reportedsecond-quarter net income applicable to common stockholders of $5.67 billion,or $1.55 per share, compared to $5.78 billion, or $1.54 per share, in theyear-ago period.

Theprovision for credit losses was $1.40 billion, up from $935 million due toreserve increases in the current quarter versus reserve releases in theprior-year quarter and higher net charge-offs.