EXHIBIT 12

RATIOS OF EARNINGS TO FIXED CHARGES AND EARNINGS TO FIXED CHARGES AND PREFERRED DIVIDENDS

The following table sets forth certain information regarding our consolidated ratios of earnings to fixed charges and earnings to fixed charges and preferred stock dividends. Fixed charges represent interest expense, a portion of rent expense representative of interest, trust-preferred securities related expense and amortization of debt issuance costs.

(Dollar amounts in thousands)	Year ended December 31,
	2010			2009			2008			2007			2006
Fixed charges:
Interest expense excluding deposits	$	395,961			191,496			281,993			346,022			303,689
Portion of rents representative of an interest factor		19,886			19,720			19,093			17,994			17,182
Fixed charges excluding interest on deposits		415,847			211,216			301,086			364,016			320,871
Interest on deposits		196,495			426,298			720,260			977,352			749,708
Fixed charges including interest on deposits	$	612,342			637,514			1,021,346			1,341,368			1,070,579
Fixed charges and preferred stock dividends:
Interest expense excluding deposits	$	395,961			191,496			281,993			346,022			303,689
Portion of rents representative of an interest factor		19,886			19,720			19,093			17,994			17,182
Preferred stock dividend requirement		122,884			102,969			24,424			21,157			5,927
Fixed charges and preferred stock dividends excluding interest on deposits		538,731			314,185			325,510			385,173			326,798
Interest on deposits		196,495			426,298			720,260			977,352			749,708
Fixed charges and preferred stock dividends including interest on deposits	$	735,226			740,483			1,045,770			1,362,525			1,076,506
Earnings:
Income from continuing operations before income taxes	$	(403,168	)		(1,623,020	)		(314,698	)		737,498			912,924
Equity in undistributed earnings of unconsolidated subsidiaries		(6,757	)		(6,785	)		(10,105	)		(11,731	)		(5,800	)
Fixed charges excluding interest on deposits		415,847			211,216			301,086			364,016			320,871
Earnings excluding interest on deposits		5,922			(1,418,589	)		(23,717	)		1,089,783			1,227,995
Interest on deposits		196,495			426,298			720,260			977,352			749,708
Earnings including interest on deposits	$	202,417			(992,291	)		696,543			2,067,135			1,977,703
Ratio of earnings to fixed charges:
Excluding interest on deposits		0.01			(a	)		(a	)		2.99			3.83
Including interest on deposits		0.33			(a	)		(a	)		1.54			1.85
Ratio of earnings to fixed charges and preferred stock dividends:
Excluding interest on deposits		0.01			(a	)		(a	)		2.83			3.76
Including interest on deposits		0.28			(a	)		(a	)		1.52			1.84
(a)    Ratio is less than one; earnings are inadequate to cover fixed charges. The dollar amount of the coverage deficiency for the affected periods is presented below. The amount is the same whether including or excluding interest on deposits:
Coverage deficiency – earnings to fixed charges				$	(1,629,805	)		(324,803	)
Coverage deficiency – earnings to fixed charges and preferred stock dividends					(1,732,774	)		(349,227	)