JP Morgan Chase 2014 Annual Report Download - page 251

JPMorgan Chase & Co./2014 Annual Report 249
Other consumer loans
The table below provides information for other consumer retained loan classes, including auto, business banking and student
loans.
December 31,
(in millions, except ratios)
Auto Business banking Student and other Total other consumer
2014 2013 2014 2013 2014 2013 2014 2013
Loan delinquency(a)
Current $53,866 $52,152 $19,710 $ 18,511 $10,080 $ 10,529 $ 83,656 $ 81,192
30–119 days past due 663 599 208 280 576 660 1,447 1,539
120 or more days past due 76140 160 314 368 461 534
Total retained loans $54,536 $52,757 $20,058 $ 18,951 $10,970 $ 11,557 $ 85,564 $ 83,265
% of 30+ days past due to total
retained loans 1.23% 1.15% 1.73% 2.32% 2.15% (d) 2.52% (d) 1.47% (d) 1.60% (d)
90 or more days past due and
still accruing (b) $ — $ — $ — $ — $ 367 $ 428 $ 367 $ 428
Nonaccrual loans 115 161 279 385 270 86 664 632
Geographic region
California $ 6,294 $ 5,615 $ 3,008 $ 2,374 $ 1,143 $ 1,112 $ 10,445 $ 9,101
New York 3,662 3,898 3,187 3,084 1,259 1,218 8,108 8,200
Illinois 3,175 2,917 1,373 1,341 729 740 5,277 4,998
Florida 2,301 2,012 827 646 521 539 3,649 3,197
Texas 5,608 5,310 2,626 2,646 868 878 9,102 8,834
New Jersey 1,945 2,014 451 392 378 397 2,774 2,803
Arizona 2,003 1,855 1,083 1,046 239 252 3,325 3,153
Washington 1,019 950 258 234 235 227 1,512 1,411
Michigan 1,633 1,902 1,375 1,383 466 513 3,474 3,798
Ohio 2,157 2,229 1,354 1,316 629 708 4,140 4,253
All other 24,739 24,055 4,516 4,489 4,503 4,973 33,758 33,517
Total retained loans $54,536 $52,757 $20,058 $ 18,951 $10,970 $ 11,557 $ 85,564 $ 83,265
Loans by risk ratings(c)
Noncriticized $ 9,822 $ 9,968 $14,619 $ 13,622 NA NA $ 24,441 $ 23,590
Criticized performing 35 54 708 711 NA NA 743 765
Criticized nonaccrual —38 213 316 NA NA 213 354
(a) Individual delinquency classifications included loans insured by U.S. government agencies under the Federal Family Education Loan Program (“FFELP”) as follows:
current included $4.3 billion and $4.9 billion; 30-119 days past due included $364 million and $387 million; and 120 or more days past due included $290
million and $350 million at December 31, 2014 and 2013, respectively.
(b) These amounts represent student loans, which are insured by U.S. government agencies under the FFELP. These amounts were accruing as reimbursement of
insured amounts is proceeding normally.
(c) For risk-rated business banking and auto loans, the primary credit quality indicator is the risk rating of the loan, including whether the loans are considered to be
criticized and/or nonaccrual.
(d) December 31, 2014 and 2013, excluded loans 30 days or more past due and still accruing, which are insured by U.S. government agencies under the FFELP, of
$654 million and $737 million, respectively. These amounts were excluded as reimbursement of insured amounts is proceeding normally.