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American State Bank & Trust Company, National Association

Great Bend, KS · Cert 57144

FDIC · 17 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 State Bank & Trust Company, National Association

Great Bend, KS · Cert 57144

FDIC · 17 branches

Q3 2021

$788.5MAssets
$452.7MLoans
$659.1MDeposits
$98.4MEquity
Loan mix
70%RE $187.5M23%C&I $62.4M6%Consumer $16.5MQ3 2020Q3 2021
Deposit mix
75%Interest-bearing $497.1M25%Noninterest $162.0MQ3 2020Q3 2021

NIM

4.16%Q3 ’193.20%Q3 ’203.00%Q3 ’21-22%0%

Non-interest income vs. expense

2.76%Q3 ’192.16%Q3 ’202.15%Q3 ’21-20%-1%

Market Position · Wichita, KS · 2021 SOD (annual) · 0.9% share · #15 of 48 inst. · $0.2B of $21.6B

11.1% Barton
8.1% Butler
5.2% Saline
10.6% Finney

Executive Summary

  • Earnings: ROA of 0.73%, up 1 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.82% of loans (-5 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.17%, up 11 bps from a year ago.
  • Funding: loans stand at 68.69% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

0.73%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.81%-1 bps YoY

Efficiency Ratio (YTD, annualized)

69.20%-11 bps YoY

Tier 1 Leverage Ratio

10.17%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.72%0.67%0.50%0.60%0.73%+1 bps
Return on Equity5.40%5.08%3.98%4.85%5.86%+46 bps
Net Interest Margin2.82%2.81%2.78%2.76%2.81%-1 bps
Efficiency Ratio69.31%71.67%75.80%73.29%69.20%-11 bps
Non-Interest Burden1.85%1.91%2.01%1.92%1.84%-1 bps
Growth
Asset Growth (YoY)18.94%15.84%18.06%3.91%2.28%-1,666 bps
Loan Growth (YoY)13.46%12.22%13.57%2.81%-4.93%-1,839 bps
Deposit Growth (YoY)20.08%18.33%23.16%4.84%2.94%-1,714 bps
Asset Quality
Nonperforming Loans / Loans0.87%0.83%0.79%0.79%0.82%-5 bps
Net Charge-Offs / Loans-0.01%0.00%-0.01%-0.01%-0.01%0 bps
Allowance / Loans1.12%1.16%1.17%1.19%1.24%+13 bps
Allowance Coverage of NPLs1.3x1.4x1.5x1.5x1.5x+0.2x
Capital
Tier 1 Leverage Ratio10.06%10.17%10.30%10.11%10.17%+11 bps
Total Risk-Based Capital10.06%10.17%10.30%10.11%10.17%+11 bps
Equity / Assets12.63%12.68%12.29%12.35%12.47%-16 bps
Liquidity & Funding
Loans / Deposits74.38%72.32%73.36%71.47%68.69%-569 bps
Liquid Assets / Assets0.63%0.37%0.41%0.45%0.58%-5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a