| Three Months Ended March 31, | Year Ended December 31, | |||||||||||||||||||||||||||
| 2006 | 2005 | 2005 | 2004 | 2003 | 2002 | 2001 | ||||||||||||||||||||||
| Ratio of Earnings to Fixed Charges: | ||||||||||||||||||||||||||||
| Excluding interest on deposits | 1.75 | 2.26 | 2.07 | 2.04 | 2.51 | 2.32 | 1.84 | |||||||||||||||||||||
| Including interest on deposits | 1.53 | 1.88 | 1.75 | 1.74 | 2.01 | 1.80 | 1.59 | |||||||||||||||||||||
| Earnings excluding interest on deposits | $ | 308,561 | $ | 188,509 | $ | 939,233 | $ | 526,978 | $ | 444,892 | $ | 377,487 | $ | 447,064 | ||||||||||||||
| Fixed Charges excluding interest on deposits | 176,393 | 83,286 | 454,116 | 258,934 | 177,076 | 162,628 | 243,537 | |||||||||||||||||||||
| Earnings including total fixed charges | 382,804 | 224,401 | 1,134,761 | 630,590 | 532,720 | 482,675 | 545,845 | |||||||||||||||||||||
| Fixed Charges including interest on deposits | 250,636 | 119,178 | 649,644 | 362,546 | 264,904 | 267,816 | 342,318 | |||||||||||||||||||||
