Institution Statistics
| JPMorgan Bank and Trust Company, National Association | | FDIC Certificate # | 58729 | | BankRate Report | View | | Year Established | 2008 | | Employees | 3 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $9.49 billion | | Loans | $7.81 billion | | Deposits | $25.08 million | | Equity Capital | $1.33 billion | | Loan Loss Allowance | $220.00 million | | Unbacked Noncurrent Loans | $491.39 million | | Real Estate Owned | $9.97 million |
Historic Data - December 2011 | | Assets | $17.86 billion | | Equity Capital | $1.42 billion | | Loan Loss Allowance | $240.00 million | | Unbacked Noncurrent Loans | $426.60 million | | Real Estate Owned | $9.34 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.68% | | Return on Assets | 1.4% | | Return on Equity | 14.76% | | Interest Income | $613.02 million |
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Institution Health
Overall Score:
3 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 JPMorgan Bank and Trust Company, National Association had $501.36 million in non-current loans and owned real-estate with $1.55 billion in equity and loan loss allowances on hand to cover it. This gives JPMorgan Bank and Trust Company, National Association a Texas Ratio of 32.28% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for JPMorgan Bank and Trust Company, National Association increased slightly from 26.19% as of December 31, 2011 to 32.28% as of December 31, 2012, resulting in a negative change of 23.24%. This indicates that the balance sheet and financial strength for JPMorgan Bank and Trust Company, National Association has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, JPMorgan Bank and Trust Company, National Association has increased its total deposits by $77,000, resulting in 0.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth JPMorgan Bank and Trust Company, National Association has shown is average. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. JPMorgan Bank and Trust Company, National Association has $9.49 billion in assets with $1.55 billion in equity, resulting in a capitalization level of 16.37%, which is excellent. |
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Average User Rating:
Beware Of Extended Transaction Fee $15 By Chase Bank
With Chase Bank, after and upon a credit card recurring payment which may take upto 3 days to clear, there is a extended transaction fee of $15 over and beyond a non sufficient fee of $35 if you do not bring your balance back to positive within the required days.(usually 3 days not including weekends). Therefore, a signature transaction might actually end up costing you a lot more than originally intended.(especially if u r single and traveling overseas). I had chosen to opt out of overdraft protection before august 15th but that does not apply to recurring credit card signature payments.I would like someone to help me fight this with one of the federal bureau agencies (most likely FDIC or OCC).I figured when you opt-out of credit card overdraft protection that all credit card transactions are subject to being denied including recurring credit card payments for not having enough funds. I have been proven wrong and i have documents to prove chase has charged me non-sufficient as well as extended days non-sufficient fund fees.