Capital One 2015 Annual Report Download - page 165

CAPITAL ONE FINANCIAL CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
146 Capital One Financial Corporation (COF)
December 31, 2014
(Dollars in millions) Current
30-59
Days
60-89
Days
> 90
Days
Total
Delinquent
Loans
Acquired
Loans
Total
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:
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 loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 97 3 2 9 14 0 111
Total loans(3) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 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%
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(1) Includes installment loans of $16 million and $144 million as of December 31, 2015 and 2014, respectively.
(2) Includes loans acquired in the GE Healthcare acquisition. At acquisition date of December 1, 2015, we recorded $8.2 billion of loans held for investment,
of which $7.4 billion accounted for based on amortized cost and $847 million accounted for based on expected cash flows to be collected. See “Note 2—
Business Developments” for additional information about the GE Healthcare acquisition.
(3) Loans, as presented, are net of unearned income, unamortized premiums and discounts, and unamortized deferred fees and costs totaling $989 million and
$1.1 billion as of December 31, 2015 and 2014, respectively.
Table 5.2 presents the outstanding balance of loans 90 days or more past due that continue to accrue interest and loans classified
as nonperforming as of December 31, 2015 and 2014.
Table 5.2: 90+ Day Delinquent Loans Accruing Interest and Nonperforming Loans(1)
December 31, 2015 December 31, 2014
(Dollars in millions)
> 90 Days
and Accruing
Nonperforming
Loans
> 90 Days
and Accruing
Nonperforming
Loans
Credit Card:
Domestic credit card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 1,421 $ 0 $ 1,181 $ 0
International credit card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 79 53 73 70
Total credit card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,500 53 1,254 70
Consumer Banking:
Auto. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0 219 0 197
Home loan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0 311 0 330
Retail banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0 28 1 22
Total consumer banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0 558 1 549