EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)

	December 31,
	2007(1)		2006		2005		2004		2003
	(Amounts in thousands)
Income from continuing operations	$	1,393,163	$	1,372,521	$	962,707	$	789,743	$	617,438
Provision for income taxes from continuing operations		645,687		619,100		395,861		330,478		239,866
Income before income taxes from continuing operations	$	2,038,850	$	1,991,621	$	1,358,568	$	1,120,221	$	857,304
Interest on nondeposit interest-bearing liabilities		1,012,414		660,649		485,029		346,024		314,179
Interest portion of rent expense from continuing operations		65,042		35,411		29,606		20,550		13,913
Total income for computation excluding interest on deposits		3,116,306		2,687,681		1,873,203		1,486,795		1,185,396
Interest on deposits		2,663,883		1,680,167		1,004,727		496,627		430,353
Total income for computation including interest on deposits	$	5,780,189	$	4,367,848	$	2,877,930	$	1,983,422	$	1,615,749
Fixed charges excluding interest on deposits	$	1,077,456	$	696,060	$	514,635	$	366,574	$	328,092
Fixed charges including interest on deposits	$	3,741,339	$	2,376,227	$	1,519,362	$	863,201	$	758,445
Ratio excluding interest on deposits		2.89		3.86		3.64		4.06		3.61
Ratio including interest on deposits		1.54		1.84		1.89		2.30		2.13
Components of fixed charges:
Interest:
Interest on deposits	$	2,663,883	$	1,680,167	$	1,004,727	$	496,627	$	430,353
Interest on nondeposit interest-bearing liabilities		1,012,414		660,649		485,029		346,024		314,179
Total interest charges	$	3,676,297	$	2,340,816	$	1,489,756	$	842,651	$	744,532
Rental expense	$	195,126	$	106,232	$	88,818	$	61,650	$	41,738
Portion of rental expense deemed representative of interest	$	65,042	$	35,411	$	29,606	$	20,550	$	13,913

(1) For purposes of this computation, the recognized interest related to uncertain tax positions for the year ended December 31, 2007 of approximately $82 million was excluded.