Cons olidat ed Balance Sheets See Notes to Consolidated Financial Statements. 48 December 31 (In Thousands, Except Per Share Data) 2002 2001 Assets: Cash and due from banks $ 277,509 $ 355,680  Federal funds sold and resale agreements 373,828 19,802  Interest-bearing deposits at other banks 267,441 331,756  Cash and cash equivalents 918,778 707,238  Securities available for sale 4,423,677 3,115,891  Consumer loans 27,853,652 20,921,014  Less: Allowance for loan losses (1,720,000) (840,000) Net loans 26,133,652 20,081,014  Accounts receivable from securitizations 3,096,827 2,452,548  Premises and equipment, net 770,326 759,683  Interest receivable 217,512 105,459  Other 1,821,608 962,214  Total assets $ 37,382,380 $ 28,184,047  Liabilities: Interest-bearing deposits $ 17,325,965 $ 12,838,968  Senior notes 5,565,615 5,335,229  Other borrowings 6,365,075 3,995,528  Interest payable 236,081 188,160  Other 3,266,473 2,502,684  Total liabilities 32,759,209 24,860,569  Commitments and Contingencies Stockholders’ Equity: Preferred stock, par value $.01 per share; authorized 50,000,000 shares, none issued or outstanding - - Common stock, par value $.01 per share; authorized 1,000,000,000 shares, 227,073,162 and 217,656,985 issued as of December 31, 2002 and 2001, respectively 2,271  2,177  Paid-in capital, net 1,704,470 1,350,108  Retained earnings 2,966,948 2,090,761  Cumulative other comprehensive loss (15,566) (84,598) Less: Treasury stock, at cost; 878,206 and 878,720 shares as of December 31, 2002 and 2001, respectively (34,952) (34,970) Total stockholders’ equity 4,623,171 3,323,478  Total liabilities and stockholders’ equity $ 37,382,380 $ 28,184,047 