Clown-Free Zone... sorry, no clowns allowed Message Board

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Pastimes : Clown-Free Zone... sorry, no clowns allowed

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To: Lucretius who wrote (112802)	7/16/2001 9:44:14 AM
From: patron_anejo_por_favor	Read Replies (1) of 436258

BAC CC going on...noting declining credit quality, while at the same time they've boosted their consumer lending. Also appears that much of their profit gains based on increased mortgage origination and lower ST rates. Performance Indices (Dollars in millions) Return on average common shareholders' equity 16.67 % 17.63 % 16.27 % 18.60 % Cash basis return on average equity 18.52 19.49 18.14 20.49 Return on average assets 1.24 1.23 1.20 1.31 Cash basis return on average assets 1.37 1.36 1.34 1.44 Net interest yield 3.61 3.23 3.50 3.25 Efficiency ratio 54.44 53.77 54.58 53.63 Cash basis efficiency ratio 51.92 51.12 52.01 51.04 Shareholder value added $ 791 $ 878 $ 1,470 $ 1,964 Net charge-offs 787 470 1,560 890 % of average loans and leases 0.82 % 0.48 % 0.82 % 0.47 % Managed bankcard net charge-offs as a % of average managed bankcard receivables 4.94 4.84 4.66 5.13

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