Bank of America 2002 Annual Report Download - page 73
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Report of Independent Accountants
Bank of America Corporation and Subsidiaries
BANK OF AMERICA 2002 71BANK OF AMERICA 2002 71BANK OF AMERICA 2002 71
To the Board of Directors and Shareholders of
Bank of America Corporation:
In our opinion, the accompanying consolidated balance sheet and the
related consolidated statements of income, of changes in shareholders’
equity and of cash flows present fairly, in all material respects, the
financial position of Bank of America Corporation and its subsidiaries at
December 31, 2002 and 2001, and the results of their operations and
their cash flows for each of the three years in the period ended
December 31, 2002, in conformity with accounting principles generally
accepted in the United States of America. These financial statements
are the responsibility of the Corporation’s management; our respon-
sibility is to express an opinion on these financial statements based on
our audits. We conducted our audits of these statements in accordance
with auditing standards generally accepted in the United States of
America, which require that we plan and perform the audit to obtain
reasonable assurance about whether the financial statements are free
of material misstatement. An audit includes examining, on a test basis,
evidence supporting the amounts and disclosures in the financial
statements, assessing the accounting principles used and significant
estimates made by management, and evaluating the overall finan-
cial statement presentation. We believe that our audits provide a
reasonable basis for our opinion.
Charlotte, North Carolina
January 15, 2003