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

06-30-12

REPORT OF CONDITION: 06-30-12

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

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................6,721
   b. Interest-bearing balances.......................................20,068
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................102,727
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...................................3,633
   a. Loans and leases, net of unearned income.......................272,734
   b. LESS: Allowance for loan and lease losses........................5,726
   c. Loans and leases, net of unearned income and allowance..........267,008
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................12,729
7. Other real estate owned............................................3,976
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.........................1,227
11.Other assets.......................................................18,965
12.Total assets......................................................441,324

LIABILITIES

13.Deposits:
   a. In domestic offices............................................379,245
      (1) Noninterest-bearing.........................................110,623
      (2) Interest-bearing...........................................268,622
14.Federal funds purchased 
   a. Federal funds purchased............................................500
15.a. Securities sold under agreements to repurchase....................2,798
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................3,113
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................6,335
19.Total liabilities.................................................391,991

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................39,546
24.Accumulated and other comprehensive income..........................1,016
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................49,333
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................49,333
29.Total liabilities and equity capital...............................441,324

03-31-12

REPORT OF CONDITION: 03-31-12

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF MARCH 31, 2012(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................7,002
   b. Interest-bearing balances.......................................27,031
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................112,871
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...................................4,537
   a. Loans and leases, net of unearned income.......................267,841
   b. LESS: Allowance for loan and lease losses........................5,845
   c. Loans and leases, net of unearned income and allowance..........261,996
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................12,751
7. Other real estate owned.............................................5,448
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.........................1,214
11.Other assets.......................................................19,728
12.Total assets......................................................456,789

LIABILITIES

13.Deposits:
   a. In domestic offices............................................394,196
      (1) Noninterest-bearing.........................................107,435
      (2) Interest-bearing...........................................286,761
14.Federal funds purchased 
   a. Federal funds purchased............................................500
15.a. Securities sold under agreements to repurchase....................4,500
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................3,630
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................6,284
19.Total liabilities.................................................409,110

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................38,307
24.Accumulated and other comprehensive income..........................610
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................47,688
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................47,688
29.Total liabilities and equity capital...............................456,789

12-31-11

REPORT OF CONDITION: 12-31-11

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF DECEMBER 31, 2011(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................16,422
   b. Interest-bearing balances.......................................40,460
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................105,329
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...................................3,331
   a. Loans and leases, net of unearned income.......................263,701
   b. LESS: Allowance for loan and lease losses........................5,818
   c. Loans and leases, net of unearned income and allowance..........257,883
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................12,947
7. Other real estate owned.............................................5,654
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.........................1,137
11.Other assets.......................................................19,902
12.Total assets......................................................467,285

LIABILITIES

13.Deposits:
   a. In domestic offices............................................400,604
      (1) Noninterest-bearing.........................................99,565
      (2) Interest-bearing...........................................301,039
14.Federal funds purchased 
   a. Federal funds purchased............................................500
15.a. Securities sold under agreements to repurchase....................4,596
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................8,326
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................6,534
19.Total liabilities.................................................420,560

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................37,213
24.Accumulated and other comprehensive income..........................741
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................46,725
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................46,725
29.Total liabilities and equity capital...............................467,285

09-30-11

REPORT OF CONDITION: 09-30-11

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF SEPTEMBER 30, 2011(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................7,627
   b. Interest-bearing balances.......................................34,306
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................84,600
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...................................3,143
   a. Loans and leases, net of unearned income.......................281,691
   b. LESS: Allowance for loan and lease losses........................5,685
   c. Loans and leases, net of unearned income and allowance..........276,006
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................13,002
7. Other real estate owned.............................................6,339
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,219
10b.Intangible assets:Other intangible assets.........................1,117
11.Other assets.......................................................19,721
12.Total assets......................................................450,080

LIABILITIES

13.Deposits:
   a. In domestic offices............................................384,214
      (1) Noninterest-bearing.........................................100,325
      (2) Interest-bearing...........................................283,889
14.Federal funds purchased 
   a. Federal funds purchased............................................500
15.a. Securities sold under agreements to repurchase....................2,557
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................8,876
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................8,007
19.Total liabilities.................................................404,154

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................36,120
24.Accumulated and other comprehensive income..........................1,035
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................45,926
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................45,926
29.Total liabilities and equity capital...............................450,080

