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|                                                                                  |   | Year Ending December 31, |    |
|---------------------------------------------------------------------------------------|--------|--------------------------|---------|
|                                                                                  |   | 2010                     |    |   | 2009 |   |   | 2008 |   |   | 2007 |   |   | 2006 |   |
|                                                                                  |   | (Dollars in thousands)   |    |
| Income (loss) before tax                                                              |   | $                        | 255,909 |   |   | $ | 104,722 |   |   | $ | (97,168 | ) |   | $ | 262,259 |   |   | $ | 233,781 |   |
| Fixed charges                                                                         |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest expense                                                                      |   |                     | 84,380  |   |   |   | 107,652 |   |   |   | 131,634 |   |   |   | 124,578 |   |   |   | 92,303 |   |
| Estimate of interest within rental expense                                            |   |                     | 7,744   |   |   |   | 5,014 |   |   |   | 3,574 |   |   |   | 3,545 |   |   |   | 3,022 |   |
| Preferred dividends                                                                   |   |                     | 34,340  |   |   |   | 24,784 |   |   |   | 17,928 |   |   |   | — |   |   |   | — |   |
| Fixed charges and preferred dividend, excluding interest on deposits                  |   | $                        | 126,464 |   |   | $ | 137,450 |   |   | $ | 153,136 |   |   | $ | 128,123 |   |   | $ | 95,325 |   |
| Interest on deposits                                                                  |   |                     | 116,737 |   |   |   | 129,477 |   |   |   | 178,060 |   |   |   | 241,035 |   |   |   | 200,265 |   |
| Fixed charges and preferred dividend, including interest on deposits                  |   | $                        | 243,201 |   |   | $ | 266,927 |   |   | $ | 331,196 |   |   | $ | 369,158 |   |   | $ | 295,590 |   |
|                                                                                  |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total earnings, fixed charges and preferred dividends, excluding interest on deposits |   |                     | 382,373 |   |   |   | 242,172 |   |   |   | 55,968 |   |   |   | 390,382 |   |   |   | 329,106 |   |
| Total earnings, fixed charges and preferred dividends, including interest on deposits |   |                     | 499,110 |   |   |   | 371,649 |   |   |   | 234,028 |   |   |   | 631,417 |   |   |   | 529,371 |   |
| Ratio of Earnings to Fixed Charges and Preferred Dividends                            |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Excluding interest on deposits                                                        |   |                     | 3.02    |   |   |   | 1.76 |   |   |   | 0.37 |   |   |   | 3.05 |   |   |   | 3.45 |   |
| Including interest on deposits                                                        |   |                     | 2.05    |   |   |   | 1.39 |   |   |   | 0.71 |   |   |   | 1.71 |   |   |   | 1.79 |   |

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