GREAT SOUTHERN BANCORP, INC. - FORM 10-K - EX-12.1 - RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDEND REQUIREMENT - March 3, 2016

Attached files

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EX-23 - CONSENT - GREAT SOUTHERN BANCORP, INC.ex-23.htm
EX-32 - CERTIFICATION - GREAT SOUTHERN BANCORP, INC.ex-32.htm
EX-31.2 - CERTIFICATION - GREAT SOUTHERN BANCORP, INC.ex31-2.htm
EX-31.1 - CERTIFICATION - GREAT SOUTHERN BANCORP, INC.ex31-1.htm
EX-10.7 - CURRENT NAMED EXECUTIVE OFFICER SALARY AND BONUS ARRANGEMENTS FOR 2016 - GREAT SOUTHERN BANCORP, INC.ex10-7.htm
EX-10.8 - CURRENT DIRECTOR FEE ARRANGEMENTS - GREAT SOUTHERN BANCORP, INC.ex10-8.htm
10-K - GREAT SOUTHERN BANCORP, INC.gsbc-10k123115.htm
EX-21 - SUBSIDIARIES OF THE REGISTRANT - GREAT SOUTHERN BANCORP, INC.ex-21.htm
Exhibit 12

RATIO OF EARNINGS TO FIXED CHARGES
AND PREFERRED STOCK DIVIDEND REQUIREMENT

   
For Year Ended December 31,
  
   
2015
    
2014
    
2013
    
2012
    
2011
  
   
(Dollars In Thousands)
  
Earnings:
                    
1. Income (loss) before income taxes
  
$
62,066
    
$
57,282
    
$
41,903
    
$
65,773
    
$
37,732
  
2. Plus interest expense
    
15,997
      
15,801
      
19,203
      
28,377
      
35,146
  
                                         
3. Earnings including interest on deposits
    
78,063
      
73,083
      
61,106
      
94,150
      
72,878
  
4. Less interest on deposits
    
13,511
      
11,225
      
12,346
      
20,720
      
26,370
  
                                         
5. Earnings excluding interest on deposits
  
$
64,552
    
$
61,858
    
$
48,760
    
$
73,430
    
$
46,508
  
                                         
Fixed charges and preferred stock dividend
requirements (pre-tax):
                                        
6. Including interest on deposits and
capitalized interest
  
$
16,736
    
$
16,563
    
$
19,922
    
$
29,198
    
$
40,145
  
7. Less interest on deposits (Line 4)
    
13,511
      
11,225
      
12,346
      
20,720
      
26,370
  
                                         
8. Excluding interest on deposits
  
$
3,225
    
$
5,338
    
$
7,576
    
$
8,478
    
$
13,775
  
                                         
Ratio of earnings to fixed charges and
preferred stock dividend requirements
(pre-tax):
                                        
Including interest on deposits
(Line 3 divided by Line 6)
    
4.66
      
4.41
      
3.07
      
3.22
      
1.82
  
Excluding interest on deposits
(Line 5 divided by Line 8)
    
20.01
      
11.59
      
6.44
      
8.66
      
3.38
  
                                         

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