Exhibit 99.2

Capital One Financial Corporation

Financial Supplement

      Third Quarter 2012 ⁽¹⁾⁽²⁾

Table of Contents

		Page
Capital One Financial Corporation Consolidated
Table    1:	Financial & Statistical Summary—Consolidated		1
Table    2:	Notes to Consolidated Financial & Statistical Summary (Table 1)		2
Table    3:	Consolidated Statements of Income		3
Table    4:	Consolidated Balance Sheets		4
Table    5:	Average Balances, Net Interest Income and Net Interest Margin		5
Table    6:	Loan Information and Performance Statistics		6
Table    7:	Loan Information and Performance Statistics (Excluding Acquired Loans) (3)		7
Business Segment Detail
Table    8:	Financial & Statistical Summary—Credit Card Business		8
Table    9:	Financial & Statistical Summary—Consumer Banking Business		9
Table  10:	Financial & Statistical Summary—Commercial Banking Business		10
Table  11:	Financial & Statistical Summary—Other and Total		11
Table  12:	Notes to Loan and Business Segment Disclosures (Tables 6 — 11)		12
Other
Table  13:	Reconciliation of Non-GAAP Measures and Calculation of Regulatory Capital Measures		13

⁽¹⁾  The information contained in this Financial Supplement is preliminary and based on data available at the time of the earnings presentation, and investors should refer to our September 30, 2012 Quarterly Report on Form 10-Q once it is filed with the Securities and Exchange Commission.

⁽²⁾  References to ING Direct refer to the business and assets acquired and liabilities assumed in the February 17, 2012 acquisition. References to HSBC refer to the May 1, 2012 transaction in which we acquired substantially all of HSBC’s credit card and private-label credit card business in the United States (“HSBC U.S. card”).

⁽³⁾  We use the term “acquired loans” to refer to a limited portion of the credit card loans acquired in the HSBC U.S. card acquisition and the substantial majority of loans acquired in the ING Direct and Chevy Chase Bank (“CCB”) acquisitions, which were recorded at fair value at acquisition and subsequently accounted for based on estimated cash flows expected to be collected over the life of the loans (under the accounting standard formerly known as “SOP 03-3”). Because SOP 03-3 takes into consideration future credit losses expected to be incurred over the life of the loans, there are no charge-offs or an allowance associated with these loans unless the estimated cash flows expected to be collected decrease subsequent to acquisition. In addition, these loans are not classified as delinquent or nonperforming even though the customer may be contractually past due because we expect that we will fully collect the carrying value of these loans. The accounting and classification of these loans may significantly alter some of our reported credit quality metrics. We therefore supplement certain reported credit quality metrics with metrics adjusted to exclude the impact of these acquired loans.

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 1: Financial & Statistical Summary—Consolidated ^(1)(2)(3)

(Dollars in millions, except per share data and as noted) (unaudited)	2012 Q3			2012 Q2			2012 Q1			2011 Q4			2011 Q3
Earnings
Net interest income	$	4,646		$	4,001		$	3,414		$	3,182		$	3,283
Non-interest income (4) (5)		1,136			1,054			1,521			868			871
Total net revenue (6)		5,782			5,055			4,935			4,050			4,154
Provision for credit losses		1,014			1,677			573			861			622
Marketing expenses		316			334			321			420			312
Operating expenses (7)		2,729			2,808			2,183			2,198			1,985
Income from continuing operations before income taxes		1,723			236			1,858			571			1,235
Income tax provision		535			43			353			160			370
Income from continuing operations, net of tax		1,188			193			1,505			411			865
Loss from discontinued operations, net of tax (4)		(10	)		(100	)		(102	)		(4	)		(52	)
Net income		1,178			93			1,403			407			813
Dividends and undistributed earnings allocated to participating securities		(5	)		(1	)		(7	)		(26	)		—
Net income available to common stockholders	$	1,173		$	92		$	1,396		$	381		$	813
Common Share Statistics
Basic EPS (8):
Income from continuing operations, net of tax	$	2.05		$	0.33		$	2.94		$	0.89		$	1.89
Loss from discontinued operations, net of tax		(0.02	)		(0.17	)		(0.20	)		(0.01	)		(0.11	)
Net income per common share	$	2.03		$	0.16		$	2.74		$	0.88		$	1.78
Diluted EPS (8):
Income from continuing operations, net of tax	$	2.03		$	0.33		$	2.92		$	0.89		$	1.88
Loss from discontinued operations, net of tax		(0.02	)		(0.17	)		(0.20	)		(0.01	)		(0.11	)
Net income per common share	$	2.01		$	0.16		$	2.72		$	0.88		$	1.77
Weighted average common shares outstanding (in millions):
Basic EPS		578.3			577.7			508.7			456.2			456.0
Diluted EPS		584.1			582.8			513.1			458.5			460.4
Common shares outstanding (period end, in millions)		581.3			580.7			580.2			459.9			459.6
Dividends per common share	$	0.05		$	0.05		$	0.05		$	0.05		$	0.05
Tangible book value per common share (period end) (9)		40.17			35.67			39.37			34.26			33.56
Balance Sheet (Period End)
Loans held for investment (10)	$	203,132		$	202,749		$	173,822		$	135,892		$	129,952
Interest-earning assets		270,661			264,331			265,398			179,878			174,307
Total assets		301,989			296,572			294,481			206,019			200,148
Interest-bearing deposits		192,488			193,859			197,254			109,945			110,777
Total deposits		213,255			213,931			216,528			128,226			128,318
Borrowings		38,377			35,874			32,885			39,561			34,315
Stockholders’ equity		39,672			37,192			36,950			29,666			29,378
Balance Sheet (Quarterly Average Balances)
Average loans held for investment (10)	$	202,856		$	192,632		$	152,900		$	131,581		$	129,043
Average interest-earning assets		266,803			265,019			220,246			176,271			177,531
Average total assets		297,154			295,306			246,384			200,106			201,611
Average interest-bearing deposits		193,700			195,597			151,625			109,914			110,750
Average total deposits		213,323			214,914			170,259			128,450			128,268
Average borrowings		36,451			35,418			35,994			34,811			37,366
Average stockholders’ equity		38,535			37,533			32,982			29,698			29,316
Performance Metrics
Net interest income growth (quarter over quarter)		16	%		17	%		7	%		(3	)%		5	%
Non-interest income growth (quarter over quarter)		8			(31	)		75			—			2
Total net revenue growth (quarter over quarter)		14			2			22			(3	)		4
Total net revenue margin (11)		8.67			7.63			8.96			9.19			9.36
Net interest margin (12)		6.97			6.04			6.20			7.22			7.40
Return on average assets (13)		1.60			0.26			2.44			0.82			1.72
Return on average total stockholders’ equity (14)		12.33			2.06			18.25			5.54			11.80
Return on average tangible common equity (15)		21.48			3.53			31.60			10.43			22.58
Non-interest expense as a % of average loans held for investment (16)		6.00			6.52			6.55			7.96			7.12
Efficiency ratio (17)		52.66			62.16			50.74			64.64			55.30
Effective income tax rate		31.1			18.2			19.0			28.0			30.0
Full-time equivalent employees (in thousands), period end		37.6			37.4			34.2			30.5			29.5
Credit Quality Metrics (10) (18)
Allowance for loan and lease losses	$	5,154		$	4,998		$	4,060		$	4,250		$	4,280
Allowance as a % of loans held for investment		2.54	%		2.47	%		2.34	%		3.13	%		3.29	%
Allowance as a % of loans held for investment (excluding acquired loans)		3.11			3.08			3.08			3.22			3.40
Net charge-offs	$	887		$	738		$	780		$	884		$	812
Net charge-off rate (19)		1.75	%		1.53	%		2.04	%		2.69	%		2.52	%
Net charge-off rate (excluding acquired loans) (19)		2.18			1.96			2.40			2.79			2.62
30+ day performing delinquency rate		2.54			2.06			2.23			3.35			3.13
30+ day performing delinquency rate (excluding acquired loans)		3.15			2.59			2.96			3.47			3.25
30+ day delinquency rate (20)		**			2.43			2.69			3.95			3.81
30+ day delinquency rate (excluding acquired loans) (20)		**			3.06			3.57			4.09			3.95
Capital Ratios (21)
Tier 1 common ratio (22)		10.7	%		9.9	%		11.9	%		9.7	%		10.0	%
Tier 1 risk-based capital ratio (23)		12.7			11.6			13.9			12.0			12.4
Total risk-based capital ratio (24)		15.0			14.0			16.5			14.9			15.4
Tangible common equity (“TCE”) ratio (25)		8.2			7.4			8.2			8.2			8.3

