0001437749-22-009451.txt : 20220422 0001437749-22-009451.hdr.sgml : 20220422 20220421180045 ACCESSION NUMBER: 0001437749-22-009451 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20220421 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220422 DATE AS OF CHANGE: 20220421 FILER: COMPANY DATA: COMPANY CONFORMED NAME: AMERICAN NATIONAL BANKSHARES INC. CENTRAL INDEX KEY: 0000741516 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 541284688 STATE OF INCORPORATION: VA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-12820 FILM NUMBER: 22842583 BUSINESS ADDRESS: STREET 1: 628 MAIN ST CITY: DANVILLE STATE: VA ZIP: 24541 BUSINESS PHONE: 4347925111 MAIL ADDRESS: STREET 1: 628 MAIN STREET STREET 2: P O BOX 191 CITY: DANVILLE STATE: VA ZIP: 24543 FORMER COMPANY: FORMER CONFORMED NAME: AMERICAN NATIONAL BANKSHARES INC DATE OF NAME CHANGE: 19920703 8-K 1 americannb20220404_8k.htm FORM 8-K americannb20220404_8k.htm
false 0000741516 0000741516 2022-04-21 2022-04-21
 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934
 
Date of Report (Date of earliest event reported) April 21, 2022
 
AMERICAN NATIONAL BANKSHARES INC.
(Exact name of registrant as specified in its charter)
 
Virginia
0-12820
54-1284688
(State or other jurisdiction of incorporation)
(Commission File Number)
(I.R.S. Employer Identification No.)
 
 
 
628 Main Street, Danville, VA 24541
(Address of principal executive offices) (Zip Code)
 
Registrant’s telephone number, including area code: 434-792-5111
 
Not Applicable
(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
 
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13a-4(c))
 
Securities registered pursuant to Section 12(b) of the Act:
 
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, $1.00 par value
AMNB
Nasdaq Global Select Market
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.
Emerging growth company ☐
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
 
 
 
 
Item 2.02 Results of Operations and Financial Condition
 
On April 21, 2022, American National Bankshares Inc. ("the Company") reports earnings for first quarter 2022.
 
Item 9.01 Financial Statements and Exhibits
 
(d) Exhibits:
 
Exhibit No. Description
   
99.1
Press release, dated April 21, 2022.
104 Cover Page Interactive Data File (embedded within the Inline XBRL document).
 
 
SIGNATURES
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
      American National Bankshares Inc.
      (Registrant)
       
Date: April 21, 2022 By: /s/ Jeffrey W. Farrar
      Jeffrey W. Farrar
      Executive Vice President,
      Chief Financial Officer, and Chief Operating Officer
 
 
 EX-99.1 2 ex_355149.htm EXHIBIT 99.1 ex_355149.htm

Exhibit 99.1

 

FOR IMMEDIATE RELEASE

 

Contact:

Jeffrey W. Farrar

Executive Vice President, COO & CFO

(434)773-2274

farrarj@amnb.com

 

AMERICAN NATIONAL BANKSHARES

REPORTS FIRST QUARTER EARNINGS

 

Danville, VA, April 21, 2022 – American National Bankshares Inc. (NASDAQ: AMNB) (“American National” or the “Company”) today reported first quarter 2022 earnings of $9.0 million, or $0.84 per diluted common share. Those results compare to earnings of $11.3 million, or $1.03 per diluted common share, during the same quarter in the prior year, and earnings of $11.3 million, or $1.05 per diluted common share, for the fourth quarter of 2021.

 

President and Chief Executive Officer, Jeffrey V. Haley commented, “American National delivered a solid first quarter for earnings and balance sheet growth. Core loan growth was a highlight and a strengthened economy allowed for some additional release of allowance for credit losses that were built during the early stages of the pandemic. While we are positive on the economic activity in our markets, there are headwinds associated with high inflation, continuing supply chain issues and the tragedy unfolding in Ukraine. It remains to be seen whether the economy will be negatively impacted in the longer term. Although, we tend to perform better financially in a rising rate environment, the rapid rise in treasury interest rates and anticipated monetary policy tightening has created some additional pressure on loan production and competitive pricing as some competitors have been slow to respond to these rate increases. Mortgage rates are significantly higher than one year ago, having some impact on the refinance market and affordability in general. Our customers seem to be thriving well in this environment, and we are most appreciative of their business and support.”

