Exhibit 12.1

	For the Years Ended
(In Thousands)	2004		2003		2002		2001		2000
Earnings from continuing operations before income taxes	$	110,678		62,021	$	28,201	$	40,490	$	32,160
Fixed interest charges		97,957		123,059		157,229		192,765		212,269
Earnings (loss):
Including fixed interest charges		208,635		185,080		185,430		233,255		244,429
Excluding interest expense on deposits		180,280		148,891		122,653		147,587		152,706
Fixed interest charges excluding interest expense on deposits		69,602		86,870		94,452		107,097		120,546
Ratios:
Earnings including fixed interest charges to fixed interest charges		2.13		1.50		1.18		1.21		1.15
Earnings to fixed interest excluding interest on deposits		2.59		1.71		1.30		1.38		1.27
Dollar deficiency of earnings to fixed interest charges	$	—		—	$	—	$	—	$	—