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National Motors Bank FSB, Performance and Condition Ratios
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 7,747 |
| Cost of funding earning assets | 3.6666% | 297 |
| Net interest margin | 1.4582% | 8,188 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 5.7914% | 445 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -4.3963% | 8,042 |
| Return on assets (ROA) | -3.2693% | 7,862 |
| Pretax return on assets | -3.2667% | 7,777 |
| Return on Equity (ROE) | -42.8962% | 8,102 |
| Retained earnings to average equity (ytd only) | -42.8962% | 8,075 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 414.3636% | 65 |
| Assets per employee ($millions) | 3.8675% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 8,313 |
| Equity capital to assets | 96.4835% | 3 |
| Core capital (leverage) ratio | 96.4835% | 6 |
| Tier 1 risk-based capital ratio | 471.7446% | 6 |
| Total risk-based capital ratio | 471.7446% | 6 |
| Memoranda: | ||
| Average total assets | $157,405,200 | 3,767 |
| Average earning assets | $150,875,000 | 3,636 |
| Average equity | $11,996,400 | 4,825 |
| Average total loans | NA | NA |