EXHIBIT 12.2

Computation of Ratio of Earnings to Fixed Charges Including Preferred Stock Dividends

	Years ended December 31,
	2010		2009		2008		2007		2006
Excluding interest on deposits		2.28		1.99		1.72		2.50		2.56
Including interest on deposits		1.85		1.58		1.35		1.59		1.64

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,
	2010		2009		2008		2007		2006
Income before income taxes	$	186,941	$	167,545	$	110,525	$	204,926	$	203,575
Interest on deposits	$	74,924	$	118,297	$	163,113	$	210,369	$	188,476
Borrowings and long-term debt		139,136		144,573		145,782		132,953		127,774
1/3 of net rental expense		6,378		5,883		5,194		4,031		3,012
Preferred stock dividends		—		19,524		2,090		—		—
Total fixed charges, including interest on deposits	$	220,438	$	288,277	$	316,179	$	347,353	$	319,262
Total fixed charges, excluding interest on deposits	$	145,514	$	169,980	$	153,066	$	136,984	$	130,786