KeyBank 2005 Annual Report Download - page 24

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23
MANAGEMENT’S DISCUSSION & ANALYSIS OF FINANCIAL CONDITION & RESULTS OF OPERATIONS KEYCORP AND SUBSIDIARIES
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Compound Annual
Rate of Change
2002 2001 2000 (2000-2005)
Average Yield/ Average Yield/ Average Yield/ Average
Balance Interest Rate Balance Interest Rate Balance Interest Rate Balance Interest
$17,126 $ 875 5.11% $18,875 $1,321 7.00% $18,912 $1,632 8.65% .6% (7.9)%
6,956 403 5.79 7,382 550 7.46 7,351 663 9.03 2.7 (4.3)
5,849 315 5.38 5,651 411 7.27 4,813 464 9.63 5.4 (2.1)
6,695 447 6.68 6,430 432 6.73 6,132 433 7.06 10.5 7.7
36,626 2,040 5.57 38,338 2,714 7.08 37,208 3,192 8.59 3.5 (3.6)
2,165 151 6.98 3,640 278 7.64 4,301 327 7.61 (19.3) (22.7)
13,028 889 6.82 10,595 906 8.55 8,857 822 9.29 9.4 2.2
2,199 183 8.30 2,420 231 9.55 2,584 265 10.20 (6.6) (9.8)
1,405 126 8.96 2,618 217 8.27 3,089 249 8.03 (56.7) (54.2)
5,155 471 9.15 5,529 530 9.58 6,032 570 9.44 (11.4) (17.9)
23,952 1,820 7.60 24,802 2,162 8.72 24,863 2,233 8.97 (3.8) (9.2)
60,578 3,860 6.37 63,140 4,876 7.72 62,071 5,425 8.74 .9 (5.7)
2,247 123 5.52 2,217 169 7.64 2,534 230 9.05 7.5 2.0
181 16 8.67 279 25 8.76 393 34 8.75 (28.0) (31.8)
6,359 389 6.14 6,625 455 6.89 6,470 448 6.80 1.9 (6.0)
1,496 30 1.99 1,712 65 3.81 1,717 83 4.84 1.9 (7.6)
871 24 2.57 849 24 2.86 701 25 3.74 14.5 16.7
71,732 4,442 6.19 74,822 5,614 7.50 73,886 6,245 8.45 1.3 (5.4)
(1,553) (1,090) (959) 2.9
11,611 11,182 11,120 3.4
$81,790 $84,914 $84,047 1.6
$13,761 131 .95 $12,942 263 2.03 $12,823 424 3.31 12.1 (3.2)
1,986 13 .67 1,952 21 1.05 2,206 32 1.47 (2.5) (31.0)
4,741 218 4.63 5,284 301 5.71 5,511 340 6.15 (2.1) (11.1)
12,859 496 3.86 14,208 786 5.53 13,974 805 5.76 (5.0) (15.8)
2,336 39 1.67 2,715 107 3.94 2,593 167 6.45 9.9 (4.7)
35,683 897 2.52 37,101 1,478 3.98 37,107 1,768 4.76 3.7 (10.3)
5,527 90 1.63 5,197 198 3.80 4,931 287 5.82 (3.8) (15.9)
2,943 79 2.67 6,829 302 4.43 7,121 428 6.01 (17.1) (28.1)
16,961 551 3.29 15,911 824 5.20 15,707 1,064 6.78 (2.1) (10.9)
61,114 1,617 2.66 65,038 2,802 4.31 64,866 3,547 5.47 .2 (12.4)
9,098 8,354 8,328 7.6
5,054 4,950 4,341 7.0
6,524 6,572 6,512 2.4
$81,790 $84,914 $84,047 1.6
3.53% 3.19% 2.98%
2,825 3.94% 2,812 3.76% 2,698 3.64% 1.5%
120 45 28 34.0
$2,705 $2,767 $2,670 .9%
$1,254 $78 $1,309 $89 $1,243 $95 N/M