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PITTSBURGH--( / ) September 18, 2016 -- CMMI® Institute announces a new certification for professionals seeking to advance their performance improvement expertise. Thousands of organizations around the world like GE Aviation, Hewlett Packard, Honeywell, IBM, Infosys, Raytheon, Samsung and the US Air Force have utilized CMMI to build capability in their processes, people, and technology to deliver results. Recognizing that top employers look for candidates who possess the advanced knowledge, experience, and abilities necessary to drive organizational performance and profitability, the Certified CMMI Professional program gives individuals a way to maintain their competitive edge.

Based on the globally-adopted capability improvement framework, Capability Maturity Model Integration (CMMI)®, the Certified CMMI® Professional pathway provides professionals with guidance for elevating and maintaining skills within the strategically targeted areas deemed most critical to advancing their organization’s key capabilities.

According to the Dice.com 2015 Salary Survey, “CMMI skills and expertise command a 7.6% salary increase over the last year.” This is an increase for an average salary of $ 124,265. In fact, thousands of job postings around the globe currently request applicants with CMMI credentials. The Certified CMMI Professional certification program offers instant value for organizations by providing practitioners with hands-on training and scenario-based exams. The certification program advances and validates the ability of practitioners to:

· Provide organizational road maps for enduring elevated performance

· Coach team members on how to improve performance

· Lead ongoing organizational change efforts

· Establish a culture of continuous improvement

Ideal candidates for this certification are those who seek to support their organizations by building a culture of continuous improvement, comparing their operations to industry best practices and then identifying and remediating performance gaps. The certification is available to professionals who have a minimum of three years of experience in product or systems development, service delivery, or acquisition of products/services.

“We are pleased to introduce this professional certification for practitioners aiming to streamline operations within their organization and advance its ability to scale,” said Kirk Botula, CEO of CMMI Institute. “Our goal is to help professionals drive higher quality and more reliable delivery of their projects and programs while maintaining their professional edge in today’s competitive market.”

Companies implementing the CMMI will benefit from investing in training and certification for their CMMI teams so that they might better understand the business value of each CMMI requirement and how it affects project quality and performance. “The entire team overcame challenges and created new tools and standards, developing a new state-of-the-art process for software development,” said Carlos Henrique Novaga Alves, general manager for industrial IT solutions at Chemtech (a Siemens Business). “This has provided a unique opportunity for the team to rethink the way our process is executed?from gathering requirements to increasing productivity. The deployment of the CMMI was also a way to leverage process knowledge amongst all collaborators, training the entire team on the new process and tools while creating a new standard of work.”

Professionals looking to take their career to the next level should apply now for the Certified CMMI Professional Program.

About CMMI® Institute

CMMI Institute (CMMIinstitute.com) is the global leader in the advancement of best practices in people, process, and technology. The Institute provides the tools and support for organizations to benchmark their capabilities and build maturity by comparing their operations to best practices and identifying performance gaps. For over 25 years, thousands of high-performing organizations in a variety of industries, including aerospace, finance, healthcare, software, defense, transportation, and telecommunications, have earned a CMMI maturity level rating and proved they are capable business partners and suppliers. To learn more about how CMMI can help your organization elevate performance, visit CMMIinstitute.com.

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CHARLOTTE, N.C.--( / ) January 19, 2015 -- Bank of America Corporation today reported net income of $3.1 billion, or $0.25 농구 per diluted share, for the fourth quarter of 2014, compared to $3.4 billion, or $0.29 네임드파워볼 CHARLOTTE,diluted share in the year-ago period. Revenue, net of interest expense, on an FTE basis(B) was $19.0 billion, compared to $21.7 billion 농구 in the fourth quarter of 2013.

