Ally Bank 2012 Annual Report Download - page 138
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136
Impaired Loans and Troubled Debt Restructurings
Impaired Loans
Loans are considered impaired when we determine it is probable that we will be unable to collect all amounts due according to the terms
of the loan agreement. For more information on our impaired finance receivables and loans, refer to Note 1.
The following table presents information about our impaired finance receivables and loans recorded at historical cost.
December 31, ($ in millions)
Unpaid
principal
balance
Carrying
value before
allowance
Impaired
with no
allowance
Impaired
with an
allowance
Allowance for
impaired
loans
2012
Consumer automobile $ 260 $ 260 $ 90 $ 170 $ 16
Consumer mortgage
1st Mortgage 811 725 123 602 137
Home equity 147 148 1 147 49
Total consumer mortgage 958 873 124 749 186
Commercial
Commercial and industrial
Automobile 146 146 54 92 7
Mortgage —————
Other 33 33 9 24 7
Commercial real estate
Automobile 37 37 9 28 12
Mortgage —————
Total commercial 216 216 72 144 26
Total consumer and commercial finance
receivables and loans $ 1,434 $ 1,349 $ 286 $ 1,063 $ 228
2011
Consumer automobile $ 69 $ 69 $ — $ 69 $ 7
Consumer mortgage
1st Mortgage 516 508 83 425 126
Home equity 97 98 — 98 46
Total consumer mortgage 613 606 83 523 172
Commercial
Commercial and industrial
Automobile 222 222 64 158 22
Mortgage — — — — —
Other 37 37 25 12 5
Commercial real estate
Automobile 68 68 32 36 18
Mortgage 12 12 1 11 5
Total commercial 339 339 122 217 50
Total consumer and commercial finance
receivables and loans $ 1,021 $ 1,014 $ 205 $ 809 $ 229
Table of Contents
Notes to Consolidated Financial Statements
Ally Financial Inc. • Form 10-K