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		Year Ended December 31,
without Goodwill adjustment		2009			2008			2007		2006		2005
										Restated		Restated
Income (loss) before income taxes	$	(62,817	)	$	(135,078	)	$	54,813	$	47,599	$	16,876
Fixed charges
Interest on:
Federal Home Bank advances		2,627			5,407			4,168		14,354		21,906
Other borrowings		2,205			2,271			3,214		3,744		1,765
Junior subordinated debentures		4,754			7,353			8,888		8,029		5,453
Preferred stock dividend requirement		9,688			1,077			-		-		-
Total fixed charges and preferred     stock dividend requirement		19,274			16,108			16,270		26,127		29,124
Earnings (for ratio calculation)	$	(43,544	)	$	(118,970	)	$	71,083	$	73,726	$	46,000
Ratio of earnings to fixed charges		------	(1)		------	(2)		4.37x		2.82x		1.58x

________________________

	The earnings coverage for some of these periods were inadequate to cover total fixed charges.  The coverage deficiencies were:
(1)	for the year ended December 31, 2009: $43.5 million
(2)	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				Year Ended December 31,
				2009			2008			2007		2006		2005
Income before income taxes			$	(62,817	)	$	(135,078	)	$	54,813	$	47,599	$	16,876
Fixed charges
	Interest on :
		Deposits		83,211			110,314			129,420		89,987		52,253
		Federal Home Bank advances		2,627			5,407			4,168		14,354		21,906
		Other borrowings		2,205			2,271			3,214		3,744		1,765
		Junior subordinated debentures		4,754			7,353			8,888		8,029		5,453
Preferred stock dividend requirement				9,688			1,077			-		-		-
Total fixed charges and preferred      stock dividend requirement				102,485			126,422			145,690		116,114		81,377
Earnings (for ratio calculation)			$	39,668		$	(8,656	)	$	200,503	$	163,713	$	98,253
Ratio of earnings to fixed charges				0.39x			------	(3)		1.38x		1.41x		1.21x

	The earnings coverage for some of these periods were inadequate to cover total fixed charges.  The coverage deficiencies were:
(3)	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				Year Ended December 31,
					2009			2008			2007		2006		2005
											Restated		Restated		Restated
	Income(loss) before income taxes			$	(62,817	)	$	(135,078	)	$	54,813	$	47,599	$	16,876
		less: Goodwill impairment			-			121,121			-				-
		Adjusted income(loss) before taxes			(62,817	)		(13,957	)		54,813		47,599		16,876
	Fixed charges
		Interest on :
			Federal Home Bank advances		2,627			5,407			4,168		14,354		21,906
			Other borrowings		2,205			2,271			3,214		3,744		1,765
			Junior subordinated debentures		4,754			7,353			8,888		8,029		5,453
Preferred stock dividend requirement					9,688			1,077			-		-		-
	Total fixed charges and preferred      stock dividend requirement				19,274			16,108			16,270		26,127		29,124
	Earnings (for ratio calculation)			$	(43,544	)	$	2,151		$	71,083	$	73,726	$	46,000
	Ratio of earnings to fixed charges				------	(1)		0.13x			4.37x		2.82x		1.58x

(1)	The earnings coverage for some of these periods were inadequate to cover total fixed charges.  The coverage deficiencies were:
	for the year ended December 31, 2009: $43.5 million

					COMPUTATION OF CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDEND REQUIREMENT (In thousands except ratios)
Including Interest on Deposits					Year Ended December 31,
with Goodwill adjustment					2009			2008			2007		2006		2005
	Income before income taxes			$	(62,817	)	$	(135,078	)	$	54,813	$	47,599	$	16,876
		less: Goodwill impairment			-			121,121			-		-		-
		Adjusted income(loss) before taxes			(62,817	)		(13,957	)		54,813		47,599		16,876
	Fixed charges
		Interest on :
			Deposits		83,211			110,314			129,420		89,987		52,253
			Federal Home Bank advances		2,627			5,407			4,168		14,354		21,906
			Other borrowings		2,205			2,271			3,214		3,744		1,765
			Junior subordinated debentures		4,754			7,353			8,888		8,029		5,453
Preferred stock dividend requirement					9,688			1,077			-		-		-
	Total fixed charges and preferred     stock dividend requirement				102,485			126,422			145,690		116,114		81,377
	Earnings (for ratio calculation)			$	39,668		$	112,465		$	200,503	$	163,713	$	98,253
	Ratio of earnings to fixed charges				0.39x			0.89x			1.38x		1.41x		1.21x