Capital One 2007 Annual Report Download - page 99

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The following tables present certain information regarding our continuing operations by segment:
Year Ended December 31, 2007
Total Company National
Lending Local Banking Other Total
Managed Securitization Adjustments(1) Total Reported
Net interest income $ 8,854,459 $ 2,322,828 $ (157,537) $ 11,019,750 $ (4,489,905) $ 6,529,845
Non-interest income 5,012,099 798,268 (44,599) 5,765,768 2,288,455 8,054,223
Provision for loan and lease losses 4,691,779 32,085 114,088 4,837,952 (2,201,450) 2,636,502
Restructuring expenses   138,237 138,237  138,237
Other non-interest expenses 5,545,898 2,208,262 185,613 7,939,773  7,939,773
Income tax provision (benefit) 1,247,073 306,553 (275,789) 1,277,837  1,277,837
Net income (loss) $ 2,381,808 $ 574,196 $ (364,285) $ 2,591,719  $ 2,591,719
Loans held for investment $ 106,508,443 $ 43,972,795 $ 881,179 $ 151,362,417 $ (49,557,390) $ 101,805,027
Total deposits $ 2,050,861 $ 73,318,570 $ 7,621,031 $ 82,990,462 $  $ 82,990,462
Year Ended December 31, 2006
Total Company National
Lending Local Banking Other(2) Total
Managed Securitization Adjustments(1) Total Reported
Net interest income $ 7,906,186 $ 996,929 $ 29,578 $ 8,932,693 $ (3,841,247) $ 5,091,446
Non-interest income 4,524,152 446,071 (62,942) 4,907,281 2,093,743 7,001,024
Provision for loan and lease losses 3,207,849 399 15,694 3,223,942 (1,747,504) 1,476,438
Other non-interest expenses 5,631,100 1,167,873 144,718 6,943,691  6,943,691
Income tax provision (benefit) 1,260,518 96,155 (110,709) 1,245,964  1,245,964
Net income (loss) $ 2,330,871 $ 178,573 $ (83,067) $ 2,426,377  $ 2,426,377
Loans held for investment $ 102,359,180 $ 12,145,533 $ 31,646,555 $ 146,151,268 $ (49,639,129) $ 96,512,139
Total deposits $ 2,383,902 $ 35,334,610 $ 48,052,380 $ 85,770,892 $  $ 85,770,892
Year Ended December 31, 2005
Total Company National
Lending Local Banking Other(2) Total
Managed Securitization Adjustments(1) Total Reported
Net interest income $ 7,623,855 N/A $ 31,599 $ 7,655,454 $ (3,975,212) $ 3,680,242
Non-interest income 4,364,164 N/A 195,234 4,559,398 1,798,707 6,358,105
Provision for loan and lease losses 3,664,399 N/A 3,178 3,667,577 (2,176,505) 1,491,072
Other non-interest expenses 5,359,758 N/A 358,515 5,718,273  5,718,273
Income tax provision (benefit) 1,036,415 N/A (16,560) 1,019,855  1,019,855
Net income (loss) $ 1,927,447 N/A $ (118,300) $ 1,809,147  $ 1,809,147
Loans held for investment $ 89,222,031 N/A $ 16,305,460 $ 105,527,491 $ (45,679,810) $ 59,847,681
Year Ended December 31, 2007
National Lending sub-segment detail U.S. Card Auto
Finance
Global
Financial
Services
Total
National
Lending
Net interest income $ 5,242,181 $ 1,510,869 $ 2,101,409 $ 8,854,459
Non-interest income 3,643,359 112,261 1,256,479 5,012,099
Provision for loan and lease losses 2,351,966 1,056,120 1,283,693 4,691,779
Non-interest expenses 3,307,576 618,568 1,619,754 5,545,898
Income tax provision 1,109,743 (17,736) 155,066 1,247,073
Net income (loss) $ 2,116,255 $ (33,822) $ 299,375 $ 2,381,808
Loans held for investment $ 52,078,847 $ 25,128,352 $ 29,301,244 $ 106,508,443
Year Ended December 31, 2006
National Lending sub-segment detail U.S. Card Auto
Finance
Global
Financial
Services
Total
National
Lending
Net interest income $ 4,715,798 $ 1,372,517 $ 1,817,871 $ 7,906,186
Non-interest income 3,255,681 81,384 1,187,087 4,524,152
Provision for loan and lease losses 1,644,619 494,835 1,068,395 3,207,849
Non-interest expenses 3,521,627 599,807 1,509,666 5,631,100
Income tax provision 981,833 125,740 152,945 1,260,518
Net income $ 1,823,400 $ 233,519 $ 273,952 $ 2,330,871
Loans held for investment $ 53,623,680 $ 21,751,827 $ 26,983,673 $ 102,359,180