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.