SAFE & SOUND® STAR RATINGS

Financial statement

USAA FEDERAL SAVINGS BANK
10750 MCDERMOTT FWY
SAN ANTONIO, Texas 78288

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 619877




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$62,866,954$58,597,476$52,181,685
Loans Receivable, Net39,933,75138,250,48237,212,668
Mortgage-Backed Securities5,752,1404,991,509468,123
Investments5,717,9285,166,8294,511,039
Deposits56,156,02152,568,81446,577,243
Borrowings000
Equity5,380,0944,871,8474,373,368
Net Interest Income2,253,7962,042,8981,869,949
Fee Income238,307124,7491,400,004
Overhead2,548,4652,187,9211,952,852
Net Operating Income1,139,2651,109,489996,618
Net Income723,664712,805127,238
Ratio Analysis Profitability%%%
Return on Assets *1.211.271.37
Operating Return on Assets *1.901.982.11
Return on Equity *13.6814.8715.40
Net Interest Margin *3.853.743.94
Fee Income / Assets *0.400.222.68
Overhead / Assets *4.253.904.12
Efficiency Ratio62.1856.535804.00
Asset Quality%%%
Nonperforming Assets / Assets0.740.630.42
Nonperforming Assets / Equity & Loss Reserves7.596.474.27
Loss Reserves / Nonperforming Loans155.25224.722.19
1-4 Fam Mtg + MBS / Assets22.7926.5322.56
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.110.150.19
Commercial & Industrial Loans / Assets0.000.000.01
Consumer Loans / Assets50.8948.5150.77
Capitalization%%%
Equity / Assets8.568.318.38
Tangible Capital / Tangible Assets8.098.048.17
Risk-based Capital Ratio14.0913.6312.84
Liquidity%%%
Loans / Deposits71.1172.7679.89
Non-Interest Bearing Deposits / Deposits1.340.82n/a
Purchased Liabilities14.0515.0112.70

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