Download a printable version of the Annual Report
Download a printable supplement on the FleetBoston merger
2003 Annual Report:
Financial Review Index
Management's Discussion and Analysis
Statistical Financial Information
Consolidated Financial Statements and Notes
Introduction
Performance Overview
Financial Highlights
FleetBoston Merger
Fourth Quarter 2003 Results
Table 1 Five-Year Summary of Selected Financial Data
Supplemental Financial Data
Table 2 Supplemental Financial Data and Reconciliations to GAAP Financial Measures
Trading-related Revenue
Table 3 Trading-related Revenue
Complex Accounting Estimates and Principles
Business Segment Operations
Table 4 Business Segment Summary
Significant Noninterest Income Components (Consumer and Commercial Banking) [table]
Client Assets [table]
Significant Noninterest Income Components (Asset Management) [table]
Investment Banking Income [table]
Trading-related Revenue in Global Corporate and Investment Banking [table]
Principal Investing Portfolio [table]
Equity Investment Gains in Principal Investing [table]
MANAGING RISK
Overview
Liquidity Risk Management
Table 5 Credit Ratings
Table 6 Average Balance Sheet
Table 7 Average Deposits
Table 8 Long-term Debt and Other Obligations
Table 9 Credit Extension Commitments
Credit Risk Management
Table 10 Outstanding Loans and Leases
Table 11 Utilized Commercial Credit Exposure by Significant Industry
Table 12 Regional Foreign Exposure and Selected Emerging Markets Exposure
Table 13 Commercial Criticized Exposure
Table 14 Nonperforming Assets
Table 15 Nonperforming Assets Activity
Table 16 Allowance For Credit Losses
Table 17 Allocation of the Allowance for Credit Losses by Product Type
Market Risk Management
Histogram of Daily Trading-related Revenue (graph)
Table 18 Trading Activities Market Risk
Table 19 Estimated Net Interest Income at Risk
Table 20 Asset and Liability Management Interest Rate and Foreign Exchange Contracts
Operational Risk Management
2002 Compared to 2001
Table I
Average Balances and Interest - Fully Taxable-equivalent Basis
Table II
Analysis of Changes in Net Interest Income - Fully Taxable-equivalent Basis
Table III
Core Net Interest Income
Table IV
Selected Loan Maturity Data
Table V
Short-term Borrowings
Table VI
Long-term Debt and Other Obligations
Table VII
Credit Extension Commitments
Table VIII
Outstanding Loans and Leases
Table IX
Non-real Estate Outstanding Commercial Loans and Leases by Significant Industry
Table X
Outstanding Commercial Real Estate Loans
Table XI
Selected Emerging Markets
Table XII
Nonperforming Assets
Table XIII
Allowance for Credit Losses
Table XIV
Allocation of the Allowance for Credit Losses by Product Type
Table XV
Cross-border Exposure Exceeding One Percent of Total Assets
Table XVI
Trading Risk and Return
Table XVII
Non-exchange Traded Commodity Contracts
Table XVIII
Non-exchange Traded Commodity Contract Maturities
Table XIX
Selected Quarterly Financial Data
Table XX
Quarterly Average Balances and Interest Rates - Taxable-equivalent Basis
Report of Management
Report of Independent Auditors
Consolidated Statement of Income
Consolidated Balance Sheet
Consolidated Statement of Changes in Shareholders' Equity
Consolidated Statement of Cash Flows
Notes to Consolidated Financial Statements
Note 1
Summary of Significant Accounting Principles
Note 2
Merger-related Activities
Note 3
Exit Charges
Note 4
Securities
Note 5
Trading Account Assets and Liabilities
Note 6
Derivatives
Note 7
Outstanding Loans and Leases
Note 8
Allowance for Credit Losses
Note 9
Special Purpose Financing Entities
Note 10
Goodwill and Other Intangibles
Note 11
Deposits
Note 12
Short-term Borrowings and Long-term Debt
Note 13
Commitments and Contingencies
Note 14
Shareholders' Equity and Earnings Per Common Share
Note 15
Regulatory Requirements and Restrictions
Note 16
Employee Benefit Plans
Note 17
Stock-based Compensation Plans
Note 18
Income Taxes
Note 19
Fair Value of Financial Instruments
Note 20
Business Segment Information
Note 21
Bank of America Corporation (Parent Company Only)
Note 22
Performance by Geographic Area
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