19. Business Segment Reporting Consumer Bank The Consumer Bank serves individuals and small businesses throughout our 15 -state branch footprint by offering a variety of deposit and investment products, personal finance and financial wellness services, lending, mortgage and home equity, student loan refinancing, credit card, treasury services, and business advisory services. The Consumer Bank also purchases retail auto sales contracts via a network of auto dealerships. The auto dealerships finance the sale of automobiles as the initial lender and then assign the contracts to us pursuant to dealer agreements. In addition, wealth management and investment services are offered to assist institutional, non-profit, and high-net-worth clients with their banking, trust, portfolio management, life insurance, charitable giving, and related needs. Commercial Bank The Commercial Bank is an aggregation of our Institutional and Commercial operating segments. The Commercial operating segment is a full-service corporate bank focused principally on serving the needs of middle market clients in seven industry sectors: consumer, energy, healthcare, industrial, public sector, real estate, and technology. The Commercial operating segment is also a significant servicer of commercial mortgage loans and a significant special servicer of CMBS. The Institutional operating segment delivers a broad suite of banking and capital markets products to its clients, including syndicated finance, debt and equity capital markets, commercial payments, equipment finance, commercial mortgage banking, derivatives, foreign exchange, financial advisory, and public finance. Other Other includes various corporate treasury activities such as management of our investment securities portfolio, long-term debt, short-term liquidity and funding activities, and balance sheet risk management, our principal investing unit, and various exit portfolios as well as reconciling items which primarily represents the unallocated portion of nonearning assets of corporate support functions. Charges related to the funding of these assets are part of net interest income and are allocated to the business segments through noninterest expense. Reconciling items also include intercompany eliminations and certain items that are not allocated to the business segments because they do not reflect their normal operations. The development and application of the methodologies that we use to allocate items among our business segments is a dynamic process. Accordingly, financial results may be revised periodically to reflect enhanced alignment of expense base allocations drivers, changes in the risk profile of a particular business, or changes in our organizational structure. The table below shows selected financial data for our business segments for the three- month periods ended March 31, 2020 , and March 31, 2019 . Three months ended March 31, Consumer Bank Commercial Bank Other Total Key dollars in millions 2020 2019 2020 2019 2020 2019 2020 2019 SUMMARY OF OPERATIONS Net interest income (TE) $ 590 $ 591 $ 410 $ 402 $ (11 ) $ (8 ) $ 989 $ 985 Noninterest income 230 214 219 300 28 22 477 536 Total revenue (TE) (a) 820 805 629 702 17 14 1,466 1,521 Provision for credit losses 140 45 214 16 5 1 359 62 Depreciation and amortization expense 21 23 36 29 35 36 92 88 Other noninterest expense 522 517 317 344  14 839 875 Income (loss) from continuing operations before income taxes (TE) 137 220 62 313 (23 ) (37 ) 176 496 Allocated income taxes and TE adjustments 32 52 (8 ) 63 7 (25 ) 31 90 Income (loss) from continuing operations 105 168 70 250 (30 ) (12 ) 145 406 Income (loss) from discontinued operations, net of taxes     1 1 1 1 Net income (loss) 105 168 70 250 (29 ) (11 ) 146 407 Less: Net income (loss) attributable to noncontrolling interests         Net income (loss) attributable to Key $ 105 $ 168 $ 70 $ 250 $ (29 ) $ (11 ) $ 146 $ 407 AVERAGE BALANCES (b) Loans and leases $ 35,197 $ 31,321 $ 60,082 $ 57,267 $ 895 $ 1,061 $ 96,174 $ 89,649 Total assets (a) 38,460 34,732 69,383 64,873 38,385 40,515 146,228 140,120 Deposits 73,320 71,288 36,058 34,417 950 1,871 110,328 107,576 OTHER FINANCIAL DATA Net loan charge-offs (b) $ 43 $ 34 $ 40 $ 30 $ 1  $ 84 $ 64 Return on average allocated equity (b) 12.18 % 21.27 % 6.00 % 22.60 % (1.33 )% (.61 )% 3.39 % 10.49 % Return on average allocated equity 12.18 21.27 6.00 22.60 (1.29 ) (.56 ) 3.41 10.51 Average full-time equivalent employees (c) 8,907 9,622 2,069 2,370 5,553 5,562 16,529 17,554 (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.