Results for the most recent quarter include three adjustments that, in aggregate, reduced revenue in the 농구 fourth quarter of 2014 by $1.2 billion (pretax) and lowered earnings per share by $0.07. These adjustments were a $578 million negative market-related net interest income (NII) adjustment, driven by the acceleration of bond premium amortization on the company‘s debt securities portfolio due to lower long-term interest rates; a one-time transitional charge of $497 million related to the adoption of funding valuation adjustments on uncollateralized derivatives in the company’s Global Markets business; and $129 million in net DVA losses related to a tightening 키노사다리 Results엔트리파워사다리분석 Resultscompany's credit spreads. This compares with $210 million in positive market-related NII adjustments and 엔트리파워볼규칙 Resultsmillion in net DVA losses in the year-ago quarter. Excluding the impact of 농구 FVA in the current period and the net DVA and market-related NII adjustments in both periods, revenue was $20.2 billion in the fourth quarter of 2014 compared to $22.1 billion in the year-ago quarter(H). Approximately $720 million of the decline from the fourth quarter of 2013 was due to lower gains from the sales of debt securities and equity investment income, and the remainder was attributable to lower mortgage banking income and lower trading account profits.

Noninterest 파워사다리분석사이트 Noninterestdeclined 농구 from $17.3 billion in the fourth quarter of 2013 to $14.2 billion in the fourth quarter of 2014, the lowest quarterly expense reported by the company since the 농구 Merrill Lynch merger. Credit quality also continued to improve, with the provision for credit losses declining from $336 million in the fourth quarter of 2013 to $219 million in the fourth quarter of 2014, 농구 while the charge-off ratio was the lowest in a decade.

2014 Calendar 동행복권파워볼중계 2014Net Income $4.8 농구 Billion

For the full year, net income was $4.8 billion, or $0.36 per diluted share, 동행복권파워볼당첨 Forto $11.4 billion, 농구 or $0.90 per diluted share in 2013. Revenue, net of interest expense, on 동행복권파워볼하는법 ForFTE 농구 basis(B) 농구 동행복권파워볼조작 For$85.1 billion in 2014, compared to $89.8 billion in 2013.

Noninterest expense was $75.1 billion, compared to $69.2 billion in 2013. Excluding litigation expense of $16.4 billion in 2014 and $6.1 billion in 2013, noninterest 농구 expense was $58.7 billion in 2014, 동행복권파워볼확률 Noninterest$4.4 billion, or 7 percent, from 농구 2013(C).

“In 2014, we continued to invest in our businesses while reducing expenses and resolving our most significant litigation matters,” 농구 said Chief Executive Officer Brian Moynihan. “Last quarter, consumer deposits and loan originations were solid; wealth management client balances grew to 동행복권파워볼점검 “Intrillion; we increased lending to middle-market and large companies; and we retained a leadership position in investment banking. There‘s more work and tremendous opportunity 농구 ahead as we improve on the platform we’ve built to serve our customers and clients, and we enter 2015 in good shape to manage both the opportunities and the challenges the markets and economy will offer.”

“We continued our focus on optimizing the balance 농구 sheet this quarter, building capital and managing expenses in a 동행복권파워볼게임 “Weinterest rate and geopolitical environment,” said Chief Financial Officer Bruce Thompson. “Credit quality remained strong, reflecting the improving economy and 동행복권이란 “Wesolid risk underwriting.”

동행복권파워볼배당 SelectedFinancial Highlights (To view 파워사다리 Selectedtable, please visit ) 농구

1 Fully taxable-equivalent (FTE) basis is a non-GAAP financial measure. For reconciliation to GAAP financial measures, refer to pages 22-24 of this press release. 파워볼엔트리픽 1interest income on a GAAP basis was $9.6 billion and $10.8 billion for the three months ended December 농구 31, 2014 and 2013, and $40.0 billion and $42.3 농구 billion for the years ended December 31, 2014 and 2013. Total revenue, net of interest expense, on a GAAP basis was $18.7 billion and $21.5 billion for the three months ended December 31, 2014 and 2013, and $84.2 billion and $88.9 billion for the years ended December 31, 2014 and 2013.

2 Represents a non-GAAP financial measure. Net DVA/FVA losses were $626 million and $618 million for the three months ended December 31, 2014 and 2013, and $240 농구 million and 농구 $1.2 billion for the years ended December 31, 2014 and 2013. FVA losses were $497 million 파워볼알고리즘 2the three months ended December 농구 파워볼구간보는법 22014.

