Discover 2011 Annual Report Download - page 64

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52
Average other liabilities and stockholders' equity (non-interest earning)
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Average total liabilities and stockholders' equity
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Net interest margin
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Net yield on interest-earning assets
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Interest rate spread
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Amortization of balance transfer fees in interest income on credit card loans
(dollars in millions)
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
For the Year Ended
November 30, 2009
Average Balances
(dollars in thousands,
except where noted)
$ 10,624,758
(1,794,724)
$ 8,830,034
$ 42,234,535
20,925,976
$ 63,160,511
Ratios and Other
Amounts
7.13%
2.32
9.45%
4.74%
2.86
7.60%
3.90%
3.26
7.16%
$ 128
59
$ 187
Total average loan receivables
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Total loans interest yield
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Total average credit card loan receivables
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
Credit card interest yield
GAAP
Adjustments for Statement No. 167
Non-GAAP As-Adjusted
For the Year Ended November 30,
2008
(dollars in thousands)
$ 21,348,493
27,662,655
$ 49,011,148
10.89%
1.70
12.59%
$ 20,566,864
27,662,655
$ 48,229,519
10.92%
1.71
12.63%
2007
$ 19,947,784
26,965,690
$ 46,913,474
10.73%
1.92
12.65%
$ 19,845,880
26,965,690
$ 46,811,570
10.75%
1.91
12.66%
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