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REPORT OF THE BANK COMMISSIONER OF ARKANSAS 2003 MIKE HUCKABEE Governor ROBERT H. “BUNNY” ADCOCK, JR. Bank Commissioner Eighty-Ninth Report EIGHTY-NINTH ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2003 Eighty-Ninth Report STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2003 Honorable Mike Huckabee Governor of Arkansas Little Rock, Arkansas Governor Huckabee: It is indeed with great sadness that I am submitting this report on behalf of my predecessor, Frank White. Frank served the State Bank Department with distinction and honor for the past five years. His accomplishments at the Department were many. I speak for the entire banking community when I say Frank is sorely missed. The financial services industry continues to undergo change. Arkansas state chartered banks and trust companies continue to successfully meet the challenges of change and offer excellent financial services to the public. The State Bank Department maintains a Strategic Plan, which the Department’s employees develop on an annual basis. The mission of the State Bank Department is to allocate available human and other resources existing in our Examination, Information Technology and Administrative Services Divisions to ensure the continuance of safe and sound financial practices in state chartered financial institutions. We thank you for the support you and your staff provide and assure you of our continuing efforts to maintain the highest level of professionalism in the performance of our responsibilities. Cordially, Bunny Adcock Bank Commissioner Eighty-Ninth Report TABLE OF CONTENTS Legal Holidays............................................................................................................................................2 Commissioners of The Bank Department ..................................................................................................3 State Banking Board ..................................................................................................................................4 Departmental Roster ..................................................................................................................................5 State Chartered Banks’ Corporate Name Changes/ Relocations and Charter Conversions.....................................................................................................9 State Chartered Banks Merged................................................................................................................10 New Branches Approved .........................................................................................................................11 Subchapter S Corporation Banks.............................................................................................................14 Fiscal Report of The Bank Department ....................................................................................................15 Federal Supervisory Agencies .................................................................................................................16 Trade Associations...................................................................................................................................20 Consolidated Report of Condition Data State Chartered Banks ..........................................................................................................................24 Consolidated Statement of State Chartered Trust Departments ......................................................................................................25 Consolidated Report of Condition Data National Banks ......................................................................................................................................26 Tier One Leverage Ratios For All Arkansas Commercial Banks ................................................................................................................27 National Banks .........................................................................................................................................32 Report of State Chartered Commercial Banks.........................................................................................33 Report of State Chartered Non-Profit Organization..................................................................................99 Report of State Chartered Trust Companies..........................................................................................101 Report of Regional/County Industrial Development Corporations..........................................................103 Commercial Banks Listed by County .....................................................................................................107 Map of Arkansas Counties ..................................................................................................................... 113 Arkansas Bank Holding Companies.......................................................................................................115 Out of State Bank Holding Companies...................................................................................................155 Abbreviations..........................................................................................................................................157 2 Arkansas State Bank Department LEGAL HOLIDAYS New Year's Day......................................................................................... January 1 Robert E. Lee's Birthday ................................................... Third Monday in January Martin Luther King, Jr. Day ............................................... Third Monday in January Presidents Day .................................................................Third Monday in February Memorial Day ............................................................................Last Monday in May Independence Day ...........................................................................................July 4 Labor Day ...................................................................... First Monday in September Veterans Day....................................................................................... November 11 Thanksgiving Day......................................................Fourth Thursday in November Christmas Eve ..................................................................................... December 24 Christmas Day..................................................................................... 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. Eighty-Ninth Report 3 COMMISSIONERS OF THE ARKANSAS STATE BANK DEPARTMENT Date of Appointment Date Service Ended No. Name 1. John M. Davis.............................. October 6, 1913 October 3, 1918 2. A. J. Reap .................................... October 3, 1918 March 22, 1919 3. W. T. Maxwell ............................... March 22, 1919 September 1, 1921 4. Charles McKee........................September 1, 1921 July 28, 1925 5. Loid Rainwater.................................. July 28, 1925 February 8, 1927 6. Walter E. Taylor.......................... February 8, 1927 January 10, 1933 7. Marion Wasson ..........................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 ................................... February 1, 1949 December 31, 1949 11. Ed. I. McKinley, Jr. ................ December 31, 1949 March 14, 1953 12. A. R. Merritt................................... March 14, 1953 February 8, 1955 13. Dick Simpson.............................. February 8, 1955 March 2, 1967 14. H. C. Adams ................................... March 3, 1967 March 16, 1979 15. Don R. Clark (Acting) ................... March 16, 1979 April 19, 1979 16. B. J. Lambert, Jr. ............................. April 19, 1979 April 15, 1983 17. Marlin D. Jackson............................ April 15, 1983 October 1, 1987 18. Bill J. Ford.................................... October 1, 1987 July 31, 1998 19. Frank White ................................... August 1, 1998 May 21, 2003 20. Bunny Adcock .................................June 23, 2003 ............ Arkansas State Bank Department 4 STATE BANKING BOARD MEMBERS Mr. David L. Bartlett Chairman Alliance Bank of Hot Springs P.O. Box 22000 Hot Springs, AR 71913 VOICE: (501) 318-1001 FAX: (501) 318-1015 TERM EXPIRES: 12-31-04 Mr. Gus Rusher Vice Chairman Bank of Brinkley P.O. Box 727 Brinkley, AR 72021-0727 VOICE: (870) 734-3133 FAX: (870) 734-3001 TERM EXPIRES: 12-31-05 Mr. Charles Mazander P.O. Box 945 Benton, AR 72018-0945 VOICE: (501) 847-3030 FAX: (501) 847-4409 TERM EXPIRES: 12-31-06 Mr. David Short Arvest Bank P.O. Box 1229 Bentonville, AR 72712 VOICE: (479) 273-3331 FAX: (479) 271-1315 TERM EXPIRES: 12-31-08 Ms. Margie Russ 1505 Harper Street Magnolia, AR 71753 VOICE: (870) 234-6291 TERM EXPIRES: 12-31-03 Eighty-Ninth Report Arkansas State Bank Department 400 Hardin Road, Suite 100 Little Rock, AR 72211-3502 VOICE: (501) 324-9019 FAX: (501) 324-9028 http://www.accessarkansas.org/bank DEPARTMENTAL ROSTER Bunny Adcock - Bank Commissioner Don R. Clark - Deputy Bank Commissioner Examination and Regulation Regulatory Enforcement Actions Consumer Complaints State Banking Board Economic Development Candace A. Franks - Deputy Bank Commissioner/Legal Counsel Administration Application Information Rules and Regulations Manual Charter Amendments and Charter Information Certificates of Good Standing Legal Filings and Inquiries EXAMINATION AND 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 Richard D. Buzbee - Regional Supervisor (Little Rock) Robert H. Carr, III - Information Systems Supervisor Michael Saunders - Regional Supervisor (Fayetteville) H. Wilks Marshall - Assistant Chief Examiner Carolyn J. Bearden - Bank Holding Company Supervisor Baker L. Moseley - Regional Supervisor (Jonesboro) Thomas M. Narrell - Trust/Compliance Supervisor Jacqueline Williams - Financial Analyst Supervisor Richard Plotkin - Financial Analyst Gregg Qualls - Financial Analyst Self Examination Bank Reports of Condition and Income Bank Holding Company Reports of Condition and Income Research and Financial Analysis Public Information Requests Application Analysis 5 Arkansas State Bank Department 6 Janet Griebel - Director of Training Training/Orientation/Education Administrative Support Quality Management INFORMATION TECHNOLOGY Robert L. Hughes - Director Mitch L. Vire - Sr. Systems Programmer Greg F. Langley - Sr. Systems Programmer Data Processing Support Research and Development Application Programming ADMINISTRATION DIVISION Gail Green - Fiscal Manager Jacklyn B. Grobmyer - Accounting Service Representative Il Vicki A. Wise - Accounting Service Representative Il Accounting and Employee Services Expense Disbursement Budget and Personnel Performance Evaluation Purchasing Cynthia L. Nixon - Management Project Analyst Supervisor Lori A. Farr - Administrative Assistant III Jane R. English - Administrative Assistant II Barbara A. Mahoney - Administrative Assistant II Martha A. Harris - Administrative Assistant Il Marilyn R. Myers - Administrative Assistant II Administrative Support Examination Support and Processing Data Entry Eighty-Ninth Report EXAMINATION PERSONNEL FAYETTEVILLE OFFICE 2013 Green Acres Road 72703-2618 P. O. Box 3447 72702-3447 VOICE: (501) 442-0936 FAX: (501) 442-0717 Fayetteville@banking.state.ar.us Michael Saunders - Regional Supervisor Luke B. Webre - Commissioned Senior Examiner Kelly Shewmaker - Bank Senior Examiner Joseph M. Payne - Bank Senior Examiner Kevin Adams - Financial Examiner lI Kevin Williams - Financial Examiner lI Charles Moneymaker - Financial Examiner lI Trey Gage - Financial Examiner I Jared Manatt – Financial Examiner Trainee JONESBORO OFFICE 924 South Main 72401-3597 P. O. Box 9374 72403-9374 VOICE: (870) 972-1744 FAX: (870) 972-1762 Jonesboro@banking.state.ar.us Baker L. Moseley - Regional Supervisor William R. Milum - Bank Senior Examiner Gary W. Bush - Commissioned Senior Examiner Misty Micenhamer - Commissioned Senior Examiner John Householder - Commissioned Senior Examiner John W. Alderson – Bank Senior Examiner Trent H. Brown - Financial Examiner lI Shaun Perkins - Financial Examiner I Chris Dillon – Financial Examiner Trainee 7 8 Arkansas State Bank Department LITTLE ROCK OFFICE Richard D. Buzbee - Regional Supervisor Jerry C. Corrothers - Commissioned Senior Examiner Robert M. Henry - Commissioned Senior Examiner Susannah Thomas - Commissioned Senior Examiner Michael Green – Bank Senior Examiner Jamie A. Bazarow - Bank Senior Examiner Cara Lank - Bank Senior Examiner Kevin C. Mosley - Bank Senior Examiner Trey Clark - Financial Examiner lI Thomas Cook - Financial Examiner lI Carey Sharp - Financial Examiner lI Shanna Raper – Financial Examiner Trainee Craig Mobley – Financial Examiner Trainee BANK HOLDING COMPANY Carolyn J. Bearden − BHC Supervisor Mary C. Pennebaker – Commissioned Senior Examiner John W. Ashby – Commissioned Senior Examiner TRUST/COMPLIANCE Thomas M. Narrell - Trust/Compliance Supervisor Jason E. Willard - Commissioned Senior Examiner Jessica Wallace – Bank Senior Examiner Heather Vaughan – Financial Examiner II INFORMATION SYSTEMS Robert H. Carr, III - IS Supervisor Ronnie Peters – Commissioned Senior DP Examiner Jeffrey Cameron - Commissioned Senior DP Examiner Kish Ivey – Financial Examiner Trainee Eighty-Ninth Report STATE CHARTERED BANKS' CORPORATE NAME CHANGES/RELOCATIONS BANK NEW NAME/LOCATION Citizens Bank Booneville First Western Bank Booneville First Community Bank Conway First Security Bank of Conway Conway Bank of Evening Shade Evening Shade Bank of Evening Shade Mountain Home The Bank of Jonesboro Jonesboro Liberty Bank of Arkansas Jonesboro Bank of Lockesburg Lockesburg Bank of Lockesburg Stuttgart Peoples Bank And Trust Company Mountain Home First Security Bank of of Mountain Home Mountain Home First State Bank Plainview First State Bank Russellville CHARTER CONVERSIONS Bank of Lockesburg nd 600 East 22 Street Stuttgart, AR (Converted to a national charter October 1, 2002) 9 Arkansas State Bank Department 10 STATE CHARTERED BANKS MERGED FROM JULY 1, 2002, TO JUNE 30, 2003 BANK MERGED INTO Corning Bank Corning First National Bank Paragould Marked Tree Bank Marked Tree First Community Bank Jonesboro Bank of Evening Shade Mountain Home Community First National Bank of West Plains West Plains, MO River Valley Bank Russellville Bank of the Ozarks Little Rock Eighty-Ninth Report 11 BRANCHES APPROVED FROM JULY 1, 2002, TO JUNE 30, 2003 BANK LOCATION Summit Bank Arkadelphia 333 Ouachita Avenue Hot Springs The Citizens Bank Batesville 1033 West 3 Street Imboden First Community Bank Batesville 3 Eagle Mountain Boulevard Batesville First Western Bank Booneville 1676 Joyce Street Fayetteville First State Bank Conway 3081 Bill Foster Memorial Hwy. Cabot First State Bank Conway 2043 West Main Street Cabot First State Bank Conway 1445 Hogan Lane Conway Chambers Bank Danville Pt. Block 15 Mary R. Fields Addition Danville First State Bank of DeQueen DeQueen 3402 North Camellia Street Lockesburg Arvest Bank Fayetteville 110 South Rockwood Road, Suite 2 Cabot Arvest Bank Fayetteville 8415 Sylvan Hills Highway Sherwood Arvest Bank Fayetteville 1930 Fayetteville Road Van Buren Arvest Bank Fayetteville 5201 Lee Boulevard Lawton, OK Arvest Bank Fayetteville 11501 East 76 Street North Owasso, OK rd th 12 Arkansas State Bank Department BANK LOCATION Arvest Bank Fayetteville SWC 412 and Highway 97 Sand Springs, OK Farmers Bank Greenwood 102 Highway 71 Northeast Huntington Farmers Bank Greenwood 100 Huntington Avenue Mansfield Alliance Bank of Hot Springs Hot Springs 5500 Central Avenue Hot Springs Liberty Bank of Arkansas Jonesboro 1927 Highway 62/412 West Hardy Bank of the Ozarks Little Rock 5910 Highway 5 North Alexander Bank of the Ozarks Little Rock 615 West Main Street Cabot Bank of the Ozarks Little Rock 8501 Phoenix Avenue Fort Smith Bank of the Ozarks Little Rock 3110 West Main Street Russellville Pulaski Bank And Trust Company Little Rock 5111 Highway 5 North Bryant Union Bank And Trust Company Monticello 265 South Highway 65 Dumas Allied Bank Mulberry 111 North 2 Street Ozark Twin City Bank North Little Rock 520 Bowman Little Rock Twin City Bank North Little Rock 2610 Cantrell Little Rock Twin City Bank North Little Rock 13900 Cantrell Little Rock Twin City Bank North Little Rock 10400 Mabelvale Plaza Drive Little Rock nd Eighty-Ninth Report 13 BANK LOCATION Twin City Bank North Little Rock 9712 Rodney Parham Little Rock Southern Bank of Commerce Paragould 601 North Holman Brookland Home Bank of Arkansas Portland 17401 Highway 65 South Damascus Home Bank of Arkansas Portland Highway 65 North and Nome Street Marshall First Arkansas Valley Bank Russellville 2307 Beebe Capps Searcy First Security Bank Searcy 435 North Garland, Room 208 Fayetteville First Security Bank Searcy 2630 West 6 Street Fayetteville Bank of Star City Star City 3100 Camden Road Pine Bluff th Arkansas State Bank Department 14 STATE CHARTERED SUBCHAPTER S CORPORATION BANKS BANK CITY Bank of Bearden Bearden Bank of Brinkley Brinkley Chambers Bank Danville First State Bank of DeQueen DeQueen Decatur State Bank Decatur First Financial Bank El Dorado Arkansas Diamond Bank Glenwood Bank of Gravett Gravette First Arkansas Bank & Trust Jacksonville Little River Bank Lepanto Farmers Bank and Trust Company Magnolia The Peoples Bank Magnolia The Union Bank of Mena Mena Bank of Mountain View Mountain View Allied Bank Mulberry Diamond State Bank Murfreesboro Chart Bank Perryville Bank of Pocahontas Pocahontas The Bank of Rison Rison Riverside Bank Sparkman Bank of Star City Star City Eighty-Ninth Report 15 The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 2002 through June 30, 2003. RECEIPTS Cash Balance June 30, 2002..................................................... $1,683,242.46 Examination and Assessment Fees........................ 5,819,641.34 Charter and Amendment Fees..................................... 22,350.00 Teller's Facility Application and all Protest Fees ................................................. 