AMERICO BANCSHARES, INC. ANNUAL STOCKHOLDERS MEETING AGENDA
JANUARY 21, 2020
*Call to Order Dr. John Moore
*Declare a Quorum
__________ Shares Present __________ Shares Represented by Proxy
583,883 Shares Outstanding __________ % Represented
*Minutes of Previous Meeting (1-15-19) Dr. John Moore
*2019 Annual Review Arnold
*Election of Directors: Dr. John Moore
James Arnold Mike Cunningham Jon Hockenyos Steve McGavock Andy Meyercord James S. Moore John Moore, MD Todd Moore Jim Nolen, Jr Loyd Rinehart Robert Shapiro Melissa Thoveson Powell Thompson
*Election of Officers: Dr. John Moore
John M. Moore - Chairman of the Board Powell Thompson – Vice Chairman James Arnold - President Johnny McCowen – Treasurer Tracy Riddle - Secretary
*Ratify Actions Dr. John Moore
*Insurance Coverage Review McCowen
*Adjourn
AMERICO BANCSHARES, INC. ANNUAL STOCKHOLDERS MEETING
January 15, 2019
Chairman John Moore, MD called the meeting to order at 10 A.M. on January 15, 2019. There were 474,371 shares represented in person/video/phone, 13,715 shares represented by proxy or 84% of total outstanding shares. A quorum was declared. Shareholders in attendance in person, by video, or by phone were Americo Bancshares ESOP (Johnny McCowen, Trustee), Don Bell, Mike Cunningham, Barbara Gann, Hilltop Securities (John Moore), JPM Interests Ltd & II Ltd (James S Moore), Johnny McCowen, Steve McGavock, Todd Moore, John Moore, MD, Jim Nolen, John Ross Phillips, Rebecca Phillips, Phyllis A Moore Trust (James S Moore), Loyd Rinehart, Robert Shapiro Family Trust, Gerald Smith, Brick Sudderth, Powell Thompson, Melissa Thoveson, and Martha Vaughn. James Arnold, Bill Adkins, Troy Melcher, Tracy Riddle and Monique Love were also in attendance. Minutes of the January 9, 2018 meeting were reviewed. The minutes were approved as presented. A letter to shareholders from Powell Thompson and 2018 unaudited financial statements for Americo Bancshares, Inc. were given to each Stockholder in attendance. Powell Thompson reviewed the Letter to Shareholders in detail, a copy of which is attached to these minutes. Chairman Moore noted the positive increase in shareholder value in 2018 and stated that the bank is well positioned for the upcoming year. He noted that the bank’s executive management team remains strong. He also noted that asset quality is solid and non-interest income continues to be a focus, including reestablishing a mortgage division. The tax cuts were impactful to the bottom line. Chairman Moore stated that higher dividends will be considered when the bank’s leverage capital ratio reaches 10% A motion was made by Loyd Rinehart, seconded by Powell Thompson, to elect Mike Cunningham, Steve McGavock, Jim Nolen, Bobby Shapiro, Loyd Rinehart, Melissa Thoveson, James S. Moore, John Moore, Todd Moore, Powell Thompson, Andy Meyercord, Jon Hockenyos and James Arnold to serve as directors for 2019. Motion was unanimously approved. A motion was made by Steve McGavock, seconded by Mike Cunningham, to elect John Moore as Chairman of the Board, Powell Thompson as Vice Chairman, Johnny McCowen as Treasurer, and Tracy Riddle as Secretary for Americo Bancshares, Inc. The motion carried with no opposition. Loyd Rinehart made a motion to ratify and approve all official, legal acts of the Directors and Officers of Americo Bancshares, Inc. for the year 2018. The motion was seconded by Steve McGavock and carried with no opposition. Johnny McCowen reviewed with the stockholders the entire range of insurance coverages for the American Bank of Commerce and Americo Bancshares, Inc. for adequacy. A detailed outline of all the coverage was circulated for review, and added as a part of these minutes. There being no further business, the meeting was adjourned.
