EXHIBIT 12

Computation of Ratios of Earnings to Fixed Charges

	2006			2005			2004			2003			2002
	(In thousands)
Income before Income Taxes	$	402,746		$	343,105		$	261,806		$	220,396		$	232,711
Fixed Charges:
Interest Expense		700,318			452,833			280,769			285,660			328,222
1/3 Rent Expense		13,083			12,516			10,656			9,935			8,521
Total Fixed Charges		713,401			465,349			291,425			295,595			336,743
Adjusted Earnings	$	1,116,147		$	808,454		$	553,231		$	515,991		$	569,454
Ratio of Earnings to Fixed Charges		1.56	x		1.74	x		1.90	x		1.75	x		1.69	x
Interest on Deposits	$	469,289		$	273,533		$	148,135		$	142,312		$	186,402
Ratio of Earnings to Fixed Charges excluding interest on deposits		2.65	x		2.79	x		2.83	x		2.44	x		2.55	x