Exhibit 12.1

Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividends

	1Qr2016		2015		2014		2013		2012		2011
Income from continuing operations before income taxes		4,032		15,696		13,255		11,722		11,065		9,532
Fixed charges:
Interest on short-term borrowings		14		24		22		25		16		28
Interest on long-term debt		12		295		407		438		556		657
Branch rentals (454001) *		24		90		96		87		76		86
Equipment rental (461001) *		6		29		29		23		19		18
Phone equipment rental (461051) *		16		61		53		46		51		44
Preferred stock dividends and discount accretion		0		0		0		0		0		0
Total fixed charges, excluding interest on deposits		72		499		607		619		718		833
Interest on deposits		823		3,009		3,161		3,602		4,317		5,702
Total fixed charges, including interest on deposits		895		3,508		3,798		4,221		5,035		6,535
Income from continuing operations before income taxes and fixed charges (except preferred stock):
including interest on deposits		4,927		19,204		17,023		15,943		16,100		16,067
excluding interest on deposits		4,104		16,195		13,862		12,341		11,783		10,365
Ratio of earnings to fixed charges:
including interest on deposits		5.51		5.47		4.52		3.78		3.20		2.46
excluding interest on deposits		57.00		32.45		22.84		19.94		16.41		12.44

*  Amount shown is 1/3 of gross rental amount