Attached files
| file | filename |
|---|---|
| 10-K - ConnectOne Bancorp, Inc. | v214431_10k.htm |
| EX-99.2 - ConnectOne Bancorp, Inc. | v214431_ex99-2.htm |
| EX-23.1 - ConnectOne Bancorp, Inc. | v214431_ex23-1.htm |
| EX-32.2 - ConnectOne Bancorp, Inc. | v214431_ex32-2.htm |
| EX-31.1 - ConnectOne Bancorp, Inc. | v214431_ex31-1.htm |
| EX-99.1 - ConnectOne Bancorp, Inc. | v214431_ex99-1.htm |
| EX-31.2 - ConnectOne Bancorp, Inc. | v214431_ex31-2.htm |
| EX-32.1 - ConnectOne Bancorp, Inc. | v214431_ex32-1.htm |
| EX-21.1 - ConnectOne Bancorp, Inc. | v214431_ex21-1.htm |
Exhibit 12.1
| Year ended December 31, | ||||||||||||||||||||
|
2010
|
2009
|
2008
|
2007
|
2006
|
||||||||||||||||
| (Dollars in Thousands) | ||||||||||||||||||||
|
Earnings:
|
||||||||||||||||||||
|
Income before income taxes
|
$ | 7,226 | $ | 4,717 | $ | 7,409 | $ | 923 | $ | 569 | ||||||||||
|
Plus: interest expense
|
14,785 | 22,645 | 24,095 | 30,630 | 28,974 | |||||||||||||||
|
Earnings including interest on deposits
|
22,011 | 27,362 | 31,504 | 31,553 | 29,543 | |||||||||||||||
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Less: interest on deposits
|
6,006 | 12,308 | 13,287 | 20,835 | 18,005 | |||||||||||||||
|
Earnings excluding interest on deposits
|
$ | 16,005 | $ | 15,054 | $ | 18,217 | $ | 10,718 | $ | 11,538 | ||||||||||
|
Fixed Charges:
|
||||||||||||||||||||
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Interest expense (Line 2)
|
$ | 14,785 | $ | 22,645 | $ | 24,095 | $ | 30,630 | $ | 28,974 | ||||||||||
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Less: interest expense on deposits (Line 4)
|
6,006 | 12,308 | 13,287 | 20,835 | 18,005 | |||||||||||||||
|
Excluding interest on deposits
|
$ | 8,779 | $ | 10,337 | $ | 10,808 | $ | 9,795 | $ | 10,969 | ||||||||||
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Ratio of Earnings to Fixed Charges:
|
||||||||||||||||||||
|
Including interest on deposits
|
||||||||||||||||||||
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(line 3 divided by Line 6)
|
1.49 | 1.21 | 1.31 | 1.03 | 1.02 | |||||||||||||||
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Excluding interest on deposits
|
||||||||||||||||||||
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(line 5 divided by Line 8)
|
1.82 | 1.46 | 1.69 | 1.09 | 1.05 | |||||||||||||||