Abigail Adams National Bancorp, Inc. (the “Company”) is a Delaware-chartered
bank holding company which conducts business through its two wholly-owned bank
subsidiaries, The Adams National Bank (“ANB”) and Consolidated Bank & Trust
Company (“CBT”) (collectively, the “Banks”). ANB serves the nation’s capital
through six full-service offices located in Washington, D.C. and Maryland. CBT
serves the Richmond and Hampton, Virginia market areas through three full
service offices. The Company is subject to regulation by the Board of Governors
of the Federal Reserve System (the “Federal Reserve Board”) and ANB is regulated
by the Office of the Comptroller of the Currency. CBT is regulated by the
Federal Reserve Board and the Bureau of Financial Institutions of the
Commonwealth of Virginia (“Bureau of Financial Institutions”).  ...