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              [html]<thead><tr><tdrowspan="2"></td><tdcolspan="2">Actual</td><tdcolspan="2">Adequacy_Purposes :</td><tdcolspan="2">Action Provisions :</td></tr><tr><td>Amount</td><td>Ratio</td><td>Amount</td><td>Ratio</td><td>Amount</td><td>Ratio</td></tr></thead><tbody><tr><td>< underline > As of December 31.2002 :</ underline ></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><tdcolspan="7">Total Capital ( to Risk - Weighted Assets ):</td></tr><tr><td>Consolidated</td><td>$ 213.725.000</td><td>20 %</td><td>≥$ 8</td><td>7.579.000</td><td>≥ 8 %</td><td>N / A</td></tr><tr><td>N / A</td><td>First National Bank of Abilene</td><td>$ 68.874.000</td><td>17 %</td><td>≥$ 3</td><td>2.153.000</td><td>≥ 8 %</td></tr><tr><td>≥$ 40.191.000</td><td>≥ 10 %</td><td>San Angelo National Bank</td><td>$ 16.039.000</td><td>12 %</td><td>≥$ 1</td><td>0.816.000</td></tr><tr><td>≥ 8 %</td><td>≥$ 13.520.000</td><td>≥ 10 %</td><td>Weatherford National Bank</td><td>$ 19.758.000</td><td>18 %</td><td>≥$</td></tr><tr><tdcolspan="7">8.802.000</td></tr><tr><td>≥ 8 %</td><td>≥$ 11.002.000</td><td>≥ 10 %</td><td>Tier I Capital ( to Risk - Weighted Assets ):</td><td>Consolidated</td><td>$ 202.507.000</td><td>18 %</td></tr><tr><td>≥$ 4</td><td>3.790.000</td><td>≥ 4 %</td><td>N / A</td><td>N / A</td><td>First National Bank of Abilene</td><td>$ 64.971.000</td></tr><tr><td>16 %</td><td>≥$ 1</td><td>6.077.000</td><td>≥ 4 %</td><td>≥$ 24.115.000</td><td>≥ 6 %</td><td>San Angelo National Bank</td></tr><tr><td>$ 14.703.000</td><td>11 %</td><td>≥$</td><td>5.408.000</td><td>≥ 4 %</td><td>≥$ 8.112.000</td><td>≥ 6 %</td></tr><tr><tdcolspan="7">Weatherford National Bank</td></tr><tr><td>$ 18.757.000</td><td>17 %</td><td>≥$</td><td>4.401.000</td><td>≥ 4 %</td><td>≥$ 6.601.000</td><td>≥ 6 %</td></tr><tr><td>Tier I Capital ( to Average Assets ):</td><td>Consolidated</td><td>$ 202.507.000</td><td>11 %</td><td>≥$ 5</td><td>7.856.000</td><td>≥ 3 %</td></tr><tr><td>N / A</td><td>N / A</td><td>First National Bank of Abilene</td><td>$ 64.971.000</td><td>9 %</td><td>≥$ 2</td><td>0.626.000</td></tr><tr><td>≥ 3 %</td><td>≥$ 34.377.000</td><td>≥ 5 %</td><td>San Angelo National Bank</td><td>$ 14.703.000</td><td>5 %</td><td>≥$</td></tr></tbody>
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