Call reports 2015
SYNCHRONY BANK — 2015
What SYNCHRONY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 50,309,735,000 | 53,876,894,000 | 57,152,752,000 | 62,858,185,000 |
| Total loans | 40,581,432,000 | 43,609,711,000 | 46,089,848,000 | 50,692,663,000 |
| Allowance for loan losses | 2,409,408,000 | 2,449,674,000 | 2,563,820,000 | 2,745,375,000 |
| Securities available for sale | 402,917,000 | 737,334,000 | 1,178,621,000 | 1,159,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,185,967,000 | 40,530,033,000 | 43,304,561,000 | 48,166,538,000 |
| Interest-bearing deposits | 36,888,909,000 | 40,279,792,000 | 43,058,805,000 | 47,945,382,000 |
| Noninterest-bearing deposits | 297,058,000 | 250,241,000 | 245,756,000 | 221,156,000 |
| Equity capital | 7,561,701,000 | 7,527,089,000 | 7,754,575,000 | 8,186,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,721,668,000 | 3,549,870,000 | 5,445,924,000 | 7,493,735,000 |
| Interest expense | 146,365,000 | 304,607,000 | 476,898,000 | 656,060,000 |
| Net interest income | 1,575,303,000 | 3,245,263,000 | 4,969,026,000 | 6,837,675,000 |
| Noninterest income | 196,442,000 | 462,594,000 | 750,153,000 | 1,007,687,000 |
| Noninterest expense | 709,132,000 | 1,481,557,000 | 2,284,270,000 | 3,115,464,000 |
| Provision for loan losses | 549,351,000 | 1,055,030,000 | 1,613,226,000 | 2,297,655,000 |
| Pretax income | 513,262,000 | 1,171,270,000 | 1,821,683,000 | 2,432,243,000 |
| Income tax | 189,888,000 | 433,372,000 | 676,375,000 | 898,702,000 |
| Net income | 323,374,000 | 737,898,000 | 1,145,308,000 | 1,533,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,179,388,000 | 7,142,904,000 | 7,343,040,000 | 7,781,091,000 |
| Total capital | 7,711,655,000 | 7,712,372,000 | 7,945,828,000 | 8,443,457,000 |
| Risk-weighted assets | 40,696,438,000 | 43,673,070,000 | 46,254,714,000 | 50,900,684,000 |