American Express 2015 Annual Report Download - page 174

GUIDE 3 – STATISTICAL DISCLOSURE BY BANK HOLDING COMPANIES
The accompanying supplemental information should be read in conjunction with the “MD&A”, Consolidated
Financial Statements and notes thereto. The disclosures presented are excluding amounts associated with Card
Member loans and receivables HFS, unless otherwise indicated.
Certain reclassifications of prior period amounts have been made to conform to the current period presentation.
These reclassifications did not have a material impact on the Company’s financial position or results of operations.
Distribution of Assets, Liabilities, and Shareholders’ Equity; Interest Rates and Interest Differential
The following tables provide a summary of the Company’s consolidated average balances including major
categories of interest-earning assets and interest-bearing liabilities along with an analysis of net interest earnings.
Consolidated average balances, interest, and average yields are segregated between U.S. and non-U.S. offices. Assets,
liabilities, interest income and interest expense are attributed to the United States and outside the United States
based on the location of the office recording such items.
2015 2014 2013
Years Ended December 31,
(Millions, except percentages) Average Balance (a) Interest Income Average Yield Average Balance (a) Interest Income Average Yield Average Balance (a) Interest Income Average Yield
Interest-earning assets
Interest-bearing deposits in other banks (b)
U.S. . . . . . . . . . . . . . . . . . . . . . . . . ................ $ 19,255 $ 50 0.3% $ 16,851 $ 41 0.2% $19,230 $ 49 0.3%
Non-U.S. . . . . . . . . . .......................... 2,137 16 0.7 2,091 18 0.9 2,409 26 1.1
Federal funds sold and securities purchased under
agreements to resell
Non-U.S. . . . . . . . . . .......................... 188 6 3.2 235 8 3.4 136 5 3.7
Short-term investment securities
U.S. . . . . . . . . . . . . . . . . . . . . . . . . ................ 12 — — 62 — — 154 — —
Non-U.S. . . . . . . . . . .......................... 393 3 0.8 272 1 0.4 204 1 0.5
Card Member loans, including loans HFS (c)(d)
U.S. . . . . . . . . . . . . . . . . . . . . . . . . ................ 61,911 6,258 10.1 57,826 5,778 10.0 54,845 5,555 10.1
Non-U.S. . . . . . . . . . .......................... 7,093 930 13.1 8,211 1,072 13.1 8,431 1,111 13.2
Other loans (c)
U.S. . . . . . . . . . . . . . . . . . . . . . . . . ................ 891 93 10.4 547 49 9.0 329 29 8.8
Non-U.S. . . . . . . . . . .......................... 154 28 18.2 209 30 14.4 235 23 9.8
Taxable investment securities (e)
U.S. . . . . . . . . . . . . . . . . . . . . . . . . ................ 607 10 1.7 611 10 1.7 596 12 2.1
Non-U.S. . . . . . . . . . .......................... 535 14 2.7 329 13 4.1 255 11 4.5
Non-taxable investment securities (e)
U.S. . . . . . . . . . . . . . . . . . . . . . . . . ................ 3,083 133 6.9 3,806 154 6.4 4,331 175 6.3
Other assets (f)
Primarily U.S. . . . . . .......................... 1 4 n.m. 45 5 n.m. 222 8 n.m.
Total interest-earning
assets (g) ................................ $96,260 $ 7,545 7.9% $91,095 $ 7,179 8.0% $ 91,377 $7,005 7.8%
U.S. . . . . . . . . . . . . . . . . . . . . . . . . ................ 85,760 6,548 79,748 6,037 79,707 5,828
Non-U.S. . . . . . . . . . .......................... 10,500 997 11,347 1,142 11,670 1,177
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