##### 



EXHIBIT 12.1
 Date
    
    Shareholders' Equity
    
    
    Number of Days
    
    
    YTD Weighted Average01/01/2007
    
    
    783,416,087
    
    
    
    1
    
    
    
    783,416,08701/03/2007
    
    
    783,801,429
    
    
    
    2
    
    
    
    1,567,602,85901/10/2007
    
    
    783,801,632
    
    
    
    7
    
    
    
    5,486,611,42301/12/2007
    
    
    783,991,042
    
    
    
    2
    
    
    
    1,567,982,08401/15/2007
    
    
    791,697,589
    
    
    
    3
    
    
    
    2,375,092,76701/17/2007
    
    
    791,706,700
    
    
    
    2
    
    
    
    1,583,413,39901/19/2007
    
    
    791,712,273
    
    
    
    2
    
    
    
    1,583,424,54701/26/2007
    
    
    791,762,037
    
    
    
    7
    
    
    
    5,542,334,26101/30/2007
    
    
    791,836,177
    
    
    
    4
    
    
    
    3,167,344,70601/31/2007
    
    
    791,969,892
    
    
    
    1
    
    
    
    791,969,89202/01/2007
    
    
    792,090,612
    
    
    
    1
    
    
    
    792,090,61202/02/2007
    
    
    793,194,679
    
    
    
    5
    
    
    
    3,965,973,39602/07/2007
    
    
    793,205,092
    
    
    
    1
    
    
    
    793,205,09202/08/2007
    
    
    793,254,868
    
    
    
    4
    
    
    
    3,173,019,47302/12/2007
    
    
    793,325,652
    
    
    
    1
    
    
    
    793,325,65202/13/2007
    
    
    793,340,872
    
    
    
    1
    
    
    
    793,340,87202/14/2007
    
    
    793,356,329
    
    
    
    1
    
    
    
    793,356,32902/15/2007
    
    
    799,267,729
    
    
    
    6
    
    
    
    4,795,606,37402/21/2007
    
    
    799,277,909
    
    
    
    5
    
    
    
    3,996,389,54502/26/2007
    
    
    799,308,350
    
    
    
    2
    
    
    
    1,598,616,70002/28/2007
    
    
    799,438,384
    
    
    
    1
    
    
    
    799,438,38403/01/2007
    
    
    1,102,254,777
    
    
    
    1
    
    
    
    1,102,254,77703/02/2007
    
    
    1,102,374,987
    
    
    
    3
    
    
    
    3,307,124,96003/05/2007
    
    
    1,102,389,659
    
    
    
    1
    
    
    
    1,102,389,65903/06/2007
    
    
    1,102,413,128
    
    
    
    1
    
    
    
    1,102,413,12803/07/2007
    
    
    1,102,461,187
    
    
    
    1
    
    
    
    1,102,461,18703/08/2007
    
    
    1,102,533,405
    
    
    
    5
    
    
    
    5,512,667,02403/13/2007
    
    
    1,102,588,708
    
    
    
    1
    
    
    
    1,102,588,70803/14/2007
    
    
    1,102,677,405
    
    
    
    1
    
    
    
    1,102,677,40503/15/2007
    
    
    1,112,178,188
    
    
    
    13
    
    
    
    14,458,316,43903/28/2007
    
    
    1,112,178,444
    
    
    
    1
    
    
    
    1,112,178,44403/29/2007
    
    
    1,113,211,087
    
    
    
    1
    
    
    
    1,113,211,08703/30/2007
    
    
    1,113,291,196
    
    
    
    1
    
    
    
    1,113,291,19603/31/2007
    
    
    1,113,729,850
    
    
    
    1
    
    
    
    1,113,729,85004/01/2007
    
    
    1,113,729,850
    
    
    
    5
    
    
    
    5,568,649,25104/06/2007
    
    
    1,113,736,031
    
    
    
    5
    
    
    
    5,568,680,15304/11/2007
    
    
    1,113,756,026
    
    
    
    4
    
    
    
    4,455,024,10204/15/2007
    
    
    1,122,047,268
    
    
    
    3
    
    
    
    3,366,141,80404/18/2007
    
    
    1,122,071,436
    
    
    
    2
    
    
    
    2,244,142,87204/20/2007
    
    
    1,122,082,571
    
    
    
    7
    
    
    
