Signal Trust Company National Association

Mendota Heights, MN · Cert 34971

FDIC

Q1 2002

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: Q1 2002, the quarter ended March 31, 2002, on both parts.

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

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Mendota Heights, MN · Cert 34971

FDIC

Q1 2002

$1.9MAssets

n/aLoans

n/aDeposits

$1.9MEquity

Return on Assets (YTD, annualized)

0.41%-818 bps YoY

Net Interest Margin (YTD, annualized)

5.10%-76 bps YoY

Efficiency Ratio (YTD, annualized)

97.14%+6,022 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 2001	Q2 2001	Q3 2001	Q4 2001	Q1 2002	YoY Δ	Trend
Earnings
Return on Assets	8.58%	6.00%	2.81%	1.18%	0.41%	-818 bps
Return on Equity	n/a	n/a	n/a	n/a	0.41%	n/a	n/a
Net Interest Margin	5.86%	6.34%	5.77%	5.14%	5.10%	-76 bps
Efficiency Ratio	36.92%	57.66%	79.19%	90.80%	97.14%	+6,022 bps
Non-Interest Burden	-2.72%	0.41%	2.99%	3.97%	4.69%	+741 bps
Growth
Asset Growth (YoY)	2.66%	3.34%	4.37%	4.23%	0.83%	-183 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	112.27%	922%	1048%	1051%	862%	+74,989 bps
Equity / Assets	99.95%	99.95%	99.95%	99.24%	100.00%	+5 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a