Capital One 2011 Annual Report Download - page 121

Table 22: Consumer Banking Concentrations
December 31,
2011 2010
(Dollars in millions) Loans
% of
Total Loans
% of
Total
Auto:
Texas ....................................................... $ 3,901 10.7% $ 3,161 9.2%
California ................................................... 1,837 5.1 1,412 4.1
Louisiana .................................................... 1,389 3.8 1,334 3.9
Florida ...................................................... 1,196 3.3 954 2.8
Georgia ..................................................... 1,124 3.1 908 2.6
Illinois ...................................................... 950 2.6 843 2.5
New York ................................................... 940 2.6 894 2.6
Other ....................................................... 10,442 28.8 8,361 24.3
Total auto ................................................... 21,779 60.0 17,867 52.0
Home loan:
New York ................................................... 2,046 5.7 2,380 6.9
California ................................................... 1,896 5.2 2,339 6.8
Louisiana .................................................... 1,530 4.2 1,778 5.2
Maryland .................................................... 904 2.5 886 2.6
Virginia ..................................................... 794 2.2 791 2.3
New Jersey .................................................. 579 1.5 701 2.0
Other ....................................................... 2,684 7.4 3,228 9.4
Total home loan .............................................. 10,433 28.7 12,103 35.2
Retail banking:
Louisiana .................................................... 1,514 4.2 1,754 5.1
Texas ....................................................... 930 2.6 1,125 3.3
New York ................................................... 896 2.5 909 2.6
New Jersey .................................................. 295 0.8 357 1.0
District of Columbia ........................................... 261 0.7 20 0.0
Maryland .................................................... 72 0.2 89 0.3
Virginia ..................................................... 42 0.1 52 0.2
Other ....................................................... 93 0.2 107 0.3
Total retail banking ............................................ 4,103 11.3 4,413 12.8
Total consumer banking ........................................ $36,315 100.0% $34,383 100.0%
Commercial Banking represented $34.0 billion, or 25%, of our loan portfolio as of December 31, 2011, up from
24% as of December 31, 2010. We operate our Commercial Banking business primarily in the geographies in
which we maintain retail bank branches. As a result, most of the portfolio is located in New York, Louisiana and
Texas, our largest retail banking markets. Our small-ticket commercial real estate portfolio was originated on a
national basis through a broker network and is in run-off mode. See Table 23 below for additional information.
101