Exhibit 12.1

STATEMENT OF RATIOS OF EARNINGS TO FIXED CHARGES

Exhibit 12.1 Ratio of Earnings to Fixed Charges

Ratio of earnings to fixed charges	Year ended December 31,
	2013		2012		2011		2010		2009
	(Dollars in thousands)
Earnings:
Income from continuing operations before taxes	$	37,419	$	31,838	$	28,563	$	29,336	$	(13,173	)
Fixed charges excluding deposits and preferred stock dividends:		4,402		7,815		9,862		11,333		14,312
Subtotal		41,821		39,653		38,425		40,669		1,139
Interest on deposits		6,089		8,344		10,878		15,195		26,793
Total	$	47,910	$	47,997	$	49,303	$	55,864	$	27,932
Fixed charges:
Interest excluding deposits	$	3,568	$	7,102	$	9,233	$	10,700	$	13,650
Interest component on rentals1		834		713		629		633		662
Preferred stock dividends		—		620		2,167		3,987		3,194
Subtotal		4,402		8,435		12,029		15,320		17,506
Interest on deposits		6,089		8,344		10,878		15,195		26,793
Total	$	10,491	$	16,779	$	22,907	$	30,515	$	44,299
Ratio of earnings to fixed charges:
Excluding interest on deposits		9.50		4.70		3.19		2.65		0.07	2
Including interest on deposits		4.57		2.86		2.15		1.83		0.63

¹  Interest component on rentals estimated to be one-third of rentals

²  The dollar amount for the deficiency for the year ended 12/31/09 is $16.4 million.