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Lending Policy

It is the objective of Amarillo National Bank to make loans for productive purposes which are consistent with sound credit principles and which are in the best interests of the bank, its stockholders, its customers, and the community. It is the intention of the bank that its lending power will be used to promote growth in its demand deposit base, thereby increasing the bank's ability to produce future earnings growth, as well as promote the economic growth of its community and trade area. The bank's lending resources will be allocated in a manner consistent with prevailing or anticipated economic and money market conditions in accordance with sound bank asset management practices. In addition, the bank recognizes that they have a continuing and affirmative obligation to help meet the credit needs of its trade area, and will not discriminate against any applicant on a prohibited basis with respect to any aspect of the credit transaction.

The bank's trade area will be considered to be:

  • Primary Trade Area — Potter-Randall Counties, Hutchinson-Carson Counties, SMSA.
  • Secondary Trade Area — General trade territory, roughly defined as 150 mile radius.
  • Tertiary Trade Area — Those areas of our "downstream" correspondent banks where overline requests are generated.

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