Exhibit 12.1

Ratio of Earnings to Fixed Charges

	September 30,
	2010		2009		2008			2007		2006		2005
Pre tax income		4,767		6,350		(63,272	)		23,678		20,831		11,628
Total fixed charges		11,679		16,921		41,324			54,158		36,985		15,280
Interest expense		11,210		16,280		40,843			53,868		36,695		14,975
Interest on other liabilities		-		-		-			-		-		-
Amortization of subordinated debt origination expense		-		-		-			-		-		9
Estimated interest portion of rent expense (2)		469		641		481			290		290		296
		11,679		16,921		41,324			54,158		36,985		15,280
Preferred stock dividends on a tax equivalent basis		656		3,426		373			68		75		942
		12,335		20,347		41,697			54,226		37,060		16,222
		16,446		23,271		(21,948	)		77,836		57,816		26,908
		12,335		20,347		41,697			54,226		37,060		16,222
Ratio of earnings to fixed charges		1.41		1.38		(1	)		1.44		1.56		1.76
Earnings to combined fixed charges and preferred
stock dividends to earnings		1.33		1.14		(1	)		1.44		1.56		1.66

(1)	Earnings for the year ended December 31, 2008 were inadequate to cover fixed charges. The coverage deficiency was $63.6 million.
(2)	Estimated to be 33% of rent expense paid.