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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 + (improve)
As of March 31, 2016
Federal Reserve System Identifier 3284070




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$110,653,402$111,306,727$104,474,692
Loans Receivable, Net81,797,84781,743,61473,288,350
Mortgage-Backed Securities9,962,3698,062,8708,257,572
Investments1,842,1352,161,7962,771,384
Deposits70,177,60266,349,24658,212,805
Borrowings20,040,42225,393,83127,765,710
Equity16,856,18916,495,60615,966,686
Net Interest Income608,1542,106,9262,057,843
Fee Income1,7505,7776,932
Overhead806,3783,318,7653,144,825
Net Operating Income430,4601,753,2381,751,505
Net Income270,3431,106,0481,120,499
Ratio Analysis Profitability%%%
Return on Assets *1.001.051.11
Operating Return on Assets *1.581.661.74
Return on Equity *6.536.817.16
Net Interest Margin *2.392.322.43
Fee Income / Assets *0.010.010.01
Overhead / Assets *3.043.153.12
Efficiency Ratio61.0763.4563.51
Asset Quality%%%
Nonperforming Assets / Assets0.250.240.21
Nonperforming Assets / Equity & Loss Reserves1.591.541.33
Loss Reserves / Nonperforming Loans182.45183.42216.09
1-4 Fam Mtg + MBS / Assets18.6516.0215.49
Commercial Real Estate Loans / Assets2.802.752.86
Construction Loans / Assets0.230.190.16
Commercial & Industrial Loans / Assets34.1434.2933.97
Consumer Loans / Assets27.4027.7125.99
Capitalization%%%
Equity / Assets15.2314.8215.28
Tangible Capital / Tangible Assets15.2314.8215.28
Risk-based Capital Ratio18.1117.5117.36
Liquidity%%%
Loans / Deposits116.56123.20125.90
Non-Interest Bearing Deposits / Deposits0.230.200.18
Purchased Liabilities30.6935.1639.55

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