				181,966				149,021				78,915				47,810
			226,678				265,029				252,082				185,815				136,735
Preferred Dividends (2):		$	774			$	—			$	—			$	—			$	—
Fixed charges (1):
Interest on deposits			35,801				69,297				67,180				28,908				15,508
Interest on borrowings			103,038				110,838				80,284				48,528				31,009
Amortization of debt expense			120				120				120				120				120
Interest portion of rental expense			1,971				1,711				1,437				1,359				1,173
			140,930				181,966				149,021				78,915				47,810
Ratio of earnings to fixed charges			1.61				1.46				1.69				2.35				2.86
Ratio of earnings to fixed charges and preferred dividends			1.60				1.46				1.69				2.35				2.86

(1)		As defined in Item 503(d) of Regulation S-K.
(2)		The prefered dividends were increased to amounts representing the pretax earnings that would be required to cover such dividend requirements.