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CAPITAL ONE FINANCIAL CORPORATION
NOTES TO CONSOLIDATED STATEMENTS
120
Consumer Banking: Risk Profile by Geographic Region, Delinquency Status and Performing Status
December 31, 2010
Non-PCI Loans PCI Loans Total
(Dollars in millions) Loans % of
Total(1) Loans % of
Total(1) Loans % of
Total(1)
Auto:
Texas ..........................
.
$ 3,161 9.2% $ 0 0% $ 3,161 9.2%
California ......................
.
1,412 4.1 0 0 1,412 4.1
Louisiana ......................
.
1,334 3.9 0 0 1,334 3.9
Florida .........................
.
954 2.8 0 0 954 2.8
Georgia ........................
.
908 2.6 0 0 908 2.6
N
ew York ......................
.
894 2.6 0 0 894 2.6
Illinois .........................
.
843 2.5 0 0 843 2.5
Other ..........................
.
8,361 24.3 0 0 8,361 24.3
Total auto ......................
.
$ 17,867 52.0% $ 0 0% $ 17,867 52.0%
Home loan:
N
ew York ......................
.
$ 2,092 6.1% $ 289 0.8% $ 2,381 6.9%
California ......................
.
971 2.8 1,344 3.9 2,315 6.7
Louisiana ......................
.
1,834 5.4 2 0 1,836 5.4
Maryland .......................
.
485 1.4 453 1.3 938 2.7
Virginia ........................
.
292 0.8 517 1.6 809 2.4
N
ew Jersey .....................
.
432 1.3 266 0.7 698 2.0
Other ..........................
.
1,105 3.2 2,021 5.9 3,126 9.1
Total home loan ................
.
$ 7,211 21.0% $ 4,892 14.2% $ 12,103 35.2%
Retail banking:
Louisiana ......................
.
$ 1,754 5.1% $ 0 0% $ 1,754 5.1%
Texas ..........................
.
1,125 3.3 0 0 1,125 3.3
N
ew York ......................
.
909 2.6 0 0 909 2.6
N
ew Jersey .....................
.
357 1.0 0 0 357 1.0
Maryland .......................
.
58 0.2 31 0.1 89 0.3
Virginia ........................
.
35 0.1 17 0.1 52 0.2
Other ..........................
.
73 0.2 54 0.1 127 0.3
Total retail banking .............
.
$ 4,311 12.5% $ 102 0.3% $ 4,413 12.8%
Total consumer banking .........
.
$ 29,389 85.5% $ 4,994 14.5% $ 34,383 100.0%
December 31, 2010
Auto Home Loan Retail Banking Total Consumer
Banking
(Dollars in millions) Amount Rate Amount Rate Amount Rate Amount Rate
Credit performance:(2)
30+ day delinquencies ........... $ 1,453 4.23% $ 504 1.47% $ 93 0.27% $ 2,050 5.96%
90+ day delinquencies ........... 99 0.29 395 1.15 40 0.11 534 1.54
N
onperforming loans ............ 99 0.29 486 1.41 91 0.26 676 1.97
N
et charge-offs ................. 457 1.27 93 0.26 105 0.29 655 1.82
________________________
(1) Percentages by geographic region are calculated based on the total held-for-investment consumer banking loans as of the end of the reported
period.
(2) Credit performance statistics exclude PCI loans, which were recorded at fair value at acquisition. Although PCI loans may be contractually
delinquent, we separately track these loans and do not include them in our delinquency and nonperforming loan statistics as the fair value
recorded at acquisition included an estimate of credit losses expected to be realized over the remaining lives of the loans.
Home Loan
Our home loan portfolio consists of both first-lien and second-lien residential mortgage loans. In evaluating the credit quality and risk
of our home loan portfolio, we continually monitor a variety of mortgage loan characteristics that may affect the default experience on
our overall home loan portfolio, such as vintage, geographic concentrations, lien priority and product type. Certain loan concentrations
have experienced higher delinquency rates as a result of the significant decline in home prices since the home price peak in 2006 and