A Word from the CEO

I'm sure you're like me and have often heard "The times, they are a changing" saying to describe many different events. I also know that all of you know exactly of the unprecedented times I'm referring to when I mention the banking, credit, or financial crisis our world currently finds itself battling. Thankfully, San Antonio National Bank continues to perform well, increasing in assets, loans, and deposits over the course of the last quarter. The Bank also continues to be very well capitalized and is fortunate to not have the types of instruments which have wreaked havoc to many financial institutions thus far. My hope in telling you this is to reassure you that while the world may seem upside down, the leadership of our Board and Management continues to work hard to ensure all of you the safety and soundness of a Nationally Chartered Bank.

Please take comfort in knowing that your money and future is safe here at SANB. We will continue to make every effort to guarantee this for all of our customers no matter how large or small the relationship, because I believe that what sets us apart from others is, we care about you and your business.

Kenny Koncaba
Chairman of the Board
President & CEO
San Antonio National Bank
45 NE Loop 410, Suite 500
San Antonio, TX 78216