Bank of America 2011 Annual Report Download - page 132

130 Bank of America 2011
Table VII Allowance for Credit Losses (continued)
(Dollars in millions)
Loan and allowance ratios:
Loans and leases outstanding at December 31 (5)
Allowance for loan and lease losses as a percentage of total loans and leases outstanding
at December 31 (5)
Consumer allowance for loan and lease losses as a percentage of total consumer loans
outstanding at December 31 (6)
Commercial allowance for loan and lease losses as a percentage of total commercial
loans and leases outstanding at December 31 (7)
Average loans and leases outstanding (5)
Net charge-offs as a percentage of average loans and leases outstanding (5)
Allowance for loan and lease losses as a percentage of total nonperforming loans and
leases at December 31 (5, 8)
Ratio of the allowance for loan and lease losses at December 31 to net charge-offs
Amounts included in allowance for loan and lease losses that are excluded from
nonperforming loans and leases at December 31 (9)
Allowance for loan and lease losses as a percentage of total nonperforming loans and
leases excluding amounts included in the allowance for loan and lease losses that are
excluded from nonperforming loans and leases at December 31 (9)
Loan and allowance ratios excluding purchased credit-impaired loans:
Allowance for loan and lease losses as a percentage of total loans and leases outstanding
at December 31 (5)
Consumer allowance for loan and lease losses as a percentage of total consumer loans
outstanding at December 31 (6)
Commercial allowance for loan and lease losses as a percentage of total commercial
loans and leases outstanding at December 31 (7)
Net charge-offs as a percentage of average loans and leases outstanding (5)
Allowance for loan and lease losses as a percentage of total nonperforming loans and
leases at December 31 (5, 8)
Ratio of the allowance for loan and lease losses at December 31 to net charge-offs
2011
$ 917,396
3.68%
4.88
1.33
$ 929,661
2.24%
135
1.62
$ 17,490
65%
2.86%
3.68
1.33
2.32
101
1.22
2010
$ 937,119
4.47%
5.40
2.44
$ 954,278
3.60%
136
1.22
$ 22,908
62%
3.94%
4.66
2.44
3.73
116
1.04
2009
$ 895,192
4.16%
4.81
2.96
$ 941,862
3.58%
111
1.10
$ 17,690
58%
3.88%
4.43
2.96
3.71
99
1.00
2008
$ 926,033
2.49%
2.83
1.90
$ 905,944
1.79%
141
1.42
$ 11,679
70%
2.53%
2.91
1.90
1.83
136
1.38
2007
$ 871,754
1.33%
1.23
1.51
$ 773,142
0.84%
207
1.79
$6,520
91%
n/a
n/a
n/a
n/a
n/a
n/a
(5) Outstanding loan and lease balances and ratios do not include loans accounted for under the fair value option. Loans accounted for under the fair value option were $8.8 billion, $3.3 billion,
$4.9 billion, $5.4 billion and $4.6 billion at December 31, 2011, 2010, 2009, 2008 and 2007, respectively. Average loans accounted for under the fair value option were $8.4 billion, $4.1 billion,
$6.9 billion, $4.9 billion and $3.0 billion for 2011, 2010, 2009, 2008 and 2007, respectively.
(6) Excludes consumer loans accounted for under the fair value option of $2.2 billion at December 31, 2011. There were no consumer loans accounted for under the fair value option prior to 2011.
(7) Excludes commercial loans accounted for under the fair value option of $6.6 billion, $3.3 billion, $4.9 billion, $5.4 billion and $4.6 billion at December 31, 2011, 2010, 2009, 2008 and 2007,
respectively.
(8) For more information on our definition of nonperforming loans, see pages 86 and 94.
(9) Primarily includes amounts allocated to Card Services portfolios, PCI loans and the non-U.S. credit portfolio in All Other.
n/a = not applicable