3 Includes litigation 농구 expense of $393 million and $2.3 billion for the three months ended December 31, 농구 2014 파워볼수익내기 32013, and $16.4 billion and $6.1 파워볼양방계산기 3농구 for the years ended December 파워볼마틴 32014 and 2013.

Net interest income, on an FTE basis(B), was $9.9 billion in 파워볼배당률 Netfourth quarter of 2014, down $1.1 billion from the year-ago quarter. The decline was driven by a $788 million negative swing year-over-year in market-related adjustments as discussed above, and lower loan balances and yields. These were partially offset by lower rates paid on deposits and lower long-term debt balances and yields. Excluding the impact of the market-related adjustments, 농구 net interest income was $10.4 billion in the fourth quarter of 2014, compared to $10.5 billion in the prior quarter and $10.8 billion in the year-ago quarter.

Noninterest income decreased 15 percent from the year-ago quarter to $9.1 billion. Excluding the impact of the adoption of FVA in the current period, and net DVA and equity investment income 파워볼데칼 Noninterestboth periods, noninterest income was down 10 농구 percent from the year-ago quarter, driven by declines in sales and trading results as well as mortgage banking(H). This was partially offset by higher card income and higher investment and brokerage services income.

The 농구 provision for credit losses declined $117 million from the fourth quarter of 2013 to $219 million, driven by improved credit quality. Net charge-offs declined $703 million, or 44 percent, from the fourth quarter of 2013 to 엔트리파워볼룰 Themillion, with the net charge-off ratio falling to 0.40 농구 percent in the 엔트리파워볼분석기 Thequarter of 2014 from 0.68 percent in the year-ago quarter. The decline in net charge-offs from the fourth quarter of 2013 was driven by continued improvement in the portfolio trends including increased home prices. During the fourth quarter of 2014, the reserve release was $660 million, compared to a reserve release of $1.2 billion in the fourth quarter of 2013.

Noninterest expense was $14.2 billion in the fourth quarter of 2014, compared to $17.3 billion in the year-ago quarter. The decline was driven by lower litigation expense (principally mortgage-related) and reduced personnel 엔트리파워볼분석법 NoninterestLitigation expense 농구 declined to $393 million in the fourth quarter of 2014 from $2.3 billion in the year-ago quarter. Excluding litigation expense, noninterest expense decreased 8 percent from the year-ago quarter to $13.8 billion, reflecting continued progress to realize cost savings and improve efficiency(C).

Legacy Assets and Servicing (LAS), the business 농구 unit that is responsible for servicing residential mortgage and home equity loans, continued to make solid progress in its efforts to reduce expenses. Noninterest 농구 expense, excluding litigation, declined to $1.1 billion in the fourth quarter of 2014, compared to $1.3 billion 엔트리파워볼패턴 Legacythe prior quarter and $1.8 billion in the year-ago quarter as the number of 60+ days delinquent loans 엔트리파워볼분포도 Legacyreduced to 189,000 from 221,000 in 파워볼알파고프로그램 Legacyprior quarter and 325,000 in the year-ago quarter(D).

The effective tax rate for the fourth quarter of 2014 was 농구 29.2 percent, compared to 10.6 percent in the year-ago 파워볼분석기무료 TheThe increase in the effective tax rate from the fourth quarter of 2013 was driven by the absence in the current 파워볼분석기다운로드 The파워사다리분석프로그램 Thecertain discrete tax benefits from the year-ago quarter.

사다리예측 Business농구 Segment 농구 Results

The company reports 파워사다리예측 Thethrough five business segments: Consumer 키노사다리조작 TheBusiness Banking (CBB), Consumer Real Estate Services (CRES), Global Wealth 키노사다리짝배팅 TheInvestment Management (GWIM), Global Banking, and Global Markets, 농구 with the remaining operations recorded in All Other.

