KeyBank 2014 Annual Report Download - page 152

The following aging analysis of past due and current loans as of December 31, 2014, and December 31, 2013,
provides further information regarding Key’s credit exposure.
December 31, 2014
in millions Current
30-59
Days Past
Due
60-89
Days Past
Due
90 and Greater
Days Past
Due
Nonperforming
Loans
Total Past Due
and
Nonperforming
Loans
Purchased
Credit
Impaired
Total
Loans
LOAN TYPE
Commercial, financial and agricultural $27,858 $ 19 $14 $32 $ 59 $124 — $27,982
Commercial real estate:
Commercial mortgage 7,981 6 10 16 34 66 — 8,047
Construction 1,084 2 — 1 13 16 — 1,100
Total commercial real estate loans 9,065 8 10 17 47 82 — 9,147
Commercial lease financing 4,172 30 21 11 18 80 — 4,252
Total commercial loans $41,095 $ 57 $45 $60 $124 $286 — $41,381
Real estate — residential mortgage $ 2,111 $ 12 $ 7 $ 4 $ 79 $102 $12 $ 2,225
Home equity:
Key Community Bank 10,098 46 22 14 185 267 1 10,366
Other 249 5 2 1 10 18 — 267
Total home equity loans 10,347 51 24 15 195 285 1 10,633
Consumer other — Key Community
Bank 1,541 9 3 5 2 19 — 1,560
Credit cards 733 6 4 9 2 21 — 754
Consumer other:
Marine 746 11 5 2 15 33 — 779
Other 46 1 — 1 1 3 — 49
Total consumer other 792 12 5 3 16 36 — 828
Total consumer loans $15,524 $ 90 $43 $36 $294 $463 $13 $16,000
Total loans $56,619 $147 $88 $96 $418 $749 $13 $57,381
December 31, 2013
in millions Current
30-59
Days Past
Due
60-89
Days Past
Due
90 and Greater
Days Past
Due
Nonperforming
Loans
Total Past Due
and
Nonperforming
Loans
Purchased
Credit
Impaired
Total
Loans
LOAN TYPE
Commercial, financial and agricultural $24,823 $ 39 $ 8 $16 $ 77 $140 — $24,963
Commercial real estate:
Commercial mortgage 7,638 20 7 17 37 81 $ 1 7,720
Construction 1,068 10 — 1 14 25 — 1,093
Total commercial real estate loans 8,706 30 7 18 51 106 1 8,813
Commercial lease financing 4,463 32 33 4 19 88 — 4,551
Total commercial loans $37,992 $101 $ 48 $38 $147 $334 $ 1 $38,327
Real estate — residential mortgage $ 2,038 $ 19 $ 5 $ 4 $107 $135 $14 $ 2,187
Home equity:
Key Community Bank 10,038 51 31 14 205 301 1 10,340
Other 308 6 4 1 15 26 — 334
Total home equity loans 10,346 57 35 15 220 327 1 10,674
Consumer other — Key Community
Bank 1,426 8 5 7 3 23 — 1,449
Credit cards 698 11 5 4 4 24 — 722
Consumer other:
Marine 979 15 6 2 26 49 — 1,028
Other 65 2 1 1 1 5 — 70
Total consumer other 1,044 17 7 3 27 54 — 1,098
Total consumer loans $15,552 $112 $ 57 $33 $361 $563 $15 $16,130
Total loans $53,544 $213 $105 $71 $508 $897 $16 $54,457
The prevalent risk characteristic for both commercial and consumer loans is the risk of loss arising from an
obligor’s inability or failure to meet contractual payment or performance terms. Evaluation of this risk is
stratified and monitored by the loan risk rating grades assigned for the commercial loan portfolios and the
regulatory risk ratings assigned for the consumer loan portfolios.
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