Wells Fargo Bank Grand Junction-Downtown, National Association

Grand Junction, CO · Cert 12863

FDIC

Q4 2008

$3.2MAssets

n/aLoans

$500KDeposits

$2.6MEquity

Deposit mix

Executive Summary

Return on Assets (quarter, annualized)

-1.11%-222 bps YoY

Net Interest Margin (quarter, annualized)

0.00%-381 bps YoY

Efficiency Ratio (quarter, annualized)

128.57%+7,373 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q1 2007	Q2 2007	Q3 2007	Q4 2007	Q1 2008	Q2 2008	Q3 2008	Q4 2008	YoY Δ	Trend
Earnings
Return on Assets	2.00%	1.99%	1.86%	1.11%	0.37%	-0.12%	-0.12%	-1.11%	-222 bps
Return on Equity	2.51%	2.50%	2.33%	1.39%	0.46%	-0.15%	-0.15%	-1.39%	-278 bps
Net Interest Margin	4.50%	4.47%	4.32%	3.81%	2.47%	1.60%	1.11%	0.00%	-381 bps
Efficiency Ratio	33.33%	30.56%	34.29%	54.84%	80.00%	107.69%	122.22%	128.57%	+7,373 bps
Non-Interest Burden	1.50%	1.37%	1.48%	2.09%	1.98%	1.73%	1.35%	1.60%	-49 bps
Growth
Asset Growth (YoY)	1.91%	1.96%	1.98%	1.62%	1.12%	0.65%	0.18%	-0.46%	-208 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	405%	406%	405%	406%	407%	407%	406%	406%	+66 bps
Equity / Assets	79.58%	79.68%	79.65%	79.61%	80.02%	79.97%	79.82%	79.73%	+12 bps
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a