EXHIBIT 12

Statement Regarding Computation of Ratios

The following formulas were used
to calculate the ratios in the Selected Consolidated Financial Data for the years ended December 31, 2009, 2008, 2007, 2006 and 2005, included in this report as Exhibit 13.

(Calculation)

Net Income/Weighted average shares of common stock outstanding for the period =
Earnings Per Share.



|                                                                                       |  |              |            |      |   |            |  |      |            |      |   |            |  |   |           
|-------------------------------------------------------------------------------------- |  | ------------ | ---------- | ---- | - | ---------- |  | ---- | ---------- | ---- | - | ---------- |  | - | ----------
|                                                                                       |  | December 31,
|                                                                                       |  | 2009         |            | 2008 |   | 2007       |  | 2006 |            | 2005
|                                                                                       |  |              |            |      |  
|Net income                                                                             |  | $            | 3,134,952  |      | $ | 4,455,633  |  | $    | 4,904,699  |      | $ | 5,223,393  |  | $ | 4,210,868 
|                                                                                       |  |              |            |      |  
|Weighted Average Shares Outstanding                                                    |  |              | 618,497    |      |   | 626,151    |  |      | 634,911    |      |   | 642,141    |  |   | 654,289   
|                                                                                       |  |              |            |      |  
|Per Share Amount                                                                       |  | $            | 5.07       |      | $ | 7.12       |  | $    | 7.73       |      | $ | 8.14       |  | $ | 6.44      
|Cash dividends/Weighted Average Shares Outstanding =
Cash dividends declared per share
|                                                                                       |  | December 31,
|                                                                                       |  | 2009         |            | 2008 |   | 2007       |  | 2006 |            | 2005
|                                                                                       |  |              |            |      |  
|Cash dividends                                                                         |  | $            | 1,853,242  |      | $ | 1,843,066  |  | $    | 2,371,463  |      | $ | 2,240,163  |  | $ | 1,437,738 
|                                                                                       |  |              |            |      |  
|Weighted Average shares outstanding                                                    |  |              | 618,497    |      |   | 626,151    |  |      | 634,911    |      |   | 642,141    |  |   | 654,289   
|                                                                                       |  |              |            |      |  
|Per Share Amount                                                                       |  | $            | 3.00       |      | $ | 2.95       |  | $    | 3.75       |      | $ | 3.50       |  | $ | 2.20      
|Shareholders Equity/Shares Outstanding at
period end = Book Value Per Share          
|                                                                                       |  | December 31,
|                                                                                       |  | 2009         |            | 2008 |   | 2007       |  | 2006 |            | 2005
|                                                                                       |  |              |            |      |  
|Shareholders Equity                                                                   |  | $            | 43,063,408 |      | $ | 42,935,598 |  | $    | 41,117,641 |      | $ | 39,133,797 |  | $ | 37,049,303
|                                                                                       |  |              |            |      |  
|Shares outstanding                                                                     |  |              | 616,706    |      |   | 621,482    |  |      | 629,582    |      |   | 638,642    |  |   | 647,760   
|                                                                                       |  |              |            |      |  
|Per Share Amount                                                                       |  | $            | 69.83      |      | $ | 69.09      |  | $    | 65.31      |      | $ | 61.28      |  | $ | 57.20     



---

Net Income/Average Assets = Return on Average Assets



|                         |  |                            |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|------------------------ |  | -------------------------- | ------- | - | ---- | - | ------- | ---- |  | - | ------- | - |  | ---- | ------- | - |  | - | ------- | -
|                         |  | (In Thousands)December
31, |        
|                         |  | 2009                       |         |   | 2008 |   |         | 2007 |  |   | 2006    |   |  | 2005 |        
|                         |  |                            |         |   |     
|Net Income               |  | $                          | 3,135   |   |      | $ | 4,456   |      |  | $ | 4,905   |   |  | $    | 5,223   |   |  | $ | 4,211   |  
|                         |  |                            |         |   |     
|Average Assets           |  | $                          | 350,654 |   |      | $ | 338,445 |      |  | $ | 324,023 |   |  | $    | 299,641 |   |  | $ | 291,818 |  
|                         |  |                            |         |   |     
|Return on Average Assets |  |                            | 0.89    | % |      |   | 1.32    | %    |  |   | 1.51    | % |  |      | 1.74    | % |  |   | 1.44    | %

Net Income/Average Shareholders
equity = Return on Average Equity



|                             |  |                            |        |   |      |   |        |      |  |   |        |   |  |      |        |   |  |   |        |  
|---------------------------- |  | -------------------------- | ------ | - | ---- | - | ------ | ---- |  | - | ------ | - |  | ---- | ------ | - |  | - | ------ | -
|                             |  | (In Thousands)December
31, |       
|                             |  | 2009                       |        |   | 2008 |   |        | 2007 |  |   | 2006   |   |  | 2005 |       
|                             |  |                            |        |   |     
|Net Income                   |  | $                          | 3,135  |   |      | $ | 4,456  |      |  | $ | 4,905  |   |  | $    | 5,223  |   |  | $ | 4,211  |  
|                             |  |                            |        |   |     
|Average Shareholders Equity |  | $                          | 40,868 |   |      | $ | 39,064 |      |  | $ | 38,072 |   |  | $    | 35,838 |   |  | $ | 34,410 |  
|                             |  |                            |        |   |     
|Return on Average Equity     |  |                            | 7.67   | % |      |   | 11.41  | %    |  |   | 12.88  | % |  |      | 14.57  | % |  |   | 12.24  | %

