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Wells Fargo Financial Bank, Performance and Condition Ratios
| 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 | 18.8093% | 8 |
| Cost of funding earning assets | 2.2228% | 5,494 |
| Net interest margin | 16.5864% | 7 |
| Noninterest income to average assets | 1.8211% | 409 |
| Noninterest expense to average assets | 2.6281% | 5,544 |
| Loan and lease loss provision to assets | 18.2203% | 2 |
| Net operating income to assets | -2.0899% | 7,624 |
| Return on assets (ROA) | -2.0486% | 7,573 |
| Pretax return on assets | -3.2381% | 7,770 |
| Return on Equity (ROE) | -14.6078% | 7,574 |
| Retained earnings to average equity (ytd only) | -14.6078% | 7,439 |
| Net charge-offs to loans | 9.7296% | 14 |
| Credit loss provision to net charge-offs | 191.3188% | 2,570 |
| Earnings coverage of net charge-offs (x) | 1.5664% | 5,310 |
| Efficiency ratio | 14.9784% | 8,272 |
| Assets per employee ($millions) | 5.8622% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.0566% | 7 |
| Loan loss allowance to noncurrent loans | 331.0978% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 4.3586% | 886 |
| Noncurrent loans to loans | 4.2455% | 1,146 |
| Net loans and leases to total assets | 87.6725% | 398 |
| Net loans and leases to deposits | 2,968.6803% | 10 |
| Net loans and leases to core deposits | 3,005.8621% | 15 |
| Total domestic deposits to total assets | 2.9532% | 8,285 |
| Equity capital to assets | 14.6898% | 1,253 |
| Core capital (leverage) ratio | 11.6905% | 2,131 |
| Tier 1 risk-based capital ratio | 12.0013% | 4,826 |
| Total risk-based capital ratio | 16.2097% | 2,979 |
| Memoranda: | ||
| Average total assets | $6,010,481,200 | 167 |
| Average earning assets | $5,698,200,600 | 154 |
| Average equity | $842,904,200 | 133 |
| Average total loans | $5,883,191,000 | 123 |