Nine Months Ended
September 30

Years Ended December 31

(dollar amounts in thousands)

2000

1999

1999

1998

1997

1996

1995

 Earnings:

  Income before income taxes

$284,994

$317,252

$428,581

$397,290

$374,711

$314,675

$298,663

  Add back fixed charges

157,400

103,095

141,723

149,285

125,958

92,706

89,757

$442,394

$420,347

$570,304

$546,575

$500,669

$407,381

$388,420

 Fixed charges:

  Interest expense

   (other than interest on
   deposits)

$157,400

$103,095

$141,723

$149,285

$125,958

$92,706

$89,757

  Interest factor in rent expense

--

--

--

--

--

--

--

  Total fixed charges

$157,400

$103,095

$141,723

$149,285

$125,958

$92,706

$89,757

  Preferred stock dividend
   (gross up to pre-tax basis
   based on 34% effective
   tax rate)

841

841

1,121

1,121

1,121

1,424

1,676

  Total fixed charges and
   preferred stock dividend

$158,241

$103,936

$142,844

$150,406

$127,079

$94,130

$91,433

 Ratio of earnings to fixed
  charges, excluding interest
  on deposits

2.81

4.08

4.02

3.66

3.97

4.39

4.33

 Ratio of earnings to fixed
  charges and preferred stock
  dividends, excluding interest
  on deposits

2.80

4.04

3.99

3.63

3.94

4.33

4.25

Including Interest on Deposits

 Earnings:

  Income before income taxes

$284,994

$317,252

$428,581

$397,290

$374,711

$314,675

$298,663

  Add back fixed charges

644,423

510,125

688,245

726,027

722,055

662,873

627,761

$929,417

$827,377

$1,116,826

$1,123,317

$1,096,766

$977,548

$926,424

 Fixed charges:

  Interest expense

$644,423

$510,125

$688,245

$726,027

$722,055

$662,873

$627,761

  Interest factor in rent expense

--

--

--

--

--

--

--

  Total fixed charges

$644,423

$510,125

$688,245

$726,027

$722,055

$662,873

$627,761

  Preferred stock dividend
   (gross up to pre-tax basis
   based on 34% effective
   tax rate)

841

841

1,121

1,121

1,121

1,424

1,676

  Total fixed charges and
   preferred stock dividend

$645,264

$510,966

$689,366

$727,148

$723,176

$664,297

$629,437

 Ratio of earnings to fixed
  charges, including interest
  on deposits

1.44

1.62

1.62

1.55

1.52

1.47

1.48

 Ratio of earnings to fixed
  charges and preferred stock
  dividends, including interest
  on deposits

1.44

1.62

1.62

1.54

1.52

1.47

1.47