EXHIBIT 12.1

STATEMENT OF COMPUTATION OF CONSOLIDATED RATIOS OF

EARNINGS TO FIXED CHARGES AND OF EARNINGS TO COMBINED FIXED CHARGES AND

PREFERRED STOCK DIVIDENDS

	For the Six		For the Year Ended December 31,
	Months Ended
(Dollars in thousands)	June 30, 2018		2017		2016		2015		2014		2013
Excluding Interest on Deposits:
Earnings:
Income before income taxes	$	23,028	$	57,203	$	45,282	$	14,816	$	24,178	$	29,084
Fixed charges (excluding preferred share dividends)	3,693		6,361		4,995		4,844		4,905		4,950
Total earnings	26,721		63,564		50,277		19,660		29,083		34,034
Fixed charges:
Interest expense (excluding deposit interest)	3,514		5,993		4,637		4,515		4,588		4,634
Rent/lease expense interest factor (1)	179		368		358		329		317		316
Total fixed charges (excluding deposit interest)	3,693		6,361		4,995		4,844		4,905		4,950
Ratio of Earnings to Fixed Charges,
Excluding Interest on Deposits (2)	7.24		9.99		10.07		4.06		5.93		6.88
Including Interest on Deposits:
Earnings:
Income before income taxes	$	23,028	$	57,203	$	45,282	$	14,816	$	24,178	$	29,084
Fixed charges (excluding preferred share dividends)	9,007		13,516		10,936		11,050		11,011		12,002
Total earnings	32,035		70,719		56,218		25,866		35,189		41,086
Fixed charges:
Interest expense (including deposit interest)	8,828		13,147		10,579		10,721		10,694		11,686
Rent/lease expense interest factor (1)	179		368		358		329		317		316
Total fixed charges (including deposit interest)	9,007		13,515		10,937		11,050		11,011		12,002
Ratio of Earnings to Fixed Charges,
Including Interest on Deposits (2)	3.56		5.23		5.14		2.34		3.20		3.42

⁽¹⁾ For purposes of computing the ratios, earnings consist of income before income taxes and fixed charges. Fixed charges consist of interest on borrowings and long-term debt, including/excluding interest on deposits, and one-third of gross rental expense (which we believe is representative of the interest factor).

⁽²⁾ No preferred shares were issued or outstanding during any of the periods presented.