The following tables present our business segment results for the years ended December 31, 2014, 2013 and 2012, selected balance sheet data as of December 31, 2014, 2013 and 2012, 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 19.1: Segment Results and Reconciliation



	Year Ended December 31, 2014
(Dollars in millions)	Credit Card		Consumer Banking		Commercial Banking⁽¹⁾		Other⁽¹⁾			Consolidated Total⁽¹⁾
Net interest income	$	10,310	$	5,748	$	1,751	$	9		$	17,818
Non-interest income	3,311		684		450		27			4,472
Total net revenue	13,621		6,432		2,201		36			22,290
Provision (benefit) for credit losses	2,750		703		93		(5		)	3,541
Non-interest expense:
Amortization of intangibles:
PCCR intangible amortization	369		0		0		0			369
Core deposit intangible amortization	0		108		21		0			129
Total PCCR and core deposit intangible amortization	369		108		21		0			498
Other non-interest expense	6,694		3,761		1,062		165			11,682
Total non-interest expense	7,063		3,869		1,083		165			12,180
Income (loss) from continuing operations before income taxes	3,808		1,860		1,025		(124		)	6,569
Income tax provision (benefit)	1,329		665		366		(214		)	2,146
Income from continuing operations, net of tax	$	2,479	$	1,195	$	659	$	90		$	4,423
Loans held for investment	$	85,876	$	71,439	$	50,890	$	111		$	208,316
Deposits	0		168,078		31,954		5,516			205,548



	Year Ended December 31, 2013
(Dollars in millions)	Credit Card		Consumer Banking		Commercial Banking⁽¹⁾			Other⁽¹⁾			Consolidated Total⁽¹⁾
Net interest income (expense)	$	10,967	$	5,905	$	1,674		$	(440	)	$	18,106
Non-interest income	3,320		749		395			(186		)	4,278
Total net revenue (loss)	14,287		6,654		2,069			(626		)	22,384
Provision (benefit) for credit losses	2,824		656		(24		)	(3		)	3,453
Non-interest expense:
Amortization of intangibles:
PCCR intangible amortization	434		0		0			0			434
Core deposit intangible amortization	0		138		27			0			165
Total PCCR and core deposit intangible amortization	434		138		27			0			599
Other non-interest expense	7,005		3,607		931			211			11,754
Total non-interest expense	7,439		3,745		958			211			12,353
Income (loss) from continuing operations before income taxes	4,024		2,253		1,135			(834		)	6,578
Income tax provision (benefit)	1,409		802		404			(391		)	2,224
Income (loss) from continuing operations, net of tax	$	2,615	$	1,451	$	731		$	(443	)	$	4,354
Loans held for investment	$	81,305	$	70,762	$	45,011		$	121		$	197,199
Deposits	0		167,652		30,567			6,304			204,523


	Year Ended December 31, 2012
(Dollars in millions)	Credit Card		Consumer Banking		Commercial Banking⁽¹⁾			Other⁽¹⁾			Consolidated Total⁽¹⁾
Net interest income (expense)	$	10,182	$	5,788	$	1,551		$	(932	)	$	16,589
Non-interest income	3,078		782		340			607			4,807
Total net revenue (loss)	13,260		6,570		1,891			(325		)	21,396
Provision (benefit) for credit losses	4,061		589		(270		)	35			4,415
Non-interest expense:
Amortization of intangibles:
PCCR intangible amortization	350		0		0			0			350
Core deposit intangible amortization	0		159		34			0			193
Total PCCR and core deposit intangible amortization	350		159		34			0			543
Other non-interest expense	6,504		3,712		876			162			11,254
Total non-interest expense	6,854		3,871		910			162			11,797
Income (loss) from continuing operations before income taxes	2,345		2,110		1,251			(522		)	5,184
Income tax provision (benefit)	815		747		441			(528		)	1,475
Income from continuing operations, net of tax	$	1,530	$	1,363	$	810		$	6		$	3,709
Loans held for investment	$	91,755	$	75,127	$	38,820		$	187		$	205,889
Deposits	0		172,396		29,866			10,223			212,485

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⁽¹⁾	As of January 1, 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.