Capital One 2009 Annual Report Download - page 99
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86
XI. Tabular Summary
TABLE A—STATEMENTS OF AVERAGE BALANCES, INCOME AND EXPENSE, YIELDS AND RATES
Table A provides average balance sheet data and an analysis of net interest income, net interest spread (the difference between the yield on earning assets and the cost of interest-
bearing liabilities) and net interest margin for the years ended December 31, 2009, 2008 and 2007.
Year Ended December 31
2009 2008(2) 2007(2)
(Dollars in Thousands)
Average
Balance Income/
Expense Yield/
Rate Average
Balance
Income/
Expense Yield/
Rate Average
Balance Income/
Expense Yield/
Rate
Assets:
Earning assets
Consumer loans
(
1
)
..................................................
.
Domestic ......................................................
.
$ 67,160,791 $ 6,889,210 10.26% $ 66,811,204 $ 7,303,951 10.93% $ 65,164,148 $ 7,366,449 11.30%
International.................................................
.
2,612,702 347,803 13.31% 3,445,986 444,691 12.90% 3,474,326 436,368 12.56%
Total consumer loans ...................................
.
$ 69,773,493 $ 7,237,013 10.37% $ 70,257,190 $ 7,748,642 11.03% $ 68,638,474 $ 7,802,817 11.37%
Commercial loans ..................................................
.
30,013,792 1,520,053 5.06% 28,713,713 1,711,736 5.96% 24,903,351 1,697,311 6.82%
Total loans held for investment ..............................
.
$ 99,787,285 $ 8,757,066 8.78% $ 98,970,903 $ 9,460,378 9.56% $ 93,541,825 $ 9,500,128 10.16%
Investment securities ..............................................
.
36,909,873 1,610,210 4.36% 25,042,506 1,224,012 4.89% 18,933,750 950,972 5.02%
Other ......................................................................
.
Domestic ................................................................
.
7,489,350 290,200 3.87% 8,030,295 406,240 5.06% 7,792,357 573,158 7.36%
International ...........................................................
.
1,106,501 7,109 0.64% 1,039,940 21,369 2.05% 1,152,497 53,898 4.68%
Total ............................................................
.
$ 8,595,851 $ 297,309 3.46% $ 9,070,235 $ 427,609 4.71% $ 8,944,854 $ 627,056 7.01%
Total earning assets
(
3
)
......................................................
.
$ 145,293,009 $ 10,664,585 7.34% $ 133,083,644 $ 11,111,999 8.35% $ 121,420,429 $ 11,078,156 9.12%
Cash and due from banks
(
3
)
..............................................
.
3,475,932 2,127,961 2,112,587
Allowance for loan and lease losses
(
3
)
.............................
.
(4,470,247 ) (3,266,768) (2,182,667)
Premises and equipment, net
(
3
)
........................................
.
2,718,297 2,317,383 2,250,117
Other
(
3
)
.............................................................................
.
24,556,589 21,964,147 21,398,626
Total assets from discontinued operations ........................
.
24,033 65,161 3,984,100
Total assets .......................................................................
.
$ 171,597,613 $ 156,291,528 $ 148,983,192
Liabilities and Equity:
Interest-bearing liabilities
Deposits .................................................................
.
Domestic ......................................................
.
$ 102,337,209 $ 2,069,558 2.02% $ 79,293,788 $ 2,422,532 3.06% $ 71,447,121 $ 2,781,662 3.89%
International.................................................
.
740,999 23,461 3.17% 3,441,839 89,508 2.60% 2,317,790 124,689 5.38%
Total deposits ..............................................
.
$ 103,078,208 $ 2,093,019 2.03% $ 82,735,627 $ 2,512,040 3.04% $ 73,764,911 $ 2,906,351 3.94%
Senior and subordinated notes................................
.
8,607,599 260,282 3.02% 8,881,491 444,854 5.01% 9,840,074 577,128 5.87%
Other borrowings ...................................................
.
Domestic ......................................................
.
$ 13,455,842 $ 603,152 4.48% $ 21,399,280 $ 993,901 4.64% $ 19,171,300 $ 1,050,546 5.48%
International.................................................
.
1,441,489 11,017 0.76% 815,706 12,489 1.53% 1,090,149 14,286 1.31%
Total other borrowings ................................
.
$ 14,897,331 $ 614,169 4.12% $ 22,214,986 $ 1,006,390 4.53% $ 20,261,449 $ 1,064,832 5.26%
Total interest-bearing liabilities
(
3
)
....................................
.
$ 126,583,138 $ 2,967,470 2.34% $ 113,832,104 $ 3,963,284 3.48% $ 103,866,434 $ 4,548,311 4.38%
N
on-interest bearing deposits
(
3
)
.......................................
.
12,522,536 10,772,019 11,446,706
Other
(
3
)
.............................................................................
.
5,737,178 6,261,090 5,349,568