EXHIBIT 12

STATEMENTS: COMPUTATION OF RATIOS

The following is a computation of Non-GAAP financial ratios:

(dollars in thousands)	Years Ended December 31,
	2006			2005			2004			2003			2002
Net Interest Income	$	91,522		$	84,798		$	74,628		$	67,633		$	59,594
Effect of Tax Benefit on Interest Income		3,544			3,284			2,861			2,603			1,469
Net Interest Income (TE) (1)		95,066			88,082			77,489			70,236			61,063
Noninterest Income		23,450			26,141			23,221			23,064			17,866
Effect of Tax Benefit on Noninterest Income		1,123			1,066			897			820			652
Noninterest Income (TE) (1)		24,573			27,208			24,117			23,884			18,518
Total Revenues (TE) (1)	$	119,639		$	115,290		$	101,607		$	94,120		$	79,581
Total Noninterest Expense	$	73,127		$	64,438		$	54,898		$	50,629		$	44,032
Less Intangible Amortization Expense		(1,118	)		(1,207	)		(885	)		(781	)		(243	)
Tangible Operating Expense (2)	$	72,009		$	63,231		$	54,014		$	49,848		$	43,789
Return on Average Equity		12.86	%		8.41	%		12.98	%		13.05	%		13.12	%
Effect of Intangibles (2)		7.66			5.55			6.55			6.52			4.66
Return on Average Tangible Equity (2)		20.52	%		13.96	%		19.53	%		19.57	%		17.78	%
Efficiency Ratio		63.6	%		58.1	%		56.1	%		55.8	%		56.8	%
Effect of Tax Benefit Related to Tax Exempt Income		(2.5	)		(2.2	)		(2.1	)		(2.0	)		(1.5	)
Efficiency Ratio (TE) (1)		61.1	%		55.9	%		54.0	%		53.8	%		55.3	%
Effect of Amortization of Intangibles		(1.0	)		(0.9	)		(0.9	)		(0.8	)		(0.3	)
Tangible Efficiency Ratio (TE) (1) (2)		60.2	%		54.8	%		53.2	%		53.0	%		55.0	%

⁽¹⁾ Fully taxable equivalent (TE) calculations include the tax benefit associated with related income sources that are tax-exempt using a marginal tax rate of 35%.

⁽²⁾ Tangible calculations eliminate the effect of goodwill and acquisition related intangible assets and the corresponding amortization expense on a tax-effected basis where applicable.