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|                                                                                       |   | Years Ended December 31, |    |
|--------------------------------------------------------------------------------------------|--------|--------------------------|---------|
|                                                                                       |   | 2010                     |    |   | 2009 |   |   | 2008 |   |   | 2007 |   |   | 2006 |   |
| Including Interest on Deposits:                                                            |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |
| Earnings:                                                                                  |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |
| Income before income taxes                                                                 |   | $                        | 14,942  |   |   |   | 97,877 |   |   |   | 35,125 |   |   |   | 34,960 |   |   |   | 30,725 |   |
| Fixed charges                                                                              |   |                     | 32,087  |   |   |   | 49,075 |   |   |   | 61,483 |   |   |   | 69,837 |   |   |   | 54,856 |   |
| Total earnings                                                                             |   | $                        | 47,029  |   |   |   | 146,952 |   |   |   | 96,608 |   |   |   | 104,797 |   |   |   | 85,581 |   |
|                                                                                       |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Fixed charges:                                                                             |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest on deposits                                                                       |   | $                        | 29,930  |   |   |   | 45,518 |   |   |   | 53,241 |   |   |   | 59,553 |   |   |   | 46,032 |   |
| Interest on borrowings                                                                     |   |                     | 1,977   |   |   |   | 3,377 |   |   |   | 7,947 |   |   |   | 9,886 |   |   |   | 8,400 |   |
| Amortization of debt issuance costs                                                        |   |                     | — |   |   |   | — |   |   |   | 115 |   |   |   | 219 |   |   |   | 239 |   |
| Interest portion of rental expense (1)                                                     |   |                     | 180     |   |   |   | 180 |   |   |   | 180 |   |   |   | 179 |   |   |   | 185 |   |
| Total fixed charges                                                                        |   | $                        | 32,087  |   |   |   | 49,075 |   |   |   | 61,483 |   |   |   | 69,837 |   |   |   | 54,856 |   |
| Preferred dividend requirements                                                            |   |                     | 3,250   |   |   |   | 3,169 |   |   |   | — |   |   |   | — |   |   |   | — |   |
| Total fixed charges and preferred dividends                                                |   | $                        | 35,337  |   |   |   | 52,244 |   |   |   | 61,483 |   |   |   | 69,837 |   |   |   | 54,856 |   |
|                                                                                       |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Ratio of earnings to fixed charges, including interest on deposits                         |   |                     | 1.47    | x |   |   | 2.99 | x |   |   | 1.57 | x |   |   | 1.50 | x |   |   | 1.56 | x |
| Ratio of earnings to fixed charges and preferred dividends, including interest on deposits |   |                     | 1.33    | x |   |   | 2.81 | x |   |   | 1.57 | x |   |   | 1.50 | x |   |   | 1.56 | x |
|                                                                                       |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                       |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Excluding Interest on Deposits:                                                            |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Earnings:                                                                                  |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income before income taxes                                                                 |   | $                        | 14,942  |   |   |   | 97,877 |   |   |   | 35,125 |   |   |   | 34,960 |   |   |   | 30,725 |   |
| Fixed charges                                                                              |   |                     | 2,157   |   |   |   | 3,557 |   |   |   | 8,242 |   |   |   | 10,284 |   |   |   | 8,824 |   |
| Total earnings                                                                             |   | $                        | 17,099  |   |   |   | 101,434 |   |   |   | 43,367 |   |   |   | 45,244 |   |   |   | 39,549 |   |
|                                                                                       |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Fixed charges:                                                                             |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest on borrowings                                                                     |   | $                        | 1,977   |   |   |   | 3,377 |   |   |   | 7,947 |   |   |   | 9,886 |   |   |   | 8,400 |   |
| Amortization of debt issuance costs                                                        |   |                     | — |   |   |   | — |   |   |   | 115 |   |   |   | 219 |   |   |   | 239 |   |
| Interest portion of rental expense (1)                                                     |   |                     | 180     |   |   |   | 180 |   |   |   | 180 |   |   |   | 179 |   |   |   | 185 |   |
| Total fixed charges                                                                        |   | $                        | 2,157   |   |   |   | 3,557 |   |   |   | 8,242 |   |   |   | 10,284 |   |   |   | 8,824 |   |
| Preferred dividend requirements                                                            |   |                     | 3,250   |   |   |   | 3,169 |   |   |   | — |   |   |   | — |   |   |   | — |   |
| Total fixed charges and preferred dividends                                                |   | $                        | 5,407   |   |   |   | 6,726 |   |   |   | 8,242 |   |   |   | 10,284 |   |   |   | 8,824 |   |
|                                                                                       |   |                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Ratio of earnings to fixed charges, excluding interest on deposits                         |   |                     | 7.93    | x |   |   | 28.52 | x |   |   | 5.26 | x |   |   | 4.40 | x |   |   | 4.48 | x |
| Ratio of earnings to fixed charges and preferred dividends, excluding interest on deposits |   |                     | 3.16    | x |   |   | 15.08 | x |   |   | 5.26 | x |   |   | 4.40 | x |   |   | 4.48 | x |

| (1) | Estimated to be one-third of rental expense. |
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