Call reports 2001
SYNCHRONY BANK — 2001
What SYNCHRONY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 471,730,000 | 492,078,000 | 506,211,000 | 587,234,000 |
| Total loans | 409,117,000 | 407,215,000 | 420,663,000 | 529,976,000 |
| Allowance for loan losses | 12,891,000 | 12,467,000 | 13,301,000 | 16,157,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,200,000 | 40,844,000 | 38,447,000 | 37,117,000 |
| Interest-bearing deposits | 2,521,000 | 23,049,000 | 20,772,000 | 21,087,000 |
| Noninterest-bearing deposits | 19,679,000 | 17,795,000 | 17,675,000 | 16,030,000 |
| Equity capital | 56,754,000 | 65,265,000 | 78,161,000 | 68,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 18,798,000 | 36,984,000 | 55,310,000 | 73,782,000 |
| Interest expense | 2,833,000 | 4,867,000 | 6,859,000 | 9,033,000 |
| Net interest income | 15,965,000 | 32,117,000 | 48,451,000 | 64,749,000 |
| Noninterest income | 12,317,000 | 24,009,000 | 42,383,000 | 63,096,000 |
| Noninterest expense | 10,733,000 | 20,371,000 | 31,102,000 | 43,266,000 |
| Provision for loan losses | 2,949,000 | 5,929,000 | 10,645,000 | 17,800,000 |
| Pretax income | 14,600,000 | 29,826,000 | 49,087,000 | 66,779,000 |
| Income tax | 5,091,000 | 10,444,000 | 17,186,000 | 23,378,000 |
| Net income | 9,509,000 | 19,382,000 | 31,901,000 | 43,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,118,000 | 64,720,000 | 77,707,000 | 67,986,000 |
| Total capital | 61,855,000 | 70,440,000 | 83,647,000 | 75,441,000 |
| Risk-weighted assets | 451,813,000 | 450,890,000 | 467,815,000 | 587,664,000 |
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