Keybank, Loan Charge- Offs and Recoveries
| 1996-12-31 (YTD Data) | Rank | |
| Total charge-offs | $5,109,000 | 412 |
| Loans secured by real estate, total | $466,000 | 653 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $466,000 | 653 |
| Construction and land development | $204,000 | 162 |
| Secured by farmland | $38,000 | 117 |
| Total charge-offs secured by 1-4 family residential properties | $105,000 | 971 |
| Secured by multifamily residential properties | $0 | 460 |
| Secured by nonfarm nonresidential properties | $119,000 | 667 |
| 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 | $326,000 | 42 |
| Commercial and industrial loans | $1,237,000 | 301 |
| Loans to individuals | $2,080,000 | 404 |
| Credit card loan charge offs | $477,000 | 374 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $1,603,000 | 331 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $778,000 | 55 |
| Lease financing receivables | $222,000 | 104 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $1,569,000 | 368 |
| Loans secured by real estate, total | $235,000 | 472 |
| To non-U.S. addressees | $0 | 8 |
| Real estate loans in domestic offices | $235,000 | 472 |
| Construction and land development | $0 | 613 |
| Secured by farmland | $74,000 | 66 |
| Secured by 1-4 family residential properties - total recoveries | $47,000 | 679 |
| Secured by multifamily residential properties | $0 | 399 |
| Secured by nonfarm nonresidential properties | $114,000 | 419 |
| 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 | $95,000 | 53 |
| Commercial and industrial loans | $525,000 | 289 |
| Loans to individuals | $536,000 | 378 |
| Credit card loan recoveries | $72,000 | 366 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $464,000 | 317 |
| Loans to foreign governments and official institutions | $0 | 32 |
| Other loans | $136,000 | 93 |
| Lease financing receivables | $42,000 | 106 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $3,540,000 | 410 |
| Loans secured by real estate, total | $231,000 | 765 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $231,000 | 764 |
| Construction and land development | $204,000 | 137 |
| Secured by farmland | $-36,000 | 10,021 |
| Secured by 1-4 family residential properties- net charge-offs | $58,000 | 1,147 |
| Secured by multifamily residential properties | $0 | 413 |
| Secured by nonfarm nonresidential properties | $5,000 | 1,352 |
| 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 | $231,000 | 41 |
| Commercial and industrial loans | $712,000 | 342 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $1,544,000 | 405 |
| Credit card loan net charge offs | $405,000 | 373 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $1,139,000 | 326 |
| Loans to foreign governments and official institutions | $0 | 5 |
| Other loans | $642,000 | 42 |
| Lease financing receivables | $180,000 | 98 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1995-12-31 (YTD Data) | Rank | |
| Total charge-offs | $3,945,000 | 488 |
| Loans secured by real estate, total | $501,000 | 717 |
| To non-U.S. addressees | $0 | 15 |
| Real estate loans in domestic offices | $501,000 | 716 |
| Construction and land development | $0 | 883 |
| Secured by farmland | $88,000 | 70 |
| Total charge-offs secured by 1-4 family residential properties | $68,000 | 1,343 |
| Secured by multifamily residential properties | $0 | 559 |
| Secured by nonfarm nonresidential properties | $345,000 | 476 |
| 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 | $246,000 | 32 |
| Commercial and industrial loans | $1,476,000 | 262 |
| Loans to individuals | $1,519,000 | 439 |
| Credit card loan charge offs | $138,000 | 621 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $1,381,000 | 312 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $203,000 | 112 |
| Lease financing receivables | $0 | 341 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $1,292,000 | 427 |
| Loans secured by real estate, total | $86,000 | 988 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $86,000 | 987 |
| Construction and land development | $0 | 688 |
| Secured by farmland | $7,000 | 336 |
| Secured by 1-4 family residential properties - total recoveries | $11,000 | 1,706 |
| Secured by multifamily residential properties | $0 | 496 |
| Secured by nonfarm nonresidential properties | $68,000 | 624 |
| 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 | $251,000 | 26 |
| Commercial and industrial loans | $545,000 | 315 |
| Loans to individuals | $370,000 | 480 |
