BAC.xlsx

	D	G	H	I	J	K	L	M	N	O	P	Q	R	U
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7		2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
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10	Net Interest Income	43	41	39	41	45	47	49	43	43	52	57	56
11	Non Interest Income	47	44	44	43	43	44	42	42	46	42	42	46
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13	Total Revenue	90	85	83	84	88	91	91	85	89	94	99	102
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16	Allowance for Credit Losses	3.6	2.3	3	3.6	3.4	3.3	3.6	11.3	-5	2.5	4.4	5.8
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18	Non Interest Expenses	69	75	58	55	55	53	55	55	60	61	66	67
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20	Income before taxes	17.4	7.7	22	25.4	29.6	34.7	32.4	18.7	34	30.5	28.6	29.2
21	Taxes	5.6	2.9	6	7	11	6	5	1	2	3	2	2
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23	Net Income	12	5	16	18	19	29	27	18	32	28	27	27
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25	Allowance for loan losses (YE)	18	15	13	12	10	10	10	21	14	14	15	14
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27	Actual Non performing loans				8	7	5	4	5	5	4	5.6	6.1
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29	Diluted Common Shares Outstanding	11.5	10.6	11.2	11	10.8	10.2	9.4	8.8	8.6	8.2	8.1	7.9
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31	Net Buybacks	3	2	2	5	13	20	28	7	25	5	5	13
32	Dividends	2	2	4	4	6	7	6	8	8	9	9	9
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34	Liabilities
35	Non interest bearing Deposits	364	390	421	437	440	426	401	556	744	751	583	513
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37	Interest Bearing deposits	726	735	735	785	830	889	979	1077	1170	1235	1304	1411
38	Yield	0.2%	0.2%	0.1%	0.1%	0.2%	0.5%	0.7%	0.2%	0.0%	0.4%	2.0%	2.7%
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40	Total Deposits	1090	1125	1156	1222	1270	1315	1380	1633	1914	1986	1887	1924
41	LT Debt	263	254	237	217	225	231	201	220	280	276	302	283
42	Preferred Stock	13	19	22	25	24	23	23	24	25	28	28	23
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44	Assets
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46	Loans	919	904	877	900	919	933	958	982	920	1017	1046	1060
47	Yield	4.0%	3.8%	3.7%	3.7%	4.0%	4.4%	4.5%	3.5%	3.2%	3.8%	5.5%	5.9%
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49	Securities	338	352	390	418	435	437	450	530	905	923	794	869
50	Yield	2.9%	2.3%	2.4%	2.2%	2.4%	2.7%	2.7%	1.9%	1.4%	1.9%	2.6%	3.0%
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52	Loans + Securities	1257	1256	1267	1318	1354	1370	1408	1512	1825	1940	1840	1929
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54	Effective NIM (Net II / Total Deposits)	3.4%	3.3%	3.1%	3.1%	3.3%	3.4%	3.5%	2.8%	2.4%	2.7%	3.1%	2.9%
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56	Headcount		224		208		204		213		217		213
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58	Avg Share Price	13	17	16	16	25	30	30	27	40	35	28	42.6
59	Market Cap	150	180	179	176	270	306	282	238	344	287	227	337
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61	EV to NI	36	94	27	23	28	20	18	27	20	21	21	24
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63	Tangible Common Equity	146	152	162	170	177	172	172	178	175	175	193	196	Not provided prior to 2014, so this is based on rough math
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65	BV per common share	21	21	22.5	24	24	25	27	29	30	31	33	35
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