Exhibit 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from Continuing Operations)

(Unaudited)

(Amounts in thousands)	Three Months Ended March 31
	2008		2007
Income from continuing operations before income taxes	$	494,524	$	709,984
Interest on non-deposit interest bearing liabilities		262,134		243,398
Interest portion of rent expense from continuing operations		15,172		14,237
Total income for computation excluding interest on deposits		771,830		967,619
Interest on deposits		503,190		687,459
Total income for computation including interest on deposits	$	1,275,020	$	1,655,078
Fixed charges excluding interest on deposits	$	277,306	$	257,635
Fixed charges including interest on deposits	$	780,496	$	945,094
Ratio excluding interest on deposits		2.78		3.76
Ratio including interest on deposits		1.63		1.75
Components of fixed charges:
Interest:
Interest on deposits	$	503,190	$	687,459
Interest on non-deposit interest bearing liabilities		262,134		243,398
Total interest charges	$	765,324	$	930,857
Rental expense	$	45,517	$	42,711
Portion of rental expense deemed representative of interest	$	15,172	$	14,237

Note: The recognized interest related to uncertain tax positions of approximately $2 million and $24 million for the three months ended March 31, 2008 and 2007, respectively, was excluded from this calculation.