POLICY COMPANY LIMIT OF Deductible/ EXPIRATION PREMIUM PURCHASED THROUGH
LIABILITY Retention DATE (inc fees)
Workers Compensation Policy - Texas Traveler's $1,000,000 n/a Texas Bankers Insurance Agency
Workers Compensation Policy - Colorado Traveler's $1,000,000 n/a Texas Bankers Insurance Agency
Forced Place Property Policy JB Lloyd & Associates, LLC $1,000,000 Coverage based on value Premium based on Texas Bankers Insurance Agency
Foreclosed Property JB Lloyd & Associates, LLC $1,000,000 Coverage based on value number of properties
Flood Insurance Policy JB Lloyd & Associates, LLC max. limit $250,000 - residential Coverage based on value January 1, 2020 Premium based on Texas Bankers Insurance Agency
max. limit $500,000 - commercial Coverage based on value number of properties
Employers Comprehensive Notary $35,000 n/a December 1, 2020 $1,057.00 Texas Bankers Insurance Agency
Public Errors and Omissions Policy based on 48 notaries C N A Surety
Financial Institution Bond ABA Everest $7,000,000 $75,000 March 23,2020 $43,700.00 Texas Bankers Insurance Agency
(Standard Form No. 24) 3-yr term
Addition of Infinity Mortgage $725.00
Directors and Officers Liability ABA Everest $7,000,000 $75,000 March 23, 2020 $98,944.00 Texas Bankers Insurance Agency
combined aggregate with EPL, BPL, FL, LL Total Policy Limit - $16,000,000 3-yr term
Addition of Infinity Mortgage $1,861.00
Employment Practices Liability ABA Everest $3,000,000 $75,000 March 23, 2020 Inc in D&O premium Texas Bankers Insurance Agency
Bankers Professional Liability ABA Everest $3,000,000 $75,000 March 23, 2020 Inc in D&O premium Texas Bankers Insurance Agency
Fiduciary Liability ABA Everest $3,000,000 $25,000 March 23, 2020 Inc in D&O premium Texas Bankers Insurance Agency
Lender Liability ABA Everest $3,000,000 $75,000 March 23, 2020 inc in D&O premium Texas Bankers Insurance Agency
Cyber Liability Beazley $2,000,000 $25,000 March 23, 2020 $15,250.00 Texas Bankers Insurance Agency
Plastic Card Fraud AIG $10,000 per card $25,000
$500,000 single loss
$500,000 aggregate
Commercial Property Coverage Traveler's see below $1,000 May 15, 2020 $48,230.00 Texas Bankers Insurance Agency
* see branch breakdown for insured values
Addition of bank lot - Wolfforth $537.00 Texas Bankers Insurance Agency
Commercial General Liability Coverage Traveler's $2,000,000 n/a May 15, 2020 inc in Property premium Texas Bankers Insurance Agency
Commercial Inland Marine Coverage Traveler's included in Property Coverage inc in Property premium Texas Bankers Insurance Agency
Commercial Umbrella Traveler's $10,000,000 n/a May 15, 2020 $8,590.00 Texas Bankers Insurance Agency
Commercial Auto Coverage (inc reposessed auto) Traveler's $1,000,000 $500 May 15, 2020 $6,593.00 Texas Bankers Insurance Agency**
Increase of Repo Coverage to $150M $938.00 ** includes new Lincoln purchased Aug 2018
Mortgage Errors & Omissions (E&O) Traveler's $3,000,000 n/a May 21, 2020 $4,094.00 Texas Bankers Insurance Agency
Corporate Kidnap & Ransom/Extortion Insurance ABA Everest $3,000,000 n/a March 23, 2020 inc in D&O premium Texas Bankers Insurance Agency
Medallion Signature Guarantee STAMP Bond STS Program Management, Inc. $100,000 single n/a February 13, 2020 $1,200.00 Kemark Financial Svcs, Inc. Obligee
V# 73098 $200,000 aggregate n/a 3-yr term Westchester Fire Insurance Company
rev 5.2017
$25,000
AMERICO BANCSHARES, INC. dba AMERICAN BANK OF COMMERCECurrent Insurance Policies
$9,300.00September 15, 2020
May 4, 2020 $7,824.60
January 1, 2020
Texas Bankers Insurance Agency
2
TABLE OF CONTENTS
4 AMERICO BANCSHARES – BALANCE SHEET
5 AMERICO BANCSHARES – INCOME STATEMENT
6 AMERICO GRAPHS
7 AMERICO GRAPHS
9 ABC BANK – BALANCE SHEET & INCOME STATEMENT
10 ABC BANK GRAPHS
11 ABC BANK GRAPHS
12 ABC BANK GRAPHS
January 21, 2020
To Our Shareholders,
I am pleased to provide you with the financial performance for Americo Bancshares and its wholly
owned subsidiary, American Bank of Commerce for the year ending December 31, 2019. The year got
off to a fast start and in March of 2019, American Bank of Commerce purchased Infinity Mortgage
Holdings, LLC as a wholly owned subsidiary of the bank. Infinity is a free‐standing mortgage company
with locations in Austin, Colorado Springs, Dallas, Houston, Midland and Lubbock. Last year the
company booked over $200 million in mortgage loans. However, at this time, the company is closing out
their year and will not be included in our report to shareholders. We anticipate having Infinity Mortgage
fully consolidated into American Bank of Commerce by the end of this January.
