Annual Report — [x] Reg. S-K Item 405 — Form 10-K
Filing Table of Contents
Document/Exhibit Description Pages Size
1: 10-K405 Form 10-K 29 196K
2: EX-10.A Retirement Plan for Nonofficer Directors, 2 10K
Amendment
3: EX-10.D Senior Management Incentive Plan, Amendment 1 8K
4: EX-10.I 1992 Management Stock Plan, Amendment 1 7K
5: EX-10.L Supplemental Benefits Agreement 3 9K
6: EX-10.O Severance Pay Program 22 91K
7: EX-10.P General Release and Settlement Agreement 13 53K
8: EX-11 Computation of Earnings Per Share 2± 10K
9: EX-12.A Ratios of Earnings 3 16K
10: EX-12.B Pro Forma Combined Ratios of Earnings 2 11K
11: EX-13 1995 Bankamerica Corp. Annual Report to S/H 164± 699K
12: EX-21 Bankamerica Corporation Subsidiaries 7 41K
13: EX-23 Consent of Independent Auditors 1 13K
14: EX-24 Powers of Attorney 15 25K
15: EX-27 Financial Data Schedule 2 13K
EX-12.A — Ratios of Earnings
| EX-12.A | 1st Page of 3 | TOC | ↑Top | Previous | Next | ↓Bottom | Just 1st |
|---|
Exhibit 12(a)
Page 1 of 3
BANKAMERICA CORPORATION
Ratio of Earnings to Fixed Charges
[Download Table]
Year Ended December 31
--------------------------------------------
(dollar amounts in millions) 1995 1994 1993 1992 1991
-------- ------- ------- ------- -------
EXCLUDING INTEREST ON DEPOSITS
Fixed charges:
Interest expense (other
than interest on deposits) $ 2,455 $1,505 $1,215 $1,126 $ 743
Interest factor in rent expense 120 109 112 95 82
Other - 3 2 1 1
------- ------ ------ ------ ------
$ 2,575 $1,617 $1,329 $1,222 $ 826
======= ====== ====== ====== ======
Earnings:
Income from operations $ 2,664 $2,176 $1,954 $1,492 $1,124
Applicable income taxes 1,903 1,541 1,474 1,190 749
Fixed charges 2,575 1,617 1,329 1,222 826
Other (12) (55) (39) (14) (15)
------- ------ ------ ------ ------
$ 7,130 $5,279 $4,718 $3,890 $2,684
======= ====== ====== ====== ======
Ratio of earnings to fixed charges,
excluding interest on deposits 2.77 3.26 3.55 3.18 3.25
INCLUDING INTEREST ON DEPOSITS
Fixed charges:
Interest expense $ 7,378 $4,842 $4,186 $4,895 $5,388
Interest factor in rent expense 120 109 112 95 82
Other - 3 2 1 1
------- ------ ------ ------ ------
$ 7,498 $4,954 $4,300 $4,991 $5,471
======= ====== ====== ====== ======
Earnings:
Income from operations $ 2,664 $2,176 $1,954 $1,492 $1,124
Applicable income taxes 1,903 1,541 1,474 1,190 749
Fixed charges 7,498 4,954 4,300 4,991 5,471
Other (12) (55) (39) (14) (15)
------- ------ ------ ------ ------
$12,053 $8,616 $7,689 $7,659 $7,329
======= ====== ====== ====== ======
Ratio of earnings to fixed charges,
including interest on deposits 1.61 1.74 1.79 1.53 1.34
Exhibit 12(a)
Page 2 of 3
BANKAMERICA CORPORATION
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
[Download Table]
Year Ended December 31
--------------------------------------------
(dollar amounts in millions) 1995 1994 1993 1992 1991
-------- ------- ------- ------- -------
EXCLUDING INTEREST ON DEPOSITS
Fixed charges and preferred dividends
Interest expense (other
than interest on deposits) $ 2,455 $1,505 $1,215 $1,126 $ 743
Interest factor in rent expense 120 109 112 95 82
Preferred dividend requirements/a/ 389 424 423 304 102
Other - 3 2 1 1
------- ------ ------ ------ ------
$ 2,964 $2,041 $1,752 $1,526 $ 928
======= ====== ====== ====== ======
Earnings:
Income from operations $ 2,664 $2,176 $1,954 $1,492 $1,124
Applicable income taxes 1,903 1,541 1,474 1,190 749
Fixed charges, excluding preferred
dividend requirements 2,575 1,617 1,329 1,222 826
Other (12) (55) (39) (14) (15)
------- ------ ------ ------ ------
$ 7,130 $5,279 $4,718 $3,890 $2,684
======= ====== ====== ====== ======
Ratio of earnings to fixed charges,
and preferred dividends, excluding
interest on deposits 2.41 2.59 2.69 2.55 2.89
INCLUDING INTEREST ON DEPOSITS
Fixed charges and preferred dividends
Interest expense $ 7,378 $4,842 $4,186 $4,895 $5,388
Interest factor in rent expense 120 109 112 95 82
Preferred dividend requirement/a/ 389 424 423 304 102
Other - 3 2 1 1
------- ------ ------ ------ ------
$ 7,887 $5,378 $4,723 $5,295 $5,573
======= ====== ====== ====== ======
Earnings:
Income from operations $ 2,664 $2,176 $1,954 $1,492 $1,124
Applicable income taxes 1,903 1,541 1,474 1,190 749
Fixed charges, excluding preferred
dividend requirements 7,498 4,954 4,300 4,991 5,471
Other (12) (55) (39) (14) (15)
------- ------ ------ ------ ------
$12,053 $8,616 $7,689 $7,659 $7,329
======= ====== ====== ====== ======
Ratio of earnings to fixed charges,
and preferred dividends, including
interest on deposits 1.53 1.60 1.63 1.45 1.32
SEE NOTES ON PAGE 3 OF THIS EXHIBIT
Exhibit 12(a)
Page 3 of 3
BANKAMERICA CORPORATION
Notes to
Ratio of Earnings to Fixed Charges and
Preferred Stock Dividends
/a/ Preferred stock dividend requirements represent pretax earnings necessary to
cover preferred stock dividends declared during the years ended December 31,
1995, 1994, 1993, 1992, and 1991 of $227 million, $248 million, $241 million,
$169 million, and $61 million, respectively.
Dates Referenced Herein and Documents Incorporated by Reference
↑Top
Filing Submission 0000898430-96-000858 – Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)
Copyright © 2024 Fran Finnegan & Company LLC – All Rights Reserved.
About — Privacy — Redactions — Help —
Thu., Apr. 18, 6:24:52.1am ET 
