U.S. Card Member Loans | | Exhibit 99.1 |
Ending U.S. Card Member loans: | | May 31, 2015 | | | Jun. 30, 2015 | | | Jul. 31, 2015 | | | Aug. 31, 2015 | | | Sept. 30, 2015 | | | Oct. 31, 2015 | | | Nov. 30, 2015 | | | Dec. 31, 2015 | | | Jan. 31, 2016 | | | Feb. 29, 2016 | | | Mar. 31, 2016 | | | Apr. 30, 2016 | | | May 31, 2016 | |
U.S. Consumer | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Loans held for investment | | $ | 51,821 | | | $ | 51,812 | | | $ | 51,851 | | | $ | 52,661 | | | $ | 52,160 | | | $ | 52,551 | | | $ | 53,818 | | | $ | 43,496 | | | $ | 42,474 | | | $ | 41,697 | | | $ | 42,432 | | | $ | 42,965 | | | $ | 44,174 | |
Loans held for investment related to Costco and JetBlue* | | | 12,648 | | | | 12,582 | | | | 12,476 | | | | 12,579 | | | | 12,164 | | | | 12,055 | | | | 12,329 | | | | - | | | | - | | | | - | | | | - | | | | - | | | | - | |
Total loans held for investment excluding loans related to Costco and JetBlue | | $ | 39,173 | | | $ | 39,230 | | | $ | 39,375 | | | $ | 40,082 | | | $ | 39,996 | | | $ | 40,496 | | | $ | 41,489 | | | $ | 43,496 | | | $ | 42,474 | | | $ | 41,697 | | | $ | 42,432 | | | $ | 42,965 | | | $ | 44,174 | |
Total loans held for investment, growth versus prior year | | | 7 | % | | | 7 | % | | | 6 | % | | | 7 | % | | | 7 | % | | | 7 | % | | | 7 | % | | | (18 | )% | | | (17 | )% | | | (15 | )% | | | (16 | )% | | | (15 | )% | | | (15 | )% |
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year | | | 7 | % | | | 7 | % | | | 7 | % | | | 8 | % | | | 8 | % | | | 9 | % | | | 9 | % | | | 10 | % | | | 11 | % | | | 12 | % | | | 12 | % | | | 12 | % | | | 13 | % |
Loans held for sale related to Costco and JetBlue* | | $ | - | | | $ | - | | | $ | - | | | $ | - | | | $ | - | | | $ | - | | | $ | - | | | $ | 12,755 | | | $ | 11,789 | | | $ | 10,901 | | | $ | 9,745 | | | $ | 9,603 | | | $ | 9,582 | |
* Note: Costco and JetBlue loans reclassified as held for sale as of December 2015. On March 18, 2016, the sale of the JetBlue portfolio was completed.
Ending U.S. Card Member loans: | | May 31, 2015 | | | Jun. 30, 2015 | | | Jul. 31, 2015 | | | Aug. 31, 2015 | | | Sept. 30, 2015 | | | Oct. 31, 2015 | | | Nov. 30, 2015 | | | Dec. 31, 2015 | | | Jan. 31, 2016 | | | Feb. 29, 2016 | | | Mar. 31, 2016 | | | Apr. 30, 2016 | | | May. 31, 2016 | |
U.S. Small Business | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Loans held for investment | | $ | 10,014 | | | $ | 9,919 | | | $ | 9,917 | | | $ | 9,970 | | | $ | 9,973 | | | $ | 10,195 | | | $ | 10,126 | | | $ | 7,951 | | | $ | 8,042 | | | $ | 7,970 | | | $ | 8,268 | | | $ | 8,438 | | | $ | 8,530 | |
Loans held for investment related to Costco and JetBlue* | | | 2,446 | | | | 2,413 | | | | 2,387 | | | | 2,377 | | | | 2,292 | | | | 2,288 | | | | 2,295 | | | | - | | | | - | | | | - | | | | - | | | | - | | | | - | |
Total loans held for investment excluding loans related to Costco and JetBlue | | $ | 7,568 | | | $ | 7,505 | | | $ | 7,531 | | | $ | 7,594 | | | $ | 7,681 | | | $ | 7,907 | | | $ | 7,831 | | | $ | 7,951 | | | $ | 8,042 | | | $ | 7,970 | | | $ | 8,268 | | | $ | 8,438 | | | $ | 8,530 | |
Total loans held for investment, growth versus prior year | | | 9 | % | | | 9 | % | | | 9 | % | | | 8 | % | | | 9 | % | | | 10 | % | | | 8 | % | | | (16 | )% | | | (15 | )% | | | (15 | )% | | | (14 | )% | | | (14 | )% | | | (15 | )% |
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year | | | 10 | % | | | 10 | % | | | 10 | % | | | 10 | % | | | 12 | % | | | 13 | % | | | 12 | % | | | 13 | % | | | 13 | % | | | 12 | % | | | 13 | % | | | 14 | % | | | 13 | % |
Loans held for sale related to Costco and JetBlue* | | $ | - | | | $ | - | | | $ | - | | | $ | - | | | $ | - | | | $ | - | | | $ | - | | | $ | 2,345 | | | $ | 2,200 | | | $ | 2,063 | | | $ | 2,032 | | | $ | 2,024 | | | $ | 2,008 | |
* Note: Costco and JetBlue loans reclassified as held for sale as of December 2015. On March 18, 2016, the sale of the JetBlue portfolio was completed.
