Exhibit 12.1

Computation of Ratio of Earnings to Fixed Charges

(Dollars in thousands)

	Three Months Ended
	March 31,				Year ended December 31,
	2014		2013		2013		2012		2011		2010		2009
Computation of Earnings
Net income	$	15,104	$	13,824	$	48,349	$	67,303	$	66,739	$	59,251	$	221,337
Add: Income tax expense		7,081		6,351		19,234		36,442		38,300		32,702		132,639
Income from continuing operations before income taxes		22,185		20,175		67,583		103,745		105,039		91,953		353,976
Fixed charges, excluding interest on deposits		853		983		3,641		2,964		4,140		9,656		9,665
Total earnings for computation, excluding interest on deposits		23,038		21,158		71,224		106,709		109,179		101,609		363,641
Interest on deposits		3,316		3,860		13,247		24,625		40,781		58,336		47,580
Total earnings for computation, including interest on deposits	$	26,354	$	25,018	$	84,471	$	131,334	$	149,960	$	159,945	$	411,221
Computation of Fixed Charges
Portion of rental expense deemed representative of interest *	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Interest on short-term borrowed funds		329		329		1,177		262		163		94		1,318
Interest on long-term borrowed funds		524		654		2,464		2,702		3,977		9,562		8,347
Total fixed charges, excluding interest on deposits		853		983		3,641		2,964		4,140		9,656		9,665
Interest on deposits		3,316		3,860		13,247		24,625		40,781		58,336		47,580
Total fixed charges, including interest on deposits	$	4,169	$	4,843	$	16,888	$	27,589	$	44,921	$	67,992	$	57,245
Ratio of Earnings to Fixed Charges
Excluding deposit interest		27.01		21.52		19.56		36.00		26.37		10.52		37.62
Including deposit interest		6.32		5.17		5.00		4.76		3.34		2.35		7.18

* All of First Financial Bancorp's leases are operating; none are capitalized.