Capital One 2012 Annual Report Download - page 307
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Year Ended December 31,
2010 2009
(Dollars in millions)(unaudited)
Average
Balance
Interest
Income/
Expense
Yield/
Rate
Average
Balance
Interest
Income/
Expense
Yield/
Rate
Non-GAAP managed basis
Interest-earning assets:
Loans held for investment .................. $168,111 $15,284 9.09% $180,424 $16,045 8.89%
Other .................................. 7,704 77 0.99 5,552 68 1.22
Total interest-earning assets .................... 175,815 15,361 8.74 185,976 $16,113 8.66
Interest-bearing liabilities:
Securitization liability ..................... 34,264 813 2.37 46,616 $ 1,339 2.87
Total interest-bearing liabilities ................. 154,443 2,900 1.88 167,700 $ 4,024 2.40
Net interest income/spread ..................... $12,461 6.86% $12,089 6.26%
Interest income to average interest-earning assets . . . 8.74% 8.66%
Interest expense to average interest-earning assets . . . 1.65% 2.16
Net interest margin ........................... 7.09% 6.50%
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