Capital One 2013 Annual Report Download - page 124
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Table 24: Allowance for Loan and Lease Losses Activity
Year Ended December 31,
(Dollars in millions) 2013 2012 2011
Balance at beginning of period, as reported ............................... $ 5,156 $ 4,250 $ 5,628
Provision for credit losses(1) ........................................... 3,401 4,446 2,401
Charge-offs:
Credit Card:
Domestic credit card and installment loans ............................... (3,969) (3,507) (3,558)
International credit card .............................................. (573) (652) (752)
Total credit card ................................................ (4,542) (4,159) (4,310)
Consumer Banking:
Auto.............................................................. (784) (631) (529)
Home loan ......................................................... (26) (77) (104)
Retail banking ...................................................... (78) (89) (99)
Total consumer banking .......................................... (888) (797) (732)
Commercial Banking:
Commercial and multifamily real estate .................................. (6) (23) (76)
Commercial and industrial ............................................ (26) (32) (61)
Total commercial lending ......................................... (32) (55) (137)
Small-ticket commercial real estate ..................................... (17) (39) (77)
Total commercial banking ........................................ (49) (94) (214)
Other loans ........................................................ (26) (43) (59)
Total charge-offs .................................................... (5,505) (5,093) (5,315)
Recoveries:
Credit Card:
Domestic credit card and installment loans ............................... 1,065 975 1,036
International credit card .............................................. 192 240 218
Total credit card ................................................ 1,257 1,215 1,254
Consumer Banking:
Auto.............................................................. 238 217 195
Home loan ......................................................... 10 25 27
Retail banking ...................................................... 24 24 26
Total consumer banking .......................................... 272 266 248
Commercial Banking:
Commercial and multifamily real estate .................................. 14 18 12
Commercial and industrial ............................................ 11 25 20
Total commercial lending ......................................... 25 43 32
Small-ticket commercial real estate ..................................... 10 95
Total commercial banking ........................................ 35 52 37
Other loans ........................................................ 755
Total recoveries ..................................................... 1,571 1,538 1,544
Net charge-offs ..................................................... (3,934) (3,555) (3,771)
Impact of loan transfers, sales and other changes(2) ......................... (308) 15 (8)
Balance at end of period .............................................. $ 4,315 $ 5,156 $ 4,250
Allowance for loan and lease losses as a percentage of loans held
for investment .................................................... 2.19% 2.50% 3.13%
104