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Exhibit 12.1
Ratio of Earnings to Fixed Charges
2010 | 2009 | 2008 | 2007 | |||||||||||||
Pre tax income | 7,754 | 6,350 | (63,272 | ) | 23,678 | |||||||||||
Total fixed charges | 15,195 | 16,691 | 41,113 | 54,158 | ||||||||||||
Interest expense | 14,539 | 16,050 | 40,632 | 53,868 | ||||||||||||
Interest on other liabilities | - | - | - | - | ||||||||||||
Amortization of subordinated debt origination expense | - | - | - | - | ||||||||||||
Estimated interest portion of rent expense (2) | 656 | 641 | 481 | 290 | ||||||||||||
15,195 | 16,691 | 41,113 | 54,158 | |||||||||||||
Preferred stock dividends on a tax equivalent basis | 656 | 3,426 | 373 | 68 | ||||||||||||
15,851 | 20,117 | 41,486 | 54,226 | |||||||||||||
22,949 | 23,041 | (22,159 | ) | 77,836 | ||||||||||||
15,851 | 20,117 | 41,486 | 54,226 | |||||||||||||
Earnings to combined fixed charges and preferred | ||||||||||||||||
stock dividend requirements including interest on | ||||||||||||||||
deposits | 1.45 | 1.15 | nm | 1.44 | ||||||||||||
Ratio of earnings to fixed charges | 1.51 | 1.38 | nm | 1.44 | ||||||||||||
(1) The coverage deficiency was $63.3 million dollars for the year ended December 31, 2008. | ||||||||||||||||
(2) Estimated to be 33% of rent expense paid. |