Consumer and Business Banking (CBB) 키노사다리밸런스 Consumerview the table, please 농구 visit )

1 Return on average 농구 키노사다리픽 1capital is a 농구 non-GAAP financial measure. 농구 Other companies may define or calculate this measure differently. For reconciliation to GAAP financial measures, refer to pages 키노사다리분석법 1of this press release.

Business 키노사다리결과 Business 농구

· Average deposit 나눔로또키노사다리 ·increased 키노사다리게임규칙 ·농구 billion, or 농구 4 percent, from the year-ago 농구 quarter to $550.4 키노사다리작업 ·

· Client brokerage assets increased $17.7 billion, or 18 파워키노사다리 ·from the 농구 year-ago quarter 농구 to $113.8 billion, driven primarily by new client accounts, 파워키노사다리사이트 ·account flows as 파워키노사다리분석 ·as market valuations.

· Credit card issuance remained strong. The company issued 1.2 million new credit cards in the fourth quarter of 2014, up 19 percent from the 1.0 million 농구 cards issued 엔트리키노사다리 ·the year-ago quarter. Approximately 67 percent of these cards went to existing relationship customers during the fourth quarter of 2014.

· The number of mobile banking customers increased 농구 15 percent from the year-ago quarter to 16.5 million users, and 12 percent of deposit transactions by customers were done through mobile, compared to 9 percent in the year-ago 키노사다리중계 ·Since 농구 the introduction 농구 of Apple Pay™ in October, nearly 800,000 customers have enrolled in the service, adding approximately 키노사다리분석 ·million 키노사다리ㅏ ·

· Preferred Rewards continues to expand, resulting in broader and deeper client relationships. Through the end of 2014, approximately 1.2 million clients have 농구 enrolled 키노사다리분석기 ·파워사다리분석 ·농구 program.

파워사다리일별분석 Financial 농구 파워키노사다리중계 Financial 농구

Consumer and Business Banking reported net income of $1.8 billion, compared to $2.0 billion in the year-ago quarter. The 먹튀검증 Consumerwas driven by higher provision for credit losses as a result of the slowing pace DMCA불만사항 Consumer improvements in credit quality. Higher noninterest income, driven by an increase in card income, was offset by 농구 lower 농구 net interest income as a result of lower yields and loan balances, leaving revenue stable for the comparative periods.

Noninterest expense was $4.0 billion, in line with the year-ago quarter. Driven by the continued 농구 growth in mobile banking and other self-service customer touchpoints, the company reduced its retail footprint by another 92 banking centers during the fourth quarter of 2014 to 4,855 locations. Return on average allocated capital was 먹튀검증커뮤니티 Noninterestpercent in the fourth quarter of 2014, compared to 26 percent in the fourth quarter of 2013.

Consumer Real Estate Services (CRES) (To view the 농구 table, please visit 사설먹튀검증 Consumer

1 Includes litigation expense of $262 million and $1.2 billion for 먹튀검증업체순위 1three months ended December 31, 2014 and 2013, and 농구 $15.2 농구 파워볼먹튀검증 1and $3.8 billion for the years ended December 농구 먹튀폴리스심바 12014 and 2013.

검증놀이터 Business 농구 Highlights 농구

The company originated $11.6 billion in first-lien residential mortgage loans and 먹튀폴리스검증업체 Thebillion in 먹중소먹튀검증사이트안전놀이터 Theequity lines during the fourth quarter of 2014, compared to 농구 $11.7 billion 농구 and $3.2 billion in the prior quarter.

The number of 60+ days 먹튀폴리스신고 Thefirst mortgage loans serviced by Legacy Assets and Servicing (LAS) declined by 136,000 토토검증커뮤니티 Theor 42 percent, 농구 from the fourth 먹튀폴리스 The농구 of 2013 to 189,000 loans. 농구

Noninterest expense in LAS, excluding litigation, declined to $1.1 농구 billion in the 토토베이 Noninterest 토토맨 Noninterestof 2014 from $1.8 billion in the year-ago quarter(D). 농구

Financial 농구 슈어맨 Financial 농구

Consumer Real Estate Services reported a net loss of $397 토토홍보커뮤니티 Consumerfor the fourth quarter 농구 of 농구 2014, compared Supporter토토 Consumera net loss of $1.0 billion for the same period in 고군분투토토사이트 Consumerdriven primarily by lower 농구 litigation expense.

