KeyBank 2014 Annual Report Download - page 69

Financial Condition
Loans and loans held for sale
Figure 15 shows the composition of our loan portfolio at December 31 for each of the past five years.
Figure 15. Composition of Loans
2014 2013 2012
December 31,
dollars in millions Amount
Percent
of Total Amount
Percent
of Total Amount
Percent
of Total
COMMERCIAL
Commercial, financial and agricultural (a), (b) $ 27,982 48.8 % $ 24,963 45.8% $ 23,242 44.0 %
Commercial real estate: (c)
Commercial mortgage 8,047 14.0 7,720 14.2 7,720 14.6
Construction 1,100 1.9 1,093 2.0 1,003 1.9
Total commercial real estate loans 9,147 15.9 8,813 16.2 8,723 16.5
Commercial lease financing (d) 4,252 7.4 4,551 8.4 4,915 9.3
Total commercial loans 41,381 72.1 38,327 70.4 36,880 69.8
CONSUMER
Real estate — residential mortgage 2,225 3.9 2,187 4.0 2,174 4.1
Home equity:
Key Community Bank 10,366 18.1 10,340 19.0 9,816 18.6
Other 267 .5 334 .6 423 .8
Total home equity loans 10,633 18.6 10,674 19.6 10,239 19.4
Consumer other — Key Community Bank 1,560 2.7 1,449 2.7 1,349 2.5
Credit cards 754 1.3 722 1.3 729 1.4
Consumer other:
Marine 779 1.3 1,028 1.9 1,358 2.6
Other 49 .1 70 .1 93 .2
Total consumer other 828 1.4 1,098 2.0 1,451 2.8
Total consumer loans 16,000 27.9 16,130 29.6 15,942 30.2
Total loans (e), (f) $ 57,381 100.0 % $ 54,457 100.0% $ 52,822 100.0 %
2011 2010
Amount
Percent
of Total Amount
Percent
of Total
COMMERCIAL
Commercial, financial and agricultural $ 19,759 39.9 % $ 16,441 32.8 %
Commercial real estate:
Commercial mortgage 8,037 16.2 9,502 19.0
Construction 1,312 2.6 2,106 4.2
Total commercial real estate loans 9,349 18.8 11,608 23.2
Commercial lease financing 5,674 11.4 6,471 12.9
Total commercial loans 34,782 70.1 34,520 68.9
CONSUMER
Real estate — residential mortgage 1,946 3.9 1,844 3.7
Home equity:
Key Community Bank 9,229 18.6 9,514 19.0
Other 535 1.1 666 1.3
Total home equity loans 9,764 19.7 10,180 20.3
Consumer other — Key Community Bank 1,192 2.4 1,167 2.3
Credit cards — — — —
Consumer other:
Marine 1,766 3.6 2,234 4.5
Other 125 .3 162 .3
Total consumer other 1,891 3.9 2,396 4.8
Total consumer loans 14,793 29.9 15,587 31.1
Total loans (e) $ 49,575 100.0 % $ 50,107 100.0 %
(a) Loan balances include $88 million, $94 million, and $90 million of commercial credit card balances at December 31,
2014, December 31, 2013, and December 31, 2012, respectively.
(b) See Figure 16 for a more detailed breakdown of our commercial, financial and agricultural loan portfolio at December 31, 2014, and
December 31, 2013.
(c) See Figure 17 for a more detailed breakdown of our commercial real estate loan portfolio at December 31, 2014.
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