Bank of America reported on Tuesday that net income applicable to common shareholders for the third quarter declined to $6.38 billion from last year’s $7.27 billion, with earnings per share decreasing to $0.81 from $0.90 in the prior year. The provision for credit losses was $1.54 billion, compared to $1.23 million last year. Total revenue, net of interest expense, edged up to $25.35 billion from $25.17 billion in the prior-year quarter, driven by solid fee growth. Net interest income was $13.97 billion, down 3% from last year, while non-interest income improved to $11.38 billion from $10.79 b…