 

First quarter 2022 highlights include:

 

 

●

 Average loans held for investment, excluding U.S. Small Business Administration Paycheck Protection Program (“PPP”) loans, grew $45.4 million, or 9.5% annualized, during the first quarter as compared to the previous quarter.

 

 

●

 Earnings produced a return on average tangible common equity of 14.14% for the first quarter of 2022, compared to 17.63% in the previous quarter and 18.45% for the same quarter in the prior year (non-GAAP).

 

 

●

 Average deposits declined 4.6% annualized during the quarter but increased 11.6% over the same quarter of 2021; the cost of interest-bearing deposits decreased to 0.12% in the first quarter, compared to 0.14% in the previous quarter and 0.30% in the same quarter of the prior year.

 

 

●

 Fully taxable equivalent (“FTE”) net interest margin was 2.63% for the quarter, down from 2.93% in the fourth quarter of 2021 and from 3.20% in the same quarter of the prior year (non-GAAP).

 

 

●

 Noninterest revenues increased $756 thousand, or 15.6%, when compared to the previous quarter, and decreased $322 thousand, or 5.4%, compared to the same quarter in the prior year.

 

 

●

 Noninterest expense decreased $114 thousand, or less than 1%, when compared to the previous quarter, and increased $1.3 million, or 9.1%, when compared to the same quarter in the prior year.

 

 

●

 The Company recognized a negative provision for loan losses in the first quarter of 2022 of $758 thousand compared to a negative provision of $2.0 million in the fourth quarter of 2021 and no provision expense or recovery in the first quarter of 2021. Annualized net charge-offs (recoveries) as a percentage of average loans outstanding were (0.01%) for the first quarter of 2022, compared to none in the previous quarter or in the same quarter in the prior year.

 

 

●

 Nonperforming assets as a percentage of total assets were 0.06% at March 31, 2022, down from 0.07% at December 31, 2021, and down from 0.10% at March 31, 2021.

 

 
 

 

NET INTEREST INCOME

 

Net interest income for the first quarter of 2022 decreased by $2.7 million, or 11.5%, to $20.5 million compared to $23.1 million for the fourth quarter of 2021. The first quarter of 2022 compared to the same quarter of 2021 reflected a decrease of $2.0 million, or 8.8%. The FTE net interest margin for the quarter was 2.63%, down from 2.93% in the prior quarter and 3.20% in the same quarter a year ago (non-GAAP). The first quarter of 2022 recognized $714 thousand less PPP income and $1.5 million less accretion income compared to the fourth quarter of 2021. The decrease in PPP income of $3.1 million offset by the reduced deposit interest expense of $718 thousand drove the decrease in net interest income from the same quarter of the prior year.

 

The Company’s FTE net interest margin includes the impact of acquisition accounting fair value adjustments. During the first quarter of 2022, net accretion related to acquisition accounting amounted to $566 thousand compared to $2.1 million in the prior quarter and $948 thousand for the same quarter in 2021. There were multiple acquired loan cash basis collections in the fourth quarter of 2021 accounting for the significant difference between quarters. Estimated remaining net accretion from acquisitions for the periods indicated is as follows (dollars in thousands):

 

For the years ending (estimated):

        

2022

     $ 725  

2023

     732  

2024

     434  

2025

     292  

2026

     177  

Thereafter

     246  

 

ASSET QUALITY

 

Nonperforming assets (“NPAs”) totaled $2.0 million as of March 31, 2022, down from $2.4 million at December 31, 2021, and down substantially from $2.9 million at March 31, 2021. NPAs as a percentage of total assets were 0.06% at March 31, 2022, compared to 0.07% at December 31, 2021 and 0.10% at March 31, 2021. The Company recorded a negative provision for the first quarter of 2022 of $758 thousand compared to a negative provision of $2.0 million in the previous quarter and no provision or recovery in the first quarter of the previous year. The first quarter of 2022 and fourth quarter of 2021 negative provisions were the result of continued improvement in economic conditions, ongoing low charge-off and delinquency rates, and overall strong asset quality metrics. The provision expense that would have been required in the first quarter of 2021 based on loan activity was offset by the adjustments to qualitative factors for improved economic conditions.