Ending U.S. Card Member loans: | | May 31, 2015 | | | Jun 30, 2015 | | | Jul. 31, 2015 | | | Aug. 31, 2015 | | | Sept. 30, 2015 | | | Oct. 31, 2015 | | | Nov. 30, 2015 | | | Dec. 31, 2015 | | | Jan. 31, 2016 | | | Feb. 29, 2016 | | | Mar. 31, 2016 | | | Apr. 30, 2016 | | | May 31, 2016 | |
Total U.S. Consumer and Small Business | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Loans held for investment | | $ | 61,835 | | | $ | 61,731 | | | $ | 61,768 | | | $ | 62,631 | | | $ | 62,133 | | | $ | 62,746 | | | $ | 63,944 | | | $ | 51,446 | | | $ | 50,516 | | | $ | 49,666 | | | $ | 50,699 | | | $ | 51,403 | | | $ | 52,704 | |
Loans held for investment related to Costco and JetBlue* | | | 15,095 | | | | 14,996 | | | | 14,863 | | | | 14,955 | | | | 14,456 | | | | 14,343 | | | | 14,624 | | | | - | | | | - | | | | - | | | | - | | | | - | | | | - | |
Total loans held for investment excluding loans related to Costco and JetBlue | | $ | 46,740 | | | $ | 46,735 | | | $ | 46,905 | | | $ | 47,676 | | | $ | 47,677 | | | $ | 48,404 | | | $ | 49,320 | | | $ | 51,446 | | | $ | 50,516 | | | $ | 49,666 | | | $ | 50,699 | | | $ | 51,403 | | | $ | 52,704 | |
Total loans held for investment, growth versus prior year | | | 7 | % | | | 7 | % | | | 7 | % | | | 7 | % | | | 7 | % | | | 8 | % | | | 7 | % | | | (18 | )% | | | (16 | )% | | | (15 | )% | | | (15 | )% | | | (15 | )% | | | (15 | )% |
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year | | | 8 | % | | | 8 | % | | | 8 | % | | | 8 | % | | | 9 | % | | | 10 | % | | | 10 | % | | | 10 | % | | | 11 | % | | | 12 | % | | | 12 | % | | | 12 | % | | | 13 | % |
Loans held for sale related to Costco and JetBlue* | | $ | - | | | $ | - | | | $ | - | | | $ | - | | | $ | - | | | $ | - | | | $ | - | | | $ | 15,100 | | | $ | 13,988 | | | $ | 12,964 | | | $ | 11,777 | | | $ | 11,627 | | | $ | 11,590 | |
* Note: Costco and JetBlue loans reclassified as held for sale as of December 2015. On March 18, 2016, the sale of the JetBlue portfolio was completed.
Delinquency and Write-off Rate Statistics:** | | May. 31, 2015 | | | Jun. 30, 2015 | | | Jul. 31, 2015 | | | Aug. 31, 2015 | | | Sept. 30, 2015 | | | Oct. 31, 2015 | | | Nov. 30, 2015 | | | Dec. 31, 2015 | | | Jan. 31, 2016 | | | Feb. 29, 2016 | | | Mar. 31, 2016 | | | Apr. 30, 2016 | | | May 31, 2016 | |
U.S. Consumer | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
30 days past due loans as a % of total loans | | | 0.9 | % | | | 0.9 | % | | | 0.9 | % | | | 0.9 | % | | | 1.0 | % | | | 1.0 | % | | | 1.0 | % | | | 1.0 | % | | | 1.0 | % | | | 1.0 | % | | | 1.0 | % | | | 0.9 | % | | | 0.9 | % |
Net write-off rate - principal only | | | 1.3 | % | | | 1.3 | % | | | 1.3 | % | | | 1.3 | % | | | 1.2 | % | | | 1.4 | % | | | 1.5 | % | | | 1.4 | % | | | 1.4 | % | | | 1.4 | % | | | 1.5 | % | | | 1.5 | % | | | 1.6 | % |
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U.S. Small Business | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
30 days past due loans as a % of total loans | | | 0.9 | % | | | 0.9 | % | | | 0.9 | % | | | 0.9 | % | | | 1.0 | % | | | 1.0 | % | | | 1.0 | % | | | 1.1 | % | | | 1.0 | % | | | 1.1 | % | | | 1.0 | % | | | 1.0 | % | | | 1.0 | % |
Net write-off rate - principal only | | | 1.3 | % | | | 1.2 | % | | | 1.4 | % | | | 1.4 | % | | | 1.1 | % | | | 1.3 | % | | | 1.2 | % | | | 1.2 | % | | | 1.4 | % | | | 1.4 | % | | | 1.4 | % | | | 1.4 | % | | | 1.3 | % |
**All credit metrics for total loans held for investment. Costco and JetBlue loans reclassified as held for sale as of December 2015.
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