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Comparative Analysis




Comparative Analysis of Alpha Bank UK, N.A. to
Five Largest Banks in the United States & Average of all US Banks
                 
"Texas Ratio"                
  Non-Performing Assets + Loans      90 Days Past Due / Tangible Equity + Loan Loss Reserve            
As of December 31, 2014 (Lower is Better)            
  (%) Rank            
                 
Alpha Bank UK, National Association 0.00 1            
JPMorgan Chase Bank, National Association 17.33 4            
Bank of America, National Association 25.88 5            
Citibank, N.A. 14.18 3            
Wells Fargo Bank, National Association 34.89 6            
Bank of New York Mellon 1.27 2            
Average of all US Banks 17.34              
                 
Asset Quality                
 
Non-Performing Assets + 90 Days Past Due / Assets

                       
Non-Performing Loans / Loans

                
Reserves / Non-Performing Assets             
As of December 31, 2014 (Lower is Better) (Lower is Better) (Higher is Better)    
  (%) Rank (%) Rank (%) Rank    
                 
Alpha Bank UK, National Association 0.00 1 0.00 1 Infinite 1    
JPMorgan Chase Bank, National Association 1.42 3 3.08 6 53.34 5    
Bank of America, National Association 2.59 5 2.73 5 55.62 4    
Citibank, N.A. 1.51 4 2.66 4 76.74 3    
Wells Fargo Bank, National Association 2.95 6 2.58 3 45.05 6    
Bank of New York Mellon 0.06 2 0.46 2 100.60 2    
Average of all US Banks 1.85   1.97   130.43      
                 
Capital Levels                
  Risk Based Capital Ratio                  Tier 1 Common   Risk Based Capital  Ratio                 
As of December 31, 2014 (Higher is Better) (Higher is Better)        
  (%) Rank (%) Rank        
                 
Alpha Bank UK, National Association 14.94 1 13.88 1        
JPMorgan Chase Bank, National Association 12.53 6 11.80 5        
Bank of America, National Association 14.63 3 13.14 3        
Citibank, N.A. 14.81 2 13.65 2        
Wells Fargo Bank, National Association 12.61 5 10.49 6        
Bank of New York Mellon 13.75 4 12.97 4        
Average of all US Banks 18.10   16.90          
                 
Liquidity                
  Liquidity Ratio          Pledged Securities / Securities                 
As of December 31, 2014 (Higher is Better) (Lower is Better)        
  (%) Rank (%) Rank        
                 
Alpha Bank UK, National Association 44.87 3 14.89 1        
JPMorgan Chase Bank, National Association 61.44 1 35.70 4        
Bank of America, National Association 37.20 5 18.05 2        
Citibank, N.A. 42.53 4 55.09 5        
Wells Fargo Bank, National Association 36.11 6 33.38 3        
Bank of New York Mellon 57.09 2 72.15 6        
Average of all US Banks 28.44   41.20          
                 
Efficiency and Returns                
  Non-Interest Expense /     Average Assets    2014 Cost of Funds    2014          Return on     Average Assets  2009 - 2014 Return on     Average Equity  2009 - 2014
  (Lower is Better) (Lower is Better) (Higher is Better) (Higher is Better)
  (%) Rank (%) Rank (%) Rank (%) Rank
                 
Alpha Bank UK, National Association 2.13 1 0.21 4 0.83 2 8.83 3
JPMorgan Chase Bank, National Association 2.62 3 0.26 5 0.72 4 9.00 2
Bank of America, National Association 3.08 6 0.15 2 0.79 3 6.79 4
Citibank, N.A. 2.66 5 0.66 6 0.68 5 6.37 5
Wells Fargo Bank, National Association 2.62 3 0.18 3 1.31 1 12.54 1
Bank of New York Mellon 2.59 2 0.07 1 0.44 6 5.83 6
Average of all US Banks 3.48   0.48   0.83   7.63  
                 
Independent Ratings                
  Veribanc Safety Rating Bauer Financial      
As of September 30, 2014
(More Stars is Better)
 
(More Stars is Better)
     
  Safety Rating Rank Rating Rank      
                 
Alpha Bank UK, National Association GREEN/*** 1 5 Star 1      
JPMorgan Chase Bank, National Association GREEN/* 2 4 Star 2      
Bank of America, National Association GREEN/* 2 4 Star 2      
Citibank, N.A. GREEN/* 2 4 Star 2      
Wells Fargo Bank, National Association GREEN/* 2 4 Star 2      
Bank of New York Mellon GREEN/* 2 3.5 Star 3      
Average of all US Banks N/A   N/A        
                 

 

Source: SNL Financial, Veribanc Inc. and BauerFinancial, Inc.

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