Capital One 2006 Annual Report Download - page 119

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101
Regulatory
Filing
Basis
Ratios
Applying
Subprime
Guidance
Ratios
Minimum for Capital
Adequacy Purposes
To Be Well Capitalized
Under
Prompt Corrective Action
Provisions
December 31, 2006
Capital One Financial
Corp.(1)
Tier 1 Capital 10.22% 9.36% 4.00% N/A
Total Capital 13.27 12.26 8.00 N/A
Tier 1 Leverage 12.35 12.35 4.00 N/A
Capital One Bank
Tier 1 Capital 12.30% 9.38% 4.00% 6.00%
Total Capital 15.94 12.39 8.00 10.00
Tier 1 Leverage 11.56 11.56 4.00 5.00
Capital One, F.S.B.
Tier 1 Capital 13.01% 10.66% 4.00% 6.00%
Total Capital 14.29 11.93 8.00 10.00
Tier 1 Leverage 13.28 13.28 4.00 5.00
Capital One, N.A.
Tier 1 Capital 11.05% N/A 4.00% 6.00%
Total Capital 12.04 N/A 8.00 10.00
Tier 1 Leverage 7.61 N/A 4.00 5.00
North Fork Bank
Tier 1 Capital 11.21% N/A 4.00% 6.00%
Total Capital 12.11 N/A 8.00 10.00
Tier 1 Leverage 8.09 N/A 4.00 5.00
Superior Bank
Tier 1 Capital 12.28% N/A 4.00% 6.00%
Total Capital 12.60 N/A 8.00 10.00
Tier 1 Leverage 6.16 N/A 4.00 5.00
December 31, 2005
Capital One Financial
Corp.(1)
Tier 1 Capital 13.25% 11.86% 4.00% N/A
Total Capital 15.44 13.94 8.00 N/A
Tier 1 Leverage 14.21 14.21 4.00 N/A
Capital One Bank
Tier 1 Capital 13.54% 10.64% 4.00% 6.00%
Total Capital 17.41 13.90 8.00 10.00
Tier 1 Leverage 11.35 11.35 4.00 5.00
Capital One, F.S.B.
Tier 1 Capital 13.11% 11.13% 4.00% 6.00%
Total Capital 14.39 12.40 8.00 10.00
Tier 1 Leverage 12.73 12.73 4.00 5.00
Capital One, N.A.
Tier 1 Capital 10.46% N/A 4.00% 6.00%
Total Capital 11.64 N/A 8.00 10.00
Tier 1 Leverage 7.76 N/A 4.00 5.00
(1) The regulatory framework for prompt corrective action is not applicable for bank holding companies.
The Bank and Savings Bank treat a portion of their loans as subprime under the Expanded Guidance for Subprime
Lending Programs (the Subprime Guidelines) issued by the four federal banking agencies that comprise the Federal
Financial Institutions Examination Council (FFIEC), and have assessed their capital and allowance for loan losses