Regions Financial (RF) 10-Q 2013 Q3 Quarterly report

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
	2013		2012		2013		2012
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	417	$	448	$	1,254	$	1,246
Fixed charges excluding preferred stock dividends and accretion	70		95		234		283
Income for computation excluding interest on deposits	487		543		1,488		1,529
Interest expense excluding interest on deposits	56		80		193		242
One-third of rent expense	14		15		41		41
Preferred stock dividends and accretion	8		—		24		125
Fixed charges including preferred stock dividends and accretion	78		95		258		408
Ratio of earnings to fixed charges, excluding interest on deposits	6.24x		5.72x		5.77x		3.75x
Including Interest on Deposits
Income from continuing operations before income taxes	$	417	$	448	$	1,254	$	1,246
Fixed charges excluding preferred stock dividends and accretion	101		162		340		514
Income for computation including interest on deposits	518		610		1,594		1,760
Interest expense including interest on deposits	87		147		299		473
One-third of rent expense	14		15		41		41
Preferred stock dividends and accretion	8		—		24		125
Fixed charges including preferred stock dividends and accretion	109		162		364		639
Ratio of earnings to fixed charges, including interest on deposits	4.78x		3.77x		4.38x		2.75x