U.S. Card Member Loans | Exhibit 99.1 |
Ending U.S. Card Member loans: | Nov. 30, 2015 | Dec. 31, 2015 | Jan. 31, 2016 | Feb. 29, 2016 | Mar. 31, 2016 | Apr. 30, 2016 | May 31, 2016 | Jun. 30, 2016 | Jul. 31, 2016 | Aug. 31, 2016 | Sept. 30, 2016 | Oct. 31, 2016 | Nov. 30, 2016 | |||||||||||||||||||||||||||||||||||||||
U.S. Consumer | ||||||||||||||||||||||||||||||||||||||||||||||||||||
Loans held for investment | $ | 53,818 | $ | 43,496 | $ | 42,474 | $ | 41,697 | $ | 42,432 | $ | 42,965 | $ | 44,174 | $ | 44,594 | $ | 44,785 | $ | 45,049 | $ | 44,857 | $ | 45,519 | $ | 46,729 | ||||||||||||||||||||||||||
Loans held for investment related to Costco and JetBlue* | 12,329 | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||||||||||||||||||
Total loans held for investment excluding loans related to Costco and JetBlue | $ | 41,489 | $ | 43,496 | $ | 42,474 | $ | 41,697 | $ | 42,432 | $ | 42,965 | $ | 44,174 | $ | 44,594 | $ | 44,785 | $ | 45,049 | $ | 44,857 | $ | 45,519 | $ | 46,729 | ||||||||||||||||||||||||||
Total loans held for investment, growth versus prior year | 7 | % | (18 | )% | (17 | )% | (15 | )% | (16 | )% | (15 | )% | (15 | )% | (14 | )% | (14 | )% | (14 | )% | (14 | )% | (13 | )% | (13 | )% | ||||||||||||||||||||||||||
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year | 9 | % | 10 | % | 11 | % | 12 | % | 12 | % | 12 | % | 13 | % | 14 | % | 14 | % | 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. The Costco and JetBlue portfolios were sold as of June 17, 2016 and March 18, 2016, respectively. |
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Ending U.S. Card Member loans: | Nov. 30, 2015 | Dec. 31, 2015 | Jan. 31, 2016 | Feb. 29, 2016 | Mar. 31, 2016 | Apr. 30, 2016 | May 31, 2016 | Jun. 30, 2016 | Jul. 31, 2016 | Aug. 31, 2016 | Sept. 30, 2016 | Oct. 31, 2016 | Nov. 30, 2016 | |||||||||||||||||||||||||||||||||||||||
U.S. Small Business | ||||||||||||||||||||||||||||||||||||||||||||||||||||
Loans held for investment | $ | 10,126 | $ | 7,951 | $ | 8,042 | $ | 7,970 | $ | 8,268 | $ | 8,438 | $ | 8,530 | $ | 8,644 | $ | 8,740 | $ | 8,781 | $ | 9,013 | $ | 9,209 | $ | 9,335 | ||||||||||||||||||||||||||
Loans held for investment related to Costco and JetBlue* | 2,295 | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||||||||||||||||||
Total loans held for investment excluding loans related to Costco and JetBlue | $ | 7,831 | $ | 7,951 | $ | 8,042 | $ | 7,970 | $ | 8,268 | $ | 8,438 | $ | 8,530 | $ | 8,644 | $ | 8,740 | $ | 8,781 | $ | 9,013 | $ | 9,209 | $ | 9,335 | ||||||||||||||||||||||||||
Total loans held for investment, growth versus prior year | 8 | % | (16 | )% | (15 | )% | (15 | )% | (14 | )% | (14 | )% | (15 | )% | (13 | )% | (12 | )% | (12 | )% | (10 | )% | (10 | )% | (8 | )% | ||||||||||||||||||||||||||
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year | 12 | % | 13 | % | 13 | % | 12 | % | 13 | % | 14 | % | 13 | % | 15 | % | 16 | % | 16 | % | 17 | % | 16 | % | 19 | % | ||||||||||||||||||||||||||
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. The Costco and JetBlue portfolios were sold as of June 17, 2016 and March 18, 2016, respectively. |
