Capital One 2008 Annual Report Download - page 95

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TABLE DCOMPOSITION OF REPORTED LOAN PORTFOLIO
As of December 31
2008
2007 2006 2005 2004
(Dollars in
thousands)
Loans
% of
Total
Loans
Loans
% of
Total
Loans
Loans
% of
Total
Loans
Loans
% of
Total
Loans
Loans
% of
Total
Loans
Reported:
Consumer loans ..........$ 62,232,926 61.61% $ 64,448,770 63.31% $ 64,767,900 67.11% $ 49,383,370 82.51% $ 35,521,555 92.95%
Commercial loans....... 38,784,845 38.39% 37,356,257 36.69% 31,744,239 32.89% 10,464,311 17.49% 2,694,036 7.05%
Total...............$ 101,017,771 100.00% $ 101,805,027 100.00% $ 96,512,139 100.00% $ 59,847,681 100.00% $ 38,215,591 100.00%
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
2008
2007 2006 2005 2004
(Dollars in thousands) Loans
% of
Total
Loans
Loans
% of
Total
Loans
Loans
% of
Total
Loans
Loans
% of
Total
Loans
Loans
% of
Total
Loans
Reported(1) :
Loans held for investment ..$ 101,017,771 100.00% $ 101,805,027 100.00% $ 96,512,139 100.00% $ 59,847,681 100.00% $ 38,215,591 100.00%
Loans delinquent:
30-59 days .............. 2,325,190 2.30%
2,052,086 2.02% 1,512,365 1.57% 1,055,027 1.76% 741,723 1.94%
60-89 days .............. 1,094,076 1.08%
869,452 0.86% 563,012 0.58% 401,640 0.67% 313,559 0.82%
90-119 days ............ 574,743 0.57%
450,268 0.44% 291,759 0.30% 230,780 0.39% 196,457 0.51%
120-149 days .......... 229,436 0.23%
194,892 0.19% 167,260 0.17% 104,817 0.18% 120,589 0.32%
150 or more days .... 194,378 0.19%
154,746 0.15% 114,007 0.12% 86,744 0.14% 99,866 0.26%
Total............$ 4,417,823 4.37%
$ 3,721,444 3.66% $ 2,648,403 2.74% $ 1,879,008 3.14% $ 1,472,194 3.85%
Loans delinquent by
geographic area:
Domestic................. 4,271,511 4.36%
3,592,845 3.67% 2,543,050 2.74% 1,789,926 3.20% 1,380,022 4.05%
International............ 146,312 4.89%
128,599 3.20% 105,353 2.74% 89,082 2.28% 92,172 2.04%
Managed(2) :
Loans held for investment ..$ 146,936,754 100.00% $ 151,362,417 100.00% $ 146,151,268 100.00% $ 105,527,491 100.00% $ 79,861,299 100.00%
Loans delinquent:
30-59 days .............. 2,987,184 2.03%
2,737,547 1.81% 2,129,884 1.46% 1,620,075 1.54% 1,299,782 1.63%
60-89 days .............. 1,581,659 1.08%
1,343,539 0.89% 945,844 0.65% 740,917 0.70% 664,629 0.83%
90-119 days ............ 981,981 0.67%
840,776 0.55% 602,472 0.41% 498,927 0.47% 479,404 0.60%
120-149 days .......... 569,528 0.39%
512,789 0.34% 412,386 0.28% 309,587 0.29% 336,924 0.42%
150 or more days .... 475,871 0.32%
429,146 0.28% 323,459 0.22% 254,314 0.24% 273,339 0.34%
Total............$ 6,596,223 4.49%
$ 5,863,797 3.87% $ 4,414,045 3.02% $ 3,423,820 3.24% $ 3,054,078 3.82%
Loans delinquent by
geographic area:
Domestic................. 6,080,324 4.40%
5,271,552 3.77% 4,271,511 3.18% 2,900,938 3.06% 2,501,658 3.61%
International............ 515,899 5.92%
592,245 5.08% 589,416 5.02% 522,882 4.91% 552,420 5.24%
(1) Includes non-accrual consumer auto loans of $164.6 million in 2008, $159.8 million in 2007, $82.1 million in 2006, $61.0 million in 2005 and $32.0 million in 2004.
(2) Includes non-accrual consumer auto loans of $164.6 million in 2008, $160.9 million in 2007, $85.6 million in 2006, $67.5 million in 2005 and $32.0 million in 2004.