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http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eightieth Annual  REPORT OF  THE  BANK COMMISSIONER   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  JUNE 30, 1994   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  4 ;*  Eightieth Report  /if I 1 !4  STATE OF ARKANSAS  OFFICE OF STATE BANK DEPARTMENT Ju ne 3 0 , 1 9 9 4 Honorable Jim Guy Tucker Governor of Arkansas Little Rock, Arkansas Governor Tucker: The Eightieth Annual Report of the Bank Commissioner of Arkansas is hereby v submitted pursuant to the provisions of Act 113 of 1913. The financial and ^statistical data contained in this report has been compiled from Reports of Condition and Income and other regulatory reports submitted to this office for 'hhe fiscal year ending June 30, 1994. ^vThe Department supervised 187 financial institutions as of June 30, 1994, including 181 state chartered commercial banks, two trust companies, one in d u s tria l loan institution, one non-profit corporation, and two county industrial ^development corporations. During fiscal year 1994, one state chartered ^institution was merged into an existing state chartered bank. One new charter r^yvas issued as a result of the conversion of a national banking institution to a >tate chartered bank. The assets of all institutions supervised totaled ,$13,108,026,000 at fiscal year end with $13,070,935,000 representing the assets of the state chartered commercial banks, a 7.53 percent increase >ver the $12,156,137,000 reported one year ago. In addition to the Institutions noted above, the Department also supervised 118 bank holding companies which own state chartered banks, and 85 trust departments operated by state chartered banks. The State Bank Department maintains a Strategic Plan which the Department's employees develop on an annual basis as a part of our Quality Management program. The goals and objectives encompass every facet of the Department's operation. The mission of the State Bank Department through Quality Management is to allocate available human and other resources existing in our Examination, Data Processing and Administrative Services Divisions to ensure the continuance of safe and sound financial practices in state chartered banking institutions. Cordially,  Bill J. Ford  Bank Commissioner http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eightieth Report  T A B L E OF C O N T E N T S  Legal H o lid a y s .................  2  Commissioners of The Bank D e partm ent......................................................  3  State Banking B o a rd ...................  4  Departmental R o s te r........................................................................................  5  New Bank Charters Approved  .......................................................................  9  New Branches A p p ro ve d .................................................................................  9  Fiscal Report of The Bank Department........................................................  13  Federal Supervisory Agencies.....................................................  14  Trade A ssociations........................................................................................  19  Consolidated Report of Condition of State Chartered Banks............................................................................  22  Consolidated Statement of State Chartered Trust Departments...........................................................  23  Consolidated Report of Condition of National B a n ks.............................................................................................  24  Capital to Average Assets Ratios ................................................................  25  National B a n ks................................................................................................ 32 Report of State Chartered Commercial B a n k s ............................................  36  Report of Other State Chartered Financial In s titu tio n s .................................................................................  128  Report of County Industrial Development Corporations  ........................  132  Commercial Banks Listed by C o u n ty ........................................................  134  Map of Arkansas C ounties..........................................................................  142  Bank Holding Com panies............................................................................  144  Abbreviations  185   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  2  Arkansas State Bank Department  LEGAL H O LID AYS  New Y e a r's .......................................................................................January 1  Robert E. Lee's Birthday .....................................  Third Monday in January  Martin Luther King's B irthd ay............ .................  Third Monday in January  George Washington's B irth d a y ...........................Third Monday in February  Memorial Day  .....................................  Independence Day ...............................................................................  July 4  Labor D a y ............................................  Veteran's Day .....................................  Thanksgiving D a y ................................ . . . .  Fourth Thursday in November  Christmas E v e ..................................... ...................................  December 24  Christmas D a y ..................................... ...................................  December 25  All Bills of Exchange, Drafts, or Promissory Notes, which shall become payable on a legal holiday shall be payable on the day next succeeding such holiday. In case any legal holiday falls on Sunday, the next succeeding Monday shall be a holiday in its stead.  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  3  Eightieth Report  COM MISSIONERS OF THE A R K A N S A S STATE BANK DEPARTMENT  No.  Date of Appointment  Name  Date Service Ended  1.  John M. D a v is ............ . . . October 6, 1913  October 3, 1918  2.  A. J. Reap  ................. . . . October 3, 1918  March 22, 191 9  3.  W. T. M axw e ll............ . . . March 22, 1919  4.  Charles McKee  .......... . September 1, 1921  July 28, 1925  5.  Loid Rainwater  .......... ..........July 28, 1925  February 8, 1927  6.  Walter E. T a y lo r.......... . .  February 8, 1927  January 10, 1933  7.  Marion W a s s o n .......... . . January 10, 1933  January 12, 1937  8.  Grover S. Jernigan . . . . . January 12, 1937  January 14, 1941  9.  Thomas W. Leggett . . . . January 14, 1941  February 1, 1949  10.  S. J. Dean  11.  Ed. I. McKinley, Jr.  12.  A. R. M e r r itt ............... . . . March 14, 1953  February 8, 1955  13.  Dick Simpson  March 2, 1967  14.  H. C. A d a m s ............... . . . .  15.  Don R. Clark (Acting) . . . . March 16, 1979  April 19, 1979  16.  B. J. Lambert, J r.......... . . . .  April 19, 1979  April 15, 1983  17.  Marlin D. Jackson  April 15, 1983  October 1, 1987  18.  Bill J. Ford   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  ................. . .  February 1, 1949  . . . December 31,1 949  ............ . .  . . . ....  February 8, 1955 March 3, 1967  ................. . . . October 1, 1987  September 1, 1921  December 31,1949 March 14, 1953  March 16, 1979  4  Arkansas State Bank Department  STATE BANKING BOARD MEMBERS  Mr. Bob Willett Smackover State Bank P. 0. Drawer 107 Smackover, Arkansas 71762 TELEPHONE: 725-3051 TERM EXPIRES: 12-31-94  Mr. Lindley V. Smith, Jr. Chairman Bank of Tuckerman P. 0. Box 700 Tuckerman, Arkansas 72473 TELEPHONE: 349-5155 TERM EXPIRES: 12-31-95  Mr. Robert Hill Vice Chairman P. 0. Box 385 Perryville, Arkansas 72126 TELEPHONE: 889-5116 TERM EXPIRES: 12-31-96  Mr. Larry G. Nelson Peoples Bank and Trust Company Drawer B Mountain Home, Arkansas 72653 TELEPHONE: 425-2166 TERM EXPIRES: 12-31-97  Mr. John Collins 1600 South Arch Little Rock, Arkansas 72206 TELEPHONE: 376-8296 TERM EXPIRES: 12-31-98  Ms. Joy Drummonds 107 West Henson Springdale, Arkansas 72764 TELEPHONE: 751-2183 TERM EXPIRES: 12-31-98   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eightieth Report  Arkansas State Bank Department 323 Center Street, Tower Building, Suite 500 Little Rock, Arkansas 72201-2613 (501)324-9019 FAX (501)324-9028  DEPARTM ENTAL ROSTER Bill J. Ford - Bank Commissioner  Don R. Clark - Assistant Bank Commissioner Examination and Regulation Regulatory Enforcement Actions Consumer Complaints State Banking Board  J. Phillip Price - Assistant Bank Commissioner Economic Development Quality Management  E X A M IN A TIO N A N D SUPERVISION DIVISION Luther Guinn and Julian E. Rainey - Chief Examiners Regulatory Examinations/Regulatory and Banking Procedures Bank Performance Evaluation and Monitoring Division Personnel/Recruitment and Management  Larry M. Hillyard - Assistant Chief Examiner Carolyn J. Bearden - Bank Holding Company Supervisor John B. Frazer - Regional Supervisor (Fayetteville) M. Diane Ivy - Regional Supervisor (Hot Springs)  H. Wilks Marshall - Assistant Chief Examiner Steve L. Bryan - Regional Supervisor (Little Rock) Richard D. Buzbee - Regional Supervisor (Little Rock) Baker L. Moseley - Regional Supervisor (Jonesboro) Thomas M. Narrell - Trust/Compliance Supervisor  Jacqueline Williams (Manager) and Benjamin Bigger - Financial Analysts Self Examination Reports of Condition and Income Research and Financial Analysis Public Information Requests Application Analysis   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  5  6  Arkansas State Bank Department  Janet Griebel - Training and Examination Services Manager Training/Orientation/Education Administrative Support  D A T A CENTER SERVICES Mitch L. Vire - Administrator / Christi L. Barker and Edward B. Thurston Systems Programmer Data Processing Support Research and Development Application Programming  CORPORATE A N D LEGAL DIVISION Candace A. Franks - Attorney Application Information Rules and Regulations Manual Charter Amendments and Charter Information Certificates of Good Standing Legal Filings and Inquiries  OFFICE A N D A D M IN IS T R A T IO N DIVISION Jacqulin J. Dicus - Director of Administrative Services Accounting and Employee Services Expense Disbursements Budget and Personnel Physical Plant and Equipment Administrative Support Performance Evaluation Division Personnel Recruitment  Jane R. English - Administrative Assistant I Lori A. Farr - Administrative Assistant II Martha A. Harris - Executive/Administrative Secretary Barbara A. Mahoney - Legal Secretary Terri M. Morgan - Accounting Administrative Secretary Marilyn R. Myers - Administrative Assistant I Cynthia L. Nixon - Administrative Assistant II Lisa K. Phillips - Accountant Brenda L. Strachan - Management Project Analyst Patricia L. Wallis - Accounting Supervisor  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  E ig h tie th R e p o rt  E X A M IN A T IO N PERSONNEL FA YETTEVILLE OFFICE 2 0 1 3 Green A cres Road 7 2 7 0 3 -2 6 1 8 P. O. Box 3 4 4 7 7 2 7 0 2 -3 4 4 7 Telephone Num ber: 4 4 2 -0 9 3 6 FAX N um ber: 4 4 2 -0 7 1 7  John B. Frazer - Regional Supervisor John A. Long - Bank Senior Examiner Jack M. Otten - Financial Examiner II John W. Ashby - Financial Examiner II Stanley J. Roberts - Financial Examiner I David M. Hannah - Financial Examiner I Donnalee T. Griswold - Financial Examiner Trainee Ron E. Branscum - Financial Examiner Trainee  H O T SPRINGS OFFICE 4 0 3 O uachita Avenue 7 1 9 0 1 - 5187 P. 0 . Box 9 4 0 71902- 0940 T elephone Num ber: 6 2 3 -0 0 4 8 FAX Num ber: 6 2 3 -0 2 7 3  M. Diane Ivy - Regional Supervisor P. Ted Finkbeiner, III - Bank Senior Examiner Michael G. Saunders - Bank Senior Examiner Blake W. Whitley - Bank Senior Examiner John A. Menotti - Financial Examiner II Todd D. Smith - Financial Examiner I Stacey D. Walter - Financial Examiner I Brent W. Godwin - Financial Examiner I  JONESBORO OFFICE 9 2 4 South Main 7 2 4 0 1 -3 5 9 7 P. 0 . Box 9 3 7 4 7 2 4 0 3 -9 3 7 4 Telephone N um ber: 9 7 2 -1 7 4 4 FAX Num ber: 9 7 2 -1 7 6 2  Baker L. Moseley - Regional Supervisor William R. Milum - Bank Senior Examiner Harold R. "Chip" Dortch, Jr. - Bank Senior Examiner William C. Roberts - Bank Senior Examiner Charles M. Stoddard - Financial Examiner II Gary W. Bush - Financial Examiner I Catherine L. Watson - Financial Examiner Trainee   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  7  8  Arkansas State Eiank Department  LITTLE ROCK Steve L. Bryan - Regional Supervisor Luke B. Webre - Bank Senior Examiner Gary C. Oltmann - Bank Senior Examiner Chris C. Wilson - Bank Senior Examiner Paula K. Wilson - Financial Examiner II Richard S. Plotkin - Financial Examiner II James E. Brain - Financial Examiner I James W. Wisener, Jr. - Financial Examiner I  LITTLE ROCK Richard D. Buzbee - Regional Supervisor Joe B. Vee - Bank Senior Examiner Jerry C. Corrothers - Bank Senior Examiner Mary C. Pennebaker - Bank Senior Examiner Robert L. Robinson - Financial Examiner II Robert M. Henry - Financial Examiner II Eric W. Townsend - Financial Examiner I Kim D. Hill - Financial Examiner I  TRUST/COMPUANCE Thomas M. Narrell - Trust/Compliance Supervisor Cindy L. Clanton - Bank Senior Examiner Jennifer M. Griffin - Financial Examiner I J. R. Andrews - Financial Examiner I   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  BANK HOLDING COMPANY Carolyn J. Bearden - BHC Supervisor Jim S. Gowen, Jr. - Financial Examiner I  Eightieth Report  NEW BANK CHARTERS APPROVED FIRST STUTTGART BANK AND TRUST COMPANY P. 0. Drawer 908 Stuttgart, Arkansas 72160-0908 (Conversion from national charter approved October 21, 1993.)  NEW BRANCHES APPROVED NAME OF BANK  NEW BRANCH LOCATION  Citizens First Bank Arkadelphia  108 North 26th Arkadelphia  Citizens First Bank Arkadelphia  144 Valley Street Caddo Valley  Citizens Bank Beebe  400 West Center Street Beebe  Citizens Bank Beebe  114 North Second Cabot  Citizens Bank Booneville  1663 East Main Booneville  Arkansas State Bank Clarksville  508 East Walnut Paris  Bank of Dardanelle Dardanelle  2424 West Main Street Russellville  Citizens First Bank El Dorado  9652 Strong Highway Strong  Citizens Bank of Northwest Arkansas Fayetteville  2025 North Crossover Road Fayetteville   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  9  10  Arkansas State Bank Department  NAME OF BANK  NEW BRANCH LOCATION  Mcllroy Bank & Trust Fayetteville  Highway 62 West Supercenter Fayetteville  Fordyce Bank & Trust Company Fordyce  103 West Magnolia Rison  The Bank of Glenwood Glenwood  Highway 270 and Cedar Street Mount Ida  Farmers Bank Greenwood  1308 West Center Greenwood  Mercantile Bank Hardy  ^  Highway 62 & 175 Hardy  First Jacksonville Bank and Trust Jacksonville  3166 Highway 367 South Cabot  Newton County Bank Jasper  HC 75, Box 21-B Marshall  First Bank of South Arkansas Junction City  1120 Washington Street Camden  Pine State Bank Kingsland  Third and Pine Streets Rison  River Valley Bank & Trust Lavaca  Main Street Charleston  River Valley Bank & Trust Lavaca  617 Broadway Van Buren  River Valley Bank & Trust Lavaca  2321 Industrial Park Road Van Buren  Buffalo Island Bank Leachville  214 East Kentucky Caraway  Central Bank & Trust Little Rock  3711 McCain Boulevard North Little Rock  Farmers Bank and Trust Company Magnolia  2106 North Jackson Magnolia   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighties Report  NAME OF BANK  NEW BRANCH LOCATION  Farmers Bank and Trust Company Magnolia  15064 Highway 132 Taylor  Bank of Malvern Malvern  Highway 84 West at Highway 7 Bismark  Union Bank And Trust Company Monticello  400 North Main Warren  Bank of Mountain View Mountain View  Highway 66 West Mountain View  Pike County Bank Murfreesboro  Highway 4 Dierks  Merchants & Planters Bank Newport  101 North Edmonds McCrory  The Twin City Bank North Little Rock  812 Oak Street Conway  The Twin City Bank North Little Rock  North First Street at Northgate Drive Jacksonville  Bank of Ozark Ozark  1010 West Main Clarksville  Southeast Arkansas Bank Parkdale  Highway 65 Eudora  The Perry County Bank Perryville  Highway 113 Bigelow  Bank of Pocahontas Pocahontas  1608 Highway 67 South Pocahontas  Portland Bank Portland  533 West Gaines Street Monticello  Springdale Bank and Trust Springdale  2100 South Thompson Springdale  The Farmers and Merchants Bank Stuttgart  Buena Vista Street Des Arc   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  12  Arkansas State Bank Department  NAME OF BANK  NEW BRANCH LOCATION  First Bank of Arkansas Trumann  405 North Illinois Harrisburg  The Scott County Bank Waldron  1200 Highway 71 North, Suite 100 Mena  The Arkansas Bank Walnut Ridge  Highway 63 West Imboden  First State Bank of Warren Warren  Highway 4 & 167 Hampton  The Bank of Yellville Yell ville  Highway 412/62 East Flippin   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eightieth Report  13  The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 1993 through June 30, 1994.  RECEIPTS Cash Balance June 30, 1993 Examination and Assessment Fees Charter and Amendment Fees . . Teller's Facility Application and all Protest Fees ................. Miscellaneous F e e s ...................... Reimbursement for M & R Sales . Warrant Cancellations . . . . . . . . Refund to Expenditure................. Voided Warrants ........................ Total Receipts  $1,443,363.09 4,103,184.92 . . 9,200.00 178,000.00 . 10,375.68 . . 6,183.75 . . 2,873.70 . . 6,626.03 . . . . 151.70 4,316.595.78 $5,759,958.87  DISBURSEMENTS Salaries.............................................................. 2,235,584.27 Maintenance and General Operation ............... 677,505.09 S.S., Retirement and Insurance Matching ......................................................... 563,595.78 Professional Services and F e e s........................... 77,956.08 Conference Fees and T ra v e l............................. 154,348.48 Capital Outlay ................. 205,403.64 Data Processing.................................................... 15,430.37 Proceeds from M & R .............. 6,183.75 Service Charge by State Treasurer .................... 64,355.78 4,000,363.24 Total Disbursements Cash Balance June 30, 1994 1.759.595.63 $5,759,958.87   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  14  Arkansas State Bank Department  FEDERAL DEPOSIT INSURANCE CORPORATION Memphis Regional Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 Telephone Number: (901) 685-1603 Fax Number: (901) 685-1846 Fax Number: (901) 682-5110 Cottrell L. Webster . James E. Cooper . . James F. Benner . . Joseph M. McGovern Ronny G. Parham . . Sylvia Horne Plunkett Phillip H. Schwartz .  ................. Regional . Deputy Regional Assistant Regional Assistant Regional Assistant Regional Assistant Regional ................. Regional  Director Director Director Director Director Director Counsel  Little Rock Field Office 3805 McCain Park Drive, Suite 112 North Little Rock, Arkansas 72116 P .O .B o x 16355 72231-6355 Telephone Number: (501) 758-7676 Fax Number: (501) 758-8095 Larry T. Tadlock ....................................................... Field Office Supervisor Memphis Field Office Building B, Suite 275 1355 Lynnfield Road Memphis, Tennessee 38119 Telephone Number: (901) 763-1775 Fax Number: (901) 763-4163 William W. Q u in n .................................................... Field Office Supervisor  Shreveport Field Office 1914 Citizens Drive Bossier City, Louisiana 71111 Telephone Number: (318) 746-8283 Fax Number: (318) 742-2451 Don R. Turner  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Field Office Supervisor  15  Eightieth Report  FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 411 Locust Street P. 0. Box 442 St. Louis, Missouri 63166 Telephone Number: (314) 444-8444 Thomas C. Melzer James R. Bowen  .. . . .  ..................................... ...................  President  First Vice President  ,.  ....................Senior Vice President  Henry H. Bourgaux . .  ....................Senior Vice President  Joan P. C ro n in ..........  ....................Senior Vice President  Mary H. K a r r ............  ................................Vice President General Counsel and Secretary  Richard E. Kay . . . . .  ................................Vice President Valuables Processing  Jean M. L o v a ti..........  ................................Vice President Information Systems  Raymond H. Laurence  ................................Vice President Payments and Customer Support  Martha L. Perine . . . .  ................................Vice President Accounting and Personnel  Michael D. Renfro . . .  ............................. General Auditor Audit  William G. Dewald  Kristi D. Short William J. Sneed Randall C. Sumner   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  . . . Vice President Electronic Services . . Vice President Support Services ................. Vice President Credit, Community Affairs and Account Monitoring  16  Arkansas State Bank Department  FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8  Little Rock Branch 325 West Capitol Avenue P. 0. Box 1261 Little Rock, Arkansas 72203-1261 Telephone Number: (501) 324-8300  Karl W. A sh m a n ............................................  Vice President and Manager  Thomas R. C a llaw ay.............................................Assistant Vice President Marilyn K. Corona  .........................................................Operations Officer  Memphis Branch 200 North Main Street P. 0. Box 407 Memphis, Tennessee 38101-0407 Telephone Number: (901) 523-7171  John P. Baumgartner  ................................... Vice President and Manager  A. C. Cremerious, J r.............................................. Assistant Vice President Michael R. Sinnett   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Operations Officer  Eightieth Report  17  COMPTROLLER OF THE CURRENCY Southwestern District Office 500 N. Akard 1600 Lincoln Plaza Dallas, Texas 75201-3394 Telephone Number: (214) 720-0656 Fax Number: (214) 720-7098 Dean S. Marriott  ................................... ........................ Deputy Comptroller  John A. Bodnar .  ................................  Randal Ryskamp .  District Administrator  ...............  Thomas M. Blyedbal . . Edward Graves  District Counsel  .................... Director for Administration ........................ Director for Bank Analysis  Gene Ferner..................................... .. William J. Suman ..........  Director for Compliance  .......... Director for Regional Bank Supervision  Oklahoma City Field Office 500 N. Akard 1600 Lincoln Plaza Dallas, Texas 75201-3394 Telephone Number: (214) 720-7006 Fax Number: (214) 720-7008 Kenneth I. Myers ........................................................... Field Office Director  Little Rock Duty Station 10201 W. Markham, Suite 105 Little Rock, Arkansas 72205 Telephone Number: (501) 225-7228 Fax Number: (501)225-2711 Debra Garland . . ..........................................................  Field Manager  F. Christian Dunn  Field Manager   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  18  Arkansas State Bank Department  COMPTROLLER OF THE CURRENCY Southeastern District Office Marquis One Tower, Suite 600 245 Peachtree Center Avenue, N.E. Atlanta, Georgia 30303 Telephone Number: (404) 659-8855 Fax Number: (404) 588-4532  Clifton A. Poole, Jr.  ..........Deputy Comptroller  Robert V. Ahrens . .  . . . . District Administrator  H. Gary Panned . . .  ................. District Counsel  William J. Abernathy  . . Director for Compliance and Bank Analysis  James P. Buff . . . .  Director for Administration  A. Duncan McFarlane  Director for Regional Banks  Central Field Office Marquis One Tower, Suite 600 245 Peachtree Center Avenue, N.E. Atlanta, Georgia 30303 Vernon E. Fasbender  Field Office Director  Northern Field Office Marquis One Tower, Suite 600 245 Peachtree Center Avenue, N.E. Atlanta, Georgia 30303 Field Office Director  Albert Wornum, Jr  Southern Field Office Marquis One Tower, Suite 600 245 Peachtree Center Avenue, N.E. Atlanta, Georgia 30303 James W. McPherson   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Field Office Director  Eightieth Report  19  A R K A N S A S BANKERS ASSO C IATIO N The Carvill Building 1220 West Third Street Little Rock, Arkansas 72201 Telephone Number: (501) 376-3741 Fax Number: (501) 376-9243  Dan G. Bailey  Executive Director  Wayne Clark ...................................................... ............................. Chairman & Chief Executive Officer The First National Bank of Berryville, Berryville  Curtis Hutchins ........................................................... .. Chairman, President & Chief Executive Officer Fordyce Bank & Trust Company, Fordyce  President  First Vice President  Howard M. Qualls .................................................... Second Vice President President & Chief Executive Officer The State First National Bank of Texarkana, Texarkana  Jim Jordan ...................................................................................... President & Chief Executive Officer Merchants and Planters Bank, N.A., Camden   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Treasurer  20  Arkansas State Bank Department  A R K A N S A S BANKERS A S SO C IA TIO N  YO UNG BANKER SECTION OFFICERS Richard M u n o z .................................................................................. Branch Manager The City National Bank of Fort Smith, Fort Smith  President  Todd B. T rim b le ........................................................... Senior Vice President Assistant Vice President Horatio State Bank, Horatio Kristi N o rris ............................................................................... Vice President Assistant Vice President The Twin City Bank, North Little Rock Patrick Stegall ..................................................................................Secretary Assistant Vice President The First National Bank of Wynne, Wynne Lisa Kimbrell .............................................................. Administration/Funds Management Simmons First National Bank, Pine Bluff Brad Joyce ................................ Assistant Vice President Arkansas State Bank, Clarksville   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Education Coordinator  Treasurer  21  Eightieth Report  A R K A N S A S C O M M U N IT Y BANKERS ASSO C IATIO N P. O. Box 206 Hot Springs, Arkansas 71951-0206 Telephone Number: (800) 771-1634 Fax Number: (501)525-0637 Richard G. T ra m m e ll..................................................... Executive Director Eugene L. M a r is ............................................................................ Chairman Bank of Little Rock, North Little Rock  President  Jim S. Gowen, Sr.................................................................... Vice President Chairman Merchants & Planters Bank, Newport Michael F. F lyn n ............................................................................... Secretary President American State Bank, Charleston Steve S ta ffo rd ..................................................................................Treasurer President First National Bank in Green Forest, Green Forest  A rkansas A s so cia tio n o f Bank H olding C om panies 103 West Capitol Avenue #1020 Little Rock, Arkansas 72201-5726 Telephone Number: (501) 374-2020 Fax Number: (501) 374-7334 Charlotte May P e rd u e ....................................................Executive Director James P. Jett ...............................................................................Chairman President & Chief Executive Officer Union Bank and Trust Company, Monticello Andrew T. Melton ................................................................Vice Chairman Executive Vice President & Chief Financial Officer Worthen Banking Corporation, Little Rock Ross M. Whipple ..........................................................................Treasurer Chairman Central Arkansas Bancshares, Inc., Arkadelphia  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  22  Arkansas State Bank Department  C O N S O L ID A T E D REPORT OF C O N D IT IO N OF THE 181 S T A T E C H A R T E R E D C O M M E R C IA L B A N K S  June 30, 1994 (OOO's om itted) ASSETS 1. 2. 3. 4.  5. 6. 7. 8. 9. 10. 11. 12.  Cash and Balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ............ $483,605 b. Interest-bearing balances ..................................................................90,419 Securities: a. Held-to-maturity securities.......................................................... 2,167,451 b. Available-for-sale se cu ritie s........................................................ 2,507,239 a. Federal funds s o ld .................................................................................151,976 b. Securities purchased under agreement to re s e ll.................................. 3,550 Loans and lease financing receivables: a. Loans and leases, net of unearned income ............................. 7,219,308 b. Less: Allowances for loan and lease lo s s e s .............................. 105,228 c. Less: Allocated transfer risk re se rv e ...........................................................0 d. Loans and leases, net of unearned income allowance, and rese rve ................................................................. 7,114,080 Assets held in trading a c c o u n ts ............................................................... 69,839 Premises and Fixed Assets (including capitalized le a se s)................... 230,102 Other real estate owned ........................................................................... 23,762 Investments in unconsolidated subsidiaries and associated companies .......................................................................1,378 Customers liability to this bank on acceptances outstanding .................................................................................0 Intangible assets ....................................................................................... 33,665 Other assets ............................................................................................ 193,869 Total a s s e ts ..........................................................................................$13,070,935  LIABILITIES 13.  14. 15. 16. 17. 18. 19. 20. 21. 22.  Deposits: a. In domestic o ffic e s .................................................................... $11,390,145 (1) Noninterest-bearing................................................................. 1,519,265 (2) Interest-bearing...................................................................... 9,870,880 b. In foreign offices, Edge and Agreement subsidiaries, and IB F s ................................................................................... 0 (1) Noninterest-bearing................................................................................ 0 (2) Interest-bearing........................................................................................0 a. Federal funds purchased.................................................................... 109,748 b. Securities sold under agreement to repurchase ............................. 117,489 Demand notes issued to the U.S. Treasury ................................................ 6,587 Other borrowed m o n e y ........................................................................... 140,583 Mortgage indebtedness and obligations under capitalized leases....................................................................................... 3,437 Bank's liability on acceptances executed and o u tsta n d in g ................................ 0 Notes and debentures subordinated to d e p o s its ......................................... 400 Other liab ilitie s............................................................................................ 69,763 Total liabilities ..................................................................................... 11,838,152 Limited-life preferred stock ................................................................................... 0  EQUITY CAPITAL 23. 24. 25. 26. 27. 28. 29.  Perpetual preferred s to c k .............................................................................. 12,416 Common s to c k .......................................................................................... 100,026 S u rp lu s ...................................................................................................... 391,728 a. Undivided profits and capital reserves ............................................ 756,466 b. Net unrealized holding gains (losses) on available-for-sale securities (27,853) Cumulative foreign currency translation adjustment ..........................................0 Total equity c a p ita l................................................................................ 1,232,783 Total liabilities, limited-life preferred stock and equity capital ................................................................................ $13,070,935   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  23  E ig h tie th R e p o rt  CONSOLIDATED STATEMENT OF CONDITION OF THE 85 STATE CHARTERED TRUST DEPARTMENTS June 30, 1994 (000’s omitted) ASSETS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14.  Noninterest Bearing Deposits: a. Own Bank and Affiliate Institutions ........................................... $4,906 b. Other in s titu tio n s ................................................................................ 632 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions ..............................................91,734 b. Other In stitu tio n s............................................................................. 48,516 304,970 U.S. Government and Agency Obligations ............................... State, County and Municipal Obligations ................................................ 80,275 Other Short-Term O b ligatio ns........................................ 46,633 Other Notes and B o n d s .............. 55,290 S to c k s ........................................................................................................ 134,696 Collective Investment Fund Units ...............................................................51,030 Real Estate M ortgages....................................................................................7,483 Real E state...................................... 60,009 Miscellaneous Assets ............................................................................... 25,787 Suspense Accounts ....................................................................................... 1,124 Other ........................................................................................................... 35,809 Total a s s e ts ............................................................................................ $948,894  LIABILITIES Trusts and Estates: 15. Employee Benefit ........................... . . a. (Number of Accounts) ............ 16. Personal T ru s ts ....................................... a. (Number of Accounts) ............ 17. Estates and Guardianships a. (Number of Accounts) ............ Agencies: 18. Employee Benefit .................................. a. (Number of Accounts) ............ 19. All Other ................................................ a. (Number of Accounts) ............ Collective Investment Funds: 20. Employee Benefit .................................. a. (Number of Accounts) ............ 21. All Other ................................................. a. (Number of Accounts) ............ 22. Corporate Trust Accounts ................... a. (Number of Accounts) ............ 23. Corporate Agency Accounts .............. a. (Number of Accounts) ............ 24. Profit Accounts .................................... 25. Suspense Accounts ............................. 26. Total L ia b ilitie s .......................................   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  . . . . $165,919 ............  1,227  ............  1,440  .......... 257,857 .................268 .......... 165,229 ............  1,824  ..........  1,391  ..........193,126 .............. 7,532 .................181 .............. 5,082 ...................  2 .......... 100,909  .................989 ............ 50,963 .................174 .............. 1,039 .............. 1,238 . . . . $948,894  24  Arkansas State Bank Department  C O N S O L ID A T E D REPORT OF C O N D IT IO N OF THE 7 6 N A T IO N A L B A N K S  June 30, 1994 (in millions) ASSETS 1. Cash and Balances due from depository institutions: a. Noninterest-bearing balances and currency and c o i n ...................... $780 b. Interest-bearing b a la n c e s .......................................................................... 38 2. Securities: a. Held-to-maturity securities ....................................................................2,941 b. Available-for-sale securities ............................................................... 1,960 3. a. Federal funds s o ld ....................................................................................... 240 b. Securities purchased under agreement to re s e ll............................................3 4. Loans and lease financing receivables: a. Loans and leases, net of unearned in c o m e ......................................... 6,893 b. Less: Allowances for loan and leaselosses ........................................ 109 c. Less: Allocated transfer risk reserve ........................................................0 d. Loans and leases, net of unearned income allowance, and reserve ......................................................................... 6,784 5. Assets held in trading a c c o u n ts ............................................................................... 2 6. Premises and fixed assets (including capitalized leases)................................ 247 7. Other real estate owned .................................................................................... 14 8. Investments in unconsolidated subsidiaries and associated companies ...............................................................................2 9. Customers liability to this bank on acceptances outstanding ...................................................................................4 10. Intangible assets ................................................................................................. 49 11. Other assets ...................................................................................................... 224 12. Total asse ts....................................................................................................$13,288 LIABILITIES 13. Deposits: a. In domestic offices ........................................................................ $11,488 (1) Noninterest-bearing .......................................................................2,046 (2) Interest-bearing ................................................................................ 9,442 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs ...................................................................................0 (1) Noninterest-bearing .............................................................................. 0 (2) Interest-bearing ........................................................................................0 14. a. Federal funds purchased............................................................................. 123 b. Securities sold under agreement to repurchase ........................................ 192 15. Demand notes issued to the U.S.Treasury ....................................................... 85 16. Other borrowed m o n e y ....................................................................................... 86 17. Mortgage indebtedness and obligations under capitalized leases........................................................................ 19 18. Bank's liability on acceptancesexecuted and o u tsta n d in g .................................... 4 19. Notes and debentures subordinated to d e p o s its................................................ 1 20. Other liabilitie s...................................................................................................... 86 21. Total lia b ilitie s ................................................................................................. 12,084 22. Limited-life preferred stock ..................................................................................... 0 EQUITY CAPITAL 23. 24. 25. 26.  Perpetual preferred stock ..................................................................................... 1 Common stock ................................................................................................... 80 S u rp lu s................................................................................................................ 343 a. Undivided profits and capitalreserves ....................................................... 801 b. Net unrealized holding gains (losses) on available-for-sale securities . . . . (21) 27. Cumulative foreign currency translationadjustment ..............................................0 28. Total equity c a p ita l.................................................................................. 1,204 29. Total liabilities, limited-life preferred stock and equity capital .......................................................................................... $13,288   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  25  Eightieth Report  CAPITAL TO AVERAGE ASSETS RATIOS June 30, 1994 BANK  CITY  RATIO  Commercial Bank at Alma First National Bank of Altheimer Bank of Am ity Citizens First Bank Elk Horn Bank and Trust Company Merchants & Planters Bank & Trust Company First National Bank of Sharp County Bank of Ashdown, N.A. The First National Bank in Ashdown Bank of Atkins The Bank of Augusta Citizens State Bank The Citizens Bank TCB The Community Bank of Arkansas, N.A. Worthen National Bank of Batesville Bank of Bearden Charter State Bank Citizens Bank Benton State Bank The Union Bank of Benton Arkansas National Bank Bank of Bentonville The First National Bank of Berryville Bank of Blevins Farmers Bank And Trust Company The First National Bank in Blytheville Citizens Bank The Bank of Bradley Bank of Brinkley FirstBank of Arkansas Bank of Cabot The First National Bank of Izard County Merchants and Planters Bank, N.A. Worthen National Bank of South Arkansas  Alma Altheimer Am ity Arkadelphia Arkadelphia Arkadelphia Ash Flat Ashdown Ashdown Atkins Augusta Bald Knob Batesville Batesville Batesville Bearden Beebe Beebe Benton Benton Bentonville Bentonville Berryville Blevins Blytheville Blytheville Booneville Bradley Brinkley Brinkley Cabot Calico Rock Camden Camden  9.28 21.79 10.74 9.23 8.77 8.86 11.34 12.49 12.86 10.93 15.23 8.57 8.68 6.50 8.70 20.21 8.17 11.77 8.16 8.42 28.69 10.82 14.86 10.03 11.94 11.04 9.08 10.03 15.62 8.33 9.28 16.61 10.02 8.72   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  26  Arkansas State Bank Department  BANK  CITY  RATIO  Citizens Bank & Trust Bank of Cave City American State Bank The Merchants and Planters Bank Arkansas State Bank Farmers Bank and Trust Company Clinton State Bank First National Bank First Community Bank The First National Bank of Conway Worthen National Bank of Conway Corning Bank First National Bank of Crossett First State Bank Danville State Bank Arkansas Valley Bank Bank of Dardanelle First State Bank of DeQueen The First National Bank of DeQueen DeWitt Bank And Trust Company The First National Bank of DeWitt Decatur State Bank Bank of Delight Dermott State Bank First Community Bank of S.E. Arkansas Farmers & Merchants Bank First National Bank of Howard County Dumas State Bank Merchants & Farmers Bank First Southern Bank The Delta State Bank Citizens First Bank The First National Bank of El Dorado National Bank of Commerce of El Dorado The Bank of Elkins Bank of England The Eudora Bank Bank of Eureka Springs Bank of Evening Shade Citizens Bank of Northwest Arkansas  Carlisle Cave City Charleston Clarendon Clarksville Clarksville Clinton Clinton Conway Conway Conway Corning Crossett Crossett Danville Dardanelle Dardanelle DeQueen DeQueen DeWitt DeWitt Decatur Delight Dermott Dermott Des Arc Dierks Dumas Dumas Earle Elaine El Dorado El Dorado El Dorado Elkins England Eudora Eureka Springs Evening Shade Fayetteville  11.17 7.21 9.56 8.35 8.71 9.05 8.01 8.98 14.64 8.74 9.31 11.50 11.07 9.15 12.94 8.04 12.27 10.42 11.82 18.36 9.92 15.57 10.13 12.03 11.00 20.23 14.99 11.09 13.52 16.46 14.41 8.02 10.63 8.60 9.18 11.47 11.65 9.72 10.11 9.54   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  27  Eightieth Report  BANK  CITY  RATIO  Mcllroy Bank & Trust The Bank of Fayetteville, N.A. Worthen National Bank of Northwest Arkansas 1st Ozark National Bank Citizens First Bank Fordyce Bank & Trust Company First National Bank of Eastern Arkansas Planters Bank and Trust Company The City National Bank of Fort Smith The First National Bank of Fort Smith The Merchants National Bank of Fort Smith Planters & Merchants Bank The Bank of Glenwood Caddo First National Bank First State Bank Bank of Gravett The First National Bank in Green Forest Farmers Bank First State Bank of Gurdon Farmers Bank Calhoun County Bank Mercantile Bank The Bank of Harrisburg The Security Bank Worthen National Bank of Harrison Hazen First State Bank The Cleburne County Bank First National Bank of Cleburne County Greers Ferry Lake State Bank Heber Springs State Bank First National Bank of Phillips County Helena National Bank Bank of Holly Grove The Citizens National Bank of Hope The First National Bank of Hope Horatio State Bank Arkansas Bank and Trust Company Bank of Hot Springs Worthen National Bank of Hot Springs The Planters National Bank of Hughes The First National Bank of Huntsville  Fayetteville Fayetteville Fayetteville Flippin Fordyce Fordyce Forrest City Forrest City Fort Smith Fort Smith Fort Smith Gillett Glenwood Glenwood Gould Gravette Green Forest Greenwood Gurdon Hamburg Hampton Hardy Harrisburg Harrison Harrison Hazen Heber Springs Heber Springs Heber Springs Heber Springs Helena Helena Holly Grove Hope Hope Horatio Hot Springs Hot Springs Hot Springs Hughes Huntsville  9.93 8.33 9.19 9.04 9.80 9.47 10.23 12.29 9.95 11.81 8.42 10.82 10.08 8.11 8.93 13.78 13.41 16.17 9.75 9.57 12.98 7.67 10.82 8.30 8.72 8.65 9.79 8.26 8.38 7.89 7.65 7.80 13.34 10.58 14.50 10.56 8.56 9.18 9.07 12.34 13.59   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  28  Arkansas State Bank Department  BANK  CITY  RATIO  First State Bank Peoples Bank First Jacksonville Bank and Trust Newton County Bank The Arkansas Bank Citizens Bank o f Jonesboro First Bank of Arkansas Mercantile Bank Simmons First Bank of Jonesboro First Bank of South Arkansas First Bank of Arkansas Pine State Bank Madison Bank and Trust The Bank of Lake Village Simmons First Bank o f Lake Village River Valley Bank & Trust Buffalo Island Bank Little River Bank The First National Bank of Lewisville Peoples Bank & Loan Co. Bank of Lincoln Arkansas Bankers' Bank Central Bank & Trust Citizens First Bank Eagle Bank & Trust Company First Commercial Bank, N.A. Metropolitan National Bank One National Bank Pulaski Bank And Trust Company Worthen National Bank of Arkansas Bank of Lockesburg First State Bank Farmers Bank and Trust Company First National Bank of Magnolia Bank of Malvern The Malvern National Bank Southern State Bank Mercantile Bank The Merchants and Planters Bank Bank of Mansfield First National Bank at Marianna  Huntsville Imboden Jacksonville Jasper Jonesboro Jonesboro Jonesboro Jonesboro Jonesboro Junction City Kensett Kingsland Kingston Lake Village Lake Village Lavaca Leachville Lepanto Lewisville Lewisville Lincoln Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Lockesburg Lonoke Magnolia Magnolia Malvern Malvern Malvern Mammoth Spring Manila Mansfield Marianna  6.86 8.42 12.28 8.39 7 .6 4 10.65 8.22 8.70 9.16 8.68 8.41 8.24 7.88 13.08 10.81 10.88 8.51 19.41 10.77 10.52 9.95 7.63 9.46 9.28 9.42 8.03 7.45 13.79 7.51 8 .4 0 13.80 11.20 7.98 10.66 11.16 10.31 8.32 7.51 14.04 9.48 12.14   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  29  Eightieth Report  BANK  CITY  RATIO  Citizens Bank Marked Tree Bank Searcy County Bank Bank of McCrory The First National Bank of McGehee McGehee Bank The Bank of North Arkansas First National Bank in Mena The Union Bank of Mena MidSouth Bank Commercial Bank & Trust Company Union Bank And Trust Company The First National Bank of Conway County Morrilton Security Bank, N.A. The Bank of Montgomery County First National Bank and Trust Company Peoples Bank And Trust Company Bank of Mountain View Bank of Mulberry Pike County Bank Citizens National Bank o f Nashville The First National Bank of Nashv'ille Worthen National Bank of Newark First State Bank of Newport Merchants & Planters Bank Bank of Little Rock National Bank of Arkansas The Twin City Bank American State Bank First National Bank in Osceola The Planters Bank Bank of Ozark First National Bank Peoples Bank Security Bank The First National Bank at Paris Southeast Arkansas Bank First State Bank The Perry County Bank Piggott State Bank Pine Bluff National Bank  Marion Marked Tree Marshall McCrory McGehee McGehee Melbourne Mena Mena Monette Monticello Monticello Morrilton Morrilton Mount Ida Mountain Home Mountain Home Mountain View Mulberry Murfreesboro Nashville Nashville Newark Newport Newport North Little Rock North Little Rock North Little Rock Osceola Osceola Osceola Ozark Paragould Paragould Paragould Paris Parkdale Parkin Perryville Piggott Pine Bluff  8.78 10.55 8.37 13.30 13.15 16.67 8.28 10.90 10.32 7.94 9.78 9.40 7.90 7.81 14.79 11.81 8.28 17.78 9.58 8.44 11.34 10.13 7.89 8.38 10.26 9.04 8.50 7.55 16.51 12.42 11.36 8.98 12.65 14.68 8.57 8.53 9.20 8.27 7.91 8.82 7.06   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  30  Arkansas State Bank Department  BANK  CITY  RATIO  Simmons First National Bank of Pine Bluff Worthen National Bank o f Pine Bluff First State Bank Bank of Pocahontas Planters and Stockmen Bank The Peoples Bank Portland Bank The Farmers & Merchants Bank Bank of Prescott The Bank of Rector Farmers and Merchants Bank The Bank of Rison Farmers and Merchants Bank First National Bank and Trust Company First Western HBank and Trust Company First Bank of Arkansas First National Bank of Russellville Worthen National Bank of Russellville Bank of Salem Logan County Bank First National Bank First Security Bank First National Bank of Sheridan Grant County Bank Arkansas State Bank First National Bank Smackover State Bank Merchants & Planters Bank The First National Bank o f Springdale Springdale Bank and Trust Bodcaw Bank Bank of Star City The Stephens Security Bank The Farmers and Merchants Bank First S tuttgart Bank and Trust Company Commercial National Bank of Texarkana The State First National Bank of Texarkana Bank of Trumann First Bank of Arkansas Bank of Tuckerman First Delta Bank  Pine Bluff Pine Bluff Plainview Pocahontas Pocahontas Portland Portland Prairie Grove Prescott Rector Reyno Rison Rogers Rogers Rogers Russellville Russellville Russellville Salem Scranton Searcy Searcy Sheridan Sheridan Siloam Springs Siloam Springs Smackover Sparkman Springdale Springdale Stamps Star City Stephens S tuttgart Stuttgart Texarkana Texarkana Trumann Trumann Tuckerman Tyronza  9.68 8.89 10.28 10.32 8.89 10.85 9.58 9.63 7.22 7.87 8.8 0 15.14 8.27 6.78 7.76 7.88 8.05 8.95 8.63 13.80 11.25 11.27 11.47 7.52 11.34 7.28 11.20 9.19 12.89 7.61 12.71 8.29 9.36 9.38 11.04 10.71 10.93 13.30 8.62 14.93 12.97   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  31  Eightieth Report  BANK  CITY  RATIO  Citizens Bank & Trust Company First National Bank of Crawford County The Peoples Bank Bank of Waldron The Scott County Bank The Arkansas Bank The First National Bank of Lawrence County First State Bank of Warren Warren Bank and Trust Company Bank of Weiner Merchants and Farmers Bank Bank of West Memphis Fidelity National Bank of West Memphis First National Bank in West Memphis Wilmot State Bank Cross County Bank First Bank of Arkansas The First National Bank of Wynne The Bank of Yellville  Van Buren Van Buren Waldo Waldron Waldron Walnut Ridge Walnut Ridge Warren Warren Weiner West Helena West Memphis West Memphis West Memphis Wilmot Wynne Wynne Wynne Yellville  9.13 8.19 9.78 13.28 12.13 9.92 11.27 9.17 13.79 9.38 8.87 10.69 7.60 12.30 16.31 8.77 9.13 9.02 10.42   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  32  Arkansas State Bank Department  NATIONAL BANKS June 30, 1994 (OOO's omitted) BANK  CITY  ASSETS  First National Bank of Altheimer First National Bank of Sharp County Bank of Ashdown, N.A. The First National Bank in Ashdown TCB The Community Bank of Arkansas, N.A. Worthen National Bank of Batesville Arkansas National Bank The First National Bank of Berryville The First National Bank in Blytheville The First National Bank of Izard County Merchants and Planters Bank, N.A. Worthen National Bank of South Arkansas First National Bank The First National Bank o f Conway Worthen National Bank of Conway First National Bank of Crossett The First National Bank o f DeQueen The First National Bank o f DeWitt First National Bank of Howard County The First National Bank of El Dorado National Bank of Commerce of El Dorado The Bank of Fayetteville, N.A. Worthen National Bank of Northwest Arkansas 1st Ozark National Bank First National Bank of Eastern Arkansas The City National Bank o f Fort Smith The First National Bank of Fort Smith The Merchants National Bank of Fort Smith Caddo First National Bank The First National Bank in Green Forest Worthen National Bank of Harrison First National Bank of Cleburne County First National Bank of Phillips County  Altheimer Ash Flat Ashdown Ashdown Batesville Batesville Bentonville Berryville Blytheville Calico Rock Camden Camden Clinton Conway Conway Crossett DeQueen DeWitt Dierks El Dorado El Dorado Fayetteville Fayetteville Flippin Forrest City Fort Smith Fort Smith Fort Smith Glenwood Green Forest Harrison Heber Springs Helena  10,830 111,965 45,6 95 51,7 40 40,4 93 159,972 16,792 120,668 120,869 65,659 90,126 115,879 53,409 2 25,784 196,093 97,486 91,745 74,240 35,1 00 279 ,70 4 126,400 110,554 5 21,178 4 6,8 90 177,298 3 23 ,30 0 5 02,548 2 96 ,07 6 59,226 109,842 88,418 65,734 94,3 48   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  33  Eightieth Report  BANK  CITY  Helena National Bank The Citizens National Bank of Hope The First National Bank of Hope Worthen National Bank of Hot Springs The Planters National Bank of Hughes The First National Bank of Huntsville The First National Bank of Lewisville First Commercial Bank, N.A. Metropolitan National Bank One National Bank Worthen National Bank of Arkansas First National Bank of Magnolia The Malvern National Bank First National Bank at Marianna The First National Bank of McGehee First National Bank in Mena The First National Bank of Conway County Morrilton Security Bank, N.A. First National Bank and Trust Company Citizens National Bank of Nashville The First National Bank of Nashville Worthen National Bank of Newark National Bank of Arkansas First National Bank in Osceola First National Bank The First National Bank at Paris Pine Bluff National Bank Simmons First National Bank of Pine Bluff Worthen National Bank of Pine Bluff First National Bank and Trust Company First National Bank of Russellville Worthen National Bank of Russellville First National Bank First National Bank of Sheridan First National Bank The First National Bank of Springdale Commercial National Bank of Texarkana The State First National Bank of Texarkana First National Bank of Crawford County The First National Bank of Lawrence County Fidelity National Bank of West Memphis First National Bank in West Memphis The First National Bank of Wynne  86,302 Helena Hope 203,988 100,152 Hope Hot Springs 281,900 18,289 Hughes 70,767 Huntsville Lewisville 20,009 Little Rock 1,363,577 Little Rock 243,205 Little Rock 111,780 Little Rock 1,678,370 Magnolia 201,328 Malvern 147,071 Marianna 39,120 McGehee 30,351 Mena 92,336 Morrilton 82,733 Morrilton 59,817 Mountain Home 186,192 Nashville 36,830 Nashville 75,768 Newark 11,418 North Little Rock 34,801 58,907 Osceola Paragould 202,188 59,767 Paris Pine Bluff 122,868 572,954 Pine Bluff 236,879 Pine Bluff Rogers 347,847 Russellville 183,825 Russellville 142,132 Searcy 216,652 Sheridan 21,815 144,324 Siloam Springs 338,537 Springdale Texarkana 92,309 Texarkana 416,063 Van Buren 125,328 Walnut Ridge 70,863 West Memphis 54,099 West Memphis 56,428 122,374 Wynne   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  ASSETS   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eightieth Report  Eightieth Annual  REPORT OF THE  ONE HUNDRED EIGHTY ONE  STATE CHARTERED  COMMERCIAL BANKS   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  JUNE 30, 1994  36  Arkansas State Bank Department  Commercial Bank at Alma Alma, AR Telephone: 632-2257 FAX: 632-2263 Population: 3,009  P. 0. Box 2199 Hwy. 71 & 64B 72921-2199  Charter Number: 297 Date: Jan. 31, 1910 County: Crawford  Trust Department: No Bank Holding Company First United Bancshares, Inc., El Dorado, AR  CEO/Pres: Jimmy V. Fincher EVP: William N. Brasher, III VP/Cash: Mary Beth Jesson  VP: Helen S. Jones VP: Rex A. Woods  Cash and Due F ro m :................................ 