12-31-20

09-30-20

06-30-20

REPORT OF CONDITION: 06-30-2020

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF June 30, 2020(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..................................35,796
   b. Interest-bearing balances.......................................106,212
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................87,663
   c. Equity securities with readily determinable 
         fair values not held for trading...............................0
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...................................4,638
   a. Loans and leases, net of unearned income.......................734,722
   b. LESS: Allowance for loan and lease losses........................9,726
   c. Loans and leases, net of unearned income and allowance..........724,996
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................22,198
7. Other real estate owned.............................................1,871
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures.................0
10a.Intangible assets:................................................6,620
11.Other assets.......................................................36,254
12.Total assets......................................................1,026,248

LIABILITIES

13.Deposits:
   a. In domestic offices............................................902,051
      (1) Noninterest-bearing.........................................230,061
      (2) Interest-bearing...........................................671,990
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................1,158
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................4,164
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................11,243
19.Total liabilities.................................................918,616

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................27,995
23.Retained earnings...................................................76,831
24.Accumulated and other comprehensive income..........................1,126
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................107,632
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................107,632
29.Total liabilities and equity capital...............................1,026,248

03-31-20

REPORT OF CONDITION: 03-31-2020

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF March 31, 2020(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..................................18,734
   b. Interest-bearing balances.......................................67,951
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................82,474
   c. Equity securities with readily determinable 
         fair values not held for trading...............................0
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...................................6,463
   a. Loans and leases, net of unearned income.......................672,048
   b. LESS: Allowance for loan and lease losses........................7,721
   c. Loans and leases, net of unearned income and allowance..........664,327
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................20,959
7. Other real estate owned.............................................1,064
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures.................0
10 a.Intangible assets:................................................6,451
11.Other assets.......................................................34,404
12.Total assets......................................................902,827

LIABILITIES

13.Deposits:
   a. In domestic offices............................................788,196
      (1) Noninterest-bearing.........................................191,757
      (2) Interest-bearing...........................................596,439
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................420
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................0
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................9,836
19.Total liabilities.................................................798,452

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................27,995
23.Retained earnings...................................................74,010
24.Accumulated and other comprehensive income..........................690
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................104,375
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................104,375
29.Total liabilities and equity capital...............................902,827

12-31-19

REPORT OF CONDITION: 12-31-19

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF December 31, 2019(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..................................20,186
   b. Interest-bearing balances.......................................57,807
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................85,064
   c. Equity securities with readily determinable 
         fair values not held for trading...............................0
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...................................5,408
   a. Loans and leases, net of unearned income.......................661,674
   b. LESS: Allowance for loan and lease losses........................6,723
   c. Loans and leases, net of unearned income and allowance..........654,951
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................20,251
7. Other real estate owned.............................................1,064
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures.................0
10a.Intangible assets:................................................6,387
11.Other assets.......................................................33,983
12.Total assets......................................................885,101

LIABILITIES

13.Deposits:
   a. In domestic offices............................................772,439
      (1) Noninterest-bearing.........................................176,188
      (2) Interest-bearing...........................................596,251
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................790
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................0
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................9,065
19.Total liabilities.................................................782,294

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................27,995
23.Retained earnings...................................................72,292
24.Accumulated and other comprehensive income..........................840
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................102,807
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................102,807
29.Total liabilities and equity capital...............................885,101

09-30-19

REPORT OF CONDITION: 09-30-19

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF SEPTEMBER 30, 2019(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..................................17,026
   b. Interest-bearing balances.......................................45,246
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................95,589
   c. Equity securities with readily determinable 
         fair values not held for trading...............................0
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...................................4,408
   a. Loans and leases, net of unearned income.......................603,457
   b. LESS: Allowance for loan and lease losses........................6,193
   c. Loans and leases, net of unearned income and allowance..........597,264
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................19,940
7. Other real estate owned.............................................1,085
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures.................0
10a.Intangible assets:................................................6,284
11.Other assets.......................................................32,582
12.Total assets......................................................819,424

LIABILITIES

13.Deposits:
   a. In domestic offices............................................713,608
      (1) Noninterest-bearing.........................................176,394
      (2) Interest-bearing...........................................537,214
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................638
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................0
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................10,574
19.Total liabilities.................................................724,820

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................22,995
23.Retained earnings...................................................69,321
24.Accumulated and other comprehensive income..........................608
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................96,604
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................94,604
29.Total liabilities and equity capital...............................819,424

