Exhibit 12.1
International Bancshares Corporation
Ratios of Earnings to Fixed Charges and Preferred Dividends
S-3 filing
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|
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September 30, 2008 |
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December 31, 2007 |
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December 31, 2006 |
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December 31, 2005 |
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December 31, 2004 |
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December 31, 2003 |
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|
dollars in thousands |
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Pre-Tax earnings before minority Interest |
|
153,362 |
|
177,076 |
|
173,930 |
|
212,149 |
|
176,912 |
|
182,554 |
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|
Fixed Charges |
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|
|
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|
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|
|
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Other Interest |
|
73,928 |
|
136,542 |
|
156,067 |
|
106,660 |
|
50,146 |
|
43,544 |
|
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Net rent (1/3) |
|
2,698 |
|
3,394 |
|
2,609 |
|
2,557 |
|
2,008 |
|
1,641 |
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Excluding interest on deposits |
|
76,626 |
|
139,936 |
|
158,676 |
|
109,217 |
|
52,154 |
|
45,185 |
|
|
Interest on deposits |
|
107,969 |
|
196,798 |
|
163,521 |
|
100,170 |
|
58,456 |
|
51,181 |
|
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Including interest on deposits |
|
184,595 |
|
336,734 |
|
322,197 |
|
209,387 |
|
110,610 |
|
96,366 |
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Total earnings |
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|
|
|
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|
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Including interest on deposits |
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337,957 |
|
513,810 |
|
496,127 |
|
421,536 |
|
287,522 |
|
278,920 |
|
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Excluding interest on deposits |
|
229,988 |
|
317,012 |
|
332,606 |
|
321,366 |
|
229,066 |
|
227,739 |
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Ratio of Earnings to Combined Fixed Charges |
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Including interest on deposits |
|
1.8 |
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1.5 |
|
1.5 |
|
2.0 |
|
2.6 |
|
2.9 |
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Excluding interest on deposits |
|
3.0 |
|
2.3 |
|
2.1 |
|
2.9 |
|
4.4 |
|
5.0 |
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