More on Bank of America (BAC): Adjusted EPS is $0.31/share (DVA adjustment cut $0.28 from headline number). Provision for credit losses of $2.4B is off about $1.4B Y/Y. Net charge-off ratio drops to 1.8% from 2.61% one year ago. Tier 1 common equity ratio 10.78% vs. 11.32%, tangible book value $12.87 vs. $13.21 one year ago. Shares +5.3% premarket.