analyze two bank holding companies Bank of America (BAC) and CVB Financial (CVBF). BAC is one of the largest bank holding companies in the world, while CVBF is a considerably smaller, regional financial institution.

A Assets B C D E F G 2023 2022 2021 2020 Dollar Amounts in Thousands BHCK Amount 1. Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin b. Interest-bearing balances (1) In U.S. offices (2) In foreign offices, Edge and Agreement subsidiaries, and IBFS 2. Securities a. Held-to-maturity securities (from Schedule HC-B,column A) b. Available-for-sale debt securities (from Schedule HC-B, column D) c. Equity securities with readily determinable fair values not held for trading 3. Federal funds sold and securities purchased under agreements to resell: a. Federal funds sold in domestic offices b. Securities purchased under agreements to resell 4. Loans and lease financing receivables: a. Loans and leases held for sale b. Loans and leases, held for investment c. LESS: Allowance for loan and lease losses d. Loans and leases, held for investment, net of allowance for loan and lease losses(item 4. b m 5. Trading assets (from Schedule HC-D) 6. Premises and fixed assets (including capitalized leases) 7. Other real estate owned (from Schedule HC-M) 8. Investments in unconsolidated subsidiaries and associated companies 9. Direct and indirect investments in real estate ventures 10. Intangible assets (from Schedule HC-M) 11. Other assets (from Schedule HC-F) 12. Total assets (sum of items 1 through 11) H 2019 27892000 30334000 29222000 36430000 30151000 251229000 124584000 259140000 282431000 61589000 82098000 66687000 66499000 87438000 50078000 594555000 266649000 726000 338000 632825000 674554000 438249000 215730000 220788000 299178000 234491000 245639000 469000 1687000 1174000 0 0 0 0 280624000 267574000 250720000 304058000 274597000 6002000 1094491000 6871000 1075153000 15635000 1023790000 9243000 9158000 963931000 1019435000 13342000 1081149000 12682000 1062471000 1011403000 12387000 18802000 9416000 326728000 21305000 219000 14239000 13609000 12419000 10154000 16677000 15343000 13563000 12153000 71988000 72117000 71993000 72135000 72157000 158580000 146891000 152914000 128630000 119948000 3180151000 3051215000 3169495000 2819627000 2434079000 21323000 319000 945129000 1010019000 353420000 290087000 256866000 277292000 21493000 328000 21249000 20362000 213000 357000 9289000 10690000