EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(Unaudited)

	Three Months Ended September 30					Nine Months Ended September 30
	2011		2010			2011		2010
	(Amounts in millions)
Excluding Interest on Deposits
Income (loss) before income taxes	$	182	$	(305	)	$	288	$	(1,027	)
Fixed charges excluding preferred stock dividends and accretion		110		139			337		446
Income (loss) for computation excluding interest on deposits		292		(166	)		625		(581	)
Interest expense excluding interest on deposits		94		123			288		395
One-third of rent expense		16		16			49		51
Preferred stock dividends and accretion		54		54			160		171
Fixed charges including preferred stock dividends and accretion		164		193			497		617
Ratio of earnings to fixed charges, excluding interest on deposits		1.78x		(0.86	)x		1.26x		(0.94	)x
Including Interest on Deposits
Income (loss) before income taxes	$	182	$	(305	)	$	288	$	(1,027	)
Fixed charges excluding preferred stock dividends and accretion		222		306			714		1,049
Income for computation including interest on deposits		404		1			1,002		22
Interest expense including interest on deposits		206		290			665		998
One-third of rent expense		16		16			49		51
Preferred stock dividends and accretion		54		54			160		171
Fixed charges including preferred stock dividends and accretion		276		360			874		1,220
Ratio of earnings to fixed charges, including interest on deposits		1.46x		0.00x			1.15x		0.02x