1,107 Federal Funds and R e p o s :......................... 325 Investm ents:..........................................15,475 Total Loans: ....................................... 24,449 Premises and Fixed A s s e ts :....................1,392 Other Real Estate: .......................................... 0 Other Assets: ......................................... 2,293 Total A s s e ts :....................................... 45,041 Total Trust A sse ts:.......................................... 0  D e p o s its :.............................................. 39,052 Federal Funds and B o rro w in g s:.................... 0 Other Liabilities: ....................................... 326 Subordinated D e b t:....................................... 0 Total Liabilities:..................................... 39,378 Total Equity Capital and Reserves: . . . 5,663 Total Liabilities and Capital: ............... 45,041 Number of Shares Outstanding: ............ 8,000  Directors: James A. Arnold, II, John P. Ballentine, Leonard L. Blaschke, William N. Brasher, III, Jimmy V. Fincher, John A. Griffin, Jim Harwood, Hilda Knight, Paul L. Winborn Branches in Town: None  Other Branches: Dyer, Mountainburg  Bank of Amity A m ity, AR P. O. Box 38 Public Square 71921-0038  Telephone: 342-5269 FAX: 342-9594 Population: 859  Charter Number: 198 Date: Jan. 30, 1905 County: Clark  Trust Department: No Bank Holding Company Chambers Bancshares, Inc., Danville, AR  Chm: Cleda Olds CEO/Pres: Patsy Hawkins VP/Cash: Diane Owens  VP: Danny Maxey VP: Wilma Harris  Cash and Due F ro m :................................ 1,815 Federal Funds and R e p o s :......................2,600 Investm ents:....................................... 22,558 Total Loans: ....................................... 24,289 Premises and Fixed A s s e ts :.................... 170 Other Real Estate: .......................................... 0 Other Assets: .......................................... 613 Total A s s e ts :....................................... 52,045 Total Trust A sse ts:.......................................... 0  D e p o s its :.............................................. 46,341 Federal Funds and B o rro w in g s:.................... 0 Other Liabilities: ....................................... 392 Subordinated D e b t:....................................... 0 Total Liabilities:..................................... 46,733 Total Equity Capital and Reserves: . . . 5,312 Total Liabilites and C a p ita l:................. 52,045 Number of Shares Outstanding: ............ 4,000  Directors: John Ed Chambers, III, Danny Dunlap, Ernie Dunlap, Patsy Hawkins, Jimmy Jones, Joe Maxey, Morris Oakley, Cleda Olds, Hazel Richardson, Jimmy Williams  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  37  Eightieth Report  Citizens First Bank Arkadelphia, AR Telephone: 246-2411 FAX: 246-5400 Population: 10,014  P. O. Box 218 5th and Main Street 71923-0218  Charter Number: 736 Date: May 24, 1977 County: Clark  Trust Department: No Bank Holding Company FDH Bancshares, Inc., Little Rock, AR  Chm: Raymond C. Toler CEO/Pres: I. Joe Miles VP: Kevin Norton VP: John French  VP: Penny Manning Cash: Carol Wilson AVP: Gina Daniel  Cash and Due F ro m :................................2,738 Federal Funds and R e p o s :..............................0 Investm ents:......................................... 17,127 Total Loans: ....................................... 26,372 Premises and Fixed A s s e ts :................... 638 Other Real Estate: .................................... 61 Other Assets: ......................................... 1,423 Total A s s e ts :....................................... 48,359 Total Trust A sse ts:..........................................0  D e p o s its :...................................... 43,067 Federal Funds and B orrow ings:............... 265 Other Liabilities: ....................................... 572 Subordinated D e b t:....................................... 0 Total Liabilities:............................ 43,904 Total Equity Capital and Reserves: . . . 4,455 Total Liabilites and C apital:......... 48,359 Number of Shares Outstanding: . . . . 30,000  Directors: Edward L. Cullum, Jr., Herb Daily, Jerry Francis, I. B. Fuller, Jr., Billy Bob Hardman, Edward McCorkle, I. Joe Miles, Robert P. Taylor, Raymond C. Toler  Branches in Town: Two  Other Branches: Caddo Valley  Elk Horn Bank and Trust Company Arkadelphia, AR Telephone: 246-5811 FAX: 246-5284 Population: 10,014  P. O. Box 248 601 Main Street 71923-0248  Charter Number: 142 Date: Sep. 28, 1903 County: Clark  Trust Department: Yes Bank Holding Company Southern Development Bancorporation, Inc., Arkadelphia, AR  Chm/CEO/Pres: George P. Surgeon EVP/Cash: Jimmy Franklin SVP: Bill Fowler  SVP: Steve Nipper TO: Beth Marshall  Cash and Due F ro m :................................2,673 Federal Funds and R e p o s :..............................0 Investm ents:....................................... 50,733 Total Loans: ......................................... 44,186 Premises and Fixed A s s e ts :................... 2,462 Other Real Estate: .......................................... 7 Other Assets: ......................................... 1,087 Total A s s e ts :....................................... 101,148 Total Trust A sse ts:.................................. 1,044  D e p o s its :...................................... 87,425 Federal Funds and B orrow ings:...............4,616 Other Liabilities: ....................................... 382 Subordinated D e b t:....................................... 0 Total Liabilities:............................. 92,423 Total Equity Capital and Reserves: . . . 8,725 Total Liabilites and C apital:....... 101,148 Number of Shares Outstanding: . . . . 24,000  Directors: Thomas B. Barksdale, James H. Blanton, Harold G. Echols, Robert Fisher, Ronald A. Grzywinski, James W. Harrington, J. Hugh Lookadoo, Mary Jo Mann, Wayne D. Pollard, Roy Shope, George P. Surgeon Branches in Town: One  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Caddo Valley  38  Arkansas State Bank Department  Merchants & Planters Bank & Trust Company Arkadelphia, AR Telephone: 246-4511 FAX: 246-4407 Population: 10,014  P. 0. Box 219 526 Main Street 71923-0219  Charter Number: 341 Date: June 15, 1911 County: Clark  Trust Department: Yes Bank Holding Company Central Arkansas Bancshares, Inc., Arkadelphia, AR  Chm: Ross M. Whipple CEO/Pres/TO: Steve L. DeMott  EVP: Tom Calhoon Cash: Dell Beene  Cash and Due F ro m :................................2,720 Federal Funds and R e p o s :..............................0 Investm ents:....................................... 33,943 Total Loans: ....................................... 58,751 Premises and Fixed A s s e ts :................... 4,012 Other Real Estate: .................................. 131 Other Assets: ..........................................1,639 Total A s s e ts :....................................... 101,196 Total Trust A sse ts:.................................. 2,594  D e p o s its :.............................................. 83,839 Federal Funds and B o rro w in g s:...............7,984 Other Liabilities: ....................................... 529 Subordinated D e b t:....................................... 0 Total Liabilities:.................................... 92,352 Total Equity Capital and Reserves: . . . 8,844 Total Liabilites and C a p ita l:..................101,196 Number of Shares Outstanding: . . . . 12,000  Directors: Harold Bass, Elton Buck, Tom Calhoon, Steve L. DeMott, Toney McMillan, Paul Offutt, Jane Ross, Donald Tatman, Larry Thomerson, Ross M. Whipple Branches in Town: One  Other Branches: Gurdon  Bank of Atkins Atkins, AR Telephone: 641-2987 FAX: 641-2566 Population: 2,834  P. O. Box 157 202 N.E. First Street 72823-0157  Charter Number: 35 Date: Sep. 19, 1895 County: Pope  Trust Department: No Bank Holding Company None  Chm/CEO: David M. Mitchell Pres: Alton Cash  VP/Cash: Dorothy Wiley VP: Ida Abernathy  Cash and Due F ro m :................................ 1,585 Federal Funds and R e p o s :...................... 1,000 Investm ents:............................................5,496 Total Loans: ..........................................14,369 Premises and Fixed A s s e ts :.................... 245 Other Real Estate: ........................................89 Other Assets: .......................................... 409 Total A s s e ts :..........................................23,193 Total Trust A sse ts:.......................................... 0  D e p o s its :....................................... 20,429 Federal Funds and B o rro w in g s:............... 157 Other Liabilities: ......................................... 74 Subordinated D e b t:....................................... 0 Total Liabilities:............................. 20,660 Total Equity Capital and Reserves: . . . 2,533 Total Liabilites and C a p ita l:...........23,193 Number of Shares Outstanding: . . . . 1 2,500  Directors: Alton Cash, David M. Mitchell, Jean S. Mitchell Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  39  Eightieth Report  The Bank of Augusta Augusta, AR P. 0. Box Y 100 S. Second Street 72006-1005  Telephone: 347-2511 FAX: 347-2654 Population: 2,759  Charter Number: 669 Date: Feb. 20, 1935 County: Woodruff  Trust Department: Yes Bank Holding Company None  Chm: R. E. Gregory CEO/Pres: Moody Whitehead  VP: Ronnie Jones Cash/TO: Martha Ray  Cash and Due F ro m :................................1,417 Federal Funds and R e p o s :......................2,400 Investm ents:..........................................16,337 Total Loans: ..........................................15,634 Premises and Fixed A s s e ts :................... 180 Other Real Estate: ..........................................0 Other Assets: ......................................... 446 Total A s s e ts :......................................... 36,414 Total Trust A sse ts:.................................... 96  D e p o s its :.................................................30,714 Federal Funds and B orrow ings:................... 0 Other Liabilities: ....................................... 115 Subordinated D e b t:....................................... 0 Total Liabilities:.................................... 30,829 Total Equity Capital and Reserves: . . . 5,585 Total Liabilites and C apital:....................36,414 Number of Shares Outstanding: ............ 8,000  Directors: Franklin Collier, Dr. Steve Collier, W. P. Daniel, W. P. Daniel, Jr., Charles Eldridge, John R. Eldridge, R. E. Gregory, R. E. Gregory, Jr., Ronnie Jones, Moody Whitehead, Dorothy Willis Branches in Town: None  Other Branches: None  Citizens State Bank Bald Knob, AR P. 0. Box 200 306 South Elm Street 72010-0200  Telephone: 724-3241 FAX: 724-5985 Population: 2,653  Charter Number: 636 Date: Jan. 22, 1931 County: White  Trust Department: Yes Bank Holding Company Citizens State Bankshares of Bald Knob, Inc., Bald Knob, AR  Chm/CEO: Juanita Litzelfelner Pres/COO/TO: Larry E. Kircher  EVP: Wendell Nier VP/Cash: Peggy Reed  Cash and Due F ro m :................................1,734 Federal Funds and R e p o s :.............. 400 Investm ents:..........................................17,675 Total Loans: ......................................... 16,835 Premises and Fixed Assets: ....................... 778 Other Real Estate: .................................. 338 Other Assets: ......................................... 485 Total A s s e ts :....................................... 38,245 Total Trust A sse ts:.................................. 1,746  D e p o s its :.............................................. 34,688 Federal Funds and B orrow ings:................... 0 Other Liabilities: ....................................... 220 Subordinated D e b t:....................................... 0 Total Liabilities:.................................... 34,908 Total Equity Capital and Reserves: . . . 3,337 Total Liabilites and C apital:................. 38,245 Number of Shares Outstanding: ............ 4,000  Directors: Bob J. Clark, Larry E. Kircher, Juanita Litzelfelner, Wendell Nier, Bernard C. Smith, M.D.  Branches in Town: Two   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Bradford  40  Arkansas State Bank Department  The Citizens Bank Batesville, AR Telephone: 793-4441 FAX: 698-6299 Population: 9,853  P. 0. Box 2156 Third and College Streets 72503-2156  Charter Number: 705 Date: Feb. 19, 1953 County: Independence  Member of Federal Reserve System Trust Department: Yes Bank Holding Company Citizens Bancshares of Batesville, Inc., Batesville, AR  CEO/Pres: Woody Castleberry Cash: Greg Shaver  TO: Robin Brock  Cash and Due F ro m :................................8,779 Federal Funds and R e p o s :......................... 900 Investm ents:......................................... 56,157 Total Loans: ....................................... 117,006 Premises and Fixed A s s e ts :................... 4,285 Other Real Estate: .................................. 1,353 Other Assets: ......................................... 2,336 Total A s s e ts :....................................... 190,816 Total Trust A sse ts:............................. 1 5,411  D e p o s its :............................................ 169,077 Federal Funds and B o rro w in g s:...............4,997 Other Liabilities: ....................................... 397 Subordinated D e b t:....................................... 0 Total Liabilities:.................................. 174,471 Total Equity Capital and Reserves: . . 16,345 Total Liabilites and C apital:..................190,816 Number of Shares Outstanding: . . . . 16,500  Directors: Woody Castleberry, Dr. Lackey Moody, Doyle Rogers, Noel Sims, Kay Southerland Branches in Town: Six  Other Branches: None  Bank of Bearden Bearden, AR Telephone: 687-2233 FAX: 687-2474 Population: 1,180  P. 0 . Box 135 Second and Cedar Streets 71720-0135  Charter Number: 688 Date: June 1 7 ,1 9 4 5 County: Ouachita  Trust Department: No Bank Holding Company  Chm/CEO/Pres: Rick Green EVP: Ken Riley  VP/Cash: Susan Lusby  Cash and Due F ro m :................................2,464 Federal Funds and R e p o s :......................3,825 Investm ents:............................................6,111 Total Loans: ..........................................11,046 Premises and Fixed A s s e ts :......................... 86 Other Real Estate: .......................................... 0 Other Assets: .......................................... 132 Total A s s e ts :....................................... 23,664 Total Trust A sse ts:.......................................... 0  D e p o s its :................................................. 18,932 Federal Funds and B o rro w in g s:.................... 0 Other Liabilities: ......................................... 72 Subordinated D e b t:....................................... 0 Total Liabilities:........................................19,004 Total Equity Capital and Reserves: . . . 4,660 Total Liabilites and C a p ita l:................. 23,664 Number of Shares Outstanding: ............ 8,300  Directors: John E. Anthony, Steven M. Anthony, 0. D. Cathey, Rayburn Dorey, Mary Lynn Dudley, Rick Green, Kenneth D. Keeton, Ronald Ramsay, J. E. Word  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Eightieth Report  41  Charter State Bank Beebe, AR Telephone: 882-6406 FAX: 882-6892 Population: 4,455  P. O. Box 2000 1500 W. DeWitt Henry 72012-1000  Charter Number: 742 Date: March 23, 1981 County: White  Member of Federal Reserve System Trust Department: Yes Bank Holding Company First Charter Bancshares, Inc., North Little Rock, AR  Chm/CEO/Pres: Garland Kirkpatrick SVP: David Miller  VP/Cash: Marilyn Cole VP: Mark Lay  Cash and Due F ro m :............................... 3,194 Federal Funds and R e p o s :......................2,000 Investm ents:............ 21,128 Total Loans: ......................................... 17,244 Premises and Fixed A s s e ts :.......................686 Other Real Estate: .................................. 137 Other Assets: ......................................... 2,023 Total A s s e ts :......................................... 46,412 Total Trust A sse ts:..........................................0  D e p o s its :....................................... 41,092 Federal Funds and B o rro w in g s:................... 0 Other Liabilities: ....................................... 1,326 Subordinated D e b t:....................................... 0 Total Liabilities:..............................42,418 Total Equity Capital and Reserves: . . . 3,994 Total Liabilites and C apital:.......... 46,412 Number of Shares Outstanding: . . . . 50,000  Directors: Dr. Ruth Couch, Walter England, Gene Holman, Garland Kirkpatrick, Keith Knight, Lyndell Lay, Mark Lay, Michelle Lay, David Miller  Branches in Town: None  Other Branches: North Little Rock  Citizens Bank Beebe, AR Telephone: 882-6411 FAX: 882-8500 Population: 4,455  P. O. Drawer T 114 N. Main 72012-1020  Charter Number: 465 Date: June 21, 1917 County: White  Trust Department: No Bank Holding Company First Security Bancorp, Searcy, AR  Chm: Reynie Rutledge CEO/Pres: J. Darrel Hall EVP: J. Fred Campbell  VP/Cash: Anna Spradlin VP: Dewitt Yingling VP: Betty Liddle  Cash and Due F ro m :............................... 2,434 Federal Funds and R e p o s :...................... 150 Investm ents:......................................... 16,743 Total Loans: ....................................... 40,497 Premises and Fixed A s s e ts :................... 845 Other Real Estate: .................................. 123 Other Assets: .......................................... 563 Total A s s e ts :......................................... 61,355 Total Trust A sse ts:..........................................0  D e p o s its :...................................... 53,467 Federal Funds and B orrow ings:............... 358 Other Liabilities: ....................................... 307 Subordinated D e b t:....................................... 0 Total Liabilities:..............................54,132 Total Equity Capital and Reserves: . . . 7,223 Total Liabilites and C apital:.......... 61,355 Number of Shares Outstanding: . . . . 20,000  Directors: E. H. Abington, II, Doyle Burns, Millan Burrow, H. Leroy Goff, J. Darrel Hall, Lee Hayes, James Rakes, Reynie Rutledge Branches in Town: Two   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Cabot  42  Arkansas State Bank Department  Benton State Bank Benton, AR P. 0. Box 9 146 W. South Street 72018-0009  Telephone: 778-0431 FAX: 778-6447 Population: 18,177  Charter Number: 664 Date: Feb. 9, 1934 County: Saline  Trust Department: Yes Bank Holding Company First Commercial Corporation, Little Rock, AR  Chm/CEO/Pres: Larry Whitley EVP/Cash: Russell Coleman  SVP: Barbara Weaver SVP: Harry McCormick  Cash and Due F ro m :..............................19,526 Federal Funds and R e p o s :..............................0 Investm ents:....................................... 63,257 Total Loans: ....................................... 117,557 Premises and Fixed A s s e ts :................... 2,116 Other Real Estate: ..................................... 69 Other Assets: ....................................... 1,998 Total A s s e ts :..................................... 204,523 Total Trust A sse ts:.......................................... 0  D e p o s its :............................................ 185,489 Federal Funds and B o rro w in g s:............... 1,681 Other Liabilities: ....................................... 677 Subordinated D e b t:....................................... 0 Total Liabilities:.................................. 187,847 Total Equity Capital and Reserves: . . 16,676 Total Liabilites and C apital:............... 204,523 Number of Shares Outstanding: . . . . 10,000  Directors: Mrs. W. R. Alsobrook, Roy Bishop, Calvin Brown, Russell Coleman, Edwin Henry, A. B.  Holiman, Jr., W. W. Jones, Malcolm Lawrence, D. W. May, W. L. Tucker, Larry Whitley  Branches in Town: Four  Other Branches: Bryant  The Union Bank of Benton Benton, AR Telephone: 778-0411 FAX: 776-5433 Population: 18,177  P. O. Box 687 207 West Conway 72018-0687  Charter Number: 706 Date: Jan. 1 1 ,1 9 5 4 County: Saline  Trust Department: Yes Bank Holding Company Arkansas Union Bankshares, Inc., Benton, AR  Chm/CEO: Greg B. Brown Pres: Bob Gregory  SVP/Cash: Debra Keen TO: Ray Pennington  Cash and Due F ro m :................................3,761 Federal Funds and R e p o s :..............................0 Investm ents:....................................... 44,764 Total Loans: ....................................... 48,849 Premises and Fixed A s s e ts :....................1,167 Other Real Estate: .................................. 116 Other Assets: .......................................... 990 Total A s s e ts :....................................... 99,647 Total Trust A sse ts:.................................. 3,090  D e p o s its :.............................................. 84,429 Federal Funds and B o rro w in g s:...............6,468 Other Liabilities: ....................................... 472 Subordinated D e b t:....................................... 0 Total Liabilities:....................................... 91,369 Total Equity Capital and Reserves: . . . 8,278 Total Liabilites and C a p ita l:................. 99,647 Number of Shares Outstanding: . . . . 72,940  Directors: Greg B. Brown, June G. Brown, Lilburn Carlisle, Bob Gregory, J. D. Harris, Debra Keen, Ron Kuerner, I. E. McCray, Jr., John Young  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Bryant  Eightieth Report  43  Bank of Bentonville Bentonville, AR Telephone: 273-3331 FAX: 271-1315 Population: 11,790  P. 0. Box 1229 201 N.E. A. Street 72712-1229  Charter Number: 641 Date: Feb. 25, 1931 County: Benton  Trust Department: Yes Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR  Chm: Jim C. Walton CEO/Pres: Donald E. Walker EVP: Jim Cargill  SVP: Kenny Hancock VP/Cash: Karen Clark VP: Sharon Stucky  Cash and Due F ro m :........................... 20,427 Federal Funds and R e p o s :..............................0 Investments: ........................... 109,161 Total Loans: .................................... 259,576 Premises and Fixed Assets: . . . . . . . . 5,050 Other Real Estate: .......................................... 0 Other Assets: 4,550 Total A s s e ts :.................................... 398,764 Total Trust A sse ts:.......................................... 0  D e p o s its :........................................... 327,796 Federal Funds and B orrow ings:............ 27,107 Other Liabilities: ....................................... 2,399 Subordinated D e b t:....................................... 0 Total Liabilities:.............. 357,302 Total Equity Capital and Reserves: . . 41,462 Total Liabilites and C apital:.............. 398,764 Number of Shares Outstanding: . . . . 78,400  Directors:  Edward F. Adair, George Billingsley, Ralph Dunn, Kirk Dupps, David Glass, Max McGaugh, Gary Newman, Joe Peters, Harriett Phillips, Donald E. Walker, Jim C. Walton  Branches in Town: Four  Other Branches: Bella Vista (2), Centerton, Gravette  Bank of Blevins Blevins, AR Telephone: 874-2541 FAX: 874-2631 Population: 253  P. 0. Box 158 Main Street 71825-0158  Charter Number: 385 Date: Aug. 12, 1912 County: Hempstead  Trust Department: No Bank Holding Company First National Bancshares of Hempstead County, Inc., Hope, AR  Chm: Thomas E. Hays, Jr. CEO/Pres: Mike Stephens  Cash: Nell Stephens  Cash and Due From: ......................... . . 423 Federal Funds and Repos: ...................... 475 Investments: ............................................ 6,657 Total Loans: 6,271 Premises and Fixed A s s e ts :................... 288 Other Real Estate: .............. 0 Other Assets: ......................................... 144 Total A s s e ts :..........................................14,258 Total Trust A sse ts:..........................................0  D e p o s its :.............................................. 12,787 Federal Funds and B orrow ings:................... 0 Other Liabilities: ......................................... 58 Subordinated D e b t:.............. 0 Total Liabilities:.................................... 12,845 Total Equity Capital and Reserves: . . . 1,413 Total Liabilites and C apital:.................... 14,258 Number of Shares Outstanding: ............ 8,050  Directors: Thomas E. Hays, Jr., Charles E. Sharpe, Jr., Mike Stephens, Nell Stepheins Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  44  Arkansas State Bank Department  Farmers Bank And Trust Company Blytheville, AR Telephone: 763-8101 FAX: 763-3500 Population: 23,000  P. 0. Box 688 400 W. Main 72316-0688  Charter Number: 253 Date: March 16, 1908 County: Mississippi  Member of Federal Reserve System Trust Department: Yes Bank Holding Company Farmers Bancorp, Inc., Blytheville, AR  Chm/CEO/Pres: Alvin Huffman, III EVP/Cash: Steve Bell VP: Joe Churchill  VP: Glenda Eubanks VP: Mike Huffman VP/TO: Ron Dawson  Cash and Due F ro m :................................5,166 Federal Funds and R e p o s :......................2,680 Investm ents:......................................... 49,165 Total Loans: ....................................... 50,648 Premises and Fixed A s s e ts :....................1,447 Other Real Estate: .................................. 2,626 Other Assets: ......................................... 2,034 Total A s s e ts :....................................... 113,766 Total Trust A sse ts:............................. 22,941  D e p o s its :.............................................. 99,985 Federal Funds and B o rro w in g s:.................... 0 Other Liabilities: ....................................... 310 Subordinated D e b t:....................................... 0 Total Liabilities:.................................. 100,295 Total Equity Capital and Reserves: . . 13,471 Total Liabilites and C apital:...............113,766 Number of Shares Outstanding: . . . . 40,000  Directors: Steve Bell, Dale Briggs, Glen Cook, Alvin Huffman, III, Paul Hughes, Herbert Jones, Gaylon M. Lawrence, Jr., Harold Sudbury, Jr. Branches in Town: Three  Other Branches: Gosnell  Citizens Bank Booneviile, AR Telephone: 675-2747 FAX: 675-5050 Population: 3,804  P. 0. Box 238 80 W. Main 72927-0238  Charter Number: 397 Date: April 18, 1910 County: Logan  Trust Department: Yes Bank Holding Company First Western Bancshares, Inc., Booneviile, AR  Chm/CEO/Pres: Jeral L. Hampton  VP/Cash: Carolyn Holt  Cash and Due F ro m :................................2,265 Federal Funds and R e p o s :..............................0 Investm ents:....................................... 33,433 Total Loans: ....................................... 46,908 Premises and Fixed A s s e ts :....................1,115 Other Real Estate: .................................. 390 Other Assets: ....................................... 1,737 Total A s s e ts :....................................... 85,848 Total Trust A sse ts:.......................................... 0  D e p o s its :.............................................. 75,950 Federal Funds and Borrowings: . . . . . . 1,372 Other Liabilities: ....................................... 725 Subordinated D e b t:....................................... 0 Total Liabilities:..................................... 78,047 Total Equity Capital and Reserves: . . . 7,801 Total Liabilites and C apital:................. 85,848 Number of Shares Outstanding: . . . 100,000  Directors: Don A. Dunn, Jeral L. Hampton, John T. Hampton, Billy Dale Leslie, C. Richard Lippard, A. B. Littlefield, W. C. Littlefield, Robert E. Remy Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Magazine, Ratcliff  45  Eightieth Report  The Bank of Bradley Bradley, AR Telephone: 894-3322 FAX: 894-3324 Population: 585  P. 0. Box 120 Main Street 71826-0120  Charter Number: 653 Date: April 10, 1933 County: Lafayette  Trust Department: No Bank Holding Company The Bradley Corporation, Bradley, AR  Chm/CEO/Pres: Lane Pierce  EVP/Cash: Billie Pierce  Cash and Due F ro m :.......... . . . 490 Federal Funds and R e p o s :......................... 375 investments: .................................... .. . 2,290 Total Loans: ..........................................7,117 Premises and FixedAssets: . ................... 296 Other Real Estate: ................ 2 Other A s s e ts :........................ 116 Total Assets: . . . .......................10,686 Total Trust Assets: . . . . ................... . . 0  Deposits: ................................. 9,553 Federal Funds and B o rro w in g s:................... 0 Other Liabilities: ............ . ............ 29 Subordinated Debt: 0 Total Liabilities: . . . . . . 9,582 Total Equity Capital and Reserves: . . . 1,104 Total Liabilites and C apital:...........10,686 Number of Shares Outstanding: . . . . 10,000  Directors: Gerald E. Crabtree, Billie Pierce, Lane Pierce Branches in Town: None  Other Branches: None  Bank of Brinkley Brinkley, AR Telephone: 734-3133 FAX: 734-3001 Population: 4,234  P. 0. Box 727  1 30 S. New Orleans 72021-0727  Charter Number: 110 Date: Jan. 17, 1903 County: Monroe  Trust Department: No Bank Holding Company Brinkley Bancshares, Inc., Brinkley, AR  Chm/CEO: A. H. Rusher Pres: Gus Rusher  Cash: Bently Manatt  Cash and Due F ro m :................................2,443 Federal Funds and Repos: ..........................500 Investm ents:......................................... 39,718 Total Loans: ................................. 22,465 Premises and Fixed A s s e ts :................... 458 Other Real Estate: ..................... 0 Other Assets: ......................................... 1,201 Total A s s e ts :....................................... 66,785 Total Trust A sse ts:................... 0  D e p o s its :.............................................. 55,752 Federal Funds and B orrow ings:................... 0 Other Liabilities: ....................................... 305 Subordinated D e b t:....................................... 0 Total Liabilities:.................................... 56,057 Total Equity Capital and Reserves: . . 10,728 Total Liabilites and C apital:................. 66,785 Number of Shares Outstanding: . . . . 24,000  Directors: J. H. Carroll, John E. Deen, Jr., Steve Fowler, Doug Hunt, A. H. Rusher, Gus Rusher Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  46  Arkansas State Bank Department  FirstBank of Arkansas Brinkley, AR Telephone: 734-1300 FAX: 734-1305 Population: 4,234  P. 0. Box 787 800 North Main 72021-0787  Charter Number: 747 Date: Jan. 25, 1989 County: Monroe  Trust Department: No Bank Holding Company Carlisle Bancshares, Inc., Little Rock, AR  Chm: Daniel C. Horton CEO/Pres: Harold Hardwick  VP/Cash: Judy Brown  Cash and Due F ro m :................................ 603 Federal Funds and R e p o s :...................... 1,200 Investm ents:............................................5,959 Total Loans: ..........................................14,078 Premises and Fixed A s s e ts :....................1,144 Other Real Estate: .................................. 174 Other Assets: .......................................... 640 Total A s s e ts :....................................... 23,798 Total Trust A sse ts:.......................................... 0  D e p o s its :........................................21,112 Federal Funds and B o rro w in g s:............... 539 Other Liabilities: ......................................... 84 Subordinated D e b t:....................................... 0 Total Liabilities:.................................. .. 21,735 Total Equity Capital and Reserves: . . . 2,063 Total Liabilites and C apital:.......... 23,798 Number of Shares Outstanding: . . . . 91,500  Directors: Harold Hardwick, Tommy Hillman, Daniel C. Horton, Barry McKuin, Ben Myers, Dewey Snowden, Ralph Wilson Branches in Town: None  Other Branches: None  Bank of Cabot Cabot, AR P. 0. Box 1028 One City Plaza 72023-1028  Telephone: 843-3575 FAX: 843-0463 Population: 8,319  Charter Number: 120 Date: March 23, 1903 County: Lonoke  Trust Department: Yes Bank Holding Company Cabot Bankshares, Inc., Cabot, AR  Chm/CEO/Pres: James M. Park EVP: Joe W. Park, Jr. SVP/Cash: Joe W. Park, Sr. SVP: William E. Williams  VP: Freda Joyner AVP: Doris Hargrove TO: Jan C. McGough  Cash and Due F ro m :................................4,870 Federal Funds and R e p o s :...................... 1,570 Investm ents:....................................... 46,472 Total Loans: ....................................... 67,655 Premises and Fixed A s s e ts :................... 2,336 Other Real Estate: .......................................... 2 Other Assets: ..........................................1,957 Total A s s e ts :..................................... 124,862 Total Trust A sse ts:.................................. 675  D e p o s its :............................................ 109,657 Federal Funds and B o rro w in g s:...............3,404 Other Liabilities: ....................................... 739 Subordinated D e b t:....................................... 0 Total Liabilities:.................................. 113,800 Total Equity Capital and Reserves: . . 11,062 Total Liabilites and Capital: . . . . . . . 124,862 Number of Shares Outstanding: . . . . 25,000  Directors: Dearl Dixon, Jerry Jones, Jack M. Lowman, Mark L. Magie, James M. Park, Joe W. Park, Jr., Joe W. Park, Sr., Gerald H. Shock, William G. Thompson, Steve P. Tipton, William E. Williams, Larry Wood  Branches in Town: Two  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Ward  Eightieth Report  47  Citizens Bank & Trust Carlisle, AR Telephone: 552-7571 FAX: 552-3636 Population: 2,500  P. 0. Box 69 118 N. Court 72024-0069  Charter Number: 628 Date: Dec. 22, 1930 County: Lonoke  Trust Department: Yes Bank Holding Company Grand Prairie Bancshares, Inc., Little Rock, AR  Chm: M. S. Woodruff CEO/Pres: Daniel C. Horton EVP: Bill J. Shoup  Cash: Janet Pasley TO: M. Gaines Young, Jr.  Cash and Due F ro m :................................2,109 Federal Funds and R e p o s :...................... 100 Investm ents:..........................................19,225 Total Loans: ....................................... 35,242 Premises and Fixed A s s e ts :................... 361 Other Real Estate: .................................... 36 Other Assets: ......................................... 900 Total A s s e ts :....................................... 57,973 Total Trust A sse ts:................................13,659  D e p o s its :...................................... 46,346 Federal Funds and B orrow ings:...............5,067 Other Liabilities: .............. 230 Subordinated D e b t:....................................... 0 Total Liabilities:.............................. 51,643 Total Equity Capital and Reserves: . . . 6,330 Total Liabilites and C apital:......... 57,973 Number of Shares Outstanding: . . . . 39,000  Directors: Tommy Hillman, Daniel C. Horton, Barry L. McKuin, Bill J. Shoup, Randall Snider, M. S. Woodruff, M. Gaines Young, Jr. Branches in Town: None  Other Branches: Humnoke  Bank of Cave City Cave City, AR P. O. Box 490 110 Main Street 72521-0490  Telephone: 283-5301 FAX: 283-6466 Population: 1,503  Charter Number: 209 Date: July 2, 1906 County: Sharp  Trust Department: Yes Bank Holding Company Sharp Bancshares, Inc., Cave City, AR  Chm/CEO/Pres/TO: Eugene Street EVP: James M. Street  Cash: Wanda Daniel  Cash and Due F ro m :................................1,602 Federal Funds and R e p o s :............................. 0 Investm ents:......................................... 15,622 Total Loans: ....................................... 24,261 Premises and Fixed A s s e ts :................... 278 Other Real Estate: .................................. 134 Other Assets: ......................................... 437 Total A s s e ts :....................................... 42,334 Total Trust A sse ts:.................................. 2,577  D e p o s its :.............................................. 33,873 Federal Funds and B orrow ings:...............5,200 Other Liabilities: ....................................... 165 Subordinated D e b t:....................................... 0 Total Liabilities:................... 39,238 Total Equity Capital and Reserves: . . . 3,096 Total Liabilites and C apital:................. 42,334 Number of Shares Outstanding: ............ 4,000  Directors: Samuel F. Beller, Clifton Crabtree, Margie Pettersen, Bruce Street, Eugene Street, James E. Street, James M. Street Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Arkansas State Bank Department  48  American State Bank Charleston, AR Telephone: 965-2201 FAX: 965-2205 Population: 2,123  P. 0. Box 128 400 East Main Street 72933-0128  Charter Number: 314 Date: June 29, 1910 County: Franklin  Trust Department: Yes Bank Holding Company American Bancshares of Arkansas, Inc., Charleston, AR  Chm/CEO: Joe S. Hiatt Pres/TO: Michael F. Flynn  Cash: Angie Haynes  Cash and Due F ro m :................................1,424 Federal Funds and R e p o s :...................... 205 Investm ents:....................................... 22,954 Total Loans: ....................................... 42,099 Premises and Fixed A s s e ts :....................1,231 Other Real Estate: ..................................... 64 Other Assets: ......................................... 3,773 Total A s s e ts :......................................... 71,750 Total Trust A sse ts:.................................. 561  D e p o s its :....................................... 63,049 Federal Funds and B o rro w in g s:............... 1,376 Other Liabilities: ....................................... 274 Subordinated D e b t:....................................... 0 Total Liabilities:............................. 64,699 Total Equity Capital and Reserves: . . . 7,051 Total Liabilites and C a p ita l:...........71,750 Number of Shares Outstanding: . . . . 12,000  Directors: Michael F. Flynn, J. Sherman Hiatt, Joe S. Hiatt, Joe 0. Larkin, W. Joe Medlock Branches in Town: None  Other Branches: Altus, Fort Smith (2), Ozark  The Merchants and Planters Bank Clarendon, AR  Telephone: 747-3319 FAX: 747-3498 Population: 2,072  P. 0. Box 280 297 Madison 72029-0280  Charter Number: 21 Date: July 23, 1890 County: Monroe  Trust Department: No Bank Holding Company Clarendon Holding Co., Clarendon, AR  Chm: James B. Sharp CEO/Pres: J. Perry Lee  Cash: Estelle Catlett  Cash and Due F ro m :................................ 1,080 Federal Funds and R e p o s :..............................0 Investm ents:....................................... 17,858 Total Loans: ............................................4,407 Premises and Fixed A s s e ts :.................... 215 Other Real Estate: .......................................... 4 Other Assets: .......................................... 504 Total A s s e ts :....................................... 24,068 Total Trust A sse ts:..........................................0  D e p o s its :................................................. 21,911 Federal Funds and B o rro w in g s:.................... 0 Other Liabilities: .......................................... 98 Subordinated D e b t:....................................... 0 Total Liabilities:..................................... 22,009 Total Equity Capital and Reserves: . . . 2,059 Total Liabilites and C apital:................. 24,068 Number of Shares Outstanding: ............ 6,000  Directors: Don Davis, Rheta Griffith, B. J. Hopson, J. Perry Lee, J. Baxter Sharp, III, James B. Sharp  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  49  Eightieth Report  Arkansas State Bank Clarksville, AR Telephone: 754-6325 FAX: 754-7398 Population: 5,833  P. 0. Box 100 Cravens & Sevier 72830-0100  Charter Number: 722 Date: March 8, 1967 County: Johnson  Trust Department: Yes Bank Holding Company West-Ark Bancshares, Inc., Clarksville, AR  Chm/CEO/Pres: C. W. Kelly EVP: Terry Q. Carson SVP/Cont/Cash: Cameron D. McKeel  SVP: Denton E. Tumbleson VP: Donald M. Stimpson  Cash and Due F ro m :................................3,486 Federal Funds and R e p o s :............................. 0 Investm ents:....................................... 42,763 Total Loans: ....................................... 78,260 Premises and Fixed A s s e ts :................... 2,306 Other Real Estate: ..................... 0 Other Assets: ......................................... 1,604 Total Assets: . ..................................... 128,419 Total Trust A sse ts:.................................. 0  D e p o s its :............................................ 110,595 Federal Funds and B orrow ings:...............6,137 Other Liabilities: .............. 515 Subordinated D e b t:....................................... 0 Total Liabilities:.................................. 117,247 Total Equity Capital and Reserves: . . 11,172 Total Liabilites and C apital:..................128,419 Number of Shares Outstanding: . . . . 25,000  Directors: Sidney L. Brain, James W. Dickerson, Jr., James R. Ford, C. W. Kelly, R. Keith Lewis, David S. Purtle, Ned Ray Purtle, Guy P. Shrigley, Harold Whitson, Dannie Wilkins  Branches in Town: Two  Other Branches: Booneville, Hartman, Lamar  Farmers Bank and Trust Company Clarksville, AR Telephone: 754-2020 FAX: 754-3492 Population: 5,833  P. 0. Box 288 214 Main Street 72830-0288  Charter Number: 737 Date: July 6, 1978 County: Johnson  Trust Department: Yes Bank Holding Company Farmers Investment Corporation, Little Rock, AR  Chm: CEO: Pres: SVP:  James C. East Joe A. Woodson Ernest Lee White Ron Collins  VP/Cash: Nina Mason VP: Harold Johnson VP: Rebecca Dougan TO: Cindy Herron  Cash and Due F ro m :............................... 2,677 Federal Funds and R e p o s :......................1,200 Investm ents:....................................... 34,625 Total Loans: ......................................... 30,147 Premises and Fixed A s s e ts :................... 607 Other Real Estate: .................................. 1,220 Other Assets: ......................................... 1,214 Total A s s e ts :......................................... 71,690 Total Trust A sse ts:.................................. 1,170  D e p o s its :.............................................. 64,835 Federal Funds and B orrow ings:................... 0 Other Liabilities: ....................................... 344 Subordinated D e b t:....................................... 0 Total Liabilities:....................................... 65,179 Total Equity Capital and Reserves: . . . 6,511 Total Liabilites and C apital:....................71,690 Number of Shares Outstanding: ............ 5,495  Directors: James C. East, J. E. Lewis, Robert C. Magee, Steven Morgan, Dayne Phillips, Bill Porter, Ernest Lee White, Joe A. Woodson Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Coal Hill  50  Arkansas State Bank Department  Clinton State Bank Clinton, AR  P. 0. Box 57 202 S. Court 72031-0057  Telephone: 745-2441 FAX: 745-2418 Population: 2,213  Charter Number: 695 Date: Oct. 16, 1946 County: Van Buren  Trust Department: Yes Bank Holding Company Clinton Bancshares, Inc., Clinton, AR  CEO/Pres: Charles W. Sharp Cash and Due F ro m :................. . Federal Funds and Repos: . . . . Investm ents:............................. . Total Loans: . ........................... . Premises and Fixed Assets: . . . Other Real Estate: ..................... Other Assets: ........................... . Total A s s e ts :............................. Total Trust A sse ts:....................  VP/Cash: Eileen Smiley . 5,340 . . 100 30,993 25,788 . . 686 . . 391 . . 824 64,122 .... 0  D e p o s its :............................................... 58,635 Federal Funds and B o rro w in g s:................ 200 Other Liabilities: ........................................ 144 Subordinated D e b t:........................................ 0 Total Liabilities:..................................... 