Revenue declined $538 million from the fourth quarter of 2013 55토토 Revenue$1.2 billion, driven primarily by 꽁머니 Revenue servicing fees due to a smaller servicing 농구 portfolio. Core production revenue declined $107 million from the year-ago quarter to $297 million.

The benefit in the provision for credit losses decreased $343 million 농구 먹튀쇼미 Thethe year-ago quarter to a benefit of $131 million, driven primarily by a slower 농구 pace of credit quality improvement.

Noninterest expense 토토커뮤니티 Noninterest$1.8 billion 농구 from the year-ago quarter to 먹튀보증업체 Noninterestbillion, due to lower litigation expense and lower LAS default-related staffing and other default-related servicing 먹튀업체 NoninterestHome Loans expenses also declined 농구 reflecting increased productivity.

Global Wealth and Investment 토토보증업체 Global(GWIM) (To 먹튀소 Global the 농구 먹튀수사대 Globalplease visit 농구 )

1 Return on average allocated capital is a 먹튀폴리스아레나 1financial 농구 measure. Other companies may define or calculate this 농구 measure differently. For reconciliation to GAAP financial measures, 농구 refer to pages 22-24 of this press release.

먹튀폴리스믿을만 2농구 Total client balances are 먹튀보상 2as assets 농구 under management, assets in 농구 custody, client brokerage assets, client deposits and loans (including margin receivables).

메이저놀이터목록 Business 검증된놀이터 Business 농구

· Client balances increased 농구 6 percent from 메이저놀이터순위 ·year-ago quarter to $2.5 메이저안전놀이터 ·driven by higher 농구 market levels and net inflows.

· Fourth-quarter 2014 long-term assets under management (AUM) flows of $9.4 농구 billion were 해외안전놀이터 ·22nd consecutive quarter of 안전놀이터모음 ·flows. Full-year long-term AUM flows were a record $49.8 농구 안전한놀이터찾는법 ·

· The company 해외안전놀이터추천 ·놀이터홍보사이트 ·asset management fees of $2.1 billion, 슈어맨시즌3 · 농구 16 percent from the 농구 year-ago quarter.

· 농구 The number of wealth advisors increased by 714 advisors 농구 from the year-ago quarter to 슈어맨같은곳 ·and full-year attrition levels were at historical lows since the Merrill Lynch merger.

· Average 농구 loan balances increased 7 percent 슈어맨배너먹튀 ·농구 the year-ago quarter to $123.5 billion from $115.5 billion.

슈어맨해태 Financial 농구 Overview 농구

Global Wealth and Investment Management reported net income of $706 million, compared to 농구 $778 million in the fourth quarter of 2013. Revenue increased 3 percent from the year-ago quarter to $4.6 billion, driven by higher noninterest income with record 농구 asset 슈어맨아이디삽니다 Globalfees, partially offset 농구 by lower transactional activity.

Noninterest expense increased 농구 5 percent to $3.4 슈어맨2승부 Noninterest농구 driven by higher 농구 revenue-related incentive 슈어맨삽니다 Noninterestand support costs.

Return on average allocated capital was 23 percent in the fourth quarter of 2014, down from 31 percent in the year-ago quarter, 슈어맨계정 Returnby increased allocated capital 농구 and, 슈어맨2미스터그린 Returna lesser extent, 농구 lower net income.

Global 농구 Banking (To view 다음드슈어맨 Globaltable, please visit )

먹튀닷컴 Business 먹튀검증스포위키 Business 농구

Bank of America Merrill Lynch was ranked No. 2 in global net investment banking fees in the fourth quarter of 농구 먹중소먹튀검증사이트 Bankwith firmwide investment banking 농구 fees of 농구 $1.5 billion, excluding self-led deals(I).

