|                                                                                   | Three Months Ended September 30,        |
|----------------------------------------------------------------------------------------|---------------------------------------------------------------------------------|
|                                                                                   | 2009                                                                  | 2008   |
| Ratio of Earnings to Fixed Charges and Preferred Stock Dividends (Including Deposits): |                                                                            |   |
| Earnings:                                                                              |                                                                            |   |
|    Income before income taxes                                           | $13,663                                                                         | $13,350 |
|    Add:  Fixed charges, net                                   | 23,830                                                                          | 27,924 |
| Income before income taxes and fixed charges, net                                      | 37,493                                                                          | 41,274 |
| Fixed charges                                                                          |                                                                            |   |
|    Interest expense                                                     | 23,121                                                                          | 27,326 |
|    Estimate of interest (1/3) within rental expense                     | 184                                                                             | 173 |
|    Interest on unrecognized tax benefits                                | 525                                                                             | 425 |
| Total fixed charges                                                                    | 23,830                                                                          | 27,924 |
| Ratio of Earnings to Fixed Charges                                                     | 1.57                                                                            | 1.48 |
|                                                                                   |                                                                            |   |
| Ratio of Earnings to Fixed Charges and Preferred Stock Dividends (Excluding Deposits): |                                                                            |   |
| Earnings:                                                                              |                                                                            |   |
|    Income before income taxes                                           | $13,663                                                                         | $13,350 |
|    Add:  Fixed charges, net                                   | 14,674                                                                          | 14,997 |
| Income before income taxes and fixed charges, net                                      | 28,337                                                                          | 28,347 |
| Fixed charges                                                                          |                                                                            |   |
|    Interest expense (excluding deposits)                                | 13,965                                                                          | 14,399 |
|    Estimate of interest (1/3) within rental expense                     | 184                                                                             | 173 |
|    Interest on unrecognized tax benefits                                | 525                                                                             | 425 |
| Total fixed charges                                                                    | 14,674                                                                          | 14,997 |
| Ratio of Earnings to Fixed Charges                                                     | 1.93                                                                            | 1.89 |

|                                                                                   |                  Nine Months Ended September 30,           |
|----------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                   | 2009                                                                                                                                                                                    | 2008   |
| Ratio of Earnings to Fixed Charges and Preferred Stock Dividends (Including Deposits): |                                                                                                                                                                                              |   |
| Earnings:                                                                              |                                                                                                                                                                                              |   |
|    Income before income taxes                                           | $28,079                                                                                                                                                                                           | $34,810 |
|    Add:  Fixed charges, net                                   | 77,871                                                                                                                                                                                            | 83,743 |
| Income before income taxes and fixed charges, net                                      | 105,950                                                                                                                                                                                           | 118,553 |
| Fixed charges                                                                          |                                                                                                                                                                                              |   |
|    Interest expense                                                     | $76,806                                                                                                                                                                                           | $82,843 |
|    Estimate of interest (1/3) within rental expense                     | 540                                                                                                                                                                                               | 475 |
|    Interest on unrecognized tax benefits                                | 525                                                                                                                                                                                               | 425 |
| Total fixed charges                                                                    | 77,871                                                                                                                                                                                            | 83,743 |
| Ratio of Earnings to Fixed Charges                                                     | 1.36                                                                                                                                                                                              | 1.42 |
|                                                                                   |                                                                                                                                                                                              |   |
| Ratio of Earnings to Fixed Charges and Preferred Stock Dividends (Excluding Deposits): |                                                                                                                                                                                              |   |
| Earnings:                                                                              |                                                                                                                                                                                              |   |
|    Income before income taxes                                           | $28,079                                                                                                                                                                                           | $34,810 |
|    Add:  Fixed charges, net                                   | 42,785                                                                                                                                                                                            | 38,036 |
| Income before income taxes and fixed charges, net                                      | 70,864                                                                                                                                                                                            | 72,846 |
| Fixed charges                                                                          |                                                                                                                                                                                              |   |
|    Interest expense (excluding deposits)                                | 41,720                                                                                                                                                                                            | 37,136 |
|    Estimate of interest (1/3) within rental expense                     | 540                                                                                                                                                                                               | 475 |
|    Interest on unrecognized tax benefits                                | 525                                                                                                                                                                                               | 425 |
| Total fixed charges                                                                    | 42,785                                                                                                                                                                                            | 38,036 |
| Ratio of Earnings to Fixed Charges                                                     | 1.66                                                                                                                                                                                              | 1.92 |