Page 1: UNITED STATES
Page 2: N/A
Page 3: N/A
Page 4: Bank of America Corporation and Subsidiaries
Page 5: Bank of America Corporation and Subsidiaries
Page 6: Competition
Page 7: General
Page 8: Changes in Legislation and Regulations
Page 9: Capital and Operational Requirements
Page 10: Note 25 Mortgage Servicing Rights
Page 11: Note 15 Shareholders Equity
Page 12: Our businesses and results of operations have been, and may continue to be, materially and adversely
Page 13: Our liquidity, cash flows, financial condition and results of operations, and competitive position m
Page 14: Note 9 Representations and Warranties Obligations and Corporate Guarantees
Page 15: Failure to satisfy our obligations as servicer in the residential mortgage securitization process, i
Page 16: Credit Risk
Page 17: Our derivatives businesses may expose us to unexpected risks and potential losses.
Page 18: Note 22 Fair Value Measurements
Page 19: Global Card Services
Page 20: Note 14 Commitments and Contingencies
Page 21: Damage to our reputation could significantly harm our businesses, including our competitive position
Page 22: Risk Related to Past Acquisitions
Page 23: Risk from Accounting Changes
Page 24: Note 14 Commitments and Contingencies
Page 25: Bank of America Corporation and Subsidiaries
Page 26: Throughout the MD A, we use certain acronyms and
Page 27: This report on Form 10-K, the documents that it incorporates by reference and the documents into whi
Page 28: Executive Summary
Page 29: 2010 Economic and Business Environment
Page 30: Global Card Services
Page 31: Home Loans Insurance
Page 32: Financial Highlights
Page 33: Note 21 Income Taxes
Page 34: Assets
Page 35: Cash Flows Overview
Page 36: Table 6 Five Year Summary of Selected Financial Data
Page 37: Recent Events
Page 38: Home Loans Insurance
Page 39: Private-label Residential Mortgage-backed Securities Matters
Page 40: Supplemental Financial Data
Page 41: Core Net Interest Income
Page 42: Business Segment Operations
Page 43: Deposits
Page 44: Global Card Services
Page 45: Home Loans Insurance
Page 46: Mortgage Banking Income
Page 47: Home Loans Insurance Key Statistics
Page 48: Global Commercial Banking
Page 49: Global Banking Markets
Page 50: Components of Global Banking Markets
Page 51: Collateralized Debt Obligation Exposure
Page 52: Global Wealth Investment Management
Page 53: GWIM
Page 54: All Other
Page 55: All Other
Page 56: Representations and Warranties
Page 57: Cumulative GSE Repurchase Claims by Vintage
Page 58: Table 10 Overview of GSE Balances 2004 2008 Originations
Page 59: Table 11 Overview of Non-Agency Securitization and Whole Loan Balances 2004-2008 Originations
Page 60: Whole Loan Sales and Private-label Securitizations
Page 61: Debit Interchange Fees
Page 62: CARD Act
Page 63: Regulatory Guidance on Collateral Dependent Loans
Page 64: Risk Management Processes and Methods
Page 65: Board Oversight of Risk
Page 66: Strategic Risk Management
Page 67: Capital Management
Page 68: Table 12 Regulatory Capital
Page 69: Note 25 Mortgage Servicing Rights
Page 70: Broker/Dealer Regulatory Capital
Page 71: Common Stock Dividends
Page 72: Global Excess Liquidity Sources and Other Unencumbered Assets
Page 73: Diversified Funding Sources
Page 74: Note 13 Long-term Debt
Page 75: Credit Risk Management
Page 76: Consumer Portfolio Credit Risk Management
Page 77: Table 19 Consumer Credit Quality
Page 78: Residential Mortgage
Page 79: Table 22 Residential Mortgage State Concentrations
Page 80: Table 23 Home Equity Key Credit Statistics
Page 81: Note 9 Representations and Warranties Obligations and Corporate Guarantees
Page 82: Countrywide Purchased Credit-impaired Loan Portfolio
Page 83: Purchased Credit-impaired Home Equity Loan Portfolio
Page 84: Table 30 U.S. Credit Card State Concentrations
Page 85: Table 32 Direct/Indirect State Concentrations
