USAA Federal Savings Bank in San Antonio, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • USAA Federal Savings Bank in San Antonio, Texas (TX)
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USAA Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 32188
    Status: Active
    Federal Reserve ID: 619877
    Date Established: December 30, 1983
    WWW: http://www.usaa.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 7975
    FDIC's unique #: 45022
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Consumer Lending Specialization
    Date of Deposit Insurance: December 30, 1983
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 10750 Mcdermott Freeway, San Antonio, TX 78288
    County: Bexar
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): San Antonio, TX (#7240)
    Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • History of Changes
  • Corrections
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $52,181.7 mil
    Equity capital: $4,373.4 mil
    Deposits held in domestic offices: $46,613.9 mil
    Return on assets (ROA): 1.33% ($694.0 mil)
    Quarterly return on assets: 0.99% ($516.6 mil)
    Return on Equity (ROE): 15.67% ($685.2 mil)
    Quarterly return on equity: 11.66% ($509.9 mil)
    Net income: $646.9 mil
    Quarterly Net income: $127.2 mil
    Pretax return on assets: 2.04% ($1,064,506.4 mil)
    Quarterly Pretax return on assets: 1.44% ($751,416.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 2,499Total employees (full-time equivalent)
  • $52,181,685Total assets
  • $9,158,521Cash and due from depository institutions
  • $8,649,634Interest-bearing balances
  • $4,976,516Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $37,086,991Net loans & leases
  • $815,561Loan loss allowance
  • $1,039Trading account assets
  • $5,263Bank premises and fixed assets
  • $3,215Other real estate owned
  • $120,113Goodwill and other intangibles
  • $52,181,685Life insurance assets
  • $830,027All other assets
  • $47,808,317Total liabilities and capital
  • $46,613,888Total liabilities
  • $46,439,070Total deposits
  • $46,613,888Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,194,429Subordinated debt
  • $4,373,368All other liabilities
  • $4,373,368Total equity capital
  • $4,373,368Total bank equity capital
  • $275,100Perpetual preferred stock
  • $18,000Common stock
  • $947,696Surplus
  • $3,132,572Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $218,406Income earned, not collected on loans
  • $0Earning assets
  • $143,078Long-term assets (5+ years)
  • $50,714,180Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $48,807,469Volatile liabilities
  • $51,243,123Insider loans
  • $37,689,503FHLB advances
  • $52,178,371Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,363,877Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $46,344,801Restructured Loans and leases
  • $7,777Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,263,244Total interest income
  • $393,295Total interest expense
  • $1,869,949Net interest income
  • $494,486Provision for loan and lease losses
  • $1,574,007Total noninterest income
  • $0Fiduciary activities
  • $126,443Service charges on deposit accounts
  • $61,736Trading account gains & fees
  • $1,385,828Additional noninterest income
  • $1,952,852Total noninterest expense
  • $596,061Salaries and employee benefits
  • $333,935Premises and equipment expense
  • $1,022,856Additional noninterest expense
  • $996,618Pre-tax net operating income
  • $0Securities gains (losses)
  • $349,744Applicable income taxes
  • $646,874Income before extraordinary items
  • $0Extraordinary gains - net
  • $646,874Net income attributable to bank
  • $0Net charge-offs
  • $646,874Cash dividends
  • $651,497Sale, conversion, retirement of capital stock, net
  • $116,196Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.02%Net interest margin
  • 3.38%Noninterest income to earning assets
  • 4.20%Noninterest expense to earning assets
  • 1.33%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 2.04%Pretax return on assets
  • 15.67%Return on equity (ROE)
  • 12.86%Retained earnings to average equity (YTD only)
  • 1.81%Net charge-offs to loans
  • 75.90%Credit loss provision to net charge-offs
  • 2.29%Efficiency ratio
  • 55,733Assets per employee
  • 20.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 17.96%Loss allowance to loans
  • 2.15%Loss allowance to noncurrent loans
  • 373.42%Noncurrent assets plus other real estate owned to assets
  • 0.42%Noncurrent loans to loans
  • 0.58%Net loans and leases to deposits
  • 79.56%Net loans and leases to core deposits
  • 94.93%Equity capital to assets
  • 8.38%Core capital (leverage) ratio
  • 8.37%Tier 1 risk-based capital ratio
  • 11.58%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $48,807,469Average earning assets
  • $4,128,006Average equity
  • $46,515,767Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $750,544Managed Assets
  • 1Number of Accounts
  • $750,544Personal trust and agency accounts
  • $287,037Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $192,459Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $271,048Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1051Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $229,176Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 11 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045022Usaa Federal Savings Bank10750 Mcdermott Freeway, San Antonio, TX 78288December 30, 1983Full Service Brick and Mortar
    103518093Usaa Fsb - Colorado Springs10750 Mcdermott Freeway, San Antonio, TX 78288May 24, 2010Full Service Cyber
    104518094Usaa Fsb - Killeen Branch10750 Mcdermott Freeway, San Antonio, TX 78288March 08, 2010Full Service Cyber
    105518095Usaa Fsb - San Antonio West Loop10750 Mcdermott Freeway, San Antonio, TX 78288September 15, 2009Full Service Cyber
    106522107Usaa Fsb - Forum Branch10750 Mcdermott Freeway, San Antonio, TX 78288July 26, 2010Full Service Cyber
    107522108Usaa Fsb - Annapolis Branch10750 Mcdermott Freeway, San Antonio, TX 78288August 23, 2010Full Service Cyber
    108522109Usaa Fsb - Oceanside Branch10750 Mcdermott Freeway, San Antonio, TX 78288November 08, 2010Full Service Cyber
    109522110Usaa Fsb - West Point Branch10750 Mcdermott Freeway, San Antonio, TX 78288December 06, 2010Full Service Cyber
    110522111Usaa Fsb - Ft. Hood St. Branch10750 Mcdermott Freeway, San Antonio, TX 78288December 20, 2010Full Service Cyber
    111522112Usaa Fsb - Arlington Branch10750 Mcdermott Freeway, San Antonio, TX 78288March 14, 2011Full Service Cyber
    112522113Usaa Fsb - San Diego Branch10750 Mcdermott Freeway, San Antonio, TX 78288June 20, 2011Full Service Cyber

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