Ally Financial 10K 2002 Annual report | ALLY Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	8th grade Bad

New words: AAA, ABA, abroad, accretion, ActivitiesAt, ActivitiesThe, actuarial, actuarially, advisory, affordable, AFS, aggressive, ALG, AnalysisWhile, ancillary, annum, appointment, ApprovalBased, ApprovalPrior, ARB, assignee, AssumptionsThe, automated, backup, banker, bankruptcy, behavior, billed, billing, borst, British, broadening, calibration, Carolina, Catastrophic, cease, Certificate, Certification, certify, certifying, challenging, channel, cleanup, closeout, Comerica, CommercialCommercial, CommitmentsExtended, CommitmentsFuture, CommitmentsThe, Comparison, complementary, composed, concentrated, concentration, ConcentrationsThe, confidence, confirm, confirmation, confirmed, consecutive, ConsolidationThe, constitute, consultation, consulting, ConsumerConsumer, contact, contemplated, ContingenciesGMAC, contrast, core, corrective, coupled, custodial, daily, DataThe, DebtThe, decentralized, deductible, degree, delegated, DerivativesGMAC, description, difficult, disclose, disclosed, disperse, dispersed, displayed, divided, downturn, economy, EITF, emergence, Emerging, enabling, enacted, encourage, environmental, equal, EquivalentsCash, excessive, exclusion, exclusive, exclusively, exhausted, exit, ExpensesCompensation, ExpensesGMAC, ExpensesThe, expressed, facilitiesLiquidity, FIN, FinancingGMAC, FinancingOne, flexibility, floorplan, Florida, foreclosure, framework, fraud, function, functional, GAAP, GAP, GMThe, goal, grown, guaranty, Guide, guidebook, guided, handling, headed, health, heavily, HedgesGMAC, herewith, HLTV, housing, human, illiquidity, illustrated, image, Improper, inadequate, inappropriate, inception, indemnification, Indenture, inflation, influence, influenced, influencing, inspect, InstrumentsIn, IntangiblesGoodwill, intense, interaction, InterestsWhen, InvestmentsThe, irrevocable, IRS, isolated, isolation, judged, knowledge, larger, leaseback, legislation, legislative, letter, LiabilitiesThe, light, linda, loansCommercial, loansConsumer, LoansFinance, long, LossesThe, lowest, magnitude, ManagementThe, manifest, markedly, MattersThe, meaningful, medium, Merger, methodology, migration, mileage, MINT, misleading, mismatch, MonitoringGMAC, Morgan, municipal, negotiated, NetThe, nonaccrual, noninterest, notice, official, Ontario, OperationsManagement, OperationsThe, opposed, opposite, ordinary, overview, owner, passed, passing, payout, peer, penalty, perfected, peril, point, possession, posted, predominantly, prepaid, prepay, prescribed, preserve, pro, ProceduresThe, ProceedingsGMAC, processed, processing, profile, prolonged, promissory, proper, PropertiesThe, proportionate, proprietary, prospective, proximity, Quebec, rata, ratification, RatingsThe, reach, reaching, receipt, ReclassificationsFor, reconciliation, recreational, refurbishment, ReinsuranceThe, release, remit, remitting, remote, repaid, repatriated, replenishment, reputable, request, reset, ResidualsGMAC, resource, responding, restored, Restructuring, ResultsGMAC, ResultsThe, RevenueInsurance, RevenuesTotal, RevenueThe, RightsMortgage, RightsThe, RiskAn, RiskCredit, RiskGMAC, RiskOne, role, rose, SaleThe, science, scoring, SEC, SecuritiesThe, SecuritizationsThe, ServicesGMAC, ServicingThe, shareholder, SheetA, single, site, size, SmartNote, soft, sooner, standby, StatementA, static, steady, StrategyGMAC, stream, strength, Successor, sum, Supplemental, supplementary, supplemented, supplementing, supply, system, systematic, Task, taxation, TaxesGMAC, tear, temporarily, TransactionsThe, Treasurer, trend, unallocated, Unaudited, uncertain, uncollectible, unconsolidated, unemployment, unexpired, unforeseen, uninsured, unique, unprecedented, unpredictable, unqualified, unrated, untrue, upwardly, validate, validated, validity, VaR, vendor, verify, VIE, view, voting, walter, WAM, Warren, weak, weakening, weaker, wear, website, widening, worksite, writedown, writing

Removed: absorb, accelerate, Add, administrative, advanced, advice, aforementioned, alter, amounting, appraisal, area, aspect, assigning, averaged, backed, bear, breakdown, buyback, buyer, calculate, called, careful, case, categorized, changeover, check, circular, circulation, companion, complied, computed, Computer, conclusion, conducting, consent, contracted, conversion, correlating, correspondingly, create, delivery, depreciable, deviate, differential, direction, Director, division, effort, eleven, eliminated, employed, Employer, escrow, essentially, European, executed, exercising, experiencing, extend, factored, fashion, FHLMC, fifteen, finnegan, FNMA, formed, France, frequently, gerald, GMACI, GMACMG, granted, guaranteeing, identical, II, implementation, inapplicable, Inclusive, innovative, Instruction, Integon, integrated, Interbank, internationally, intracompany, introduction, IV, Japan, join, joint, jurisdiction, LAE, lag, legacy, LIBOR, lifetime, limitation, linked, London, margin, mark, matched, modified, Monetary, move, multifamily, noncancellable, notation, noted, notional, occupied, outset, overstate, peak, penetration, permanently, preceding, predominately, produce, producing, project, protected, QUALITATIVE, read, recommendation, regional, remittance, reportable, represented, reprice, repricing, reside, restricting, resumed, retaining, reviewing, revision, satisfaction, schedule, securitizing, segregated, serviced, shelf, shorter, show, slightly, SmartLease, SOP, spring, straight, stratified, strip, stripped, strongest, successful, summer, superior, susceptible, tailored, technical, tender, thereof, top, traded, traditionally, umbrella, Unamortized, uncertainty, unchanged, Union, unissued, Washington, whichever, withdrawal, withdrawn, writer

(1)		The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2)		The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

Ally Financial (ALLY) 10-K2002 FY Annual report

Content analysis