Underscoring just how little record penalties affect a bank's bottom line, JPMorgan Chase reported $5.28 billion in fourth-quarter profit today, down 7.3% from the same period a year ago. Led by CEO Jamie Dimon, America's largest bank said last week that the cost of settlements tied to Bernie Madoff's Ponzi scheme reduced net income for the quarter by $850 million. Shares of JPMorgan are trading higher on the results, which beat analysts' expectations. The stock returned 29.9% over the 12 months through Jan 14. That's ahead of the Standard & Poor's 500-stock index, at 27.4%, and behind the KBW Bank Index, at 35.4%.