Capital One 2015 Annual Report Download - page 168

CAPITAL ONE FINANCIAL CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
149 Capital One Financial Corporation (COF)
December 31, 2015 December 31, 2014
(Dollars in millions) Amount
% of
Total(1) Amount
% of
Total(1)
Retail banking:
Louisiana. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,071 1.5 1,120 1.5
New York . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 921 1.3 881 1.2
Texas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 757 1.1 756 1.1
New Jersey . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 259 0.4 265 0.4
Maryland . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 180 0.3 167 0.2
Virginia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 151 0.2 132 0.2
Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 257 0.3 259 0.4
Total retail banking. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3,596 5.1 3,580 5.0
Total consumer banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 70,372 100.0% $ 71,439 100.0%
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(1) Percentages by geographic region are calculated based on the total held for investment consumer banking loans as of the end of the reported period.
Table 5.6: Consumer Banking: Net Charge-offs and Nonperforming Loans
Year Ended December 31,
2015 2014
(Dollars in millions) Amount Rate Amount Rate
Net charge-offs:(1)
Auto . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 674 1.69% $ 619 1.78%
Home loan(2) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 0.03 17 0.05
Retail banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 1.33 39 1.07
Total consumer banking(2) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 731 1.03 $ 675 0.95
December 31, 2015 December 31, 2014
(Dollars in millions) Amount Rate Amount Rate
Nonperforming Loans:(3)
Auto . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 219 0.53% $ 197 0.52%
Home loan(4) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 311 1.23 330 1.10
Retail banking. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 0.77 22 0.61
Total consumer banking(4) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 558 0.79 $ 549 0.77
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(1) Calculated for each loan category by dividing net charge-offs for the period by average loans held for investment during the period.
(2) Excluding the impact of Acquired Loans, the net charge-off rate for our home loan and total consumer banking portfolios were 0.13% and 1.45%, respectively,
for the year ended December 31, 2015, compared to 0.24% and 1.49%, respectively, for the year ended December 31, 2014.
(3) Calculated for each loan category by dividing nonperforming loans for the period by period end loans held for investment during the period.
(4) Excluding the impact of Acquired Loans, the nonperforming loan rates for our home loan and total consumer banking portfolios were 4.68% and 1.08%,
respectively, as of December 31, 2015, compared to 4.86% and 1.14%, respectively, as of December 31, 2014.