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- 10-K Annual report
- 10.5 Form of Stock Option
- 10.19 Form of 2009 Lti
- 10.20 Form of Tarp
- 10.48 Form of Change-in-control
- 10.49 Form of Change-in-control
- 10.50 Form of Change-in-control
- 10.59 Amendment #3 to Supplemental 401(K) Plan
- 10.60 Amendment #4 to Supplemental 401(K) Plan
- 10.64 2006 Supplemental Executive Retirement Plan
- 10.65 Amendment #1 2006 Supplemental Executive Retirement Plan
- 10.70 Form of Keegan & Company Restricted Cash Agreement
- 10.71 Form of Keegan & Company Amended and Restated Deferred Compensation Plan
- 12 Computation of Ratio of Earnings to Fixed Charges
- 21 List of Subsidiaries of Registrant
- 23 Consent of Ernst & Young LLP
- 24 Powers of Attorney
- 31.1 302 Certification of CEO
- 31.2 302 Certification of CFO
- 32 906 Certification of CEO & CFO
- 99.1 Certification of Principle Executive Officer
- 99.2 Certification of Principle Financial Officer
EXHIBIT 12
Regions Financial Corporation
Computation of Ratio of Earnings to Fixed Charges
(from continuing operations)
(Unaudited)
December 31 | ||||||||||||||||||||
2010 | 2009 | 2008 | 2007 | 2006 | ||||||||||||||||
(Amounts in millions) | ||||||||||||||||||||
Excluding Interest on Deposits | ||||||||||||||||||||
Income (loss) from continuing operations before income taxes | $ | (885 | ) | $ | (1,202 | ) | $ | (5,933 | ) | $ | 2,039 | $ | 1,992 | |||||||
Fixed charges excluding preferred stock dividends and accretion | 570 | 791 | 1,061 | 1,077 | 696 | |||||||||||||||
Income (loss) for computation excluding interest on deposits | (315 | ) | (411 | ) | (4,872 | ) | 3,116 | 2,688 | ||||||||||||
Interest expense excluding interest on deposits | 502 | 720 | 996 | 1,012 | 661 | |||||||||||||||
One-third of rent expense | 68 | 71 | 65 | 65 | 35 | |||||||||||||||
Preferred stock dividends and accretion | 224 | 230 | 26 | — | — | |||||||||||||||
Fixed charges including preferred stock dividends | 794 | 1,021 | 1,087 | 1,077 | 696 | |||||||||||||||
Ratio of earnings to fixed charges, excluding interest on deposits | (0.40 | ) | (0.40 | ) | (4.48 | ) | 2.89 | 3.86 | ||||||||||||
Including Interest on Deposits | ||||||||||||||||||||
Income (loss) from continuing operations before income taxes | $ | (885 | ) | $ | (1,202 | ) | $ | (5,933 | ) | $ | 2,039 | $ | 1,992 | |||||||
Fixed charges excluding preferred stock dividends and accretion | 1,325 | 2,068 | 2,785 | 3,741 | 2,376 | |||||||||||||||
Income (loss) for computation including interest on deposits | 440 | 866 | (3,148 | ) | 5,780 | 4,368 | ||||||||||||||
Interest expense including interest on deposits | 1,257 | 1,997 | 2,720 | 3,676 | 2,341 | |||||||||||||||
One-third of rent expense | 68 | 71 | 65 | 65 | 35 | |||||||||||||||
Preferred stock dividends and accretion | 224 | 230 | 26 | — | — | |||||||||||||||
Fixed charges including preferred stock dividends | 1,549 | 2,298 | 2,811 | 3,741 | 2,376 | |||||||||||||||
Ratio of earnings to fixed charges, including interest on deposits | 0.28 | 0.38 | (1.12 | ) | 1.54 | 1.84 |