Capital One 2010 Annual Report Download - page 216
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Page 1
CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 1: Financial & Statistical Summary—Reported GAAP Measures(1)
2009 2008
(dollars in millions)(unaudited) Full Year Q4 Q3 Q2 Q1 (2) Full Year
Earnings
N
et interest income ......................... $ 7,697 $ 1,954 $ 2,005 $ 1,945 $ 1,793 $ 7,149
N
on-interest income (3) ....................... 5,286 1,411 1,553 1,232(4) 1,090 6,744
Total revenue (5) ............................. $ 12,983 $ 3,365 $ 3,558 $ 3,177 $ 2,883 $ 13,893
Provision for loan and lease losses ............ 4,230 844 1,173 934 1,279 5,101
Balance Sheet Statistics (Period Average)
Average loans held for investment ............ $ 99,787 $ 94,732 $ 99,354 $ 104,682 $ 103,242 $ 98,971
Average earning assets ...................... 145,310 143,663 145,280 150,804 145,172 133,123
Average assets .............................. 171,598 169,856 173,428 177,628 168,489 156,292
Average liabilities ........................... 144,992 143,338 147,426 149,960 141,485 131,014
Return on average assets (ROA) .............. 0.58% 0.95% 1.01% 0.52% (0.20)% 0.05%
Balance Sheet Statistics (Period End)
Loans held for investment ................... $ 90,619 $ 90,619 $ 96,714 $ 100,940 $ 104,921 $ 101,018
Total assets ................................. 169,646 169,646 168,464 171,994 177,462 165,913
Total liabilities .............................. 143,057 143,057 142,272 146,662 150,714 139,301
Tangible assets (A) ........................... 155,516 155,516 154,315 157,782 163,230 153,410
Tangible common equity (TCE) ratio (B) ...... 8.03% 8.03% 7.82% 7.10%(6) 5.75% 7.18%
Performance Statistics
N
et interest income growth (quarter over
quarter) (7) ................................ 8% (3)% 3% 8% (1)% 9%
N
on-interest income growth (quarter over
quarter) (7) ................................ (22) % (9)% 26% 13% (20)% (16)%
Revenue growth (quarter over quarter) ........ (7)% (5)% 12% 10% (9)% (5)%
N
et interest margin .......................... 5.30% 5.44% 5.52% 5.16% 4.94% 5.37%
Revenue margin ............................ 8.94% 9.37% 9.80% 8.43% 7.94% 10.44%
Risk-adjusted margin (C) ..................... 5.79% 6.07% 6.69% 5.46% 4.81% 7.83%
N
on-interest expense as a% of average loans
held for investment (annualized) ........... 7.43% 8.23% 7.25% 7.34% 6.76% 8.30%
Efficiency ratio (D) .......................... 56.21% 56.92% 49.92% 59.11% 59.93% 58.13%
Credit Quality Statistics
N
et charge-offs ............................. $ 4,568 $ 1,185 $ 1,128 $ 1,117 $ 1,138 $ 3,478
N
et charge-off rate (8) ........................ 4.58% 5.00% 4.54% 4.28% 4.41% 3.51%
30+ day performing delinquencies ............ $ 3,746 $ 3,746 $ 3,983 $ 3,746 $ 3,834 $ 4,418
30+ day performing delinquency rate (8) ....... 4.13% 4.13% 4.12% 3.71% 3.65% 4.37%