The key is where the word and is. One hundred andtwelve hundredths: so it's 100 + 12/100 = 100.12
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One hundred twelve thousand, ninety and nine hundredths.
1.12
one and twelve tenths
Being English I write it as: one hundred and twenty, and nine hundredths; or one hundred and twenty point zero nine. Americans are likely to write it: one hundred twenty and nine hundredths
12,500.00 could be written in a few ways: Twelve thousand five hundred Twelve thousand five hundred dollars (if referring to money) Twelve thousand five hundred and zero hundredths (if you want to preserve the unnecessary zeroes at the end).