Call reports 2005
USAA SAVINGS BANK — 2005
What USAA SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 6,984,553,000 | 7,567,523,000 | 6,061,446,000 | 7,099,570,000 |
| Total loans | 6,954,723,000 | 7,539,000,000 | 5,968,763,000 | 6,877,491,000 |
| Allowance for loan losses | 115,947,000 | 118,038,000 | 95,886,000 | 95,157,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,464,000 | 12,857,000 | 13,550,000 | 13,592,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,190,000 | 230,200,000 | 260,751,000 | 264,123,000 |
| Interest-bearing deposits | 181,938,000 | 221,976,000 | 251,554,000 | 256,085,000 |
| Noninterest-bearing deposits | 8,252,000 | 8,224,000 | 9,197,000 | 8,038,000 |
| Equity capital | 2,097,291,000 | 2,144,735,000 | 2,198,195,000 | 2,239,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 122,152,000 | 249,909,000 | 376,112,000 | 489,017,000 |
| Interest expense | 30,270,000 | 67,642,000 | 109,225,000 | 150,890,000 |
| Net interest income | 91,882,000 | 182,267,000 | 266,887,000 | 338,127,000 |
| Noninterest income | 69,616,000 | 153,067,000 | 235,190,000 | 332,847,000 |
| Noninterest expense | 64,355,000 | 136,670,000 | 215,645,000 | 293,240,000 |
| Provision for loan losses | 22,599,000 | 50,835,000 | 53,208,000 | 84,187,000 |
| Pretax income | 74,544,000 | 147,829,000 | 233,224,000 | 293,547,000 |
| Income tax | 26,369,000 | 52,210,000 | 84,145,000 | 102,854,000 |
| Net income | 48,175,000 | 95,619,000 | 149,079,000 | 190,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,097,291,000 | 2,144,735,000 | 2,198,195,000 | 2,239,809,000 |
| Total capital | 2,185,251,000 | 2,240,042,000 | 2,276,741,000 | 2,330,010,000 |
| Risk-weighted assets | 7,008,773,000 | 7,601,856,000 | 6,266,301,000 | 7,211,160,000 |