58,979 Total Equity Capital and Reserves: . . . 5,143 Total Liabilites and C a p ita l:.....................64,122 Number of Shares Outstanding: ............. 4,000  Directors: Paul L. Bone, Jay W. Jackson, Joe E. Lee, Roy Lefler, Charles W. Sharp, Louis E. Stell Branches in Town: One  Other Branches: Damascus, Fairfield Bay, Shirley  First Community Bank Conway, AR Telephone: 450-9800 FAX: 450-9664 Population: 30,000  P. 0. Box 938 1001 Front Street 72032-0938  Charter Number: 759 Date: Aug. 15, 1991 County: Faulkner  Member of Federal Reserve System Trust Department: No Bank Holding Company None  Chm: John Hawks, Jr. CEO/Pres: Marcus J. McCain SVP: Wanda Fulmer  VP/Cash: Lee Milligan VP: Sammy L. Spears  Cash and Due F ro m :................................1,411 Federal Funds and R e p o s :...................... 1,050 Investm ents:..........................................10,326 Total Loans: ....................................... 33,037 Premises and Fixed A s s e ts :.......................631 Other Real Estate: .......................................... 0 Other Assets: .......................................... 442 Total A s s e ts :....................................... 46,897 Total Trust A sse ts:.......................................... 0  D e p o s its :...................................... 39,998 Federal Funds and B o rro w in g s:.................... 0 Other Liabilities: ....................................... 324 Subordinated D e b t:....................................... 0 Total Liabilities:............................. 40,322 Total Equity Capital and Reserves: . . . 6,575 Total Liabilites and C a p ita l:......... 46,897 Number of Shares Outstanding: . . . . 54,000  Directors: Herby Branscum, Jr., George E. Covington, Hal Crafton, John Hawks, Jr., Robert M. Hill, Linda Linn, Marcus J. McCain, Robert B. Rook  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  51  Eightieth Report  Corning Bank Corning, AR Telephone: 857-3592 FAX: 857-3309 Population: 3,500  P. O. Box 439 501 W. Second 72422-0439  Charter Number: 745 Date: June 15, 1984 County: Clay  Trust Department: No Bank Holding Company First Paragould Bankshares, Inc., Paragould, AR  Chm: Larry Brewer CEO/Pres: Donis Simpson VChm: Kelly G. Wright  EVP/Cash: William Allen VP: Bob Lockwood VP: Louise Coleman  Cash and Due F ro m :................................1,765 Federal Funds and R e p o s :..............................0 Investm ents:......................................... 11,247 Total Loans: ....................................... 43,923 Premises and Fixed A s s e ts :.................... 572 Other Real Estate: ..........................................0 Other Assets: .......................................... 908 Total A s s e ts :......................................... 58,415 Total Trust A sse ts:..........................................0  D e p o s its :...................................... 49,822 Federal Funds and B orrow ings:............... 1,575 Other Liabilities: ....................................... 298 Subordinated Debt: ....................................... 0 Total Liabilities:.............. 51,695 Total Equity Capital and Reserves: . . . 6,720 Total Liabilites and C apital:...........58,415 Number of Shares Outstanding: . . . . 10,000  Directors: Larry Brewer, William E. Brewer, Mike Ford, Dr. George A. Haynes, Roy McSpadden, J. T. Meriwether, Frank J. Schreit, Jr., Donis Simpson, Charles E. Williamson, Kelly G. Wright Branches in Town: One  Other Branches: Knobel  First State Bank Crossett, AR P. 0. Box 638 123 Main 71635-0638  Telephone: 364-5131 FAX: 364-6329 Population: 6,282  Charter Number: 718 Date: May 13, 1963 County: Ashley  Trust Department: No Bank Holding Company Evergreen Bancshares, Inc., Crossett, AR  Chm: Richard E. Griffin CEO/Pres: Jerry Ray Hambrick  SVP/Cash: Cheryl Goodwin SVP: Jeanie Parker  Cash and Due F ro m :............................... 2,087 Federal Funds and R e p o s :..............................0 Investm ents:............................................5,644 Total Loans: ......................................... 20,419 Premises and Fixed A s s e ts :................... 338 Other Real Estate: ..........................................0 Other Assets: ......................................... 701 Total A s s e ts :......................................... 29,189 Total Trust A sse ts:..........................................0  D e p o s its :.............................................. 25,939 Federal Funds and B orrow ings:............... 325 Other Liabilities: ....................................... 251 Subordinated D e b t:....................................... 0 Total Liabilities:....................................... 26,515 Total Equity Capital and Reserves: . . . 2,674 Total Liabilites and C apital:....................29,189 Number of Shares Outstanding: . . . 100,000  Directors: Bill G. Barnett, Richard E. Griffin, Maroiyn Lloyd, Mike McDaniels, James S. Nolley, Betty Ripley, Don R. Rodgers Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  52  Arkansas State Bank Department  Danville State Bank Danville, AR P. 0. Box 609 901 Main 72833-0609  Telephone: 495-2236 FAX: 495-7765 Population: 1,585  Charter Number: 615 Date: Oct. 3, 1930 County: Yell  Trust Department: No Bank Holding Company Chambers Bancshares, Inc., Danville, AR  CEO: John Ed Chambers, III Pres: Edward J. Taylor  Cash: Odean Parker  Cash and Due F ro m :................................2,200 Federal Funds and R e p o s :......................... 300 Investm ents:....................................... 22,867 Total Loans: ....................................... 78,699 Premises and Fixed A s s e ts :....................1,056 Other Real Estate: ........................................89 Other Assets: ......................................... 1,416 Total A s s e ts :..................................... 106,627 Total Trust A sse ts:.......................................... 0  D e p o s its :........................................91,929 Federal Funds and B o rro w in g s:................. 86 Other Liabilities: ....................................... 545 Subordinated D e b t:....................................... 0 Total Liabilities:............................. 92,560 Total Equity Capital and Reserves: . . 14,067 Total Liabilites and C a p ita l:...... 106,627 Number of Shares Outstanding: . . . . 10,000  Directors: John Ed Chambers, III, Lloyd R. George, Fay Mathis, Jim Pledger, Charles Sloan, Edward J. Taylor  Branches in Town: None  Other Branches: None  Arkansas Valley Bank Dardanelle, AR Telephone: 229-2151 FAX: 229-4598 Population: 3,912  P. 0. Box 330 101 South Front Street 72834-0330  Charter Number: 714 Date: Aug. 29, 1961 County: Yell  Trust Department: No Bank Holding Company None  Chm: John Ed Chambers, III CEO/Pres: Edward J. Taylor VP: Judy Elliott  VP: Mike Jacimore VP: Nancy Moore Cash: Dorthy Geibe  Cash and Due F ro m :................................1,160 Federal Funds and R e p o s :...................... 1,600 Investm ents:..........................................15,170 Total Loans: ..........................................16,285 Premises and Fixed A s s e ts :.......................484 Other Real Estate: .......................................... 0 Other Assets: .......................................... 629 Total A s s e ts :....................................... 35,328 Total Trust A sse ts:.......................................... 0  D e p o s its :....................................... 32,268 Federal Funds and B o rro w in g s:.................... 0 Other Liabilities: ....................................... 155 Subordinated D e b t:....................................... 0 Total Liabilities:............................. 32,423 Total Equity Capital and Reserves: . . . 2,905 Total Liabilites and C a p ita l:......... 35,328 Number of Shares Outstanding: . . . . 78,329  Directors: John Ed Chambers, III, Larry M. Dicks, Ray L. Ferguson, Gene D. Ring, Rennae Sims, Edward J. Taylor, Leslie F. Thone, William Thornsberry Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  53  Eightieth Report  Bank of Dardanelle Dardanelle, AR Telephone: 229-3311 FAX: 229-4180 Population: 3,912  P. O. Box 577 102 N. Front Street 72834-0577  Charter Number: 668 Date: Sep. 12, 1934 County: Yell  Trust Department: No Bank Holding Company Bank of Dardanelle Bankshares, Inc., Dardanelle, AR  Chm/CEO/Pres: Ronald L. Taylor  Cash: Janelle Parker  Cash and Due F ro m :................................1,435 Federal Funds and R e p o s :......................... 895 Investm ents:......................................... 39,134 Total Loans: ......................................... 21,582 Premises and Fixed A s s e ts :.................... 401 Other Real Estate: ..........................................0 Other Assets: ......................................... 766 Total Assets: ..........................................64,213 Total Trust A sse ts:..........................................0  D e p o s its :.............................................. 56,048 Federal Funds and B orrow ings:................... 0 Other Liabilities: ....................................... 244 Subordinated D e b t:....................................... 0 Total Liabilities:.................................... 56,292 Total Equity Capital and Reserves: . . . 7,921 Total Liabilites and C apital:....................64,213 Number of Shares Outstanding: 8,000  Directors: Thomas C. Berryhill, Bunny Bullock, William R. Bullock, Fanny B. George, Evelyn H. Jones, Dee Berryhill Longenbaugh, H. M. Orsburn, Ronald L. Taylor, Noel VanDover Branches in Town: One  Other Branches: None  First State Bank of DeQueen DeQueen, AR P. 0. Box 970 Third & Heynecker 71832-0970  Telephone: 642-4423 FAX: 642-2847 Population: 4,633  Charter Number: 731 Date: Aug. 26, 1974 County: Sevier  Trust Department: No Bank Holding Company First State Bancshares, Inc., DeQueen, AR  Chm: Lou Ellen Gray CEO/Pres: Keith Melson Cash and Due F ro m :.......... Federal Funds and Repos: . Investm ents:...................... Total Loans: ...................... Premises and Fixed Assets: Other Real Estate: ............ Other Assets: ................... Total A s s e ts :...................... Total Trust A sse ts:............  VP: Noel Bard Cash: Barbara Kitchens 218 . . 700 12,978 13,754 . . 428 . . . 22 . . 295 28,395 .... 0  D e p o s its :....................................... 25,277 Federal Funds and B orrow ings:.................... 0 Other Liabilities: .......................................... 93 Subordinated D e b t:....................................... 0 Total Liabilities:............................. 25,370 Total Equity Capital and Reserves: . . . 3,025 Total Liabilites and C apital:.......... 28,395 Number of Shares Outstanding: . . . . 76,000  Directors: Gary Bell, Lou Ellen Gray, R. S. Harris, Art Melson, Keith Melson, Ron Moore, Edward Revels, Dennis Smiley, Don Stemple, Doug Suttie Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  54  Arkansas State Bank Department  DeWitt Bank And Trust Company DeWitt, AR Telephone: 946-3531 FAX: 946-2815 Population: 3,553  P. 0. Drawer 71 Second and Jefferson Streets 72042-0071  Charter Number: 605 Date: March 1, 1929 County: Arkansas  Trust Department: Yes Bank Holding Company DBT Financial Corporation, DeWitt, AR  Chm: Elmer A. Ferguson CEO/Pres: Gary Hudson VChm: Julian Brown EVP: Phil Stark  VP: Nancy F. Rasco VP/Aud: Terry L. McCullars VP/TO: Dean Bell Cash: Carolyn Williams  Cash and Due F ro m :................................2,055 Federal Funds and R e p o s :..............................0 Investm ents:....................................... 37,608 Total Loans: ....................................... 45,706 Premises and Fixed A s s e ts :.................... 469 Other Real Estate: ..................................... 31 Other Assets: ......................................... 1,297 Total A s s e ts :......................................... 87,166 Total Trust A sse ts:................................24,719  D e p o s its :...................................... 69,431 Federal Funds and B o rro w in g s:............... 1,100 Other Liabilities: ....................................... 477 Subordinated D e b t:....................................... 0 Total Liabilities:.............................. 71,008 Total Equity Capital and Reserves: . . 16,158 Total Liabilites and C apital:.......... 87,166 Number of Shares Outstanding: . . . . 54,000  Directors: Julian Brown, E. E. Denman, Ray D. Dickson, Elmer A. Ferguson, Alton R. Hampton, Wayne Hampton, Gary Hudson, Charles E. Lumsden, Nancy F. Rasco, Jack Whitmore Branches in Town: None  Other Branches: None  Decatur State Bank Decatur, AR Telephone: 752-3281 FAX: 752-8154 Population: 976  P. O. Box 38 Hwy. 59 N. 72722-0038  Charter Number: 707 Date: May 27, 1954 County: Benton  Trust Department: No Bank Holding Company Decatur Bancshares, Inc., Decatur  Chm: Lloyd E. Peterson CEO/Pres: Vernon L. Austin VP: Paul Gaylean  VP: Bill Montgomery VP: Brenda Sprinkles Cash: Wanda Tormey  Cash and Due F ro m :............................... 3,328 Federal Funds and R e p o s :......................4,600 Investm ents:............................................6,800 Total Loans: ....................................... 45,081 Premises and Fixed A s s e ts :.......................871 Other Real Estate: .......................................... 0 Other Assets: .......................................... 443 Total A s s e ts :......................................... 61,123 Total Trust A sse ts:.......................................... 0  D e p o s its :........................................51,819 Federal Funds and B o rro w in g s:............... . 0 Other Liabilities: ....................................... 333 Subordinated D e b t:....................................... 0 Total Liabilities:.............................. 52,152 Total Equity Capital and Reserves: . . . 8,971 Total Liabilites and C apital:...........61,123 Number of Shares Outstanding: . . . . 70,000  Directors: Vernon L. Austin, Larry D. Curran, Tom M. Edminston, L. Victor Evans, Paul Gaylean, Lloyd E. Peterson, Richard E. Wilmoth  Branches in Town: None  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Gentry  Eightieth Report  55  Bank of Delight Delight, AR P. 0. Box 68 2nd and Antioch 71940-0068  Telephone: 379-2293 FAX: 379-2295 Population: 311  Charter Number: 342 Date: June 16, 1911 County: Pike  Trust Department: No Bank Holding Company None  Chm: Clarence Anthony CEO/Pres: Darwin Hendrix VChm: Olen Hendrix  EVP: Larry May SVP: Gus Wingfield Cash: Jan Mitchell  Cash and Due F ro m :................................1,238 Federal Funds and R e p o s :...................... 200 Investm ents:......................................... 27,153 Total Loans: ....................................... 22,788 Premises and Fixed A s s e ts :................... 232 Other Real Estate: .................................... 25 Other Assets: ......................................... 1,087 Total A s s e ts :.................................. .. . 52,723 Total Trust A sse ts:..........................................0  Deposits: .............................................. 46,453 Federal Funds and B orrow ings:................... 0 Other Liabilities: ....................................... 544 Subordinated D e b t:....................................... 0 Total Liabilities:............................ 46,997 Total Equity Capital and Reserves: . . . 5,726 Total Liabilites and C apital:......... 52,723 Number of Shares Outstanding: . . . . 18,750  Directors: Clarence Anthony, Gary Chambliss, Buford Hendrix, Darwin Hendrix, Gerald Hendrix, Olen Hendrix, Cecil E. Johnson, III, Larry May, Gus Wingfield  Branches in Town: None  Other Branches: Prescott  Dermott State Bank Dermott, AR Telephone: 538-3266 FAX: 538-5468 Population: 5,127  P. 0. Box C 108 Speedway East 71638-0803  Charter Number: 672 Date: July 8, 1935 County: Chicot  Trust Department: Yes Bank Holding Company DSB Bancshares, Inc., Dermott, AR  Chm: John M. Baxter CEO/Pres: Greg Miller SVP: Cathy Lay AVP/Cash: Debbie Foyil  AVP/Aud: Henry Lay AVP: Sandra Hagood AVP: Andrea Davidson TO: Janie Campbell  Cash and Due F ro m :................................ 707 Federal Funds and R e p o s :..............................0 Investm ents:..........................................12,833 Total Loans: ............................................4,328 Premises and Fixed A s s e ts :................... 293 Other Real Estate: .................................... 52 Other Assets: ......................................... 585 Total A s s e ts :..........................................18,798 81 Total Trust A sse ts:.....................  D e p o s its :....................................... 15,727 Federal Funds and B orrow ings:.............. 441 Other Liabilities: ....................................... 258 Subordinated D e b t:....................................... 0 Total Liabilities:............................. 16,426 Total Equity Capital and Reserves: . . . 2,372 Total Liabilites and C apital:...........18,798 Number of Shares Outstanding: . . . . 18,000  Directors: John Arnn, Jeff Baxter, John M. Baxter, W. A. Baxter, Frank Henry, Clarence Horton, Bernard Levi, Larry Levi, Greg Miller  Branches in Town: None  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  56  Arkansas State Bank Department  First Community Bank of S.E. Arkansas Dermott, AR Telephone: 538-3221 FAX: 538-3787 Population: 5,127  P. 0. Drawer 0 Freeman & Peddicord 71638-0815  Charter Number: 732 Date: Oct. 15, 1976 County: Chicot  Trust Department: No Bank Holding Company First Delta Financial Corporation, Dermott, AR  Chm: H. W. Thomas, M. D. CEO/Pres: Tom H. Grumbles  EVP: Mary K. Tucker Cash: Betty Morse  Cash and Due F ro m :................................1,097 Federal Funds and R e p o s :..............................0 Investm ents:............................................9,598 Total Loans: ..........................................13,603 Premises and Fixed A s s e ts :.................... 262 Other Real Estate: .......................................... 0 Other Assets: ......................................... 789 Total A s s e ts :....................................... 25,349 Total Trust A sse ts:.......................................... 0  D e p o s its :....................................... 20,206 Federal Funds and B o rro w in g s:...............2,212 Other Liabilities: ....................................... 201 Subordinated D e b t:....................................... 0 Total Liabilities:.............................. 22,619 Total Equity Capital and Reserves: . . . 2,730 Total Liabilites and C apital:.......... 25,349 Number of Shares Outstanding: . . . . 15,000  Directors: R. H. Dennington, Robert B. Gibson, Tom H. Grumbles, Daniel C. Horton, Don C. Scott, H. W. Thomas, M. D., Mary K. Tucker Branches in Town: None  Other Branches: None  Farmers & Merchants Bank Des Arc, AR Telephone: 256-4191 FAX: 256-4582 Population: 2,001  P. 0. Box 369 110 S. Third Street 72040-0369  Charter Number: 84 Date: Jan. 20, 1902 County: Prairie  Trust Department: Yes Bank Holding Company Security Bancshares, Inc., Des Arc, AR  Chm: Sherod S. White CEO/Pres/TO: James N. Thomason  Cash: Dora M. Holloway AVP: Cliff Childers  Cash and Due F ro m :................................ 1,348 Federal Funds and R e p o s :..............................0 Investm ents:..........................................14,681 Total Loans: ....................................... 20,784 Premises and Fixed A s s e ts :.................... 336 Other Real Estate: .......................................... 4 Other Assets: ......................................... 590 Total A s s e ts :....................................... 37,743 Total Trust A sse ts:............................. 11,801  D e p o s its :....................................... 27,898 Federal Funds and B o rro w in g s:...............2,125 Other Liabilities: ....................................... 216 Subordinated D e b t:....................................... 0 Total Liabilities:............................. 30,239 Total Equity Capital and Reserves: . . . 7,504 Total Liabilites and C a p ita l:.......... 37,743 Number of Shares Outstanding: . . . . 78,819  Directors: V. 0. Calhoun, George Ford, Donald Guess, Henry L. Nichols, L. A. Richmond, Bill Simmons, John Stephens, III, James N. Thomason, Sherod S. White Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Eightieth Report  57  Dumas State Bank Dumas, AR  Telephone: 382-4204 FAX: 382-2084 Population: 5,520  P. O. Box 9 1 5 Hwy. 65 & 54 7 1 6 3 9 -0 9 1 5  Charter Number: 7 2 9 Date: Jan. 1 1 ,1 9 7 4 County: Desha  Trust Department: Yes Bank Holding Company Dumas Bancshares, Inc., Dumas, AR  Chm/CEO/Pres/TO: James R. Hall EVP: Dennis H. Ferguson  VP/Cash: Anita Grimes VP: William A. W est  Cash and Due F ro m :.................................. 1,163 Federal Funds and R e p o s :........................1,935 Investments: ...............................................7 ,8 40 Total Loans: .................................... 13,290 Premises and Fixed A s s e ts :..................... 509 Other Real Estate: .............................................0 Other Assets: ............................................ 543 Total A s se ts:.......................................... 25,280 Total Trust A ssets:.................................... 232  D e p o sits:......................................... 22 ,265 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 248 Subordinated D e b t : ......................................... 0 Total Liabilities:................................ 22,513 Total Equity Capital and Reserves: . . . 2,767 Total Liabilites and C apital:.......... 25,280 Number of Shares Outstanding: . . . . 30 ,000  Directors: Dennis H. Ferguson, A. O. French, James R. Hall, Howard R. Harris, Dorothy Moore, Merle F. Peterson, William F. Teeter, Herman Vickers, William A. West Branches in Town: None  Other Branches: None  Merchants & Farmers Bank Dumas, AR Telephone: 3 8 2 -4 3 1 1 FAX: 3 8 2 -5 9 0 1 Population: 5 ,5 2 0  P. O. Box 187 1 30 W . Waterman Street 7 1 6 3 9 -0 1 8 7  Charter Number: 2 7 8 Date: May 10, 1 9 0 9 County: Desha  Trust Department: Yes Bank Holding Company M & F Financial Corporation, Dumas, AR  VP/TO: Brian L. Payne Cash: Glenda O w en  Chm/CEO: Loral M. Adcock Pres: J. M ichael Jones EVP: David J. G arrett Cash and Due F ro m :.......... Federal Funds and Repos: Investm ents:....................... Total Loans: ....................... Premises and Fixed Assets: Other Real Estate: ............. Other Assets: .................. Total A s se ts:....................... Total Trust A ssets:.............  . . . 1,886 .......... 75 . . 24,895 . . 22,297 . . . . 718 ............. 3 . . . . 966 . . 50 ,840 . . 15,363  D e p o sits:.............................................. . . 43 ,6 6 5 Federal Funds and Borrowings: . . . ............. 0 Other Liabilities: ............................... ... . . . 213 Subordinated D e b t : ......................................... 0 Total Liabilities:..................................... . 43 ,878 Total Equity Capital and Reserves: . . . 6,962 Total Liabilites and C apital:............. . . 50 ,840 Number of Shares Outstanding: . . . . 40 ,0 0 0  Directors: Ashton Adcock, Loral M. Adcock, J. E. Allmon, Jr., Charles H. Dante, Claud T. Frank, Marion S. Gill, Harold L. Jones, J. Michael Jones, Clifton L. Meador, William W. Shea, David Walt  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  58  A rk a n s a s S ta te B ank D epartm ent  First Southern Bank Earle, AR P. 0 . Box 248 801 Commerce Street 7 23 31 -0 24 8  Telephone: 792 -8 61 3 FAX: 7 35-0472 Population: 3 ,60 0  Charter Number: 696 Date: April 24, 1947 County: Crittenden  Trust Department: Yes Bank Holding Company Earle Bankshares, Inc., Earle, AR  Chm: W. P. "Buddy" Morrison CEO/Pres: John E. Gregson  EVP: Chris Lehman Cash: Mary F. Davis  Cash and Due F ro m :..................................2,451 Federal Funds and R e p o s :....................... 2,1 00 Investm ents:.............................................18,410 Total Loans: .............................................17,952 Premises and Fixed A s s e ts :........................ 948 Other Real Estate: ..................................... 242 Other Assets: ............................................ 743 Total A s se ts:.......................................... 4 2 ,8 4 6 Total Trust A ssets:.............................................0  D e p o sits:........................................... 35 ,1 8 8 Federal Funds and Borrow ings:..................... 0 Other Liabilities: .......................................... 573 Subordinated D e b t : .......................................... 0 Total Liabilities:................................ 35,761 Total Equity Capital and Reserves: . . . 7,0 8 5 Total Liabilites and C apital:........... 4 2 ,8 4 6 Number of Shares Outstanding: . . .100,000  Directors: John E. Gregson, Chris Lehman, Joe M. Morrison, John T. Morrison, W. P. "Buddy" Morrison, W. Price Morrison, James H. Taylor, Jr., David S. Wallace  Branches in Town: None  Other Branches: Crawfordsville, Marion  Citizens First Bank El Dorado, AR Telephone: 8 62 -6 6 8 3 FAX: 8 6 2 -6 68 8 Population: 2 5 ,0 0 0  P. 0 . Box 641 214 N. Washington 71731-0641  Charter Number: 658 Date: Aug. 12, 1933 County: Union  Trust Department: Yes Bank Holding Company FDH Bancshares, Inc., Little Rock, AR  Chm: Robert P. Taylor CEO/Pres: John Sinclair SVP/Cash: Yvonne Eudy SVP: Carolyn Beavers  SVP: Ken Goudy SVP: Scott Fife TO: David Henry  Cash and Due F ro m :..................................4,4 3 2 Federal Funds and R e p o s :................................0 Investm ents:.......................................... 5 9 ,2 7 4 Total Loans: .......................................... 64 ,206 Premises and Fixed A s s e ts :.....................2,939 Other Real Estate: ............................................. 0 Other Assets: ............................................ 3,4 78 Total A s se ts:....................................... 134,329 Total Trust A ssets:..................................31 ,073  D e p o sits:.................................................. 111,731 Federal Funds and Borrow ings:............. 9,111 Other Liabilities: .......................................... 981 Subordinated D e b t : .......................................... 0 Total Liabilities:........................................ 121,823 Total Equity Capital and Reserves: . . 12,506 Total Liabilites and C apital:................ 134,329 Number of Shares Outstanding: . . . . 4 0 ,0 0 0  Directors: Ted Davis, George Haefner, Noland Hagood, Edward Hurley, D. R. James, Clara Jones, Rodney Landes, Bill McGuire, John Meadows, Dr. Jim Sheppard, John Sinclair, Robert P. Taylor, Jeff Teague, Gerald Young Branches in Town: T w o   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: H uttig, S tro n g  59  Eightieth Report  The Delta State Bank Elaine, AR  Telephone: 827-3397 FAX: 827-3377 Population: 843  P. O. Box 395 128 Main Street 72333-0395  Charter Number: 697 Date: Dec. 30, 1947 County: Phillips  Trust Department: No Bank Holding Company First Delta Corporation, Helena, AR  CEO/Pres/Cash: Mary Louise Demoret Fiser Cash and Due F ro m :.................................. 481 Federal Funds and R e p o s :....................... 700 Investm ents:............................................... 1,281 Total Loans: ............................................... 874 Premises and Fixed A s s e ts :............................. 7 Other Real Estate: .............................................0 Other Assets: .....................................................8 Total A s s e ts :...............................................3,351 Total Trust A ssets:.............................................0  D e p o sits:.......................................................2,867 Federal Funds and Borrowings:..................... 0 Other Liabilities: ............................................... 6 Subordinated D e b t : ......................................... 0 Total Liabilities:............................................ 2,873 Total Equity Capital and Reserves: . . . . 478 Total Liabilites and C apital:....................... 3,351 Number of Shares Outstanding: ............. 1,600  Directors: W. H. Brandon, Mary Louise Demoret Fiser, Bart R. Lindsey, David Solomon Branches in Town: None  Other Branches: None  The Bank of Elkins Elkins, AR P. 0 . Box 3 3 3 3 4 8 North Center 7 2 7 2 7 -0 3 3 3  Telephone: 6 4 3 -2 1 3 1 FAX: 6 4 3 -2 6 5 1 Population: 6 9 2  Charter Number: 3 7 7 Date: June 1, 1 9 1 2 County: Washington  Trust Department: No Bank Holding Company Community Investment, Inc., Elkins, AR  Chm/CEO: Joel L. Bunch Pres: Joyce R. Bunch EVP: Johnnie J. Qualls  VP: Sarah L. Bunch VP: Randy Harper Cash: Dolores A. Lankford  Cash and Due F ro m :.................................. 765 Federal Funds and R e p o s :....................... 1,025 Investm ents:...............................................8,9 6 6 Total Loans: .......................................... 30 ,888 Premises and Fixed A s s e ts :........................ 9 5 4 Other Real Estate: .............................................0 Other Assets: ............................................ 410 Total A s se ts:.......................................... 43 ,008 Total Trust A ssets:............................................. 0  D e p o sits:......................................... 36,751 Federal Funds and Borrowings:................2,3 04 Other Liabilities: .......................................... 153 Subordinated D e b t : .......................................... 0 Total Liabilities:............................... 39,208 Total Equity Capital and Reserves: . . . 3,8 00 Total Liabilites and C apital:.......... 43 ,008 Number of Shares Outstanding: . . . . 10,000  Directors: Joel L. Bunch, Joyce R. Bunch, Sarah L. Bunch, David R. Malone, Miller Williams Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Goshen  60  A rk a n s a s S ta te Bank D epartm ent  Bank  o f England England, AR  P. 0 . Box 70 123 S. Main Street 7 2 0 4 6 -0 0 7 0  Telephone: 8 4 2 -2 55 5 FAX: 8 42-2422 Population: 3,36 2  Charter Number: 48 Date: Aug. 8, 1898 County: Lonoke  Trust Department: No Bank Holding Company  Chm/CEO/Pres: Gary Canada EVP: Hanna B. Canada  Cash: Sheila Rice  Cash and Due F ro m :.................................. 1,115 Federal Funds and R e p o s :................................0 Investm ents:............................................... 6,237 Total Loans: .............................................19,652 Premises and Fixed A s s e ts :..................... 340 Other Real Estate: ............................................. 0 Other Assets: ............................................. 485 Total A s s e ts :.......................................... 27 ,829 Total Trust A ssets:............................................. 0  D e p o sits:.......................................... 23,091 Federal Funds and Borrow ings:................ 1,500 Other Liabilities: .......................................... 140 Subordinated D e b t : .......................................... 0 Total Liabilities:............................... 24,731 Total Equity Capital and Reserves: . . . 3,098 Total Liabilites and C apital:.......... 27,829 Number of Shares Outstanding: . . . . 10 ,000  Directors: Gary Canada, Hanna B. Canada, Samuel C. Cobb, Otha E. Frizzell Branches in Town: None  Other Branches: None  The Eudora Bank Eudora, AR Telephone: 355-8311 FAX: 3 55 -8 50 9 Population: 3 ,40 0  P. 0 . Box 2 70 111 N. Main Street 7 1 6 4 0 -0 2 7 0  Charter Number: 629 Date: Dec. 23, 1930 County: Chicot  Trust Department: No Bank Holding Company Delta Bancshares, Inc., Eudora, AR  Chm: W. K. Grubbs CEO/Pres: Gene Keith Cash and Due F ro m :........... Federal Funds and Repos: . Investm ents:........................ Total Loans: ........................ Premises and Fixed Assets: Other Real Estate: ............. Other Assets: ..................... Total A s s e ts :........................ Total Trust A ssets:.............  VChm: Charles F. Poole VP/Cash: Claudene Stephens 1,147 ... 0 14,720 12 ,222 , . 46 0  D e p o s its :............................................ 2 3 ,106 Federal Funds and Borrow ings:................. 2,6 00 Other Liabilities: .............................................. 83 Subordinated D e b t : ........................................... 0 Total Liabilities:................................ 25 ,789  ___ 0 . 491 2 9 ,0 4 0 ... 0  Total Equity Capital and Reserves: . . . 3,251 Total Liabilites and C apital:........... 2 9 ,0 4 0 Number of Shares Outstanding: . . . . 14,000  Directors: Robert D. Avery, W. K. Grubbs, Roger Hensley, Gene Keith, Charles F. Poole, W . R. Selman, Fred A. Woodall Branches in Town: N one   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  61  Eightieth Report  Bank of Eureka Springs Eureka Springs, AR  Telephone: 253-8241 FAX: 253-6947 Population: 1,900  P. O. Box 3 0 9 7 0 S. Main 7 2 6 3 2 -0 3 0 9  Charter Number: 374 Date: May 4, 1912 County: Carroll  Trust Department: No Bank Holding Company None  Chm/CEO/Pres: John F. Cross EVP: Gary Kleck  SVP: Jay Smith Cash: Reba Pyatt  Cash and Due From: .................................. 1,770 Federal Funds and Repos: . ............................ 0 Investm ents:.............................................19,226 Total Loans: .......................................... 57,579 Premises and Fixed A s s e ts :..................... 626 Other Real Estate: .......................................... 2 Other Assets: ............................................ 955 Total Assets: .............................................80 ,158 Total Trust A ssets:............................................. 0  D e po sits:................................................. 65,509 Federal Funds and Borrowings:................6,646 Other Liabilities: ......................................... 382 Subordinated D e b t : ......................................... 0 Total Liabilities:....................................... 72 ,537 Total Equity Capital and Reserves: . . . 7,621 Total Liabilites and C apital:..................... 80 ,158 Number of Shares Outstanding: ............. 4,000  Directors: James D. Bird, A. J Clark, Claud C. Cross, John F. Cross, Ruth F. Cross, Tom Dees, Lewis E. Epley, Jr., Rex A. Gustin, Dorothy F. Mathews, Michael Mathews, Eagle Thomas, Smead Walden  Branches in Town: One  Other Branches: Holiday Island  Bank of Evening Shade Evening Shade, AR Telephone: 2 6 6 -3 2 1 5 FAX: 2 6 6 -3 5 1 4 Population: 3 2 8  P. 0 . Box 1 30 H w y 167 South 7 2 5 3 2 -0 1 3 0  Charter Number: 69 Date: Feb. 5, 1901 County: Sharp  Trust Department: No Bank Holding Company Sharp Bancshares, Inc., Cave City, AR  Chm: James M. Street CEO/Pres: A. L. Hoaney  Cash: Frances M. Estes  Cash and Due F ro m :.......................... 441 Federal Funds and R e p o s :....................... 370 Investments: ...............................................3,955 Total Loans: ...............................................6,008 Premises and Fixed A s s e ts :..................... 133 Other Real Estate: .............................................0 Other Assets: ............................................ 131 Total A s s e ts :.............................................11,038 Total Trust A ssets:............................................. 0  D e p o sits:.......................................................9,883 Federal Funds and Borrowings:..................... 0 Other Liabilities: ............................................ 57 Subordinated D e b t : ......................................... 0 Total Liabilities:............................................ 9,940 Total Equity Capital and Reserves: . . . 1,098 Total Liabilites and Capital:.................. 11,038 Number of Shares Outstanding: ............. 6,200  Directors: Samuel F. Beller, Clifton Crabtree, A. L. Hoaney, Margie Pettersen, Bruce Street, James E.  Street, James M. Street  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  A rk a n s a s S ta te Bank D epartm ent  62  Citizens Bank of Northwest Arkansas Fayetteville, AR P. 0 . Box 1407 3 5 0 0 North College 7 2 7 02 -1 40 7  Telephone: 5 21 -8 0 0 0 FAX: 5 21-8086 Population: 4 2 ,0 9 9  Charter Number: 7 60 Date: Aug. 16, 1991 County: Washington  Trust Department: No Bank Holding Company Citizens Holding Company, Muskogee, OK  Chm: Richard K. Black CEO/Pres: Dick McLelland  Cash: Andrew Campbell  Cash and Due F ro m :..................................3,488 Federal Funds and R e p o s :....................... 3,1 5 0 Investm ents:.......................................... 22,279 Total Loans: ............................................ 4 4 ,9 1 6 Premises and Fixed A s s e ts :.....................2,358 Other Real Estate: ....................................... 60 Other Assets: .............................................1,526 Total A s s e ts :.......................................... 77 ,7 7 7 Total Trust A ssets:............................................. 0  D e p o sits:...........................................61 ,2 6 0 Federal Funds and Borrow ings:................8 ,0 0 0 Other Liabilities: .......................................... 43 2 Subordinated D e b t : .......................................... 0 Total Liabilities:............................... 69 ,6 9 2 Total Equity Capital and Reserves: . . . 8 ,0 8 5 Total Liabilites and C apital:.......... 77 ,7 7 7 Number of Shares Outstanding: . . . . 2 5 ,000  Directors: Richard K. Black, Albert Hurley, David Jones, Gerald Jones, Dick McLelland, Francis Rooney, III, Jerry Sweetser Branches in Town: One  Other Branches: Rogers  Mcllroy Bank & Trust Fayetteville, AR P. 0 . Box 1327 One Mcllroy Plaza 7 27 02 -1 32 7  Telephone: 5 75 -1 0 0 0 FAX: 575-1061 Population: 4 2 ,0 9 9  Charter Number: 31 Date: Dec. 24, 1892 County: Washington  Trust Department: Yes Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR  Chm: James C. Walton CEO/Pres: James C. Glenn SVP: Billie M. Edens SVP: Gary R. Head  SVP: Robert P. Plummer VP: Jeb Mills Cash: Sherry Anderson  Cash and Due F ro m :................................14,320 Federal Funds and R e p o s :................................0 Investm ents:.......................................... 5 7 ,7 9 4 Total Loans: ....................................... 19 2,04 4 Premises and Fixed A s s e ts :.....................3,7 80 Other Real Estate: ..................................... 199 Other Assets: ............................................ 3,093 Total A s s e ts :....................................... 2 7 1,23 0 Total Trust A ssets:............................................. 0  D e p o sits:.................................................. 21 2 ,2 7 0 Federal Funds and Borrow ings:........... 3 0 ,3 6 4 Other Liabilities: .......................................... 1,927 Subordinated D e b t : .......................................... 0 Total Liabilities:..................................... 244,561 Total Equity Capital and Reserves: . . 26,669 Total Liabilites and C apital:................ 27 1 ,2 3 0 Number of Shares Outstanding: . . . 3 5 0 ,6 9 2  Directors: Larry Bittle, Frank Broyles, Carl Collier, James C. Glenn, Millard Goff, Ann Henry, James Mashburn, Paul Pinneo, Charles Scharlau, James Stewart, Fred Vorsanger, James C. Walton, Jim Bob Wheeler Branches in Town: Five   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Eightieth Report  63  Citizens First Bank Fordyce, AR Telephone: 3 5 2 -2 1 0 1 FAX: 3 5 2 -2 6 0 2 Population: 4 ,7 2 9  P. 0 . Box 7 7 0 611 W est Fourth 7 1 7 4 2 -0 2 7 2  Charter Number: 7 4 9 Date: Aug. 2 2 , 1 9 8 9 County: Dallas  Trust Department: Yes Bank Holding Company FDH Bancshares, Inc., Little Rock, AR  Chm/CEO/Pres: U. W . Mullins, Jr. EVP/Cash: Sheila H. Smith  VP: David Ramer  Cash and Due F ro m :.................................. 1,057 Federal Funds and R e p o s :........................ 225 Investm ents:.............................................17,942 Total Loans: .......................................... 22 ,909 Premises and Fixed A s s e ts :..................... 370 Other Real Estate: ..................................... 184 Other Assets: ............................................ 2,498 Total A s se ts:............................................ 4 5 ,185 Total Trust A ssets:.............................................0  D e p o sits:................................................. 40 ,2 4 2 Federal Funds and Borrowings:..................... 0 Other Liabilities: .......................................... 502 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 4 0 ,7 4 4 Total Equity Capital and Reserves: . . . 4,441 Total Liabilites and C apital:..................... 4 5 ,1 8 5 Number of Shares Outstanding: ............. 8,0 00  Directors: Allen Bedell, Jack Brent, Bill Clark, E. L. Cullum, Jr., Carolyn Jenkins, U. W. Mullins, Jr., Gerald Nutt, Robert P. Taylor, Ellen Vineyard Branches in Town: One  Other Branches: None  Fordyce Bank & Trust Company Fordyce, AR Telephone: 3 5 2 -3 1 0 7 FAX: 3 5 2 -5 2 0 2 Population: 4 ,7 2 9  2 0 0 W . Fourth Street 7 1 7 4 2 -2 2 0 2  Charter Number: 631 Date: Jan. 5, 1931 County: Dallas  Trust Department: Yes Bank Holding Company FBT Bancshares, Inc., Fordyce, AR  Chm/CEO/Pres: Curtis Hutchins SVP/TO: James V. Hulse, Jr. SVP: Suzette Crutchfield  VP/Cash: Wanda Smurl VP: David Sisson  Cash and Due F ro m :.................................. 1,723 Federal Funds and R e p o s :....................... 2,356 Investm ents:.............................................18,803 Total Loans: .......................................... 22 ,934 Premises and Fixed A s s e ts :..................... 1,202 Other Real Estate: ............................................. 0 Other Assets: ............................................ 638 Total A s se ts:.......................................... 47 ,6 5 6 Total Trust A ssets:..................................... 909  D e p o sits:................................................. 42 ,6 3 0 Federal Funds and Borrowings:................ 154 Other Liabilities: .......................................... 306 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 43 ,0 9 0 Total Equity Capital and Reserves: . . . 4,5 66 Total Liabilites and C apital:.................. 47 ,6 5 6 Number of Shares Outstanding: ............. 8,0 00  Directors: D. J. Barnes, Joe D. Barnes, E. C. Benton, Jr., Suzette Crutchfield, J. H. Everett, J. W. Hearnsberger, James V. Hulse, Jr., Curtis Hutchins, Melvin Jackson, Roy McClain, Charles B. Trussell, L. Weems Trussell Branches in Town: T w o   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  64  A rk a n s a s S ta te B ank D epartm ent  Planters Bank and Trust Company Forrest C ity, AR Telephone: 6 3 3 -2 83 3 FAX: 6 33 -2 89 4 Population: 13,364  P. 0 . Box 1539 321 N. Rosser Street 7 2 3 3 5 -1 5 3 9  Charter Number: 521 Date: April 15, 1921 County: St. Francis  Trust Department: Yes Bank Holding Company None  Chm/CEO/Pres: Frankie L. Pratt EVP: J. C. Campbell VP: Diane Thomason VP: David M. Hardke  VP: Frank Wright Cash: Donna Garner TO: Dianne Cook  Cash and Due F ro m :..................................2,093 Federal Funds and R e p o s :....................... 2,0 75 Investm ents:.......................................... 24 ,957 Total Loans: .......................................... 2 6 ,2 7 4 Premises and Fixed A s s e ts :..................... 1,493 Other Real Estate: ..................................... 128 Other Assets: ............................................. 638 Total A s s e ts :.......................................... 57 ,658 Total Trust A ssets:...........................................71  D e p o sits:.................................................. 5 0 ,2 8 2 Federal Funds and Borrow ings:..................... 0 Other Liabilities: .......................................... 232 Subordinated D e b t : .......................................... 0 Total Liabilities:.......................................... 5 0 ,5 1 4 Total Equity Capital and Reserves: . . . 7 ,1 4 4 Total Liabilites and C apital:................... 57 ,658 Number of Shares Outstanding: . . . . 2 4 ,0 0 0  Directors: J. C. Campbell, John Casbeer, J. R. Chappell, Jr., Oral Edwards, David M. Hardke, Frankie L. Pratt, Rex B. Twist Branches in Town: One  Other Branches: Cotton Plant, DeVails Bluff  Planters & Merchants Bank G illett, AR Telephone: 548-2211 FAX: 5 48 -2 21 3 Population: 883  P. 0 . Box 357 3 20 Main 7 20 55 -0 35 7  Charter Number: 721 Date: Jan. 13, 1967 County: Arkansas  Trust Department: Yes Bank Holding Company Planters & Merchants Bancshares, Inc., Gillett, AR  Chm: Keneth Smith CEO/Pres/TO: Larry E. Bauer  VP: Lloyd E. Wallace Cash: Alice M. Perritt  Cash and Due F ro m :................................. 748 Federal Funds and R e p o s :................................0 Investm ents:............................................... 2,8 05 Total Loans: .............................................16,064 Premises and Fixed A s s e ts :..................... 191 Other Real Estate: ..................................... 113 Other Assets: ............................................. 392 Total A s s e ts :.............................................20 ,313 Total Trust A ssets:..................................... 436  D e p o sits:.....................................................17,920 Federal Funds and Borrow ings:................... 35 Other Liabilities: .......................................... 153 Subordinated D e b t : .......................................... 0 Total Liabilities:.......................................... 18,108 Total Equity Capital and Reserves: . . . 2,2 05 Total Liabilites and C apital:..................... 20 ,313 Number of Shares Outstanding: . . . . 12,000  Directors: Larry E. Bauer, Johnny Holzhauer, Darrel Nichols, Scott Place, Darrall Richter, Keneth Smith, Bobby Turner, Frank C. Wolfe Branches in Town: N one   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Eightieth Report  65  The Bank of Glenwood Glenwood, AR  Telephone: 356-2121 FAX: 356-2211 Population: 1,482  P. 0 . Box 0 Broadway & Pulliam 7 1 9 4 3 -0 8 1 3  Charter Number: 398 Date: Dec. 27, 1912 County: Pike  Trust Department: No Bank Holding Company Bainum Bancorp, Glenwood, AR  Chm: Irvin C. Bainum CEO/Pres: Harold A. Smith SVP: Lynda Robbins VP: Kathryn Baxter  VP: Kathy O'Neil VP: Jim Arrington Cash: Patricia Owens  Cash and Due F ro m :.................................. 1,657 Federal Funds and R e p o s :................................0 Investm ents:.............................................10,505 Total Loans: .......................................... 34 ,392 Premises and Fixed A s s e ts :.....................1,174 Other Real Estate: ....................................... 13 Other Assets: ............................................ 411 Total A s se ts:............................................ 48 ,152 Total Trust A ssets:.............................................0  D e p o sits:................................................. 43 ,057 Federal Funds and Borrowings:................ 159 Other Liabilities: .......................................... 104 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 4 3 ,320 Total Equity Capital and Reserves: . . . 4,8 32 Total Liabilites and C apital:..................... 4 8 ,152 Number of Shares Outstanding: ............. 4,0 00  Directors: Irvin C. Bainum, Mark Bainum, Tim Bainum, Richard Cox, Victor H. Cox, Larry Mitchell, Harold A. Smith, L. J. Warneke, Roy Wisener Branches in Town: One  Other Branches: Mount Ida  First State Bank Gould, AR Telephone: 2 6 3 -4 3 2 5 FAX: 2 6 3 -4 6 8 4 Population: 1 ,4 7 0  P. 0 . Box 6 6 5 3 4 0 S. Main Street 7 1 6 4 3 -0 6 6 5  Charter Number: 7 1 9 Date: Jan. 6, 1964County: Lincoln  Trust Department: No Bank Holding Company Dumas Bancshares, Inc., Dumas, AR  Chm/CEO/Pres: James R. Hall EVP: John Shannon VP/Cash: Anita Grimes  VP/Aud: Dennis Ferguson VP: Dwayne R. Snyder  Cash and Due F ro m :.................................. 1,035 Federal Funds and R e p o s :........................ 200 Investm ents:...............................................4,421 Total Loans: ............................................ 11,653 Premises and Fixed A s s e ts :..................... 544 Other Real Estate: .............................................0 Other Assets: ............................................ 230 Total A s s e ts :............................................ 18,083 Total Trust A ssets:.............................................0  D e p o sits:......................................... 16,404 Federal Funds and Borrowings:..................... 0 Other Liabilities: ............................................ 72 Subordinated D e b t : ......................................... 0 Total Liabilities:............................... 16,476 Total Equity Capital and Reserves: . . . 1,607 Total Liabilites and C apital:............18,083 Number of Shares Outstanding: . . . . 24 ,000  Directors: Don Eifling, A. O. French, Jr., James R. Hall, R. C. Johnson, Stanley Norris, John H. Rogers, John Shannon Branches in Town: N one  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: G rady, S ta r C ity  66  A rk a n s a s S ta te B ank D epartm ent  Bank  o f Gravett G ravette, AR Charter Number: 46 Date: Feb. 28, 1898 County: Benton  P. 0 . Box 160 211 East Main 7 2 7 3 6 -0 1 6 0  Telephone: 787-5251 FAX: 7 8 7 -6 10 2 Population: 1,412  Trust Department: No Bank Holding Company  Chm/CEO/Pres: John R. Meade EVP: David N. Wills VP: William R. Meade  Cash: Larry L. Wilmoth AVP: Richard Pollreis AVP: Walt Nielsen  Cash and Due F ro m :..................................3,061 Federal Funds and R e p o s :....................... 6,4 00 Investm ents:.......................................... 29 ,450 Total Loans: .......................................... 49 ,6 0 9 Premises and Fixed A s s e ts :........................ 733 Other Real Estate: ....................................... 19 Other Assets: .............................................1,193 Total A s s e ts :.......................................... 9 0 ,4 6 5 Total Trust A ssets:............................................. 0  D e p o sits:.................................................. 77 ,3 2 9 Federal Funds and Borrow ings:..................... 0 Other Liabilities: .......................................... 622 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 77,951 Total Equity Capital and Reserves: . . 12 ,514 Total Liabilites and C apital:.................. 