06-30-11

REPORT OF CONDITION: 06-30-11

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF JUNE 30, 2011(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................8,248
   b. Interest-bearing balances.......................................14,662
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................97,299
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...................................2,193
   a. Loans and leases, net of unearned income.......................287,632
   b. LESS: Allowance for loan and lease losses........................5,636
   c. Loans and leases, net of unearned income and allowance..........281,996
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................13,065
7. Other real estate owned.............................................6,720
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,219
10b.Intangible assets:Other intangible assets.........................1,119
11.Other assets.......................................................20,286
12.Total assets......................................................469,785

LIABILITIES

13.Deposits:
   a. In domestic offices............................................385,015
      (1) Noninterest-bearing.........................................94,109
      (2) Interest-bearing...........................................290,906
14.Federal funds purchased 
   a. Federal funds purchased............................................500
15.a. Securities sold under agreements to repurchase....................2,624
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................9,895
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................7,140
19.Total liabilities.................................................405,174

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................35,188
24.Accumulated and other comprehensive income..........................652
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................44,611
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................44,611
29.Total liabilities and equity capital...............................449,785

03-31-11

REPORT OF CONDITION: 03-31-11

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF MARCH 31, 2011(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................8,045
   b. Interest-bearing balances....................................17,864
2. Securities:
   a. Held-to-maturity securities......................................0
   b. Available-for-sale securities.................................95,138
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...................................1,633
   a. Loans and leases, net of unearned income.......................300,911
   b. LESS: Allowance for loan and lease losses........................5,649
   c. Loans and leases, net of unearned income and allowance..........295,262
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................13,169
7. Other real estate owned.............................................10,611
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,219
10b.Intangible assets:Other intangible assets.........................1,130
11.Other assets.......................................................20,186
12.Total assets......................................................467,257

LIABILITIES

13.Deposits:
   a. In domestic offices............................................403,331
      (1) Noninterest-bearing.........................................94,505
      (2) Interest-bearing...........................................308,826
14.Federal funds purchased 
   a. Federal funds purchased............................................500
15.a. Securities sold under agreements to repurchase....................2,295
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................10,453
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................6,875
19.Total liabilities.................................................423,454

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................34,405
24.Accumulated and other comprehensive income..........................627
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................43,803
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................43,803
29.Total liabilities and equity capital...............................467,257

12-31-10

REPORT OF CONDITION: 12-31-10

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF DECEMBER 31, 2010(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................8,163
   b. Interest-bearing balances.......................................21,786
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................80,533
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...................................3,380
   a. Loans and leases, net of unearned income.......................309,690
   b. LESS: Allowance for loan and lease losses........................5,738
   c. Loans and leases, net of unearned income and allowance..........303,952
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................13,360
7. Other real estate owned.............................................5,196
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,219
10b.Intangible assets:Other intangible assets.........................1,192
11.Other assets.......................................................22,435
12.Total assets......................................................464,216

LIABILITIES

13.Deposits:
   a. In domestic offices............................................400,418
      (1) Noninterest-bearing.........................................85,034
      (2) Interest-bearing...........................................315,384
14.Federal funds purchased 
   a. Federal funds purchased............................................500
15.a. Securities sold under agreements to repurchase....................2,488
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................11,006
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................6,853
19.Total liabilities.................................................421,265

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................33,852
24.Accumulated and other comprehensive income..........................328
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................42,951
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................42,951
29.Total liabilities and equity capital...............................464,216

09-30-10

REPORT OF CONDITION: 09-30-10

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF SEPTEMBER 30, 2010(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................6,788
   b. Interest-bearing balances.......................................29,444
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................94,174
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...................................3,433
   a. Loans and leases, net of unearned income.......................321,979
   b. LESS: Allowance for loan and lease losses........................4,949
   c. Loans and leases, net of unearned income and allowance..........317,030
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................13,582
7. Other real estate owned.............................................4,524
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures............0
10a.Intangible assets: Goodwill.......................................4,219
10b.Intangible assets:Other intangible assets.........................1,013
11.Other assets.......................................................22,003
12.Total assets......................................................496,210

LIABILITIES

13.Deposits:
   a. In domestic offices............................................401,509
      (1) Noninterest-bearing.........................................83,136
      (2) Interest-bearing...........................................318,373
14.Federal funds purchased 
   a. Federal funds purchased............................................500
15.a. Securities sold under agreements to repurchase....................2,018
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................41,554
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................7,337
19.Total liabilities.................................................452,918

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................7,091
23.Retained earnings...................................................33,471
24.Accumulated and other comprehensive income..........................1,050
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................43,292
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................43,292
29.Total liabilities and equity capital...............................496,210