Exhibit 12.1

	Year Ended December 31,
	2007		2008		2009		2010		2011		Six Months Ended June 30, 2012
Ratio of Earnings to Fixed Charges
Including Interest on Deposits (1)		1.58		1.51		1.56		2.32		3.13		3.40
Excluding Interest on Deposits (2)		2.80		2.46		2.35		3.69		4.92		5.38
a       Net Income		28,381		23,964		22,989		40,240		45,436		21,057
b       Income Taxes		8,791		6,551		6,747		12,227		17,148		7,860
c       Interest Expense on Deposits		43,639		38,896		31,163		20,254		13,355		5,426
d       Interest Expense on Borrowings*		19,916		20,030		20,832		18,509		15,317		6,316
e       Rent Expense		678		873		1,263		1,029		655		290

* Interest expense on borrowings reflects amortization.

(1) (a+b+c+d+e+)/(c+d+e)

(2) (a+b+d+e)/(d+e)

	Year Ended December 31,
	2007		2008		2009		2010		2011		Six Months Ended June 30, 2012
Ratio of Earnings to Combined Fixed Charges and Preferred Dividends
Including Interest on Deposits (1)		1.58		1.51		1.49		2.32		3.13		3.40
Excluding Interest on Deposits (2)		2.80		2.46		2.01		3.69		4.92		5.38
a       Net Income		28,381		23,964		22,989		40,240		45,436		21,057
b       Income Taxes		8,791		6,551		6,747		12,227		17,148		7,860
c       Interest Expense on Deposits		43,639		38,896		31,163		20,254		13,355		5,426
d       Interest Expense on Borrowings*		19,916		20,030		20,832		18,509		15,317		6,316
e       Dividends on Preferred Shares**		—		—		7,370		—		—		—
f        Rent Expense		678		873		1,263		1,029		655		290

* 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 December 31, 2009.

(1) (a+b+c+d+e+f)/(c+d+e+f)

(2) (a+b+d+e+f)/(d+e+f)