    7,854,577,99804/27/2007
    
    
    1,122,138,641
    
    
    
    3
    
    
    
    3,366,415,92404/30/2007
    
    
    1,122,370,192
    
    
    
    1
    
    
    
    1,122,370,19205/01/2007
    
    
    1,122,370,192
    
    
    
    1
    
    
    
    1,122,370,19205/02/2007
    
    
    1,122,384,712
    
    
    
    2
    
    
    
    2,244,769,42405/04/2007
    
    
    1,122,393,388
    
    
    
    5
    
    
    
    5,611,966,93805/09/2007
    
    
    1,122,396,669
    
    
    
    6
    
    
    
    6,734,380,01105/15/2007
    
    
    1,131,288,279
    
    
    
    1
    
    
    
    1,131,288,27905/16/2007
    
    
    1,131,289,722
    
    
    
    1
    
    
    
    1,131,289,72205/17/2007
    
    
    1,131,314,082
    
    
    
    1
    
    
    
    1,131,314,08205/18/2007
    
    
    1,131,322,004
    
    
    
    5
    
    
    
    5,656,610,02005/23/2007
    
    
    1,131,361,684
    
    
    
    1
    
    
    
    1,131,361,68405/24/2007
    
    
    1,131,368,372
    
    
    
    1
    
    
    
    1,131,368,37205/25/2007
    
    
    1,131,368,876
    
    
    
    6
    
    
    
    6,788,213,25805/31/2007
    
    
    1,131,578,753
    
    
    
    1
    
    
    
    1,131,578,75306/01/2007
    
    
    1,131,584,600
    
    
    
    3
    
    
    
    3,394,753,80006/04/2007
    
    
    1,131,588,781
    
    
    
    2
    
    
    
    2,263,177,56206/06/2007
    
    
    1,131,590,294
    
    
    
    2
    
    
    
    2,263,180,58706/08/2007
    
    
    1,131,624,812
    
    
    
    5
    
    
    
    5,658,124,05806/13/2007
    
    
    1,131,705,191
    
    
    
    1
    
    
    
    1,131,705,19106/14/2007
    
    
    1,131,756,611
    
    
    
    1
    
    
    
    1,131,756,61106/15/2007
    
    
    1,141,825,631
    
    
    
    5
    
    
    
    5,709,128,15506/20/2007
    
    
    1,141,825,753
    
    
    
    2
    
    
    
    2,283,651,50606/22/2007
    
    
    1,142,095,942
    
    
    
    6
    
    
    
    6,852,575,65306/28/2007
    
    
    1,142,119,657
    
    
    
    1
    
    
    
    1,142,119,65706/29/2007
    
    
    1,122,171,774
    
    
    
    2
    
    
    
    2,244,343,548




---



##### 



EXHIBIT 12.1, Continued
 Date
    
    Shareholders' Equity
    
    
    Number of Days
    
    
    YTD Weighted Average07/01/2007
    
    
    1,122,171,774
    
    
    
    10
    
    
    
    11,221,717,74007/11/2007
    
    
    1,122,195,287
    
    
    
    2
    
    
    
    2,244,390,57507/13/2007
    
    
    1,122,245,340
    
    
    
    2
    
    
    
    2,244,490,67907/15/2007
    
    
    1,130,659,890
    
    
    
    3
    
    
    
    3,391,979,66907/18/2007
    
    
    1,130,660,538
    
    
    
    7
    
    
    
    7,914,623,76707/25/2007
    
    
    1,130,660,671
    
    
    
    2
    
    
    
    2,261,321,34207/27/2007
    
    
    1,130,780,776
    
    
    
    4
    
    
    
    4,523,123,10307/31/2007
    
    
    1,130,909,623
    
    
    
    1
    
    
    
    1,130,909,62308/01/2007
    
    
    1,130,909,858
    
    
    
    9
    
    
    
    10,178,188,71808/10/2007
    
    
    1,130,986,542
    
    
    
    5
    
    
    
    5,654,932,70808/15/2007
    
    
    1,139,877,276
    
    
    
    2
    
    
    
    2,279,754,55308/17/2007
    
    
    1,139,895,335
    
    
    
    7
    
    
    
    7,979,267,34608/24/2007
    
    
    1,139,975,466
    
    
    
    3
    
    
    
    3,419,926,39908/27/2007
    
    
    1,140,204,216
    
    
    
