Capital One 2006 Annual Report Download - page 79
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61
TABLE EDELINQUENCIES
Table E shows the Companys loan delinquency trends for the periods presented on a reported and managed basis.
As of December 31
2006 2005 2004 2003 2002
(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 held for
investment $ 96,512,139 100.00% $ 59,847,681 100.00% $ 38,215,591 100.00% $ 32,850,269 100.00% $ 27,343,930 100.00%
Loans delinquent:
30-59 days 1,512,365 1.57% 1,055,027 1.76% 741,723 1.94% 755,930 2.30% 762,040 2.79%
60-89 days 563,012 0.58% 401,640 0.67% 313,559 0.82% 362,766 1.10% 373,451 1.37%
90-119 days 291,759 0.30% 230,780 0.39% 196,457 0.51% 207,353 0.63% 238,091 0.87%
120-149 days 167,260 0.17% 104,817 0.18% 120,589 0.32% 149,246 0.45% 174,651 0.64%
150 or more days 114,007 0.12% 86,744 0.14% 99,866 0.26% 98,164 0.31% 125,636 0.45%
Total $ 2,648,403 2.74% $ 1,879,008 3.14% $ 1,472,194 3.85% $ 1,573,459 4.79% $ 1,673,869 6.12%
Loans delinquent by
geographic area:
Domestic 2,543,050 2.74% 1,789,926 3.20% 1,380,022 4.05% 1,509,370 5.06% 1,611,650 6.56%
International 105,353 2.74% 89,082 2.28% 92,172 2.04% 64,089 2.13% 62,219 2.25%
Managed:
Loans held for
investment $ 146,151,268 100.00% $ 105,527,491 100.00% $ 79,861,299 100.00% $ 71,244,796 100.00% $ 59,746,537 100.00%
Loans delinquent:
30-59 days 2,129,884 1.46% 1,620,075 1.54% 1,299,782 1.63% 1,335,231 1.87% 1,366,072 2.29%
60-89 days 945,844 0.65% 740,917 0.70% 664,629 0.83% 718,247 1.01% 753,735 1.26%
90-119 days 602,472 0.41% 498,927 0.47% 479,404 0.60% 488,471 0.69% 526,710 0.88%
120-149 days 412,386 0.28% 309,587 0.29% 336,924 0.42% 365,971 0.51% 394,721 0.66%
150 or more days 323,459 0.22% 254,314 0.24% 273,339 0.34% 270,009 0.38% 304,156 0.51%
Total $ 4,414,045 3.02% $ 3,423,820 3.24% $ 3,054,078 3.82% $ 3,177,929 4.46% $ 3,345,394 5.60%
(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.