Home > Wells Fargo Bank Southwest > Performance and Condition Ratios
Wells Fargo Bank Southwest, 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 | 5.3973% | 4,965 |
| Cost of funding earning assets | 1.0390% | 7,309 |
| Net interest margin | 4.3582% | 1,569 |
| Noninterest income to average assets | 1.0665% | 1,393 |
| Noninterest expense to average assets | 1.4411% | 7,911 |
| Loan and lease loss provision to assets | 1.7312% | 1,066 |
| Net operating income to assets | 1.1384% | 1,612 |
| Return on assets (ROA) | 1.1611% | 1,620 |
| Pretax return on assets | 1.8619% | 713 |
| Return on Equity (ROE) | 10.8034% | 1,675 |
| Retained earnings to average equity (ytd only) | 10.8034% | 498 |
| Net charge-offs to loans | 0.8216% | 2,321 |
| Credit loss provision to net charge-offs | 252.5413% | 1,698 |
| Earnings coverage of net charge-offs (x) | 5.1896% | 2,902 |
| Efficiency ratio | 28.0753% | 8,020 |
| Assets per employee ($millions) | 14.0149% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7356% | 849 |
| Loan loss allowance to noncurrent loans | 21.9905% | 6,983 |
| Noncurrent assets plus other real estate owned to assets | 10.5260% | 309 |
| Noncurrent loans to loans | 12.4401% | 249 |
| Net loans and leases to total assets | 81.0671% | 967 |
| Net loans and leases to deposits | 2,405.8111% | 10 |
| Net loans and leases to core deposits | 26,531.1258% | 5 |
| Total domestic deposits to total assets | 3.3696% | 8,075 |
| Equity capital to assets | 11.4964% | 2,589 |
| Core capital (leverage) ratio | 8.0368% | 6,298 |
| Tier 1 risk-based capital ratio | 14.1252% | 3,479 |
| Total risk-based capital ratio | 15.4112% | 3,408 |
| Memoranda: | ||
| Average total assets | $63,251,368,750 | 32 |
| Average earning assets | $57,068,117,000 | 30 |
| Average equity | $6,798,233,250 | 30 |
| Average total loans | $52,775,308,250 | 21 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5007% | 4,626 |
| Cost of funding earning assets | 1.2038% | 7,095 |
| Net interest margin | 4.2969% | 1,667 |
| Noninterest income to average assets | 1.1760% | 1,126 |
| Noninterest expense to average assets | 1.5551% | 7,942 |
| Loan and lease loss provision to assets | 1.1473% | 1,495 |
| Net operating income to assets | 1.4584% | 921 |
| Return on assets (ROA) | 1.4920% | 911 |
| Pretax return on assets | 2.4048% | 251 |
| Return on Equity (ROE) | 14.1882% | 961 |
| Retained earnings to average equity (ytd only) | 14.1882% | 249 |
| Net charge-offs to loans | 0.5133% | 2,785 |
| Credit loss provision to net charge-offs | 267.7927% | 1,741 |
| Earnings coverage of net charge-offs (x) | 8.1689% | 2,304 |
| Efficiency ratio | 30.0240% | 8,105 |
| Assets per employee ($millions) | 12.9074% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1157% | 1,365 |
| Loan loss allowance to noncurrent loans | 20.3271% | 7,111 |
| Noncurrent assets plus other real estate owned to assets | 9.2259% | 360 |
| Noncurrent loans to loans | 10.4081% | 322 |
| Net loans and leases to total assets | 85.0533% | 500 |
| Net loans and leases to deposits | 738.7853% | 17 |
| Net loans and leases to core deposits | 1,213.3516% | 17 |
| Total domestic deposits to total assets | 11.5126% | 8,152 |
| Equity capital to assets | 11.4028% | 2,599 |
| Core capital (leverage) ratio | 7.4338% | 7,095 |
| Tier 1 risk-based capital ratio | 12.8572% | 4,238 |
| Total risk-based capital ratio | 14.1327% | 4,142 |
| Memoranda: | ||
