Exhibit 12

CVB Financial Corp.

Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividends

	For the Year Ended December 31,
	2013		2012		2011		2010		2009
	(Dollars in thousands)
Earnings excluding interest on deposits (1):
Earnings before income taxes	$	144,275	$	114,693	$	120,804	$	86,739	$	89,249
Fixed charges		13,449		21,247		28,296		41,946		65,510
	$	157,724	$	135,940	$	149,100	$	128,685	$	154,759
Preferred dividends (2):	$	—	$	—	$	—	$	—	$	5,827
Fixed charges (1):
Interest on borrowings	$	11,620	$	19,361	$	26,331	$	39,719	$	63,539
Amortization of debt expense		—		—		—		—		—
Interest portion of rental expense		1,829		1,886		1,965		2,227		1,971
	$	13,449	$	21,247	$	28,296	$	41,946	$	65,510
Ratio of earnings to fixed charges, excluding interest on deposits		11.73		6.40		5.27		3.07		2.36
Ratio of earnings to fixed charges and preferred dividends, excluding interest on deposits		11.73		6.40		5.27		3.07		2.27
Earnings including interest on deposits (1):
Earnings before income taxes	$	144,275	$	114,693	$	120,804	$	86,739	$	89,249
Fixed charges		18,336		27,158		37,004		60,199		90,466
	$	162,611	$	141,851	$	157,808	$	146,938	$	179,715
Preferred dividends (2):	$	—	$	—	$	—	$	—	$	5,827
Fixed charges (1):
Interest on deposits	$	4,887	$	5,911	$	8,708	$	18,253	$	24,956
Interest on borrowings		11,620		19,361		26,331		39,719		63,539
Amortization of debt expense		—		—		—		—		—
Interest portion of rental expense		1,829		1,886		1,965		2,227		1,971
	$	18,336	$	27,158	$	37,004	$	60,199	$	90,466
Ratio of earnings to fixed charges, including interest on deposits		8.87		5.22		4.26		2.44		1.99
Ratio of earnings to fixed charges and preferred dividends, including interest on deposits		8.87		5.22		4.26		2.44		1.92

(1) As defined in Item 503(d) of Regulation S-K.

(2) The preferred dividends were increased to amounts representing the pretax earnings that would be required to cover such dividend requirements.