167,700.00 Miscellaneous Fees ....................................................... 3,144.00 Reimbursement for M & R Sales.................................. 24,437.59 Refund to Expenditures − Prior Year ............................. 1,622.68 Refund to Expenditures − Current Year ....................... 10,701.39 Total Receipts 6,049,597.00 $7,732,839.46 DISBURSEMENTS Salaries ................................................................... 3,464,090.01 Extra Help Salaries ........................................................... 616.00 Maintenance and General Operations ....................... 880,106.70 S.S., Retirement and Insurance Matching.................................................................. 824,024.26 Professional Services and Fees................................... 11,835.00 Conference Fees and Travel...................................... 157,362.72 Capital Outlay............................................................. 226,605.05 Refunds Issued ..................................................................... 0.00 Service Charge by State Treasurer............................ 114,495.12 Total Disbursements 5,679,134.86 Cash Balance June 30, 2003 2,053,704.60 $7,732,839.46 16 Arkansas State Bank Department FEDERAL DEPOSIT INSURANCE CORPORATION Dallas Regional Office 1910 Pacific Avenue, Suite 1900 Dallas, Texas 75201-4586 VOICE: (214) 754-0098 FAX: (972) 761-2082 http://www.fdic.gov John F. Carter ................................... Regional Director – Supervision/Consumer Sylvia H. Plunkett ...................................... Deputy Regional Director - Consumer Memphis Area Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 VOICE: (901) 685-1603 FAX: (901) 821−5308 FAX: (901) 821−5309 Susan M. Madson ......................................................Area Director − Supervision Timothy J. Hubby ....................................................... Assistant Regional Director Phillip H. Schwartz .....................................................................Regional Counsel Little Rock Field Office Financial Centre III Building 900 South Shackleford Road, Suite 500 Little Rock, Arkansas 72211 VOICE: (501) 228-6346 FAX: (501) 228-6568 Deborah S. Calvert.............................................................Field Office Supervisor Memphis Field Office 8295 Tournament Drive, Suite 100 Memphis, Tennessee 38125-8866 VOICE: (901) 748-3342 FAX: (901) 748-1512 Dana A. English..................................................................Field Office Supervisor Shreveport Field Office Southpoint Center 3007 Knight Street, Suite 300 Shreveport, Louisiana 71105-25251 VOICE: (318) 868-6661 FAX: (318) 868-7870 Steven D. Reed ..................................................................Field Office Supervisor Eighty-Ninth Report FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 411 Locust Street P. O. Box 442 St. Louis, Missouri 63166 VOICE: (314) 444-8444 FAX: (314) 444-8740 http://www.stls.frb.org William Poole................................................................................................ President W. LeGrande Rives...................................................................... First Vice President Karl W. Ashman ........................................................................Senior Vice President Henry H. Bourgaux....................................................................Senior Vice President Julie L. Stackhouse ...................................................................Senior Vice President Robert H. Rasche......................................................................Senior Vice President & Director of Research Mary H. Karr ..............................................................................Senior Vice President General Counsel & Corporate Secretary John P. Baumgartner ...........................................................................Vice President Treasury Relations & Wholesale & Cash Operations John W. Block, Jr. ................................................................................ Vice President Consumer Affairs Supervision Timothy A. Bosch ................................................................................. Vice President Supervision & Regulation Cletus C. Coughlin ............................................................................... Vice President & Associate Director of Research William T. Gavin ................................................................................... Vice President & Research Coordinator R. Alton Gilbert ..................................................................................... Vice President & Banking Economics Advisor Daniel L. Thornton................................................................................Vice President Research Richard G. Anderson............................................................................Vice President Research Randall C. Sumner............................................................................... Vice President Community Affairs/Public Affairs Jean M. Lovati ...................................................................................... Vice President Information Technology Services & Information Security Kim D. Nelson ......................................................................................Vice President Applications, Risk Management, Statistics, Credit & Payment Michael J. Mueller ................................................................................ Vice President Human Resources 17 18 Arkansas State Bank Department FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 (Continued) Marilyn K. Corona ................................................................................ Vice President Corporate Accounting & Customer Relations Michael D. Renfro .............................................................................. General Auditor Audit David A. Sapenaro ............................................................................... Vice President Treasury Relations & Systems Support Little Rock Branch 325 West Capitol Avenue P. O. Box 1261 Little Rock, Arkansas 72203-1261 VOICE: (501) 324-8300 FAX: (501) 324-8212 Robert A. Hopkins ..................................................Vice President & Branch Manager William D. Little.......................................................................Assistant Vice President Matthew Torbett .............................................................................. Operations Officer Memphis Branch 200 North Main Street P. O. Box 407 Memphis, Tennessee 38101-0407 VOICE: (901) 523-7171 FAX: (901) 579-2406 Martha L. Perine-Beard..........................................Vice President & Branch Manager Allen Brown ............................................................................Assistant Vice President Louisville Branch 410 South 5th Street Louisville, Kentucky 40232-2710 P. O. Box 32710 VOICE: (502) 568-9200 FAX: (502) 568-9211 Thomas Boone .......................................................Vice President & Branch Manager Ronald L. Byrne......................................................................................Vice President James E. Stephens ......................................................................... Operations Officer Eighty-Ninth Report COMPTROLLER OF THE CURRENCY Southern District Office 500 North Akard, Suite 1600 Dallas, Texas 75201-3342 VOICE: (214) 720-0656 FAX: (214) 720-7000 http://www.occ.treas.gov Jeri Gilland..................................................................................Deputy Comptroller Archie Bransford.........................................................................Deputy Comptroller Randall Ryskamp .............................................................................District Counsel Karen Bryant............................................................................... Licensing Manager Little Rock Field Office Ozark National Life Building 10201 West Markham, Suite 105 Little Rock, Arkansas 72205−2180 VOICE: (501) 225-7228 FAX: (501) 225-2711 F. Christian Dunn .......................................................Assistant Deputy Comptroller Memphis Field Office (Satellite Office of Arkansas Field Office) 57 Germantown Court, Suite 309 Cordova, Tennessee 38018-4268 VOICE: (901) 624-5154 FAX: (901) 624-5822 Paul E. Robertson ......................................................Assistant Deputy Comptroller Central and Western Oklahoma Field Office The Harvey Parkway Building rd 301 NW 63 Street, Suite 490 Oklahoma City, Oklahoma 73116-7906 VOICE: (405) 848−8058 FAX: (405) 848-8085 Kyle M. Jones.............................................................Assistant Deputy Comptroller Eastern Oklahoma Field Office Executive Center Building 7134 South Yale, Suite 910 Tulsa, Oklahoma 74136-6360 VOICE: (918) 492-2082 FAX: (918) 492-2092 Leigh R. Hoge ............................................................Assistant Deputy Comptroller 19 20 Arkansas State Bank Department ARKANSAS BANKERS ASSOCIATION 1220 West Third Street Little Rock, Arkansas 72201 VOICE: (501) 376-3741 FAX: (501) 376-9243 http://www.arkbankers.org Ken D. Hammonds........................................................................ President & CEO Robert V. Brothers .................................................................................... Chairman President & CEO of Arvest Bank – Rogers Office Arvest Bank, Fayetteville Gus Rusher .................................................................................... Chairman - Elect President Bank of Brinkley, Brinkley J. Thomas May.................................................................................. Vice Chairman Chairman & CEO Simmons First National Bank, Pine Bluff Steve Bell .................................................................................................. Treasurer President & COO Farmers Bank And Trust Company, Blytheville Larry Kircher .......................................................................................Past President President & CEO Citizens State Bank, Bald Knob Eighty-Ninth Report YOUNG BANKERS SECTION OFFICERS Chris Welch ................................................................................................ President Vice President The Bank of Fayetteville, N.A., Fayetteville Avona Kasselman .................................................................. Senior Vice President Vice President Simmons First Bank of Russellville, Russellville Craig Attwood..................................................................................... Vice President Vice President Simmons First National Bank, Pine Bluff Jay Barber ..................................................................................................Secretary Vice President First Security Bank, Searcy Kyle Davidson ........................................................................................... Treasurer Loan Officer First National Bank of Eastern Arkansas, Forrest City Matthew Gill...........................................................................Education Coordinator Assistant Vice President The Bank of Fayetteville, N.A., Fayetteville 21 22 Arkansas State Bank Department ARKANSAS COMMUNITY BANKERS ASSOCIATION P. O. Box 20210 Hot Springs, Arkansas 71903-0210 VOICE: (800) 771-1634 FAX: (501) 525-0637 E−Mail: info@acbonline.org http://www.acbonline.org Richard G. Trammell ...................................................................... Executive Director Larry E. Bauer .............................................................................................. President Chief Executive Officer and President Planters & Merchants Bank, Gillett James G. Williamson, Jr. ..................................................................... Vice President Chairman and Chief Executive Officer Citizens Bank & Trust Company, Van Buren Terence J. Alpe ............................................................................................ Secretary Chief Executive Officer and President The Bank of Lake Village, Lake Village Greg B. Brown..............................................................................................Treasurer Chairman and Chief Executive Officer The Union Bank of Benton, Benton Eighty-Ninth Report 23 CONFERENCE OF STATE BANK SUPERVISORS th 1155 Connecticut Avenue, NW, 5 Floor Washington, DC 20036 VOICE: (202) 296-2840 FAX: (202) 296-1928 http://www.csbs.org Neil Milner.........................................................................................President & CEO Sharon Bias ..............................................................................Chief Financial Officer Cecelia Smith ............................................................................... Executive Assistant Mary White ...............................................................Vice President/Communications Roger Stromberg..................................................... Senior Vice President/Education Georgia High ...................................Director, Accreditation & Certification/Education Michael Stevens ..................................................................Vice President/Education Timothy Bergan ....................................................Senior Vice President/International John “Buz” Gorman........................................................ General Counsel/Legislative John Ryan ...................................................Senior Vice President, Policy/Legislative Ed Smith ...........................Vice President, Membership & Bank Relations/Marketing Montrice Yakimov................................................... Senior Vice President/Regulatory Arkansas State Bank Department 24 CONSOLIDATED REPORT OF CONDITION DATA 124 STATE CHARTERED COMMERCIAL BANKS (in millions) ASSETS JUNE 30, 2003 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin.......................................