Call reports 2019
SYNCHRONY BANK — 2019
What SYNCHRONY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 92,292,000,000 | 92,028,000,000 | 91,937,000,000 | 91,281,000,000 |
| Total loans | 77,260,000,000 | 77,727,000,000 | 79,585,000,000 | 77,032,000,000 |
| Allowance for loan losses | 5,414,000,000 | 5,231,000,000 | 5,131,000,000 | 5,128,000,000 |
| Securities available for sale | 5,066,000,000 | 6,369,000,000 | 6,806,000,000 | 6,358,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,925,000,000 | 68,561,000,000 | 68,252,000,000 | 68,598,000,000 |
| Interest-bearing deposits | 67,635,000,000 | 68,287,000,000 | 67,952,000,000 | 68,316,000,000 |
| Noninterest-bearing deposits | 290,000,000 | 274,000,000 | 300,000,000 | 282,000,000 |
| Equity capital | 12,296,000,000 | 12,114,000,000 | 12,485,000,000 | 11,911,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,352,000,000 | 6,724,000,000 | 10,176,000,000 | 13,286,000,000 |
| Interest expense | 465,000,000 | 947,000,000 | 1,425,000,000 | 1,878,000,000 |
| Net interest income | 2,887,000,000 | 5,777,000,000 | 8,751,000,000 | 11,408,000,000 |
| Noninterest income | 162,000,000 | 363,000,000 | 566,000,000 | 846,000,000 |
| Noninterest expense | 1,015,000,000 | 2,095,000,000 | 3,059,000,000 | 4,119,000,000 |
| Provision for loan losses | 875,000,000 | 1,903,000,000 | 2,913,000,000 | 3,921,000,000 |
| Pretax income | 1,159,000,000 | 2,143,000,000 | 3,347,000,000 | 4,219,000,000 |
| Income tax | 282,000,000 | 522,000,000 | 800,000,000 | 991,000,000 |
| Net income | 877,000,000 | 1,621,000,000 | 2,547,000,000 | 3,228,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,238,000,000 | 11,082,000,000 | 11,471,000,000 | 10,907,000,000 |
| Total capital | 12,243,000,000 | 12,092,000,000 | 12,506,000,000 | 11,911,000,000 |
| Risk-weighted assets | 75,996,000,000 | 76,582,000,000 | 78,680,000,000 | 76,178,000,000 |