2019 capped another good year for the holding company. Net income was just short of $10 million at
$9,801,153, a slight increase from last year. Total assets grew to $99,704,496, an increase of
$14,307,982, while liabilities decreased from $8,500,114 to $8,092,324. Total equity grew to
$99,704,496, yielding a book value of $153.74 per share, an increase of 16%.
Last year marked another year of earnings growth as American Bank of Commerce earned $10,092,839.
Currently, Infinity Mortgage Holdings is in the process of consolidating their Income Statement and
Balance Sheet into American Bank of Commerce, thus, the reported results do not reflect their financial
performance. The bank ended the year with total assets of $970,943,157, total liabilities of
$872,496,793, and equity of $98,446,363. As noted above, the bank exceeded $10 million in net income
resulting in a return on average assets of 1.05% and a return on average equity of 10.92%.
Asset quality remains excellent. Non‐performing assets remain low and the bank ended 2019 with no
OREO on the balance sheet.
Looking forward, the bank is opening a new location in the Park Cities area of Dallas in January of this
year. We enjoy strong economies across all our markets in Texas and Colorado with low unemployment,
solid job growth, and strong loan demand. We will continue to improve our bottom line by growing
loans and deposits, enhancing noninterest income through the addition of Infinity Mortgage and taking
opportunities to reduce expenses.
This performance is a direct result of the hard work and dedication of our board of directors, officers,
and employees. Their commitment to providing a good return to shareholders while maintaining a
healthy financial institution will allow us to remain an independent community bank for generations to
come.
Sincerely,
James Arnold
President & CEO American Bank of Commerce
3
BOARD OF DIRECTORS of Americo Bancshares, Inc.
John Moore, Chairman of the Board James S. Moore, Chairman Emeritus
Powell Thompson, Vice Chairman of the Board James Arnold, President
Mike Cunningham Jon Hockenyos
Steve McGavock Andy Meyercord
Todd Moore Jim Nolen
Loyd Rinehart Robert Shapiro
Melissa Thoveson
OFFICERS of Americo Bancshares, Inc.
John Moore - Chairman of the Board Powell Thompson - Vice Chairman
James Arnold - President Johnny McCowen - Chief Financial Officer
Tracy Riddle - Secretary
12
Follow us at American Bank of Commerce on Facebook.
Follow us @TheABCBank on Twitter.
Follow us at americanbankofcommerce on Instagram.
Follow us at American Bank of Commerce on LinkedIn.
Follow us at American Bank of Commerce on YouTube.
13
Results: A list of branches for your depository institution: AMERICAN BANK OF COMMERCE (ID_RSSD: 215662).
This depository institution is held by AMERICO BANCSHARES, INC. (1107193) of WOLFFORTH, TX.
The data are as of 12/31/2019. Data reflects information that was received and processed through 03/05/2020.
Reconciliation and Verification Steps
1. In the Data Action column of each branch row, enter one or more of the actions specified below
2. If required, enter the date in the Effective Date column
Actions
OK: If the branch information is correct, enter 'OK' in the Data Action column.