$971 b. Interest-bearing balances .................................................................................... 174 Securities: a. Held to maturity .................................................................................................... 748 b. Available-for sale...............................................................................................4,565 Federal funds sold and securities purchased under agreements to resell ..................................................... 758 Net Loans and Leases....................................................................................................15,663 Trading assets ......................................................................................................................... 3 Premises and fixed assets................................................................................................... 579 Other real estate owned ........................................................................................................ 55 Goodwill and other intangibles ............................................................................................ 215 All other assets .................................................................................................................... 521 Total assets...................................................................................................................$24,252 LIABILITIES Deposits: a. In domestic offices ........................................................................................$20,172 (1) Noninterest-bearing ....................................................................2,890 (2) Interest-bearing.........................................................................17,282 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs............................................................................................ 32 (1) Noninterest-bearing ...........................................................................0 (2) Interest-bearing................................................................................32 Federal funds purchased and securities sold under agreements to repurchase ...................................................... 328 Trading liabilities ...................................................................................................................... 0 Other borrowed money.....................................................................................................1,222 Subordinated notes and debentures ....................................................................................... 6 All other liabilities ................................................................................................................. 149 Total liabilities..................................................................................................................21,909 Minority interest in consolidated subsidiaries .......................................................................... 0 EQUITY CAPITAL Perpetual preferred stock ........................................................................................................ 2 Common stock....................................................................................................................... 41 Surplus ..............................................................................................................................1,095 Undivided profits ...............................................................................................................1,205 Total equity capital ............................................................................................................2,343 Total liabilities, minority interest and equity capital ..................................................... $24,252 Eighty-Ninth Report 25 CONSOLIDATED STATEMENT OF CONDITION OF THE 62 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 2003 ASSETS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. Non-interest Bearing Deposits: a. Own Bank and Affiliate Institutions ....................................................................$6 b. Other Institutions .................................................................................................. 0 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions ..................................................................121 b. Other Institutions ................................................................................................66 U.S. Government and Agency Obligations ................................................................154 State, County and Municipal Obligations .....................................................................99 Other Short-Term Obligations.......................................................................................77 Other Notes and Bonds ................................................................................................43 Money Market Funds ..................................................................................................117 Other Mutual Funds ....................................................................................................101 Stocks..........................................................................................................................218 Collective Investment Fund Units .................................................................................14 Real Estate Mortgages ................................................................................................... 4 Real Estate....................................................................................................................81 Miscellaneous Assets ...................................................................................................33 Suspense Accounts ........................................................................................................ 2 Other ............................................................................................................................54 Total .....................................................................................................................$1,190 LIABILITIES Personal Accounts: 17. Personal Trusts........................................................................................................ $332 18. Estates & Guardianships ..............................................................................................37 Employee Benefit Accounts: 19. Trusts ..........................................................................................................................138 20. Agencies .......................................................................................................................73 All Other Agencies: 21. Investment Mgmt & Advisory......................................................................................104 22. Custodial .....................................................................................................................230 23. All Other ........................................................................................................................38 Corporate and Municipal Securities Appointments: 24. Bond Trusteeships ......................................................................................................187 25. Agencies .......................................................................................................................49 Collective Investment Funds: 26. Employee Benefits ..........................................................................................................1 27. Other .............................................................................................................................. 0 28. Profit Accounts................................................................................................................ 0 29. Suspense Accounts ........................................................................................................ 1 30. Total .....................................................................................................................$1,190 Arkansas State Bank Department 26 CONSOLIDATED REPORT OF CONDITION DATA 42 NATIONAL BANKS (in millions) ASSETS JUNE 30, 2003 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin.......................................$415 b. Interest-bearing balances ...................................................................................... 81 Securities: a. Held-to-maturity.................................................................................................... 456 b. Available-for-sale ..............................................................................................1,885 Federal funds sold and securities purchased under agreements to resell ..................................................... 308 Net loans and leases ........................................................................................................5,363 Trading assets ......................................................................................................................... 0 Premises and fixed assets................................................................................................... 182 Other real estate owned ........................................................................................................ 27 Goodwill and other intangibles .............................................................................................. 34 All other assets .................................................................................................................... 198 Total assets.....................................................................................................................$8,949 LIABILITIES Deposits: a. In domestic offices ..........................................................................................$7,211 (1) Noninterest-bearing ....................................................................1,181 (2) Interest-bearing...........................................................................6,030 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs.............................................................................................. 0 (1) Noninterest-bearing ...........................................................................0 (2) Interest-bearing..................................................................................0 Federal funds purchased and securities sold under agreements to repurchase ...................................................... 223 Trading liabilities ...................................................................................................................... 0 Other borrowed money........................................................................................................479 Subordinated notes and debentures ....................................................................................... 0 All other liabilities ................................................................................................................... 56 Total liabilities....................................................................................................................7,969 Minority interest in consolidated subsidiaries .......................................................................... 0 EQUITY CAPITAL Perpetual preferred stock ........................................................................................................ 1 Common stock....................................................................................................................... 33 Surplus ................................................................................................................................. 242 Undivided profits .................................................................................................................. 704 Total equity capital ............................................................................................................... 980 Total liabilities, minority interest and equity capital ........................................................$8,949 Eighty-Ninth Report 27 TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2003 BANK CITY RATIO First National Bank of Altheimer Altheimer Elk Horn Bank and Trust Company Summit Bank Arkadelphia Arkadelphia 6.53 8.54 First National Bank of Sharp County Ash Flat 8.18 The First National Bank Ashdown 12.86 The Bank of Augusta Augusta 12.59 Citizens State Bank Bald Knob 10.32 The Citizens Bank Batesville 6.12 First Community Bank Batesville 7.07 Bank of Bearden Bearden 21.59 The Union Bank of Benton Benton 8.41 Arkansas National Bank Bentonville 8.12 The First National Bank of Berryville Berryville 14.00 Bank of Blevins Farmers Bank And Trust Company Blevins Blytheville 11.13 11.89 The First National Bank in Blytheville Blytheville 8.21 First Western Bank Booneville 8.41 Community State Bank Bradley 10.83 Bank of Brinkley Brinkley 14.51 Community Bank Cabot The First National Bank of Izard County Calico Rock First Bank of South Arkansas Camden Bank of Cave City Cave City 8.09 The Merchants and Planters Bank Clarendon 12.20 19.30 8.55 23.48 9.57 Farmers Bank and Trust Company Clarksville First Security Bank of Conway First State Bank Conway Conway 7.32 12.68 9.57 First National Bank of Crossett Crossett 10.05 First State Bank Crossett 8.45 Chambers Bank Danville 11.21 Bank of Dardanelle Dardanelle Decatur State Bank Decatur 12.99 Bank of Delight Delight 16.71 9.89 28 Arkansas State Bank Department BANK CITY The First National Bank of DeQueen DeQueen RATIO 17.60 First State Bank of DeQueen DeQueen 10.08 DeWitt Bank And Trust Company DeWitt 13.28 The First National Bank of DeWitt DeWitt 10.38 First National Bank of Howard County Dierks 17.34 Merchants & Farmers Bank Dumas 12.00 First Financial Bank El Dorado 7.11 Simmons First Bank of El Dorado, N.A. Timberland Bank El Dorado El Dorado 8.30 10.57 Bank of England England The Eudora Bank Eudora Bank of Eureka Springs Eureka Springs 7.67 9.21 11.36 Arvest Bank Fayetteville 6.84 Bank of Arkansas, N.A. Fayetteville 7.22 The Bank of Fayetteville, N.A. Fayetteville 7.19 Community Bank of North Arkansas Fayetteville 8.75 Fordyce Bank & Trust Company Fordyce 8.51 First National Bank of Eastern Arkansas Forrest City 13.73 Forrest City Bank, N.A. Forrest City 7.50 The First National Bank of Fort Smith Planters & Merchants Bank Fort Smith Gillett 15.86 12.08 Arkansas Diamond Bank Glenwood 9.33 Bank of Gravett Gravette 11.03 The First National Bank in Green Forest Green Forest 11.27 First Service Bank Greenbrier 8.77 Farmers Bank Greenwood 21.21 Farmers Bank Hamburg 9.53 Calhoun County Bank Hampton 10.43 The Bank of Harrisburg Harrisburg 11.14 Community First Bank Harrison 7.91 The Cleburne County Bank Heber Springs 8.46 Greers Ferry Lake State Bank Heber Springs State Bank Heber Springs Heber Springs 8.07 9.48 First National Bank of Phillips County Helena 8.37 Helena National Bank Helena 11.41 The First National Bank of Hope Hope 17.69 Horatio State Bank Horatio 10.30 Alliance Bank of Hot Springs Hot Springs 7.93 First National Bank Hot Springs 12.25 Eighty-Ninth Report 29 BANK CITY RATIO First State Bank Huntsville 11.23 First Arkansas Bank & Trust Jacksonville 13.79 American State Bank Jonesboro 6.67 Heritage Bank Jonesboro 7.78 Liberty Bank of Arkansas Jonesboro 9.16 MidSouth Bank Jonesboro 8.39 Simmons First Bank of Jonesboro Jonesboro 8.00 Pine State Bank Madison Bank and Trust Kingsland Kingston 7.72 9.26 The Bank of Lake Village Lake Village Simmons First Bank of South Arkansas Lake Village 11.21 Little River Bank Lepanto 10.76 The First National Bank of Lewisville Lewisville 11.72 Arkansas Bankers’ Bank Little Rock 7.37 Bank of Little Rock Little Rock 10.18 Bank of the Ozarks Little Rock 8.48 The