06-30-18

REPORT OF CONDITION: 06-30-18

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

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..................................9,273
   b. Interest-bearing balances.......................................20,757
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................118,734
   c. Equity securities with readily determinable 
         fair values not held for trading...............................N/A
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...................................2,368
   a. Loans and leases, net of unearned income.......................459,911
   b. LESS: Allowance for loan and lease losses........................5,311
   c. Loans and leases, net of unearned income and allowance..........454,600
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................19,478
7. Other real estate owned.............................................1,128
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Direct and indirect investments in real estate ventures.................0
10a.Intangible assets:................................................6,808
11.Other assets.......................................................29,974
12.Total assets......................................................662,392

LIABILITIES

13.Deposits:
   a. In domestic offices............................................559,272
      (1) Noninterest-bearing.........................................152,250
      (2) Interest-bearing...........................................407,022
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................379
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................20,000
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................9,097
19.Total liabilities.................................................588,748

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................12,995
23.Retained earnings...................................................60,240
24.Accumulated and other comprehensive income..........................-1,271
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................73,644
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................73,644
29.Total liabilities and equity capital...............................662,392

03-31-18

REPORT OF CONDITION: 03-31-18

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

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................7,210
   b. Interest-bearing balances.......................................37,467
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................124,924
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...................................2,214
   a. Loans and leases, net of unearned income.......................435,666
   b. LESS: Allowance for loan and lease losses........................5,174
   c. Loans and leases, net of unearned income and allowance..........430,492
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................19,625
7. Other real estate owned.............................................1,128
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.........................1,839
11.Other assets.......................................................29,088
12.Total assets......................................................658,207

LIABILITIES

13.Deposits:
   a. In domestic offices............................................572,663
      (1) Noninterest-bearing.........................................148,246
      (2) Interest-bearing...........................................424,417
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................1,164
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................0
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................8,207
19.Total liabilities.................................................582,034

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................12,995
23.Retained earnings...................................................62,559
24.Accumulated and other comprehensive income..........................-1,061
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................76,173
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................76,173
29.Total liabilities and equity capital...............................658,207

12-31-17

REPORT OF CONDITION: 12-31-17

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF DECEMBER 31, 2017(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................11,537
   b. Interest-bearing balances.......................................21,291
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................124,607
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...................................1,251
   a. Loans and leases, net of unearned income.......................429,249
   b. LESS: Allowance for loan and lease losses........................5,075
   c. Loans and leases, net of unearned income and allowance..........424,174
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................19,716
7. Other real estate owned.............................................1,128
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.........................1,859
11.Other assets.......................................................29,448
12.Total assets......................................................639,231

LIABILITIES

13.Deposits:
   a. In domestic offices............................................535,067
      (1) Noninterest-bearing.........................................144,317
      (2) Interest-bearing...........................................390,750
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................589
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................20,000
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................7,602
19.Total liabilities.................................................563,258

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................12,995
23.Retained earnings...................................................61,832
24.Accumulated and other comprehensive income..........................-534
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................75,973
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................75,973
29.Total liabilities and equity capital...............................639,231

09-30-17

REPORT OF CONDITION: 09-30-17

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF SEPTEMBER 30, 2017(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................8,189
   b. Interest-bearing balances.......................................48,078
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................175,763
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...................................1,227
   a. Loans and leases, net of unearned income.......................430,241
   b. LESS: Allowance for loan and lease losses........................4,991
   c. Loans and leases, net of unearned income and allowance..........425,250
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................19,790
7. Other real estate owned.............................................1,187
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.........................1,876
11.Other assets.......................................................25,164
12.Total assets......................................................710,744

LIABILITIES

13.Deposits:
   a. In domestic offices............................................594,902
      (1) Noninterest-bearing.........................................146,957
      (2) Interest-bearing...........................................447,945
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................458
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................30,000
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................9,476
19.Total liabilities.................................................634,836

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................12,995
23.Retained earnings...................................................60,531
24.Accumulated and other comprehensive income..........................702
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................75,908
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................75,908
29.Total liabilities and equity capital...............................710,744

06-30-17

REPORT OF CONDITION: 06-30-17

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF JUNE 30, 2017(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................6,566
   b. Interest-bearing balances.......................................19,774
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................124,889
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...................................2,828
   a. Loans and leases, net of unearned income.......................418,001
   b. LESS: Allowance for loan and lease losses........................4,946
   c. Loans and leases, net of unearned income and allowance..........413,055
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................18,747
7. Other real estate owned.............................................1,437
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.........................1,868
11.Other assets.......................................................25,498
12.Total assets......................................................618,892

LIABILITIES

13.Deposits:
   a. In domestic offices............................................504,584
      (1) Noninterest-bearing.........................................144,690
      (2) Interest-bearing...........................................359,894
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................386
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................30,000
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................9,039
19.Total liabilities.................................................544,009

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................12,995
23.Retained earnings...................................................59,470
24.Accumulated and other comprehensive income..........................738
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................74,883
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital..............................................74,883
29.Total liabilities and equity capital...............................618,892

03-31-17

REPORT OF CONDITION: 03-31-17

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF MARCH 31, 2017(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................7,648
   b. Interest-bearing balances.......................................19,297
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................125,106
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...................................1,222
   a. Loans and leases, net of unearned income.......................392,862
   b. LESS: Allowance for loan and lease losses........................4,954
   c. Loans and leases, net of unearned income and allowance..........387,908
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................17,055
7. Other real estate owned.............................................841
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.........................1,860
11.Other assets.......................................................24,839
12.Total assets......................................................589,996

