Bank of America (BAC) releases fourth-quarter earnings on Friday before the markets open. Analysts expect the bank to report earnings of 38 cents a share on sales of $20.89 billion. "Bank of America is the most sensitive of the U.S. large banks to the interest rate environment and the consumer," said Jim Sinegal, Morningstar's banking analyst, adding that Bank of America's results speak volumes about the state of the economy. Bank of America shares are up roughly 50% over the past 12 months. 

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