|                                                                                                                   |   | For Year EndedDecember 31, |   |
|------------------------------------------------------------------------------------------------------------------------|--------|----------------------------|--------|
|                                                                                                                   |   | 2010                       |   |   | 2009 |   |   | 2008 |   |   | 2007 |   |   | 2006 |   |
|                                                                                                                   |   | (Dollars In Thousands)     |   |
| Earnings:                                                                                                              |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 1. Income (loss) before income taxes                                                                                   |   | $                          | 32,759 |   |   | $ | 98,052 |   |   | $ | (8,179 | ) |   | $ | 43,642 |   |   | $ | 44,602 |   |
| 2. Plus interest expense                                                                                               |   |                       | 47,850 |   |   |   | 66,605 |   |   |   | 73,231 |   |   |   | 92,466 |   |   |   | 80,854 |   |
|                                                                                                                   |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 3. Earnings including interest on deposits                                                                             |   |                       | 80,609 |   |   |   | 164,657 |   |   |   | 65,052 |   |   |   | 136,108 |   |   |   | 125,456 |   |
| 4. Less interest on deposits                                                                                           |   |                       | 38,427 |   |   |   | 54,087 |   |   |   | 60,876 |   |   |   | 76,232 |   |   |   | 65,733 |   |
|                                                                                                                   |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 5. Earnings excluding interest on deposits                                                                             |   | $                          | 42,182 |   |   | $ | 110,570 |   |   | $ | 4,176 |   |   | $ | 59,876 |   |   | $ | 59,723 |   |
|                                                                                                                   |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Fixed charges and preferred stock dividend       requirements (pre-tax):                      |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 6. Including interest on deposits and      capitalized interest                               |   | $                          | 52,521 |   |   | $ | 71,659 |   |   | $ | 73,678 |   |   | $ | 92,466 |   |   | $ | 80,854 |   |
| 7. Less interest on deposits (Line 4)                                                                                  |   |                       | 38,427 |   |   |   | 54,087 |   |   |   | 60,876 |   |   |   | 76,232 |   |   |   | 65,733 |   |
|                                                                                                                   |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 8. Excluding interest on deposits                                                                                      |   | $                          | 14,094 |   |   | $ | 17,572 |   |   | $ | 12,802 |   |   | $ | 16,234 |   |   | $ | 15,121 |   |
|                                                                                                                   |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Ratio of earnings to fixed charges and preferred       stock dividend requirements (pre-tax): |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Including interest on deposits(Line 3 divided by Line 6)                                                               |   |                       | 1.53   |   |   |   | 2.30 |   |   |   | 0.88 |   |   |   | 1.47 |   |   |   | 1.55 |   |
| Excluding interest on deposits(Line 5 divided by Line 8)                                                               |   |                       | 2.99   |   |   |   | 6.29 |   |   |   | 0.33 |   |   |   | 3.69 |   |   |   | 3.95 |   |
|                                                                                                                   |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |