Ally Bank 2012 Annual Report Download - page 96
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94
Nonperforming Assets
The following table summarizes the nonperforming assets in our on-balance sheet portfolio.
December 31, ($ in millions)2012 2011 2010 2009 2008
Consumer
Domestic
Consumer automobile $ 260 $ 139 $ 129 $ 267 $ 294
Consumer mortgage
1st Mortgage 342 316 452 782 2,547
Home equity 40 91 108 114 540
Total domestic 642 546 689 1,163 3,381
Foreign
Consumer automobile —89 78 119 125
Consumer mortgage
1st Mortgage —142 261 33 1,034
Home equity —————
Total foreign —231 339 152 1,159
Total consumer (a) 642 777 1,028 1,315 4,540
Commercial
Domestic
Commercial and industrial
Automobile 146 105 261 281 1,448
Mortgage —— — 37 140
Other 33 22 37 856 64
Commercial real estate
Automobile 37 56 193 256 153
Mortgage —— 1 56 1,070
Total domestic 216 183 492 1,486 2,875
Foreign
Commercial and industrial
Automobile —118 35 66 7
Mortgage —— 40 35 —
Other —15 97 131 19
Commercial real estate
Automobile —11 6 24 2
Mortgage —12 70 141 143
Total foreign —156 248 397 171
Total commercial (b) 216 339 740 1,883 3,046
Total nonperforming finance receivables and loans 858 1,116 1,768 3,198 7,586
Foreclosed properties 882 150 255 787
Repossessed assets (c) 62 56 47 58 95
Total nonperforming assets $ 928 $ 1,254 $ 1,965 $ 3,511 $ 8,468
Loans held-for-sale $ 25 $ 2,820 $ 3,273 $ 3,390 $ 731
(a) Interest revenue that would have been accrued on total consumer finance receivables and loans at original contractual rates was $54 million during the
year ended December 31, 2012. Interest income recorded for these loans was $23 million during the year ended December 31, 2012.
(b) Interest revenue that would have been accrued on total commercial finance receivables and loans at original contractual rates was $21 million during the
year ended December 31, 2012. Interest income recorded for these loans was $15 million during the year ended December 31, 2012.
(c) Repossessed assets exclude $3 million, $3 million, $14 million, $23 million, and $34 million of repossessed operating lease assets at December 31, 2012,
2011, 2010, 2009, and 2008, respectively.
Table of Contents
Management's Discussion and Analysis
Ally Financial Inc. • Form 10-K