Page 1

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 2: Notes to Consolidated Financial & Statistical Summary (Table 1)

⁽¹⁾  Certain prior period amounts have been reclassified to conform to the current period presentation.

⁽²⁾  Results for Q2 2012 and thereafter include the impact of the May 1, 2012 closing of the HSBC transaction, which resulted in the addition of approximately $28.2 billion in credit card receivables at closing.

⁽³⁾  Results for Q1 2012 and thereafter include the impact of the February 17, 2012 acquisition of ING Direct, which resulted in the addition of loans of $40.4 billion, other assets of $53.9 billion and deposits of $84.4 billion at acquisition.

⁽⁴⁾  We did not record a provision for repurchase losses in Q3 2012. We recorded a provision for repurchase losses of $180 million in Q2 2012, $169 million in Q1 2012, $59 million in Q4 2011 and $72 million in Q3 2011. The majority of the provision for repurchase losses is generally included net of tax in discontinued operations, with the remaining amount included pre-tax in non-interest income. The mortgage representation and warranty reserve decreased to $919 million as of September 30, 2012, from $1.0 billion as of June 30, 2012, due to the settlement of claims in Q3 2012 totaling $83 million.

⁽⁵⁾  Includes a bargain purchase gain of $594 million recognized in earnings in Q1 2012 attributable to the February 17, 2012 acquisition of ING Direct.

⁽⁶⁾  Total net revenue was reduced by $185 million in Q3 2012, $311 million in Q2 2012, $123 million in Q1 2012, $130 million in Q4 2011 and $24 million in Q3 2011, for the estimated uncollectible amount of billed finance charges and fees. Premium amortization related to the HSBC U.S. card and ING Direct acquisitions reduced revenue by $133 million for Q3 2012, $104 million in Q2 2012, and $30 million in Q1 2012.

⁽⁷⁾  Includes merger-related expenses, including transaction costs, attributable to acquisitions of $48 million in Q3 2012, $133 million in Q2 2012, $86 million in Q1 2012, $27 million in Q4 2011, and $18 million in Q3 2011. Also includes intangible amortization expense related to purchased credit card relationships (“PCCR”) from the HSBC U.S. card acquisition of $127 million in Q3 2012 and $85 million in Q2 2012. Other asset and intangible amortization expense related to the HSBC U.S. Card and ING Direct acquisitions totaled $42 million in Q3 2012, $41 million in Q2 2012, and $16 million in Q1 2012.

⁽⁸⁾  Earnings per share is computed independently for each period. Accordingly, the sum of the quarterly earnings per share amounts may not agree to the year-to-date amounts.

⁽⁹⁾  Tangible book value per common share is a non-GAAP measure calculated based on tangible common equity divided by common shares outstanding. See “Table 13: Reconciliation of Non-GAAP Measures and Calculation of Regulatory Capital Measures” for the calculation of tangible common equity.

⁽¹⁰⁾  See “Table 12: Notes to Loan and Business Segment Disclosures (Tables 6 — 11)” for information on acquired loans accounted for based on estimated cash flows expected to be collected.

⁽¹¹⁾  Calculated based on annualized total net revenue for the period divided by average interest-earning assets for the period.

⁽¹²⁾  Calculated based on annualized net interest income for the period divided by average interest-earning assets for the period.

⁽¹³⁾  Calculated based on annualized income from continuing operations, net of tax, for the period divided by average total assets for the period.

⁽¹⁴⁾  Calculated based on annualized income from continuing operations, net of tax, for the period divided by average stockholders’ equity for the period.

⁽¹⁵⁾  Calculated based on annualized income from continuing operations, net of tax, for the period divided by average tangible common equity for the period.

⁽¹⁶⁾  Calculated based on annualized non-interest expense for the period divided by average loans held for investment for the period.

⁽¹⁷⁾  Calculated based on non-interest expense, excluding goodwill impairment charges, for the period divided by total net revenue for the period.

⁽¹⁸⁾  Loans acquired as part of the HSBC U.S. card, ING Direct and CCB acquisitions classified as held for investment are included in the denominator used in calculating our reported credit quality metrics. We supplement certain reported credit quality metrics with metrics adjusted to exclude from the denominator acquired loans accounted for based on estimated expected cash flows to be collected (formerly SOP 03-3). See “Table 7: Loan Information and Performance Statistics (Excluding Acquired Loans)” for additional information.

⁽¹⁹⁾  Calculated based on annualized net charge-offs for the period divided by average loans held for investment for the period.

