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Previous: BAY VIEW CAPITAL CORP, 10-Q, EX-10, 2000-08-03 |
Next: BAY VIEW CAPITAL CORP, 10-Q, EX-27, 2000-08-03 |
<PAGE>
EXHIBIT 12
BAY VIEW CAPITAL CORPORATION
COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES
<TABLE>
<CAPTION>
Six Month Ended
6/30/00 6/30/99
-------- --------
<S> <C> <C>
Earnings:
Earnings before income tax expense $ 3,247 $ 27,613
Add:
Interest on advances and other borrowings 66,126 56,600
Interest component of rental expense 1,326 958
-------- --------
Earnings before fixed charges excluding
interest on customer deposits 70,699 85,171
Interest on customer deposits 81,121 67,077
-------- --------
Earnings before fixed charges $151,820 $152,248
======== ========
Fixed Charges:
Interest on advances and other borrowings $ 66,126 $ 56,600
Interest component of rental expense 1,326 958
-------- --------
Fixed charges excluding interest on
customer deposits 67,452 57,558
Interest on customer deposits 81,121 67,077
-------- --------
Total fixed charges $148,573 $124,635
======== ========
Ratio of earnings to fixed charges including interest
on customer deposits 1.02 1.22
Ratio of earnings to fixed charges excluding interest
on customer deposits 1.05 1.48
</TABLE>
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