Synchrony Bank Annual Report

We maintain the complete database with all recent information about Synchrony Bank that you may need. With the help of the annual report, you can know the financial health of the bank, see how large it is, and track the dynamics and last trends of all financial indicators. All Synchrony Bank data is relevant for April 2024.

3.32

Address

170 West Election Road, Suite 125 Draper, UT 84020

FDIC Certificate ID

27314

Bank Charter Class

Savings Association

Financial report Synchrony Bank

Quarterly

Annually

Change dates

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
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2000
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1992

Hide dates

All values USD, Dollar figures in thousands

Updated June 30, 2022

Item

2022

2021

2020

2019

2018

Trends

Assets and Liabilities

Total assets

87,015,000

86,064,000

85,303,000

91,281,000

91,787,000

Cash & Balances due from depository institutions

9,484,000

7,135,000

10,334,000

10,266,000

8,662,000

Cash items in process of collection

322,000

394,000

358,000

301,000

275,000

Collection in domestic offices

322,000

394,000

358,000

301,000

275,000

Currency and coin in domestic offices

N/A

Balances due from depository institutions in U.S.

36,000

35,000

31,000

30,000

15,000

Balances due from foreign banks

N/A

Balances due from FRB

9,126,000

6,706,000

9,945,000

9,935,000

8,372,000

Total securities *

4,964,000

5,463,000

7,356,000

6,386,000

5,237,000

U.S. Government securities

3,368,000

2,738,000

4,633,000

3,957,000

3,701,000

U.S. Treasury securities

2,952,000

2,220,000

3,927,000

3,116,000

2,789,000

U.S. Government agency obligations

416,000

518,000

706,000

841,000

912,000

Securities issued by states & political subdivisions

11,000

13,000

39,000

45,000

48,000

Other domestic debt securities

1,563,000

2,439,000

2,661,000

2,356,000

1,446,000

Privately issued residential mortgage-backed securities

N/A

Asset backed securities

1,555,000

2,430,000

2,661,000

2,356,000

1,446,000

Structured financial products - Total

N/A

Other domestic debt securities - All other

8,000

9,000

N/A

Foreign debt securities

N/A

Equity securities not held for trading

22,000

273,000

23,000

28,000

42,000

Equity securities available-for-sale

N/A

Credit Loss Allowance for Held to Maturity Debt Securities

N/A

Assets held in trading accounts for TFR Reporters

N/A

General valuation allowances for securities for TFR Reporters

N/A

Federal funds sold and reverse repurchase

N/A

Net loans and leases

68,956,000

69,948,000

64,152,000

71,904,000

75,190,000

Loan and leases loss allowance**

8,342,000

8,190,000

9,571,000

5,128,000

5,752,000

Total loans and leases

77,298,000

78,138,000

73,723,000

77,032,000

80,942,000

Unearned income

N/A

Loans and leases, gross

77,298,000

78,138,000

73,723,000

77,032,000

80,942,000

All real estate loans

13,000

8,000

N/A

Real estate loans in domestic offices

13,000

8,000

N/A

Construction and development loans

13,000

8,000

N/A

Residential 1-4 family construction

N/A

Other construction, all land development and other land

13,000

8,000

N/A

Secured by nonfarm nonresidential properties

N/A

Nonfarm nonresidential secured by owner-occupied properties

N/A

Commercial real estate other non-farm non-residential

N/A

Multifamily residential real estate

N/A

1-4 family residential loans

N/A

Farmland loans

N/A

Loans held in foreign offices

N/A

Farm loans

N/A

Commercial and industrial loans

1,606,000

1,303,000

1,180,000

1,083,000

1,104,000

Loans to individuals

75,538,000

76,708,000

72,437,000

75,836,000

79,725,000

Credit card loans

72,693,000

74,035,000

70,314,000

73,790,000

77,897,000

Related Plans

N/A

Consumer Loans - Auto

N/A

Other loans to individuals

2,845,000

2,673,000

2,123,000

2,046,000

1,828,000

All other loans & leases*

141,000

119,000

106,000

113,000

Loans to foreign governments and official institutions

N/A

Obligations of states and political subdivisions in U.S.

