EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)

	December 31
	2009(1)			2008(1)			2007(1)		2006		2005
	(Amounts in thousands)
Excluding Interest on Deposits
Income (loss) from continuing operations before income taxes	$	(1,202	)	$	(5,933	)	$	2,039	$	1,992	$	1,359
Fixed charges excluding preferred stock dividends		791			1,061			1,077		696		515
Income (loss) for computation excluding interest on deposits		(411	)		(4,872	)		3,116		2,688		1,874
Interest expense excluding interest on deposits		720			996			1,012		661		485
One-third of rent expense		71			65			65		35		30
Preferred stock dividends		230			26			—		—		—
Fixed charges including preferred stock dividends		1,021			1,087			1,077		696		515
Ratio of earnings to fixed charges, excluding interest on deposits		(0.40	)		(4.48	)		2.89		3.86		3.64
Including Interest on Deposits
Income (loss) from continuing operations before income taxes	$	(1,202	)	$	(5,933	)	$	2,039	$	1,992	$	1,359
Fixed charges excluding preferred stock dividends		2,068			2,785			3,741		2,376		1,519
Income (loss) for computation including interest on deposits		866			(3,148	)		5,780		4,368		2,878
Interest expense including interest on deposits		1,997			2,720			3,676		2,341		1,490
One-third of rent expense		71			65			65		35		30
Preferred stock dividends		230			26			—		—		—
Fixed charges including preferred stock dividends		2,298			2,811			3,741		2,376		1,520
Ratio of earnings to fixed charges, including interest on deposits		0.38			(1.12	)		1.54		1.84		1.89

(1) For purposes of this computation, the recognized interest related to uncertain tax positions for the years ended December 31, 2009, 2008, and 2007 of approximately $5 million, $31 million, and $82 million, respectively, was excluded.