Charles Schwab 2015 Annual Report Download - page 135

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THE CHARLES SCHWAB CORPORATION
Supplemental Financial Data for Charles Schwab Bank (Unaudited)
(Dollars in Millions)
F-4
2. Analysis of Change in Net Interest Revenue
An analysis of the year-to-year changes in the categories of interest revenue and interest expense resulting from changes in
volume and rate is as follows:
2015 Compared to 2014 2014 Compared to 2013
Increase (Decrease) Due to Increase (Decrease) Due to
Change in: Change in:
Average Average Average Average
Volume Rate Total Volume Rate Total
Interest-earning assets:
Cash and cash equivalents (1) $ 6 $ 1 $ 7 $ - $ - $ -
Securities available for sale (2) 102 (25) 77 33 (44) (11)
Securities held to maturity 147 (22) 125 182 36 218
Bank loans (3) 29 (14) 15 32 (7) 25
Other interest-earning assets (1) - (1) - 4 4
Total interest-earning assets $ 283 $ (60) $ 223 $ 247 $ (11) $ 236
Interest-bearing sources of funds:
Interest-bearing banking deposits $ 5 $ (6) $ (1) $ 4 $ (5) $ (1)
Total sources on which interest is paid $ 5 $ (6) $ (1) $ 4 $ (5) $ (1)
Change in net interest revenue $ 278 $ (54) $ 224 $ 243 $ (6) $ 237
Changes that are not due solely to volume or rate have been allocated to rate.
(1) Includes deposits with banks and short-term investments.
(2) Amounts have been calculated based on amortized cost.
(3) Includes average principal balances of nonaccrual loans.