Exhibit 12.1

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

	Six Months Ended June 30,	Year Ended December 31,
(dollars in thousands)	2017	2016		2015		2014		2013		2012
Income (loss) before income taxes.................	$ 14,245	$ 24,504	$ 24,361		$ 15,897		$ 11,843		$ (72)
Plus:
Total Fixed Charges (See below).....................	6,206	9,938	12,198		16,447		14,638		22,370
Less:
Preferred stock dividends (1).........................	-	-	3,122		5,463		852		6,635
Total Earnings (Loss).....................................	20,451	34,442	33,437		26,881		25,629		15,663
Fixed Charges
Total interest expense (2)...............................	6,206	9,938	9,076		10,984		13,786		15,735
Interest included in operating lease rental expense	-	-	-		-		-		-
Preferred stock dividends (1).........................	-	-	3,122		5,463		852		6,635
Total Fixed Charges.......................................	6,206	9,938	12,198		16,447		14,638		22,370
Ratio of earnings to fixed charges and preferred stock dividend	3.30	3.47	2.74		1.63		1.75		0.70
Ratio of earnings (loss) to fixed charges.........	3.30	3.47	3.68		2.45		1.86		1.00
Earnings
Income (loss) before income taxes .................	14,245	24,504	24,361		15,897		11,843		(72)
Plus:
Total Fixed Charges excluding interest on deposits (See below)	3,746	5,509	8,263		11,209		7,005		12,499
Less:
Preferred stock dividends (1).........................	-	-	3,122		5,463		852		6,635
Total Earnings (Loss).....................................	17,991	30,013	29,502		21,643		17,996		5,792
Fixed Charges
Total interest expense (2)...............................	6,206	9,938	9,076		10,984		13,786		15,735
Interest included in operating lease rental expense	-	-	-		-		-		-
Preferred stock dividends (1).........................	-	-	3,122		5,463		852		6,635
Less:     Interest expense on deposits.......................	2,460	4,429	3,935		5,238		7,633		9,871
Total Fixed Charges excluding interest on deposits	$3,746	$ 5,509	$ 8,263		$ 11,209		$ 7,005		$ 12,499
Ratio of earnings (loss) to fixed charges and preferred stock dividends (excluding interest on deposits)	4.80	5.45	3.57		1.93		2.57		0.46
Ratio of earnings (loss) to fixed charges (excluding interest on deposits)	4.80	5.45	5.74		3.77		2.92		0.99
(1)  The preferred stock dividends amount has been grossed up to compute the pre-tax income equivalent assuming an estimated 40% tax rate. (2)  Interest expense includes interest expense on deposits and other debt and amortization of debt issuance costs.

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