Capital One Bank (USA), National Association in Glen Allen, Virginia (VA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Capital One Bank (USA), National Association in Glen Allen, Virginia (VA)
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Capital One Bank (USA), National Association - Overview

  • General
  • FDIC Certificate #: 33954
    Status: Active
    Federal Reserve ID: 2253891
    Bank Holding Company (Regulatory Top Holder): Capital One Financial Corporation (RSSDID: 2277860, Location: Mclean, VA)
    Date Established: November 22, 1994
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 1, Foreign: 2, Interstate: No)
    FDIC's unique #: 55326
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Credit Card Institutions: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: Yes
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Credit-Card Specialization
    Date of Deposit Insurance: November 22, 1994
    Last Structure Change Effective Date: March 01, 2008
    Last Structure Change Process Date: April 08, 2008
    Last Data Update: April 08, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 4851 Cox Road, Glen Allen, VA 23060
    County: Henrico
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Richmond
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Richmond-Petersburg, VA (#6760)
    Core Based Statistical Area (CBSA): Richmond, VA (#40060)
    CBSA Metro Statistical Area: Richmond, VA (#40060)
  • History of Changes
  • Change in Chartering Agent
    Name Change
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $71,108.3 mil
    Equity capital: $7,091.0 mil
    Deposits held in domestic offices: $40,348.5 mil
    Return on assets (ROA): 3.47% ($2,467.4 mil)
    Quarterly return on assets: 2.33% ($1,656.8 mil)
    Return on Equity (ROE): 34.96% ($2,479.0 mil)
    Quarterly return on equity: 21.71% ($1,539.5 mil)
    Net income: $2,456.4 mil
    Quarterly Net income: $408.6 mil
    Pretax return on assets: 5.06% ($3,598,079.0 mil)
    Quarterly Pretax return on assets: 3.63% ($2,581,230.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 9,941Total employees (full-time equivalent)
  • $71,108,281Total assets
  • $1,811,731Cash and due from depository institutions
  • $1,146,351Interest-bearing balances
  • $9,338,450Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $55,433,337Net loans & leases
  • $2,693,768Loan loss allowance
  • $0Trading account assets
  • $771,105Bank premises and fixed assets
  • $0Other real estate owned
  • $155,681Goodwill and other intangibles
  • $71,108,281Life insurance assets
  • $3,597,977All other assets
  • $64,014,014Total liabilities and capital
  • $40,450,991Total liabilities
  • $40,190,281Total deposits
  • $40,348,532Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $17,587,607Trading liabilities
  • $2,275,986Other borrowed funds
  • $3,699,430Subordinated debt
  • $7,094,267All other liabilities
  • $7,090,997Total equity capital
  • $7,090,997Total bank equity capital
  • $0Perpetual preferred stock
  • $100,000Common stock
  • $4,756,757Surplus
  • $2,234,240Undivided profits
  • Memoranda
  • $3,270Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,100,432Income earned, not collected on loans
  • $1,494Earning assets
  • $474,525Long-term assets (5+ years)
  • $65,918,138Average Assets, year-to-date
  • $2,339,515Average Assets, quarterly
  • $70,756,289Volatile liabilities
  • $69,994,418Insider loans
  • $62,465,023FHLB advances
  • $68,112,176Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,970,991Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $171,643,416Restructured Loans and leases
  • $294Derivatives
  • $9,451,703Total assets and liabilities in foreign offices

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,709,537Total interest income
  • $1,011,368Total interest expense
  • $7,698,169Net interest income
  • $1,764,294Provision for loan and lease losses
  • $2,650,911Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,650,911Additional noninterest income
  • $5,038,744Total noninterest expense
  • $111,273Salaries and employee benefits
  • $108,672Premises and equipment expense
  • $4,818,799Additional noninterest expense
  • $3,546,042Pre-tax net operating income
  • $33,212Securities gains (losses)
  • $1,122,722Applicable income taxes
  • $2,456,532Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,456,386Net income attributable to bank
  • $146Net charge-offs
  • $2,456,532Cash dividends
  • $2,816,563Sale, conversion, retirement of capital stock, net
  • $1,250,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 13.37%Yield on earning assets
  • 1.55%Cost of funding earning assets
  • 11.82%Net interest margin
  • 4.07%Noninterest income to earning assets
  • 7.74%Noninterest expense to earning assets
  • 3.44%Net operating income to assets
  • 3.47%Return on assets (ROA)
  • 5.06%Pretax return on assets
  • 34.96%Return on equity (ROE)
  • 17.17%Retained earnings to average equity (YTD only)
  • 4.97%Net charge-offs to loans
  • 62.64%Credit loss provision to net charge-offs
  • 1.89%Efficiency ratio
  • 48,468Assets per employee
  • 7.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.89%Loss allowance to loans
  • 4.63%Loss allowance to noncurrent loans
  • 244.79%Noncurrent assets plus other real estate owned to assets
  • 1.55%Noncurrent loans to loans
  • 1.89%Net loans and leases to deposits
  • 137.04%Net loans and leases to core deposits
  • 187.02%Equity capital to assets
  • 9.97%Core capital (leverage) ratio
  • 10.23%Tier 1 risk-based capital ratio
  • 11.16%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $70,756,289Average earning assets
  • $7,026,745Average equity
  • $65,134,168Average loans

Bank Assets Sold and Securitized (December 31, 2009)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $01-4 family residential loans
  • $0Home equity lines
  • $45,129,952Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $0Commercial and industrial loans

List of branches

  • 2 Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1462443Capital One London Branch18 Hanover Square, London, 0May 29, 1996Full Service Brick and Mortar
    2462444Capital One Bank Canada Br5650 Yonge Street, 13th Floor, North York, 0Febuary 01, 2001Full Service Brick and Mortar
  • 1 Virginia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    055326Capital One Bank (Usa), National Association4851 Cox Road, Glen Allen, VA 23060November 22, 1994Full Service Brick and Mortar

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