12-31-09

REPORT OF CONDITION: 12-31-09

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF DECEMBER 31, 2009(IN THOUSANDS)

ASSETS

1. Cash and balances due from depository institutions
   a. Noninterest-bearing balances and currency and coin..............12,928
   b. Interest-bearing balances.......................................24,935
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................73,420
3. Federal funds sold and securities purchased under agreements to resell:
   a. Federal funds sold...............................................9,650
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases held for sale...................................2,092
   a. Loans and leases, net of unearned income.......................315,028
   b. LESS: Allowance for loan and lease losses........................3,696
   c. LESS: Allocated transfer risk reserve................................0
   d. Loans and leases, net of unearned income, allow., and reserve..311,332
5. Trading assets..........................................................0
6. Premises and fixed assets (including capitalized leases)...........13,049
7. Other real estate owned.............................................4,899
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Customer's liability to this bank on acceptances outstanding............0
10a.Intangible assets..................................................4,219
10b.Intangible assets:Other............................................1,125
11.Other assets.......................................................22,151
12.Total assets......................................................479,800

LIABILITIES

13.Deposits:
   a. In domestic offices............................................372,244
      (1) Noninterest-bearing.........................................81,346
      (2) Interest-bearing...........................................290,898
14.Federal funds purchased & securities sold under agreements to repurchase:
   a. Federal funds purchased............................................500
15.a. Demand notes issued to the U.S. Treasury.............................0
   b. Trading liabilities..............................................3,885
16.Other borrowed money...............................................54,844
17.Mortgage indebtedness and obligations under capitalized leases..........0
18.Bank's liability on acceptances executed and outstanding................0
19.Subordinated notes and debentures.......................................0
20.Other liabilities...................................................6,858
21.Total liabilities.................................................438,331
22.Limited-life preferred stock and related surplus........................0

EQUITY CAPITAL

23.Perpetual preferred stock and related surplus...........................0
24.Common stock........................................................1,680
25.Surplus(exclude all surplus related to preferred stock).............7,091
26.a. Undivided profits and capital reserves..........................32,391
   b. Net unrealized holding gain(losses)available for sale securities...307
27.Cumulative foreign currency transaction adjustments.....................0
28.Total equity capital...............................................41,469
29.Total liabilities, limited life preferred stock, equity capital...479,800