⁽²⁰⁾  The 30+ day total delinquency rate as of the end of Q3 2012 will be provided in the September 30, 2012 Quarterly Report on Form 10-Q.

⁽²¹⁾  Regulatory capital ratios as of the end of Q3 2012 are preliminary and therefore subject to change.

⁽²²⁾  Tier 1 common ratio is a regulatory capital measure calculated based on Tier 1 common capital divided by risk-weighted assets. See “Table 13: Reconciliation of Non-GAAP Measures and Calculation of Regulatory Capital Measures” for the calculation of this ratio.

⁽²³⁾  Tier 1 risk-based capital ratio is a regulatory capital measure calculated based on Tier 1 capital divided by risk-weighted assets. See “Table 13: Reconciliation of Non-GAAP Measures and Calculation of Regulatory Capital Measures” for the calculation of this ratio.

⁽²⁴⁾  Total risk-based capital ratio is a regulatory capital measure calculated based on total risk-based capital divided by risk-weighted assets. See “Table 13: Reconciliation of Non-GAAP Measures and Calculation of Regulatory Capital Measures” for the calculation of this ratio.

⁽²⁵⁾  TCE ratio is a non-GAAP measure calculated based on tangible common equity divided by tangible assets. See “Table 13: Reconciliation of Non-GAAP Measures and Calculation of Regulatory Capital Measures” for the calculation of this ratio and non-GAAP reconciliation.

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CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 3: Consolidated Statements of Income

	Three Months Ended									Nine Months Ended
(Dollars in millions, except per share data) (unaudited)	September 30, 2012			June 30, 2012			September 30, 2011			September 30, 2012			September 30, 2011
Interest income:
Loans held for investment	$	4,901		$	4,255		$	3,550		$	12,811		$	10,334
Investment securities		335			335			264			968			893
Other		18			26			21			70			59
Total interest income		5,254			4,616			3,835			13,849			11,286
Interest expense:
Deposits		371			373			294			1,055			923
Securitized debt obligations		64			69			89			213			342
Senior and subordinated notes		85			87			84			260			211
Other borrowings		88			86			85			260			251
Total interest expense		608			615			552			1,788			1,727
Net interest income		4,646			4,001			3,283			12,061			9,559
Provision for credit losses		1,014			1,677			622			3,264			1,499
Net interest income after provision for credit losses		3,632			2,324			2,661			8,797			8,060
Non-interest income:
Service charges and other customer-related fees		557			539			542			1,511			1,527
Interchange fees, net		452			408			321			1,188			972
Net other-than-temporary impairment losses recognized in earnings		(13	)		(13	)		(6	)		(40	)		(15	)
Bargain purchase gain (1)		—			—			—			594			—
Other		140			120			14			458			186
Total non-interest income		1,136			1,054			871			3,711			2,670
Non-interest expense:
Salaries and associate benefits		1,002			971			750			2,837			2,206
Marketing		316			334			312			971			917
Communications and data processing		198			203			178			573			504
Supplies and equipment		209			178			143			534			402
Occupancy		145			145			122			413			359
Merger-related expenses		48			133			18			267			18
Other		1,127			1,178			774			3,096			2,308
Total non-interest expense		3,045			3,142			2,297			8,691			6,714
Income from continuing operations before income taxes		1,723			236			1,235			3,817			4,016
Income tax provision		535			43			370			931			1,174
Income from continuing operations, net of tax		1,188			193			865			2,886			2,842
Loss from discontinued operations, net of tax		(10	)		(100	)		(52	)		(212	)		(102	)
Net income		1,178			93			813			2,674			2,740
Dividends and undistributed earnings allocated to participating securities		(5	)		(1	)		—			(12	)		—
Net income available to common stockholders	$	1,173		$	92		$	813		$	2,662		$	2,740
Basic earnings per common share:
Income from continuing operations	$	2.05		$	0.33		$	1.89		$	5.18		$	6.24
Loss from discontinued operations		(0.02	)		(0.17	)		(0.11	)		(0.38	)		(0.22	)
Net income per basic common share	$	2.03		$	0.16		$	1.78		$	4.80		$	6.02
Diluted earnings per common share:
Income from continuing operations	$	2.03		$	0.33		$	1.88		$	5.13		$	6.17
Loss from discontinued operations		(0.02	)		(0.17	)		(0.11	)		(0.38	)		(0.22	)
Net income per diluted common share	$	2.01		$	0.16		$	1.77		$	4.75		$	5.95
Weighted average common shares outstanding (in millions):
Basic EPS		578.3			577.7			456.0			555.0			455.2
Diluted EPS		584.1			582.8			460.4			560.1			461.0
Dividends paid per common share	$	0.05		$	0.05		$	0.05		$	0.15		$	0.15

⁽¹⁾  Represents the excess of the fair value of the net assets acquired in the ING Direct acquisition as of the acquisition date of February 17, 2012 over the consideration transferred.

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CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 4: Consolidated Balance Sheets

(Dollars in millions)(unaudited)	September 30, 2012			June 30, 2012			December 31, 2011			September 30, 2011
Assets:
Cash and due from banks	$	1,855		$	2,297		$	2,097		$	1,794
Interest-bearing deposits with banks		3,860			3,352			3,399			3,238
Federal funds sold and securities purchased under agreements to resell		254			330			342			1,326
Cash and cash equivalents		5,969			5,979			5,838			6,358
Restricted cash for securitization investors		760			370			791			984
Securities available for sale, at fair value		61,464			55,289			38,759			38,400
Loans held for investment:
Unsecuritized loans held for investment		159,219			158,680			88,242			83,010
Restricted loans for securitization investors		43,913			44,069			47,650			46,942
Total loans held for investment		203,132			202,749			135,892			129,952
Less: Allowance for loan and lease losses		(5,154	)		(4,998	)		(4,250	)		(4,280	)
Net loans held for investment		197,978			197,751			131,642			125,672
Loans held for sale, at lower-of-cost-or-fair-value		187			1,047			201			312
Accounts receivable from securitizations		166			96			94			101
Premises and equipment, net		3,519			3,556			2,748			2,785
Interest receivable		1,614			1,623			1,029			958
Goodwill		13,901			13,864			13,592			13,593
Other		16,431			16,997			11,325			10,985
Total assets	$	301,989		$	296,572		$	206,019		$	200,148
Liabilities:
Interest payable	$	368		$	462		$	466		$	401
Customer deposits:
Non-interest bearing deposits		20,767			20,072			18,281			17,541
Interest-bearing deposits		192,488			193,859			109,945			110,777
Total customer deposits		213,255			213,931			128,226			128,318
Securitized debt obligations		12,686			13,608			16,527			17,120
Other debt:
Federal funds purchased and securities loaned or sold under agreements to repurchase		967			1,101			1,464			1,441
Senior and subordinated notes		11,756			12,079			11,034			11,051
Other borrowings		12,968			9,086			10,536			4,703
Total other debt		25,691			22,266			23,034			17,195
Other liabilities		10,317			9,113			8,100			7,736
Total liabilities		262,317			259,380			176,353			170,770
Stockholders’ equity:
Preferred stock		853			—			—			—
Common stock		6			6			5			5
Paid-in capital, net		25,265			25,217			19,274			19,234
Retained earnings and accumulated other comprehensive income		16,835			15,255			13,631			13,382
Treasury stock, at cost		(3,287	)		(3,286	)		(3,244	)		(3,243	)
Total stockholders’ equity		39,672			37,192			29,666			29,378
Total liabilities and stockholders’ equity	$	301,989		$	296,572		$	206,019		$	200,148