Change: If the branch information is incorrect or incomplete, revise the data, enter 'Change' in the Data Action column and the date when this information first became valid in the Effective Date column.
Close: If a branch listed was sold or closed, enter 'Close' in the Data Action column and the sale or closure date in the Effective Date column.
Delete: If a branch listed was never owned by this depository institution, enter 'Delete' in the Data Action column.
Add: If a reportable branch is missing, insert a row, add the branch data, and enter 'Add' in the Data Action column and the opening or acquisition date in the Effective Date column.
If printing this list, you may need to adjust your page setup in MS Excel. Try using landscape orientation, page scaling, and/or legal sized paper.
Submission Procedure
When you are finished, send a saved copy to your FRB contact. See the detailed instructions on this site for more information.
If you are e‐mailing this to your FRB contact, put your institution name, city and state in the subject line of the e‐mail.
Note:
To satisfy the FR Y‐10 reporting requirements, you must also submit FR Y‐10 Domestic Branch Schedules for each branch with a Data Action of Change, Close, Delete, or Add.
The FR Y‐10 report may be submitted in a hardcopy format or via the FR Y‐10 Online application ‐ https://y10online.federalreserve.gov.
* FDIC UNINUM, Office Number, and ID_RSSD columns are for reference only. Verification of these values is not required.
Data Action Effective Date Branch Service Type Branch ID_RSSD* Popular Name Street Address City State Zip Code County Country FDIC UNINUM* Office Number* Head Office Head Office ID_RSSD* Comments
OK Full Service (Head Office) 215662 AMERICAN BANK OF COMMERCE 530 EAST HIGHWAY 62 WOLFFORTH TX 79382 LUBBOCK UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Full Service 3252912 COLORADO SPRINGS BRANCH 434 S TEJON COLORADO SPRINGS CO 80903‐2112 EL PASO UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Limited Service 3717635 TEJON MOBILE BRANCH 434 SOUTH TEJON COLORADO SPRINGS CO 80903‐2112 EL PASO UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Full Service 3280876 PUEBLO BRANCH 1000 WEST 6TH STREET PUEBLO CO 81003 PUEBLO UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Full Service 3377525 BEN WHITE BLVD BRANCH 2201 WEST BEN WHITE BLVD AUSTIN TX 78704 TRAVIS UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Full Service 3541054 LAKELINE MALL BRANCH 10920 LAKELINE MALL DRIVE AUSTIN TX 78717 WILLIAMSON UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Full Service 3184675 NORTHCROSS BRANCH 2535 W ANDERSON LN AUSTIN TX 78757‐1180 TRAVIS UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Full Service 2387161 RIO GRANDE BRANCH 610 WEST 5TH STREET AUSTIN TX 78701‐2702 TRAVIS UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Full Service 3446878 SPICEWOOD SPRINGS ROAD BR 8668 SPICEWOOD SPRINGS RD AUSTIN TX 78759 WILLIAMSON UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Limited Service 3717653 WEST 5TH STREET MOBILE BRANCH 610 WEST 5TH STREET AUSTIN TX 78701‐2702 TRAVIS UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Full Service 3541045 WEST BRAKER LANE BRANCH 2243 WEST BRAKER LANE AUSTIN TX 78758 TRAVIS UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Limited Service 3717644 ADDISON MOBILE BRANCH 5050 QUORUM DRIVE, SUITE 100 DALLAS TX 75254 DALLAS UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Full Service 3234468 NORTH DALLAS BRANCH 5050 QUORUM DRIVE, SUITE 100 DALLAS TX 75254 DALLAS UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Full Service 3541036 50TH STREET BRANCH 3721 50TH STREET LUBBOCK TX 79413 LUBBOCK UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Full Service 2115092 82ND STREET BRANCH 8112 INDIANA AVE LUBBOCK TX 79423 LUBBOCK UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Full Service 3832547 NORTH LOOP BRANCH 4656 NORTH LOOP 289 LUBBOCK TX 79416 LUBBOCK UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
OK Limited Service 3541027 MOBILE BRANCH 530 EAST HIGHWAY 62 WOLFFORTH TX 79382 LUBBOCK UNITED STATES Not Required Not Required AMERICAN BANK OF COMMERCE 215662
FR Y-6Report Items 1 and 2
Form FR Y-6
Americo Bancshares, Inc. Wolfforth, TX 79382
Fiscal Year Ending December 31, 2019
Report Item: Annual Report to Shareholders
1: The bank holding company did prepare an annual report for its securities holders and is not registered with the SEC.
