Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10). A current level of 3.6 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (7.2).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 9.0. Fair liquidity 4.3, driven by a liquidity ratio of 46.4 percent and a “hot money” ratio of 14.5 percent.
Asset Mix:
Securities (27%), cash (15%), consumer loans (10%), comm loans (9%), home mtgs (7%), comm re (1%), other (32%)
States with Branches:
CA, CT, DC, DE, FL, IL, MD, NJ, NV, NY, PR, SD, TX, VA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Citigroup Inc.
Investment Rating
Address
388 Greenwich Street
New York, NY 10013
New York, NY 10013
Phone Number
(212) 723-5435
Year Founded
1812
FDIC Number
Website
Largest Affiliates
Greenville, DE
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Bank
