EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(Unaudited)

	Three Months Ended June 30					Six Months Ended June 30
	2011		2010			2011		2010
	(Amounts in millions)
Excluding Interest on Deposits
Income (loss) before income taxes	$	49	$	(365	)	$	106	$	(722	)
Fixed charges excluding preferred stock dividends and accretion		112		147			227		307
Income (loss) for computation excluding interest on deposits		161		(218	)		333		(415	)
Interest expense excluding interest on deposits		96		130			194		272
One-third of rent expense		16		17			33		35
Preferred stock dividends and accretion		54		58			106		117
Fixed charges including preferred stock dividends and accretion		166		205			333		424
Ratio of earnings to fixed charges, excluding interest on deposits		0.97x		(1.06	)x		1.00x		(0.98	)x
Including Interest on Deposits
Income (loss) before income taxes	$	49	$	(365	)	$	106	$	(722	)
Fixed charges excluding preferred stock dividends and accretion		238		341			492		743
Income for computation including interest on deposits		287		(24	)		598		21
Interest expense including interest on deposits		222		324			459		708
One-third of rent expense		16		17			33		35
Preferred stock dividends and accretion		54		58			106		117
Fixed charges including preferred stock dividends and accretion		292		399			598		860
Ratio of earnings to fixed charges, including interest on deposits		0.98x		(0.06	)x		1.00x		0.02x