The Bancorp, Inc. (TBBK) S-3 Shelf registration

Exhibit 12.1

Ratio of Earnings to fixed charges
	Nine months ended September 30,		Year ended December 31,
	2013		2012		2011		2010		2009		2008
Pre tax income		27,513		24,418		13,229		7,754		6,350		(63,272	)
Total fixed charges		8,978		12,321		12,852		15,195		16,691		41,113
		36,491		36,739		26,081		22,949		23,041		(22,159	)
Interest expense		8,024		11,411		12,036		14,539		16,050		40,632
Interest on other liabilities		-		-		-		-		-		-
Amortization of subordinated debt origination expense		-		-		-		-		-		-
Estimated interest portion of rent expense (1)		954		910		816		656		641		481
		8,978		12,321		12,852		15,195		16,691		41,113
Preferred stock dividends on a tax equivalent basis		-		-		-		656		3,426		373
		8,978		12,321		12,852		15,851		20,117		41,486
		36,491		36,739		26,081		22,949		23,041		(22,159	)
		8,978		12,321		12,852		15,851		20,117		41,486
Earnings to combined fixed charges and preferred stock dividend requirements including interest ondeposits		4.06		2.98		2.03		1.45		1.15		(2	)
Ratio of earnings to fixed charges		4.06		2.98		2.03		1.51		1.38		(2	)
(1) Estimated to be 33% of rent expense paid.
(2) Earnings for the year ended December 31, 2008 were inadequate to cover fixed charges. The coverage deficiency was $63.3 million.

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