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Exhibit 12.1
Statement of Ratios of Earnings to Fixed Charges
Year ended December 31, | ||||||||||||||||||||
2011 | 2010 | 2009 | 2008 | 2007 | ||||||||||||||||
(Dollars in Thousands) | ||||||||||||||||||||
Earnings: | ||||||||||||||||||||
1. Income before income taxes | $ | 21,337 | $ | 7,226 | $ | 4,717 | $ | 7,409 | $ | 923 | ||||||||||
2. Plus: interest expense | 12,177 | 14,785 | 22,645 | 24,095 | 30,630 | |||||||||||||||
3. Earnings including interest on deposits | 33,514 | 22,011 | 27,362 | 31,504 | 31,553 | |||||||||||||||
4. Less: interest on deposits | 5,520 | 6,006 | 12,308 | 13,287 | 20,835 | |||||||||||||||
5. Earnings excluding interest on deposits | $ | 27,994 | $ | 16,005 | $ | 15,054 | $ | 18,217 | $ | 10,718 | ||||||||||
Fixed Charges: | ||||||||||||||||||||
6. Interest expense (Line 2) | $ | 12,177 | $ | 14,785 | $ | 22,645 | $ | 24,095 | $ | 30,630 | ||||||||||
7. Less: interest expense on deposits (Line 4) | 5,520 | 6,006 | 12,308 | 13,287 | 20,835 | |||||||||||||||
8. Excluding interest on deposits | $ | 6,657 | $ | 8,779 | $ | 10,337 | $ | 10,808 | $ | 9,795 | ||||||||||
Ratio of Earnings to Fixed Charges: | ||||||||||||||||||||
Including interest on deposits | 2.75 | 1.49 | 1.21 | 1.31 | 1.03 | |||||||||||||||
Excluding interest on deposits | 4.21 | 1.82 | 1.46 | 1.69 | 1.09 |