Exhibit 12.1

STATEMENT OF RATIOS OF EARNINGS TO FIXED CHARGES

	Year ended December 31,
	2008		2007		2006		2005		2004
	(dollars in thousands)
Ratio of earnings to fixed charges
Earnings:
Income from continuing operations before taxes	$	22,389	$	26,189	$	24,437	$	29,805	$	24,114
Fixed charges excluding deposits:		16,583		12,824		11,957		9,195		6,583
Subtotal		38,972		39,013		36,394		39,000		30,697
Interest on deposits		39,303		52,274		41,546		24,832		15,527
Total	$	78,275	$	91,287	$	77,940	$	63,832	$	46,224
Fixed charges:
Interest excluding deposits	$	16,055	$	12,376	$	11,558	$	8,800	$	6,290
Interest component on rentals*		528		448		399		395		293
Subtotal		16,583		12,824		11,957		9,195		6,583
Interest on deposits		39,303		52,274		41,546		24,832		15,527
Total	$	55,886	$	65,098	$	53,503	$	34,027	$	22,110
Ratio of earnings to fixed charges:
Excluding interest on deposits		2.35		3.04		3.04		4.24		4.66
Including interest on deposits		1.40		1.40		1.46		1.88		2.09

* Interest component on rentals estimated to be one-third of rentals