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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 March 31, 2015
Federal Reserve System Identifier 3284070




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$104,458,734$104,474,692$98,737,480
Loans Receivable, Net71,805,38373,288,35070,154,909
Mortgage-Backed Securities8,331,8698,257,5727,962,043
Investments2,775,3282,771,3842,948,281
Deposits60,827,20158,212,80553,856,450
Borrowings24,510,73427,765,71028,424,080
Equity16,171,16515,966,68614,915,699
Net Interest Income496,6152,057,8432,074,679
Fee Income1,3946,932-28,971
Overhead862,8273,144,8252,773,476
Net Operating Income484,7111,751,5051,358,799
Net Income304,9241,120,499883,048
Ratio Analysis Profitability%%%
Return on Assets *1.161.110.95
Operating Return on Assets *1.811.741.46
Return on Equity *7.477.166.02
Net Interest Margin *2.392.432.55
Fee Income / Assets *0.010.01-0.03
Overhead / Assets *3.193.122.98
Efficiency Ratio64.0363.5164.48
Asset Quality%%%
Nonperforming Assets / Assets0.180.210.24
Nonperforming Assets / Equity & Loss Reserves1.121.331.49
Loss Reserves / Nonperforming Loans225.75216.09293.08
1-4 Fam Mtg + MBS / Assets15.3415.4916.57
Commercial Real Estate Loans / Assets2.862.862.69
Construction Loans / Assets0.170.160.15
Commercial & Industrial Loans / Assets33.4333.9733.28
Consumer Loans / Assets25.2825.9927.09
Capitalization%%%
Equity / Assets15.4815.2815.11
Tangible Capital / Tangible Assets15.4815.2815.11
Risk-based Capital Ratio17.9117.3617.45
Liquidity%%%
Loans / Deposits118.05125.90130.26
Non-Interest Bearing Deposits / Deposits0.190.180.26
Purchased Liabilities36.2439.5542.85

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