ex1211809.htm

Exhibit 12.1

COMPUTATION OF CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDEND REQUIREMENT
(In thousands except ratios)
Excluding Interest on Deposits	Nine Months Ended September 30,						Year Ended December 31,
without Goodwill adjustment	2009			2008			2008			2007			2006			2005			2004

													Restated			Restated			Restated
Income (loss) before income taxes	$	(54,999	)	$	(51,605	)	$	(135,078	)	$	54,813		$	47,599		$	16,876		$	27,925

Fixed charges
Interest on:
Federal Home Bank advances		2,025			4,310			5,407			4,168			14,354			21,906			20,336
Other borrowings		1,553			1,874			2,271			3,214			3,744			1,765			1,051
Junior subordinated debentures		3,700			5,399			7,353			8,888			8,029			5,453			3,461

Preferred stock dividend requirement		7,266			-			1,077			-			-			-			-

Total fixed charges and preferred stock dividend requirement		14,544			11,583			16,108			16,270			26,127			29,124			24,848

Earnings (for ratio calculation)	$	(40,455	)	$	(40,022	)	$	(118,970	)	$	71,083		$	73,726		$	46,000		$	52,773

Ratio of earnings to fixed charges		------	(1)		------	(2)		------	(3)		4.37	x		2.82	x		1.58	x		2.12	x

________________________

	The earnings coverage for some of these periods were inadequate to cover total fixed charges. The coverage deficiencies were:
(1)	for the nine months ended September 30, 2009: $40.5 million
(2)	for the nine months ended September 30, 2008: $40.0 million
(3)	for the year ended December 31, 2008: $119.0 million

COMPUTATION OF CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDEND REQUIREMENT
(In thousands except ratios)
Including Interest on Deposits without Goodwill adjustment	Nine Months Ended September 30,									Year Ended December 31,
	2009			2008			2008				2007			2006			2005			2004

Income before income taxes	$	(54,999	)	$	(51,605	)		(135,078	)		$	54,813		$	47,599		$	16,876		$	27,925

Fixed charges
Interest on :
Deposits		65,548			84,446			110,314				129,420			89,987			52,253			35,067
Federal Home Bank advances		2,025			4,310			5,407				4,168			14,354			21,906			20,336
Other borrowings		1,553			1,874			2,271				3,214			3,744			1,765			1,051
Junior subordinated debentures		3,700			5,399			7,353				8,888			8,029			5,453			3,461

Preferred stock dividend requirement		7,266			-			1,077				-			-			-			-

Total fixed charges and preferred stock dividend requirement		80,092			96,029			126,422				145,690			116,114			81,377			59,915

Earnings (for ratio calculation)	$	25,093		$	44,424			(8,656	)		$	200,503		$	163,713		$	98,253		$	87,840

Ratio of earnings to fixed charges		0.31	x		0.46	x		------	(4)			1.38	x		1.41	x		1.21	x		1.47	x

	The earnings coverage for some of these periods were inadequate to cover total fixed charges. The coverage deficiencies were:
(4)	for the year ended December 31, 2008: $8.7 million

	COMPUTATION OF CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES
	(In thousands except ratios)
Excluding Interest on Deposits with Goodwill adjustment	Nine Months Ended September 30,									Year Ended December 31,
	2009			2008				2008		2007			2006			2005			2004

													Restated			Restated			Restated
Income(loss) before income taxes	$	(54,999	)	$	(51,605	)	$	(135,078	)	$	54,813		$	47,599		$	16,876		$	27,925
less: Goodwill impairment		-			50,000			121,121			-			-			-			-
Adjusted income(loss) before taxes		(54,999	)		(1,605	)		(13,957	)		54,813			47,599			16,876			27,925

Fixed charges
Interest on :
Federal Home Bank advances		2,025			4,310			5,407			4,168			14,354			21,906			20,336
Other borrowings		1,553			1,874			2,271			3,214			3,744			1,765			1,051
Junior subordinated debentures		3,700			5,399			7,353			8,888			8,029			5,453			3,461

Preferred stock dividend requirement		7,266			-			1,077			-			-			-			-

Total fixed charges and preferred stock dividend requirement		14,544			11,583			16,108			16,270			26,127			29,124			24,848

Earnings (for ratio calculation)	$	(40,455	)	$	9,978		$	2,151		$	71,083		$	73,726		$	46,000		$	52,773

Ratio of earnings to fixed charges		------	(1)		0.86	x		0.13	x		4.37	x		2.82	x		1.58	x		2.12	x

(1)	The earnings coverage for some of these periods were inadequate to cover total fixed charges. The coverage deficiencies were:
	for the nine months ended September 30, 2009: $40.5 million

COMPUTATION OF CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDEND REQUIREMENT
(In thousands except ratios)
Including Interest on Deposits	Nine Months Ended September 30,									Year Ended December 31,
with Goodwill adjustment	2009			2008			2008			2007			2006			2005			2004

Income before income taxes	$	(54,999	)	$	(51,605	)		(135,078	)	$	54,813		$	47,599		$	16,876		$	27,925
less: Goodwill impairment		-			50,000			121,121			-			-			-			-
Adjusted income(loss) before taxes		(54,999	)		(1,605	)		(13,957	)		54,813			47,599			16,876			27,925

Fixed charges
Interest on :
Deposits		65,548			84,446			110,314			129,420			89,987			52,253			35,067
Federal Home Bank advances		2,025			4,310			5,407			4,168			14,354			21,906			20,336
Other borrowings		1,553			1,874			2,271			3,214			3,744			1,765			1,051
Junior subordinated debentures		3,700			5,399			7,353			8,888			8,029			5,453			3,461

Preferred stock dividend requirement		7,266			-			1,077			-			-			-			-

Total fixed charges and preferred stock dividend requirement		80,092			96,029			126,422			145,690			116,114			81,377			59,915

Earnings (for ratio calculation)	$	25,093		$	94,424			112,465		$	200,503		$	163,713		$	98,253		$	87,840

Ratio of earnings to fixed charges		0.31	x		0.98	x		0.89	x		1.38	x		1.41	x		1.21	x		1.47	x