Call reports 2004
FIA CARD SERVICES, NATIONAL ASSOCIATION — 2004
What FIA CARD SERVICES, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 57,698,842,000 | 57,380,041,000 | 58,570,805,000 | 58,268,872,000 |
| Total loans | 28,418,287,000 | 29,016,614,000 | 30,591,277,000 | 31,821,874,000 |
| Allowance for loan losses | 1,204,056,000 | 1,122,873,000 | 1,068,758,000 | 1,061,184,000 |
| Securities available for sale | 4,507,968,000 | 4,984,389,000 | 5,465,291,000 | 5,753,785,000 |
| Securities held to maturity | 333,186,000 | 319,271,000 | 306,720,000 | 292,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,124,943,000 | 30,909,400,000 | 30,704,823,000 | 29,712,255,000 |
| Interest-bearing deposits | 28,779,782,000 | 28,648,534,000 | 28,261,071,000 | 27,242,639,000 |
| Noninterest-bearing deposits | 2,345,161,000 | 2,260,866,000 | 2,443,752,000 | 2,469,616,000 |
| Equity capital | 11,175,526,000 | 11,581,905,000 | 12,161,246,000 | 13,015,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,006,607,000 | 1,929,051,000 | 2,885,012,000 | 3,901,525,000 |
| Interest expense | 348,741,000 | 695,067,000 | 1,056,141,000 | 1,427,032,000 |
| Net interest income | 657,866,000 | 1,233,984,000 | 1,828,871,000 | 2,474,493,000 |
| Noninterest income | 1,881,420,000 | 3,811,232,000 | 5,901,018,000 | 7,983,886,000 |
| Noninterest expense | 1,418,685,000 | 2,766,908,000 | 4,081,407,000 | 5,405,481,000 |
| Provision for loan losses | 351,221,000 | 585,772,000 | 840,814,000 | 1,082,268,000 |
| Pretax income | 769,380,000 | 1,692,536,000 | 2,807,668,000 | 3,970,630,000 |
| Income tax | 283,021,000 | 587,793,000 | 1,007,054,000 | 1,422,378,000 |
| Net income | 486,359,000 | 1,104,743,000 | 1,800,614,000 | 2,548,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,415,810,000 | 10,973,020,000 | 11,760,791,000 | 12,643,465,000 |
| Total capital | 12,710,107,000 | 13,240,529,000 | 13,974,101,000 | 14,849,178,000 |
| Risk-weighted assets | 60,312,944,000 | 58,727,610,000 | 58,697,311,000 | 58,788,600,000 |