KeyBank 2014 Annual Report Download - page 147

The following tables set forth a further breakdown of individually impaired loans as of December 31, 2014, and
December 31, 2013:
December 31, 2014
in millions
Recorded
Investment (a)
Unpaid
Principal
Balance (b)
Specific
Allowance
Average
Recorded
Investment
With no related allowance recorded:
Commercial, financial and agricultural $ 6 $ 17 — $ 8
Commercial real estate:
Commercial mortgage 15 20 — 19
Construction 5 6 — 7
Total commercial real estate loans 20 26 — 26
Total commercial loans 26 43 — 34
Real estate — residential mortgage 24 24 — 30
Home equity:
Key Community Bank 62 63 — 63
Other 1 1 — 2
Total home equity loans 63 64 — 65
Consumer other:
Marine 2 2 — 2
Total consumer other 2 2 — 2
Total consumer loans 89 90 — 97
Total loans with no related allowance recorded 115 133 — 131
With an allowance recorded:
Commercial, financial and agricultural 37 37 $ 9 28
Commercial real estate:
Commercial mortgage 6 6 2 6
Construction 3 3 1 2
Total commercial real estate loans 9 9 3 8
Total commercial loans 46 46 12 36
Real estate — residential mortgage 31 31 5 25
Home equity:
Key Community Bank 46 46 16 43
Other 11 11 2 11
Total home equity loans 57 57 18 54
Consumer other — Key Community Bank 4 4 — 3
Credit cards 4 4 — 4
Consumer other:
Marine 43 43 5 45
Other 2 2 — 2
Total consumer other 45 45 5 47
Total consumer loans 141 141 28 133
Total loans with an allowance recorded 187 187 40 169
Total $ 302 $ 320 $ 40 $ 300
(a) The Recorded Investment represents the face amount of the loan increased or decreased by applicable accrued interest, net deferred loan
fees and costs, and unamortized premium or discount, and reflects direct charge-offs. This amount is a component of total loans on our
consolidated balance sheet.
(b) The Unpaid Principal Balance represents the customer’s legal obligation to us.
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