By Niket Nishant and Nupur Anand (Reuters) – JPMorgan Chase reported its best-ever annual profit and forecast higher-than-expected interest income for 2024, even as its quarterly profit fell. The largest U.S. lender also took a nearly $3 billion charge to replenish a government deposit insurance fund. JPMorgan benefited from its acquisition of failed First Republic Bank in May, which brought in billions of dollars of loans and bolstered its net interest income (NII) – the difference between what banks make on loans and pay out on deposits. The bank expects full-year net interest income (NII) o…