RIAD4012: Interest and Fee Income on Commercial and Industrial Loans
RIAD4012 is the call report code for interest and fee income on commercial and industrial loans, reported on Schedule RI, Income Statement. For Q2 2026 (year to date), 4,297 banks reported it, totaling $74.77B; the median among the 4,078 with a nonzero amount was $883K. The largest value reported for Q2 2026 (year to date) was $6.84B, by Bank of America, N.A.
Definition
Interest and fee income on loans for commercial and industrial purposes to business enterprises (proprietorships, partnerships, and corporations), whether secured or unsecured, single payment or installment. These loans may take the form of direct or purchased loans, as commercial paper or bankers' acceptances.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RIAD4012 sits on the call report
| Code | RIAD4012 (prefix RIAD, item 4012) |
|---|---|
| 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 | 1984 |
Largest reported values, Q2 2026
| Bank | Headquarters | RIAD4012 |
|---|---|---|
| Bank of America, N.A. | Charlotte, NC | $6.84B |
| JPMorgan Chase Bank, N.A. | Columbus, OH | $6.00B |
| Wells Fargo Bank, N.A. | Sioux Falls, SD | $5.45B |
| PNC Bank, N.A. | Wilmington, DE | $3.15B |
| American Express National Bank | Sandy, UT | $2.64B |
| U.S. Bank N.A. | Cincinnati, OH | $2.53B |
| Truist Bank | Charlotte, NC | $2.17B |
| Citibank, N.A. | Sioux Falls, SD | $2.10B |
| Fifth Third Bank, N.A. | Cincinnati, OH | $1.97B |
| The Huntington National Bank | Columbus, OH | $1.74B |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,297 | $74.77B |
| March 31, 2026 | 4,336 | $36.20B |
| December 31, 2025 | 4,394 | $147.85B |
| September 30, 2025 | 4,435 | $111.18B |
| June 30, 2025 | 4,477 | $73.88B |
| March 31, 2025 | 4,519 | $37.48B |
| December 31, 2024 | 4,543 | $165.63B |
| September 30, 2024 | 4,572 | $125.87B |
Related
All codes on Schedule RI · All call report schedules · Find the code for a loan type · What a call report is