Profitability ratios: JP Morgan Chase

DATA

Income statement
Items 2019 2020

Net Income 36431000 29131000

Interest Income 84390000 64960000
Interest Expense 26795000 9960000
Non-Interest Income 58456000 64169000
Non-Interest Expenses 66224000 68238000
Total Operating Revenues 142846000 129129000
Total Operating Expenses 93019000 78198000
Net Operating Income 49827000 50931000
Annual provision for loan leases 5449000 16359000
Total Interest 57595000 55000000

Balance Sheet
Items 2019 2020

Total Assets 2687781000 3386071000

Total Equity Capital 261533000 279486000
Bearing Liabilities 805703000 1,225,247,000
Allowance for loan losses 13123000 28328000

Other Items
Items 2019 2020

Non-performing Assets 2773000 1731000

Total Loans and leases 980365000 1032250000
Charge-offs 6810000 6836000
Cash and due held at depository institutions 265320000 529042000
Number of Common Shares Outstanding 3084021328 3049434460
Total Earning Assets 1386652000 1975303000
Number of Full Time Employees 250115 249184
Purchased Funds 1983000 2446000
Cash Assets and Government Securities 398785000 590779000
Total deposits 1272460000 1769743000
 2021

48334000
58245000
5706000
69385000
71782000
127630000
77488000
50142000
-9256000
52539000

2021

3743567000
294247000
1452378000
16386000

2021

1643000
1120985000
4564000
741923000
2944149145
2256383000
264986
1769000
673591000
2071457000
Profitability ratios : JP Morgan Chase
Return on Assets (ROA) :

2019
36431000
2687781000
Answer :
0.01355430372

Return on Equity (ROE) :

2019
36431000
261533000
Answer :
0.1392979089

Net Interest Margin (NIM) :

2019
84390000 - 26795000
2687781000
Answer :
0.02142845715

Net Noninterest Margin :

2019
58456000 - 66224000
2687781000
Answer :
-0.002890116419

Net Operating Margin :

2019
(84390000 + 58456000) - (26795000 + 66224000)
2687781000
Answer :
0.01853834074

Earnings Spread :

2019
[(84390000/1386652000) - 26795000/(57595000-
805703000)]

Answer :
 0.0966758379

Earnings Per Share :

2019
36431000
3084021328
Answer :
0.01181282362

Operating Eficiency Ratio

Operating Eficiency Ratio = Total Operating Expenses/ Total Operating Revenues

2019
93019000
142846000
Answer :
0.6511837923

Employee Productivity Ratio

Employee Productivity Ratio = Net Operating Income/ Number of Full Time Employees

2019
49827000
250115
Answer :
199.2163605

Credit risk measurement

Non-perfoming Assets/Total Loans and Leases

2019
2773000
980365000
Answer :
0.05082494785

Net Charge-offs/Total Loans and Leases

2019
6810000
980365000
Answer :
0.006946392415

Annual Provision for Loan Losses/Total Loan and

Leases
 2019
5449000
980365000
Answer :
0.00555813396

Allowance for Loan Losses/Total Loans and Leases

2019
13123000
980365000
Answer :
0.01338583079

Total Loans and Leases/ Total Deposits

2019
980365000
1272460000
Answer :
0.7704485799

Liquidity Risk Measurement

Purchased Funds/ Total Assets

2019
1983000
2687781000
Answer :
0.0007377833239

Cash and Due Held at Depository Institutions/Total

Assets

2019
265320000
2687781000
Answer :
0.09871339964

Cash Assets and Government Securities/Total Assets

2019
398785000
2687781000
Answer :
0.148369603
Net Income / Total Assets

2020
29131000
3386071000
Answer :
0.008603186407

Net Income / Total Equity Capital

2020
29131000
279486000
Answer :
0.1042306234

Interest Income - Interest Expenses / Total Assets

2020
64960000 - 9960000
3386071000
Answer :
0.0162430144

Noninterest Income - Noninterest Expenses / Total

Assets

2020
64169000 - 68238000
3386071000
Answer :
-0.001201687738

Total Operating Revenues - Total Operating Expenses / Total Assets

2020
(64960000 + 64169000) - (9960000 + 68238000)
3386071000
Answer :
0.01504132666

Total Interest Income / Total Earning Assets - Total Interest Expenses / Total Interest - Interest Bearing Liabilities

2020
[(64960000/1975303000) - 9960000/(55000000-
1225247000)]

Answer :
 0.0376533389

Net Income / Number of Common Shares

Outstanding

2020
29131000
3049434460
Answer :
0.009552918871

Expenses/ Total Operating Revenues

2020
78198000
129129000
Answer :
0.605580466

g Income/ Number of Full Time Employees

2020
50931000
249184
Answer :
204.3911327

2020
1731000
1032250000
Answer :
0.04933979172

2020
6836000
1032250000
Answer :
0.006622426738
 2020
16359000
1032250000
Answer :
0.01584790506

2020
28328000
1032250000
Answer :
0.0274429644

2020
1032250000
1769743000
Answer :
0.5832767809

2020
2446000
3386071000
Answer :
0.0007223711493

2020
529042000
3386071000
Answer :
0.1562406695

2020
590779000
3386071000
Answer :
0.1744733055
 2021
48334000
3743567000
Answer :
0.01291121543

2021
48334000
294247000
Answer :
0.164263357

2021
58245000 - 5706000
3743567000
Answer :
0.01403447568

2021
69385000 - 71782000
3743567000
Answer :
-0.0006402984106

ng Expenses / Total Assets

2021
(58245000 + 69385000) - (5706000 + 71782000)
3743567000
Answer :
0.01339417726

ets - Total Interest Expenses / Total Interest - Interest Bearing Liabilities

2021
[(58245000/2256383000) - 5706000/(52539000-
1452378000)]

Answer :
 0.0281813035

2021
48334000
2944149145
Answer :
0.01641696722

2021
77488000
127630000
Answer :
0.6071299851

2021
50142000
264986
Answer :
189.2250911

2021
1643000
1120985000
Answer :
0.04473030415

2021
4564000
1120985000
Answer :
0.004071419332
 2021
-9256000
1120985000
Answer :
-0.008257023957

2021
16386000
1120985000
Answer :
0.01461750157

2021
1120985000
2071457000
Answer :
0.5411577455

2021
1769000
3743567000
Answer :
0.0004725439668

2021
741923000
3743567000
Answer :
0.198186115

2021
673591000
3743567000
Answer :
0.1799329356