KeyBank 2007 Annual Report Download - page 31

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29
MANAGEMENT’S DISCUSSION & ANALYSIS OF FINANCIAL CONDITION & RESULTS OF OPERATIONS KEYCORP AND SUBSIDIARIES
Compound Annual
Rate of Change
2004 2003 2002 (2002-2007)
Average Yield/ Average Yield/ Average Yield/ Average
Balance Interest Rate Balance Interest Rate Balance Interest Rate Balance Interest
$17,119 $ 762 4.45% $16,467 $ 794 4.82% $17,126 $ 875 5.11% 5.5% 13.1%
7,032 354 5.03 6,571 343 5.22 6,956 403 5.79 4.8 10.9
4,926 250 5.08 5,333 274 5.14 5,849 315 5.38 7.1 15.7
8,269 487 5.90 7,457 446 5.99 6,695 447 6.68 8.7 6.3
37,346 1,853 4.96 35,828 1,857 5.18 36,626 2,040 5.57 6.3 11.8
1,563 94 6.01 1,802 117 6.47 2,165 151 6.98 (6.8) (7.7)
11,903 625 5.25 12,036 656 5.46 10,927 691 6.32 (.2) 2.3
2,048 154 7.52 2,135 157 7.36 2,199 183 8.30 (9.1) (4.7)
5,366 411 7.66 5,585 475 8.50 6,560 597 9.10 (9.2) (14.4)
20,880 1,284 6.15 21,558 1,405 6.52 21,851 1,622 7.42 (4.1) (4.4)
58,226 3,137 5.39 57,386 3,262 5.69 58,477 3,662 6.26 2.9 5.8
2,509 114 4.55 2,447 112 4.60 2,247 123 5.52 14.7 22.3
7,214 327 4.55 7,854 355 4.54 6,341 387 6.13 4.1 2.0
85 8 8.69 112 11 9.03 181 16 8.67 (27.6) (34.0)
1,222 22 1.77 926 17 1.80 644 12 1.90 7.3 25.9
962 13 1.29 669 8 1.24 785 11 1.36 1.5 27.5
1,257 35 2.77 1,023 27 2.62 871 24 2.57 11.8 16.7
71,475 3,656 5.11 70,417 3,792 5.39 69,546 4,235 6.09 3.6 6.3
(1,276) (1,401) (1,545) (9.3)
13,090 12,517 11,360 2.6
$83,289 $81,533 $79,361 3.6
$20,175 147 .73 $17,913 149 .83 $13,761 131 .95 11.8 42.2
2,007 5 .23 2,072 10 .50 1,986 13 .67 (4.3) (25.4)
4,834 178 3.71 4,796 186 3.93 4,741 218 4.63 6.1 8.0
10,564 304 2.88 11,330 336 2.96 12,859 496 3.86 (1.8) 2.1
1,438 6 .40 1,885 22 1.13 2,336 39 1.67 12.9 39.9
39,018 640 1.64 37,996 703 1.85 35,683 897 2.52 6.2 15.5
3,129 22 .71 4,739 50 1.06 5,527 90 1.63 (4.8) 18.2
2,631 42 1.59 2,612 60 2.29 2,943 79 2.67 (3.8) 5.7
14,304 402 2.93 13,287 352 2.76 14,615 453 3.14 (3.0) 9.6
59,082 1,106 1.89 58,634 1,165 2.01 58,768 1,519 2.59 2.8 13.6
11,172 10,347 9,098 8.4
6,098 5,649 4,971 4.3
6,937 6,903 6,524 3.4
$83,289 $81,533 $79,361 3.6
3.22% 3.38% 3.50%
2,550 3.62% 2,627 3.73% 2,716 3.91% 1.1%
94 71 120 (3.8)
$2,456 $2,556 $2,596 1.3%
— — $629 $36 $1,254 $78 N/M