PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citicorp Trust, National Association

Los Angeles, CA · Cert 26170

FDIC

Q3 2006

$112.5MAssets
n/aLoans
n/aDeposits
$108.9MEquity

Executive Summary

  • Earnings: ROA of 3.89%, up 98 bps year over year; NIM at 4.67%.

Return on Assets (YTD, annualized)

3.89%+98 bps YoY

Net Interest Margin (YTD, annualized)

4.67%+182 bps YoY

Efficiency Ratio (YTD, annualized)

20.57%-781 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.07%Q3 ’042.86%Q3 ’054.67%Q3 ’06+38%+64%

Non-interest income vs. expense

2.40%Q3 ’041.75%Q3 ’051.54%Q3 ’06-78%+19%

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets3.95%2.52%2.73%2.90%3.03%3.76%3.73%3.89%+98 bps
Return on Equity4.06%2.55%2.77%2.95%3.08%3.85%3.83%3.99%+104 bps
Net Interest Margin2.00%2.26%2.65%2.86%3.11%4.35%4.56%4.67%+182 bps
Efficiency Ratio45.09%30.07%30.13%28.38%27.25%20.67%23.18%20.57%-781 bps
Non-Interest Burden-0.88%-1.62%-1.53%-1.57%-1.47%-1.45%-1.18%-1.27%+30 bps
Growth
Asset Growth (YoY)0.75%0.99%1.36%2.06%4.77%4.35%4.66%5.04%+299 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
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 Capital479%480%478%476%480%474%473%479%+292 bps
Equity / Assets98.92%98.59%98.21%97.80%97.37%97.76%97.30%96.78%-102 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets97.51%97.53%97.37%97.10%97.61%97.12%97.55%0.00%-9,710 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a