Wells Fargo Financial National Bank

Wells Fargo Financial National Bank is headquartered in Las Vegas and is the 4^th largest bank in the state of Nevada. It is also the 185^th largest bank in the nation. It was established in 1988 and as of March of 2012, it had grown to 273 employees at 1 location. Wells Fargo Financial National Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Wells Fargo Financial National Bank FDIC Certificate # 27389 BankRate Report View Year Established 1988 Employees 273 Primary Regulator OCC Assets and Liabilities Assets $4.29 billion Loans $3.75 billion Deposits $2.27 million Equity Capital $591.11 million Loan Loss Allowance $146.43 million Unbacked Noncurrent Loans $38.18 million Historic Data - March 2011 Assets $3.51 billion Equity Capital $579.11 million Loan Loss Allowance $197.33 million Unbacked Noncurrent Loans $47.30 million Profit Margin - Quarterly Net Interest Margin 13.28% Return on Assets 5.16% Return on Equity 38.8% Interest Income $142.44 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Wells Fargo Financial National Bank had $38.18 million in non-current loans and owned real-estate with $737.54 million in equity and loan loss allowances on hand to cover it. This gives Wells Fargo Financial National Bank a Texas Ratio of 5.18% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Wells Fargo Financial National Bank decreased slightly from 6.09% as of March 31, 2011 to 5.18% as of March 31, 2012, resulting in a positive change of 15.02%.This indicates that the balance sheet and financial strength for Wells Fargo Financial National Bank has improved slightly in recent periods. Deposit Growth In the past year, Wells Fargo Financial National Bank has decreased its total deposits by $-242,000, resulting in -9.63% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Wells Fargo Financial National Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Wells Fargo Financial National Bank has $4.29 billion in assets with $737.54 million in equity, resulting in a capitalization level of 17.20%, which is excellent.

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