Exhibit 12.1

Computation of Consolidated Ratio of Earnings to Fixed Charges

	Three
	Months
	Ended
	March 31,		Year Ended December 31,
	2016		2015		2014		2013		2012		2011
Earnings
Income before income taxes		9,771		33,356		29,109		27,035		25,410		24,401
Add: Fixed charges excluding interest on deposits		2,259		8,581		7,466		5,547		7,441		7,985
		12,030		41,937		36,575		32,582		32,851		32,386
Add: Interest on deposits		2,308		8,551		8,126		7,342		9,196		10,087
		14,338		50,488		44,701		39,924		42,047		42,473
Fixed Charges
Interest on borrowings:
Short-term		124		183		148		288		195		93
Long-term		1,974		7,795		6,774		4,734		6,736		7,387
		2,098		7,978		6,922		5,022		6,931		7,480
One-third of rent expense		161		603		544		525		510		505
Fixed charges excluding interest on deposits		2,259		8,581		7,466		5,547		7,441		7,985
Interest on deposits:
Savings, NOW and money market		933		2,564		1,955		2,302		3,393		4,035
Time		1,375		5,987		6,171		5,040		5,803		6,052
		2,308		8,551		8,126		7,342		9,196		10,087
Fixed charges including interest on deposits		4,567		17,132		15,592		12,889		16,637		18,072
Ratios of Earnings to Fixed Charges:
Excluding interest on deposits		5.33		4.89		4.90		5.87		4.41		4.06
Including interest on deposits		3.14		2.95		2.87		3.10		2.53		2.35