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SAFE & SOUND® STAR RATINGS

USAA FEDERAL SAVINGS BANK


SAN ANTONIO, Texas 78288

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 619877




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$67,301,894$62,866,954$58,597,476
Loans Receivable, Net43,753,85139,933,75138,250,482
Mortgage-Backed Securities7,354,0685,752,1404,991,509
Investments8,801,7195,717,9285,166,829
Deposits59,950,32356,156,02152,568,814
Borrowings000
Equity5,888,1765,380,0944,871,847
Net Interest Income2,604,5232,253,7962,042,898
Fee Income214,227238,307124,749
Overhead2,789,8782,548,4652,187,921
Net Operating Income1,162,9411,139,2651,109,489
Net Income743,539723,664712,805
Ratio Analysis Profitability%%%
Return on Assets *1.161.211.27
Operating Return on Assets *1.821.901.98
Return on Equity *13.0313.6814.87
Net Interest Margin *4.123.853.74
Fee Income / Assets *0.340.400.22
Overhead / Assets *4.374.253.90
Efficiency Ratio63.2062.1856.53
Asset Quality%%%
Nonperforming Assets / Assets0.670.740.63
Nonperforming Assets / Equity & Loss Reserves6.857.596.47
Loss Reserves / Nonperforming Loans155.54155.25224.72
1-4 Fam Mtg + MBS / Assets24.3622.7926.53
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.080.110.15
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets52.4950.8948.51
Capitalization%%%
Equity / Assets8.758.568.31
Tangible Capital / Tangible Assets8.278.098.04
Risk-based Capital Ratio14.2314.0913.63
Liquidity%%%
Loans / Deposits72.9871.1172.76
Non-Interest Bearing Deposits / Deposits1.121.340.82
Purchased Liabilities12.5514.0515.01

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