Exhibit 12.1

	For the Three Months Ended March 31,					For the Year Ended December 31,
(in thousands)	2008			2007		2007		2006		2005		2004		2003
Income before taxes	$	(33,076	)	$	3,372	$	12,297	$	11,987	$	18,870	$	13,175	$	21,494
Interest on deposits	$	9,052		$	8,520	$	40,302	$	26,843	$	15,223	$	11,813	$	13,124
Interest on borrowings	$	3,595		$	1,776	$	10,693	$	7,300	$	3,529	$	2,434	$	1,616
Total interest expense	$	12,647		$	10,296	$	50,995	$	34,143	$	18,752	$	14,247	$	14,740