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55
Year Ended December 31
(Dollars in thousands) 2007(2) 2006 2005 2004 2003
Average Balances:
Reported loans held for investment:
Consumer loans
Credit cards
Domestic $ 12,601,155
$ 15,114,625 $ 12,073,407 $ 12,243,466 $ 10,807,685
International 2,980,539
3,226,858 3,530,174 3,192,501 2,563,165
Total credit card 15,581,694
18,341,483 15,603,581 15,435,967 13,370,850
Installment loans
Domestic 8,622,863
6,582,942 6,087,114 5,828,325 4,672,744
International 490,914
615,255 553,357 347,259 191,243
Total installment loans 9,113,777
7,198,197 6,640,471 6,175,584 4,863,987
Auto loans(1) 23,928,080
19,902,920 13,056,708 9,305,008 7,799,706
Mortgage loans 11,412,960
5,826,632 674,047
Total consumer loans 60,036,511
51,269,232 35,974,807 30,916,559 26,034,543
Commercial loans 33,505,314
12,308,047 4,759,430 3,349,109 2,643,073
Total reported loans held for investment 93,541,825
63,577,279 40,734,237 34,265,668 28,677,616
Securitization adjustments:
Consumer loans
Credit cards
Domestic 37,747,827
34,367,401 34,612,169 33,529,885 30,452,104
International 7,835,913
7,285,459 6,452,707 5,159,458 3,254,331
Total credit card 45,583,740
41,652,860 41,064,876 38,689,343 33,706,435
Installment loans
Domestic 2,542,837
2,828,332 1,133,036 438,364 332,439
International
Total installment loans 2,542,837
2,828,332 1,133,036 438,364 332,439
Auto loans(1) 256,388
748,751 1,608,989
Mortgage loans
Total consumer loans 48,382,965
45,229,943 43,806,901 39,127,707 34,038,874
Commercial loans 2,802,217
2,521,373 723,885 318,298 195,463
Total securitization adjustments 51,185,182
47,751,316 44,530,786 39,446,005 34,234,337
Managed loans held for investment:
Consumer loans
Credit cards
Domestic 50,348,982
49,482,026 46,685,576 45,773,351 41,259,789
International 10,816,452
10,512,317 9,982,881 8,351,959 5,817,496
Total credit card 61,165,434
59,994,343 56,668,457 54,125,310 47,077,285
Installment loans
Domestic 11,165,700
9,411,274 7,220,150 6,266,689 5,005,183
International 490,914
615,255 553,357 347,259 191,243
Total installment loans 11,656,614
10,026,529 7,773,507 6,613,948 5,196,426
Auto loans(1) 24,184,468
20,651,671 14,665,697 9,305,008 7,799,706
Mortgage loans 11,412,960
5,826,632 674,047
Total consumer loans 108,419,476
96,499,175 79,781,708 70,044,266 60,073,417
Commercial loans 36,307,531
14,829,420 5,483,315 3,667,407 2,838,536
Total managed loans held for investment $ 144,727,007 $ 111,328,595 $ 85,265,023 $ 73,711,673 $ 62,911,953
(1) Includes the auto loans of North Fork and Hibernia
(2) Based on continuing operations