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Regulatory Matters and Capital Adequacy (Tables)
 12 Months Ended
Dec. 31, 2014
Table Text Block [Abstract]  
Regulatory capital ratios

The following table presents the regulatory capital ratios for the Company and the Banks:

CET1Tier 1TotalCET1Tier 1TotalTier 1
(Millions, except percentages)capital(b)capitalcapitalcapital ratio(b)capital ratiocapital ratioleverage ratio
December 31, 2014:(a)      
American Express Company  $ 17,525 $ 18,176   $ 20,801   13.1%  13.6 %  15.6 %  11.8 % 
American Express Centurion Bank   6,174 6,174    6,584   18.8 18.8 20.1 18.7
American Express Bank, FSB   6,722 6,722    7,604   14.2 14.2 16.0 15.1 (c)
December 31, 2013:      
American Express Company  (b)$16,174  $18,585  (b)12.5% 14.4% 10.9% 
American Express Centurion Bank  (b)6,366  6,765  (b)19.921.219.0
American Express Bank, FSB  (b)6,744  7,662  (b)15.617.717.5(c)
Well-capitalized ratios(e)      (f)6.0% 10.0% 5.0% (d)
Minimum capital ratios(e)      4.0% 5.5% 8.0% 4.0% 

  • Beginning in 2014, as a Basel III Advanced Approaches institution, capital ratios are reported using Basel III capital definitions, inclusive of transition provisions and Basel I risk-weighted assets.
  • As part of the new Basel III capital rule, effective for 2014, Basel III Advanced Approaches institutions are required to disclose Common Equity Tier 1 capital and associated ratio.
  • FSB Tier 1 leverage ratio is calculated using ending total assets in 2013 and average total assets in 2014 as prescribed by OCC regulations applicable to federal savings banks.
  • Represents requirements for banking subsidiaries to be considered “well-capitalized” pursuant to regulations issued under the Federal Deposit Insurance Corporation Improvement Act. There is no “well-capitalized” definition for the Tier 1 leverage ratio for a bank holding company.
  • As defined by the regulations issued by the Federal Reserve, OCC and FDIC for the year ended December 31, 2014.
  • Beginning January 1, 2015, Basel III CET1 well-capitalized ratios become relevant capital measures under the prompt and corrective action requirements defined by the regulations for Advanced Approaches institutions.