Financial Ratios JPMorgan Chase & Co.

Equities

JPM

US46625H1005

Banks

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Published financial data: JPMORGAN CHASE & CO.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019	2020	2021	2022	2023
Interest Income On Loans	84.04B	64.52B	57.86B	92.81B	171B
Interest Income, Total	84.04B	64.52B	57.86B	92.81B	171B
Interest On Deposits	26.8B	9.96B	5.55B	26.1B	81.32B
Interest Expense, Total	26.8B	9.96B	5.55B	26.1B	81.32B
Net Interest Income	57.24B	54.56B	52.31B	66.71B	89.27B
Trust Income	17.16B	18.18B	21.03B	20.68B	15.22B
Total Mortgage Banking Activities	2.04B	3.09B	2.17B	1.25B	1.18B
Income From Trading Activities	14.02B	18.02B	16.3B	19.91B	24.46B
Gain (Loss) on Sale of Assets	6M	6M	-7M	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	258M	668M	34M	-2.72B	-3.41B
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-1.54B
Total Other Non Interest Income	24.9B	25.02B	29.8B	22.86B	29.82B
Non Interest Income, Total	58.38B	64.98B	69.33B	61.98B	65.72B
Revenues Before Provison For Loan Losses	116B	120B	122B	129B	155B
Provision For Loan Losses	5.58B	17.48B	-9.26B	6.39B	9.32B
Total Revenues	110B	102B	131B	122B	146B
Salaries And Other Employee Benefits	31.9B	32.54B	35.64B	38.84B	43.35B
Occupancy Expense	-	-	-	2.62B	2.51B
Selling General & Admin Expenses, Total	28.51B	28.18B	30.24B	28.32B	29.27B
Total Other Non Interest Expense	4.85B	4.83B	5.04B	6.1B	8.08B
Non Interest Expense, Total	65.26B	65.54B	70.91B	75.87B	83.21B
EBT, Excl. Unusual Items	44.78B	36.52B	59.99B	46.43B	62.46B
Total Merger & Related Restructuring Charges	-	-	-	-	-1.06B
Legal Settlements	-239M	-1.12B	-426M	-266M	-
Other Unusual Items	-	-	-	-	214M
EBT, Incl. Unusual Items	44.54B	35.41B	59.56B	46.17B	61.61B
Income Tax Expense	8.11B	6.28B	11.23B	8.49B	12.06B
Earnings From Continuing Operations	36.43B	29.13B	48.33B	37.68B	49.55B
Net Income to Company	36.43B	29.13B	48.33B	37.68B	49.55B
Net Income - (IS)	36.43B	29.13B	48.33B	37.68B	49.55B
Preferred Dividend and Other Adjustments	1.79B	1.72B	1.83B	1.78B	1.79B
Net Income to Common Incl Extra Items	34.64B	27.41B	46.5B	35.89B	47.76B
Net Income to Common Excl. Extra Items	34.64B	27.41B	46.5B	35.89B	47.76B
Per Share Items
Net EPS - Basic	10.75	8.89	15.39	12.1	16.25
Basic EPS - Continuing Operations	10.75	8.89	15.39	12.1	16.25
Basic Weighted Average Shares Outstanding	3.22B	3.08B	3.02B	2.97B	2.94B
Net EPS - Diluted	10.72	8.88	15.36	12.09	16.23
Diluted EPS - Continuing Operations	10.72	8.88	15.36	12.09	16.23
Diluted Weighted Average Shares Outstanding	3.23B	3.09B	3.03B	2.97B	2.94B
Normalized Basic EPS	8.69	7.41	12.41	9.78	13.28
Normalized Diluted EPS	8.66	7.39	12.39	9.77	13.26
Dividend Per Share	3.4	3.6	3.8	4	4.1
Payout Ratio	33.88	43.56	26.6	36	27.17
American Depositary Receipts Ratio (ADR)	0.1	0.1	0.1	0.1	0.1
Supplemental Items
Effective Tax Rate - (Ratio)	18.22	17.73	18.85	18.39	19.57
Current Domestic Taxes	5.06B	7.55B	4.76B	8.24B	12.24B
Current Foreign Taxes	2.1B	2.7B	2.72B	2.99B	4.36B
Total Current Taxes	7.16B	10.26B	7.48B	11.23B	16.59B
Deferred Domestic Taxes	929M	-3.86B	3.85B	-2.58B	-4.57B
Deferred Foreign Taxes	20M	-126M	-101M	-154M	35M
Total Deferred Taxes	949M	-3.98B	3.75B	-2.74B	-4.53B
Normalized Net Income	27.99B	22.83B	37.49B	29.02B	39.04B
Non-Cash Pension Expense	-149M	-206M	-201M	-192M	-393M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	2.26B	2.45B	2.93B	2.79B	3.12B
Total Stock-Based Compensation	2.26B	2.45B	2.93B	2.79B	3.12B

