Accordingly, financial results may be revised periodically to reflect enhanced alignment of expense base allocation drivers, changes in the risk profile of a particular business, or changes in our organizational structure.


Year ended December 31,	Key Community Bank									Key Corporate Bank
dollars in millions	2014			2013			2012			2014			2013			2012
SUMMARY OF OPERATIONS
Net interest income (TE)	$	1,448		$	1,532		$	1,537		$	830		$	785		$	781
Noninterest income		769			784			771			800			751			718
Total revenue (TE) ^(a)		2,217			2,316			2,308			1,630			1,536			1,499
Provision (credit) for loan and lease losses		74			155			150			(2	)		(3	)		30
Depreciation and amortization expense		65			76			55			31			28			35
Other noninterest expense		1,705			1,759			1,845			817			771			758
Income (loss) from continuing operations before income taxes (TE)		373			326			258			784			740			676
Allocated income taxes (benefit) and TE adjustments		139			121			96			285			265			248
Income (loss) from continuing operations		234			205			162			499			475			428
Income (loss) from discontinued operations, net of taxes		—			—			—			—			—			—
Net income (loss)		234			205			162			499			475			428
Less: Net income (loss) attributable to noncontrolling interests		—			—			—			2			—			3
Net income (loss) attributable to Key	$	234		$	205		$	162		$	497		$	475		$	425

AVERAGE BALANCES ^(b)
Loans and leases	$	30,105		$	29,311		$	27,202		$	22,452		$	19,822		$	18,328
Total assets ^(a)		32,231			31,634			29,622			26,312			23,628			22,252
Deposits		50,325			49,804			48,708			16,793			15,696			12,572
OTHER FINANCIAL DATA
Expenditures for additions to long-lived assets ^{(a), (b)}	$	8		$	6		$	318		$	9		$	9		$	10
Net loan charge-offs ^(b)		117			147			195			(19	)		3			63
Return on average allocated equity ^(b)		8.60	%		6.98	%		5.63	%		32.42	%		30.55	%		25.79	%
Return on average allocated equity		8.60			6.98			5.63			32.42			30.55			25.79
Average full-time equivalent employees ^(c)		7,563			8,243			8,828			1,923			1,839			1,856

(a)

Substantially all revenue generated by our major business segments is derived from clients that reside in the United States. Substantially all long-lived assets, including premises and equipment, capitalized software, and goodwill held by our major business segments, are located in the United States.

(b)	From continuing operations.

(c)	The number of average full-time equivalent employees was not adjusted for discontinued operations.


Other Segments									Total Segments									Reconciling Items									Key
2014			2013			2012			2014			2013			2012			2014			2013			2012			2014			2013			2012

$	34		$	30			$ (38	)	$	2,312		$	2,347		$	2,280		$	5			1			$ 8		$	2,317		$	2,348		$	2,288
	237			233			391			1,806			1,768			1,880			(9	)	$	(2	)		(24	)		1,797			1,766			1,856
	271			263			353			4,118			4,115			4,160			(4	)		(1	)		(16	)		4,114			4,114			4,144
	(14	)		(24	)		50			58			128			230			1			2			(1	)		59			130			229
	12			15			19			108			119			109			152			141			141			260			260			250
	73			87			117			2,595			2,617			2,720			(96	)		(57	)		(152	)		2,499			2,560			2,568
	200			185			167			1,357			1,251			1,101			(61	)		(87	)		(4	)		1,296			1,164			1,097
	(31	)		(35	)		(41	)		393			351			303			(43	)		(57	)		(48	)		350			294			255
	231			220			208			964			900			798			(18	)		(30	)		44			946			870			842
	—			—			—			—			—			—			(39	)		40			23			(39	)		40			23
	231			220			208			964			900			798			(57	)		10			67			907			910			865
	5			—			4			7			—			7			—			—			—			7			—			7
$	226		$	220		$	204		$	957		$	900		$	791		$	(57	)	$	10		$	67		$	900		$	910		$	858


$	3,053		$	3,865		$	4,783		$	55,610		$	52,998		$	50,313		$	69		$	56		$	49		$	55,679		$	53,054		$	50,362
	27,883			28,403			28,354			86,426			83,665			80,228			653			512			614			87,079			84,177			80,842
	871			731			705			67,989			66,231			61,985			(124	)		(354	)		(150	)		67,865			65,877			61,835

	—			—			—		$	17		$	15		$	328		$	118		$	73		$	76		$	135		$	88		$	404
$	15		$	18		$	87			113			168			345			—			—			—			113			168			345
	38.83	%		31.84	%		24.91	%		19.79	%		17.36	%		14.80	%		(.32	)%		(.59	)%		.92	%		8.97	%		8.47	%		8.23	%
	38.83			31.84			24.91			19.79			17.36			14.80			(1.01	)		.20			1.40			8.60			8.86			8.46
	95			122			126			9,581			10,204			10,810			4,272			4,579			4,779			13,853			14,783			15,589