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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 December 31, 2012
Federal Reserve System Identifier 3284070




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$94,795,926$85,331,885$70,284,088
Loans Receivable, Net71,119,52565,288,61648,803,968
Mortgage-Backed Securities6,036,2716,336,5594,973,739
Investments3,453,4653,106,9212,694,337
Deposits48,326,68241,264,28034,652,206
Borrowings30,763,46630,454,69223,850,518
Equity14,287,98713,061,42810,886,180
Net Interest Income2,436,5412,099,5051,621,800
Fee Income-260,932-429,360151,018
Overhead2,236,1511,357,349906,381
Net Operating Income1,326,2551,277,974929,778
Net Income858,6611,221,955902,377
Ratio Analysis Profitability%%%
Return on Assets *0.971.581.58
Operating Return on Assets *1.501.651.63
Return on Equity *6.2210.009.76
Net Interest Margin *3.002.903.05
Fee Income / Assets *-0.30-0.560.27
Overhead / Assets *2.531.761.59
Efficiency Ratio58.9348.8943.94
Asset Quality%%%
Nonperforming Assets / Assets0.450.380.64
Nonperforming Assets / Equity & Loss Reserves2.872.343.87
Loss Reserves / Nonperforming Loans163.641.111.61
1-4 Fam Mtg + MBS / Assets19.2823.3530.52
Commercial Real Estate Loans / Assets2.442.432.54
Construction Loans / Assets0.170.080.01
Commercial & Industrial Loans / Assets32.8029.4823.64
Consumer Loans / Assets27.4327.2226.72
Capitalization%%%
Equity / Assets15.0715.3115.49
Tangible Capital / Tangible Assets14.2114.0113.34
Risk-based Capital Ratio17.0618.3720.48
Liquidity%%%
Loans / Deposits147.16158.22140.84
Non-Interest Bearing Deposits / Deposits4.274.996.15
Purchased Liabilities47.3160.2058.94

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
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