EXHIBIT 12.1

	Nine Months Ended Sept. 30,				Years Ended December 31,
	2008		2007		2007		2006		2005		2004		2003
EXCLUDING INTEREST ON DEPOSITS:
Pre-tax income from continuing operations, as reported		24,739		114,001		138,213		108,176		90,623		84,095		53,591
Fixed charges		97,288		104,239		140,816		105,838		81,930		71,479		54,276
Earnings		122,027		218,240		279,029		214,014		172,553		155,574		107,867
Interest on short-term borrowings		15,900		26,095		29,956		35,979		35,255		23,787		11,753
Interest on long-term debt, including amortization of debt issuance costs		76,429		73,591		104,048		65,691		44,031		45,675		41,223
Portion of long-term leases representative of the interest factor(1)		4,959		4,553		6,812		4,168		2,644		2,017		1,300
Fixed charges		97,288		104,239		140,816		105,838		81,930		71,479		54,276
Consolidated ratios of earnings to fixed charges, excluding interest on deposits		1.25		2.09		1.98		2.02		2.11		2.18		1.99
INCLUDING INTEREST ON DEPOSITS:
Pre-tax income from continuing operations as reported operations, as reported		24,739		114,001		138,213		108,176		90,623		84,095		53,591
Fixed charges		274,697		310,114		418,430		291,111		173,920		124,962		91,107
Earnings		299,436		424,115		556,643		399,287		264,543		209,057		144,698
Interest on short-term borrowings and deposits		193,309		231,970		307,570		221,252		127,245		77,270		48,584
Interest on long-term debt, including amortization of debt issuance costs		76,429		73,591		104,048		65,691		44,031		45,675		41,223
Portion of long-term leases representative of the interest factor(1)		4,959		4,553		6,812		4,168		2,644		2,017		1,300
Fixed charges		274,697		310,114		418,430		291,111		173,920		124,962		91,107
Consolidated ratios of earnings to fixed charges, excluding interest on deposits		1.09		1.37		1.33		1.37		1.52		1.67		1.59

(1) The interest factor on long-term operating leases presents a reasonable estimate of the interest within rental expense.