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)
  • Show street view No street view available for this location

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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with USAA Federal Savings Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents