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 June 30, 2014
Federal Reserve System Identifier 3284070




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$101,545,508$98,737,480$94,795,926
Loans Receivable, Net72,238,01970,154,90971,119,525
Mortgage-Backed Securities8,172,6207,962,0436,036,271
Investments2,894,4242,948,2813,453,465
Deposits56,298,64453,856,45048,326,682
Borrowings27,744,66928,424,08030,763,466
Equity15,614,09914,915,69914,287,987
Net Interest Income1,027,9982,074,6792,436,541
Fee Income3,072-28,971-260,932
Overhead1,519,2462,773,4762,236,151
Net Operating Income872,5071,358,7991,326,255
Net Income547,832883,048858,661
Ratio Analysis Profitability%%%
Return on Assets *1.040.950.97
Operating Return on Assets *1.621.461.50
Return on Equity *6.606.026.22
Net Interest Margin *2.442.553.00
Fee Income / Assets *0.01-0.03-0.30
Overhead / Assets *3.052.982.53
Efficiency Ratio62.8764.4858.93
Asset Quality%%%
Nonperforming Assets / Assets0.210.240.45
Nonperforming Assets / Equity & Loss Reserves1.311.492.87
Loss Reserves / Nonperforming Loans305.55293.08163.64
1-4 Fam Mtg + MBS / Assets15.7816.5719.28
Commercial Real Estate Loans / Assets2.792.692.44
Construction Loans / Assets0.160.150.17
Commercial & Industrial Loans / Assets33.6833.2832.80
Consumer Loans / Assets27.3927.0927.43
Capitalization%%%
Equity / Assets15.3815.1115.07
Tangible Capital / Tangible Assets15.3815.1114.21
Risk-based Capital Ratio17.6517.4517.06
Liquidity%%%
Loans / Deposits128.31130.26147.16
Non-Interest Bearing Deposits / Deposits0.200.264.27
Purchased Liabilities40.7342.8547.31

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