Ratio of Earnings to Fixed Charges and Preferred Dividends

	Three months ended
	March 31,					Years Ended December 31,
	2010			2009		2009			2008		2007		2006		2005
(Loss) income before taxes		(559	)		2,965		(1,430	)		23,086		43,123		46,152		42,836
Int on Deposits		6,294			8,329		30,389			39,809		57,311		42,707		21,690
Int on Borrowings and Long-term Debt		4,458			6,123		20,825			35,849		48,737		55,838		40,006
Int Exp embedded in rental Expense on long-term leases		463			464		1,872			1,600		1,420		733		684
Preferred Stock Dividends		954			645		3,789			--		--		--		--
Total Fixed charges, including int on deposits		12,169			15,561		56,875			77,258		107,468		99,278		62,380
Total fixed charges, excluding int on deposits		5,875			7,232		26,486			37,449		50,157		56,571		40,690
Ratio of Earnings to Fixed Charges and Preferred Dividends
Excluding interest on deposits		0.88			1.15		0.91			1.30		1.40		1.46		1.69
Including interest on deposits		0.74			1.32		0.80			1.62		1.86		1.82		2.05