Ally Bank 2011 Annual Report Download - page 162
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Table of Contents
Notes to Consolidated Financial Statements
Ally Financial Inc. • Form 10−K
Commercial Real Estate
The commercial real estate portfolio consists of loans issued primarily to automotive dealers. The following table shows the percentage of total
commercial real estate finance receivables and loans reported at carrying value before allowance for loan losses by geographic region and property type.
December 31, 2011 2010
Geographic region
Michigan 14.1% 10.1%
Texas 12.4 10.5
Florida 12.4 10.3
California 9.3 9.6
Virginia 4.1 4.4
New York 3.5 3.8
Pennsylvania 2.9 3.7
Alabama 2.6 2.4
Georgia 2.5 2.7
North Carolina 2.1 1.9
Other United States 27.5 28.1
Canada 3.5 4.4
United Kingdom 1.8 5.0
Mexico 1.0 2.4
Other foreign 0.3 0.7
Total outstanding commercial real estate finance receivables and loans 100.0% 100.0%
Property type
Automotive dealers 99.4% 91.8%
Other 0.6 8.2
Total outstanding commercial real estate finance receivables and loans 100.0% 100.0%
Commercial Criticized Exposure
Finance receivables and loans classified as special mention, substandard, or doubtful are deemed as criticized. These classifications are based on
regulatory definitions and generally represent finance receivables and loans within our portfolio that have a higher default risk or have already defaulted.
The following table presents the percentage of total commercial criticized finance receivables and loans reported at carrying value before allowance for loan
losses by industry concentrations.
December 31, 2011 2010
Industry
Automotive 82.9% 66.5%
Real estate 4.5 12.1
Banks and finance companies 4.2 1.0
Other 8.4 20.4
Total commercial criticized finance receivables and loans 100.0% 100.0%
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