Create a table that shows the final results of all these ratios for the past two years (2017-2018) - SHOW SOLUTIONS

Consolidated Balance Sheet - USD ($)
$ in Millions

Dec. 31, 2018

Dec. 31, 2017

Assets

Cash and due from banks

$ 21,453

$ 19,505

Investment securities

Held-to-maturity (fair value $44,964 and $43,723, respectively)

46,050

44,362

Available-for-sale ($2,057 and $689 pledged as collateral, respectively)

^[1]

66,115

68,137

Loans held for sale (including $2,035 and $3,534 of mortgage loans carried at fair value, respectively)

2,056

3,554

Loans

Commercial

102,444

97,561

Commercial real estate

39,539

40,463

Residential mortgages

65,034

59,783

Credit card

23,363

22,180

Other retail

56,430

57,324

Covered loans

3,121

Total loans

286,810

280,432

Less allowance for loan losses

(3,973)

(3,925)

Net loans

282,837

276,507

Premises and equipment

2,457

2,432

Goodwill

9,369

9,434

Other intangible assets

3,392

3,228

Other assets (including $843 and $238 of trading securities at fair value pledged as collateral, respectively)

^[1]

33,645

34,881

Total assets

467,374

462,040

Deposits

Noninterest-bearing

81,811

87,557

Interest-bearing

^[2]

263,664

259,658

Total deposits

345,475

347,215

Short-term borrowings

14,139

16,651

Long-term debt

41,340

32,259

Other liabilities

14,763

16,249

Total liabilities

415,717

412,374

Shareholders' equity

Preferred stock

5,984

5,419

Common stock, par value $0.01 a share - authorized: 4,000,000,000 shares; issued: 2018 and 2017 - 2,125,725,742 shares

21

21

Capital surplus

8,469

8,464

Retained earnings

59,065

54,142

Less cost of common stock in treasury: 2018 - 517,391,021 shares; 2017 - 470,080,231 shares

(20,188)

(17,602)

Accumulated other comprehensive income (loss)

(2,322)

(1,404)

Total U.S. Bancorp shareholders' equity

51,029

49,040

Noncontrolling interests

628

626

Total equity

51,657

49,666

Total liabilities and equity

$ 467,374

$ 462,040

[1]	Includes only collateral pledged by the Company where counterparties have the right to sell or pledge the collateral.
[2]	lncludes time deposits greater than $250,000 balances of $15.3 billion and $6.8 billion at December 31, 2018 and 2017, respectively.

Consolidated Statement of Income - USD ($) shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Interest Income
Loans	$ 13,120	$ 11,788	$ 10,777
Loans held for sale	165	144	154
Investment securities	2,616	2,232	2,078
Other interest income	272	182	125
Total interest income	16,173	14,346	13,134
Interest Expense
Deposits	1,869	1,041	622
Short-term borrowings	378	141	92
Long-term debt	1,007	784	754
Total interest expense	3,254	1,966	1,468
Net interest income	12,919	12,380	11,666
Provision for credit losses	1,379	1,390	1,324
Net interest income after provision for credit losses	11,540	10,990	10,342
Noninterest Income
Credit and debit card revenue	1,401	1,289	1,206
Corporate payment products revenue	644	575	541
Merchant processing services	1,531	1,486	1,498
ATM processing services	308	303	277
Trust and investment management fees	1,619	1,522	1,427
Deposit service charges	762	732	706
Treasury management fees	594	618	583
Commercial products revenue	895	954	971
Mortgage banking revenue	720	834	979
Investment products fees	188	173	169
Securities gains (losses), net
Realized gains (losses), net	30	57	27
Total other-than-temporary impairment			(6)
Portion of other-than-temporary impairment recognized in other comprehensive income (loss)			1
Total securities gains (losses), net	30	57	22
Other	910	774	911
Total noninterest income	9,602	9,317	9,290
Noninterest Expense
Compensation	6,162	5,746	5,212
Employee benefits	1,231	1,134	1,008
Net occupancy and equipment	1,063	1,019	988
Professional services	407	419	502
Marketing and business development	429	542	435
Technology and communications	978	903	877
Postage, printing and supplies	324	323	311
Other intangibles	161	175	179
Other	1,709	2,529	2,015
Total noninterest expense	12,464	12,790	11,527
Income before income taxes	8,678	7,517	8,105
Applicable income taxes	1,554	1,264	2,161
Net income	7,124	6,253	5,944
Net (income) loss attributable to noncontrolling interests	(28)	(35)	(56)
Net income attributable to U.S. Bancorp	7,096	6,218	5,888
Net income applicable to U.S. Bancorp common shareholders	$ 6,784	$ 5,913	$ 5,589
Earnings per common share	$ 4.15	$ 3.53	$ 3.25
Diluted earnings per common share	$ 4.14	$ 3.51	$ 3.24
Average common shares outstanding	1,634	1,677	1,718
Average diluted common shares outstanding	1,638	1,683	1,724

Compute the following ratios for as many years as you can, showing your numerator and denominator, as well as the ratio result:

Return on equity

Return on assets

Net interest margin

Net noninterest margin

Earnings spread

Net operating margin

Net profit margin (use net income/total revenue)

Tax management efficiency ratio

Expense control efficiency ratio

Asset utilization ratio (total revenue/total assets)

Equity multiplier (total assets/total stockholders’ equity).

Answer rating: 100% (QA)

To calculate the ratios for the given financial data lets compute them for the two years available 2017 and 2018 1 Return on Equity ROE ROE Net Income Average Shareholders Equity For 2017 Net Income 6... View the full answer