Capital One 2008 Annual Report Download - page 116
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98
Year Ended December 31, 2007
Total Company
National
Lending
Local
Banking
Other
Total
Managed
Securitization
Adjustments(1)
Total
Reported
Net interest income ......... $ 8,841,236 $ 2,336,052 $ (157,538 ) $ 11,019,750 $ (4,489,905) $ 6,529,845
Non-interest income........ 4,870,727 939,638 (44,597 ) 5,765,768 2,288,455 8,054,223
Provision for loan and
lease losses ................. 4,691,687 32,178 114,087 4,837,952 (2,201,450) 2,636,502
Restructuring expenses ... 138,237 138,237 138,237
Other non-interest
expenses ..................... 5,420,204 2,333,955 185,614 7,939,773 7,939,773
Income tax provision
(benefit)...................... 1,237,163 316,464 (275,790 ) 1,277,837 1,277,837
Net income (loss)............ 2,362,909 593,093 (364,283 ) 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 $ 73,089,284 $ 7,621,031 $ 82,761,176 $ 82,761,176
Year Ended December 31, 2006
Total Company
National
Lending
Local
Banking
Other(2)
Total
Managed
Securitization
Adjustments(1)
Total
Reported
Net interest income ......... $ 7,896,134 $ 1,006,980 $ 29,578 $ 8,932,692 $ (3,841,246) $ 5,091,446
Non-interest income........ 4,375,126 595,096 (62,942 ) 4,907,280 2,093,744 7,001,024
Provision for loan and
lease losses ................. 3,207,646 602 15,692 3,223,940 (1,747,502) 1,476,438
Other non-interest
expenses ..................... 5,529,104 1,269,868 144,719 6,943,691 6,943,691
Income tax provision
(benefit)...................... 1,240,608 116,062 (110,706 ) 1,245,964 1,245,964
Net income (loss)............ $ 2,293,902 $ 215,544 $ (83,069 ) $ 2,426,376 $ 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 $ 35,187,965 $ 48,052,380 $ 85,624,247 $ $ 85,624,247
Year Ended December 31, 2008
Other National Lending
sub-segments
National Lending
U.S. Card
Other
National
Lending
Auto
Finance
International
Total National
Lending
Net interest income ............................................ $ 6,492,086 $ 2,498,788 $ 1,527,394 $ 971,394 $ 8,990,874
Non-interest income........................................... 4,127,615 609,997 59,235
550,762 4,737,612
Provision for loan and lease losses .................... 5,460,986 1,967,490 1,320,515
646,975 7,428,476
Goodwill impairment......................................... 810,876 810,876
810.876
Other non-interest expenses............................... 3,618,639 1,275,259 503,942
771,317 4,893,898
Income tax provision (benefit)........................... 539,026 (53,761) (89,759) 35,998 485,265
Net income (loss)............................................... $ 1,001,050 $ (891,079) $ (958,945) $ 67,866 $ 109,971
Loans held for investment.................................. $ 70,944,581 $ 30,202,553 $ 21,481,911 $ 8,720,642 101,147,134