Discover 2011 Annual Report Download - page 63

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51
Average Balance Sheet Reconciliation
Average restricted cash
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Average investment securities
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Average credit card loan receivables
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Average total loan receivables
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Average other interest-earning assets
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Average total interest-earning assets
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Average allowance for loan losses
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Average other assets (non-interest bearing)
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Average total assets
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Average securitized borrowings
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Average total borrowings
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Average total interest-bearing liabilities
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
For the Year Ended November 30, 2009
Average
Balances
(dollars in thousands)
$—
2,438,438
$ 2,438,438
$ 1,581,387
(1,096,270)
$ 485,117
$ 24,266,782
24,577,543
$ 48,844,325
$ 26,552,574
24,577,543
$ 51,130,117
$ 2,338,438
(2,338,438)
$—
$ 39,989,758
23,581,273
$ 63,571,031
$ (1,808,493)
(1,741,736)
$ (3,550,229)
$ 4,053,270
(913,561)
$ 3,139,709
$ 42,234,535
20,925,976
$ 63,160,511
$—
22,720,700
$ 22,720,700
$ 2,486,187
22,720,700
$ 25,206,887
$ 31,609,777
22,720,700
$ 54,330,477
Interest
Income/
Expense
$—
18,195
$ 18,195
$ 68,694
(43,464)
$ 25,230
$ 2,835,767
3,333,536
$ 6,169,303
$ 3,004,284
3,333,536
$ 6,337,820
$ 18,195
(18,195)
$—
$ 3,145,080
3,290,072
$ 6,435,152
$—
354,215
$ 354,215
$ 64,200
354,215
$ 418,415
$ 1,251,284
354,215
$ 1,605,499
Yield
—%
0.75
0.75%
4.34%
0.86
5.20%
11.69%
0.94
12.63%
11.31%
1.09
12.40%
0.78%
(0.78)
—%
7.86%
2.26
10.12%
—%
1.56
1.56%
2.58%
(0.92)
1.66%
3.96%
(1.00)
2.96%
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