Exhibit 12.1

First Commonwealth Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(Dollars in thousands)

	For the Years Ended December 31,
	2009			2008		2007		2006		2005
Pre-tax (Loss) Income from Operations	$	(45,885	)	$	49,719	$	52,203	$	61,983	$	71,093
Fixed Charges:
Interest on deposits	$	69,802		$	101,517	$	132,770	$	108,454	$	79,070
Other interest expense		16,969			37,481		36,943		57,653		59,548
Interest component of rent expense		1,239			1,217		939		1,005		694
Total Fixed Charges	$	88,010		$	140,215	$	170,652	$	167,112	$	139,312
Earnings to Fixed Charges Ratio:
Excluding interest on deposits		(1	)		2.28		2.38		2.06		2.18
Including interest on deposits		(1	)		1.35		1.31		1.37		1.51

(1) Earnings for the year ended December 31, 2009 were inadequate to cover fixed charges. The coverage deficiency was $45.9 million.