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MRS. Tuckers Jacksonville

Jacksonville, IL · Charter 10064

Q2 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2008, the quarter ended June 30, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

MRS. Tuckers Jacksonville

Jacksonville, IL · Charter 10064

Q2 2008

$448KAssets
$221KLoans
$348KShares
$100KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.14%, up 107 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (-623 bps YoY).
  • Capital: net worth / assets of 22.31%, up 451 bps from a year ago.
  • Funding: loans stand at 63.44% of shares as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

1.14%+107 bps YoY

Net Interest Margin (YTD, annualized)

3.11%-91 bps YoY

Efficiency Ratio (YTD, annualized)

137.87%+3,962 bps YoY

Net Worth / Assets

22.31%+451 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets0.07%0.26%0.45%8.84%1.14%+107 bps
Return on Equity0.40%1.34%1.95%35.90%5.10%+470 bps
Net Interest Margin4.02%4.36%5.15%4.30%3.11%-91 bps
Efficiency Ratio98.24%94.16%102.32%108.64%137.87%+3,962 bps
Growth
Asset Growth (YoY)-3.88%-11.68%-16.47%-21.28%-16.68%-1,280 bps
Loan Growth (YoY)-6.48%-10.58%-15.02%-20.81%-33.16%-2,668 bps
Share Growth (YoY)-5.06%-14.30%-28.18%-28.35%-21.15%-1,610 bps
Asset Quality
Delinquent Loans / Loans6.23%10.39%6.97%0.43%0.00%-623 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.97%2.32%1.81%1.87%0.69%-128 bps
Capital
Risk-Based Capital17.80%19.26%23.17%24.63%22.31%+451 bps
Net Worth / Assets17.80%19.26%23.17%24.63%22.31%+451 bps
Liquidity & Funding
Loans / Shares74.84%77.26%99.52%75.28%63.44%-1,140 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps