WHAT'S IN THEIR WALLET: Capital One's quarterly net income plunged 90 percent, weighed down by acquisition costs, payouts required under a federal settlement and a pile-up of reserves to cover bad loans.

BAD DAY: The results came the same day the government's new consumer watchdog agency and a banking regulator ordered Capital One Bank to pay $210 million in refunds and fines. The Consumer Financial Protection Bureau said Capital One used "deceptive" marketing to lure credit card customers into buying services.

THE FIGURES: Capital One Financial Corp.'S second-quarter net income dropped to $92 million, or 16 cents per share, from $911 million, or $1.97 per share.