EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(Unaudited)

	Three Months Ended September 30						Nine Months Ended September 30
	2010			2009			2010			2009
	(Amounts in millions)
Excluding Interest on Deposits
Income (loss) before income taxes	$	(305	)	$	(651	)	$	(1,027	)	$	(372	)
Fixed charges excluding preferred stock dividends and accretion		139			188			446			616
Income (loss) for computation excluding interest on deposits		(166	)		(463	)		(581	)		244
Interest expense excluding interest on deposits		123			168			395			562
One-third of rent expense		16			20			51			54
Preferred stock dividends and accretion		54			60			171			167
Fixed charges including preferred stock dividends and accretion		193			248			617			783
Ratio of earnings to fixed charges, excluding interest on deposits		(0.86	)x		(1.87	)x		(0.94	)x		0.31x
Including Interest on Deposits
Income (loss) before income taxes	$	(305	)	$	(651	)	$	(1,027	)	$	(372	)
Fixed charges excluding preferred stock dividends and accretion		306			489			1,049			1,613
Income (loss) for computation including interest on deposits		1			(162	)		22			1,241
Interest expense including interest on deposits		290			469			998			1,559
One-third of rent expense		16			20			51			54
Preferred stock dividends and accretion		54			60			171			167
Fixed charges including preferred stock dividends and accretion		360			549			1,220			1,780
Ratio of earnings to fixed charges, including interest on deposits		0.00x			(0.30	)x		0.02x			0.70x