Regions Bank 2012 Annual Report Download - page 245
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EXHIBIT 12
Regions Financial Corporation
Computation of Ratio of Earnings to Fixed Charges
(from continuing operations)
(Unaudited)
December 31
2012 2011 2010 2009 2008
(Dollars in millions)
Excluding Interest on Deposits
Income (loss) from continuing operations before income
taxes .............................................. $1,661 $ 161 $(844) $(1,268) $(6,032)
Fixed charges excluding preferred stock dividends and
accretion ........................................... 373 425 550 766 1,007
Income (loss) for computation excluding interest on deposits . . . 2,034 586 (294) (502) (5,025)
Interest expense excluding interest on deposits ............... 319 370 493 707 953
One-third of rent expense ............................... 54 55 57 59 54
Preferred stock dividends and accretion .................... 129 214 224 230 26
Fixed charges including preferred stock dividends ............ 502 639 774 996 1,033
Ratio of earnings to fixed charges, excluding interest on
deposits 4.05x 0.92x (0.38)x (0.50)x (4.86)x
Including Interest on Deposits
Income (loss) from continuing operations before income
taxes .............................................. $1,661 $ 161 $ (844) $(1,268) $(6,032)
Fixed charges excluding preferred stock dividends and
accretion ........................................... 657 897 1,305 2,043 2,731
Income (loss) for computation including interest on deposits . . . 2,318 1,058 461 775 (3,301)
Interest expense including interest on deposits ............... 603 842 1,248 1,984 2,677
One-third of rent expense ............................... 54 55 57 59 54
Preferred stock dividends and accretion .................... 129 214 224 230 26
Fixed charges including preferred stock dividends ............ 786 1,111 1,529 2,273 2,757
Ratio of earnings to fixed charges, including interest on
deposits 2.95x 0.95x 0.30x 0.34x (1.20)x