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