Jun 30, 2024

US Bancorp Q2 2024 Earnings Report

Reported net income of $1,622 million and diluted earnings per common share of $0.98, as adjusted for a $26 million notable item for an increase in the Federal Deposit Insurance Corporation ("FDIC") special assessment.

Key Takeaways

U.S. Bancorp reported a net income of $1,622 million and diluted earnings per share of $0.98, both adjusted for a $26 million FDIC special assessment. The quarter saw a rise in net interest income and momentum in leveraging the diversified fee income platform.

Net interest income increased 0.9% linked quarter on a taxable-equivalent basis.

Average total loans increased 1.0% and average total deposits increased 2.2% on a linked quarter basis.

Noninterest income increased 2.4% from the second quarter of a year ago and increased 4.3% on a linked quarter basis, as adjusted.

CET1 capital ratio of 10.3% at June 30, 2024, compared with 10.0% at March 31, 2024.

Total Revenue
$6.84B
Previous year: $7.14B
-4.2%
EPS
$0.98
Previous year: $1.12
-12.5%
Efficiency Ratio
61%
Previous year: 63.7%
-4.2%
Net Interest Margin
2.67%
Previous year: 2.9%
-7.9%
ROA
0.97%
Previous year: 0.81%
+19.8%
Gross Profit
$10.8B
Previous year: $7.14B
+51.2%
Cash and Equivalents
$65.8B
Previous year: $70.6B
-6.8%
Total Assets
$680B
Previous year: $681B
-0.1%

US Bancorp

US Bancorp

US Bancorp Revenue by Segment

Forward Guidance

U.S. Bancorp is well-positioned with national scale, an interconnected business model and superior digital capabilities, to continue its delivery of industry leading returns over the long term.

Revenue & Expenses

Visualization of income flow from segment revenue to net income