EXHIBIT 12.1

Computation of Ratios of Earnings to Fixed Charges
	Three Months Ended March 31,				Years ended December 31,
	2013		2012		2012		2011		2010		2009		2008
Excluding interest on deposits		2.38		2.51		2.60		2.42		2.27		2.09		1.71
Including interest on deposits		1.98		2.03		2.11		1.95		1.84		1.61		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.

	Three Months Ended March 31,				Years ended December 31,
	2013		2012		2012		2011		2010		2009		2008
(In thousands)
Income before income taxes	$	44,124	$	49,809	$	210,375	$	195,217	$	184,935	$	165,406	$	108,274
Interest on deposits	$	12,813	$	15,539	$	57,556	$	68,167	$	74,924	$	118,297	$	163,113
Borrowings and long-term debt		30,184		31,138		123,756		130,846		139,136		144,573		145,782
1/3 of net rental expense		1,898		1,904		7,949		7,061		7,046		6,596		5,945
Total fixed charges, including
interest on deposits	$	44,895	$	48,581	$	189,261	$	206,074	$	221,106	$	269,466	$	314,840
Total fixed charges, excluding
interest on deposits	$	32,082	$	33,042	$	131,705	$	137,907	$	146,182	$	151,169	$	151,727