The following tables present our business segment results for the three and nine months ended September 30, 2014 and 2013, selected balance sheet data as of September 30, 2014 and 2013, and a reconciliation of our total business segment results to our reported consolidated income from continuing operations, assets and deposits. Prior period amounts have been recast to conform to the current period.

Table 13.1: Segment Results and Reconciliation



	Three Months Ended September 30, 2014
(Dollars in millions)	Credit Card		Consumer Banking		Commercial Banking⁽¹⁾		Other⁽¹⁾			Consolidated Total⁽¹⁾
Net interest income	$	2,627	$	1,425	$	439	$	6		$	4,497
Non-interest income	846		179		122		(5		)	1,142
Total net revenue	3,473		1,604		561		1			5,639
Provision (benefit) for credit losses	787		198		9		(1		)	993
Non-interest expense:
Amortization of intangibles:
PCCR intangible amortization	90		0		0		0			90
Core deposit intangible amortization	0		26		5		0			31
Total PCCR and core deposit intangible amortization	90		26		5		0			121
Other non-interest expense	1,640		930		263		31			2,864
Total non-interest expense	1,730		956		268		31			2,985
Income (loss) from continuing operations before income taxes	956		450		284		(29		)	1,661
Income tax provision (benefit)	332		161		102		(59		)	536
Income from continuing operations, net of tax	$	624	$	289	$	182	$	30		$	1,125
Period-end total loans held for investment	$	80,631	$	71,061	$	49,788	$	112		$	201,592
Period-end total deposits	0		167,624		31,918		4,722			204,264

	Three Months Ended September 30, 2013
(Dollars in millions)	Credit Card		Consumer Banking		Commercial Banking⁽¹⁾		Other⁽¹⁾			Consolidated Total⁽¹⁾
Net interest income (expense)	$	2,757	$	1,481	$	424	$	(102	)	$	4,560
Non-interest income	834		184		87		(14		)	1,091
Total net revenue (loss)	3,591		1,665		511		(116		)	5,651
Provision (benefit) for credit losses	617		202		31		(1		)	849
Non-interest expense:
Amortization of intangibles:
PCCR intangible amortization	106		0		0		0			106
Core deposit intangible amortization	0		34		6		0			40
Total PCCR and core deposit intangible amortization	106		34		6		0			146
Other non-interest expense	1,798		893		222		50			2,963
Total non-interest expense	1,904		927		228		50			3,109
Income (loss) from continuing operations before income taxes	1,070		536		252		(165		)	1,693
Income tax provision (benefit)	376		191		90		(82		)	575
Income (loss) from continuing operations, net of tax	$	694	$	345	$	162	$	(83	)	$	1,118
Period-end total loans held for investment	$	77,967	$	71,285	$	42,399	$	163		$	191,814
Period-end total deposits	0		168,437		30,592		7,805			206,834



	Nine Months Ended September 30, 2014
(Dollars in millions)	Credit Card		Consumer Banking		Commercial Banking⁽¹⁾			Other⁽¹⁾			Consolidated Total⁽¹⁾
Net interest income (expense)	$	7,613	$	4,289	$	1,296		$	(36	)	$	13,162
Non-interest income	2,470		499		318			28			3,315
Total net revenue (loss)	10,083		4,788		1,614			(8		)	16,477
Provision (benefit) for credit losses	1,894		481		61			(4		)	2,432
Non-interest expense:
Amortization of intangibles:
PCCR intangible amortization	282		0		0			0			282
Core deposit intangible amortization	0		84		16			0			100
Total PCCR and core deposit intangible amortization	282		84		16			0			382
Other non-interest expense	4,893		2,740		774			107			8,514
Total non-interest expense	5,175		2,824		790			107			8,896
Income (loss) from continuing operations before income taxes	3,014		1,483		763			(111		)	5,149
Income tax provision (benefit)	1,054		530		273			(161		)	1,696
Income from continuing operations, net of tax	$	1,960	$	953	$	490		$	50		$	3,453
Period-end total loans held for investment	$	80,631	$	71,061	$	49,788		$	112		$	201,592
Period-end total deposits	0		167,624		31,918			4,722			204,264

	Nine Months Ended September 30, 2013
(Dollars in millions)	Credit Card		Consumer Banking		Commercial Banking⁽¹⁾			Other⁽¹⁾			Consolidated Total⁽¹⁾
Net interest income (expense)	$	8,391	$	4,437	$	1,227		$	(372	)	$	13,683
Non-interest income	2,487		554		264			(148		)	3,157
Total net revenue (loss)	10,878		4,991		1,491			(520		)	16,840
Provision (benefit) for credit losses	2,073		444		(18		)	(3		)	2,496
Non-interest expense:
Amortization of intangibles:
PCCR intangible amortization	332		0		0			0			332
Core deposit intangible amortization	0		106		21			0			127
Total PCCR and core deposit intangible amortization	332		106		21			0			459
Other non-interest expense	5,239		2,621		656			143			8,659
Total non-interest expense	5,571		2,727		677			143			9,118
Income (loss) from continuing operations before income taxes	3,234		1,820		832			(660		)	5,226
Income tax provision (benefit)	1,135		648		296			(332		)	1,747
Income (loss) from continuing operations, net of tax	$	2,099	$	1,172	$	536		$	(328	)	$	3,479
Period-end total loans held for investment	$	77,967	$	71,285	$	42,399		$	163		$	191,814
Period-end total deposits	0		168,437		30,592			7,805			206,834

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⁽¹⁾	In the first quarter of 2014, we adopted the proportional amortization method of accounting for Investments in Qualified Affordable Housing Projects. See “Note 1—Summary of Significant Accounting Policies” for expanded discussion. Prior periods have been recast to conform to this presentation.