Exhibit 12

Computation of Consolidated Ratios of Earnings to Fixed Charges

	Years ended December 31,
	2008	2007	2006	2005	2004
Excluding interest on deposits	1.73x	2.50x	2.56x	3.17x	3.90x
Including interest on deposits	1.35x	1.59x	1.64x	2.00x	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,
	2008		2007		2006		2005		2004
Income before income taxes	$	110,525	$	204,926	$	203,575	$	230,227	$	228,595
Interest on deposits	$	163,113	$	210,369	$	188,476	$	123,057	$	69,947
Borrowings and long-term debt		145,782		132,953		127,774		103,602		76,660
1/3 of net rental expense		5,194		4,031		3,012		2,652		2,140
Total fixed charges, including interest on deposits	$	314,089	$	347,353	$	319,262	$	229,311	$	148,747
Total fixed charges, excluding interest on deposits	$	150,976	$	136,984	$	130,786	$	106,254	$	78,800