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2004 Annual Report
: Financial Review Index
Management's Discussion and Analysis
Introduction
Economic Overview
Performance Overview
Business Segment Total Revenue and Net Income [table]
Financial Highlights
Noninterest Income [table]
Noninterest Expense [table]
FleetBoston Merger
Table 1 Five-Year Summary of Selected Financial Data
Supplemental Financial Data
Table 2 Supplemental Financial Data and Reconciliations to GAAP Financial Matters
Table 3 Core Net Interest Income
Business Segment Operations
Global Consumer and Small Business Banking [table]
Card Services Revenue [table]
Consumer Real Estate Revenue [table]
Mortgage Banking Income [table]
Mortgage Servicing Rights [table]
Consumer Deposit Products Revenue [table]
Global Business and Financial Services [table]
Global Capital Markets and Investment Banking [table]
Investment Banking Income [table]
Trading-related Revenue [table]
Global Wealth and Investment Management [table]
Client Assets [table]
All Other [table]
Principal Investing Equity Portfolio [table]
Managing Risk
Strategic Risk Management
Liquidity Risk Management
Table 4 Credit Ratings
Table 5 Average Deposits
Table 6 Short-term Borrowings
Table 7 Long-term Debit and Other Obligations
Table 8 Credit Extension Commitments
Credit Risk Management
Table 9 Outstanding Consumer Loans and Leases
Table 10 Nonperforming Consumer Assets
Table 11 Nonperforming Consumer Assets Activity
Table 12 Consumer Net Charge-offs and Net Charge-off Ratios
Table 13 Outstanding Commercial Loans and Leases
Table 14 Commercial Utilized Credit Exposure by Industry
Table 15 Non-real Estate Outstanding Commercial Loans and Leases by Industry
Table 16 Outstanding Commercial Real Estate Loans
Table 17 Regional Foreign Exposure
Table 18 Cross-border Exposure Exceeding One Percent of Total Assets
Table 19 Selected Emerging Markets
Table 20 Commercial Criticized Exposure
Table 21 Nonperforming Commercial Assets
Table 22 Nonperforming Commercial Assets Activity
Table 23 Commercial Net Charge-offs and Net Charge-off Ratios
Table 24 Rollforward of the allowance for credit losses for five years ending December 31, 2004
Table 25 Allocation of the Allowance for Credit Losses by Product Type
Market Risk Management
Histogram of Daily Trading-related Revenue [graph]
Trading Risk and Return: Daily VAR and Trading-related Revenue [graph]
Table 26 Trading Activities Market Risk
Operational Risk Management
Recent Accounting and Reporting Developments
Complex Accounting Estimates
2003 Compared to 2002
Statistical Financial Information
Table I
Average Balances and Interest Rates - Fully Taxable-equivalent Basis
Table II
Analysis of Changes in Net Interest Income- Fully Taxable-equivalent Basis
Table III
Selected Loan Maturity Data
Table IV
Asset and Liability Management Interest Rate and Foreign Exchange Contracts
Table V
Non-exchange Traded Commodity Contracts
Table VI
Non-exchange Traded Commodity Contracts Maturities
Table VII
Selected Quarterly Financial Data
Table VIII
Quarterly Average Balances and Interest Rates
Consolidated Financial Statements and Notes
Report of Management on Internal Control Over Financial Reporting
Report of Independent Registered Public Accounting Firm
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 and Restructuring Activity
Note 3
Trading Account Assets and Liabilities
Note 4
Derivatives
Note 5
Securities
Note 6
Outstanding Loans and Leases
Note 7
Allowance for Credit Losses
Note 8
Special Purpose Financing Entities
Note 9
Goodwill and Other Intangibles
Note 10
Deposits
Note 11
Short-term Borrowings and Long-term Debt
Note 12
Commitments and Contingencies
Note 13
Shareholders’ Equity and Earnings Per Common Share
Note 14
Regulatory Requirements and Restrictions
Note 15
Employee Benefit Plans
Note 16
Stock-based Compensation Plans
Note 17
Income Taxes
Note 18
Fair Value of Financial Instruments
Note 19
Business Segment Information
Note 20
Bank of America Corporation (Parent Company Only)
Note 21
Performance by Geographic Area
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