Call reports 2013
SYNCHRONY BANK — 2013
What SYNCHRONY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 33,795,086,000 | 33,483,456,000 | 34,840,150,000 | 37,806,067,000 |
| Total loans | 27,775,406,000 | 29,690,591,000 | 31,536,384,000 | 35,081,132,000 |
| Allowance for loan losses | 1,403,459,000 | 1,449,703,000 | 1,630,171,000 | 1,733,798,000 |
| Securities available for sale | 200,338,000 | 223,568,000 | 232,315,000 | 234,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,536,662,000 | 21,325,143,000 | 22,461,941,000 | 26,369,358,000 |
| Interest-bearing deposits | 21,974,684,000 | 20,853,316,000 | 22,013,611,000 | 26,010,629,000 |
| Noninterest-bearing deposits | 561,978,000 | 471,827,000 | 448,330,000 | 358,729,000 |
| Equity capital | 5,769,379,000 | 6,289,340,000 | 5,914,433,000 | 5,985,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,275,240,000 | 2,534,746,000 | 3,801,092,000 | 5,227,884,000 |
| Interest expense | 101,052,000 | 200,215,000 | 301,564,000 | 402,108,000 |
| Net interest income | 1,174,188,000 | 2,334,531,000 | 3,499,528,000 | 4,825,776,000 |
| Noninterest income | 170,750,000 | 554,943,000 | 1,077,076,000 | 1,648,691,000 |
| Noninterest expense | 458,825,000 | 897,884,000 | 1,370,316,000 | 2,041,252,000 |
| Provision for loan losses | 635,663,000 | 1,012,836,000 | 1,490,033,000 | 1,965,430,000 |
| Pretax income | 250,450,000 | 978,754,000 | 1,716,255,000 | 2,467,736,000 |
| Income tax | 92,192,000 | 360,002,000 | 632,730,000 | 932,950,000 |
| Net income | 158,258,000 | 618,752,000 | 1,083,525,000 | 1,534,786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,267,621,000 | 5,805,469,000 | 5,488,163,000 | 5,558,990,000 |
| Total capital | 5,740,845,000 | 6,192,682,000 | 5,900,733,000 | 6,009,963,000 |
| Risk-weighted assets | 36,918,759,000 | 29,910,323,000 | 31,784,624,000 | 34,794,978,000 |