at CNBC.com (Wed, 12:03PM)
From here forward, Bank of America (BAC) and its TBTF brethren will have to make money through operations. Reduced provision for credit losses added about $7B to income in 2012 (vs. total income of $4.2B), but provisions now stand at $2.2B, giving far less room for additional earnings boosts. Shares -1.5% premarket. (earnings)
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