Cash dividends per share/Net income per
share = Dividends Payout Ratio



|                         |  |              |       |   |      |   |       |      |  |   |       |   |  |      |       |   |  |   |       |  
|------------------------ |  | ------------ | ----- | - | ---- | - | ----- | ---- |  | - | ----- | - |  | ---- | ----- | - |  | - | ----- | -
|                         |  | December 31, |      
|                         |  | 2009         |       |   | 2008 |   |       | 2007 |  |   | 2006  |   |  | 2005 |      
|                         |  |              |       |   |     
|Cash dividends per share |  | $            | 3.00  |   |      | $ | 2.95  |      |  | $ | 3.75  |   |  | $    | 3.50  |   |  | $ | 2.20  |  
|                         |  |              |       |   |     
|Earnings per share       |  | $            | 5.07  |   |      | $ | 7.12  |      |  | $ | 7.73  |   |  | $    | 8.14  |   |  | $ | 6.44  |  
|                         |  |              |       |   |     
|Dividend Payout Ratio    |  |              | 59.17 | % |      |   | 41.43 | %    |  |   | 48.51 | % |  |      | 43.00 | % |  |   | 34.16 | %



---

Average Equity/Average Assets = Average Equity To Average Assets



|                                               |  |                            |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|---------------------------------------------- |  | -------------------------- | ------- | - | ---- | - | ------- | ---- |  | - | ------- | - |  | ---- | ------- | - |  | - | ------- | -
|                                               |  | (In thousands)December
31, |        
|                                               |  | 2009                       |         |   | 2008 |   |         | 2007 |  |   | 2006    |   |  | 2005 |        
|                                               |  |                            |         |   |     
|Average Shareholders Equity                   |  | $                          | 40,868  |   |      | $ | 39,064  |      |  | $ | 38,072  |   |  | $    | 35,838  |   |  | $ | 34,410  |  
|                                               |  |                            |         |   |     
|Average Assets                                 |  | $                          | 350,654 |   |      | $ | 338,445 |      |  | $ | 324,023 |   |  | $    | 299,641 |   |  | $ | 291,818 |  
|                                               |  |                            |         |   |     
|Average Shareholders Equity to Average Assets |  |                            | 11.65   | % |      |   | 11.54   | %    |  |   | 11.75   | % |  |      | 11.96   | % |  |   | 11.79   | %

Loans/Total deposits = Loan to Deposit
Ratio



|                      |  |                            |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|--------------------- |  | -------------------------- | ------- | - | ---- | - | ------- | ---- |  | - | ------- | - |  | ---- | ------- | - |  | - | ------- | -
|                      |  | (In thousands)December
31, |        
|                      |  | 2009                       |         |   | 2008 |   |         | 2007 |  |   | 2006    |   |  | 2005 |        
|                      |  |                            |         |   |     
|Total loans           |  | $                          | 210,239 |   |      | $ | 203,228 |      |  | $ | 199,299 |   |  | $    | 194,623 |   |  | $ | 208,901 |  
|                      |  |                            |         |   |     
|Total deposits        |  | $                          | 321,295 |   |      | $ | 288,947 |      |  | $ | 285,451 |   |  | $    | 264,301 |   |  | $ | 250,349 |  
|                      |  |                            |         |   |     
|Loan to deposit Ratio |  |                            | 65.44   | % |      |   | 70.33   | %    |  |   | 69.82   | % |  |      | 73.64   | % |  |   | 83.44   | %

Allowance for Loan Loss/Total Loan =
Allowance To Total Loan Ratio



|                          |  |                            |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|------------------------- |  | -------------------------- | ------- | - | ---- | - | ------- | ---- |  | - | ------- | - |  | ---- | ------- | - |  | - | ------- | -
|                          |  | (In thousands)December
31, |        
|                          |  | 2009                       |         |   | 2008 |   |         | 2007 |  |   | 2006    |   |  | 2005 |        
|                          |  |                            |         |   |     
|Allowance for Loan Losses |  | $                          | 2,441   |   |      | $ | 2,525   |      |  | $ | 2,510   |   |  | $    | 2,394   |   |  | $ | 2,313   |  
|                          |  |                            |         |   |     
|Total loans               |  | $                          | 210,239 |   |      | $ | 203,228 |      |  | $ | 199,299 |   |  | $    | 194,623 |   |  | $ | 208,901 |  
|                          |  |                            |         |   |     
|Allowance to total Loans  |  |                            | 1.16    | % |      |   | 1.24    | %    |  |   | 1.26    | % |  |      | 1.23    | % |  |   | 1.11    | %