Capital One 2014 Annual Report Download - page 135

Table B—Performing Delinquencies
December 31,
2014(1) 2013(1) 2012(1) 2011(1) 2010(1)
% of % of % of % of % of
Total Total Total Total Total
(Dollars in millions) Loans(2)(3) Loans(4) Loans(2)(3) Loans(4) Loans(2)(3) Loans(4) Loans(2)(3) Loans(4) Loans(2)(3) Loans(4)
Loans held for investment . . . $ 208,316 100.00% $ 197,199 100.00% $ 205,889 100.00% $ 135,892 100.00% $ 125,947 100.00%
Delinquent loans:
30-59 days . . . . . . . . . . . . . $ 2,803 1.34% $ 2,584 1.31% $ 2,629 1.28% $ 2,267 1.67% $ 1,968 1.56%
60-89 days . . . . . . . . . . . . . 1,394 0.67 1,313 0.67 1,399 0.68 1,043 0.77 1,064 0.85
90-119 days . . . . . . . . . . . . 508 0.24 512 0.26 628 0.30 497 0.36 559 0.44
120-149 days . . . . . . . . . . . 409 0.20 418 0.21 485 0.24 390 0.29 446 0.36
150 or more days . . . . . . . . 346 0.17 361 0.18 414 0.20 355 0.26 393 0.31
Total . . . . . . . . . . . . . . . . . . . . $ 5,460 2.62% $ 5,188 2.63% $ 5,555 2.70% $ 4,552 3.35% $ 4,430 3.52%
By geographic area:
Domestic . . . . . . . . . . . . . . $ 5,220 2.50% $ 4,889 2.48% $ 5,247 2.55% $ 4,114 3.03% $ 3,998 3.18%
International . . . . . . . . . . . . 240 0.12 299 0.15 308 0.15 438 0.32 432 0.34
Total . . . . . . . . . . . . . . . . . . . . $ 5,460 2.62% $ 5,188 2.63% $ 5,555 2.70% $ 4,552 3.35% $ 4,430 3.52%
(1) Acquired Loans are included in loans held for investment, but excluded from delinquent loans as these loans are considered performing in
accordance with our expectations as of the purchase date, as we recorded these loans at estimated fair value when we acquired them. As of
December 31, 2014, 2013, 2012, 2011 and 2010 the acquired loan portfolio’s contractual 30 to 89 day delinquencies total $152 million,
$223 million, $369 million, $162 million and $199 million, respectively. For loans 90+ day past due, see “MD&A—Table C—
Nonperforming Loans and Other Nonperforming Assets.”
(2) Credit card loan balances are reported net of the finance charge and fee reserve, which totaled $216 million, $190 million, $307 million,
$74 million and $211 million as of December 31, 2014, 2013, 2012, 2011 and 2010, respectively.
(3) The performing loan modifications and restructuring totaled $1.2 billion and $1.3 billion as of December 31, 2014 and 2013, respectively,
$1.4 billion as of both December 31, 2012 and 2011, and $1.0 billion as of December 31, 2010.
(4) Calculated by dividing loans in each delinquency status category and geographic region as of the end of the period by the total loan portfolio.
113 Capital One Financial Corporation (COF)