Here are the fourth-quarter numbers versus what Wall Street expected:Net income: $2.5 billion versus $3.2 billion a year ago. Net Interest Income: $13.27 billion, above the 12.7 billion expected by analysts, according to StreetAccountTrading Revenue: Fixed Income $3.16 billion, above expectations. Revenues in services and markets divisions increased 32% and 18% respectively, driven by growth in interest income and in fixed income markets. The fixed income markets division saw revenues jump 31% to $3.2 billion, the highest fourth-quarter results ever, due to strength in rates and currencies. There was also strength in banking, with private bank revenues gaining 5% and U.S. personal bank revenues up 10%.

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