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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 December 31, 2015
Federal Reserve System Identifier 3284070




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$111,306,727$104,474,692$98,737,480
Loans Receivable, Net81,743,61473,288,35070,154,909
Mortgage-Backed Securities8,062,8708,257,5727,962,043
Investments2,161,7962,771,3842,948,281
Deposits66,349,24658,212,80553,856,450
Borrowings25,393,83127,765,71028,424,080
Equity16,495,60615,966,68614,915,699
Net Interest Income2,106,9262,057,8432,074,679
Fee Income5,7776,932-28,971
Overhead3,318,7653,144,8252,773,476
Net Operating Income1,753,2381,751,5051,358,799
Net Income1,106,0481,120,499883,048
Ratio Analysis Profitability%%%
Return on Assets *1.051.110.95
Operating Return on Assets *1.661.741.46
Return on Equity *6.817.166.02
Net Interest Margin *2.322.432.55
Fee Income / Assets *0.010.01-0.03
Overhead / Assets *3.153.122.98
Efficiency Ratio63.4563.5164.48
Asset Quality%%%
Nonperforming Assets / Assets0.240.210.24
Nonperforming Assets / Equity & Loss Reserves1.541.331.49
Loss Reserves / Nonperforming Loans183.42216.09293.08
1-4 Fam Mtg + MBS / Assets16.0215.4916.57
Commercial Real Estate Loans / Assets2.752.862.69
Construction Loans / Assets0.190.160.15
Commercial & Industrial Loans / Assets34.2933.9733.28
Consumer Loans / Assets27.7125.9927.09
Capitalization%%%
Equity / Assets14.8215.2815.11
Tangible Capital / Tangible Assets14.8215.2815.11
Risk-based Capital Ratio17.5117.3617.45
Liquidity%%%
Loans / Deposits123.20125.90130.26
Non-Interest Bearing Deposits / Deposits0.200.180.26
Purchased Liabilities35.1639.5542.85

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