Exhibit 12.1

	Year Ended December 31,										Three Months Ended
	2004		2005		2006		2007		2008		March 31, 2009
Ratio of Earnings to Fixed Charges
Including Interest on Deposits (1)		2.21		1.95		1.72		1.58		1.50		1.59
Excluding Interest on Deposits (2)		3.42		2.93		2.89		2.78		2.41		2.49
a   Net Income		30,767		33,205		32,851		28,381		23,964		6,388
b   Income Taxes		13,623		15,121		14,759		8,791		6,551		1,767
c   Minority Interest		1,072		—		—		—		—		—
d   Interest Expense on Deposits		18,925		25,758		40,793		43,639		38,896		8,407
e   Interest Expense on Borrowings*		17,872		24,060		24,245		19,916		20,030		5,015
f   Rent Expense		898		978		948		1,019		1,662		445

*	Interest expense on borrowings reflects amortization.
(1)	(a+b+c+d+e+f)/(d+e+f)
(2)	(a+b+c+e+f)/(e+f)

	Year Ended December 31,										Three Months Ended
	2004		2005		2006		2007		2008		March 31, 2009
Ratio of Earnings to Combined Fixed Charges and Preferred Dividends
Including Interest on Deposits (1)		2.21		1.95		1.72		1.58		1.50		1.43
Excluding Interest on Deposits (2)		3.42		2.93		2.89		2.78		2.41		1.96
a   Net Income		30,767		33,205		32,851		28,381		23,964		6,388
b   Income Taxes		13,623		15,121		14,759		8,791		6,551		1,767
c   Minority Interest		1,072		—		—		—		—		—
d   Interest Expense on Deposits		18,925		25,758		40,793		43,639		38,896		8,407
e   Interest Expense on Borrowings*		17,872		24,060		24,245		19,916		20,030		5,015
f   Dividends on Preferred Shares**		—		—		—		—		—		1,498
g   Rent Expense		898		978		948		1,019		1,662		445

*	Interest expense on borrowings reflects amortization.
**	Represents preferred stock dividends and accretion on preferred stock, divided by 1 minus the effective tax rate of the Company at March 31, 2009.
(1)	(a+b+c+d+e+g)/(d+e+f+g)
(2)	(a+b+c+e+g)/(e+f+g)