| Average total assets | $64,359,257,330 | 32 |
| Average earning assets | $58,096,772,670 | 28 |
| Average equity | $6,767,802,670 | 30 |
| Average total loans | $53,717,719,000 | 20 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5217% | 4,800 |
| Cost of funding earning assets | 1.4227% | 6,652 |
| Net interest margin | 4.0990% | 2,271 |
| Noninterest income to average assets | 1.1630% | 1,082 |
| Noninterest expense to average assets | 1.5049% | 7,982 |
| Loan and lease loss provision to assets | 0.3028% | 3,525 |
| Net operating income to assets | 1.9571% | 377 |
| Return on assets (ROA) | 2.0221% | 385 |
| Pretax return on assets | 3.1636% | 108 |
| Return on Equity (ROE) | 19.9946% | 420 |
| Retained earnings to average equity (ytd only) | 19.9946% | 161 |
| Net charge-offs to loans | 0.1234% | 3,989 |
| Credit loss provision to net charge-offs | 299.5115% | 1,631 |
| Earnings coverage of net charge-offs (x) | 33.2807% | 985 |
| Efficiency ratio | 30.0355% | 8,153 |
| Assets per employee ($millions) | 13.3908% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6573% | 2,281 |
| Loan loss allowance to noncurrent loans | 18.5054% | 7,240 |
| Noncurrent assets plus other real estate owned to assets | 7.8496% | 390 |
| Noncurrent loans to loans | 8.9559% | 363 |
| Net loans and leases to total assets | 84.8907% | 561 |
| Net loans and leases to deposits | 768.9294% | 18 |
| Net loans and leases to core deposits | 1,421.7608% | 15 |
| Total domestic deposits to total assets | 11.0401% | 8,205 |
| Equity capital to assets | 10.8673% | 3,109 |
| Core capital (leverage) ratio | 6.9159% | 7,687 |
| Tier 1 risk-based capital ratio | 12.0526% | 4,921 |
| Total risk-based capital ratio | 13.3193% | 4,798 |
| Memoranda: | ||
| Average total assets | $66,406,509,000 | 31 |
| Average earning assets | $60,050,724,500 | 28 |
| Average equity | $6,715,756,000 | 30 |
| Average total loans | $54,394,064,500 | 20 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 8,298 |
| Cost of funding earning assets | 0.0000% | 8,290 |
| Net interest margin | 0.0000% | 8,294 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.0000% | 8,298 |
| Loan and lease loss provision to assets | 0.5326% | 2,688 |
| Net operating income to assets | -0.3462% | 6,768 |
| Return on assets (ROA) | -0.3462% | 6,643 |
| Pretax return on assets | -0.5326% | 6,678 |
| Return on Equity (ROE) | -5.0151% | 6,870 |
| Retained earnings to average equity (ytd only) | -5.0151% | 6,517 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 13.8916% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 1,560 |
| Loan loss allowance to noncurrent loans | 28.8684% | 6,771 |
| Noncurrent assets plus other real estate owned to assets | 5.2507% | 640 |
| Noncurrent loans to loans | 6.3582% | 514 |
| Net loans and leases to total assets | 76.4231% | 2,516 |
| Net loans and leases to deposits | 618.0352% | 17 |
| Net loans and leases to core deposits | 1,153.0066% | 19 |
| Total domestic deposits to total assets | 12.3655% | 8,259 |
| Equity capital to assets | 9.4190% | 4,801 |
| Core capital (leverage) ratio | 5.8712% | 8,114 |
| Tier 1 risk-based capital ratio | 11.4225% | 5,317 |
| Total risk-based capital ratio | 12.6927% | 5,194 |
| Memoranda: | ||
| Average total assets | $67,445,052,000 | 26 |
| Average earning assets | $62,980,645,600 | 24 |
| Average equity | $4,655,688,600 | 37 |
| Average total loans | $58,184,678,800 | 18 |