Exhibit 12.1
Consolidated Ratios of Earnings to Fixed Charges
| Six Months Ended June 30, | Year Ended December 31, | ||||||||||||||||||||||
| 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | ||||||||||||||||||
| Excluding interest on deposits | 12.1 | x | 15.4 | x | 12.1 | x | 7.1 | x | 4.7 | x | 4.6 | x | |||||||||||
| Including interest on deposits | 5.0 | x | 4.7 | x | 4.1 | x | 2.7 | x | 1.9 | x | 1.5 | x | |||||||||||
