EX-12 2 d318707dex12.htm EX-12

Exhibit 12

STATEMENT REGARDING COMPUTATION OF RATIOS

Cash Dividends Per Common Share |  | = |  | Dividends Declared to Common Shareholders/Average Common Shares Outstanding
Book Value Per Common Share |  | = |  | Total Shareholders’ Equity/As-Converted Common Shares Outstanding
Return on Average Assets |  | = |  | Net Income/Average Assets
Return on Average Common Equity |  | = |  | Net Income/(Average Shareholders’ Equity – Preferred Liquidation Preference)
Average Equity to Average Assets |  | = |  | Average Shareholders’ Equity/Average Assets
Net Interest Margin, GAAP |  | = |  | Net Interest Income/Average Earning Assets
Net Interest Margin, FTE |  | = |  | Tax Equivalent Net Interest Income/Average Earning Assets
Efficiency Ratio, GAAP |  | = |  | Noninterest Expense/(Net Interest Income + Noninterest Income)
Efficiency Ratio, Non-GAAP |  | = |  | Adjusted Noninterest Expense/(Tax Equivalent Net Interest Income + Adjusted Noninterest Income)
Dividend Payout |  | = |  | Dividends Declared to Common Shareholders/Net Income Available to Common Shareholders
Effective Tax Rate |  | = |  | Income Tax Expense/Income Before Income Taxes
Average Loan to Deposit Ratio |  | = |  | Average Loans/(Average Interest-Bearing Deposits + Average Noninterest-Bearing Demand Deposits)
Nonperforming Assets to Total Assets |  | = |  | (Nonaccrual Loans + Loans Past Due 90 Days or More + Unseasoned TDRs + OREO)/Total Assets
Nonperforming Loans to Total Loans |  | = |  | (Nonaccrual Loans + Loans Past Due 90 Days or More + Unseasoned TDRs + OREO)/Loans Held for Investment, Net of Unearned Income
Allowance for Loan Losses to Nonperforming Loans |  | = |  | Allowance for Loan Losses/(Nonaccrual Loans + Loans Past Due 90 Days or More + Unseasoned TDRs + OREO)
Allowance for Loan Losses to Total Loans |  | = |  | Allowance for Loan Losses/Loans Held for Investment, Net of Unearned Income
Net Charge-offs to Average Total Loans |  | = |  | (Charge-offs - Recoveries)/Average Loans
Common Equity Tier 1 Ratio |  | = |  | (Shareholders’ Equity - Intangible Assets - Net Unrealized Gains (Losses) on Securities Available for Sale – Amounts Recorded in AOCI Attributed to Defined Benefit Plans)/Risk-Weighted Assets
Tier 1 Risk-Based Capital Ratio |  | = |  | (Common Equity Tier 1 Capital + Additional Tier 1 Capital)/ Risk-Weighted Assets
Total Risk-Based Capital Ratio |  | = |  | Tier 1 Capital + Allowance for Loan Losses/ Risk-Weighted Assets
Tier 1 Leverage Ratio |  | = |  | Tier 1 Capital/Average Assets