Capital Bank Little Rock 7.38 Eagle Bank & Trust Company Little Rock 8.45 Metropolitan National Bank Little Rock 7.04 One Bank & Trust, National Association Pulaski Bank And Trust Company Little Rock Little Rock 7.91 7.99 First State Bank Lonoke 8.75 Farmers Bank and Trust Company Magnolia 9.12 The Peoples Bank Magnolia 9.70 The Malvern National Bank Malvern 9.12 Southern State Bank Malvern First National Bank at Marianna Marianna First Community Bank of Eastern Arkansas Marion First Delta Bank Marked Tree 11.19 Bank of McCrory McCrory 11.61 The First National Bank of McGehee McGehee 12.43 McGehee Bank First National Bank in Mena McGehee Mena 15.18 12.27 The Union Bank of Mena Mena 10.07 Commercial Bank & Trust Company Monticello 9.41 Union Bank And Trust Company Monticello 9.71 Petit Jean State Bank Morrilton 8.97 8.73 9.12 11.73 9.40 First National Bank Mount Ida 11.08 First National Bank and Trust Company Mountain Home 12.82 30 Arkansas State Bank Department BANK CITY First Security Bank of Mountain Home Mountain Home RATIO 8.70 TrustBanc Mountain Home 9.44 Bank of Mountain View Mountain View 16.23 Allied Bank Mulberry Diamond State Bank Murfreesboro Citizens National Bank of Nashville Nashville Merchants & Planters Bank Newport National Bank of Arkansas in North Little Rock Twin City Bank North Little Rock North Little Rock 7.82 7.41 14.79 8.37 8.39 11.88 Bank of Paragould Paragould 8.83 First National Bank Paragould 13.99 Peoples Bank Paragould 6.47 Southern Bank of Commerce Paragould 12.89 The First National Bank at Paris Paris Delta Trust & Bank Parkdale First State Bank Parkin Chart Bank Perryville 9.44 8.28 10.97 7.04 Piggott State Bank Piggott 9.20 Pine Bluff National Bank Pine Bluff 8.19 Simmons First National Bank Bank of Pocahontas Pine Bluff Pocahontas 8.03 8.60 Home Bank of Arkansas Portland Portland Bank Portland 7.51 Bank of Prescott Prescott 12.58 The Bank of Rison Rison 15.16 Bank of Rogers Rogers 7.81 Simmons First Bank of Northwest Arkansas Rogers 8.00 First Arkansas Valley Bank Russellville 7.43 First State Bank Russellville 8.06 Simmons First Bank of Russellville Russellville 15.01 Bank of Salem Salem Logan County Bank First Security Bank Scranton Searcy 10.05 9.36 15.79 7.15 Simmons First Bank of Searcy Searcy 10.23 Peoples Bank Sheridan 10.84 Arkansas State Bank Siloam Springs 16.20 Smackover State Bank Smackover 9.92 Riverside Bank Sparkman 7.74 The First National Bank of Springdale Springdale 7.82 Eighty-Ninth Report 31 BANK CITY RATIO Bodcaw Bank Stamps 13.95 Bank of Star City Star City 10.92 The Stephens Security Bank Stephens 8.99 The Farmers and Merchants Bank Stuttgart 14.27 First National Bank of Stuttgart Stuttgart 20.43 Bank of Trumann Trumann 14.00 Citizens Bank & Trust Company Van Buren 11.14 First Community Bank of Crawford County Bank of Waldron Van Buren Waldron 9.28 15.50 The First National Bank of Lawrence County Walnut Ridge 11.95 First State Bank of Warren Warren 10.99 Warren Bank and Trust Company Warren 14.00 Fidelity National Bank West Memphis Cross County Bank Wynne 10.86 7.40 The First National Bank of Wynne Wynne 13.68 The Bank of Yellville Yellville 7.73 32 Arkansas State Bank Department NATIONAL BANKS JUNE 30, 2003 (000’s omitted) BANK CITY First National Bank of Altheimer First National Bank of Sharp County The First National Bank Arkansas National Bank The First National Bank of Berryville The First National Bank in Blytheville The First National Bank of Izard County First National Bank of Crossett The First National Bank of DeQueen The First National Bank of DeWitt First National Bank of Howard County Simmons First Bank of ElDrado, N.A. Bank of Arkansas, N.A. The Bank of Fayetteville, N.A. First National Bank of Eastern Arkansas Forrest City Bank, N.A. The First National Bank of Fort Smith The First National Bank in Green Forest First National Bank of Phillips County Helena National Bank The First National Bank of Hope First National Bank The First National Bank of Lewisville Metropolitan National Bank One Bank & Trust, National Association The Malvern National Bank First National Bank at Marianna The First National Bank of McGehee First National Bank in Mena First National Bank First National Bank and Trust Company Citizens National Bank of Nashville National Bank of Arkansas in North Little Rock First National Bank The First National Bank at Paris Pine Bluff National Bank Simmons First National Bank The First National Bank of Springdale First National Bank of Stuttgart The First National Bank of Lawrence County Fidelity National Bank The First National Bank of Wynne Altheimer Ash Flat Ashdown Bentonville Berryville Blytheville Calico Rock Crossett DeQueen DeWitt Dierks El Dorado Fayetteville Fayetteville Forrest City Forrest City Fort Smith Green Forest Helena Helena Hope Hot Springs Lewisville Little Rock Little Rock Malvern Marianna McGehee Mena Mount Ida Mountain Home Nashville North Little Rock Paragould Paris Pine Bluff Pine Bluff Springdale Stuttgart Walnut Ridge West Memphis Wynne ASSETS 12,977 241,000 83,984 495,180 126,145 185,568 111,648 120,829 111,574 98,454 38,038 183,219 193,164 252,737 232,819 86,386 655,223 254,088 188,375 131,387 128,870 149,299 30,928 829,661 248,949 375,761 54,406 44,959 126,081 81,563 274,609 47,167 135,038 429,861 92,725 234,892 994,770 349,072 21,208 108,128 204,829 178,662 REPORT OF THE ONE HUNDRED TWENTY-FOUR STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2003 Arkansas State Bank Department 34 Elk Horn Bank and Trust Company Arkadelphia, AR VOICE: (870) 246-5811 FAX: (870) 246-5284 Population: 10,014 601 Main Street Charter Number: 142 P. O. Box 248 Date: September 28, 1903 71923-0248 County: Clark Trust Powers: Yes Bank Holding Company Southern Development Bancorporation, Inc., Arkadelphia, AR Chm: James Harrington EVP: Frankie I. Pratt CEO/Pres: William G. Wright VP/TO: Beth S. Marshall Cash and Due from:...................................... 7,617 Federal Funds and Repos: ........................... 2,805 Investments: ............................................... 54,990 Total Loans:................................................ 76,664 Premises and Fixed Assets:.......................... 4,192 Other Real Estate: ........................................... 479 Other Assets:................................................ 9,055 Total Assets:............................................. 155,802 Total Trust Assets:........................................... 935 Deposits: .................................................. 140,057 Federal Funds and Borrowings: ....................... 895 Other Liabilities: ............................................... 732 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 141,684 Total Equity Capital and Reserves: ............. 14,118 Total Liabilities and Capital: ...................... 155,802 Number of Shares Outstanding:.................. 24,000 Directors: Phillip N. Baldwin; Thomas B. Barksdale; James H. Blanton; W. H. Brandon, Jr.; Ronald Echols; James Harrington; Geneva Hunter; Rick Izor; Mike Kolb; Mary Jo Mann; Veda Morgan; Roy N. Shope; Dr. Andrew Westmoreland; William G. Wright Branches in Town: Two Other Branches: Bismarck, Caddo Valley, Malvern Summit Bank Arkadelphia, AR VOICE: (870) 246-8070 FAX: (870) 246-7122 Population: 10,014 409 Main Street Charter Number: 767 P. O. Box 965 Date: December 2, 1996 71923-0965 County: Clark Trust Powers: No Bank Holding Company Summit Bancorp, Inc., Arkadelphia, AR Chm/CEO: Ross M. Whipple EVP: John Michael Rigby Pres/COO: Marcus J. McCain CFO: Christopher M. Wewers Cash and Due from:.................................... 34,832 Federal Funds and Repos: .............................. 600 Investments: ............................................... 88,526 Total Loans:.............................................. 395,715 Premises and Fixed Assets:........................ 10,369 Other Real Estate: ........................................... 325 Other Assets:.............................................. 15,748 Total Assets:............................................. 546,115 Total Trust Assets:............................................... 0 Deposits: .................................................. 403,350 Federal Funds and Borrowings: .................. 94,527 Other Liabilities: ............................................ 2,147 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 500,024 Total Equity Capital and Reserves: ............. 46,091 Total Liabilities and Capital: ...................... 546,115 Number of Shares Outstanding:.................... 3,100 Directors: Rodney Bobo; Elton E. Buck; Steve Demott; Mike Duke; Ben Elrod; Joe Keith; Mike Lax; James McAdams; Marcus J. McCain; Ned Purtle; Ross M. Whipple; Joe Woodward Branches in Town: One Other Branches: Benton, Hope, Hot Springs (3), Magnolia, Malvern (2) Eighty-Ninth Report 35 The Bank of Augusta Augusta, AR VOICE: (870) 347-2511 FAX: (870) 347-2654 Population: 2,759 Chm: John R. Eldridge CEO/Pres: Moody Whitehead 100 South Second Street Charter Number: 669 P. O. Box 120 Date: February 20, 1935 72006-0120 County: Woodruff Trust Powers: Yes Bank Holding Company None VP: Ronnie Jones Cash/TO: Martha Ray Cash and Due from: .........................................986 Federal Funds and Repos: ............................4,405 Investments:................................................19,625 Total Loans: ................................................19,739 Premises and Fixed Assets: .............................385 Other Real Estate:............................................... 0 Other Assets: ................................................1,530 Total Assets: ...............................................46,670 Total Trust Assets: ........................................2,223 Deposits: .....................................................40,259 Federal Funds and Borrowings:........................... 0 Other Liabilities:............................................... 500 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................40,759 Total Equity Capital and Reserves:................5,911 Total Liabilities and Capital:.........................46,670 Number of Shares Outstanding: ....................8,000 Directors: Franklin Collier; Dr. Steven Collier; W. P. Daniel, Jr.; W. P. Daniel; Charlie Eldridge; John R. Eldridge; R. E. Gregory, Jr.; Ronnie Jones; Moody Whitehead Branches in Town: One Other Branches: None Citizens State Bank Bald Knob, AR VOICE: (501) 724-3241 FAX: (501) 724-5985 Population: 2,653 306 South Elm Street Charter Number: 636 P. O. Box 200 Date: January 22, 1931 72010-0200 County: White Home Page: http://www.csb-bk.com Trust Powers: Yes Bank Holding Company Citizens State Bankshares of Bald Knob, Inc., Bald Knob, AR Chm: Juanita Litzelfelner EVP: Wendell Nier CEO/Pres/TO: Larry Kircher SVP/Cash: Peggy Reed Cash and Due from: ......................................2,253 Federal Funds and Repos: ............................3,765 Investments:................................................22,911 Total Loans: ................................................29,704 Premises and Fixed Assets: ..........................1,036 Other Real Estate:............................................395 Other Assets: ...................................................925 Total Assets: ...............................................60,989 Total Trust Assets: ........................................2,607 Deposits: .....................................................54,154 Federal Funds and Borrowings:........................... 0 Other Liabilities:............................................... 292 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................54,446 Total Equity Capital and Reserves:................6,543 Total Liabilities and Capital:.........................60,989 Number of Shares Outstanding: ....................4,000 Directors: Bob J. Clark; Larry Kircher; Molly Kircher; Juanita Litzelfelner; Wendell Nier; Dr. Bernard C. Smith, M.D. Branches in Town: Two Other Branches: Bradford 36 Arkansas State Bank Department The Citizens Bank Batesville, AR VOICE: (870) 793-4441 Third and College Streets Charter Number: 705 FAX: (870) 698-6299 P. O. Box 2156 Date: February 19, 1953 Population: 9,187 72503-2156 County: Independence Home Page: http://www.thecitizensbank.net Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Citizens Bancshares of Batesville, Inc., Batesville, AR Chm/CEO/Pres: Woody Castleberry SVP: Greg Shaver EVP: David Hidy VP/TO: Robin Brock Cash and Due from:.................................... 25,474 Federal Funds and Repos: ........................... 3,240 Investments: ............................................. 122,885 Total Loans:.............................................. 246,419 Premises and Fixed Assets:.......................... 5,938 Other Real Estate: ........................................... 899 Other Assets:................................................ 7,943 Total Assets:............................................. 412,798 Total Trust Assets:...................................... 65,000 Deposits: .................................................. 294,545 Federal Funds and Borrowings: .................. 91,119 Other Liabilities: ............................................... 867 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 386,531 Total Equity Capital and Reserves: ............. 26,267 Total Liabilities and Capital: ...................... 412,798 Number of Shares Outstanding:.................. 16,500 Directors: Woody Castleberry; Dr. Lackey G. Moody, M.D.; Doyle W. Rogers; Noel K. Sims; Kay Southerland Branches in Town: Six Other Branches: Imboden, Pleasant Plains First Community Bank Batesville, AR VOICE: (870) 612-3400 FAX: (870) 612-3412 Population: 9,187 1325 Harrison Street Charter Number: 770 P. O. Box 4327 Date: June 20, 1997 72501-4327 County: Independence Trust Powers: No Bank Holding Company First Community Bancshares, Inc., Batesville, AR Chm/CEO: Dale E. Cole SVP: Troy Henley Pres/COO: Boris A. Dover SVP: Ranferd Rewis Cash and Due from:.................................... 13,193 Federal Funds and Repos: .................................. 0 Investments: ............................................... 53,312 Total Loans:.............................................. 209,292 Premises and Fixed Assets:.......................... 8,721 Other Real Estate: ........................................... 168 Other Assets:................................................ 3,541 Total Assets:............................................. 288,227 Total Trust Assets:............................................... 0 Deposits: .................................................. 227,641 Federal Funds and Borrowings: .................. 40,186 Other Liabilities: ............................................... 489 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 268,316 Total Equity Capital and Reserves: ............. 19,911 Total Liabilities and Capital: ...................... 288,227 Number of Shares Outstanding:.................. 85,472 Directors: Don Buckliew; Dale E. Cole; Boris A. Dover; Billy Roy Floyd; Preston W. "Chip" Grace, III; Rick Kent; Ray LaCroix; Dr. Charles McClain; M. N. Osborne; George Rider; Bill Roussel; Frank Tripp Branches in Town: Two Other Branches: Searcy (2) Eighty-Ninth Report 37 Bank of Bearden Bearden, AR VOICE: (870) 687-2233 FAX: (870) 687-2474 Population: 1,021 Second and Cedar Streets Charter Number: 688 P. O. Box 135 Date: June 17, 1945 71720-0135 County: Ouachita Trust Powers: No Bank Holding Company Bearden Bancshares, Inc., Bearden, AR Chm/Pres: Rick Green VP/Cash: Susan Lusby EVP: Ken Riley Cash and Due from: ......................................5,047 Federal Funds and Repos: ............................2,060 Investments:..................................................6,187 Total Loans: ................................................17,377 Premises and Fixed Assets: ...............................73 Other Real Estate:............................................... 