JPMorgan Chase Bank, National Association
Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10). A current level of 4.5 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors: Good liquidity 7.0, driven by a liquidity ratio of 63.8 percent and a “hot money” ratio of 2.9 percent. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.1) profitability.
Asset Mix: Cash (22%), securities (18%), home mtgs (7%), consumer loans (6%), comm loans (6%), comm re (1%), home eq lns (1%), other (38%)
States with Branches: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI