Keybank, Loan Charge- Offs and Recoveries
| 1996-12-31 (YTD Data) | Rank | |
| Total charge-offs | $14,458,000 | 194 |
| Loans secured by real estate, total | $1,992,000 | 234 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $1,992,000 | 234 |
| Construction and land development | $32,000 | 396 |
| Secured by farmland | $0 | 391 |
| Total charge-offs secured by 1-4 family residential properties | $809,000 | 231 |
| Secured by multifamily residential properties | $86,000 | 251 |
| Secured by nonfarm nonresidential properties | $1,065,000 | 179 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 23 |
| To foreign banks | $0 | 12 |
| Loans to finance agricultural production and other loans to farmers | $7,000 | 189 |
| Commercial and industrial loans | $5,455,000 | 96 |
| Loans to individuals | $6,990,000 | 208 |
| Credit card loan charge offs | $403,000 | 395 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $6,587,000 | 113 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $14,000 | 254 |
| Lease financing receivables | $0 | 355 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $7,600,000 | 134 |
| Loans secured by real estate, total | $2,039,000 | 104 |
| To non-U.S. addressees | $0 | 8 |
| Real estate loans in domestic offices | $2,039,000 | 104 |
| Construction and land development | $156,000 | 109 |
| Secured by farmland | $0 | 587 |
| Secured by 1-4 family residential properties - total recoveries | $153,000 | 273 |
| Secured by multifamily residential properties | $16,000 | 233 |
| Secured by nonfarm nonresidential properties | $1,714,000 | 69 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 32 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $41,000 | 93 |
| Commercial and industrial loans | $2,749,000 | 82 |
| Loans to individuals | $1,849,000 | 192 |
| Credit card loan recoveries | $123,000 | 302 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $1,726,000 | 127 |
| Loans to foreign governments and official institutions | $0 | 32 |
| Other loans | $922,000 | 25 |
| Lease financing receivables | $0 | 294 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $6,858,000 | 273 |
| Loans secured by real estate, total | $-47,000 | 11,008 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $-47,000 | 11,033 |
| Construction and land development | $-124,000 | 11,379 |
| Secured by farmland | $0 | 311 |
| Secured by 1-4 family residential properties- net charge-offs | $656,000 | 221 |
| Secured by multifamily residential properties | $70,000 | 239 |
| Secured by nonfarm nonresidential properties | $-649,000 | 11,394 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 20 |
| To foreign banks | $0 | 10 |
| Loans to finance agricultural production and other loans to farmers | $-34,000 | 1,173 |
| Commercial and industrial loans | $2,706,000 | 108 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $5,141,000 | 217 |
| Credit card loan net charge offs | $280,000 | 430 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $4,861,000 | 106 |
| Loans to foreign governments and official institutions | $0 | 5 |
| Other loans | $-908,000 | 1,202 |
| Lease financing receivables | $0 | 316 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1995-12-31 (YTD Data) | Rank | |
| Total charge-offs | $11,478,000 | 238 |
| Loans secured by real estate, total | $4,333,000 | 162 |
| To non-U.S. addressees | $0 | 15 |
| Real estate loans in domestic offices | $4,333,000 | 162 |
| Construction and land development | $15,000 | 639 |
| Secured by farmland | $0 | 381 |
| Total charge-offs secured by 1-4 family residential properties | $552,000 | 316 |
| Secured by multifamily residential properties | $0 | 559 |
| Secured by nonfarm nonresidential properties | $3,766,000 | 89 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 23 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $16,000 | 141 |
| Commercial and industrial loans | $2,423,000 | 177 |
| Loans to individuals | $4,465,000 | 247 |
| Credit card loan charge offs | $943,000 | 295 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $3,522,000 | 153 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $241,000 | 106 |
| Lease financing receivables | $0 | 341 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $6,418,000 | 164 |
| Loans secured by real estate, total | $998,000 | 188 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $998,000 | 185 |
| Construction and land development | $166,000 | 118 |
| Secured by farmland | $0 | 623 |
| Secured by 1-4 family residential properties - total recoveries | $165,000 | 257 |
| Secured by multifamily residential properties | $0 | 496 |
| Secured by nonfarm nonresidential properties | $667,000 | 156 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 32 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $1,000 | 212 |
| Commercial and industrial loans | $2,978,000 | 93 |
| Loans to individuals | $1,959,000 | 188 |
| Credit card loan recoveries | $356,000 | 202 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $1,603,000 | 131 |
| Loans to foreign governments and official institutions | $0 | 30 |
| Other loans | $482,000 | 40 |
| Lease financing receivables | $0 | 322 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $5,060,000 | 313 |
