Exhibit 12.1

	Nine Months Ended September 30,		Years Ended December 31
	2012		2011		2010		2009		2008		2007
Including Interest Paid on Deposits:
Earnings before income taxes	$	13,819	$	15,022	$	13,213	$	12,812	$	13,038	$	12,337
Combined fixed charges:
Interest expense on deposits	4,266		5,707		5,845		7,223		8,954		10,144
Interest expense on trust preferred securities	1,024		1,366		1,365		190		—		—
Interest expense on borrowed funds	369		543		530		402		535		293
Appropriate portion (1/3) of rent expense	373		449		452		338		265		235
Total fixed charges	$	6,302	$	8,065	$	8,192	$	8,153	$	9,754	$	10,672
Earnings before income taxes and fixed charges	$	19,851	$	23,087	$	21,405	$	20,965	$	22,792	$	23,009
Ratio of earnings to fixed charges	3.29		2.86		2.61		2.57		2.34		2.16
Excluding Interest Paid on Deposits:
Earnings before income taxes	$	13,819	$	15,022	$	13,213	$	12,812	$	13,038	$	12,337
Combined fixed charges:
Interest expense on trust preferred securities	1,024		1,366		1,365		190		—		—
Interest expense on borrowed funds	369		543		530		402		535		293
Appropriate portion (1/3) of rent expense	373		449		452		338		265		235
Total fixed charges	$	1,766	$	2,358	$	2,347	$	930	$	800	$	528
Earnings before income taxes and fixed charges	$	15,858	$	17,380	$	15,560	$	13,742	$	13,838	$	12,865
Ratio of earnings to fixed charges	8.83		7.37		6.63		14.78		17.30		24.37