PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Wells Fargo Alaska Trust Company, National Association

Anchorage, AK · Cert 57755

FDIC

Q3 2010

$6.5MAssets
n/aLoans
n/aDeposits
$5.7MEquity

Executive Summary

  • Earnings: ROA of 12.33%, down 58 bps year over year; NIM at 0.32%.

Return on Assets (quarter, annualized)

12.33%-58 bps YoY

Net Interest Margin (quarter, annualized)

0.32%+16 bps YoY

Efficiency Ratio (quarter, annualized)

40.90%-326 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.47%Q3 ’080.16%Q3 ’090.32%Q3 ’10-89%+104%

Non-interest income vs. expense

18.05%Q3 ’0816.29%Q3 ’0913.38%Q3 ’10+28%+7%

Discrete quarter, annualized.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets13.19%9.61%12.38%12.90%11.97%12.64%14.37%12.33%-58 bps
Return on Equity13.99%10.08%12.86%13.67%12.91%13.79%15.89%13.88%+21 bps
Net Interest Margin0.43%0.25%0.25%0.16%0.29%0.28%0.14%0.32%+16 bps
Efficiency Ratio44.74%54.86%46.83%44.16%45.18%43.41%39.45%40.90%-326 bps
Non-Interest Burden-19.36%-14.62%-19.16%-20.44%-17.94%-19.48%-22.39%-19.02%+143 bps
Growth
Asset Growth (YoY)24.66%16.20%18.22%15.38%15.03%21.64%22.59%22.06%+669 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital472%489%481%469%463%458%451%442%-2,676 bps
Equity / Assets93.59%97.20%95.44%93.40%92.08%91.29%89.61%88.12%-528 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a