Exhibit 12

COMPUTATION OF RATIOS

RETURN ON AVERAGE ASSETS	Net income/Average assets
RETURN ON AVERAGE SHAREHOLDERS’ EQUITY	Net income/Average shareholders’ equity
DIVIDEND PAYOUT RATIO	Dividends declared/Net income
NET INTEREST MARGIN, FULLY-TAXABLE EQUIVALENT	Fully-taxable equivalent net interest income/Average earning assets
AVERAGE LOANS TO AVERAGE DEPOSITS	Average gross loans/Average deposits
AVERAGE SHAREHOLDERS’ EQUITY TO AVERAGE ASSETS	Average shareholders’ equity/Average assets
ALLOWANCE FOR LOAN LOSSES TO PERIOD-END LOANS	Allowance for loan losses/Gross loans net of unearned interest
ALLOWANCE FOR LOAN LOSSES TO TOTAL NON-PERFORMING LOANS	Allowance for loan losses/(Nonaccrual loans plus loans past due 90 days or greater plus renegotiated loans)
NON-PERFORMING LOANS TO PERIOD-END LOANS	(Nonaccrual loans plus loans past due 90 days or greater plus renegotiated loans)/Gross loans net of unearned interest
NET CHARGE-OFFS TO AVERAGE LOANS	Net charge-offs/Average gross loans net of unearned interest