Exhibit 12.1

Computation of Ratio of Earnings to Fixed Charges

and

Ratio of Earnings to Fixed Charges and Preferred Stock Dividends

	Years Ended December 31,
(dollars in thousands)		2017			2016			2015			2014			2013
Including Interest on Deposits Earnings:
Net income before income tax	$	26,471		$	50,431		$	35,415		$	15,467		$	20,528
Add - total fixed charges		24,427			16,781			13,696			20,390			16,539
Less - preferred stock dividends(a)		83			-			-			11,694			7,258
Total earnings	$	50,815		$	67,212		$	49,111		$	24,163		$	29,809
Fixed Charges:
Total interest expense	$	23,451		$	15,995		$	12,889		$	8,543		$	9,069
Interest included in operating lease rental expense(b)		893			786			807			153			212
Preferred stock dividends(a)		83			-			-			11,694			7,258
Total fixed charges	$	24,427		$	16,781		$	13,696		$	20,390		$	16,539
Ratio of earnings to fixed charges and preferred stock dividends		2.08	x		4.01	x		3.59	x		1.19	x		1.80	x
Ratio of earnings to fixed charges		2.09	x		4.01	x		3.59	x		2.78	x		3.21	x
Exclude Interest on Deposits Earnings:
Net income before taxes	$	26,471		$	50,431		$	35,415		$	15,467		$	20,528
Add - total fixed charges excluding interest on deposits		12,295			7,845			6,185			15,192			10,826
Less - preferred stock dividends(a)		83			-			-			11,694			7,258
Total earnings	$	38,683		$	58,276		$	41,600		$	18,965		$	24,096
Fixed Charges:
Total interest expense	$	23,451		$	15,995		$	12,889		$	8,543		$	9,069
Less - interest expense on deposits		12,132			8,936			7,511			5,198			5,713
Interest included in operating lease rental expense(b)		893			786			807			153			212
Preferred stock dividends(a)		83			-			-			11,694			7,258
Total fixed charges excluding interest on deposits	$	12,295		$	7,845		$	6,185		$	15,192		$	10,826
Ratio of earnings to fixed charges and preferred stock dividends		3.15	x		7.43	x		6.73	x		1.25	x		2.23	x
Ratio of earnings to fixed charges		3.17	x		7.43	x		6.73	x		5.42	x		6.75	x