Home > Wells Fargo HSBC Trade Bank > Performance and Condition Ratios
Wells Fargo HSBC Trade Bank, Performance and Condition Ratios
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8539% | 7,828 |
| Cost of funding earning assets | 0.1036% | 7,879 |
| Net interest margin | 2.7503% | 7,246 |
| Noninterest income to average assets | 4.0028% | 166 |
| Noninterest expense to average assets | 3.7645% | 1,384 |
| Loan and lease loss provision to assets | 0.2442% | 4,098 |
| Net operating income to assets | 1.5424% | 831 |
| Return on assets (ROA) | 1.5424% | 893 |
| Pretax return on assets | 2.6208% | 203 |
| Return on Equity (ROE) | 8.6169% | 2,621 |
| Retained earnings to average equity (ytd only) | 8.6169% | 1,503 |
| Net charge-offs to loans | 0.3499% | 3,009 |
| Credit loss provision to net charge-offs | 72.1739% | 4,054 |
| Earnings coverage of net charge-offs (x) | 8.4680% | 1,959 |
| Efficiency ratio | 56.7838% | 6,655 |
| Assets per employee ($millions) | 5.5762% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 5,389 |
| Loan loss allowance to noncurrent loans | 268.5714% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 6,358 |
| Noncurrent loans to loans | 0.4546% | 6,389 |
| Net loans and leases to total assets | 96.2413% | 5 |
| Net loans and leases to deposits | 9,110.4420% | 7 |
| Net loans and leases to core deposits | 9,411.9126% | 15 |
| Total domestic deposits to total assets | 1.0564% | 7,925 |
| Equity capital to assets | 18.3117% | 394 |
| Core capital (leverage) ratio | 17.1116% | 444 |
| Tier 1 risk-based capital ratio | 13.1269% | 4,251 |
| Total risk-based capital ratio | 16.0105% | 3,188 |
| Memoranda: | ||
| Average total assets | $1,495,562,000 | 467 |
| Average earning assets | $1,428,366,500 | 441 |
| Average equity | $267,705,500 | 279 |
| Average total loans | $1,446,120,500 | 340 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0450% | 7,877 |
| Cost of funding earning assets | 0.1791% | 7,948 |
| Net interest margin | 2.8659% | 6,927 |
| Noninterest income to average assets | 4.0913% | 166 |
| Noninterest expense to average assets | 3.5149% | 2,339 |
| Loan and lease loss provision to assets | 0.0826% | 6,784 |
| Net operating income to assets | 1.9575% | 250 |
| Return on assets (ROA) | 1.9575% | 262 |
| Pretax return on assets | 3.2405% | 77 |
| Return on Equity (ROE) | 12.4180% | 1,068 |
| Retained earnings to average equity (ytd only) | 12.4180% | 186 |
| Net charge-offs to loans | 0.0412% | 6,701 |
| Credit loss provision to net charge-offs | 206.7930% | 1,855 |
| Earnings coverage of net charge-offs (x) | 83.2275% | 327 |
| Efficiency ratio | 51.4021% | 7,440 |
| Assets per employee ($millions) | 5.7765% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 5,146 |
| Loan loss allowance to noncurrent loans | 393.7198% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 6,693 |
| Noncurrent loans to loans | 0.3135% | 6,657 |
| Net loans and leases to total assets | 94.7900% | 8 |
| Net loans and leases to deposits | 1,860.5465% | 11 |
| Net loans and leases to core deposits | 11,850.2643% | 9 |
| Total domestic deposits to total assets | 5.0947% | 7,985 |
| Equity capital to assets | 17.4980% | 503 |
| Core capital (leverage) ratio | 17.0972% | 480 |
| Tier 1 risk-based capital ratio | 12.9026% | 4,208 |
| Total risk-based capital ratio | 17.0446% | 2,541 |
| Memoranda: | ||
| Average total assets | $1,585,349,600 | 434 |
| Average earning assets | $1,519,396,000 | 415 |
