The following table presents information about the reportable segments: Treasury and Commercial Retail Investments Corporate Total (In thousands) For the year ended December 31, 2001: Interest income $ 217,021 $ 162,478 $ 136,757 $ 516,256 Net (charge) credit for transfer of funds (21,043 102,123 (81,081 Interest expense (71,410 (208,791 (280,201 Net interest income  124,568 55,810 55,676 236,055 Provision for loan losses (44,541 (16,489 (61,030 Segment income 80,027 55,810 39,187 175,025 Average earning assets $1,970,768 $2,627,205 $1,781,314 $6,379,287 For the year ended December 31, 2000: Interest income $ 222,950 $ 134,328 $ 106,110 $ 463,388 Net (charge) credit for transfer of funds (12,582 85,013 (72,431 Interest expense (74,093 (198,522 (272,615 Net interest income  136,275 20,819 33,679 190,773 Provision for loan losses (28,084 (17,635 (45,719 Segment income 108,191 20,819 16,044 145,054 Average earning assets $1,893,699 $1,985,580 $1,110,608 $4,989,887 For the year ended December 31, 1999: Interest income $ 186,224 $ 108,332 $ 74,508 $ 369,063 Net (charge) credit for transfer of funds (4,018 48,737 (44,719 Interest expense (58,665 (124,665 (183,330 Net interest income  123,541 32,404 29,789 185,733 Provision for loan losses (46,802 (1,159 (47,960 Segment income 76,739 32,404 28,630 137,773 Average earning assets $1,462,311 $1,726,719 $815,569 $4,004,599 ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) The following table presents a reconciliation of the reportable segment financial information to the consolidated totals: Year ended December 31, 2001 2000 1999 (In thousands) Net income: Total income for segments $ 175,025 $ 145,054 $ 137,773 Other income 52,980 50,032 32,862 Operating expenses  (120,855 (113,049 (101,272 Income taxes (20,134 (14,761 (7,288 Income before cumulative effect of  accounting change 87,016 67,276 62,075 Cumulative effect of accounting change (1,015 Total consolidated net income $ 86,001 $ 67,276 $ 62,075 Average assets: Total average earning assets for segments $6,379,287 $4,989,887 $4,004,599 Average assets not assigned to segments 322,115 249,489 168,182 Total consolidated average assets $6,701,402 $5,239,376 $4,172,781 ) ) ) ) ) ) ) 0 79 First BanCorp.> 2001