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EXHIBIT 12

BAY VIEW CAPITAL CORPORATION
COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES

|                                                                           |                                                                       |  |  |      |        |  |  |      |       
|-------------------------------------------------------------------------- | --------------------------------------------------------------------- |  |  | ---- | ------ |  |  | ---- | ------
|                                                                          
|                                                                           |                                                                      
|Earnings                                                                  
|                                                                           | Earnings (loss) before income tax expense (benefit)                   |  |  |      | 6,914  |  |  |      | (7,966
|                                                                           | Add:                                                                 
|                                                                           | Interest on advances and other
borrowings                             |  |  |      | 5,547  |  |  |      | 18,054
|                                                                           | Interest component of rental expense                                  |  |  |      | 533    |  |  |      | 545   
|                                                                           |                                                                       |  | 
|                                                                           | Earnings before fixed charges
excluding interest on customer deposits |  |  |      | 12,994 |  |  |      | 10,633
|                                                                           | Interest on customer deposits                                         |  |  |      | 15,002 |  |  |      | 43,921
|                                                                           |                                                                       |  | 
|                                                                           | Earnings before fixed charges                                         |  |  |      | 27,996 |  |  |      | 54,554
|                                                                           |                                                                       |  | 
|                                                                          
|Fixed Charges                                                             
|                                                                           | Interest on advances and other borrowings                             |  |  |      | 5,547  |  |  |      | 18,054
|                                                                           | Interest component of rental expense                                  |  |  |      | 533    |  |  |      | 545   
|                                                                           |                                                                       |  | 
|                                                                           | Fixed charges excluding interest on customer
deposits                 |  |  |      | 6,080  |  |  |      | 18,599
|                                                                           | Interest on customer deposits                                         |  |  |      | 15,002 |  |  |      | 43,921
|                                                                           |                                                                       |  | 
|                                                                           | Total fixed charges                                                   |  |  |      | 21,082 |  |  |      | 62,520
|                                                                           |                                                                       |  | 
|Ratio of earnings to fixed charges
including interest on customer deposits |                                                                       |  |  | 1.33 |        |  |  | 0.87
|Ratio of earnings to fixed charges
excluding interest on customer deposits |                                                                       |  |  | 2.14 |        |  |  | 0.57