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CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 5: Average Balances, Net Interest Income and Net Interest Margin

	2012 Q3							2012 Q2							2011 Q3
(Dollars in millions) (unaudited)	Average Balance		Interest Income/ Expense		Yield/ Rate			Average Balance		Interest Income/ Expense		Yield/ Rate			Average Balance		Interest Income/ Expense		Yield/ Rate
Interest-earning assets:
Loans held for investment	$	202,856	$	4,901		9.66	%	$	192,632	$	4,255		8.84	%	$	129,043	$	3,550		11.00	%
Investment securities		57,928		335		2.31			56,972		335		2.35			37,189		264		2.84
Cash equivalents and other		6,019		18		1.20			15,415		26		0.67			11,299		21		0.74
Total interest-earning assets	$	266,803	$	5,254		7.88	%	$	265,019	$	4,616		6.97	%	$	177,531	$	3,835		8.64	%
Interest-bearing liabilities:
Interest-bearing deposits
NOW accounts	$	36,965	$	61		0.66	%	$	35,783	$	56		0.63	%	$	12,602	$	9		0.29	%
Money market deposit accounts		107,340		189		0.70			108,401		190		0.70			47,483		100		0.84
Savings accounts		29,963		21		0.28			31,379		25		0.32			30,944		56		0.72
CD’s of $100,000 or more		4,838		35		2.89			5,030		35		2.78			5,407		43		3.18
Other consumer time deposits		12,878		63		1.96			13,658		65		1.90			13,530		84		2.48
Public fund CD’s of $100,000 or more		68		1		5.88			75		1		5.33			92		1		4.35
Foreign time deposits		1,648		1		0.24			1,271		1		0.31			692		1		0.58
Total interest-bearing deposits		193,700		371		0.77			195,597		373		0.76			110,750		294		1.06
Securitized debt obligations		13,331		64		1.92			14,948		69		1.85			18,478		89		1.93
Senior and subordinated notes		11,035		85		3.08			11,213		87		3.10			10,519		84		3.19
Other borrowings		12,085		88		2.91			9,257		86		3.72			8,369		85		4.06
Total interest-bearing liabilities	$	230,151	$	608		1.06	%	$	231,015	$	615		1.06	%	$	148,116	$	552		1.49	%
Net interest income/spread			$	4,646		6.82	%			$	4,001		5.91	%			$	3,283		7.15	%
Impact of non-interest bearing funding						0.15							0.13							0.25
Net interest margin						6.97	%						6.04	%						7.40	%

Page 5

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 6: Loan Information and Performance Statistics ^(1)(2)(3)

(Dollars in millions)(unaudited)	2012 Q3			2012 Q2			2012 Q1			2011 Q4			2011 Q3
Period-end Loans Held For Investment
Credit card:
Domestic credit card	$	80,621		$	80,798		$	53,173		$	56,609		$	53,820
International credit card		8,412			8,116			8,303			8,466			8,210
Total credit card		89,033			88,914			61,476			65,075			62,030
Consumer banking:
Automobile		26,434			25,251			23,568			21,779			20,422
Home loan		46,275			48,224			49,550			10,433			10,916
Retail banking		4,029			4,140			4,182			4,103			4,014
Total consumer banking		76,738			77,615			77,300			36,315			35,352
Commercial banking: (4)
Commercial and multifamily real estate		16,963			16,254			15,702			15,736			14,660
Commercial and industrial		18,965			18,467			17,761			17,088			16,145
Total commercial lending		35,928			34,721			33,463			32,824			30,805
Small-ticket commercial real estate		1,281			1,335			1,443			1,503			1,571
Total commercial banking		37,209			36,056			34,906			34,327			32,376
Other loans		152			164			140			175			194
Total	$	203,132		$	202,749		$	173,822		$	135,892		$	129,952
Average Loans Held For Investment
Credit card:
Domestic credit card	$	80,502		$	71,468		$	54,131		$	54,403		$	53,668
International credit card		8,154			8,194			8,301			8,361			8,703
Total credit card		88,656			79,662			62,432			62,764			62,371
Consumer banking:
Automobile		25,923			24,487			22,582			21,101			19,757
Home loan		47,262			48,966			29,502			10,683			11,126
Retail banking		4,086			4,153			4,179			4,007			3,979
Total consumer banking		77,271			77,606			56,263			35,791			34,862
Commercial banking: (4)
Commercial and multifamily real estate		16,654			15,838			15,514			14,920			14,291
Commercial and industrial		18,817			18,001			17,038			16,376			15,726
Total commercial lending		35,471			33,839			32,552			31,296			30,017
Small-ticket commercial real estate		1,296			1,388			1,480			1,547			1,598
Total commercial banking		36,767			35,227			34,032			32,843			31,615
Other loans		162			137			173			183			195
Total	$	202,856		$	192,632		$	152,900		$	131,581		$	129,043
Net Charge-off Rates(7)
Credit card:
Domestic credit card		3.04	%		2.86	%		3.92	%		4.07	%		3.92	%
International credit card		4.95			5.49			5.52			5.77			6.15
Total credit card		3.22			3.13			4.14			4.30			4.23
Consumer Banking:
Automobile		1.79			1.11			1.41			2.07			1.69
Home loan		0.28			0.09			0.20			0.90			0.53
Retail banking		1.20			1.27			1.39			1.44			1.67
Total consumer banking		0.83			0.48			0.77			1.65			1.32
Commercial banking: (4)
Commercial and multifamily real estate		(0.05	)		0.18			0.09			0.75			0.11
Commercial and industrial		—			0.10			(0.08	)		0.21			0.42
Total commercial lending		(0.03	)		0.14			—			0.47			0.27
Small-ticket commercial real estate		0.79			1.46			4.24			3.73			2.19
Total commercial banking		—			0.19			0.19			0.62			0.37
Other loans		30.11			18.04			23.30			24.08			15.28
Total		1.75	%		1.53	%		2.04	%		2.69	%		2.52	%
30+ Day Performing Delinquency Rates(7)
Credit card:
Domestic credit card		3.52	%		2.79	%		3.25	%		3.66	%		3.65	%
International credit card		4.92			4.84			5.14			5.18			5.35
Total credit card		3.65	%		2.97	%		3.51	%		3.86	%		3.87	%
Consumer Banking:
Automobile		6.12	%		5.20	%		4.87	%		6.88	%		6.34	%
Home loan		0.15			0.15			0.15			0.89			0.78
Retail banking		0.73			0.69			0.80			0.83			0.89
Total consumer banking		2.23	%		1.82	%		1.63	%		4.47	%		4.01	%
Nonperforming Asset Rates (5)(6)(7)
Consumer banking:
Automobile		0.52	%		0.41	%		0.32	%		0.58	%		0.53	%
Home loan		0.98			0.94			0.94			4.58			4.74
Retail banking		2.25			2.21			2.25			2.50			2.37
Total consumer banking		0.89	%		0.83	%		0.82	%		1.94	%		2.04	%
Commercial banking: (4)
Commercial and multifamily real estate		1.04	%		1.28	%		1.55	%		1.40	%		2.12	%
Commercial and industrial		0.68			0.81			0.69			0.80			1.00
Total commercial lending		0.85	%		1.03	%		1.09	%		1.09	%		1.53	%
Small-ticket commercial real estate		1.49			1.25			4.35			2.86			1.58
Total commercial banking		0.87	%		1.04	%		1.23	%		1.17	%		1.54	%

