Firstel

Brooklyn Center, MN · Charter 63054

Q3 1996

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: Q3 1996, the quarter ended September 30, 1996, 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.

Brooklyn Center, MN · Charter 63054

Q3 1996

n/aAssets

n/aLoans

n/aShares

n/aNet Worth

Return on Assets (YTD, annualized)

n/a

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q3 1994	Q4 1994	Q1 1995	Q2 1995	Q3 1995	Q4 1995	Q2 1996	Q3 1996	YoY Δ	Trend
Earnings
Return on Assets	3.93%	3.95%	4.34%	4.48%	4.58%	4.48%	n/a	n/a	n/a
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	14.33%	15.74%	13.80%	13.96%	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	15.79%	14.70%	13.07%	12.11%	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	13.27%	14.40%	14.11%	13.39%	n/a	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.37%	0.78%	0.47%	0.51%	0.46%	0.52%	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.63%	0.60%	0.61%	0.59%	0.58%	0.59%	n/a	n/a	n/a
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	85.31%	87.38%	80.66%	82.30%	84.53%	86.39%	n/a	n/a	n/a
Liquid Assets / Assets	19.04%	16.60%	22.21%	22.24%	20.24%	16.00%	n/a	n/a	n/a