9 0 ,4 6 5 Number of Shares Outstanding: ............. 4 ,0 0 0  Directors: Phillip Chastain, George Cowgur, Albert Dunagin, Jim Allen Edmonson, George Haley, John R. Meade, William R. Meade, David N. Wills Branches in Town: None  Other Branches: None  Farmers Bank G reenw ood, AR Telephone: 996-4171 FAX: 9 96 -6 7 0 0 Population: 3 ,98 4  P. O. Box 610 125 West Center 7 2 9 3 6 -0 6 1 0  Charter Number: 243 Date: Aug. 7, 1907 County: Sebastian  Trust Department: Yes Bank Holding Company Wilkinson Banking Corporation, Greenwood, AR  Chm: Elizabeth Wilkinson CEO: Stanhope Wilkinson  Pres/Cash/TO: Edward Wilkinson  Cash and Due F ro m :.................................. 2,086 Federal Funds and R e p o s :................................ 0 Investm ents:.......................................... 3 6 ,268 Total Loans: .......................................... 58 ,7 6 6 Premises and Fixed A s s e ts :.....................3,0 9 6 Other Real Estate: ..................................... 144 Other Assets: .............................................1,325 Total A s s e ts :.......................................... 101,68 5 Total Trust A ssets:..................................... 892  D e p o sits:.................................................. 8 4 ,3 9 8 Federal Funds and Borrow ings:................ 4 6 6 Other Liabilities: .......................................... 420 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 8 5 ,2 8 4 Total Equity Capital and Reserves: . . 16,401 Total Liabilites and C apital:................... 10 1,68 5 Number of Shares Outstanding: ............. 7 ,5 0 0  Directors: Tresa Lowe, Edward Wilkinson, Elizabeth Wilkinson, Norman Wilkinson, Stanhope Wilkinson  Branches in Town: O ne   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: B onanza, H a cke tt, H artford  Eightieth Report  67  First State Bank of Gurdon Gurdon, AR  Telephone: 353-2521 FAX: 353-2314 Population: 2,360  P. 0 . Box 4 4 6 1 0 0 E. Main 7 1 7 4 3 -0 4 4 6  Charter Number: 61 Date: Aug. 4, 1900 County: Clark  Trust Department: No Bank Holding Company None  Chm: Charles Cabe CEO/Pres: Fred Reed  VP/Cash: Linda Bittle VP: Carroll Coston  Cash and Due F ro m :.................................. 1,088 Federal Funds and R e p o s :.................. 0 Investments: ...............................................9,8 46 Total Loans: ............................................ 14,295 Premises and Fixed A s s e ts :........................ 866 Other Real Estate: . ..................................... 41 Other Assets: 279 Total A s s e ts :............................................ 26 ,415 Total Trust A ssets:.............................................0  D e p o sits:......................................... 23,697 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 148 Subordinated D e b t : ......................................... 0 Total Liabilities:............................... 23,845 Total Equity Capital and Reserves: . . . 2,570 Total Liabilites and C apital:........... 26 ,415 Number of Shares Outstanding: . . . . 38,389  Directors: Charles Cabe, Carroll Coston, Autry Horne, Marianne Long, Robert McDowell, Fred Reed, Don Smithpeters  Branches in Town: None  Other Branches: None  Farmers Bank Ham burg, AR P. 0 . Box 3 5 0 2 1 0 N. Main 7 1 6 4 6 -0 3 5 0  Telephone: 8 5 3 -5 2 2 2 FAX: 8 5 3 -2 3 3 3 Population: 3 ,0 9 8  Charter Number: 6 8 0 Date: March 10, 1941 County: Ashley  Trust Department: No Bank Holding Company None  Chm/CEO/Pres: Dan Wingard VP: Velma Farmer  Cash: JoAnn Roberts  Cash and Due F ro m :.................................. 1,226 Federal Funds and R e p o s :................................0 Investm ents:.............................................18,965 Total Loans: .............................................13,816 Premises and Fixed A s s e ts :........................ 888 Other Real Estate: ............................................. 9 Other Assets: ............................................ 435 Total A s se ts:.......................................... 35,339 Total Trust A ssets:............................................. 0  D e p o sits:...........................................31 ,782 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 154 Subordinated D e b t : ......................................... 0 Total Liabilities:................................ 31 ,9 3 6 Total Equity Capital and Reserves: . . . 3,403 Total Liabilites and C apital:.......... 35,339 Number of Shares Outstanding: . . . . 22 ,260  Directors: P. E. Barnes, Phil Barnes, Joe Foote, Nancy Foote, W. E. Foote, Jr., William E. Johnson, Cris Jones, Jack Shell, John Spivey, Dan Wingard, Bobby Witherington Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  68  A rk a n s a s S ta te Bank D epartm ent  Calhoun County Bank H am pton, AR Telephone: 7 9 8 -2 20 7 FAX: 7 98 -4 8 3 0 Population: 1,651  P. 0 . Box 8 200 Main Street 7 1 7 4 4 -0 0 0 8  Charter Number: 220 Date: Oct. 26, 1906 County: Calhoun  Trust Department: No Bank Holding Company None  Chm/CEO: Searcy W. Harrell, Jr. Pres: B. Dickson Neal VP/Cash: Shirley Jones  VP: Len Harrell VP: Mary H. Johnston VP: Hazel Smith  Cash and Due F ro m :.................................. 1,206 Federal Funds and R e p o s :..............................50 Investm ents:.............................................19,043 Total Loans: .............................................16,931 Premises and Fixed A s s e ts :........................... 93 Other Real Estate: ....................................... 13 Other Assets: ............................................. 303 Total A s s e ts :.......................................... 37 ,639 Total Trust A ssets:............................................. 0  D e p o s its :.................................................. 29,701 Federal Funds and Borrow ings:................3 ,0 3 2 Other Liabilities: ............................................. 73 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 32 ,8 0 6 Total Equity Capital and Reserves: . . . 4,833 Total Liabilites and C apital:.................. 37 ,639 Number of Shares Outstanding: ............. 4 ,0 0 0  Directors: L. D. Becton, III, Phillip J. Foster, Fay Harrell, Len Harrell, Searcy W. Harrell, Jr., B. Dickson Neal, Richard L. Smith, Jannette H. Strickland, D. W. Wells, H. M. Welsh  Branches in Town: None  Other Branches: None  Mercantile Bank H ardy, AR Telephone: 8 5 6 -2 77 3 FAX: 8 56 -3 4 9 4 Population: 538  P. O. Box 28 Hwy. Jet. 6 2-63 -4 12 7 2 5 4 2 -0 0 2 8  Charter Number: 751 Date: Oct. 24, 1989 County: Sharp  Trust Department: No Bank Holding Company North Arkansas Bancshares, Inc., Jonesboro, AR  CEO/Pres/Cash: Bob D. Evins Cash and Due F ro m :.................................. 1,250 Federal Funds and Repos: ................................ 0 Investm ents:...............................................4,1 7 6 Total Loans: .............................................18,837 Premises and Fixed A s s e ts :..................... 805 Other Real Estate: ............................................. 0 Other Assets: ............................................. 475 Total A s s e ts :.......................................... 25 ,543 Total Trust A ssets:............................................. 0  D e p o sits:.................................................. 20 ,053 Federal Funds and Borrow ings:................3,2 3 5 Other Liabilities: .......................................... 118 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 23 ,406 Total Equity Capital and Reserves: . . . 2,1 37 Total Liabilites and C apital:.................. 25 ,543 Number of Shares Outstanding: . . . . 10,400  Directors: Bob D. E vins, Floyd H annon, Kevin King, G . L. Leiblong Branches in Town: N one   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: S id n e y  Eightieth Report  69  The Bank of Harrisburg Harrisburg, AR Telephone: 5 7 8 -2 4 7 2 FAX: 5 7 8 -2 0 4 9 Population: 1 ,9 4 3  P. 0 . Box 17 201 East Jackson 7 2 4 3 2 -0 0 1 7  Charter Number: 6 2 0 Date: Dec. 2, 1 9 3 0 County: Poinsett  Trust Department: No Bank Holding Company Lake Hamilton Enterprises, Inc., Little Rock, AR  Chm: Jim Tom Butler CEO: Paul D. Eaton  Pres: James Williams Cash: Donald Britnell  Cash and Due F ro m :.................................. 1,690 Federal Funds and R e p o s :................................0 Investments: .............................................14,680 Total Loans: ............................................ 21,827 Premises and Fixed A s s e ts :..................... 210 Other Real Estate: . .................................. 134 Other Assets: ............................................ 963 Total A s se ts:.......................................... 3 9 ,5 0 4 Total Trust Assets: ............................................. 0  D e p o sits:......................... 34 ,779 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 293 Subordinated D e b t : ......................................... 0 Total Liabilities:....................................... 35 ,072 Total Equity Capital and Reserves: . . . 4,4 32 Total Liabilites and Capital:.................. 3 9 ,5 0 4 Number of Shares Outstanding: ............. 4,0 00  Directors: Donald Britnell, Anna Margaret Butler, Connie Butler, Jim Tom Butler, Patricia Butler, Elizabeth B. Eaton, Paul D. Eaton, John Henry, James Williams  Branches in Town: None  Other Branches: None  The Security Bank Harrison, AR Telephone: 7 4 1 -8 2 0 0 FAX: 7 4 1 -8 1 0 3 Population: 9 ,9 7 9  P. 0 . Box 107 8 3 0 3 N. Main 7 2 6 0 1 -1 0 7 8  Charter Number: 6 4 7 Date: Nov. 2 0 , 1931 County: Boone  Trust Department: Yes Bank Holding Company First Commercial Corporation, Little Rock, AR  Chm/CEO/Pres: Jimmy R. Boze EVP: Gary R. Dobson  SVP/Cash: John Eoff  Cash and Due From: .................................. 6,363 Federal Funds and R e p o s :....................... 1,150 Investm ents:............................................ 3 1 ,1 4 4 Total Loans: .......................................... 70 ,4 8 2 Premises and Fixed A s s e ts :.....................1,874 Other Real Estate: ............ 141 Other Assets: .............................................1,830 Total Assets: ...........................................112,984 Total Trust A ssets:............................................. 0  D e p o sits:............................................... 102,518 Federal Funds and Borrowings:................ 524 Other Liabilities: .......................................... 556 Subordinated Debt: .......................................... 0 Total Liabilities:............... 103,598 Total Equity Capital and Reserves: . . . 9,3 86 Total Liabilites and C apital:................... 112,984 Number of Shares Outstanding: . . . . 10,000  Directors: Dr. Bill Baker, Dr. Ralph Bowers, Jimmy R. Boze, Jane E. Christenson, Gary R. Dobson, Lynn Dorrough, Junior Lee, Jerry P. Maland, Ken Milburn, Jr., Ken Reeves, F. S. Stroope, III  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  70  A rk a n s a s S ta te Bank D epartm ent  Hazen First State Bank Hazen, AR Telephone: 2 5 5 -4 56 7 FAX: 255-4271 Population: 1,668  P. 0 . Box 783 Front & Chester Streets 7 2 0 6 4 -0 7 8 3  Charter Number: 744 Date: May 12, 1983 County: Prairie  Trust Department: No Bank Holding Company Carlisle Bancshares, Inc., Little Rock, AR  Chm/CEO/Pres: Daniel C. Horton EVP: Tony Lambert  SVP/Cash: Nancy Kocourek  Cash and Due F ro m :.................................. 1,129 Federal Funds and R e p o s :........................... 725 Investm ents:.............................................10 ,304 Total Loans: ............................................... 6,809 Premises and Fixed A s s e ts :..................... 189 Other Real Estate: ............................................. 0 Other Assets: ............................................. 187 Total A s s e ts :.............................................19,343 Total Trust A ssets:............................................. 0  D e p o sits:........................................... 17,615 Federal Funds and Borrow ings:..................... 0 Other Liabilities: ............................................ 72 Subordinated D e b t : .......................................... 0 Total Liabilities:.................................17,687 Total Equity Capital and Reserves: . . . 1,656 Total Liabilites and C apital:............19,343 Number of Shares Outstanding: . . . . 13,308  Directors: Tommy Hillman, Daniel C. Horton, Barry McKuin, Robert Petter, Sr. Branches in Town: None  Other Branches: Biscoe  The Cleburne County Bank Heber Springs, AR Telephone: 362 -2 45 6 FAX: 3 62 -4 55 4 Population: 5,628  P. 0 . Box 1560 806 W. Main 7 2 5 4 3 -1 5 6 0  Charter Number: 626 Date: Dec. 16, 1930 County: Cleburne  Trust Department: No Bank Holding Company Lake Hamilton Enterprises, Inc., Little Rock, AR  Chm: Jim Tom Butler CEO: Paul D. Eaton Pres: Dale Miller EVP/Cash: Peggy Smith  VP: Mary Holland VP: Treva Jean Hipp VP: Julie Turney  Cash and Due F ro m :..................................3,3 9 0 Federal Funds and R e p o s :................................ 0 Investm ents:.......................................... 6 5 ,490 Total Loans: .......................................... 44 ,9 7 8 Premises and Fixed A s s e ts :........................ 847 Other Real Estate: ..................................... 282 Other Assets: .............................................1,904 Total A s s e ts :.......................................... 116,891 Total Trust A ssets:............................................. 0  D e p o sits:............................................... 104,803 Federal Funds and Borrow ings:................ 118 Other Liabilities: .......................................... 451 Subordinated D e b t : .......................................... 0 Total Liabilities:..................................... 105,37 2 Total Equity Capital and Reserves: . . 11,519 Total Liabilites and C apital:................116,891 Number of Shares Outstanding: ..............1,200  Directors: Walter Aldridge, Anna Margaret Butler, Connie Butler, Jim Tom Butler, Patricia Butler, Beth Eaton, Paul D. Eaton, John Henry, Jerome Johnson, Ricky L. Johnson, Richie Lee, L. E. Roberts, Jr., Wetzel Stark  Branches in Town: T w o   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: C o n co rd , G re ers Ferry  Eightieth Report  71  Greers Ferry Lake State Bank Heber Springs, AR  Telephone: 362-5883 FAX: 362-0882 Population: 5,628  P. 0. Box 970 1230 Highway 25B No. 72543-3018  Charter Number: 755 Date: July 26, 1991 County: Cleburne  Trust Department: No Bank Holding Company M & P Community Bancshares, Inc., Newport, AR  Chm/CEO/Pres: Jim S. Gowen, Sr. EVP: Gary Yow SVP: Wendall Cassell  VP: Carla P. Stiger Cash: Patricia H. Davis  Cash and Due F ro m :.................................. 620 Federal Funds and R e p o s :................................0 Investm ents:.......................................... 23 ,4 8 4 Total Loans: ...............................................8,562 Premises and Fixed A s s e ts :..................... 790 Other Real Estate: .................... 22 550 Other Assets: ............... Total A s s e ts :.......................................... 34 ,028 Total Trust A ssets:.............................................0  D e p o sits:................................................. 29,883 Federal Funds and Borrowings:................ 880 Other Liabilities: .......................................... 148 Subordinated D e b t : .......................................... 0 Total Liabilities:..........................................30,911  Directors:  Total Equity Capital and Reserves: . . . 3,117 Total Liabilites and C apital:.................. 34 ,028 Number of Shares Outstanding: . . . . 60 ,000  Morris Bowman, Jim S. Gowen, Sr., Dr. Troy A. Gray, Robert Harvey, Gerald A.  Saracini  Branches in Town: None  Other Branches: Clinton  Heber Springs State Bank Heber Springs, AR Telephone: 3 6 2 -5 8 2 1 FAX: 3 6 2 -7 4 9 1 Population: 5 ,6 2 8  P. 0 . Box 1 0 3 0 Second and Main Streets 7 2 5 4 3 -0 0 3 0  Charter Number: 7 3 5 Date: May 7, 1 9 7 7 County: Cleburne  Trust Department: Yes Bank Holding Company State Holding Company, Little Rock, AR  Chm: Harry L. Hastings, Jr. CEO/Pres/Cash: Bill G. Lynch  SVP: Janice Parrott SVP: Jack Barber  Cash and Due F ro m :..................................2,897 Federal Funds and R e p o s :........................ 535 Investm ents:.............................................19,108 Total Loans: ............................................ 30 ,7 1 6 Premises and Fixed A s s e ts :..................... 1,071 Other Real Estate: ..................................... 139 Other Assets: ............................................ 643 Total A s se ts:............................................ 55 ,109 Total Trust A ssets:.............................................0  D e p o sits:......................................... 50,471 Federal Funds and Borrowings:..................... 0 Other Liabilities: .......................................... 234 Subordinated D e b t : .......................................... 0 Total Liabilities:............................... 50 ,705 Total Equity Capital and Reserves: . . . 4,4 0 4 Total Liabilites and C apital:............55 ,109 Number of Shares Outstanding: . . . . 17,656  Directors: Harry L. Hastings, Jr., Horace Jewell, Bill G. Lynch, Catherine H. Owen Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Fairfield Bay, Greers Ferry, Quitman  A rk a n s a s S ta te Bank D epartm ent  72  Bank of Holly Grove Holly Grove, AR Telephone: 462-3331 FAX: 4 6 2 -3 9 9 2 Population: 743  P .O .B o x 419 5 10 Dr. Herd E Stone Street 7 2 0 6 9 -0 4 1 9  Charter Number: 118 Date: May 12, 1903 County: Monroe  Trust Department: No Bank Holding Company Holly Grove Bancshares, Inc., Holly Grove, AR  Chm: Herd E. Stone, Jr. CEO/Pres: William R. Reynolds  SVP/Cash: Jean M. Kirkpatrick AVP: Bobbie R. Gannon  Cash and Due F ro m :.................................. 940 Federal Funds and R e p o s :................................0 Investm ents:...............................................7 ,5 6 5 Total Loans: .............................................15,691 Premises and Fixed A s s e ts :..................... 109 Other Real Estate: ............................................. 4 Other Assets: ............................................. 435 Total A s s e ts :.......................................... 2 4 ,7 4 4 Total Trust A ssets:............................................. 0  D e p o sits:.....................................................19,715 Federal Funds and Borrow ings:................ 1,500 Other Liabilities: .......................................... 220 Subordinated D e b t : .......................................... 0 Total Liabilities:.......................................... 2 1 ,435 Total Equity Capital and Reserves: . . . 3,3 09 Total Liabilites and C apital:................... 2 4 ,7 4 4 Number of Shares Outstanding: ............. 2,4 00  Directors: Donald R. Dearing, Ruth T. Dearing, Jean M. Kirkpatrick, R. H. Mayo, William R. Reynolds, Herd E. Stone, Jr. Branches in Town: None  Other Branches: None  Horatio State Bank Horatio, AR P. 0 . Box 347 100 Main Street 7 18 42 -0 34 7  Telephone: 832-2501 FAX: 8 32-2577 Population: 793  Charter Number: 179 Date: May 15, 1905 County: Sevier  Trust Department: No Bank Holding Company Pioneer Bancshares, Inc. of Horatio, Arkansas, Horatio, AR  Chm/CEO/Pres: C. E. Hendrix, Jr. EVP/Cash: Wilburn Smith  SVP: Edith H. Smith VP: Carl E. Hendrix, III  Cash and Due F ro m :.................................. 309 Federal Funds and R e p o s :....................... 3,5 95 Investm ents:.............................................10,942 Total Loans: .......................................... 20 ,305 Premises and Fixed A s s e ts :........................ 311 Other Real Estate: ....................................... 28 Other Assets: ............................................. 368 Total A s s e ts :.......................................... 35 ,8 5 8 Total Trust A ssets:............................................. 0  D e p o s its :.................................................... 3 1 ,9 6 6 Federal Funds and Borrow ings:..................... 0 Other Liabilities: .......................................... 139 Subordinated D e b t : .......................................... 0 Total Liabilities:.......................................... 3 2 ,1 0 5 Total Equity Capital and Reserves: . . . 3,7 53 Total Liabilites and C apital:.................. 3 5 ,8 5 8 Number of Shares Outstanding: ............. 2,0 00  Directors: Margaret S. Griffin, C. E. Hendrix, Jr., Carl E. Hendrix, III, Lilia S. Hendrix, Loy Poag, Edith H. Smith, Wilburn Smith, Todd B. Trimble Branches in Town: N one   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Eightieth Report  73  Arkansas Bank and Trust Company H ot Springs, AR  Telephone: 624-4611 FAX: 624-8878 Population: 37,734  P. 0 . Box 5 6 4 0 8 3 5 Central Avenue 7 1 9 0 2 -5 6 4 0  Charter Number: 232 Date: April 18, 1907 County: Garland  Member of Federal Reserve System Trust Department: Yes Bank Holding Company ABT Bancshares Corporation, Hot Springs, AR  Chm: Cecil W. Cupp, Jr. CEO/Pres: W. Darrell Meyer EVP: Ralph E. White  SVP/Cash: Debert Graves SVP: J. L. Jones  Cash and Due F ro m :................................16,491 Federal Funds and R e p o s :....................... 8,0 60 Investments: .......................................... 101,415 Total Loans: ....................................... 268,357 Premises and Fixed A s s e ts :.....................7 ,322 Other Real Estate: .....................................1,110 Other Assets: ............................................ 6,279 Total A s se ts:............................... 4 0 9 ,0 3 4 Total Trust Assets:............................................. 0  D e p o sits:............................................... 36 9 ,1 4 5 Federal Funds and Borrowings:..................... 0 Other Liabilities: ..........................................4,175 Subordinated D e b t : ......................................... 0 Total Liabilities:.................................... 37 3 ,3 2 0 Total Equity Capital and Reserves: . . 35 ,7 1 4 Total Liabilites and C apital:................ 4 0 9 ,0 3 4 Number of Shares Outstanding: . . . 150,834  Directors: Ray L. Cash, Peggy Clark, Hiram W. Cooper, Courtney C. Crouch, Jr., Cecil W. Cupp, Jr., Cecil W. Cupp, III, Gerald H. Fisher, Edwin P. Henry, Robert W. Kleinhenz, W. Darrell Meyer, Roy L. Murphy, Jack C. Porter, Jim Randall, Brooks T. Rice, John D. Selig, Ray Smith, Jr., Gary Thorson, Ralph E. White Branches in Town: Five  Other Branches: Hot Springs Village (2)  Bank of Hot Springs H ot Springs, AR Telephone: 6 2 4 -5 5 0 1 FAX: 3 2 1 -5 0 3 3 Population: 3 7 ,7 3 4  P. 0 . Box 1 7 9 9 1 2 3 4 Central Avenue 7 1 9 0 2 -1 7 9 9  Charter Number: 7 5 8 Date: Aug. 15, 1991 County: Garland  Trust Department: Yes Bank Holding Company Central Arkansas Bancshares, Inc., Arkadelphia, AR  Chm: Ross M. Whipple CEO/Pres: Paul L. O ffutt EVP: Charles R. Dudley, il  Cash: Michael W . Ferguson TO: Janet Lloyd  Cash and Due F ro m :..................................3,961 Federal Funds and R e p o s :........................ 805 Investments: .......................................... 43 ,3 5 9 Total Loans: .......................................... 73 ,8 2 6 Premises and Fixed A s s e ts :..................... 1,938 Other Real Estate: ............................................. 0 Other Assets: ............................................ 2,469 Total A s s e ts :.................................... . 126,358 Total Trust A ssets:.................................... 155  D e p o s its :............................................... 107,459 Federal Funds and Borrowings:................6,5 05 Other Liabilities: .......................................... 630 Subordinated D e b t : ......................................... 0 Total Liabilities:.................................... 114,594 Total Equity Capital and Reserves: . . 11,764 Total Liabilites and C apital:................ 126,358 Number of Shares Outstanding: . . . . 1 2,000  Directors: Latt Bachelor, Eldon Cooley, Charles R. Dudley, II, James Latture, Jim McAdams, Paul L. Offutt, Scott Seller, Sam Stathakis, Ross M. Whipple Branches in Town: Three  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Hot Springs Village  74  A rk a n s a s S ta te Bank D epartm ent  First State Bank Huntsville, AR P. 0 . Box 667 Highway 412 West 7 27 40 -0 66 7  Telephone: 738 -2 14 7 FAX: 7 38 -1 25 5 Population: 1,600  Charter Number: 756 Date: July 26, 1991 County: Madison  Trust Department: Yes Bank Holding Company BTS Bancshares, Inc., Huntsville, AR  Chm: Sam Mathias CEO/Pres: Tom Mathias  VP: Bessie Mathias Cash: Paul Mathias  Cash and Due F ro m :.................................. 339 Federal Funds and R e p o s :................................0 Investm en ts:...............................................7 ,0 2 4 Total Loans: ...............................................9,8 68 Premises and Fixed A s s e ts :..................... 258 Other Real Estate: ............................................. 0 Other Assets: ............................................. 287 Total A s s e ts :.............................................17,776 Total Trust A ssets:............................................. 0  D e p o s its :...........................................16,067 Federal Funds and Borrow ings:................ 330 Other Liabilities: ............................................ 57 Subordinated D e b t : .......................................... 0 Total Liabilities:................................ 16 ,454 Total Equity Capital and Reserves: . . . 1,322 Total Liabilites and C apital:........... 17,776 Number of Shares Outstanding: . . . . 10,000  Directors: David Harwood, Bessie Mathias, Sam Mathias, Tom Mathias, Phil Thompson Branches in Town: None  Other Branches: None  Peoples Bank Im boden, AR P. 0 . Box 850 Hwy. 63 W. 7 2 4 3 4 -0 8 5 0  Telephone: 869-2291 FAX: 8 69 -2 17 9 Population: 661  Charter Number: 727 Date: Oct. 12, 1972 County: Lawrence  Trust Department: No Bank Holding Company Spring Rivers Bancshares, Inc., Imboden, AR  Chm: Charles F. Luter CEO: Preston L. Clark  Pres: Bob J. Downing Cash: Sandra L. McCormic  Cash and Due F ro m :.................................. 1,889 Federal Funds and R e p o s :........................1,270 Investm ents:............................................... 6,6 95 Total Loans: .......................................... 2 2 ,050 Premises and Fixed A s s e ts :..................... 671 Other Real Estate: ...........................................96 Other Assets: ............................................. 319 Total A s s e ts :.......................................... 3 2 ,9 9 0 Total Trust A ssets:............................................. 0  D e p o sits:.................................................. 3 0 ,0 0 6 Federal Funds and Borrow ings:..................... 0 Other Liabilities: .......................................... 164 Subordinated D e b t : .......................................... 0 Total Liabilities:.......................................... 3 0 ,1 7 0 Total Equity Capital and Reserves: . . . 2,8 20 Total Liabilites and C apital:.................. 3 2 ,9 9 0 Number of Shares Outstanding: ............. 6,6 00  Directors: P re sto n L. C la rk , B ob J . D o w n in g , J e rry R. Foley, C h a rle s F. Luter, D an H. M a tth e w s Branches in Town: N one   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: H oxie, S tra w b e rry  75  Eightieth Report  First Jacksonville Bank and Trust Jacksonville, AR  Telephone: 982-4511 FAX: 982-5769 Population: 30,000  Charter Number: 701 Date: Aug. 2, 1949 County: Pulaski  P. 0 . Box 8 2 7 6 0 0 W . Main 7 2 0 7 6 -0 8 2 7 Trust Department: Yes  Bank Holding Company First Arkansas Bancshares, Inc., Jacksonville, AR  Chm: Kenneth Pat Wilson CEO/Pres: Larry T. Wilson  Cash: Mary Verser TO: John McNee  Cash and Due F ro m :..................................6,173 Federal Funds and R e p o s :........................ 550 Investm ents:.......................................... 63 ,770 Total Loans: .......................................... 65 ,860 Premises and Fixed A s s e ts :.....................6,3 44 Other Real Estate: ..................................... 108 Other Assets: ............................................ 2,886 Total A s se ts:....................................... 145,691 Total Trust A ssets:............................... 50,308  D e p o sits:............................................... 127,407 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 841 Subordinated D e b t : ......................................... 0 Total Liabilities:.................................... 128,248 Total Equity Capital and Reserves: . . 17,443 Total Liabilites and C apital:................ 145,691 Number of Shares Outstanding: . . . 2 0 0,00 0  Directors: Harry Dougherty, Bart Gray, Jr., Melda Rice, Kathryn Williams, Kenneth Pat Wilson, Larry T. Wilson, Mike Wilson, Dr. T. H. Wortham  Branches in Town: Four  Other Branches: Cabot, Gravel Ridge  Newton County Bank Jasper, AR Telephone: 4 4 6 -2 2 6 5 FAX: 4 4 6 -2 3 1 0 Population: 3 3 2  P. 0 . Box 4 3 7 Church and Stone Streets 7 2 6 4 1 -0 4 3 7  Charter Number: 121 Date: March 24, 1 9 0 3 County: Newton  Trust Department: No Bank Holding Company Newco Corporation, Ozark, AR  Chm/CEO: George G. Gleason, II Pres: Danny R. Criner DptyCEO: Linda D. Gleason  SVP/Cash: George Landrum VP: Inas Mosely  Cash and Due F ro m :.................................. 1,656 Federal Funds and R e p o s :................................ 0 Investm ents:...............................................5,698 Total Loans: .......................................... 3 7 ,3 6 5 Premises and Fixed A s s e ts :..................... 684 Other Real Estate: .................................... 102 Other Assets: ............................................ 779 Total A s se ts:.......................................... 4 6 ,2 8 4 Total Trust A ssets:............................................. 0  D e p o sits:.................................................... 41 ,767 Federal Funds and Borrowings:................ 500 Other Liabilities: .......................................... 207 Subordinated D e b t : ......................................... 0 Total Liabilities:....................................... 4 2 ,4 7 4 Total Equity Capital and Reserves: . . . 3,8 10 Total Liabilites and C apital:.................. 4 6 ,2 8 4 Number of Shares Outstanding: ............. 2,340  Directors: Danny R. Criner, George G. Gleason, II, Linda D. Gleason, George Landrum, Mark D. Ross  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: W e ste rn G rove  76  A rk a n s a s S ta te B ank D epartm ent  Arkansas Bank  The  Jonesboro, AR P. 0 . Box 1617 515 West Washington 7 24 03 -1 61 7  Telephone: 932-2131 FAX: 932 -2 17 5 Population: 4 6 ,5 3 5  Charter Number: 150 Date: Feb. 13, 1904 County: Craighead  Trust Department: Yes Bank Holding Company  Chm/CEO: Sloan Rainwater Pres/COO: Mike Taylor  VChm: Steve Cox Cash: Carol Wright  Cash and Due F ro m :..................................4 ,2 3 4 Federal Funds and R e p o s :........................ 100 Investm ents:.......................................... 5 2 ,3 5 5 Total Loans: ............................................ 4 3 ,1 9 7 Premises and Fixed A s s e ts :.....................2,385 Other Real Estate: ...........................................37 Other Assets: ............................................ 3,9 20 Total A s s e ts :....................................... 106,228 Total Trust A ssets:............................................. 0  D e p o sits:...........................................9 5 ,1 1 8 Federal Funds and Borrow ings:................ 100 Other Liabilities: ....................................... 1,066 Subordinated D e b t : .......................................... 0 Total Liabilities:............................... 9 6 ,2 8 4 Total Equity Capital and Reserves: . . . 9 ,9 4 4 Total Liabilites and C apital:...... 106,228 Number of Shares Outstanding: . . . . 7 5 ,0 0 0  Directors:  Steve Cox, Virginia Cox, Jim Grisham, Jim Hinkle, Sloan Rainwater, Dr. Weldon Rainwater, William I. Rainwater, Jr., William I. Rainwater, Sr., Rick Rorex, Mike Taylor, Ike Tomlinson, Gerald Watkins  Branches in Town: Three  Other Branches: Bay, Lake City, Paragould, Piggott  Citizens Bank of Jonesboro Jonesboro, AR Telephone: 9 32 -6 60 3 FAX: 9 33 -4 3 3 4 Population: 4 6 ,5 3 5  P. O. Box 1800 Main & Washington Streets 7 2 4 0 3 -1 8 0 0  Charter Number: 488 Date: July 25, 1919 County: Craighead  Trust Department: Yes Bank Holding Company Citizens Bancshares Corporation, Little Rock, AR  Chm/CEO: Herbert H. McAdams, II Pres: Danny Williams SVP: Bill May SVP: Hal Tunstall  SVP: Ken Necessary VP/Cash: Terri Brown TO: David Daniel  Cash and Due F ro m :................................13 ,896 Federal Funds and R e p o s :................................0 Investm ents:.......................................... 8 4 ,0 0 6 Total Loans: .......................................... 9 7 ,6 4 6 Premises and Fixed A s s e ts :.....................4 ,2 4 4 Other Real Estate: ..................................... 295 Other Assets: ............................................ 2,4 82 Total A s s e ts :....................................... 2 0 2,56 9 Total Trust A ssets:................................ 7 5 ,0 2 6  D e p o sits:............................................... 175,581 Federal Funds and Borrow ings:................4 ,3 7 4 Other Liabilities: .......................................... 695 Subordinated D e b t : .......................................... 0 Total Liabilities:..................................... 180,65 0 Total Equity Capital and Reserves: . . 21 ,919 Total Liabilites and C apital:................ 2 0 2,56 9 Number of Shares Outstanding: . . . 21 7 ,0 0 0  Directors: John C. Deacon, Charlotte Eddington, W. M. Freeze, Jr., Ray Hall, Jr., H. Hall McAdams, III, Herbert H. McAdams, II, Sheila McAdams, Minor M. Markle, Oscar J. Melton, Oscar Melton, Jr., W. R. Roberts, Carl Rosenbaum, Donald Timms, Danny Williams, Dr. G. D. Wisdom Branches in Town: Four  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: C a sh , Lake C ity  77  Eightieth Report  First Bank of Arkansas Jonesboro, AR Telephone: 9 3 1 -1 0 0 0 FAX: 9 3 1 -0 0 5 5 Population: 4 6 ,5 3 5  P. 0 . Box 7 5 0 0 2 4 0 0 East Highland Drive 72401  Charter Number: 7 1 7 Date: Oct. 2 9 , 1 9 6 2 County: Craighead  Member of Federal Reserve System Trust Department: Yes Bank Holding Company Southwest Bancshares, Inc., Jonesboro, AR  Chm/CEO: Wallace W . Fowler Pres/COO: Mark Fowler CFO: Lloyd McCracken, Jr.  SVP: Louis Intres SVP/TO: Aubrey Avants AVP/Cash: Jill Lawson  Cash and Due F ro m :..................................5,602 Federal Funds and Repos: 7,100 Investments: ............................................ 36 ,179 Total Loans: ....................................... 133,878 Premises and Fixed A s s e ts :.....................6,024 Other Real Estate: .............................................0 Other Assets: .................................... .. . 2,438 Total A s se ts:.......................................... 191,221 Total Trust A ssets:.................................. 21,659  Deposits: ............................................... 173,066 Federal Funds and Borrowings:................2,435 Other Liabilities: ......................................... 738 Subordinated D e b t : ......................................... 0 Total Liabilities: 176,239 Total Equity Capital and Reserves: . . 14,982 Total Liabilites and C apital:...................191,221 Number of Shares Outstanding: . . . . 10,000  Directors: Wayne F. Baker, Claud Cash, Jama Fowler, Mark Fowler, Wallace W. Fowler, Raymond Heern, Al Heringer, Sam W. Hunmmelstein, Phil Jones, Ben Lamberth, Lloyd McCracken, Jr., Gene Vance, William C. Young, Jr. Branches in Town: Two  Other Branches: None  Mercantile Bank Jonesboro, AR Telephone: 9 3 5 -5 5 2 1 FAX: 9 3 5 -8 3 1 1 Population: 4 6 ,5 3 5  P. 0 . Box 6 0 1 8 3 0 0 S. Church 7 2 4 0 3 -6 0 1 8  Charter Number: 6 4 8 Date: Jan. 7, 1 9 3 2 County: Craighead  Trust Department: Yes Bank Holding Company North Arkansas Bancshares, Inc., Jonesboro, AR  Chm/CEO: G. L. Lieblong Pres/COO: John C. Freeman  SVP/Cash: Gary Childers TO: Craig Boone  Cash and Due From: .................................. 8,578 Federal Funds and R e p o s :................................0 Investm ents:.......................................... 40 ,463 Total Loans: .......................................... 181,433 Premises and Fixed A s s e ts :.....................5,786 Other Real Estate: ..................................... 242 Other Assets: ............................................ 9,0 23 Total A s s e ts :....................................... 2 4 5,52 5 Total Trust A ssets:............................... 59 ,336  D e p o sits:............................................... 203,449 Federal Funds and Borrowings:..............14,096 Other Liabilities: .......................................... 1,890 Subordinated D e b t : ......................................... 0 Total Liabilities:........................................2 19,435 Total Equity Capital and Reserves: . . 26 ,090 Total Liabilites and C apital:................ 24 5,52 5 Number of Shares Outstanding: . . . 100,000  Directors: Marystel Appleton, Roy Cooper, John C. Freeman, Lynn Greene, Tommy Lawrence, G.  L. Lieblong, J. C. Mahon, Eugene Smith, M. G. (Mabe) Spurlock, Douglas Wood  Branches in Town: S ix   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Bono, Brookland  78  A rk a n s a s S ta te Bank D epartm ent  Simmons First Bank of Jonesboro Jonesboro, AR P. 0 . Box 1720 1720 S. Caraway Road 7 2 4 0 3 -1 7 2 0  Telephone: 9 3 3 -8 0 0 0 FAX: 933 -2 00 8 Population: 4 6 ,5 3 5  Charter Number: 734 Date: Dec. 22, 1976 County: Craighead  Trust Department: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR  Chm: Donald W. Stone CEO/Pres: Ronald B. Jackson  EVP/Cash: Barry K. Ledbetter VP: Wayne Bond  Cash and Due F ro m :.................................. 1,934 Federal Funds and R e p o s :................................0 Investments:................................................18,987 Total Loans: .......................................... 4 9 ,9 7 6 Premises and Fixed A s s e ts :..................... 637 Other Real Estate: ...........................................48 Other Assets: .............................................1,005 Total A s s e ts :.......................................... 72 ,5 8 7 Total Trust A ssets:............................................. 0  D e p o s its :.......................................... 63,691 Federal Funds and Borrow ings:................ 1,700 Other Liabilities: .......................................... 510 Subordinated D e b t : .......................................... 0 Total Liabilities:................................ 65,901 Total Equity Capital and Reserves: . . . 6,6 86 Total Liabilites and C apital:........... 72 ,5 8 7 Number of Shares Outstanding: . . .175,000  Directors: Dennis Abell, Ava Duke, Ronald B. Jackson, J. Thomas May, Jim Scurlock, Donald W. Stone, Gene Thomason, J. C. Vaughn, Jr., Don Vollman, Mark Wimpy Branches in Town: Two  Other Branches: None  First Bank of South Arkansas Junction C ity, AR Telephone: 9 24 -4 5 5 2 FAX: 9 2 4 -5 6 7 0 Population: 1,800  P. 0 . Box F 115 North Main 7 1 7 4 9 -1 0 0 6  Charter Number: 660 Date: Aug. 28, 1933 County: Union  Trust Department: No Bank Holding Company First Community Banking Corporation, Little Rock, AR  Chm: G. R. Mosley CEO/Pres: John F. Marsh  Cash: Barbara Daniels  Cash and Due F ro m :.................................. 1,938 Federal Funds and R e p o s :........................... 80 0 Investm ents:.............................................10,291 Total Loans: .......................................... 28 ,953 Premises and Fixed A s s e ts :..................... 1,359 Other Real Estate: ............................................. 0 Other Assets: ............................................. 648 Total A s s e ts :.......................................... 4 3 ,9 8 9 Total Trust A ssets:............................................. 0  D e p o sits:......................................... 3 8 ,8 5 3 Federal Funds and Borrow ings:................ 937 Other Liabilities: .......................................... 125 Subordinated D e b t : .......................................... 0 Total Liabilities:................................ 3 9 ,9 1 5 Total Equity Capital and Reserves: . . . 4 ,0 7 4 Total Liabilites and C apital:.......... 4 3 ,9 8 9 Number of Shares Outstanding: . . . . 3 0 ,0 0 0  Directors: James A. Bloodworth, Harold Campbell, Alvin Green, Sr., Searcy W. Harrell, Jr., Daniel C.  Horton, Denver Jones, Jr., John F. Marsh, G. R. Mosley, Richard Mosley  Branches in Town: N one   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: C am d en  79  Eightieth Report  First Bank of Arkansas Kensett, AR  Telephone: 742-3318 FAX: 268-1551 Population: 1,741  P. O. Box 3 5 6 Searcy Street 7 2 0 8 2 -0 3 5 6  Charter Number: 528 Date: Feb. 17, 1922 County: White  Trust Department: Yes Bank Holding Company Southwest Bancshares, Inc., Jonesboro, AR  Chm: Wallace W. Fowler CEO/Pres: Charles Green  VP/Cash: Chris Rainbolt VP: Gene Trammel  Cash and Due F ro m :............. Federal Funds and Repos: . . Investm ents:.......... ............... Total Loans: ........................... Premises and Fixed Assets: . Other Real Estate: ................ Other Assets: ....................... Total A s se ts:....................... . Total Trust A ssets:................  . . . . .  1,057 . 765 7,598 8,2 7 0 1,405 .... 0 . 1,728 20 ,823 . ... 0  D e p o sits:.......................................... 17,744 Federal Funds and Borrowings:...................... 0 Other Liabilities: ........................................... 131 Subordinated D e b t : .......................................... 0 Total Liabilities:............................... 17,875 Total Equity Capital and Reserves: . . . 2,948 Total Liabilites and C apital:........... 20,823 Number of Shares Outstanding: . . . . 10,000  Directors: Jama Fowler, Mark Fowler, Wallace W. Fowler, Charles Green, Phil Jones, Lloyd McCracken, Jr.  Branches in Town: None  Other Branches: Searcy  Pine State Bank Kingsland, AR Telephone: 3 4 8 -5 6 5 7 FAX: 3 4 8 -1 0 0 2 Population: 3 9 5  P. 0 . Box 85 First Street 7 1 6 5 2 -0 0 8 5  Charter Number: 165 Date: Aug. 2 2 , 1 9 0 4 County: Cleveland  Trust Department: No Bank Holding Company Pine State Bancshares, Inc., Monticello, AR  Chm/CEO/Pres: M. Don Smith  EVP/Cash: Elaine Hopson  Cash and Due F ro m :.................................. 487 Federal Funds and R e p o s :........................ 665 Investments: ............................................... 2,496 Total Loans: ............................................ 6,11 6 Premises and Fixed A s s e ts :..................... 115 Other Real Estate: .............................................0 117 Other Assets: ............... Total A s se ts:...............................................9,9 96 Total Trust A ssets:.............................................0  D e p o sits:.......................................................9,143 Federal Funds and Borrowings:..................... 0 Other Liabilities: ............................................ 54 Subordinated D e b t : ......................................... 0 Total Liabilities:............................................ 9,197 Total Equity Capital and Reserves: . . . . 799 Total Liabilites and C apital:........................9,996 Number of Shares Outstanding: ............. 3,059  Directors: Ray Morrison, Bennie Ryburn, Jr., James Searcy, M. Don Smith, John Trucks Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: New Edinburg  80  A rk a n s a s S ta te Bank D epartm ent  Madison Bank and Trust Kingston, AR Telephone: 6 6 5 -2 82 5 FAX: 665 -2 17 5 Population: 206  P. 0 . Box 39 101 Public Square 7 2 7 4 2 -0 0 3 9  Charter Number: 338 Date: April 7, 1911 County: Madison  Trust Department: Yes Bank Holding Company Madison Corporation, Little Rock, AR  Chm/CEO: Roland Willshire Pres: Gary Bunch VP/Sec: Blenda Howard  VP/Cash: Jeanine Villines AVP/TO: Lori McConnell  Cash and Due F ro m :.................................. 378 Federal Funds and R e p o s :................................0 Investm ents:............................................... 3,851 Total Loans: .............................................13,545 Premises and Fixed A s s e ts :........................ 485 Other Real Estate: ....................................... 18 Other Assets: ............................................. 246 Total A s s e ts :.............................................18,523 Total Trust A ssets:.....................................1,278  D e p o sits:.....................................................16,621 Federal Funds and Borrow ings:................ 400 Other Liabilities: ............................................ 93 Subordinated D e b t : .......................................... 0 Total Liabilities:.......................................... 17,114 Total Equity Capital and Reserves: . . . 1,409 Total Liabilites and C apital:......................18,523 Number of Shares Outstanding: ............. 800  Directors: Sumner Brashears, Gary Bunch, Howard Cain, Jr., Gary Easterling, Dana Samples, Joe Shrum, Roland Willshire Branches in Town: None  Other Branches: Huntsville  The Bank of Lake Village Lake Village, AR Telephone: 265-2241 FAX: 265 -2 12 5 Population: 2,791  P. O. Box 727 101 Main Street 7 1 6 5 3 -0 7 2 7  Charter Number: 675 Date: Oct. 14, 1937 County: Chicot  Trust Department: No Bank Holding Company Southeast Arkansas Bank Corporation, Lake Village, AR  Chm: Charles H. Weissinger, Jr. CEO/Pres: Terence J. Alpe SVP: Kenneth D. Vandervort SVP: Dessie S. Gibbs  VP: Joyce Bell VP: Doris M. Rice VP: Rita L. Chandler Cash: Jakie T. Gibson  Cash and Due F ro m :.................................. 2,681 Federal Funds and R e p o s :................................ 0 Investm ents:.............................................19,616 Total Loans: .......................................... 24 ,728 Premises and Fixed A s s e ts :........................ 425 Other Real Estate: ............................................. 0 Other Assets: ............................................. 773 Total A s s e ts :.......................................... 48 ,223 Total Trust A ssets:....................... 0  D e p o sits:.................................................. 3 9 ,907 Federal Funds and Borrow ings:............. 1,937 Other Liabilities: .......................................... 180 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 4 2 ,0 2 4 Total Equity Capital and Reserves: . . . 6,199 Total Liabilites and C apital:................... 4 8 ,2 2 3 Number of Shares Outstanding: . . . . 60 ,0 0 0  Directors: Terence J. Alpe, Sam E. Angel, Wiliam W. Bunker, Dr. J. P. Burge, Hermon Carlton, David F. Gillison, Sr., David F. Gillison, Jr., Marvin D. Loyd, DDS, Ned Mazzanti, Joseph J. Pieroni, Kenneth D. Vandervort, Charles H. Weissinger, Jr., Guy Mattingly Weissinger  Branches in Town: One  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Eightieth Report  81  Simmons First Bank of Lake Village Lake Village, AR Telephone: 2 6 5 -5 3 6 6 FAX: 2 6 5 -5 5 5 8 Population: 2,791  P. 0 . Box 271 3 3 3 Main Street 7 1 6 5 3 -0 2 7 1  Charter Number: 7 1 6 Date: June 12, 1 9 6 2 County: Chicot  Trust Department: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR  Chm/CEO: Ben V. Floriani Pres: Freddie G. Black  VP/Cash: Mike S. Cashion VP/Aud: Linda S. Moreland  Cash and Due F ro m :.................................. 842 Federal Funds and Repos:. . . . . . . . . 2,000 Investm ents:.............................................11,662 Total Loans: .............................................16,723 Premises and Fixed A s s e ts :..................... 151 Other Real Estate: .......................................... 1 Other Assets: ............................................ 567 Total A s s e ts :............................................ 31 ,946 Total Trust A ssets:............................................. 0  D e p o sits:.......................................... 28,139 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 216 Subordinated D e b t : .......................................... 0 Total Liabilities:.............................. 28 ,355 Total Equity Capital and Reserves: . . . 3,591 Total Liabilites and C apital:........... 31 ,946 Number of Shares Outstanding: . . . . 1 2,500  Directors: Sam E. Adkisson, W. E. Ayres, Freddie G. Black, Mike S. Cashion, Ben V. Floriani, James W. Haddock, Craig Hunt, Cullen Livingston, Geno Mazzanti, Richard L. Pratt, Joe Dan Yee Branches in Town: None  Other Branches: None  River Valley Bank & Trust Lavaca, AR P. O. Box 110  Telephone: 4 5 2 -7 9 0 6 FAX: 4 5 2 -7 9 7 8 Population: 1 ,3 6 4  Main Street  7 2 9 4 1 -0 1 1 0  Charter Number: 3 0 8 Date: May 5, 1 9 1 0 County: Sebastian  Member of Federal Reserve System Trust Department: Yes Bank Holding Company Sebastian Bankshares, Inc., Barling, AR  Chm: Ronald H. Udouj CEO/Pres: James N. Patterson SVP: Gary W. Carmack  SVP: Paulette Chronister VP: C. Mark Mizelle Cash: Alicia D. Dooly  Cash and Due F ro m :.................................. 1,013 Federal Funds and R e p o s :................................0 Investm ents:.............................................14,925 Total Loans: .......................................... 52 ,8 8 0 Premises and Fixed A s s e ts :.....................2,0 95 Other Real Estate: .............................................0 Other Assets: ............................................ 4,768 Total A s se ts:.......................................... 75,681 Total Trust A ssets:.............................................0  D e p o sits:.......................................... 64,617 Federal Funds and Borrowings:................2,650 Other Liabilities: .......................................... 191 Subordinated D e b t : ......................................... 0 Total Liabilities:.............................. 67,458 Total Equity Capital and Reserves: . . . 8,223 Total Liabilites and Capital:.......... 75,681 Number of Shares Outstanding: . . . . 