EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)

	Three Months Ended September 30				Nine Months Ended September 30
	2012		2011		2012		2011
	(Amounts in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	448	$	158	$	1,246	$	224
Fixed charges excluding preferred stock dividends and accretion		95		107		283		324
Income for computation excluding interest on deposits		543		265		1,529		548
Interest expense excluding interest on deposits		80		93		242		283
One-third of rent expense		15		14		41		41
Preferred stock dividends and accretion		—		54		125		160
Fixed charges including preferred stock dividends and accretion		95		161		408		484
Ratio of earnings to fixed charges, excluding interest on deposits		5.72x		1.65x		3.75x		1.13x
Including Interest on Deposits
Income from continuing operations before income taxes	$	448	$	158	$	1,246	$	224
Fixed charges excluding preferred stock dividends and accretion		162		219		514		701
Income for computation including interest on deposits		610		377		1,760		925
Interest expense including interest on deposits		147		205		473		660
One-third of rent expense		15		14		41		41
Preferred stock dividends and accretion		—		54		125		160
Fixed charges including preferred stock dividends and accretion		162		273		639		861
Ratio of earnings to fixed charges, including interest on deposits		3.77x		1.38x		2.75x		1.07x