Page 6

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 7: Loan Information and Performance Statistics (Excluding Acquired Loans) ^(1)(2)(3)(7)

	2012			2012			2012			2011			2011
(Dollars in millions)(unaudited)	Q3			Q2			Q1			Q4			Q3
Period-end Loans Held For Investment (Excluding Acquired Loans)
Credit card:
Domestic credit card	$	80,250		$	80,269		$	53,173		$	56,609		$	53,820
International credit card		8,412			8,116			8,303			8,466			8,210
Total credit card		88,662			88,385			61,476			65,075			62,030
Consumer banking:
Automobile		26,411			25,221			23,530			21,732			20,366
Home loan		7,719			7,582			6,967			6,321			6,634
Retail banking		3,990			4,099			4,142			4,058			3,969
Total consumer banking		38,120			36,902			34,639			32,111			30,969
Commercial banking: (4)
Commercial and multifamily real estate		16,800			16,064			15,490			15,573			14,496
Commercial and industrial		18,729			18,226			17,503			16,770			15,820
Total commercial lending		35,529			34,290			32,993			32,343			30,316
Small-ticket commercial real estate		1,281			1,335			1,443			1,503			1,571
Total commercial banking		36,810			35,625			34,436			33,846			31,887
Other loans		152			164			140			175			194
Total	$	163,744		$	161,076		$	130,691		$	131,207		$	125,080
Average Loans Held For Investment (Excluding Acquired Loans)
Credit card:
Domestic credit card	$	80,079		$	71,080		$	54,131		$	54,403		$	53,668
International credit card		8,154			8,194			8,301			8,361			8,703
Total credit card		88,233			79,274			62,432			62,764			62,371
Consumer banking:
Automobile		25,897			24,454			22,540			21,049			19,692
Home loan		7,996			7,686			6,994			6,483			6,759
Retail banking		4,046			4,110			4,136			3,962			3,933
Total consumer banking		37,939			36,250			33,670			31,494			30,384
Commercial banking: (4)
Commercial and multifamily real estate		16,489			15,646			15,328			14,757			14,101
Commercial and industrial		18,579			17,755			16,750			16,055			15,396
Total commercial lending		35,068			33,401			32,078			30,812			29,497
Small-ticket commercial real estate		1,296			1,388			1,480			1,547			1,598
Total commercial banking		36,364			34,789			33,558			32,359			31,095
Other loans		162			137			173			183			195
Total	$	162,698		$	150,450		$	129,833		$	126,800		$	124,045
Net Charge-off Rates (Excluding Acquired Loans)
Credit card:
Domestic credit card		3.06	%		2.87	%		3.92	%		4.07	%		3.92	%
International credit card		4.95			5.49			5.52			5.77			6.15
Total credit card		3.23			3.14			4.14			4.30			4.23
Consumer Banking:
Automobile		1.79			1.11			1.41			2.07			1.69
Home loan		1.65			0.60			0.82			1.48			0.87
Retail banking		1.22			1.29			1.40			1.46			1.69
Total consumer banking		1.70			1.02			1.29			1.87			1.51
Commercial banking: (4)
Commercial and multifamily real estate		(0.05	)		0.18			0.09			0.76			0.11
Commercial and industrial		—			0.10			(0.08	)		0.22			0.43
Total commercial lending		(0.03	)		0.14			0.01			0.48			0.28
Small-ticket commercial real estate		0.79			1.46			4.24			3.73			2.19
Total commercial banking		—			0.19			0.19			0.63			0.38
Other loans		30.11			18.04			23.30			24.08			15.28
Total		2.18	%		1.96	%		2.40	%		2.79	%		2.62	%
30+ Day Performing Delinquency Rates (Excluding Acquired Loans)
Credit card:
Domestic credit card		3.53	%		2.81	%		3.25	%		3.66	%		3.65	%
International credit card		4.92			4.84			5.14			5.18			5.35
Total credit card		3.67	%		2.99	%		3.51	%		3.86	%		3.87	%
Consumer Banking:
Automobile		6.12	%		5.20	%		4.88	%		6.90	%		6.36	%
Home loan		0.89			0.93			1.10			1.47			1.28
Retail banking		0.74			0.70			0.81			0.84			0.90
Total consumer banking		4.50	%		3.82	%		3.63	%		5.06	%		4.57	%
Nonperforming Asset Rates (Excluding Acquired Loans) (5)(6)
Consumer banking:
Automobile		0.52	%		0.41	%		0.32	%		0.58	%		0.53	%
Home loan		5.85			5.96			6.66			7.55			7.80
Retail banking		2.27			2.24			2.28			2.52			2.40
Total consumer banking		1.78	%		1.75	%		1.83	%		2.20	%		2.33	%
Commercial banking: (4)
Commercial and multifamily real estate		1.05	%		1.29	%		1.57	%		1.42	%		2.14	%
Commercial and industrial		0.69			0.82			0.70			0.81			1.02
Total commercial lending		0.86			1.04			1.11			1.10			1.56
Small-ticket commercial real estate		1.49			1.25			4.35			2.86			1.58
Total commercial banking		0.88	%		1.05	%		1.25	%		1.18	%		1.56	%