 

The allowance for loan losses was $18.0 million at March 31, 2022, compared to $18.7 million at December 31, 2021 and $21.4 million at March 31, 2021. Annualized net charge-offs (recoveries) as a percentage of average loans outstanding were (0.01%) for the first quarter of 2022, compared to none in the previous quarter or in the same quarter in the prior year. The allowance as a percentage of loans held for investment was 0.90% at March 31, 2022, compared to 0.96% at December 31, 2021, and 1.08% at March 31, 2021. Excluding PPP loans, the allowance as a percentage of loans decreased to 0.91% at March 31, 2022, compared to 0.97% at December 31, 2021 and 1.19% at March 31, 2021.

 

 
 

 

NONINTEREST INCOME

 

Noninterest income increased $756 thousand, or 15.6%, to $5.6 million for the quarter ended March 31, 2022 from $4.8 million in the prior quarter and decreased $322 thousand, or 5.4%, from the same quarter in the prior year. The increase in the first quarter of 2022 from the fourth quarter of 2021 was primarily the result of increased income of $310 thousand, or over 200%, in income from insurance investments, non-recurring estate settlement revenues of $200 thousand included in trust and brokerage fees and a gain on premises and equipment, net compared to a loss in the 2021 period.

 

The first quarter of 2022 compared to the first quarter of 2021 reflected a significant decrease in mortgage banking income of $645 thousand, or 48.9%, and income from insurance investments of $341 thousand, or 43.3%, partially offset by increased trust and brokerage income growth of $385 thousand, or 27.0%.

 

NONINTEREST EXPENSE

 

Noninterest expense for the first quarter of 2022 amounted to $15.3 million, down $114 thousand, or less than a 1% decrease, when compared to the $15.5 million for the previous quarter and up $1.3 million, or 9.1%, from $14.1 million during the same quarter in the previous year. The decrease in the first quarter compared to the fourth quarter of 2021 was the net of increased benefit and data processing expenses and decreased charitable contributions. 

 

The first quarter 2022 increase compared to the same quarter of 2021, was primarily due to increased salary and employee benefits expenses including annual salary adjustments and incentive accruals, and reduced loan origination deferral costs. The first quarter of 2021 reflected a reduction in salaries and benefits expense associated with the deferral of $604 thousand in costs associated with the origination of PPP loans during the quarter.

 

INCOME TAXES

 

The effective tax rate for the three months ended March 31, 2022 was 21.49%, compared to 21.79% for the prior quarter and 20.95% for the same quarter in the prior year. The effective tax rate was relatively consistent in the last two quarters, with a slight increase from the March 31, 2021 quarter attributable to changes in pre-tax earnings and the levels of permanent tax differences.

 

BALANCE SHEET

 

Total assets at March 31, 2022 were $3.3 billion, an increase of $11.6 million from December 31, 2021 and $272.8 million from March 31, 2021. The growth over the previous quarter and over the same quarter of 2021 is the result of continued core deposit growth and loan growth.

 

At March 31, 2022, loans held for investment (net of deferred fees and costs) were $2.0 billion, an increase of $41.4 million, or 8.5%, annualized from December 31, 2021. This increase is net of $11.6 million of PPP loans forgiven during the first quarter of 2022. Loans held for investment, excluding PPP loans, increased $192.5 million, or 10.7%, from March 31, 2021. The Company had PPP loan net balances remaining of $689 thousand at March 31, 2022 compared to $12.2 million at December 31, 2021 and $183.8 million at March 31, 2021.

 

Investment securities available for sale amounted to $686.2 million at March 31, 2022, with a less than 1% decrease of $6.3 million, compared to December 31, 2021, and growth of $204.0 million, or 42.3%, compared to March 31, 2021.

 

Deposits amounted to $2.9 billion at March 31, 2022, with growth of $35.9 million, or 5.0%; annualized from December 31, 2021 and $293.7 million, or 11.2%, compared to March 31, 2021.  The growth over the prior quarter and same quarter of 2021 is a result of continued higher than average cash balances being maintained by customers.

