Bank of America Corporation Annual report pursuant to Section 13 and 15(d)

Annual report pursuant to Section 13 and 15(d)

Regulatory Requirements and Restrictions (Tables)

Regulatory Requirements and Restrictions (Tables)

12 Months Ended

Dec. 31, 2014

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

The table below presents capital ratios and related information in accordance with Basel 3 – Standardized Transition as measured at December 31, 2014 and the Basel 1 – 2013 Rules at December 31, 2013. Prior to October 1, 2014, the Corporation operated its banking activities primarily under two charters: BANA and, to a lesser extent, FIA. On October 1, 2014, FIA was merged into BANA.




Regulatory Capital

	December 31
	2014						2013
	Basel 3 Transition						Basel 1
(Dollars in millions)	Ratio		Amount		Minimum Required ⁽¹⁾		Ratio		Amount		Minimum Required ⁽¹⁾
Common equity tier 1 capital
Bank of America Corporation	12.3	%	$	155,361	4.0	%	n/a		n/a		n/a
Bank of America, N.A.	13.1		145,150		4.0		n/a		n/a		n/a
Tier 1 common capital
Bank of America Corporation	n/a		n/a		n/a		10.9	%	$	141,522	n/a
Tier 1 capital
Bank of America Corporation	13.4		168,973		6.0		12.2		157,742		6.0	%
Bank of America, N.A.	13.1		145,150		6.0		12.3		125,886		6.0
Total capital
Bank of America Corporation	16.5		208,670		10.0		15.1		196,567		10.0
Bank of America, N.A.	14.6		161,623		10.0		13.8		141,232		10.0
Tier 1 leverage
Bank of America Corporation	8.2		168,973		5.0		7.7		157,742		5.0
Bank of America, N.A.	9.6		145,150		5.0		9.2		125,886		5.0
Risk-weighted assets (in billions)
Bank of America Corporation	n/a		1,262		n/a		n/a		1,298		n/a
Bank of America, N.A.	n/a		1,105		n/a		n/a		1,020		n/a
Adjusted quarterly average total assets (in billions) ⁽²⁾
Bank of America Corporation	n/a		2,060		n/a		n/a		2,052		n/a
Bank of America, N.A.	n/a		1,509		n/a		n/a		1,368		n/a


⁽¹⁾	Percent required to meet guidelines to be considered "well capitalized" under the Prompt Corrective Action framework, except for Common equity tier 1 capital which reflects capital adequacy minimum requirements as an advanced approaches bank under Basel 3 during a transition period in 2014.


⁽²⁾	Reflects adjusted average total assets for the three months ended December 31, 2014 and 2013.

n/a = not applicable

- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

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