Exhibit 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)

	Three Months Ended March 31
	2012		2011
	(Amounts in millions)
Excluding Interest on Deposits
Income (loss) from continuing operations before income taxes	$	321	$	21
Fixed charges excluding preferred stock dividends and accretion		98		112
Income (loss) for computation excluding interest on deposits		419		133
Interest expense excluding interest on deposits		82		96
One-third of rent expense		16		16
Preferred stock dividends and accretion		54		52
Fixed charges including preferred stock dividends and accretion		152		164
Ratio of earnings to fixed charges, excluding interest on deposits		2.76x		0.81x
Including Interest on Deposits
Income (loss) from continuing operations before income taxes	$	321	$	21
Fixed charges excluding preferred stock dividends and accretion		186		251
Income for computation including interest on deposits		507		272
Interest expense including interest on deposits		170		235
One-third of rent expense		16		16
Preferred stock dividends and accretion		54		52
Fixed charges including preferred stock dividends and accretion		240		303
Ratio of earnings to fixed charges, including interest on deposits		2.11x		0.90x