Attached files
| file | filename |
|---|---|
| EX-31.1 - PERSONAL CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER PURSUANT TO SECTION 302 - ConnectOne Bancorp, Inc. | connect3203971-ex311.htm |
| EX-32 - PERSONAL CERTIFICATION OF THE CEO AND THE CFO - ConnectOne Bancorp, Inc. | connect3203971-ex32.htm |
| EX-31.2 - PERSONAL CERTIFICATION OF THE CHIEF FINANCIAL OFFICER PURSUANT TO SECTION 302 - ConnectOne Bancorp, Inc. | connect3203971-ex312.htm |
| EX-23.1 - CONSENT OF CROWE HORWATH LLP - ConnectOne Bancorp, Inc. | connect3203971-ex231.htm |
| EX-21.1 - SUBSIDIARIES OF THE REGISTRANT - ConnectOne Bancorp, Inc. | connect3203971-ex211.htm |
| 10-K - ANNUAL REPORT - ConnectOne Bancorp, Inc. | connect3203971-10k.htm |
Exhibit 12.1
Statement of Ratios of Earnings to Fixed Charges
| Year ended December 31, | ||||||||||||||||
| 2016 | 2015 | 2014 | 2013 | 2012 | ||||||||||||
| (Dollars in Thousands) | ||||||||||||||||
| Earnings: | ||||||||||||||||
| 1. Income after income taxes | $ | 31,082 | $ | 41,311 | $ | 27,410 | $ | 27,409 | $ | 25,184 | ||||||
| 2. Plus: interest expense | 31,096 | 23,814 | 14,808 | 11,082 | 11,776 | |||||||||||
| 3. Earnings including interest on deposits | 62,178 | 65,125 | 42,218 | 38,491 | 36,960 | |||||||||||
| 4. Less: interest on deposits | 18,667 | 13,756 | 8,260 | 5,219 | 5,408 | |||||||||||
| 5. Earnings excluding interest on deposits | $ | 43,511 | $ | 51,369 | $ | 33,958 | $ | 33,272 | $ | 31,552 | ||||||
| Fixed Charges: | ||||||||||||||||
| 6. Interest expense (Line 2) | $ | 31,096 | $ | 23,814 | $ | 14,808 | $ | 11,082 | $ | 11,776 | ||||||
| 7. Less: interest expense on deposits (Line 4) | 18,667 | 13,756 | 8,260 | 5,219 | 5,408 | |||||||||||
| 8. Excluding interest on deposits | $ | 12,429 | $ | 10,058 | $ | 6,548 | $ | 5,863 | $ | 6,368 | ||||||
| Ratio of Earnings to Fixed Charges: | ||||||||||||||||
| Including interest on deposits (line 3 divided by Line 6) | 2.00 | 2.73 | 2.85 | 3.47 | 3.14 | |||||||||||
| Excluding interest on deposits (line 5 divided by Line 8) | 3.50 | 5.11 | 5.19 | 5.67 | 4.95 | |||||||||||