KeyBank 2015 Annual Report Download - page 72

Financial Condition
Loans and loans held for sale
Figure 15 shows the composition of our loan portfolio at December 31 for each of the past five years.
Figure 15. Composition of Loans
2015 2014 2013
December 31,
dollars in millions Amount
Percent
of Total Amount
Percent
of Total Amount
Percent
of Total
COMMERCIAL
Commercial, financial and agricultural (a), (b) $ 31,240 52.2 % $ 27,982 48.8% $ 24,963 45.8 %
Commercial real estate: (c)
Commercial mortgage 7,959 13.3 8,047 14.0 7,720 14.2
Construction 1,053 1.7 1,100 1.9 1,093 2.0
Total commercial real estate loans 9,012 15.0 9,147 15.9 8,813 16.2
Commercial lease financing (d) 4,020 6.7 4,252 7.4 4,551 8.4
Total commercial loans 44,272 73.9 41,381 72.1 38,327 70.4
CONSUMER
Real estate — residential mortgage 2,242 3.7 2,225 3.9 2,187 4.0
Home equity:
Key Community Bank 10,127 16.9 10,366 18.1 10,340 19.0
Other 208 .4 267 .5 334 .6
Total home equity loans 10,335 17.3 10,633 18.6 10,674 19.6
Consumer other — Key Community Bank 1,600 2.7 1,560 2.7 1,449 2.7
Credit cards 806 1.3 754 1.3 722 1.3
Consumer other:
Marine 583 1.0 779 1.3 1,028 1.9
Other 38 .1 49 .1 70 .1
Total consumer other 621 1.1 828 1.4 1,098 2.0
Total consumer loans 15,604 26.1 16,000 27.9 16,130 29.6
Total loans (e), (f) $ 59,876 100.0 % $ 57,381 100.0% $ 54,457 100.0 %
2012 2011
Amount
Percent
of Total Amount
Percent
of Total
COMMERCIAL
Commercial, financial and agricultural (a) $ 23,242 44.0 % $ 19,759 39.9 %
Commercial real estate:
Commercial mortgage 7,720 14.6 8,037 16.2
Construction 1,003 1.9 1,312 2.6
Total commercial real estate loans 8,723 16.5 9,349 18.8
Commercial lease financing 4,915 9.3 5,674 11.4
Total commercial loans 36,880 69.8 34,782 70.1
CONSUMER
Real estate — residential mortgage 2,174 4.1 1,946 3.9
Home equity:
Key Community Bank 9,816 18.6 9,229 18.6
Other 423 .8 535 1.1
Total home equity loans 10,239 19.4 9,764 19.7
Consumer other — Key Community Bank 1,349 2.5 1,192 2.4
Credit cards 729 1.4 — —
Consumer other:
Marine 1,358 2.6 1,766 3.6
Other 93 .2 125 .3
Total consumer other 1,451 2.8 1,891 3.9
Total consumer loans 15,942 30.2 14,793 29.9
Total loans (e), (f) $ 52,822 100.0 % $ 49,575 100.0 %
(a) Loan balances include $85 million, $88 million, $94 million, and $90 million of commercial credit card balances at December 31,
2015, December 31, 2014, December 31, 2013, and December 31, 2012, respectively.
(b) See Figure 16 for a more detailed breakdown of our commercial, financial and agricultural loan portfolio at December 31, 2015, and
December 31, 2014.
(c) See Figure 17 for a more detailed breakdown of our commercial real estate loan portfolio at December 31, 2015, and December 31, 2014.
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