Exhibit 12.1

Computation of Ratio of Earnings to Fixed Charges

	For the years ended December 31,
	2016		2015	2014	2013	2012
Including Interest on Deposits:
Earnings:
Income before income taxes	$	20,369	15,536	9,738	7,536	5,695
Fixed charges		8,192	7,501	6,908	7,097	8,702
Total earnings	$	28,561	23,037	16,646	14,633	14,397
Fixed charges:
Interest on deposits	$	3,941	3,585	2,820	2,862	4,177
Interest on borrowings		4,251	3,916	4,088	4,235	4,525
Total fixed charges		8,192	7,501	6,908	7,097	8,702
Preferred dividend requirements		-	-	-	-	-
Total fixed charges and preferred dividends	$	8,192	7,501	6,908	7,097	8,702
Ratio of earnings to fixed charges, including interest on deposits		3.49 x	3.07 x	2.41 x	2.06 x	1.65 x
Ratio of earnings to fixed charges and preferred dividends,
including interest on deposits		3.49 x	3.07 x	2.41 x	2.06 x	1.65 x
Excluding Interest on Deposits:
Earnings:
Income before income taxes	$	20,369	15,536	9,738	7,536	5,695
Fixed charges		4,251	3,916	4,088	4,235	4,525
Total earnings	$	24,620	19,452	13,826	11,771	10,220
Fixed charges:
Interest on borrowings	$	4,251	3,916	4,088	4,235	4,525
Total fixed charges		4,251	3,916	4,088	4,235	4,525
Preferred dividend requirements		-	-	-	-	-
Total fixed charges and preferred dividends	$	4,251	3,916	4,088	4,235	4,525
Ratio of earnings to fixed charges, excluding interest on deposits		5.79 x	4.97 x	3.38 x	2.78 x	2.26 x
Ratio of earnings to fixed charges and preferred dividends,
excluding interest on deposits		5.79 x	4.97 x	3.38 x	2.78 x	2.26 x