Capital One 2014 Annual Report Download - page 198
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176
December 31, 2013
Commercial
and Commercial Small-ticket Total
Multifamily % of and % of Commercial % of Commercial % of
(Dollars in millions) Real Estate Total(1) Industrial Total(1) Real Estate Total(1) Banking Total(1)
Geographic concentration:(2)
Loans:
Northeast . . . . . . . . . . . . . . . $ 14,551 70.1% $ 5,823 25.0% $ 582 61.1% $ 20,956 46.5%
Mid-Atlantic . . . . . . . . . . . . . 2,194 10.6 1,585 6.8 33 3.5 3,812 8.5
South . . . . . . . . . . . . . . . . . . 2,541 12.2 10,941 46.9 58 6.1 13,540 30.1
Other . . . . . . . . . . . . . . . . . . . 1,464 7.1 4,960 21.3 279 29.3 6,703 14.9
Total . . . . . . . . . . . . . . . . . . . . . $ 20,750 100.0% $ 23,309 100.0% $ 952 100.0% $ 45,011 100.0%
Internal risk rating:(3)
Loans:
Noncriticized . . . . . . . . . . . . $ 20,276 97.7% $ 22,606 97.0% $ 941 98.9% $ 43,823 97.4%
Criticized performing . . . . . . 421 2.1 610 2.6 8 0.8 1,039 2.3
Criticized nonperforming . . . 53 0.2 93 0.4 3 0.3 149 0.3
Total . . . . . . . . . . . . . . . . . . . . . $ 20,750 100.0% $ 23,309 100.0% $ 952 100.0% $ 45,011 100.0%
(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.
CAPITAL ONE FINANCIAL CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued)
Capital One Financial Corporation (COF)