If bank/financial institution does not send a 1099-INT the interest was not reported to the IRS, so you don't have to add it in. The bond interest, however, depends on several issues. If it is from an IRA or 401K (on 1099-R) it is added just like regular income, but in Interest category. But keep in mind, if the bond is from the state in which you live, it is probably not State taxable. Hope this helps.
