JP Morgan Chase 2015 Annual Report Download - page 263

JPMorgan Chase & Co./2015 Annual Report 253
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
2015 2014 2015 2014 2015 2014 2015 2014
Loan delinquency(a)
Current $59,442 $53,866 $20,887 $ 19,710 $ 9,405 $10,080 $ 89,734 $ 83,656
30–119 days past due 804 663 215 208 445 576 1,464 1,447
120 or more days past due 97106 140 246 314 361 461
Total retained loans $60,255 $54,536 $21,208 $20,058 $10,096 $10,970 $ 91,559 $85,564
% of 30+ days past due to total
retained loans 1.35% 1.23% 1.51% 1.73% 1.63% (d) 2.15% (d) 1.42% (d) 1.47% (d)
90 or more days past due and still
accruing (b) $— $—$—$—$ 290 $ 367 $ 290 $ 367
Nonaccrual loans 116 115 263 279 242 270 621 664
Geographic region
California $ 7,186 $ 6,294 $ 3,530 $ 3,008 $ 1,051 $ 1,143 $ 11,767 $10,445
New York 3,874 3,662 3,359 3,187 1,224 1,259 8,457 8,108
Illinois 3,678 3,175 1,459 1,373 679 729 5,816 5,277
Texas 6,457 5,608 2,622 2,626 839 868 9,918 9,102
Florida 2,843 2,301 941 827 516 521 4,300 3,649
New Jersey 1,998 1,945 500 451 366 378 2,864 2,774
Washington 1,135 1,019 264 258 212 235 1,611 1,512
Arizona 2,033 2,003 1,205 1,083 236 239 3,474 3,325
Michigan 1,550 1,633 1,361 1,375 415 466 3,326 3,474
Ohio 2,340 2,157 1,363 1,354 559 629 4,262 4,140
All other 27,161 24,739 4,604 4,516 3,999 4,503 35,764 33,758
Total retained loans $60,255 $54,536 $21,208 $20,058 $10,096 $ 10,970 $ 91,559 $85,564
Loans by risk ratings(c)
Noncriticized $11,277 $ 9,822 $15,505 $14,619 NA NA $ 26,782 $ 24,441
Criticized performing 76 35 815 708 NA NA 891 743
Criticized nonaccrual ——210 213 NA NA 210 213
(a) Student loan delinquency classifications included loans insured by U.S. government agencies under the Federal Family Education Loan Program (“FFELP”) as follows: current
included $3.8 billion and $4.3 billion; 30-119 days past due included $299 million and $364 million; and 120 or more days past due included $227 million and $290 million
at December 31, 2015 and 2014, 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, 2015 and 2014, excluded loans 30 days or more past due and still accruing, which are insured by U.S. government agencies under the FFELP, of $526 million
and $654 million, respectively. These amounts were excluded as reimbursement of insured amounts is proceeding normally.