Exhibit 12

			Years Ended December 31,
	Nine Months Ended
(Dollars in thousands)	September 30, 2009		2008		2007		2006		2005		2004
Ratio of Earnings to Fixed Charges
Including interest on deposits in fixed charges (1)		1.26		1.53		1.27		1.27		1.45		1.84
Excluding interest on deposits in fixed charges (2)		1.87		2.87		2.03		1.90		2.06		3.08
Ratio of Combined Fixed Charges and Preference Dividends to Earnings
Including interest on deposits in fixed charges (3)		0.82		0.65		0.79		0.79		0.69		0.54
Excluding interest on deposits in fixed charges (4)		0.59		0.35		0.49		0.53		0.49		0.32
(a) Pre-tax income from continuing operations		$9,562	$	31,056	$	18,774	$	15,560	$	16,229	$	17,579
(b) Interest expense on deposits*		25,195		41,733		50,597		41,044		21,048		12,393
(c) Interest expense on borrowings*		10,310		15,738		17,422		16,767		15,067		8,331
(d) Rent expense**		655		866		785		460		300		132
(e) Preference security dividend ***		1,212		—		—		—		—		—

*	Interest expense includes amortized premiums, discounts and capitalized expenses related to indebtedness.
**	Consists of one third of rent expense which approximates the interest rate component of rent expense.
***	Represents dividends and accretion on preferred stock, divided by 1 minus the effective tax rate of the company for the period shown. The preference security dividend excludes the $2.954 million amount recorded as a non-cash deemed dividend in the second quarter of 2009 related to the Company’s decision to redeem the preferred stock.

(1) (a)+(b)+(c)+(d)/(b)+(c)+(d)
(2) (a)+(c)+(d)/(c)+(d)
(3) (b)+(c)+(d)+(e)/(a)+(b)+(c)+(d)
(4) (c)+(d)+(e)/(a)+(c)+(d)