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Year Ended December 31
(In Thousands) 2005 2004 2003 2002 2001
Average Balances:
Reported loans:
Consumer loans:
Credit cards
Domestic $ 12,073,407 $ 12,243,466 $ 10,807,685 $ 12,131,105 $ 9,939,426
International 3,530,174
3,192,501 2,563,165 2,633,724 2,576,728
Total credit cards 15,603,581
15,435,967 13,370,850 14,764,829 12,516,154
Installment loans
Domestic 6,087,114
5,828,325 4,672,744 2,453,183 1,666,395
International 553,357
347,259 191,243 154,289 59,280
Total installment loans 6,640,471
6,175,584 4,863,987 2,607,472 1,725,675
Auto loans(1) 13,056,708
9,305,008 7,799,706 5,768,238 2,015,899
Mortgage loans 674,047
— — — —
Total consumer loans 35,974,807
30,916,559 26,034,543 23,140,539 16,257,728
Small business loans 4,257,805
3,349,109 2,643,073 1,895,480 1,026,578
Commercial loans 501,625
— — — —
Total reported loans 40,734,237
34,265,668 28,677,616 25,036,019 17,284,306
Securitization Adjustments:
Consumer loans:
Credit cards
Domestic 34,612,169
33,529,885 30,452,104 24,712,671 17,214,116
International 6,452,707
5,159,458 3,254,331 1,951,547 609,328
Total credit cards 41,064,876
38,689,343 33,706,435 26,664,218 17,823,444
Installment loans
Domestic 1,133,036
438,364 332,439 1,054,484 504,567
International —
— — — —
Total installment loans 1,133,036
438,364 332,439 1,054,484 504,567
Auto loans(1) 1,608,989
— — — —
Mortgage loans —
— — — —
Total consumer loans 43,806,901
39,127,707 34,038,874 27,718,702 18,328,011
Small business loans 723,885
318,298 195,463 44,845 —
Commercial loans —
— — — —
Total securitization adjustments 44,530,786
39,446,005 34,234,337 27,763,547 18,328,011
Managed loans:
Consumer loans:
Credit cards
Domestic 46,685,576
45,773,351 41,259,789 36,843,776 27,153,542
International 9,982,881
8,351,959 5,817,496 4,585,271 3,186,056
Total credit cards 56,668,457
54,125,310 47,077,285 41,429,047 30,339,598
Installment loans
Domestic 7,220,150
6,266,689 5,005,183 3,507,667 2,170,962
International 553,357
347,259 191,243 154,289 59,280
Total installment loans 7,773,507
6,613,948 5,196,426 3,661,956 2,230,242
Auto loans(1) 14,665,697
9,305,008 7,799,706 5,768,238 2,015,899
Mortgage loans 674,047
— — — —
Total consumer loans 79,781,708
70,044,266 60,073,417 50,859,241 34,585,739
Small business loans 4,981,690
3,667,407 2,838,536 1,940,325 1,026,578
Commercial loans 501,625
— — — —
Total $ 85,265,023 $ 73,711,673 $ 62,911,953 $ 52,799,566 $ 35,612,317
(1
) Auto loans includes the auto loans of Hibernia.
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