Call reports 2003
FIA CARD SERVICES, NATIONAL ASSOCIATION — 2003
What FIA CARD SERVICES, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 52,007,222,000 | 54,657,204,000 | 56,071,080,000 | 56,495,866,000 |
| Total loans | 26,882,127,000 | 28,465,027,000 | 28,444,217,000 | 32,824,404,000 |
| Allowance for loan losses | 1,130,861,000 | 1,158,585,000 | 1,163,650,000 | 1,176,618,000 |
| Securities available for sale | 3,419,620,000 | 3,234,315,000 | 3,698,035,000 | 4,180,046,000 |
| Securities held to maturity | 391,831,000 | 375,934,000 | 354,657,000 | 344,730,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,972,384,000 | 32,268,066,000 | 31,264,159,000 | 30,827,391,000 |
| Interest-bearing deposits | 29,889,210,000 | 30,117,260,000 | 28,987,802,000 | 28,554,965,000 |
| Noninterest-bearing deposits | 1,083,174,000 | 2,150,806,000 | 2,276,357,000 | 2,272,426,000 |
| Equity capital | 8,907,233,000 | 9,454,710,000 | 10,010,937,000 | 10,762,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 925,257,000 | 1,864,382,000 | 2,816,146,000 | 3,783,923,000 |
| Interest expense | 370,816,000 | 733,101,000 | 1,083,923,000 | 1,436,174,000 |
| Net interest income | 554,441,000 | 1,131,281,000 | 1,732,223,000 | 2,347,749,000 |
| Noninterest income | 1,742,307,000 | 3,539,605,000 | 5,510,638,000 | 7,598,643,000 |
| Noninterest expense | 1,278,774,000 | 2,500,730,000 | 3,755,016,000 | 5,075,706,000 |
| Provision for loan losses | 370,010,000 | 708,993,000 | 1,036,838,000 | 1,357,227,000 |
| Pretax income | 647,964,000 | 1,461,163,000 | 2,451,007,000 | 3,513,459,000 |
| Income tax | 235,171,000 | 530,630,000 | 889,522,000 | 1,289,094,000 |
| Net income | 412,793,000 | 930,533,000 | 1,561,485,000 | 2,224,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,987,211,000 | 8,646,094,000 | 9,408,907,000 | 10,286,026,000 |
| Total capital | 10,229,270,000 | 10,937,266,000 | 11,730,908,000 | 12,644,844,000 |
| Risk-weighted assets | 57,471,168,000 | 60,292,537,000 | 61,763,323,000 | 62,811,668,000 |