20,849  Directors: Leo Anhalt, Boyne F. Brewer, Gene E. Bruick, Rayburn L. Green, James N. Patterson, James H. Shields, Jr., Ronald H. Udouj, Henry Withers Branches in Town: N one  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Barling, V an Buren  82  A rk a n s a s S ta te B ank D epartm ent  Buffalo Island Bank Leachville, AR Telephone: 5 39 -6 35 4 FAX: 539 -2 21 3 Population: 1,742  P. 0 . Box 140 110 N. Main 7 2 4 3 8 -0 1 4 0  Charter Number: 703 Date: Jan. 23, 1951 County: Mississippi  Trust Department: No Bank Holding Company Buffalo Island Bancshares, Inc., Leachville, AR  Chm: Larry Grisham CEO/Pres: Steve May VP/Cash: Diane Davis  VP: Nathan Sanders VP: John Field  Cash and Due F ro m :.................................. 766 Federal Funds and R e p o s :................................0 Investm ents:...............................................7,4 98 Total Loans: .......................................... 20 ,207 Premises and Fixed A s s e ts :........................ 442 Other Real Estate: ............................................. 0 Other Assets: ............................................. 428 Total A s s e ts :.......................................... 29,341 Total Trust A ssets:............................................. 0  D e p o sits:...........................................21 ,707 Federal Funds and Borrow ings:................4,9 78 Other Liabilities: .......................................... 218 Subordinated D e b t : .......................................... 0 Total Liabilities:............................... 26 ,903 Total Equity Capital and Reserves: . . . 2,438 Total Liabilites and C apital:.......... 29,341 Number of Shares Outstanding: . . . . 10 ,000  Directors: Ed Grisham, Larry Grisham, Steve May, Leon Swihart Branches in Town: None  Other Branches: Caraway  Little River Bank Lepanto, AR P. O. Box 340 202 Greenwood 7 2 3 5 4 -0 3 4 0  Telephone: 4 75 -2 3 0 6 FAX: 4 7 5 -3 0 7 0 Population: 2,03 3  Charter Number: 498 Date: Nov. 21, 1919 County: Poinsett  Trust Department: Yes Bank Holding Company None  CEO/Pres: Grady Watkins, Jr. Cash: Blanche Nash  TO: Henry Watkins  Cash and Due F ro m :.................................. 1,027 Federal Funds and R e p o s :................................0 Investm ents:.............................................17,835 Total Loans: .............................................10,864 Premises and Fixed A s s e ts :.........................222 Other Real Estate: ............................................. 0 Other Assets: ............................................. 565 Total A s s e ts :............................................ 30 ,5 1 3 Total Trust A ssets:.....................................1,047  D e p o sits:.....................................................21 ,423 Federal Funds and Borrow ings:................ 2,7 70 Other Liabilities: .......................................... 211 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 2 4 ,4 0 4 Total Equity Capital and Reserves: . . . 6 ,1 0 9 Total Liabilites and C apital:..................... 3 0 ,5 1 3 Number of Shares Outstanding: . . . . 10 ,000  Directors: W . H. Cross, Julanne P. Ingram, W. K. Ingram, Jr., Junaway Payne, Dannal Perry, Ernest B. Portis, Juliet J. Portis, Danette P. Watkins, Grady Watkins, Jr., Henry Watkins  Branches in Town: N one   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Eightieth Report  83  Peoples Bank & Loan Co. Lewisville, AR Telephone: 9 2 1 -4 2 4 4 FAX: 9 2 1 -4 3 3 6 Population: 1 ,4 2 4  P. 0 . Box 1 1 0 0 3 0 5 Spruce 7 1 8 4 5 -1 1 0 0  Charter Number: 3 4 7 Date: Aug. 2 5 , 1911 County: Lafayette  Member of Federal Reserve System Trust Department: No Bank Holding Company Peoples Bancshares, Inc., Lewisville, AR  Cash: Venora Hooper  Chm: Phil Alford, Jr.  CEO/Pres: Charles Black Cash and Due F ro m :.................. 856 Federal Funds andR e p o s :......................... 740 Investments: ..................... 9,3 72 Total Loans: .............................................16,230 Premises and Fixed A s s e ts :.................. . 375 Other Real Estate: .................................. . . 0 Other Assets: ............................................ 220 Total A s se ts:.......................................... 27,793 Total Trust A ssets:.................................... , . 0  Deposits: ................................................. 24,689 Federal Funds and Borrowings:..................... 0 Other Liabilities: ............. 196 0 Subordinated Debt: ..................... Total Liabilities:....................................... 24 ,885 Total Equity Capital and Reserves: . . . 2,908 Total Liabilites and C apital:.................. 27,793 Number of Shares Outstanding: ............. 4,0 00  Directors: Phil Alford, Jr., Charles Black, O. M. Covington, Charles H. Moore, Christine Triplett, Wilma Willbanks Branches in Town: None  Other Branches: None  Bank of Lincoln Lincoln, AR P. O. Box 98  Telephone: 8 2 4 -3 2 3 2 FAX: 8 2 4 -5 7 0 3 Population: 1 ,4 6 0  W est Side Square  727 44 -0 09 8  Charter Number: 119 Date: March 19, 1 9 0 3 County: Washington  Trust Department: No Bank Holding Company Lincoln Bankshares, Inc., Lincoln, AR  Chm/CEO/Pres: Loyd R. Swope  Cash: Ronnie Rinehart  Cash and Due F ro m :.................................. 1,367 Federal Funds and R e p o s :........................1,675 Investm ents:.............................................12,410 Total Loans: .......................................... 36 ,027 Premises and Fixed A s s e ts :..................... 652 Other Real Estate: ....................................... 60 Other Assets: ............................................ 980 Total A s se ts:............................................ 53,171 Total Trust A ssets:.............................................0  D e p o sits:.................................................... 47 ,4 1 2 Federal Funds and Borrowings:................ 402 Other Liabilities: ......................................... 175 Subordinated D e b t : ......................................... 0 Total Liabilities:....................................... 47,989  Directors:  Total Equity Capital and Reserves: . . . 5,182 Total Liabilites and C apital:..................... 53,171 Number of Shares Outstanding: ............. 8,0 00  Kenneth D. Cox, Wanda K. Irwin, Herbert A. Lewis, Clark C. McClinton, Loyd R.  Swope  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Prairie G rove  84  A rk a n s a s S ta te B ank D epartm ent  Arkansas Bankers' Bank Little Rock, AR Telephone: 3 71 -0 53 5 FAX: 3 7 6 -8 89 4 Population: 1 75,795  1008 West Second Street 72201-2031  Charter Number: 752 Date: April 17, 1990 County: Pulaski  Member of Federal Reserve System Trust Department: No Bank Holding Company Arkansas Bankers' Bancorporation, Inc., Little Rock, AR  Chm: J. M. Park CEO/Pres: Bill B. May  Sec/Treas: Lindley Smith Cash: John Lock  Cash and Due F ro m :..................................2,3 45 Federal Funds and R e p o s :....................... 9 ,9 8 5 Investm ents:.............................................23,193 Total Loans: ............................................... 1,146 Premises and Fixed A s s e ts :...........................47 Other Real Estate: ............................................. 0 Other Assets: ............................................. 219 Total A s s e ts :.......................................... 3 6 ,9 3 5 Total Trust A ssets:............................................. 0  D e p o sits:.................................................. 20 ,2 2 6 Federal Funds and Borrow ings:..............13,605 Other Liabilities: ............................................ 66 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 33 ,8 9 7 Total Equity Capital and Reserves: . . . 3,0 38 Total Liabilites and C apital:.................. 3 6 ,9 3 5 Number of Shares Outstanding: . . . . 5 0 ,0 0 0  Directors: Lunsford W . Bridges, Martin Carpenter, Tom H. Grumbles, Bill B. May, J. M. Park, Lindley Smith, S. Denny Smith Branches in Town: None  Other Branches: None  Central Bank & Trust Little Rock, AR Telephone: 3 74 -7 77 7 FAX: 3 74 -2 07 9 Population: 175 ,79 5  P. 0 . Box 1583 16th & Main Streets 7 2 2 0 3 -1 5 8 3  Charter Number: 753 Date: Nov. 30, 1990 County: Pulaski  Trust Department: Yes Bank Holding Company P & W Bancshares, Inc., Little Rock, AR  Chm: Robert M. Wilson, Sr. CEO/Pres: Joseph B. Ford SVP/Cash: Bonnie Crocheron SVP: Roger Steging  SVP: Harold Hampton VP: Marty Filogamo VP: Martha Kimbrell Aud: Jason Nier  Cash and Due F ro m :..................................3 ,3 9 4 Federal Funds and R e p o s :........................ 210 Investm ents:.............................................13,951 Total Loans: .......................................... 3 3 ,9 8 5 Premises and Fixed A s s e ts :..................... 1,342 Other Real Estate: ....................................... 28 Other Assets: ............................................. 656 Total A s s e ts :.......................................... 5 3 ,566 Total Trust A ssets:............................................. 0  D e p o sits:.......................................... 4 7 ,6 4 2 Federal Funds and Borrow ings:................ 654 Other Liabilities: .......................................... 288 Subordinated D e b t : .......................................... 0 Total Liabilities:............................... 4 8 ,5 8 4 Total Equity Capital and Reserves: . . . 4,9 8 2 Total Liabilites and C apital:.......... 5 3 ,566 Number of Shares Outstanding: . . . . 2 0 ,0 0 0  Directors: Joseph B. Ford, Kenneth G. McRae, IV, Bryan Pitts, George Pitts, Jr., Robert M. Wilson, Sr.  Branches in Town: O ne  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: N orth Little R o ck  85  Eightieth Report  Citizens First Bank Little Rock, AR Telephone: 3 7 6 -0 5 5 5 FAX: 3 7 2 -5 6 8 8 Population: 1 7 5 ,7 9 5  P. 0 . Box 1951 3 2 0 Capitol at Spring Street 7 2 2 0 3 -1 9 5 1  Charter Number: 761 Date: Sep. 6, 1991 County: Pulaski  Trust Department: No Bank Holding Company FDH Bancshares, Inc., Little Rock, AR  Chm: Frank D. Hickingbotham CEO/Pres: Ted Davis SVP: J. Michael Jones  VP/Cash/Cont: Carol Carson VP: Paul Esterer  Cash and Due F ro m :.................................. 820 Federal Funds and R e p o s :....................... 3,2 90 Investm ents:.......................................... 24 ,506 Total Loans: ............................................ 21,963 Premises and Fixed A s s e ts :..................... 1,365 Other Real Estate: ............................................. 0 Other Assets: ............................................ 858 Total A s se ts:.......................................... 52 ,802 Total Trust A ssets:.............................................0  D e p o sits:................................................. 47,821 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 303 Subordinated D e b t : ......................................... 0 Total Liabilities:..........................................4 8 ,1 2 4 Total Equity Capital and Reserves: . . . 4,678 Total Liabilites and C apital:.................. 52,802 Number of Shares Outstanding: ............. 4,0 00  Directors: Edward Cullum, Jr., Ted Davis, Frank D. Hickingbotham, Robert P. Taylor, Raymond Toler  Branches in Town: One  Other Branches: Maumelle  Eagle Bank & Trust Company Little Rock, AR Telephone: 6 6 3 -2 4 5 3 FAX: 6 6 6 -3 4 2 0 Population: 1 7 5 ,7 9 5  P. 0 . Box 2 2 1 2 0 1 0 0 0 S. Rodney Parham 7 2 2 2 1 -2 1 2 0  Charter Number: 7 2 0 Date: July 2 8 , 1 9 6 6 County: Pulaski  Trust Department: Yes Bank Holding Company State Holding Company, Little Rock, AR  Chm: Harry L. Hastings, Jr. CEO/Pres/Cash: Randy K. Herlocker Sec/Treas: Catherine H. Owen  SVP: Douglas P. Scott SVP: Annette VanPelt VP/Cont: Paul R. Castleberry  Cash and Due F ro m :.................................. 1,894 Federal Funds and R e p o s :........................ 990 Investm en ts:...............................................9 ,8 2 6 Total Loans: .......................................... 24 ,7 9 6 Premises and Fixed A s s e ts :..................... 1,871 Other Real Estate: .............................................0 Other Assets: ............................................ 9 3 4 Total A s s e ts :............................................ 40,311 Total Trust A ssets:.............................................0  D e p o sits:................................................. 36 ,282 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 158 Subordinated D e b t : ......................................... 0 Total Liabilities:....................................... 3 6 ,440 Total Equity Capital and Reserves: . . . 3,871 Total Liabilites and C apital:.................. 40,311 Number of Shares Outstanding: ............. 8,0 00  Directors: Harry L. Hastings, Jr., Randy K. Herlocker, Horace Jewell, Catherine H. Owen Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Gravel Ridge, Sherwood (3)  86  A rk a n s a s S ta te B ank D epartm ent  Pulaski Bank And Trust Company Little Rock, AR Telephone: 6 6 1 -7 7 0 0 FAX: 6 61-7857 Population: 1 75,795  P. 0 . Box 7299 580 0 R Street 7 2 2 1 7 -7 2 9 9  Charter Number: 710 Date: Aug. 29, 1955 County: Pulaski  Trust Department: Yes Bank Holding Company Pulaski Investment Corporation, Little Rock, AR  Chm: James C. East CEO/Pres: Robert C. Magee EVP: James Hunter East SVP: Jerry Duncan  SVP: Judy Beaumont SVP: Jim Linsky VP/Cash: Marilyn Pearce TO: Warren Wiltshire  Cash and Due F ro m :..................................7,4 37 Federal Funds and R e p o s :................................0 Investm ents:.......................................... 30 ,4 0 8 Total Loans: .......................................... 90 ,6 6 7 Premises and Fixed A s s e ts :...................10,336 Other Real Estate: .....................................2,087 Other Assets: ............................................ 4,4 6 2 Total A s s e ts :....................................... 145,397 Total Trust A ssets:............................... 7 2 ,0 4 0  D e p o sits:............................................... 129,433 Federal Funds and Borrow ings:................3 ,2 0 2 Other Liabilities: ....................................... 1,603 Subordinated D e b t : .......................................... 0 Total Liabilities:..................................... 134,238 Total Equity Capital and Reserves: . . 11,159 Total Liabilites and C apital:................ 145,397 Number of Shares Outstanding: ..............1,850  Directors: James C. East, James Hunter East, Robert East, Robert C. Magee, Kent Westbrook, M. D., Mark V. Williamson Branches in Town: Four  Other Branches: None  Bank of Lockesburg Lockesburg, AR Telephone: 289-4071 FAX: 2 89 -2 33 0 Population: 616  P. 0 . Box 118 Main & Redbud 7 1 8 4 6 -0 1 1 8  Charter Number: 746 Date: May 3 1 ,1 9 8 5 County: Sevier  Trust Department: No Bank Holding Company DeWitt First Bankshares Corporation, DeWitt, AR  Chm: Warren Jennings, Sr.  CEO/Pres/Cash: Philip Worthen  Cash and Due F ro m :.................................. 707 Federal Funds and R e p o s :........................1,390 Investm ents:............................................... 6,739 Total Loans: ...............................................8,9 1 5 Premises and Fixed A s s e ts :..................... 143 Other Real Estate: ............................................. 0 Other Assets: ............................................. 274 Total A s s e ts :.............................................18,168 Total Trust A ssets:............................................. 0  D e p o s its :.....................................................15,590 Federal Funds and Borrow ings:..................... 0 Other Liabilities: ............................................... 0 Subordinated D e b t : .................................... 0 Total Liabilities:...........................................15,590 Total Equity Capital and Reserves: . . . 2,578 Total Liabilites and C apital:......................18,168 Number of Shares Outstanding: ............. 2,5 00  Directors: Ray Hambrick, Warren Jennings, Jr., Warren Jennings, Sr., Lester McKinley Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  87  Eightieth Report  First State Bank Lonoke, AR P. 0 . Box 3 2 0 101 S. Center Street 7 2 0 8 6 -0 3 2 0  Telephone: 6 7 6 -3 1 0 6 FAX: 6 7 6 -5 0 4 6 Population: 4 ,1 8 8  Charter Number: 6 7 0 Date: March 9, 1 9 3 5 County: Lonoke  Trust Department: No Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR  Chm: Neil Bennett, Sr. CEO/Pres: David R. Estes VChm: Wayne Bennett, Sr.  EVP: Tracy M. French Cash: Beverly White Clement  Cash and Due F ro m :.................... 1,299 Federal Funds and Repos: ................................ 0 Investments: .......................................... 42,609 Total Loans: .......................................... 23,021 Premises and Fixed A s s e ts :............. 1,775 Other Real Estate: .............................................0 Other Assets: .............................................1,003 Total A s se ts:.......................................... 69,707 Total Trust A ssets:.................................... 0  D e p o sits:......................................... 59,940 Federal Funds and Borrowings:................ 1,769 Other Liabilities: .......................................... 146 Subordinated D e b t : ......................................... 0 Total Liabilities:................................61 ,855 Total Equity Capital and Reserves: . . . 7,852 Total Liabilites and C apital:.......... 69,707 Number of Shares Outstanding: . . . . 16,000  Directors: Neil Bennett, Jr., Neil Bennett, Sr., Wayne Bennett, Jr., Wayne Bennett, Sr., David R Estes, Joe P. Melton Branches in Town: One  Other Branches: None  Farmers Bank and Trust Company M agnolia, AR Telephone:  P. 0 . Box 2 5 0 2 0 0 East Main Street 7 1 7 5 3 -0 2 5 0  2 3 5 -7 0 0 0  FAX: 2 3 5 -7 01 0 Population:  1 2 ,0 0 0  Charter Number: 2 1 7 Date: Sep. 2 6 , 1 9 0 6 County: Columbia  Trust Department: Yes Bank Holding Company Magnolia Banking Corporation, Magnolia, AR  Chm/CEO: Bob L. Burns Pres/COO: M ack L. Taylor SVP/Cash: Earl Booth SVP/TO: Bruce D. Maloch  SVP: Steve Keith VP: Danny Fitzpatrick VP: Kevin W. Pletcher  Cash and Due From: .................................. 2,856 Federal Funds and R e p o s :........................1,920 Investm ents:....................................... 111,270 Total Loans: .......................................... 93 ,248 Premises and Fixed A s s e ts :.....................3,538 Other Real Estate: ..................................... 179 Other Assets: ............................................ 4,2 15 Total A s s e ts :..........................................21 7,22 6 Total Trust A ssets:............................... 24 ,264  D e p o sits:............................................... 193,189 Federal Funds and Borrowings:................5,7 84 Other Liabilities: ......................................... 706 Subordinated D e b t : ......................................... 0 Total Liabilities:.................................... 199,679 Total Equity Capital and Reserves: . . 17,547 Total Liabilites and C apital:...................21 7,22 6 Number of Shares Outstanding: . . . 100,000  Directors: Bob L. Burns, Paul Crumpler, Paul J. English, Steve Keith, C. S. Kincaid, III, Bruce D. Maloch, Bob Neill, Wayne M. Newton, Ronnie Ribble, Ken Sibley, T. E. Smith, Mack L. Taylor  Branches in Town: T hree   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Sp rin g Hill  88  A rk a n s a s S ta te B ank D epartm ent  Bank  o f Malvern M alvern, AR  P. 0 . Box 897 327 Ash Street 7 21 04 -0 89 7  Telephone: 3 3 2 -6 96 6 FAX: 3 32 -2 37 4 Population: 9,256  Charter Number: 10 Date: June 24, 1889 County: Hot Spring  Trust Department: Yes Bank Holding Company Central Arkansas Bancshares, Inc., Arkadelphia, AR  Chm: Paul L. Offutt CEO/Pres: James Ferguson EVP: Donald A. Walsh  SVP/Cash: Mary Beth Roseberry SVP: Marsha Tanner VP: Rosemary Butler  Cash and Due F ro m :..................................3,097 Federal Funds and R e p o s :................................0 Investm ents:............................................ 50 ,1 4 5 Total Loans: .......................................... 7 0 ,329 Premises and Fixed A s s e ts :.....................2,053 Other Real Estate: ..................................... 906 Other Assets: .............................................1,968 Total A s se ts:....................................... 128,498 Total Trust A ssets:............................................. 0  D e p o sits:.......................... , ................. 104,68 5 Federal Funds and Borrow ings:................9,731 Other Liabilities: .......................................... 448 Subordinated D e b t : .......................................... 0 Total Liabilities:........................................ 11 4,86 4 Total Equity Capital and Reserves: . . 13 ,634 Total Liabilites and C apital:................ 128,498 Number of Shares Outstanding: . . . . 12 ,000  Directors: Fred Bruce, Guy Collins, James Ferguson, Dale Horn, X. L. Jones, Dr. Thomas G. Justus, Joe C. Keith, Frank Mayton, Paul L. Offutt, Mary Beth Roseberry, Donald A. Walsh, Ross Whipple Branches in Town: One  Other Branches: Bismarck  Southern State Bank M alvern, AR Telephone: 3 32 -2 46 2 FAX: 332 -3 38 6 Population: 9,25 6  Charter Number: 763 Date: Dec. 31, 1992 County: Hot Spring  P. O. Box 4 00 226 South Olive 7 2 1 0 4 -0 4 0 0 Trust Department: No Bank Holding Company None  CEO/Pres: W. H. McClure  EVP/Cash: Layne Sparks  Cash and Due F ro m :.................................. 107 Federal Funds and R e p o s :........................ 800 Investm ents:.............................................18,442 Total Loans: ............................................... 6,577 Premises and Fixed A s s e ts :........................... 41 Other Real Estate: ....................................... 60 Other Assets: ............................................. 291 Total A s s e ts :............................................ 26 ,318 Total Trust A ssets:............................................. 0  D e p o sits:......................................... 2 4 ,030 Federal Funds and Borrow ings:..................... 0 Other Liabilities: ............................................. 75 Subordinated D e b t : .......................................... 0 Total Liabilities:................................ 24 ,1 0 5 Total Equity Capital and Reserves: . . . 2,213 Total Liabilites and C apital:............26 ,318 Number of Shares Outstanding: . . . . 13,109  Directors: Frank R. McClure, George L. McClure, W. H. McClure, Glenville Rhodes, Layne Sparks, A. J. Wilks, Chris E. Williams, Nancy M. York »  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  ji  5<  r  i  89  Eightieth Report  Mercantile Bank M am m oth Spring, AR P. O. Box 310 250 Main Street 7 2 5 54 -0 31 0  Telephone: 625 -3 23 5 FAX: 625-7497 Population: 1,100  Charter Number: 750 Date: Oct. 24, 1989 County: Fulton  Trust Department: No Bank Holding Company North Arkansas Bancshares, Inc., Jonesboro, AR  Chm/CEO/Pres: William 0 . Pace  Cash: Norma G. Pace  Cash and Due F ro m :.................................. 1,816 Federal Funds and R e p o s :................................0 Investm ents:.............................................10,469 Total Loans: .............................................17,407 Premises and Fixed A s s e ts :..................... 338 Other Real Estate: .............................................0 Other Assets: .............................................1,019 Total A s s e ts :............................................ 31,049 Total Trust A ssets:.............................................0  D e p o sits:................................................. 27 ,030 Federal Funds and Borrowings:................ 1,000 Other Liabilities: ......................................... 172 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 28 ,202 Total Equity Capital and Reserves: . . . 2,847 Total Liabilites and C apital:..................... 31,049 Number of Shares Outstanding: ............. 8,0 00  Directors: Richard Garrison, William R. Hass, William 0. Pace, Wendell Ragsdale Branches in Town: None  Other Branches: None  The Merchants and Planters Bank M anila, AR Telephone: 561-4427 FAX: 561 -3 38 4 Population: 2,69 0  P. 0 . Box 540 319 N. Baltimore 7 2 4 4 2 -0 5 4 0  Charter Number: 698 Date: March 16, 1948 County: Mississippi  Trust Department: No Bank Holding Company None  Chm: Peggy F. Cheadle CEO/EVP: Max H. Schrader Pres: Betty F. Schrader  VP: Danny Robbins Cash: Norma Jackson  Cash and Due F ro m :.................................. 966 Federal Funds and R e p o s :........................ 900 Investm ents:...............................................3,848 Total Loans: .............................................10,723 Premises and Fixed A s s e ts :..................... 144 Other Real Estate: .............................................0 Other Assets: ............................................ 250 Total A s se ts:.............................................16,831 Total Trust A ssets:.............................................0  D e p o sits:......................................... 14,415 Federal Funds and Borrowings:..................... 0 Other Liabilities: ............................................ 76 Subordinated D e b t : ......................................... 0 Total Liabilities:............................... 14,491 Total Equity Capital and Reserves: . . . 2,340 Total Liabilites and C apital:............16,831 Number of Shares Outstanding: . . . . 10,000  Directors: James B. Cheadle, Peggy F. Cheadle, Hulen Faulkner, Paul W. Fleeman, Danny Robbins, Betty F. Schrader, Max H. Schrader, L. E. Townsend Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Arkansas State Bank Department  90  Bank of Mansfield M ansfield, A R P. 0 . Box 387 101 S. Sebascott  Telephone: 9 28 -4 4 1 8 FAX: 9 28 -5 14 9 Population: 1,002  7 2 9 4 4 -0 3 8 7 T ru s t D e p a rtm e n t:  Charter Number: 678 Date: Feb. 1 6 ,1 9 3 9 County: Sebastian  No  B ank Holding C o m p an y  Mansfield Bankstock, Inc., Mansfield, AR  Chm: J. Michael Shaw CEO/Pres: Joseph A. Terry VP/Cash: Margo Jones  VP: Paula Coward VP: Lary Walker VP/Aud: Elizabeth Hoopengarner  Cash and Due F ro m :.................................. 556 Federal Funds and R e p o s :........................... 300 Investm ents:...............................................9,9 98 Total Loans: .............................................13,781 Premises and Fixed A s s e ts :..................... 259 Other Real Estate: ............................................. 3 Other Assets: ............................................. 85 4 Total A s s e ts :.......................................... 25,751 Total Trust A ssets:............................................. 0  D e p o sits:.....................................................2 3 ,2 1 4 Federal Funds and Borrow ings:..................... 0 Other Liabilities: .......................................... 102 Subordinated D e b t : .......................................... 0 Total Liabilities:.......................................... 23 ,3 1 6 Total Equity Capital and Reserves: . . . 2,4 35 Total Liabilites and C apital:.................. 25,751 Number of Shares Outstanding: ............. 9 ,6 0 0  Directors: Paula Coward, Earle Overton, J. Michael Shaw, S. M. Taylor, Joseph A. Terry, Lary Walker, R. D. Wooten Branches in Town: None  Other Branches: None  Citizens Bank M arion, AR Telephone: 739-4421 FAX: 739 -1 30 5 Population: 5 ,5 0 0  P. O. Box 300 115 Block Street 7 2 3 6 4 -0 3 0 0  Charter Number: 677 Date: March 15, 1938 County: Crittenden  Trust Department: No Bank Holding Company First Citizens Bancshares Company, Marion, AR  Chm/CEO/Pres: Forrest N. Jenkins VP: Charles E. Horton VP: L. Scott Bond  Cash: Gloria Spencer AVP: Joyce D. Loyd AVP: Barbara Milligan  Cash and Due F ro m :.................................. 1,857 Federal Funds and R e p o s :................................0 Investm ents:.............................................14,561 Total Loans: .......................................... 2 4 ,4 7 5 Premises and Fixed A s s e ts :..................... 1,293 Other Real Estate: ..................................... 408 Other Assets: ............................................. 56 4 Total A s s e ts :............................................ 43 ,1 5 8 Total Trust A ssets:............................................. 0  D e p o sits:.................................................. 3 8 ,4 4 3 Federal Funds and Borrow ings:................ 8 5 0 Other Liabilities: .......................................... 112 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 3 9 ,4 0 5 Total Equity Capital and Reserves: . . . 3,7 53 Total Liabilites and C apital:..................... 4 3 ,1 5 8 Number of Shares Outstanding: ...........1,500  Directors: C. H. Bond, Jr., Sanders Carter, Frank G. Fogleman, Julian Hardin, Allen Helms, Jr., Forrest N. Jenkins, Linda Jenkins, M. L. Pike, III, James R. Stockley, Joe Taylor, III, Mary Toney, William Bart Turner Branches in Town: None  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: West Memphis  91  Eightieth Report  Marked Tree Bank M arked Tree, AR P. 0 . Box 160 210 Frisco Street 7 2 3 6 5 -0 1 6 0  Telephone: 3 58 -2 60 0 FAX: 358 -4 21 0 Population: 3,10 0  Charter Number: 651 Date: March 3, 1932 County: Poinsett  Trust Department: Yes Bank Holding Company Marked Tree Bancshares, Inc., Marked Tree, AR  Chm: E. Ritter Arnold CEO/Pres: John A. Brunner, Jr.  EVP: Phillip Marshall Cash: Frances Whitlow  Cash and Due F ro m :.................................. 1,173 Federal Funds and R e p o s :........................ 120 Investm ents:.............................................13,730 Total Loans: ............................................ 14,977 Premises and Fixed A s s e ts :..................... 232 Other Real Estate: .............................................0 Other Assets: ............... 357 Total A s s e ts :.......................................... 30 ,589 Total Trust A ssets:.............................................0  D e p o sits:................................................. 26,038 Federal Funds and Borrowings:................ 1,150 Other Liabilities: ......................................... 174 Subordinated D e b t : ......................................... 0 Total Liabilities:....................................... 27 ,362 Total Equity Capital and Reserves: . . . 3,227 Total Liabilites and C apital:.................. 30,589 Number of Shares Outstanding: ............. 2,500  Directors: E. Ritter Arnold, Mary Ann Arnold, Frank Brunner, Jr., John A. Brunner, Jr., Louis H. Goad, Daniel B. Hatzenbuehler, Pat Jackson, Phillip Marshall Branches in Town: None  Other Branches: None  Searcy County Bank Marshall, AR Telephone: 448-3341 FAX: 4 4 8 -5 4 0 4 Population: 1,400  P. 0 . Box 250 N.E. Corner of the Square 7 2 6 5 0 -0 2 5 0  Charter Number: 679 Date: Feb. 26, 1940 County: Searcy  Trust Department: No Bank Holding Company North Arkansas Bancshares, Inc., Jonesboro, AR  CEO/Pres: Neil A. Wilkins, Sr. EVP: Danny G. Horton  VP/Cash: Brenda Harness  Cash and Due F ro m :.................................. 1,207 Federal Funds and R e p o s :................................0 Investm ents:.............................................16,081 Total Loans: ................................. 17,877 Premises and Fixed A s s e ts :..................... 263 Other Real Estate: .............................................0 Other Assets: ............................................ 2,158 Total A s se ts:.......................................... 37 ,5 8 6 Total Trust A ssets:............................................. 0  D e p o sits:.................................................... 31 ,900 Federal Funds and Borrowings:................ 1,560 Other Liabilities: ......................................... 106 Subordinated D e b t : ......................................... 0 Total Liabilities:....................................... 33 ,566 Total Equity Capital and Reserves: . . . 4,0 20 Total Liabilites and C apital:.................. 3 7 ,586 Number of Shares Outstanding: ............. 4,0 00  Directors: Virgil Blair, George E. Daniel, Bob Derickson, Ancil Mays, Neil A. Wilkins, Sr. Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Leslie  Arkansas State Bank Department  92  Bank of McCrory M cC rory, AR P. 0 . Box 370 124 Edmonds Avenue 7 2 1 0 1 -0 3 7 0  Telephone: 731-2521 FAX: 7 31 -2 85 9 Population: 2 ,00 0  Charter Number: 128 Date: June 8, 1903 County: Woodruff  Trust Department: Yes Bank Holding Company M. D. Thompson & Son Co., McCrory, AR  Chm: John G. Thompson CEO/Pres: Jerry M. Dyer SVP/TO: Margaret Collier  SVP: Donny Underwood VP/Cash: Bobby Trotter VP: Jestene Reynolds  Cash and Due F ro m :.................................. 1,602 Federal Funds and R e p o s :........................1,150 Investm ents:.......................................... 3 6 ,3 6 2 Total Loans: .............................................19,542 Premises and Fixed A s s e ts :..................... 154 Other Real Estate: ....................................... 16 Other Assets: .............................................1,023 Total A s se ts:.......................................... 59 ,849 Total Trust A ssets:...........................................71  D e p o s its :.................................................. 5 0 ,3 6 0 Federal Funds and Borrow ings:................ 916 Other Liabilities: .......................................... 3 9 4 Subordinated D e b t : .......................................... 0 Total Liabilities:.......................................... 5 1 ,6 7 0 Total Equity Capital and Reserves: . . . 8,1 7 9 Total Liabilites and C apital:.................. 5 9 ,849 Number of Shares Outstanding: . . . . 2 0 ,0 0 0  Directors: I. N. Arnof, Donald Cain, Edwin B. Conner, Jr., Jerry M. Dyer, John D. Eldridge, John D. Eldridge, III, Fletcher C. Lewis, G. L. Morris, Jr., H. Ripley Thompson, John G. Thompson, Vance M. Thompson, III  Branches in Town: None  Other Branches: None  McGehee Bank M cG ehee, AR P. O. Box 787 301 N. Second Street 7 1 6 5 4 -0 7 8 7  Telephone: 222-3151 FAX: 222 -6 15 9 Population: 4 ,9 4 9  Charter Number: 661 Date: Dec. 5, 1933 County: Desha  Trust Department: Yes Bank Holding Company Southeast Financial Bankstock Corporation, McGehee, AR  Chm: Sam Bowman CEO/Pres: William W. Bowman VChm: John H. Potter, Jr.  EVP/TO: Mike Smith VP: Phillip Privett Cash: Stephen Wilson  Cash and Due F ro m :..................................3,208 Federal Funds and R e p o s :........................ 275 Investm en ts:.......................................... 3 6 ,698 Total Loans: .......................................... 3 7 ,0 2 0 Premises and Fixed A s s e ts :.........................361 Other Real Estate: ..................................... 812 Other Assets: ............................................. 986 Total A s s e ts :.......................................... 7 9 ,3 6 0 Total Trust A ssets:................................ 24,963  D e p o s its :......................................... 6 4 ,4 9 2 Federal Funds and Borrow ings:................ 800 Other Liabilities: .......................................... 659 Subordinated D e b t : .......................................... 0 Total Liabilities:............................... 65,951 Total Equity Capital and Reserves: . . 13,409 Total Liabilites and C apital:.......... 7 9 ,3 6 0 Number of Shares Outstanding: . . . . 8 0 ,0 0 0  Directors: Robert H. Adcock, Sam Bowman, William W. Bowman, Jimmy L. Buford, Bill E. Elliott, David S. Leech, John H. Potter, Jr., Mark E. Sherland, Jr., James N. Smith  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Arkansas City, Tillar, Watson  Eightieth Report  93  The Bank of North Arkansas Melbourne, AR Telephone: 368 -4 20 5 FAX: 368-4641 Population: 1,562  P. 0 . Box 70 601 Main Street 7 2 5 56 -0 07 0  Charter Number: 42 Date: July 29, 1896 County: Izard  Trust Department: No Bank Holding Company First United Bancshares, Inc., El Dorado, AR  CEO/Pres: Lloyd T. Jones, Sr. EVP: W. Mike Cone  SVP: Judy D. Sanders Cash: Ernestine Marlin  Cash and Due F ro m :.................................. 1,766 Federal Funds and R e p o s :........................ 750 Investm ents:............................................ 36 ,1 7 6 Total Loans: .......................................... 26,551 Premises and Fixed A s s e ts :..................... 782 Other Real Estate: ....................................... 19 Other Assets: .............................................1,006 Total A s se ts:............... 67 ,0 5 0 Total Trust A ssets:.............................................0  D e p o sits:...........................................61,347 Federal Funds and Borrowings:..................... 0 Other Liabilities: .......................................... 241 Subordinated D e b t : ......................................... 0 Total Liabilities:................................ 61,588 Total Equity Capital and Reserves: . . . 5,4 62 Total Liabilites and C apital:.......... 67,050 Number of Shares Outstanding: . . . . 80 ,0 0 0  Directors: W. Wesley Arnold, Harlin Hames, Lloyd T. Jones, Sr., James E. Miller Branches in Town: None  Other Branches: Calico Rock, Horseshoe Bend  The Union Bank of Mena M ena, AR Telephone: 394-2211 FAX: 3 94-3809 Population: 5,475  P. 0 . Box 898 515 Janssen Avenue 7 19 53 -0 89 8  Charter Number: 667 Date: July 25, 1934 County: Polk  Trust Department: No Bank Holding Company Union Bankshares, Inc., Mena, AR  Chm: Edward W. Stevenson CEO/Pres: Bill R. Philpot SVP: W. J. "Buddy" Newbolt, Jr.  VP/Cash: Ruby Lunsford VP: Sarah Curry  Cash and Due F ro m :..................................3,0 46 Federal Funds and R e p o s :........................1,320 Investm ents:.......................................... 3 0 ,3 4 4 Total Loans: .......................................... 60,229 Premises and Fixed A s s e ts :........................ 744 Other Real Estate: ....................................... 69 Other Assets: .............................................1,493 Total A s s e ts :.......................................... 97 ,2 4 5 Total Trust A ssets:............................................. 0  D e p o sits:......................................... 84 ,409 Federal Funds and Borrowings:................2,213 Other Liabilities: ......................................... 496 Subordinated D e b t : ......................................... 0 Total Liabilities:................................ 87 ,118 Total Equity Capital and Reserves: . . 10,127 Total Liabilites and Capital:.......... 97 ,2 4 5 Number of Shares Outstanding: . . . . 12,000  Directors: Robert A. Carver, John A. Crawford, R. L. Hamilton, David Maddox, Pauline Morrow, Bill R. Philpot, Edward W. Stevenson, Bill L. Wood Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Hatfield, Wickes  Arkansas State Bank Department  94  MidSouth Bank M o n e tte , AR P. 0 . Box 750 302 W. Drew 7 2 4 4 7 -0 7 5 0  Telephone: 4 8 6 -5 4 9 3 FAX: 4 86 -2 2 5 0 Population: 1,115  Charter Number: 673 Date: Dec. 29, 1936 County: Craighead  Trust Department: No Bank Holding Company MSB Shares, Inc., Monette, AR  Chm: Carolyn Frierson CEO/Pres: Revis G. Stewart EVP: Terry Frierson SVP: Shirley Bronaugh  VP: Bill Clark VP: James T. Thompson Cash: Teresa Ashley  Cash and Due F ro m :..................................3,0 3 0 Federal Funds and R e p o s :................................0 Investm ents:.............................................19,649 Total Loans: .......................................... 5 9 ,6 4 6 Premises and Fixed A s s e ts :.....................2,213 Other Real Estate: ..................................... 113 Other Assets: .............................................1,289 Total A s s e ts :.......................................... 8 5 ,9 4 0 Total Trust A ssets:............................................. 0  D e p o sits:.................................................. 7 6 ,0 8 6 ( Federal Funds and Borrow ings:................ 2,531 Other Liabilities: .......................................... 578 ' Subordinated D e b t : .......................................... 0 Total Liabilities:.......................................... 7 9 ,1 9 5 Total Equity Capital and Reserves: . . . 6 ,7 4 5 ( Total Liabilites and C apital:.................. 8 5 ,9 4 0 ' Number of Shares Outstanding: ............. 4 ,0 0 0  Directors: Shirley Bronaugh, George Delaney, Carolyn Frierson, Terry Frierson, Ruth Latta, Revis G. Stewart, J. E. Story, Bobby G. Wood  Branches in Town: One  Other Branches: Jonesboro (2)  Commercial Bank & Trust Company M onticello, AR Telephone: 367-6221 FAX: 3 67 -7 7 0 0 Population: 8,11 6  P. 0 . Box 150 212 W. Gaines Street 7 1 6 5 5 -0 1 5 0  Charter Number: 396 Date: Nov. 29, 1912 County: Drew  Trust Department: Yes Bank Holding Company Drew Bancshares, Inc., Monticello, AR  Chm: Virginia M. Ryburn CEO/Pres: Reginald Glover EVP/Cash: George T. Harris  SVP/TO: Rusty Smith VP: Gene Gates  Cash and Due F ro m :.................................. 2,969 Federal Funds and R e p o s :........................... 450 Investm ents:.............................................19,783 Total Loans: .......................................... 50 ,957 Premises and Fixed A s s e ts :..................... 1,213 Other Real Estate: ...........................................95 Other Assets: .............................................1,282 Total A s s e ts :.......................................... 76 ,7 4 9 Total Trust A ssets:.................................... 3 ,0 6 4  D e p o sits:.................................................. 6 8 ,7 7 2 Federal Funds and Borrow ings:..................... 0 Other Liabilities: .......................................... 431 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 6 9 ,203 Total Equity Capital and Reserves: . . . 7 ,5 4 6 Total Liabilites and C apital:................... 7 6 ,7 4 9 Number of Shares Outstanding: ............. 8 ,0 0 0  Directors: Joe Brannen, James Burks, C. C. Gibson, III, Reginald Glover, R. D. Jones, Jr., Bennie Ryburn, Jr., Virginia M. Ryburn, Kim Ward, Frank Wolfe Branches in Town: Three  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Eightieth Report  95  Union Bank And Trust Company M onticello, AR P. 0 . Box 270 102 W. McCloy 7 16 55 -0 27 0  Telephone: 3 67-3453 FAX: 4 60 -6 4 6 4 Population: 8,116  Charter Number: 448 Date: Sep. 15, 1915 County: Drew  Trust Department: Yes Bank Holding Company First Union Financial Corporation, Monticello, AR  Chm: Zach McClendon, Jr. CEO/Pres: James P. Jett  EVP/Cash/TO: Beverly Hudson VP: Joe Fakouri  Cash and Due F ro m :..................................2,843 Federal Funds and R e p o s :....................... 5,295 Investm en ts:............................................ 37 ,016 Total Loans: .......................................... 49 ,2 4 2 Premises and Fixed A s s e ts :..................... 1,413 Other Real Estate: ....................................... 31 Other Assets: ............................................ 1,369 Total A s s e ts :.......................... 97,209 Total Trust A ssets:.................................... 5,891  D e p o sits:......................................... 86 ,732 Federal Funds and Borrowings:................ 744 Other Liabilities: ......................................... 823 Subordinated D e b t : ......................................... 0 Total Liabilities:.............................. 88,299 Total Equity Capital and Reserves: . . . 8,9 10 Total Liabilites and Capital:.......... 97 ,209 Number of Shares Outstanding: . . . . 71 ,096  Directors: William K. Ball, Frank Carson, Jr., Jonathan H. Davis, Charles F. Dearman, Jr., Robert Dale Handley, Sr., Charles E. Jackson, James P. Jett, Zach McClendon, Jr., Wells Moffat, John Porter Price, Richard Reinhart, David E. Wilkins, Alan G. Williams  Branches in Town: One  Other Branches: Warren, Wilmar  The Bank of Montgomery County M ou n t Ida, AR Telephone: 8 6 7 -3 14 8 FAX: 8 6 7 -4 33 3 Population: 924  P. 0 . Box 435 George Street 7 19 57 -0 43 5  Charter Number: 617 Date: Nov. 26, 1930 County: Montgomery  Trust Department: No Bank Holding Company First Community Banking Corporation, Little Rock, AR  Chm/CEO/Pres: Daniel C. Horton EVP: Melvin L. Simpson  SVP: Marcia Summitt Cash: Hettie Abernathy  Cash and Due F ro m :.................................. 1,856 Federal Funds and R e p o s :................................0 Investm ents:.............................................17,526 Total Loans: .......................................... 39,001 Premises and Fixed Assets: ..................... 319 Other Real Estate: ..................................... 179 Other Assets: ............................................ 799 Total A s se ts:.......................................... 59 ,680 Total Trust A ssets:............................................. 0  D e p o sits:................................................. 4 5 ,925 Federal Funds and Borrowings:................4,961 Other Liabilities: ......................................... 194 Subordinated D e b t : ......................................... 0 Total Liabilities:..........................................51 ,080 Total Equity Capital and Reserves: . . . 8,6 00 Total Liabilites and C apital:.................. 59 ,680 Number of Shares Outstanding: ............. 4,0 00  Directors: A. L. Banta, Bill Barnes, Joe Brakefield, Jr., Harold Campbell, Bob Gore, Daniel C. Horton, Denver Jones, Bill Lawrence, Bobby Lybrand, Ode Maddox, G. R. Mosley, Doyel O'Neal, John Selig, Melvin L. Simpson  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  96  Arkansas State Bank Department  Peoples Bank And Trust Company M ountain Hom e, AR Telephone: 4 2 5 -2 1 6 6 FAX: 4 24 -4 3 5 3 Population: 1 0,000  P. 0 . Drawer B Ninth & Baker Streets 7 2 6 5 3 -0 4 5 8  Charter Number: 147 Date: Aug. 10, 1906 County: Baxter  Trust Department: Yes Bank Holding Company Baxter County Bancshares, Inc., Mountain Home, AR  Chm: Reynie Rutledge CEO/Pres: Larry G. Nelson  Cash: Reba Bigham TO: Paul E. Johnson  Cash and Due F ro m :..................................4,3 27 Federal Funds and R e p o s :........................1,700 Investm ents:.......................................... 96 ,4 2 0 Total Loans: ............................................ 7 1 ,8 7 4 Premises and Fixed A s s e ts :.....................2,197 Other Real Estate: ...........................................76 Other Assets: ............................................ 2,022 Total A s se ts:.......................................... 178,616 Total Trust A ssets:............................... 23,591  D e p o sits:............................................... 162,95 5 Federal Funds and Borrow ings:..................... 0 Other Liabilities: .......................................... 837 Subordinated D e b t : .......................................... 0 Total Liabilities:..................................... 163,79 2 Total Equity Capital and Reserves: . . 14 ,824 Total Liabilites and C apital:................... 17 8,61 6 Number of Shares Outstanding: . . . 11 0,00 0  Directors: R. E. Baker, James Faulkner, D. Eugene Fortson, Donald T. Jack, Jr., Guy King, James Lindsey, Larry G. Nelson, Neil Nelson, N. T. Rutledge, Reynie Rutledge, W. M. Thompson Branches in Town: One  Other Branches: None  Bank of Mountain View M ountain V ie w , AR Telephone: 2 6 9 -3 81 5 FAX: 269 -2 89 9 Population: 2,651  P. 0 . Box 1228 Main Street 7 2 5 6 0 -1 2 2 8  Charter Number: 446 Date: July 21, 1915 County: Stone  Trust Department: No Bank Holding Company None  Chm: Glen Hinkle CEO: Weldon Duncan Cash and Due F ro m :........... Federal Funds and Repos: . Investm ents:........................ Total Loans: ........................ Premises and Fixed Assets: Other Real Estate: ............. Other Assets: ..................... Total A s se ts:........................ Total Trust A ssets:.............  Pres: James G. Hinkle VP/Cash: Ron Sims . 2 ,5 5 4 . 4 ,9 0 0 3 1 ,6 4 2 4 7 ,4 6 8 . . 717 . . 234 . 1,586 89,101 . . . . 0  D e p o s its :................................................... 7 2 ,5 4 5 Federal Funds and Borrow ings:...................... 0 Other Liabilities: ........................................... 145 Subordinated D e b t : ........................................... 0 Total Liabilities:........................................ 7 2 ,6 9 0 Total Equity Capital and Reserves: . . 16,411 Total Liabilites and C apital:...................... 89,101 Number of Shares Outstanding: .............. 4 ,0 0 0  Directors: Glen Hinkle, James G. Hinkle, Kenneth Sutton Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  97  Eightieth Report  Bank of Mulberry M ulberry, AR P. 0 . Drawer A 311 Main Street  Telephone: 9 97 -1 15 4 FAX: 997-1161 Population: 1,491  7 2 9 4 7 -0 4 8 0 T ru st D ep artm en t:  Charter Number: 81 Date: Jan. 1 5 , 1 9 0 2 County: Crawford  No  Bank Holding C om p an y  Acme Holding Company, Inc., Mulberry, AR  Chm: Lex Golden CEO/Pres: Betty Feller  VP/Cash: Dianna Millsap  Cash and Due F ro m :.................................. 1,239 Federal Funds and R e p o s :...........................405 Investm ents:...............................................4,5 68 Total Loans: .............................................18,989 Premises and Fixed A s s e ts :..................... 354 Other Real Estate: . .................................. 454 Other Assets: ............................................ 622 Total A s s e ts :.......................................... 26,631 Total Trust Assets: . ...........................................0  D ep o sits:................................................. 23,972 Federal Funds and Borrowings:..................... 1 Other Liabilities: ......................................... 125 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 24,098 Total Equity Capital and Reserves: . . . 2,533 Total Liabilites and C apital:.................. 26,631 Number of Shares Outstanding: ............. 4,000  Directors: Robert R. Baker, Betty Feller, Lex Golden, W. J. Medlock Branches in Town: None  Other Branches: None  Pike County Bank M urfreesboro, AR Telephone: 2 85-2172 FAX: 2 85-2755 Population: 1,542  P. 0 . Box 279 319 East Main 7 1 9 58 -0 27 9  Charter Number: 175 Date: Dec. 19, 1904 County: Pike  Trust Department: No Bank Holding Company Bainum Bancorp II, Murfreesboro, AR  Chm: Irvin C. Bainum CEO/Pres: John A. Ross  SVP/COO: Brenda Smith Cash: Brenda Roberts  Cash and Due F ro m :.................................. 