Exhibit 12

Consolidated Ratios of Earnings to Fixed Charges

	Nine months ended September 30, 2008		Years ended December 31,
			2007		2006		2005		2004		2003
Excluding interest on deposits		1.05		3.70		4.19		7.79		17.71		14.60
Including interest on deposits		1.01		1.58		1.81		2.29		2.73		2.37
	Nine months ended September 30, 2008		Years ended December 31,
(dollars in thousands)			2007		2006		2005		2004		2003
Income before income taxes	$	472	$	44,134	$	44,236	$	41,323	$	31,866	$	27,841
Interest on deposits	$	36,444	$	59,930	$	40,838	$	25,983	$	16,537	$	18,304
Borrowings and long-term debt		8,455		15,467		13,074		5,312		1,586		1,729
1/3 of net rental expense		704		886		779		778		321		318
Total fixed charges, including interest on deposits	$	45,603	$	76,283	$	54,691	$	32,073	$	18,444	$	20,351
Total fixed charges, excluding interest on deposits	$	9,159	$	16,353	$	13,853	$	6,090	$	1,907	$	2,047