|                                                                                        |   | 2010   |   |   | 2009   |   |   | 2008   |   |   | 2007    |   |
|---------------------------------------------------------------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|---------|--------|
| Pre tax income                                                                              |   |   | 7,754  |   |   |   | 6,350  |   |   |   | (63,272 | )      |   |   | 23,678 |   |
| Total fixed charges                                                                         |   |   | 15,195 |   |   |   | 16,691 |   |   |   | 41,113  |   |   |   | 54,158 |   |
|                                                                                        |   |   |   |   |   |   |   |   |   |   |    |   |   |   |   |   |
| Interest expense                                                                            |   |   | 14,539 |   |   |   | 16,050 |   |   |   | 40,632  |   |   |   | 53,868 |   |
| Interest on other liabilities                                                               |   |   | -      |   |   |   | -      |   |   |   | -       |   |   |   | - |   |
| Amortization of subordinated debt origination expense                                       |   |   | -      |   |   |   | -      |   |   |   | -       |   |   |   | - |   |
| Estimated interest portion of rent expense (2)                                              |   |   | 656    |   |   |   | 641    |   |   |   | 481     |   |   |   | 290 |   |
|                                                                                        |   |   | 15,195 |   |   |   | 16,691 |   |   |   | 41,113  |   |   |   | 54,158 |   |
|                                                                                        |   |   |   |   |   |   |   |   |   |   |    |   |   |   |   |   |
| Preferred stock dividends on a tax equivalent basis                                         |   |   | 656    |   |   |   | 3,426  |   |   |   | 373     |   |   |   | 68 |   |
|                                                                                        |   |   | 15,851 |   |   |   | 20,117 |   |   |   | 41,486  |   |   |   | 54,226 |   |
|                                                                                        |   |   |   |   |   |   |   |   |   |   |    |   |   |   |   |   |
|                                                                                        |   |   | 22,949 |   |   |   | 23,041 |   |   |   | (22,159 | )      |   |   | 77,836 |   |
|                                                                                        |   |   | 15,851 |   |   |   | 20,117 |   |   |   | 41,486  |   |   |   | 54,226 |   |
|                                                                                        |   |   |   |   |   |   |   |   |   |   |    |   |   |   |   |   |
| Earnings to combined fixed charges and preferred                                            |   |   |   |   |   |   |   |   |   |   |    |   |   |   |   |   |
|   stock dividend requirements including interest on                               |   |   |   |   |   |   |   |   |   |   |    |   |   |   |   |   |
|   deposits                                                                        |   |   | 1.45   |   |   |   | 1.15   |   |   | nm     |    |   |   | 1.44 |   |
|                                                                                        |   |   |   |   |   |   |   |   |   |   |    |   |   |   |   |   |
| Ratio of earnings to fixed charges                                                          |   |   | 1.51   |   |   |   | 1.38   |   |   | nm     |    |   |   | 1.44 |   |
|                                                                                        |   |   |   |   |   |   |   |   |   |   |    |   |   |   |   |   |
| (1) The coverage deficiency was $63.3 million dollars for the year ended December 31, 2008. |   |
| (2) Estimated to be 33% of rent expense paid.                                               |   |

----