Exhibit 12.1

	For the Years Ended December 31,
	2008			2007			2006		2005		2004
	(In thousands)
Fixed Charges (excluding interest on deposits)
Interest on borrowings	$	76,422		$	108,381		$	109,027	$	103,704	$	59,841
Rent		8,428			8,068			6,782		4,462		3,694
Total fixed charges		84,850			116,449			115,809		108,166		63,535
(Loss) income from continuing operations before income taxes		(186,755	)		(57,584	)		33,976		65,929		81,507
Total earnings (1)		(101,905	)		58,865			149,785		174,095		145,042
Ratio of (loss) earnings to fixed charges		(1.20	)		0.51			1.29		1.61		2.28
Fixed Charges (including interest on deposits)
Interest on borrowings		76,422			108,381			109,027		103,704		59,841
Interest on deposits		64,263			84,476			58,959		40,084		28,355
Rent		8,428			8,068			6,782		4,462		3,694
Total fixed charges		149,113			200,925			174,768		148,250		91,890
(Loss) income from continuing operations before income taxes		(186,755	)		(57,584	)		33,976		65,929		81,507
Total earnings (2)		(37,642	)		143,341			208,744		214,179		173,397
Ratio of (loss) earnings to fixed charges		(0.25	)		0.71			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