Exhibit 12.1

Computation of Ratio of Earnings to Fixed Charges
(Dollars in thousands)

Year ended December 31,	2006			2005			2004			2003			2002
Earnings:
Net income from operations after tax	$	75,609		$	54,715		$	45,421		$	40,752		$	34,494
Applicable income taxes		41,499			29,310			23,929			22,267			19,247
Income before taxes		117,108			84,025			69,350			63,019			53,741
Fixed charges:
Interest expense excluding interest on deposits		7,415			5,360			4,397			5,000			5,662
Portion of rents representative of interest		—			194			293			325			361
Amortization of subordinated debenture/ trust preferred securities issuance costs		37			41			44			961			95
Fixed charges excluding interest on deposits		7,452			5,595			4,734			6,286			6,118
Interest on deposits		98,545			58,189			38,024			43,614			59,797
Fixed charges including interest on deposits	$	105,997		$	63,784		$	42,758		$	49,900		$	65,915
Earnings before fixed charges excluding interest on deposits	$	124,560		$	89,620		$	74,084		$	69,305		$	59,859
Earnings before fixed charges including interest on deposits		223,105			147,809			112,108			112,919			119,656
Fixed charges excluding interest on deposits		7,452			5,595			4,734			6,286			6,118
Fixed charges including interest on deposits		105,997			63,784			42,758			49,900			65,915
Ratio of Earnings to Fixed Charges:
Excluding interest on deposits		16.71	x		16.02	x		15.65	x		11.03	x		9.78	x
Including interest on deposits		2.10	x		2.32	x		2.62	x		2.26	x		1.82	x