Bank of America 안전놀이터 BankLynch ranked among the top three 농구 financial institutions globally in high-yield corporate debt, leveraged loans, asset-backed securities, investment grade corporate debt, syndicated loans, announced mergers and acquisitions, equity capital markets and 농구 debt capital markets during the fourth quarter of 2014(I).

Average loan 농구 and lease balances increased $3.7 billion, or 1.4 검증놀이터모든걸먹튀닷컴에서 Averagefrom the prior quarter to $270.8 billion with growth mainly driven by the commercial and industrial portfolios.

먹튀검증사이트먹튀닷컴 Financial 농구 Overview 농구

Global Banking reported net income of $1.4 billion in the fourth quarter of 2014, up $178 million, or 14 percent, from the year-ago quarter, 농구 driven by a reduction in the provision for credit losses and a decline in noninterest expense partly offset by lower revenue. Revenue 농구 of $4.1 billion declined 6 percent from the year-ago quarter, reflecting lower investment 먹튀신고 Global농구 fees and net 먹튀검증센터 Globalincome.

The provision for credit losses decreased $470 million from the year-ago quarter to a benefit of $29 million in 농구 the fourth quarter of 2014, as the prior year included reserve increases from loan growth. Noninterest expense decreased 농구 $94 million, or 5 percent, from 농구 the year-ago quarter to $1.8 billion, reflecting lower 먹튀중개 Theexpenses and the completion of certain technology initiatives in the year-ago quarter.

The return 농구 on 성인용품 Theallocated capital was 18 농구 percent 농구 in the fourth quarter of 2014, down from 22 percent in the 콘돔 Thequarter, as growth in earnings was more than offset by increased capital allocations.

Global Markets (To view 바나나몰 Global농구 table, please visit )

1 Represents a non-GAAP financial measure. Net DVA/FVA losses were $626 농구 million and $618 million for the three 농구 months ended December 31, 2014 and 2013, and 러브젤 1million and $1.2 billion 성인몰 1the years ended December 31, 2014 and 농구 2013. FVA losses were $497 million for the three months 성인용품점 1December 31, 2014.

낙타눈썹 2Return on average allocated capital is a non-GAAP financial measure. For reconciliation to GAAP financial measures, refer to pages 22-24 남성성인용품추천 2this press release. 농구

남성용성인용품 Business 농구 Highlights

Equities sales and trading revenue, excluding net DVA/FVA, 남자콘돔 Equitiesup modestly from the fourth quarter of 2013 to $911 million 농구 despite a challenging market 농구 environment(L).

Bank of America Merrill Lynch 단련크림 Banknamed No. 1 Global 도깨비콘돔 Bankfirm in 2014 by Institutional Investor magazine for the fourth year 농구 in a row.

Financial 농구 돌출콘돔 Financial농구

Global Markets reported a net loss of $72 million in the fourth quarter of 2014, compared to a net loss of $47 million in the year-ago quarter, reflecting lower sales and trading revenue, mostly offset by lower litigation expense and 농구 smaller net DVA losses. The current quarter was also negatively impacted by a one-time transitional charge of $497 million related to the 돌출형콘돔 Globalof funding valuation adjustments 농구 on uncollateralized derivatives(A).

Revenue decreased $828 million, or 26 percent, from the year-ago quarter to $2.4 billion. Excluding net DVA/FVA losses of $626 million in the current quarter and net DVA losses of $618 million in the year-ago quarter, revenue decreased $820 million to $3.0 billion(J). The year-ago quarter also included approximately $220 million in recoveries 농구 on certain legacy Fixed Income, Currencies and Commodities (FICC) positions. Excluding net DVA/FVA losses and the recoveries on legacy positions in the year-ago quarter, Global Markets sales and trading revenue declined approximately $400 million to $2.4 billion(J). On this same basis, FICC sales and trading revenue declined to 러브링 Revenuebillion in the fourth quarter of 2014 from $1.9 billion in the year-ago quarter, driven by declines in credit and mortgages due to lower client activity, partially offset by stronger results in foreign exchange and rates(K). Equities sales and trading revenue was up modestly 러브오일 Revenuethe year-ago quarter to $911 million(L).

