Institution Statistics
| FIA Card Services, National Association | | FDIC Certificate # | 33318 | | BankRate Report | View | | Year Established | 1991 | | Employees | 13556 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $167.46 billion | | Loans | $114.75 billion | | Deposits | $117.45 billion | | Equity Capital | $21.33 billion | | Loan Loss Allowance | $6.16 billion | | Unbacked Noncurrent Loans | $1.94 billion |
Historic Data - December 2011 | | Assets | $167.00 billion | | Equity Capital | $23.84 billion | | Loan Loss Allowance | $8.72 billion | | Unbacked Noncurrent Loans | $2.97 billion |
Profit Margin - Quarterly | | Net Interest Margin | 8.76% | | Return on Assets | 2.56% | | Return on Equity | 19.33% | | Interest Income | $13.99 billion |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 FIA Card Services, National Association had $1.94 billion in non-current loans and owned real-estate with $27.48 billion in equity and loan loss allowances on hand to cover it. This gives FIA Card Services, National Association a Texas Ratio of 7.06% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for FIA Card Services, National Association decreased slightly from 9.12% as of December 31, 2011 to 7.06% as of December 31, 2012, resulting in a positive change of 22.56%.This indicates that the balance sheet and financial strength for FIA Card Services, National Association has improved slightly in recent periods. | | Deposit Growth | | | In the past year, FIA Card Services, National Association has increased its total deposits by $22.29 billion, resulting in 23.43% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth FIA Card Services, National Association has shown is excellent. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. FIA Card Services, National Association has $167.46 billion in assets with $27.48 billion in equity, resulting in a capitalization level of 16.41%, which is excellent. |
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Average User Rating:
Management Of This Bank Sucks And Is Coward
I received a letter from this bank signed by Mathew Schlitz seeking my feed back on their services but when I called the telephone number I was told that there is no one with that name nor could I get his email address or any other means to contact him personally.
It is obvious that they do not care for any feedback and are just wasting their and customers' time.
There is no email address to contact them at the url given above.