| Average equity | $249,903,200 | 286 |
| Average total loans | $1,537,184,200 | 328 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0962% | 7,974 |
| Cost of funding earning assets | 0.2002% | 8,029 |
| Net interest margin | 2.8960% | 6,870 |
| Noninterest income to average assets | 4.1119% | 161 |
| Noninterest expense to average assets | 3.4228% | 2,502 |
| Loan and lease loss provision to assets | 0.1053% | 6,324 |
| Net operating income to assets | 2.0336% | 273 |
| Return on assets (ROA) | 2.0336% | 296 |
| Pretax return on assets | 3.3666% | 78 |
| Return on Equity (ROE) | 13.2451% | 1,059 |
| Retained earnings to average equity (ytd only) | 13.2451% | 243 |
| Net charge-offs to loans | 0.0245% | 6,545 |
| Credit loss provision to net charge-offs | 442.6573% | 895 |
| Earnings coverage of net charge-offs (x) | 145.9805% | 263 |
| Efficiency ratio | 49.6442% | 7,580 |
| Assets per employee ($millions) | 5.6756% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 4,957 |
| Loan loss allowance to noncurrent loans | 459.5262% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 6,856 |
| Noncurrent loans to loans | 0.2675% | 6,839 |
| Net loans and leases to total assets | 96.3253% | 6 |
| Net loans and leases to deposits | 1,666.7888% | 12 |
| Net loans and leases to core deposits | 6,397.0224% | 10 |
| Total domestic deposits to total assets | 5.7791% | 8,072 |
| Equity capital to assets | 16.9778% | 639 |
| Core capital (leverage) ratio | 16.5510% | 610 |
| Tier 1 risk-based capital ratio | 12.3906% | 4,639 |
| Total risk-based capital ratio | 16.4682% | 2,888 |
| Memoranda: | ||
| Average total assets | $1,603,326,250 | 443 |
| Average earning assets | $1,540,596,750 | 426 |
| Average equity | $246,173,500 | 299 |
| Average total loans | $1,558,349,500 | 339 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1110% | 8,066 |
| Cost of funding earning assets | 0.2289% | 8,121 |
| Net interest margin | 2.8821% | 6,842 |
| Noninterest income to average assets | 4.1977% | 160 |
| Noninterest expense to average assets | 3.3092% | 2,919 |
| Loan and lease loss provision to assets | 0.1284% | 5,817 |
| Net operating income to assets | 2.1313% | 222 |
| Return on assets (ROA) | 2.1313% | 242 |
| Pretax return on assets | 3.5273% | 70 |
| Return on Equity (ROE) | 14.3531% | 931 |
| Retained earnings to average equity (ytd only) | 14.3531% | 238 |
| Net charge-offs to loans | 0.0402% | 5,909 |
| Credit loss provision to net charge-offs | 329.2453% | 1,412 |
| Earnings coverage of net charge-offs (x) | 93.7358% | 407 |
| Efficiency ratio | 47.5119% | 7,777 |
| Assets per employee ($millions) | 5.9108% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 5,022 |
| Loan loss allowance to noncurrent loans | 337.8358% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 6,595 |
| Noncurrent loans to loans | 0.3519% | 6,629 |
| Net loans and leases to total assets | 96.1420% | 8 |
| Net loans and leases to deposits | 1,883.4310% | 12 |
| Net loans and leases to core deposits | 10,412.8684% | 8 |
| Total domestic deposits to total assets | 5.1046% | 8,168 |
| Equity capital to assets | 16.1571% | 800 |
| Core capital (leverage) ratio | 15.3103% | 855 |
| Tier 1 risk-based capital ratio | 11.6899% | 5,207 |
| Total risk-based capital ratio | 15.6264% | 3,254 |
| Memoranda: | ||
| Average total assets | $1,630,745,330 | 449 |
| Average earning assets | $1,565,737,670 | 427 |
| Average equity | $242,150,000 | 306 |
