03-31-15

REPORT OF CONDITION: 03-31-15

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF MARCH 31, 2015(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................5,881
   b. Interest-bearing balances.......................................39,272
2. Securities:
   a. Held-to-maturity securities..........................................725
   b. Available-for-sale securities...................................102,096
3. Federal funds
   a. Federal funds sold................................................0
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases held for sale...................................1,049
   a. Loans and leases, net of unearned income.......................260,070
   b. LESS: Allowance for loan and lease losses........................5,245
   c. Loans and leases, net of unearned income and allowance..........254,825
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................12,638
7. Other real estate owned.............................................668
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,220
10b.Intangible assets:Other intangible assets.........................1,777
11.Other assets.......................................................20,410
12.Total assets......................................................443,615

LIABILITIES

13.Deposits:
   a. In domestic offices............................................377,275
      (1) Noninterest-bearing.........................................113,322
      (2) Interest-bearing...........................................263,953
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................1,226
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................0
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................7,369
19.Total liabilities.................................................385,870

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................48,496
24.Accumulated and other comprehensive income..........................478
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................57,745
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................57,745
29.Total liabilities and equity capital...............................433,615

12-31-14

REPORT OF CONDITION: 12-31-14

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF DECEMBER 31, 2014(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................10,488
   b. Interest-bearing balances.......................................42,467
2. Securities:
   a. Held-to-maturity securities..........................................725
   b. Available-for-sale securities...................................96,945
3. Federal funds
   a. Federal funds sold................................................0
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases held for sale...................................469
   a. Loans and leases, net of unearned income.......................258,951
   b. LESS: Allowance for loan and lease losses........................5,241
   c. Loans and leases, net of unearned income and allowance..........253,710
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................11,895
7. Other real estate owned.............................................1,825
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,220
10b.Intangible assets:Other intangible assets.........................1,811
11.Other assets.......................................................20,868
12.Total assets......................................................445,423

LIABILITIES

13.Deposits:
   a. In domestic offices............................................378,986
      (1) Noninterest-bearing.........................................120,170
      (2) Interest-bearing...........................................258,816
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................1,917
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................0
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................7,049
19.Total liabilities.................................................387,952

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................48,426
24.Accumulated and other comprehensive income..........................247
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................57,471
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................57,471
29.Total liabilities and equity capital...............................445,423

09-30-14

REPORT OF CONDITION: 09-30-14

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF SEPTEMBER 30, 2014(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................7,055
   b. Interest-bearing balances.......................................26,484
2. Securities:
   a. Held-to-maturity securities..........................................725
   b. Available-for-sale securities...................................87,175
3. Federal funds
   a. Federal funds sold................................................0
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases held for sale...................................1,057
   a. Loans and leases, net of unearned income.......................277,023
   b. LESS: Allowance for loan and lease losses........................5,267
   c. Loans and leases, net of unearned income and allowance..........271,756
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................11,892
7. Other real estate owned.............................................1,881
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,220
10b.Intangible assets:Other intangible assets.........................1,808
11.Other assets.......................................................19,675
12.Total assets......................................................433,728

LIABILITIES

13.Deposits:
   a. In domestic offices............................................364,861
      (1) Noninterest-bearing.........................................118,838
      (2) Interest-bearing...........................................246,023
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................4,461
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................0
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................8,172
19.Total liabilities.................................................377,494

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................47,116
24.Accumulated and other comprehensive income..........................347
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................56,234
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................56,234
29.Total liabilities and equity capital...............................433,728

06-30-14

REPORT OF CONDITION: 06-30-14

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF JUNE 30, 2014(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................7,145
   b. Interest-bearing balances.......................................25,463
2. Securities:
   a. Held-to-maturity securities..........................................755
   b. Available-for-sale securities...................................92,560
3. Federal funds
   a. Federal funds sold................................................0
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases held for sale...................................3,384
   a. Loans and leases, net of unearned income.......................273,117
   b. LESS: Allowance for loan and lease losses........................5,263
   c. Loans and leases, net of unearned income and allowance..........267,854
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................12,036
7. Other real estate owned.............................................1,899
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,220
10b.Intangible assets:Other intangible assets.........................1,777
11.Other assets.......................................................20,105
12.Total assets......................................................437,218

