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59
Year Ended December 31
(Dollars in thousands) 2006 2005 2004 2003 2002
Average Balances:
Reported loans held for investment:
Consumer loans
Credit cards
Domestic $ 15,114,625
$ 12,073,407 $ 12,243,466 $ 10,807,685 $ 12,131,105
International 3,226,858
3,530,174 3,192,501 2,563,165 2,633,724
Total credit card 18,341,483
15,603,581 15,435,967 13,370,850 14,764,829
Installment loans
Domestic 6,582,942
6,087,114 5,828,325 4,672,744 2,453,183
International 615,255
553,357 347,259 191,243 154,289
Total installment loans 7,198,197
6,640,471 6,175,584 4,863,987 2,607,472
Auto loans(1) 19,902,920
13,056,708 9,305,008 7,799,706 5,768,238
Mortgage loans 5,826,632
674,047
Total consumer loans 51,269,232
35,974,807 30,916,559 26,034,543 23,140,539
Commercial loans 12,308,047
4,759,430 3,349,109 2,643,073 1,895,480
Total reported loans held for
investment 63,577,279
40,734,237 34,265,668 28,677,616 25,036,019
Securitization adjustments:
Consumer loans
Credit cards
Domestic 34,367,401
34,612,169 33,529,885 30,452,104 24,712,671
International 7,285,459
6,452,707 5,159,458 3,254,331 1,951,547
Total credit card 41,652,860
41,064,876 38,689,343 33,706,435 26,664,218
Installment loans
Domestic 2,828,332
1,133,036 438,364 332,439 1,054,484
International
Total installment loans 2,828,332
1,133,036 438,364 332,439 1,054,484
Auto loans(1) 748,751
1,608,989
Mortgage loans
Total consumer loans 45,229,943
43,806,901 39,127,707 34,038,874 27,718,702
Commercial loans 2,521,373
723,885 318,298 195,463 44,845
Total securitization adjustments 47,751,316
44,530,786 39,446,005 34,234,337 27,763,547
Managed loans held for investment:
Consumer loans
Credit cards
Domestic 49,482,026
46,685,576 45,773,351 41,259,789 36,843,776
International 10,512,317
9,982,881 8,351,959 5,817,496 4,585,271
Total credit card 59,994,343
56,668,457 54,125,310 47,077,285 41,429,047
Installment loans
Domestic 9,411,274
7,220,150 6,266,689 5,005,183 3,507,667
International 615,255
553,357 347,259 191,243 154,289
Total installment loans 10,026,529
7,773,507 6,613,948 5,196,426 3,661,956
Auto loans(1) 20,651,671
14,665,697 9,305,008 7,799,706 5,768,238
Mortgage loans 5,826,632
674,047
Total consumer loans 96,499,175
79,781,708 70,044,266 60,073,417 50,859,241
Commercial loans 14,829,420
5,483,315 3,667,407 2,838,536 1,940,325
Total managed loans held for
investment $ 111,328,595 $ 85,265,023 $ 73,711,673 $ 62,911,953 $ 52,799,566
(1) Includes the auto loans of North Fork and Hibernia