Capital One 2013 Annual Report Download - page 118

Table 18: 30+ Day Delinquencies
December 31, 2013 December 31, 2012
30+ Day Performing 30+ Day Total 30+ Day Performing 30+ Day Total
(Dollars in millions) 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:
Domestic credit card and
installment loans . ........... $2,514 3.43% 3.43% $2,514 3.43% 3.43%$3,001 3.61% 3.62% $3,001 3.61% 3.62%
International credit card . . . . . . . . . 299 3.71 3.71 367 4.56 4.56 308 3.58 3.58 387 4.49 4.49
Totalcreditcard ............... 2,813 3.46 3.46 2,881 3.54 3.55 3,309 3.61 3.62 3,388 3.69 3.70
Consumer Banking:
Auto........................ 2,181 6.85 6.85 2,375 7.46 7.46 1,900 7.00 7.01 2,049 7.55 7.56
Homeloan ................... 55 0.16 0.78 323 0.91 4.55 59 0.13 0.77 380 0.86 4.94
Retailbanking ................ 25 0.69 0.70 52 1.44 1.46 30 0.76 0.77 81 2.07 2.09
Total consumer banking . . . . . . . . . 2,261 3.20 5.32 2,750 3.89 6.47 1,989 2.65 5.14 2,510 3.34 6.49
Commercial Banking:
Commercial and multifamily real
estate ..................... 29 0.14 0.14 64 0.31 0.31 140 0.79 0.79 248 1.40 1.41
Commercial and industrial ....... 73 0.31 0.32 108 0.46 0.47 73 0.37 0.37 135 0.68 0.69
Total commercial lending . . . . . . . . 102 0.23 0.23 172 0.39 0.39 213 0.57 0.57 383 1.02 1.03
Small-ticket commercial real
estate ..................... 8 0.79 0.79 11 1.17 1.17 33 2.74 2.74 43 3.60 3.60
Total commercial banking . . . . . . . 110 0.24 0.25 183 0.41 0.41 246 0.63 0.64 426 1.10 1.11
Other:
Otherloans................... 4 3.32 3.32 19 15.72 15.72 11 5.72 6.95 36 19.25 23.38
Total ....................... $5,188 2.63% 3.08% $5,833 2.96% 3.46%$5,555 2.70% 3.29% $6,360 3.09% 3.77%
(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 from the denominator.
Table 19 presents an aging of 30+ day delinquent loans included in the above table.
Table 19: Aging and Geography of 30+ Day Delinquent Loans
December 31, 2013 December 31, 2012
(Dollars in millions) Amount
% of
Total Loans(1) Amount
% of
Total Loans(1)
Total loan portfolio ................................. $197,199 100% $205,889 100.0%
Delinquency status:
30 – 59 days ................................... $ 2,617 1.33% $ 2,664 1.29%
60 – 89 days ................................... 1,344 0.68 1,440 0.70
90 + days ..................................... 1,872 0.95 2,256 1.10
Total ............................................. $ 5,833 2.96% $ 6,360 3.09%
Geographic region:
Domestic ..................................... $ 5,466 2.77% $ 5,973 2.90%
International ................................... 367 0.19 387 0.19
Total ............................................. $ 5,833 2.96% $ 6,360 3.09%
(1) Calculated by dividing loans in each delinquency status category or geographic region as of the end of the period by the total held-for-
investment loan portfolio, including Acquired Loans accounted for based on estimated cash flows.
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