Access National Corporation (ANC) is a bank holding company. The Company has two wholly owned subsidiaries: Access National Bank (the Bank), and Access National Capital Trust II. The Bank provides credit, deposit, mortgage services and wealth management services to middle market commercial businesses. The Company operates in three segments: traditional commercial banking, mortgage banking, and wealth management. Commercial banking operations consist of interest earned on loans and securities and fees from deposit services. Mortgage banking operations consist of interest earned on mortgage loans held for sale, gains on sales of loans in the secondary mortgage market, and loan origination fee income. Wealth management operations consist principally of advisory fees related to its wealth management services. The commercial banking segment provides the mortgage banking segment with the short-term funds needed to originate mortgage loans through a warehouse line of credit.