San Angelo
Main Ofﬁce
301 W . Beauregard
San Angelo, T exas 76903
Chartered 1997 
Branch
3471 Knickerbocker
San Angelo, T exas 76904 
Senior Ofﬁcers
Michael L. Boyd
President and Chief Executive Ofﬁcer
David Byrd
Executive Vice President and Trust Ofﬁcer
Robert Pate
Executive Vice President
Katherine Reeves
Executive Vice President and Cashier
Directors
Dal DeWees
Chairman of the Board
George Alexander
Partner, Alexander Construction Company
Michael L. Boyd
President and Chief Executive Ofﬁcer
W. Dan Cravy, M.D.
Physician
David B. Drake
Investment Advisor
F. Scott Dueser
First Financial Bankshares, Inc.
Doug Eakman
Owner, Pecos Street Pharmacy
Joe Henderson
President, Porter Henderson Implement 
Company, Inc.
Robert D. Housley
President and Owner,
Housley Communications
Jim Johnson
Shannon, Porter, Johnson, Pﬂuger, 
Davis & Joynton, LLP
David F . Lupton
President, Angelo Glass & Mirror 
Company, Inc.
Kenneth T. Murphy
First Financial Bankshares, Inc.
Bill Pﬂuger
Rancher
Richard W. Salmon
Investments
John E. Schwartz, Sr.
Farmer/Rancher
F.L. (Steve) Stephens
Retired Chairman and Chief Executive Ofﬁcer,
Town & Country Food Stores, Inc.
Assets $303,124 $299,808
Loans 115,450 110,685
Deposits 251,931 257,212
Equity 30,634 27,986
Net Income 4,917 4,167
Trust Assets 144,047 129,471
Return on Average Assets 1.70% 1.46%
Return on Average Equity 16.48 15.13
IN THOUSANDS December 31, 2002 December 31, 2001
San Angelo National Bank
24%Tom Green County Deposit Market Share
19
Michael L. Boyd
President and 
Chief Executive Ofﬁcer