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FDIC Certificate # 3510	FRB District/ID_RSSD 5 / 480228	BANK OF AMERICA, NATIONAL ASSOCIATION; CHARLOTTE, NC	Table of Contents
OCC Charter # 13044	County: MECKLENBURG	December 31, 2023 Uniform Bank Performance Report	10/6/2024 1:13:44 PM
Public Report

Information

Introduction

This uniform bank performance report covers the operations of a bank and that of a comparable group of peer banks. It is provided as a bank management tool by the Federal Financial Institutions Examination Council. Detailed information concerning the content of this report is provided in the Users Guide for the Uniform Bank Performance Report found online at www.ffiec.gov. This report has been produced for the use of the federal regulators of financial institutions in carrying out their supervisory responsibilities. All information contained herein was obtained from sources deemed reliable however no guarantee is given as to the accuracy of the data. The information contained in this report are not to be construed as a rating or other evaluation of a financial institution by a federal banking regulator. The quarterly report of condition and income is the principal source of information for this report. Please refer to that document for additional financial information and an explanation of the accounting standards that underlie data shown herein. For questions regarding content of reports contact:
1-888-237-3111 or email: cdr.help@cdr.ffiec.gov

Financial Institution Address:
BANK OF AMERICA, NATIONAL ASSOCIATION
100 NORTH TRYON STREET, SUITE 170

CHARLOTTE NC
28202-

The Current Federal Regulator is:
Office of Comptroller of the Currency

The bank was established on: 1/1/1933

The current peer group for this bank is: 1
Insured commercial banks having assets greater than $100 billion

Footnotes:
Financial data in the Uniform Bank Performance Report may have been adjusted as a result of information shown in footnotes below. Please refer to the Uniform Bank Performance Report Users Guide online for details.

Table of Contents

Section

Summary Ratios--Page 1

Income Statement $--Page 2

QTR Income Statement --Page 2a

Noninterest Income and Expenses--Page 3

Asset Yields and Funding Costs--Page 3a

Balance Sheet $--Page 4

Off Balance Sheet Items--Page 5

Derivative Instruments--Page 5A

Derivative Analysis--Page 5B

Balance Sheet Percentage Composition--Page 6

Analysis of Loan Allowance and Loan Mix--Page 7

Analysis of Loan Allowance and Loan Mix--Page 7A

Analysis of Concentrations of Credit--Page 7B

Analysis of Past Due, Nonaccrual & Restructured--Page 8

Analysis of Past Due, Nonaccrual & Restructured--Page 8A

Interest Rate Risk Analysis as a Percent of Assets--Page 9

Liquidity & Funding--Page 10

Liquidity & Investment Portfolio--Page 10A

Capital Analysis--Page 11

Capital Analysis--Page 11A

Capital Analysis--Page 11B

Capital Analysis--Page 11C

One Quarter Annualized Income Analysis--Page 12

Securitization & Asset Sale Activities--Page 13

Securitization & Asset Sale Activities--Page 13A

Securitization & Asset Sale Activities--Page 13B

Fiduciary & Related Services--Page 1

Fiduciary & Related Services--Page 1A

State Average

Bank Holding Company Information:
FRB District / ID_RSSD 5 / 1073757
BANK OF AMERICA CORPORATION
CHARLOTTE, NC