EXHIBIT 12.2

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

	Years ended December 31,
	2013		2012		2011		2010		2009
Excluding interest on deposits		2.41		2.60		2.42		2.27		1.97
Including interest on deposits		2.02		2.11		1.95		1.84		1.57

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,
	2013		2012		2011		2010		2009
Income before income taxes	$	178,940	$	210,375	$	195,217	$	184,935	$	165,406
Interest on deposits	$	47,791	$	57,556	$	68,167	$	74,924	$	118,297
Borrowings and long-term debt		120,586		123,756		130,846		139,136		144,573
1/3 of net rental expense		6,631		7,949		7,061		7,046		6,596
Preferred stock dividends		—		—		—		—		19,524
Total fixed charges, including interest on deposits	$	175,008	$	189,261	$	206,074	$	221,106	$	288,990
Total fixed charges, excluding interest on deposits	$	127,217	$	131,705	$	137,907	$	146,182	$	170,693