Exhibit 12.1

	For the Years Ended
	2006		2005		2004		2003		2002
(In Thousands)
Earnings from continuing operations before income taxes	$	33,976		65,929	$	81,507		45,452	$	32,782
Fixed interest charges		174,768		148,250		91,890		116,312		150,451
Earnings (loss):
Including fixed interest charges		208,744		214,179		173,397		161,764		183,233
Excluding interest expense on deposits		149,785		174,095		145,042		125,575		120,456
Fixed interest charges excluding interest expense on deposits		115,809		108,166		63,535		80,123		87,674
Ratios:
Earnings including fixed interest charges to fixed interest charges		1.19		1.44		1.89		1.39		1.22
Earnings to fixed interest excluding interest on deposits		1.29		1.61		2.28		1.57		1.37
Dollar deficiency of earnings to fixed interest charges	$	—		—	$	—		—	$	—