Citibank, National Association

701 East 60th Street North
Sioux Falls, SD 57104

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 7213
Date Established 1812
Assets $1,415.08 billion
Loans $630.66 billion
Deposits $1,018.67 billion
Capital $147.06 billion

Citibank, National Association is an FDIC insured institution located in Sioux Falls, SD. It was founded in 1812 and has approximately $1415.08 billion in assets. Customers can open an account at one of its 1,097 branches.

For a more detailed analysis of Citibank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Citibank, National Association’s loan portfolio are Commercial and Industrial Loans, Credit Card Loans, and 1-4 Family Residential Loans.

Compared to other banks in South Dakota, Citibank, National Association has a significantly higher percent of Credit Card Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.01
Multifamily
Mortgages
0.95
Credit Card Loans 23.61
Consumer Auto Loans 0.01
Small Business Loans 0.06
Construction and Development Loans 0.90
Commercial Real Estate 1.66
Commercial and Industrial Loans 26.57
Farm Loans 0.10

Deposit Rates - January 16, 2019

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD
0.05% $10,000 $24,999 Learn MoreShow Less
3 Mo CD
0.05% $100,000 $499,999 Learn MoreShow Less
6 Mo CD
2.00% $10,000 $24,999 Learn MoreShow Less
6 Mo CD
2.00% $100,000 $499,999 Learn MoreShow Less
12 Mo CD
0.25% $10,000 $24,999 Learn MoreShow Less
12 Mo CD
0.25% $100,000 $499,999 Learn MoreShow Less
18 Mo CD
0.50% $10,000 $24,999 Learn MoreShow Less
18 Mo CD
2.60% $100,000 $499,999 Learn MoreShow Less
24 Mo CD
0.70% $10,000 $24,999 Learn MoreShow Less
24 Mo CD
0.70% $100,000 $499,999 Learn MoreShow Less
30 Mo CD
0.70% $10,000 $24,999 Learn MoreShow Less
36 Mo CD
1.00% $10,000 $24,999 Learn MoreShow Less
36 Mo CD
1.00% $100,001 $499,999 Learn MoreShow Less
48 Mo CD
1.15% $10,000 $24,999 Learn MoreShow Less
48 Mo CD
1.15% $100,000 $499,999 Learn MoreShow Less
60 Mo CD
1.50% $10,000 $24,999 Learn MoreShow Less
60 Mo CD
1.50% $100,000 $499,999 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.25% $250 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
2.91% $1 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 $24,999 Learn MoreShow Less
Checking Rates APY MIN FEE
Basic Banking Account 0.00% $1,500 $12.00 Learn MoreShow Less
The Citibank Account 0.00% $10,000 $25.00 Learn MoreShow Less
Citigold 0.05% $200,000 $0.00 Learn MoreShow Less

Citibank, National Association often runs savings promotions for new accounts.
See Citibank, National Association current offers here
.


Loan Rates - January 16, 2019

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Citibank, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Citibank, National Association Locations

Financial Details

Citibank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citibank, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Citibank, National Association U.S. Bank Average
3.6% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2018, Citibank, National Association had $5,591,000,000 in non-current loans and $87,000,000 in owned real estate. To cover these potential losses it had $147,061,000,000 in equity and $10,586,000,000 in loans loss reserves. That gives it a Texas Ratio of 3.6%.

Return on Equity
Citibank, National Association U.S. Bank Average
11.76% 9.95%

Citibank, National Association has a Return on Equity of 11.76% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Citibank, National Association U.S. Bank Average
10.39% 12.19%

Citibank, National Association has a Capitalization of 10.39% versus the BestCashCow average of 12.19. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citibank, National Association Balance Sheet Analysis

As of September 30, 2018, Citibank, National Association had assets of $1,415,081,000,000, loans of $630,662,000,000, and deposits of $1,018,666,000,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $193.11 billion
Interest-bearing balances $169.45 billion
Total securities $310.08 billion
Federal funds sold and reverse repurchase $72.06 billion
Net loans and leases $630.66 billion
Loan loss allowance $10.59 billion
Trading account assets $111.11 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.09 billion
Goodwill and other intangibles $15.39 billion
All other assets $75.37 billion
     Total Assets $1,268.02 billion
LIABILITIES
Total deposits $1,018.67 billion
      Interest-bearing deposits $841.14 billion
      Deposits held in domestic offices $503.69 billion
      % insured (estimated) 17.97%
Federal funds purchased and repurchase agreements $15.38 billion
Trading liabilities $60.15 billion
Other borrowed funds $112.60 billion
Subordinated debt $12.00 billion
All other liabilities $49.22 billion
      Total Liabilities $1,268.02 billion
      Shareholders’ Equity $147.06 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $40.71 billion
Total Interest Expense $9.53 billion
Net interest income $31.18 billion
Provision for loan and lease losses $4.57 billion
Total non interest income $12.68 billion
Total non interest expense $22.57 billion
Pre-tax Net Operating Income $16.72 billion

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*All images, logos and public notes on this page appear courtesy of Citibank, National Association and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.