EXHIBIT 12.1

STATEMENT SETTING FORTH COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES

(DOLLARS IN THOUSANDS)

	NINE MONTHS ENDED				YEAR ENDED
	SEPTEMBER 30				DECEMBER 31
	2005		2004		2004		2003		2002		2001		2000
Earnings before taxes, cumulative effect of change in accounting, and extraordinary items	$	1,790,393	$	1,521,291	$	2,069,001	$	1,789,335	$	1,554,630	$	1,332,004	$	877,946
Fixed Charges:
Interest on deposits		1,084,860		679,023		944,493		938,123		1,079,937		1,522,328		1,494,447
Interest on advances and other borrowings		1,150,636		384,327		615,758		381,837		486,803		1,055,952		1,150,925
One-third of rent expense		9,621		8,463		11,495		10,320		9,493		8,794		8,005
Total Fixed Charges	$	2,245,117	$	1,071,813	$	1,571,746	$	1,330,280	$	1,576,233	$	2,587,074	$	2,653,377
Ratio of Earnings to Fixed Charges:
Including interest on deposits		1.80x		2.42x		2.32x		2.35x		1.99x		1.51x		1.33x
Excluding interest on deposits		2.54x		4.87x		4.30x		5.56x		4.13x		2.25x		1.76x