Exhibit 12.1

Ratio of Earnings to Fixed Charges

	2012		2011		2010		2009
Pre tax income		24,418		13,229		7,754		6,350
Total fixed charges		12,321		12,852		15,195		16,691
		36,739		26,081		22,949		23,041
Interest expense		11,411		12,036		14,539		16,050
Interest on other liabilities		-		-		-		-
Amortization of subordinated debt origination expense		-		-		-		-
Estimated interest portion of rent expense (1)		910		816		656		641
		12,321		12,852		15,195		16,691
Preferred stock dividends on a tax equivalent basis		-		-		656		3,456
		12,321		12,852		15,851		20,117
		36,739		26,081		22,949		23,041
		12,321		12,852		15,851		20,117
Earnings to combined fixed charges and preferred
stock dividend requirements including interest on
deposits		2.98		2.03		1.45		1.15
Ratio of earnings to fixed charges		2.98		2.03		1.51		1.38
(1) Estimated to be 33% of rent expense paid.