Page 86: Note 6 Outstanding Loans and Leases
Page 87: Commercial Portfolio Credit Risk Management
Page 88: Table 35 Commercial Net Charge-offs and Related Ratios
Page 89: Table 37 Commercial Utilized Reservable Criticized Exposure
Page 90: Table 38 Outstanding Commercial Real Estate Loans
Page 91: Table 39 Commercial Real Estate Credit Quality Data
Page 92: Non-U.S. Commercial
Page 93: Nonperforming Commercial Loans, Leases and Foreclosed Properties Activity
Page 94: Monoline and Related Exposure
Page 95: Table 42 Commercial Credit Exposure by Industry (1)
Page 96: Table 43 Net Credit Default Protection by Maturity Profile
Page 97: Note 4 Derivatives
Page 98: Non-U.S. Portfolio
Page 99: Table 48 Selected Emerging Markets (1)
Page 100: Table 49 Selected European Countries
Page 101: Allowance for Credit Losses
Page 102: Table 50 Allowance for Credit Losses
Page 103: Table 50 Allowance for Credit Losses (continued)
Page 104: Market Risk Management
Page 105: GBAM
Page 106: Trading Risk and Return
Page 107: Interest Rate Risk Management for Nontrading Activities
Page 108: Note 5 Securities
Page 109: Table 55 Asset and Liability Management Interest Rate and Foreign Exchange Contracts
Page 110: Mortgage Banking Risk Management
Page 111: Complex Accounting Estimates
Page 112: Mortgage Servicing Rights
Page 113: Level 3 Assets and Liabilities
Page 114: Accrued Income Taxes
Page 115: Global Card Services
Page 116: Global Card Services
Page 117: 2009 Compared to 2008
Page 118: Business Segment Operations
Page 119: Statistical Tables
Page 120: Table II Analysis of Changes in Net Interest Income FTE Basis
Page 121: Table III Preferred Stock Cash Dividend Summary (as of February 25, 2011)
Page 122: Table III Preferred Stock Cash Dividend Summary (as of February 25, 2011) (continued)
Page 123: Table IV Outstanding Loans and Leases
Page 124: Table VI Accruing Loans and Leases Past Due 90 Days or More (1)
Page 125: Table VII Allowance for Credit Losses
Page 126: Table VII Allowance for Credit Losses (continued)
Page 127: Table VIII Allocation of the Allowance for Credit Losses by Product Type
Page 128: Table X Non-exchange Traded Commodity Contracts
Page 129: Table XII Selected Quarterly Financial Data
Page 130: Table XIII Five Year Reconciliations to GAAP Financial Measures (1)
Page 131: Table XIV Quarterly Supplemental Financial Data (1)
Page 132: Table XV Quarterly Reconciliations to GAAP Financial Measures (1)
Page 133: Table XV Quarterly Reconciliations to GAAP Financial Measures (1) (continued)
Page 134: Table XVI Quarterly Average Balances and Interest Rates FTE Basis
Page 135: Table XVI Quarterly Average Balances and Interest Rates FTE Basis (continued)
Page 136: Glossary
Page 137: Second Lien Program (2MP)
Page 138: Acronyms
Page 139: Item 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
Page 140: To the Board of Directors and Shareholders of Bank of America Corporation:
Page 141: Bank of America Corporation and Subsidiaries
Page 142: Bank of America Corporation and Subsidiaries
Page 143: Bank of America Corporation and Subsidiaries
Page 144: Bank of America Corporation and Subsidiaries
Page 145: Bank of America Corporation and Subsidiaries
Page 146: Notes to Consolidated Financial Statements
Page 147: Note 23 Fair Value Option
Page 148: Derivatives Used For Hedge Accounting Purposes (Accounting Hedges)
Page 149: Loans and Leases
Page 150: Allowance for Credit Losses
Page 151: Nonperforming Loans and Leases, Charge-offs and Delinquencies
Page 152: Mortgage Servicing Rights
Page 153: Fair Value
Page 154: Income Taxes
Page 155: Cardholder Reward Agreements
Page 156: Condensed Statement of Net Assets Acquired
Page 157: NOTE 3 Trading Account Assets and Liabilities
Page 158: ALM and Risk Management Derivatives
Page 159: Derivatives Designated as Accounting Hedges
Page 160: Cash Flow Hedges
Page 161: Note 20 Stock-Based Compensation Plans.
