SAN FRANCISCO, CA - JANUARY 18:  The Transamerica pyramid building is seen reflected in the window of a Citibank branch office on January 18, 2011 in San Francisco, California.  Citigroup announced its first profitable year since the economic crash with a quarterly profit of $1.3 billion or 4 cents a share compared to a loss of $7.6 billion or 33 cents a share one year ago.  (Photo by Justin Sullivan/Getty Images)