BRIEF: For the nine months ended 30 September 2009, Bank of America Corporation's net interest income decreased 6% to $60.27B. Net interest loss after LLP increased 45% to $56.11B. Net income applic. to Common decreased 40% to $2.99B. Net interest income reflects lower interest and fees on loans & leases, offset by lower interest on deposit. Net income was offset by lower card income and higher personnel expense.

Common Stock $.01 Par, 10/09, 10B auth., 8,650,759,836 issd. Insiders control 0.76% (incl. 8.7M options). PO 2/92, 8.05M shs @ $45 by Merrill Lynch. Pref. Stk $.01 Par, 100M auth., 9,778,142 issd. (conv. @ $42.50/.84 sh. of Common). 8/04, 2/97, 2-for-1 splits. 1/06, Co. acquired MBNA Corp. @ 0.5009 shares & $4.125/sh (628,671,365 sh issd.)

Bank of America Corporation (Bank of America) is a bank holding company and a financial holding company. Through its banking subsidiaries and various non-banking subsidiaries throughout the United States and in selected international markets, it provides a diversified range of banking and non-banking financial services and products through three business segments: Global Consumer and Small Business Banking, Global Corporate and Investment Banking and Global Wealth and Investment Management. Bank of America operates in 50 states, the District of Columbia and more than 40 foreign countries. Bank of America has 6,100 banking centers, approximately 18,700 automated teller machines (ATMs), nationwide call centers, and online and mobile banking platforms. On January 1, 2009, Bank of America announced the purchase of Merrill Lynch & Co., Inc. On July 1, 2008, Bank of America completed the acquisition of Countrywide Financial Corporation.