USAA Savings Bank

USAA Savings Bank is headquartered in Las Vegas and is the 2^nd largest bank in the state of Nevada. It is also the 76^th largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 42 employees at 1 location. USAA Savings Bank's CD rates are 11% higher than the national average, and it boasts a 5-star health rating.

USAA Savings Bank CD Rates

Data for Q1 2012

Institution Statistics USAA Savings Bank FDIC Certificate # 34351 BankRate Report View Year Established 1996 Employees 42 Primary Regulator FDIC Assets and Liabilities Assets $14.75 billion Loans $13.92 billion Deposits $742.55 million Equity Capital $3.64 billion Loan Loss Allowance $454.32 million Unbacked Noncurrent Loans $116.43 million Historic Data - March 2011 Assets $13.77 billion Equity Capital $3.10 billion Loan Loss Allowance $544.42 million Unbacked Noncurrent Loans $118.56 million Profit Margin - Quarterly Net Interest Margin 7.44% Return on Assets 3.45% Return on Equity 14.46% Interest Income $296.30 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 USAA Savings Bank had $116.43 million in non-current loans and owned real-estate with $4.1 billion in equity and loan loss allowances on hand to cover it. This gives USAA Savings Bank a Texas Ratio of 2.84% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for USAA Savings Bank held steady from 3.25% as of March 31, 2011 to 2.84% as of March 31, 2012, resulting in a positive change of 12.56%.This indicates that the balance sheet and financial strength for USAA Savings Bank has held steady in recent periods. Deposit Growth In the past year, USAA Savings Bank has increased its total deposits by $31.2 million, resulting in 4.39% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth USAA Savings Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. USAA Savings Bank has $14.75 billion in assets with $4.1 billion in equity, resulting in a capitalization level of 27.78%, which is excellent.

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