Exhibit 12.1

Computation of Consolidated Ratio of Earnings to Fixed Charges and Consolidated Ratio of Earnings to Combined Fixed Charges and Preferred Stock Dividends

	Three Months
	Ended								Restated		Restated
	March 31, 2008		2007		2006		2005		2004		2003
FIXED CHARGES:
Interest Expense on Deposits		29,736		183,113		172,584		138,862		122,263		147,060
Interest Expense on Other Borrowings		14,608		59,064		66,412		67,225		63,100		67,347
Building Rent		6,207		13,549		3,952		4,586		5,331		5,059
Equipment Rent		235		990		1,146		1,584		1,925		1,781
Total Blding and Equip Rent		6,442		14,539		5,098		6,170		7,256		6,840
Rental Expense 66.67%		4,295		9,693		3,399		4,114		4,838		4,560
Imputed Interest Expense 33.33%		2,147		4,846		1,699		2,056		2,418		2,280
Interest Capitalized		—		—		—		—		1,566		1,229
Fixed Charges Excluding Interest on Deposits		16,755		63,910		68,111		69,281		67,084		70,856
Fixed Charges Including Interest on Deposits		46,491		247,023		240,695		208,143		189,347		217,916
EARNINGS:
Net Income from Continuing Operations before Taxes		13,825		92,213		94,947		93,843		62,842		67,432
Plus: Fixed Charges Excluding Interest on Deposits		16,755		63,910		68,111		69,281		67,084		70,856
Less: Interest Capitalized		—		—		—		—		1,566		1,229
		30,580		156,123		163,058		163,124		128,360		137,059
EARNINGS:
Net Income from Continuing Operations before Taxes		13,825		92,213		94,947		93,843		62,842		67,432
Plus: Fixed Charges Including Interest on Deposits		46,491		247,023		240,695		208,143		189,347		217,916
Less: Interest Capitalized		—		—		—		—		1,566		1,229
		60,316		339,236		335,642		301,986		250,623		284,119
CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES:
Excluding Interest on Deposits		1.83		2.44		2.39		2.35		1.91		1.93
Including Interest on Deposits		1.30		1.37		1.39		1.45		1.32		1.30
CONSOLIDATED RATIO OF EARNINGS TO COMBINED FIXED CHARGES AND PREFERRED STOCK DIVIDENDS:
Excluding Interest on Deposits		1.83		2.44		2.39		2.35		1.91		1.93
Including Interest on Deposits		1.30		1.37		1.39		1.45		1.32		1.30