SAFE & SOUND® STAR RATINGS

Financial statement

ALLY BANK
6985 UNION PARK CENTER, SUITE 435
MIDVALE, Utah 84047

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 3284070




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$100,770,791$98,737,480$94,795,926
Loans Receivable, Net70,705,83970,154,90971,119,525
Mortgage-Backed Securities8,246,2497,962,0436,036,271
Investments2,741,4692,948,2813,453,465
Deposits56,803,20553,856,45048,326,682
Borrowings25,726,17828,424,08030,763,466
Equity15,770,02614,915,69914,287,987
Net Interest Income1,539,0132,074,6792,436,541
Fee Income4,962-28,971-260,932
Overhead2,305,7622,773,4762,236,151
Net Operating Income1,338,8751,358,7991,326,255
Net Income847,938883,048858,661
Ratio Analysis Profitability%%%
Return on Assets *1.090.950.97
Operating Return on Assets *1.721.461.50
Return on Equity *6.996.026.22
Net Interest Margin *2.442.553.00
Fee Income / Assets *0.01-0.03-0.30
Overhead / Assets *3.122.982.53
Efficiency Ratio62.5664.4858.93
Asset Quality%%%
Nonperforming Assets / Assets0.220.240.45
Nonperforming Assets / Equity & Loss Reserves1.381.492.87
Loss Reserves / Nonperforming Loans276.04293.08163.64
1-4 Fam Mtg + MBS / Assets15.7216.5719.28
Commercial Real Estate Loans / Assets2.882.692.44
Construction Loans / Assets0.160.150.17
Commercial & Industrial Loans / Assets32.6833.2832.80
Consumer Loans / Assets27.4927.0927.43
Capitalization%%%
Equity / Assets15.6515.1115.07
Tangible Capital / Tangible Assets15.6515.1114.21
Risk-based Capital Ratio17.9717.4517.06
Liquidity%%%
Loans / Deposits124.48130.26147.16
Non-Interest Bearing Deposits / Deposits0.200.264.27
Purchased Liabilities38.7342.8547.31

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