0 Other Assets: ...................................................179 Total Assets: ...............................................30,923 Total Trust Assets: .............................................. 0 Deposits: .....................................................24,490 Federal Funds and Borrowings:........................... 0 Other Liabilities:................................................. 59 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................24,549 Total Equity Capital and Reserves:................6,374 Total Liabilities and Capital:.........................30,923 Number of Shares Outstanding: ....................8,300 Directors: John E. Anthony; Steven M. Anthony; O. D. Cathey; Rick Green; Kenneth D. Keeton; Ronald A. Ramsay; Russell G. Weatherly; Betty Word Branches in Town: None Other Branches: None The Union Bank of Benton Benton, AR VOICE: (501) 315-0411 207 West Conway Charter Number: 706 FAX: (501) 303-5433 P. O. Box 687 Date: January 11, 1954 Population: 18,177 72018-0687 County: Saline Home Page: http://www.unionbancshares.com Trust Powers: Yes Bank Holding Company Union Bancshares of Benton, Inc., Benton, AR Chm/CEO: Greg B. Brown TO: James Handley Pres: Mark Vanderpool Cash and Due from: ....................................17,004 Federal Funds and Repos: .................................. 0 Investments:..............................................123,286 Total Loans: ................................................68,520 Premises and Fixed Assets: ..........................3,074 Other Real Estate:............................................939 Other Assets: ................................................4,265 Total Assets: .............................................217,088 Total Trust Assets: ...........................................211 Deposits: ...................................................172,734 Federal Funds and Borrowings:...................20,748 Other Liabilities:.............................................1,869 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................195,351 Total Equity Capital and Reserves:..............21,737 Total Liabilities and Capital:.......................217,088 Number of Shares Outstanding: ..................72,940 Directors: Fred Briner; Greg B. Brown; Curtis Ferguson; Bud Finley; J. D. Harris; Susan Jester; Gary Keeter; Ron Kuerner; I. E. McCray, Jr.; Larry Mitchell; Mark Vanderpool; John Young Branches in Town: Three Other Branches: Bryant (2), Little Rock, Mabelvale Arkansas State Bank Department 38 Bank of Blevins Blevins, AR VOICE: (870) 874-2541 FAX: (870) 874-2631 Population: 253 5461 Highway 371 Charter Number: 385 P. O. Box 158 Date: August 12, 1912 71825-0158 County: Hempstead Trust Powers: No Bank Holding Company First National Bancshares of Hempstead County, Inc., Hope, AR Chm: Thomas E. Hays, Jr. Cash: Peggy Butler Pres: William E. Butler, Jr. Cash and Due from:......................................... 606 Federal Funds and Repos: .............................. 820 Investments: ................................................. 7,854 Total Loans:.................................................. 8,296 Premises and Fixed Assets:............................. 244 Other Real Estate: ............................................. 27 Other Assets:................................................... 174 Total Assets:............................................... 18,021 Total Trust Assets:............................................... 0 Deposits: .................................................... 15,779 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 95 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 15,874 Total Equity Capital and Reserves: ............... 2,147 Total Liabilities and Capital: ........................ 18,021 Number of Shares Outstanding:.................... 8,050 Directors: William E. Butler, Jr.; Thomas E. Hays, Jr.; Charles E. Sharpe, Jr.; Fred Wren Branches in Town: None Other Branches: None Farmers Bank And Trust Company Blytheville, AR VOICE: (870) 763-8101 400 West Main Charter Number: 253 FAX: (870) 763-3500 P. O. Box 688 Date: March 16, 1908 Population: 22,906 72316-0688 County: Mississippi Home Page: http://www.farmersbankbly.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Farmers Bancorp, Inc., Blytheville, AR Chm/CEO: Alvin Huffman, III SVP: Randy Scott Pres/COO: Steve Bell VP/TO: Ron Dawson Cash and Due from:...................................... 6,112 Federal Funds and Repos: .................................. 0 Investments: ............................................... 64,721 Total Loans:................................................ 98,624 Premises and Fixed Assets:.......................... 2,788 Other Real Estate: ............................................. 59 Other Assets:................................................ 3,004 Total Assets:............................................. 175,308 Total Trust Assets:...................................... 19,789 Deposits: .................................................. 147,434 Federal Funds and Borrowings: .................... 5,000 Other Liabilities: ............................................... 776 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 153,210 Total Equity Capital and Reserves: ............. 22,098 Total Liabilities and Capital: ...................... 175,308 Number of Shares Outstanding:.................. 40,000 Directors: Steve Bell; Paula O. Blackwell; Dale S. Briggs; Ronny Goff; Alvin Huffman, III; Gaylon M. Lawrence, Jr.; David Stone; Harold Sudbury, Jr. Branches in Town: Four Other Branches: Franklin[TN] Eighty-Ninth Report 39 First Western Bank Booneville, AR VOICE: (479) 675-2747 80 West Main Charter Number: 397 FAX: (479) 675-4477 P. O. Box 238 Date: April 18, 1910 Population: 3,804 72927-0238 County: Logan Home Page: http://www.firstwesternbank.net Trust Powers: Yes Bank Holding Company First Western Bancshares, Inc., Booneville, AR Chm/CEO: John T. Hampton Reg Pres: Shirley Young Reg Pres: Nathan E. Gairhan SVP/CFO: Lynne Coan Cash and Due from: ......................................6,379 Federal Funds and Repos: ............................9,455 Investments:................................................50,496 Total Loans: ..............................................144,883 Premises and Fixed Assets: ..........................5,507 Other Real Estate:............................................381 Other Assets: ................................................9,206 Total Assets: .............................................226,307 Total Trust Assets: .............................................. 0 Deposits: ...................................................173,509 Federal Funds and Borrowings:...................32,229 Other Liabilities:.............................................1,811 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................207,549 Total Equity Capital and Reserves:..............18,758 Total Liabilities and Capital:.......................226,307 Number of Shares Outstanding: ................154,341 Directors: Dr. Paul Becton, M.D.; Nathan E. Gairhan; John T. Hampton; Robert G. Harris; A. B. Littlefield, Jr.; Jack McHaney; Robert E. Remy; Jim C. Shearin; Howard L. Slinkard; Alan "Buddy" Sparks; Deanne Witherspoon, O.D.; Jane Woolley; Shirley Young Branches in Town: One Other Branches: Bella Vista, Bentonville, Caulksville, Fayetteville, Magazine, Rogers (2) Community State Bank Bradley, AR VOICE: (870) 894-3322 FAX: (870) 894-3324 Population: 585 208 West Fourth Street Charter Number: 653 P. O. Box 120 Date: April 10, 1933 71826-0120 County: Lafayette Trust Powers: No Bank Holding Company Community State Bancshares, Inc., Bradley, AR Chm: Jerry G. Hartline VP: Lane Pierce CEO/Pres: Gary R. Lankford Cash: Regina Wootton Cash and Due from: ......................................3,572 Federal Funds and Repos: ...............................415 Investments:..................................................1,902 Total Loans: ..................................................7,729 Premises and Fixed Assets: .............................199 Other Real Estate:............................................... 0 Other Assets: ...................................................227 Total Assets: ...............................................14,044 Total Trust Assets: .............................................. 0 Deposits: .....................................................12,448 Federal Funds and Borrowings:........................... 0 Other Liabilities:................................................. 52 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................12,500 Total Equity Capital and Reserves:................1,544 Total Liabilities and Capital:.........................14,044 Number of Shares Outstanding: ..................10,000 Directors: Jerry G. Hartline; Jeffery C. Hobbs; Gary R. Lankford; Lane Pierce Branches in Town: None Other Branches: None 40 Arkansas State Bank Department Bank of Brinkley Brinkley, AR VOICE: (870) 734-3133 FAX: (870) 734-3001 Population: 4,234 130 South New Orleans Charter Number: 110 P. O. Box 727 Date: January 17, 1903 72021-0727 County: Monroe Trust Powers: No Bank Holding Company Brinkley Bancshares, Inc., Brinkley, AR Chm/CEO: Albert H. Rusher EVP: Terry Singleterry Pres: Gus Rusher VP/Cash: Bently Manatt Cash and Due from:...................................... 6,842 Federal Funds and Repos: .................................. 0 Investments: ............................................... 63,627 Total Loans:................................................ 35,021 Premises and Fixed Assets:............................. 487 Other Real Estate: ............................................... 0 Other Assets:................................................ 2,456 Total Assets:............................................. 108,433 Total Trust Assets:............................................... 0 Deposits: .................................................... 83,341 Federal Funds and Borrowings: .................... 7,400 Other Liabilities: ............................................... 438 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 91,179 Total Equity Capital and Reserves: ............. 17,254 Total Liabilities and Capital: ...................... 108,433 Number of Shares Outstanding:.................. 24,000 Directors: Jimmy Carroll; Steve Fowler; Doug Hunt; Albert H. Rusher; Gus Rusher; Fred Schaefer Branches in Town: None Other Branches: None Community Bank Cabot, AR VOICE: (501) 843-3575 FAX: (501) 843-0466 Population: 8,319 2171 West Main Charter Number: 120 P. O. Box 1028 Date: March 23, 1903 72023-1028 County: Lonoke Trust Powers: Yes Bank Holding Company Community Financial Group, Inc., Cabot, AR Chm: William G. Thompson Pres: Tino Jones CEO: Tracy M. French Cash and Due from:.................................... 11,894 Federal Funds and Repos: .................................. 0 Investments: ............................................... 86,948 Total Loans:.............................................. 186,174 Premises and Fixed Assets:.......................... 8,769 Other Real Estate: ........................................ 2,717 Other Assets:................................................ 8,417 Total Assets:............................................. 304,919 Total Trust Assets:...................................... 32,558 Deposits: .................................................. 255,474 Federal Funds and Borrowings: .................. 17,746 Other Liabilities: ............................................ 3,363 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 276,583 Total Equity Capital and Reserves: ............. 28,336 Total Liabilities and Capital: ...................... 304,919 Number of Shares Outstanding:.................. 25,000 Directors: Dearl Dixon; Cathy Eoff-Tiratto; Tracy M. French; Jerry Jones; Tino Jones; Mark Lowman; James A. Matthews; Gerald H. Shock; William G. Thompson; Stephen P. Tipton; Jerry Waymack; Larry Wood; Joan R. Zumwalt Branches in Town: Three Other Branches: Beebe, Jacksonville (2), Sherwood, Ward Eighty-Ninth Report 41 First Bank of South Arkansas Camden, AR VOICE: (870) 837-8300 FAX: (870) 837-8310 Population: 14,380 1325 Highway 278 Bypass Charter Number: 660 P. O. Box 10 Date: August 28, 1933 71711 County: Ouachita Trust Powers: No Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm/CEO: Searcy W. Harrell, Jr. EVP: Jonathan W. Harrell Pres: John F. Marsh Cash: Barbara Daniels Cash and Due from: ......................................3,201 Federal Funds and Repos: ............................2,335 Investments:................................................20,841 Total Loans: ................................................61,000 Premises and Fixed Assets: ..........................2,204 Other Real Estate:............................................240 Other Assets: ................................................1,789 Total Assets: ...............................................91,610 Total Trust Assets: .............................................. 0 Deposits: .....................................................77,876 Federal Funds and Borrowings:.....................4,124 Other Liabilities:............................................... 344 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................82,344 Total Equity Capital and Reserves:................9,266 Total Liabilities and Capital:.........................91,610 Number of Shares Outstanding: ..................30,000 Directors: Harold W. Campbell; Randall W. Crowder; Phillip J. Foster; Alvin Green; Jonathan W. Harrell; Searcy W. Harrell, Jr.; Paul E. Lindsey; John F. Marsh; Richard Mosley; John David Neeley Branches in Town: Two Other Branches: Junction City Bank of Cave City Cave City, AR VOICE: (870) 283-5301 FAX: (870) 283-6466 Population: 1,503 133 South Main Street Charter Number: 209 P. O. Box 490 Date: July 2, 1906 72521-0490 County: Sharp Trust Powers: Yes Bank Holding Company Sharp Bancshares, Inc., Cave City, AR Chm: Eugene Street SVP: Gayla Hickman CEO/Pres/TO: Samuel F. Beller SVP/Cash: Wanda Daniel Cash and Due from: ......................................4,074 Federal Funds and Repos: ............................4,510 Investments:................................................17,244 Total Loans: ................................................69,242 Premises and Fixed Assets: ..........................1,241 Other Real Estate:............................................725 Other Assets: ................................................4,262 Total Assets: .............................................101,298 Total Trust Assets: .............................................. 0 Deposits: .....................................................88,355 Federal Funds and Borrowings:.....................3,718 Other Liabilities:.............................................1,232 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................93,305 Total Equity Capital and Reserves:................7,993 Total Liabilities and Capital:.......................101,298 Number of Shares Outstanding: ....................4,000 Directors: Samuel F. Beller; Dennis Esteb; Margie Pettersen; Bruce Street; Eugene Street; Scott Street Branches in Town: None Other Branches: Evening Shade, Lynn Arkansas State Bank Department 42 The Merchants and Planters Bank Clarendon, AR VOICE: (870) 747-3319 FAX: (870) 747-3498 Population: 2,072 297 Madison P. O. Box 280 72029-0280 Trust Powers: No Bank Holding Company Clarendon Holding Co., Clarendon, AR Chm: J. Baxter Sharp, III Cash: Estelle Catlett Pres: J. Kendall Henry Cash and Due from:...................................... 2,574 Federal Funds and Repos: ........................... 1,690 Investments: ............................................... 14,171 Total Loans:.................................................. 9,751 Premises and Fixed Assets:............................. 539 Other Real Estate: ............................................... 