Call reports 2018
SYNCHRONY BANK — 2018
What SYNCHRONY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 79,640,139,000 | 84,487,088,000 | 90,195,000,000 | 91,787,000,000 |
| Total loans | 65,102,468,000 | 66,438,797,000 | 75,444,000,000 | 80,942,000,000 |
| Allowance for loan losses | 5,080,984,000 | 5,235,404,000 | 5,625,000,000 | 5,752,000,000 |
| Securities available for sale | 5,037,194,000 | 5,917,042,000 | 6,272,000,000 | 5,195,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,959,424,000 | 61,684,640,000 | 64,129,000,000 | 66,743,000,000 |
| Interest-bearing deposits | 57,649,883,000 | 61,379,408,000 | 63,815,000,000 | 66,444,000,000 |
| Noninterest-bearing deposits | 309,540,000 | 305,231,000 | 314,000,000 | 299,000,000 |
| Equity capital | 10,937,116,000 | 11,255,811,000 | 11,576,000,000 | 12,214,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,986,812,000 | 5,999,810,000 | 9,305,000,000 | 12,815,000,000 |
| Interest expense | 297,969,000 | 638,742,000 | 1,030,000,000 | 1,480,000,000 |
| Net interest income | 2,688,843,000 | 5,361,068,000 | 8,275,000,000 | 11,335,000,000 |
| Noninterest income | 171,402,000 | 326,349,000 | 517,000,000 | 796,000,000 |
| Noninterest expense | 966,314,000 | 1,924,461,000 | 2,961,000,000 | 4,035,000,000 |
| Provision for loan losses | 1,238,705,000 | 2,402,772,000 | 3,748,000,000 | 4,994,000,000 |
| Pretax income | 650,073,000 | 1,352,556,000 | 2,075,000,000 | 3,090,000,000 |
| Income tax | 158,037,000 | 315,296,000 | 489,000,000 | 729,000,000 |
| Net income | 492,036,000 | 1,037,260,000 | 1,586,000,000 | 2,361,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,205,468,000 | 10,520,689,000 | 10,607,000,000 | 11,207,000,000 |
| Total capital | 11,053,832,000 | 11,386,127,000 | 11,588,000,000 | 12,258,000,000 |
| Risk-weighted assets | 63,636,499,000 | 64,865,093,000 | 73,872,000,000 | 79,346,000,000 |