Discover 2011 Annual Report Download - page 62
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50
Charge-offs
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Recoveries
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Net charge-offs
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Allowance for loan losses (end of period)
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Net charge-offs %
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Delinquencies (over 30 Days)
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Delinquencies (over 90 Days)
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Delinquency Rate (over 30 days)
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Delinquency Rate (over 90 days)
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Restructured loans (A)
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Delinquency Rate (Restructured Loans) (A)
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
As of and for the Year Ended November 30,
2009
(dollars in thousands)
$ (2,096,573)
(2,208,036)
$ (4,304,609)
$ 185,616
212,100
$ 397,716
$ (1,910,957)
(1,995,936)
$ (3,906,893)
$ 1,647,086
2,144,461
$ 3,791,547
7.87%
0.13
8.00%
$ 1,117,227
1,539,462
$ 2,656,689
$ 698,610
694,864
$ 1,393,474
5.52%
0.08
5.60%
2.92%
0.02
2.94%
$ 72,924
145,258
$ 218,182
0.31%
0.15
0.46%
2008
$ (1,139,176)
(1,713,409)
$ (2,852,585)
$ 165,694
240,422
$ 406,116
$ (973,482)
(1,472,987)
$ (2,446,469)
$ 1,317,811
1,379,772
$ 2,697,583
4.73%
0.34
5.07%
$ 1,082,942
1,233,581
$ 2,316,523
$ 594,325
508,241
$ 1,102,566
4.55%
0.11
4.66%
2.16%
0.06
2.22%
$—
—
$—
—%
—
—%
2007
$ (837,210)
(1,366,949)
$ (2,204,159)
$ 160,202
247,439
$ 407,641
$ (677,008)
(1,119,510)
$ (1,796,518)
$ 750,786
971,730
$ 1,722,516
3.41%
0.43
3.84%
$ 675,508
1,044,014
$ 1,719,522
$ 380,339
424,075
$ 804,414
3.28%
0.31
3.59%
1.53%
0.15
1.68%
$—
—
$—
—%
—
—%
(A) Data not available for the years ended November 30, 2008 and 2007.
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