Exhibit 12.1

Computation of Ratio of Earnings to Fixed Charges and Ratio of Earnings to Combined Fixed Charges and Preferred Stock Dividend Requirements

|                                   | Nine months endedSeptember 30, | Year ended December 31,
|---------------------------------- | ------------------------------ | -----------------------
|
|a.  Ratio of Earnings to Fixed     |                                |                        
|Charges                            |                                |                        
|                                  
|                                   |                                |                        
|Including Interest on Deposits     |                                |                        
|                                  
|Earnings:                          |                                |                        
|Income from operations before      |                                |                        
|income taxes                       |                                |                        
|Fixed charges                      |                                |                        
|                                   |                                |                        
|                                   |                                |                        
|Earnings, for computation purposes |                                |                        
|                                   |                                |                        
|                                   |                                |                        
|Fixed Charges:                     |                                |                        
|Interest on borrowings             |                                |                        
|Interest on deposits               |                                |                        
|Portion of rents representative    |                                |                        
|of the interest factor             |                                |                        
|                                   |                                |                        
|                                   |                                |                        
|Fixed charges, including interest  |                                |                        
|on deposits, for computation       |                                |                        
|purposes                           |                                |                        
|                                   |                                |                        
|                                   |                                |                        
|Ratio of earnings to fixed         |                                |                        
|charges, including interest on     |                                |                        
|deposits                           |                                |                        
|                                  
|                                   |                                |                        
|Excluding Interest on Deposits     |                                |                        
|                                  
|Earnings:                          |                                |                        
|Income from operations before      |                                |                        
|income taxes                       |                                |                        
|Fixed charges                      |                                |                        
|                                   |                                |                        
|                                   |                                |                        
|Earnings, for computation purposes |                                |                        
|                                   |                                |                        
|                                   |                                |                        
|Fixed Charges:                     |                                |                        
|Interest on borrowings             |                                |                        
|Portion of rents representative    |                                |                        
|of the interest factor             |                                |                        
|                                   |                                |                        
|                                   |                                |                        
|Fixed charges, excluding interest  |                                |                        
|on deposits, for computation       |                                |                        
|purposes                           |                                |                        
|                                   |                                |                        
|                                   |                                |                        
|Ratio of earnings to fixed         |                                |                        
|charges, excluding interest on     |                                |                        
|deposits                           |                                |                        

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|                                   | Nine months endedSeptember 30, | Year ended December 31,
|---------------------------------- | ------------------------------ | -----------------------
|
|b.  Ratio of Earnings to Combined  |                                |                        
|Fixed Charges and Preferred Stock  |                                |                        
|Dividend Requirements(1)           |                                |                        
|                                  
|                                   |                                |                        
|Including Interest on Deposits     |                                |                        
|                                  
|Earnings:                          |                                |                        
|Income from operations before      |                                |                        
|income taxes                       |                                |                        
|Fixed charges                      |                                |                        
|                                   |                                |                        
|                                  
|                                   |                                |                        
|                                   |                                |                        
|Earnings, for computation purposes |                                |                        
|                                   |                                |                        
|                                  
|                                   |                                |                        
|Fixed Charges and Preferred Stock  |                                |                        
|Dividend Requirements:             |                                |                        
|Interest on borrowings             |                                |                        
|Interest on deposits               |                                |                        
|Portion of rents representative    |                                |                        
|of the interest factor             |                                |                        
|                                   |                                |                        
|                                   |                                |                        
|                                  
|Fixed charges, including interest  |                                |                        
|on deposits, for computation       |                                |                        
|purposes                           |                                |                        
|                                   |                                |                        
|                                  
|Preferred stock dividend           |                                |                        
|requirements                       |                                |                        
|                                   |                                |                        
|                                   |                                |                        
|                                  
|Fixed charges and preferred stock  |                                |                        
|dividend requirements,             |                                |                        
|including interest on deposits,    |                                |                        
|for computation purposes           |                                |                        
|                                   |                                |                        
|                                   |                                |                        
|                                  
|Ratio of earnings to combined      |                                |                        
|fixed charges and preferred        |                                |                        
|stock dividend requirements,       |                                |                        
|including interest on deposits     |                                |                        
|                                   |                                |                        
|                                  
|Excluding Interest on Deposits     |                                |                        
|                                  
|Earnings:                          |                                |                        
|Income from operations before      |                                |                        
|income taxes                       |                                |                        
|Fixed charges                      |                                |                        
|                                   |                                |                        
|                                  
|                                   |                                |                        
|                                   |                                |                        
|Earnings, for computation purposes |                                |                        
|                                   |                                |                        
|                                  
|                                   |                                |                        
|Fixed Charges and Preferred Stock  |                                |                        
|Dividend Requirements:             |                                |                        
|Interest on borrowings             |                                |                        
|Portion of rents representative    |                                |                        
|of the interest factor             |                                |                        
|                                   |                                |                        
|                                  
|                                   |                                |                        
|Fixed charges, excluding interest  |                                |                        
|on deposits, for computation       |                                |                        
|purposes                           |                                |                        
|                                  
|                                   |                                |                        
|Preferred stock dividend           |                                |                        
|requirements                       |                                |                        
|                                   |                                |                        
|                                  
|                                   |                                |                        
|Fixed charges and preferred stock  |                                |                        
|dividend requirements,             |                                |                        
|excluding interest on deposits,    |                                |                        
|for computation purposes           |                                |                        
|                                   |                                |                        
|                                  
|                                   |                                |                        
|Ratio of earnings to combined      |                                |                        
|fixed charges and preferred        |                                |                        
|stock dividend requirements,       |                                |                        
|excluding interest on deposits     |                                |                        
|                                  

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|(1) |  | Preferred stock dividend requirements are adjusted to represent a pretax
          earnings equivalent.
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