| Fiscal period | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|
| Period End Date | 12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | 12/31/2020 | 12/31/2019 | 12/31/2018 | 12/31/2017 | 12/31/2016 | 12/31/2015 |
|---|
| Interest on loans | 21,095.00 | 17,697.00 | 11,967.00 | 8,850.00 | 9,779.00 | 11,308.00 | 9,941.00 | 8,138.00 | 7,205.00 | 7,309.00 |
| Cardmember lending finance charge revenue, net of interest | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Interest and dividends on investment securities | 86.00 | 128.00 | 96.00 | 83.00 | 127.00 | 188.00 | 118.00 | 89.00 | 131.00 | 157.00 |
| Deposits with banks and other | 2,614.00 | 2,158.00 | 595.00 | 100.00 | 177.00 | 588.00 | 547.00 | 326.00 | 139.00 | 79.00 |
| Interest income on Other | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Total Interest Income | 23,795.00 | 19,983.00 | 12,658.00 | 9,033.00 | 10,083.00 | 12,084.00 | 10,606.00 | 8,553.00 | 7,475.00 | 7,545.00 |
| Interest expense: Deposits | 5,695.00 | 4,865.00 | 1,527.00 | 458.00 | 943.00 | 1,559.00 | 1,287.00 | 779.00 | 598.00 | 475.00 |
| Interest expense: Short-term borrowings | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Interest expense: Long-term debt | 2,557.00 | 1,984.00 | 1,236.00 | 825.00 | 1,155.00 | 1,905.00 | 1,656.00 | 1,333.00 | 1,106.00 | 1,148.00 |
| Interest expense: Cardmember lending | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Interest expense: Charge card and other | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Total Interest Expense | 8,252.00 | 6,849.00 | 2,763.00 | 1,283.00 | 2,098.00 | 3,464.00 | 2,943.00 | 2,112.00 | 1,704.00 | 1,623.00 |
| Net Interest Income | 15,543.00 | 13,134.00 | 9,895.00 | 7,750.00 | 7,985.00 | 8,620.00 | 7,663.00 | 6,441.00 | 5,771.00 | 5,922.00 |
| Provisions for losses-Charge card | 774.00 | 880.00 | 627.00 | (73.00) | 1,015.00 | 963.00 | 937.00 | 795.00 | 696.00 | 737.00 |
| Provisions for losses-Cardmember loans | 4,109.00 | 3,839.00 | 1,514.00 | (1,155.00) | 3,453.00 | 2,462.00 | 2,266.00 | 1,868.00 | 1,235.00 | 1,190.00 |
| Provisions for losses-Other | 302.00 | 204.00 | 41.00 | (191.00) | 262.00 | 148.00 | 149.00 | 96.00 | 95.00 | 61.00 |
| Provisions for losses-Annuities and investment certificates | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Provisions for losses-Life insurance, international banking and other | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Net interest income after provisions for losses | 10,358.00 | 8,211.00 | 7,713.00 | -- | 3,255.00 | 5,047.00 | 4,311.00 | 3,682.00 | 3,745.00 | 3,934.00 |
| Other commissions and fees | -- | -- | -- | 2,392.00 | 2,163.00 | 3,297.00 | 3,153.00 | 3,022.00 | 2,753.00 | 2,517.00 |
| Travel commissions and fees | -- | -- | -- | -- | -- | -- | -- | -- | -- | 349.00 |
| Management and distribution fees | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Net card fees | 8,449.00 | 7,255.00 | 6,070.00 | 5,195.00 | 4,664.00 | 4,042.00 | 3,441.00 | 3,090.00 | 2,886.00 | 2,700.00 |
| Discount revenue | 35,192.00 | 33,416.00 | 30,739.00 | 25,727.00 | 20,401.00 | 26,167.00 | 24,721.00 | 19,186.00 | 18,680.00 | 19,297.00 |
| Revenue- Other | -- | -- | -- | 1,316.00 | 874.00 | 1,430.00 | 1,360.00 | 1,732.00 | 2,029.00 | 2,033.00 |
| Securitization income, net | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Insurance and annuity revenues | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Service fees and other revenue | 5,129.00 | 5,005.00 | 4,521.00 | -- | -- | -- | -- | -- | -- | -- |
| Processed revenue | 1,636.00 | 1,705.00 | 1,637.00 | -- | -- | -- | -- | -- | -- | -- |
| Total Non-interest Revenues | 50,406.00 | 47,381.00 | 42,967.00 | 34,630.00 | 28,102.00 | 34,936.00 | 32,675.00 | 27,030.00 | 26,348.00 | 26,896.00 |
