Call reports 2005
FIA CARD SERVICES, NATIONAL ASSOCIATION — 2005
What FIA CARD SERVICES, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 58,381,027,000 | 59,248,814,000 | 58,970,122,000 | 58,516,899,000 |
| Total loans | 29,047,101,000 | 29,295,233,000 | 32,751,661,000 | 34,566,719,000 |
| Allowance for loan losses | 1,035,322,000 | 941,339,000 | 914,946,000 | 769,372,000 |
| Securities available for sale | 6,553,985,000 | 6,416,667,000 | 6,000,351,000 | 5,192,242,000 |
| Securities held to maturity | 277,885,000 | 288,147,000 | 285,138,000 | 277,977,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,540,388,000 | 29,217,444,000 | 27,970,551,000 | 27,095,467,000 |
| Interest-bearing deposits | 27,053,260,000 | 26,747,307,000 | 25,555,838,000 | 24,244,956,000 |
| Noninterest-bearing deposits | 2,487,128,000 | 2,470,137,000 | 2,414,713,000 | 2,850,511,000 |
| Equity capital | 12,870,665,000 | 13,162,201,000 | 13,633,063,000 | 14,069,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,013,180,000 | 2,040,811,000 | 3,169,876,000 | 4,296,407,000 |
| Interest expense | 368,890,000 | 758,713,000 | 1,167,271,000 | 1,574,469,000 |
| Net interest income | 644,290,000 | 1,282,098,000 | 2,002,605,000 | 2,721,938,000 |
| Noninterest income | 1,710,050,000 | 3,563,517,000 | 5,480,731,000 | 7,190,024,000 |
| Noninterest expense | 1,970,674,000 | 3,349,230,000 | 4,663,293,000 | 6,221,464,000 |
| Provision for loan losses | 277,183,000 | 443,376,000 | 691,019,000 | 939,144,000 |
| Pretax income | 106,483,000 | 1,053,009,000 | 2,129,024,000 | 2,751,591,000 |
| Income tax | 30,630,000 | 390,350,000 | 785,117,000 | 971,241,000 |
| Net income | 75,853,000 | 662,659,000 | 1,343,907,000 | 1,780,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,543,617,000 | 12,822,444,000 | 13,123,141,000 | 13,586,031,000 |
| Total capital | 14,672,097,000 | 14,857,039,000 | 15,131,374,000 | 15,448,792,000 |
| Risk-weighted assets | 54,600,287,000 | 55,886,867,000 | 57,563,309,000 | 59,415,001,000 |