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	217B	503B	721B	541B	605B
Investment Securities, Total	492B	655B	748B	747B	646B
Trading Asset Securities, Total	411B	503B	434B	454B	541B
Mortgage Backed Securities	165B	241B	197B	212B	217B
Total investments	1,068B	1,399B	1,379B	1,414B	1,404B
Gross Loans	987B	1,053B	1,129B	1,181B	1,367B
Allowance For Loan Losses	-13.12B	-28.33B	-16.39B	-19.73B	-22.42B
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	973B	1,024B	1,112B	1,161B	1,345B
Net Property Plant And Equipment	49.4B	48.26B	44.62B	40.04B	40.82B
Goodwill	47.82B	49.25B	50.32B	51.66B	52.63B
Other Intangibles, Total	819M	904M	882M	1.22B	3.22B
Loans Held For Sale	7.06B	7.87B	8.69B	3.97B	3.98B
Accrued Interest Receivable	38.96B	42.73B	42.89B	75.9B	59.72B
Restricted Cash	46.5B	24.4B	19.7B	26.8B	19.6B
Other Current Assets, Total	140B	161B	206B	185B	200B
Other Real Estate Owned And Foreclosed	238M	152M	134M	157M	162M
Other Long-Term Assets, Total	98.32B	125B	158B	165B	141B
Total Assets	2,687B	3,386B	3,744B	3,666B	3,875B
Liabilities
Accounts Payable, Total	73.43B	70.28B	67.59B	77.18B	91.94B
Accrued Expenses, Total	125B	148B	179B	200B	175B
Interest Bearing Deposits	1,052B	1,464B	1,704B	1,526B	1,511B
Institutional Deposits	94.97B	84.34B	93.5B	143B	223B
Non-Interest Bearing Deposits	416B	596B	665B	672B	667B
Total Deposits	1,562B	2,144B	2,462B	2,340B	2,401B
Short-Term Borrowings	272B	334B	304B	305B	308B
Current Portion of Long-Term Debt	38.28B	26.93B	22.78B	32.16B	50.92B
Current Portion of Leases	1.6B	1.61B	1.57B	1.57B	1.68B
Long-Term Debt	250B	260B	234B	270B	339B
Federal Home Loan Bank Debt - Long-Term	19.13B	11.12B	53.02B	4.09B	23.31B
Long-Term Leases	6.9B	6.9B	6.76B	6.61B	7.15B
Trust Preferred Securities (BS)	2.12B	2.04B	1.98B	1.85B	1.73B
Other Current Liabilities - (Bank / Utility Template)	75.57B	99.56B	115B	127B	140B
Other Non Current Liabilities	-	2.42B	2.26B	7.78B	8.77B
Total Liabilities	2,426B	3,107B	3,449B	3,373B	3,548B
Preferred Stock Redeemable	26.99B	30.06B	34.84B	27.4B	27.4B
Total Preferred Equity	26.99B	30.06B	34.84B	27.4B	27.4B
Common Stock, Total	4.1B	4.1B	4.1B	4.1B	4.1B
Additional Paid In Capital	88.52B	88.39B	88.42B	89.04B	90.13B
Retained Earnings	223B	237B	272B	296B	333B
Treasury Stock	-83.05B	-88.18B	-105B	-107B	-116B
Comprehensive Income and Other	1.55B	7.99B	-84M	-17.34B	-10.44B
Total Common Equity	234B	249B	259B	265B	300B
Total Equity	261B	279B	294B	292B	328B
Total Liabilities And Equity	2,687B	3,386B	3,744B	3,666B	3,875B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.07B	3.05B	2.95B	2.94B	2.88B
ECS Total Common Shares Outstanding	3.08B	3.05B	2.94B	2.93B	2.88B
Book Value / Share	76	81.75	88.07	90.29	104.45
Tangible Book Value	186B	199B	208B	212B	245B
Tangible Book Value Per Share	60.22	65.3	70.68	72.27	85.03
Tangible Book Value Per Share (As Reported)	60.98	66.11	71.53	73.12	86.08
Average Assets	2,742B	3,203B	3,725B	3,854B	3,822B
Average Loans	955B	1,005B	1,035B	1,100B	1,248B
Total Debt	590B	642B	624B	621B	731B
Federal Funds Sold	11M	-	262B	316B	276B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-3.3B	-3.47B	-7.65B	-6.34B	-7.27B
Net Debt	-288B	-660B	-793B	-688B	-690B
Full Time Employees	257K	255K	271K	294K	310K
Number Of Offices	4.98K	4.91K	4.79K	4.79K	4.9K

