Exhibit 12.1

	For the six months ended June 30,		For the year ended December 31,
	2015		2014		2013		2012		2011		2010
INCLUDING INTEREST ON DEPOSITS
Earnings
Net income before income taxes		2,591,149		17,991,507		19,556,187		17,640,841		13,998,068		9,256,975
Plus: Total Fixed Charges (see below)		7,679,289		16,894,128		17,766,521		19,726,613		23,578,392		30,233,598
Less: Preferred stock dividends**		—		1,664,426		4,874,311		5,378,592		8,129,054		6,350,929
Total Earnings		10,270,438		33,221,209		32,448,397		31,988,862		29,447,406		33,139,644
Fixed Charges
Total interest expense		7,679,289		16,894,128		17,766,521		19,726,613		23,578,392		30,233,598
Interest included in operating lease rental expense		—		—		—		—		—		—
Total Fixed Charges		7,679,289		16,894,128		17,766,521		19,726,613		23,578,392		30,233,598
Preferred stock dividends**		—		1,664,426		4,874,311		5,378,592		8,129,054		6,350,929
Total Fixed Charges and Preferred Stock Dividends		7,679,289		18,558,554		22,640,832		25,105,205		31,707,446		36,584,527
Ratio of Earnings to Fixed Charges		1.34		1.97		1.83		1.62		1.25		1.10
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends		1.34		1.79		1.43		1.27		0.93		0.91
EXCLUDING INTEREST ON DEPOSITS
Earnings
Net income before income taxes		2,591,149		17,991,507		19,556,187		17,640,841		13,998,068		9,256,975
Plus: Total Fixed Charges excluding interest on deposits (see below)		5,523,357		12,385,207		13,052,215		13,507,900		14,639,336		17,551,973
Less: Preferred stock dividends**		—		1,664,426		4,874,311		5,378,592		8,129,054		6,350,929
Total Earnings		8,114,506		28,712,288		27,734,091		25,770,149		20,508,350		20,458,019
Fixed Charges
Total interest expense		7,679,289		16,894,128		17,766,521		19,726,613		23,578,392		30,233,598
Interest included in operating lease rental expense		—		—		—		—		—		—
Less: Interest expense on deposits		2,155,932		4,508,921		4,714,306		6,218,713		8,939,056		12,681,625
Total Fixed Charges (excluding interest on deposits)		5,523,357		12,385,207		13,052,215		13,507,900		14,639,336		17,551,973
Preferred stock dividends**		—		1,664,426		4,874,311		5,378,592		8,129,054		6,350,929
Total Fixed Charges and Preferred Stock Dividends (excluding interest on deposits)		5,523,357		14,049,633		17,926,526		18,886,492		22,768,390		23,902,902
Ratio of Earnings to Fixed Charges		1.47		2.32		2.12		1.91		1.40		1.17
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends		1.47		2.04		1.55		1.36		0.90		0.86

** The preferred stock dividend amounts have been grossed up to compute the pre-tax income equivalent assuming an estimated 35% tax rate.