| Credit card loan recoveries | $20,000 | 671 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $350,000 | 391 |
| Loans to foreign governments and official institutions | $0 | 30 |
| Other loans | $40,000 | 159 |
| Lease financing receivables | $0 | 322 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $2,653,000 | 482 |
| Loans secured by real estate, total | $415,000 | 644 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $415,000 | 643 |
| Construction and land development | $0 | 772 |
| Secured by farmland | $81,000 | 63 |
| Secured by 1-4 family residential properties- net charge-offs | $57,000 | 1,256 |
| Secured by multifamily residential properties | $0 | 498 |
| Secured by nonfarm nonresidential properties | $277,000 | 434 |
| 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 | $-5,000 | 1,123 |
| Commercial and industrial loans | $931,000 | 251 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $1,149,000 | 414 |
| Credit card loan net charge offs | $118,000 | 605 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $1,031,000 | 278 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $163,000 | 85 |
| 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 | $4,076,000 | 466 |
| Loans secured by real estate, total | $268,000 | 1,164 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $268,000 | 1,164 |
| Construction and land development | $8,000 | 835 |
| Secured by farmland | $0 | 491 |
| Total charge-offs secured by 1-4 family residential properties | $219,000 | 703 |
| Secured by multifamily residential properties | $0 | 659 |
| Secured by nonfarm nonresidential properties | $41,000 | 1,484 |
| 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 | $147,000 | 54 |
| Commercial and industrial loans | $2,687,000 | 182 |
| Loans to individuals | $974,000 | 506 |
| Credit card loan charge offs | $221,000 | 502 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $753,000 | 415 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $0 | 345 |
| Lease financing receivables | $0 | 332 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $1,078,000 | 530 |
| Loans secured by real estate, total | $190,000 | 636 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $190,000 | 635 |
| Construction and land development | $0 | 797 |
| Secured by farmland | $123,000 | 43 |
| Secured by 1-4 family residential properties - total recoveries | $14,000 | 1,671 |
| Secured by multifamily residential properties | $0 | 504 |
| Secured by nonfarm nonresidential properties | $53,000 | 766 |
| 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 | $97,000 | 58 |
| Commercial and industrial loans | $594,000 | 334 |
| Loans to individuals | $174,000 | 750 |
| Credit card loan recoveries | $57,000 | 438 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $117,000 | 850 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $23,000 | 189 |
| Lease financing receivables | $0 | 351 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $2,998,000 | 422 |
| Loans secured by real estate, total | $78,000 | 1,792 |
| To non-U.S. addressees | $0 | 9 |
| Real estate loans in domestic offices | $78,000 | 1,793 |
| Construction and land development | $8,000 | 717 |
| Secured by farmland | $-123,000 | 11,036 |
| Secured by 1-4 family residential properties- net charge-offs | $205,000 | 623 |
| Secured by multifamily residential properties | $0 | 608 |
| Secured by nonfarm nonresidential properties | $-12,000 | 11,890 |
| 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 | $50,000 | 64 |
| Commercial and industrial loans | $2,093,000 | 143 |
| To non-U.S. addressees | $0 | 26 |
| Loans to individuals | $800,000 | 427 |
| Credit card loan net charge offs | $164,000 | 504 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $636,000 | 291 |
| Loans to foreign governments and official institutions | $0 | 9 |
| Other loans | $-23,000 | 1,110 |
| 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 | $177,000 | 4,397 |
| Loans secured by real estate, total | $119,000 | 2,236 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $119,000 | 2,235 |
| Construction and land development | $0 | 1,259 |
| Secured by farmland | $55,000 | 149 |
| Total charge-offs secured by 1-4 family residential properties | $23,000 | 3,037 |
| Secured by multifamily residential properties | $0 | 764 |
| Secured by nonfarm nonresidential properties | $41,000 | 1,874 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $48,000 | 4,585 |
| Loans to individuals | $10,000 | 7,678 |
