$WFC RESULTS: Q4 Net interest income $11.84B, EST $11.7B Revenue $20.38B, EST $20.59B Commercial banking revenue $3.17B Corporate and investment banking revenue $4.61B Wealth & investment management total revenue $3.96B EPS $1.43 Total average loans $906.4B Efficiency ratio 68%, EST 64.9% Mortgage banking non-interest income $294M, EST $278.3M Net interest margin 2.7%, EST 2.67% Total avg. deposits $1.35 trillion, EST $1.35 trillion Return on assets 1.05% Return on equity 11.7%, EST 11% Common equity Tier 1 ratio 11.1%, EST 11.2% Non-interest expenses $13.90B, EST $13.29B Return on tangible common equity 13.9%, EST 13% Consumer banking and lending total revenue $8.98B Provision for credit losses $1.10B, EST $1.22B Personnel expenses $9.07B, EST $8.66B