Ally Bank 2014 Annual Report Download - page 122
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Table of Contents
Notes to Consolidated Financial Statements
Ally Financial Inc. • Form 10-K
110
The following table presents an analysis of our past due finance receivables and loans, net, recorded at historical cost reported at carrying
value before allowance for loan losses.
December 31, ($ in millions)
30-59 days
past due
60-89 days
past due
90 days
or more
past due
Total
past due Current
Total finance
receivables and
loans
2014
Consumer automotive $ 1,340 $ 293 $ 164 $ 1,797 $ 54,773 $ 56,570
Consumer mortgage 76 25 124 225 7,248 7,473
Commercial
Commercial and industrial
Automotive — 9 — 9 30,862 30,871
Other ————1,882 1,882
Commercial real estate — Automotive ————3,151 3,151
Total commercial — 9 — 9 35,895 35,904
Total consumer and commercial $ 1,416 $ 327 $ 288 $ 2,031 $ 97,916 $ 99,947
2013
Consumer automotive $ 1,145 $ 255 $ 157 $ 1,557 $ 54,860 $ 56,417
Consumer mortgage 82 31 124 237 8,206 8,443
Commercial
Commercial and industrial
Automotive — — 36 36 30,912 30,948
Other ————1,664 1,664
Commercial real estate — Automotive — — 6 6 2,849 2,855
Total commercial — — 42 42 35,425 35,467
Total consumer and commercial $ 1,227 $ 286 $ 323 $ 1,836 $ 98,491 $ 100,327
The following table presents the carrying value before allowance for loan losses of our finance receivables and loans recorded at
historical cost on nonaccrual status.
December 31, ($ in millions)2014 2013
Consumer automotive $ 386 $ 329
Consumer mortgage 177 192
Commercial
Commercial and industrial
Automotive 32 116
Other 46 74
Commercial real estate — Automotive 414
Total commercial 82 204
Total consumer and commercial finance receivables and loans $ 645 $ 725
Management performs a quarterly analysis of the consumer automotive, consumer mortgage, and commercial portfolios using a range of
credit quality indicators to assess the adequacy of the allowance for loan losses based on historical and current trends. The following tables
present the population of loans by quality indicators for our consumer automotive, consumer mortgage, and commercial portfolios.