Capital One 2013 Annual Report Download - page 18

TABLE OF CONTENTS
Page
PART I
Item 1. Business .................................................................... 1
Overview .................................................................. 1
Operations and Business Segments ............................................. 3
Supervision and Regulation ................................................... 4
Competition ............................................................... 16
Employees ................................................................. 17
Additional Information ....................................................... 17
Forward-Looking Statements .................................................. 18
Item 1A. Risk Factors ................................................................. 20
Item 1B. Unresolved Staff Comments ..................................................... 34
Item 2. Properties ................................................................... 35
Item 3. Legal Proceedings ............................................................. 35
Item 4. Mine Safety Disclosures ........................................................ 35
PART II
Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of
Equity Securities .............................................................. 36
Item 6. Summary of Selected Financial Data .............................................. 39
Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations
(“MD&A”) .................................................................. 44
Executive Summary and Business Outlook ....................................... 44
Critical Accounting Policies and Estimates ....................................... 48
Accounting Changes and Developments ......................................... 55
Consolidated Results of Operations ............................................. 56
Business Segment Financial Performance ........................................ 63
Consolidated Balance Sheets Analysis ........................................... 78
Off-Balance Sheet Arrangements and Variable Interest Entities ....................... 84
Capital Management ......................................................... 84
Risk Management ........................................................... 89
Credit Risk Profile .......................................................... 93
Liquidity Risk Profile ........................................................ 106
Market Risk Profile ......................................................... 111
Supplemental Tables ......................................................... 114
Glossary and Acronyms ...................................................... 121
Item 7A. Quantitative and Qualitative Disclosures about Market Risk ........................... 127
Item 8. Financial Statements and Supplementary Data ...................................... 128
Consolidated Statements of Income ............................................... 132
Consolidated Statements of Comprehensive Income .................................. 133
Consolidated Balance Sheets .................................................... 134
Consolidated Statements of Changes in Stockholders’ Equity .......................... 135
Consolidated Statements of Cash Flows ........................................... 136
Notes to Consolidated Financial Statements ........................................ 137
Note 1 — Summary of Significant Accounting Policies ............................. 137
Note 2 — Discontinued Operations ............................................. 156
Note 3 — Investment Securities ................................................ 156
Note 4 — Loans ............................................................ 165
Note 5 — Allowance for Loan and Lease Losses .................................. 187
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