18,000

14,000

21,000

23,000

20,000

Other loans

91,000

81,000

84,000

89,000

92,000

Lease financing receivables

30,000

23,000

N/A

Loans to depository institutions and acceptances of other banks

2,000

1,000

Trading account assets

N/A

Bank premises and fixed assets

1,000

2,000

7,000

9,000

13,000

Other real estate owned

N/A

Direct and indirect investments in real estate

N/A

OREO: Real estate acquired

N/A

Other real estate owned: 1-4 family residential

N/A

Other Real Estate Owned: Multi-family residential

N/A

Other real estate owned: Commercial real estate

N/A

Other real estate owned:Construction & development

N/A

Other real estate owned: Farmland

N/A

Foreclosed properties from GNMA loans before June 2018

N/A

Other real estate owned in foreign offices

N/A

Goodwill and other intangibles

907,000

939,000

937,000

1,053,000

1,075,000

Goodwill

236,000

Mortgage servicing assets

N/A

All other assets

2,703,000

2,577,000

2,517,000

1,663,000

1,610,000

Liabilities and Capital

Total liabilities and capital

87,015,000

86,064,000

85,303,000

91,281,000

91,787,000

Total Liabilities

75,249,000

74,387,000

75,203,000

79,370,000

79,573,000

Total deposits

67,810,000

65,111,000

65,849,000

68,598,000

66,743,000

Deposits held in domestic offices

67,810,000

65,111,000

65,849,000

68,598,000

66,743,000

Individuals, partnerships, and corporations

67,807,000

65,107,000

65,849,000

68,598,000

66,675,000

U.S. Government

N/A

States and political subdivisions in the U.S.

N/A

Commercial banks and other depository institutions in U.S.

3,000

4,000

N/A

68,000

Banks in foreign countries

N/A

Foreign governments and official institutions

N/A

Deposits held in foreign offices

N/A

Deposits held in domestic offices

67,810,000

65,111,000

65,849,000

68,598,000

66,743,000

Transaction accounts

4,282,000

4,005,000

4,133,000

4,072,000

3,044,000

Nontransaction accounts

63,528,000

61,106,000

61,716,000

64,526,000

63,699,000

Money market deposit accounts (MMDAs)

6,052,000

5,533,000

5,263,000

4,244,000

4,591,000

Other savings deposits (excluding MMDAs)

27,842,000

28,166,000

23,828,000

18,347,000

16,707,000

Total time deposits

29,634,000

27,407,000

32,625,000

41,935,000

42,401,000

Federal funds purchased and repurchase agreements

N/A

Trading liabilities

N/A

N/A - idobrmtg

2,797,000

4,149,000

4,894,000

6,112,000

8,661,000

Subordinated debt

N/A

All other liabilities

4,642,000

5,127,000

4,460,000

4,660,000

4,169,000

Total equity capital

11,766,000

11,677,000

10,100,000

11,911,000

12,214,000

Bank equity capital

11,766,000

11,677,000

10,100,000

11,911,000

12,214,000

Perpetual preferred stock

N/A

Common stock

1,000

Surplus

6,161,000

6,154,000

5,968,000

5,637,000

5,298,000

Undivided profits

5,604,000

5,522,000

4,131,000

6,273,000

6,915,000

Equity, minor interest in consolidated subs

N/A

Memoranda

Noncurrent loans and leases

959,000

888,000

1,070,000

1,731,000

1,986,000

Income earned, not collected on loans

10,000

13,000

12,000

493,000

556,000

Earning assets

83,046,000

82,117,000

81,453,000

88,225,000

88,799,000

Long-term assets (5+ years)

1,461,000

1,579,000

1,653,000

1,821,000

1,841,000

Average total assets

86,400,666.67

84,209,600

86,557,800

91,865,000

85,055,134

Average assets, quarterly

86,569,000

84,193,500

85,216,500

91,609,000

90,991,000

Total risk weighted assets adjusted

76,278,400

77,183,400

71,838,000

76,178,000

79,346,000

Adjusted average assets for leverage capital purposes

88,017,000

86,367,000

87,110,000

91,777,000

90,306,000

Life insurance assets

N/A

General account life insurance assets

N/A

Separate account life insurance assets

N/A

Hybrid life insurance assets

N/A

Volatile liabilities

5,447,000

6,604,000

7,694,000

8,600,000

7,635,000

Insider loans

N/A

FHLB advances

N/A

Loans and leases held for sale

N/A

3,298,000

5,000

718,000

N/A

Unused loan commitments

408,372,000

430,426,000

412,638,000

418,793,000

417,095,000

Tier one (core) capital

12,686,000

13,074,000

11,821,000

10,907,000

11,207,000

Tier 2 Risk-based capital

1,017,000

963,000

1,004,000

1,051,000

Total unused commitments

408,372,000

430,426,000

412,638,000

418,793,000

417,095,000

Derivatives

21,000

22,000

N/A