Exhibit 12.1

Computation of Ratios of Earnings to Fixed Charges

Six Months Ended June 30,

Years Ended December 31,

2013

2012

2012

2011

2010

2009

2008

Excluding interest on deposits

2.39x

2.48x

2.60x

2.42x

2.27x

2.09x

1.71x

Including interest on deposits

2.00x

2.02x

2.11x

1.95x

1.84x

1.61x

1.34x

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.

	Six Months Ended June 30,				Years Ended December 31,
	2013		2012		2012		2011		2010		2009		2008
(In thousands)
Income before income taxes	$	89,007	$	96,995	$	210,375	$	195,217	$	184,935	$	165,406	$	108,274
Interest on deposits	$	24,976	$	29,505	$	57,556	$	68,167	$	74,924	$	118,297	$	163,113
Borrowings and long-term debt		60,504		61,959		123,756		130,846		139,136		144,573		145,782
1/3 of net rental expense		3,753		3,709		7,949		7,061		7,046		6,596		5,945
Total fixed charges, including interest on deposits	$	89,233	$	95,173	$	189,261	$	206,074	$	221,106	$	269,466	$	314,840
Total fixed charges, excluding interest on deposits	$	64,257	$	65,668	$	131,705	$	137,907	$	146,182	$	151,169	$	151,727