Wells Fargo 2014 Annual Report Download - page 8

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Our Performance
$ in millions, except per share amounts    Change
FOR THE YEAR
WellsFargo net income
WellsFargo net income applicable to common stock
Diluted earnings per common share
Profitability ratios:
WellsFargo net income to average total assets (ROA) 1
WellsFargo net income applicable to common stock to average
WellsFargo common stockholders’ equity (ROE)
Eciency ratio 2
Total revenue
Pre-tax pre-provision profit 3
Dividends declared per common share
Average common shares outstanding
Diluted average common shares outstanding
Average loans 1
Average assets 1
Average core deposits 4
Average retail core deposits 5
Net interest margin 1
AT YEAR-END
Investment securities
Loans1
Allowance for loan losses
Goodwill
Assets 1
Core deposits 4
WellsFargo stockholders’ equity
Total equity
Tier1 capital 6
Total capital 6
Capital ratios:
Total equity to assets 1
Risk-based capital: 6
Tier1 capital
Total capital 
Tier1 leverage 6 
Common Equity Tier1 7 
Common shares outstanding
Book value per common share
Team members (active, full-time equivalent)
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 ()
 ()
 –
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 –
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 
 ()
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 
 –
1 Financial information for 2013 was revised to reflect our determination that certain factoring arrangements did not qualify as loans. See Note1 (Summary of Significant Accounting Policies)
toFinancial Statements in this Report for more information.
2 The eciency ratio is noninterest expense divided by total revenue (net interest income and noninterest income).
3 Pre-tax pre-provision profit (PTPP) is total revenue less noninterest expense. Management believes that PTPP is a useful financial measure because it enables investors and others to assess
the Company’s ability to generate capital to cover credit losses through a credit cycle.
4 Core deposits are noninterest-bearing deposits, interest-bearing checking, savings certificates, certain market rate and other savings, and certain foreign deposits (Eurodollar sweep balances).
5 Retail core deposits are total core deposits excluding Wholesale Banking core deposits and retail mortgage escrow deposits.
6 See Note 26 (Regulatory and Agency Capital Requirements) to Financial Statements in this Report for additional information.
7 See the “Financial Review – Capital Management” section in this Report for additional information.
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