Call reports 2012
SYNCHRONY BANK — 2012
What SYNCHRONY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 24,935,902,000 | 26,858,967,000 | 28,069,068,000 | 30,278,916,000 |
| Total loans | 23,144,381,000 | 25,292,786,000 | 26,087,305,000 | 28,369,709,000 |
| Allowance for loan losses | 929,561,000 | 894,171,000 | 1,004,613,000 | 1,111,853,000 |
| Securities available for sale | 192,328,000 | 186,809,000 | 180,447,000 | 191,811,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,028,317,000 | 18,166,864,000 | 18,045,463,000 | 18,945,878,000 |
| Interest-bearing deposits | 15,591,496,000 | 17,753,680,000 | 17,665,525,000 | 18,611,540,000 |
| Noninterest-bearing deposits | 436,821,000 | 413,184,000 | 379,938,000 | 334,338,000 |
| Equity capital | 4,122,141,000 | 4,622,453,000 | 5,084,176,000 | 5,580,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,035,544,000 | 2,129,732,000 | 3,237,960,000 | 4,354,381,000 |
| Interest expense | 90,201,000 | 190,580,000 | 291,614,000 | 342,994,000 |
| Net interest income | 945,343,000 | 1,939,152,000 | 2,946,346,000 | 4,011,387,000 |
| Noninterest income | 263,911,000 | 569,214,000 | 1,102,383,000 | 1,626,510,000 |
| Noninterest expense | 298,142,000 | 638,216,000 | 1,019,477,000 | 1,458,681,000 |
| Provision for loan losses | 241,562,000 | 475,747,000 | 938,648,000 | 1,346,813,000 |
| Pretax income | 669,550,000 | 1,394,403,000 | 2,090,604,000 | 2,832,403,000 |
| Income tax | 249,255,000 | 512,894,000 | 769,538,000 | 1,045,902,000 |
| Net income | 420,295,000 | 881,509,000 | 1,321,066,000 | 1,786,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,689,224,000 | 4,181,281,000 | 4,659,738,000 | 5,134,018,000 |
| Total capital | 4,067,082,000 | 4,591,584,000 | 5,097,325,000 | 5,607,693,000 |
| Risk-weighted assets | 29,691,906,000 | 32,351,978,000 | 34,428,453,000 | 37,245,698,000 |