Exhibit



	Nine Months Ended September 30,			Year Ended December 31,
	2015			2014			2013			2012			2011			2010
Earnings:
Income before income taxes	$	213,012		$	248,207		$	199,943		$	132,417		$	70,200		$	64
Fixed charges, excluding interest on deposits	15,403			27,699			30,462			24,289			23,947			32,931
Earnings before fixed charges, excluding interest on deposits	228,415			275,906			230,405			156,706			94,147			32,995
Interest on deposits	34,742			41,951			40,713			42,814			50,072			74,037
Earnings before fixed charges, including interest on deposits	$	263,157		$	317,857		$	271,118		$	199,520		$	144,219		$	107,032
Fixed Charges:
Interest expense, excluding interest on deposits	$	15,403		$	27,699		$	30,462		$	24,289		$	23,947		$	32,931
Interest on deposits	34,742			41,951			40,713			42,814			50,072			74,037
Total fixed charges, including interest on deposits	$	50,145		$	69,650		$	71,175		$	67,103		$	74,019		$	106,968
Fixed Charges and Preferred Stock Dividends:
Interest expense, excluding interest on deposits	$	15,403		$	27,699		$	30,462		$	24,289		$	23,947		$	32,931
Preferred stock dividends	—			—			—			13,368			13,690			13,607
Total fixed charges and preferred stock dividends, excluding interest on deposits	15,403			27,699			30,462			37,657			37,637			46,538
Interest on deposits	34,742			41,951			40,713			42,814			50,072			74,037
Total fixed charges and preferred stock dividends, including interest on deposits	$	50,145		$	69,650		$	71,175		$	80,471		$	87,709		$	120,575
Ratio of Earnings to Fixed Charges:
Excluding interest on deposits	14.83		x	9.96		x	7.56		x	6.45		x	3.93		x	1.00		x
Including interest on deposits	5.25		x	4.56		x	3.81		x	2.97		x	1.95		x	1.00		x
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends:
Excluding interest on deposits	14.83		x	9.96		x	7.56		x	4.16		x	2.50		x	(a)
Including interest on deposits	5.25		x	4.56		x	3.81		x	2.48		x	1.64		x	(a)
(a) Ratios for the period indicated was less than one, as earnings were inadequate to cover fixed charges. The dollar amount of the coverage deficiency for such period was $13.5 million. The amount is the same whether including or excluding interest on deposits.