Call reports 2004
USAA SAVINGS BANK — 2004
What USAA SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 5,803,410,000 | 6,241,794,000 | 6,575,966,000 | 7,297,156,000 |
| Total loans | 5,705,628,000 | 6,111,671,000 | 6,458,396,000 | 7,116,118,000 |
| Allowance for loan losses | 111,788,000 | 115,000,000 | 116,333,000 | 115,001,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,545,000 | 14,336,000 | 13,841,000 | 13,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,226,000 | 159,908,000 | 175,957,000 | 177,152,000 |
| Interest-bearing deposits | 129,739,000 | 152,005,000 | 168,020,000 | 169,390,000 |
| Noninterest-bearing deposits | 8,487,000 | 7,903,000 | 7,937,000 | 7,762,000 |
| Equity capital | 1,892,256,000 | 1,940,659,000 | 1,990,238,000 | 2,049,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 104,356,000 | 206,949,000 | 312,992,000 | 426,203,000 |
| Interest expense | 10,626,000 | 22,144,000 | 39,391,000 | 63,353,000 |
| Net interest income | 93,730,000 | 184,805,000 | 273,601,000 | 362,850,000 |
| Noninterest income | 60,415,000 | 129,660,000 | 201,431,000 | 279,353,000 |
| Noninterest expense | 60,161,000 | 120,578,000 | 182,763,000 | 239,196,000 |
| Provision for loan losses | 23,580,000 | 48,902,000 | 70,786,000 | 90,967,000 |
| Pretax income | 70,404,000 | 144,985,000 | 221,483,000 | 312,040,000 |
| Income tax | 24,734,000 | 50,912,000 | 77,831,000 | 109,510,000 |
| Net income | 45,670,000 | 94,073,000 | 143,652,000 | 202,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,892,256,000 | 1,940,659,000 | 1,990,238,000 | 2,049,116,000 |
| Total capital | 1,965,373,000 | 2,019,214,000 | 2,073,086,000 | 2,141,034,000 |
| Risk-weighted assets | 5,810,661,000 | 6,247,961,000 | 6,594,333,000 | 7,330,360,000 |
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