Page 7

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 8: Financial & Statistical Summary—Credit Card Business ⁽²⁾

	2012			2012			2012			2011			2011
(Dollars in millions) (unaudited)	Q3			Q2			Q1			Q4			Q3
Credit Card
Earnings:
Net interest income	$	2,991		$	2,350		$	1,992		$	1,949		$	2,042
Non-interest income		826			771			598			638			678
Total net revenue		3,817			3,121			2,590			2,587			2,720
Provision for credit losses		892			1,711			458			600			511
Non-interest expense		1,790			1,863			1,268			1,431			1,188
Income (loss) from continuing operations before taxes		1,135			(453	)		864			556			1,021
Income tax provision (benefit)		394			(156	)		298			203			358
Income (loss) from continuing operations, net of tax	$	741		$	(297	)	$	566		$	353		$	663
Selected performance metrics:
Period-end loans held for investment	$	89,033		$	88,914		$	61,476		$	65,075		$	62,030
Average loans held for investment		88,656			79,662			62,432			62,764			62,371
Average yield on loans held for investment		15.03	%		13.42	%		14.41	%		14.12	%		14.84	%
Total net revenue margin		17.22			15.67			16.59			16.49			17.44
Net charge-off rate(7)		3.22			3.13			4.14			4.30			4.23
30+ day delinquency rate(7)		3.65			2.97			3.51			3.86			3.87
Purchase volume (8)	$	48,020		$	45,228		$	34,498		$	38,179		$	34,918
Domestic Card
Earnings:
Net interest income	$	2,715		$	2,118		$	1,713		$	1,706		$	1,753
Non-interest income		722			708			497			613			588
Total net revenue		3,437			2,826			2,210			2,319			2,341
Provision for credit losses		811			1,600			361			519			381
Non-interest expense		1,584			1,634			1,052			1,183			972
Income (loss) from continuing operations before taxes		1,042			(408	)		797			617			988
Income tax provision (benefit)		369			(144	)		282			222			351
Income (loss) from continuing operations, net of tax	$	673		$	(264	)	$	515		$	395		$	637
Selected performance metrics:
Period-end loans held for investment	$	80,621		$	80,798		$	53,173		$	56,609		$	53,820
Average loans held for investment		80,502			71,468			54,131			54,403			53,668
Average yield on loans held for investment		14.88	%		13.33	%		14.11	%		14.05	%		14.62	%
Total net revenue margin		17.08			15.82			16.33			17.05			17.45
Net charge-off rate(7)		3.04			2.86			3.92			4.07			3.92
30+ day delinquency rate(7)		3.52			2.79			3.25			3.66			3.65
Purchase volume (8)	$	44,552		$	41,807		$	31,417		$	34,586		$	31,686
International Card
Earnings:
Net interest income	$	276		$	232		$	279		$	243		$	289
Non-interest income		104			63			101			25			90
Total net revenue		380			295			380			268			379
Provision for credit losses		81			111			97			81			130
Non-interest expense		206			229			216			248			216
Income (loss) from continuing operations before taxes		93			(45	)		67			(61	)		33
Income tax provision (benefit)		25			(12	)		16			(19	)		7
Income (loss) from continuing operations, net of tax	$	68		$	(33	)	$	51		$	(42	)	$	26
Selected performance metrics:
Period-end loans held for investment	$	8,412		$	8,116		$	8,303		$	8,466		$	8,210
Average loans held for investment		8,154			8,194			8,301			8,361			8,703
Average yield on loans held for investment		16.47	%		14.18	%		16.38	%		14.57	%		16.24	%
Total net revenue margin		18.64			14.40			18.31			12.82			17.42
Net charge-off rate		4.95			5.49			5.52			5.77			6.15
30+ day delinquency rate		4.92			4.84			5.14			5.18			5.35
Purchase volume (8)	$	3,468		$	3,421		$	3,081		$	3,593		$	3,232

Page 8

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 9: Financial & Statistical Summary—Consumer Banking Business ⁽³⁾

(Dollars in millions) (unaudited)	2012 Q3			2012 Q2			2012 Q1			2011 Q4			2011 Q3
Consumer Banking
Earnings:
Net interest income	$	1,501		$	1,496		$	1,288		$	1,105		$	1,097
Non-interest income		260			185			176			152			188
Total net revenue		1,761			1,681			1,464			1,257			1,285
Provision for credit losses		202			44			174			180			136
Non-interest expense		977			959			943			893			853
Income from continuing operations before taxes		582			678			347			184			296
Income tax provision		206			240			123			67			106
Income from continuing operations, net of tax	$	376		$	438		$	224		$	117		$	190
Selected performance metrics:
Period-end loans held for investment	$	76,738		$	77,615		$	77,300		$	36,315		$	35,352
Average loans held for investment		77,271			77,606			56,263			35,791			34,862
Average yield on loans held for investment		6.05	%		6.17	%		7.20	%		9.46	%		9.83	%
Auto loan originations	$	3,905		$	4,306		$	4,270		$	3,586		$	3,409
Period-end deposits		173,100			173,966			176,007			88,540			88,589
Average deposits		173,334			174,416			129,915			88,390			88,266
Deposit interest expense rate		0.71	%		0.70	%		0.73	%		0.84	%		0.95	%
Core deposit intangible amortization	$	41		$	42		$	37		$	31		$	32
Net charge-off rate(7)		0.83	%		0.48	%		0.77	%		1.65	%		1.32	%
30+ day performing delinquency rate(7)		2.23			1.82			1.63			4.47			4.01
30+ day delinquency rate(7)(9)		**			2.47			2.25			5.99			5.57
Nonperforming loan rate (5)(7)		0.84			0.79			0.77			1.79			1.88
Nonperforming asset rate (5)(7)		0.89			0.83			0.82			1.94			2.04
Period-end loans serviced for others	$	15,659		$	16,108		$	17,586		$	17,998		$	18,624

Page 9

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 10: Financial & Statistical Summary—Commercial Banking Business ⁽³⁾

