Exhibit 12.1

Computation of Earnings to Fixed Charges and Ratio of Earnings to Combined Fixed Charges and Preferred Stock Dividend Requirements

|                                                                                            |                                                                                                                   |                                                        |   | Year ended December 31,
|------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------ | - | -----------------------
|
|
|
|a. Ratio of Earnings to Fixed Charges                                                       |                                                                                                                   |                                                        |   |                        
|Including Interest on Deposits                                                              |                                                                                                                   |                                                        |   |                        
|                                                                                            | Earnings:                                                                                                         |                                                        |   |                        
|                                                                                            |                                                                                                                   | Income from operations before income taxes             |   | $                      
|                                                                                            |                                                                                                                   | Fixed charges                                          |   |                        
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Earnings, for computation purposes                                                                                |                                                        | $ | 1,564,507              
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Fixed Charges:                                                                                                    |                                                        |   |                        
|                                                                                            |                                                                                                                   | Interest on borrowings                                 |   | $                      
|                                                                                            |                                                                                                                   | Interest on deposits                                   |   |                        
|                                                                                            |                                                                                                                   | Portion of rents representative of the interest factor |   |                        
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Fixed charges, including interest on deposits, for computation purposes                                           |                                                        | $ | 730,926                
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Ratio of earnings to fixed charges, including interest on deposits                                                |                                                        |   | 2.14                   
|Excluding Interest on Deposits                                                              |                                                                                                                   |                                                        |   |                        
|                                                                                            | Earnings:                                                                                                         |                                                        |   |                        
|                                                                                            |                                                                                                                   | Income from operations before income taxes             |   | $                      
|                                                                                            |                                                                                                                   | Fixed charges                                          |   |                        
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Earnings, for computation purposes                                                                                |                                                        | $ | 904,720                
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Fixed Charges:                                                                                                    |                                                        |   |                        
|                                                                                            |                                                                                                                   | Interest on borrowings                                 |   | $                      
|                                                                                            |                                                                                                                   | Portion of rents representative of the interest factor |   |                        
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Fixed charges, excluding interest on deposits, for computation purposes                                           |                                                        | $ | 71,139                 
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Ratio of earnings to fixed charges, excluding interest on deposits                                                |                                                        |   | 12.72                  
|b. Ratio of Earnings to Combined Fixed Charges and Preferred Stock Dividend Requirements(1) |                                                                                                                   |                                                        |   |                        
|Including Interest on Deposits                                                              |                                                                                                                   |                                                        |   |                        
|                                                                                            | Earnings:                                                                                                         |                                                        |   |                        
|                                                                                            |                                                                                                                   | Income from operations before income taxes             |   | $                      
|                                                                                            |                                                                                                                   | Fixed charges                                          |   |                        
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Earnings, for computation purposes                                                                                |                                                        | $ | 1,564,507              
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Fixed Charges and Preferred Stock:                                                                                |                                                        |   |                        
|                                                                                            |                                                                                                                   | Dividend Requirements                                  |   |                        
|                                                                                            |                                                                                                                   | Interest on borrowings                                 |   | $                      
|                                                                                            |                                                                                                                   | Interest on deposits                                   |   |                        
|                                                                                            |                                                                                                                   | Portion of rents representative of the interest factor |   |                        
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Fixed charges, including interest on deposits, for computation purposes                                           |                                                        | $ | 730,926                
|                                                                                            | Preferred stock dividend requirements                                                                             |                                                        |   |                       
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Fixed charges and preferred stock dividend requirements, including interest on deposits, for computation purposes |                                                        | $ | 730,926                
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Ratio of earnings to fixed charges and preferred stock dividend requirements, including interest on deposits      |                                                        |   | 2.14                   
|Excluding Interest On Deposits                                                              |                                                                                                                   |                                                        |   |                        
|                                                                                            | Earnings:                                                                                                         |                                                        |   |                        
|                                                                                            |                                                                                                                   | Income from operations before income taxes             |   | $                      
|                                                                                            |                                                                                                                   | Fixed charges                                          |   |                        
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Earnings, for computation purposes                                                                                |                                                        | $ | 904,720                
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Fixed Charges and Preferred Stock:                                                                                |                                                        |   |                        
|                                                                                            |                                                                                                                   | Dividend Requirements                                  |   |                        
|                                                                                            |                                                                                                                   | Interest on borrowings                                 |   | $                      
|                                                                                            |                                                                                                                   | Portion of rents representative of the interest factor |   |                        
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Fixed charges, excluding interest on deposits, for computation purposes                                           |                                                        | $ | 71,139                 
|                                                                                            | Preferred stock dividend requirements                                                                             |                                                        |   |                       
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Fixed charges and preferred stock dividend requirements, excluding interest on deposits, for computation purposes |                                                        | $ | 71,139                 
|                                                                                            |                                                                                                                   |                                                        |   |                        
|                                                                                            | Ratio of earnings to fixed charges and preferred stock dividend requirements, excluding interest on deposits      |                                                        |   | 12.72                  

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