EXHIBIT 12

RATIOS OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDENDS

The consolidated ratios of fixed charges and preferred stock dividends to earnings for each of the five years indicated below are as follows:

	Year E nded December 31,
	2013		2012		2011		2010		2009
Earnings:
Income before income taxes	$	26,924	$	27,989	$	16,983	$	13,397	$	11,210
Plus interest expense		13,503		14,322		16,501		20,875		27,894
Earnings including interest on deposits		40,427		42,311		33,484		34,272		39,104
Less interest on deposits		5,672		6,206		8,346		10,711		14,792
Earnings excluding interest on deposits	$	34,755	$	36,105	$	25,138	$	23,561	$	24,312
Fixed charges and preferred stockdividend requirements (pre-tax):
Including interest on depositsand capitalized interest	$	13,503	$	14,322	$	16,501	$	22,677	$	29,614
Less interest on deposits		5,672		6,206		8,346		10,711		14,792
Excluding interest on deposits	$	7,831	$	8,116	$	8,155	$	11,966	$	14,822
Ratio of earnings to fixed chargesand preferred stock dividendrequirements (pre-tax):
Including interest on deposits		2.99		2.95		2.03		1.51		1.32
Excluding interest on deposits		4.44		4.45		3.08		1.97		1.64