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Ending U.S. Card Member loans: | Nov. 30, 2015 | Dec. 31, 2015 | Jan. 31, 2016 | Feb. 29, 2016 | Mar. 31, 2016 | Apr. 30, 2016 | May 31, 2016 | Jun. 30, 2016 | Jul. 31, 2016 | Aug. 31, 2016 | Sept. 30, 2016 | Oct. 31, 2016 | Nov. 30, 2016 | |||||||||||||||||||||||||||||||||||||||
Total U.S. Consumer and Small Business | ||||||||||||||||||||||||||||||||||||||||||||||||||||
Loans held for investment | $ | 63,944 | $ | 51,446 | $ | 50,516 | $ | 49,666 | $ | 50,699 | $ | 51,403 | $ | 52,704 | $ | 53,238 | $ | 53,525 | $ | 53,829 | $ | 53,870 | $ | 54,728 | $ | 56,064 | ||||||||||||||||||||||||||
Loans held for investment related to Costco and JetBlue* | 14,624 | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||||||||||||||||||
Total loans held for investment excluding loans related to Costco and JetBlue | $ | 49,320 | $ | 51,446 | $ | 50,516 | $ | 49,666 | $ | 50,699 | $ | 51,403 | $ | 52,704 | $ | 53,238 | $ | 53,525 | $ | 53,829 | $ | 53,870 | $ | 54,728 | $ | 56,064 | ||||||||||||||||||||||||||
Total loans held for investment, growth versus prior year | 7 | % | (18 | )% | (16 | )% | (15 | )% | (15 | )% | (15 | )% | (15 | )% | (14 | )% | (13 | )% | (14 | )% | (13 | )% | (13 | )% | (12 | )% | ||||||||||||||||||||||||||
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year | 10 | % | 10 | % | 11 | % | 12 | % | 12 | % | 12 | % | 13 | % | 14 | % | 14 | % | 13 | % | 13 | % | 13 | % | 14 | % | ||||||||||||||||||||||||||
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. The Costco and JetBlue portfolios were sold as of June 17, 2016 and March 18, 2016, respectively. |
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Delinquency and Write-off Rate Statistics:** | Nov. 30, 2015 | Dec. 31, 2015 | Jan. 31, 2016 | Feb. 29, 2016 | Mar. 31, 2016 | Apr. 30, 2016 | May 31, 2016 | Jun. 30, 2016 | Jul. 31, 2016 | Aug. 31, 2016 | Sept. 30, 2016 | Oct. 31, 2016 | Nov. 30, 2016 | |||||||||||||||||||||||||||||||||||||||
U.S. Consumer | ||||||||||||||||||||||||||||||||||||||||||||||||||||
30 days past due loans as a % of total loans | 1.0 | % | 1.0 | % | 1.0 | % | 1.0 | % | 1.0 | % | 0.9 | % | 0.9 | % | 1.1 | % | 1.1 | % | 1.1 | % | 1.1 | % | 1.1 | % | 1.1 | % | ||||||||||||||||||||||||||
Net write-off rate - principal only | 1.5 | % | 1.4 | % | 1.4 | % | 1.4 | % | 1.5 | % | 1.5 | % | 1.6 | % | 1.3 | % | 1.6 | % | 1.6 | % | 1.6 | % | 1.6 | % | 1.5 | % | ||||||||||||||||||||||||||
U.S. Small Business | ||||||||||||||||||||||||||||||||||||||||||||||||||||
30 days past due loans as a % of total loans | 1.0 | % | 1.1 | % | 1.0 | % | 1.1 | % | 1.0 | % | 1.0 | % | 1.0 | % | 1.1 | % | 1.1 | % | 1.1 | % | 1.1 | % | 1.1 | % | 1.1 | % | ||||||||||||||||||||||||||
Net write-off rate - principal only | 1.2 | % | 1.2 | % | 1.4 | % | 1.4 | % | 1.4 | % | 1.4 | % | 1.3 | % | 1.2 | % | 1.5 | % | 1.6 | % | 1.6 | % | 1.5 | % | 1.2 | % |
** | 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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