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Exhibit 12

RATIO OF EARNINGS TO FIXED CHARGES
AND PREFERRED STOCK DIVIDEND REQUIREMENT

	Years Ended December 31,
(dollars in thousands)	2012		2011		2010		2009		2008
Earnings:
Income before income taxes	$	56,172	$	38,289	$	25,755	$	16,384	$	11,551
Fixed charges, excluding preferred stock dividend requirement		14,414		20,077		19,832		24,809		23,676
Total earnings including fixed charges(a)	$	70,586	$	58,366	$	45,587	$	41,193	$	35,227
Fixed charges:
Interest on deposits	$	12,057	$	17,248	$	16,886	$	20,956	$	19,543
Interest on customer repurchase agreements and federal funds purchased		325		685		731		957		1,406
Interest on short-term borrowings		3		—		27		611		546
Interest on long-term borrowings deposits		2,029		2,144		2,188		2,285		2,181
Preferred stock dividend requirements (pre-tax)		—		2,356		2,009		3,628		275
Total fixed charges(b)	$	14,414	$	22,433	$	21,841	$	28,437	$	23,951
Ratio of earnings to fixed charges and preferred stock dividend requirement (pre-tax)(a/b)		4.90x		2.60x		2.09x		1.45x		1.47x
Earnings, excluding interest on deposits:
Total earnings including fixed charges	$	70,586	$	58,366	$	45,587	$	41,193	$	35,227
Less interest on deposits		12,057		17,248		16,886		20,956		19,543
Total earnings excluding interest on deposits(c)	$	58,529	$	41,118	$	28,701	$	20,237	$	15,684
Fixed charges, excluding interest on deposits:
Total fixed charges	$	14,414	$	22,433	$	21,841	$	28,437	$	23,951
Less interest on deposits		12,057		17,248		16,886		20,956		19,543
Total fixed charges, excluding interest on deposits(d)	$	2,357	$	5,185	$	4,955	$	7,481	$	4,408
Ratio of earnings to fixed charges and preferred stock dividend requirement (pre-tax), excluding interest on deposits(c/d)		24.83x		7.93x		5.79x		2.71x		3.56x

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Exhibit 12

RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDEND REQUIREMENT