| Interest income | — | — | — |
| Credit card loans | 16,109a | 14,438a | 10,632a |
| Other loans | 2,729a | 2,515a | 1,870a |
| Investment securities | 521a | 449a | 179a |
| Other interest income | 661a | 443a | 183a |
| Total interest income | 20,020a | 17,845a | 12,864a |
| Interest expense | — | — | — |
| Deposits | -4,772a | -3,886a | -1,257a |
| Short-term borrowings | -19a | -5a | -2a |
| Long-term borrowings | -933a | -855a | -606a |
| Total interest expense | -5,724a | -4,746a | -1,865a |
| Net interest income | 14,296a | 13,099a | 10,999a |
| Provision for credit losses | -4,911a | -6,018a | -2,359a |
| Net interest income after provision for credit losses | 9,385a | 7,081a | 8,640a |
| Other income | — | — | — |
| Discount and interchange revenue, net | 1,520a | 1,381a | 1,303a |
| Protection products revenue | 169a | 172a | 172a |
| Loan fee income | 819a | 763a | 632a |
| Transaction processing revenue | 345a | 303a | 249a |
| Losses on equity investments | -2a | -9a | -214a |
| Other income | 763a | 85a | 75a |
| Total other income | 3,614a | 2,695a | 2,217a |
| Other expense | — | — | — |
| Employee compensation and benefits | -2,824a | -2,434a | -2,139a |
| Marketing and business development | -1,070a | -1,164a | -1,035a |
| Information processing and communications | -735a | -608a | -513a |
| Professional fees | -1,274a | -1,041a | -871a |
| Premises and equipment | -93a | -89a | -118a |
| Other expense | -929a | -803a | -540a |
| Total other expense | -6,925a | -6,139a | -5,216a |
| Income before income taxes | 6,074a | 3,637a | 5,641a |
| Income tax expense | -1,539a | -841a | -1,325a |
| Net income | 4,535a | 2,796a | 4,316a |
| Net income allocated to common stockholders | 4,446a | 2,715a | 4,228a |