EXHIBIT (12)

Computation of Consolidated Ratios of Earnings to Fixed Charges

	Years ended December 31,
	2006	2005	2004	2003	2002
Excluding interest on deposits	2.56x	3.17x	3.90x	3.91x	3.99x
Including interest on deposits	1.64x	2.00x	2.54x	2.54x	2.25x

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,
	2006		2005		2004		2003		2002
Income before income taxes	$	203,575	$	230,227	$	228,595	$	233,150	$	219,296
Interest on deposits	$	188,476	$	123,057	$	69,947	$	70,966	$	101,950
Borrowings and long-term debt		127,774		103,602		76,660		77,956		71,503
1/3 of net rental expense		3,012		2,652		2,140		2,183		1,757
Total fixed charges, including interest on deposits	$	319,262	$	229,311	$	148,747	$	151,105	$	175,210
Total fixed charges, excluding interest on deposits	$	130,786	$	106,254	$	78,800	$	80,139	$	73,260