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Pacific Century Financial Corporation
Exhibit 99 - Statement Regarding Computation of Ratios
Six Months Ended June 30, 2000 & 1999
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(in millions of dollars) 2000 1999
<S> <C> <C>
Earnings:
1. Income Before Income Taxes $70.7 $119.5
2. Plus: Fixed Charges Including Interest on Deposits 242.0 226.4
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3. Earnings Including Fixed Charges 312.7 345.9
4. Less: Interest on Deposits 139.0 129.8
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5. Earnings Excluding Interest on Deposits $173.7 $216.1
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Fixed Charges:
6. Fixed Charges Including Interest on Deposits $242.0 $226.4
7. Less: Interest on Deposits 139.0 129.8
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8. Fixed Charges Excluding Interest on Deposits $103.0 $96.6
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Ratio of Earnings to Fixed Charges:
Including Interest on Deposits (Line 3 divided by Line 6) 1.3 x 1.5 x
Excluding Interest on Deposits (Line 5 divided by Line 8) 1.7 x 2.2 x
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