Exhibit



	Year Ending December 31,
	2015		2014		2013		2012		2011
($ in thousands)
Including Interest on Deposits
Income before income taxes ⁽¹⁾	$	578,721	$	447,023	$	447,146	$	441,288	$	394,567
Fixed charges	111,590		121,562		126,170		151,123		195,746
	690,311		568,585		573,316		592,411		590,313
Fixed charges:
Interest Expense	103,376		112,820		112,492		132,168		177,422
Estimate of interest within rental expense	8,214		8,742		8,731		8,594		7,605
Total fixed charges	111,590		121,562		121,223		140,762		185,027
Preferred Dividends	—		—		4,947		10,361		10,719
Total fixed charges and preferred dividends	111,590		121,562		126,170		151,123		195,746

Ratio of Earnings to Fixed Charges	6.19		4.68		4.73		4.21		3.19
Ratio of Earnings to Fixed Charges and Preferred Dividends	6.19		4.68		4.54		3.92		3.02

Excluding interest on deposits
Income before income taxes ⁽¹⁾	$	578,721	$	447,023	$	447,146	$	441,288	$	394,567
Fixed charges	38,085		56,076		62,674		75,228		88,636
	616,806		503,099		509,820		516,516		483,203
Fixed charges:
Interest Expense	103,376		112,820		112,492		132,168		177,422
Less: Interest on deposits	73,505		65,486		63,496		75,895		107,110
Estimate of interest within rental expense	8,214		8,742		8,731		8,594		7,605
Total fixed charges	38,085		56,076		57,727		64,867		77,917
Preferred Dividends	—		—		4,947		10,361		10,719
Total fixed charges and preferred dividends	38,085		56,076		62,674		75,228		88,636

Ratio of Earnings to Fixed Charges	16.20		8.97		8.83		7.96		6.20
Ratio of Earnings to Fixed Charges and Preferred Dividends	16.20		8.97		8.13		6.87		5.45


(1)	Prior periods were restated to reflect the retrospective application of adopting the new accounting guidance related to the Company’s investments in qualified affordable housing projects ASU 2014-01. Please see Note 9 — Investments in Qualified Affordable Housing Partnerships, Tax Credit and Other Investments, Net to the Consolidated Financial Statements for additional information.