| Loans secured by real estate, total | $3,335,000 | 158 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $3,335,000 | 158 |
| Construction and land development | $-151,000 | 11,899 |
| Secured by farmland | $0 | 306 |
| Secured by 1-4 family residential properties- net charge-offs | $387,000 | 350 |
| Secured by multifamily residential properties | $0 | 498 |
| Secured by nonfarm nonresidential properties | $3,099,000 | 84 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 19 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $15,000 | 98 |
| Commercial and industrial loans | $-555,000 | 11,879 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $2,506,000 | 284 |
| Credit card loan net charge offs | $587,000 | 326 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $1,919,000 | 170 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $-241,000 | 1,205 |
| Lease financing receivables | $0 | 281 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1994-12-31 (YTD Data) | Rank | |
| Total charge-offs | $10,704,000 | 248 |
| Loans secured by real estate, total | $2,548,000 | 289 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $2,548,000 | 288 |
| Construction and land development | $98,000 | 386 |
| Secured by farmland | $0 | 491 |
| Total charge-offs secured by 1-4 family residential properties | $723,000 | 294 |
| Secured by multifamily residential properties | $0 | 659 |
| Secured by nonfarm nonresidential properties | $1,727,000 | 198 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 18 |
| To foreign banks | $0 | 13 |
| Loans to finance agricultural production and other loans to farmers | $0 | 188 |
| Commercial and industrial loans | $3,874,000 | 144 |
| Loans to individuals | $4,220,000 | 215 |
| Credit card loan charge offs | $1,011,000 | 267 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $3,209,000 | 134 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $62,000 | 180 |
| Lease financing receivables | $0 | 332 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $5,281,000 | 198 |
| Loans secured by real estate, total | $854,000 | 238 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $854,000 | 236 |
| Construction and land development | $98,000 | 212 |
| Secured by farmland | $0 | 744 |
| Secured by 1-4 family residential properties - total recoveries | $79,000 | 513 |
| Secured by multifamily residential properties | $0 | 504 |
| Secured by nonfarm nonresidential properties | $677,000 | 159 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 33 |
| To foreign banks | $0 | 21 |
| Loans to finance agricultural production and other loans to farmers | $0 | 235 |
| Commercial and industrial loans | $2,550,000 | 131 |
| Loans to individuals | $1,868,000 | 194 |
| Credit card loan recoveries | $292,000 | 228 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $1,576,000 | 149 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $9,000 | 259 |
| Lease financing receivables | $0 | 351 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $5,423,000 | 281 |
| Loans secured by real estate, total | $1,694,000 | 304 |
| To non-U.S. addressees | $0 | 9 |
| Real estate loans in domestic offices | $1,694,000 | 304 |
| Construction and land development | $0 | 849 |
| Secured by farmland | $0 | 385 |
| Secured by 1-4 family residential properties- net charge-offs | $644,000 | 263 |
| Secured by multifamily residential properties | $0 | 608 |
| Secured by nonfarm nonresidential properties | $1,050,000 | 218 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 14 |
| To foreign banks | $0 | 11 |
| Loans to finance agricultural production and other loans to farmers | $0 | 130 |
| Commercial and industrial loans | $1,324,000 | 205 |
| To non-U.S. addressees | $0 | 26 |
| Loans to individuals | $2,352,000 | 225 |
| Credit card loan net charge offs | $719,000 | 274 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $1,633,000 | 135 |
| Loans to foreign governments and official institutions | $0 | 9 |
| Other loans | $53,000 | 139 |
| Lease financing receivables | $0 | 251 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1993-12-31 (YTD Data) | Rank | |
| Total charge-offs | $19,804,000 | 200 |
| Loans secured by real estate, total | $3,882,000 | 285 |
| To non-U.S. addressees | $0 | 19 |
| Real estate loans in domestic offices | $3,882,000 | 285 |
| Construction and land development | $1,040,000 | 196 |
| Secured by farmland | $0 | 674 |
| Total charge-offs secured by 1-4 family residential properties | $991,000 | 272 |
| Secured by multifamily residential properties | $0 | 764 |
| Secured by nonfarm nonresidential properties | $1,851,000 | 259 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 28 |
| To foreign banks | $0 | 17 |
| Loans to finance agricultural production and other loans to farmers | $0 | 175 |
| Commercial and industrial loans | $9,337,000 | 105 |
| Loans to individuals | $6,454,000 | 183 |
| Credit card loan charge offs | $1,399,000 | 231 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $5,055,000 | 104 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $131,000 | 160 |
| Lease financing receivables | $0 | 379 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $3,533,000 | 263 |
| Loans secured by real estate, total | $517,000 | 350 |
| To non-U.S. addressees | $0 | 16 |