 

The Company continues to be well-capitalized as defined by regulators, with tangible common equity to tangible assets of 7.54% at March 31, 2022 compared to 8.17% at December 31, 2021 and compared to 8.42% at March 31, 2021 (non-GAAP). The Company’s common equity Tier 1, Tier 1, total, and Tier 1 leverage capital ratios were 12.04%, 13.28%, 14.09% and 9.31%, respectively, at March 31, 2022.

 

 
 

 

ABOUT AMERICAN NATIONAL

 

American National is a multi-state bank holding company with total assets of approximately $3.3 billion. Headquartered in Danville, Virginia, American National is the parent company of American National Bank and Trust Company. American National Bank is a community bank serving Virginia and North Carolina with 26 banking offices. American National Bank also manages an additional $1.1 billion of trust, investment and brokerage assets in its Wealth Division. Additional information about American National and American National Bank is available on American National's website at www.amnb.com.

 

NON-GAAP FINANCIAL MEASURES

 

This release contains financial information determined by methods other than in accordance with generally accepted accounting principles in the United States (“GAAP”). American National’s management uses these non-GAAP financial measures in its analysis of American National’s performance. These measures typically adjust GAAP performance measures to exclude the effects of the amortization of intangibles and include the tax benefit associated with revenue items that are tax-exempt, as well as adjust income available to common shareholders for certain significant activities or transactions that are infrequent in nature. Management believes presentations of these non-GAAP financial measures provide useful supplemental information that is essential to a proper understanding of the operating results of American National’s core businesses. These non-GAAP disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. For a reconciliation of non-GAAP financial measures, see “Reconciliation of Non-GAAP Financial Measures” at the end of this release.

 

 

FORWARD-LOOKING STATEMENTS

 

Statements made in this release, other than those concerning historical financial information, may be considered forward-looking statements, which speak only as of the date of this release and are based on current expectations and involve a number of assumptions. American National intends such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995 and is including this statement for purposes of these safe harbor provisions. American National’s ability to predict results, or the actual effect of future plans or strategies, is inherently uncertain. Factors that could have a material effect on the operations and future prospects of American National include but are not limited to: (1) the impacts of the ongoing COVID-19 pandemic and the associated efforts to limit the spread of the virus; (2) expected revenue synergies and cost savings from acquisitions and depositions; (3) changes in interest rates, general economic conditions, legislation and regulation, and monetary and fiscal policies of the U.S. government, including policies of the U.S. Treasury, Office of the Comptroller of the Currency and the Board of Governors of the Federal Reserve System; (4) the quality and composition of the loan and securities portfolios, demand for loan products, deposit flows, competition, and demand for financial services in American National’s market areas; (5) the adequacy of the level of the allowance for loan losses, the amount of loan loss provisions required in future quarters, and the failure of assumptions underlying the allowance for loan losses; (6) cybersecurity threats or attacks, the implementation of new technologies, and the ability to develop and maintain secure and reliable electronic systems; (7) accounting principles, policies, and guidelines; and (8) other risk factors detailed from time to time in filings made by American National with the Securities and Exchange Commission. American National undertakes no obligation to update or clarify these forward-looking statements, whether as a result of new information, future events or otherwise.

 

 

 
 

 

American National Bankshares Inc.

Consolidated Balance Sheets

(Dollars in thousands, except per share data)

Unaudited

 

   

March 31,

ASSETS

  

2022

  

2021
                 

Cash and due from banks

   $ 34,506   $ 33,266

Interest-bearing deposits in other banks

   452,562   383,984

Securities available for sale, at fair value

   686,176   482,143

Restricted stock, at cost

   8,484   8,024

Loans held for sale

   2,524   17,929

Loans, net of deferred fees and costs

   1,988,008   1,978,640

Less allowance for loan losses

   (17,988 )   (21,416 )

Net Loans

   1,970,020   1,957,224

Premises and equipment, net

   35,383   39,336

Other real estate owned, net

   143   443

Goodwill

   85,048   85,048

Core deposit intangibles, net

   4,297   5,710

Bank owned life insurance

   29,159   28,635

Other assets

   37,936   31,690
                 

Total assets

   $ 3,346,238   $ 3,073,432
                 

Liabilities

                

