American National Bank & Trust

Overview / Commentary

www.amnat.com

940-397-2300

2732 Midwestern Parkway
Wichita Falls, TX 76308

American National Bank & Trust is headquartered in Wichita Falls and is the 87^th largest bank in the state of Texas. It is also the 1,039^th largest bank in the nation. It was established in 1976 and as of December of 2018, it had grown to 180 employees at 9 locations. American National Bank & Trust's money market rates are 3X the national average, and it has an A health rating.

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Health

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	22373
Year Established	1976
Employees	180
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.12%
Return on Equity - YTD	9.98%
Annual Interest Income	$27.3MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$732.3MM$639.2MM
Loans	Q4 2018vs Q4 2017	$536.6MM$425.4MM
Deposits	Q4 2018vs Q4 2017	$625.7MM$535.1MM
Equity Capital	Q4 2018vs Q4 2017	$77.0MM$76.0MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$5.6MM$5.1MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$4.6MM$5.3MM
Real Estate Owned	Q4 2018vs Q4 2017	$1.2MM$1.1MM

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

American National Bank & Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.09%^*	$100k^*	-	Health Savings Accounts
OTHER TIERS: 0.05% → $500 - $2.5k \| 0.20% → $2.5k - $25k \| 0.30% → $25k - $50k \| 0.65% → $50k - $75k \| 1.02% → $75k - $100k
0.08%	$100	-	Savings Account
0.08%	$1	-	Student Savings Account

American National Bank & Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.11%^*	$100k^*	-	Money Market Gold
OTHER TIERS: 0.25% → Up to $25k \| 0.35% → $25k - $50k \| 0.70% → $50k - $75k \| 1.06% → $75k - $100k
1.09%^*	$100k^*	-	Money Market Fund
OTHER TIERS: 0.05% → $500 - $2.5k \| 0.20% → $2.5k - $25k \| 0.30% → $25k - $50k \| 0.65% → $50k - $75k \| 1.02% → $75k - $100k

American National Bank & Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$2.5k^*	-	Super Now Account
OTHER TIERS: 0.05% → $500 - $2.5k
0.10%^*	$25k^*	-	Business Interest Checking
OTHER TIERS: 0.05% → $1k - $5k \| 0.08% → $5k - $25k
0.10%^*	$25k^*	-	Champion Elite Checking
OTHER TIERS: 0.05% → $1k - $5k \| 0.08% → $5k - $25k

American National Bank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.58%	$1k	-	5 Year CD
2.53%	$1k	-	4 Year CD
2.48%	$1k	-	3 Year CD
2.32%	$1k	-	2 Year CD
2.02%	$1k	-	1 Year CD
1.41%	$250k	-	270 Day CD
1.36%	$250k	-	210 Day CD
1.11%	$1k	-	180 Day CD
0.75%	$250k	-	150 Day CD
0.60%	$250k	-	120 Day CD
0.40%	$1k	-	90 Day CD
0.30%	$250k	-	60 Day CD
0.26%	$1k	-	30 Day CD

American National Bank & Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.57%	$200	-	5 Year IRA
2.52%	$200	-	4 Year IRA
2.47%	$200	-	3 Year IRA
2.32%	$200	-	2 Year IRA
2.32%	$200	-	2 Year Variable IRA
2.02%	$200	-	1 Year IRA
0.40%	$200	-	3 Month IRA

Locations

American National Bank & Trust Locations
Archer City Branch	111 S. Center	Archer City, TX 76351
Flower Mound Branch	1201 Cross Timbers Road	Flower Mound, TX 75028
Elmwood Branch	1920 Elmwood Ave N.	Wichita Falls, TX 76308
219 West Park Branch	219 West Park	Iowa Park, TX 76367
American National Bank & Trust	2732a Midwestern Parkway	Wichita Falls, TX 76308
Downtown Wichita Falls Branch	719 Scott Ave	Wichita Falls, TX 76301
The First National Bank Of Chillicot	200 Avenue H	Chillicothe, TX 79225
Quanah Branch	111 West Fourth Street	Quanah, TX 79252
Fort Worth Branch	1500 West 7th Street	Fort Worth, TX 76102

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