EXHIBIT (12)

Computation of Consolidated Ratios of Earnings to Fixed Charges

	Years ended December 31,
	2005		2004		2003		2002		2001
Excluding interest on deposits		3.17x		3.90x		3.91x		3.99x		4.04x
Including interest on deposits		2.00x		2.54x		2.54x		2.25x		1.89x
Note:        The ratio of earnings to fixed charges is calculated by adding income before income taxes plus fixed charges and dividing that sum by fixed charges.
	Years ended December 31,
	2005		2004		2003		2002		2001
Income before income taxes	$	230,227	$	228,595	$	233,150	$	219,296	$	199,355
Interest on deposits	$	123,057	$	69,947	$	70,966	$	101,950	$	158,159
Borrowings and long-term debt		103,602		76,660		77,956		71,503		62,776
1/3 of net rental expense		2,652		2,140		2,183		1,757		2,722
Total fixed charges, including interest on deposits	$	229,311	$	148,747	$	151,105	$	175,210	$	223,657
Total fixed charges, excluding interest on deposits	$	106,254	$	78,800	$	80,139	$	73,260	$	65,498