The summary UBPR page for Wells Fargo Bank, NA is shown in the table on page 138. Average total assets for Wells Fargo was quite high as of December 31, 2013. Use the data from December 31, 2013, to explain whether this bank was a high- or low-performance bank compared with peers. Discuss specifically (1) financial leverage, (2) expense control, and (3) the contribution of interest and noninterest income to overall bank profitability. List three areas that management should focus on to improve performance. Using the limited information provided, evaluate Wells Fargos credit, liquidity, and capital risk.

One Chart is Wells Fargo and one chart is PNC

Summary Ratios from Well Fargo's 2008-2012 UBPR WELLS FARGO BANK, NA:SIOUX FALLS, SD Summary Ratios OCC Charter County: MINNEHAHA 2/312013 12/31/2012 Pretax Net Operating Income (TE) 73 145 67 135 147 4 157 1.26 6 34 00 4 0-0.13 5 Net Inc Attrib to Min Ints Avg Int-Bearing Funds to Avg Assets 77.6477.3941 T7.08 77.80 36 76.88 78.59 3637012735 79408124 35 tarnings Coverage of Net Loses 5.096 LNALS Allowance to Net Lowes DO LNALS Allowance to Total LN&LS Tot LN&LS-90+ Days Past Due NeuNon Core Fund Dep New $250M 9531289 40 1060 "A9 49 11.00 15.09 48 1296 1728 47 190230.36 27 Short Teem Non Core Funding 30,575,352 2,665,957 Number of banks in Peer Groug Source: Wels Farga Uniform Bank Perfarmance Report, httpeedr.ffiec.goupublicManagefacsimilesaipReporttype8 Summary Ratios from Well Fargo's 2008-2012 UBPR WELLS FARGO BANK, NA:SIOUX FALLS, SD Summary Ratios OCC Charter County: MINNEHAHA 2/312013 12/31/2012 Pretax Net Operating Income (TE) 73 145 67 135 147 4 157 1.26 6 34 00 4 0-0.13 5 Net Inc Attrib to Min Ints Avg Int-Bearing Funds to Avg Assets 77.6477.3941 T7.08 77.80 36 76.88 78.59 3637012735 79408124 35 tarnings Coverage of Net Loses 5.096 LNALS Allowance to Net Lowes DO LNALS Allowance to Total LN&LS Tot LN&LS-90+ Days Past Due NeuNon Core Fund Dep New $250M 9531289 40 1060 "A9 49 11.00 15.09 48 1296 1728 47 190230.36 27 Short Teem Non Core Funding 30,575,352 2,665,957 Number of banks in Peer Groug Source: Wels Farga Uniform Bank Perfarmance Report, httpeedr.ffiec.goupublicManagefacsimilesaipReporttype8