Call reports 2017
SYNCHRONY BANK — 2017
What SYNCHRONY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 71,865,154,000 | 73,668,489,000 | 75,737,232,000 | 79,166,443,000 |
| Total loans | 58,975,626,000 | 61,501,145,000 | 63,377,038,000 | 68,077,872,000 |
| Allowance for loan losses | 3,956,405,000 | 4,282,537,000 | 4,638,348,000 | 4,888,134,000 |
| Securities available for sale | 3,063,898,000 | 1,886,018,000 | 1,578,701,000 | 2,819,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,825,794,000 | 56,205,604,000 | 56,674,817,000 | 57,808,450,000 |
| Interest-bearing deposits | 54,579,613,000 | 55,979,967,000 | 56,452,497,000 | 57,596,909,000 |
| Noninterest-bearing deposits | 246,181,000 | 225,637,000 | 222,320,000 | 211,540,000 |
| Equity capital | 9,953,229,000 | 10,049,048,000 | 10,192,530,000 | 10,606,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,669,178,000 | 5,428,587,000 | 8,313,257,000 | 11,276,087,000 |
| Interest expense | 216,004,000 | 447,084,000 | 700,169,000 | 969,167,000 |
| Net interest income | 2,453,174,000 | 4,981,503,000 | 7,613,088,000 | 10,306,920,000 |
| Noninterest income | 85,225,000 | 254,011,000 | 443,266,000 | 711,036,000 |
| Noninterest expense | 881,617,000 | 1,765,942,000 | 2,699,084,000 | 3,631,274,000 |
| Provision for loan losses | 1,129,121,000 | 2,296,219,000 | 3,456,462,000 | 4,691,968,000 |
| Pretax income | 527,661,000 | 1,172,594,000 | 1,900,049,000 | 2,693,955,000 |
| Income tax | 196,703,000 | 435,466,000 | 705,493,000 | 1,130,908,000 |
| Net income | 330,958,000 | 737,128,000 | 1,194,556,000 | 1,563,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,276,136,000 | 9,391,367,000 | 9,539,882,000 | 9,957,800,000 |
| Total capital | 10,043,005,000 | 10,193,192,000 | 10,363,866,000 | 10,842,236,000 |
| Risk-weighted assets | 58,159,726,000 | 60,665,105,000 | 62,104,103,000 | 66,751,210,000 |