**EXHIBIT      12 - STATEMENT RE: COMPUTATION OF RATIOS**

**Florida      Community Banks, Inc.**

|                                                                        | Year                Ended December 31,    |
|-----------------------------------------------------------------------------|-------------------------------------------|
|                                                                        | **2006**                                  | 2005 | 2004 |
|                                                                        | **(**Dollars                in thousands) |
|                                                                        |                                      |   |   |
| Pretax                income                                                | **$37,760**                               | $29,622 | $19,936 |
| Add                fixed charges:                                           |                                      |   |   |
| Interest                on deposits                                         | **29,741**                                | 13,864 | 7,109 |
| Interest                on borrowings                                       | **4,624**                                 | 3,521 | 2,090 |
| Portion                of rental expense representing interest expense      | **62**                                    | 61 | 59 |
| Total                fixed charges                                          | **34,427**                                | 17,446 | 9,258 |
|                                                                        |                                      |   |   |
| Income                before fixed charges                                  | **$72,187**                               | $47,068 | $29,194 |
|                                                                        |                                      |   |   |
| Pretax                income                                                | **$37,760**                               | $29,622 | $19,936 |
| Add                fixed charges (excluding interest on deposits):          |                                      |   |   |
| Interest                on borrowings                                       | **4,624**                                 | 3,521 | 2,090 |
| Portion                of rental expense representing interest expense      | **62**                                    | 61 | 59 |
| Total                fixed charges                                          | **4,686**                                 | 3,582 | 2,149 |
|                                                                        |                                      |   |   |
| Income                before fixed charges (excluding interest on deposits) | **$42,446**                               | $33,204 | $22,085 |
|                                                                        |                                      |   |   |
| Ratio                of Earnings to Fixed Charges                           |                                      |   |   |
| Including                interest on deposits                               | **2.10**                                  | 2.70 | 3.15 |
| Excluding                interest on deposits                               | **9.06**                                  | 9.27 | 10.28 |