A Bank of America customer uses an ATM in Charlotte, North Carolina April 18, 2012. When Bank of America reports first-quarter earnings on Thursday, analysts will be looking for signs the bank can boost earnings at a time of low interest rates and new regulations. The second-biggest U.S. bank by assets has lagged its peers in recovering from the financial crisis largely because of losses and lawsuits tied to its 2008 Countrywide Financial purchase. REUTERS/Chris Keane (UNITED STATES - Tags: BUSINESS)