Noninterest expense of $2.5 섹스샵 Noninterestdecreased $775 million from the year-ago quarter due to 농구 a $652 million reduction in 농구 litigation expense, as well as a decrease in 섹스샾 Noninterestincentives.

All Other[1] 섹스성인용품 Allview the table, please 섹스숍 All농구 )

1 All Other 농구 consists of ALM activities, equity investments, the international consumer card business, liquidating businesses and other. ALM activities encompass 섹스용품 1whole-loan residential mortgage 섹스윤활제 1and investment 농구 securities, interest rate and foreign currency risk management activities including the residual net interest income allocation, the impact of certain 농구 allocation methodologies and accounting hedge ineffectiveness.

2 Revenue includes equity investment income of $(77) million and $393 million 농구 for the three months ended December 31, 2014 농구 and 섹스젤 2and $601 million and 농구 $2.6 러브젤사용방법 2for the years ended December 31, 2014 and 2013, and gains on sales of debt securities of $162 million and $363 million for the three months ended December 31, 2014 and 2013, and $1.3 billion and $1.2 billion for the years ended December 31, 2014 and 2013.

All Other reported a net 러브젤추천 Allof $378 million in the fourth quarter of 2014, compared to 러브젤파는곳 Allincome of $496 million for the 러브젤페페 Allperiod a year ago, primarily due to 농구 declines 농구 in both net interest income and noninterest income, partially offset by 농구 lower noninterest expense.

Net interest income declined $760 million from the year-ago quarter, primarily as a result of a $788 롱러브 Netnegative swing in market-related NII adjustments driven 농구 by the 롱텍스 Netof bond premium amortization on the 마이크로롱텍스 Netdebt securities portfolio due to lower long-term interest rates.

Noninterest income 바이브링 Noninterest$542 million 바이젤 Noninterestthe year-ago quarter, reflecting lower equity investment income and lower gains on sales of debt securities in the fourth quarter of 2014. The decline in equity investment income was primarily attributable to the sale of an equity investment in the year-ago quarter and lower Global Principal Investment (GPI) 농구 results compared to the year-ago quarter, as the GPI portfolio 부부성인용품 Noninterestbeen actively winding down over the past several years.

The benefit in 농구 the provision for credit losses increased $144 million from the year-ago quarter to a benefit of $332 million. Income tax was a benefit of $527 million in the fourth quarter of 2014, compared to a benefit of $870 million in the year-ago quarter, reflecting the prior period tax 부부용품 Theattributable to the resolution of certain tax matters and benefits from 블랙젤 Therestructurings.

Noninterest expense 농구 declined 농구 primarily as 농구 a result of lower litigation 사가미러브미골드 Noninterestand 사정지연 Noninterestsupport costs compared 사정지연스프레이 Noninterestthe year-ago quarter.

Credit Quality (To view 사정지연제 Credit농구 table, 사정지연젤 Creditvisit )

1 Excludes write-offs 성기강화 1purchased credit-impaired 농구 성기구판매 1loans of $13 million and $741 million for the three months ended December 31, 2014 and 2013, and $810 million and $2.3 billion 성기단련기 1the years ended December 31, 2014 and 2013.

2 농구 성기링 2 charge-off ratios 성기확대기 2calculated as net charge-offs divided by average outstanding loans 성기확장기 2leases during the period; quarterly results are annualized.

3 Nonperforming loans, leases and foreclosed properties ratios are calculated as nonperforming loans, leases and foreclosed properties divided 농구 by outstanding 성도구 3 leases and 농구 foreclosed properties at the end of the period.

4 Allowance for loan 농구 and lease losses ratios are 성보조기구 4as allowance for loan and lease losses divided by loans and leases outstanding at 성생활용품 4 end of 성용품 4period.

Note: Ratios do not 농구 성인기구 Note:loans measured under the fair value option.

Credit quality continued to improve in the fourth quarter of 2014, with net charge-offs 성인기구사이트 Creditacross most major portfolios when compared t