Jim Young (Lead): Male, 20-30 married to Della, quiet, thoughtful, witty; baritone.
Hunnicutt (Supporting): Male, 40-70 manager of Hadley’s Five & Ten, fancies himself a ladies’ man, a bit lecherous; bass.
William (Lead): Male, 35-45 Jim’s best friend and co-worker at the Bank of New York, gregarious, fun; tenor.
Betsy (Supporting): Female, 30-50 William’s wife, a little ditsy; doubles as Hula Girl; mezzo.
Della Young (Lead): Female, 18-26 married to Jim, sweet and gentle, but with spunk; soprano.
Maddy (Lead): Female, 35-55 Della’s best friend, works at Hadley’s, wise-cracking, fun-loving; alto.
Nestor (Supporting): Male, age 7-10 William and Betsy’s son, overly energetic, mischievous; any vocal range.
Annabelle (Supporting): Female age 8 -11 William and Betsy’s daughter, curious, manipulative, feisty; any vocal range.
Porter (Supporting): Male, 35-50 President of the Bank of New York, conceited, snobbish, blunt; any vocal range.
Officer O'Reilly (Supporting): Male, 30-50 NYC policeman, by-the-book, but kind; doubles as Caroler, baritone.
Officer Brown (Supporting): Make, 25-45 NYC policeman, cheerful, eager to help; doubles as Caroler; high tenor.
Henry/Santa (Supporting): Male, 35-55 cheerful, generous; tenor.
Alice (Supporting): Female, 18-40 caroler, bank customer; hula girl; soprano.
Emily (Supporting): Female, 18-40 caroler, bank customer, hula girl, mezzo.
Carolers: Quartet - Offier O'Reilly, Officer Brown, Alice, and Emily.
Beggar Family (Ensemble): Mother, Father, and Child (child doubles as newsboy); any vocal range.