|                                                                                             |                                               Three Months Ended March 31, |
|--------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                             | 2009                                                                                                                                                                                                                                                                     | 2008   |
| Ratio      of Earnings to Fixed Charges and Preferred Stock Dividends (Including      Deposits): |                                                                                                                                                                                                                                                                               |   |
| Earnings:                                                                                        |                                                                                                                                                                                                                                                                               |   |
|    Income      before income taxes                                                | $3,846                                                                                                                                                                                                                                                                             | $9,058 |
|    Add:  Fixed      charges, net                                        | 28,912                                                                                                                                                                                                                                                                             | 29,687 |
| Income      before income taxes and fixed charges, net                                           | 32,758                                                                                                                                                                                                                                                                             | 38,745 |
| Fixed      charges                                                                               |                                                                                                                                                                                                                                                                               |   |
|    Interest      expense                                                          | 28,254                                                                                                                                                                                                                                                                             | 28,999 |
|    Estimate      of interest (1/3) within rental expense                          | 182                                                                                                                                                                                                                                                                                | 134 |
|    Interest      on unrecognized tax benefits                                     | 476                                                                                                                                                                                                                                                                                | 554 |
| Total      fixed charges                                                                         | 28,912                                                                                                                                                                                                                                                                             | 29,687 |
| Ratio      of Earnings to Fixed Charges                                                          | 1.13                                                                                                                                                                                                                                                                               | 1.31 |
|                                                                                             |                                                                                                                                                                                                                                                                               |   |
| Ratio      of Earnings to Fixed Charges and Preferred Stock Dividends (Excluding      Deposits): |                                                                                                                                                                                                                                                                               |   |
| Earnings:                                                                                        |                                                                                                                                                                                                                                                                               |   |
|    Income      before income taxes                                                | $3,846                                                                                                                                                                                                                                                                             | $9,058 |
|    Add:  Fixed      charges, net                                        | 14,700                                                                                                                                                                                                                                                                             | 11,719 |
| Income      before income taxes and fixed charges, net                                           | 18,546                                                                                                                                                                                                                                                                             | 20,777 |
| Fixed      charges                                                                               |                                                                                                                                                                                                                                                                               |   |
|    Interest      expense (excluding deposits)                                     | 14,042                                                                                                                                                                                                                                                                             | 11,031 |
|    Estimate      of interest (1/3) within rental expense                          | 182                                                                                                                                                                                                                                                                                | 134 |
|    Interest      on unrecognized tax benefits                                     | 476                                                                                                                                                                                                                                                                                | 554 |
| Total      fixed charges                                                                         | 14,700                                                                                                                                                                                                                                                                             | 11,719 |
| Ratio      of Earnings to Fixed Charges                                                          | 1.26                                                                                                                                                                                                                                                                               | 1.77 |