| Salaries and employee benefits | 8,198.00 | 8,067.00 | 7,252.00 | 6,240.00 | 5,718.00 | 5,911.00 | 5,250.00 | 5,258.00 | 5,259.00 | 4,976.00 |
| Professional services | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Human resources | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Marketing, promotion, rewards and cardmember services | 6,040.00 | 5,213.00 | 5,458.00 | 9,053.00 | 6,747.00 | 7,114.00 | 6,470.00 | 3,217.00 | 3,650.00 | 3,109.00 |
| Occupancy and equipment | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Restructuring charges | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Communications | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Other, net | 6,364.00 | 6,807.00 | 6,481.00 | 4,817.00 | 5,325.00 | 5,868.00 | 5,671.00 | 5,776.00 | 5,162.00 | 6,793.00 |
| Business development | 5,886.00 | 5,657.00 | 4,943.00 | -- | -- | -- | -- | -- | -- | -- |
| Card Member rewards | 16,599.00 | 15,367.00 | 14,002.00 | 11,007.00 | 8,041.00 | 10,439.00 | 9,696.00 | 7,608.00 | 6,793.00 | 6,996.00 |
| Card Member services | 4,782.00 | 3,968.00 | 2,959.00 | 1,993.00 | 1,230.00 | 2,222.00 | 1,777.00 | 1,439.00 | 1,133.00 | 1,018.00 |
| Disaster recovery charge | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Total Non Interest Expenses | 47,869.00 | 45,079.00 | 41,095.00 | 33,110.00 | 27,061.00 | 31,554.00 | 28,864.00 | 23,298.00 | 21,997.00 | 22,892.00 |
| Pretax income from Continuing operations | 12,895.00 | 10,513.00 | 9,585.00 | 10,689.00 | 4,296.00 | 8,429.00 | 8,122.00 | 7,414.00 | 8,096.00 | 7,938.00 |
| Income tax provision | 2,766.00 | 2,139.00 | 2,071.00 | 2,629.00 | 1,161.00 | 1,670.00 | 1,201.00 | 4,678.00 | 2,688.00 | 2,775.00 |
| Income (loss) from continuing operations | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Income from discontinued operations, net of tax | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Cumulative effect of accounting change related to discontinued operations, net of tax | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Consolidated Net Income (Loss) | 10,129.00 | 8,374.00 | 7,514.00 | 8,060.00 | 3,135.00 | 6,759.00 | 6,921.00 | 2,736.00 | 5,408.00 | 5,163.00 |
| Preferred shares dividends, accretion, and recognition of remaining unaccreted dividends | 58.00 | 58.00 | 57.00 | 71.00 | 79.00 | 81.00 | 80.00 | 81.00 | 80.00 | 62.00 |
| Earnings allocated to participating share awards | 76.00 | 64.00 | 57.00 | 56.00 | 20.00 | 47.00 | 54.00 | 21.00 | 43.00 | 38.00 |
| Equity-related adjustment | -- | -- | -- | 16.00 | -- | -- | -- | -- | -- | -- |
| Net Income (Loss) Attributable to Common Shareholders | 9,995.00 | 8,252.00 | 7,400.00 | 7,917.00 | 3,036.00 | 6,631.00 | 6,787.00 | 2,634.00 | 5,285.00 | 5,063.00 |
| Earnings per Common Share - Basic - Continuing Operations | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Earnings per Common Share - Basic - Discontinued operations | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Earnings per Common Share - Basic: Net | 14.04 | 11.23 | 9.86 | 10.04 | 3.77 | 8.00 | 7.93 | 2.98 | 5.67 | 5.07 |
| Earnings per Common Share - Diluted - Continuing Operations | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Earnings per Common Share - Diluted - Discontinued operations | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Earnings per Common Share - Diluted: Net | 14.01 | 11.21 | 9.85 | 10.02 | 3.77 | 7.99 | 7.91 | 2.97 | 5.65 | 5.05 |
| Average common shares outstanding for earnings per common share: Basic | 712.00 | 735.00 | 751.00 | 789.00 | 805.00 | 828.00 | 856.00 | 883.00 | 933.00 | 999.00 |
| Average common shares outstanding for earnings per common share: Diluted | 713.00 | 736.00 | 752.00 | 790.00 | 806.00 | 830.00 | 859.00 | 886.00 | 935.00 | 1,003.00 |