FIA Card Services, National Association in Wilmington, Delaware (DE)
Overview, Financial Summary, Detailed Financial Reports, Branches

FIA Card Services, National Association - Overview

  • General
  • FDIC Certificate #: 33318
    Status: Active
    Federal Reserve ID: 1830035
    Bank Holding Company (Regulatory Top Holder): Bank Of America Corporation (RSSDID: 1073757, Location: Charlotte, NC)
    Date Established: January 29, 1991
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 1, Foreign: 1, Interstate: No)
    FDIC's unique #: 46868
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Credit Card Institutions: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: Yes
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Credit-Card Specialization
    Date of Deposit Insurance: January 29, 1991
    Last Structure Change Effective Date: January 16, 2009
    Last Structure Change Process Date: November 24, 2009
    Last Data Update: November 24, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1100 North King Street, Wilmington, DE 19801
    County: New Castle
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: Washington
    FDIC Field Office: Claymont
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Wilmington-Newark, DE-MD (#9160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Wilmington, DE-MD-NJ (#48864)
  • History of Changes
  • Participated in Open Bank Assistance
  • Financial Summary
  • Total assets: $167,004.8 mil
    Equity capital: $23,839.6 mil
    Deposits held in domestic offices: $92,673.7 mil
    Return on assets (ROA): 3.11% ($5,193.9 mil)
    Quarterly return on assets: 3.09% ($5,160.5 mil)
    Return on Equity (ROE): 21.86% ($5,211.4 mil)
    Quarterly return on equity: 21.28% ($5,073.2 mil)
    Net income: $5,706.4 mil
    Quarterly Net income: $1,325.7 mil
    Pretax return on assets: 4.89% ($8,166,534.0 mil)
    Quarterly Pretax return on assets: 4.92% ($8,216,635.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 16,809Total employees (full-time equivalent)
  • $167,004,786Total assets
  • $27,618,490Cash and due from depository institutions
  • $25,689,579Interest-bearing balances
  • $2,827,250Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $127,039,906Net loans & leases
  • $8,722,573Loan loss allowance
  • $0Trading account assets
  • $410,782Bank premises and fixed assets
  • $0Other real estate owned
  • $3,246,386Goodwill and other intangibles
  • $167,004,786Life insurance assets
  • $5,861,972All other assets
  • $141,884,174Total liabilities and capital
  • $95,154,699Total liabilities
  • $94,235,943Total deposits
  • $92,673,672Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $40,108,071Trading liabilities
  • $1,933,298Other borrowed funds
  • $4,688,106Subordinated debt
  • $25,120,612All other liabilities
  • $23,839,556Total equity capital
  • $23,839,556Total bank equity capital
  • $0Perpetual preferred stock
  • $940,600Common stock
  • $42,257,533Surplus
  • $-19,358,577Undivided profits
  • Memoranda
  • $1,281,056Noncurrent loans and leases
  • $1,256,822Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,970,274Income earned, not collected on loans
  • $0Earning assets
  • $688,545Long-term assets (5+ years)
  • $155,556,735Average Assets, year-to-date
  • $230,507Average Assets, quarterly
  • $183,229,722Volatile liabilities
  • $171,736,009Insider loans
  • $139,883,340FHLB advances
  • $173,350,151Loans and leases held for sale
  • $586,856Unused loan commitments
  • $421,762Tier 1 (core) risk-based capital
  • $24,645,640Tier 2 risk-based capital
  • $165,094Total risk weighted assets
  • $0Total unused commitments
  • $455,607,728Restructured Loans and leases
  • $1,304Derivatives
  • $20,674,731Total assets and liabilities in foreign offices

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,239,842Total interest income
  • $1,119,296Total interest expense
  • $16,120,546Net interest income
  • $3,777,821Provision for loan and lease losses
  • $3,221,081Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,221,081Additional noninterest income
  • $6,477,588Total noninterest expense
  • $1,416,635Salaries and employee benefits
  • $195,750Premises and equipment expense
  • $4,865,203Additional noninterest expense
  • $9,086,218Pre-tax net operating income
  • $5,235Securities gains (losses)
  • $3,253,152Applicable income taxes
  • $5,838,301Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,706,406Net income attributable to bank
  • $131,895Net charge-offs
  • $5,838,301Cash dividends
  • $11,161,062Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 10.30%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 9.64%Net interest margin
  • 1.93%Noninterest income to earning assets
  • 3.87%Noninterest expense to earning assets
  • 3.18%Net operating income to assets
  • 3.11%Return on assets (ROA)
  • 4.89%Pretax return on assets
  • 21.86%Return on equity (ROE)
  • 21.86%Retained earnings to average equity (YTD only)
  • 7.39%Net charge-offs to loans
  • 33.85%Credit loss provision to net charge-offs
  • 1.15%Efficiency ratio
  • 29,420Assets per employee
  • 9.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 6.42%Loss allowance to noncurrent loans
  • 293.66%Noncurrent assets plus other real estate owned to assets
  • 1.78%Noncurrent loans to loans
  • 2.19%Net loans and leases to deposits
  • 133.51%Net loans and leases to core deposits
  • 154.45%Equity capital to assets
  • 14.27%Core capital (leverage) ratio
  • 14.22%Tier 1 risk-based capital ratio
  • 17.62%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $183,229,722Average earning assets
  • $26,107,136Average equity
  • $167,296,865Average loans

Bank Assets Sold and Securitized (December 31, 2009)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $01-4 family residential loans
  • $0Home equity lines
  • $89,715,859Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $0Commercial and industrial loans

List of branches

  • 1 Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4360124Mbna American Bank Cayman Island BraP.O. Box 501, George Town, 0January 29, 1991Full Service Brick and Mortar
  • 1 Delaware Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    046868Fia Card Services, National Association1100 North King Street, Wilmington, DE 19801January 29, 1991Full Service Brick and Mortar

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