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American National Bank of Rock Springs

Rock Springs, WY · Cert 24334

FDIC · 3 branches

Q3 2021

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 2021, the quarter ended September 30, 2021, 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: FFIEC Call Report (031/041/051), 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

American National Bank of Rock Springs

Rock Springs, WY · Cert 24334

FDIC · 3 branches

Q3 2021

$449.6MAssets
$266.4MLoans
$403.1MDeposits
$43.9MEquity
Loan mix
66%RE $149.1M29%C&I $64.2M5%Consumer $12.0MQ3 2020Q3 2021
Deposit mix
88%Interest-bearing $355.1M12%Noninterest $48.0MQ3 2020Q3 2021

NIM

4.76%Q3 ’193.41%Q3 ’203.00%Q3 ’21-28%-4%

Non-interest income vs. expense

2.30%Q3 ’191.87%Q3 ’201.94%Q3 ’21-25%-2%

Executive Summary

  • Earnings: ROA of 1.11%, up 98 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.02% of loans (-3 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 9.57%, up 11 bps from a year ago.
  • Funding: loans stand at 66.09% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

1.11%+98 bps YoY

Net Interest Margin (YTD, annualized)

2.83%-12 bps YoY

Efficiency Ratio (YTD, annualized)

58.38%+281 bps YoY

Tier 1 Leverage Ratio

9.57%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.13%0.28%1.32%1.20%1.11%+98 bps
Return on Equity1.16%2.57%13.33%11.98%11.18%+1,002 bps
Net Interest Margin2.95%2.91%2.97%2.97%2.83%-12 bps
Efficiency Ratio55.57%56.29%52.94%56.25%58.38%+281 bps
Non-Interest Burden1.46%1.45%1.25%1.40%1.43%-2 bps
Growth
Asset Growth (YoY)26.90%29.33%34.27%9.35%9.45%-1,744 bps
Loan Growth (YoY)14.18%10.94%11.10%-3.03%1.34%-1,284 bps
Deposit Growth (YoY)29.98%32.47%38.09%9.37%9.23%-2,075 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.04%0.02%0.03%0.02%-3 bps
Net Charge-Offs / Loans0.68%0.65%0.20%0.20%0.19%-49 bps
Allowance / Loans2.05%2.15%2.02%2.03%2.00%-5 bps
Allowance Coverage of NPLs37.2x57.0x81.8x81.0x96.9x+59.7x
Capital
Tier 1 Leverage Ratio9.46%9.26%9.54%9.91%9.57%+11 bps
Total Risk-Based Capital16.69%16.50%16.60%16.67%16.73%+4 bps
Equity / Assets9.76%10.00%9.79%10.26%9.76%0 bps
Liquidity & Funding
Loans / Deposits71.23%73.03%71.49%71.51%66.09%-514 bps
Liquid Assets / Assets26.98%27.08%28.50%28.60%33.27%+629 bps
CRE / Total Capitaln/an/an/an/an/an/an/a