2 (a): Organization Chart
Americo Bancshares, Inc
Wolfforth, TX USA
Incorporated in Texas
LEI ‐ N/A
100% 100%
American Bank of Commerce Americo Funding Trust I
(ABC Bank) Wolfforth TX USA
Wolfforth, TX USA Incorporated in Delaware
Incorporated in Texas LEI N/A
LEI ‐ 5493006XE7ZLYUW25E11
100%
Infinity Mortgage Holdings LLC
Austin TX USA
LLC Organized in Delaware
LEI N/A
FR Y-6 Report Items 1 and 2
2 (b): Domestic branch listing is enclosed with this report; no changes required at this time.
FR Y-6 Report Item 3
Form FR Y-6 Americo Bancshares, Inc.
Fiscal Year Ending December 31, 2019
Report Item 3: Securities holders (1)(a)(b)(c) and (2)(a)(b)(c)
Current securities holders with ownership, control or holdings of 5% or more Securities holders not listed in (3)(1)(a) through (3)(1)(c) that had ownership, control or with power to vote as of 12-31-19 Holdings of 5% or more with power to vote during the fiscal year ending 12-31-18.
(1)(c) (2)(c) (1)(a) (1)(b) Number and Percentage of (2)(a) (2)(b) Number and Percentage of Name & Address Country of Citizenship Each Class of Voting Name & Address Country of Citizenship Each Class of Voting (City, State, Country) or Incorporation Securities (City, State, Country) or Incorporation Securities
James S. Moore USA 306,360 - 52.47% Common Stock N/A Lubbock, TX USA Rebecca A. Phillips USA 42,018 - 7.20% Common Stock Austin, TX USA John M. Moore, M.D. USA 31,000 - 5.34% Common Stock Dallas, TX USA James T. Moore USA 30,000 - 5.14% Common Stock Dallas, TX USA Melissa Thoveson USA 30,000 - 5.14% Common Stock Dallas, TX USA
FR Y-6 Report Item 4
Form FR Y-6 Americo Bancshares, Inc.
Fiscal Year Ending December 31, 2019 Report Item 4: Insiders (1), (2), (3)(a)(b)(c), and (4)(a)(b)(c)
(4)(c) List names of other companies (includes
(3)(c) partnerships) if 25% Title & Position (4)(b) or more of voting
(1) (2) (3)(b) with other (4)(a) Percentage of securities are held Name, Principal (3)(a) Title & Position Businesses Percentage of Voting Shares in (List names of City, State, Occupation if other Title & Position with Subsidiaries (include names Voting Shares in Subsidiaries companies and Country than with Bank with Bank Holding (include names of other Bank Holding (include names percentage of voting
Holding Company Company of subsidiaries) businesses) Company of subsidiaries) securities held)
Mike Cunningham Accountant Director Director (ABC Bank) Partner 0.35% N/A Wolfforth, TX USA Howard, Cunningham, HCH – 33.33%
Houchin & Turner, LLP
James S. Moore Banker Director Director (ABC Bank) Managing Partner 52.47% N/A JPM Interest, Wolfforth, TX USA JPM Interests, LTD LTD – 100%
Managing Partner JPM Interest, JPM Interests II, LTD II LTD – 100%
James Todd Moore Oil & Gas Manager Director Director (ABC Bank) President 5.14% N/A Kiowa – 100% Wolfforth, TX USA Kiowa Gas Company
President Mid-American Mid-American Resources, Inc. Res., Inc. – 100% President Alamosa Drilling Alamosa – 100% Managing Partner
MJT Properties LLC MJT – 100%
John M. Moore, M.D. Physician Director & Director & Owner 5.34% N/A Medical Practice Wolfforth, TX USA Chairman Chairman (ABC Bank) John M. Moore MD 100%
FR Y-6 Report Item 4