	2012			2012			2012			2011			2011
(Dollars in millions) (unaudited)	Q3			Q2			Q1			Q4			Q3
Commercial Banking (4)(11)
Earnings:
Net interest income	$	432		$	427		$	431		$	425		$	407
Non-interest income		87			82			85			87			63
Total net revenue		519			509			516			512			470
Provision for credit losses		(87	)		(94	)		(69	)		76			(10	)
Non-interest expense		253			251			261			254			237
Income from continuing operations before taxes		353			352			324			182			243
Income tax provision		125			124			114			65			86
Income from continuing operations, net of tax	$	228		$	228		$	210		$	117		$	157
Selected performance metrics:
Period-end loans held for investment	$	37,209		$	36,056		$	34,906		$	34,327		$	32,376
Average loans held for investment		36,767			35,227			34,032			32,843			31,615
Average yield on loans held for investment		4.14	%		4.27	%		4.47	%		4.70	%		4.71	%
Period-end deposits	$	28,670		$	27,784		$	28,046		$	26,683		$	25,376
Average deposits		28,063			27,943			27,569			26,185			25,321
Deposit interest expense rate		0.31	%		0.33	%		0.37	%		0.42	%		0.47	%
Core deposit intangible amortization	$	8		$	9		$	9		$	9		$	10
Net charge-off rate(7)		—	%		0.19	%		0.19	%		0.62	%		0.37	%
Nonperforming loan rate (5)(7)		0.82			0.99			1.15			1.08			1.42
Nonperforming asset rate (5)(7)		0.87			1.04			1.23			1.17			1.54
Risk category: (10)
Noncriticized	$	35,112		$	33,745		$	32,339		$	31,617		$	29,636
Criticized performing		1,394			1,524			1,695			1,857			1,790
Criticized nonperforming		305			356			402			372			459
Total risk-rated loans		36,811			35,625			34,436			33,846			31,885
Acquired commercial loans		398			431			470			481			491
Total commercial loans	$	37,209		$	36,056		$	34,906		$	34,327		$	32,376
% of period-end held for investment commercial loans:
Noncriticized		94.4	%		93.6	%		92.6	%		92.1	%		91.6	%
Criticized performing		3.7			4.2			4.9			5.4			5.5
Criticized nonperforming		0.8			1.0			1.2			1.1			1.4
Total risk-rated loans		98.9			98.8			98.7			98.6			98.5
Acquired commercial loans		1.1			1.2			1.3			1.4			1.5
Total commercial loans		100.0	%		100.0	%		100.0	%		100.0	%		100.0	%

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CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 11: Financial & Statistical Summary—Other and Total ⁽²⁾⁽³⁾

	2012			2012			2012			2011			2011
(Dollars in millions) (unaudited)	Q3			Q2			Q1			Q4			Q3
Other (4)
Earnings:
Net interest expense	$	(278	)	$	(272	)	$	(297	)	$	(297	)	$	(263	)
Non-interest income		(37	)		16			662			(9	)		(58	)
Total net revenue		(315	)		(256	)		365			(306	)		(321	)
Provision for credit losses		7			16			10			5			(15	)
Non-interest expense		25			69			32			40			19
Income (loss) from continuing operations before taxes		(347	)		(341	)		323			(351	)		(325	)
Income tax benefit		(190	)		(165	)		(182	)		(175	)		(180	)
Income (loss) from continuing operations, net of tax	$	(157	)	$	(176	)	$	505		$	(176	)	$	(145	)
Selected performance metrics:
Period-end loans held for investment	$	152		$	164		$	140		$	175		$	194
Average loans held for investment		162			137			173			183			195
Period-end deposits		11,485			12,181			12,475			13,003			14,353
Average deposits		11,926			12,555			12,775			13,875			14,681
Total
Earnings:
Net interest income	$	4,646		$	4,001		$	3,414		$	3,182		$	3,283
Non-interest income		1,136			1,054			1,521			868			871
Total net revenue		5,782			5,055			4,935			4,050			4,154
Provision for credit losses		1,014			1,677			573			861			622
Non-interest expense		3,045			3,142			2,504			2,618			2,297
Income from continuing operations before taxes		1,723			236			1,858			571			1,235
Income tax provision		535			43			353			160			370
Income from continuing operations, net of tax	$	1,188		$	193		$	1,505		$	411		$	865
Selected performance metrics:
Period-end loans held for investment	$	203,132		$	202,749		$	173,822		$	135,892		$	129,952
Average loans held for investment		202,856			192,632			152,900			131,581			129,043
Period-end deposits		213,255			213,931			216,528			128,226			128,318
Average deposits		213,323			214,914			170,259			128,450			128,268

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CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 12: Notes to Loan and Business Segment Disclosures (Tables 6—11)

⁽¹⁾  Certain prior period amounts have been reclassified to conform to the current period presentation.

⁽²⁾  Results for Q2 2012 and thereafter include the impact of the May 1, 2012 closing of the HSBC transaction, which resulted in the addition of approximately $28.2 billion in credit card receivables at closing.

⁽³⁾  Results for Q1 2012 and thereafter include the impact of the February 17, 2012 acquisition of ING Direct, which resulted in the addition of loans of $40.4 billion, other assets of $53.9 billion and deposits of $84.4 billion at acquisition.

⁽⁴⁾  In Q1 2012, we re-aligned the products within our Commercial Banking segment to reflect the business operations by product rather than by customer type. As a result of this re-alignment, we now report three product categories: commercial and multifamily real estate, commercial and industrial loans and small-ticket commercial real estate. Middle market and specialty lending related products are included in commercial and industrial loans. All tax-related commercial real estate investments, some of which were previously included in the “Other” segment, are now included in the commercial and multifamily real estate category of our Commercial Banking segment. Prior period amounts have been recast to conform to the current period presentation.

⁽⁵⁾  Nonperforming assets consist of nonperforming loans, real estate owned (“REO”) and other foreclosed assets. The nonperforming asset ratios are calculated based on nonperforming assets for each category divided by the combined period-end total of loans held for investment, REO and other foreclosed assets for each respective category.

⁽⁶⁾  As permitted by regulatory guidance, our policy is generally to exempt delinquent credit card loans from being classified as nonperforming. We continue to accrue finance charges and fees on credit card loans until the loan is charged off, typically when the account becomes 180 days past due. Revenue is reduced each period by the amount of estimated uncollectible billed finance charges and fees.

⁽⁷⁾  Loans acquired as part of the HSBC U.S. card, ING Direct and CCB acquisitions are included in the denominator used in calculating the credit quality metrics presented in Tables 6, 8, 9, and 10. These metrics, adjusted to exclude from the denominator acquired loans accounted for based on estimated cash flows expected to be collected over the life of the loans (formerly SOP 03-3), are presented in Table 7. The table below presents amounts related to these acquired loans.

