eTrade 2005 Annual Report Download - page 4

Table of Contents
E*TRADE FINANCIAL CORPORATION
FORM 10-K ANNUAL REPORT
For the Year ended December31, 2005
PART I
1
Item1.
Business
1
Overview
1
Products and Services
2
Competition
4
Acquisitions and Dispositions
5
International Operations
5
Regulation
5
Item1A.
Risk Factors
7
Item 1B.
Unresolved Staff Comments
1
4
Item 2.
Properties
1
4
Item 3.
Legal Proceedings
1
4
Item 4.
Submission of Matters To a Vote of Security Holders
1
5
PART II
16
Item 5.
Market for Registrant’s Common Equity, Related Shareholder Matters and Issuer Purchases of Equity
Securities
1
6
Item 6.
Selected Consolidated Financial Data
1
8
Item 7.
Management’s Discussion and Analysis of Financial Condition and Results of Operations
2
0
Forward-Looking Statements
20
Overview
20
Earnings Overview
26
Segment Results Review
35
Balance Sheet Overview
37
Liquidity and Capital Resources
45
Risk Management
48
Summary of Critical Accounting Policies and Estimates
49
Required Financial Data
53
Item 7A.
Quantitative and Qualitative Disclosures about Market Risk
6
1
Item 8.
Financial Statements and Supplementary Data
6
4
Management Report on Internal Control Over Financial Reporting
6
4
Reports of Independent Registered Public Accounting Firm
6
5
Consolidated Balance Sheets
6
7
Consolidated Statements of Income
6
8
Consolidated Statements of Comprehensive Income
6
9
Consolidated Statements of Shareholders’ Equity
7
0
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