| EXHIBIT      12.1     |  Statement      Regarding Computation of Ratios |   |
|-------------------------------------------|------------------------------------------------------|--------|

|                                    |   | For the Year Ended December 31,      2009 |
|-----------------------------------------|--------|-------------------------------------------|
|                                    |   | (In      Thousands)                       |
|                                    |   |                                      |
| Income      before income tax expense   |   | $                                         | 38,514 |   |
| Income      tax expense                 |   |                                      | 10,830 |   |
| Net      income                         |   | $                                         | 27,684 |   |
|                                    |   |                                      |   |   |
| Fixed      charges:                     |   |                                      |   |   |
| Interest      on borrowings             |   | $                                         | 253,401 |   |
| Interest      on deposits               |   |                                      | 315,371 |   |
| One-third      of rent expense          |   |                                      | 2,858 |   |
| Total      fixed charges                |   | $                                         | 571,630 |   |
|                                    |   |                                      |   |   |
| Earnings      (for ratio calculation)   |   | $                                         | 610,144 |   |
|                                    |   |                                      |   |   |
| Ratio      of earnings to fixed charges |   |                                      | 1.07x |   |

|                                    |   | For the Year Ended December 31,      2009 |
|-----------------------------------------|--------|-------------------------------------------|
|                                    |   | (In      Thousands)                       |
|                                    |   |                                      |
| Income      before income tax expense   |   | $                                         | 38,514 |   |
| Income      tax expense                 |   |                                      | 10,830 |   |
| Net      income                         |   | $                                         | 27,684 |   |
|                                    |   |                                      |   |   |
| Fixed      charges:                     |   |                                      |   |   |
| Interest      on borrowings             |   | $                                         | 253,401 |   |
| One-third      of rent expense          |   |                                      | 2,858 |   |
| Total      fixed charges                |   | $                                         | 256,259 |   |
|                                    |   |                                      |   |   |
| Earnings      (for ratio calculation)   |   | $                                         | 294,773 |   |
|                                    |   |                                      |   |   |
| Ratio      of earnings to fixed charges |   |                                      | 1.15x |   |

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