Cons olidat ed Statements of Income Year Ended December 31 (In Thousands, Except Per Share Data) 2002 2001 2000 Interest Income: Consumer loans, including past-due fees $ 3,868,664 $ 2,729,519 $ 2,350,771  Securities available for sale 184,407 138,188 96,554  Other 127,695  53,442  6,574  Total interest income 4,180,766 2,921,149  2,453,899  Interest Expense: Deposits 811,889 640,470  324,008  Senior notes 422,529 357,495  274,975  Other borrowings 227,236 173,042  202,034  Total interest expense 1,461,654 1,171,007  801,017  Net interest income 2,719,112 1,750,142  1,652,882  Provision for loan losses 2,149,328 1,120,457  812,861  Net interest income after provision for loan losses 569,784 629,685  840,021  Non-Interest Income: Servicing and securitizations 2,805,501 2,441,144  1,152,375  Service charges and other customer-related fees 1,937,735 1,536,338  1,646,588  Interchange 447,747 379,797  237,777  Other 275,853 106,483  28,370  Total non-interest income 5,466,836 4,463,762  3,065,110  Non-Interest Expense: Salaries and associate benefits 1,557,887 1,392,072  1,023,367  Marketing 1,070,624 1,082,979  906,147  Communications and data processing 406,071  327,743  296,255  Supplies and equipment 357,953 310,310  252,937  Occupancy 205,531 136,974  112,667  Other 987,515 807,949  556,284  Total non-interest expense 4,585,581 4,058,027  3,147,657  Income before income taxes 1,451,039 1,035,420  757,474  Income taxes 551,395 393,455  287,840  Net income $ 899,644 $ 641,965  $ 469,634  Basic earnings per share $ 4.09 $ 3.06  $ 2.39  Diluted earnings per share $ 3.93 $ 2.91  $ 2.24  Dividends paid per share $ 0.11 $ 0.11  $ 0.11  See Notes to Consolidated Financial Statements. 49