| Average total loans | $1,583,330,000 | 343 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0395% | 8,138 |
| Cost of funding earning assets | 0.2443% | 8,170 |
| Net interest margin | 2.7952% | 7,000 |
| Noninterest income to average assets | 3.6660% | 173 |
| Noninterest expense to average assets | 3.2288% | 2,864 |
| Loan and lease loss provision to assets | 0.0626% | 6,170 |
| Net operating income to assets | 1.8468% | 483 |
| Return on assets (ROA) | 1.8468% | 538 |
| Pretax return on assets | 3.0567% | 122 |
| Return on Equity (ROE) | 12.9691% | 1,398 |
| Retained earnings to average equity (ytd only) | 12.9691% | 647 |
| Net charge-offs to loans | -0.0062% | 7,206 |
| Credit loss provision to net charge-offs | -1,044.0000% | 6,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8628% | 7,521 |
| Assets per employee ($millions) | 6.0656% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 5,229 |
| Loan loss allowance to noncurrent loans | 141.2466% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 5,224 |
| Noncurrent loans to loans | 0.8029% | 5,427 |
| Net loans and leases to total assets | 95.8530% | 11 |
| Net loans and leases to deposits | 2,332.7063% | 12 |
| Net loans and leases to core deposits | 278,016.1818% | 2 |
| Total domestic deposits to total assets | 4.1091% | 8,220 |
| Equity capital to assets | 15.1384% | 1,062 |
| Core capital (leverage) ratio | 14.1275% | 1,163 |
| Tier 1 risk-based capital ratio | 11.1256% | 5,790 |
| Total risk-based capital ratio | 15.0208% | 3,634 |
| Memoranda: | ||
| Average total assets | $1,668,851,500 | 438 |
| Average earning assets | $1,601,327,000 | 419 |
| Average equity | $237,641,500 | 313 |
| Average total loans | $1,618,724,000 | 340 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4873% | 8,032 |
| Cost of funding earning assets | 1.4381% | 7,698 |
| Net interest margin | 3.0492% | 6,793 |
| Noninterest income to average assets | 3.6461% | 161 |
| Noninterest expense to average assets | 2.9194% | 4,382 |
| Loan and lease loss provision to assets | 1.3822% | 1,005 |
| Net operating income to assets | 1.3647% | 1,311 |
| Return on assets (ROA) | 1.3647% | 1,264 |
| Pretax return on assets | 2.2703% | 337 |
| Return on Equity (ROE) | 11.2058% | 1,844 |
| Retained earnings to average equity (ytd only) | 11.2058% | 302 |
| Net charge-offs to loans | 1.2326% | 979 |
| Credit loss provision to net charge-offs | 115.9102% | 4,657 |
| Earnings coverage of net charge-offs (x) | 3.0630% | 4,553 |
| Efficiency ratio | 44.4227% | 7,995 |
| Assets per employee ($millions) | 6.6002% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 5,848 |
| Loan loss allowance to noncurrent loans | 109.9611% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.9005% | 4,590 |
| Noncurrent loans to loans | 0.9280% | 4,760 |
| Net loans and leases to total assets | 96.0461% | 10 |
| Net loans and leases to deposits | 1,638.9985% | 11 |
| Net loans and leases to core deposits | 4,509.8628% | 11 |
| Total domestic deposits to total assets | 5.8600% | 8,275 |
| Equity capital to assets | 13.4172% | 1,622 |
| Core capital (leverage) ratio | 13.7026% | 1,331 |
| Tier 1 risk-based capital ratio | 10.4139% | 6,298 |
| Total risk-based capital ratio | 14.1622% | 4,080 |
| Memoranda: | ||
| Average total assets | $1,816,327,000 | 392 |
| Average earning assets | $1,742,781,000 | 373 |
| Average equity | $221,197,400 | 340 |
| Average total loans | $1,757,153,400 | 313 |