Exhibit 12.1 Computation of Ratios
Net Income Per Share	= Net Income/Average Common Shares Outstanding
Cash Dividends Per Share	= Dividends Paid/Actual Common Shares Outstanding
Book Value Per Share	= Total Shareholders’ Equity/Actual Common Shares Outstanding
Return on Average Assets	= Net Income/Average Assets
Return on Average Shareholders’ Equity	= Net Income/Average Shareholders’ Equity
Net Interest Margin	= Net Interest Income/Average Earning Assets
Noninterest Expense to Average Assets	= Noninterest Expense/Average Assets
Efficiency Ratio (GAAP)	= Noninterest Expense/(Net Interest Income + Noninterest Income)
Average Loans to Deposits	= Average Net Loans/Average Deposits Outstanding
Dividend Payout	= Dividends Declared/Net Income
Average Shareholders’ Equity to Average Assets	= Average Shareholders’ Equity/Average Assets
Tier I Capital Ratio	= Shareholders’ Equity – Net Unrealized Gains on Available for Sale Securities-Intangible Assets +Qualifying Capital Securities (Tier I Capital)/ Risk Adjusted Assets
Total Capital Ratio	= (Tier I Capital +Qualifying Tier II Capital Securities +Allowance for Loan Losses +Qualifying Portion of Unrealized Gains on Available for Sale Marketable Equity Securities)/Risk Adjusted Assets
Tier I Leverage Ratio	= Tier I Capital/Average Assets
Net Charge-offs to Average Loans	= (Gross Charge-offs – Recoveries)/ Average Net Loans
Non-performing Loans to Period End Loans	= (Nonaccrual Loans + Loans Past Due 90 Days or Greater)/ Loans Net of Unearned Income
Non-performing Assets to Period End Assets	= (Nonaccrual Loans + Loans Past Due 90 Days or Greater + Troubled Debt Restructurings + Other Real Estate Owned)/Total Assets
Allowance for Loan Losses to Period End Loans	= Loan Loss Reserve/Loans Net of Unearned Income
Allowance for Loan Losses to Non-Performing Loans	= Loan Loss Reserve/(Nonaccrual Loans + Loans Past Due 90 days or Greater + Troubled Debt Restructurings)