REGIONS FINANCIAL CORP - FORM 10-Q - EX-12 - COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES

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EXCEL - IDEA: XBRL DOCUMENT - REGIONS FINANCIAL CORP	Financial_Report.xls
10-Q - FORM 10-Q - REGIONS FINANCIAL CORP	d10q.htm
EX-32 - SECTION 906 CERTIFICATION - REGIONS FINANCIAL CORP	dex32.htm
EX-31.2 - CERTIFICATION - REGIONS FINANCIAL CORP	dex312.htm
EX-31.1 - CERTIFICATION - REGIONS FINANCIAL CORP	dex311.htm

EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(Unaudited)


	Three Months Ended March 31 (1)
	2010			2009
	(Amounts in millions)
Excluding Interest on Deposits

Income (loss) before income taxes	$	(357	)	$	392
Fixed charges excluding preferred stock dividends and accretion		160			221

Income (loss) for computation excluding interest on deposits		(197	)		613


Interest expense excluding interest on deposits		142			204
One-third of rent expense		18			17
Preferred stock dividends and accretion		59			51

Fixed charges including preferred stock dividends and accretion		219			272


Ratio of earnings to fixed charges, excluding interest on deposits		(0.90	)		2.25

Including Interest on Deposits

Income (loss) before income taxes	$	(357	)	$	392
Fixed charges excluding preferred stock dividends and accretion		402			587

Income (loss) for computation including interest on deposits		45			979


Interest expense including interest on deposits		384			570
One-third of rent expense		18			17
Preferred stock dividends and accretion		59			51

Fixed charges including preferred stock dividends and accretion		461			638


Ratio of earnings to fixed charges, including interest on deposits		0.10			1.53

(1)	For purposes of this computation, the recognized interest related to uncertain tax positions of less than $1 million for both the three months ended March 31, 2010 and 2009 was excluded.

REGIONS FINANCIAL CORP - FORM 10-Q - EX-12 - COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES - May 5, 2010