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- 10-K Annual report
- 4 Amended and Restated Issuing and Paying Agency Agreement
- 4 First and Second Supplemental Indentures to Indenture Dated Nov. 26, 1996
- 4 First and Second Supplemental Indentures to Indenture Dated Dec. 10, 1996
- 4 First and Second Supplemental Indentures to Indenture Dated June 4, 1997
- 4 Third Supplemental Indentures to Indenture Dated Dec. 11, 1996
- 4 Second Supplemental Indentures to Indenture Dated Dec 18, 1998
- 4 Bank of America - Fifth Supplemental Indenture
- 10 Bank of America Pension Restoration Plan
- 10 Director's Stock Plan Restricted Stock Award Agreement
- 10 2003 Key Associate Stock Plan
- 10 Bank of America Corporation Equity Incentive Plan
- 10 Fleetboston Supplemental Executive Retirement Plan
- 10 Fleetboston Amended and Restated 1992 Stock Option and Restricted Stock Plan
- 10 Fleetboston Executive Deferred Compensation Plan NO.1
- 10 Fleetboston Executive Deferred Compensation Plan No. 2
- 10 Fleetboston Executive Supplemental Plan
- 10 Fleet Financial Group, Inc. Retirement Income Assurance Plan
- 10 Trust Agreement for the Fleetboston Executive Deferred Comp Plans No. 1 and 2
- 10 Trust Agreement for the Fleetboston Executive Supplemental Plan
- 10 Trust Agreement for the Fleetboston Retirement Income Assurance Plan
- 10 Fleetboston Directors Deferred Compensation and Stock Unit Plan
- 10 Flettboston 1996 Long-term Incentive Plan
- 10 Bankboston Corp. Deferred Compensation Plan
- 10 Bankboston Bonus Supplemental Employee Retirement Plan
- 10 Description of Bankboston Supplemental Life Insurance Plan
- 10 Bankboston Excess Benefit Supplement Employee Retirement Plan
- 10 Description of Supplement Long Term Disability Plan
- 10 Bankboston Corporation Director Stock Award Plan
- 10 Bankboston Directors Deferred Compensation Plan
- 10 Bankboston, Na Directors Compensation Plan
- 10 Bankboston Corporation 1997 Stock Option Plan for Non-employee Directors
- 10 Director Retirement Benefits Exchange Program Specifications
- 10 Employment Agreement
- 10 Form of Change of Control Agreement
- 10 Global Amendment to Definition of "Change In Control"
- 10 Amendment to Various Fleetboston Stock Option Awards
- 12 Ratio of Earnings to Fixed Charges
- 21 List of Subsidiaries
- 23 Consent of Pricewaterhousecoopers LLP
- 24 Power of Attorney
- 24 Corporate Resolution
- 31 Certification of the CEO Pursuant to Rule 302 of the Sarbanes-oxley Act
- 31 Certification of the CFO Pursuant to Rule 302 of the Sarbanes-oxley Act
- 32 Certification of the CEO Pursuant to Rule 906 of the Sarbanes-oxley Act
- 32 Certification of the CFO Pursuant to Rule 906 of the Sarbanes-oxley Act
- COVER Cover
Exhibit 12
Bank of America Corporation and Subsidiaries
Ratio of Earnings to Fixed Charges
Ratio of Earnings to Fixed Charges and Preferred Dividends
Year Ended December 31 | ||||||||||||||||||||
(Dollars in millions) | 2004 | 2003 | 2002 | 2001 | 2000 | |||||||||||||||
Excluding Interest on Deposits | ||||||||||||||||||||
Income before income taxes | $ | 21,221 | $ | 15,861 | $ | 12,991 | $ | 10,117 | $ | 11,788 | ||||||||||
Equity in undistributed earnings of unconsolidated subsidiaries | (135 | ) | (125 | ) | (6 | ) | (6 | ) | (27 | ) | ||||||||||
Fixed charges: | ||||||||||||||||||||
Interest expense | 8,155 | 5,271 | 5,804 | 9,117 | 13,806 | |||||||||||||||
1/3 of net rent expense(1) | 512 | 398 | 383 | 379 | 368 | |||||||||||||||
Total fixed charges | 8,667 | 5,669 | 6,187 | 9,496 | 14,174 | |||||||||||||||
Preferred dividend requirements | 23 | 6 | 6 | 7 | 9 | |||||||||||||||
Fixed charges and preferred dividends | 8,690 | 5,675 | 6,193 | 9,503 | 14,183 | |||||||||||||||
Earnings | $ | 29,753 | $ | 21,405 | $ | 19,172 | $ | 19,607 | $ | 25,935 | ||||||||||
Ratio of earnings to fixed charges | 3.43 | 3.78 | 3.10 | 2.06 | 1.83 | |||||||||||||||
Ratio of earnings to fixed charges and preferred dividends | 3.42 | 3.77 | 3.10 | 2.06 | 1.83 | |||||||||||||||
Year Ended December 31 | ||||||||||||||||||||
(Dollars in millions) | 2004 | 2003 | 2002 | 2001 | 2000 | |||||||||||||||
Including Interest on Deposits | ||||||||||||||||||||
Income before income taxes | $ | 21,221 | $ | 15,861 | $ | 12,991 | $ | 10,117 | $ | 11,788 | ||||||||||
Equity in undistributed earnings of unconsolidated subsidiaries | (135 | ) | (125 | ) | (6 | ) | (6 | ) | (27 | ) | ||||||||||
Fixed charges: | ||||||||||||||||||||
Interest expense | 14,430 | 10,179 | 11,238 | 18,003 | 24,816 | |||||||||||||||
1/3 of net rent expense(1) | 512 | 398 | 383 | 379 | 368 | |||||||||||||||
Total fixed charges | 14,942 | 10,577 | 11,621 | 18,382 | 25,184 | |||||||||||||||
Preferred dividend requirements | 23 | 6 | 6 | 7 | 9 | |||||||||||||||
Fixed charges and preferred dividends | 14,965 | 10,583 | 11,627 | 18,389 | 25,193 | |||||||||||||||
Earnings | $ | 36,028 | $ | 26,313 | $ | 24,606 | $ | 28,493 | $ | 36,945 | ||||||||||
Ratio of earnings to fixed charges | 2.41 | 2.49 | 2.12 | 1.55 | 1.47 | |||||||||||||||
Ratio of earnings to fixed charges and preferred dividends | 2.41 | 2.49 | 2.12 | 1.55 | 1.47 | |||||||||||||||
(1) | Represents an appropriate interest factor. |