U.S. Bancorp (USB 1.11%), a national banking institution offering a broad range of financial services, released its second quarter 2025 results on July 17, 2025. The company reported GAAP earnings per share of $1.11, outperforming the analyst consensus of $1.07. However, revenue (GAAP) was $7.004 billion, marginally below expectations of $7.05 billion (GAAP) revenue. The quarter demonstrated higher-than-expected profitability, due mainly to cost discipline and a mix of higher fee-based income, while overall ...

Second Quarter 2025 Highlights Net income for the second quarter of 2025 was $10.4 million, compared to $10.6 million in the prior quarter and $7.8 million in the second quarter of 2024. Net income increased 33.5% year over yearNet income for the second quarter of 2025 represents a return on average assets of 1.69% and a return on average tangible common equity of 17.44%Diluted earnings per share for the second quarter of 2025 was $1.77, compared to $1.80 in the prior quarter and $1.35 in the second quarter ...

业绩总结 - 第一季度净收入为3640万美元，较第四季度增加3280万美元[22] - 调整后净收入为3490万美元，较第四季度增加320万美元[22] - 第一季度稀释每股收益为0.88美元，较第四季度增加0.80美元[22] - 平均资产回报率为1.21%，较第四季度增加109个基点[22] - 平均普通股东权益回报率为10.38%，较第四季度增加909个基点[22] - 第一季度净利差为3.27%，较第四季度增加19个基点[22] 存款与贷款数据 - 总存款为107亿美元，较上季度增加2.14亿美元，年化增幅为8%[48] - 存款的总成本为1.46%，较第四季度下降11个基点[22][48] - 截至2025年第一季度，存款总额为10745百万美元[54] - 商业和工业贷款余额为890,071百万美元，贷款损失准备金为19,105百万美元，贷款损失率为2.17%[57] - 住宅1-4家庭房地产贷款余额为1,709,593百万美元，贷款损失准备金为29,057百万美元，贷款损失率为1.97%[57] - 2025年第一季度的总贷款损失准备金为109,631百万美元，占总贷款的1.49%[57] - 2025年第一季度的非表现贷款比率为0.36%[61] - 2025年第一季度的年化净冲销率为0.17%[59] 存款结构 - 公司存款基础多样化，前二十名存款者仅占总存款的约7%[52] - 消费者存款占总存款的43%，商业存款占57%[52] - 无保险和无抵押存款约占总存款的33%[52] 风险管理 - 第一季度信贷损失准备金为110万美元，较第四季度增加60万美元[22] - 资本水平在2025年第一季度保持强劲，所有指标均有所增长[44]