| Exhibit                  12                                                                        |                                       |         |             |   |             |   |             |         |             |   |
|----------------------------------------------------------------------------------------------------|--------------------------------------------|--------------|------------------|--------|------------------|--------|------------------|--------------|------------------|--------|
|                                                                                               |                                       |         |             |   |             |   |             |         |             |   |
| **STATEMENT                  REGARDING COMPUTATION OF EARNINGS TO FIXED                  CHARGES** |                                       |
|                                                                                               |                                       |         |             |   |             |   |             |         |             |   |
|                                                                                               |                                       |         |             |   |             |   |             |         |             |   |
| **WHITNEY                  HOLDING CORPORATION**                                                   |                                       |
| **COMPUTATION                  OF RATIO OF EARNINGS TO FIXED CHARGES**                             |
|                                                                                               |                                       |         |             |   |             |   |             |         |             |   |
|                                                                                               | *Years                  Ended December 31* |
| *(dollars                  in thousands)*                                                          | 2006                             |         | 2005   |   | 2004   |   | 2003   |         | 2002   |   |
|                                                                                               |                                       |         |             |   |             |   |             |         |             |   |
| Net                  income                                                                        |                                       | $144,645     |             |   | $102,349         |   |             | $97,137      |             |   | $98,542 |   |   | $95,323 |   |
| Income                  tax expense                                                                |                                       | 69,164       |             |   | 43,007           |   |             | 43,198       |             |   | 46,099 |   |   | 46,644 |   |
| **                   Income before income taxes**                                             |                                       | **$213,809** |             |   | **$145,356**     |   |             | **$140,335** |             |   | **$144,641** |   |   | **$141,967** |   |
|                                                                                               |                                       |         |             |   |             |   |             |         |             |   |   |   |   |   |   |
| **Fixed                  charges:**                                                                |                                       |         |             |   |             |   |             |         |             |   |   |   |   |   |   |
| Interest                  on short-term and other borrowings                                       |                                       | $23,085      |             |   | $16,534          |   |             | $6,017       |             |   | $2,816 |   |   | $3,844 |   |
| Interest                  within rent expense (1)                                                  |                                       | 2,510        |             |   | 1,714            |   |             | 1,402        |             |   | 1,325 |   |   | 1,317 |   |
| **                   Fixed charges excluding interest on deposits**                           |                                       | **25,595**   |             |   | **18,248**       |   |             | **7,419**    |             |   | **4,141** |   |   | **5,161** |   |
| Interest                  on deposits                                                              |                                       | 122,075      |             |   | 64,452           |   |             | 34,665       |             |   | 40,693 |   |   | 71,857 |   |
| **                   Fixed charges including interest on deposits**                           |                                       | **$147,670** |             |   | **$82,700**      |   |             | **$42,084**  |             |   | **$44,834** |   |   | **$77,018** |   |
|                                                                                               |                                       |         |             |   |             |   |             |         |             |   |   |   |   |   |   |
| **Earnings                  for ratio computation:**                                               |                                       |         |             |   |             |   |             |         |             |   |   |   |   |   |   |
| **                   Excluding interest on deposits**                                         |                                       | **$239,404** |             |   | **$163,604**     |   |             | **$147,754** |             |   | **$148,782** |   |   | **$147,128** |   |
| **                   Including interest on deposits**                                         |                                       | **$361,479** |             |   | **$228,056**     |   |             | **$182,419** |             |   | **$189,475** |   |   | **$218,895** |   |
|                                                                                               |                                       |         |             |   |             |   |             |         |             |   |   |   |   |   |   |
| **Ratio                  of earnings to fixed charges:**                                           |                                       |         |             |   |             |   |             |         |             |   |   |   |   |   |   |
| **                   Excluding interest on deposits**                                         |                                       | **9.35**     |             |   | **8.97**         |   |             | **19.92**    |             |   | **35.93** |   |   | **28.51** |   |
| **                   Including interest on deposits**                                         |                                       | **2.45**     |             |   | **2.76**         |   |             | **4.33**     |             |   | **4.23** |   |   | **2.84** |   |
|                                                                                               |                                       |         |             |   |             |   |             |         |             |   |   |   |   |   |   |
| *(1)                  Estimated to be one-third of rent expense.*                                  |                                       |         |             |   |             |   |             |         |             |   |   |   |   |   |   |