EXHIBIT 12.1

Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividends

	For the three months
	ended March 31,				For the Year ended December 31,
	2009		2008		2008		2007		2006		2005		2004
Earnings excluding interest on deposits (1):
Earnings Before Taxes	$	18,252	$	22,171	$	85,748	$	83,063	$	103,061	$	106,900	$	88,925
Fixed Charges		17,566		27,303		105,129		112,669		81,841		50,007		32,302
	$	35,818	$	49,474	$	190,877	$	195,732	$	184,902	$	156,907	$	121,227
Preferred Dividends (2):	$	2,742	$	—	$	774	$	—	$	—	$	—	$	—
Fixed charges (1):
Interest on borrowings	$	17,080	$	26,811	$	103,038	$	110,838	$	80,284	$	48,528	$	31,009
Amortization of debt expense		—		30		120		120		120		120		120
Interest portion of rental expense		486		492		1,971		1,711		1,437		1,359		1,173
	$	17,566	$	27,333	$	105,129	$	112,669	$	81,841	$	50,007	$	32,302
Fixed Charges and Preferred Dividends	$	20,308	$	27,333	$	105,903	$	112,669	$	81,841	$	50,007	$	32,302
Ratio of earnings to fixed charges		2.04		1.81		1.82		1.74		2.26		3.14		3.75
Ratio of earnings to fixed charges and preferred dividends		1.76		1.81		1.80		1.74		2.26		3.14		3.75
Earnings including interest on deposits (1):
Earnings Before Taxes		18,252		22,171		85,748		83,063		103,061		106,900		88,925
Fixed Charges		24,156		39,581		140,930		181,966		149,021		78,915		47,810
		42,408		61,752		226,678		265,029		252,082		185,815		136,735
Preferred Dividends (2):	$	2,742	$	—	$	774	$	—	$	—	$	—	$	—
Fixed charges (1):
Interest on deposits		6,590		12,278		35,801		69,297		67,180		28,908		15,508
Interest on borrowings		17,080		26,811		103,038		110,838		80,284		48,528		31,009
Amortization of debt expense		—		30		120		120		120		120		120
Interest portion of rental expense		486		492		1,971		1,711		1,437		1,359		1,173
		24,156		39,611		140,930		181,966		149,021		78,915		47,810
Fixed Charges and Preferred Dividends	$	26,898	$	39,611	$	141,704	$	181,966	$	149,021	$	78,915	$	47,810
Ratio of earnings to fixed charges		1.76		1.56		1.61		1.46		1.69		2.35		2.86
Ratio of earnings to fixed charges and preferred dividends		1.58		1.56		1.60		1.46		1.69		2.35		2.86

(1)	As defined in Item 503(d) of Regulation S-K.
(2)	The preferred dividends were increased to amounts representing the pretax earnings that would be required to cover such dividend requirements.