Exhibit 12.1

	For the Years Ended December 31,
	2007			2006		2005		2004		2003
	(In thousands)
Fixed Charges (excluding interest on deposits)
Interest on borrowings	$	108,381		$	109,027	$	103,704	$	59,841	$	76,938
Rent		8,068			6,782		4,462		3,694		3,185
Total fixed charges		116,449			115,809		108,166		63,535		80,123
(Loss) income from continuing operations before income taxes		(57,584	)		33,976		65,929		81,507		45,452
Total earnings (1)		58,865			149,785		174,095		145,042		125,575
Ratio of earnings to fixed charges		0.51			1.29		1.61		2.28		1.57
Fixed Charges (including interest on deposits)
Interest on borrowings		108,381			109,027		103,704		59,841		76,938
Interest on deposits		84,476			58,959		40,084		28,355		36,189
Rent		8,068			6,782		4,462		3,694		3,185
Total fixed charges		200,925			174,768		148,250		91,890		116,312
(Loss) income from continuing operations before income taxes		(57,584	)		33,976		65,929		81,507		45,452
Total earnings (2)		143,341			208,744		214,179		173,397		161,764
Ratio of earnings to fixed charges		0.71			1.19		1.44		1.89		1.39

(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