(Dollars in millions) (unaudited)	2012 Q3		2012 Q2		2012 Q1		2011 Q4		2011 Q3
Acquired loans accounted for under SOP 03-3:
Period-end unpaid principal balance	$	40,749	$	43,333	$	44,798	$	5,751	$	6,021
Period-end loans held for investment		39,388		41,673		43,131		4,685		4,873
Average loans held for investment		40,158		42,182		23,067		4,781		4,998

⁽⁸⁾  Includes credit card purchase transactions net of returns. Excludes cash advance transactions.

⁽⁹⁾  The 30+ day total delinquency rate as of the end of Q3 2012 will be provided in the September 30, 2012 Quarterly Report on Form 10-Q.

⁽¹⁰⁾  Criticized exposures correspond to the “Special Mention,” “Substandard” and “Doubtful” asset categories defined by bank regulatory authorities.

⁽¹¹⁾  Because some of our tax-related commercial investments generate tax-exempt income or tax credits, we make certain reclassifications within our Commercial Banking business results to present revenues on a taxable-equivalent basis, calculated assuming an effective tax rate approximately equal to our federal statutory tax rate of 35%.

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CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 13: Reconciliation of Non-GAAP Measures and Calculation of Regulatory Capital Measures

In addition to disclosing required regulatory capital measures, we also report certain non-GAAP capital measures that management uses in assessing its capital adequacy. These non-GAAP measures include average tangible common equity, tangible common equity (“TCE”) and TCE ratio. The table below provides the details of the calculation of our regulatory capital and non-GAAP capital measures. While our non-GAAP capital measures are widely used by investors, analysts and bank regulatory agencies to assess the capital position of financial services companies, they may not be comparable to similarly titled measures reported by other companies.

	2012			2012			2012			2011			2011
(Dollars in millions)(unaudited)	Q3			Q2			Q1			Q4			Q3
Average Equity to Non-GAAP Average Tangible Common Equity
Average total stockholders’ equity	$	38,535		$	37,533		$	32,982		$	29,698		$	29,316
Less: Average intangible assets (1)		(16,408	)		(15,689	)		(13,931	)		(13,935	)		(13,990	)
Average tangible common equity	$	22,127		$	21,844		$	19,051		$	15,763		$	15,326
Stockholders’ Equity to Non-GAAP Tangible Common Equity
Total stockholders’ equity	$	39,672		$	37,192		$	36,950		$	29,666		$	29,378
Less: Intangible assets (1)		(16,323	)		(16,477	)		(14,110	)		(13,908	)		(13,953	)
Tangible common equity	$	23,349		$	20,715		$	22,840		$	15,758		$	15,425
Total Assets to Tangible Assets
Total assets	$	301,989		$	296,572		$	294,481		$	206,019		$	200,148
Less: Assets from discontinued operations		(309	)		(310	)		(304	)		(305	)		(304	)
Total assets from continuing operations		301,680			296,262			294,177			205,714			199,844
Less: Intangible assets (1)		(16,323	)		(16,477	)		(14,110	)		(13,908	)		(13,953	)
Tangible assets	$	285,357		$	279,785		$	280,067		$	191,806		$	185,891
Non-GAAP TCE Ratio
Tangible common equity	$	23,349		$	20,715		$	22,840		$	15,758		$	15,425
Tangible assets		285,357			279,785			280,067			191,806			185,891
TCE ratio (2)		8.2	%		7.4	%		8.2	%		8.2	%		8.3	%
Regulatory Capital Ratios (3)
Total stockholders’ equity	$	39,672		$	37,192		$	36,950		$	29,666		$	29,378
Less:  Net unrealized (gains) losses on AFS securities recorded in AOCI (4)		(752	)		(422	)		(327	)		(289	)		(401	)
Net (gains) losses on cash flow hedges recorded in AOCI (4)		(6	)		34			70			71			54
Disallowed goodwill and other intangible assets		(14,497	)		(14,563	)		(14,057	)		(13,855	)		(13,898	)
Disallowed deferred tax assets		(221	)		(758	)		(902	)		(534	)		(227	)
Noncumulative perpetual preferred stock (5)		(853	)		—			—			—			—
Other		(12	)		(12	)		(3	)		(2	)		(2	)
Tier 1 common capital		23,331			21,471			21,731			15,057			14,904
Plus: Noncumulative perpetual preferred stock (5)		853			—			—			—			—
Tier 1 restricted core capital items (6)		3,636			3,636			3,636			3,635			3,636
Tier 1 capital		27,820			25,107			25,367			18,692			18,540
Plus:  Long-term debt qualifying as Tier 2 capital		2,119			2,318			2,438			2,438			2,438
Qualifying allowance for loan and lease losses		2,767			2,740			2,314			1,979			1,896
Other Tier 2 components		17			15			17			23			24
Tier 2 capital		4,903			5,073			4,769			4,440			4,358
Total risk-based capital (7)	$	32,723		$	30,180		$	30,136		$	23,132		$	22,898
Risk-weighted assets (8)	$	218,369		$	216,341		$	182,704		$	155,657		$	149,028
Tier 1 common ratio (9)		10.7	%		9.9	%		11.9	%		9.7	%		10.0	%
Tier 1 risk-based capital ratio (10)		12.7			11.6			13.9			12.0			12.4
Total risk-based capital ratio (11)		15.0			14.0			16.5			14.9			15.4

⁽¹⁾  Includes impact from related deferred taxes.

⁽²⁾  Calculated based on tangible common equity divided by tangible assets.

⁽³⁾  Regulatory capital ratios as of the end of Q3 2012 are preliminary and therefore subject to change.

⁽⁴⁾  Amounts presented are net of tax.

⁽⁵⁾  Noncumulative perpetual preferred stock qualifies for Tier 1 capital; however, it is not includable in Tier 1 common capital.

⁽⁶⁾  Consists primarily of trust preferred securities.

⁽⁷⁾  Total risk-based capital equals the sum of Tier 1 capital and Tier 2 capital.

⁽⁸⁾  Calculated based on prescribed regulatory guidelines.

⁽⁹⁾  Tier 1 common ratio is a regulatory measure calculated based on Tier 1 common capital divided by risk-weighted assets.

⁽¹⁰⁾  Tier 1 risk-based capital ratio is a regulatory capital measure calculated based on Tier 1 capital divided by risk-weighed assets.

⁽¹¹⁾  Total risk-based capital ratio is a regulatory capital measure calculated based on total risk-based capital divided by risk-weighed assets.

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