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Overview / Commentary
1100 North King Street
Wilmington, DE 19884

FIA Card Services, National Association is headquartered in Wilmington and is the 3rd largest bank in the state of Delaware. It is also the 14st largest bank in the nation. It was established in 1991 and as of March of 2014, it had grown to 12,259 employees at 1 location. FIA Card Services, National Association has a A+ health rating.

Reviews (1)

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.



Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 FIA Card Services, National Association had $1.24 billion in non-current loans and owned real-estate with $23.23 billion in equity and loan loss allowances on hand to cover it. This gives FIA Card Services, National Association a Texas Ratio of 5.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for FIA Card Services, National Association decreased slightly from 6.89% as of March 31, 2013 to 5.32% as of March 31, 2014, resulting in a positive change of 22.72%.This indicates that the balance sheet and financial strength for FIA Card Services, National Association has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, FIA Card Services, National Association has increased its total deposits by $4.44 billion, resulting in 3.86% 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

GRADE:
A+

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 $155.8 billion in assets with $23.23 billion in equity, resulting in a capitalization level of 14.91%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #33318
Year Established1991
Employees12259
Primary RegulatorOCC
Assets and Liabilities
Assets$155.80 billion
Loans$106.18 billion
Deposits$119.58 billion
Equity Capital$18.44 billion
Loan Loss Allowance$4.79 billion
Unbacked Noncurrent Loans$1.24 billion
Real Estate Owned$1,000,000
Historic Data - March 2013
Assets$162.17 billion
Equity Capital$20.26 billion
Loan Loss Allowance$5.89 billion
Unbacked Noncurrent Loans$1.24 billion
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin7.8%
Return on Assets3.48%
Return on Equity28.95%
Interest Income$2.98 billion
Rates

Sorry, we do not have rate data for FIA Card Services, National Association

Locations


FIA Card Services, National Association Locations
Fia Card Services, National Association1100 North King StreetWilmington, DE 19801