06-30-19

REPORT OF CONDITION: 06-30-19

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF JUNE 30, 2019(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..................................17,440
   b. Interest-bearing balances.......................................4,205
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................96,947
   c. Equity securities with readily determinable 
         fair values not held for trading...............................0
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...................................5,424
   a. Loans and leases, net of unearned income.......................588,996
   b. LESS: Allowance for loan and lease losses........................5,849
   c. Loans and leases, net of unearned income and allowance..........583,147
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................19,960
7. Other real estate owned.............................................1,116
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures.................0
10a.Intangible assets:................................................6,170
11.Other assets.......................................................30,836
12.Total assets......................................................765,245

LIABILITIES

13.Deposits:
   a. In domestic offices............................................667,716
      (1) Noninterest-bearing.........................................163,509
      (2) Interest-bearing...........................................504,207
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................437
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................0
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................9,773
19.Total liabilities.................................................677,926

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................17,995
23.Retained earnings...................................................67,373
24.Accumulated and other comprehensive income..........................271
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................87,319
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................87,319
29.Total liabilities and equity capital...............................765,245

03-31-19

REPORT OF CONDITION: 03-31-19

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF MARCH 31, 2019(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..................................16,267
   b. Interest-bearing balances.......................................30,385
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................113,268
   c. Equity securities with readily determinable 
         fair values not held for trading...............................0
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...................................1,846
   a. Loans and leases, net of unearned income.......................558,327
   b. LESS: Allowance for loan and lease losses........................5,646
   c. Loans and leases, net of unearned income and allowance..........552,681
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................19,131
7. Other real estate owned.............................................1,312
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures.................0
10a.Intangible assets:................................................6,111
11.Other assets.......................................................30,719
12.Total assets......................................................771,720

LIABILITIES

13.Deposits:
   a. In domestic offices............................................682,158
      (1) Noninterest-bearing.........................................164,791
      (2) Interest-bearing...........................................517,367
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................978
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................0
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................9,236
19.Total liabilities.................................................692,372

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................12,995
23.Retained earnings...................................................64,931
24.Accumulated and other comprehensive income..........................-258
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................79,348
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................79,348
29.Total liabilities and equity capital...............................771,720

12-31-18

REPORT OF CONDITION: 12-31-18

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF DECEMBER 31, 2018(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..................................12,523
   b. Interest-bearing balances.......................................12,792
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................113,116
   c. Equity securities with readily determinable 
         fair values not held for trading...............................0
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...................................1,419
   a. Loans and leases, net of unearned income.......................540,760
   b. LESS: Allowance for loan and lease losses........................5,597
   c. Loans and leases, net of unearned income and allowance..........535,163
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................19,220
7. Other real estate owned.............................................1,190
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures.................0
10a.Intangible assets:................................................6,081
11.Other assets.......................................................30,839
12.Total assets......................................................732,343

LIABILITIES

13.Deposits:
   a. In domestic offices............................................625,699
      (1) Noninterest-bearing.........................................161,679
      (2) Interest-bearing...........................................464,020
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................1,025
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................20,000
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................8,627
19.Total liabilities.................................................655,351

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................12,995
23.Retained earnings...................................................63,681
24.Accumulated and other comprehensive income..........................-1,364
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................76,992
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................76,992
29.Total liabilities and equity capital...............................732,343

09-30-18

REPORT OF CONDITION: 09-30-18

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF SEPTEMBER 30, 2018(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..................................7,847
   b. Interest-bearing balances.......................................4,615
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................113,706
   c. Equity securities with readily determinable 
         fair values not held for trading...............................0
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...................................1,718
   a. Loans and leases, net of unearned income.......................489,462
   b. LESS: Allowance for loan and lease losses........................5,455
   c. Loans and leases, net of unearned income and allowance..........484,007
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................19,307
7. Other real estate owned.............................................1,190
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures.................0
10a.Intangible assets:................................................6,072
11.Other assets.......................................................29,905
12.Total assets......................................................668,367

LIABILITIES

13.Deposits:
   a. In domestic offices............................................573,520
      (1) Noninterest-bearing.........................................155,285
      (2) Interest-bearing...........................................418,235
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................405
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................10,000
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................9,789
19.Total liabilities.................................................593,174

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................12,995
23.Retained earnings...................................................61,573
24.Accumulated and other comprehensive income..........................-1,595
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................74,653
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................74,653
29.Total liabilities and equity capital...............................668,367