RIAD4010: Interest and Fee Income on Loans, Total
RIAD4010 is the call report code for interest and fee income on loans, total, reported on Schedule RI, Income Statement. For Q2 2026 (year to date), 4,297 banks reported it, totaling $441.39B; the median among the 4,204 with a nonzero amount was $8.3M. The largest value reported for Q2 2026 (year to date) was $48.79B, by JPMorgan Chase Bank, N.A.
Definition
Includes the total of interest and fee income and similar charges levied against all assets classified as loans in Condition reports, including fees on overdrafts. This includes interest on acceptances, commercial paper purchased in the open market, drafts for which the bank has given deposit credit to customers, etc., and on loan paper which has been rediscounted with other banks, paper sold under repurchase agreements or pledged as collateral to secure bills payable or for any other purpose. Includes loan commitment fees and all yield-related fees on loans held in the bank's portfolio. Excludes fees that are not yield-related, such as mortgage servicing fees and syndication fees applicable to loans which are not assets of the bank. These fees are reported in 'Other Service Charges, Commissions, and Fees.' Profits (or losses) resulting from the sale of acceptances and commercial paper or other loans at discount rates other than those at which such paper was purchased are included in (or deducted from) interest on loans. Income from federal funds and security resale transactions at domestic offices is excluded and shown separately. Interest rebated to customers on loans paid before maturity is deducted from gross interest collected on loans and not reported as an expense. Amortization of premiums on real estate mortgages or other loans is deducted from gross interest on loans. Amortization of discounts (e.g., points charged) received on real estate mortgage loan transactions is included in this item. Includes investigation and service charges, renewal and past due charges, commitment fees (regardless of whether the loan has been made), and fees charged for the execution of mortgages or agreements securing the bank's loans. When yield-related fees are collected in connection with a loan syndication or participation and passed through to another lender, only the reporting bank's proportional share of such fees are reported in this item.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RIAD4010 sits on the call report
| Code | RIAD4010 (prefix RIAD, item 4010) |
|---|---|
| Prefix RIAD | Income statement items (Schedule RI and its supporting schedules). |
| Schedule | RI, Income Statement |
| Reported on | FFIEC 031, FFIEC 041, FFIEC 051 |
| Value | Dollar amount, reported in thousands, year to date |
| In the MDRM since | 1969 |
Largest reported values, Q2 2026
| Bank | Headquarters | RIAD4010 |
|---|---|---|
| JPMorgan Chase Bank, N.A. | Columbus, OH | $48.79B |
| Bank of America, N.A. | Charlotte, NC | $30.81B |
| Capital One, N.A. | McLean, VA | $29.65B |
| Citibank, N.A. | Sioux Falls, SD | $28.12B |
| Wells Fargo Bank, N.A. | Sioux Falls, SD | $27.03B |
| American Express National Bank | Sandy, UT | $11.15B |
| U.S. Bank N.A. | Cincinnati, OH | $11.08B |
| PNC Bank, N.A. | Wilmington, DE | $9.63B |
| Truist Bank | Charlotte, NC | $9.23B |
| Goldman Sachs Bank USA | New York, NY | $8.58B |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,297 | $441.39B |
| March 31, 2026 | 4,336 | $217.74B |
| December 31, 2025 | 4,394 | $863.45B |
| September 30, 2025 | 4,435 | $641.82B |
| June 30, 2025 | 4,477 | $420.15B |
| March 31, 2025 | 4,519 | $211.44B |
| December 31, 2024 | 4,543 | $869.12B |
| September 30, 2024 | 4,572 | $651.24B |
Related
All codes on Schedule RI · All call report schedules · Find the code for a loan type · What a call report is