Exhibit 12
STATEMENT REGARDING COMPUTATION OF EARNINGS TO FIXED CHARGES
WHITNEY HOLDING CORPORATION
COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES
	Years Ended December 31
(dollars in thousands)	2006		2005		2004		2003		2002
Net income		$144,645		$102,349		$97,137		$98,542		$95,323
Income tax expense		69,164		43,007		43,198		46,099		46,644
Income before income taxes		$213,809		$145,356		$140,335		$144,641		$141,967
Fixed charges:
Interest on short-term and other borrowings		$23,085		$16,534		$6,017		$2,816		$3,844
Interest within rent expense (1)		2,510		1,714		1,402		1,325		1,317
Fixed charges excluding interest on deposits		25,595		18,248		7,419		4,141		5,161
Interest on deposits		122,075		64,452		34,665		40,693		71,857
Fixed charges including interest on deposits		$147,670		$82,700		$42,084		$44,834		$77,018
Earnings for ratio computation:
Excluding interest on deposits		$239,404		$163,604		$147,754		$148,782		$147,128
Including interest on deposits		$361,479		$228,056		$182,419		$189,475		$218,895
Ratio of earnings to fixed charges:
Excluding interest on deposits		9.35		8.97		19.92		35.93		28.51
Including interest on deposits		2.45		2.76		4.33		4.23		2.84
(1) Estimated to be one-third of rent expense.

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