| 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)*                                                                                                  |   | 2007                                                                                            |        | 2006  |   | 2005  |        | 2004  |   | 2003  |
|                                                                                                                                     |   |                                                                                                 |        |       |   |       |        |       |   |       |        |   |   |       |        |
| Net                income                                                                                                                |   | $                                                                                                    | 151,054     |       |   | $          | 144,645     |       |   | $          | 102,349     |   |   | $          | 97,137      |   |   | $ | 98,542 |   |
| Income                tax expense                                                                                                        |   |                                                                                                 | 74,310      |       |   |       | 69,164      |       |   |       | 43,007      |   |   |       | 43,198      |   |   |   | 46,099 |   |
| **  Income                before income taxes**                                                                                |   | **$**                                                                                                | **225,364** |       |   | **$**      | **213,809** |       |   | **$**      | **145,356** |   |   | **$**      | **140,335** |   |   | **$** | **144,641** |   |
|                                                                                                                                     |   |                                                                                                 |        |       |   |       |        |       |   |       |        |   |   |       |        |   |   |   |   |   |
| **Fixed                charges:**                                                                                                        |   |                                                                                                 |        |       |   |       |        |       |   |       |        |   |   |       |        |   |   |   |   |   |
| Interest                on short-term and other borrowings                                                                               |   | $                                                                                                    | 33,314      |       |   | $          | 23,085      |       |   | $          | 16,534      |   |   | $          | 6,017       |   |   | $ | 2,816 |   |
| Interest                within rent expense (1)                                                                                          |   |                                                                                                 | 3,262       |       |   |       | 2,510       |       |   |       | 1,714       |   |   |       | 1,402       |   |   |   | 1,325 |   |
| **  Fixed                charges excluding interest on deposits**                                                              |   | ** **                                                                                           | **36,576**  |       |   | ** ** | **25,595**  |       |   | ** ** | **18,248**  |   |   | ** ** | **7,419**   |   |   | ** ** | **4,141** |   |
| Interest                on deposits                                                                                                      |   |                                                                                                 | 163,000     |       |   |       | 122,075     |       |   |       | 64,452      |   |   |       | 34,665      |   |   |   | 40,693 |   |
| **  Fixed                charges including interest on deposits**                                                              |   | **$**                                                                                                | **199,576** |       |   | **$**      | **147,670** |       |   | **$**      | **82,700**  |   |   | **$**      | **42,084**  |   |   | **$** | **44,834** |   |
|                                                                                                                                     |   |                                                                                                 |        |       |   |       |        |       |   |       |        |   |   |       |        |   |   |   |   |   |
| **Earnings                for ratio computation:**                                                                                       |   |                                                                                                 |        |       |   |       |        |       |   |       |        |   |   |       |        |   |   |   |   |   |
| **  Excluding                interest on deposits**                                                                            |   | **$**                                                                                                | **261,940** |       |   | **$**      | **239,404** |       |   | **$**      | **163,604** |   |   | **$**      | **147,754** |   |   | **$** | **148,782** |   |
| **  Including                interest on deposits**                                                                            |   | **$**                                                                                                | **424,940** |       |   | **$**      | **361,479** |       |   | **$**      | **228,056** |   |   | **$**      | **182,419** |   |   | **$** | **189,475** |   |
|                                                                                                                                     |   |                                                                                                 |        |       |   |       |        |       |   |       |        |   |   |       |        |   |   |   |   |   |
| **Ratio                of earnings to fixed charges:**                                                                                   |   |                                                                                                 |        |       |   |       |        |       |   |       |        |   |   |       |        |   |   |   |   |   |
| **  Excluding                interest on deposits**                                                                            |   | ** **                                                                                           | **7.16**    |       |   | ** ** | **9.35**    |       |   | ** ** | **8.97**    |   |   | ** ** | **19.92**   |   |   | ** ** | **35.93** |   |
| **  Including                interest on deposits**                                                                            |   | ** **                                                                                           | **2.13**    |       |   | ** ** | **2.45**    |       |   | ** ** | **2.76**    |   |   | ** ** | **4.33**    |   |   | ** ** | **4.23** |   |
|                                                                                                                                     |   |                                                                                                 |        |       |   |       |        |       |   |       |        |   |   |       |        |   |   |   |   |   |
| *(1)                Estimated to be one-third of rent expense.*                                                                          |   |                                                                                                 |        |       |   |       |        |       |   |       |        |   |   |       |        |   |   |   |   |   |