PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citicorp Trust Bank FSB

Wilmington, DE · Cert 18708

FDIC

Q4 2011

$11.8BAssets
$9.3BLoans
$132.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.02%, down 37 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 7022.38% of deposits as of Q4 2011.

Return on Assets (YTD, annualized)

0.02%-37 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets0.41%0.44%0.67%0.40%-0.41%-0.17%-0.28%0.02%-37 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-10.25%-15.25%-19.32%-24.02%-25.72%-25.80%-21.96%-12.77%+1,125 bps
Loan Growth (YoY)-13.04%-16.38%-19.07%-27.97%-31.24%-30.10%-29.81%-23.77%+420 bps
Deposit Growth (YoY)-14.14%-5.66%-5.06%-1.34%-0.40%-97.86%-97.86%-97.90%-9,656 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits254%243%230%193.32%175.15%7938%7559%7022%+682,907 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a