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Sankey diagram of U.S. Bancorp. A complete text table follows the diagram.
A traditional lending franchise is paired with one of America's largest payment ecosystems, plus trust, capital-markets and mortgage fee businesses
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The diagram uses GAAP net interest income and therefore excludes the filing's $28M taxable-equivalent adjustment. Fee lines are shown before the directly reported $35M securities loss, which is displayed as a separate deduction.
Labels and narrative explain the filing. A category marked “arithmetic bridge” or “residual” is calculated from reported totals, rather than a separately reported line.
| Category | Stage | Value | Notes |
|---|---|---|---|
| Net interest income | 1 | $4.3B | Loans and securities less funding cost |
| Card revenue | 1 | $391M | Consumer and commercial cards |
| Corporate payments & treasury | 1 | $408M | Business payments and cash management |
| Merchant processing | 1 | $436M | Merchant acquiring and processing |
| Trust & investment management | 1 | $745M | Largest fee stream · +10% |
| Lending & deposit fees | 1 | $294M | Account and lending services |
| Capital markets | 1 | $377M | Up 29% year over year |
| Mortgage banking | 1 | $161M | Origination and servicing |
| Investment products | 1 | $97M | Retail investment fees |
| Other fee revenue | 1 | $123M | Other noninterest sources |
| Revenue before securities loss | 2 | $7.3B | Interest spread plus fee franchises |
| GAAP net revenue | 3 | $7.3B | Up 4.8% year over year |
| Net securities loss | 3 | $35M | Realized investment-security loss |
| Income before tax | 4 | $2.4B | 33.3% pretax margin |
| Credit-loss provision | 4 | $576M | Card, commercial and consumer credit |
| Noninterest expense | 4 | $4.3B | 58.2% adjusted efficiency ratio |
| Net income | 5 | $1.9B | Consolidated result |
| Income tax | 5 | $469M | 19.4% effective rate |
| Net income attributable to U.S. Bancorp | 6 | $1.9B | Parent-company attribution |
| Noncontrolling interests | 6 | $5M | Minority interests |
| Common-shareholder income | 7 | $1.8B | $1.18 diluted EPS |
| Preferred dividends | 7 | $93M | Preferred shareholder claim |
| Participating stock awards | 7 | $11M | Earnings allocation |
| From | To | Value |
|---|---|---|
| Net interest income | Revenue before securities loss | $4.3B |
| Card revenue | Revenue before securities loss | $391M |
| Corporate payments & treasury | Revenue before securities loss | $408M |
| Merchant processing | Revenue before securities loss | $436M |
| Trust & investment management | Revenue before securities loss | $745M |
| Lending & deposit fees | Revenue before securities loss | $294M |
| Capital markets | Revenue before securities loss | $377M |
| Mortgage banking | Revenue before securities loss | $161M |
| Investment products | Revenue before securities loss | $97M |
| Other fee revenue | Revenue before securities loss | $123M |
| Revenue before securities loss | GAAP net revenue | $7.3B |
| Revenue before securities loss | Net securities loss | $35M |
| GAAP net revenue | Income before tax | $2.4B |
| GAAP net revenue | Credit-loss provision | $576M |
| GAAP net revenue | Noninterest expense | $4.3B |
| Income before tax | Net income | $1.9B |
| Income before tax | Income tax | $469M |
| Net income | Net income attributable to U.S. Bancorp | $1.9B |
| Net income | Noncontrolling interests | $5M |
| Net income attributable to U.S. Bancorp | Common-shareholder income | $1.8B |
| Net income attributable to U.S. Bancorp | Preferred dividends | $93M |
| Net income attributable to U.S. Bancorp | Participating stock awards | $11M |