SAFE & SOUND® STAR RATINGS

Financial statement

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

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




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$65,811,560$62,866,954$58,597,476
Loans Receivable, Net39,242,12639,933,75138,250,482
Mortgage-Backed Securities6,212,4875,752,1404,991,509
Investments7,696,8785,717,9285,166,829
Deposits59,171,12456,156,02152,568,814
Borrowings000
Equity5,503,8945,380,0944,871,847
Net Interest Income604,5782,253,7962,042,898
Fee Income54,014238,307124,749
Overhead626,2282,548,4652,187,921
Net Operating Income279,5031,139,2651,109,489
Net Income179,558723,664712,805
Ratio Analysis Profitability%%%
Return on Assets *1.151.211.27
Operating Return on Assets *1.801.901.98
Return on Equity *13.0013.6814.87
Net Interest Margin *3.863.853.74
Fee Income / Assets *0.390.400.22
Overhead / Assets *4.264.253.90
Efficiency Ratio62.2762.1856.53
Asset Quality%%%
Nonperforming Assets / Assets0.680.740.63
Nonperforming Assets / Equity & Loss Reserves7.287.596.47
Loss Reserves / Nonperforming Loans153.42155.25224.72
1-4 Fam Mtg + MBS / Assets22.1522.7926.53
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.100.110.15
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets47.8550.8948.51
Capitalization%%%
Equity / Assets8.368.568.31
Tangible Capital / Tangible Assets7.908.098.04
Risk-based Capital Ratio14.5014.0913.63
Liquidity%%%
Loans / Deposits66.3271.1172.76
Non-Interest Bearing Deposits / Deposits1.381.340.82
Purchased Liabilities13.6414.0515.01

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