0 Other Assets:................................................... 396 Total Assets:............................................... 29,121 Total Trust Assets:............................................... 0 Charter Number: 21 Date: July 23, 1890 County: Monroe Deposits: .................................................... 24,992 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 306 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 25,298 Total Equity Capital and Reserves: ............... 3,823 Total Liabilities and Capital: ........................ 29,121 Number of Shares Outstanding:.................... 5,660 Directors: Donald A. Davis; Rheta Griffith; J. Kendall Henry; B. J. Hopson; J. Baxter Sharp, III Branches in Town: None Other Branches: None Farmers Bank and Trust Company Clarksville, AR VOICE: (479) 754-2020 FAX: (479) 754-3492 Population: 5,833 Chm/CEO: Cole Martin Pres/TO: Lee White 214 West Main Street P. O. Box 288 72830-0288 Trust Powers: Yes Bank Holding Company First Security Bancorp, Searcy, AR SVP: Nina Mason Cash and Due from:...................................... 7,137 Federal Funds and Repos: ......................... 14,265 Investments: ............................................... 60,587 Total Loans:................................................ 40,177 Premises and Fixed Assets:.......................... 2,017 Other Real Estate: ........................................... 241 Other Assets:................................................ 2,998 Total Assets:............................................. 127,422 Total Trust Assets:........................................ 2,668 Charter Number: 737 Date: July 6, 1978 County: Johnson Deposits: .................................................. 110,171 Federal Funds and Borrowings: .................... 1,326 Other Liabilities: ............................................... 922 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 112,419 Total Equity Capital and Reserves: ............. 15,003 Total Liabilities and Capital: ...................... 127,422 Number of Shares Outstanding:.................... 5,495 Directors: Herman Houston; Cole Martin; Steve Morgan; Dayne Phillips; Bill Porter; Reynie Rutledge; Lee White Branches in Town: One Other Branches: Coal Hill Eighty-Ninth Report 43 First Security Bank of Conway Conway, AR VOICE: (501) 450-9800 1001 Front Street Charter Number: 779 FAX: (501) 450-1899 P. O. Box 938 Date: April 15, 1999 Population: 26,481 72033 County: Faulkner Home Page: http://www.firstcommunitybank.org Trust Powers: No Member of Federal Reserve System Bank Holding Company First Security Bancorp, Searcy, AR Chm: Linda Linn EVP: Johnny Adams CEO/Pres: J. Mark Ferguson EVP: Mike Baldwin Cash and Due from: ....................................17,736 Federal Funds and Repos: ...............................940 Investments:................................................40,329 Total Loans: ..............................................192,771 Premises and Fixed Assets: ..........................9,535 Other Real Estate:..............................................32 Other Assets: ................................................3,860 Total Assets: .............................................265,203 Total Trust Assets: .............................................. 0 Deposits: ...................................................231,996 Federal Funds and Borrowings:...................10,386 Other Liabilities:............................................... 718 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................243,100 Total Equity Capital and Reserves:..............22,103 Total Liabilities and Capital:.......................265,203 Number of Shares Outstanding: ..................54,000 Directors: Richard Arnold; Jack Bell; George E. Covington; Hal Crafton; J. Mark Ferguson; John Hawks, Jr.; Linda Linn; Robert Rook; Reynie Rutledge; Joe White Branches in Town: Five Other Branches: Greenbrier First State Bank Conway, AR VOICE: (501) 328-4663 FAX: (501) 328-4601 Population: 26,481 620 Chestnut Street Charter Number: 118 P. O. Box 966 Date: May 12, 1903 72032 County: Faulkner Home Page: http://www.fsbhome.com Trust Powers: Yes Bank Holding Company Home BancShares, Inc., Conway, AR Chm: John W. Allison EVP: Kevin Hester CEO/Pres: C. Randall Sims EVP: Randy E. Mayor Cash and Due from: ....................................40,415 Federal Funds and Repos: .................................. 0 Investments:................................................41,921 Total Loans: ..............................................299,435 Premises and Fixed Assets: ..........................9,673 Other Real Estate:..............................................21 Other Assets: ................................................6,936 Total Assets: .............................................398,401 Total Trust Assets: .............................................. 0 Deposits: ...................................................298,144 Federal Funds and Borrowings:...................49,731 Other Liabilities:.............................................1,487 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................349,362 Total Equity Capital and Reserves:..............49,039 Total Liabilities and Capital:.......................398,401 Number of Shares Outstanding: ....................2,400 Directors: John W. Allison; William C. Brazil; Dale Bruns; Jack Engelkes; William J. Farris, Jr.; Kevin Hester; Randy E. Mayor; Jim Rankin; William R. Reynolds; C. Randall Sims Branches in Town: Five Other Branches: Greenbrier, Holly Grove, Mayflower, Vilonia 44 Arkansas State Bank Department First State Bank Crossett, AR VOICE: (870) 364-5131 FAX: (870) 364-6329 Population: 6,282 200 Pine Street Charter Number: 718 P. O. Box 638 Date: May 13, 1963 71635-0638 County: Ashley Trust Powers: No Bank Holding Company Evergreen Bancshares, Inc., Crossett, AR Chm: Richard E. Griffin SVP: Cheryl Goodwin CEO/Pres: Nicholas J. Horner SVP: Jeanie Parker Cash and Due from:...................................... 3,941 Federal Funds and Repos: ........................... 2,870 Investments: ................................................. 4,778 Total Loans:................................................ 17,429 Premises and Fixed Assets:.......................... 1,878 Other Real Estate: ........................................... 506 Other Assets:................................................... 879 Total Assets:............................................... 32,281 Total Trust Assets:............................................... 0 Deposits: .................................................... 29,540 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 64 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 29,604 Total Equity Capital and Reserves: ............... 2,677 Total Liabilities and Capital: ........................ 32,281 Number of Shares Outstanding:................ 100,000 Directors: Richard E. Griffin; Nicholas J. Horner; Larry W. Johnson; Dale Martinie; Harry D. Stephens; Henry M. Thomas; Raymond J. Traylor, Jr.; Barney White Branches in Town: Two Other Branches: None Chambers Bank Danville, AR VOICE: (479) 495-2236 FAX: (479) 495-4650 Population: 1,585 901 Main P. O. Box 609 72833-0609 Trust Powers: No Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm/CEO: John Ed Chambers, III EVP: Bill Donnell Pres: Edward J. Taylor SVP: Zelta Bell Cash and Due from:.................................... 12,606 Federal Funds and Repos: .................................. 0 Investments: ............................................... 28,350 Total Loans:.............................................. 353,993 Premises and Fixed Assets:.......................... 5,269 Other Real Estate: ........................................ 1,404 Other Assets:.............................................. 19,904 Total Assets:............................................. 421,526 Total Trust Assets:............................................... 0 Charter Number: 615 Date: October 3, 1930 County: Yell Deposits: .................................................. 302,959 Federal Funds and Borrowings: .................. 69,304 Other Liabilities: ............................................ 1,798 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 374,061 Total Equity Capital and Reserves: ............. 47,465 Total Liabilities and Capital: ...................... 421,526 Number of Shares Outstanding:.................. 10,000 Directors: Thomas Akin; John Ed Chambers, III; Bill Donnell; Fay Mathis; James C. Pledger; Robert R. Redfern; Edward J. Taylor; Robert Y. Taylor Branches in Town: None Other Branches: Amity, Fort Smith (2), Havana, Hot Springs, Hot Springs Village, Kirby, Mansfield, Mena, Waldron Eighty-Ninth Report 45 Bank of Dardanelle Dardanelle, AR VOICE: (479) 229-3311 FAX: (479) 229-4180 Population: 3,722 102 North Front Street Charter Number: 668 P. O. Box 577 Date: September 12, 1934 72834-0577 County: Yell Trust Powers: Yes Bank Holding Company Bank of Dardanelle Bankshares, Inc., Dardanelle, AR Chm/Pres: Ronald L. Taylor Cash: Janelle Parker Cash and Due from: ......................................6,404 Federal Funds and Repos: ..........................17,215 Investments:................................................17,197 Total Loans: ................................................79,059 Premises and Fixed Assets: ..........................3,922 Other Real Estate:............................................887 Other Assets: ................................................3,667 Total Assets: .............................................128,351 Total Trust Assets: .............................................. 0 Deposits: ...................................................114,505 Federal Funds and Borrowings:........................... 0 Other Liabilities:............................................... 404 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................114,909 Total Equity Capital and Reserves:..............13,442 Total Liabilities and Capital:.......................128,351 Number of Shares Outstanding: ....................8,000 Directors: Thomas C. Berryhill; Bunny Bullock; Tom Ed Bullock; William R. Bullock, Sr.; Fanny George; Dee Longenbaugh; Ronald L. Taylor Branches in Town: One Other Branches: Atkins, Danville, Dover, Russellville (2) Decatur State Bank Decatur, AR VOICE: (479) 752-3281 Hwy. 59 North Charter Number: 707 FAX: (479) 752-8154 P. O. Box 38 Date: May 27, 1954 Population: 918 72722-0038 County: Benton Home Page: http://www.decaturstatebank.com Trust Powers: No Bank Holding Company Peterson Holding Company, Decatur, AR Chm: Lloyd E. Peterson Cash: Wanda Tormey CEO/Pres: Vernon L. Austin Cash and Due from: ......................................5,910 Federal Funds and Repos: .................................. 0 Investments:................................................22,449 Total Loans: ..............................................105,942 Premises and Fixed Assets: ..........................2,449 Other Real Estate:............................................422 Other Assets: ................................................3,581 Total Assets: .............................................140,753 Total Trust Assets: .............................................. 0 Deposits: .....................................................86,404 Federal Funds and Borrowings:...................35,911 Other Liabilities:............................................... 412 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................122,727 Total Equity Capital and Reserves:..............18,026 Total Liabilities and Capital:.......................140,753 Number of Shares Outstanding: ....................7,000 Directors: Vernon L. Austin; Larry D. Curran; Tom M. Edmiston; L. Vic Evans; Paul Galyean; Aaron Holcombe; R. Mark Londagin; Lloyd E. Peterson; Richard E. Wilmoth Branches in Town: None Other Branches: Gentry, Siloam Springs Arkansas State Bank Department 46 Bank of Delight Delight, AR VOICE: (870) 379-2293 FAX: (870) 379-2575 Population: 311 Chm: Clarence Anthony CEO/Pres: Darwin Hendrix 503 East Antioch P. O. Box 68 71940-0068 Trust Powers: No Bank Holding Company None EVP: Kent Hendrix VP: Rusty Silvey Cash and Due from:...................................... 6,166 Federal Funds and Repos: ........................... 1,525 Investments: ............................................... 24,635 Total Loans:................................................ 42,325 Premises and Fixed Assets:............................. 281 Other Real Estate: ............................................... 0 Other Assets:................................................... 847 Total Assets:............................................... 75,779 Total Trust Assets:............................................... 0 Charter Number: 342 Date: June 16, 1911 County: Pike Deposits: .................................................... 62,620 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 271 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 62,891 Total Equity Capital and Reserves: ............. 12,888 Total Liabilities and Capital: ........................ 75,779 Number of Shares Outstanding:.................. 18,750 Directors: Clarence Anthony; Gary Chambliss; Buford Hendrix; Darwin Hendrix; Kent Hendrix; Cecil E. Johnson, III; Larry May; Jerry Milam; Rusty Silvey Branches in Town: None Other Branches: Prescott First State Bank of DeQueen DeQueen, AR VOICE: (870) 642-4423 FAX: (870) 642-2847 Population: 4,633 402 West Collin Raye Drive Charter Number: 731 P. O. Box 970 Date: August 26, 1974 71832-0970 County: Sevier Trust Powers: No Member of Federal Reserve System Bank Holding Company First State Bancshares, Inc., DeQueen, AR Chm: Dennis Smiley EVP: Noel Bard CEO/Pres: Gary L. Golden Cash and Due from:...................................... 5,274 Federal Funds and Repos: .................................. 0 Investments: ................................................. 5,716 Total Loans:................................................ 26,848 Premises and Fixed Assets:.......................... 3,022 Other Real Estate: ............................................. 14 Other Assets:................................................ 1,113 Total Assets:............................................... 41,987 Total Trust Assets:............................................... 0 Deposits: .................................................... 35,530 Federal Funds and Borrowings: .................... 2,127 Other Liabilities: ............................................... 153 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 37,810 Total Equity Capital and Reserves: ............... 4,177 Total Liabilities and Capital: ........................ 41,987 Number of Shares Outstanding:.................. 76,000 Directors: Gary Bell; Julie Brown; Gary L. Golden; Lou Ellen Gray; Robert S. Harris; Ronald Moore; Edward Revels; Dennis Smiley; Don Stemple; Doug Suttle Branches in Town: One Other Branches: Lockesburg Eighty-Ninth Report 47 DeWitt Bank And Trust Company DeWitt, AR VOICE: (870) 946-3531 FAX: (870) 946-2815 Population: 3,553 Chm: Nancy F. Rosco EVP: Gary Oltmann Second and Jefferson Streets Charter Number: 605 P. O. Drawer 71 Date: March 1, 1929 72042-0071 County: Arkansas Trust Powers: Yes Bank Holding Company DBT Financial Corporation, DeWitt, AR VP/TO: David Jessup Cash and Due from: ......................................2,725 Federal Funds and Repos: ............................3,400 Investments:................................................23,988 Total Loans: ..............................................125,905 Premises and Fixed Assets: .............................951 Other Real Estate:............................................... 0 Other Assets: ................................................4,070 Total Assets: .............................................161,039 Total Trust Assets: ......................................26,971 Deposits: ...................................................138,819 Federal Funds and Borrowings:........................... 