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SAFE & SOUND® STAR RATINGS

USAA FEDERAL SAVINGS BANK


SAN ANTONIO, Texas 78288

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 619877




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$75,057,788$71,130,930$67,301,894
Loans Receivable, Net44,791,17845,990,19143,753,851
Mortgage-Backed Securities9,004,5797,717,5327,354,068
Investments7,889,3838,310,7168,801,719
Deposits67,257,79563,451,10459,950,323
Borrowings000
Equity6,470,3466,302,4545,888,176
Net Interest Income775,4802,893,3002,604,523
Fee Income21,393247,937214,227
Overhead818,3273,113,0272,789,878
Net Operating Income303,5131,067,2261,162,941
Net Income193,272674,949743,539
Ratio Analysis Profitability%%%
Return on Assets *0.961.001.16
Operating Return on Assets *1.521.571.82
Return on Equity *10.5010.8713.03
Net Interest Margin *4.414.364.12
Fee Income / Assets *0.320.370.34
Overhead / Assets *4.724.594.37
Efficiency Ratio63.3165.2463.20
Asset Quality%%%
Nonperforming Assets / Assets0.570.610.67
Nonperforming Assets / Equity & Loss Reserves5.966.206.85
Loss Reserves / Nonperforming Loans178.44172.77155.54
1-4 Fam Mtg + MBS / Assets22.2022.8724.36
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.050.060.08
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets50.4153.6052.49
Capitalization%%%
Equity / Assets8.628.868.75
Tangible Capital / Tangible Assets8.138.338.27
Risk-based Capital Ratio14.7114.4514.23
Liquidity%%%
Loans / Deposits66.6072.4872.98
Non-Interest Bearing Deposits / Deposits1.371.121.12
Purchased Liabilities11.9112.0112.55

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