(4)(c) List names of other companies (includes (3)(c) partnerships) if 25% Title & Position (4)(b) or more of voting (1) (2) (3)(b) with other (4)(a) Percentage of securities are held Principal (3)(a) Title & Position Businesses Percentage of Voting Shares in (List names of Name, Occupation if other Title & Position with Subsidiaries (include names Voting Shares in Subsidiaries companies and City, State, than with Bank with Bank Holding (include names of other Bank Holding (include names percentage of voting Country Holding Company Company of subsidiaries) businesses) Company of subsidiaries) securities held)
Steve McGavock Auto Dealership Director Director (ABC Bank) President 0.91% N/A McGavock Inc – 100% Lubbock, TX USA Management / Partner McGavock Inc. Partner McGavock Nissan 85% McGavock Nissan Auto Group LLP Partner McGavock Auto Group McGavock Auto Group Mgmt LLC Mgmt – 50% Partner / Dealer McGavock Nissan McGavock Nissan Amarillo LLP Amarillo – 85% Partner / Dealer McGavock Nissan McGavock Nissan Abilene LLP Abilene – 50% Partner McGavock Nissan McGavock Nissan Amarillo Mgmt LLC Amarillo Mgmt - 50% Partner McGavock Nissan McGavock Nissan Abilene Mgmt LLC Abilene Mgmt - 50% Partner McGavock West Texas McGavock West Texas LP Lincoln Mercury LP Lin/Mercury- 85% Partner McGavock West Texas McGavock West Texas Mgmt LLC – Linc/Mercury Linc/Mercury – 50% Partner McGavock Family McGavock Family Land Co, LLC Land Co, LLC – 50% Partner McGavock Family McGavock Family Land Co of Amarillo Land of Ama – 85% Partner McGavock Family McGavock Family Land Co of Abilene Land of Abilene- 40% Partner McGavock So Georgia McGavock So Georgia Land Co LCC Land Co LCC– 100% Partner McGavock Nissan of McGavock Nissan of Wichita Mgmt LLC Wichita Mgmt – 50% James A Nolan Jr. CFO Consultant / Director Director (ABC Bank) President & CFO 0.09% N/A CFO Service 100% Austin, TX USA RE Investor CFO Services Inc. Partner 6401 DCC 6401 DCC Partnership Partner 50% Owner FMC Associates FMC Assoc. 100%
FR Y-6 Report Item 4
(4)(c) List names of other companies (includes (3)(c) partnerships) if 25% Title & Position (4)(b) or more of voting (1) (2) (3)(b) with other (4)(a) Percentage of securities are held Principal (3)(a) Title & Position Businesses Percentage of Voting Shares in (List names of Name, Occupation if other Title & Position with Subsidiaries (include names Voting Shares in Subsidiaries companies and City, State, than with Bank with Bank Holding (include names of other Bank Holding (include names percentage of voting Country Holding Company Company of subsidiaries) businesses) Company of subsidiaries) securities held)
Loyd Rinehart CFO Ag Data / Director Director (ABC Bank) Owner/CEO/CFO 0.09% N/A Lubbock, TX USA Insurance Marketing LDJ American Online 30% LDJ American Robert Shapiro RE Investor / Recycling Director Director (ABC Bank) President 0.09% N/A Austin, TX USA Austin Metal and Iron Austin Metal and Partner Iron – 55% Rocking Ranch Partnership Rocking Ranch - 49% E. Powell Thompson Banker Director & Director & Partner 1.89% N/A Triple T JV – 21% Wolfforth, TX USA President CEO (ABC Bank) Triple T JV Beneficiary E Powell Thompson Exempt Trust Exempt Trust 100% Lmt Partner Cross Your Fingers Oil Cross Your Fingers 60% Trustee E Powell Thompson Trust Thompson 100% Melissa Thoveson N/A Director Director (ABC Bank) N/A 5.14% N/A N/A Wolfforth, TX USA Johnny McCowen Banker Treasurer Sr Exec VP & CFO N/A 0.19% N/A N/A Wolfforth, TX USA (ABC Bank) Tracy Riddle Banker Secretary Sr Exec VP & COO N/A 0.00% N/A N/A Wolfforth, TX USA (ABC Bank)