Exhibit 12.1

	For the Nine
	Months Ended			For the Years Ended December 31,
	September 30, 2009			2008			2007			2006		2005		2004
							(In thousands)
Fixed Charges (excluding interest on deposits)
Interest on borrowings	$	27,731		$	76,422		$	108,381		$	109,027	$	103,704	$	59,841
Rent		5,706			8,428			8,068			6,782		4,462		3,694
Total fixed charges		33,437			84,850			116,449			115,809		108,166		63,535
(Loss) income from continuing operations before income taxes		(137,053	)		(186,755	)		(57,584	)		33,976		65,929		81,507
Total earnings (1)		(103,616	)		(101,905	)		58,865			149,785		174,095		145,042
Ratio of earnings to fixed charges		A			A			A			1.29		1.61		2.28
Fixed Charges (including interest on deposits)
Interest on borrowings		27,731			76,422			108,381			109,027		103,704		59,841
Interest on deposits		33,934			64,263			84,476			58,959		40,084		28,355
Rent		5,706			8,428			8,068			6,782		4,462		3,694
Total fixed charges		67,371			149,113			200,925			174,768		148,250		91,890
(Loss) income from continuing operations before income taxes		(137,053	)		(186,755	)		(57,584	)		33,976		65,929		81,507
Total earnings (2)		(69,682	)		(37,642	)		143,341			208,744		214,179		173,397
Ratio of earnings to fixed charges		A			A			A			1.19		1.44		1.89

(1)	Total earnings is defined as (loss) income from continuing operations plus fixed charges excluding interest on deposits.
(2)	Total earnings is defined as (loss) income from continuing operations plus fixed charges including interest on deposits.
(A)	Due to the loss from continuing operations before income taxes, the ratio coverage was less than 1:1. The Company would have needed to generate additional earnings of $137.1 million for the nine months ended September 30, 2009, $186.8 million for the year ended December 31, 2008 and $57.6 million for the year ended December 31, 2007 to achieve coverage of 1:1 for those periods.