Earns Bank of America

A customer uses a Bank of America ATM in Los Angeles on Friday, Jan. 16, 2009. Escalating credit costs forced Bank of America Corp. to report a $2.39 billion fourth-quarter loss, hours after it convinced the federal government it needed a multibillion-dollar lifeline to survive the absorption of Merrill Lynch's hefty losses. (AP Photo/Damian Dovarganes)