Capital One 2009 Annual Report Download - page 109

Download and view the complete annual report

Please find page 109 of the 2009 Capital One annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.

Page out of 209

  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • 16
  • 17
  • 18
  • 19
  • 20
  • 21
  • 22
  • 23
  • 24
  • 25
  • 26
  • 27
  • 28
  • 29
  • 30
  • 31
  • 32
  • 33
  • 34
  • 35
  • 36
  • 37
  • 38
  • 39
  • 40
  • 41
  • 42
  • 43
  • 44
  • 45
  • 46
  • 47
  • 48
  • 49
  • 50
  • 51
  • 52
  • 53
  • 54
  • 55
  • 56
  • 57
  • 58
  • 59
  • 60
  • 61
  • 62
  • 63
  • 64
  • 65
  • 66
  • 67
  • 68
  • 69
  • 70
  • 71
  • 72
  • 73
  • 74
  • 75
  • 76
  • 77
  • 78
  • 79
  • 80
  • 81
  • 82
  • 83
  • 84
  • 85
  • 86
  • 87
  • 88
  • 89
  • 90
  • 91
  • 92
  • 93
  • 94
  • 95
  • 96
  • 97
  • 98
  • 99
  • 100
  • 101
  • 102
  • 103
  • 104
  • 105
  • 106
  • 107
  • 108
  • 109
  • 110
  • 111
  • 112
  • 113
  • 114
  • 115
  • 116
  • 117
  • 118
  • 119
  • 120
  • 121
  • 122
  • 123
  • 124
  • 125
  • 126
  • 127
  • 128
  • 129
  • 130
  • 131
  • 132
  • 133
  • 134
  • 135
  • 136
  • 137
  • 138
  • 139
  • 140
  • 141
  • 142
  • 143
  • 144
  • 145
  • 146
  • 147
  • 148
  • 149
  • 150
  • 151
  • 152
  • 153
  • 154
  • 155
  • 156
  • 157
  • 158
  • 159
  • 160
  • 161
  • 162
  • 163
  • 164
  • 165
  • 166
  • 167
  • 168
  • 169
  • 170
  • 171
  • 172
  • 173
  • 174
  • 175
  • 176
  • 177
  • 178
  • 179
  • 180
  • 181
  • 182
  • 183
  • 184
  • 185
  • 186
  • 187
  • 188
  • 189
  • 190
  • 191
  • 192
  • 193
  • 194
  • 195
  • 196
  • 197
  • 198
  • 199
  • 200
  • 201
  • 202
  • 203
  • 204
  • 205
  • 206
  • 207
  • 208
  • 209

96
Year Ended December 31, 2009
(Dollars in thousands)
CCB Acquired Loans(1) Other Loans
Total
Net charge-off rate:
Commercial and Multi-Family Real Estate ...........................................
.
1.54 % 1.49%
Middle Market ......................................................................................
.
0.52 % 0.49%
Total Commercial Lending ..........................................................
.
1.13 % 1.10%
Total Commercial Banking ................................................
.
1.49 % 1.45%
Mortgage ...............................................................................................
.
1.10 % 0.58%
Retail Banking ......................................................................................
.
2.67 % 2.53%
Total Consumer Banking .............................................................
.
3.34 % 2.74%
Total Company (Managed) ..........................................................
.
6.21 % 5.87%
Total Company (Reported) ..........................................................
.
4.98 % 4.58%
30 + day performing delinquency rate:
Mortgage ...............................................................................................
.
2.18 % 1.26%
Retail Banking ......................................................................................
.
1.30 % 1.23%
Total Consumer Banking .............................................................
.
6.56 % 5.43%
Total Company (Managed) ..........................................................
.
4.99 % 4.73%
Total Company (Reported) ..........................................................
.
4.49 % 4.13%
Non performing loans as a percentage of loans held for
investment:
Commercial and Multi-Family Real Estate ...........................................
.
3.18 % 3.10 %
Middle Market ......................................................................................
.
1.07 % 1.04 %
Total Commercial Lending ..........................................................
.
2.27 % 2.21 %
Total Commercial Banking ................................................
.
2.43 % 2.37 %
Mortgage ...............................................................................................
.
3.75 % 2.17 %
Retail Banking ......................................................................................
.
1.78 % 1.69 %
Total Consumer Banking .............................................................
.
1.75 % 1.45 %
Total Company (Managed) ..........................................................
.
0.99% 0.94 %
Total Company (Reported) ..........................................................
.
1.55% 1.42 %
Non performing assets rate:
Commercial and Multi-Family Real Estate ...........................................
.
3.54% 3.45 %
Middle Market ......................................................................................
.
1.13% 1.09 %
Total Commercial Lending ..........................................................
.
2.50% 2.43 %
Total Commercial Banking ................................................
.
2.72% 2.61 %
Mortgage ...............................................................................................
.
5.27% 3.07 %
Retail Banking ......................................................................................
.
2.23% 2.11 %
Total Consumer Banking .............................................................
.
2.32% 1.92 %
Total Company (Managed) ..........................................................
.
1.19% 1.13 %
Total Company (Reported) ..........................................................
.
1.86% 1.70 %
(1) The loans acquired in the Chevy Chase Bank acquisition are performing as expected when acquired. Accordingly all loans are
considered performing and charge offs have been applied against the credit mark in accordance with ASC 805-10/SFAS 141(R).