Capital One 2013 Annual Report Download - page 127

Table 27: Deposit Composition and Average Deposit Rates
December 31, 2013
(Dollars in millions)
Period End
Balance
Average
Balance
Interest
Expense
% of
Average
Deposits
Average
Deposit
Rate
Non-interest bearing ............................... $ 22,643 $ 21,345 N/A 10.2% N/A
Negotiable order of withdrawal (“NOW”) accounts ...... 43,880 43,823 $ 254 21.0 0.58%
Money market deposit accounts ...................... 98,403 101,848 648 48.6 0.64
Savings accounts .................................. 29,264 27,525 66 13.2 0.24
Consumer time deposits less than $100,000 ............. 6,299 8,955 161 4.3 1.80
Total core deposits ............................ 200,489 203,496 1,129 97.3 0.55
Certificates of deposit of $100,000 or more ............. 2,852 3,938 108 1.9 2.74
Foreign time deposits .............................. 1,182 1,611 4 0.8 0.25
Total customer deposits ........................ $204,523 $209,045 $1,241 100.0% 0.59%
December 31, 2012
(Dollars in millions)
Period End
Balance
Average
Balance
Interest
Expense
% of
Average
Deposits
Average
Deposit
Rate
Non-interest bearing ............................... $ 22,467 $ 19,741 N/A 9.7% N/A
Negotiable order of withdrawal (“NOW”) accounts ...... 40,591 34,179 $ 212 16.8 0.62%
Money market deposit accounts ...................... 104,540 99,734 684 49.1 0.69
Savings accounts .................................. 28,285 30,457 101 15.0 0.33
Consumer time deposits less than $100,000 ............. 11,028 12,762 258 6.4 2.02
Total core deposits ............................ 206,911 196,873 1,255 97.0 0.64
Certificates of deposit of $100,000 or more ............. 4,495 4,876 144 2.4 2.95
Foreign time deposits .............................. 1,079 1,305 4 0.6 0.31
Total customer deposits ........................ $212,485 $203,054 $1,403 100.0% 0.69%
December 31, 2011
(Dollars in millions)
Period End
Balance
Average
Balance
Interest
Expense
% of
Average
Deposits
Average
Deposit
Rate
Non-interest bearing ............................... $ 18,281 $ 17,051 N/A 13.5% N/A
Negotiable order of withdrawal (“NOW”) accounts ...... 15,038 13,285 $ 41 10.5 0.31%
Money market deposit accounts ...................... 46,496 46,455 396 36.6 0.85
Savings accounts .................................. 31,433 29,640 218 23.4 0.74
Consumer time deposits less than $100,000 ............. 11,471 13,855 351 10.9 2.53
Total core deposits ............................ 122,719 120,286 1,006 94.9 0.84
Certificates of deposit of $100,000 or more ............. 4,586 5,634 177 4.5 3.14
Foreign time deposits .............................. 921 774 4 0.6 0.52
Total customer deposits ........................ $128,226 $126,694 $1,187 100.0% 0.94%
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