虽然美国银行的贷款余额与去年同期相比有所下降，但相比第一季度开始增长，是一年来的首次环比增长。
Bank of AmericaRevenue from the loan business performed poorly as consumers, backed by ample funding from the government's stimulus package, were avoiding new loans.
Loans and leases in the consumer banking division fell 12 per cent year-on-year, while net interest income in the previous quarter was $10.3 billion, below analysts' estimates of $10.5 billion, according to data released by the bank on Wednesday.
While government aid programs during the outbreak helped large banks such as Bank of America avoid widespread defaults, it also meant that many consumers and businesses did not need to get new loans or use credit lines. This trend, coupled with low interest rates designed to stimulate the economy, has dragged down the profitability of banks' core lending business.
Although Bank of America's loan balance declined compared with the same period last year, it began to grow compared with the first quarter, the first month-on-month increase in a year.
Bank of America's trading revenue fell 14% last quarter, and investment banking intermediary fee income fell 1.7%. Revenue from the financial advisory business was $407 million in the second quarter, roughly the same as in the same period a year earlier.
BofA shares fell 4.6 per cent to $37.98 at 10:33 new York time. The stock is up 30% this year, while the KBW bank index is up 27% over the same period.
The second quarter results also include:
Non-interest expenses increased 12% to $15 billion
Net income more than doubled to $9.2 billion, or $1.03 per share; analysts expected an average of 77 cents
Total revenue fell to $21.5 billion