0 Other Liabilities:............................................... 795 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................139,614 Total Equity Capital and Reserves:..............21,425 Total Liabilities and Capital:.......................161,039 Number of Shares Outstanding: ..................54,000 Directors: E. E. Denman; Donald Ray Dickson; Rebecca Ehrlicher; James L. Fly, Jr.; Alton R. Hampton; Charles E. Lumsden; Carolyn F. Pryor; Nancy F. Rasco; Jack Whitmore Branches in Town: None Other Branches: None Merchants & Farmers Bank Dumas, AR VOICE: (870) 382-4311 FAX: (870) 382-5901 Population: 5,520 130 West Waterman Street Charter Number: 278 P. O. Box 187 Date: May 10, 1909 71639-0187 County: Desha Trust Powers: Yes Bank Holding Company M & F Financial Corporation, Dumas, AR Chm/COO: L. Ashton Adcock EVP: Betty B. Trites CEO/Pres: J. Michael Jones TO: Glenda B. Owen Cash and Due from: ......................................7,609 Federal Funds and Repos: .................................. 0 Investments:................................................25,164 Total Loans: ................................................38,191 Premises and Fixed Assets: ..........................1,534 Other Real Estate:............................................... 0 Other Assets: ................................................1,510 Total Assets: ...............................................74,008 Total Trust Assets: ......................................16,999 Deposits: .....................................................61,944 Federal Funds and Borrowings:.....................2,920 Other Liabilities:............................................... 209 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................65,073 Total Equity Capital and Reserves:................8,935 Total Liabilities and Capital:.........................74,008 Number of Shares Outstanding: ..................40,000 Directors: L. Ashton Adcock; Jimmie L. Appleberry; Benny M. Estes; Claud T. Frank; Bruce Gasaway; Marion S. Gill; J. Michael Jones; William W. Shea; David Walt Branches in Town: One Other Branches: None 48 Arkansas State Bank Department First Financial Bank El Dorado, AR VOICE: (870) 863-7000 FAX: (870) 881-5393 Population: 23,146 214 North Washington Street Charter Number: 778 P. O. Box 1754 Date: April 15, 1999 71730-1754 County: Union Trust Powers: No Member of Federal Reserve System Bank Holding Company First Financial Banc Corporation, El Dorado, AR Chm: Edwin B. Alderson, Jr. Pres: Rodney Landes CEO: J. Stephen Cameron COO: Jerry Bullard Cash and Due from:.................................... 27,066 Federal Funds and Repos: .................................. 0 Investments: ............................................... 15,475 Total Loans:.............................................. 376,478 Premises and Fixed Assets:.......................... 3,571 Other Real Estate: ........................................... 822 Other Assets:.............................................. 42,033 Total Assets:............................................. 465,445 Total Trust Assets:............................................... 0 Deposits: .................................................. 363,475 Federal Funds and Borrowings: .................. 65,045 Other Liabilities: ............................................ 2,228 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 430,748 Total Equity Capital and Reserves: ............. 34,697 Total Liabilities and Capital: ...................... 465,445 Number of Shares Outstanding:................ 597,417 Directors: Edwin B. Alderson, Jr.; Jerry Bullard; J. Stephen Cameron; Chris Hegi; Robert Merkle; John D. Milam; James M. Moore, Jr.; Dr. Robert M. Murfee; Margaret M. Niel; Jeffrey W. Nolan; William C. Nolan, Jr.; Gary W. Sewell; Dr. Stephen C. Smart; Louis Knox White Branches in Town: Four Other Branches: Smackover Timberland Bank El Dorado, AR VOICE: (870) 862-5900 2421 North West Avenue Charter Number: 785 FAX: (870) 862-5432 P. O. Box 7205 Date: August 22, 2000 Population: 23,146 71730 County: Union Home Page: http://www.TimberlandBank.Net Trust Powers: No Bank Holding Company Timberland Bancshares, Inc., El Dorado, AR Pres: Tandy Menefee SVP: Mark Turner SVP: Carolyn Beavers Cash and Due from:...................................... 3,002 Federal Funds and Repos: ........................... 4,655 Investments: ................................................. 8,067 Total Loans:................................................ 78,333 Premises and Fixed Assets:............................. 924 Other Real Estate: ........................................... 161 Other Assets:................................................ 1,398 Total Assets:............................................... 96,540 Total Trust Assets:............................................... 0 Deposits: .................................................... 85,198 Federal Funds and Borrowings: ....................... 846 Other Liabilities: ............................................... 641 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 86,685 Total Equity Capital and Reserves: ............... 9,855 Total Liabilities and Capital: ........................ 96,540 Number of Shares Outstanding:.................. 18,789 Directors: Rolan Brevard; Walter Felton; John Hays; John Lowery, Jr.; Bob McBrayer; Tandy Menefee; Alan R. Morgan; L. Andrew Sheppard Branches in Town: None Other Branches: None Eighty-Ninth Report 49 Bank of England England, AR VOICE: (501) 842-2555 FAX: (501) 842-2422 Population: 3,351 123 South Main Street Charter Number: 48 P. O. Box 70 Date: August 8, 1898 72046-0070 County: Lonoke Trust Powers: No Bank Holding Company MHBC Investments Limited Partnership, I, England, AR Chm/CEO/Pres: Gary Canada VP: Bobby Montgomery EVP: Hanna B. Canada Cash: Sheila Rice Cash and Due from: ......................................2,747 Federal Funds and Repos: .................................. 0 Investments:................................................14,980 Total Loans: ................................................72,604 Premises and Fixed Assets: ..........................1,838 Other Real Estate:..............................................65 Other Assets: ................................................3,905 Total Assets: ...............................................96,139 Total Trust Assets: .............................................. 0 Deposits: .....................................................80,467 Federal Funds and Borrowings:.....................6,590 Other Liabilities:.............................................1,021 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................88,078 Total Equity Capital and Reserves:................8,061 Total Liabilities and Capital:.........................96,139 Number of Shares Outstanding: ..................10,000 Directors: James Neal Anderson; Brad Canada; Gary Canada; Hanna B. Canada; Gary Canada, Jr.; Samuel C. Cobb; Leon Hill; Nicole Canada Stewart Branches in Town: One Other Branches: Carlisle, Lonoke, Scott The Eudora Bank Eudora, AR VOICE: (870) 355-8311 FAX: (870) 355-8509 Population: 3,155 111 North Main Street Charter Number: 629 P. O. Box 250 Date: December 23, 1930 71640-0250 County: Chicot Trust Powers: No Bank Holding Company Delta Bancshares of Louisiana, Inc., Eudora, AR Chm: Charles F. Poole EVP: Julie Petty CEO/Pres: Gene Keith Cash and Due from: ......................................2,373 Federal Funds and Repos: ...............................285 Investments:..................................................9,737 Total Loans: ................................................17,242 Premises and Fixed Assets: .............................150 Other Real Estate:............................................... 0 Other Assets: ...................................................412 Total Assets: ...............................................30,199 Total Trust Assets: .............................................. 0 Deposits: .....................................................27,050 Federal Funds and Borrowings:........................... 0 Other Liabilities:............................................... 235 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................27,285 Total Equity Capital and Reserves:................2,914 Total Liabilities and Capital:.........................30,199 Number of Shares Outstanding: ..................14,000 Directors: Kay Avery; Robert D. Avery; Fred W. Hensley; Roger Hensley, Sr.; Gene Keith; Charles F. Poole; W. R. Selman Branches in Town: None Other Branches: None 50 Arkansas State Bank Department Bank of Eureka Springs Eureka Springs, AR VOICE: (479) 253-8241 FAX: (479) 253-6947 Population: 1,900 70 South Main Charter Number: 374 P. O. Box 309 Date: May 4, 1912 72632-0309 County: Carroll Trust Powers: No Bank Holding Company Eureka Bancshares, Inc., Eureka Springs, AR Chm/CEO: John F. Cross Cash: Reba Pyatt Pres: Charles T. Cross Cash and Due from:...................................... 2,325 Federal Funds and Repos: ........................... 8,865 Investments: ............................................... 17,677 Total Loans:................................................ 57,018 Premises and Fixed Assets:.......................... 3,325 Other Real Estate: ............................................. 93 Other Assets:................................................ 3,725 Total Assets:............................................... 93,028 Total Trust Assets:............................................... 0 Deposits: .................................................... 71,268 Federal Funds and Borrowings: .................. 11,025 Other Liabilities: ............................................... 270 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 82,563 Total Equity Capital and Reserves: ............. 10,465 Total Liabilities and Capital: ........................ 93,028 Number of Shares Outstanding:.................... 4,000 Directors: James D. Bird; Genes L. Bland; Andrew J. Clark; Charles T. Cross; Claude C. Cross; John F. Cross; Ruth F. Cross; Lewis E. Epley, Jr.; William E. Goff; Rex A. Gustin; Michael Mathews; Archie B. Ryan, Jr.; Randy Wolfinbarger Branches in Town: One Other Branches: Holiday Island (2) Eighty-Ninth Report 51 Arvest Bank Fayetteville, AR VOICE: (479) 575-1000 FAX: (479) 575-1061 Population: 42,099 One McIlroy Plaza Charter Number: 31 P. O. Box 1327 Date: December 24, 1892 72702-1327 County: Washington Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Arvest Holdings, Inc., Bentonville, AR Chm/CEO: Jim C. Walton EVP: Phillip O. Porter EVP: J. Robert Kelly COO: K. Kevin Sabin Cash and Due from: ..................................265,850 Federal Funds and Repos: ........................314,525 Investments:..............................................584,457 Total Loans: ...........................................3,612,751 Premises and Fixed Assets: ......................137,166 Other Real Estate:.........................................5,900 Other Assets: ............................................186,787 Total Assets: ..........................................5,107,436 Total Trust Assets: .............................................. 0 Deposits: ................................................4,425,173 Federal Funds and Borrowings:.................214,330 Other Liabilities:...........................................51,477 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................4,690,980 Total Equity Capital and Reserves:............416,456 Total Liabilities and Capital:....................5,107,436 Number of Shares Outstanding: ................350,692 Directors: Scott Grigsby; J. Robert Kelly; Bradley Krieger; Mel Parks; Phillip O. Porter; K. Kevin Sabin; Burton E. Stacy, Sr.; Ron W. Strother; Jim C. Walton Branches in Town: Seven Other Branches: Anderson[MO], Bartlesville[OK] (5), Bella Vista (3), Bentonville (5), Berryville (2), Broken Arrow[OK] (3), Bryant, Cabot, Carthage[MO] (2), Centerton, Choctaw[OK], Del City[OK], Dewey[OK] (2), Duncan[OK] (3), Edmond[OK] (3), Elkins, Eureka Springs, Farmington, Fort Smith (4), Gentry, George Town[Cayman Islands], Gravette, Harrison, Hindsville, Holiday Island, Huntsville, Jay[OK], Joplin[MO] (5), Kansas [OK], Lawton[OK] (3), Lincoln, Little Rock (6), Lowell, Moore[OK], Neosho[MO] (2), Noel[MO], Norman[OK] (6), North Little Rock, Nowata[OK] (2), Oklahoma City[OK] (9), Owasso[OK], Pea Ridge, Prairie Grove (2), Rogers (5), Sapulpa[OK], Shawnee[OK] (3), Shell Knob[MO], Sherwood, Siloam Springs (2), Springdale (5), Stilwell[OK], Tulsa[OK] (14), Van Buren (2), Walters[OK], Webb City[MO], West Fork, Westville[OK], Yukon[OK] Arkansas State Bank Department 52 Community Bank of North Arkansas Fayetteville, AR VOICE: (479) 973-2265 FAX: (479) 973-2201 Population: 42,099 1685 East Joyce Blvd. 72703 Charter Number: 377 Date: June 1, 1912 County: Washington Trust Powers: No Bank Holding Company Community Investment, Inc., Fayetteville, AR Chm/CEO/Pres: Robert Y. Taylor SVP: Bob Harrison EVP: P. Doug Lynch Cash and Due from:...................................... 7,806 Federal Funds and Repos: ........................... 1,480 Investments: ............................................... 10,901 Total Loans:.............................................. 176,226 Premises and Fixed Assets:.......................... 4,260 Other Real Estate: ........................................... 558 Other Assets:................................................ 9,823 Total Assets:............................................. 211,054 Total Trust Assets:............................................... 0 Deposits: .................................................. 167,120 Federal Funds and Borrowings: .................. 20,000 Other Liabilities: ............................................... 681 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 187,801 Total Equity Capital and Reserves: ............. 23,253 Total Liabilities and Capital: ...................... 211,054 Number of Shares Outstanding:.................. 10,000 Directors: Shirley Blackston; Joyce R. Bunch; John Ed Chambers, III; J. T. Compton; Kathy Counce; Stan Green; Gerald Harp; Gerald Johnston; H. Phil Phillips, Jr.; Neil Schmitt; Robert Y. Taylor; Nolan Williams Branches in Town: One Other Branches: Elkins (2), Goshen, Rogers, Springdale (2) Fordyce Bank & Trust Company Fordyce, AR VOICE: (870) 352-3107 FAX: (870) 352-5202 Population: 4,729 200 West Fourth Street 71742-2202 Charter Number: 631 Date: January 5, 1931 County: Dallas Trust Powers: Yes Bank Holding Company FBT Bancshares, Inc., Fordyce, AR Chm/CEO/Pres/TO: James V. Hulse, Jr. EVP: Don Lyle EVP: Suzette Crutchfield SVP/Cash: Wanda Smurl Cash and Due from:...................................... 4,930 Federal Funds and Repos: ........................... 3,000 Investments: ............................................... 10,882 Total Loans:................................................ 61,618 Premises and Fixed Assets:.......................... 1,966 Other Real Estate: ............................................... 0 Other Assets:................................................ 2,008 Total Assets:............................................... 84,404 Total Trust Assets:........................................ 1,010 Deposits: .................................................... 70,251 Federal Funds and Borrowings: .................... 6,754 Other Liabilities: ............................................... 322 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 77,327 Total Equity Capital and Reserves: ............... 7,077 Total Liabilities and Capital: ........................ 84,404 Number of Shares Outstanding:.................... 