Capital One 2012 Annual Report Download - page 142

Table B—Performing Delinquencies
December 31,
2012(2) 2011(2) 2010(2) 2009(2) 2008
(Dollars in millions) Loans
% of
Total
Loans(3) Loans
% of
Total
Loans(3) Loans
% of
Total
Loans(3) Loans
% of
Total
Loans(3) Loans
% of
Total
Loans(3)
Reported:(1)
Loans held for
investment ....... $205,889 100.00%$135,892 100.00%$125,947 100.00%$ 90,619 100.00%$101,018 100.00%
Delinquent loans:
30-59 days ......... $ 2,629 1.28%$ 2,267 1.67%$ 1,968 1.56%$ 1,908 2.10%$ 2,325 2.30%
60-89 days ......... 1,399 0.68 1,043 0.77 1,064 0.85 985 1.09 1,094 1.08
90-119 days ........ 628 0.30 497 0.36 559 0.44 356 0.39 410 0.41
120-149 days ....... 485 0.24 390 0.29 446 0.36 190 0.21 230 0.23
150 or more days .... 414 0.20 355 0.26 393 0.31 164 0.18 194 0.19
Total .............. $ 5,555 2.70%$ 4,552 3.35%$ 4,430 3.52%$ 3,603 3.98%$ 4,253 4.21%
By geographic area:
Domestic ........... $ 5,247 2.55%$ 4,114 3.03%$ 3,998 3.18%$ 3,460 3.82%$ 4,107 4.07%
International ........ 308 0.15 438 0.32 432 0.34 143 0.16 146 0.14
Total .............. $ 5,555 2.70%$ 4,552 3.35%$ 4,430 3.52%$ 3,603 3.98%$ 4,253 4.21%
Managed:(1)
Loans held for
investment ....... $205,889 100.00%$135,892 100.00%$125,947 100.00%$136,803 100.00%$146,937 100.00%
Delinquent loans:
30-59 days ......... $ 2,629 1.28%$ 2,267 1.67%$ 1,968 1.56%$ 2,623 1.92%$ 2,987 2.03%
60-89 days ......... 1,399 0.68 1,043 0.77 1,064 0.84 1,576 1.15 1,582 1.08
90-119 days ........ 628 0.30 497 0.36 559 0.44 895 0.65 817 0.56
120-149 days ....... 485 0.24 390 0.29 446 0.35 660 0.48 569 0.39
150 or more days .... 414 0.20 355 0.26 393 0.31 568 0.42 476 0.32
Total .............. $ 5,555 2.70%$ 4,552 3.35%$ 4,430 3.52%$ 6,322 4.62%$ 6,431 4.38%
By geographic area:
Domestic ........... $ 5,247 2.55%$ 4,114 3.03%$ 3,998 3.18%$ 5,783 4.23%$ 5,915 4.03%
International ........ 308 0.15 438 0.32 432 0.34 539 0.39 516 0.35
Total .............. $ 5,555 2.70%$ 4,552 3.35%$ 4,430 3.52%$ 6,322 4.62%$ 6,431 4.38%
(1) Credit card loan balances are reported net of the finance charge and fee reserve, which totaled $307 million, $74 million, $211 million,
$624 million, $630 million as of December 31, 2012, 2011, 2010, 2009 and 2008, respectively.
(2) Acquired loan portfolio is included in loans held for investment, but excluded from delinquent loans as these loans are considered
performing in accordance with our expectations as of the purchase date, as we recorded these loans at estimated fair value when we
acquired them. As of December 31, 2012, 2011 and 2010, the acquired loan portfolio’s contractual 30 to 89 day delinquencies total $369
million, $162 million and $199 million, respectively. For loans 90+ days past due, see “Table C—Nonperforming Assets.”
(3) Calculated by dividing loans in each delinquency status category and geographic region as of the end of the period by the total loan
portfolio.
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