Keybank, Loan Charge- Offs and Recoveries
| 1996-12-31 (YTD Data) | Rank | |
| Total charge-offs | $66,157,000 | 76 |
| Loans secured by real estate, total | $18,127,000 | 31 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $18,127,000 | 31 |
| Construction and land development | $453,000 | 91 |
| Secured by farmland | $44,000 | 100 |
| Total charge-offs secured by 1-4 family residential properties | $6,366,000 | 39 |
| Secured by multifamily residential properties | $107,000 | 221 |
| Secured by nonfarm nonresidential properties | $11,157,000 | 20 |
| Real estate loans in foreign offices | $0 | 8 |
| Loans to depository institutions | $0 | 23 |
| To foreign banks | $0 | 12 |
| Loans to finance agricultural production and other loans to farmers | $503,000 | 28 |
| Commercial and industrial loans | $18,342,000 | 33 |
| Loans to individuals | $27,863,000 | 100 |
| Credit card loan charge offs | $3,939,000 | 167 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $23,924,000 | 33 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $0 | 308 |
| Lease financing receivables | $1,322,000 | 39 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $14,657,000 | 84 |
| Loans secured by real estate, total | $1,935,000 | 108 |
| To non-U.S. addressees | $0 | 8 |
| Real estate loans in domestic offices | $1,935,000 | 108 |
| Construction and land development | $17,000 | 308 |
| Secured by farmland | $0 | 587 |
| Secured by 1-4 family residential properties - total recoveries | $1,027,000 | 48 |
| Secured by multifamily residential properties | $76,000 | 123 |
| Secured by nonfarm nonresidential properties | $815,000 | 127 |
| Real estate loans in foreign offices | $0 | 7 |
| Loans to depository institutions | $0 | 32 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $106,000 | 46 |
| Commercial and industrial loans | $4,862,000 | 48 |
| Loans to individuals | $7,405,000 | 75 |
| Credit card loan recoveries | $403,000 | 182 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $7,002,000 | 35 |
| Loans to foreign governments and official institutions | $0 | 32 |
| Other loans | $0 | 331 |
| Lease financing receivables | $349,000 | 40 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $51,500,000 | 71 |
| Loans secured by real estate, total | $16,192,000 | 25 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $16,192,000 | 24 |
| Construction and land development | $436,000 | 75 |
| Secured by farmland | $44,000 | 78 |
| Secured by 1-4 family residential properties- net charge-offs | $5,339,000 | 39 |
| Secured by multifamily residential properties | $31,000 | 296 |
| Secured by nonfarm nonresidential properties | $10,342,000 | 13 |
| Real estate loans in foreign offices | $0 | 6 |
| Loans to depository institutions | $0 | 20 |
| To foreign banks | $0 | 10 |
| Loans to finance agricultural production and other loans to farmers | $397,000 | 29 |
| Commercial and industrial loans | $13,480,000 | 29 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $20,458,000 | 102 |
| Credit card loan net charge offs | $3,536,000 | 167 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $16,922,000 | 30 |
| Loans to foreign governments and official institutions | $0 | 5 |
| Other loans | $0 | 263 |
| Lease financing receivables | $973,000 | 41 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1995-12-31 (YTD Data) | Rank | |
| Total charge-offs | $61,692,000 | 68 |
| Loans secured by real estate, total | $19,852,000 | 39 |
| To non-U.S. addressees | $0 | 15 |
| Real estate loans in domestic offices | $19,852,000 | 39 |
| Construction and land development | $599,000 | 112 |
| Secured by farmland | $301,000 | 21 |
| Total charge-offs secured by 1-4 family residential properties | $4,570,000 | 54 |
| Secured by multifamily residential properties | $0 | 559 |
| Secured by nonfarm nonresidential properties | $14,382,000 | 29 |
| Real estate loans in foreign offices | $0 | 12 |
| Loans to depository institutions | $0 | 23 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $1,769,000 | 6 |
| Commercial and industrial loans | $9,242,000 | 57 |
| Loans to individuals | $29,561,000 | 76 |
| Credit card loan charge offs | $8,737,000 | 103 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $20,824,000 | 23 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $0 | 360 |
| Lease financing receivables | $1,268,000 | 29 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $20,000,000 | 56 |
| Loans secured by real estate, total | $1,518,000 | 138 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $1,518,000 | 137 |
| Construction and land development | $6,000 | 455 |
| Secured by farmland | $4,000 | 402 |
| Secured by 1-4 family residential properties - total recoveries | $784,000 | 67 |
| Secured by multifamily residential properties | $0 | 496 |
| Secured by nonfarm nonresidential properties | $724,000 | 150 |
| Real estate loans in foreign offices | $0 | 13 |
| Loans to depository institutions | $0 | 32 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $44,000 | 89 |
| Commercial and industrial loans | $8,924,000 | 33 |