1,205 Federal Funds and R e p o s :........................1,200 Investm ents:.......................................... 23 ,489 Total Loans: ............................................ 41 ,348 Premises and Fixed A s s e ts :..................... 1,318 Other Real Estate: ..................................... 510 Other Assets: .............................................1,363 Total A s s e ts :.......................................... 70 ,433 Total Trust A ssets:............................................. 0  D e p o sits:......................................... 63,861 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 249 Subordinated D e b t : ......................................... 0 Total Liabilities:................................64 ,110 Total Equity Capital and Reserves: . . . 6,323 Total Liabilites and Capital:.......... 70,433 Number of Shares Outstanding: . . . . 17,200  Directors: Irvin C. Bainum, Mark Bainum, Tim Bainum, Thomas Bridgeman, Robert Evans, Buel Hawkins, Cooper Kizzia, John A. Ross, Brenda Smith, Bill Spigner, George Steel, Sr.  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Dierks, Mineral Springs, Nashville  Arkansas State Bank Department  98  First State Bank of Newport N ew p o rt, AR Telephone: 5 2 3 -7 5 0 0 FAX: 5 23 -4 12 4 Population: 7 ,4 5 9  P. 0 . Box 340 Second & Hazel 7 2 1 1 2 -0 3 4 0  Charter Number: 738 Date: July 6, 1978 County: Jackson  Trust Department: Yes Bank Holding Company North Arkansas Bancshares, Inc., Jonesboro, AR  CEO/Pres: Tommy Hargrove SVP/Cash: Mike D. Tinsley  SVP: Bill Elliott, Jr. TO: Laverne Crum  Cash and Due F ro m :.................................. 1,705 Federal Funds and R e p o s :................................0 Investm ents:.............................................19,486 Total Loans: ............................................ 30 ,5 1 8 Premises and Fixed A s s e ts :..................... 1,134 Other Real Estate: ............................................. 0 Other Assets: ............................................ 3,1 92 Total A s s e ts :.......................................... 5 6 ,035 Total Trust A ssets:.....................................2,518  D e p o s its :...........................................4 8 ,0 1 2 Federal Funds and Borrow ings:................ 992 Other Liabilities: .......................................... 189 Subordinated D e b t : .......................................... 0 Total Liabilities:................................ 4 9 ,1 9 3 Total Equity Capital and Reserves: . . . 6 ,8 4 2 Total Liabilites and C apital:.......... 5 6 ,0 3 5 Number of Shares Outstanding: . . . . 29 ,3 3 6  Directors: Morris Crandall, Stephen Graham, Shirley Haigwood, Tommy Hargrove, Phil D. Hout, David L. Johnston, G. L. Lieblong, Joe David Smith, Robert Vanhook, Forrest Wise Branches in Town: One  Other Branches: Tuckerman  Merchants & Planters Bank N ew po rt, AR Telephone: 523-3601 FAX: 5 23 -3 47 3 Population: 7 ,45 9  P. O. Box 5 50 Second and Hazel 7 2 1 1 2 -0 5 5 0  Charter Number: 694 Date: March 20, 1946 County: Jackson  Trust Department: Yes Bank Holding Company M & P Community Bancshares, Inc., Newport, AR  Chm/CEO/Pres/TO: Jim S. Gowen, Sr. SVP: Terry L. Dillon VP/Cash: Patricia H. Davis  VP: Carla P. Stiger VP: Ron Kingston  Cash and Due F ro m :.................................. 2,215 Federal Funds and R e p o s :........................ 685 Investm ents:.......................................... 33 ,457 Total Loans: .......................................... 34 ,483 Premises and Fixed A s s e ts :..................... 660 Other Real Estate: ...........................................92 Other Assets: .............................................1,103 Total A s s e ts :.......................................... 7 2 ,6 9 5 Total Trust A ssets:.................................... 4,6 25  D e p o sits:.................................................. 64 ,9 5 3 Federal Funds and Borrow ings:..................... 0 Other Liabilities: .......................................... 288 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 65,241 Total Equity Capital and Reserves: . . . 7 ,4 5 4 Total Liabilites and C apital:.................. 7 2 ,6 9 5 Number of Shares Outstanding: ............. 9 ,0 0 0  Directors: Morris Bowman, R. Owen Burton, Thomas R. Curtner, Jim S. Gowen, Sr., Roben Harvey, Dr. Troy A. Gray, Mary K. Hardin, Gerald A. Saracini, J. Edward Scoggins Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: McCrory  Eightieth Report  99  Bank of Little Rock North Little Rock, AR P. 0 . Box 5821 305 E. Broadway 72119-5821  Telephone: 3 76-3523 FAX: 3 76-1642 Population: 6 5 ,5 0 0  Charter Number: 748 Date: May 4, 1989 County: Pulaski  Trust Department: Yes Bank Holding Company None  Chm/CEO: Eugene L. Maris Pres: George G. Worthen  VP/Cash: Lee A. Swearingen  Cash and Due F ro m :..................................2,627 Federal Funds and R e p o s :................................0 Investm ents:...............................................8,3 85 Total Loans: .......................................... 2 6 ,784 Premises and Fixed A s s e ts :..................... 810 399 Other Real Estate: ............................... Other Assets: ............................................ 803 Total A s s e ts :.......................................... 39,808 Total Trust A ssets:............................................. 0  D e p o sits:.................................................... 35 ,0 1 4 Federal Funds and Borrowings:................ 740 Other Liabilities: ......................................... 345 Subordinated D e b t : ......................................... 0 Total Liabilities:....................................... 36,099 Total Equity Capital and Reserves: . . . 3,709 Total Liabilites and C apital:.................. 39,808 Number of Shares Outstanding: . . . 100,000  Directors: J. Harry Leggett, Eugene L. Maris, James M. May, Stephen Plunkett, Steve Russell, George G. Worthen Branches in Town: None  Other Branches: Little Rock (2)  The Twin City Bank North Little Rock, AR Telephone: 6 88 -1 00 0 FAX: 6 88-1095 Population: 6 5 ,5 0 0  P. 0 . Box 5581 1 Riverfront Place 72114-5581  Charter Number: 671 Date: March 21, 1935 County: Pulaski  Trust Department: Yes Bank Holding Company TCBankshares, Inc., North Little Rock, AR  Chm/CEO/Pres: T. E. Renaud Cash: Jay Morgan  TO: Ken Hammonds  Cash and Due F ro m :............................. 29,000 Federal Funds and R e p o s :................................0 Investm ents:....................................... 4 3 7 ,5 3 2 Total Loans: ....................................... 4 3 6,73 5 Premises and Fixed A s s e ts :...................19,372 Other Real Estate: ........................................ 95 Other Assets: .................... 16,880 Total A s s e ts :....................................... 9 3 9 ,6 1 4 Total Trust A ssets:................................166,544  D e p o sits:............................................... 803,89 7 Federal Funds and Borrowings:.......... 60,540 Other Liabilities: ..........................................5,152 Subordinated D e b t : ......................................... 0 Total Liabilities:.................................... 869,58 9 Total Equity Capital and Reserves: . . 70 ,025 Total Liabilites and C apital:................ 9 3 9 ,6 1 4 Number of Shares Outstanding: . . . 270,00 0  Directors: Dr. Joseph Bates, Martin Borchert, Bob Dixon, Frank Lyon, Jr., Henry Mariani, Mike Means, Eugene M. Pfeifer, III, T. E. Renaud, Msgr. George W. Tribou, Larry Wallace Branches in Town: Eight   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Conway, Jacksonville, Little Rock (7), Maumelle, Sherwood  100  Arkansas State Bank Department  American State Bank Osceola, AR Telephone: 563 -2 26 5 FAX: 655-8337 Population: 8 ,93 0  749 W. Keiser Street 7 2 3 7 0 -3 5 0 5  Charter Number: 2 6 2 , Date: Oct. 3, 1908 County: Mississippi*  Trust Department: No Bank Holding Company None  Chm: Steve A. Wilson CEO/Pres: Mary Emily Thompson  Cash: Alice Griffin  Cash and Due F ro m :.................................. 1,229 Federal Funds and R e p o s :........................... 850 Investm ents:..........................................12,076 Total Loans: ...............................................5,1 42 Premises and Fixed A s s e ts :..................... 282 Other Real Estate: ............................................. 0 Other Assets: ............................................. 274 Total A s se ts:.............................................19,853 Total Trust A ssets:............................................. 0  D e p o sits:.....................................................15,056 Federal Funds and Borrow ings:............... 1,500 , Other Liabilities: ............................................. 59 Subordinated D e b t : ............................................ 0 < Total Liabilities:...........................................16,615 Total Equity Capital and Reserves: . . . 3,2 3 8 1 Total Liabilites and C apital:......................1 9,853 Number of Shares Outstanding: ........... 4 ,0 0 0 '  Directors: Harold Clemons, Sumner R. Cullom, Phillip Forrester, Joe B. Hilliard, Mary Emily, Thompson, Larry Wamble, Michael E. Wilson, Mildred P. Wilson, R. E. L. Wilson, V, Steve A. Wilson Branches in Town: None  Other Branches: Keiser, Wilson  The Planters Bank Osceola, AR P. O. Box 407 1300 W. Keiser 7 23 70 -0 40 7  Telephone: 563 -2 66 6 FAX: 5 63-3436 Population: 8 ,93 0  Charter Number: 684 Date: April 1 3 ,1 9 4 4 County: Mississippi  Trust Department: No Bank Holding Company None  Chm: Sloan Rainwater, Jr. CEO/Pres: Sellers B. Norris, II VP/Cash: Nancy Hall  VP: Ben Davis VP: Jan Stiles  Cash and Due F ro m :.................................. 2,2 65 Federal Funds and R e p o s :........................ 500 Investm ents:.............................................17 ,364 Total Loans: ............................................ 21 ,707 Premises and Fixed A s s e ts :..................... 1,507 Other Real Estate: ............................................. 0 Other Assets: ............................................. 615 Total A s se ts:.......................................... 43 ,9 5 8 Total Trust A ssets:............................................. 0  D e p o sits:.....................................................3 8 ,1 6 5 Federal Funds and Borrow ings:................ 265 Other Liabilities: .......................................... 355 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 3 8 ,7 8 5 Total Equity Capital and Reserves: . . . 5,173 Total Liabilites and C ap ital:.................. 4 3 ,9 5 8 Number of Shares Outstanding: . . . . 2 0 ,0 0 0  Directors: Paul Billings, Steve Cox, Virginia Cox, J. A. Crosthwait, Jim Hinkle, Charles J. Lowrance, IV, Dewey Neely, John Newcomb, Sellers B. Norris, II, Sloan Rainwater, Jr., William I. Rainwater, William I. Rainwater, Jr., Henry Swift, Lowell Winston, Jr. Branches in Town: Two  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  101  Eightieth Report  Bank of Ozark Ozark,  AR  P. 0 . Box 196 Commercial at Sixth 7 2 9 49 -0 19 6  Telephone: 667-2181 FAX: 667 -5 16 6 Population: 3,600  Charter Number: 674 Date: June 9, 1937 County: Franklin  Trust Department: Yes Bank Holding Company Bankstock One, Inc., Ozark, AR  CEO: George G. Gleason, II Pres: Mark D. Ross DptyCEO: Linda D. Gleason SVP/Cash: Harold D. Beck  SVP: Larry M. Dicks SVP: R. Darrel Russell TO: Pam Minshew  Cash and Due F ro m :..................................2,7 34 Federal Funds and R e p o s :................................0 Investm ents:.......................................... 27 ,500 Total Loans: ................................. 74 ,3 8 2 Premises and Fixed A s s e ts :.....................2,376 Other Real Estate: ..................................... 578 Other Assets: ............................................ 1,901 Total A s s e ts :....................................... 109,471 Total Trust A ssets:.................................. 10,461  D e p o sits:......................................... 9 5 ,450 Federal Funds and Borrowings:................3,700 Other Liabilities: ......................................... 611 Subordinated D e b t : ......................................... 0 Total Liabilities:............................... 99,761 Total Equity Capital and Reserves: . . . 9,710 Total Liabilites and C apital:...... 109,471 Number of Shares Outstanding: . . . . 27,399  Directors: Larry M. Dicks, George G. Gleason, II, Linda D. Gleason, W. D. Gober, 0 . Porter Hillard, Frank M. Lawrence, Jr., Mark D. Ross, Kennith Smith  Branches in Town: One  Other Branches: Altus  Peoples Bank Paragould, AR P. O. Box 490 300 W. Emerson 72451  Telephone: 2 3 6 -7 62 3 FAX: 236 -7 49 2 Population: 18,500  Charter Number: 762 Date: Sep. 13, 1991 County: Greene  Trust Department: Yes Bank Holding Company Spring Rivers Bancshares, Inc., Imboden, AR  CEO/Pres: Charles F. Luter VP: Ross Whitney  Cash: Terry Sessums  Cash and Due F ro m :.................................. 1,152 Federal Funds and R e p o s :................................0 Investm ents:...............................................5,709 Total Loans: ............. 23 ,792 Premises and Fixed A s s e ts :..................... 785 Other Real Estate: ..................................... 766 Other Assets: ............... 389 Total A s s e ts :.......................................... 32,593 Total Trust A ssets:............................................. 0  D e p o sits:......................................... 27,691 Federal Funds and Borrowings:................ 100 Other Liabilities: ......................................... 235 Subordinated D e b t : ......................................... 0 Total Liabilities:............................... 28,026 Total Equity Capital and Reserves: . . . 4,567 Total Liabilites and C apital:.......... 32,593 Number of Shares Outstanding: . . . . 17,811  Directors: Rex Bouldin, Preston L. Clark, Billy Downing, Bob J. Downing, Charles F. Luter, Arthur Pillow  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Rector  102  Arkansas State Bank Department  Security Bank Paragould, AR P. 0 . Box 670 Court & Pruett 7 2 4 5 0 -0 6 7 0  Telephone: 239-9571 FAX: 2 39 -3 4 1 0 Population: 18,500  Charter Number: 6 40 Date: Feb. 5, 1931 County: Greene  Trust Department: Yes Bank Holding Company Mid South Bancshares, Inc., Paragould, AR  Chm: Donald I. Purcell CEO/Pres: Steve Gramling EVP: David W. Dudley  SVP/Cash: Sandra Wamock TO: Belinda Dacus  Cash and Due F ro m :..................................4 ,8 9 0 Federal Funds andR e p o s :..................................0 Investm ents:.......................................... 3 0 ,5 2 2 Total Loans: .......................................... 6 9 ,349 Premises and Fixed A s s e ts :.....................4,0 8 3 Other Real Estate: ..................................... 185 Other Assets: .............................................1,599 Total A s s e ts :.......................................... 110,628 Total Trust A ssets:.....................................6 ,1 55  D e p o sits:.................................................. 9 8 ,3 9 8 Federal Funds and Borrow ings:................ 2,191 Other Liabilities: .......................................... 626 Subordinated D e b t : ..................................... 40 0 Total Liabilities:..................................... 101,61 5 Total Equity Capital and Reserves: . . . 9,0 13 Total Liabilites and C apital:................110,628 Number of Shares Outstanding: . . . 1 2 0,00 0  Directors: Herb Bland, David W . Dudley, Bill Fisher, Steve Gramling, Frank Guinn, Marlin D. Jackson, Roy D. Jackson, Jerry McIntosh, Richard Nutt, Frank Oldham, Jr., Donald I. Purcell, Mack Shotts, Vern Ann Shotts, Terry Wilkins Branches in Town: Two  Other Branches: Marmaduke  Southeast Arkansas Bank Parkdale, AR Telephone: 4 73 -2 2 1 7 FAX: 4 7 3 -2 49 2 Population: 393  P. 0 . Box 37 1853 Hwy. 165 S. 7 16 61 -0 03 7  Charter Number: 141 Date: Feb. 1, 1910 County: Ashley  Trust Department: No Bank Holding Company None  Chm: Thomas R. Pugh CEO/Pres: George L. Pugh EVP: Bruce M. Timmons  VP/Cash: Nita C. Williamson VP: Maggie Reginelli AVP: Anita L. Bierbaum  Cash and Due F ro m :.................................. 1,716 Federal Funds and R e p o s :.......................... . 0 Investm ents:...............................................9,5 43 Total Loans: .............................................19,640 Premises and Fixed A s s e ts :........................ 842 Other Real Estate: ..................................... 160 Other Assets: ............................................. 553 Total A s s e ts :.......................................... 3 2 ,4 5 4 Total Trust A ssets:............................................. 0  D e p o sits:...........................................2 7 ,1 9 5 Federal Funds and Borrow ings:................ 2,3 50 Other Liabilities: .......................................... 113 Subordinated D e b t : .......................................... 0 Total Liabilities:............................... 29,658 Total Equity Capital and Reserves: . . . 2,7 96 Total Liabilites and C apital:.......... 3 2 ,4 5 4 Number of Shares Outstanding: . . . . 16,000  Directors: Carl John Bierbaum, Dewayne Haynes, James N. Murphy, Ernest O'Neal, Augustus H. Pugh, Frank A. Pugh, George L. Pugh, Leyden Pugh, Thomas R. Pugh, Harrison Ralph, Neill Sloan  Branches in Town: None  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Eudora, Hamburg  Eightieth Report  103  First State Bank Parkin, AR P. 0 . Box 526 25 W. Parkin Avenue 7 23 73 -0 52 6  Telephone: 755-5401 FAX: 755-2567 Population: 1,845  Charter Number: 568 Date: June 5, 1925 County: Cross  Trust Department: No Bank Holding Company Parkin Bancorp, Inc., Parkin, AR  Chm: William N. Griffin CEO/Pres: Frank G. Wallace  VP/Cash: Brenda F. Williams  Cash and Due F ro m :.................................. 726 Federal Funds and R e p o s :........................ 100 Investm ents:...............................................4,5 6 4 Total Loans: .............................................11,676 Premises and Fixed A s s e ts :..................... 135 Other Real Estate: ....................................... 18 Other Assets: ............................................ 203 Total A s s e ts :.............................................17,422 Total Trust A ssets:............................................. 0  D e p o sits:................................................. 15,744 Federal Funds and Borrowings:.................. 57 Other Liabilities: ......................................... 146 Subordinated D e b t : ......................................... 0 Total Liabilities:.......................................... 15,947 Total Equity Capital and Reserves: . . . 1,475 Total Liabilites and Capital:..................... 17,422 Number of Shares Outstanding: ............. 4,000  Directors: Mark Baioni, Fred E. Brenner, Jr., John A. Brenner, John A. Brenner, Jr., Raymond S. Clift, Frankie C. Givins, Neil Griffin, William N. Griffin, Donald T. McKnight, J. E. McNeil, Jr., William B. McSwain, Charles Ruston, Jr., Frank G. Wallace Branches in Town: None  Other Branches: None  The Perry County Bank Perryville, AR Telephone: 8 89 -2 31 8 FAX: 889 -2 96 6 Population: 1,140  P. 0 . Box 189 Highway 9 & 10 and 60 East 7 21 26 -0 18 9  Charter Number: 690 Date: Dec. 8, 1945 County: Perry  Trust Department: No Bank Holding Company Perry County Bancshares, Inc., Perryville, AR  Chm: Robert M. Hill CEO/Pres: Steve Lawrence SVP: Joe Carter VP/Cash: Buford M. Satterfield  VP: Helen Brandon VP: Donald Crain VP: Naomi Chambliss AVP: Pauline Charton  Cash and Due F ro m :.................................. 1,449 Federal Funds and R e p o s :....................... 495 Investm ents:.............................................12,331 Total Loans: .......................................... 39 ,055 Premises and Fixed A s s e ts :..................... 1,390 Other Real Estate: ............................................. 0 Other Assets: ............................................ 588 Total A s s e ts :.......................................... 55,308 Total Trust A ssets:............................................. 0  D e p o sits:......................................... 50,591 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 302 Subordinated D e b t : ......................................... 0 Total Liabilities:............................... 50,893 Total Equity Capital and Reserves: . . . 4,4 15 Total Liabilites and C apital:.......... 55,308 Number of Shares Outstanding: . . . . 16,000  Directors: Herbie Branscum, Jr., Robert M. Hill, Charles V. Roland, Sr. Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  104  Arkansas State Bank Department  Piggott State Bank Piggott, AR Telephone: 5 98 -3 8 0 2 FAX: 5 98 -2 02 6 Population: 3,777  P. O. Box 307 212 W. Cherry 7 2 4 5 4 -0 3 0 7  Charter Number: 613 Date: March 10, 1930 County: Clay  Trust Department: No Bank Holding Company Piggott Bankstock, Inc., Piggott, AR  Chm/CEO/Pres: Paula 0 . Blackwell  VP/Cash: James C. Poole  Cash and Due F ro m :.................................. 2,156 Federal Funds and R e p o s :................................0 Investm ents:.............................................16,673 Total Loans: .............................................17,998 Premises and Fixed A s s e ts :..................... 528 Other Real Estate: ............................................. 0 Other Assets: ............................................ 443 Total A s se ts:.......................................... 3 7 ,798 Total Trust A ssets:............................................. 0  D e p o s its :.................................................. 34,231 Federal Funds and Borrow ings:..................... 0 Other Liabilities: .......................................... 129 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 3 4 ,3 6 0 Total Equity Capital and Reserves: . . . 3,438 Total Liabilites and C apital:.................. 3 7 ,7 9 8 Number of Shares Outstanding: ............. 4 ,0 0 0  Directors: Steve Bell, Paula O. Blackwell, James C. Poole Branches in Town: One  Other Branches: None  First State Bank Plainview, AR Telephone: 272-4221 FAX: 2 72 -4 1 5 4 Population: 752  P. 0 . Box 277 Main & Broadway 7 2 8 5 7 -0 2 7 7  Charter Number: 663 Date: Jan. 12, 1934 County: Yell  Trust Department: No Bank Holding Company Clement Bancshares, Inc., Plainview, AR  Chm/CEO/Pres: John Clement EVP: Ralph Wilson  VP: James Bata Cash: Theogene Wideman  Cash and Due F ro m :.................................. 1,210 Federal Funds and R e p o s :................................0 Investm ents:............................................... 5,1 85 Total Loans: ............................................ 2 1 ,870 Premises and Fixed A s s e ts :..................... 124 Other Real Estate: ...........................................86 Other Assets: .............................................1,819 Total A s se ts:.......................................... 3 0 ,2 9 4 Total Trust A ssets:............................................. 0  D e p o sits:.................................................. 26 ,5 8 6 Federal Funds and Borrow ings:................ 44 0 Other Liabilities: .......................................... 161 Subordinated D e b t : .......................................... 0 Total Liabilities:.......................................... 27 ,187 Total Equity Capital and Reserves: . . . 3,1 07 Total Liabilites and C apital:.................. 3 0 ,2 9 4 Number of Shares Outstanding: . . . . 21 ,113  Directors: John Clement, George Tippin, Jimmy W. Weaver, Ralph Wilson Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Ola  Eightieth Report  105  Bank of Pocahontas Pocahontas, AR P. 0 . Box 467 101 Broadway 724 55 -0 46 7  Telephone: 8 92-5286 FAX: 892-8381 Population: 6,151  Charter Number: 145 Date: Oct. 3 1 ,1 9 0 3 County: Randolph  Trust Department: No Bank Holding Company Pocahontas Bankstock, Inc., Pocahontas, AR  Chm/CEO/Pres: John R. Jackson, Jr. EVP: Ronald E. Wurtz VP/Cash: W. H. Holobaugh VP: Max R. Long  AVP: Mary Lou Cullison AVP: Mary D. Jackson AVP: Hattie Robinson  Cash and Due F ro m :..................................2,864 Federal Funds and R e p o s :....................... 2,100 Investments: 30,377 Total Loans: .......................................... 30,971 Premises and Fixed A s s e ts :..................... 470 Other Real Estate: ............. 88 Other Assets: ............. 826 Total A s s e ts :.......................................... 67 ,696 Total Trust Assets: ............................................. 0  D e p o sits:................................................. 60 ,380 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 308 Subordinated D e b t : ......................................... 0 Total Liabilities:....................................... 60,688 Total Equity Capital and Reserves: . . . 7,008 Total Liabilites and C apital:.................. 67,696 Number of Shares Outstanding: ............. 5,000  Directors: Carol Belford-Lewallen, Frank Bigger, Don R. Cox, Phillip Futrell, John R. Jackson, Jr., Michael L. McNabb, Ronald E. Wurtz  Branches in Town: Two  Other Branches: None  Planters & Stockmen Bank Pocahontas, AR P. 0 . Box 587 205 Rice Street 724 55 -0 58 7  Telephone: 892 -5 25 2 FAX: 892-8251 Population: 6,151  Charter Number: 715 Date: June 12, 1962 County: Randolph  Trust Department: No Bank Holding Company Walden Holding Company, Pocahontas, AR  Chm: Frank E. Walden CEO/Pres: Jeriel A. Summitt VP: Rhonda Stone  VP: John Phillips, III Cash: Bea Mathews  Cash and Due F ro m :.................................. 1,507 Federal Funds and R e p o s :....................... 2,850 Investm ents:...............................................8,411 Total Loans: .............................................19,813 Premises and Fixed A s s e ts :.......... . . 1,074 Other Real Estate: ..............................................0 Other Assets: .......................... 346 Total A s s e ts :.......................................... 34,001 Total Trust Assets: . . 0  D e p o sits:......................................... 30,841 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 152 Subordinated D e b t : ......................................... 0 Total Liabilities:............................... 30,993 Total Equity Capital and Reserves: . . . 3,008 Total Liabilites and C apital:.......... 34,001 Number of Shares Outstanding: . . . . 10,000  Directors: A. J. Baltz, Jr., William Hurt, III, V. James King, Jr., James R. McCurter, John Phillips, III, Jeriel A. Summitt, Frank E. Walden Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  106  Arkansas State Bank Department  The Peoples Bank Portland, AR Telephone: 7 37 -2 2 3 6 FAX: 737 -2 81 6 Population: 560  P. 0 . Box 178 Main Street 7 1 6 6 3 -0 1 7 8  Charter Number: 251 Date: Jan. 22, 1908 County: Ashley  Trust Department: No Bank Holding Company Mainline Bankshares of Portland, Inc., Portland, AR  Chm: Hampton Pugh CEO/Pres/Cash: Tipton Pugh  VP: Mary Dean Pugh  Cash and Due F ro m :.................................. 288 Federal Funds and R e p o s :................................ 0 Investm ents:............................................... 6,265 Total Loans: ............................................... 1,807 Premises and Fixed A s s e ts :........................... 21 Other Real Estate: ............................................. 0 Other Assets: ............................................. 205 Total A s s e ts :............................................... 8,5 86 Total Trust A ssets:............................................. 0  D e p o s its :....................................................... 7,3 1 8 Federal Funds and Borrow ings:................ 250 Other Liabilities: ............................................. 19 Subordinated D e b t : .......................................... 0 Total Liabilities:.............................................7,5 8 7 Total Equity Capital and Reserves: . . . . 999 Total Liabilites and C apital:........................8,5 8 6 Number of Shares Outstanding: ............. 4 ,0 0 0  Directors: Jack D. Edwards, Hampton Pugh, Mary Dean Pugh, Tipton Pugh Branches in Town: None  Other Branches: None  Portland Bank Portland, AR Telephone: 7 37 -2 22 6 FAX: 7 37 -4 26 3 Population: 560  P. O. Box 68 Main Street 7 1 6 6 3 -0 0 6 8  Charter Number: 57 Date: April 23, 1900 County: Ashley  Trust Department: No Bank Holding Company Portland Bankshares, Inc., Portland, AR  Chm: Robert D. Pugh CEO/Pres: Jerry D. Sadler EVP: Walter Rutledge  VP/Cash: Leslie Borgognoni VP: Millie Austin  Cash and Due F ro m :.................................. 554 Federal Funds and R e p o s :................................0 Investm ents:...............................................4 ,1 9 4 Total Loans: .............................................14,567 Premises and Fixed A s s e ts :..................... 397 Other Real Estate: ...........................................39 Other Assets: ............................................. 185 Total A s s e ts :.............................................19,936 Total Trust A ssets:............................................. 0  D e p o sits:........................................... 15 ,515 Federal Funds and Borrow ings:................ 2,5 26 Other Liabilities: .......................................... 135 Subordinated D e b t : .......................................... 0 Total Liabilities:.................................18,176 Total Equity Capital and Reserves: . . . 1,760 Total Liabilites and C apital:............19 ,936 Number of Shares Outstanding: . . . . 20 ,0 0 0  Directors: Mack Borgognoni, C. E. Bridewell, Fred Lagrone, Benton Newcome, Joel Newcome, Robert D. Pugh, Walter Rutledge, Jerry D. Sadler, Eddie Scherm Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Monticello  Eightieth Report  107  The Farmers & Merchants Bank Prairie Grove, AR Telephone: 846 -2 11 5 FAX: 8 46-3942 Population: 1,950  P. 0 . Box 207 102 E. Buchanan 727 53 -0 20 7  Charter Number: 166 Date: Aug. 29, 1904 County: Washington  Trust Department: No Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR  Chm: James C. Walton CEO/Pres: Gregory D. Reed SVP: Jason F. Tennant  VP: Ernest L. Penn, Jr. Cash: Patricia J. Morelock  Cash and Due F ro m :..................................2,028 Federal Funds and R e p o s :................................0 Investm ents:.......................................... 33 ,023 Total Loans: .......................................... 4 7 ,0 3 0 Premises and Fixed A s s e ts :..................... 899 Other Real Estate: ....................................... 18 Other Assets: ............................................ 1,031 Total A s s e ts :.......................................... 84 ,0 2 9 Total Trust Assets: ............................................. 0  D e p o sits:.......................................... 71 ,8 6 4 Federal Funds and Borrowings:................3,2 64 Other Liabilities: .......................................... 609 Subordinated D e b t : ......................................... 0 Total Liabilities:.............................. 75,737 Total Equity Capital and Reserves: . . . 8,292 Total Liabilites and C apital:.......... 84,029 Number of Shares Outstanding: . . . . 12,000  Directors: Billy J. Bartholomew, Michael H. Fidler, David M. Parks, Gregory D. Reed, James C. Rieff, James C. Walton  Branches in Town: One  Other Branches: Farmington  Bank of Prescott Prescott, AR Telephone: 887 -2 68 8 FAX: 8 87-6822 Population: 3,80 0  Drawer 490 E. Second at Main 7 1 8 5 7 -0 4 9 0  Charter Number: 162 Date: Aug. 10, 1904 County: Nevada  Trust Department: Yes Bank Holding Company First State Holding Company of Prescott, Prescott, AR  CEO: John Warren Brannan, Sr. Pres: John Warren Brannan, Jr. EVP: James E. Franks  SVP/Cash: James A. Pullen VP: Jean K. Jones  Cash and Due F ro m :..................................2,122 Federal Funds and R e p o s :................................0 Investm ents:.......................................... 28 ,782 Total Loans: .......................................... 25 ,7 3 4 Premises and Fixed A s s e ts :..................... 453 Other Real Estate: ....................................... 15 Other Assets: .............................................1,331 Total A s s e ts :.......................................... 58 ,437 Total Trust Assets: ............................................. 0  D e p o sits:......................................... 52,596 Federal Funds and Borrowings:................ 1,535 Other Liabilities: ............................................ 98 Subordinated D e b t : ......................................... 0 Total Liabilities:............................... 54,229 Total Equity Capital and Reserves: . . . 4,208 Total Liabilites and C apital:.......... 58,437 Number of Shares Outstanding: . . . . 24 ,000  Directors: John Warren Brannan, Jr., John Warren Brannan, Sr., Carl Dalrymple, Jr., B. A. Delamar, James E. Franks, Robert L. Godwin, Jean K. Jones, R. K. McCasland, Abb Morman, R. W. Murry, James A. Pullen, John Vansickle  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  108  Arkansas State Bank Department  The Bank of Rector Rector, AR Telephone: 595-3591 FAX: 5 9 5 -2 55 0 Population: 2,268  P. 0 . Box 7 400 Main Street 7 24 61 -0 00 7  Charter Number: 616 Date: Nov. 15, 1930 County: Clay  Trust Department: No Bank Holding Company North Arkansas Bancshares, Inc., Jonesboro, AR  CEO/Pres: Ronald L. Benson SVP: Sherry D. Dills  Cash: M. Murel W. Adams  Cash and Due F ro m :.................................. 1,003 Federal Funds and R e p o s :................................0 Investm ents:.............................................10,296 Total Loans: .............................................15,910 Premises and Fixed A s s e ts :..................... 198 Other Real Estate: ............................................. 0 Other Assets: ..........................................1,049 Total A s se ts:.......................................... 28 ,456 Total Trust A ssets:............................................. 0  D e p o s its :.................................................. 24 ,299 Federal Funds and Borrow ings:................ 1,250 Other Liabilities: .......................................... 133 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 2 5 ,6 8 2 Total Equity Capital and Reserves: . . . 2 ,7 7 4 Total Liabilites and C apital:.................. 2 8 ,4 5 6 Number of Shares Outstanding: ............. 4 ,0 0 0  Directors: Ronald L. Benson, C. Joseph Calvin, Danny L. Ford, Danny Holifield, G. L. Lieblong Branches in Town: None  Other Branches: None  Farmers and Merchants Bank Reyno, AR Telephone: 8 92 -4 22 5 FAX: 8 92 -9 01 6 Population: 491  P. 0 . Box 108 108 W. Main 7 2 4 6 2 -0 1 0 8  Charter Number: 360 Date: Dec. 8, 1911 County: Randolph  Trust Department: Yes Bank Holding Company Mid South Bancshares, Inc., Paragould, AR  Chm: Alfred Kerley CEO/Pres/TO: Roy D. Jackson EVP/Cash: Dora Graham  VP: Bev Ducker VP: Alice Hogard  Cash and Due F ro m :.................................. 712 Federal Funds and R e p o s :........................... 755 Investm ents:...............................................4 ,5 2 4 Total Loans: .............................................10,908 Premises and Fixed A s s e ts :..................... 666 Other Real Estate: ..................................... 112 Other Assets: ............................................. 203 Total A s s e ts :.............................................17,880 Total Trust A ssets:.....................................1,273  D e p o sits:........................................... 16,231 Federal Funds and Borrow ings:..................... 0 Other Liabilities: .......................................... 156 Subordinated D e b t : .......................................... 0 Total Liabilities:.................................16,387 Total Equity Capital and Reserves: . . . 1,493 Total Liabilites and C apital:............17,880 Number of Shares Outstanding: . . . . 4 9 ,5 8 4  Directors: David W. Dudley, Frank Ellis, Steve Gramling, G. B. Hambrick, Marlin D. Jackson, Roy D.  Jackson, Alfred Kerley, Frank Oldham, Jr., J. A. Rapert, Timothy Scott  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Maynard, Pocahontas  Eightieth Report  109  The Bank of Rison Rison, AR Charter Number; 650 Date; March 7, 1932 County: Cleveland  P. O. Box 345 200 Main Street 7 16 65 -0 34 5  Telephone; 325-6251 FAX: 325-7661 Population; 1,292  Trust Department: No Bank Holding Company None  Chm: James L. Moore, Jr. CEO/Pres: James R. Hopson  AVP/Cash: Shirley Stewart  Cash and Due F ro m :.................................. 1,488 Federal Funds and R e p o s :........................ 700 Investm ents:.................... 10,783 Total Loans: ...............................................5,095 Premises and Fixed A s s e ts :...........................81 Other Real Estate: ............................................. 2 Other Assets: ............................................. 735 Total A s se ts:.............................................18,884 Total Trust Assets: ............................................. 0  D e p o sits:................................................. 15,900 Federal Funds and Borrowings:..................... 0 Other Liabilities: ............................................ 40 Subordinated D e b t : ......................................... 0 Total Liabilities:....................................... 15,940 Total Equity Capital and Reserves: . . . 2,9 44 Total Liabilites and C apital:..................... 18,884 Number of Shares Outstanding: ............. 4,000  Directors: John W. Elrod, James R. Hopson, Ray B. Martin, James L. Moore, Jr., James L. Moore, Branches in Town: None  Other Branches: None  Farmers and Merchants Bank Rogers, AR P. O. Box 250 4th & Chestnut 7 27 57 -0 25 0  Telephone: 6 3 6 -4 23 3 FAX: 631-6567 Population: 24,692  Charter Number: 712 Date: March 13, 1956 County: Benton  Trust Department: Yes Bank Holding Company First Commercial Corporation, Little Rock, AR  Chm: John R. Bland, D.D.S. CEO/Pres: Joe T. Seibold  Cash: Marla J. England  Cash and Due F ro m :.................... 2,691 Federal Funds and R e p o s :........................ 920 Investm ents:.......................................... 23 ,906 Total Loans: .......................................... 63 ,733 Premises and Fixed A s s e ts :..................... 1,305 Other Real Estate: ..................................... 254 Other Assets: ............................................ 2,307 Total A s s e ts :............................................ 95 ,1 1 6 Total Trust A ssets:............................................. 0  D e p o sits:.................................................... 8 5 ,010 Federal Funds and Borrowings:................ 219 Other Liabilities: ......................................... 258 Subordinated D e b t : ......................................... 0 Total Liabilities:....................................... 85,487 Total Equity Capital and Reserves: . . . 9,629 Total Liabilites and Capital:..................... 95 ,116 Number of Shares Outstanding: . . . 135,623  Directors: John R. Bland, D.D.S., Charles H. Brannan, John D. Clower, M.D., Randall E. Cole, M.D., Lynn Dorrough, Clayton J. Eversole, Robert S. Maloney, III, James L. Pickens, M.D., Evelyn S. Rife, Joe T. Seibold, Don Shores, Lemuel H. Tull  Branches in Town: Two   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  110  Arkansas State Bank Department  First Western Bank and Trust Company Rogers, AR P. 0 . Box 547 West Walnut & Rife Drive 7 27 56 -0 54 7  Telephone: 631 -0 10 7 FAX: 631-8747 Population: 2 4,6 92  Charter Number: 757 Date: July 26, 1991 County: Benton  Trust Department: No Bank Holding Company First Western Bancshares, Inc., Booneville, AR  Chm/CEO/Pres: John T. Hampton SVP/Cash: Nathan Gairhan  AVP: Lynne Coan AVP: LeAnn Nicholas  Cash and Due F ro m :.................................. 391 Federal Funds and R e p o s :................................0 Investm ents:............................................... 6,115 Total Loans: .............................................11,617 Premises and Fixed A s s e ts :........................ 43 4 Other Real Estate: ............................................. 0 Other Assets: ............................................. 352 Total A s se ts:.............................................18,909 Total Trust A ssets:............................................. 0  D e p o sits:..................................................... 17,046 Federal Funds and Borrow ings:................ 115 Other Liabilities: ............................................. 94 Subordinated D e b t : .......................................... 0 Total Liabilities:...........................................17,255 Total Equity Capital and Reserves: . . . 1,654 Total Liabilites and C apital:......................18,909 Number of Shares Outstanding: . . . 17 0,00 0  Directors: Dr. Paul Becton, Bob Crafton, Jeral L. Hampton, John T. Hamtpon, A. B. Littlefield, Jim Shearin, Howard Slinkard, Alan Sparks, Dale Webster Branches in Town: None  Other Branches: None  First Bank of Arkansas Russellville, AR P. 0 . Box 301 0 800 North Arkansas Avenue 72811-9941  Telephone: 9 6 7 -8 0 0 0 FAX: 967 -4 67 9 Population: 2 1 ,2 6 0  Charter Number: 192 Date: Sep. 29, 1905 County: Pope  Member of Federal Reserve System Trust Department: No Bank Holding Company Southwest Bancshares, Inc., Jonesboro, AR  Chm: Wallace W. Fowler CEO/Pres: Roy Reaves  EVP: Benny Harris Cash: Eunice LaMar  Cash and Due F ro m :..................................5,401 Federal Funds and R e p o s :........................ 150 Investm ents:............................................ 48,151 Total Loans: .......................................... 114,127 Premises and Fixed A s s e ts :.....................3,2 65 Other Real Estate: ............................................. 0 Other Assets: ............................................ 3,181 Total A s s e ts :....................................... 174,27 5 Total Trust A ssets:............................................. 0  D e p o s its :............................................... 1 5 3,78 2 Federal Funds and Borrow ings:................4 ,6 3 2 Other Liabilities: .......................................... 1,276 Subordinated D e b t : .......................................... 0 Total Liabilities:..................................... 15 9,69 0 Total Equity Capital and Reserves: . . 14,585 Total Liabilites and C apital:................ 174,275 Number of Shares Outstanding: . . . . 10,000  Directors: Jama Fowler, Wallace W. Fowler, Don Helms, Phil Jones, Jim Knight, Lloyd McCracken, Jr., Roy Reaves, Don Riley, Sharon Trusty Branches in Town: Three   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Dover, Hector, London  111  Eightieth Report  Bank of Salem Salem, AR Telephone: 895-2591 FAX: 895-3825 Population: 1,480  P. 0 . Box 338 202 Church Street 725 76 -0 33 8  Charter Number: 266 Date: Dec. 9, 1908 County: Fulton  Trust Department: No Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR  Chm: Richard T. Smith  CEO/Pres: Mark Montgomery  Cash and Due F ro m :.................................. 864 Federal Funds and R e p o s :........................1,200 Investm ents:.............................................11,511 Total Loans: .......................................... 3 9 ,6 9 0 Premises and Fixed A s s e ts :..................... 1,495 Other Real Estate: ..................................... 491 Other Assets: ............................................ 1,216 Total A s se ts:.......................................... 56,467 Total Trust A ssets:............................................. 0  D e p o sits:......................................... 48 ,625 Federal Funds and Borrowings:................2,6 40 Other Liabilities: ......................................... 157 Subordinated D e b t : ......................................... 0 Total Liabilities:................................ 51,422 Total Equity Capital and Reserves: . . 5,045 Total Liabilites and C apital:.......... 56,467 Number of Shares Outstanding: . . . . 20,000  Directors: L. R. "Jack" Cochran, Mark Montgomery, Marvin Newton, C. Dwayne Plumlee, Richard T. Smith  Branches in Town: One  Other Branches: Viola  Logan County Bank Scranton, AR Telephone: 938-2511 FAX: 938 -7 08 4 Population: 218  P. 0 . Box 85 600 Main Street 7 28 63 -0 08 5  Charter Number: 578 Date: April 7, 1926 County: Logan  Trust Department: No Bank Holding Company None  Chm/CEO/Pres: Joe Fritsche VP: Jerry L. Davis  VP: Gary Fritsche Cash: Donald Fritsche  Cash and Due F ro m :.................................. 1,268 Federal Funds and R e p o s :................................0 Investm ents:.......................................... 20 ,205 Total Loans: .............................................13,876 Premises and Fixed A s s e ts :..................... 333 Other Real Estate: ....................................... 14 Other Assets: ............................................ 535 Total A s s e ts :.......................................... 36,231 Total Trust A ssets:............................................. 0  D e p o sits:................................................. 3 0 ,084 Federal Funds and Borrowings:................ 1,020 Other Liabilities: ......................................... 159 Subordinated D e b t : ......................................... 0 Total Liabilities:..........................................31,263 Total Equity Capital and Reserves: . . . 4,968 Total Liabilites and C apital:.................. 36,231 Number of Shares Outstanding: ............. 4,0 00  Directors: Margaret Ahne, Gary Fritsche, Joe Fritsche, Mildred Fritsche, Regina M. Layes Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Subiaco  112  Arkansas State Bank Department  First Security Bank Searcy, AR Telephone: 2 7 9 -3 4 0 0 FAX: 279 -3 45 5 Population: 1 5,180  P. 0 . Box 1009 314 N. Spring 7 2 1 4 3 -1 0 0 9  Charter Number: 649 Date: Feb. 6, 1932 County: White  Trust Department: Yes Bank Holding Company First Security Bancorp, Searcy, AR  Chm/CEO/Pres: Reynie Rutledge EVP: James G. Wilson EVP: B. Art Rand  Cash: Ellen Wilson TO: Michael Hutsell  Cash and Due F ro m :..................................6,9 15 Federal Funds and R e p o s :................................ 0 Investm ents:............................................ 9 1 ,0 9 7 Total Loans: ....................................... 133,443 Premises and Fixed A s s e ts :.....................3,7 32 Other Real Estate: ....................................... 51 Other Assets: ............................................ 3,1 77 Total A s se ts:....................................... 23 8 ,4 1 5 Total Trust A ssets:................................ 29,238  D e p o sits:............................................... 20 9 ,7 6 7 Federal Funds and Borrow ings:................ 198 Other Liabilities: .......................................... 972 Subordinated D e b t : .......................................... 0 Total Liabilities:........................................ 21 0,93 7 Total Equity Capital and Reserves: . . 27 ,478 Total Liabilites and C apital:................ 2 3 8 ,4 1 5 Number of Shares Outstanding: . . . . 24 ,0 0 0  Directors: David Burks, Larry Crain, Robert Elliott, John McKnight, Wayne Ridout, Porter Rodgers, Bill Roussel, N. T. Rutledge, Reynie Rutledge, Jim Tarkington, Alvin Van Hook, E. D. Yancy, Albert Yarnell  Branches in Town: Three  Other Branches: Griffithville, Judsonia, McRae, Pangburn  Grant County Bank Sheridan, AR P. 0 . Box 67 101 N. Oak 7 21 50 -0 06 7  Telephone: 9 4 2 -3 14 5 FAX: 9 42 -5 9 0 0 Population: 3,04 2  Charter Number: 136 Date: July 29, 1903 County: Grant  Trust Department: Yes Bank Holding Company GCB Bancshares, Inc., Sheridan, AR  Chm: Ross M. Whipple CEO/Pres: Donald J. Tackett EVP/TO: John D. Manatt  VP: Jerry H. Humphries VP: Jeff Garner Cash: Jannette Jones  Cash and Due F ro m :.................................. 1,083 Federal Funds and R e p o s :..............................60 Investm ents:.......................................... 29,267 Total Loans: .............................................2 1 ,450 Premises and Fixed A s s e ts :..................... 1,104 Other Real Estate: ............................................. 0 Other Assets: .............................................1,713 Total A s s e ts :.......................................... 54 ,677 Total Trust A ssets:.....................................1,105  D e p o sits:.................................................. 47 ,6 3 7 Federal Funds and Borrow ings:................ 95 0 Other Liabilities: .......................................... 739 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 4 9 ,3 2 6 Total Equity Capital and Reserves: . . . 5,351 Total Liabilites and C apital:.................. 54 ,677 Number of Shares Outstanding: . . . . 4 5 ,0 0 0  Directors: W. W . Allen, Byron D. Brown, Dannie L. Brown, James W. Lancaster, D. E. McCoy, Jr., John D. Manatt, Donald J. Tackett, W. Lee Tucker, Ross M. Whipple Branches in Tow n: Two  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  113  Eightieth Report  Arkansas State Bank Siloam Springs, AR P. 0 . Box 400 318 E. Main Street 7 27 61 -0 40 0  Telephone: 524-8101 FAX: 524 3307 Population 8,10 0  Charter Number: 713 Date: Jan. 12, 1960 County: Benton  Trust Department: Yes Bank Holding Company None  Cash: Beverly Lescard TO: Don De Freece  Chm/CEO: Ross Stout Pres: Arthur Morris , , 3,5 15 ................ 0 . . 8 9 ,4 8 0 . . 25 ,5 9 6 . . . 1,217  Cash and Due From: . . . . . Federal Funds and Repos: . Investm ents:....................... Total Loans: . ..................... Premises and Fixed Assets: Other Real Estate: . , Other Assets: ............. Total A s s e ts :.......... .. . Total Trust Assets: . .  .....  D e p o sits:............................................... 107,390 Federal Funds andBorrowings:.................. 233 Other Liabilities: .......................................... 437 Subordinated Debt: 0 Total Liabilities:..................................... 108,060  0  . . 2,777 . 122,585 5,729  Total Equity Capital and Reserves: . . 14,525 Total Liabilites and C apital:............... 122,585 Number of Shares Outstanding: . . . . 