Demand deposits -- noninterest-bearing

   $ 1,024,778   $ 907,721

Demand deposits -- interest-bearing

   539,252   455,457

Money market deposits

   759,782   688,051

Savings deposits

   271,384   236,518

Time deposits

   331,011   344,787

Total deposits

   2,926,207   2,632,534

Customer repurchase agreements

   38,527   39,205

Long-term borrowings

   28,257   35,656

Other liabilities

   18,173   24,244

Total liabilities

   3,011,164   2,731,639
                 

Shareholders' equity

                

Preferred stock, $5 par, 2,000,000 shares authorized, none outstanding

   —   —

Common stock, $1 par, 20,000,000 shares authorized, 10,713,958 shares outstanding at March 31, 2022 and 10,958,171 shares outstanding at March 31, 2021

   10,638   10,894

Capital in excess of par value

   144,848   153,651

Retained earnings

   207,373   178,015

Accumulated other comprehensive loss, net

   (27,785 )   (767 )

Total shareholders' equity

   335,074   341,793
                 

Total liabilities and shareholders' equity

   $ 3,346,238   $ 3,073,432

 

 
 

 

 

American National Bankshares Inc.

Consolidated Statements of Income

(Dollars in thousands, except per share data)

Unaudited

 

   

For the Three Months Ended
   

3/31/22

  

12/31/21

  

3/31/21

Interest and Dividend Income:

                        

Interest and fees on loans

   $ 18,788   $ 21,706   $ 22,273

Interest and dividends on securities:

                        

Taxable

   2,239   2,012   1,632

Tax-exempt

   90   92   103

Dividends

   113   115   119

Other interest income

   177   223   77

Total interest and dividend income

   21,407   24,148   24,204
                         

Interest Expense:

                        

Interest on deposits

   569   655   1,287

Interest on short-term borrowings

   6   3   11

Interest on long-term borrowings

   379   386   483

Total interest expense

   954   1,044   1,781
                         

Net Interest Income

   20,453   23,104   22,423

(Recovery of) provision for loan losses

   (758 )   (1,955 )   —
                         

Net Interest Income After (Recovery of) Provision for Loan Losses

   21,211   25,059   22,423
                         

Noninterest Income:

                        

Trust and brokerage fees

   1,809   1,529   1,424

Service charges on deposit accounts

   689   695   622

Interchange fees

   981   1,127   889

Other fees and commissions

   266   182   250

Mortgage banking income

   673   746   1,318

Securities gains, net

   —   35   —

Income from Small Business Investment Companies

   493   462   428

Income from insurance investments

   447   137   788

Gains (losses) on premises and equipment, net

   4   (297 )   (49 )

Other

   238   228   252

Total noninterest income

   5,600   4,844   5,922
                         

Noninterest Expense:

                        

Salaries and employee benefits

   8,598   8,461   7,518

Occupancy and equipment

   1,542   1,484   1,533

FDIC assessment

   239   220   224

Bank franchise tax

   476   446   438

Core deposit intangible amortization

   330   351   381

Data processing

   847   734   778

Software

   363   357   329

Other real estate owned, net

   (1 )   (17 )   117

Other

   2,955   3,427   2,747

Total noninterest expense

   15,349   15,463   14,065
                         

Income Before Income Taxes

   11,462   14,440   14,280

Income Taxes

   2,463   3,147   2,991

Net Income

   $ 8,999   $ 11,293   $ 11,289
                         

Net Income Per Common Share:

                        

Basic

   $ 0.84   $ 1.05   $ 1.03

Diluted

   $ 0.84   $ 1.05   $ 1.03

Weighted Average Common Shares Outstanding:

                        

Basic

   10,754,287   10,774,268   10,971,466

Diluted

   10,756,902   10,776,970   10,976,177

 

 
 

 

American National Bankshares Inc.

Financial Highlights

Unaudited
 
(Dollars in thousands, except per share data)

 

   

1st Qtr

  

4th Qtr

  

1st Qtr
   

2022

  

2021

  

2021

EARNINGS

                        

Interest income

   $ 21,407   $ 24,148   $ 24,204

Interest expense

   954   1,044   1,781

Net interest income

   20,453   23,104   22,423

(Recovery of) provision for loan losses

   (758 )   (1,955 )   —

Noninterest income

   5,600   4,844   5,922

Noninterest expense

   15,349   15,463   14,065

Income taxes

   2,463   3,147   2,991

Net income

   8,999   11,293   11,289
                         

PER COMMON SHARE

                        

