Exhibit 12(b)

Consolidated Ratios of Earnings to Fixed Charges and Preferred Stock Dividends

(Dollars in thousands)	2013			2012			2011			2010			2009
Earnings(1) :
Income (loss) before income tax expense (benefit)	$	243,045		$	(339,555	)	$	178,828		$	244,415		$	143,670
Fixed charges		103,849			125,219			249,743			282,456			365,516
Preferred stock dividends(4)		(30,123	)		(8,838	)		–			–			(28,140	)
Other adjustments(2)		(6,920	)		(6,070	)		(4,874	)		(3,381	)		125
Total earnings (loss) (a)	$	309,851		$	(229,244	)	$	423,697		$	523,490		$	481,171
Fixed charges and preferred stock dividends(1):
Interest on deposits	$	36,604		$	40,897		$	45,108		$	61,229		$	122,112
Interest on borrowings		25,312			63,617			193,155			209,446			203,063
Interest portion of rental expense(3)		11,785			11,847			11,462			11,560			11,781
Preferred stock dividends(4)		30,123			8,838			–			–			28,140
Other adjustments(5)		25			20			18			221			420
Total fixed charges and preferred stock dividends (b)	$	103,849		$	125,219		$	249,743		$	282,456		$	365,516
Ratio of earnings to fixed charges and preferred stock dividends (a/b)(7)		2.98	x		–			1.70	x		1.85	x		1.32	x
Earnings, excluding interest on deposits:
Total earnings (loss)	$	309,851		$	(229,244	)	$	423,697		$	523,490		$	481,171
Less interest on deposits		36,604			40,897			45,108			61,229			122,112
Total earnings (loss) excluding interest on deposits (c)	$	273,247		$	(270,141	)	$	378,589		$	462,261		$	359,059
Fixed charges and preferred stock dividends, excluding interest on deposits:
Total fixed charges and preferred stock dividends	$	103,849		$	125,219		$	249,743		$	282,456		$	365,516
Less interest on deposits		36,604			40,897			45,108			61,229			122,112
Total fixed charges and preferred stock dividends, excluding interest on deposits (d)	$	67,245		$	84,322		$	204,635		$	221,227		$	243,404
Ratio of earnings to fixed charges and preferred stock dividends, excluding interest on deposits (c/d)(6)(7)		4.06	x		–			1.85	x		2.09	x		1.48	x

⁽¹⁾

As defined in Item 503(d) of Regulation S-K

⁽²⁾

For purposes of the "earnings" computation, other adjustments include adding the amortization of capitalized interest and subtracting interest capitalized.

⁽³⁾

The appropriate portion of rental expense (generally one-third) deemed representative of the interest factor.

⁽⁴⁾

Preferred stock dividends represents the pre-tax earnings that would be required to cover such dividend requirements.

⁽⁵⁾

For purposes of the "fixed charges" computation, other adjustments include capitalized interest costs.

⁽⁶⁾

The ratio of earnings to fixed charges and preferred stock dividends, excluding interest on deposits, is being provided as an additional measure to provide comparability to the ratios disclosed by all other issuers of debt securities.

⁽⁷⁾

Earnings for the period ended December 31, 2012 were inadequate to cover fixed charges and preferred stock dividends. Additional earnings of $354.5 million would have been needed to bring both the ratio of earnings to fixed charges and preferred stock dividends and the ratio of earnings to fixed charges and preferred stock dividends, excluding interest on deposits, to 1.0.