On January 23, 2020, American National Bankshares Inc. (“the Company”) reports earnings for fourth quarter 2019.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits:

AMERICAN NATIONAL BANKSHARES INC. Exhibit
EX-99.1 2 earningsreleaseq4-2019xfin.htm EXHIBIT 99.1 Exhibit Exhibit 99.1FOR IMMEDIATE RELEASE  Contact:    Jeffrey W. Farrar Executive Vice President,…
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About AMERICAN NATIONAL BANKSHARES INC. (NASDAQ:AMNB)

American National Bankshares Inc. is a one-bank holding company. American National Bank and Trust Company (the Bank) is the only banking subsidiary of the Company. The Company operates through two segments: community banking, and trust and investment services. Community banking involves making loans to and generating deposits from individuals and businesses. All assets and liabilities of the Company are allocated to community banking. Investment income from securities is also allocated to the community banking segment. Loan fee income, service charges from deposit accounts and non-deposit fees, such as automated teller machine fees and insurance commissions generate additional income for community banking. Trust and investment services include estate planning, trust account administration, investment management and retail brokerage. Investment management services include purchasing equity, fixed income and mutual fund investments for customer accounts.