|                                                                                             | Three      Months Ended June 30,        |
|--------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------|
|                                                                                             | 2009                                                             | 2008   |
| Ratio      of Earnings to Fixed Charges and Preferred Stock Dividends (Including      Deposits): |                                                                       |   |
| Earnings:                                                                                        |                                                                       |   |
|    Income      before income taxes                                                | $10,569                                                                    | $12,402 |
|    Add:  Fixed      charges, net                                        | 26,102                                                                     | 26,728 |
| Income      before income taxes and fixed charges, net                                           | 36,671                                                                     | 39,130 |
| Fixed      charges                                                                               |                                                                       |   |
|    Interest      expense                                                          | 25,431                                                                     | 26,158 |
|    Estimate      of interest (1/3) within rental expense                          | 174                                                                        | 168 |
|    Interest      on unrecognized tax benefits                                     | 497                                                                        | 402 |
| Total      fixed charges                                                                         | 26,102                                                                     | 26,728 |
| Ratio      of Earnings to Fixed Charges                                                          | 1.40                                                                       | 1.46 |
|                                                                                             |                                                                       |   |
| Ratio      of Earnings to Fixed Charges and Preferred Stock Dividends (Excluding      Deposits): |                                                                       |   |
| Earnings:                                                                                        |                                                                       |   |
|    Income      before income taxes                                                | $10,569                                                                    | $12,402 |
|    Add:  Fixed      charges, net                                        | 14,384                                                                     | 12,276 |
| Income      before income taxes and fixed charges, net                                           | 24,953                                                                     | 24,678 |
| Fixed      charges                                                                               |                                                                       |   |
|    Interest      expense (excluding deposits)                                     | 13,713                                                                     | 11,706 |
|    Estimate      of interest (1/3) within rental expense                          | 174                                                                        | 168 |
|    Interest      on unrecognized tax benefits                                     | 497                                                                        | 402 |
| Total      fixed charges                                                                         | 14,384                                                                     | 12,276 |
| Ratio      of Earnings to Fixed Charges                                                          | 1.73                                                                       | 2.01 |

|                                                                                             |                       Six Months Ended June      30,           |
|--------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                             | 2009                                                                                                                                                                              | 2008   |
| Ratio      of Earnings to Fixed Charges and Preferred Stock Dividends (Including      Deposits): |                                                                                                                                                                                        |   |
| Earnings:                                                                                        |                                                                                                                                                                                        |   |
|    Income      before income taxes                                                | $14,416                                                                                                                                                                                     | $21,460 |
|    Add:  Fixed      charges, net                                        | 54,538                                                                                                                                                                                      | 55,861 |
| Income      before income taxes and fixed charges, net                                           | 68,954                                                                                                                                                                                      | 77,321 |
| Fixed      charges                                                                               |                                                                                                                                                                                        |   |
|    Interest      expense                                                          | $53,685                                                                                                                                                                                     | $55,157 |
|    Estimate      of interest (1/3) within rental expense                          | 356                                                                                                                                                                                         | 302 |
|    Interest      on unrecognized tax benefits                                     | 497                                                                                                                                                                                         | 402 |
| Total      fixed charges                                                                         | 54,538                                                                                                                                                                                      | 55,861 |
| Ratio      of Earnings to Fixed Charges                                                          | 1.26                                                                                                                                                                                        | 1.38 |
|                                                                                             |                                                                                                                                                                                        |   |
| Ratio      of Earnings to Fixed Charges and Preferred Stock Dividends (Excluding      Deposits): |                                                                                                                                                                                        |   |
| Earnings:                                                                                        |                                                                                                                                                                                        |   |
|    Income      before income taxes                                                | $14,416                                                                                                                                                                                     | $21,460 |
|    Add:  Fixed      charges, net                                        | 28,608                                                                                                                                                                                      | 23,441 |
| Income      before income taxes and fixed charges, net                                           | 43,024                                                                                                                                                                                      | 44,901 |
| Fixed      charges                                                                               |                                                                                                                                                                                        |   |
|    Interest      expense (excluding deposits)                                     | 27,755                                                                                                                                                                                      | 22,737 |
|    Estimate      of interest (1/3) within rental expense                          | 356                                                                                                                                                                                         | 302 |
|    Interest      on unrecognized tax benefits                                     | 497                                                                                                                                                                                         | 402 |
| Total      fixed charges                                                                         | 28,608                                                                                                                                                                                      | 23,441 |
| Ratio      of Earnings to Fixed Charges                                                          | 1.50                                                                                                                                                                                        | 1.92 |