EXHIBIT 12

Computation of Ratios of Earnings to Fixed Charges

	2005			2004			2003			2002			2001
	(In thousands)
Income before Income Taxes	$	343,105		$	261,806		$	220,396		$	232,711		$	191,897
Fixed Charges:
Interest Expense		452,833			280,769			285,660			328,222			480,238
1/3 Rent Expense		12,516			10,656			9,935			8,521			6,438
Total Fixed Charges		465,349			291,425			295,595			336,743			486,676
Adjusted Earnings	$	808,454		$	553,231		$	515,991		$	569,454		$	678,575
Ratio of Earnings to Fixed Charges		1.74	x		1.90	x		1.75	x		1.69	x		1.39	x
Interest or Deposits	$	273,533		$	148,135		$	142,312		$	186,402		$	323,499
Ratio of Earnings to Fixed Charges excluding interest on deposits		2.79	x		2.83	x		2.44	x		2.55	x		2.18	x

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