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EXHIBIT 12
Regions Financial Corporation
Computation of Ratio of Earnings to Fixed Charges
(from continuing operations)
(Unaudited)
| 2013 | 2012 | 2011 | 2010 | 2009 | ||||||||||||||||
| (Dollars in millions) | ||||||||||||||||||||
| Excluding Interest on Deposits | ||||||||||||||||||||
| Income (loss) from continuing operations before income taxes | $ | 1,587 | $ | 1,661 | $ | 161 | $ | (844 | ) | $ | (1,268 | ) | ||||||||
| Fixed charges excluding preferred stock dividends and accretion | 304 | 373 | 425 | 550 | 766 | |||||||||||||||
| Income (loss) for computation excluding interest on deposits | 1,891 | 2,034 | 586 | (294 | ) | (502 | ) | |||||||||||||
| Interest expense excluding interest on deposits | 249 | 319 | 370 | 493 | 707 | |||||||||||||||
| One-third of rent expense | 55 | 54 | 55 | 57 | 59 | |||||||||||||||
| Preferred stock dividends and accretion | 32 | 129 | 214 | 224 | 230 | |||||||||||||||
| Fixed charges including preferred stock dividends and accretion | 336 | 502 | 639 | 774 | 996 | |||||||||||||||
| Ratio of earnings to fixed charges, excluding interest on deposits | 5.63x | 4.05x | 0.92x | (0.38)x | (0.50)x | |||||||||||||||
| Including Interest on Deposits | ||||||||||||||||||||
| Income (loss) from continuing operations before income taxes | $ | 1,587 | $ | 1,661 | $ | 161 | $ | (844 | ) | $ | (1,268 | ) | ||||||||
| Fixed charges excluding preferred stock dividends and accretion | 439 | 657 | 897 | 1,305 | 2,043 | |||||||||||||||
| Income for computation including interest on deposits | 2,026 | 2,318 | 1,058 | 461 | 775 | |||||||||||||||
| Interest expense including interest on deposits | 384 | 603 | 842 | 1,248 | 1,984 | |||||||||||||||
| One-third of rent expense | 55 | 54 | 55 | 57 | 59 | |||||||||||||||
| Preferred stock dividends and accretion | 32 | 129 | 214 | 224 | 230 | |||||||||||||||
| Fixed charges including preferred stock dividends and accretion | 471 | 786 | 1,111 | 1,529 | 2,273 | |||||||||||||||
| Ratio of earnings to fixed charges, including interest on deposits | 4.30x | 2.95x | 0.95x | 0.30x | 0.34x | |||||||||||||||