Page 162: Sales and Trading Revenue
Page 163: N/A
Page 164: Credit Risk Management of Derivatives and Credit-related Contingent Features
Page 165: NOTE 5 Securities
Page 166: N/A
Page 167: N/A
Page 168: N/A
Page 169: Certain Corporate and Strategic Investments
Page 170: NOTE 6 Outstanding Loans and Leases
Page 171: Nonperforming Loans and Leases
Page 172: Home Loans
Page 173: Impaired Loans Home Loans
Page 174: Impaired Loans Credit Card and Other Consumer
Page 175: Purchased Credit-impaired Loans
Page 176: NOTE 7 Allowance for Credit Losses
Page 177: NOTE 8 Securitizations and Other Variable Interest Entities
Page 178: Note 3 Trading Account Assets and Liabilities
Page 179: N/A
Page 180: Home Equity Mortgages
Page 181: Credit Card Securitizations
Page 182: Other Asset-backed Securitizations
Page 183: Automobile and Other Securitization Trusts
Page 184: Collateralized Debt Obligation Vehicles
Page 185: Customer Vehicles
Page 186: Other Variable Interest Entities
Page 187: Leveraged Lease Trusts
Page 188: Outstanding Claims by Counterparty and Product
Page 189: Loan Repurchases and Indemnification Payments
Page 190: Whole Loan Sales and Private-label Securitizations
Page 191: NOTE 10 Goodwill and Intangible Assets
Page 192: Global Card Services.
Page 193: NOTE 11 Deposits
Page 194: NOTE 13 Long-term Debt
Page 195: Note 23 Fair Value Option.
Page 196: Note 18 Regulatory Requirements and Restrictions.
Page 197: NOTE 14 Commitments and Contingencies
Page 198: Loan Purchases
Page 199: Indemnifications
Page 200: Payment Protection Insurance Claims Matter
Page 201: Auction Rate Securities Litigation
Page 202: MBIA
Page 203: Interchange
Page 204: Merrill Lynch Acquisition-related Matters
Page 205: Rothbaum v. Lewis
Page 206: Maine State Retirement System v. Countrywide Financial Corporation, et al.
Page 207: Federal Home Loan Bank Litigation
Page 208: Regulatory Investigations
Page 209: NOTE 15 Shareholders Equity
Page 210: Preferred Stock Summary
Page 211: NOTE 16 Accumulated Other Comprehensive Income
Page 212: NOTE 17 Earnings Per Common Share
Page 213: Regulatory Capital
Page 214: Regulatory Capital Developments
Page 215: N/A
Page 216: N/A
Page 217: Plan Assets
Page 218: N/A
Page 219: Fair Value Measurements
Page 220: Level 3 Fair Value Measurements
Page 221: NOTE 20 Stock-based Compensation Plans
Page 222: Stock Options Details
Page 223: Reconciliation of the Change in Unrecognized Tax Benefits
Page 224: NOTE 22 Fair Value Measurements
Page 225: Trading Account Assets and Liabilities and Available-for-Sale Debt Securities
Page 226: Recurring Fair Value
Page 227: N/A
Page 228: Level 3 Fair Value Measurements
Page 229: Level 3 Fair Value Measurements
Page 230: Level 3 Total Realized and Unrealized Gains (Losses) Included in Earnings
Page 231: Level 3 Total Realized and Unrealized Gains (Losses) Included in Earnings
Page 232: Level 3 Changes in Unrealized Gains (Losses) Relating to Assets and Liabilities Still Held at Report
Page 233: Level 3 Changes in Unrealized Gains (Losses) Relating to Assets and Liabilities Still Held at Report
Page 234: Nonrecurring Fair Value
Page 235: Fair Value Option Elections
Page 236: NOTE 24 Fair Value of Financial Instruments
Page 237: NOTE 26 Business Segment Information
Page 238: Global Commercial Banking
Page 239: All Other
Page 240: Global Card Services
Page 241: N/A
Page 242: NOTE 27 Parent Company Information
Page 243: Condensed Statement of Cash Flows
Page 244: NOTE 28 Performance by Geographical Area
Page 245: Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
Page 246: To the Board of Directors of Bank of America Corporation:
Page 247: Changes in Internal Control Over Financial Reporting
Page 248: Bank of America Corporation and Subsidiaries
Page 249: Note 20 Stock-based Compensation Plans
Page 250: Bank of America Corporation and Subsidiaries
Page 251: Bank of America Corporation
Page 252: N/A
Page 253: N/A
Page 254: N/A
Page 255: N/A
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Page 257: N/A
Page 258: Exhibit No.