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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 September 30, 2015
Federal Reserve System Identifier 619877




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$70,038,840$67,301,894$62,866,954
Loans Receivable, Net45,018,09843,753,85139,933,751
Mortgage-Backed Securities7,233,2827,354,0685,752,140
Investments8,468,3908,801,7195,717,928
Deposits62,514,27859,950,32356,156,021
Borrowings000
Equity6,319,2135,888,1765,380,094
Net Interest Income2,140,8932,604,5232,253,796
Fee Income171,293214,227238,307
Overhead2,216,8742,789,8782,548,465
Net Operating Income937,3001,162,9411,139,265
Net Income601,953743,539723,664
Ratio Analysis Profitability%%%
Return on Assets *1.141.161.21
Operating Return on Assets *1.811.821.90
Return on Equity *12.5113.0313.68
Net Interest Margin *4.344.123.85
Fee Income / Assets *0.330.340.40
Overhead / Assets *4.474.374.25
Efficiency Ratio62.4663.2062.18
Asset Quality%%%
Nonperforming Assets / Assets0.610.670.74
Nonperforming Assets / Equity & Loss Reserves6.086.857.59
Loss Reserves / Nonperforming Loans166.53155.54155.25
1-4 Fam Mtg + MBS / Assets22.5324.3622.79
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.060.080.11
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets52.9952.4950.89
Capitalization%%%
Equity / Assets9.028.758.56
Tangible Capital / Tangible Assets8.528.278.09
Risk-based Capital Ratio14.5314.2314.09
Liquidity%%%
Loans / Deposits72.0172.9871.11
Non-Interest Bearing Deposits / Deposits1.441.121.34
Purchased Liabilities12.1312.5514.05

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