72 ,0 0 0  Directors: Delbert Allen, Jr. Roderick Allen, H. E. Harrison, Jr., Charles C. Jones, Arthur Morris, Mark Simmons, Ross Stout Branches in Town: One  Other Branches: None  Smackover State Bank Sm ackover, AR P. 0 . Drawer 107 708 N. Broadway 7 17 62-0107  Telephone: 725-3051 FAX: 7 25-3049 Population: 2,232  Charter Number: 600 Date: April 1 8 ,1 9 2 8 County: Union  Trust Department: Yes Bank Holding Company Smackover Bancshares, Inc., Smackover, AR  Chm/CEO: Max O. Taylor Pres: Bob Willett SVP/Cash: Paulette Bussell  VP/TO: Jim Yeager VP: J, Drew Tennyson  Cash and Due From: , . , 1,715 Federal Funds and R e p o s :.......................... 60 Investm ents:............................... 4 1 ,8 2 4 Total Loans: .................................... .. . 34 ,789 Premises and Fixed Assets: . ................... 575 Other Real Estate: 88 Other Assets: ............... 1,329 Total A s s e ts :.......................................... 8 0 ,380 Total Trust Assets: . . . . . . . . . 235  D e p o sits:.......................................... 70 ,625 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 474 Subordinated D e b t : ......................................... 0 Total Liabilities:.................................71,099 Total Equity Capital and Reserves: . . . 9,281 Total Liabilites and C apital:.......... 80 ,380 Number of Shares Outstanding: . . .100,000  Directors: Max 0 . Taylor, J. Drew Tennyson, James M. Tennyson, John D. Trimble, V, Bob Willett, Jim Yeager Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: El Dorado, Norphlet  114  Arkansas State Bank Department  Merchants & Planters Bank Sparkm an, AR Telephone: 678-2251 FAX: 678-2401 Population: 553  P. 0 . Box 127 Commerce & Main Streets 7 1 7 6 3 -0 1 2 7  Charter Number: 457 Date: Sep. 19, 1916 County: Dallas  Trust Department: No Bank Holding Company Sparkman Bancshares, Inc., Sparkman, AR  Chm/CEO/Pres: Tyrol Q. Carson VChm: Terry Q. Carson  AVP: Larry Gaston Cash: Doris Mann  Cash and Due F ro m :.................................. 347 Federal Funds and R e p o s :................................0 Investm ents:............................................... 3,5 25 Total Loans: ............................................... 5,4 05 Premises and Fixed A s s e ts :..................... 102 Other Real Estate: ....................................... 30 Other Assets: ............................................. 115 Total A s se ts:............................................... 9,5 2 4 Total Trust A ssets:............................................. 0  D e p o sits:....................................................... 8 ,3 6 4 Federal Funds and Borrow ings:................ 275 Other Liabilities: ............................................. 48 Subordinated D e b t : .......................................... 0 Total Liabilities:.............................................8,687 Total Equity Capital and Reserves: . . . . 837 Total Liabilites and C apital:........................9 ,5 2 4 Number of Shares Outstanding: ............. 3,0 00  Directors: Terry Q. Carson, Tyrol Q. Carson, G. W. De Laughter, Charles T. Gaston, Louis M. Jacks, Ray White Branches in Town: None  Other Branches: None  Springdale Bank and Trust Springdale, AR P. 0 . Box 5000 415 W. Emma 7 2 7 6 5 -5 0 0 0  Telephone: 7 5 6 -7 0 0 0 FAX: 7 56-7077 Population: 3 3 ,0 0 0  Charter Number: 339 Date: May 6, 1911 County: Washington  Trust Department: Yes Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR  Chm: Richard P. Calhoun CEO/Pres: Buddy D. Philpot SVP: H. Dennis Smiley  SVP: B. Gail Edmonson Cash: Diana O'Brien  Cash and Due F ro m :.................................. 2,949 Federal Funds and R e p o s :....................... 4,6 2 5 Investm ents:...............................................9,731 Total Loans: ............................................ 7 4 ,4 1 4 Premises and Fixed A s s e ts :.....................2,391 Other Real Estate: ............................................. 0 Other Assets: ............................................. 776 Total A s se ts:.......................................... 9 4 ,8 8 6 Total Trust A ssets:............................................. 0  D e p o sits:.................................................. 7 7 ,6 8 4 Federal Funds and Borrow ings:................9,2 79 Other Liabilities: .......................................... 667 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 8 7 ,6 3 0 Total Equity Capital and Reserves: . . . 7,2 5 6 Total Liabilites and C apital:.................. 9 4 ,8 8 6 Number of Shares Outstanding: ............. 5,5 00  Directors: James Baker, Wayne Britt, Richard P. Calhoun, Sammy Fiser, Buddy D. Philpot, Philip Taldo, Willard Walker Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Eightieth Report  115  Bodcaw Bank Stam ps, AR P. 0. Box 8 401 Thomas Street 718 60 -0 00 8  Telephone: 5 33-4486 FAX: 5 33-4456 Population: 2,50 0  Charter Number: 106 Date: Dec. 8, 1902 County: Lafayette  Trust Department: No Bank Holding Company None  Chm/CEO/Pres: James R. Nipper VP: J. Paul Nipper Cash: Bonnie Moreland  AVP: Lenora Downs TO: Linda Pipkin  Cash and Due F ro m :.................................. 1,456 Federal Funds and R e p o s :................................0 Investments: .......................................... 36 ,892 Total Loans: .................... 9,3 10 Premises and Fixed A s s e ts :..................... 135 Other Real Estate: ............................................. 0 Other Assets: ............. 893 Total A s s e ts :.................................... .. . 48 ,686 Total Trust Assets: . . . . . . . . 0  D e p o sits:.......................................... 41 ,783 Federal Funds and Borrowings:................ 300 Other Liabilities: ......................................... 204 Subordinated D e b t : ......................................... 0 Total Liabilities:.............................. 42 ,287 Total Equity Capital and Reserves: . . . 6,399 Total Liabilites and Capital:.......... 4 8 ,686 Number of Shares Outstanding: . . . . 10,000  Directors: Charles L. Cabe, Jr., Roy Z. Kimbeli, Sr., J. Paul Nipper, James R. Nipper, Cynthia Cook Sandefur, A. 0. Smith, J. Woodrow Smith Branches in Town: None  Other Branches: None  Bank of Star City Star City,  AR  P. 0 . Drawer 69 200 Jefferson 7 1 6 67 -0 06 9  Telephone: 6 28 -4 28 6 FAX: 6 28 -5 27 4 Population: 2,138  Charter Number: 567 Date: April 27, 1925 County: Lincoln  Trust Department: No Bank Holding Company Star City Bancshares, Inc., Star City, AR  Chm/CEO: Bennie F. Ryburn, Jr. Pres: M. Don Smith EVP/Cash: Anneta Moore  VP: R. Mark Owen VP: George Brazeale Aud: Audra McManus  Cash and Due F ro m :.................................. 1,694 Federal Funds and R e p o s :....................... 2,650 Investm ents:.............................................14,915 Total Loans: ............................................ 33 ,170 Premises and Fixed A s s e ts :..................... 589 Other Real Estate: ....................................... 13 Other Assets: ............................................ 660 Total A s se ts:.......................................... 53,691 Total Trust A ssets:............................................. 0  D e p o sits:......................................... 49,008 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 201 Subordinated D e b t : ......................................... 0 Total Liabilities:............................... 49 ,209 Total Equity Capital and Reserves: . . . 4,482 Total Liabilites and Capital:.......... 53,691 Number of Shares Outstanding: . . . . 15,000  Directors: Robert Floyd, Sr., Bill Frizzell, Keith Griffin, Lucille Ollar, Pat Riley, Bennie F. Ryburn, Jr., M. Don Smith, Weldoo Wynn Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Gould, Pine Bluff  116  Arkansas State Bank Department  The Stephens Security Bank Stephens, AR Telephone: 7 86 -5 4 1 6 FAX: 7 86 -5 4 1 9 Population: 1,362  P. 0 . Box 7 105 Ruby Street 7 1 7 6 4 -0 0 0 7  Charter Number: 692 Date: Feb. 8, 1946 County: Ouachita  Trust Department: No Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR  Chm: Richard T. Smith CEO/Pres: Guy R. Smith  EVP/COO: Carol Reaves VP/Cash: Cheryl Brown  Cash and Due F ro m :.................................. 766 Federal Funds and R e p o s :................................0 Investm ents:............................................... 5,641 Total Loans: .............................................15,667 Premises and Fixed A s s e ts :..................... 173 Other Real Estate: ..................................... 500 Other Assets: ............................................. 291 Total A s s e ts :.......................................... 23,038 Total Trust A ssets:............................................. 0  D e p o s its :........................................... 18,626 Federal Funds and Borrow ings:................ 2,248 Other Liabilities: ............................................. 78 Subordinated D e b t : .......................................... 0 Total Liabilities:............................... 2 0 ,9 5 2 Total Equity Capital and Reserves: . . . 2 ,0 8 6 Total Liabilites and C apital:.......... 23 ,038 Number of Shares Outstanding: . . . . 11,000  Directors: Duncan Grayson, Carol Reaves, M. R. Smart, Guy R. Smith, Richard T. Smith, Colon Watson, Jay C. Wilson Branches in Town: None  Other Branches: None  The Farmers and Merchants Bank S tu ttg art, AR Telephone: 673-6911 FAX: 6 7 3 -6 91 8 Population: 11,0 00  P. O. Box 947 Seventh & Main Streets 7 2 1 6 0 -0 9 4 7  Charter Number: 687 Date: Dec. 29, 1944 County: Arkansas  Trust Department: Yes Bank Holding Company The Farmers and Merchants Bankshares, Inc., Stuttgart, AR  Chm: Roy 0 . McCollum, III CEO/Pres: Don Pattillo  Cash: Carroll Joe Fowler TO: Richard McMinn  Cash and Due F ro m :..................................3 ,8 7 6 Federal Funds and R e p o s :................................ 0 Investm ents:.......................................... 65 ,7 2 5 Total Loans: ............................................ 6 1 ,4 2 4 Premises and Fixed A s s e ts :..................... 1,959 Other Real Estate: ..................................... 193 Other Assets: .............................................1,886 Total A s s e ts :....................................... 135,063 Total Trust A ssets:................................ 2 3 ,5 7 4  D e p o sits:............................................... 116,261 Federal Funds and Borrow ings:................ 5,4 75 Other Liabilities: .......................................... 607 Subordinated D e b t : .......................................... 0 Total Liabilities:..................................... 122,343 Total Equity Capital and Reserves: . . 12,720 Total Liabilites and C apital:................ 135,063 Number of Shares Outstanding: . . . 100,00 0  Directors: Nicky Hargrove, Roy O. McCollum, III, Don Pattillo, Mickey Pierce, James Pond, Robert Seidenstricker, Horace Sickel, Billy Simpson, Ray Vester  Branches in Town: Two   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Des Arc  Eightieth Report  117  First Stuttgart Bank and Trust Company Stu ttg art, AR P. O. Drawer 908 412 South Main 7 2 1 60 -0 90 8  Telephone; 6 7 3 -3 54 5 FAX: 673-1977 Population; 11,000  Charter Number: 764 Date: Oct. 21, 1993 County: Arkansas  Trust Department: Yes Bank Holding Company First United Bancshares, Inc., El Dorado, AR  Chm: James V. Kelley CEO/Pres: Robert M. Koch SVP: Lois Ann Jackson SVP: Floyd Voumard  SVP: Waylon Wiggins Cash: Robin L. Harris TO: Pam Colbert  Cash and Due From: ..................... . . . 4,862 Federal Funds and R e p o s :.............................0 Investm ents:.......................................... 60,521 Total Loans: .......................................... 5 7 ,7 3 4 Premises and Fixed Assets: . . . . . . . . 1,755 Other Real Estate: . ................ 308 Other Assets: ............................................ 1,691 Total A s se ts:....................................... 126,871 Total Trust Assets: . .................. .. . 156,327  D e p o sits:............................................... 109,442 Federal Funds and Borrowings:................3,4 20 Other Liabilities: ......................................... 479 Subordinated Debt: .......................................... 0 Total Liabilities:.................................... 113,341 Total Equity Capital and Reserves: . . 13,530 Total Liabilites and C apital:................ 126,871 Number of Shares Outstanding: . . . 110,000  Directors: L. Clyde Carter, Harry C. Erwin, Tommy Hillman, Jerry J. Hoskyn, Harold Ives, Steven M. Keith, James V. Kelley, John E. Stephens  Branches in Town: Three  Other Branches: Humphrey  Bank of Trumann Trum ann, Telephone: 4 83 -6 33 3 FAX: 4 83 -7 51 2 Population: 6,30 4  AR  P. 0 . Box 48 Hwy 63 7 24 72 -0 04 8  Charter Number: 354 Date: Oct. 2, 1911 County: Poinsett  Trust Department: No Bank Holding Company None  Chm/CEO/Pres: Clyde Robertson, Jr. EVP: Wilburn Cole VP: Carroll Anderson  VP: Rick Gillette AVP: Shirley Benson Cash: Cheryl McMasters  Cash and Due F ro m :.................................. 1,562 Federal Funds and Repos: ....................... 575 Investm ents:.......................................... 28 ,552 Total Loans: .......................................... 25 ,796 Premises and Fixed A s s e ts :..................... 138 Other Real Estate: ............................................. 0 Other Assets: ............................................ 695 Total A s s e ts :................................. 57,318 Total Trust A ssets:............ 0  D e p o sits:......................................... 49,377 Federal Funds and Borrowings:................ 108 Other Liabilities: ......................................... 239 Subordinated D e b t : ......................................... 0 Total Liabilities:............................... 4 9 ,7 2 4 Total Equity Capital and Reserves: . . . 7,5 94 Total Liabilites and C apital:........... 57,318 Number of Shares Outstanding: . . . . 60,000  Directors: Carroll Anderson, Alice Clogston, Wilburn Cole, Frank Lady, Eugene Pounds, Clyde Robertson, Jr., Natalie Stuckey, Virginia Turner Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  118  Arkansas State Bank Department  First Bank of Arkansas Trum ann, AR P. 0 . Box 431 825 Hwy. 63 72472-0431  Telephone: 4 8 3 -6 4 3 3 FAX; 4 8 3 -7 0 3 0 Population: 6 ,30 4  Charter Number: 754 Date: Jan. 15, 1991 County: Poinsett  Member of Federal Reserve System Trust Department: No Bank Holding Company Southwest Bancshares, Inc., Jonesboro, AR  Chm: Wallace W. Fowler CEO/Pres: James M. Yarbrough EVP: Harry M. Hill  SVP/Cash: Georgia Bailey VP: Suzanne Sloan VP: Shane Hutchinson  Cash and Due F ro m :.................................. 1,688 Federal Funds and R e p o s :................................0 Investm ents:.............................................14,811 Total Loans: .......................................... 3 6 ,7 2 4 Premises and Fixed A s s e ts :........................ 876 Other Real Estate: ............................................. 0 Other Assets: .............................................1,140 Total A s s e ts :.......................................... 55 ,239 Total Trust A ssets:............................................. 0  D e p o s its :.......................................... 4 9 ,6 6 9 Federal Funds and Borrow ings:................ 300 Other Liabilities: .......................................... 323 Subordinated D e b t : .......................................... 0 Total Liabilities:............................... 5 0 ,2 9 2 Total Equity Capital and Reserves: . . . 4 ,9 4 7 Total Liabilites and C apital:.......... 55 ,2 3 9 Number of Shares Outstanding: . . . . 10,000  Directors: Mark Brown, Jama Fowler, Mark Fowler, Wallace W. Fowler, Harry M. Hill, Burness R. Holt, Ben R. Hyneman, Hal F. Hyneman, Phil Jones, Lloyd McCracken, Jr., David Thompson, James M. Yarbrough  Branches in Town: One  Other Branches: Harrisburg  Bank of Tuckerman Tuckerm an, AR Telephone: 3 4 9 -5 15 5 FAX: 3 49 -5 1 7 0 Population: 2 ,02 0  P. O. Box 1000 106 E. Main 7 2 4 7 3 -1 0 0 0  Charter Number: 164 Date: Nov. 8, 1902 County: Jackson  Trust Department: No Bank Holding Company Rainbow Investment Company, Inc., Tuckerman, AR  Chm/CEO/Pres: Lindley V. Smith, Jr. EVP: Al M. Morris, Jr.  VP: Drew Sandlin, II Cash: Ann Watson  Cash and Due F ro m :.................................. 1,419 Federal Funds and R e p o s :................................0 Investm ents:.............................................13,968 Total Loans: .............................................16,696 Premises and Fixed A s s e ts :..................... 256 Other Real Estate: ..................................... 103 Other Assets: ............................................. 463 Total A s s e ts :.......................................... 3 2 ,9 0 5 Total Trust A ssets:............................................. 0  D e p o sits:.....................................................2 7 ,4 1 2 Federal Funds and Borrow ings:................ 415 Other Liabilities: .......................................... 190 Subordinated D e b t : .......................................... 0 Total Liabilities:.......................................... 28 ,017 Total Equity Capital and Reserves: . . . 4,8 88 Total Liabilites and C apital:.................. 3 2 ,9 0 5 Number of Shares Outstanding: ............. 4 ,0 0 0  Directors: Scotty Armstrong, Bob Penix, Lindley V. Smith, Jr. Branches in Town: None  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Grubbs, Newport, Swifton  119  Eightieth Report  First Delta Bank Tyronza, AR P. 0 . Box 395 Main and Oak Streets 723 86 -0 39 5  Telephone: 487-2161 FAX: 4 87-2069 Population 858  Charter Number: 704 Date: Oct. 31, 1951 County: Poinsett  Trust Department: No Bank Holding Company Tyronza Bancshares, Inc., Tyronza, AR  Ohm: G. E. Beley CEO/Pres: Harry J. Webb, Jr  VP/Cash: Loretta Branch VP: Roger Stokes  Cash and Due From: ........................ .2,179 Federal Funds and R e p o s :................................0 5,129 Investments: .................... Total Loans: ..................................... 23,304 Premises and Fixed Assets; . . . . . . . . 1,083 Other Real Estate: .......... .. , 61 Other Assets: ....................... 375 Total Assets: ............................ . . . 32,131 Total Trust Assets: .................................. 0  D epo sits:......................................... 25,086 Federal Funds and Borrowings:................2,720 Other Liabilities: ......................................... 279 Subordinated D e b t : ......................................... 0 Total Liabilities:............................... 28,085 Total Equity Capital and Reserves: . . . 4,046 Total Liabilites and C apital:............32,131 Number of Shares Outstanding: . . . . 19,680  Directors: A. A. Banks, G. E. Beley, Charles F. Luter, H F. Norcross, Jr., Eugene Vaughn, Harry J.  Webb, Jr., Lewis M. Wood  Branches in Town: None  Other Branches: Marked Tree  Citizens Bank & Trust Company Van Buren, AR Telephone: 474 1201 FAX: 4 74 -4 63 0 Population:  1 5 ,0 1 0  P. 0 . Box 469 3110 Alma Hwy 7 2 9 56 -0 46 9  Charter Number: 328 Date: Dec. 20, 1910 County: Crawford  Trust Department: Yes Bank Holding Company Vista Sancorporation, Van Buren, AR  Chm/CEO: James G. Williamson, Jr Pres: William W Thomas  EVP/Cash/TO: Marion H. Riggs SVP: Luther F. Gordy, III  Cash and Due F ro m :....................... . . 3,641 federal Funds andRepos: 0 Investments: . . 55,327 Total Loans . . . 74,001 Premises and Fixed Assets; . . . 2,090 Other Real Estate . 175 Other Assets: ..........................................3,1 57 Total A s se ts:....................................... 138,391 Total Trust A ssets:....................... .. . . . 1,234  D e p o sits:.............................................. 122,260 Federal Funds and Borrowings: . . . . . . 2,600 Other Liabilities: ......................................... 901 Subordinated Debt: 0 Total Liabilities .................................... 125,761 Total Equity Capital and Reserves: . . 12,630 Total Liabilites and C apital:................ 138,391 Number of Shares Outstanding: . . . . 1 6,000  Directors: Jimmy G Bell, Warren D. Blaylock, Jimmy D. Gooch, Morril H. Harriman, Marion H. Riggs, Paul 0 Shirley, William W Thomas, James G. Williamson, Jr. Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Tw o  Other Branches:  A lm a, M ountainburg  120  Arkansas State Bank Department  The Peoples Bank W aldo, AR P. 0 . Box 426 101 Main Street 7 1 7 7 0 -0 4 2 6  Telephone: 693-5551 FAX: 693 -5 55 2 Population: 1,495  Charter Number: 313 Date: June 22, 1910 County: Columbia  Trust Department: Yes Bank Holding Company Golden Oaks Bancshares, Inc., Waldo, AR  Chm/CEO/TO: Harold H. Fincher Pres: Mary L. Baird EVP: David L. Baird  VP/Cash: Jill McClinton VP: Richard L. Scott  Cash and Due F ro m :........... Federal Funds and Repos: . Investm ents:........................ Total Loans: ........................ Premises and Fixed Assets: Other Real Estate: ............. Other Assets: ..................... Total A s s e ts :........................ Total Trust A ssets:.............  D e p o s its :............................................... Federal Funds and Borrowings: . . . . Other Liabilities: .................................. Subordinated D e b t : ............................. Total Liabilities:.....................................  .................. 2,4 03 .......................... 0 ................15,999 ................14,393 ..................... 195 ........................ 63 ..................... 351 ................ 3 3 ,4 0 4 .................. 1,224  . 28 ,529 . . 1,545 . . . 172 ........... 0 . 3 0 ,2 4 6  Total Equity Capital and Reserves: . . . 3,1 58 Total Liabilites and C apital:................ . 3 3 ,4 0 4 Number of Shares Outstanding: . . . . 10,000  Directors: Mary L. Baird, Imogene M. Clark, Richard P. Clark, Pamela L. Davis, Dorothy J. Fincher, Harold H. Fincher, Steven C. Fincher, Betty E. Harris, Betty L. Scott, Gerald F. Scott Branches in Town: One  Other Branches: Emerson, Magnolia, McNeil  Bank of Waldron W aldron, AR Telephone: 637-2161 FAX: 6 3 7 -4 87 4 Population: 3 ,02 4  P. 0 . Box 2 26 0 110 W. 4th Street 7 2 9 5 8 -2 2 6 0  Charter Number: 72 Date: April 3, 1901 County: Scott  Trust Department: Yes Bank Holding Company First National Security Company, DeQueen, Arkansas  Chm: John H. Hendrix CEO/Pres: Greg Bourns VChm: Larry Mashburn EVP: Jeff Rogers  SVP: Robert Akers VP/TO: Debra Fuller Cash: Linda Forrest  Cash and Due F ro m :.................................. 1,959 Federal Funds and R e p o s :....................... 2,070 Investm ents:............................................ 2 1 ,700 Total Loans: .......................................... 37 ,3 9 9 Premises and Fixed A s s e ts :..................... 1,040 Other Real Estate: ..................................... 236 Other Assets: ..........................................1,297 Total A s s e ts :............................... . . . . 65,701 Total Trust A ssets:..................................... 218  D e p o sits:........................................... 55,911 Federal Funds and Borrow ings:..................... 0 Other Liabilities: .......................................... 295 Subordinated D e b t : .......................................... 0 Total Liabilities:............................... 5 6 ,206 Total Equity Capital and Reserves: . . . 9,4 9 5 Total Liabilites and C apital:.......... 65,701 Number of Shares Outstanding: . . . . 24 ,0 0 0  Directors: Kelly Ashford, Bill Black, Greg Bourns, Jim Currier, John H. Hendrix, Larry Mashburn, Rena Owens Branches in Town: One  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  121  Eightieth Report  The Scott County Bank Waldron, AR P. 0 . Box 838 Main & W. Church 729 58 -0 83 8  Telephone: 637-3191 FAX: 637-3195 Population: 3,024  Charter Number: 741 Date: Feb. 20, 1980 County: Scott  Trust Department: No Bank Holding Company Chambers Bancshares, Inc., Danville, AR  CEO: John Ed Chambers, III Pres: Patsy Hawkins SVP/Cash: Trisha Sikes  SVP: Robbie Zimmer AVP: Mike Donnell  Cash and Due F ro m :.................................. 1,662 Federal Funds and R e p o s :............................. 90 Investments: ....................... .. . . 13,788 Total Loans: , . . 3 4 ,316 Premises and Fixed Assets: . . . . . 955 Other Real Estate: ....................................... 70 530 Other Assets: ....................... Total Assets: ............................. .. 51,411 0 Total Trust A ssets.........  D e p o sits:......................................... 45,021 Federal Funds and Borrowings:..................... 0 Other Liabilities: .......................................... 322 Subordinated D e b t : ......................................... 0 Total Liabilities:............................... 45,343 Total Equity Capital and Reserves: . . . 6,068 Total Liabilites and Capital:............51,411 Number of Shares Outstanding: . . . . 40 ,000  Directors: Lonnie Campbell, John Ed Chambers, III, Roy Hale, Robert Handley, Patsy Hawkins, Dan Laird  Branches in Town: None  Other Branches: Mansfield, Mena  The Arkansas Bank Walnut Ridge, AR Telephone: 886-771 1 FAX: 886-2941 Population: 4,40 0  P. 0 . Box 749 212 W. Walnut 7 2 4 76 -0 74 9  Charter Number: 71 Date: March 23, 1901 County: Lawrence  Trust Department: No Bank Holding Company None  Chm: Sloan Rainwater, Jr. CEO/Pres: Gary Little VChm: Jim Hinkle VP/Cash: Marilyn Davis  VP: VP: VP: VP:  Cash and Due F ro m :..................................2,653 Federal Funds and Repos: . . . . . . . 5,8 60 Investments: . . . . . . 20 ,436 Total Loans: 21,819 Premises and Fixed A s s e ts :..................... 977 Other Real Estate: ................ .. . 0 Other Assets: ............................. .. . . 1,983 Total A s s e ts :............ 53 ,728 Total Trust A ssets:.............................................0  D e p o sits:........................................ 4 6 ,8 3 4 Federal Funds and Borrowings:..................... 0 Other Liabilities: .................... 112 Subordinated D e b t : ......................................... 0 Total Liabilities:....................... 46 ,946  Steve Wilcoxon Mary E. Sloan Billye Brewer Boyce Durham  Total Equity Capital and Reserves: . . . 6,782 Total Liabilites and Capital:.......... 53,728 Number of Shares Outstanding: . . . . 18,000  Directors: Mary Virginia Rainwater Cox, Steve Cox, Boyce Durham, Odell Fort, Jim Hinkle, Sloan Rainwater, Jr., William I. Rainwater, Jr., William I. Rainwater, Sr., Ben Starr, Maurice Starr  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Lynn, Portia, Smithvilie  122  A rk a n s a s S ta te Bank D e pa rtm e nt  First State Bank of Warren Warren, AR Telephone: 226-2601 FAX: 226 -2 25 3 Population: 6,45 5  P. 0 . Box 29 Main Street 7 1 6 7 1 -0 0 2 9  Charter Number: 739 Date: Dec. 12, 1978 County: Bradley  Trust Department: Yes Bank Holding Company Bradley Bancshares, Inc., Warren, AR  Chm: Virginia M. Ryburn CEO/Pres: Freddie M. Mobley  Cash: Shirley Meggs TO: Roy Ferrell  Cash and Due F ro m :..................................2,281 Federal Funds and R e p o s :................................0 Investm ents:.......................................... 26 ,682 Total Loans: ............................................ 4 6 ,5 1 4 Premises and Fixed A s s e ts :..................... 1,145 Other Real Estate: ....................................... 15 Other Assets: .............................................1,068 Total A s s e ts :.......................................... 7 7 ,7 0 5 Total Trust A ssets:..................................... 859  D e p o sits:.................................................. 69 ,4 8 0 Federal Funds and Borrow ings:................ 820 Other Liabilities: .......................................... 262 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 7 0 ,5 6 2 Total Equity Capital and Reserves: . . . 7,1 43 Total Liabilites and C apital:................... 7 7 ,7 0 5 Number of Shares Outstanding: . . . . 5 9 ,0 0 0  Directors: Bill Blann, Robert E. Garner, Roger George, Robert Green, Jr., Freddie M. Mobley, Hugh A. Quimby, Bennie Ryburn, Jr., Bennie Ryburn, III, Virginia M. Ryburn, J. C. Thompson, H. Sidney Wharton, Dr. Joe H. Wharton Branches in Town:  One  Other Branches:  Hermitage  Warren Bank and Trust Company Warren, AR Telephone: 226-2621 FAX: 226-6261 Population: 6,45 5  P. 0 . Box 350 201 S. Main 7 1 6 7 1 -0 3 5 0  Charter Number: 80 Date: Dec. 28, 1901 County: Bradley  Trust Department: Yes Bank Holding Company None  Chm: John B. Frazer CEO/Pres: Carlton E. Davis SVP/Cash: James E. Smith  SVP: Gerry Sharp TO: Mike Shull  Cash and Due F ro m :.................................. 3,037 Federal Funds and R e p o s :....................... 2,3 50 Investm ents:.......................................... 4 8 ,3 7 5 Total Loans: .......................................... 45 ,5 9 9 Premises and Fixed A s s e ts :..................... 1,009 Other Real Estate: ............................................. 0 Other Assets: .............................................1,287 Total A s s e ts :.......................................... 101,657 Total Trust A ssets:.................................. 14,617  D e p o s its :......................................... 8 6 ,2 0 9 Federal Funds and Borrow ings:................ 659 Other Liabilities: .......................................... 416 Subordinated D e b t : .......................................... 0 Total Liabilities:............................... 8 7 ,2 8 4 Total Equity Capital and Reserves: . . 14,373 Total Liabilites and C apital:........101,657 Number of Shares Outstanding: . . . . 4 8 ,0 0 0  Directors: F.  Bruce Anderson, L. H. Derby, Jr., John B. Frazer, W. Sykes Harris, C. A. Milton, Kerry Pennington, Gerard Sangster, G. F. Wynne, M.D.  Branches in Town: T w o   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: H erm itage  123  Eightieth Report  Bank of Weiner Weiner, AR Telephone. 684-2221 FAX: 684 -7 39 2 Population 650  P. 0. Box 307 Highway 49 7 2479-0307  Charter Number: 276 Date: April 2, 1909 County: Poinsett  Trust Department: Yes Bank Holding Company North Arkansas Bancshares, Inc., Jonesboro, AR  CEO/Pres/Cash/TO;  Niles A. Bise  EVP: Michael D. Gillis  Cash and Due F ro m :.................................. 615 Federal Funds and Repos: ................................ 0 Investments: . 10,992 Total Loans: ............ 21,291 Premises and Fixed A s s e ts :............... 100 Other Real Estate: .............................................0 Other Assets: . . . . . . . . 889 . . 33,887 Total Assets .......... .. Total Trust A ssets:.....................................1,673  D e p o sits:................................................. 29,425 Federal Funds and Borrowings:................ 649 Other Liabilities: ......................................... 452 Subordinated D e b t : ......................................... 0 Total Liabilities:....................................... 30 ,526 Total Equity Capital and Reserves: . . . 3,361 Total Liabilites and Capital:.................. 33,887 Number of Shares Outstanding: ............. 8,000  Directors: Niles A. Bise, Charles E. Givens, Dr. E. L. Hogue, John Marcue Hogue, G. L. Lieblong, Herbert D. Ziegenhorn Branches in Town: None  Other Branches: Fisher  Merchants and Farmers Bank West Helena, AR P. 0 . Box 2507 425 East Plaza 7 2390-0507  Telephone: 572-3481 FAX: 572-1901 Population: 10,139  Charter Number: 700 Date: Oct. 4, 1948 County: Phillips  Trust Department: Yes Bank Holding Company Security Bancshares, Inc., Des Arc, AR  Chm: Sherod S. White CEO/Pres/TO: Bill Simmons Cash and Due From: . . . Federal Funds and Repos: . . . Investments: Total Loans. ................ ... Premises and Fixed Assets: . . Other Real Estate: Other Assets: Total Assets: .. .. . Total Trust Assets-  VP/Cash: Sarah Bradshaw . 3,492 . . . . 0 . 30,471 . 56 ,170 , 1,746 13 1,844 93 ,736 .1,117  D e p o sits:.......................................... 83,148 Federal Funds and Borrowings:................ 1,900 Other Liabilities: .................... 435 Subordinated D e b t : ......................................... 0 Total Liabilities:.............................. 85 ,483 Total Equity Capital and Reserves: . . . 8,253 Total Liabilites and C apital:.......... 93 ,736 Number of Shares Outstanding: . . . . 20,000  Directors: Bill Benton, James E. Boyd, W. P. Foster, Jr., Brooks Griffin, David Griffin, Jerry Kelley, Walter Morris, Bill Simmons, Doug Simmons, Herman Storey, James Thomason, Sherod S. White Branches in Town: Two   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Marvell  124  A rk a n s a s S ta te Bank D epartm ent  Bank of West Memphis West Memphis, AR Telephone: 7 3 2 -8 0 0 0 FAX: 7 3 5 -0 84 9 Population: 3 0 ,0 0 0  P. 0 . Box 2128 626 E. Broadway 7 2 3 0 3 -2 1 2 8  Charter Number: 601 Date: April 21, 1928 County: Crittenden  Trust Department: Yes Bank Holding Company Bancshares of West Memphis, Inc., West Memphis, AR  Ohm: George H. Dunklin CEO/Pres: Jack K. Hogan VChm: M. E. Black Dunklin EVP: Robert L. Wright  SVP: Robert L. Naylor SVP: Paul Neal SVP/TO: Arley Knight Cash: Jo Duncan  Cash and Due F ro m :.................................. 5,2 36 Federal Funds and R e p o s :................................ 0 Investm ents:.............................................55 ,1 0 2 Total Loans: .......................................... 3 2 ,5 8 4 Premises and Fixed A s s e ts :..................... 1,537 Other Real Estate: ............................................. 0 Other Assets: .............................................1,774 Total A s se ts:.......................................... 9 6 ,233 Total Trust A ssets:.....................................3 ,917  D e p o sits:.................................................. 8 5 ,277 Federal Funds and Borrow ings:..................... 0 Other Liabilities: .......................................... 214 Subordinated D e b t : .......................................... 0 Total Liabilities:....................................... 85,491 Total Equity Capital and Reserves: . . 10 ,742 Total Liabilites and C apital:.................. 9 6 ,2 3 3 Number of Shares Outstanding: . . . 10 0,00 0  Directors: Davis Biggs, George H. Dunklin, George H. Dunklin, Jr., M. E. Black Dunklin, James A. Heath, Jack K. Hogan, Keith Ingram, W. Kent Ingram, Pat K. Magruder, Lloyd C. McCuiston, Jr., Paul W. O'Neal, J. C. Tennison, J. Frank Waggoner Branches in Town:  Three  Other Branches:  None  Wilmot State Bank Wilmot, AR Telephone: 473-2211 FAX: 473-5131 Population: 1,047  P. 0 . Box 95 Main Street 7 1 6 7 6 -0 0 9 5  Charter Number: 676 Date: Oct. 25, 1937 County: Ashley  Trust Department: No Bank Holding Company None  CEO/Pres/Cash: Kenneth M. Allbritton Cash and Due F ro m :.................................. 41 5 Federal Funds and R e p o s :........................ 200 Investm ents:............................................... 3,2 9 2 Total Loans: ............................................... 5,191 Premises and Fixed A s s e ts :........................... 47 Other Real Estate: ....................................... 83 Other Assets: ............................................. 131 Total A s s e ts :...............................................9,3 59 Total Trust A ssets:............................................. 0  D e p o s its :....................................................... 7,3 5 6 Federal Funds and Borrow ings:................ 300 Other Liabilities: ............................................. 28 Subordinated D e b t : .......................................... 0 Total Liabilities:.............................................7 ,6 8 4 Total Equity Capital and Reserves: . . . 1,675 Total Liabilites and C apital:........................9,3 59 Number of Shares Outstanding: . . . . 1 2,0 00  Directors: Jo h n B. Currie, W illia m J . Currie, W illia m B. d e Y am p e rt, T h o m a s F. S ca n n e ll, III Branches in Town: N one   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  125  Eightieth Report  Cross County Bank Wynne, AR Telephone: 238-8171 FAX: 2 38-4052 Population: 8,187  1  Charter Number: 25 Date: June 5, 1891 County: Cross  P. 0 . Box 9 Cross County Plaza 723 96 -0 00 9  Trust Department: Yes Bank Holding Company Cross County Bancshares, Inc., Wynne, AR  Chm: Willard G. Burks, M.D. CEO/Pres/TO: Ken McClanahan  Cash: Beth Dildine  Cash and Due F ro m :............................... 1,983 Federal Funds and Repos: . ...................4,780 ............. 28 ,440 Investments: . . Total Loans: 6 1 ,014 Premises and Fixed A s s e ts :............. , . 1,575 Other Real Estate: . . . 0 Other A s s e ts : ................................. 1,220 Total A s s e ts ............................................. 99 ,012 Total Trust Assets; . . 2,385  D e p o sits:.......................................... 8 9 ,415 Federal Funds and Borrowings:................ 442 Other Liabilities: ............... 388 Subordinated D e b t : .......... 0 Total Liabilities:.............................. 90 ,245 Total Equity Capital and Reserves: . . . 8,767 Total Liabilites and C apital:........... 99,012 Number of Shares Outstanding:. . . . . 4,000  Directors: Willard G. Burks, M.D., Guy E. Fisher, Marvin T. Hagaman, Albert A. Hess, Pete L. ;mboden, III, Ken McClanahan, Roger E. Pohlner, Donald L. Reddmann, James A. Richardson Branches in Town: One  Other Branches: Cherry Valley, Hickory Ridge  First Bank of Arkansas Wynne, AR P. 0 . Box 189 500 N. Falls 7 2 3 96 -0 18 9  Telephone: 2 38-2265 FAX: 238 -7 03 0 Population: 8,187  Charter Number: 228 Date: Jan. 24, 1907 County: Cross  Member of Federal Reserve System Trust Department: No Bank Holding Company Southwest Bancshares, Inc., Jonesboro, AR  EVP: Jack Runsick Cash: Andrea Wood  Chm/CEO: Wallace W. Fowler Pres: Leon Foust CFO: Lloyd McCracken, Jr. Cash and Due From: . , Federal Funds and Repos: . Investments: Total Loans. .... Premises and Fixed Assets Other Real Estate; Other Assets: . . Total Assets; Total Trust Assets; . .  ,  750 . 355 2,268 14,832 . 801 , . . . 0 . . 222 19,228 0 ,  D e p o sits:....................................... . . . 17,519 Federal Funds and Borrowings:............... .. . 0 Other Liabilities: ............ 113 Subordinated D e b t : ......................................... 0 Total Liabilities: ....................................... 17,632 Total Equity Capital and Reserves: . . . 1,596 Total Liabilites and C apital:..................... 19,228 Number of Shares Outstanding: . . . . 10,000  Directors: Donald R. Burnett, Leon Foust, Jama Fowler, Mark Fowler, Wallace W. Fowler, John Garner, Phil Jones, Stan Kelley, Lloyd McCracken, Jr., George E. Owens, Sr., Bill Thomas Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  A rk a n s a s S ta te Bank D epartm ent  12 6  The Bank of Yellville Yellville, AR P. 0 . Box 325 Madison & Church 7 2 6 8 7 -0 3 2 5  Telephone: 449-4231 FAX: 4 4 9 -4 86 6 Population: 1,207  Charter Number: 691 Date: Dec. 13, 1945 County: Marion  Trust Department: Yes Bank Holding Company Mountain Bancshares, Inc., Yellville, AR  Chm/CEO/Pres: Judy R. Loving EVP/Cash: Chloe Richardson  SVP: Phyllis Harp  Cash and Due F ro m :.................................. 1,520 Federal Funds and R e p o s :........................ 650 Investm ents:.............................................18,287 Total Loans: ............................................ 3 5 ,1 3 4 Premises and Fixed A s s e ts :........................ 956 Other Real Estate: ..................................... 125 Other Assets: ............................................. 738 Total A s se ts:............................................ 57 ,4 1 0 Total Trust A ssets:............................................. 0  D e p o s its :...........................................51 ,288 Federal Funds and Borrow ings:..................... 0 Other Liabilities: .......................................... 207 Subordinated D e b t : .......................................... 0 Total Liabilities:................................ 51 ,4 9 5 Total Equity Capital and Reserves: . . . 5,9 15 Total Liabilites and C apital:........... 57 ,4 1 0 Number of Shares Outstanding: . . . . 20,781  Directors: Frank Bailey, F. A. Berry, Dan Duren, H. C. Hall, Judy R. Loving, Chloe Richardson, Kenneth Smith, Susan Wendel Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Bull Shoals  REPORT OF  STATE CHARTERED INDUSTRIAL LOAN INSTITUTIONS, TRUST COMPANIES, AND NON-PROFIT ORGANIZATIONS  (NOT ENGAGED IN COMMERCIAL BANKING)   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  JUNE 30, 1994  128  A rk a n s a s S ta te Bank D epartm ent  Arkansas Capital Corporation Little Rock, AR Telephone: 374 -9 24 7 FAX: 3 74-9425 Population: 175,795  225 South Pulaski Street 7 2 2 0 1 -1 9 2 5  Charter Number: 1006 Date: Aug. 6, 1 958 County: Pulaski  Trust Department: No Bank Holding Company None  Chm: D. Patton Rudder CEO: C. Sam Walls  Pres: Joseph B. Ford  Cash and Due F ro m :........... Federal Funds and Repos: . Investm ents:........................ Total Loans: ........................ Premises and Fixed Assets: Other Real Estate: ............. Other Assets: ..................... Total A s s e ts :........................ Total Trust A ssets:.............  . 1,079 . ... 0 . 5,3 69 18 ,524 . . 202 . . 169 . . 159 2 5 ,5 0 2 . ... 0  D e p o sits:............................................................. 0 Federal Funds and Borrow ings:...............19,818 Other Liabilities: ........................................... 116 Subordinated D e b t : ........................................... 0 Total Liabilities:........................................... 19 ,934 Total Equity Capital and Reserves: . . . 5,568 Total Liabilites and C apital:................... 2 5 ,502 Number of Shares Outstanding: ...............1,095  Directors:  John W. Ahlen, Del Boyette, George E. Campbell, Wayne Clark, Joseph B. Ford, Donald H. Henry, Bert M. Mullens, Don Pattillo, H. Glenn Rambin, D. Patton Rudder, William T. Staed, Vincent Tilford  Branches in Town:  None  Other Branches:  None  Jones Investment & Trust Co. Little Rock, AR Telephone: 3 7 4 -5 22 5 FAX: 3 7 4 -5 10 0 Population: 1 75,795  232 3 First Commercial Building 72201-3441  Charter Number: 302 Date: Feb. 1, 1910 County: Pulaski  Trust Department: Yes Bank Holding Company None  Chm/CEO/Pres: Bernice Jones  VP/Sec/Treas: H. G. Frost, Jr.  Cash and Due F ro m :.................................. 143 Federal Funds and R e p o s :................................0 Investm ents:.............................................11,012 Total Loans: ............................................... 135 Premises and Fixed A s s e ts :........................... 30 Other Real Estate: ............................................. 0 Other Assets: ...................................................88 Total A s s e ts :.............................................11,408 Total Trust A ssets:............................................. 0  D e p o sits:............................................................ Federal Funds and Borrow ings:..................... Other Liabilities: ............................................... Subordinated D e b t : .......................................... Total Liabilities:..................................................  Total Equity Capital and Reserves: . 11,408 Total Liabilites and C apital:......................11,408 Number of Shares Outstanding: ...........1,000  Directors: H. G . Frost, Jr., Jo h n W . Jo h n s o n , B ernice Jo n e s Branches in Town: N one   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  0 0 0 0 0  Other Branches: None  Eightieth Report  129  National Credit Corporation Little Rock, AR Telephone: 3 7 1 -8 76 9 FAX: 3 71 -8 46 0 Population: 175,795  P. O. Box 1681 c/o Worthen Banking Corp. 72203-1681  Charter Number: 1002 Date: April 13, 1941 County: Pulaski  Trust Department: No Bank Holding Company Worthen Banking Corporation, Little Rock, AR  Chm: Curtis E. Bradbury CEO/Pres: Andrew T. Melton  VP/Treas: Alan C. King  Cash and Due F ro m :........................ 3 Federal Funds and R e p o s :................................0 Investm en ts:............. 251 Total Loans: ............. 0 Premises and Fixed A s s e ts :............................. 0 Other Real Estate: ............................................. 0 Other Assets: ............. 6 Total A s s e ts :.................. 260 Total Trust A ssets:............................................. 0  D e p o sits:............................................................ 0 Federal Funds and Borrowings:..................... 0 Other Liabilities: ............................................... 6 Subordinated D e b t : ......................................... 0 Total Liabilities:................................................. 6 Total Equity Capital and Reserves: . . . . 254 Total Liabilites and C apital:....................... 260 Number of Shares Outstanding: 6,250  Directors: Curtis E. Bradbury, William Keisler, Andrew T. Melton Branches in Town: None  Other Branches: None  The Metropolitan Trust Company Sherwood, AR Telephone: 8 3 5 -7 50 0 FAX: 8 35-1775 Population: 18,893  P. 0 . Box 6500 7 5 0 0 Highway 107 7 2 1 1 6 -0 9 0 0  Charter Number: 569 Date: June 5, 1925 County: Pulaski  Trust Department: Yes Bank Holding Company None  CEO/Pres: Terry A. Paff VP: Michael E. Friedrichsmeyer  Treas: Everett L. Hall, Jr. Sec: Karen L. Mashburn  Cash and Due F ro m :.................. 57 Federal Funds and R e p o s :................................0 Investm en ts:................................. 330 Total Loans: ....................................................... 0 Premises and Fixed Assets: 90 Other Real Estate: ..................................... 100 Other Assets: ............................................... 14 Total A s s e ts :............................................... 591 Total Trust A ssets:.......................................... 0  D e p o sits:............................................................ 0 Federal Funds and Borrowings:..................... 0 Other Liabilities: ......................................... 268 Subordinated D e b t : ......................................... 0 Total Liabilities:............................................ 268 Total Equity Capital and Reserves: . . . . 323 Total Liabilites and C apital:....................... 591 Number of Shares Outstanding: ............. 1,642  Directors: Andrew J. Collins, Hal C. Matthews, Terry A. Paff Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eightieth Report  REPORT OF  COUNTY INDUSTRIAL DEVELOPMENT CORPORATIONS  (NOT ENGAGED IN COMMERCIAL BANKING)   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  JUNE 30, 1994  A rk a n s a s S ta te B ank D epartm ent  13 2  Garland County Industrial Development Corporation Hot Springs, AR Charter Number: 30002 Telephone: 321-1700 FAX: 624-2064 Pres: Lehman Henderson  P. 0 . Box 6090 659 Ouachita 71902 Sec: James A. Cherry  Howard County Industrial Development Corporation Nashville, AR Charter Number: 30001 Telephone: 845-4422 FAX: 845-1601 Chm/Pres: Larry Renaurd   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  c/o Ronny Woods P. 0 . Box 182 71852  E ig h tie th R epo rt  LIST OF  COMMERCIAL BANKS   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  BY COUNTY  JUNE 30, 1994  134  A rk a n s a s S ta te Bank D epartm ent  COMMERCIAL BANKS LISTED BY COUNTY COUNTY  BANK  Arkansas  DeWitt Bank And Trust Company The First National Bank of DeWitt Planters & Merchants Bank The Farmers and Merchants Bank First Stuttgart Bank and Trust Company  DeWitt DeWitt Gillett Stuttgart Stuttgart  Ashley  First National Bank of Crossett First State Bank Farmers Bank Southeast Arkansas Bank The Peoples Bank Portland Bank Wilmot State Bank  Crossett Crossett Hamburg Parkdale Portland Portland Wilmot  Baxter  First National Bank & Trust Company of Mountain Home Peoples Bank And Trust Company  Benton  Arkansas National Bank Bank of Bentonville Decatur State Bank Bank of Gravett Farmers and Merchants Bank First National Bank & Trust Company First Western Bank and Trust Company Arkansas State Bank First National Bank  Boone  The Security Bank Worthen National Bank of Harrison  Bradley  First State Bank of Warren Warren Bank and Trust Company  Calhoun  Calhoun County Bank  Carroll  The First National Bank of Berryville Bank of Eureka Springs The First National Bank in Green Forest  Chicot  Dermott State Bank First Community Bank of S. E. Arkansas The Eudora Bank The Bank of Lake Village Simmons First Bank of Lake Village   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY  Mountain Home Mountain Home Bentonville Bentonville Decatur Gravette Rogers Rogers Rogers Siloam Springs Siloam Springs Harrison Harrison Warren Warren Hampton Berryville Eureka Springs Green Forest Dermott Dermott Eudora Lake Village Lake Village  E ig h tie th R e p o rt  135  COMMERCIAL BANKS LISTED BY COUNTY COUNTY  BANK  Clark  Bank of Amity Citizens First Bank Elk Horn Bank & Trust Company Merchants & Planters Bank & Trust Company First State Bank of Gurdon  Clay  Corning Bank Piggott State Bank The Bank of Rector  Cleburne  The Cleburne County Bank First National Bank of Cleburne County Greers Ferry Lake State Bank Heber Springs State Bank  Cleveland  Pine State Bank The Bank of Rison  Columbia  Farmers Bank and Trust Company First National Bank of Magnolia The Peoples Bank  Magnolia Magnolia Waldo  Conway  The First National Bank of Conway County Morrilton Security Bank, N.A.  