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8-K - FORM 8-K - CAPITAL ONE FINANCIAL CORPd466027d8k.htm

Exhibit 99.1

Capital One Financial Corporation

Monthly Charge-off and Delinquency Statistics

As of and for the month ended December 31, 2012

(Dollars in millions)

 

     December 2012  

Domestic Card Metrics(1)

  

Net principal charge-offs

   $ 297   

Average loans held for investment

     82,093   

Net charge-off rate(2)

     4.35

30+ day performing delinquencies

     3,001   

Period-end loans held for investment

   $ 83,140   

30+ day performing delinquency rate(3)

     3.61

International Card Metrics(1)

  

Net principal charge-offs(4)

   $ (6

Average loans held for investment

     8,454   

Net charge-off rate(2)(4)

     (0.88 )% 

30+ day performing delinquencies

   $ 308   

Nonperforming loans

     100   

Period-end loans held for investment

     8,614   

30+ day performing delinquency rate(3)

     3.58

Nonperforming loan rate(5)

     1.16

Auto Finance Metrics

  

Net principal charge-offs

   $ 56   

Average loans held for investment

     27,112   

Net charge-off rate(2)

     2.49

30+ day performing delinquencies

   $ 1,900   

Nonperforming loans

     149   

Period-end loans held for investment

     27,123   

30+ day performing delinquency rate(3)

     7.00

Nonperforming loan rate(5)

     0.55

 

(1) 

Period-end loans held for investment and average loans held for investment include accrued finance charges and fees, net of the estimated uncollectible amount. We recognize billed finance charges and fee income on open-ended loans in accordance with the contractual provisions of the credit arrangements and estimate the uncollectible amount on a quarterly basis. The estimated uncollectible amount of billed finance charges and fees is reflected as a reduction in revenue and is not included in our net charge-offs.

(2) 

Calculated by dividing annualized net charge-offs for the period by average loans held for investment during the period for the specified loan category.

(3) 

Calculated by dividing 30+ day performing delinquent loans as of the end of the period by period-end loans held for investment for the specified loan category.

(4) 

Net principal charge-offs and the net charge-off rate for International Card reflect the impact of excess recoveries due to a high-volume of debt sales in December 2012.

(5) 

Calculated by dividing nonperforming loans as of the end of the period by period-end loans held for investment for the specified loan category.