Exhibit 99:2 CAPITAL ONE FINANCIAL CORPORATION (COF) | ||||||||||||
FINANCIAL & STATISTICAL SUMMARY | ||||||||||||
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| 2001 |
| 2001 |
| 2000 |
| 2000 |
| 2000 |
| ||
(in millions, except per share data and as noted) | Q2 |
| Q1 |
| Q4 |
| Q3 |
| Q2 |
| ||
Earnings (Managed Basis) |
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|
|
|
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Net Interest Income | $823.7 |
| $759.3 |
| $716.1 |
| $ 665.1 |
| $614.4 |
| ||
Non-Interest Income | 796.3 |
| 747.1 |
| 696.5 |
| 619.9 |
| 554.4 |
| ||
Total Revenue | 1,620.0 |
| 1,506.4 |
| 1,412.5 |
| 1,285.0 |
| 1,168.8 |
| ||
Provision for Loan Losses | 379.1 |
| 356.5 |
| 329.1 |
| 269.0 |
| 245.0 |
| ||
Marketing Expenses | 268.7 |
| 231.2 |
| 259.5 |
| 233.2 |
| 211.6 |
| ||
Operating Expenses | 721.6 |
| 687.0 |
| 617.1 |
| 585.8 |
| 530.7 |
| ||
Income Before Taxes | 250.5 |
| 231.6 |
| 206.9 |
| 197.0 |
| 181.5 |
| ||
Tax Rate | 38.0 | % | 38.0 | % | 38.0 | % | 38.0 | % | 38.0 | % | ||
Net Income | $155.3 |
| $143.6 |
| $128.3 |
| $122.1 |
| $112.5 |
| ||
Common Share Statistics |
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|
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Basic EPS | $0.74 |
| $0.70 |
| $0.65 |
| $0.62 |
| $0.57 |
| ||
Diluted EPS | $0.70 |
| $0.66 |
| $0.61 |
| $0.58 |
| $0.54 |
| ||
Dividends Per Share | $0.03 |
| $0.03 |
| $0.03 |
| $0.03 |
| $0.03 |
| ||
Book Value Per Share (period end) | $13.02 |
| $11.81 |
| $9.94 |
| $9.02 |
| $8.39 |
| ||
Stock Price Per Share (period end) | $60.15 |
| $55.50 |
| $65.81 |
| $70.06 |
| $44.63 |
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Total Market Capitalization (period end) | $12,666.5 |
| $11,509.1 |
| $12,989.3 |
| $13,783.1 |
| $8,747.4 |
| ||
Shares Outstanding (period end) | 210.6 |
| 207.4 |
| 197.4 |
| 196.7 |
| 196.0 |
| ||
Shares Used to Compute Basic EPS | 209.1 |
| 204.8 |
| 197.0 |
| 196.3 |
| 196.0 |
| ||
Shares Used to Compute Diluted EPS | 221.2 |
| 217.8 |
| 210.4 |
| 210.1 |
| 208.6 |
| ||
Managed Loan Statistics (period avg.) |
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|
|
|
|
|
|
|
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Average Loans | $33,440 |
| $30,505 |
| $26,377 |
| $23,020 |
| $20,915 |
| ||
Average Earning Assets | $36,180 |
| $32,983 |
| $28,188 |
| $24,749 |
| $22,581 |
| ||
Average Assets | $38,820 |
| $35,303 |
| $30,234 |
| $27,015 |
| $24,567 |
| ||
Average Equity | $2,608 |
| $2,347 |
| $1,865 |
| $1,743 |
| $1,626 |
| ||
Net Interest Margin | 9.11 | % | 9.21 | % | 10.16 | % | 10.75 | % | 10.88 | % | ||
Risk Adjusted Margin (1) | 14.23 | % | 14.80 | % | 16.32 | % | 17.24 | % | 17.03 | % | ||
Return on Average Assets (ROA) | 1.60 | % | 1.63 | % | 1.70 | % | 1.81 | % | 1.83 | % | ||
Return on Average Equity (ROE) | 23.83 | % | 24.47 | % | 27.51 | % | 28.02 | % | 27.68 | % | ||
Net Charge-Off Rate | 3.98 | % | 3.75 | % | 3.98 | % | 3.80 | % | 3.97 | % | ||
Net Charge-Offs | $332.8 |
| $285.9 |
| $262.3 |
| $218.4 |
| $207.6 |
| ||
Cost Per Account (in dollars) | $77.38 |
| $78.26 |
| $78.09 |
| $82.84 |
| $80.97 |
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Managed Loan Statistics (period end) |
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|
|
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Reported Loans | $16,327 |
| $15,572 |
| $15,113 |
| $12,331 |
| $11,383 |
| ||
Securitized Loans | 18,956 |
| 15,979 |
| 14,411 |
| 11,821 |
| 10,500 |
| ||
Total Loans | $35,283 |
| $31,551 |
| $29,524 |
| $24,152 |
| $21,883 |
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Delinquency Rate (30+ days) | 4.92 | % | 4.72 | % | 5.23 | % | 5.32 | % | 5.35 | % | ||
Number of Accounts (000's) | 38,146 |
| 36,462 |
| 33,774 |
| 29,437 |
| 27,133 |
| ||
Total Assets | $40,587 |
| $36,749 |
| $33,286 |
| $28,185 |
| $25,610 |
| ||
Capital, Including Preferred Interests | $2,840.1 |
| $2,547.7 |
| $2,061.0 |
| $1,873.8 |
| $1,743.9 |
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Capital to Managed Assets Ratio | 7.00 | % | 6.93 | % | 6.19 | % | 6.65 | % | 6.81 | % | ||
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(1) Risk adjusted margin is total revenue less net charge-offs as a percentage of average earning assets, annualized | ||||||||||||
