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Pacific Century Financial Corporation
Exhibit 99 - Statement Regarding Computation of Ratios
Nine Months Ended September 30, 2000 & 1999
<CAPTION>
(in millions of dollars) 2000 1999
<S> <C> <C>
Earnings:
1. Income Before Income Taxes $126.2 $165.3
2. Plus: Fixed Charges Including Interest on Deposits 375.6 337.4
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3. Earnings Including Fixed Charges 501.8 502.7
4. Less: Interest on Deposits 212.4 193.7
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5. Earnings Excluding Interest on Deposits $289.4 $309.0
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Fixed Charges:
6. Fixed Charges Including Interest on Deposits $375.6 $337.4
7. Less: Interest on Deposits 212.4 193.7
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8. Fixed Charges Excluding Interest on Deposits $163.2 $143.7
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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) 1.8 x 2.2 x
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