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- Does the IRS Know If I Cashed Out a 401(k)?
- Surprise! Halliburton Company Pre-Announces Q1 Res...
- How Microsoft Won the Buyback Game
- What Happens to Stock Prices After Exiting Bankrup...
- Apple Inc's WWDC 2016: 3 Important Product Moves t...
- Can You Deduct a Fund's Expense Ratio?
- LinkedIn's College Student App Has Huge Profit Pot...
- This Research Report Is Horrible News for Apple
- Americans Spend Twice As Much Time on the Mobile I...
- Starbucks Corporation and Boston Beer Sink on Flat...
- Danger Lurks for These 2 High-Yield Dividend Stocks
- What Investors Might Have Missed in the Stock Mark...
- Is Big Lots a Big Buy?
- Why Microsoft, Hawaiian Holdings, and Tempur-Sealy...
- 1 Reason Wells Fargo Makes So Much Money
- Why Advanced Micro Devices, Southwestern Energy, a...
- Why Hawaiian Holdings, Inc. Stock Plummeted Today
- Facebook, Inc. Earnings: 3 Questions for Mark Zuck...
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2016
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(626)
- India to become second largest smartphone market b...
- Researchers develop a mobile app that lets visuall...
- Facebook usage over Tor surpasses one million mont...
- Free Wi-Fi content on trains and buses; this is ho...
- China ban on Apple services is a challenge for key...
- Android N Developer Preview moves beyond Nexus dev...
- Apple may be exempted from local sourcing norms fo...
- Acer Liquid Zest Plus announced with massive 5,000...
- US Justice Department withdraws NY iPhone unlockin...
- Microsoft, Google agree to withdraw regulatory com...
- Does the IRS Know If I Cashed Out a 401(k)?
- Surprise! Halliburton Company Pre-Announces Q1 Res...
- How Microsoft Won the Buyback Game
- What Happens to Stock Prices After Exiting Bankrup...
- Apple Inc's WWDC 2016: 3 Important Product Moves t...
- Can You Deduct a Fund's Expense Ratio?
- LinkedIn's College Student App Has Huge Profit Pot...
- This Research Report Is Horrible News for Apple
- Americans Spend Twice As Much Time on the Mobile I...
- Starbucks Corporation and Boston Beer Sink on Flat...
- Danger Lurks for These 2 High-Yield Dividend Stocks
- What Investors Might Have Missed in the Stock Mark...
- Is Big Lots a Big Buy?
- Why Microsoft, Hawaiian Holdings, and Tempur-Sealy...
- 1 Reason Wells Fargo Makes So Much Money
- Biogen Inc Earnings Explode Higher, Revenue Not So...
- Why Advanced Micro Devices, Southwestern Energy, a...
- Why Hawaiian Holdings, Inc. Stock Plummeted Today
- Facebook, Inc. Earnings: 3 Questions for Mark Zuck...
- BJ's Restaurants, Inc. Stock Up Big on Earnings: K...
- Better Buy: TransEnterix or Intuitive Surgical
- After Earnings, Is IBM a Buy?
- Has IPG Photonics Stock Gotten Ahead of Its Earnin...
- A Smart Strategy for Claiming Social Security At 62
- 3 Reasons Why the Apple Car May Fail
- What to Watch When Westinghouse Air Brake Technolo...
- Starbucks Corporation Earnings: 10 Reasons Results...
- Why Sarepta Therapeutics Inc. Is Bouncing Back Today
- Why Did Southwestern Energy Take Out a $1.5 Billio...
- GE Earnings: Another Quarter of Tough Conditions
- Is VR too dangerous for kids? We asked the experts
- Don’t let the kids have all the fun, ace Snapchat ...
- Use only clean energy with the flip of a switch th...
- The NHTSA is using Twitter to personally call out ...
- iPhone running low on memory? SanDisk's iXpand Fla...
- MTV Cribs is making a comeback … on Snapchat
- What’s new on Netflix and what’s leaving in May 2016
- Eizo Foris FS2735 review
- New trailer for Woody Allen's Cafe Society feature...
- Art imitating life: 7 great crime movies based on ...
- id Software responds to PC gamers' complaints abou...
- Big sound, small package: Here’s our 9 favorite so...
- Relive the horror and the glory of the top ten Gam...
- China’s National Space Administration just announc...
- Scared of zombies? Inkas’ upgraded Sentry APC will...
- Ingenious Brazilian billboards use fake sweat to a...
- Close that torrent! Here’s how to legally watch Ga...
- UCI scientists stumble upon the key to never-endin...
- Zotac teases tether-free VR gaming using a Zbox mi...
- Two weeks on the road with digital ear plugs made ...
- A swing and a miss: ten car brands that didn’t mak...
- Prince’s autopsy is complete, but official results...
- There's nothing subtle about MSI's new Aegis gamin...
- How the DMCA silences cybersecurity experts, and m...
- Trends with Benefits: Celebrating TechfestNW and n...
- Legless duck walks again with 3D printed prostheti...
- Deal alert! The Alcatel POP 7 LTE has Android 6.0 ...
- Crispy Rice Cooker lets you push a button and walk...
- Between the Streams: Game of Thrones preview, Jaso...
- Where is sensitive cloud data physically stored? M...
- DoT wing issues notification to liberalise CDMA sp...
- Soon dial mobile numbers from WhatsApp, Skype as D...
- Does the IRS Know If I Cashed Out a 401(k)?
