Exhibit 12.1

RATIO OF EARNINGS TO FIXED CHARGES

The consolidated ratios of earnings to fixed charges for each of the years indicated are as follows:

	Three Months Ended December 31,				For the Twelve Months Ended September 30,
(dollars in thousands)	2016		2015		2016		2015		2014		2013			2012
Earnings:
Income (Loss) before income taxes	$	1,462	$	1,344	$	5,976	$	3,698	$	344	$	(12,793	)	$	2,587
Plus: interest expense		1,866		1,476		6,732		5,248		5,071		6,944			8,412
Earnings including interest on deposits	$	3,328	$	2,820	$	12,708	$	8,946	$	5,415	$	(5,849	)	$	10,999
Less: interest on deposits		1,324		964		4,537		3,431		3,969		5,279			6,692
Earnings excluding interest on deposits	$	2,004	$	1,856	$	8,171	$	5,515	$	1,446	$	(11,128	)	$	4,307
Fixed charges (pre-tax)
Fixed charges including interest on deposits	$	1,866	$	1,476	$	6,732	$	5,248	$	5,071	$	6,944		$	8,412
Less: interest on deposits		1,324		964		4,537		3,431		3,969		5,279			6,692
Fixed charges excluding interest on deposits	$	524	$	512	$	2,195	$	1,817	$	1,102	$	1,665		$	1,720
Ratio of Earnings to Fixed Charges:
Excluding interest on deposits		3.7		3.6		3.7		3.0		1.3		-6.7			2.5
Including interest on deposits		1.8		1.9		1.9		1.7		1.1		-0.8			1.3