Capital One 2012 Annual Report Download - page 121

Table 17: 30+ Day Delinquencies
(Dollars in millions)
December 31, 2012 December 31, 2011
30+ Day Performing 30+ Day Total 30+ Day Performing 30+ Day Total
Amount Rate(1)
Adjusted
Rate(2) Amount Rate(1)
Adjusted
Rate(2) Amount Rate(1)
Adjusted
Rate(2) Amount Rate(1)
Adjusted
Rate(2)
Credit Card business:
Domestic credit card and
installment loans ............ $3,001 3.61% 3.62% $3,001 3.61% 3.62% $2,073 3.66% 3.66% $2,073 3.66% 3.66%
International credit card . . . . . . . . 308 3.58 3.58 387 4.49 4.49 438 5.18 5.18 438 5.18 5.17
Totalcreditcard .............. 3,309 3.61 3.62 3,388 3.69 3.70 2,511 3.86 3.86 2,511 3.86 3.86
Consumer Banking business:
Automobile ................. 1,900 7.00 7.01 2,049 7.55 7.56 1,498 6.88 6.90 1,604 7.36 7.38
Homeloan .................. 59 0.13 0.77 380 0.86 4.94 93 0.89 1.47 478 4.58 7.56
Retailbanking ............... 30 0.76 0.77 81 2.07 2.09 34 0.83 0.84 94 2.29 2.32
Total consumer banking . . . . . . . . 1,989 2.65 5.14 2,510 3.34 6.49 1,625 4.47 5.06 2,176 5.99 6.78
Commercial Banking business:
Commercial and multifamily real
estate .................... 140 0.79 0.79 248 1.40 1.41 217 1.38 1.40 342 2.17 2.20
Commercial and industrial ...... 73 0.37 0.37 135 0.68 0.69 78 0.45 0.46 152 0.89 0.91
Total commercial lending . . . . . . . 213 0.57 0.57 383 1.02 1.03 295 0.91 0.91 494 1.50 1.53
Small-ticket commercial real
estate .................... 33 2.74 2.74 43 3.60 3.60 104 6.94 6.94 141 9.38 9.38
Total commercial banking . . . . . . 246 0.63 0.64 426 1.10 1.11 399 1.16 1.18 635 1.85 1.88
Other:
Otherloans.................. 11 5.72 6.95 36 19.25 23.38 17 9.65 9.65 46 26.29 26.29
Total....................... $5,555 2.70% 3.29% $6,360 3.09% 3.77% $4,552 3.35% 3.47% $5,368 3.95% 4.09%
(1) Calculated by loan category by dividing 30+ day delinquent loans as of the end of the period by period-end loans held for investment for
the specified loan category, including acquired loans as applicable.
(2) Calculated by excluding acquired loans accounted for based on estimated cash flows expected to be collected from the denominator.
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