Capital One 2014 Annual Report Download - page 136

Table C—Nonperforming Loans and Other Nonperforming Assets
December 31,
(Dollars in millions) 2014 2013 2012 2011 2010
Nonperforming loans held for investment:(1)
Credit Card:
International Credit Card . . . . . . . . . . . . . . . . . . . . . . . . . . $ 70 $ 88 $ 100 $ — $ —
Total credit card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70 88 100 — —
Consumer Banking:
Auto . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 197 194 149 106 99
Home loan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 330 376 422 456 486
Retail banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 41 71 90 91
Total consumer banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 549 611 642 652 676
Commercial Banking:
Commercial and multifamily real estate . . . . . . . . . . . . . . 62 52 137 207 276
Commercial and industrial . . . . . . . . . . . . . . . . . . . . . . . . . 106 93 133 125 181
Total commercial lending . . . . . . . . . . . . . . . . . . . . . . . 168 145 270 332 457
Small-ticket commercial real estate . . . . . . . . . . . . . . . . . . 74 12 40 38
Total commercial banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 175 149 282 372 495
Other:
Other loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 19 30 35 54
Total nonperforming loans held for investment . . . . . . . . . . . . . $ 809 $ 867 $1,054 $1,059 $1,225
Other nonperforming assets:
Foreclosed property(2) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 139 $ 113 $ 204 $ 169 $ 306
Other assets(3) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 183 160 109 95 97
Total nonperforming assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,131 $1,140 $1,367 $1,323 $1,628
Nonperforming loans as a percentage of
loans held for investment . . . . . . . . . . . . . . . . . . . . . . . . . . 0.39% 0.44% 0.51% 0.78% 0.97%
Nonperforming assets as a percentage of loans held for
investment plus total other nonperforming assets . . . . . . . 0.54 0.58 0.66 0.97 1.29
(1) The ratio of nonperforming loans as a percentage of total loans held for investment is calculated based on the nonperforming loans divided
by the total outstanding unpaid principal balance of loans held for investment. The denominator used in calculating the nonperforming asset
ratios consists of total loans held for investment and other nonperforming assets.
(2) Includes foreclosed properties related to Acquired Loans of $101 million, $68 million, $167 million, $86 million and $201 million as of
December 31, 2014, 2013, 2012, 2011 and 2010, respectively.
(3) In 2013, we began including the net realizable value of auto loans that have been charged-off as a result of bankruptcy and repossessed
assets obtained in satisfaction of auto loans. Both of these amounts are included in other assets. Prior period amounts have been adjusted to
conform to current period presentation.
114 Capital One Financial Corporation (COF)