Page 1

Exhibit 13 Financial Review 34 Overview 148 4 Loans and Allowance for Credit Losses 38 Earnings Performance 165 5 Leasing Activity 57 156 Balance Sheet Analysis 166 60 Equity Securities 59 Off - Balance Sheet Arrangements 168 7 Premises , Equipment and Other Assets 60 Risk Management 169 8 Securitizations and Variable Interest Entities 88 Capital Management 174 9 Mortgage Banking Activities +4 94 Regulatory Matters 176 10 Intangible Assets 177 11 Deposits 97 Critical Accounting Policies 101 Current Accounting Developments 178 12 102 Forward - Looking Statements 33 104 Risk Factors 183 14 Controls and Procedures 119 Disclosure Controls and Procedures 119 Internal Control Over Financial Reporting Management's Report on Internal Control over Financial Reporting 119 120 Report of Independent Registered Public Accounting Firm 121 Financial Statements Consolidated Statement of Income Consolidated Statement of Comprehensive Long - Term Debt 180 13 Guarantees and Other Commitments 14 Pledged Assets and Collateral 186 15 Legal Actions 190 16 Derivatives 201 17 Fair Values of Assets and Liabilities 211 18 Preferred Stock Common Stock and Stock Plans 214 19 Revenue from Contracts with Customers 217 20 20 21 21 Employee Benefits and Other Expenses ཊུ ཌ ་ སྐྰ་ ཌ་ ཤྰ 219 225 22 Restructuring Charges 226 23 223 Income Taxes 122 Income 228 24 24 Earnings and Dividends Per Common Share 123 Consolidated Balance Sheet 229 25 Other Comprehensive Income 124 Consolidated Statement of Changes in Equity 231 26 Operating Segments 26 126 Consolidated Statement of Cash Flows 233 27 12 Parent - Only Financial Statements 127 Notes to Financial Statements 1 Summary of Significant Accounting Policies 141 2 Trading Activities 142 3 Available - for - Sale and Held - to - Maturity Debt Securities 235 28 Regulatory Capital Requirements and Other Restrictions 237 Report of Independent Registered Public Accounting Firm 241 Quarterly Financial Data 242 Glossary of Acronyms Wells Fargo & Company 33