Exhibit 12.1

Ratio of Earnings to fixed charges

	Nine months ended September 30, 2008		2007	2006	2005	2004	2003
Pre tax income	(1,835	)	23,678	20,831	11,628	2,796	902
Total fixed charges	33,759		54,158	36,985	15,280	7,334	5,636
Interest expense	33,332		53,868	36,695	14,975	7,077	5,423
Interest on other liabilities	—		—	—	—	—	—
Amortization of subordinated debt origination expense	—		—	—	9	36	36
Estimated interest portion of rent expense	427		290	290	296	221	177
	33,759		54,158	36,985	15,280	7,334	5,636
Preferred stock dividends on a tax equivalent basis	75		68	75	942	369	253
	33,834		54,226	37,060	16,222	7,703	5,889
	31,924		77,836	57,816	26,908	10,130	6,538
	33,834		54,226	37,060	16,222	7,703	5,889
Earnings to combined fixed charges and preferred
stock dividend requirements including interest on
deposits	0.94		1.44	1.56	1.66	1.32	1.11
Ratio of earnings to fixed charges	0.95		1.44	1.56	1.76	1.38	1.16