Exhibit 12.1

Pinnacle Financial Partners, Inc.

Ratio of Combined Fixed Charges and Preference Dividends to Earnings

(in thousands)

				Years ended December 31,
	Nine-months ended 9/30/12			2011			2010			2009			2008			2007
Fixed charges:
Interest expense—deposits	$	13,113		$	30,588		$	49,857		$	63,129		$	76,998		$	61,672
Interest expense—other borrowings	$	4,484		$	6,294		$	9,118		$	11,796		$	14,869		$	13,548
TARP preferred stock dividends (pretax)	$	2,452		$	3,002		$	3,942		$	8,803		$	370		$	—
Total fixed charges:	$	20,049		$	39,884		$	62,917		$	83,728		$	92,237		$	75,220
Earnings:
Pretax earnings (loss)	$	44,516		$	28,500		$	(19,890	)	$	(64,893	)	$	43,241		$	33,034
Fixed charges above	$	20,049		$	39,884		$	62,917		$	83,728		$	92,237		$	75,220
Total earnings	$	64,565		$	68,384		$	43,027		$	18,835		$	135,478		$	108,254
Ratio of earnings to combined fixed charges and preferred dividends:
Excluding interest on deposits		7.42	x		4.07	x		NM			NM			3.84	x		3.44	x
Including interest on deposits		3.22	x		1.71	x		0.68	x		0.22	x		1.47	x		1.44	x
Ratio of earnings to fixed charges (excludes preferred dividends):
Excluding interest on deposits		10.93	x		5.53	x		NM			NM			3.91	x		3.44	x
Including interest on deposits		3.53	x		1.77	x		0.66	x		0.13	x		1.47	x		1.44	x