Capital One 2012 Annual Report Download - page 204

CAPITAL ONE FINANCIAL CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued)
The following table presents the geographic distribution and internal risk ratings of our commercial loan
portfolio as of December 31, 2012 and 2011.
Commercial Banking: Risk Profile by Geographic Region and Internal Risk Rating(1)
December 31, 2012
(Dollars in millions)
Commercial
&
Multifamily
Real Estate
% of
Total(2)
Commercial
and
Industrial
% of
Total(2)
Small-ticket
Commercial
Real Estate
% of
Total(2)
Total
Commercial
% of
Total(2)
Geographic concentration:(3)
Loans:
Northeast ................. $13,299 75.0% $ 5,460 27.4% $ 723 60.5% $19,482 50.2%
Mid-Atlantic .............. 1,398 7.9 1,149 5.8 47 3.9 2,594 6.7
South .................... 2,055 11.6 9,182 46.2 72 6.0 11,309 29.1
Other .................... 853 4.8 3,869 19.4 354 29.6 5,076 13.1
Loans .................... 17,605 99.3 19,660 98.8 1,196 100.0 38,461 99.1
Acquired loans ............. 127 0.7 232 1.2 0 0.0 359 0.9
Total ..................... $17,732 100.0% $19,892 100.0% $1,196 100.0% $38,820 100.0%
Internal risk rating:(4)
Loans:
Noncriticized .............. $16,614 93.7% $19,073 95.9% $1,152 96.3% $36,839 94.9%
Criticized performing ....... 853 4.8 454 2.3 33 2.8 1,340 3.5
Criticized nonperforming .... 138 0.8 133 0.6 11 0.9 282 0.7
Loans .................... 17,605 99.3 19,660 98.8 1,196 100.0 38,461 99.1
Acquired loans:
Noncriticized .............. $ 77 0.4% $ 228 1.2% $ 0 0.0% $ 305 0.8%
Criticized performing ....... 50 0.3 4 0.0 0 0.0 54 0.1
Total acquired loans ......... 127 0.7 232 1.2 0 0.0 359 0.9
Total ..................... $17,732 100.0% $19,892 100.0% $1,196 100.0% $38,820 100.0%
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