Capital One 2011 Annual Report Download - page 77

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(1) Certain prior period amounts have been reclassified to conform to the current period presentation.
(2) Past due fees included in interest income totaled approximately $1.1 billion, $1.1 billion and $652 million for 2011, 2010
and 2009, respectively.
(3) Interest income on credit card, auto, home and retail banking loans is reflected in consumer loans. Interest income
generated from small business credit cards also is included in consumer loans.
(4) In the first quarter of 2011, we revised previously reported interest income on interest-earning assets and average yield
on loans held for investment for 2010 to conform to the internal management accounting methodology used in our
segment reporting. The interest income and average loan yields presented reflect this revision. The previously reported
interest income and average yields for 2010 were as follows: domestic consumer loans ($11.4 billion and 12.51%); total
consumer loans ($12.7 billion and 12.79%); and commercial loans ($1.3 billion and 4.32%).
(5) The U.K. deposit business, which was included in international deposits, was sold during the third quarter of 2009.
(6) Includes a reduction of $2.9 billion recorded on January 1, 2010, in conjunction with the adoption of the new
consolidation accounting guidance.
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