LIABILITIES

13.Deposits:
   a. In domestic offices............................................371,322
      (1) Noninterest-bearing........................................117,734
      (2) Interest-bearing...........................................253,588
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................2,776
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................0
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................7,426
19.Total liabilities.................................................381,524

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................46,571
24.Accumulated and other comprehensive income..........................352
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................55,694
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................55,694
29.Total liabilities and equity capital...............................437,218

03-30-14

REPORT OF CONDITION: 03-31-14

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF MARCH 31, 2014(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................8,797
   b. Interest-bearing balances.......................................32,919
2. Securities:
   a. Held-to-maturity securities..........................................775
   b. Available-for-sale securities...................................105,918
3. Federal funds
   a. Federal funds sold................................................0
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases held for sale...................................2,344
   a. Loans and leases, net of unearned income.......................246,473
   b. LESS: Allowance for loan and lease losses........................5,259
   c. Loans and leases, net of unearned income and allowance..........241,214
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................12,185
7. Other real estate owned.............................................2,006
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,220
10b.Intangible assets:Other intangible assets.........................1,754
11.Other assets.......................................................19,032
12.Total assets......................................................431,164

LIABILITIES

13.Deposits:
   a. In domestic offices............................................367,788
      (1) Noninterest-bearing.........................................115,717
      (2) Interest-bearing...........................................252,071
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................1,271
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................0
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................7,034
19.Total liabilities.................................................376,093

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................45,649
24.Accumulated and other comprehensive income..........................651
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................55,071
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................55,071
29.Total liabilities and equity capital...............................431,164

12-31-13

REPORT OF CONDITION: 12-31-13

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF DECEMBER 31, 2013(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................10,908
   b. Interest-bearing balances.......................................27,216
2. Securities:
   a. Held-to-maturity securities..........................................775
   b. Available-for-sale securities...................................107,108
3. Federal funds
   a. Federal funds sold................................................0
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases held for sale...................................1,969
   a. Loans and leases, net of unearned income.......................245,290
   b. LESS: Allowance for loan and lease losses........................5,246
   c. Loans and leases, net of unearned income and allowance..........240,044
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................12,318
7. Other real estate owned.............................................2,044
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,220
10b.Intangible assets:Other intangible assets.........................1,722
11.Other assets.......................................................19,295
12.Total assets......................................................427,619

LIABILITIES

13.Deposits:
   a. In domestic offices............................................363,482
      (1) Noninterest-bearing.........................................114,563
      (2) Interest-bearing...........................................248,919
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................3,234
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................0
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................6,497
19.Total liabilities.................................................373,213

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................45,308
24.Accumulated and other comprehensive income..........................327
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................54,406
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................54,406
29.Total liabilities and equity capital...............................427,619

06-31-13

REPORT OF CONDITION: 06-31-13

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF JUNE 31, 2013(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................9,595
   b. Interest-bearing balances.......................................25,371
2. Securities:
   a. Held-to-maturity securities..........................................800
   b. Available-for-sale securities...................................105,748
3. Federal funds
   a. Federal funds sold................................................0
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases held for sale...................................3,167
   a. Loans and leases, net of unearned income.......................247,158
   b. LESS: Allowance for loan and lease losses........................5,490
   c. Loans and leases, net of unearned income and allowance..........241,668
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................12,547
7. Other real estate owned.............................................3,928
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,220
10b.Intangible assets:Other intangible assets.........................1,626
11.Other assets.......................................................19,837
12.Total assets......................................................428,507

LIABILITIES

13.Deposits:
   a. In domestic offices............................................364,248
      (1) Noninterest-bearing.........................................110,531
      (2) Interest-bearing...........................................253,717
14.Federal funds purchased 
   a. Federal funds purchased............................................500
15.a. Securities sold under agreements to repurchase....................3,562
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................977
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................7,081
19.Total liabilities.................................................376,388

