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Wells Fargo Bank Wisconsin, National Association

Milwaukee, WI · Cert 18694

FDIC

Q4 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2003, the quarter ended December 31, 2003, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wells Fargo Bank Wisconsin, National Association

Milwaukee, WI · Cert 18694

FDIC

Q4 2003

$2.6BAssets
$1.2BLoans
$2.3BDeposits
$193.8MEquity
Loan mix
70%RE $415.2M28%C&I $165.1M2%Consumer $13.7MQ4 2002Q4 2003
Deposit mix
80%Interest-bearing $1.8B20%Noninterest $0.5BQ4 2002Q4 2003

NIM

8.00%Q4 ’015.41%Q4 ’023.89%Q4 ’03-23%-28%

Non-interest income vs. expense

6.75%Q4 ’015.62%Q4 ’024.79%Q4 ’03-3%-19%

Executive Summary

  • Earnings: ROA of -0.21%, down 29 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 51.94% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

-0.21%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.02%-117 bps YoY

Efficiency Ratio (YTD, annualized)

102.45%+783 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets0.07%10.05%0.01%-0.11%-0.21%-29 bps
Return on Equity1.03%0.64%0.08%-1.45%-2.72%-375 bps
Net Interest Margin4.18%2.98%3.08%2.99%3.02%-117 bps
Efficiency Ratio94.61%98.78%100.38%97.51%102.45%+783 bps
Non-Interest Burden3.87%2.93%3.10%2.88%3.13%-74 bps
Growth
Asset Growth (YoY)7.27%10.77%10.37%1.10%1.24%-602 bps
Loan Growth (YoY)-18.92%1.52%7.86%-4.08%-15.34%+358 bps
Deposit Growth (YoY)10.22%13.92%14.08%5.52%3.49%-672 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.66%0.09%0.12%0.16%0.17%-49 bps
Allowance / Loans1.18%1.03%1.07%1.12%1.35%+17 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.68%14.70%14.67%15.87%15.97%+129 bps
Equity / Assets7.96%7.68%7.82%7.73%7.50%-45 bps
Liquidity & Funding
Loans / Deposits63.50%67.79%66.25%62.65%51.94%-1,155 bps
Liquid Assets / Assets25.42%17.29%13.31%12.43%14.89%-1,053 bps
CRE / Total Capitaln/an/an/an/an/an/an/a