Capital One 2013 Annual Report Download - page 200

CAPITAL ONE FINANCIAL CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued)
December 31, 2012
(Dollars in millions)
Commercial
and
Multifamily
Real Estate
% of
Total(1)
Commercial
and
Industrial
% of
Total(1)
Small-ticket
Commercial
Real Estate
% of
Total(1)
Total
Commercial
% of
Total(1)
Geographic concentration:(2)
Loans:
Northeast .................... $13,299 75.0% $ 5,460 27.4% $ 723 60.5% $19,482 50.2%
Mid-Atlantic ................. 1,398 7.9 1,149 5.8 47 3.9 2,594 6.7
South ....................... 2,055 11.6 9,182 46.2 72 6.0 11,309 29.1
Other ....................... 853 4.8 3,869 19.4 354 29.6 5,076 13.1
Loans ....................... 17,605 99.3 19,660 98.8 1,196 100.0 38,461 99.1
Acquired Loans . . . . . . . . . . . . . . . 127 0.7 232 1.2 0 0.0 359 0.9
Total ........................ $17,732 100.0% $19,892 100.0% $1,196 100.0% $38,820 100.0%
Internal risk rating:(3)
Loans:
Noncriticized ................. $16,614 93.7% $19,073 95.9% $1,152 96.3% $36,839 94.9%
Criticized performing . . . . . . . . . . . 853 4.8 454 2.3 33 2.8 1,340 3.5
Criticized nonperforming . . . . . . . . 138 0.8 133 0.6 11 0.9 282 0.7
Loans ....................... 17,605 99.3 19,660 98.8 1,196 100.0 38,461 99.1
Acquired Loans:
Noncriticized ................. 77 0.4 228 1.2 0 0.0 305 0.8
Criticized performing . . . . . . . . . . . 50 0.3 4 0.0 0 0.0 54 0.1
Total Acquired Loans . . . . . . . . . . 127 0.7 232 1.2 0 0.0 359 0.9
Total ........................ $17,732 100.0% $19,892 100.0% $1,196 100.0% $38,820 100.0%
(1) Percentages calculated based on total held-for-investment commercial loans in each respective loan category as of the end of the reported
period.
(2) Northeast consists of CT, ME, MA, NH, NJ, NY, PA and VT. Mid-Atlantic consists of DE, DC, MD, VA and WV. South consists of
AL, AR, FL, GA, KY, LA, MS, MO, NC, SC, TN and TX.
(3) Criticized exposures correspond to the “Special Mention,” “Substandard” and “Doubtful” asset categories defined by banking regulatory
authorities.
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