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................43,298
24.Accumulated and other comprehensive income..........................50
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................52,119
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................52,119
29.Total liabilities and equity capital...............................428,507

03-31-13

REPORT OF CONDITION: 03-31-13

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF MARCH 31, 2013(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................5,702
   b. Interest-bearing balances.......................................43,324
2. Securities:
   a. Held-to-maturity securities..........................................800
   b. Available-for-sale securities...................................106,375
3. Federal funds
   a. Federal funds sold................................................0
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases held for sale...................................4,391
   a. Loans and leases, net of unearned income.......................242,905
   b. LESS: Allowance for loan and lease losses........................5,518
   c. Loans and leases, net of unearned income and allowance..........237,387
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................12,465
7. Other real estate owned.............................................4,266
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,220
10b.Intangible assets:Other intangible assets.........................1,543
11.Other assets.......................................................18,550
12.Total assets......................................................439,023

LIABILITIES

13.Deposits:
   a. In domestic offices............................................374,664
      (1) Noninterest-bearing.........................................109,380
      (2) Interest-bearing...........................................265,284
14.Federal funds purchased 
   a. Federal funds purchased............................................500
15.a. Securities sold under agreements to repurchase....................3,217
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................1,533
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................7,144
19.Total liabilities.................................................387,058

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................42,096
24.Accumulated and other comprehensive income..........................1,098
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................51,965
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................51,965
29.Total liabilities and equity capital...............................439,023

12-30-12

REPORT OF CONDITION: 12-30-12

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF DECEMBER 30, 2012(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................21,444
   b. Interest-bearing balances.......................................41,851
2. Securities:
   a. Held-to-maturity securities..........................................800
   b. Available-for-sale securities...................................101,978
3. Federal funds
   a. Federal funds sold................................................0
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases held for sale...................................3,379
   a. Loans and leases, net of unearned income.......................256,874
   b. LESS: Allowance for loan and lease losses........................5,485
   c. Loans and leases, net of unearned income and allowance..........251,389
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................12,458
7. Other real estate owned.............................................4,310
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,220
10b.Intangible assets:Other intangible assets.........................1,499
11.Other assets.......................................................19,007
12.Total assets......................................................462,335

LIABILITIES

13.Deposits:
   a. In domestic offices............................................397,474
      (1) Noninterest-bearing.........................................123,781
      (2) Interest-bearing...........................................273,693
14.Federal funds purchased 
   a. Federal funds purchased............................................500
15.a. Securities sold under agreements to repurchase....................4,291
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................2,065
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................6,251
19.Total liabilities.................................................410,581

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings..................................................41,708
24.Accumulated and other comprehensive income..........................1,275
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................51,754
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................51,754
29.Total liabilities and equity capital...............................462,335

09-30-12

REPORT OF CONDITION: 09-30-12

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF SEPTEMBER 30, 2012(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................6,460
   b. Interest-bearing balances.......................................26,112
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................97,372
3. Federal funds
   a. Federal funds sold................................................0
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases held for sale...................................4,552
   a. Loans and leases, net of unearned income.......................264,190
   b. LESS: Allowance for loan and lease losses........................5,792
   c. Loans and leases, net of unearned income and allowance..........258,398
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................12,537
7. Other real estate owned.............................................3,564
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,220
10b.Intangible assets:Other intangible assets.........................1,416
11.Other assets.......................................................18,625
12.Total assets......................................................433,256

LIABILITIES

13.Deposits:
   a. In domestic offices............................................368,416
      (1) Noninterest-bearing.........................................109,833
      (2) Interest-bearing...........................................258,583
14.Federal funds purchased 
   a. Federal funds purchased............................................500
15.a. Securities sold under agreements to repurchase....................3,975
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................2,591
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................7,144
19.Total liabilities.................................................382,626

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................40,441
24.Accumulated and other comprehensive income..........................1,418
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................50,630
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................50,630
29.Total liabilities and equity capital...............................433,256