
		Three Months Ended Nov 30												Nine Months Ended Nov 30
(In millions)		2011		%	⁽¹	⁾		2010		%	⁽¹	⁾		2011		%	⁽¹	⁾		2010		%	⁽¹	⁾
Interest margin:
Interest and fee income	$	114.3			9.6		$	106.8			10.0		$	334.0			9.7		$	314.1			10.0
Interest expense		(25.6	)		(2.2	)		(33.0	)		(3.1	)		(80.3	)		(2.3	)		(103.4	)		(3.3	)
Total interest margin		88.7			7.4			73.8			6.9			253.7			7.4			210.7			6.7
Provision for loan losses		(15.1	)		(1.3	)		(8.6	)		(0.8	)		(24.9	)		(0.7	)		(18.5	)		(0.6	)
Total interest margin after
provision for loan losses		73.6			6.2			65.2			6.1			228.8			6.7			192.2			6.1

Other income:
Servicing fee income		0			0			0			0			0			0			0.9			0
Interest income on retained interest
in securitized receivables		0			0			0			0			0			0			1.6			0.1
Other gain		0.3			0			1.8			0.2			1.4			0			4.3			0.1
Total other income		0.3			0			1.8			0.2			1.4			0			6.8			0.2

Direct expenses:
Payroll and fringe benefit expense		(5.1	)		(0.4	)		(5.1	)		(0.5	)		(15.5	)		(0.5	)		(15.4	)		(0.5	)
Other direct expenses		(6.2	)		(0.5	)		(6.2	)		(0.6	)		(18.6	)		(0.5	)		(17.8	)		(0.6	)
Total direct expenses		(11.3	)		(0.9	)		(11.3	)		(1.1	)		(34.1	)		(1.0	)		(33.2	)		(1.1	)
CarMax Auto Finance income	$	62.6			5.3		$	55.7			5.2		$	196.1			5.7		$	165.8			5.3

Total average managed receivables,
principal only	$	4,770.9					$	4,285.3					$	4,585.1					$	4,204.6

⁽¹⁾Annualized percent of total average managed receivables, principal only.