Wells Fargo Bank, Ltd.

Los Angeles, CA · Cert 25890

FDIC · 1 branch

Q1 2020

$835.1MAssets

n/aLoans

n/aDeposits

$801.1MEquity

Deposit mix

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2019 SOD (annual) · 0.0% share · #104 of 119 inst. · $0.0B of $568.5B

Executive Summary

Return on Assets (YTD, annualized)

0.87%+296 bps YoY

Net Interest Margin (YTD, annualized)

1.26%-45 bps YoY

Efficiency Ratio (YTD, annualized)

45.37%-7,320 bps YoY

Tier 1 Leverage Ratio

95.11%+2,230 bps YoY

Year to date, annualized, through each quarter.

Metric	Q2 2018	Q3 2018	Q4 2018	Q1 2019	Q2 2019	Q3 2019	Q4 2019	Q1 2020	YoY Δ	Trend
Earnings
Return on Assets	6.68%	6.28%	10.63%	-2.10%	0.87%	4.59%	14.06%	0.87%	+296 bps
Return on Equity	8.34%	7.81%	13.31%	-2.58%	1.06%	5.66%	16.75%	0.91%	+348 bps
Net Interest Margin	1.18%	1.19%	1.24%	1.72%	1.73%	1.57%	1.54%	1.26%	-45 bps
Efficiency Ratio	84.46%	84.77%	75.72%	118.58%	101.60%	91.15%	72.29%	45.37%	-7,320 bps
Non-Interest Burden	-7.29%	-7.02%	-11.87%	9.06%	2.50%	-3.42%	-15.45%	0.17%	-889 bps
Growth
Asset Growth (YoY)	2.48%	2.64%	5.38%	11.13%	10.61%	16.73%	-3.77%	5.47%	-567 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)	28.74%	35.05%	33.92%	8.94%	13.10%	12.03%	13.51%	-100.00%	-10,894 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	84.81%	79.31%	78.94%	72.81%	83.90%	80.23%	93.41%	95.11%	+2,230 bps
Total Risk-Based Capital	419%	355%	292%	339%	347%	256%	450%	456%	+11,651 bps
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	n/a	n/a
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