Net income per share - basic

   $ 0.84   $ 1.05   $ 1.03

Net income per share - diluted

   0.84   1.05   1.03

Cash dividends paid

   0.28   0.28   0.27

Book value per share

   31.27   32.95   31.19

Book value per share - tangible (a)

   22.94   24.62   22.91

Closing market price

   37.68   37.68   33.07
                         

FINANCIAL RATIOS

                        

Return on average assets

   1.08

%

   1.35

%

   1.49

Return on average common equity

   10.24   12.82   13.19

Return on average tangible common equity (a)

   14.14   17.63   18.45

Average common equity to average assets

   10.59   10.50   11.31

Tangible common equity to tangible assets (a)

   7.54   8.17   8.42

Net interest margin, taxable equivalent

   2.63   2.93   3.20

Efficiency ratio (a)

   57.53   53.46   47.70

Effective tax rate

   21.49   21.79   20.95
                         

PERIOD-END BALANCES

                        

Securities

   $ 694,660   $ 700,523   $ 490,167

Loans held for sale

   2,524   8,481   17,929

Loans, net

   1,988,008   1,946,580   1,978,640

Goodwill and other intangibles

   89,345   89,675   90,758

Assets

   3,346,238   3,334,597   3,073,432

Assets - tangible (a)

   3,256,893   3,244,922   2,982,674

Deposits

   2,926,207   2,890,353   2,632,534

Customer repurchase agreements

   38,527   41,128   39,205

Long-term borrowings

   28,257   28,232   35,656

Shareholders' equity

   335,074   354,792   341,793

Shareholders' equity - tangible (a)

   245,729   265,117   251,035

 

 
 

 

American National Bankshares Inc.

Financial Highlights

Unaudited
 
(Dollars in thousands, except per share data)

 

   

1st Qtr

  

4th Qtr

  

1st Qtr
   

2022

  

2021

  

2021

AVERAGE BALANCES

                        

Securities (b)

   $ 710,873   $ 654,595   $ 458,760

Loans held for sale

   4,324   8,121   11,237

Loans, net

   1,966,586   1,943,238   2,009,166

Interest-earning assets

   3,126,561   3,154,730   2,814,291

Goodwill and other intangibles

   89,525   89,855   90,976

Assets

   3,320,314   3,357,223   3,026,952

Assets - tangible (a)

   3,230,789   3,267,368   2,935,976

Interest-bearing deposits

   1,880,873   1,868,695   1,740,418

Deposits

   2,880,893   2,914,381   2,582,539

Customer repurchase agreements

   41,337   39,645   43,746

Long-term borrowings

   28,241   28,218   35,640

Shareholders' equity

   351,539   352,395   342,231

Shareholders' equity - tangible (a)

   262,014   262,540   251,255
                         

CAPITAL

                        

Weighted average shares outstanding - basic

   10,754,287   10,774,268   10,971,466

Weighted average shares outstanding - diluted

   10,756,902   10,776,970   10,976,177
                         

COMMON STOCK REPURCHASE PROGRAM

                        

Total shares of common stock repurchased

   88,929   16,580   54,023

Average price paid per share of common stock

   $ 38.18   $ 37.12   $ 29.51
                         

ALLOWANCE FOR LOAN LOSSES

                        

Beginning balance

   $ 18,678   $ 20,630   $ 21,403

(Recovery of) provision for loan losses

   (758 )   (1,955 )   —

Charge-offs

   (37 )   (76 )   (22 )

Recoveries

   105   79   35

Ending balance

   $ 17,988   $ 18,678   $ 21,416
                         

LOANS

                        

Construction and land development

   $ 148,276   $ 134,221   $ 159,801

Commercial real estate - owner occupied

   402,306   391,517   364,549

Commercial real estate - non-owner occupied

   752,817   731,034   628,742

Residential real estate

   295,949   289,757   266,595

Home equity

   89,593   93,203   100,643

Commercial and industrial

   291,697   299,773   447,109

Consumer

   7,370   7,075   11,201

Total

   $ 1,988,008   $ 1,946,580   $ 1,978,640

 

 
 

 

American National Bankshares Inc.