| Real estate loans in domestic offices | $517,000 | 350 |
| Construction and land development | $202,000 | 168 |
| Secured by farmland | $0 | 821 |
| Secured by 1-4 family residential properties - total recoveries | $78,000 | 524 |
| Secured by multifamily residential properties | $0 | 535 |
| Secured by nonfarm nonresidential properties | $237,000 | 327 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 43 |
| To foreign banks | $0 | 26 |
| Loans to finance agricultural production and other loans to farmers | $0 | 220 |
| Commercial and industrial loans | $1,302,000 | 214 |
| Loans to individuals | $1,702,000 | 196 |
| Credit card loan recoveries | $293,000 | 221 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $1,409,000 | 150 |
| Loans to foreign governments and official institutions | $0 | 38 |
| Other loans | $12,000 | 221 |
| Lease financing receivables | $0 | 365 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $16,271,000 | 184 |
| Loans secured by real estate, total | $3,365,000 | 282 |
| To non-U.S. addressees | $0 | 18 |
| Real estate loans in domestic offices | $3,365,000 | 282 |
| Construction and land development | $838,000 | 204 |
| Secured by farmland | $0 | 548 |
| Secured by 1-4 family residential properties- net charge-offs | $913,000 | 260 |
| Secured by multifamily residential properties | $0 | 715 |
| Secured by nonfarm nonresidential properties | $1,614,000 | 247 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 16 |
| To foreign banks | $0 | 11 |
| Loans to finance agricultural production and other loans to farmers | $0 | 121 |
| Commercial and industrial loans | $8,035,000 | 85 |
| To non-U.S. addressees | $0 | 36 |
| Loans to individuals | $4,752,000 | 170 |
| Credit card loan net charge offs | $1,106,000 | 241 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $3,646,000 | 89 |
| Loans to foreign governments and official institutions | $0 | 28 |
| Other loans | $119,000 | 130 |
| Lease financing receivables | $0 | 315 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1992-12-31 (YTD Data) | Rank | |
| Total charge-offs | $40,475,000 | 142 |
| Loans secured by real estate, total | $9,791,000 | 175 |
| To non-U.S. addressees | $0 | 17 |
| Real estate loans in domestic offices | $9,791,000 | 174 |
| Construction and land development | $417,000 | 429 |
| Secured by farmland | $0 | 904 |
| Total charge-offs secured by 1-4 family residential properties | $642,000 | 428 |
| Secured by multifamily residential properties | $0 | 893 |
| Secured by nonfarm nonresidential properties | $8,732,000 | 104 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 43 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $0 | 201 |
| Commercial and industrial loans | $23,130,000 | 71 |
| Loans to individuals | $7,260,000 | 194 |
| Credit card loan charge offs | $1,719,000 | 240 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $5,541,000 | 107 |
| Loans to foreign governments and official institutions | $0 | 43 |
| Other loans | $294,000 | 120 |
| Lease financing receivables | $0 | 464 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $4,294,000 | 219 |
| Loans secured by real estate, total | $962,000 | 173 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $962,000 | 173 |
| Construction and land development | $423,000 | 78 |
| Secured by farmland | $0 | 870 |
| Secured by 1-4 family residential properties - total recoveries | $33,000 | 1,056 |
| Secured by multifamily residential properties | $0 | 476 |
| Secured by nonfarm nonresidential properties | $506,000 | 136 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 52 |
| To foreign banks | $0 | 28 |
| Loans to finance agricultural production and other loans to farmers | $0 | 217 |
| Commercial and industrial loans | $1,407,000 | 185 |
| Loans to individuals | $1,914,000 | 185 |
| Credit card loan recoveries | $212,000 | 263 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $1,702,000 | 134 |
| Loans to foreign governments and official institutions | $0 | 47 |
| Other loans | $11,000 | 239 |
| Lease financing receivables | $0 | 397 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $36,181,000 | 135 |
| Loans secured by real estate, total | $8,829,000 | 175 |
| To non-U.S. addressees | $0 | 17 |
| Real estate loans in domestic offices | $8,829,000 | 174 |
| Construction and land development | $-6,000 | 13,631 |
| Secured by farmland | $0 | 773 |
| Secured by 1-4 family residential properties- net charge-offs | $609,000 | 389 |
| Secured by multifamily residential properties | $0 | 849 |
| Secured by nonfarm nonresidential properties | $8,226,000 | 103 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 36 |
| To foreign banks | $0 | 15 |
| Loans to finance agricultural production and other loans to farmers | $0 | 152 |
| Commercial and industrial loans | $21,723,000 | 65 |
| To non-U.S. addressees | $0 | 50 |
| Loans to individuals | $5,346,000 | 196 |
| Credit card loan net charge offs | $1,507,000 | 233 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $3,839,000 | 106 |
| Loans to foreign governments and official institutions | $0 | 37 |
| Other loans | $283,000 | 104 |
| Lease financing receivables | $0 | 406 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.