LIABILITIES

13.Deposits:
   a. In domestic offices............................................469,943
      (1) Noninterest-bearing.........................................139,884
      (2) Interest-bearing...........................................330,059
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................372
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................40,000
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................7,306
19.Total liabilities.................................................517,621

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................12,995
23.Retained earnings...................................................57,708
24.Accumulated and other comprehensive income..........................-8
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................72,375
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................72,375
29.Total liabilities and equity capital...............................589,996

12-31-16

REPORT OF CONDITION: 12-31-16

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF DECEMBER 31, 2016(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................13,258
   b. Interest-bearing balances.......................................11,601
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................146,251
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...................................1,104
   a. Loans and leases, net of unearned income.......................357,899
   b. LESS: Allowance for loan and lease losses........................5,129
   c. Loans and leases, net of unearned income and allowance..........352,770
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................15,887
7. Other real estate owned.............................................776
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.........................1,894
11.Other assets.......................................................25,167
12.Total assets......................................................572,928

LIABILITIES

13.Deposits:
   a. In domestic offices............................................453,752
      (1) Noninterest-bearing.........................................131,596
      (2) Interest-bearing...........................................332,156
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................786
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................40,000
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................7,312
19.Total liabilities.................................................501,850

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................12,995
23.Retained earnings...................................................56,742
24.Accumulated and other comprehensive income..........................-339
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................71,078
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................71,078
29.Total liabilities and equity capital...............................572,928

09-30-16

REPORT OF CONDITION: 09-30-16

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF SEPTEMBER 30, 2016(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................9,227
   b. Interest-bearing balances.......................................24,376
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................118,592
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...................................2,384
   a. Loans and leases, net of unearned income.......................348,707
   b. LESS: Allowance for loan and lease losses........................5,131
   c. Loans and leases, net of unearned income and allowance..........343,576
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................15,135
7. Other real estate owned.............................................783
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.........................1,919
11.Other assets.......................................................23,704
12.Total assets......................................................543,916

LIABILITIES

13.Deposits:
   a. In domestic offices............................................422,748
      (1) Noninterest-bearing.........................................139,032
      (2) Interest-bearing...........................................283,716
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................1,550
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................40,000
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................8,641
19.Total liabilities.................................................472,939

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................12,995
23.Retained earnings...................................................54,986
24.Accumulated and other comprehensive income..........................1,316
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................70,977
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................70,977
29.Total liabilities and equity capital...............................543,916

06-30-16

REPORT OF CONDITION: 06-30-16

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF JUNE 30, 2016(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................8,213
   b. Interest-bearing balances.......................................9,975
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................125,319
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...................................2,389
   a. Loans and leases, net of unearned income.......................328,895
   b. LESS: Allowance for loan and lease losses........................5,087
   c. Loans and leases, net of unearned income and allowance..........323,808
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................15,038
7. Other real estate owned.............................................1,319
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.........................1,895
11.Other assets.......................................................23,397
12.Total assets......................................................515,573

LIABILITIES

13.Deposits:
   a. In domestic offices............................................405,593
      (1) Noninterest-bearing.........................................133,071
      (2) Interest-bearing...........................................272,522
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................2,225
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................30,000
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................7,961
19.Total liabilities.................................................445,779

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................12,995
23.Retained earnings...................................................53,745
24.Accumulated and other comprehensive income..........................1,374
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................69,794
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................69,794
29.Total liabilities and equity capital...............................515,573

03-31-16

REPORT OF CONDITION: 03-31-16

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF MARCH 31, 2016(IN THOUSANDS)

ASSETS

1. Cash and balances due:
   a. Noninterest-bearing balances..........................6,886
   b. Interest-bearing balances.......................................4,450
2. Securities:
   a. Held-to-maturity securities..........................................0
   b. Available-for-sale securities...................................130,299
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...................................1,601
   a. Loans and leases, net of unearned income.......................309,589
   b. LESS: Allowance for loan and lease losses........................5,198
   c. Loans and leases, net of unearned income and allowance..........304,391
5. Trading assets..........................................................0
6. Premises and fixed assets..........................................15,064
7. Other real estate owned.............................................1,372
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.........................1,874
11.Other assets.......................................................23,029
12.Total assets......................................................493,186

LIABILITIES

13.Deposits:
   a. In domestic offices............................................395,239
      (1) Noninterest-bearing.........................................127,023
      (2) Interest-bearing...........................................268,216
14.Federal funds purchased 
   a. Federal funds purchased............................................0
15.a. Securities sold under agreements to repurchase....................2,248
   b. Trading liabilities..............................................0
16.Other borrowed money...............................................20,000
17.Subordinated notes and debentures.......................................0
18.Other liabilities...................................................7,670
19.Total liabilities.................................................425,157

EQUITY CAPITAL

20.Perpetual preferred stock and related surplus...........................0
21.Common stock........................................................1,680
22.Surplus.............................................................12,995
23.Retained earnings...................................................52,303
24.Accumulated and other comprehensive income..........................1,051
25.Other equity capital components.....................................0
26.Total bank equity capital..........................................68,029
27.Noncontrolling (minority) interests in consolidated subsidiaries....0
28.Total equity capital...............................................68,029
29.Total liabilities and equity capital...............................493,186