|                                                    |   | Three Months Ended |   |
|---------------------------------------------------------|--------|--------------------|--------|
|                                                    |   | June 30, 2011      |   |   | June 30, 2010 |   |
| Ratio of Earnings to Fixed Charges (Including Deposits) |   |               |   |   |   |   |
| Earnings:                                               |   |               |   |   |   |   |
|    Income before income taxes            |   | $                  | 21,149 |   |   | $ | 16,037 |   |
|    Add:  Fixed charges, net    |   |               | 19,094 |   |   |   | 21,990 |   |
| Income before income taxes and fixed charges, net       |   |               | 40,243 |   |   |   | 38,027 |   |
| Fixed charges                                           |   |               |   |   |   |   |   |   |
|    Interest expense                      |   | $                  | 18,110 |   |   | $ | 20,968 |   |
|    One-third of rental expense           |   |               | 244    |   |   |   | 408 |   |
|    Interest on unrecognized tax benefits |   |               | 740    |   |   |   | 614 |   |
| Total fixed charges                                     |   |               | 19,094 |   |   |   | 21,990 |   |
| Ratio of Earnings to Fixed Charges                      |   |               | 2.11   |   |   |   | 1.73 |   |
|                                                    |   |               |   |   |   |   |   |   |
| Ratio of Earnings to Fixed Charges (Excluding Deposits) |   |               |   |   |   |   |   |   |
| Earnings:                                               |   |               |   |   |   |   |   |   |
|    Income before income taxes            |   | $                  | 21,149 |   |   | $ | 16,037 |   |
|    Add:  Fixed charges, net    |   |               | 12,296 |   |   |   | 13,980 |   |
| Income before income taxes and fixed charges, net       |   |               | 33,445 |   |   |   | 30,017 |   |
| Fixed charges                                           |   |               |   |   |   |   |   |   |
|    Interest expense (excluding deposits) |   |               | 11,312 |   |   |   | 12,958 |   |
|    One-third of rental expense           |   |               | 244    |   |   |   | 408 |   |
|    Interest on unrecognized tax benefits |   |               | 740    |   |   |   | 614 |   |
| Total fixed charges                                     |   |               | 12,296 |   |   |   | 13,980 |   |
| Ratio of Earnings to Fixed Charges                      |   |               | 2.72   |   |   |   | 2.15 |   |

|                                                    |   | Six Months Ended |   |
|---------------------------------------------------------|--------|------------------|--------|
|                                                    |   | June 30, 2011    |   |   | June 30, 2010 |   |
| Ratio of Earnings to Fixed Charges (Including Deposits) |   |             |   |   |   |   |
| Earnings:                                               |   |             |   |   |   |   |
|    Income before income taxes            |   | $                | 39,816 |   |   | $ | 32,175 |   |
|    Add:  Fixed charges, net    |   |             | 37,495 |   |   |   | 43,061 |   |
| Income before income taxes and fixed charges, net       |   |             | 77,311 |   |   |   | 75,236 |   |
| Fixed charges                                           |   |             |   |   |   |   |   |   |
|    Interest expense                      |   | $                | 36,262 |   |   | $ | 41,784 |   |
|    One-third of rental expense           |   |             | 493    |   |   |   | 663 |   |
|    Interest on unrecognized tax benefits |   |             | 740    |   |   |   | 614 |   |
| Total fixed charges                                     |   |             | 37,495 |   |   |   | 43,061 |   |
| Ratio of Earnings to Fixed Charges                      |   |             | 2.06   |   |   |   | 1.75 |   |
|                                                    |   |             |   |   |   |   |   |   |
| Ratio of Earnings to Fixed Charges (Excluding Deposits) |   |             |   |   |   |   |   |   |
| Earnings:                                               |   |             |   |   |   |   |   |   |
|    Income before income taxes            |   | $                | 39,816 |   |   | $ | 32,175 |   |
|    Add:  Fixed charges, net    |   |             | 23,912 |   |   |   | 27,458 |   |
| Income before income taxes and fixed charges, net       |   |             | 63,728 |   |   |   | 59,633 |   |
| Fixed charges                                           |   |             |   |   |   |   |   |   |
|    Interest expense (excluding deposits) |   |             | 22,679 |   |   |   | 26,181 |   |
|    One-third of rental expense           |   |             | 493    |   |   |   | 663 |   |
|    Interest on unrecognized tax benefits |   |             | 740    |   |   |   | 614 |   |
| Total fixed charges                                     |   |             | 23,912 |   |   |   | 27,458 |   |
| Ratio of Earnings to Fixed Charges                      |   |             | 2.67   |   |   |   | 2.17 |   |

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