SAFE & SOUND® STAR RATINGS

Financial statement

USAA FEDERAL SAVINGS BANK

SAN ANTONIO, Texas 78288

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 619877




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$66,179,617$62,866,954$58,597,476
Loans Receivable, Net42,618,14939,933,75138,250,482
Mortgage-Backed Securities7,513,7085,752,1404,991,509
Investments8,813,5395,717,9285,166,829
Deposits58,802,16156,156,02152,568,814
Borrowings000
Equity5,785,0075,380,0944,871,847
Net Interest Income1,910,4312,253,7962,042,898
Fee Income164,832238,307124,749
Overhead2,024,9612,548,4652,187,921
Net Operating Income893,0661,139,2651,109,489
Net Income582,125723,664712,805
Ratio Analysis Profitability%%%
Return on Assets *1.091.211.27
Operating Return on Assets *1.671.901.98
Return on Equity *12.3813.6814.87
Net Interest Margin *4.163.853.74
Fee Income / Assets *0.360.400.22
Overhead / Assets *4.444.253.90
Efficiency Ratio62.1362.1856.53
Asset Quality%%%
Nonperforming Assets / Assets0.680.740.63
Nonperforming Assets / Equity & Loss Reserves6.907.596.47
Loss Reserves / Nonperforming Loans158.36155.25224.72
1-4 Fam Mtg + MBS / Assets25.2722.7926.53
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.080.110.15
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets51.4350.8948.51
Capitalization%%%
Equity / Assets8.748.568.31
Tangible Capital / Tangible Assets8.268.098.04
Risk-based Capital Ratio14.1514.0913.63
Liquidity%%%
Loans / Deposits72.4871.1172.76
Non-Interest Bearing Deposits / Deposits1.651.340.82
Purchased Liabilities13.1314.0515.01

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