KeyBank 2013 Annual Report Download - page 61

Figure 5. Consolidated Average Balance Sheets, Net Interest Income and Yields/Rates from Continuing Operations (Continued)
2011 2010 2009
Compound Annual Rate of
Change (2009-2013)
Average Yield/ Average Yield/ Average Yield/ Average
Balance Interest (a) Rate (a) Balance (b) Interest (a), (b) Rate (a), (b) Balance (b), (j) Interest (a), (b) Rate (a), (b) Balance Interest
$ 17,507 $ 705 4.03 % $ 17,500 $ 813 4.64 % $ 23,181 $ 1,038 4.48 % .5 % (3.8) %
8,437 380 4.50 10,027 491 4.90 11,310 (i) 557 4.93 (7.7) (10.9)
1,677 73 4.36 3,495 149 4.26 6,206 (i) 294 4.74 (29.8) (31.3)
5,846 293 5.01 6,754 352 5.21 8,220 369 4.48 (10.6) (14.2)
33,467 1,451 4.34 37,776 1,805 4.78 48,917 2,258 4.61 (5.4) (9.3)
1,850 97 5.25 1,828 102 5.57 1,764 104 5.91 4.4 (1.2)
9,390 387 4.12 9,773 411 4.20 10,214 445 4.36 (.3) (2.3)
598 46 7.66 751 57 7.59 945 71 7.52 (16.8) (16.4)
9,988 433 4.34 10,524 468 4.45 11,159 516 4.63 (1.3) (3.8)
1,167 113 9.62 1,158 132 11.44 1,202 127 10.62 3.2 (4.1)
— — — — — — — — — N/M N/M
1,992 125 6.28 2,497 155 6.23 3,097 193 6.22 (17.7) (17.4)
142 11 7.87 188 15 7.87 247 20 7.93 (21.4) (21.4)
2,134 136 6.38 2,685 170 6.34 3,344 213 6.35 (17.9) (17.8)
15,139 779 5.14 16,195 872 5.39 17,469 960 5.50 (1.7) (3.8)
48,606 2,230 4.59 53,971 2,677 4.96 66,386 3,218 4.85 (4.4) (7.5)
387 14 3.58 453 17 3.62 650 29 4.37 (3.9) (7.2)
18,766 584 3.20 18,800 646 3.50 11,169 462 4.19 2.6 (7.6)
514 12 2.35 20 2 10.56 25 2 8.17 N/M 110.2
878 26 2.97 1,068 37 3.47 1,238 47 3.83 (9.4) (14.9)
2,543 6 .25 2,684 6 .24 4,149 12 .28 (6.6) (12.9)
1,264 42 3.14 1,442 49 3.08 1,478 51 3.11 (7.0) (10.7)
72,958 2,914 4.02 78,438 3,434 4.39 85,095 3,821 4.49 (2.4) (7.1)
(1,250) (2,207) (2,273) (17.3)
10,341 11,243 12,349 (4.8)
6,247 6,677 4,269 3.4
$ 88,296 $ 94,151 $ 99,440 (2.1) %
$ 27,001 71 .26 $ 25,712 91 .35 $ 24,345 124 .51 6.2 % (15.6)
1,958 1 .06 1,867 1 .06 1,787 2 .07 7.0 (12.9)
4,931 149 3.02 8,486 275 3.24 12,612 462 3.66 (25.8) (35.9)
7,185 166 2.31 10,545 301 2.86 14,535 529 3.64 (22.4) (36.9)
807 3 .30 926 3 .34 802 2 .27 (6.7) (12.9)
41,882 390 0.93 47,536 671 1.41 54,081 1,119 2.07 (4.6) (32.4)
1,981 5 .27 2,044 6 .31 1,618 5 .31 2.2 (16.7)
619 11 1.84 545 14 2.63 1,907 16 .84 (27.0) (12.9)
7,293 216 3.18 7,211 206 3.09 9,455 275 3.16 (15.0) (14.3)
51,775 622 1.21 57,336 897 1.58 67,061 1,415 2.13 (6.0) (26.9)
17,381 15,856 12,964 12.2
2,658 3,131 4,340 (17.5)
6,232 6,677 4,269 3.2
78,046 83,000 88,634 (2.3)
10,133 10,895 10,592 (.6)
117 256 214 (33.0)
10,250 11,151 10,806 (.9)
$ 88,296 $ 94,151 $ 99,440 (2.1) %
2.81 % 2.81 % 2.36 %
2,292 3.16 % 2,537 3.26 % 2,406 2.83 % (.5)
25 26 26 (2.4)
$ 2,267 $ 2,511 $ 2,380 (.5) %
(h) Commercial, financial and agricultural average balances for the years ended December 31, 2013, and December 31, 2012, include $95 million and $36 million,
respectively, of assets from commercial credit cards.
(i) In late March 2009, Key transferred $1.5 billion of loans from the construction portfolio to the commercial mortgage portfolio in accordance with regulatory
guidelines pertaining to the classification of loans that have reached a completed status.
(j) Prior to the third quarter of 2009, average balances have not been adjusted to reflect our January 1, 2008, adoption of the applicable accounting guidance
related to offsetting certain derivative contracts on the consolidated balance sheet.
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