Lot of negative effect dictation the average analyst estimate was 19. 3 9 billion. This bite making 20 billion, the revenue was down by about one percent year on year. Citigroup is primarily blaming currency and commodity. Lets take a look at that. Revenue came in at 3. 8 billion for the First Quarter. Sequentially, this was not terrible. Youre on year, that is where it gets painful. It is down 18 . Training trading down 18 year on year. Net interest margins, how much citigroup makes, what they have to pay out in terms of rates and what they make in terms of rates comes in higher than last quarter, 2. 9 last quarter, under by about 2. 8 . We will pour through the numbers. The calls coming up later on the the stress test could not return the capital like they wanted to. How do they resubmit the test, will they be able to return capital to shareholders, and how much will it cost to do that . There are still a lot of questions here for citigroup. In 1. 30 percoming share, one percent year