KeyBank 2015 Annual Report Download - page 155

The following tables set forth a further breakdown of individually impaired loans as of December 31,
2015, December 31, 2014, and December 31, 2013:
December 31, 2015
in millions
Recorded
Investment (a)
Unpaid
Principal
Balance (b)
Specific
Allowance
Average
Recorded
Investment
With no related allowance recorded:
Commercial, financial and agricultural $ 40 $ 74 — $ 23
Commercial real estate:
Commercial mortgage 5 8 — 10
Construction 5 5 — 5
Total commercial real estate loans 10 13 — 15
Total commercial loans 50 87 — 38
Real estate — residential mortgage 23 23 — 24
Home equity:
Key Community Bank 59 59 — 61
Other 2 2 — 1
Total home equity loans 61 61 — 62
Consumer other:
Marine 1 1 — 1
Total consumer other 1 1 — 1
Total consumer loans 85 85 — 87
Total loans with no related allowance recorded 135 172 — 125
With an allowance recorded:
Commercial, financial and agricultural 28 43 $ 7 33
Commercial real estate:
Commercial mortgage 5 6 1 6
Construction — — — 1
Total commercial real estate loans 5 6 1 7
Total commercial loans 33 49 8 40
Real estate — residential mortgage 33 33 4 32
Home equity:
Key Community Bank 55 55 19 50
Other 9 9 1 10
Total home equity loans 64 64 20 60
Consumer other — Key Community Bank 3 3 — 4
Credit cards 3 3 — 4
Consumer other:
Marine 36 36 3 39
Other 1 1 — 1
Total consumer other 37 37 3 40
Total consumer loans 140 140 27 140
Total loans with an allowance recorded 173 189 35 180
Total $ 308 $ 361 $ 35 $ 305
(a) The Recorded Investment represents the face amount of the loan increased or decreased by applicable accrued interest, net deferred loan
fees and costs, and unamortized premium or discount, and reflects direct charge-offs. This amount is a component of total loans on our
consolidated balance sheet.
(b) The Unpaid Principal Balance represents the customer’s legal obligation to us.
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