Capital One 2013 Annual Report Download - page 192

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CAPITAL ONE FINANCIAL CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued)
Consumer Banking
Our consumer banking loan portfolio consists of auto, home loan and retail banking loans. Similar to our credit
card loan portfolio, the risk in our consumer banking loan portfolio is correlated with broad economic trends,
such as unemployment rates, GDP, and home values, as well as customer liquidity, all of which can have a
material effect on credit performance. Delinquency, nonperforming loans and charge-off trends are key factors
we assess in monitoring the credit quality and risk of our consumer banking loan portfolio. The table below
displays the geographic profile of our consumer banking loan portfolio, including Acquired Loans. We also
present the delinquency and nonperforming loan rates of our consumer banking loan portfolio, excluding
Acquired Loans, as of December 31, 2013 and 2012, and net charge-offs for 2013 and 2012.
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