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	36.43B	29.13B	48.33B	37.68B	49.55B
Depreciation, Depletion & Amortization	8.37B	8.61B	7.93B	7.05B	7.51B
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	8.37B	8.61B	7.93B	7.05B	7.51B
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	-
Provision for Credit Losses	5.58B	17.48B	-9.26B	6.39B	9.32B
Stock-Based Compensation (CF)	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	8.2B	8.99B	-11.45B	18.54B	1.18B
Change in Trading Asset Securities	-652M	-149B	85.71B	-31.45B	-74.09B
Changes in Accrued Interest Receivable	-78M	-18.01B	-12.4B	-22.97B	19.93B
Change in Accounts Payable	-352M	7.83B	43.16B	58.61B	-25.39B
Change in Other Net Operating Assets (Collected)	-60.1B	14.03B	-80.57B	28.49B	27.96B
Other Operating Activities	8.64B	783M	6.62B	4.78B	-3.01B
Cash from Operations	6.05B	-79.91B	78.08B	107B	12.97B
Cash Acquisitions	-	-	-	-	-9.92B
Divestitures	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-130B	-181B	-96.82B	12.47B	95.59B
Net (Increase) Decrease in Loans Originated / Sold - Investing	8.4B	-26.7B	-55.95B	-84.08B	-41.03B
Other Investing Activities, Total	67.36B	-54.46B	23.43B	-66.21B	23B
Cash from Investing	-54.01B	-262B	-129B	-138B	67.64B
Short Term Debt Issued, Total	-	4.44B	7.77B	-	-
Long-Term Debt Issued, Total	66.72B	112B	82.41B	89.1B	98.25B
Total Debt Issued	66.72B	116B	90.18B	89.1B	98.25B
Short Term Debt Repaid, Total	-28.56B	-	-	-8.98B	-1.93B
Long-Term Debt Repaid, Total	-69.61B	-105B	-79.98B	-45.56B	-64.88B
Total Debt Repaid	-98.17B	-105B	-79.98B	-54.54B	-66.81B
Repurchase of Common Stock	-24B	-6.52B	-18.41B	-3.16B	-9.82B
Issuance of Preferred Stock	5B	4.5B	7.35B	-	-
Repurchase of Preferred Stock	-4.08B	-1.43B	-2.58B	-7.43B	-
Common & Preferred Stock Dividends Paid	-12.34B	-12.69B	-12.86B	-13.56B	-13.46B
Common & Preferred Stock Dividends Paid	-12.34B	-12.69B	-12.86B	-13.56B	-13.46B
Net Increase (Decrease) in Deposit Accounts - (CF)	101B	603B	294B	-137B	-32.2B
Other Financing Activities, Total	-1.15B	-927M	-1.48B	234M	-1.52B
Cash from Financing	32.99B	597B	276B	-126B	-25.57B
Foreign Exchange Rate Adjustments	-182M	9.16B	-11.51B	-16.64B	1.87B
Net Change in Cash	-15.16B	264B	213B	-174B	56.92B
Supplemental Items
Cash Interest Paid	29.92B	13.08B	5.14B	23.14B	77.11B
Cash Income Tax Paid (Refund)	5.62B	7.66B	18.74B	4.36B	9.91B
Net Debt Issued / Repaid	-31.45B	10.94B	10.2B	34.56B	31.43B

Fiscal Period: December	2019	2020	2021	2022	2023
Profitability
Return on Assets	1.37	0.96	1.36	1.02	1.31
Return On Equity %	14.07	10.78	16.86	12.85	15.98
Return on Common Equity	14.91	11.34	18.29	13.69	16.89
Shareholders Value Added	8.54B	113M	17.82B	6.22B	16.29B
Margin Analysis
SG&A Margin	54.9	59.49	50.32	57.05	51.57
Net Interest Income / Total Revenues %	52.02	53.46	39.96	54.54	61.28
EBT Excl. Non-Recurring Items Margin %	40.7	35.78	45.83	37.96	42.88
Income From Continuing Operations Margin %	33.11	28.54	36.92	30.8	34.02
Net Income Margin %	33.11	28.54	36.92	30.8	34.02
Net Avail. For Common Margin %	31.48	26.86	35.53	29.35	32.79
Normalized Net Income Margin	25.44	22.36	28.64	23.73	26.8
Asset quality
Nonperforming Loans / Total Loans %	0.41	1	0.69	0.57	0.51
Nonperforming Loans / Total Assets %	0.15	0.31	0.21	0.18	0.18
Nonperforming Assets / Total Assets %	0.17	0.32	0.22	0.2	0.2
NPAs / Loans and OREO	0.46	1.04	0.74	0.61	0.56
NPAs / Equity	1.72	3.9	2.84	2.48	2.32
Allowance for Credit Losses / Net Charge-offs %	227.04	538.66	571.94	691.41	361.09
Allowance for Credit Losses / Nonperforming Loans %	321.64	267.93	210.21	293.54	324.13
Allowance for Credit Losses / Total Loans %	1.33	2.69	1.45	1.67	1.64
Net Charge-offs / Total Average Loans %	0.61	0.52	0.28	0.26	0.5
Provision for Loan Losses / Net Charge-offs %	96.63	332.38	-323.07	223.94	150.1
Earning Assets / IBL	126.86	128.55	128.37	130.48	128.22
Interest Income / Average Assets	3.06	2.01	1.55	2.41	4.46
Interest Expense / Average Assets	0.98	0.31	0.15	0.68	2.13
Net Interest Income / Average Assets	2.09	1.7	1.4	1.73	2.34