Exhibit 12.0

Intervest Bancshares Corporation and Subsidiary

Computation of Ratios of Earnings to Fixed Charges

	For the Year Ended December 31, 2013
($ in thousands)	Intervest Bancshares Corporation Consolidated			Intervest Bancshares Corporation (stand alone)
Earnings before income taxes (1)	$	26,149		$	28,710
Fixed charges, excluding interest on deposits (2)		2,737			2,736
Earnings before income taxes and fixed charges, excluding interest on deposits		28,886			31,446
Interest on deposits		25,430			—
Earnings before income taxes and fixed charges, including interest on deposits	$	54,316		$	31,446
Earnings to fixed charges ratios:
Excluding interest on deposits		10.55	x		11.49	x
Including interest on deposits		1.93	x		11.49	x
	For the Year Ended December 31, 2012
($ in thousands)	Intervest Bancshares Corporation Consolidated			Intervest Bancshares Corporation (stand alone)
Earnings before income taxes (1)	$	22,529		$	(2,352	)
Fixed charges, excluding interest on deposits (2)		4,037			3,649
Earnings before income taxes and fixed charges, excluding interest on deposits		26,566			1,297
Interest on deposits		35,831			—
Earnings before income taxes and fixed charges, including interest on deposits	$	62,397		$	1,297
Earnings to fixed charges ratios:
Excluding interest on deposits		6.58	x		0.36	x
Including interest on deposits		1.57	x		0.36	x
	For the Year Ended December 31, 2011
($ in thousands)	Intervest Bancshares Corporation Consolidated			Intervest Bancshares Corporation (stand alone)
Earnings before income taxes (1)	$	20,758		$	(2,695	)
Fixed charges, excluding interest on deposits (2)		4,688			3,802
Earnings before income taxes and fixed charges, excluding interest on deposits		25,446			1,107
Interest on deposits		47,582			—
Earnings before income taxes and fixed charges, including interest on deposits	$	73,028		$	1,107
Earnings to fixed charges ratios:
Excluding interest on deposits		5.43	x		0.29	x
Including interest on deposits		1.40	x		0.29	x

(1) IBC’s stand alone earnings before income taxes for purposes of this calculation include dividends received from INB, its wholly-owned subsidiary, in the amounts of $31 million in 2013 and $0 in 2012 and 2011. See the section “Supervision and Regulation” in Item 1 “Business” of IBC’s Annual Report on Form 10-K for the year ended December 31, 2013.

(2) Fixed charges for purposes of this calculation represent the aggregate of interest expense on outstanding debentures and other short-term borrowings, amortization of debenture offering costs and preferred stock dividend requirements, which are comprised of preferred stock dividends and related preferred stock discount amortization.