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Wyoming State Bank

Laramie, WY · Cert 58395

FDIC · 10 branches

Q4 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: Q4 2021, the quarter ended December 31, 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

Wyoming State Bank

Laramie, WY · Cert 58395

FDIC · 10 branches

Q4 2021

$535.3MAssets
$351.1MLoans
$480.8MDeposits
$53.3MEquity
Loan mix
80%RE $192.6M19%C&I $45.2M1%Consumer $2.7MQ4 2020Q4 2021
Deposit mix
70%Interest-bearing $335.8M30%Noninterest $145.0MQ4 2020Q4 2021

NIM

4.44%Q4 ’193.98%Q4 ’203.62%Q4 ’21-3%-5%

Non-interest income vs. expense

3.13%Q4 ’192.62%Q4 ’202.74%Q4 ’21+10%+2%

Market Position · Fort Collins, CO · 2021 SOD (annual) · 1.4% share · #15 of 25 inst. · $0.2B of $11.1B

1.4% Larimer
5.4% Laramie
8.1% Scotts Bluff
8.3% Albany

Executive Summary

  • Earnings: ROA of 0.83%, down 18 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.87% of loans (+7 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.61%, up 30 bps from a year ago.
  • Funding: loans stand at 73.03% of deposits as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

0.83%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.37%-18 bps YoY

Efficiency Ratio (YTD, annualized)

73.56%+503 bps YoY

Tier 1 Leverage Ratio

9.61%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets1.01%1.21%1.16%1.06%0.83%-18 bps
Return on Equity8.61%12.30%11.68%10.68%8.33%-28 bps
Net Interest Margin3.54%3.76%3.76%3.49%3.37%-18 bps
Efficiency Ratio68.54%62.99%64.25%66.30%73.56%+503 bps
Non-Interest Burden2.34%2.25%2.29%2.18%2.38%+4 bps
Growth
Asset Growth (YoY)11.74%13.62%-0.85%-0.50%1.71%-1,003 bps
Loan Growth (YoY)10.88%8.68%-6.38%-10.81%-4.86%-1,574 bps
Deposit Growth (YoY)15.21%17.77%1.00%1.49%1.67%-1,354 bps
Asset Quality
Nonperforming Loans / Loans0.80%0.73%0.68%1.04%0.87%+7 bps
Net Charge-Offs / Loans0.03%0.08%0.02%0.02%0.04%+1 bps
Allowance / Loans1.74%1.74%1.83%1.91%1.82%+8 bps
Allowance Coverage of NPLs2.2x2.4x2.7x1.8x2.1x-0.1x
Capital
Tier 1 Leverage Ratio9.31%9.69%9.94%9.86%9.61%+30 bps
Total Risk-Based Capital9.31%9.69%9.94%9.86%9.61%+30 bps
Equity / Assets9.88%9.75%10.10%10.02%9.96%+9 bps
Liquidity & Funding
Loans / Deposits78.04%76.92%74.47%69.98%73.03%-501 bps
Liquid Assets / Assets7.48%7.60%7.95%9.60%11.15%+368 bps
CRE / Total Capitaln/an/an/an/an/an/an/a