The Bank of New York Mellon

The Bank of New York Mellon is headquartered in New York and is the largest bank in the state of New York. It is also the 7^th largest bank in the nation. It was established in 1851 and as of December of 2012, it had grown to 33,742 employees at 9 locations. The Bank of New York Mellon has a 5-star health rating.

Data for Q4 2012

The Bank of New York Mellon consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

639 - The Bank of New York Mellon
7946 - BNY Mellon, National Association
24867 - BNY Mellon Trust of Delaware
23472 - The Bank of New York Mellon Trust Company, National Association

Institution Statistics The Bank of New York Mellon FDIC Certificate # 639 BankRate Report View Year Established 1851 Employees 33742 Primary Regulator FED Assets and Liabilities Assets $282.44 billion Loans $27.75 billion Deposits $239.45 billion Equity Capital $19.70 billion Loan Loss Allowance $243.00 million Unbacked Noncurrent Loans $219.00 million Real Estate Owned $4.00 million Historic Data - December 2011 Assets $256.21 billion Equity Capital $17.91 billion Loan Loss Allowance $374.00 million Unbacked Noncurrent Loans $312.00 million Real Estate Owned $12.00 million Profit Margin - Quarterly Net Interest Margin 1.2% Return on Assets 0.51% Return on Equity 6.99% Interest Income $3.00 billion

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 The Bank of New York Mellon had $223 million in non-current loans and owned real-estate with $19.95 billion in equity and loan loss allowances on hand to cover it. This gives The Bank of New York Mellon a Texas Ratio of 1.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Bank of New York Mellon decreased slightly from 1.77% as of December 31, 2011 to 1.12% as of December 31, 2012, resulting in a positive change of 36.91%.This indicates that the balance sheet and financial strength for The Bank of New York Mellon has improved slightly in recent periods. Deposit Growth In the past year, The Bank of New York Mellon has increased its total deposits by $25.81 billion, resulting in 12.08% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Bank of New York Mellon has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Bank of New York Mellon has $282.44 billion in assets with $19.95 billion in equity, resulting in a capitalization level of 7.06%, which is below average.

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