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Wells Fargo Central Bank, Performance and Condition Ratios

2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.1840%7,646
Cost of funding earning assets0.0237%7,624
Net interest margin0.1602%7,635
Noninterest income to average assets0.0498%7,106
Noninterest expense to average assets0.1271%7,644
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets0.0442%5,717
Return on assets (ROA)0.0442%5,856
Pretax return on assets0.0719%5,753
Return on Equity (ROE)0.1455%5,924
Retained earnings to average equity (ytd only)0.1455%5,506
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.8889%5,372
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,281
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,616
Net loans and leases to deposits0.0000%7,616
Net loans and leases to core deposits0.0000%7,598
Total domestic deposits to total assets10.2822%7,628
Equity capital to assets89.2151%15
Core capital (leverage) ratio85.1400%17
Tier 1 risk-based capital ratio437.2798%10
Total risk-based capital ratio437.2798%10
Memoranda:
Average total assets$18,090,0007,509
Average earning assets$16,852,0007,478
Average equity$5,499,0006,507
Average total loansNANA
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.1884%7,755
Cost of funding earning assets0.0202%7,732
Net interest margin0.1682%7,747
Noninterest income to average assets0.0570%7,242
Noninterest expense to average assets0.1709%7,752
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets0.0253%5,944
Return on assets (ROA)0.0253%6,069
Pretax return on assets0.0443%6,014
Return on Equity (ROE)0.0969%6,105
Retained earnings to average equity (ytd only)0.0969%5,741
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.4118%2,434
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,384
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,720
Net loans and leases to deposits0.0000%7,720
Net loans and leases to core deposits0.0000%7,701
Total domestic deposits to total assets14.5830%7,722
Equity capital to assets85.3704%18
Core capital (leverage) ratio37.6920%56
Tier 1 risk-based capital ratio417.2897%15
Total risk-based capital ratio417.2897%15
Memoranda:
Average total assets$21,071,0007,533
Average earning assets$19,819,2507,499
Average equity$5,498,5006,590
Average total loansNANA
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.1784%7,825
Cost of funding earning assets0.0162%7,803
Net interest margin0.1621%7,817
Noninterest income to average assets0.0540%7,318
Noninterest expense to average assets0.0540%7,823
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets0.1002%5,868
Return on assets (ROA)0.1002%5,982
Pretax return on assets0.1542%5,876
Return on Equity (ROE)0.4728%6,090
Retained earnings to average equity (ytd only)0.4728%5,572
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio25.9259%7,770
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,438
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,788
Net loans and leases to deposits0.0000%7,788
Net loans and leases to core deposits0.0000%7,770
Total domestic deposits to total assets78.5845%6,136
Equity capital to assets20.9736%238
Core capital (leverage) ratio18.3053%335
Tier 1 risk-based capital ratio88.9640%59
Total risk-based capital ratio88.9640%60
Memoranda:
Average total assets$25,948,3307,471
Average earning assets$24,670,0007,416
Average equity$5,499,0006,615
Average total loansNANA
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.1795%7,928
Cost of funding earning assets0.0163%7,906
Net interest margin0.1632%7,918
Noninterest income to average assets0.0310%7,554
Noninterest expense to average assets0.0620%7,928
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.0775%6,087
Return on assets (ROA)0.0775%6,196
Pretax return on assets0.1240%6,078
Return on Equity (ROE)0.3639%6,318
Retained earnings to average equity (ytd only)0.3639%5,692
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio33.3333%7,823
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,889
Net loans and leases to deposits0.0000%7,889
Net loans and leases to core deposits0.0000%7,870
Total domestic deposits to total assets76.4410%6,670
Equity capital to assets23.0640%177
Core capital (leverage) ratio16.6667%484
Tier 1 risk-based capital ratio98.1754%53
Total risk-based capital ratio98.1754%53
Memoranda:
Average total assets$25,796,5007,572
Average earning assets$24,514,0007,513
Average equity$5,495,5006,677
Average total loansNANA
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.2244%8,002
Cost of funding earning assets0.0163%7,994
Net interest margin0.2081%7,990
Noninterest income to average assets0.0423%7,536
Noninterest expense to average assets0.2832%8,000
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets-0.0488%5,580
Return on assets (ROA)-0.0488%5,608
Pretax return on assets-0.0749%5,563
Return on Equity (ROE)-0.2728%5,583
