EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(Unaudited)

	Three Months Ended June 30						Six Months Ended June 30
	2010			2009			2010			2009
	(Amounts in millions)
Excluding Interest on Deposits
Income (loss) before income taxes	$	(365	)	$	(113	)	$	(722	)	$	279
Fixed charges excluding preferred stock dividends and accretion		147			207			307			428
Income (loss) for computation excluding interest on deposits		(218	)		94			(415	)		707
Interest expense excluding interest on deposits		130			190			272			394
One-third of rent expense		17			17			35			34
Preferred stock dividends and accretion		58			56			117			107
Fixed charges including preferred stock dividends and accretion		205			263			424			535
Ratio of earnings to fixed charges, excluding interest on deposits		(1.06	)		0.36			(0.98	)		1.32
Including Interest on Deposits
Income (loss) before income taxes	$	(365	)	$	(113	)	$	(722	)	$	279
Fixed charges excluding preferred stock dividends and accretion		341			537			743			1,124
Income (loss) for computation including interest on deposits		(24	)		424			21			1,403
Interest expense including interest on deposits		324			520			708			1,090
One-third of rent expense		17			17			35			34
Preferred stock dividends and accretion		58			56			117			107
Fixed charges including preferred stock dividends and accretion		399			593			860			1,231
Ratio of earnings to fixed charges, including interest on deposits		(0.06	)		0.72			0.02			1.14