Exhibit 12.1

CALCULATION OF CONSOLIDATED RATIOS OF EARNINGS TO FIXED CHARGES

	Six Months Ended		Years Ended  December 31,
(Dollars in thousands)	June 30, 2014		2013		2012		2011		2010		2009
Earnings
Pre-tax income from continuing operations	$	4,890	$	10,422	$	7,766	$	4,695	$	7,409	$	4,478
Interest on deposits		2,367		5,581		8,434		10,718		10,938		12,231
Interest on debt		1,058		2,065		2,170		2,403		2,642		3,935
Fixed charges excluding preferred stock dividend		3,425		7,646		10,604		13,121		13,580		16,166
Total earnings including interest on deposits	$	8,315	$	18,068	$	18,370	$	17,816	$	20,989	$	20,644
Total earnings excluding interest on deposits	$	5,948	$	12,487	$	9,936	$	7,098	$	10,051	$	8,413
Fixed Charges and Preferred Stock Dividends
Interest on deposits	$	2,367	$	5,581	$	8,434	$	10,718	$	10,938	$	12,231
Interest on debt		1,058		2,065		2,170		2,403		2,642		3,935
Total fixed charges		3,425		7,646		10,604		13,121		13,580		16,166
Preferred stock dividend		160		313		311		998		1,317		1,323
Combined fixed charges and preferred stock dividends	$	3,585	$	7,959	$	10,915	$	14,119	$	14,897	$	17,489
Combined fixed charges excluding interest on deposits	$	1,058	$	2,065	$	2,170	$	2,403	$	2,642	$	3,935
Combined fixed charges and preferred stock dividends excluding interest on deposits	$	1,218	$	2,378	$	2,481	$	3,401	$	3,959	$	5,258
Ratio of earnings to fixed charges
Including deposits		2.43		2.36		1.73		1.36		1.55		1.28
Excluding deposits		5.62		6.05		4.58		2.95		3.80		2.14
Ratio of earnings to combined fixed charges and preferred stock dividends
Including deposits		2.32		2.27		1.68		1.26		1.41		1.18
Excluding deposits		4.88		5.25		4.00		2.09		2.54		1.60