SAFE & SOUND® STAR RATINGS

Financial statement

USAA FEDERAL SAVINGS BANK

SAN ANTONIO, Texas 78288

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 619877




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$65,978,419$62,866,954$58,597,476
Loans Receivable, Net41,527,31439,933,75138,250,482
Mortgage-Backed Securities7,245,1315,752,1404,991,509
Investments8,763,4195,717,9285,166,829
Deposits58,994,30856,156,02152,568,814
Borrowings000
Equity5,651,3425,380,0944,871,847
Net Interest Income1,238,7922,253,7962,042,898
Fee Income91,161238,307124,749
Overhead1,298,0672,548,4652,187,921
Net Operating Income596,2621,139,2651,109,489
Net Income388,980723,664712,805
Ratio Analysis Profitability%%%
Return on Assets *1.071.211.27
Operating Return on Assets *1.661.901.98
Return on Equity *12.1713.6814.87
Net Interest Margin *3.953.853.74
Fee Income / Assets *0.320.400.22
Overhead / Assets *4.304.253.90
Efficiency Ratio61.1562.1856.53
Asset Quality%%%
Nonperforming Assets / Assets0.660.740.63
Nonperforming Assets / Equity & Loss Reserves6.817.596.47
Loss Reserves / Nonperforming Loans163.74155.25224.72
1-4 Fam Mtg + MBS / Assets25.2222.7926.53
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.090.110.15
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets49.6650.8948.51
Capitalization%%%
Equity / Assets8.578.568.31
Tangible Capital / Tangible Assets8.138.098.04
Risk-based Capital Ratio14.2314.0913.63
Liquidity%%%
Loans / Deposits70.3971.1172.76
Non-Interest Bearing Deposits / Deposits1.571.340.82
Purchased Liabilities13.2214.0515.01

* Calculations are based on the latest four quarters of income and expense.
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