# FIA CARD SERVICES NA
WILMINGTON, DE · FDIC certificate 33318 · asset band >$100B · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $127.00B | |
| Deposits | $92.26B | |
| Loans and leases | $110.91B | |
| Total equity | $19.71B | |
| Loans / deposits | 115.68% (p92 of band) | 70.40% |
| Liquid assets / assets | 11.37% (p4 of band) | |
| Uninsured deposits / deposits | 91.46% (p100 of band) | 40.26% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.88% (p29 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.46% (p92 of band) | 9.47% |
| Unrealized securities loss / equity | 0.05% (p42 of band) | 0.63% |
| AOCI / equity | 0.13% (p21 of band) | |
| ROA (annualized) | 3.01% (p100 of band) | 0.93% |
| Net interest margin | 8.18% (p96 of band) | 3.01% |
| Efficiency ratio | 31.10% (p17 of band) | |
| Noncurrent loans | 0.95% (p38 of band) | 1.31% |
| Net charge-offs (annualized) | 2.19% (p100 of band) | |
| Reserve coverage of noncurrent | 398.47% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p10 of band) | |
| Deposits YoY | -21.4% | |
| Employees | 12069 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, charge-offs p90 |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 6 | brokered >10%, assets shrinking |  |
| 2012-06 | 6 |  |  |
| 2012-09 | 5 |  | capital falling |
| 2012-12 | 3 |  | loans exceed deposits, assets shrinking |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | capital falling |  |
| 2013-09 | 2 |  | wholesale funding >15%, brokered >10% |
| 2013-12 | 2 | assets shrinking | capital falling |
| 2014-03 | 1 |  | assets shrinking |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 6 | loans exceed deposits, uninsured deposits >50%, run vulnerability, deposits shrinking, assets shrinking | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2012-05-08 [First BanCorp reports 1Q ’12 net loss, announces $400M credit card portfolio deal - News is My Business](https://news.google.com/rss/articles/CBMirAFBVV95cUxQWHF5V19yQjR2SDc2eXl0R2J1UHg2NWxnaGVKNmNDMElnVHYybjdQRXJyRzlrU0V1TXp5c1BPU1JNUUI1Z2Zub05SN19hOVJqRjQ2c2M2RE1SdTRiQkNaOTU1WkVWLWIxc3pPNVpEc3doTmNtUkw0ajU4YmNIRmM4NVl0dVBZUWp6ZEF0SjU0LXFXN2stUTRqM1JVU05sMUVxU01oTEZ5SFpTZ2Fh?oc=5) · News is My Business
- 2011-08-24 [New Suits – Jackson County Circuit Court - Missouri Lawyers Media](https://news.google.com/rss/articles/CBMihwFBVV95cUxQQmFLNUVGRDZYT3RrcHdURTJvQVZFSTBzUVlOVzYzUlMtRUl4MXpLMFNUMXBJS0NUemJIc0xZTjM2SVFuV3I4aXkyV0JCc3FYVFpSMGRldHB3X3lIcElmVjRPZDM5aDFjTkdrVmxySlVfVGxIQUVaTVJYTVlvSmExN3ljS1QzQmM?oc=5) · Missouri Lawyers Media
- 2011-01-15 [Does Someone Owe You Money? Part Three of Patch's Very Long Series - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxNNnBTeEpRdFVnTGNrblkyVnVNaFliT1hZb1Y2d2pxRnFRUUp2SXoweFo2OGdDQTZxYWxNQUg1cjFDN1RuZVFHRW5CUmxxOXpMYUhyRktON2M1VE94TE9sbkhBb2FndV9icE1KTmtPRldCMkprYjJDNzRhbWhzSVdKdHR6b3lDZS15Q0loZkRLTFdvMGpJaHZ5MV93bzVmcFo4cTFj?oc=5) · Patch
- 2013-10-31 [FirstBank acting on cleaner balance sheet to push growth - News is My Business](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5zRHVkVkhkWV9JbXVMTjR0dDFDOWR2MWY5VHE2QU1wWUpwSms4OUdlX3BjUEpuTThpV2VxU2x2c3V6cVR5ek84Vzl4MkRRZlpKWDhuNzdpamNHVkJBYjB6dk42VHEzUQ?oc=5) · News is My Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33318 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "33318", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide