Exhibit 12.1

	For the nine months ended Sept 30,		For the year ended December 31,
	2016		2015		2014		2013		2012		2011
INCLUDING INTEREST ON DEPOSITS
Earnings
Net income before income taxes		25,187,832		20,597,123		17,991,507		19,556,187		17,640,841		13,998,068
Plus: Total Fixed Charges (see below)		8,994,966		13,706,529		16,894,128		17,766,521		19,726,613		23,578,392
Less: Preferred stock dividends		—		—		1,664,426		4,874,311		5,378,592		8,129,054
Total Earnings		34,182,798		34,303,652		33,221,209		32,448,397		31,988,862		29,447,406
Fixed Charges
Total interest expense		8,994,966		13,706,529		16,894,128		17,766,521		19,726,613		23,578,392
Interest included in operating lease rental exp		—		—		—		—		—		—
Total Fixed Charges		8,994,966		13,706,529		16,894,128		17,766,521		19,726,613		23,578,392
Preferred stock dividends		—		—		1,664,426		4,874,311		5,378,592		8,129,054
Total Fixed Charges and Preferred Stock Dividends		8,994,966		13,706,529		18,558,554		22,640,832		25,105,205		31,707,446
Ratio of Earnings to Fixed Charges		3.80		2.50		1.97		1.83		1.62		1.25
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends		3.80		2.50		1.79		1.43		1.27		0.93
EXCLUDING INTEREST ON DEPOSITS
Earnings
Net income before income taxes		25,187,832		20,597,123		17,991,507		19,556,187		17,640,841		13,998,068
Plus: Total Fixed Charges excluding interest on deposits (see below)		4,888,739		9,210,991		12,385,207		13,052,215		13,507,900		14,639,336
Less: Preferred stock dividends		—		—		1,664,426		4,874,311		5,378,592		8,129,054
Total Earnings		30,076,571		29,808,114		28,712,288		27,734,091		25,770,149		20,508,350
Fixed Charges
Total interest expense		8,994,966		13,706,529		16,894,128		17,766,521		19,726,613		23,578,392
Interest included in operating lease rental exp		—		—		—		—		—		—
Less: Interest expense on deposits		4,106,227		4,495,538		4,508,921		4,714,306		6,218,713		8,939,056
Total Fixed Charges (excluding interest on deposits)		4,888,739		9,210,991		12,385,207		13,052,215		13,507,900		14,639,336
Preferred stock dividends		—		—		1,664,426		4,874,311		5,378,592		8,129,054
Total Fixed Charges and Preferred Stock Dividends (excluding interest on deposits)		4,888,739		9,210,991		14,049,633		17,926,526		18,886,492		22,768,390
Ratio of Earnings to Fixed Charges		6.15		3.24		2.32		2.12		1.91		1.40
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends		6.15		3.24		2.04		1.55		1.36		0.90

** The preferred stock dividend amounts have been grossed up to compute the pre-tax income equivalent assuming an estimated 35% tax rate.