Wells Fargo 2005 Annual Report Download - page 35

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Financial Review
34 Overview
38 Critical Accounting Policies
41 Earnings Performance
41 Net Interest Income
44 Noninterest Income
45 Noninterest Expense
45 Income Tax Expense
45 Operating Segment Results
46 Balance Sheet Analysis
46 Securities Available for Sale
(table on page 71)
46 Loan Portfolio (table on page 73)
46 Deposits
47 Off-Balance Sheet Arrangements and
Aggregate Contractual Obligations
47 Off-Balance Sheet Arrangements,
Variable Interest Entities, Guarantees
and Other Commitments
48 Contractual Obligations
48 Transactions with Related Parties
49 Risk Management
49 Credit Risk Management Process
49 Nonaccrual Loans and Other Assets
50 Loans 90 Days or More Past Due
and Still Accruing
51 Allowance for Credit Losses
(table on page 75)
52 Asset/Liability and
Market Risk Management
52 Interest Rate Risk
52 Mortgage Banking Interest Rate Risk
54 Market Risk – Trading Activities
54 Market Risk – Equity Markets
54 Liquidity and Funding
56 Capital Management
57 Comparison of 2004 with 2003
Controls and Procedures
58 Disclosure Controls and Procedures
58 Internal Control over Financial Reporting
58 Management’s Report on Internal Control
over Financial Reporting
59 Report of Independent Registered Public
Accounting Firm
Financial Statements
60 Consolidated Statement of Income
61 Consolidated Balance Sheet
62 Consolidated Statement of
Changes in Stockholders’ Equity
and Comprehensive Income
63 Consolidated Statement of Cash Flows
64 Notes to Financial Statements
112 Report of Independent Registered
Public Accounting Firm
113 Quarterly Financial Data
115 Glossary
33