PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Signal Trust Company National Association

Mendota Heights, MN · Cert 34971

FDIC

Q1 2002

$1.9MAssets
n/aLoans
n/aDeposits
$1.9MEquity

Executive Summary

  • Earnings: ROA of 0.41%, down 818 bps year over year; NIM at 5.10%.

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
n/a

NIM

5.86%Q1 ’015.10%Q1 ’02-13%

Non-interest income vs. expense

5.02%Q1 ’0113.88%Q1 ’02+272%

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets0.95%0.00%0.26%8.58%6.00%2.81%1.18%0.41%-818 bps
Return on Equityn/an/an/an/an/an/an/a0.41%n/an/a
Net Interest Marginn/an/an/a5.86%6.34%5.77%5.14%5.10%-76 bps
Efficiency Ration/an/an/a36.92%57.66%79.19%90.80%97.14%+6,022 bps
Non-Interest Burdenn/an/an/a-2.72%0.41%2.99%3.97%4.69%+741 bps
Growth
Asset Growth (YoY)0.90%0.32%0.32%2.66%3.34%4.37%4.23%0.83%-183 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a112.27%922%1048%1051%862%+74,989 bps
Equity / Assetsn/an/an/a99.95%99.95%99.95%99.24%100.00%+5 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a