EX-12 9 d278937dex12.htm COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES Computation of Ratios of Earnings to Fixed Charges

Exhibit 12

Consolidated Ratio of Earnings to Fixed Charges

 

     Year Ended December 31,  
     2011     2010      2009      2008      2007  

Excluding interest on deposits

      (1.23 )      1.56         3.99         4.88         3.80   

Including interest on deposits

      0.38        1.20         2.12         2.50         2.12