Exhibit 12.1

Consolidated Ratios of Earnings to Fixed Charges

	Six Months Ended June 30,		Year Ended December 31,
	2014		2013			2012			2011			2010			2009
Excluding interest on deposits	12.1	x		15.4	x		12.1	x		7.1	x		4.7	x		4.6	x
Including interest on deposits	5.0	x		4.7	x		4.1	x		2.7	x		1.9	x		1.5	x