Exhibit 12.1

Calculation of ratios of earnings to fixed charges and preferred dividends

	Year Ended December 31,
	2008			2007			2006			2005			2004
Fixed Charges and Preferred Dividends:
Interest expense	$	90,748		$	141,283		$	113,873		$	63,471		$	34,869
Capitalized debt expense Trust Preferred		6,445			8,257			5,439			1,858			1,096
Estimated interest in rent [(1/3 rent)]		1,660			1,625			1,785			1,384			1,023
Preferred dividends (gross up)		—			—			—			—			—
Combined fixed charges and preferred dividends (B)		98,853			151,165			121,097			66,713			36,988
Less interest on deposits		72,852			121,245			99,500			50,028			23,237
Combined fixed charges and preferred dividends excluding interest on deposits (D)	$	26,001		$	29,920		$	21,597		$	16,685		$	13,751
Earnings:
Pre-tax income from continuing operations	$	37,806		$	47,773		$	43,942		$	40,787		$	29,991
Fixed charges and preferred dividends		98,853			151,165			121,097			66,713			36,988
Total earnings (A)		136,659			198,938			165,039			107,500			66,979
Less interest on deposits		72,852			121,245			99,500			50,028			23,237
Total earnings excluding interest on deposits (C)	$	63,807		$	77,693		$	65,539		$	57,472		$	43,742
Ratio, including interest on deposits (A)/(B)		1.38	x		1.32	x		1.36	x		1.61	x		1.81	x
Ratio, excluding interest on deposits (C)/(D)		2.45	x		2.60	x		3.03	x		3.44	x		3.18	x

90