Regions Financial (RF) 10-Q2009 Q1 Quarterly report

Filed: 11 May 09, 12:00am

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	H.S. freshman Bad

New words: advantage, aforementioned, ALCO, allegation, American, annum, assumption, began, benchmark, Beneficial, bought, brought, buffer, CAP, carryback, checking, coincide, collapse, compensatory, complaint, Concurrent, consent, contemplated, contingent, conversion, cooperate, cooperated, counteract, County, court, CPP, creditwatch, creditworthy, cushion, customary, deepening, deploying, desire, diminished, District, downgrade, drop, eliminate, entitle, entitled, erosion, error, Eurodollar, exert, extrapolated, false, FirstBank, floating, forecasted, fortifying, found, frequency, governmental, grew, grow, harm, highly, hypothetical, impossible, improve, improving, indirectly, INFER, interaction, introduction, investigation, lawsuit, leading, length, LIBOR, likelihood, linear, long, low, magnify, mandatorily, Matching, matter, misinterpretation, misleading, notification, opportunistically, opportunity, orderly, overhedge, overnight, owed, perfectly, political, power, prime, proactive, prohibitive, proof, purported, purpose, question, reaction, reality, receipt, recessionary, recovery, redeploy, redeployment, refinance, refinancing, refining, rejected, released, relief, reluctance, rely, removed, renewed, replenish, reputation, reputational, request, resume, reversal, risen, shareholder, SILO, small, Southern, stockholder, submit, submitted, supervisory, suspended, swap, team, temporarily, toour, Topic, Transferor, treatment, troubled, unable, underwrote, Union, unique, Unregistered, unrestricted, unwinding, variation, violation, voluntary, warranted, weakening, wrongdoing, York

Removed: absorb, accelerate, accrued, anticipated, apply, assignment, Barksdale, Bonding, buyer, carry, ceasing, closing, collectibility, comparison, concentrate, conservation, converted, currency, curtailment, deliver, depreciation, description, Direct, discounting, dispute, divested, Emerging, employment, enable, endorsement, enforce, equipment, escrow, escrowed, examination, exchanged, executed, Fed, fieldwork, FIN, Force, formation, fuel, furniture, Guarantor, healthcare, incorporate, incorporating, indemnification, indemnified, inform, initially, institutional, insufficient, intangible, Interpretation, junior, lesser, matrix, mode, modification, modified, netted, Nonrefundable, NSF, offering, organizational, origination, overfunded, partial, pipeline, placement, precluded, predetermined, predominantly, prevail, projecting, projection, proportionate, rapid, readily, reconcile, repay, requisite, restructured, restructuring, retiree, retrospective, rounding, SAB, scheduled, scope, separately, shift, shown, specifically, stated, stop, substance, supplemental, Task, transition, underfunded, unsecured, USA, versa, vice, voluntarily, widely, widespread

Search this filing

Filing tables

Export all tables to Excel

Filing exhibits

Related press release

RF similar filings

Filing view

Default size S M L
Default font Times Arial

External links

Share this filing

EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(Unaudited)


	March 31
	2009		2008
	(Amounts in millions)
Excluding Interest on Deposits
Income before income taxes	$	392	$	495
Fixed charges excluding preferred stock dividends		221		277

Income for computation excluding interest on deposits		613		772

Interest expense excluding interest on deposits		204		262
One-third of rent expense		17		15
Preferred stock dividends		51		—

Fixed charges including preferred stock dividends		272		277

Ratio of earnings to fixed charges, excluding interest on deposits		2.25		2.78

Including Interest on Deposits
Income before income taxes	$	392	$	495
Fixed charges excluding preferred stock dividends		587		780

Income for computation including interest on deposits		979		1,275

Interest expense including interest on deposits		570		765
One-third of rent expense		17		15
Preferred stock dividends		51		—

Fixed charges including preferred stock dividends		638		780

Ratio of earnings to fixed charges, including interest on deposits		1.53		1.63

(1)	For purposes of this computation, the recognized interest related to uncertain tax positions for the three months ended March 31, 2009 and 2008 of approximately $0 and $2 million, respectively, was excluded.