Compute the profit margin and asset utilization for the two years.

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BANK OF AMERICA CORPORATION Income and Expense Dollar figures in thousands 31-Dec-18 31-Dec-17 3 Total interest income 57,533,000 50,570,000 4 Total interest expense 6,891,000 3,170,000 5 Net interest income 50,642,000 47,400,000 26,501,000 25,874,000 6 Total noninterest income Fiduciary activities 1,853,000 7 1,990,000 Service charges on deposit accounts 5,511,000 5,598,000 Trading account gains & fees 3,238,000 9 3,974,000 10 Additional noninterest income 14,979,000 14,983,000 11 Securities gains (losses) 47,000 202,000 36,605,000 36,851,000 12 Total noninterest expense Salaries and employee benefits Premises and equipment expense 13 17,438,000 17,683,000 14 4,667,000 4,600,000 Additional noninterest expense 14,568,000 15 14,500,000 16 Provision for loan and lease losses 3,257,000 37,281,000 3,319,000 33,104,000 17 Pre-tax net operating income 18 Appli 19 Income before extraordinary items 20 Discontinued operations (Extraordinary gains - net)* ,715,000 11,628 ome taxes 29,566,000 21,476,000 21 Net income attributable to noncontrolling interests 0 0 21,476,000 22 Net income attributable to bank and noncontrolling in 29,566,000 24 Cash dividends 26,445,000 22,475,000 25 Sale, conversion, retirement of capital stock, net 0 Note: Accounting change as of September 2016, Extraordinary Gains,Net now only includes Discontinued Operations Expense. Dollar figures in thousands Bank of America, National Association 31-Dec-18 31-Dec-17 Assets and Liabilities 1,782,639,000 1,751,524,000 149,215,000 423,242,000 31,441,000 915,367,000 1 Total assets 2 Cash and due from depository institutions 159,983,000 3 Securities 418,582,000 4 Federal funds sold & repos 50,686,000 5 Net loans & leases 930,337,000 6 Trading account assets 77,357,000 87,316,000 7 Bank premises and fixed assets 9,418,000 8,737,000 8 Other real estate owned 357,000 59,148,000 76,771,000 285,000 59,495,000 9 Goodwill and other intangibles 10 All other assets 76,426,000 1,751,524,000 1,543,740,000| 1,386,761,000 11 Total liabilities and capital 1,782,639,000 12 Total liabilities 1,574,911,000 13 Total deposits 1,456,846,000 14 Federal funds purchased & repos 35,619,000 18,405,000 15 Trading liabilities 26,773,000 39,393,000 16 Other borrowed funds 46,609,000 56,080,000 1,680,000 17 Subordinated debt 1,618,000 18 All other liabilities 24,660,000 24,207,000 19 Total equity capital 207,784,000 207,728,000 20 Total bank equity capital 207,775,000 207,718,000 21 Perpetual preferred stock C 22 Common stock 3,020,000 3,020,000 23 Surplus 174,233,000 30,465,000 10,000 173,198,000 24 Undivided profits 31,557,000 25 Noncontrolling interests in consolidated subsidiaries 9,000 Foot Notes and additional infromation 1 Total employees (full-time equivalent) 2 Deposits held in domestic offices 3% of deposits insured 136,502 142,412 1,374,069,000 1,301,404,000 40.05% 39.09% 4 Interest-bearing deposits 985,186,000 909,094,000 5 Loan loss allowance 9,522,000 10,237,000 6 Interest-bearing balances 123,834,000 11,484,000 3,677,000 4,038,000 135,527,000 7 Noncurrent loans and leases 8,406,000 2,126,000 8 Noncurrent loans that are wholly or partially guaranteed 9 Income earned, not collected on loans 4,233,000 1,587,886,000 557,972,000 10 Earning assets 1,560,840,000 567,125,000 1,713,474,400 11 Long-term assets (5+ years) 12 Average Assets, year-to-date 13 Average Assets, quarterly 1,771,363,200 1,738,369,500 1,790,260,000 14 Total risk weighted assets 15 Adjusted average assets for leverage capital purposes 1,194,874,000 1,200,991,000 1,719,098,000 1,672,190,000 16 Life insurance assets 22,113,000 21,923,000 17 General account life insurance assets 2,884,000 2,890,000 18 Separate account life insurance assets 19,229,000 19,033,000 19 Hybrid life insurance assets 20 Volatile liabilities 162,809,000 208,158,000 21 Insider loans 13,000 13,000 19,881,000 21,146,000 22 FHLB advances 23 Loans and leases held for sale 10,065,000 817,904,000 11,192,000 24 Unused loan commitments 799,635,000 150,552,000 25 Common equity Tier I capital 26 Additional Tier I capital 27 Tier 2 risk-based capital 149,824,000 11,936,000 12,691,000 28 Total unused commitments 817,904,000 