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Exhibit 12.1
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Nine Months Ended
September 30, Year Ended December 31,
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EXHIBIT 12.1 2000 1999 1999 1998 1997 1996 1995
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<S> <C> <C> <C> <C> <C> <C> <C>
Earnings:
Net income 72,614 109,335 150,949 122,427 114,715 80,622 75,165
Total provision (benefit) for income taxes 43,803 60,137 82,940 65,201 61,049 42,613 37,117
Income before income tax provision (benefit) 116,417 169,472 233,889 187,628 175,764 123,235 112,282
Fixed charges, excluding interest on deposits 144,612 95,336 129,583 133,724 93,955 93,213 72,505
Fixed charges, including interest on deposits 414,671 288,075 398,383 386,769 347,410 307,099 283,361
Adjusted earnings, excluding interest on deposits 261,029 264,808 363,472 321,352 269,719 216,448 184,787
Adjusted earnings, including interest on deposits 531,088 457,547 632,272 574,397 523,174 430,334 395,643
Fixed Charges:
Total interest Expense 414,671 288,075 398,383 386,769 347,410 307,099 283,361
Interest on deposits 270,059 192,739 268,800 253,045 253,455 213,886 210,856
Dividend requirement of preferred stock 712 653 870 791 712 536 2,437
Adjustment to compute pretax preferred dividend 383 352 468 426 383 289 1,312
Fixed charges, excluding interest on deposits 145,707 96,341 130,921 134,941 95,050 94,038 76,254
Fixed charges, including interest on deposits 415,766 289,080 399,721 387,986 348,505 307,924 287,110
Ratio of Earnings to Fixed Charges:
Excluding interest on deposits 1.79 2.75 2.78 2.38 2.84 2.30 2.42
Including interest on deposits 1.28 1.58 1.58 1.48 1.50 1.40 1.38
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