Call reports 2022
SYNCHRONY BANK — 2022
What SYNCHRONY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 86,123,000,000 | 87,015,000,000 | 91,750,000,000 | 96,300,000,000 |
| Total loans | 76,565,000,000 | 77,298,000,000 | 80,790,000,000 | 87,049,000,000 |
| Allowance for loan losses | 8,167,000,000 | 8,342,000,000 | 8,627,000,000 | 9,047,000,000 |
| Securities available for sale | 4,599,000,000 | 4,942,000,000 | 5,019,000,000 | 4,819,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,301,000,000 | 67,810,000,000 | 70,767,000,000 | 74,271,000,000 |
| Interest-bearing deposits | 65,905,000,000 | 67,427,000,000 | 70,393,000,000 | 73,870,000,000 |
| Noninterest-bearing deposits | 396,000,000 | 383,000,000 | 374,000,000 | 401,000,000 |
| Equity capital | 11,802,000,000 | 11,766,000,000 | 11,377,000,000 | 11,348,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,697,000,000 | 5,436,000,000 | 8,509,000,000 | 11,936,000,000 |
| Interest expense | 153,000,000 | 343,000,000 | 680,000,000 | 1,212,000,000 |
| Net interest income | 2,544,000,000 | 5,093,000,000 | 7,829,000,000 | 10,724,000,000 |
| Noninterest income | 121,000,000 | 368,000,000 | 470,000,000 | 594,000,000 |
| Noninterest expense | 1,019,000,000 | 2,084,000,000 | 3,128,000,000 | 4,260,000,000 |
| Provision for loan losses | 501,000,000 | 1,211,000,000 | 2,099,000,000 | 3,264,000,000 |
| Pretax income | 1,154,000,000 | 2,188,000,000 | 3,094,000,000 | 3,815,000,000 |
| Income tax | 282,000,000 | 534,000,000 | 748,000,000 | 912,000,000 |
| Net income | 872,000,000 | 1,654,000,000 | 2,346,000,000 | 2,903,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,691,000,000 | 12,686,000,000 | 12,356,000,000 | 12,174,000,000 |
| Total capital | 13,702,000,000 | 13,703,000,000 | 13,414,000,000 | 13,313,000,000 |
| Risk-weighted assets | 76,030,700,000 | 76,278,400,000 | 79,372,400,000 | 85,468,900,000 |