    3
    
    
    
    3,420,612,64708/30/2007
    
    
    1,140,337,191
    
    
    
    2
    
    
    
    2,280,674,38209/01/2007
    
    
    1,140,337,191
    
    
    
    6
    
    
    
    6,842,023,14609/07/2007
    
    
    1,140,722,809
    
    
    
    5
    
    
    
    5,703,614,04509/12/2007
    
    
    1,140,723,245
    
    
    
    3
    
    
    
    3,422,169,73609/15/2007
    
    
    1,149,948,146
    
    
    
    4
    
    
    
    4,599,792,58509/19/2007
    
    
    1,150,078,966
    
    
    
    2
    
    
    
    2,300,157,93309/21/2007
    
    
    1,150,156,408
    
    
    
    4
    
    
    
    4,600,625,63109/25/2007
    
    
    1,145,675,858
    
    
    
    3
    
    
    
    3,437,027,57309/28/2007
    
    
    1,145,733,987
    
    
    
    2
    
    
    
    2,291,467,97309/30/2007
    
    
    1,158,717,967
    
    
    
    1
    
    
    
    1,158,717,96710/01/2007
    
    
    1,158,717,967
    
    
    
    4
    
    
    
    4,634,871,86710/05/2007
    
    
    1,158,794,585
    
    
    
    5
    
    
    
    5,793,972,92510/10/2007
    
    
    1,158,819,867
    
    
    
    5
    
    
    
    5,794,099,33610/15/2007
    
    
    1,166,677,997
    
    
    
    2
    
    
    
    2,333,355,99410/17/2007
    
    
    1,166,678,298
    
    
    
    2
    
    
    
    2,333,356,59510/19/2007
    
    
    1,166,751,575
    
    
    
    10
    
    
    
    11,667,515,74810/29/2007
    
    
    1,166,770,906
    
    
    
    2
    
    
    
    2,333,541,81210/31/2007
    
    
    1,166,903,881
    
    
    
    1
    
    
    
    1,166,903,88111/01/2007
    
    
    1,166,920,998
    
    
    
    1
    
    
    
    1,166,920,99811/02/2007
    
    
    1,166,994,678
    
    
    
    3
    
    
    
    3,500,984,03411/05/2007
    
    
    1,166,999,947
    
    
    
    2
    
    
    
    2,333,999,89311/07/2007
    
    
    1,167,000,457
    
    
    
    7
    
    
    
    8,169,003,20111/14/2007
    
    
    1,167,010,661
    
    
    
    1
    
    
    
    1,167,010,66111/15/2007
    
    
    1,174,847,526
    
    
    
    1
    
    
    
    1,174,847,52611/16/2007
    
    
    1,174,926,078
    
    
    
    5
    
    
    
    5,874,630,38911/21/2007
    
    
    1,174,926,583
    
    
    
    7
    
    
    
    8,224,486,07811/28/2007
    
    
    1,174,927,083
    
    
    
    2
    
    
    
    2,349,854,16611/30/2007
    
    
    1,175,135,696
    
    
    
    1
    
    
    
    1,175,135,69612/01/2007
    
    
    1,175,135,696
    
    
    
    11
    
    
    
    12,926,492,65512/12/2007
    
    
    1,175,136,103
    
    
    
    2
    
    
    
    2,350,272,20512/14/2007
    
    
    1,175,225,961
    
    
    
    1
    
    
    
    1,175,225,96112/15/2007
    
    
    1,176,404,524
    
    
    
    4
    
    
    
    4,705,618,09412/19/2007
    
    
    1,176,404,631
    
    
    
    7
    
    
    
    8,234,832,41912/26/2007
    
    
    1,176,404,959
    
    
    
    2
    
    
    
    2,352,809,91712/28/2007
    
    
    1,176,604,459
    
    
    
    3
    
    
    
    3,529,813,37712/31/2007
    
    
    1,185,329,526
    
    
    
    1
    
    
    
    1,185,329,526Cumulative total
    
    
    
    
    
    
    365
    
    
    
    395,812,282,471Divide by number of days
    
    
    
    
    
    
    
    
    
    
    365Average shareholders equity
    
    
    
    
    
    
    1,084,417,212Net income available to shares outstanding
    
    
    
    
    
    $
    93,288,520Return on average shareholders equity (annualized)
    
    
    8.60
    %