Exhibit 12

Computation of Consolidated Ratios of Earnings to Fixed Charges

	Years ended December 31,
	2007	2006	2005	2004	2003
Excluding interest on deposits	2.50x	2.56x	3.17x	3.90x	3.91x
Including interest on deposits	1.59x	1.64x	2.00x	2.54x	2.54x

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,
	2007		2006		2005		2004		2003
Income before income taxes	$	204,926	$	203,575	$	230,227	$	228,595	$	233,150
Interest on deposits	$	210,369	$	188,476	$	123,057	$	69,947	$	70,966
Borrowings and long-term debt		132,953		127,774		103,602		76,660		77,956
1/3 of net rental expense		4,031		3,012		2,652		2,140		2,183
Total fixed charges, including interest on deposits	$	347,353	$	319,262	$	229,311	$	148,747	$	151,105
Total fixed charges, excluding interest on deposits	$	136,984	$	130,786	$	106,254	$	78,800	$	80,139