EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(Unaudited)

	Three Months Ended March 31
	2011		2010
	(Amounts in millions)
Excluding Interest on Deposits
Income (loss) before income taxes	$	57	$	(357	)
Fixed charges excluding preferred stock dividends and accretion		114		160
Income (loss) for computation excluding interest on deposits		171		(197	)
Interest expense excluding interest on deposits		98		142
One-third of rent expense		16		18
Preferred stock dividends and accretion		52		59
Fixed charges including preferred stock dividends and accretion		166		219
Ratio of earnings to fixed charges, excluding interest on deposits		1.03x		(0.90	)x
Including Interest on Deposits
Income (loss) before income taxes	$	57	$	(357	)
Fixed charges excluding preferred stock dividends and accretion		253		402
Income for computation including interest on deposits		310		45
Interest expense including interest on deposits		237		384
One-third of rent expense		16		18
Preferred stock dividends and accretion		52		59
Fixed charges including preferred stock dividends and accretion		305		461
Ratio of earnings to fixed charges, including interest on deposits		1.02x		0.10x