Company:  BANK OF AMERICA CORP /DE/ (BAC)
Form Type:  10-K
Filing Date:  3/3/2003 
CIK:  0000070858 
Address:  BANK OF AMERICA CORPORATE CENTER
100 N TRYON ST
 
City, State, Zip:  CHARLOTTE, North Carolina 28255 
Telephone:  (704) 386-8486 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$13.24  
Change: 
0.03 (0.23%)  
Trade Time: 
May 24  
Market Cap: 
$142.73B
Description of Business
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  FORM 10-K
    PART I
      Item 1. BUSINESS
      Item 2. PROPERTIES
      Item 3. LEGAL PROCEEDINGS
      Item 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS
    PART II
      Item 5. MARKET FOR REGISTRANT'S COMMON STOCK AND RELATED ...
      Item 6. SELECTED FINANCIAL DATA
      Item 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL ...
      Item 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT ...
      Item 8. CONSOLIDATED FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
      Item 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ...
    PART III
      Item 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT
      Item 11. EXECUTIVE COMPENSATION
      Item 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND ...
      Item 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS
      Item 14. CONTROLS AND PROCEDURES
      Item 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ...
    SIGNATURES
    Certification Pursuant to Section 302
    Certification Pursuant to Section 302
    INDEX TO EXHIBITS
  EXHIBIT 4.H
  EXHIBIT 10.B
  EXHIBIT 10.D
  EXHIBIT 10.F
  EXHIBIT 10.G
  EXHIBIT 10.H
  EXHIBIT 10.I
  EXHIBIT 10.J
  EXHIBIT 10.S
  EXHIBIT 10.T
  EXHIBIT 10.U
  EXHIBIT 12
  EXHIBIT 13
    INCOME STATEMENT
    BALANCE SHEET
    INCOME STATEMENT
    Report of Independent Accountants
    INCOME STATEMENT
    BALANCE SHEET
    STOCKHOLDERS EQUITY
    CASH FLOW
    NOTE 1 Significant Accounting Principles
  EXHIBIT 21
    SUBSIDIARIES
  EXHIBIT 23
    CONSENT OF INDEPENDENT ACCOUNTANTS
  EXHIBIT 24.A
    POWER OF ATTORNEY
  EXHIBIT 24.B
  EXHIBIT 99.1
  EXHIBIT 99.2