Attached files
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| 8-K - 8-K - CAPITAL ONE FINANCIAL CORP | cof-20210517.htm |
Exhibit 99.1
Capital One Financial Corporation
Monthly Charge-Off and Delinquency Metrics
As of and for the month ended April 30, 2021
| Loans Held for Investment | Net Charge-Offs | 30+ Day Performing Delinquencies | Nonperforming Loans | |||||||||||||||||||||||||||||||||||||||||||||||
| (Dollars in millions, except as noted) | Average | Period-End | Amount | Rate(1) | Amount | Rate(2) | Amount | Rate(3) | ||||||||||||||||||||||||||||||||||||||||||
Credit Card:(4) | ||||||||||||||||||||||||||||||||||||||||||||||||||
Domestic | $ | 89,944 | $ | 90,881 | $ | 180 | 2.40 | % | $ | 1,746 | 1.92 | % | N/A | N/A | ||||||||||||||||||||||||||||||||||||
| Consumer Banking: | ||||||||||||||||||||||||||||||||||||||||||||||||||
| Auto | 67,953 | 68,928 | (21) | (0.37) | 1,889 | 2.74 | $ | 173 | 0.25 | % | ||||||||||||||||||||||||||||||||||||||||
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(1)Net charge-off rate is calculated by dividing annualized net charge-offs for the period by average loans held for investment during the period for the specified loan category. Net charge-offs and the net charge-off rate are impacted periodically by fluctuations in recoveries, including impacts of debt sales.
(2)30+ day performing delinquency rate is 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.
(3)Nonperforming loan rate is calculated by dividing nonperforming loans as of the end of the period by period-end loans held for investment for the specified loan category.
(4)Period-end loans held for investment and average loans held for investment include billed finance charges and fees. 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. Billed finance charges and fees that are ultimately uncollectible are reflected as a reduction in revenue and not included in our net charge-offs.