- Surprise! Halliburton Company Pre-Announces Q1 Res...
- How Microsoft Won the Buyback Game
- What Happens to Stock Prices After Exiting Bankrup...
- Apple Inc's WWDC 2016: 3 Important Product Moves t...
- Can You Deduct a Fund's Expense Ratio?
- LinkedIn's College Student App Has Huge Profit Pot...
- This Research Report Is Horrible News for Apple
- Americans Spend Twice As Much Time on the Mobile I...
- Starbucks Corporation and Boston Beer Sink on Flat...
- Danger Lurks for These 2 High-Yield Dividend Stocks
- What Investors Might Have Missed in the Stock Mark...
- Is Big Lots a Big Buy?
- Why Microsoft, Hawaiian Holdings, and Tempur-Sealy...
- 1 Reason Wells Fargo Makes So Much Money
- Why Advanced Micro Devices, Southwestern Energy, a...
- Why Hawaiian Holdings, Inc. Stock Plummeted Today
- Facebook, Inc. Earnings: 3 Questions for Mark Zuck...
- BJ's Restaurants, Inc. Stock Up Big on Earnings: K...
- Better Buy: TransEnterix or Intuitive Surgical
- After Earnings, Is IBM a Buy?
- Has IPG Photonics Stock Gotten Ahead of Its Earnin...
- A Smart Strategy for Claiming Social Security At 62
- 3 Reasons Why the Apple Car May Fail
- What to Watch When Westinghouse Air Brake Technolo...
- Starbucks Corporation Earnings: 10 Reasons Results...
- BSNL 20GB 3G data offer for Rs 50 could help win n...
- Why Sarepta Therapeutics Inc. Is Bouncing Back Today
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Apple Watch 2 fans have a happy news here: At last, the brand has opened the box and confirmed its launch date which will be during the Worl...
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As the Zika virus continues to plague South America, two Brazilian companies have designed a small billboard sign that traps and kills the c...
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Verity Milligan tells how her evolution as a photographer has been aided by people she found on Instagram. In 2012 I moved to Birmingham and...
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Written by Amrita Dutta | Updated: April 22, 2016 6:25 pm Among Juggernauts’ first re...
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Qualcomm on Wednesday posted sales and earnings ahead of what many analysts were expecting amid strength in both its chip and licensing busi...
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BENGALURU: Global professional services company Accenture on Thursday said it opened a cyber centre here to expand its global security p...
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By: Reuters | Published:April 22, 2016 1:38 pm Google’s parent company Alphabet missed its firs...
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Great news for Motorola fans, as the next couple of months will probably belong to the US handset maker. Even though it’s one of the fe...
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By: PTI | Washington | Updated: April 22, 2016 2:04 pm The Hubble was launched into the Earth o...
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That $50 tablet Amazon introduced not too long ago is coming in several new colors starting this week. Amazon calls the Amazon Fire the comp...
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A decade ago, Wells Fargo (NYSE:WFC) was a regional bank operating for the most part West of the Mississippi River. Today, it's one of the most profitable companies in America. Case in point: Wells Fargo's earnings over the last 12 months rank it fourth among U.S.-based companies, behind only Apple, Berkshire Hathaway, and JPMorgan Chase (NYSE:JPM).
Aside from Wells Fargo's performance throughout the financial crisis, which allowed the bank to more than double in size by way of its bargain-priced acquisition of Wachovia in 2008, explaining its success is simpler than one might think. It boils down in large part to the fact that the California-based lender controls the biggest loan portfolio of any bank in America.
At the end of the first quarter of this year, Wells Fargo's balance sheet showed $947 billion in loans. That outpaced Bank of America's (NYSE:BAC) $901 billion loan portfolio, as well as JPMorgan Chase's $847 billion worth of loans to consumers and businesses.
Wells Fargo's dominance in this regard is notable when you consider that Bank of America and JPMorgan Chase are both materially bigger banks when you factor in the total size of their balance sheets. JPMorgan Chase is the biggest bank in America, with a $2.4 trillion balance sheet, while Bank of America comes in second, with $2.2 trillion of assets on its balance sheet. Wells Fargo ranks third with a total of $1.9 trillion.
It stands to reason, then, that Wells Fargo allocates a larger share of its assets to loans than its two bigger brethren do. Presently, 51% of its assets are loans. That compares to 41% at Bank of America and 35% at JPMorgan Chase.
This matters because loans are, generally speaking, the most profitable type of asset a bank can invest in. In the first three months of the year, Wells Fargo's loan portfolio yielded 4.16% compared to 3.01% for investment securities and 0.49% for money lent overnight to other banks via the Federal funds market.
The impact on Wells Fargo's profitability is undeniable. Its return on assets in the first quarter of the year was 1.21%. That's more than double Bank of America's 0.50% return on assets for the period, and it even comfortably exceeded JPMorgan Chase's 0.93%.
The point here is that, holding all else equal, banks with larger loan portfolios are more profitable than banks with smaller loan portfolios. This holds true even if the latter have bigger investment banking operations. As noted, bank analyst Dick Bove recently pointed out: "Simplistically, the more loans to common equity [a bank holds] the higher the return on equity."
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John Maxfield owns shares of Bank of America and Wells Fargo. The Motley Fool owns shares of and recommends Wells Fargo. The Motley Fool has the following options: short May 2016 $52 puts on Wells Fargo. The Motley Fool recommends Bank of America. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.
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