| Credit card loan charge offs | $2,000 | 3,391 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $8,000 | 7,597 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | $0 | 379 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | $48,000 | 523 |
| Total recoveries | $96,000 | 3,237 |
| Loans secured by real estate, total | $30,000 | 2,104 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $30,000 | 2,105 |
| Construction and land development | $0 | 926 |
| Secured by farmland | $0 | 821 |
| Secured by 1-4 family residential properties - total recoveries | $5,000 | 2,817 |
| Secured by multifamily residential properties | $0 | 535 |
| Secured by nonfarm nonresidential properties | $25,000 | 1,137 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $61,000 | 2,282 |
| Loans to individuals | $5,000 | 6,889 |
| Credit card loan recoveries | $0 | 2,866 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $5,000 | 6,603 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | $0 | 365 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | $58,000 | 193 |
| Net charge-offs | $81,000 | 5,012 |
| Loans secured by real estate, total | $89,000 | 2,174 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $89,000 | 2,172 |
| Construction and land development | $0 | 1,117 |
| Secured by farmland | $55,000 | 123 |
| Secured by 1-4 family residential properties- net charge-offs | $18,000 | 2,883 |
| Secured by multifamily residential properties | $0 | 715 |
| Secured by nonfarm nonresidential properties | $16,000 | 2,130 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $-13,000 | 11,608 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $5,000 | 7,181 |
| Credit card loan net charge offs | $2,000 | 3,091 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $3,000 | 7,204 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | $0 | 315 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | $-10,000 | 9,824 |
| 1992-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,036,000 | 1,801 |
| Loans secured by real estate, total | $8,000 | 6,900 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $8,000 | 6,899 |
| Construction and land development | $8,000 | 1,456 |
| Secured by farmland | $0 | 904 |
| Total charge-offs secured by 1-4 family residential properties | $0 | 6,523 |
| Secured by multifamily residential properties | $0 | 893 |
| Secured by nonfarm nonresidential properties | $0 | 3,945 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $994,000 | 783 |
| Loans to individuals | $34,000 | 5,599 |
| Credit card loan charge offs | $1,000 | 3,869 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $33,000 | 5,270 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | $0 | 464 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | $887,000 | 5 |
| Total recoveries | $107,000 | 3,116 |
| Loans secured by real estate, total | $21,000 | 2,556 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $21,000 | 2,557 |
| Construction and land development | $0 | 1,048 |
| Secured by farmland | $15,000 | 296 |
| Secured by 1-4 family residential properties - total recoveries | $1,000 | 4,105 |
| Secured by multifamily residential properties | $0 | 476 |
| Secured by nonfarm nonresidential properties | $5,000 | 1,779 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $82,000 | 1,933 |
| Loans to individuals | $4,000 | 7,607 |
| Credit card loan recoveries | $0 | 2,868 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $4,000 | 7,317 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | $0 | 397 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | $70,000 | 206 |
| Net charge-offs | $929,000 | 1,626 |
| Loans secured by real estate, total | $-13,000 | 13,155 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $-13,000 | 13,194 |
| Construction and land development | $8,000 | 1,351 |
| Secured by farmland | $-15,000 | 11,766 |
| Secured by 1-4 family residential properties- net charge-offs | $-1,000 | 12,379 |
| Secured by multifamily residential properties | $0 | 849 |
| Secured by nonfarm nonresidential properties | $-5,000 | 13,293 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $912,000 | 726 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $30,000 | 4,808 |
| Credit card loan net charge offs | $1,000 | 3,629 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $29,000 | 4,404 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | $0 | 406 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | $817,000 | 5 |
* 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.