FIA Card Services, National Association

FIA Card Services, National Association is headquartered in Wilmington and is the 3^rd largest bank in the state of Delaware. It is also the 13^st largest bank in the nation. It was established in 1991 and as of March of 2012, it had grown to 15,388 employees at 1 location. FIA Card Services, National Association has a 5-star health rating.

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Data for Q1 2012

Institution Statistics FIA Card Services, National Association FDIC Certificate # 33318 BankRate Report View Year Established 1991 Employees 15388 Primary Regulator OCC Assets and Liabilities Assets $160.84 billion Loans $120.90 billion Deposits $101.43 billion Equity Capital $22.00 billion Loan Loss Allowance $7.79 billion Unbacked Noncurrent Loans $2.65 billion Historic Data - March 2011 Assets $188.63 billion Equity Capital $26.80 billion Loan Loss Allowance $13.77 billion Unbacked Noncurrent Loans $4.41 billion Profit Margin - Quarterly Net Interest Margin 9.07% Return on Assets 2.46% Return on Equity 17.59% Interest Income $3.64 billion

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 March 31, 2012 FIA Card Services, National Association had $2.65 billion in non-current loans and owned real-estate with $29.79 billion in equity and loan loss allowances on hand to cover it. This gives FIA Card Services, National Association a Texas Ratio of 8.90% which is above average. 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 10.88% as of March 31, 2011 to 8.90% as of March 31, 2012, resulting in a positive change of 18.18%.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 $7.2 billion, resulting in 7.64% 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 $160.84 billion in assets with $29.79 billion in equity, resulting in a capitalization level of 18.52%, which is excellent.