Capital One 2015 Annual Report Download - page 173
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CAPITAL ONE FINANCIAL CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
154 Capital One Financial Corporation (COF)
December 31, 2014
(Dollars in millions)
With an
Allowance
Without
an
Allowance
Total
Recorded
Investment
Related
Allowance
Net
Recorded
Investment
Unpaid
Principal
Balance
Credit Card:
Domestic credit card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 546 $ 0 $ 546 $ 145 $ 401 $ 531
International credit card. . . . . . . . . . . . . . . . . . . . . . . . . . . . 146 0 146 74 72 141
Total credit card(2) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 692 0 692 219 473 672
Consumer Banking:
Auto(3) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 230 205 435 19 416 694
Home loan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 218 149 367 17 350 472
Retail banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 5 50 6 44 52
Total consumer banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 493 359 852 42 810 1,218
Commercial Banking:
Commercial and multifamily real estate . . . . . . . . . . . . . . . 120 26 146 23 123 163
Commercial and industrial. . . . . . . . . . . . . . . . . . . . . . . . . . 161 55 216 16 200 233
Total commercial lending . . . . . . . . . . . . . . . . . . . . . . . . . 281 81 362 39 323 396
Small-ticket commercial real estate. . . . . . . . . . . . . . . . . . . 3 5 8 0 8 10
Total commercial banking. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 284 86 370 39 331 406
Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 1,469 $ 445 $ 1,914 $ 300 $ 1,614 $ 2,296
Year Ended December 31,
2015 2014
(Dollars in millions)
Average
Recorded
Investment
Interest
Income
Recognized
Average
Recorded
Investment
Interest
Income
Recognized
Credit Card:
Domestic credit card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 539 $ 57 $ 571 $ 58
International credit card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 135 10 160 11
Total credit card(2) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 674 67 731 69
Consumer Banking:
Auto(3) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 462 82 387 72
Home loan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 364 4 388 5
Retail banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56 2 69 2
Total consumer banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 882 88 844 79
Commercial Banking:
Commercial and multifamily real estate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 109 3 175 6
Commercial and industrial. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 466 5 185 4
Total commercial lending . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 575 8 360 10
Small-ticket commercial real estate. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 0 8 0
Total commercial banking. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 582 8 368 10
Total. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 2,138 $ 163 $ 1,943 $ 158
__________
(1) Impaired loans include loans modified in TDRs, all nonperforming commercial loans and nonperforming home loans with a specific impairment. Impaired
loans without an allowance generally represent loans that have been charged down to the fair value of the underlying collateral for which we believe no
additional losses have been incurred, or where the fair value of the underlying collateral meets or exceeds the loan’s amortized cost.
(2) Credit card loans include finance charges and fees.
(3) Although auto loans from loan recovery inventory are not reported in our loans held for investment, they are included as impaired loans above since they
are reported as TDRs.