Exhibit 12

COMPUTATION OF CONSOLIDATED RATIOS OF EARNINGS TO FIXED CHARGES

	For the Year Ended December 31,
	2017				2016				2015			2014			2013
Earnings:
Income before income taxes	$	234,454			$	208,249			$	199,423		$	210,500		$	212,925
Interest expense, including interest on deposits	93,502				82,328				83,795			81,211			82,495
Estimated interest component of net rental expense (1)	6,143				6,047				5,935			5,932			6,202
Amortization of debt discount (premium) and expenses, including amounts capitalized	855				617				585			334			315
Earnings	334,954				297,241				289,738			297,977			301,937
Less: Interest expense on deposits	(57,791		)		(44,693		)		(40,482		)	(35,110		)	(36,770		)
Earnings, excluding interest on deposits	$	277,163		v	$	252,548		v	$	249,256		$	262,867		$	265,167
Fixed Charges:
Interest expense, including capitalized interest	93,503				82,328				83,795			81,211			82,495
Interest portion of rent expense (1)	6,143				6,047				5,935			5,932			6,202
Amortization of debt discount (premium) and expenses, including amounts capitalized	855				617				585			334			315
Total fixed charges	100,501				88,992				90,315			87,477			89,012
Less: Interest expense on deposits	(57,791		)		(44,693		)		(40,482		)	(35,110		)	(36,770		)
Earnings, excluding interest on deposits	$	42,710			$	44,299			$	49,833		$	52,367		$	52,242
Earnings to fixed charges:
Including interest on deposits	3.33				3.34				3.21			3.41			3.39
Excluding interest on deposits	6.49				5.70				5.00			5.02			5.08

⁽¹⁾ The proportion, estimated at one-third, of rental expense deemed representative of interest.

The ratio of earnings to fixed charges is computed by dividing earnings by the aggregate of fixed charges. For purposes of computing these ratios, earnings consist of income before income taxes, plus fixed charges. Fixed charges consist of interest expense, the proportion, estimated at one-third, of rental expense deemed representative of interest, and amortization of premiums, discounts and capitalized expenses related to indebtedness.