Morrilton Morrilton  Craighead  The Arkansas Bank Citizens Bank of Jonesboro First Bank of Arkansas Mercantile Bank Simmons First Bank of Jonesboro MidSouth Bank  Jonesboro Jonesboro Jonesboro Jonesboro Jonesboro Monette  Crawford  Commercial Bank at Alma Bank of Mulberry Citizens Bank & Trust Company First National Bank of Crawford County  Alma Mulberry Van Buren Van Buren  Crittenden  First Southern Bank Citizens Bank Bank of West Memphis Fidelity National Bank of West Memphis First National Bank in West Memphis  Earle Marion West Memphis West Memphis West Memphis   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY Amity Arkadelphia Arkadelphia Arkadelphia Gurdon Corning Piggott Rector Heber Heber Heber Heber  Springs Springs Springs Springs  Kingsland Rison  136  A rk a n s a s S ta te Bank D epartm ent  COMMERCIAL BANKS LISTED BY COUNTY COUNTY  BANK  Cross  First State Bank Cross County Bank First Bank of Arkansas The First National Bank of Wynne  Dallas  Citizens First Bank Fordyce Bank & Trust Company Merchants & Planters Bank  Desha  Dumas State Bank Merchants & Farmers Bank The First National Bank of McGehee McGehee Bank  Dumas Dumas McGehee McGehee  Drew  Commercial Bank & Trust Company Union Bank And Trust Company  Monticello Monticello  Faulkner  First Community Bank First National Bank of Conway Worthen National Bank of Conway  Franklin  American State Bank Bank of Ozark  Fulton  Mercantile Bank Bank of Salem  Garland  Arkansas Bank and Trust Company Bank of Hot Springs Worthen National Bank of Hot Springs  Grant  First National Bank of Sheridan Grant County Bank  Greene  First National Bank Peoples Bank Security Bank  Hempstead  Bank of Bievins Citizens National Bank of Hope The First National Bank of Hope   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY Parkin Wynne Wynne Wynne Fordyce Fordyce Sparkman  Conway Conway Conway Charleston Ozark Mammoth Spring Salem Hot Springs Hot Springs Hot Springs Sheridan Sheridan Paragould Paragould Paragould Blevins Hope Hope  Eightieth Report  COMMERCIAL BANKS LISTED BY COUNTY COUNTY  BANK  Hot Spring  Bank of Malvern The Malvern National Bank Southern State Bank  Howard  First National Bank of Howard County Citizens National Bank of Nashville First National Bank of Nashville  Dierks Nashville Nashville  Independence  The Citizens Bank TCB The Community Bank of Batesville, N.A. Worthen National Bank of Batesville Worthen National Bank of Newark  Batesville Batesville Batesville Newark  Izard  First National Bank of Izard County The Bank of North Arkansas  Jackson  First State Bank of Newport Merchants & Planters Bank Bank of Tuckerman  Jefferson  First National Bank of Altheimer Pine Bluff National Bank Simmons First National Bank of Pine Bluff Worthen National Bank of Pine Bluff  Altheimer Pine Bluff Pine Bluff Pine Bluff  Johnson  Arkansas State Bank Farmers Bank and Trust Company  Clarksville Clarksville  Lafayette  The Bank of Bradley The First National Bank of Lewisville Peoples Bank & Loan Co. Bodcaw Bank  Bradley Lewisville Lewisville Stamps  Lawrence  Peoples Bank The Arkansas Bank First National Bank of Lawrence County  Lee  First National Bank at Marianna  Marianna  Lincoln  First State Bank Bank of Star City  Gould Star City  Little River  Bank of Ashdown, N.A. First National Bank in Ashdown   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY Malvern Malvern Malvern  Calico Rock Melbourne Newport Newport Tuckerman  Imboden Walnut Ridge Walnut Ridge  Ashdown Ashdown  138  A rk a n s a s S ta te Bank D epartm ent  COMMERCIAL BANKS LISTED BY COUNTY COUNTY  BANK  Logan  Citizens Bank First National Bank at Paris Logan County Bank  Lonoke  Bank of Cabot Citizens Bank & Trust Bank of England First State Bank  Madison  First National Bank of Huntsville First State Bank Madison Bank and Trust  Marion  1st Ozark National Bank The Bank of Yellville  Miller  Commercial National Bank of Texarkana The State First National Bank of Texarkana  Texarkana Texarkana  Mississippi  Farmers Bank And Trust Company First National Bank in Blytheville Buffalo Island Bank The Merchants and Planters Bank American State Bank First National Bank in Osceola The Planters Bank  Blytheville Blytheville Leachville Manila Osceola Osceola Osceola  Monroe  Bank of Brinkley FirstBank of Arkansas The Merchants and Planters Bank Bank of Holly Grove  Brinkley Brinkley Clarendon Holly Grove  Montgomery  The Bank of Montgomery County  Mount Ida  Nevada  Bank of Prescott  Newton  Newton County Bank  Ouachita  Bank of Bearden First National Bank of Camden The Merchants & Planters Bank, N.A. The Stephens Security Bank  Bearden Camden Camden Stephens  Perry  The Perry County Bank  Perryville   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY Booneville Paris Scranton Cabot Carlisle England Lonoke Huntsville Huntsville Kingston Flippin Yellville  Prescott Jasper  Eightieth Report  139  COMMERCIAL BANKS LISTED BY COUNTY CITY  COUNTY  BANK  Phillips  The Delta State Bank First National Bank of Phillips County Helena National Bank Merchants and Farmers Bank  Elaine Helena Helena West Helena  Pike  Bank of Delight The Bank of Glenwood Caddo First National Bank Pike County Bank  Delight Glenwood Glenwood Murfreesboro  Poinsett  The Bank of Harrisburg Little River Bank Marked Tree Bank Bank of Trumann First Bank of Arkansas First Delta Bank Bank of Weiner  Polk  First National Bank in Mena The Union Bank of Mena  Pope  Bank of Atkins First Bank of Arkansas First National Bank of Russellville Worthen National Bank of Russellville  Prairie  Farmers & Merchants Bank Hazen First State Bank  Pulaski  First Jacksonville Bank and Trust Arkansas Bankers' Bank Central Bank & Trust Citizens First Bank Eagle Bank & Trust Company First Commercial Bank, N.A. Metropolitan National Bank One National Bank Pulaski Bank And Trust Company Worthen National Bank of Arkansas Bank of Little Rock National Bank of Arkansas The Twin City Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Harrisburg Lepanto Marked Tree Trumann Trumann Tyronza Weiner Mena Mena Atkins Russellville Russellville Russellville Des Arc Hazen Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock North Little Rock North Little Rock North Little Rock  140  A rk a n s a s S ta te B ank D epartm ent  COMMERCIAL BANKS LISTED BY COUNTY COUNTY  BANK  Randolph  Bank of Pocahontas Planters & Stockmen Bank Farmers and Merchants Bank  Saline  Benton State Bank The Union Bank of Benton  Scott  Bank of Waldron The Scott County Bank  Waldron Waldron  Searcy  Searcy County Bank  Marshall  Sebastian  The City National Bank of Fort Smith The First National Bank of Fort Smith The Merchants National Bank of Fort Smith Farmers Bank River Valley Bank & Trust Bank of Mansfield  Fort Smith Fort Smith Fort Smith Greenwood Lavaca Mansfield  Sevier  First National Bank of DeQueen First State Bank of DeQueen Horatio State Bank Bank of Lockesburg  DeQueen DeQueen Horatio Lockesburg  Sharp  First National Bank of Sharp County Bank of Cave City Bank of Evening Shade Mercantile Bank  St. Francis  First National Bank of Eastern Arkansas Planters Bank and Trust Company The Planters National Bank of Hughes  Stone  Bank of Mountain View  Union  Citizens First Bank The First National Bank of El Dorado National Bank of Commerce First Bank of South Arkansas Smackover State Bank  Van Buren  Clinton State Bank First National Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY Pocahontas Pocahontas Reyno Benton Benton  Ash Flat Cave City Evening Shade Hardy Forrest City Forrest City Hughes Mountain View El Dorado El Dorado El Dorado Junction City Smackover Clinton Clinton  Eightieth Report  141  COMMERCIAL BANKS LISTED BY COUNTY COUNTY  BANK  Washington  The Bank of Elkins Elkins The Bank of Fayetteville, N.A. Fayetteville Citizens Bank of Northwest Arkansas Fayetteville Mcllroy Bank & Trust Fayetteville Worthen National Bank of Northwest Arkansas Fayetteville Lincoln Bank of Lincoln Prairie Grove The Farmers & Merchants Bank Springdale The First National Bank of Springdale Springdale Bank and Trust Springdale  White  Citizens State Bank Citizens Bank Charter State Bank First Bank of Arkansas First National Bank First Security Bank  Woodruff  The Bank of Augusta Bank of McCrory  Augusta McCrory  Yell  Danville State Bank Arkansas Valley Bank Bank of Dardanelle First State Bank  Danville Dardanelle Dardanelle Plainview   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY  Bald Knob Beebe Beebe Kensett Searcy Searcy  A rk a n s a s S ta te Bank D epartm ent  14 2  MAP OF ARKANSAS COUNTIES   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eightieth Report  BANK HOLDING COMPANIES  WHICH OWN  COMMERCIAL BANKS   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  IN ARKANSAS  JUNE 30, 1994  144  A rk a n s a s S ta te B ank D epartm ent  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Central Arkansas Bancshares, Inc. Arkadelphia, AR P. 0 . Box 515 526 Main Street 71923-0515  BHC Number: 6567 Telephone: 246-8070 FAX: 246-7122  Pres: Steve L. DeMott  CEO: Ross M. Whipple Subsidiaries: GCB Bancshares, Inc. Grant County Bank GCB Insurance, Inc. Merchants & Planters Bank & Trust Company First Banc Mortgage Company Landau II Bank of Hot Springs Landau III Bank of Malvern Landau I First Banc Securities, Inc.  Sheridan, Sheridan, Sheridan, Arkadelphia, Arkadelphia, Arkadelphia, Hot Springs, Hot Springs, Malvern, Malvern, Arkadelphia,  AR AR AR AR AR AR AR AR AR AR AR  Southern Development Bancorporation, Inc. Arkadelphia, AR BHC Number: 10585 Telephone: 246-3945 FAX: 246-2182 Chm: Ronald A. Grzywinski Subsidiaries: Elk Horn Bank and Trust Company Financial Mortgage Corporation Opportunity Lands Corporation  605 Main, Suite 202 71923-6037 CEO/Pres: George P. Surgeon Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR  Citizens State Bankshares of Bald Knob, Inc. Bald Knob, AR BHC Number: 4548 Telephone: 724-3241 FAX: 724-5985 Chm/CEO: Juanita Litzelfelner Subsidiaries: Citizens State Bank Digitized for Citizens FRASER State Investments, Inc. http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P.O. Box 200 306 South Elm Street 72010-0200 Pres/Treas/COO: Larry E. Kircher Bald Knob, AR Bald Knob, AR  145  Eightieth Report  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Sebastian Bankshares, Inc. Barling, AR BHC Number: 10944 Telephone: 452-7906 FAX: 452-7978 Chm: Ronald H. Udouj  P. 0 . Box 529 227 Fort Street 72923-0529 CEO/Pres: James N. Patterson  Subsidiaries: River Valley Bank & Trust  Lavaca, AR  Citizens Bancshares of Batesville, Inc. Batesville, AR BHC Number: 8412 Telephone: 793-4441 FAX: 698-6299  P. 0 . Box 2156 Third and College Streets 72503-2156  CEO/Pres: Woody Castleberry Subsidiaries: The Citizens Bank Citizens Investments, Inc  Batesville, AR Batesville, AR  Union Bancshares of Benton, Inc. Benton, AR BHC Number: 8720 Telephone: 778-0411 FAX: 776-5433  P. 0 . Box 687 207 West Conway Street 72015-0687  Chm/CEO/Pres: Greg B. Brown Subsidiaries: The Union Bank of Benton Arkansas Investment Advisory Services, Inc. Benton Savings & Loan Association   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Benton, AR Benton, AR Benton, AR  146  A rk a n s a s S ta te B ank D epartm ent  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Arvest Bank Group, Inc. Bentonville, AR BHC Number: 2701 Telephone: 273-5743 FAX: 273-7477  125 West Central #218 72712  Chm/CEO/Pres: Jim C. Walton Subsidiaries: Siloam Springs Bancshares, Inc. First National Bank of Siloam Springs TRH Bank Group, Inc. (50% Owner) Security National Bank & Trust Bank of Bentonville Mcllroy Bank & Trust The Farmers & Merchants Bank First National Bank & Trust Company Arvest Mortgage Company Arvest Bank Operations, Inc. Springdale Bank and Trust State Bank & Trust, N.A. Arvest Trust Company, N.A.  Siloam Springs, AR Siloam Springs, AR Norman, OK Norman, OK Bentonville, AR Fayetteville, AR Prairie Grove, AR Rogers, AR Lowell, AR Lowell, AR Springdale, AR Tulsa, OK Bentonville, AR  Farmers Bancorp, Inc. Blytheville, AR BHC Number: 10415 Telephone: 763-8101 FAX: 763-3500  P. O. Box 688 400 West Main Street 72316-0688  Chm/CEO/Pres: Alvin Huffman, III Subsidiaries: Farmers Bank And Trust Company   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Blytheville, A R  147  E ig h tie th R e p o rt  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS First Western Bancshares, Inc. Booneville, AR P. 0 . Box 87 31 West Main 72927-0087  BHC Number: 7895 Telephone: 675-4600 FAX: 675-4690  CEO/Pres: John T. Hampton  Chm: Jeral L. Hampton Subsidiaries: Citizens Bank First Western Mortgage, Inc, First Western Properties First Western Bank and Trust Company First Western Loan Company  Booneville, Booneville, Booneville, Rogers, Greenwood,  AR AR AR AR AR  The Bradley Corporation Bradley, AR P. 0 . Box 120 Main Street 71826-0120  BHC Number: 4611 Telephone: 894-3322 FAX: 894-3324 CEO/Pres: Lane Pierce Subsidiaries: The Bank of Bradley  Bradley, AR  Brinkley Bancshares, Inc. Brinkley, AR BHC Number: 4873 Telephone: 734-3133 FAX: 734-3001 Chm/CEO: A. H. Rusher Subsidiaries: Bank of Brinkley Fred Rusher Agency, Inc.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P. 0 . Box 727 130 South New Orleans 72021-0727 Pres: Gus Rusher Brinkley, AR Brinkley, AR  A rk a n s a s S ta te Bank D epartm ent  148  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Cabot Bankshares, Inc. Cabot, AR BHC Number: 5720 Telephone: 843-3575 FAX: 843-0463  P. 0 . Box 1028 One City Plaza 72023-1028  Chm: Howell M. Thompson  CEO/Pres: James M. Park  Subsidiaries: Bank of Cabot  Cabot, AR  Sharp Bancshares, Inc. Cave City, AR BHC Number: 7420 Telephone: 283-5301 FAX: 283-6466  P. 0 . Box 490 110 Main Street 72521-0490  Chm/CEO: Eugene Street Subsidiaries: Bank of Cave City Cave City Properties, Inc. Bank of Evening Shade "As Old As Dirt, Inc."  Cave City, Cave City, Evening Shade, Evening Shade,  AR AR AR AR  American Bancshares of Arkansas, Inc. Charleston, AR BHC Number: 5587 Telephone: 965-2201 FAX: 965-2205  P. 0 . Box 128 400 East Main Street 72933-0128  Chm/CEO: Joe S. Hiatt Subsidiaries: American State Bank American State Bank Insurance Agency   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Charleston, AR Charleston, AR  149  E ig h tie th R e p o rt  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Clarendon Holding Co. Clarendon, AR BHC Number: 7059 Telephone: 747-3319 FAX: 747-3498  P. 0 . Box 280 297 Madison 72029-0280  Chm: James B, Sharp  CEO/Pres: J. Perry Lee  Subsidiaries: The Merchants and Planters Bank  Clarendon, AR  West-Ark Bancshares, Inc. Clarksville, AR BHC Number: 11044 Telephone: 754-6325 FAX: 754-7398  P. 0 . Box 100 Cravens & Sevier 72830-0100  Chm/CEO/Pres: C. W. Kelly Subsidiaries: Arkansas State Bank ASB Properties  Clarksville, AR Clarksville, AR  Evergreen Bancshares, Inc. Crossett, AR BHC Number: 8879 Telephone: 364-5131 FAX: 364-6329  P.O. Box 638 310 Main Street 71635-0638  Chm/CEO/Pres: Richard E Griffin Subsidiaries: First State Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Crossett, AR  A rk a n s a s S ta te B ank D epartm ent  150  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Chambers Bancshares, Inc. Danville, AR P. 0 . Box 609 901 Main 72833-0609  BHC Number: 9675 Telephone: 495-2236 FAX: 495-7765 Chm/CEO/Pres: John Ed Chambers, III Subsidiaries: Bank of Amity Danville State Bank U. S. Mortgage, Inc. Scott County Bank River Valley Appraisal  Amity, Danville, Little Rock, Waldron, Danville,  AR AR AR AR AR  Bank of Dardanelle Bankshares, Inc. Dardanelle, AR BHC Number: 8849 Telephone: 229-3311 FAX: 229-4180  P. 0 . Box 577 102 N. Front Street 72834-0577  Chm/CEO/Pres: Ronald L. Taylor Subsidiaries: Bank of Dardanelle  Dardanelle, AR  First National Security Company DeQueen, Arkansas BHC Number: 11272 Telephone: 642-2212 FAX: 642-7959 Chm: John H. Hendrix Subsidiaries: Bank of Ashdown, N.A. First National Bank First National Bank of Howard County Citizens National Bank Bank of Waldron   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P. 0 . Box 980 Third & Gilson 7 18 3 2-0980 CEO/Pres: Larry Mashburn Ashdown, DeQueen, Dierks, Nashville, Waldron,  AR AR AR AR AR  5!  E ig h ti e th R epo t  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS First State Bancshares, Inc. DeQueen, AR BHC Number: 12344 Telephone: 642-4423 FAX: 642-2847  P. 0 . Box 970 Third and Heynecker Streets 71832-0970  Chm: Lou Ellen Gray  CEO: Art Melson  Subsidiaries: First State Bank of DeQueen  DeQueen, AR  DBT Financial Corporation DeWitt, AR BHC Number: 9398 Telephone: 946-3531 FAX: 946-2815  P. 0 . Drawer 71 Second and Jefferson Streets 72042-0071  Chm/CEO/Pres: Elmer A. Ferguson Subsidiaries: DeWitt Bank And Trust Company First Arkansas Insurance of DeWitt  DeWitt, AR DeWitt, AR  DeWitt First Bankshares Corporation DeWitt, AR BHC Number: 7051 Telephone: 946-3551 FAX: 946-1562  P. 0 . Box 511 W. Cross and Jefferson 72042-0511  CEO/Pres: Warren A. Jennings, Sr. Subsidiaries: The First National Bank of DeWitt Bank of Lockesburg   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  DeWitt, AR Lockesburg, AR  152  A rk a n s a s S ta te Bank D epartm ent  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Decatur Bancshares, Inc. Decatur BHC Number: 11686 Telephone: 752-3281 FAX: 752-8154  P. 0 . Box 38 Hwy. 59 N. 72722-0038  Chm: Lloyd E. Peterson  CEO/Pres: Vernon L. Austin  Subsidiaries: Decatur State Bank Decatur Insurance Agency  Decatur, AR Decatur, AR  DSB Bancshares, Inc. Dermott, AR BHC Number: 10725 Telephone: 538-3266 FAX: 538-5468  P.O. Drawer C 108 East Speedway 71638-0803  Chm/CEO/Pres: John M. Baxter Subsidiaries: Dermott State Bank  Dermott, AR  Dermott Bancshares, Inc. Dermott, AR BHC Number: 9166 Telephone: 538-3221 FAX: 538-3787 Chm: R. H. Dennington Subsidiaries: First Delta Financial Corporation First Community Bank of S. E. Arkansas   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P. 0 . Drawer 0 110 East Peddicord 71638-0815 CEO/Pres: Thomas H. Grumbles Dermott, AR Dermott, AR  153  E ig h ti e th R ep ort  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Security Bancshares, Inc. Des Arc, AR P. 0 . Box 369 110 S. Third Street 72040-0369  BHC Number: 9459 Telephone: 256-4191 FAX: 256-4582 Chm: Henry L, Nichols  CEO/Pres: Sherod S. White  Subsidiaries: Farmers & Merchants Bank Merchants and Farmers Bank  Des Arc, AR West Helena, AR  Dumas Bancshares, Inc. Dumas, AR P. 0 . Box 915 Hwy 65 & 54 71639-0915  BHC Number: 5859 Telephone: 382-4204 FAX: 382-2084 Chm: Merle F, Peterson  CEO/Pres: James R. Hall  Subsidiaries: Dumas State Bank First State Bank  Dumas, AR Gould, AR  M & F Financial Corporation Dumas, AR BHC Number: 7273 Telephone: 382-4311 FAX: 382-5901  P. 0 . Box 187 130 W. Waterman 71639-0187  Chm/CEO/Pres: Loral M. Adcock  Subsidiaries: Merchants & Farmers Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Dumas, AR  Arkansas State Bank Department  154  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Earle Bankshares, Inc. Earle, AR BHC Number: 6895 Telephone: 792-8613 FAX: 735-0472 Chm: W. P."Buddy" Morrison  P. 0 . Box 248 801 Commerce Street 72331-0248 CEO/Pres: John E. Gregson  Subsidiaries: First Southern Bank  Earle, AR  First United Bancshares, Inc. El Dorado, AR P. 0 . Box 751 Main @ Washington 71730-0751  BHC Number: 4041 Telephone: 863-3181 FAX: 863-0015 Chm/CEO/Pres: James V. Kelley Subsidiaries: Commercial Bank at Alma Merchants & Planters Bank, N.A. The First National Bank of El Dorado The City National Bank of Fort Smith First National Bank of Magnolia The Bank of North Arkansas First Stuttgart Bank and Trust Company  Alma, Camden, El Dorado, Fort Smith, Magnolia, Melbourne, Stuttgart,  AR AR AR AR AR AR AR  Community Investment, Inc. Elkins, AR BHC Number: 7290 Telephone: 643-2131 FAX: 643-2651 Chm/CEO: Joel L. Bunch Subsidiaries: The Bank of Elkins   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P. 0 . Box 333 348 N. Center 72727-0333 Pres: Joyce R. Bunch Elkins, AR  E ig h ti e th Repo rt  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Delta Bancshares, Inc. Eudora, AR P. 0 . Box 270 111 N. Main 71640-0270  BHC Number: 5343 Telephone: 355-831 1 FAX: 355-8509 Chm/Pres: W K. Grubbs Subsidiaries: The Eudora Bank  Eudora, AR  FBT Bancshares, Inc. Fordyce, AR BHC Number: 6896 Telephone: 352-3107 FAX: 352-5202  200 W. 4th Street 71742-2202  Chm/CEO/Pres: Curtis Hutchins Subsidiaries: Fordyce Bank & Trust Company  Fordyce, AR  Planters & Merchants Bancshares, Inc. Gillett, AR BHC Number: 11448 Telephone: 548-2211 FAX: 548-2213 Chm: Keneth Smith  Subsidiaries: Planters & Merchants Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P. O. Box 357 320 Main 72055-0357 CEO/Pres: Larry E. Bauer  Gillett, AR  156  Arkansas State Bank Department  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Bainum Bancorp Glenwood, AR BHC Number: 10985 Telephone: 356-2121 FAX: 356-2211  P. 0 . Box 0 Broadway & Pulliam 71943-0813  Chm/CEO/Pres: Irvin C. Bainum Subsidiaries: The Bank of Glenwood  Glenwood,  a  R  Wilkinson Banking Corporation Greenwood, AR BHC Number: 11241 Telephone: 996-4171 FAX: 996-6700  P. 0 . Box 610 125 W. Center Street 72936-0610  Chm: Elizabeth Wilkinson  CEO/Pres: Edward Wilkinson  Subsidiaries: Farmers Bank  Greenwood, AR  First Delta Corporation Helena, AR BHC Number: 4384 Telephone: 338-6751 FAX: 338-7568  P. 0 . Box 160 502 Cherry Street 72342-0160  CEO/Pres: W. H. Brandon, Jr. Subsidiaries: The Delta State Bank Phillips Insurance Services, Inc. First National Bank of Phillips County First Investment Advisory Services, Inc.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Elaine, Elaine, Helena, Helena,  AR AR AR AR  r  Eightieth Report  *7  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Holly Grove Bancshares, Inc. Holly Grove, AR BHC Number: 11367 Telephone: 462-3331 FAX: 462-3992 Chm: Herd E Stone, Jr. Subsidiaries: Bank of Holly Grove  P. 0 . Box 419 510 Dr. Herd E. Stone Street 72069-0419 CEO/Pres: William R. Reynolds Holly Grove, AR  First National Bancshares of Hempstead County, Inc. Hope, AR BHC Number: 8092 Telephone: 777-2363 FAX: 777-5597  P. 0 . Box 520 Second and Walnut Streets 71801-0520  CEO/Pres: Thomas E, Hays, Jr. Subsidiaries: Bank of Blevins The First National Bank of Hope  Blevins, AR Hope, AR  Pioneer Bancshares, Inc. of Horatio, Arkansas Horatio, AR BHC Number: 9388 Telephone: 832-2501 FAX: 832-2577  P. 0 . Box 347 100 Main Street 71842-0347  Chm/CEO/Pres: Edith H. Smith  Subsidiaries: Horatio State Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Horatio, AR  158  Arkansas State Bank Department  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Smith Associated Banking Corporation Hot Springs, AR BHC Number: 5932 Telephone: 623-4292 FAX: 623-4688  1801 Central Avenue, Suite B 71901  Chm/CEO/Pres: Richard T. Smith Subsidiaries: Bank of Salem SABCO Insurance Agency The Stephens Security Bank Ouachita Properties, Inc. Stephens Insurance Agency  Salem, Salem, Stephens, Stephens, Stephens,  AR AR AR AR AR  BTS Bancshares, Inc. Huntsville, AR P. O. Box 667 Hwy. 412 West 72740-0667  BHC Number: 11986 Telephone: 738-2147 FAX: 738-1255  CEO/Pres: Tom Mathias  Chm: Sam Mathias Subsidiaries: First State Bank  Huntsville, AR  Spring Rivers Bancshares, Inc. Imboden, AR BHC Number: 10793 Telephone: 869-2291 FAX: 869-2179 Chm/CEO: Charles F. Luter Subsidiaries: Peoples Bank Peoples Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P. 0 . Box 850 Hwy 63 72434-0850 Pres: Bob J. Downing Imboden, AR Paragould, AR  15=*  E ig h ti e th R epo rt  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS First Arkansas Bancshares, inc. Jacksonville, AR BHC Number: 4212 Telephone: 982-4511 FAX: 982-5769  P. 0 . Box 827 600 West Main Street 72076-0827  Chm/CEO/Pres: Kenneth Pat Wilson Subsidiaries: First Jacksonville Bank and Trust First Jacksonville Mortgage Corporation  Jacksonville, AR Jacksonville, AR  Southwest Bancshares, Inc. Jonesboro, AR BHC Number: 11677 Telephone: 972-9093 FAX: 935-8306 Chm/CEO: Wallace W. Fowler Subsidiaries: First Bank of First Bank of First Bank of First Bank of First Bank of  P.O. Box 7500 2400 East Highland Drive 72401 Pres: Phil Jones Jonesboro, Kensett, Russellville, Trumann, Wynne,  Arkansas Arkansas Arkansas Arkansas Arkansas  AR AR AR AR AR  Southeast Arkansas Bank Corporation Lake Village, AR BHC Number: 9140 Telephone: 265-2241 FAX: 265-2125 Chm: Charles H, Weissinger, Jr. Subsidiaries: The Bank of Lake Village BLV Realty, Inc.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P. 0 . Box 727 101 Main Street 71653-0727 CEO/Pres: Terrence J. Alpe Lake Village, AR Lake Village, AR  160  Arkansas State Bank Department  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Buffalo Island Bancshares, Inc. Leachville, AR BHC Number: 10213 Telephone: 539-6354 FAX: 539-2213  P. 0 . Box 140 110 N. Main Street 7 24 38-0140  Chm/Pres: Larry Grisham Subsidiaries: Buffalo Island Bank  Leachville, AR  Peoples Bancshares, Inc. Lewisville, AR BHC Number: 10259 Telephone: 921-4244 FAX: 921-4336  P.O. Box 1100 305 Spruce 71845-1100  Chm/CEO/Pres: Charles Black Subsidiaries: Peoples Bank & Loan Co.  Lewisville, AR  Lincoln Bankshares, Inc. Lincoln, AR BHC Number: 7245 Telephone: 824-3232 FAX: 824-5703  P. 0 . Box 1000 West Side Square 7 27 44-1000  Chm/CEO/Pres: Loyd R. Swope Subsidiaries: Bank of Lincoln Lincoln Land Company, Inc. Lincoln Insurance Agency   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Lincoln, AR Lincoln, AR Lincoln, AR  161  E ig h ti e th Repo rt  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Arkansas Bankers' Bancorporation, Inc. Little Rock, AR BHC Number: 11533 Telephone: 371-0535 FAX: 376-8894  1008 West Second Street 72201-2031 CEO/Pres: Bill B. May  Chm: J. M. Park Subsidiaries: Arkansas Bankers' Bank  Little Rock, AR  Carlisle Bancshares, Inc. Little Rock, AR BHC Number: 8621 Telephone: 376-2128 FAX: 374-1968 Chm: Winthrop P. Rockefeller  300 Spring Bldg., Suite 1010 72201-2449 CEO/Pres: Barry McKuin  Subsidiaries: Grand Prairie Bancshares, Inc. Citizens Bank & Trust FirstBank of Arkansas Hazen First State Bank  Little Rock, Carlisle, Brinkley, Hazen,  AR AR AR AR  Citizens Bancshares Corporation Little Rock, AR BHC Number: 3265 Telephone: 371-0060 FAX: 375-9725  124 West Capitol, Suite 1700 72201  Chm/Pres: Herbert H. McAdams, II Subsidiaries: Citizens Bank of Jonesboro Citizens Real Estate   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Jonesboro, AR Jonesboro, AR  162  Arkansas State Bank Department  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS FDH Bancshares, Inc. Little Rock, AR BHC Number: 11270 Telephone: 378-0629 FAX: 372-5688 Chm: Robert P. Taylor  P. 0 . Box 1951 320 W. Capitol Avenue 72203-1951 CEO/Pres: Ted Davis  Subsidiaries: Citizens First Bank Citizens First Bank Citizens First Bank Harris Title & Abstract Co., Inc. Citizens First Bank Consolidated Data Services, Inc. Citizens Operations Center, Inc.  Arkadelphia, El Dorado, Fordyce, Fordyce, Little Rock, El Dorado, Little Rock,  AR AR AR AR AR AR AR  Farmers Investment Corporation Little Rock, AR BHC Number: 6754 Telephone: 661-7700 FAX: 661-7857  P. 0 . Box 7299 5800 R. Street 72217-7299  Chm/CEO/Pres: James C. East Subsidiaries: Farmers Bank and Trust Company FBT Properties Valley Mortgage Co.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Clarksville, AR Clarksville, AR Clarksville, AR  163  E ig h tie t h Repo rt  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS First Commercial Corporation Little Rock, AR BHC Number: 4192 Telephone: 371-7000 FAX: 371-7413  P. 0 . Box 1471 400 West Capital 72203-1471  Chm/CEO/Pres: Barnett Grace Subsidiaries: Clinton Bancshares, Inc Clinton State Bank Bank Properties, Inc ABT Bancshares Corporation Arkansas Bank & Trust Company Advantage Corporation Pinnacle Corporation State First Financial Corporation The First National Bank in Ashdown The First National Bank of Nashville The State First National Bank of Texarkana The Atlanta National Bank Longview National Bank Lufkin National Bank Stone Fort National Bank American National Bank of Texarkana Tyler Bank and Trust, N.A Commercial Investment Company TRH Bank Group, Inc, (50% Owner) Security National Bank & Trust Company Benton State Bank BSB Properties, inc First National Bank of Conway The Security Bank Security Properties, Inc. First Commercial Bank N.A. Financial Fleet Services, Inc First Commercial Futures Corporation First Commercial, Inc First Commercial Investments, inc, First Commercial Mortgage Company Morrilton Security Bank, N A Farmers and Merchants Bank Flight, Inc First National Bank of Russellville First Commercial Bank of Memphis, N.A, Baker & Hill First Commercial Trust Company, N.A.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Clinton, Clinton, Clinton, Hot Springs, Hot Springs, Hot Springs, Hot Springs, Texarkana, Ashdown, Nashville, Texarkana, Atlanta, Longview, Lufkin, Nacogdoches, Texarkana, Tyler, Texarkana, Norman, Norman, Benton, Benton, Conway, Harrison, Harrison, Little Rock, Little Rock, Little Rock, Little Rock, Little Rock, Little Rock, Morrilton, Rogers, Rogers, Russellville, Memphis, Little Rock, Little Rock,  AR AR AR AR AR AR AR AR AR AR AR TX TX TX TX TX TX AR OK OK AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR TN AR AR  164  Arkansas State Bank Department  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS First Community Banking Corporation Little Rock, AR BHC Number: 8065 Telephone: 376-2128 FAX: 374-1968  300 Spring Building,Suite 1010 72201-2449  Chm: G. R. Mosley  CEO/Pres: Daniel C. Horton  Subsidiaries: Caddo Holding Company, Inc. Caddo First National Bank Junction City Holding Company First Bank of South Arkansas The First National Bank in Mena The Bank of Montgomery County  Glenwood, Glenwood, Little Rock, Junction City, Mena, Mount Ida,  AR AR AR AR AR AR  Lake Hamilton Enterprises, Inc. Little Rock, AR BHC Number: 1191 Telephone: 562-3894 FAX: 562-2611  P. 0 . Box 4261 7000 Asher Avenue 72204-4261  Chm/CEO/Pres: R. W. Butler Subsidiaries: The Bank of Harrisburg The Cleburne County Bank  Harrisburg, AR Heber Springs, AR  Madison Corporation Little Rock, AR BHC Number: 9793 Telephone: 680-0576 FAX: 663-7229  1008 West Second Street 72201-2031  Chm/CEO/Pres: Roland Willshire Subsidiaries: Madison Bank and Trust   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Kingston, AR  165  E ig h ti e th Repo '*  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS P & W Bancshares, Inc. Little Rock, AR P. 0 . Box 1583 1601 Main Street 72203-1583  BHC Number: 1 1 798 Telephone: 374-7777 FAX: 374-2079 Chm; Robert M. Wilson  CEO/Pres: George Pitts, Jr.  Subsidiaries: Central Bank & Trust Central Mortgage Corp  Little Rock, AR Little Rock, AR  Pulaski Investment Corporation Little Rock, AR P. 0 . Box 7299 5800 R Street 72217-7299  BHC Number: 2109 Telephone: 66V-7700 FAX: 661-7857 Chm/CEO/Pres: James C. East Subsidiaries: Pulaski Bank And Trust Company Northwest Title Services Inc. Directors Properties. Inc. Lenders Title Company Pulaski Building, Inc Pulaski Capital Markets, Inc Pulaski Mortgage Company Pulaski Mortgage Services, Inc.  Little Rock, Fayetteville, Little Rock, Little Rock, Little Rock, Little Rock, Little Rock, Little Rock,  AR AR AR AR AR AR AR AR  State Holding Company Little Rock, AR BHC Number. 781 0 Telephone 663-2453 FAX: 666-3420 Chm: Harrv L Hastmgs, Jr Subsidiaries: Heber Springs State Bank Eagle Development Company North Eagle Bank & Trust Company Eagle Development Company South   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P. 0 . Box 22120 1000 S. Rodney Parham 72221-2120 CEO/Pres: Catherine H. Owen Heber Springs, Heber Springs, Little Rock, Little Rock,  AR AR AR AR  166  Arkansas State Bank Department  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Worthen Banking Corporation Little Rock, AR BHC Number: 123 Telephone: 378-1521 FAX: 378-1506  P. 0 . Box 1681 200 W. Capital Avenue 72203-1681  Chm/CEO: Curtis E. Bradbury  Pres/COO: Jim Farmer  Subsidiaries: Worthen National Bank of Batesville Worthen National Bank of South Arkansas Worthen National Bank of Conway Worthen National Bank of Northwest Arkansas Worthen National Bank of Harrison Worthen National Bank of Hot Springs Worthen National Bank of Arkansas Worthen National Bank of Newark Worthen National Bank of Pine Bluff Worthen National Bank of Russellville Worthen National Bank of Texas WHS Appraisal Corp. Consumers Protective Life Insurance Company National Credit Corporation U. N. Service Corporation Union Modern Mortgage Company Worthen Development Corporation Worthen Financial Corporation Worthen Investments, Inc. Worthen Mortgage Company Worthen Services Corporation Worthen Trust Company, Inc., N. A.  Batesville, Camden, Conway, Fayetteville, Harrison, Hot Springs, Little Rock, Newark, Pine Bluff, Russellville, Austin, Hot Springs, Little Rock, Little Rock, Little Rock, Little Rock, Little Rock, Little Rock, Little Rock, Little Rock, Little Rock, Little Rock,  AR AR AR AR AR AR AR AR AR AR TX AR AR AR AR AR AR AR AR AR AR AR  Lonoke Bancshares, Inc. Lonoke, AR BHC Number: 11479 Telephone: 676-3106 FAX: 676-5046 Chm: Neil Bennett, Sr. Subsidiaries: First State Bank First State Land Company, Inc.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P. 0 . Box 320 101 S. Center Street 72086-0320 CEO/Pres: David R. Estes Lonoke, AR Lonoke, AR  16 7  E ig h tie t h R epo rt  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Magnolia Banking Corporation Magnolia, AR P. 0 . Box 250 200 East Main Street 71753-0250  BHC Number: 8951 Telephone: 235-7000 FAX: 235-7010 Chm/CEO/Pres: Bob L. Burns Subsidiaries: Farmers Bank and Trust Company Magnolia Properties, Inc.  Magnolia, AR Magnolia, AR  Mansfield Bankstock, Inc. Mansfield, AR BHC Number: 7877 Telephone: 928-4418 FAX: 928-5149 Chm: J Michael Shaw  P. 0 . Box 387 101 S. Sebascott 72944-0387 CEO/Pres: Joseph A. Terry  Subsidiaries: Bank of Mansfield  Mansfield, AR  First Citizens Bancshares Company Marion, AR BHC Number: 7966 Telephone: 739-4421 FAX: 739-1305 Chm/CEO: Forrest N Jenkins Subsidiaries: Citizens Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P. 0 . Box 300 11 5 Block Street 72364-0300 Pres: Joe Taylor, III Marion, AR  168  Arkansas State Bank Department  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Marked Tree Bancshares, Inc. Marked Tree, AR BHC Number: 8998 Telephone: 358-2600 FAX: 358-4210  P. 0 . Box 160 210 Frisco Street 7 23 65-0160  Chm: E. Ritter Arnold  CEO/Pres: John A. Brunner, Jr.  Subsidiaries: Marked Tree Bank  Marked Tree, AR  M. D. Thompson & Son Co. McCrory, AR BHC Number: 1195 Telephone: 731-2526 FAX: 731-2859  P. 0 . Box 388 105 S. Edmonds Avenue 72101-0388  CEO/Pres: John G. Thompson Subsidiaries: Bank of McCrory  McCrory, AR  Southeast Financial Bankstock Corporation McGehee, AR BHC Number: 4372 Telephone: 222-3151 FAX: 222-6159  P. 0 . Box 787 301 N. 2nd 71654-0787  CEO/Pres: Sam Bowman Subsidiaries: McGehee Bank McGehee Realty Smith Abstract   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  McGehee, AR McGehee, AR McGehee, AR  ' 69  ^ •g h t i e t h R ep or  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Union Bankshares, Inc. Mena, AR P. 0 . Box 898 515 Janssen Avenue 71953-0898  BHC Number: 7540 Telephone: 394-221 1 FAX: 394-3809  CEO/Pres: Bill R. Philpot  Chm: Edward W. Stevenson Subsidiaries: The Union Bank of Mena  Mena, AR  MSB Shares, Inc. Monette, AR P. O. Box 750 302 W. Drew 72447-0750  BHC Number: 1 2027 Telephone: 486-5493 FAX: 486-2250  CEO/Pres: Revis G. Stewart  Chm: Carolyn Frierson Subsidiaries: MidSouth Bank  Monette, AR  Drew Bancshares, Inc. Monticello, AR BHC Number: 6128 Telephone: 367-6221 FAX: 367-7700 Chm: Virginia M. Ryburn Subsidiaries: Commercial Bank & Trust Company   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P. O. Box 150 212 W. Gaines 71655-0150 CEO/Pres: Reginald Glover Monticello, AR  170  Arkansas State Bank Department  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS First Union Financial Corporation Monticello, AR BHC Number: 6762 Telephone: 367-3453 FAX: 490-6464 Chm: Zach McClendon, Jr.  P. 0 . Box 270 102 W. McCloy 71655-0270 CEO/Pres: James P. Jett  Subsidiaries: Union Bank And Trust Company  Monticello, AR  Pine State Bancshares, Inc. Monticello, AR BHC Number: 12060 Telephone: 367-3580 FAX: None Chm: M. Don Smith  P. 0 . Box 418 101 N. Main 71655-0418 CEO/Pres: James W. Searcy  Subsidiaries: Pine State Bank  Kingsland, AR  Baxter County Bancshares, Inc. Mountain Home, AR BHC Number: 11012 Telephone: 425-2166 FAX: None  P. 0 . Drawer B 9th & Baker Street 72653-0458  CEO/Pres: D. Eugene Fortson Subsidiaries: Peoples Bank And Trust Company Peoples Real Estate Management, Inc.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Mountain Home, AR Mountain Home, AR  Eightieth Report  171  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Acme Holding Company, Inc. Mulberry, AR P. 0 . Drawer A 311 Main Street 72947-0480  BHC Number; 9566 Telephone: 977-1154 FAX: 997-1161 Chm/CEO/Pres: Lex Golden Subsidiaries: Bank of Mulberry General Enterprises Company  Mulberry, AR Mulberry, AR  Bainum Bancorp II Murfreesboro, AR BHC Number: 11306 Telephone: 285-2172 FAX: 285-3335  P. 0 . Box 279 101 N. Washington 71958-0279  Chm/CEO/Pres: Irvin C. Bainum Subsidiaries: Pike County Bank Pike County Insurance Agency  Murfreesboro, AR Murfreesboro, AR  M & P Community Bancshares, Inc. Newport, AR BHC Number: 11282 Telephone: 523-3601 FAX: 523-3473  P. 0 . Box 550 Second and Hazel Streets 72112-0550  Chm/CEO/Pres: Jim S. Gowen, Sr. Subsidiaries: Greers Ferry Lake State Bank Merchants & Planters Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Heber Springs, AR Newport, AR  172  Arkansas State Bank Department  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS First Charter Bancshares, Inc. North Little Rock, AR BHC Number: 8041 Telephone: 771-1130 FAX: 758-7863  3901 McCain Park Drive 72116-7878  CEO/Pres: Lyndell Lay Subsidiaries: Charter State Bank Charter Mortgage & Investments, Inc.  Beebe, AR North Little Rock, AR  TCBankshares, Inc. North Little Rock, AR BHC Number: 6413 Telephone: 688-1000 FAX: 688-1095  P. 0 . Box 5581 #1 Riverfront Place 72119-5581  Chm: Frank Lyon, Jr.  CEO/Pres: T. E. Renaud  Subsidiaries: TCB The Community Bank of Arkansas, N.A. 1st Ozark National Bank First National Bank of Cleburne County The First National Bank of Conway County The Twin City Bank First National Bank of Crawford County  Batesville, Flippin, Heber Springs, Morrilton, North Little Rock, Van Buren,  AR AR AR AR AR AR  Ozark Bankshares, Inc. Ozark, AR BHC Number: 4780 Telephone: 667-2181 FAX: 667-5166  P. 0 . Box 196 Commercial at Sixth 72949-0196  Chm/CEO: George G. Gleason, II Subsidiaries: Bankstock One, Inc. Bank of Ozark Newco Corporation Newton County Bank Ozark Commercial Corporation Ozark Financial Services  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Ozark, Ozark, Ozark, Jasper, Ozark, Ozark,  AR AR AR AR AR AR  173  Eightieth Report  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS First Paragould Bankshares, Inc. Paragould, AR P. 0 . Box 700 Second and Court Streets 72451-0700  BHC Number: 7509 Telephone: 239-8521 FAX: 239-2265  CEO/Pres: William E. Brewer  Chm: Larry Brewe Subsidiaries Corning Bank First National Bank First Services of Northeast AR, Inc.  Corning, AR Paragould, AR Paragould, AR  Mid South Bancshares, Inc. Paragould, AR P. 0 . Box 670 West Court & Pruett Street 72450-0670  BHC Number: 8419 Telephone: 239-9571 FAX: 239-3194 Chm/CEO/Pres: Steve Gramling Subsidiaries: Security Bank Security Real Estate, Inc. Farmers and Merchants Bank Farmers and Merchants Development Corp.  Paragould, Paragould, Reyno, Reyno,  AR AR AR AR  Parkin Bancorp, Inc. Parkin, AR BHC Number: 9786 Telephone: 755-5401 FAX: 755-2567  P. 0 . Box 526 25 W. Parkin Avenue 72373-0526  CEO/Pres: William N Griffin Subsidiaries: First State Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Parkin, AR  174  Arkansas State Bank Department  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Perry County Bancshares, Inc. Perryville, AR BHC Number: 9332 Telephone: 889-2318 FAX: 889-2966  P. 0 . Box 189 Hwy 10 72126-0189  CEO/Pres: Robert M. Hill Subsidiaries: The Perry County Bank  Perryville, AR  Piggott Bankstock, Inc. Piggott, AR BHC Number: 6242 Telephone: 598-3802 FAX: 598-2026  P. 0 . Box 307 212 W. Cherry Street 72454-0307  Chm/CEO/Pres: Paula 0 . Blackwell Subsidiaries: Piggott State Bank  Piggott, AR  Simmons First National Corporation Pine Bluff, AR BHC Number: 1190 Telephone: 541-1000 FAX: 541-1123 Chm: W. E. Ayres Subsidiaries: Simmons First Bank of Jonesboro Simmons First Bank of Lake Village Simmons First National Bank of Pine Bluff Arkansas Fund Simmons First Mortgage Co.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P. O. Box 7009 501 Main Street 71611-7009 CEO/Pres: J. Thomas May Jonesboro, Lake Village, Pine Bluff, Pine Bluff, Little Rock,  AR AR AR AR AR  175  Eightieth Report  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Clement Bancshares, Inc. Plainview, AR P. 0 . Box 277 200 Main Street 72857-0277  BHC Number: 4074 Telephone: 272-4221 FAX: 272-4154 Chm/CEO/Pres: John Clement Subsidiaries: First State Bank Nimrod Real Estate, Inc.  Plainview, AR Plainview, AR  Pocahontas Bankstock, Inc. Pocahontas, AR BHC Number: 11700 Telephone: 892-5286 FAX: 892-8381  P. 0 . Box 467 101 Broadway 72455-0467  CEO/Pres: John R. Jackson, Jr. Subsidiaries: Bank of Pocahontas  Pocahontas, AR  Walden Holding Company Pocahontas, AR BHC Number: 11441 Telephone: 892-5252 FAX: 892-8251  P. 0 . Box 587 205 Rice Street 72455-0587  Chm/CEO/Pres: Frank E. Walden  Subsidiaries: Planters & Stockmen Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Pocahontas, AR  176  Arkansas State Bank Department  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Mainline Bankshares of Portland, Inc. Portland, AR BHC Number: 8614 Telephone: 737-2236 FAX: 737-2816  P. 0 . Box 178 Main Street 71663-0178  Chm: Hampton Pugh  CEO/Pres: Tipton Pugh  Subsidiaries: The Peoples Bank The Peoples Bank Insurance Agency  Portland, AR Portland, AR  Portland Bankshares, Inc. Portland, AR BHC Number: 9641 Telephone: 737-2226 FAX: 737-4263  P. O. Box 68 Main Street 71663-0068  Chm: Robert D. Pugh  CEO/Pres: Jerry D. Sadler  Subsidiaries: Portland Bank  Portland, AR  First State Holding Company of Prescott Prescott, AR BHC Number: 4108 Telephone: 887-2688 FAX: 887-6822  P. 0 . Box 490 103 E. 2nd at Main 7 18 5 7-0490  CEO/Pres: John Warren Brannan, Sr. Subsidiaries: Bank of Prescott   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Prescott, AR  177  Eightieth Report  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS First Security Bancorp Searcy, AR BHC Number: 4154 Telephone: 279-3400 FAX: 279-3455  P. 0 . Box 1009 314 North Spring 72143-1009  CEO/Pres: Reynie Rutledge Subsidiaries: Citizens Bank First Security Bank First Security Investment Advisors  Beebe, AR Searcy, AR Searcy, AR  Smackover Bancshares, inc. Smackover, AR P. 0 . Box 107 /0 8 North Broadway 71762-0107  BHC Number: 6166 Telephone: 725-3051 FAX: 725-3049 Chm/CEO: Max 0 Taylor Subsidiaries: Smackover State Bank  Pres: Bob Willett Smackover, AR  Sparkman Bancshares, Inc. Sparkman, AR BHC Number: 12620 Telephone: 678-2251 FAX: 678-2401  P. 0 . Box 127 Main and Commerce 71763-0127  CEO/Pres; Tyrol G Carson Subsidiaries: Merchants & Planters Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Sparkman, AR  178  Arkansas State Bank Department  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Star City Bancshares, Inc. Star City, AR BHC Number: 8507 Telephone: 628-4286 FAX: 628-5274  P. 0 . Drawer 69 200 S. Jefferson 71667-0069  Chm/CEO/Pres: Bennie F. Ryburn, Jr. Subsidiaries: Bank of Star City  Star City, AR  The Farmers and Merchants Bankshares, Inc. Stuttgart, AR BHC Number: 7425 Telephone: 673-6911 FAX: 673-6918 Chm: Roy O. McCollum, III  P. 0 . Drawer 947 708 S. Main 72160-0947 CEO/Pres: Don Pattillo  Subsidiaries: The Farmers and Merchants Bank  Stuttgart, AR  Rainbow Investment Company, Inc. Tuckerman, AR BHC Number: 10219 Telephone: 349-5155 FAX: 349-5170  P. 0 . Box 1000 Main Street 72473  Chm/CEO/Pres: Lindley V. Smith, Jr. Subsidiaries: Bank of Tuckerman   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Tuckerman, AR  179  E ig h tie t h R ep ort  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Tyronza Bancshares, Inc. Tyronza, AR P. 0 . Box 395 Main and Oak Streets 72386-0395  BHC Number: 9474 Telephone: 487-2161 FAX: 487-2069  CEO/Pres: Harry J. Webb, Jr.  Chm: George E. Beley Subsidiaries: First Delta Bank First Delta Bank Insurances Services, Inc.  Tyronza, AR Marked Tree, AR  Vista Bancorporation Van Buren, AR BHC Number: 10813 Telephone: 474-1201 FAX: 474-4630  P. 0 . Box 469 3110 Alma Highway 72956-0469  Chm/CEO/Pres: James G. Williamson, Jr. Subsidiaries: Citizens Bank & Trust Company PMF, Inc  Van Buren, AR Van Buren, AR  Golden Oaks Bancshares, Inc. Waldo, AR BHC Number: 6568 Telephone: 693-5551 PAX: 693-5552  P. O. Box 426 101 Main Street 71770-0426  CEO/Pres: Harold H Fincher  Subsidiaries. T h e Peoples Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Waldo, AR  Arkansas State Bank Department  180  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Bradley Bancshares, Inc. Warren, AR BHC Number: 5515 Telephone: 226-2601 FAX: 226-2253 Chm: Virginia M. Ryburn  P. 0 . Box 29 104 South Main Street 71671-0029 CEO/Pres: Freddie M. Mobley  Subsidiaries: First State Bank of Warren  Warren, AR  Bancshares of West Memphis, Inc. W est Memphis, AR BHC Number: 7168 Telephone: 732-8000 FAX: 735-0849 Chm: George H. Dunklin  P. O. Box 2128 626 East Broadway 72303-2128 CEO/Pres: Jack K. Hogan  Subsidiaries: Bank of West Memphis  West Memphis, AR  Cross County Bancshares, Inc. Wynne, AR BHC Number: 8492 Telephone: 238-8171 FAX: 238-4052 Chm: Willard G. Burks, M. D.  Subsidiaries: Cross County Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P. 0 . Box 9 1 Cross County Plaza 72396-0009 CEO/Pres: Ken McClanahan  Wynne, AR  fcsghtterh Repo rt  \  8  ’'.  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Mountain Bancshares, Inc. Yellville, AR BHC Number: 6304 Telephone: 449-4231 FAX: 449-4866  P. O. Box 325 Madison and Church 72687-0325  CEO/Pres: Judy R Loving Subsidiaries: The Bank of Yellville Bank of Yellville Real Estate investment and Development Corporation Financial Institution Services, Inc. (20% Owner)  Yellville, AR Yellville, AR Green Forest, AR  Citizens Holding Company Muskogee, OK BHC Number: 4606 Telephone: 683-6611 FAX: 684-6466 Chm: L. F. Rooney, III Subsidiaries: Citizens Bank of Northwest Arkansas Big Bear, Inc. Citizens National Bank & Trust   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  P. 0 . Box 1967 Broadway at Fourth 74402-1967 CEO/Pres: Richard K. Black Fayetteville, AR Fayetteville, AR Muskogee, OK  182  Arkansas State Bank Department  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Union Planters Corporation Memphis, Tennessee BHC Number: 247 Telephone: 383-6000 FAX: 383-2939  P. 0 . Box 387 7130 Goodlett Farms Parkway 38147-0387  Chm/CEO: Benjamin W. Rawlins, Jr. Subsidiaries: North Arkansas Bancshares, Inc. First National Bank Mercantile Bank Mercantile Bank Mercantile Bank Searcy County Bank First State Bank The Bank of Rector Bank of Weiner Mid-South Bancorp, Inc. Simpson County Bank The Peoples Bank of Elk Valley General Trust Company Southeastern Bancshares, Inc. DeKalb County Bank & Trust Company First Financial Services, Inc. First State Bank First State Leasing, Inc. Garrett Bancshares, Inc. Bank of Goodlettsville Central State Bancorp, Inc. Central State Bank Liberty Bancshares, Inc. Liberty Federal Savings Bank Northwest Tennessee Service Corporation First National Bancorp of Shelbyville First National Bank of Shelbyville First State Bancshares, Inc. First State Bank of Fayette County Steiner Bank Guardian Realty Company Planters Life Insurance United Southern Bank First National Bank Pickett County Bank and Trust Company Union Planters Bank of Chattanooga, N.A. Anderson County Bank Citizens Bank First National Bank of Crossville Cumberland City Bank  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Jonesboro, AR Clinton, AR Hardy, AR Jonesboro, AR Mammoth Spring, AR Marshall, AR Newport, AR Rector, AR Weiner, AR Franklin, KY Franklin, KY Fayetteville, TN Nashville, TN Alexandria, TN Alexandria, TN Brownsville, TN Brownsville, TN Brownsville, TN Goodlettsville, TN Goodlettsville, TN Lexington, TN Lexington, TN Paris, TN Paris, TN Paris, TN Shelbyville, TN Shelbyville, TN Somerville, TN Somerville, TN Birmingham, AL Birmingham, AL Memphis, TN Clarksdale, MS New Albany, MS Byrdstown, TN Chattanooga, TN Clinton, TN Cookeville, TN Crossville, TN Cumberland, TN  183  E i g h ti e th R epo rt  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Union Planters Corporation Memphis, Tennessee (Continued) Savetrust Federal Savings Bank First Service Corporation Erin Bank & Trust Company Bank of Roane County First Citizens Bank of Hohenwald Union Planters Bank of West Tennessee Union Planters Bank of Jackson, N.A. Union Planters Bank of East Tennessee, N.A. Security Trust Federal Savings and Loan Association Commerce Capital Corporation S. T. Service Corporation First Cumberland Bank First Federal Savings Bank of Maryville, TN Foothills Financial Services Union Planters National Bank Chickasaw Capital Corporation Investment Group Mortgage Corporation Bank of East Tennessee Southeastern Credit Life Insurance Agency Union Planters Bank of Middle Tennessee, N.A. Farmers Union Bank Bank of Trenton and Trust Company Fairless Hinton and Harbert, Inc. Citizens Bank & Trust Company Bank of Commerce Bancom Services, Inc. Union Planters Investment Bankers Corporation UMIC, Inc. UMIC Securities Corporation Union Planters Investment Bankers Group, Inc. Southwestern Investment Company (29% Owner) Union Planters-Great American Acquisition Corporation   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Dyersburg, TN Dyersburg, TN Erin, TN Harriman,TN Howenwald, TN Humbolt, TN Jackson, TN Knoxville, TN Knoxville, TN Knoxville, TN Knoxville, TN Madison, TN Maryville, TN Maryville, TN Memphis, TN Memphis, TN Memphis, TN Morristown, TN Knoxville, TN Nashville, TN Ripley, TN Trenton, TN Trenton, TN Wartburg, TN Woodbury, TN Woodbury, TN Cordova, TN Memphis, TN Memphis, TN Memphis, TN Memphis, TN Memphis, TN  Arkansas State Bank Department  184  BANK HOLDING COMPANIES WHICH OWN ONLY NATIONAL BANKS JUNE 30, 1994 First Sharp County Bancshares, Inc. Siloam Springs Bancshares, Inc. First Delta Bankshares, Inc. Wyatt Bancshares, Inc. Ashley Bancstock Company NBC Bank Corporation Bancshares of Eastern Arkansas, Inc. First Bank Corp. First Merchants Financial Corporation Caddo Holding Company, Inc. Helena Bancshares, Inc. Citizens National Bancshares of Hope, Inc. Lakeside Bancshares, Inc. First Paris Holding Company Rogers Bancshares, Inc. Metropolitan National Bancshares, Inc. MNB Bancshares, Inc. Lee County Bancshares, Inc. Mountain Home Bancshares, Inc. National Banking Corp. First Bancshares of Northeast Arkansas, Inc. First Central Corporation Financial Investment Corp. Commercial Bancshares, Inc. State First Financial Corp. Carlson Bancshares, Inc. First Bancshares of Eastern Arkansas, Inc. First National Corporation of Wynne   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Ash Flat, Bentonville, Blytheville, Calico Rock, Crossett, El Dorado, Forrest City, Fort Smith, Fort Smith, Glenwood, Helena, Hope, Hughes, Little Rock, Little Rock, Little Rock, Malvern, Marianna, Mountain Home, North Little Rock, Osceola, Searcy, Springdale, Texarkana, Texarkana, West Memphis, West Memphis, Wynne,  AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  E ig h tie t h R e p o rt  ABBREVIATIONS  Chm: CEO: VChm: Pres: EVP: SVP: CFO: COO: VP: Cash: Cont: AVP: Aud: TO: Treas: Sec: Asst: Dpty: M kt: Oper:  Chairman of the Board Chief Executive Officer Vice Chairman President Executive Vice President Senior Vice President Chief Financial Officer Chief Operating Office Vice President Cashier Controller Assistant Vice President Auditor Trust Officer Treasurer Secretary Assistant Deputy Marketing Operations  185