EXHIBIT 12.2

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

	Years ended December 31,
	2012		2011		2010		2009		2008
Excluding interest on deposits		2.60		2.42		2.27		1.97		1.70
Including interest on deposits		2.11		1.95		1.84		1.57		1.34

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,
	2012		2011		2010		2009		2008
Income before income taxes	$	210,375	$	195,217	$	184,935	$	165,406	$	108,274
Interest on deposits	$	57,556	$	68,167	$	74,924	$	118,297	$	163,113
Borrowings and long-term debt		123,756		130,846		139,136		144,573		145,782
1/3 of net rental expense		7,949		7,061		7,046		6,596		5,945
Preferred stock dividends		—		—		—		19,524		2,090
Total fixed charges, including interest on deposits	$	189,261	$	206,074	$	221,106	$	288,990	$	316,930
Total fixed charges, excluding interest on deposits	$	131,705	$	137,907	$	146,182	$	170,693	$	153,817