Retained earnings to average equity (ytd only)-0.2728%5,009
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio135.9375%416
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,964
Net loans and leases to deposits0.0000%7,964
Net loans and leases to core deposits0.0000%7,957
Total domestic deposits to total assets79.7550%5,749
Equity capital to assets19.7910%312
Core capital (leverage) ratio13.0618%1,235
Tier 1 risk-based capital ratio81.5838%74
Total risk-based capital ratio81.5838%74
Memoranda:
Average total assets$30,715,2007,450
Average earning assets$24,506,0007,562
Average equity$5,498,0006,770
Average total loansNANA
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.2165%8,089
Cost of funding earning assets0.0167%8,079
Net interest margin0.1999%8,079
Noninterest income to average assets0.0381%7,697
Noninterest expense to average assets0.3264%8,085
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets-0.0890%5,874
Return on assets (ROA)-0.0890%5,910
Pretax return on assets-0.1357%5,892
Return on Equity (ROE)-0.5092%5,856
Retained earnings to average equity (ytd only)-0.5092%5,350
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio171.1111%227
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%8,051
Net loans and leases to deposits0.0000%8,051
Net loans and leases to core deposits0.0000%8,041
Total domestic deposits to total assets85.0464%3,213
Equity capital to assets14.9237%1,024
Core capital (leverage) ratio12.5465%1,562
Tier 1 risk-based capital ratio62.1079%108
Total risk-based capital ratio62.1079%111
Memoranda:
Average total assets$31,455,2507,484
Average earning assets$24,016,2507,652
Average equity$5,499,2506,849
Average total loansNANA
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.2382%8,184
Cost of funding earning assets0.0198%8,172
Net interest margin0.2183%8,164
Noninterest income to average assets0.0337%7,821
Noninterest expense to average assets0.3099%8,183
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets-0.0808%5,977
Return on assets (ROA)-0.0808%6,036
Pretax return on assets-0.1280%6,030
Return on Equity (ROE)-0.4361%5,988
Retained earnings to average equity (ytd only)-0.4361%5,334
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio170.3704%285
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%8,143
Net loans and leases to deposits0.0000%8,143
Net loans and leases to core deposits0.0000%8,133
Total domestic deposits to total assets82.7760%4,350
Equity capital to assets17.1616%643
Core capital (leverage) ratio15.7183%787
Tier 1 risk-based capital ratio71.7800%98
Total risk-based capital ratio71.7800%100
Memoranda:
Average total assets$29,684,6707,616
Average earning assets$20,153,0007,854
Average equity$5,503,3306,898
Average total loansNANA
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.2974%8,234
Cost of funding earning assets0.0270%8,223
Net interest margin0.2704%8,213
Noninterest income to average assets0.0421%7,876
Noninterest expense to average assets0.2385%8,234
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets-0.0421%6,322
Return on assets (ROA)-0.0421%6,448
Pretax return on assets-0.0561%6,437
Return on Equity (ROE)-0.2179%6,433
Retained earnings to average equity (ytd only)-0.2179%5,694
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio130.7692%498
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%8,196
Net loans and leases to deposits0.0000%8,196
Net loans and leases to core deposits0.0000%8,185
Total domestic deposits to total assets80.2018%5,286
Equity capital to assets19.7695%431
Core capital (leverage) ratio16.5851%703
Tier 1 risk-based capital ratio83.2062%83
Total risk-based capital ratio83.2062%84
Memoranda:
Average total assets$28,514,5007,711
Average earning assets$14,794,5008,061
Average equity$5,507,0006,944
Average total loansNANA
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.0817%8,216
Cost of funding earning assets0.7026%8,149
Net interest margin1.3791%8,194
Noninterest income to average assets0.0191%8,034
Noninterest expense to average assets0.3379%8,273
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.0128%6,335
Return on assets (ROA)0.0128%6,188
Pretax return on assets0.0191%6,118
Return on Equity (ROE)0.0361%6,220
Retained earnings to average equity (ytd only)-4.4710%6,412
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.6429%1,240
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*12,500.0000%4
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%8,249
Net loans and leases to deposits0.0000%8,249
Net loans and leases to core deposits0.0000%8,238
Total domestic deposits to total assets81.0337%4,622
Equity capital to assets18.8772%560
Core capital (leverage) ratio14.5089%1,140
Tier 1 risk-based capital ratio79.3055%100
Total risk-based capital ratio79.3055%102
Memoranda:
Average total assets$15,683,4008,144
Average earning assets$3,843,0008,292
Average equity$5,546,8006,968
Average total loansNANA