Capital One 2005 Annual Report Download - page 66

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TABLE E—DELINQUENCIES
Table E shows the Company’s loan delinquency trends for the periods presented on a reported and managed
basis.
As of December 31
2005 2004 2003 2002(1) 2001
(Dollars in
thousands) Loans
%of
Total
Loans Loans
%of
Total
Loans Loans
%of
Total
Loans Loans
%of
Total
Loans Loans
%of
Total
Loans
Reported:
Loans outstanding $ 59,847,681 100.00% $38,215,591 100.00% $32,850,269 100.00% $27,343,930 100.00% $20,921,014 100.00%
Loans delinquent:
30-59 days 1,055,027 1.76% 741,723 1.94% 755,930 2.30% 762,040 2.79% 494,871 2.37%
60-89 days 401,640 0.67% 313,559 0.82% 362,766 1.10% 373,451 1.37% 233,206 1.11%
90-119 days 230,780 0.39% 196,457 0.51% 207,353 0.63% 238,091 0.87% 144,957 0.69%
120-149 days 104,817 0.18% 120,589 0.32% 149,246 0.45% 174,651 0.64% 85,580 0.41%
150 or more days 86,744 0.14% 99,866 0.26% 98,164 0.31% 125,636 0.45% 53,943 0.26%
Total $ 1,879,008 3.14% $ 1,472,194 3.85% $ 1,573,459 4.79% $ 1,673,869 6.12% $ 1,012,557 4.84%
Loans delinquent
by geographic
area:
Domestic 1,789,926 3.20% 1,380,022 4.05% 1,509,370 5.06% 1,611,650 6.56% 930,077 5.02%
International 89,082 2.28% 92,172 2.04% 64,089 2.13% 62,219 2.25% 82,480 3.47%
Managed:
Loans outstanding $105,527,491 100.00% $79,861,299 100.00% $71,244,796 100.00% $59,746,537 100.00% $45,263,963 100.00%
Loans delinquent:
30-59 days 1,620,075 1.54% 1,299,782 1.63% 1,335,231 1.87% 1,366,072 2.29% 934,681 2.06%
60-89 days 740,917 0.70% 664,629 0.83% 718,247 1.01% 753,735 1.26% 502,959 1.11%
90-119 days 498,927 0.47% 479,404 0.60% 488,471 0.69% 526,710 0.88% 353,750 0.78%
120-149 days 309,587 0.29% 336,924 0.42% 365,971 0.51% 394,721 0.66% 251,434 0.56%
150 or more days 254,314 0.24% 273,339 0.34% 270,009 0.38% 304,156 0.51% 198,823 0.44%
Total $ 3,423,820 3.24% $ 3,054,078 3.82% $ 3,177,929 4.46% $ 3,345,394 5.60% $ 2,241,647 4.95%
(1) 2002 reported and managed delinquency rates include 28 basis point and 13 basis point increases, respectively, related to the one-time
impact of the 2002 change in recoveries assumption.
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