| Loans to individuals | $8,852,000 | 62 |
| Credit card loan recoveries | $1,904,000 | 89 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $6,948,000 | 33 |
| Loans to foreign governments and official institutions | $0 | 30 |
| Other loans | $0 | 383 |
| Lease financing receivables | $662,000 | 18 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $41,692,000 | 73 |
| Loans secured by real estate, total | $18,334,000 | 34 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $18,334,000 | 34 |
| Construction and land development | $593,000 | 96 |
| Secured by farmland | $297,000 | 19 |
| Secured by 1-4 family residential properties- net charge-offs | $3,786,000 | 55 |
| Secured by multifamily residential properties | $0 | 498 |
| Secured by nonfarm nonresidential properties | $13,658,000 | 20 |
| Real estate loans in foreign offices | $0 | 9 |
| Loans to depository institutions | $0 | 19 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $1,725,000 | 5 |
| Commercial and industrial loans | $318,000 | 669 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $20,709,000 | 75 |
| Credit card loan net charge offs | $6,833,000 | 107 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $13,876,000 | 20 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $0 | 309 |
| Lease financing receivables | $606,000 | 32 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1994-12-31 (YTD Data) | Rank | |
| Total charge-offs | $66,356,000 | 59 |
| Loans secured by real estate, total | $16,924,000 | 62 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $16,924,000 | 62 |
| Construction and land development | $1,358,000 | 82 |
| Secured by farmland | $1,503,000 | 1 |
| Total charge-offs secured by 1-4 family residential properties | $3,371,000 | 87 |
| Secured by multifamily residential properties | $0 | 659 |
| Secured by nonfarm nonresidential properties | $10,692,000 | 51 |
| 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 | $2,992,000 | 7 |
| Commercial and industrial loans | $15,940,000 | 36 |
| Loans to individuals | $30,489,000 | 51 |
| Credit card loan charge offs | $11,696,000 | 76 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $18,793,000 | 15 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $0 | 345 |
| Lease financing receivables | $11,000 | 235 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $16,073,000 | 73 |
| Loans secured by real estate, total | $472,000 | 356 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $472,000 | 354 |
| Construction and land development | $0 | 797 |
| Secured by farmland | $0 | 744 |
| Secured by 1-4 family residential properties - total recoveries | $280,000 | 187 |
| Secured by multifamily residential properties | $0 | 504 |
| Secured by nonfarm nonresidential properties | $192,000 | 360 |
| 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 | $1,000 | 215 |
| Commercial and industrial loans | $7,845,000 | 41 |
| Loans to individuals | $7,403,000 | 67 |
| Credit card loan recoveries | $1,775,000 | 82 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $5,628,000 | 40 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $0 | 356 |
| Lease financing receivables | $352,000 | 43 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $50,283,000 | 50 |
| Loans secured by real estate, total | $16,452,000 | 56 |
| To non-U.S. addressees | $0 | 9 |
| Real estate loans in domestic offices | $16,452,000 | 56 |
| Construction and land development | $1,358,000 | 74 |
| Secured by farmland | $1,503,000 | 1 |
| Secured by 1-4 family residential properties- net charge-offs | $3,091,000 | 82 |
| Secured by multifamily residential properties | $0 | 608 |
| Secured by nonfarm nonresidential properties | $10,500,000 | 37 |
| 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 | $2,991,000 | 4 |
| Commercial and industrial loans | $8,095,000 | 34 |
| To non-U.S. addressees | $0 | 26 |
| Loans to individuals | $23,086,000 | 49 |
| Credit card loan net charge offs | $9,921,000 | 74 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $13,165,000 | 13 |
| Loans to foreign governments and official institutions | $0 | 9 |
| Other loans | $0 | 276 |
| Lease financing receivables | $-341,000 | 11,061 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1993-12-31 (YTD Data) | Rank | |
| Total charge-offs | $86,814,000 | 55 |
| Loans secured by real estate, total | $26,842,000 | 67 |
| To non-U.S. addressees | $0 | 19 |
| Real estate loans in domestic offices | $26,842,000 | 67 |
| Construction and land development | $3,379,000 | 95 |
| Secured by farmland | $1,337,000 | 5 |
| Total charge-offs secured by 1-4 family residential properties | $4,817,000 | 68 |
| Secured by multifamily residential properties | $0 | 764 |
| Secured by nonfarm nonresidential properties | $17,309,000 | 54 |
| 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 | $3,199,000 | 2 |
| Commercial and industrial loans | $26,011,000 | 43 |
| Loans to individuals | $30,460,000 | 54 |
| Credit card loan charge offs | $10,746,000 | 78 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $19,714,000 | 16 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $0 | 371 |
