Exhibit 12.1

	Three Months Ended				Six Months Ended
	June 30, 2012		June 30, 2011		June 30, 2012		June 30, 2011
Ratio of Earnings to Fixed Charges (Including Deposits)
Earnings:
Income before income taxes	$	19,535	$	21,149		36,854	$	39,816
Add:  Fixed charges, net		15,016		19,094		34,341		37,495
Income before income taxes and fixed charges, net		34,551		40,243		71,195		77,311
Fixed charges
Interest expense	$	14,765	$	18,110		33,840	$	36,262
One-third of rental expense		251		244		501		493
Interest on unrecognized tax benefits		-		740		-		740
Total fixed charges		15,016		19,094		34,341		37,495
Ratio of Earnings to Fixed Charges		2.30		2.11		2.07		2.06

Ratio of Earnings to Fixed Charges (Excluding Deposits)
Earnings:
Income before income taxes	$	19,535	$	21,149	36,854	$	39,816
Add:  Fixed charges, net		9,594		12,296	23,193		23,912
Income before income taxes and fixed charges, net		29,129		33,445	60,047		63,728
Fixed charges
Interest expense (excluding deposits)		9,343		11312	22,692		22679
One-third of rental expense		251		244	501		493
Interest on unrecognized tax benefits		-		740			740
Total fixed charges		9,594		12,296	23,193		23,912
Ratio of Earnings to Fixed Charges		3.04		2.72	2.59		2.67