EXHIBIT 12

RATIOS OF EARNINGS TO FIXED CHARGES

AND EARNINGS TO FIXED CHARGES AND PREFERRED DIVIDENDS

The following table sets forth certain information regarding our consolidated ratios of earnings to fixed charges and earnings to fixed charges and preferred stock dividends. Fixed charges represent interest expense, a portion of rent expense representative of interest, trust-preferred securities related expense and amortization of debt issuance costs.

(In thousands, except ratio amounts)	Year Ended December 31,
	2008			2007		2006		2005		2004
Fixed Charges:
Interest expense excluding deposits	$	281,993		346,022		303,689		195,169		143,447
Portion of rents representative of an interest factor		19,093		17,994		17,182		13,871		13,528
Fixed charges excluding interest on deposits		301,086		364,016		320,871		209,040		156,975
Interest on deposits		720,260		977,352		749,708		353,737		187,195
Fixed charges including interest on deposits	$	1,021,346		1,341,368		1,070,579		562,777		344,170
Fixed Charges and Preferred Stock Dividends:
Interest expense excluding deposits	$	281,993		346,022		303,689		195,169		143,447
Portion of rents representative of an interest factor		19,093		17,994		17,182		13,871		13,528
Preferred stock dividend requirements		24,424		21,157		5,927		—		—
Fixed charges and preferred stock dividends excluding interest on deposits		325,511		385,173		326,798		209,040		156,975
Interest on deposits		720,260		977,352		749,708		353,737		187,195
Fixed charges and preferred stock dividends including interest on deposits	$	1,045,771		1,362,525		1,076,506		562,777		344,170
Earnings:
Income from continuing operations before income taxes	$	(314,698	)	737,498		912,924		741,887		624,391
Equity in undistributed earnings of unconsolidated subsidiaries		(10,105	)	(11,731	)	(5,800	)	(7,161	)	(6,943	)
Fixed charges excluding interest on deposits		301,086		364,016		320,871		209,040		156,975
Earnings excluding interest on deposits		(23,717	)	1,089,783		1,227,995		943,766		774,423
Interest on deposits		720,260		977,352		749,708		353,737		187,195
Earnings including interest on deposits	$	696,543		2,067,135		1,977,703		1,297,503		961,618
Ratio of earnings to fixed charges:
Excluding interest on deposits		(0.08	)	2.99		3.83		4.51		4.93
Including interest on deposits		0.68		1.54		1.85		2.31		2.79
Ratio of earnings to fixed charges and preferred stock dividends:
Excluding interest on deposits		(0.07	)	2.83		3.76		4.51		4.93
Including interest on deposits		0.67		1.52		1.84		2.31		2.79