2019
STATEMENT
OF CONDITION

TO OUR CUSTOMERS, SHAREHOLDERS, AND NEIGHBORS:

In 2018, we marked 143 years in business—more importantly, that’s 143 years of serving the financial needs of North Texans. Since 1875, we’ve been dedicated to helping businesses grow, families prosper, and communities thrive. And we remain one of the largest, independent banks in Texas with over $3 billion in assets and more than 30 area locations.

As I looked back over the last year, many of our most important accomplishments centered on a key theme: investing (and re-investing) in our customers, our communities, and our company. From adding new products and solutions to expanding our footprint to upgrading our technology platforms, we’ve launched transformational initiatives that make us a better bank.

For our business customers, these improvements are centered around solutions that help you start, grow, and manage your business. We’ve implemented a new lending platform to streamline and simplify our commercial loan process. Additionally, we’ve started working on similar foundational enhancements—both in branch and online—to our business and treasury management systems. 

We’re continuing to make investments and advancements to make it easier for our customers to do business.”

For our consumer customers, we continue to enhance our digital platforms, improving our online and mobile banking optionsand working to finalize a new consumer loan portal. We’ve also implemented new training programs as well as rigorous service standards for our retail banking centers. And last September, we finalized the acquisition of First State Bank of Mesquite and completed the transition to ANBTX. We’re excited to have an additional location for our customers and be back in the Mesquite community. 

Lastly, we were recognized by our employees—for the ninth time—as one of the Top 100 Places to Work in DFW. We know our employees are our greatest asset, and we appreciate their continued support and recognition. 

As we continue to see numerous changes in the banking industry and we make needed enhancements as a Community Bank in a Digital World™, our personal approach to banking—and our customers—has not changed. We’re a local, community bank, and we’ll continue to provide the solutions, service, and support you’ve come to expect from us. Thank you for allowing us to serve you and be your bank for life.

Consolidated Statement of Condition

(000’S) – UNAUDITED//CLOSE OF BUSINESS DECEMBER 31, 2018 & DECEMBER 31, 2017

Assets 2018   2017
Cash & Due From Banks $149,753   $77,515
Investment Securities $929,432   $830,878
Loans (net of valuation reserve) ($28,582 in 2018 & $27,063 in 2017) $1,902,960   $1,813,062
Federal Funds Sold $0   $0
Premises & Equipment $49,956   $46,666
Accured Income $12,652   $12,589
Other Assets $111,287   $102,413
Total Assets $3,156,040   $2,883,123
Liabilities & Capital Funds      
Non-Interest Bearing Deposits $952,623   $894,075
Non-Interest Bearing Public Deposits $190,104   $179,582
Interest Bearing Deposits $1,344,490   $1,194,226
Interest Bearing Public Deposits $370,094   $274,994
Total Deposits $2,857,311   $2,542,877
Other Liabilities $22,497   $22,954
Fed Funds Purchase & Other Borrowed Money $0   $63,394
Total Liabilities $2,879,808   $2,629,225
Capital Accounts      
Capital Stock $2,500   $2,500
Surplus $100,943   $79,188
Undivided Proļ¬ts $188,173   $177,768
Unrealized Gain (Loss) Securities ($15,384)   ($5,558)
Total Capital Accounts $276,232   $253,898
Total Liabilities & Capital Accounts $3,156,040   $2,883,123
     

American National Bank Of Texas / 2019 Statement of Condition