| Lease financing receivables | $302,000 | 85 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $13,022,000 | 92 |
| Loans secured by real estate, total | $386,000 | 420 |
| To non-U.S. addressees | $0 | 16 |
| Real estate loans in domestic offices | $386,000 | 419 |
| Construction and land development | $0 | 926 |
| Secured by farmland | $0 | 821 |
| Secured by 1-4 family residential properties - total recoveries | $377,000 | 129 |
| Secured by multifamily residential properties | $0 | 535 |
| Secured by nonfarm nonresidential properties | $9,000 | 1,600 |
| 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 | $16,000 | 132 |
| Commercial and industrial loans | $5,231,000 | 75 |
| Loans to individuals | $7,092,000 | 58 |
| Credit card loan recoveries | $1,427,000 | 89 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $5,665,000 | 33 |
| Loans to foreign governments and official institutions | $0 | 38 |
| Other loans | $0 | 355 |
| Lease financing receivables | $297,000 | 49 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $73,792,000 | 52 |
| Loans secured by real estate, total | $26,456,000 | 64 |
| To non-U.S. addressees | $0 | 18 |
| Real estate loans in domestic offices | $26,456,000 | 64 |
| Construction and land development | $3,379,000 | 84 |
| Secured by farmland | $1,337,000 | 5 |
| Secured by 1-4 family residential properties- net charge-offs | $4,440,000 | 65 |
| Secured by multifamily residential properties | $0 | 715 |
| Secured by nonfarm nonresidential properties | $17,300,000 | 45 |
| 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 | $3,183,000 | 2 |
| Commercial and industrial loans | $20,780,000 | 34 |
| To non-U.S. addressees | $0 | 36 |
| Loans to individuals | $23,368,000 | 48 |
| Credit card loan net charge offs | $9,319,000 | 74 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $14,049,000 | 13 |
| Loans to foreign governments and official institutions | $0 | 28 |
| Other loans | $0 | 299 |
| Lease financing receivables | $5,000 | 266 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1992-12-31 (YTD Data) | Rank | |
| Total charge-offs | $92,013,000 | 74 |
| Loans secured by real estate, total | $26,471,000 | 83 |
| To non-U.S. addressees | $0 | 17 |
| Real estate loans in domestic offices | $26,471,000 | 79 |
| Construction and land development | $2,779,000 | 136 |
| Secured by farmland | $2,000 | 837 |
| Total charge-offs secured by 1-4 family residential properties | $10,180,000 | 31 |
| Secured by multifamily residential properties | $0 | 893 |
| Secured by nonfarm nonresidential properties | $13,510,000 | 65 |
| 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 | $1,784,000 | 7 |
| Commercial and industrial loans | $29,640,000 | 61 |
| Loans to individuals | $33,704,000 | 50 |
| Credit card loan charge offs | $12,091,000 | 85 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $21,613,000 | 19 |
| Loans to foreign governments and official institutions | $0 | 43 |
| Other loans | $0 | 387 |
| Lease financing receivables | $414,000 | 96 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $10,599,000 | 101 |
| Loans secured by real estate, total | $470,000 | 319 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $470,000 | 319 |
| Construction and land development | $208,000 | 146 |
| Secured by farmland | $0 | 870 |
| Secured by 1-4 family residential properties - total recoveries | $187,000 | 231 |
| Secured by multifamily residential properties | $0 | 476 |
| Secured by nonfarm nonresidential properties | $75,000 | 590 |
| 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 | $10,000 | 146 |
| Commercial and industrial loans | $3,730,000 | 90 |
| Loans to individuals | $6,089,000 | 62 |
| Credit card loan recoveries | $1,075,000 | 99 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $5,014,000 | 39 |
| Loans to foreign governments and official institutions | $0 | 47 |
| Other loans | $0 | 349 |
| Lease financing receivables | $300,000 | 52 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $81,414,000 | 73 |
| Loans secured by real estate, total | $26,001,000 | 77 |
| To non-U.S. addressees | $0 | 17 |
| Real estate loans in domestic offices | $26,001,000 | 74 |
| Construction and land development | $2,571,000 | 136 |
| Secured by farmland | $2,000 | 711 |
| Secured by 1-4 family residential properties- net charge-offs | $9,993,000 | 30 |
| Secured by multifamily residential properties | $0 | 849 |
| Secured by nonfarm nonresidential properties | $13,435,000 | 64 |
| 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 | $1,774,000 | 4 |
| Commercial and industrial loans | $25,910,000 | 58 |
| To non-U.S. addressees | $0 | 50 |
| Loans to individuals | $27,615,000 | 48 |
| Credit card loan net charge offs | $11,016,000 | 80 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $16,599,000 | 17 |
| Loans to foreign governments and official institutions | $0 | 37 |
| Other loans | $0 | 326 |
| Lease financing receivables | $114,000 | 151 |
| 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.