Capital One 2014 Annual Report Download - page 189

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Table 4.1: Loan Portfolio Composition and Aging Analysis
December 31, 2014
Total
30-59 60-89 ≥ 90 Delinquent Acquired Total
(Dollars in millions) Current Days Days Days Loans Loans Loans
Credit Card:
Domestic credit card(1) . . . . . . . . . . . . . . . $ 75,143 $ 790 $ 567 $ 1,181 $ 2,538 $ 23 $ 77,704
International credit card . . . . . . . . . . . . . 7,878 114 69 111 294 0 8,172
Total credit card . . . . . . . . . . . . . . . . . . . . . . 83,021 904 636 1,292 2,832 23 85,876
Consumer Banking:
Auto . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35,142 1,751 734 197 2,682 0 37,824
Home loan . . . . . . . . . . . . . . . . . . . . . . . . 6,492 57 27 218 302 23,241 30,035
Retail banking . . . . . . . . . . . . . . . . . . . . . 3,496 17 7 16 40 44 3,580
Total consumer banking . . . . . . . . . . . . . . . 45,130 1,825 768 431 3,024 23,285 71,439
Commercial Banking:(2)
Commercial and multifamily real estate . 22,974 74 7 36 117 46 23,137
Commercial and industrial . . . . . . . . . . . 26,753 29 10 34 73 146 26,972
Total commercial lending . . . . . . . . . . 49,727 103 17 70 190 192 50,109
Small-ticket commercial real estate . . . . 771 6 1 3 10 0 781
Total commercial banking . . . . . . . . . . . . . . 50,498 109 18 73 200 192 50,890
Other:
Other loans . . . . . . . . . . . . . . . . . . . . . . . 97 3 2 9 14 0 111
Total loans . . . . . . . . . . . . . . . . . . . . . . . . . . $178,746 $ 2,841 $ 1,424 $ 1,805 $ 6,070 $ 23,500 $208,316
% of Total loans . . . . . . . . . . . . . . . . . . . . . . 85.81% 1.36% 0.68% 0.87% 2.91% 11.28% 100.00%
December 31, 2013
Total
30-59 60-89 ≥ 90 Delinquent Acquired Total
(Dollars in millions) Current Days Days Days Loans Loans Loans
Credit Card:
Domestic credit card(1) . . . . . . . . . . . . . . . $ 70,678 $ 778 $ 549 $ 1,187 $ 2,514 $ 63 $ 73,255
International credit card . . . . . . . . . . . . . 7,683 141 85 141 367 0 8,050
Total credit card . . . . . . . . . . . . . . . . . . . . . . 78,361 919 634 1,328 2,881 63 81,305
Consumer Banking:
Auto . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29,477 1,519 662 194 2,375 5 31,857
Home loan . . . . . . . . . . . . . . . . . . . . . . . . 6,775 60 24 239 323 28,184 35,282
Retail banking . . . . . . . . . . . . . . . . . . . . . 3,535 21 8 23 52 36 3,623
Total consumer banking . . . . . . . . . . . . . . . 39,787 1,600 694 456 2,750 28,225 70,762
Commercial Banking:(2)
Commercial and multifamily real estate . 20,602 17 11 36 64 84 20,750
Commercial and industrial . . . . . . . . . . . 23,023 69 1 38 108 178 23,309
Total commercial lending . . . . . . . . . . 43,625 86 12 74 172 262 44,059
Small-ticket commercial real estate . . . . 941 8 2 1 11 0 952
Total commercial banking . . . . . . . . . . . . . . 44,566 94 14 75 183 262 45,011
Other:
Other loans . . . . . . . . . . . . . . . . . . . . . . . 102 4 2 13 19 0 121
Total loans . . . . . . . . . . . . . . . . . . . . . . . . . . $162,816 $ 2,617 $ 1,344 $ 1,872 $ 5,833 $ 8,550 $197,199
% of Total loans . . . . . . . . . . . . . . . . . . . . . . 82.56% 1.33% 0.68% 0.95% 2.96% 14.48% 100.00%
(1) Includes installment loans of $144 million and $323 million as of December 31, 2014 and 2013, respectively.
(2) Includes construction loans and land development loans totaling $2.3 billion and $2.0 billion as of December 31, 2014 and 2013, respectively.
CAPITAL ONE FINANCIAL CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued)
Capital One Financial Corporation (COF)