FILE &#8211; In this Jan. 14, 2015 file photo, a customer uses an ATM at a branch of Chase Bank in New York.   U.S. bank earnings jumped 11.9 percent in the final three months of 2015 compared with the previous year on rising revenue, and legal expenses declined as some big banks wound down legal settlements that arose from the financial crisis. Data issued Tuesday, Feb. 23, 2016,  by the Federal Deposit Insurance Corp. showed that losses from loans increased for the first time in five and a half years. (AP Photo/Mark Lennihan)