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Wells Fargo Annual Report 2021

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Wells Fargo Annual Report 2021 Wells Fargo Annual Report 2021 Form 10-K (NYSE:WFC) Published: February 23rd, 2021 PDF generated by stocklight.com UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2020 Commission File Number 001-2979 WELLS FARGO & COMPANY (Exact name of registrant as specified in its charter) Delaware No. 41-0449260 (State of incorporation) (I.R.S. Employer Identification No.) 420 Montgomery Street, San Francisco, California 94104 (Address of principal executive offices) (Zip code) Registrant’s telephone number, including area code: 1-866-249-3302 Securities registered pursuant to Section 12(b) of the Act: Name of Each Exchange Title of Each Class Trading Symbol on Which Registered Common Stock, par value $1-2/3 WFC NYSE 7.5% Non-Cumulative Perpetual Convertible Class A Preferred Stock, Series L WFC.PRL NYSE Depositary Shares, each representing a 1/1000th interest in a share of Non-Cumulative Perpetual Class A Preferred Stock, Series N WFC.PRN NYSE Depositary Shares, each representing a 1/1000th interest in a share of Non-Cumulative Perpetual Class A Preferred Stock, Series O WFC.PRO NYSE Depositary Shares, each representing a 1/1000th interest in a share of Non-Cumulative Perpetual Class A Preferred Stock, Series P WFC.PRP NYSE Depositary Shares, each representing a 1/1000th interest in a share of 5.85% Fixed-to-Floating Rate Non-Cumulative Perpetual Class A Preferred Stock, Series Q WFC.PRQ NYSE Depositary Shares, each representing a 1/1000th interest in a share of 6.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Class A Preferred Stock, Series R WFC.PRR NYSE Depositary Shares, each representing a 1/1000th interest in a share of Non-Cumulative Perpetual Class A Preferred Stock, Series W WFC.PRW NYSE Depositary Shares, each representing a 1/1000th interest in a share of Non-Cumulative Perpetual Class A Preferred Stock, Series X WFC.PRX NYSE Depositary Shares, each representing a 1/1000th interest in a share of Non-Cumulative Perpetual Class A Preferred Stock, Series Y WFC.PRY NYSE Depositary Shares, each representing a 1/1000th interest in a share of Non-Cumulative Perpetual Class A Preferred Stock, Series Z WFC.PRZ NYSE Depositary Shares, each representing a 1/1000th interest in a share of Non-Cumulative Perpetual Class A Preferred Stock, Series AA WFC.PRA NYSE Depositary Shares, each representing a 1/1000th interest in a share of Non-Cumulative Perpetual Class A Preferred Stock, Series CC WFC.PRC NYSE Guarantee of 5.80% Fixed-to-Floating Rate Normal Wachovia Income Trust Securities of Wachovia Capital Trust III WFC/TP NYSE Guarantee of Medium-Term Notes, Series A, due October 30, 2028 of Wells Fargo Finance LLC WFC/28A NYSE Securities registered pursuant to Section 12(g) of the Act: Dividend Equalization Preferred Shares, no par value Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ¨ No þ Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ¨ No þ Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes þ No ¨ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes þ No ¨ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. Large accelerated filer þ Accelerated filer ☐ Non-accelerated filer ☐ Smaller reporting company ☐ Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨ Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (§ 15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☑ Indicate by check mark whether the registrant is a shell Company (as defined in Rule 12b-2 of the Act). Yes ☐ No þ At June 30, 2020, the aggregate market value of common stock held by non-affiliates was approximately $105.2 billion, based on a closing price of $25.60. At February 16, 2021, 4,134,106,677 shares of common stock were outstanding. Documents Incorporated by Reference in Form 10-K Incorporated Documents Where incorporated in Form 10-K 1. Portions of the Company’s Annual Report to Shareholders for the year ended December 31, 2020 (“2020 Annual Report to Part I – Items 1, 1A, 2 and 3; Part II – Items 5, 7, 7A, 8 and 9A; and Shareholders”) Part IV– Item 15 2. Portions of the Company’s Proxy Statement for the Annual Meeting of Shareholders to be held April 27, 2021 (“2021 Proxy Statement”) Part III – Items 10, 11, 12, 13 and 14 PART I. In 2020, we introduced a new set of expectations for everyone at the ITEM 1. BUSINESS Company. These expectations guide how we lead ourselves, collaborate with our colleagues, and make decisions. The following expectations apply to Wells Fargo & Company is a corporation organized under the laws of Delaware everyone at Wells Fargo, at every level, and in every role: and a financial holding company and a bank holding company registered under • Embrace candor the Bank Holding Company Act of 1956, as amended (BHC Act). Its principal • Do what’s right business is to act as a holding company for its subsidiaries. References in this • Be great at execution report to “the Parent” mean the holding company. References to “we,” “our,” • Learn and grow “us” or “the Company” mean the holding company and its subsidiaries that are • Champion diversity and inclusion consolidated for financial reporting purposes. • Build high-performing teams (for managers) At December 31, 2020, we had assets of approximately $1.9 trillion, loans of $887.6 billion, deposits of $1.4 trillion and stockholders’ equity of $185 billion. At December 31, 2020, we had an active employee headcount of 268,531, Based on assets, we were the fourth largest bank holding company in the with approximately 88% of employees based in the United States. Our global United States. At December 31, 2020, Wells Fargo Bank, N.A. was the workforce was 54% female and 46% male, and our U.S. workforce was 56% Company’s principal subsidiary with assets of $1.8 trillion, or 90% of the female and 44% male. Our U.S. workforce was 55% Caucasian/white and 45% Company’s assets. racially/ethnically diverse. Our annual reports on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and amendments to those reports, are available for free at www.wellsfargo.com/about/investor-relations/filings as soon as reasonably Supporting Employees During the COVID-19 Pandemic. In response to the practicable after they are electronically filed with or furnished to the Securities COVID-19 pandemic, we expanded work-from-home capabilities wherever and Exchange Commission (SEC). They are also available for free on the possible, and enabled approximately 200,000 employees to work from home. SEC’s website at www.sec.gov1. For jobs that could not be done remotely, we took significant actions to enhance safety, including implementing social distancing measures, requiring employees to wear facial coverings, staggering staff and shifts, and enhancing DESCRIPTION OF BUSINESS cleaning protocols in accordance with guidance from the U.S. Centers for General Disease Control and Prevention. We adjusted our child care benefits in the We are a leading financial services company that provides a diversified set of U.S. and Canada to provide additional resources and flexibility for employees banking, investment and mortgage products and services, as well as consumer impacted by school closures. We also enhanced our health care and time-off and commercial finance, through banking locations and offices, the internet benefits in the U.S. to help fully cover the medical costs associated with (www.wellsfargo.com) and other distribution channels to individuals, COVID-19 and allow high-risk, exposed, or infected employees to stay home businesses and institutions in all 50 states, the District of Columbia and in without having to take paid time off. At more than 50 of our largest U.S. sites, countries outside the U.S. We provide consumer financial products and we launched a temporary on-site nursing service to screen for COVID-19 services including checking and savings accounts, credit and debit cards, and symptoms and refer individuals for testing. We also took a number of actions to auto, mortgage and home equity, and small business lending.
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