On Jan. 23, National City
- Non-interest income includes a $984 million gain on the sale of the First Franklin origination and servicing platform.
- Net interest income dropped 5% because of a smaller loan portfolio and flat net interest margin.
- Income Investor recommendation National City carries a one-star rating in Motley Fool CAPS.
(Figures in millions, except per-share data)
Income Statement Highlights
|
Q4 2006 |
Q4 2005 |
Change |
|
|---|---|---|---|
|
Total Revenue |
$2,504.1 |
$1,828.9 |
36.9% |
|
Net Interest Income |
$1,125.0 |
$1,183.5 |
(4.9%) |
|
Net Profit |
$841.7 |
$398.1 |
111.4% |
|
EPS |
$1.36 |
$ 0.64 |
112.5% |
Get back to basics with a look at the income statement.
Ratio Checkup
|
Q4 2006 |
Q4 2005 |
Change* |
|
|---|---|---|---|
|
Net Interest Margin |
3.73% |
3.74% |
(0.01%) |
|
Efficiency Ratio |
42.51% |
64.65% |
(22.14%) |
|
Nonperforming Assets / Assets |
0.52% |
0.42% |
0.10% |
|
Return on Average Assets |
2.44% |
1.10% |
1.34% |
|
Return on Average Equity |
24.94% |
12.59% |
12.35% |
Find out more about bank performance ratios.
Balance Sheet Highlights
|
Assets |
Q4 2006 |
Q4 2005 |
Change |
|---|---|---|---|
|
Investments |
$13,827 |
$9,983 |
38.5% |
|
Loans |
$108,345 |
$115,706 |
(6.4%) |
|
Liabilities |
Q4 2006 |
Q4 2005 |
Change |
|---|---|---|---|
|
Deposits |
$87,234 |
$83,986 |
3.9% |
|
Total Liabilities |
$125,610 |
$129,784 |
(3.2%) |
Learn about bank assets and bank liabilities.
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