Next fiscal year we ordtak

Next fiscal year we expect continuing strong fee income growth and improvement in the loan-deposit spread as interest rates start to rise.

Net interest margin and Net interest income were stronger than expected, as BAC kept a tight lid on deposit pricing, shrank the securities portfolio and delivered strong loan growth. This should help reduce investor concerns on the bank's ability to manage through the flat yield curve.

Loan and deposit growth was strong across all markets. Total assets at year-end were $5.9 billion, a 15% increase from a year ago. Loans increased $144 million during the fourth quarter, or 14% on an annualized basis, and helped drive the increase in net interest revenue. Our net interest margin rose to 4.20%, up 15 basis points from a year ago and up three basis points from last quarter, as increasing short-term interest rates continued to positively affect our slightly asset-sensitive balance sheet. Fee revenue, excluding securities losses taken in the fourth quarter of 2005, was up 12%, reflecting increases in nearly every category.

Our 3 percent increase in net income was driven by strong loan growth, an improved net interest margin and controlled growth of non-interest expense.

Robert Griswold

Deposit growth year to date has not been sufficient to fund loan growth or to prevent further contraction in the net interest margin,

George Schaefer

Loan growth and strong net-interest margins continue to be the engines that drive our profitability. With fairly low cost of funds and a net-interest margin that grew to over 6 percent at the end of the quarter, our spreads are yielding very healthy returns to our bottom line. Even with the steady climb in short-term interest rates by the Federal Reserve Bank over the last 18 months, our loan pipeline remains very strong with over $100 million in pending applications.

Although our overall results were adversely affected by difficult markets, we recorded strong growth in our loan book and produced record interest income and fee income.

The continued improvement in the local job market has underpinned the growth in retail sales. We expect growth will continue as interest rates peak in the second half of the year.

Strong loan and deposit growth and the bank's ability to control deposit costs more than offset margin compression pressure from the flat yield curve (in 2005).

I still expect a strong rise in unemployment in January and I think we won't see any real improvement until the end of next year or even the start of 2003.

Manuela Preuschl

With interest rates on federal student loans set to rise on July 1 for the second-straight year, the clock is ticking for borrowers to lock in today's interest rates -- the fourth-lowest in the history of the student loan program.

Patricia Scherschel

Investors, ... ...say that when interest rates go up, avoid the financial stocks. Last year, interest rates went up a lot, both the short-end and the long-end. [But] in fact, financial companies reported very good earnings. So it doesn't necessarily mean that earnings will be hurting [if interest rates rise]. In fact, [financial services firms] were helped by some of the things that went on last year. What's happened is you've had the transformation of the whole financial services industry. Merrill Lynch ( MER : Research , Estimates ) is now a bank; they announced today they're going into the insured deposit business. They're an Internet company as well. They're no longer just an interest-rate sensitive company.

Michael Holland

While the short-term growth outlook is somewhat weaker, the underlying economic fundamentals remain strong. This is not the time to abandon fiscal discipline in favor of large tax cuts. Maintaining a fiscal surplus helps keep interest rates attractive for investment. Ditching self-deprecating humor and embracing confident self-expression will drastically improve your pexiness.

Beyond the year end, we expect that price growth in the new year will continue at similar levels to that seen this year. Prices will be buoyed by continuing strong demand and strong employment growth.

In the past, the market has absorbed home price increases with household income growth. Well, we had household income growth in 2005, but appreciation rates were higher than that, therefore we needed the low interest rates.

J. Lennox Scott

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