Financial Highlights

Unaudited
 
(Dollars in thousands, except per share data)

 

   

1st Qtr

  

4th Qtr

  

1st Qtr
   

2022

  

2021

  

2021

NONPERFORMING ASSETS AT PERIOD-END

                        

Nonperforming loans:

                        

90 days past due and accruing

   $ 71   $ 216   $ 162

Nonaccrual

   1,762   2,006   2,323

Other real estate owned and repossessions

   143   143   443

Nonperforming assets

   $ 1,976   $ 2,365   $ 2,928
                         

ASSET QUALITY RATIOS

                        

Allowance for loan losses to total loans

   0.90

%

   0.96

%

   1.08

Allowance for loan losses to nonperforming loans

   981.34   840.59   861.81

Nonperforming assets to total assets

   0.06   0.07   0.10

Nonperforming loans to total loans

   0.09   0.11   0.13

Annualized net recoveries to average loans

   (0.01 )  

(0.00

 )   (0.00 )
                         
                         

OTHER DATA

                        

Fiduciary assets at period-end (c) (d)

   $ 727,022   $ 752,410   $ 666,653

Retail brokerage assets at period-end (c) (d)

   $ 405,742   $ 418,850   $ 382,419

Number full-time equivalent employees (e)

   338   346   340

Number of full service offices

   26   26   26

Number of loan production offices

   1   1   1

Number of ATMs

   36   36   36

 

Notes:  
   
(a) -  This financial measure is not calculated in accordance with GAAP. For a reconciliation of non-GAAP financial measures, see "Reconciliation of Non-GAAP Financial Measures" at the end of this release.
(b) -  Average does not include unrealized gains and losses.
(c) -  Market value.
(d) -  Assets are not owned by American National and are not reflected in the consolidated balance sheet.
(e) -  Average for quarter.

 

 
 

 

American National Bankshares Inc.

Net Interest Income Analysis

For the Three Months Ended March 31, 2022 and 2021

(Dollars in thousands)

Unaudited

 

                                                 
                   

Interest

                
   

Average Balance

  

Income/Expense (a)

  

Yield/Rate
                                                 
   

2022

  

2021

  

2022

  

2021

  

2022

  

2021

Loans:

                                                

Commercial

   $ 290,051   $ 464,677   $ 2,632   $ 5,790   3.68

%

   5.05

%

Real estate

   1,674,350   1,548,091   16,078   16,390   3.84   4.23

Consumer

   6,509   7,635   112   127   6.98   6.75

Total loans (b)

   1,970,910   2,020,403   18,822   22,307   3.83   4.43
                                                 

Securities:

                                                

U.S. Treasury

   147,001   15,303   323   12   0.88   0.31

Federal agencies & GSEs

   104,905   105,337   293   305   1.12   1.16

Mortgage-backed & CMOs

   361,583   258,003   1,207   973   1.34   1.51

State and municipal

   67,524   58,493   331   315   1.96   2.15

Other

   29,860   21,624   312   275   4.18   5.09

Total securities

   710,873   458,760   2,466   1,880   1.39   1.64
                                                 

Deposits in other banks

   444,778   335,128   177   77   0.16   0.09
                                                 

Total interest-earning assets

   3,126,561   2,814,291   21,465   24,264   2.75   3.46
                                                 

Non-earning assets

   193,753   212,661                                
                                                 

Total assets

   $ 3,320,314   $ 3,026,952                                
                                                 

Deposits:

                                                

Demand

   $ 525,508   $ 450,953   37   40   0.03   0.04

Money market

   752,386   683,948   101   276   0.05   0.16

Savings

   264,057   227,404   7   7   0.01   0.01

Time

   338,922   378,113   424   964   0.51   1.03

Total deposits

   1,880,873   1,740,418   569   1,287   0.12   0.30
                                                 

Customer repurchase agreements

   41,337   43,746   6   11   0.06   0.10

Long-term borrowings

   28,241   35,640   379   483   5.37   5.42

Total interest-bearing liabilities

   1,950,451   1,819,804   954   1,781   0.20   0.40
                                                 

Noninterest bearing demand deposits

   1,000,020   842,121                                

Other liabilities

   18,304   22,796                                

Shareholders' equity

   351,539   342,231                                

Total liabilities and shareholders' equity

   $ 3,320,314   $ 3,026,952                                
                                                 

Interest rate spread

                                   2.55 %   3.06 %

Net interest margin

                                   2.63 %   3.20 %
                                                 

Net interest income (taxable equivalent basis)

                   20,511   22,483                

Less: Taxable equivalent adjustment (c)

                   58   60                

Net interest income

                   $ 20,453   $ 22,423                

 

Notes:  
   
(a) -  Interest income includes net accretion/amortization of acquired loan fair value adjustments and the net accretion/amortization of deferred loan fees and costs.
(b) -  Nonaccrual loans are included in the average balances.
(c) -  A tax rate of 21% was used in adjusting interest on tax-exempt assets to a fully taxable equivalent basis.

