Regulatory Capital Requirements and Other Restrictions (Tables)

9 Months Ended

Sep. 30, 2022

Regulatory Capital Requirements and Other Restrictions [Abstract]

Regulatory Capital Information

Table 23.1 presents regulatory capital information for Wells Fargo & Company and the Bank in accordance with Basel III capital requirements. We must calculate our risk-based capital

ratios under both the Standardized and Advanced Approaches. The Standardized Approach applies assigned risk weights to broad risk categories, while the calculation of risk-weighted assets (RWAs) under the Advanced Approach differs by requiring applicable banks to utilize a risk-sensitive methodology, which relies upon the use of internal credit models, and includes an operational risk component.

At September 30, 2022, the Bank and our other insured depository institutions were considered well-capitalized under the requirements of the Federal Deposit Insurance Act.

Table 23.1: Regulatory Capital Information

	Wells Fargo & Company								Wells Fargo Bank, N.A.
	Standardized Approach						Advanced Approach		Standardized Approach			Advanced Approach
(in millions, except ratios)	September 30, 2022				December 31, 2021		September 30, 2022	December 31, 2021	September 30, 2022		December 31, 2021	September 30, 2022	December 31, 2021
Regulatory capital:
Common Equity Tier 1	$	129,758			140,643		129,758	140,643	137,609		149,318	137,609	149,318
Tier 1	148,810				159,671		148,810	159,671	137,609		149,318	137,609	149,318
Total	182,690				196,308		173,520	186,580	160,488		173,044	151,250	163,213
Assets:
Risk-weighted assets	1,255,641				1,239,026		1,104,116	1,116,068	1,175,426		1,137,839	971,152	965,511
Adjusted average assets	1,852,392				1,915,585		1,852,392	1,915,585	1,693,679		1,758,479	1,693,679	1,758,479
Regulatory capital ratios:
Common Equity Tier 1 capital	10.33		%	*	11.35		11.75	12.60	11.71	*	13.12	14.17	15.47
Tier 1 capital	11.85			*	12.89		13.48	14.31	11.71	*	13.12	14.17	15.47
Total capital	14.55			*	15.84		15.72	16.72	13.65	*	15.21	15.57	16.90
Required minimum capital ratios:
Common Equity Tier 1 capital	9.10				9.60		8.50	9.00	7.00		7.00	7.00	7.00
Tier 1 capital	10.60				11.10		10.00	10.50	8.50		8.50	8.50	8.50
Total capital	12.60				13.10		12.00	12.50	10.50		10.50	10.50	10.50
	Wells Fargo & Company								Wells Fargo Bank, N.A.
	September 30, 2022						December 31, 2021		September 30, 2022			December 31, 2021
Regulatory leverage:
Total leverage exposure (1)	$	2,236,647					2,316,079		2,072,151			2,133,798
Supplementary leverage ratio (SLR) (1)	6.65					%	6.89		6.64			7.00
Tier 1 leverage ratio (2)	8.03						8.34		8.12			8.49
Required minimum leverage:
Supplementary leverage ratio	5.00						5.00		6.00			6.00
Tier 1 leverage ratio	4.00						4.00		4.00			4.00

*Denotes the binding ratio under the Standardized and Advanced Approaches at September 30, 2022.

(1)The SLR consists of tier 1 capital divided by total leverage exposure. Total leverage exposure consists of total average assets, less goodwill and other permitted tier 1 capital deductions (net of deferred tax liabilities), plus certain off-balance sheet exposures.

(2)The tier 1 leverage ratio consists of tier 1 capital divided by total average assets, excluding goodwill and certain other items as determined under the rule.

Nature of Restrictions on Cash and Cash Equivalents

Table 23.2 provides a summary of restrictions on cash and cash equivalents.

Table 23.2: Nature of Restrictions on Cash and Cash Equivalents

(in millions)	Sep 30, 2022		Dec 31, 2021
Reserve balance for non-U.S. central banks	$	237	382
Segregated for benefit of brokerage customers under federal and other brokerage regulations	809		830