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" ... Although S&P Capital IQ has a rating of hold on Bank of America's stock, its earnings estimates are higher, at $64 cents a share for 2012 and $1.14 in 2013. "We see Bank of America's earnngs improving in 2013 based on the long-delayed U.S. home foreclosure settlement and housing price improvements," says S&P's Erik Oja. He also expects the downward pressure on U.S. long-term interest rates will ease. The bank's total deposits amunt to $1.04 trillion. Its U.S. deposits of $969 billion represent about 11% of total U.S. banking industry deposits. ... "