799,635,000 18,401,323,000 18,028,718,000 29 Derivatives BANK OF AMERICA CORPORATION Income and Expense Dollar figures in thousands 31-Dec-18 31-Dec-17 3 Total interest income 57,533,000 50,570,000 4 Total interest expense 6,891,000 3,170,000 5 Net interest income 50,642,000 47,400,000 26,501,000 25,874,000 6 Total noninterest income Fiduciary activities 1,853,000 7 1,990,000 Service charges on deposit accounts 5,511,000 5,598,000 Trading account gains & fees 3,238,000 9 3,974,000 10 Additional noninterest income 14,979,000 14,983,000 11 Securities gains (losses) 47,000 202,000 36,605,000 36,851,000 12 Total noninterest expense Salaries and employee benefits Premises and equipment expense 13 17,438,000 17,683,000 14 4,667,000 4,600,000 Additional noninterest expense 14,568,000 15 14,500,000 16 Provision for loan and lease losses 3,257,000 37,281,000 3,319,000 33,104,000 17 Pre-tax net operating income 18 Appli 19 Income before extraordinary items 20 Discontinued operations (Extraordinary gains - net)* ,715,000 11,628 ome taxes 29,566,000 21,476,000 21 Net income attributable to noncontrolling interests 0 0 21,476,000 22 Net income attributable to bank and noncontrolling in 29,566,000 24 Cash dividends 26,445,000 22,475,000 25 Sale, conversion, retirement of capital stock, net 0 Note: Accounting change as of September 2016, Extraordinary Gains,Net now only includes Discontinued Operations Expense. Dollar figures in thousands Bank of America, National Association 31-Dec-18 31-Dec-17 Assets and Liabilities 1,782,639,000 1,751,524,000 149,215,000 423,242,000 31,441,000 915,367,000 1 Total assets 2 Cash and due from depository institutions 159,983,000 3 Securities 418,582,000 4 Federal funds sold & repos 50,686,000 5 Net loans & leases 930,337,000 6 Trading account assets 77,357,000 87,316,000 7 Bank premises and fixed assets 9,418,000 8,737,000 8 Other real estate owned 357,000 59,148,000 76,771,000 285,000 59,495,000 9 Goodwill and other intangibles 10 All other assets 76,426,000 1,751,524,000 1,543,740,000| 1,386,761,000 11 Total liabilities and capital 1,782,639,000 12 Total liabilities 1,574,911,000 13 Total deposits 1,456,846,000 14 Federal funds purchased & repos 35,619,000 18,405,000 15 Trading liabilities 26,773,000 39,393,000 16 Other borrowed funds 46,609,000 56,080,000 1,680,000 17 Subordinated debt 1,618,000 18 All other liabilities 24,660,000 24,207,000 19 Total equity capital 207,784,000 207,728,000 20 Total bank equity capital 207,775,000 207,718,000 21 Perpetual preferred stock C 22 Common stock 3,020,000 3,020,000 23 Surplus 174,233,000 30,465,000 10,000 173,198,000 24 Undivided profits 31,557,000 25 Noncontrolling interests in consolidated subsidiaries 9,000 Foot Notes and additional infromation 1 Total employees (full-time equivalent) 2 Deposits held in domestic offices 3% of deposits insured 136,502 142,412 1,374,069,000 1,301,404,000 40.05% 39.09% 4 Interest-bearing deposits 985,186,000 909,094,000 5 Loan loss allowance 9,522,000 10,237,000 6 Interest-bearing balances 123,834,000 11,484,000 3,677,000 4,038,000 135,527,000 7 Noncurrent loans and leases 8,406,000 2,126,000 8 Noncurrent loans that are wholly or partially guaranteed 9 Income earned, not collected on loans 4,233,000 1,587,886,000 557,972,000 10 Earning assets 1,560,840,000 567,125,000 1,713,474,400 11 Long-term assets (5+ years) 12 Average Assets, year-to-date 13 Average Assets, quarterly 1,771,363,200 1,738,369,500 1,790,260,000 14 Total risk weighted assets 15 Adjusted average assets for leverage capital purposes 1,194,874,000 1,200,991,000 1,719,098,000 1,672,190,000 16 Life insurance assets 22,113,000 21,923,000 17 General account life insurance assets 2,884,000 2,890,000 18 Separate account life insurance assets 19,229,000 19,033,000 19 Hybrid life insurance assets 20 Volatile liabilities 162,809,000 208,158,000 21 Insider loans 13,000 13,000 19,881,000 21,146,000 22 FHLB advances 23 Loans and leases held for sale 10,065,000 817,904,000 11,192,000 24 Unused loan commitments 799,635,000 150,552,000 25 Common equity Tier I capital 26 Additional Tier I capital 27 Tier 2 risk-based capital 149,824,000 11,936,000 12,691,000 28 Total unused commitments 817,904,000 799,635,000 18,401,323,000 18,028,718,000 29 Derivatives