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Exhibit 12

RATIO OF EARNINGS TO FIXED CHARGES
AND PREFERRED STOCK DIVIDEND REQUIREMENT

	Years Ended December 31,
(dollars in thousands)	2011		2010		2009		2008		2007
Earnings:
Income before income taxes	$	38,289	$	25,755	$	16,384	$	11,551	$	11,970
Fixed charges, excluding preferred stock dividend requirement		20,077		19,832		24,809		23,676		23,729
Total earnings including fixed charges(a)	$	58,366	$	45,587	$	41,193	$	35,227	$	35,699
Fixed charges:
Interest on deposits	$	17,248	$	16,886	$	20,956	$	19,543	$	19,810
Interest on customer repurchase agreements and federal funds purchased		685		731		957		1,406		1,887
Interest on short-term borrowings		—		27		611		546		611
Interest on long-term borrowings deposits		2,144		2,188		2,285		2,181		1,421
Preferred stock dividend requirements (pre-tax)		2,356		2,009		3,628		275		—
Total fixed charges(b)	$	22,433	$	21,841	$	28,437	$	23,951	$	23,729
Ratio of earnings to fixed charges and preferred stock dividend requirement (pre-tax)(a/b)		2.60		2.09		1.45		1.47		1.50
Earnings, excluding interest on deposits:
Total earnings including fixed charges	$	58,366	$	45,587	$	41,193	$	35,227	$	35,699
Less interest on deposits		17,248		16,886		20,956		19,543		19,810
Total earnings excluding interest on deposits(c)	$	41,118	$	28,701	$	20,237	$	15,684	$	15,889
Fixed charges, excluding interest on deposits:
Total fixed charges	$	22,433	$	21,841	$	28,437	$	23,951	$	23,729
Less interest on deposits		17,248		16,886		20,956		19,543		19,810
Total fixed charges, excluding interest on deposits(d)	$	5,185	$	4,955	$	7,481	$	4,408	$	3,919
Ratio of earnings to fixed charges and preferred stock dividend requirement (pre-tax), excluding interest on deposits(c/d)		7.93		5.79		2.71		3.56		4.05

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Exhibit 12

RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDEND REQUIREMENT