Analyze a publicly traded U.S. commercial banking company (Wells Fargo)

• Bank Strategy Analysis: What are the fundamental drivers of your bank's growth and value? You can get a good sense by looking at the following ratios and analyzing them:
• Net interest margin.
• Allowance for loan losses, as a % of assets.
• Loans to core deposits ratio.
• Loans to assets ratio.
• Noninterest income, as a % of operating income.
• Cost efficiency ratio = noninterest expense/operating income.
• Equity-to-Assets ratio.