Regions Bank 2010 Annual Report Download - page 225
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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