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Previous: BAY VIEW CAPITAL CORP, 10-Q, EX-10.2, 2000-11-14 |
Next: BAY VIEW CAPITAL CORP, 10-Q, EX-27, 2000-11-14 |
<PAGE>
EXHIBIT 12
BAY VIEW CAPITAL CORPORATION
COMPUTATION OF RATIOS OF EARNINGS (LOSS) TO FIXED CHARGES
<TABLE>
<CAPTION>
Nine Months Ended
9/30/00 9/30/99
------- -------
<S> <C> <C>
Earnings (Loss):
Earnings (loss) before income tax expense (249,368) 44,181
Add:
Interest on advances and other borrowings 97,336 85,457
Interest component of rental expense 1,943 1,418
---------------------------
Earnings loss before fixed charges excluding
interest on customer deposits (150,089) 131,056
Interest on customer deposits 128,868 103,061
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Earnings loss before fixed charges (21,221) 234,117
===========================
Fixed Charges:
Interest on advances and other borrowings 97,336 85,457
Interest component of rental expense 1,943 1,418
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Fixed charges excluding interest on
customer deposits 99,279 86,875
Interest on customer deposits 128,868 103,061
---------------------------
Total fixed charges 228,147 189,936
===========================
Ratio of earnings (loss) to fixed charges including interest
on customer deposits (0.09) 1.23
Ratio of earnings (loss) to fixed charges excluding interest
on customer deposits (1.51) 1.51
</TABLE>
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