Exhibit 12.1

	For the years ended December 31,
(Dollars in thousands)	2011		2010		2009			2008		2007
Earnings: (1)
Income (loss) before income tax expense	$	6,159	$	6,591	$	(4,669	)	$	3,508	$	7,163
Fixed charges		12,019		14,675		21,836			26,189		29,092
Total earnings (a)	$	18,178	$	21,266	$	17,167		$	29,697	$	36,255
Fixed charges (1):
Interest on deposits	$	8,367	$	10,709	$	17,379		$	22,306	$	25,535
Interest on borrowings		1,741		2,055		2,546			3,883		3,557
Dividends on preferred securities		1,911		1,911		1,911			—		—
Interest portion of rental expense		—		—		—			—		—
Capitalized interest		—		—		—			—		—
Total fixed charges (b)	$	12,019	$	14,675	$	21,836		$	26,189	$	29,092
Ratio of earnings to fixed charges (a/b)		1.51		1.45		0.79			1.13		1.25
Earnings, excluding interest on deposits:
Total earnings	$	18,178	$	21,266	$	17,167		$	29,697	$	36,255
Less interest on deposits		8,367		10,709		17,379			22,306		25,535
Total earnings (loss) excluding interest on deposits (c)	$	9,811	$	10,557	$	(212	)	$	7,391	$	10,720
Fixed charges, excluding interest on deposits:
Total fixed charges	$	12,019	$	14,675	$	21,836		$	26,189	$	29,092
Less interest on deposits		8,367		10,709		17,379			22,306		25,535
Total fixed charges, excluding interest on deposits (d)	$	3,652	$	3,966	$	4,457		$	3,883	$	3,557
Ratio of earnings to fixed charges, excluding interest on deposits (c/d) (2)		2.69		2.66		(0.05	)		1.90		3.01