Selected Quarterly Financial Dat a 2002 2001 Fourth Third Second First Fourth Third Second First (Unaudited)Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Summary of Operations: (In Thousands) Interest income $ 1,113,664 $1,108,079 $ 1,024,661 $ 934,361 $ 826,606 $ 743,927 $ 679,154 $ 671,462  Interest expense 382,632  385,650  370,249  323,123 314,838  294,869  287,146  274,154  Net interest income 731,032  722,429  654,412  611,238 511,768  449,058  392,008  397,308  Provision for loan losses 543,758  674,111  541,841  389,617 339,641  262,901  235,417  282,498  Net interest income after provision for loan losses 187,274  48,318  112,571  221,621 172,127  186,157  156,591  114,810  Non-interest income 1,320,322  1,520,178  1,384,812  1,241,524 1,189,015  1,155,421  1,084,255  1,035,071  Non-interest expense 1,121,020  1,151,020  1,153,646  1,159,895 1,074,567  1,074,897  990,316  918,247  Income before income taxes 386,576  417,476  343,737  303,250  286,575  266,681  250,530  231,634  Income taxes 146,899  158,641  130,620  115,235 108,894  101,337  95,203  88,021  Net income $ 239,677 $ 258,835 $ 213,117 $ 188,015 $ 177,681 $ 165,344 $ 155,327 $ 143,613  Per Common Share: Basic earnings $ 1.08 $ 1.17 $ 0.97 $ 0.86 $ 0.83 $ 0.78 $ 0.74 $ 0.70  Diluted earnings 1.05  1.13  0.92  0.83 0.80  0.75  0.70  0.66  Dividends 0.03  0.03  0.03  0.03 0.03  0.03  0.03  0.03  Market prices High 36.50  61.10  66.50  64.91 55.60  67.25  72.58  70.44  Low 25.49  24.05  52.00  43.01 41.00  36.41  51.61  46.90  Average common shares (000s) 221,807  220,564  219,961  217,548 214,718  210,763  209,076  204,792  Average common shares and common equivalent shares (000s) 228,214  228,418  231,684  226,605 223,350  219,897  221,183  217,755  Average Balance Sheet Data: (In Millions) Consumer loans $ 27,766 $ 26,566 $ 25,353 $ 22,405 $ 19,402 $ 17,515 $ 16,666 $ 15,509  Allowance for loan losses (1,596) (1,241) (994) (873) (747)(660) (605)(539) Securities 5,120  4,666  4,216  3,850 3,943  2,977  2,741  2,478  Other assets 5,918  5,479  5,465  4,614  4,382  4,059  3,277  2,907  Total assets $ 37,208 $ 35,470 $ 34,040 $ 29,996 $ 26,980 $ 23,891 $ 22,079 $ 20,355  Interest-bearing deposits $ 17,077 $ 16,520 $ 15,277 $ 13,505 $ 12,237 $ 10,537 $ 9,686 $ 8,996  Other borrowings 6,332  5,631  5,947  4,926 3,496  3,103  2,915  2,442  Senior and deposit notes 5,564  5,719  5,959  5,430 5,389  5,281  4,899  4,679  Other liabilities 3,667  3,182  2,836  2,563 2,635  2,035  1,971  1,891  Stockholder’s equity 4,568  4,418  4,021  3,572 3,223  2,935  2,608  2,347  Total liabilities and stockholders’ equity $ 37,208 $ 35,470 $ 34,040 $ 29,996 $ 26,980 $ 23,891 $ 22,079 $ 20,355  The above schedule is a tabulation of the Company’s unaudited quarterly results for the years ended December 31, 2002 and 2001. The Company’s common shares are traded on the New York Stock Exchange under the symbol COF. In addition, shares may be traded in the over-the-counter stock market. There were 10,227 and 10,065 common stockholders of record as of December 31, 2002 and 2001, respectively. 45