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SAFE & SOUND® STAR RATINGS

ALLY BANK

6985 UNION PARK CENTER, SUITE 435
MIDVALE, Utah 84047

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 3284070




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$107,193,624$104,474,692$98,737,480
Loans Receivable, Net77,315,73873,288,35070,154,909
Mortgage-Backed Securities8,802,1568,257,5727,962,043
Investments2,782,9652,771,3842,948,281
Deposits63,922,56458,212,80553,856,450
Borrowings23,691,34927,765,71028,424,080
Equity16,295,79015,966,68614,915,699
Net Interest Income1,536,9502,057,8432,074,679
Fee Income4,0046,932-28,971
Overhead2,504,0693,144,8252,773,476
Net Operating Income1,317,1431,751,5051,358,799
Net Income827,3061,120,499883,048
Ratio Analysis Profitability%%%
Return on Assets *1.051.110.95
Operating Return on Assets *1.661.741.46
Return on Equity *6.837.166.02
Net Interest Margin *2.322.432.55
Fee Income / Assets *0.010.01-0.03
Overhead / Assets *3.203.122.98
Efficiency Ratio63.7963.5164.48
Asset Quality%%%
Nonperforming Assets / Assets0.250.210.24
Nonperforming Assets / Equity & Loss Reserves1.601.331.49
Loss Reserves / Nonperforming Loans171.10216.09293.08
1-4 Fam Mtg + MBS / Assets17.3315.4916.57
Commercial Real Estate Loans / Assets2.742.862.69
Construction Loans / Assets0.180.160.15
Commercial & Industrial Loans / Assets32.6333.9733.28
Consumer Loans / Assets27.7625.9927.09
Capitalization%%%
Equity / Assets15.2015.2815.11
Tangible Capital / Tangible Assets15.2015.2815.11
Risk-based Capital Ratio17.9617.3617.45
Liquidity%%%
Loans / Deposits120.95125.90130.26
Non-Interest Bearing Deposits / Deposits0.240.180.26
Purchased Liabilities34.4439.5542.85

* Calculations are based on the latest four quarters of income and expense.
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