Call reports 2003
USAA SAVINGS BANK — 2003
What USAA SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 3,700,645,000 | 3,893,834,000 | 3,918,375,000 | 5,701,756,000 |
| Total loans | 3,598,864,000 | 3,744,559,000 | 3,873,442,000 | 5,651,912,000 |
| Allowance for loan losses | 77,799,000 | 78,033,000 | 81,140,000 | 110,000,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,484,000 | 22,583,000 | 18,425,000 | 17,099,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,338,000 | 94,746,000 | 103,070,000 | 111,143,000 |
| Interest-bearing deposits | 83,068,000 | 89,465,000 | 97,436,000 | 103,339,000 |
| Noninterest-bearing deposits | 5,270,000 | 5,281,000 | 5,634,000 | 7,804,000 |
| Equity capital | 470,752,000 | 501,004,000 | 532,085,000 | 1,846,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 75,338,000 | 149,298,000 | 225,777,000 | 321,029,000 |
| Interest expense | 11,285,000 | 22,015,000 | 31,788,000 | 41,675,000 |
| Net interest income | 64,053,000 | 127,283,000 | 193,989,000 | 279,354,000 |
| Noninterest income | 35,257,000 | 76,579,000 | 121,076,000 | 181,908,000 |
| Noninterest expense | 33,850,000 | 72,267,000 | 114,494,000 | 165,838,000 |
| Provision for loan losses | 18,364,000 | 37,800,000 | 58,411,000 | 79,394,000 |
| Pretax income | 47,096,000 | 93,795,000 | 142,160,000 | 216,030,000 |
| Income tax | 16,619,000 | 33,066,000 | 50,350,000 | 79,464,000 |
| Net income | 30,477,000 | 60,729,000 | 91,810,000 | 136,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 470,752,000 | 501,004,000 | 532,085,000 | 1,846,586,000 |
| Total capital | 517,128,000 | 549,445,000 | 581,653,000 | 1,918,567,000 |
| Risk-weighted assets | 3,678,627,000 | 3,845,718,000 | 3,933,842,000 | 5,720,433,000 |
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