Ally Bank 2014 Annual Report Download - page 92

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Table of Contents
Management's Discussion and Analysis
Ally Financial Inc. • Form 10-K
80
Deposit Liabilities
The following table presents the average balances and interest rates paid for types of domestic deposits.
2014 2013 2012
Year ended December 31, ($ in millions)
Average
balance (a)
Average
deposit rate
Average
balance (a)
Average
deposit rate
Average
balance (a)
Average
deposit rate
Domestic deposits
Noninterest-bearing deposits $69 —%
$ 536 —% $ 2,262 —%
Interest-bearing deposits
Savings and money market checking accounts 24,296 0.82 18,223 0.83 10,953 0.88
Certificates of deposit 31,173 1.44 31,291 1.53 29,972 1.64
Dealer deposits 389 3.79 674 3.74 1,515 3.81
Total domestic deposit liabilities $ 55,927 1.19% $ 50,724 1.29% $ 44,702 1.44%
(a) Average balances are calculated using a combination of monthly and daily average methodologies.
The following table presents the amount of certificates of deposit in denominations of $100 thousand or more segregated by time
remaining until maturity.
December 31, 2014 ($ in millions)
Three months
or less
Over three months
through
six months
Over six months
through
twelve months
Over
twelve months Total
Certificates of deposit ($100,000 or more) $ 1,940 $ 1,949 $ 3,654 $ 5,418 $ 12,961