 

 
 

 

American National Bankshares Inc.

Reconciliation of Non-GAAP Financial Measures

Unaudited
 

(Dollars in thousands, except per share data)

 

   

1st Qtr

  

4th Qtr

  

1st Qtr
   

2022

  

2021

  

2021

EFFICIENCY RATIO

                        

Noninterest expense

   $ 15,349   $ 15,463   $ 14,065

Subtract: loss on sale of OREO

   —   —   (111 )

Subtract: core deposit intangible amortization

   (330 )   (351 )   (381 )
    $ 15,019   $ 15,112   $ 13,573
                         

Net interest income

   $ 20,453   $ 23,104   $ 22,423

Tax equivalent adjustment

   58   60   60

Noninterest income

   5,600   4,844   5,922

Subtract: gain on securities

   —   (35 )   —

Add/subtract: (gain)/loss on fixed assets

   (4 )   297   49
    $ 26,107   $ 28,270   $ 28,454
                         

Efficiency ratio

   57.53 %   53.46 %   47.70 %
                         

TAX EQUIVALENT NET INTEREST INCOME

                        

Non-GAAP measures:

                        

Interest income - loans

   $ 18,822   $ 21,742   $ 22,307

Interest income - investments and other

   2,643   2,466   1,957

Interest expense - deposits

   (569 )   (655 )   (1,287 )

Interest expense - customer repurchase agreements

   (6 )   (3 )   (11 )

Interest expense - long-term borrowings

   (379 )   (386 )   (483 )

Total net interest income

   $ 20,511   $ 23,164   $ 22,483

Less non-GAAP measures:

                        

Tax benefit on nontaxable interest - loans

   (34 )   (36 )   (34 )

Tax benefit on nontaxable interest - securities

   (24 )   (24 )   (26 )

GAAP measures

   $ 20,453   $ 23,104   $ 22,423
                         

RETURN ON AVERAGE TANGIBLE EQUITY

                        

Return on average equity (GAAP basis)

   10.24 %   12.82 %   13.19 %

Impact of excluding average goodwill and other intangibles

   3.90   4.81   5.26

Return on average tangible equity (non-GAAP)

   14.14 %   17.63 %   18.45 %
                         

TANGIBLE EQUITY TO TANGIBLE ASSETS

                        

Equity to assets ratio (GAAP basis)

   10.01 %   10.64 %   11.12 %

Impact of excluding goodwill and other intangibles

   (2.47 )   (2.47 )   (2.70 )

Tangible equity to tangible assets ratio (non-GAAP)

   7.54 %   8.17 %   8.42 %
                         

TANGIBLE BOOK VALUE

                        

Book value per share (GAAP basis)

   $ 31.27   $ 32.95   $ 31.19

Impact of excluding goodwill and other intangibles

   (8.33 )   (8.33 )   (8.28 )

Tangible book value per share (non-GAAP)

   $ 22.94   $ 24.62   $ 22.91
                         

ADJUSTED LOAN LOSS ALLOWANCE

                        

Allowance for loan losses

   $ 17,988   $ 18,678   $ 21,416

Credit discount on purchased loans

   4,001   4,474   6,528

Adjusted loan loss allowance

   $ 21,989   $ 23,152   $ 27,944
                         

Total loans, net

   $ 1,988,008   $ 1,946,580   $ 1,978,640

Subtract: PPP loans, net

   (689 )   (12,239 )   (183,783 )

Total loans less PPP loans, net

   $ 1,987,319   $ 1,934,341   $ 1,794,857
                         

Adjusted loan loss allowance to total loans less PPP loans, net

   1.11 %   1.20 %   1.56 %

 

 
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