Please fill out the whole table for question 2 e:

For the links you have to copy and paste into google:

Citigroup Link : https://www.ffiec.gov/npw/Institution/Profile/1951350?dt=20170701

CVB FINANCIAL CORP Link: https://www.ffiec.gov/npw/Institution/Profile/1029222?dt=20120101

1. Go to the website of the National Information Center

(http://www.ffiec.gov/nicpubweb/nicweb/nichome.aspx). Then go to "Institution Search" and

enter "1951350" for institution's RSSD ID. Click on "Search". Choose "Citigroup" (ID 1951350).

Then choose "Consolidated Financial Statements for BHCs (FR Y-9C)". Download and save the

PDF file for 2024-12-31. Then repeat the same procedure to download reports for 2023-12-31,

2022-12-31, 2021-12-31, and 2020-12-31. Save all the files on your computer. Then repeat the

above procedure for the "CVB Financial" (ID 1029222). Now you have 5-year financial

statements for two companies. Alternatively, instead of using PDF files, you can download CSV

(spreadsheet) files. The CSV files are easier to work with in terms of extracting the relevant data.

However, the CSV files are not well organized. They just list the variables in no particular order.

One option is to use PDF files to identify a variables of interest, and then find that variable in the

CSV file, using its unique identifier. For example, you can use the PDF file to find the total

consolidated assets of a BHC, shown in the BHC's Balance Sheet. You will notice that the total

consolidated assets have the identifier, BHCK2170. Now you can use that identifier to find the

value of the total consolidated assets in the CSV file.

2. Compare the performance of Citi and CVBF over the last 5 years. In particular, do the following.

a. Create spreadsheet with the Balance Sheet (Schedule HC) and Income Statement (Schedule

HI) data over 5 years for Citi and CVBF. It is a tedious exercise, but it will significantly

simplify your further analysis.

b. Write one paragraph comparing the asset composition of Citi to that of CVBF. To do it,

calculate the percentages of certain broad groups of assets to total assets. For example, net

loans-to-total assets, securities-to-total assets etc. Comment on the behavior of those

percentages over time, and compare between two banks. Note that a bank may grow

rapidly due to mergers and acquisitions.

c. Using Schedule HC-N, calculate the ratio of the non-performing loans to total loans for each

year for each company. Comment on your results. Hint: the best measure of the nonperforming loans is the sum of the loans past due 90 days or more (Column B, bhck1407)

and nonaccrual loans (Column C, bhck1403). Do the same analysis for Net Charge Off Ratio,

defined as Net Charge Offs/Total Loans. Note that Net Charge Off = Charge Off - Recovery.

Use Schedule HI-B to find information about total charge-offs (bhck4635) and recoveries

(bhck4605).

d. Write one paragraph comparing the sources of funds composition of Citi to that of CVBF.

Calculate the percentages of certain broad groups of liabilities to total assets. For example,

total deposits-to-total assets, total non-deposit sources of funds-to-total assets etc.

Comment on the behavior of those percentages over time, and compare between two

Banks.

e. Perform the comparative profitability analysis of Citi and CVBF. To do it, create the

following table for each institution:

	12-31-24	12-31-23	12-31-22	12-31-21	12-31-20
Profitability Ratios
Return on Equity
Return on Assets
Net Interest Margin
Net Non-Interest Margin
Net Operating Margin
Breakdown of ROE
Net Profit Margin
Asset Utilization Ration
Equity Multiplier
Breakdown of ROA
Net Interest Margin
Noninterest Margin
Special Transactions Affecting Net Income