Capital One Financial (COF) 8-K Capital One 2ND Quarter Earnings Release

Exhibit 99:3 CAPITAL ONE FINANCIAL CORPORATION
Consolidated Balance Sheets
(in thousands)(unaudited)
	June 30		March 31		June 30
	2001		2001		2000
Assets:
Cash and due from banks	$	134,918	$	49,842	$	100,999
Federal funds sold and resale agreements		39,770		247,676		10,000
Interest-bearing deposits at other banks		62,050		492,390		78,226
Cash and cash equivalents		236,738		789,908		189,225
Securities available for sale		2,554,967		2,112,180		1,507,770
Consumer loans		16,326,617		15,571,754		11,382,780
Less: Allowance for loan losses		(647,000)		(597,000)		(407,000)
Net loans		15,679,617		14,974,754		10,975,780
Premises and equipment, net		729,525		709,207		545,262
Interest receivable		79,089		108,944		51,799
Accounts receivable from securitizations		1,708,055		1,492,818		1,302,424
Other		672,338		614,194		554,631
Total assets	$	21,660,329	$	20,802,005	$	15,126,891
Liabilities:
Interest-bearing deposits	$	10,029,736	$	9,390,524	$	5,288,927
Other borrowings		2,320,734		1,845,509		2,773,050
Senior notes		4,757,481		5,040,761		4,176,394
Interest payable		151,429		135,863		96,493
Other		1,659,412		1,940,103		1,146,451
Total liabilities		18,918,792		18,352,760		13,481,315
Stockholders' Equity:
Common stock		2,118		2,086		1,997
Paid-in capital, net		1,089,582		974,503		578,915
Retained earnings and cumulative other comprehensive income		1,695,468		1,519,855		1,197,370
Less: Treasury stock, at cost		(45,631)		(47,199)		(132,706)
Total stockholders' equity		2,741,537		2,449,245		1,645,576
Total liabilities and stockholders' equity	$	21,660,329	$	20,802,005	$	15,126,891