Home > Wells Fargo Bank South > Performance and Condition Ratios
Wells Fargo Bank South, Performance and Condition Ratios
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1411% | 8,026 |
| Cost of funding earning assets | 1.0565% | 7,272 |
| Net interest margin | 1.0846% | 8,007 |
| Noninterest income to average assets | -0.0221% | 7,874 |
| Noninterest expense to average assets | 0.5216% | 8,070 |
| Loan and lease loss provision to assets | -0.7270% | 8,097 |
| Net operating income to assets | 0.7814% | 2,892 |
| Return on assets (ROA) | 0.7814% | 2,949 |
| Pretax return on assets | 1.2084% | 2,240 |
| Return on Equity (ROE) | 10.9208% | 1,647 |
| Retained earnings to average equity (ytd only) | 10.9208% | 481 |
| Net charge-offs to loans | 0.3830% | 3,730 |
| Credit loss provision to net charge-offs | -963.2749% | 7,319 |
| Earnings coverage of net charge-offs (x) | 6.3783% | 2,618 |
| Efficiency ratio | 49.7905% | 7,573 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 3,798 |
| Loan loss allowance to noncurrent loans | 8.9910% | 7,470 |
| Noncurrent assets plus other real estate owned to assets | 3.5569% | 1,857 |
| Noncurrent loans to loans | 15.8729% | 126 |
| Net loans and leases to total assets | 21.6904% | 7,938 |
| Net loans and leases to deposits | 288.3109% | 22 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.5233% | 8,068 |
| Equity capital to assets | 8.7747% | 5,841 |
| Core capital (leverage) ratio | 8.6930% | 5,138 |
| Tier 1 risk-based capital ratio | 28.2143% | 674 |
| Total risk-based capital ratio | 29.2344% | 673 |
| Memoranda: | ||
| Average total assets | $26,616,367,250 | 55 |
| Average earning assets | $25,156,214,000 | 54 |
| Average equity | $1,904,537,250 | 64 |
| Average total loans | $5,244,129,750 | 127 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3402% | 8,110 |
| Cost of funding earning assets | 1.2529% | 6,950 |
| Net interest margin | 1.0874% | 8,088 |
| Noninterest income to average assets | -0.0271% | 7,994 |
| Noninterest expense to average assets | 0.5268% | 8,169 |
| Loan and lease loss provision to assets | -0.0890% | 8,160 |
| Net operating income to assets | 0.3641% | 4,640 |
| Return on assets (ROA) | 0.3641% | 4,744 |
| Pretax return on assets | 0.5641% | 4,430 |
| Return on Equity (ROE) | 5.4225% | 3,895 |
| Retained earnings to average equity (ytd only) | 5.4225% | 2,283 |
| Net charge-offs to loans | 0.2014% | 4,278 |
| Credit loss provision to net charge-offs | -231.7469% | 6,988 |
| Earnings coverage of net charge-offs (x) | 12.3647% | 1,823 |
| Efficiency ratio | 50.4702% | 7,638 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1387% | 230 |
| Loan loss allowance to noncurrent loans | 27.5456% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 3.1303% | 2,006 |
| Noncurrent loans to loans | 15.0250% | 134 |
| Net loans and leases to total assets | 19.3767% | 8,042 |
| Net loans and leases to deposits | 134.5524% | 97 |
| Net loans and leases to core deposits | 341.2817% | 34 |
| Total domestic deposits to total assets | 14.4008% | 8,146 |
| Equity capital to assets | 7.4008% | 7,352 |
| Core capital (leverage) ratio | 7.2738% | 7,273 |
| Tier 1 risk-based capital ratio | 24.8168% | 959 |
| Total risk-based capital ratio | 26.0866% | 939 |
| Memoranda: | ||
| Average total assets | $27,893,415,330 | 56 |
| Average earning assets | $26,394,197,330 | 53 |
| Average equity | $1,872,940,330 | 71 |
| Average total loans | $5,320,919,000 | 132 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6450% | 8,161 |
| Cost of funding earning assets | 1.4823% | 6,461 |
| Net interest margin | 1.1627% | 8,137 |
| Noninterest income to average assets | 0.0005% | 8,037 |
| Noninterest expense to average assets | 0.5117% | 8,215 |
| Loan and lease loss provision to assets | -0.8250% | 8,235 |
| Net operating income to assets | 0.9112% | 2,657 |
| Return on assets (ROA) | 0.9112% | 2,802 |
| Pretax return on assets | 1.4122% | 1,931 |
| Return on Equity (ROE) | 14.2108% | 1,126 |
| Retained earnings to average equity (ytd only) | 14.2108% | 498 |
| Net charge-offs to loans | 0.0096% | 5,517 |
| Credit loss provision to net charge-offs | -46,436.4341% | 6,818 |
| Earnings coverage of net charge-offs (x) | 330.4884% | 121 |
| Efficiency ratio | 44.7146% | 7,903 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2148% | 401 |
| Loan loss allowance to noncurrent loans | 22.8001% | 7,027 |
| Noncurrent assets plus other real estate owned to assets | 2.6679% | 2,147 |
| Noncurrent loans to loans | 14.1000% | 121 |
| Net loans and leases to total assets | 18.1035% | 8,106 |
| Net loans and leases to deposits | 134.7426% | 115 |
| Net loans and leases to core deposits | 401.5298% | 27 |
| Total domestic deposits to total assets | 13.4356% | 8,199 |
| Equity capital to assets | 6.6800% | 7,818 |
| Core capital (leverage) ratio | 6.4675% | 7,892 |
| Tier 1 risk-based capital ratio | 22.7714% | 1,219 |
| Total risk-based capital ratio | 24.0322% | 1,192 |
| Memoranda: | ||
| Average total assets | $29,043,536,500 | 56 |
| Average earning assets | $27,434,030,500 | 52 |
| Average equity | $1,862,355,000 | 71 |
| Average total loans | $5,394,776,000 | 132 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 8,298 |
| Cost of funding earning assets | 0.0000% | 8,290 |
| Net interest margin | 0.0000% | 8,294 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.0000% | 8,298 |
| Loan and lease loss provision to assets | 0.3500% | 3,597 |
| Net operating income to assets | -0.2275% | 6,651 |
| Return on assets (ROA) | -0.2275% | 6,494 |
| Pretax return on assets | -0.3500% | 6,500 |
| Return on Equity (ROE) | -3.7375% | 6,710 |
| Retained earnings to average equity (ytd only) | -3.7375% | 6,268 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7275% | 116 |
| Loan loss allowance to noncurrent loans | 46.0598% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 2.0158% | 2,442 |
| Noncurrent loans to loans | 10.2638% | 199 |
| Net loans and leases to total assets | 17.5767% | 8,175 |
| Net loans and leases to deposits | 105.8083% | 1,138 |
| Net loans and leases to core deposits | 293.3630% | 49 |
| Total domestic deposits to total assets | 16.6119% | 8,245 |
| Equity capital to assets | 6.1530% | 8,033 |
| Core capital (leverage) ratio | 5.7943% | 8,131 |
| Tier 1 risk-based capital ratio | 20.4862% | 1,538 |
| Total risk-based capital ratio | 21.7590% | 1,498 |
| Memoranda: | ||
| Average total assets | $27,145,572,600 | 56 |
| Average earning assets | $25,803,641,800 | 54 |
| Average equity | $1,652,258,600 | 70 |
| Average total loans | $7,492,170,400 | 102 |