EXHIBIT 12
Regions Financial Corporation
Computation of Ratio of Earnings to Fixed Charges
(from continuing operations)
(Unaudited)
| Three Months Ended June 30 |
Six Months Ended June 30 |
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| 2012 | 2011 | 2012 | 2011 | |||||||||||||
| (Amounts in millions) | ||||||||||||||||
| Excluding Interest on Deposits |
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| Income from continuing operations before income taxes |
$ | 477 | $ | 45 | $ | 798 | $ | 66 | ||||||||
| Fixed charges excluding preferred stock dividends and accretion |
93 | 108 | 188 | 218 | ||||||||||||
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| Income for computation excluding interest on deposits |
570 | 153 | 986 | 284 | ||||||||||||
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| Interest expense excluding interest on deposits |
80 | 94 | 162 | 190 | ||||||||||||
| One-third of rent expense |
13 | 14 | 26 | 28 | ||||||||||||
| Preferred stock dividends and accretion |
71 | 54 | 125 | 106 | ||||||||||||
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| Fixed charges including preferred stock dividends and accretion |
164 | 162 | 313 | 324 | ||||||||||||
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| Ratio of earnings to fixed charges, excluding interest on deposits |
3.48x | 0.94x | 3.15x | 0.88x | ||||||||||||
| Including Interest on Deposits |
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| Income from continuing operations before income taxes |
$ | 477 | $ | 45 | $ | 798 | $ | 66 | ||||||||
| Fixed charges excluding preferred stock dividends and accretion |
169 | 234 | 352 | 483 | ||||||||||||
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| Income for computation including interest on deposits |
646 | 279 | 1,150 | 549 | ||||||||||||
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| Interest expense including interest on deposits |
156 | 220 | 326 | 455 | ||||||||||||
| One-third of rent expense |
13 | 14 | 26 | 28 | ||||||||||||
| Preferred stock dividends and accretion |
71 | 54 | 125 | 106 | ||||||||||||
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| Fixed charges including preferred stock dividends and accretion |
240 | 288 | 477 | 589 | ||||||||||||
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| Ratio of earnings to fixed charges, including interest on deposits |
2.69x | 0.97x | 2.41x | 0.93x | ||||||||||||