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, 2013
Federal Reserve System Identifier 3284070




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$98,737,480$94,795,926$85,331,885
Loans Receivable, Net70,154,90971,119,52565,288,616
Mortgage-Backed Securities7,962,0436,036,2716,336,559
Investments2,948,2813,453,4653,106,921
Deposits53,856,45048,326,68241,264,280
Borrowings28,424,08030,763,46630,454,692
Equity14,915,69914,287,98713,061,428
Net Interest Income2,074,6792,436,5412,099,505
Fee Income-28,971-260,932-429,360
Overhead2,773,4762,236,1511,357,349
Net Operating Income1,358,7991,326,2551,277,974
Net Income883,048858,6611,221,955
Ratio Analysis Profitability%%%
Return on Assets *0.950.971.58
Operating Return on Assets *1.461.501.65
Return on Equity *6.026.2210.00
Net Interest Margin *2.553.002.90
Fee Income / Assets *-0.03-0.30-0.56
Overhead / Assets *2.982.531.76
Efficiency Ratio64.4858.9348.89
Asset Quality%%%
Nonperforming Assets / Assets0.240.450.38
Nonperforming Assets / Equity & Loss Reserves1.492.872.34
Loss Reserves / Nonperforming Loans293.08163.641.11
1-4 Fam Mtg + MBS / Assets16.5719.2823.35
Commercial Real Estate Loans / Assets2.692.442.43
Construction Loans / Assets0.150.170.08
Commercial & Industrial Loans / Assets33.2832.8029.48
Consumer Loans / Assets27.0927.4327.22
Capitalization%%%
Equity / Assets15.1115.0715.31
Tangible Capital / Tangible Assets15.1114.2114.01
Risk-based Capital Ratio17.4517.0618.37
Liquidity%%%
Loans / Deposits130.26147.16158.22
Non-Interest Bearing Deposits / Deposits0.264.274.99
Purchased Liabilities42.8547.3160.20

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