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EXHIBIT 12.0
STATEMENT RE: RATIO OF EARNINGS TO FIXED CHARGES
Years Ended December 31, | |||||||||
(dollars in thousands)
| 2005 | 2004 | 2003 | ||||||
Including Interest on Deposits: | |||||||||
Earnings before income taxes | $ | 444,714 | $ | 531,968 | $ | 492,682 | |||
Combined fixed charges: | |||||||||
Interest expense on deposits | 202,823 | 90,389 | 64,231 | ||||||
Interest expense on borrowings | 380,828 | 300,513 | 179,954 | ||||||
Appropriate portion (1/3) of rent expenses | 5,370 | 4,565 | 2,975 | ||||||
Total fixed charges | $ | 589,021 | $ | 395,467 | $ | 247,160 | |||
Earnings before income taxes and fixed charges | $ | 1,033,735 | $ | 927,435 | $ | 739,842 | |||
Ratio of earnings to fixed charges | 1.76x | 2.35x | 2.99x | ||||||
Excluding Interest on Deposits: | |||||||||
Earnings before income taxes | $ | 444,714 | $ | 531,968 | $ | 492,682 | |||
Combined fixed charges: | |||||||||
Interest expense on borrowings | 380,828 | 300,513 | 179,954 | ||||||
Appropriate portion (1/3) of rent expenses | 5,370 | 4,565 | 2,975 | ||||||
Total fixed charges | $ | 386,198 | $ | 305,078 | $ | 182,929 | |||
Earnings before income taxes and fixed charges | $ | 830,912 | $ | 837,046 | $ | 675,611 | |||
Ratio of earnings to fixed charges | 2.15x | 2.74x | 3.69x | ||||||