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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 March 31, 2015
Federal Reserve System Identifier 619877




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$70,236,783$67,301,894$62,866,954
Loans Receivable, Net43,346,32843,753,85139,933,751
Mortgage-Backed Securities7,169,3087,354,0685,752,140
Investments8,717,3848,801,7195,717,928
Deposits62,995,31859,950,32356,156,021
Borrowings000
Equity6,044,2755,888,1765,380,094
Net Interest Income697,4342,604,5232,253,796
Fee Income49,431214,227238,307
Overhead690,2422,789,8782,548,465
Net Operating Income322,7721,162,9411,139,265
Net Income205,066743,539723,664
Ratio Analysis Profitability%%%
Return on Assets *1.191.161.21
Operating Return on Assets *1.861.821.90
Return on Equity *13.1613.0313.68
Net Interest Margin *4.254.123.85
Fee Income / Assets *0.320.340.40
Overhead / Assets *4.404.374.25
Efficiency Ratio60.1463.2062.18
Asset Quality%%%
Nonperforming Assets / Assets0.630.670.74
Nonperforming Assets / Equity & Loss Reserves6.546.857.59
Loss Reserves / Nonperforming Loans160.21155.54155.25
1-4 Fam Mtg + MBS / Assets22.9824.3622.79
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.070.080.11
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets49.8452.4950.89
Capitalization%%%
Equity / Assets8.618.758.56
Tangible Capital / Tangible Assets8.148.278.09
Risk-based Capital Ratio14.5214.2314.09
Liquidity%%%
Loans / Deposits68.8172.9871.11
Non-Interest Bearing Deposits / Deposits1.261.121.34
Purchased Liabilities12.3112.5514.05

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