8,000 Directors: Joe D. Barnes; Suzette Crutchfield; J. W. Hearnsberger; James V. Hulse, Jr.; Melvin Jackson; Roy McClain; John N. Summers; Charles B. Trussell; Clyde Williams Branches in Town: One Other Branches: Rison, White Hall Eighty-Ninth Report 53 Planters & Merchants Bank Gillett, AR VOICE: (870) 548-2211 FAX: (870) 548-2220 Population: 883 210 West Main Charter Number: 721 P. O. Box 357 Date: January 13, 1967 72055-0357 County: Arkansas Trust Powers: Yes Bank Holding Company Planters & Merchants Bancshares, Inc., Gillett, AR Chm: Frank C. Wolfe VP: Carl Gunter CEO/Pres/TO: Larry E. Bauer Cash: Alice Perritt Cash and Due from: ......................................2,458 Federal Funds and Repos: ...............................795 Investments:................................................10,041 Total Loans: ................................................12,463 Premises and Fixed Assets: .............................512 Other Real Estate:..............................................77 Other Assets: ................................................1,116 Total Assets: ...............................................27,462 Total Trust Assets: ........................................1,514 Deposits: .....................................................23,933 Federal Funds and Borrowings:........................... 0 Other Liabilities:............................................... 127 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................24,060 Total Equity Capital and Reserves:................3,402 Total Liabilities and Capital:.........................27,462 Number of Shares Outstanding: ..................12,000 Directors: Larry E. Bauer; Johnny Holzhauer; Scott Place; Darrall A. Richter; Larry Smith; Bobby Turner; Frank C. Wolfe; Monty Young Branches in Town: None Other Branches: None Arkansas Diamond Bank Glenwood, AR VOICE: (870) 356-2121 Broadway and Pulliam Charter Number: 398 FAX: (870) 356-2211 P. O. Box 800 Date: December 27, 1912 Population: 1,354 71943-0800 County: Pike Home Page: http://www.arkansasdiamondbank.com Trust Powers: No Bank Holding Company Bainum Bancorp, Glenwood, AR Chm: Timothy E. Bainum SVP: Lynda Robbins CEO/Pres: Harold A. Smith VP/Cash: Patricia Owens Cash and Due from: ......................................4,035 Federal Funds and Repos: ............................3,950 Investments:................................................31,849 Total Loans: ................................................63,081 Premises and Fixed Assets: ..........................2,970 Other Real Estate:..............................................27 Other Assets: ................................................2,222 Total Assets: .............................................108,134 Total Trust Assets: .............................................. 0 Deposits: .....................................................91,458 Federal Funds and Borrowings:.....................6,009 Other Liabilities:............................................... 190 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................97,657 Total Equity Capital and Reserves:..............10,477 Total Liabilities and Capital:.......................108,134 Number of Shares Outstanding: ..................44,000 Directors: Duke Bainum; Evea J. Bainum; Timothy E. Bainum; Richard L. Cox; Larry Mitchell; Harold A. Smith; Phillip Smith; L. J. Warneke Branches in Town: One Other Branches: Hot Springs, Mena, Mount Ida Arkansas State Bank Department 54 Bank of Gravett Gravette, AR VOICE: (479) 787-5251 FAX: (479) 787-6102 Population: 1,412 211 SE Main Street Charter Number: 46 P. O. Box 149 Date: February 28, 1898 72736-0149 County: Benton Trust Powers: No Bank Holding Company Gravett Bancshares, Inc., Gravette, AR CEO/Pres: John R. Meade VP: Jim A. Edmonson EVP: David N. Wills VP: Malcolm Winters Cash and Due from:...................................... 8,362 Federal Funds and Repos: ......................... 13,150 Investments: ............................................... 44,232 Total Loans:.............................................. 111,170 Premises and Fixed Assets:.......................... 3,083 Other Real Estate: ............................................. 40 Other Assets:................................................ 5,342 Total Assets:............................................. 185,379 Total Trust Assets:............................................... 0 Deposits: .................................................. 164,750 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 286 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 165,036 Total Equity Capital and Reserves: ............. 20,343 Total Liabilities and Capital: ...................... 185,379 Number of Shares Outstanding:.................... 4,000 Directors: George Cowgur; Albert P. Dunagin; Sharron Edmondson; Jim A. Edmonson; Bill R. Meade; John R. Meade; David N. Wills Branches in Town: One Other Branches: Hiwasse First Service Bank Greenbrier, AR VOICE: (501) 679-7300 FAX: (501) 679-6461 Population: 2,130 134 South Broadview P. O. Box 430 72058-0430 Charter Number: 732 Date: October 15, 1976 County: Faulkner Home Page: http://www.FirstServiceBank.com Trust Powers: No Bank Holding Company First Service Bancshares, Inc., Dermott, AR Chm: Daniel C. Horton Reg Pres: Phillip Ellis CEO/Pres: Thomas H. Grumbles SVP: Marilyn Battles Cash and Due from:...................................... 4,090 Federal Funds and Repos: .................................. 0 Investments: ............................................... 14,101 Total Loans:................................................ 81,160 Premises and Fixed Assets:.......................... 3,169 Other Real Estate: ........................................... 220 Other Assets:................................................ 1,831 Total Assets:............................................. 104,571 Total Trust Assets:............................................... 0 Deposits: .................................................... 90,951 Federal Funds and Borrowings: .................... 4,666 Other Liabilities: ............................................... 415 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 96,032 Total Equity Capital and Reserves: ............... 8,539 Total Liabilities and Capital: ...................... 104,571 Number of Shares Outstanding:.................. 15,000 Directors: James Beavers; Paul Bone; Dr. Gary Bowman; Melton Cotton; Thomas H. Grumbles; Jim Hawks; Dr. Kyle D. Hensley; Daniel C. Horton; Dois "Dyke" Johnson; Jerry Kimbrough; Veda McCaslin; Larry Oaks Branches in Town: None Other Branches: Clinton (2), Dermott, Shirley Eighty-Ninth Report 55 Farmers Bank Greenwood, AR VOICE: (479) 996-4171 FAX: (479) 996-6700 Population: 3,984 100 West Center Charter Number: 243 P. O. Box 610 Date: August 7, 1907 72936-0610 County: Sebastian Trust Powers: Yes Bank Holding Company Wilkinson Banking Corporation, Greenwood, AR Chm: Elizabeth Wilkinson Pres/Cash/TO: Edward Wilkinson CEO: Stanhope Wilkinson SVP: Tresa Lowe Cash and Due from: ....................................10,410 Federal Funds and Repos: ............................8,750 Investments:................................................42,430 Total Loans: ..............................................101,667 Premises and Fixed Assets: ..........................7,341 Other Real Estate:.........................................1,391 Other Assets: ................................................2,000 Total Assets: .............................................173,989 Total Trust Assets: ........................................1,156 Deposits: ...................................................137,304 Federal Funds and Borrowings:....................... 466 Other Liabilities:............................................... 581 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................138,351 Total Equity Capital and Reserves:..............35,638 Total Liabilities and Capital:.......................173,989 Number of Shares Outstanding: ....................7,500 Directors: Tresa Lowe; Edward Wilkinson; Elizabeth Wilkinson; Norman Wilkinson; Stanhope Wilkinson; Susan Wilkinson Branches in Town: One Other Branches: Bonanza, Fort Smith (2), Hackett, Hartford Farmers Bank Hamburg, AR VOICE: (870) 853-5222 FAX: (870) 853-2333 Population: 3,098 Chm: John W. Spivey Pres: Robert Blackwood 210 North Main Charter Number: 680 P. O. Box 350 Date: March 10, 1941 71646-0350 County: Ashley Trust Powers: No Bank Holding Company None VP: Virginia Bowman VP: Velma Farmer Cash and Due from: ......................................7,729 Federal Funds and Repos: ...............................275 Investments:..................................................8,838 Total Loans: ................................................24,414 Premises and Fixed Assets: .............................979 Other Real Estate:..............................................40 Other Assets: ...................................................659 Total Assets: ...............................................42,934 Total Trust Assets: .............................................. 0 Deposits: .....................................................38,602 Federal Funds and Borrowings:......................... 61 Other Liabilities:............................................... 160 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................38,823 Total Equity Capital and Reserves:................4,111 Total Liabilities and Capital:.........................42,934 Number of Shares Outstanding: ..................22,260 Directors: Phillip E. Barnes, Sr.; Robert B. Barnes; S. J. Clark; William E. Foote, IV; Nancy C. Foote Spivey; William E. Johnson; Jack Shell; John W. Spivey; Bobby J. Witherington Branches in Town: None Other Branches: Crossett 56 Arkansas State Bank Department Calhoun County Bank Hampton, AR VOICE: (870) 798-2207 FAX: (870) 798-4830 Population: 1,562 302 West Main Street Charter Number: 220 P. O. Box 8 Date: October 26, 1906 71744-0008 County: Calhoun Trust Powers: No Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm/CEO/Pres: Searcy W. Harrell, Jr. EVP: Delois Kitchens VChm/COO: Jonathan W. Harrell AVP: Myra Dunn Cash and Due from:...................................... 2,447 Federal Funds and Repos: .................................. 0 Investments: ............................................... 14,438 Total Loans:................................................ 21,901 Premises and Fixed Assets:............................. 104 Other Real Estate: ........................................... 167 Other Assets:................................................... 554 Total Assets:............................................... 39,611 Total Trust Assets:............................................... 0 Deposits: .................................................... 33,701 Federal Funds and Borrowings: .................... 1,539 Other Liabilities: ............................................... 162 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 35,402 Total Equity Capital and Reserves: ............... 4,209 Total Liabilities and Capital: ........................ 39,611 Number of Shares Outstanding:.................... 4,000 Directors: L. D. Becton, III; Gene Dereuisseaux; Phillip J. Foster; Carl Harrell; Jonathan W. Harrell; Searcy W. Harrell, Jr.; Richard L. Smith; Jannette H. Strickland; D. W. Wells; H. M. Welsh Branches in Town: None Other Branches: None The Bank of Harrisburg Harrisburg, AR VOICE: (870) 578-2472 FAX: (870) 578-2049 Population: 1,943 201 East Jackson 72432-0017 Charter Number: 620 Date: December 2, 1930 County: Poinsett Trust Powers: No Bank Holding Company Lake Hamilton Enterprises, Inc., Little Rock, AR Chm: Jim Tom Butler SVP: Donald Britnell CEO/Pres: James Williams SVP: Bill Elliott, Jr. Cash and Due from:...................................... 1,205 Federal Funds and Repos: ........................... 4,444 Investments: ............................................... 28,190 Total Loans:................................................ 27,111 Premises and Fixed Assets:............................. 352 Other Real Estate: ........................................... 385 Other Assets:................................................ 2,668 Total Assets:............................................... 64,355 Total Trust Assets:............................................... 0 Deposits: .................................................... 56,601 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 156 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 56,757 Total Equity Capital and Reserves: ............... 7,598 Total Liabilities and Capital: ........................ 64,355 Number of Shares Outstanding:.................... 4,000 Directors: Donald Britnell; Connie Butler; Jim Tom Butler; Patricia Butler; Beth Eaton; Paul D. Eaton, Jr.; Paul D. Eaton, Sr.; Bill Elliott, Jr.; John M. Henry; James Williams Branches in Town: None Other Branches: None Eighty-Ninth Report 57 Community First Bank Harrison, AR VOICE: (870) 391-8000 FAX: (870) 391-8081 Population: 9,922 200 East Ridge Charter Number: 772 P. O. Box 913 Date: October 14, 1997 72602-0913 County: Boone Trust Powers: Yes Bank Holding Company Community First Bancshares, Inc., Harrison, AR Chm/CEO: William King Gladden Pres: David Morton Cash and Due from: ......................................5,203 Federal Funds and Repos: ............................2,265 Investments:................................................33,110 Total Loans: ..............................................204,871 Premises and Fixed Assets: ..........................5,478 Other Real Estate:............................................... 0 Other Assets: ................................................3,173 Total Assets: .............................................254,100 Total Trust Assets: .............................................. 0 Deposits: ...................................................223,007 Federal Funds and Borrowings:.....................9,162 Other Liabilities:.............................................1,800 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................233,969 Total Equity Capital and Reserves:..............20,131 Total Liabilities and Capital:.......................254,100 Number of Shares Outstanding: ..................60,000 Directors: Joe Bennett, M.D.; Dan R. Bowers; John O. Campbell; J. Kirkwood Dupps; L. Eugene Durand; Leota Edwards; William King Gladden; Jim Harp; Richard Hudson; Jerry Maland; Meredith Miller; David Morton; James Nelson; Jim Sprott Branches in Town: One Other Branches: Berryville, Eureka Springs The Cleburne County Bank Heber Springs, AR VOICE: (501) 362-2456 FAX: (501) 362-4554 Population: 5,628 806 West Main Charter Number: 626 P. O. Box 1560 Date: December 16, 1930 72543-1560 County: Cleburne Trust Powers: No Bank Holding Company Lake Hamilton Enterprises, Inc., Little Rock, AR Chm: Jim Tom Butler Pres/COO: R. Dale Miller CEO: Paul D. Eaton SVP: Keith McHan Cash and Due from: ......................................4,435 Federal Funds and Repos: ...............................745 Investments:................................................98,922 Total Loans: ................................................89,013 Premises and Fixed Assets: ..........................2,215 Other Real Estate:.........................................2,322 Other Assets: ................................................8,498 Total Assets: .............................................206,150 Total Trust Assets: .............................................. 0 Deposits: ...................................................175,612 Federal Funds and Borrowings:.....................9,126 Other Liabilities:............................................... 699 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................185,437 Total Equity Capital and Reserves:..............20,713 Total Liabilities and Capital:.......................206,150 Number of Shares Outstanding: ....................1,200 Directors: Walter Aldridge; Connie Butler; Jim Tom Butler; Patricia Butler; Beth Eaton; Paul Eaton, Jr.; Paul D. Eaton; John M. Henry; Richie A. Lee; Stan Lee; R. Dale Miller; Wetzel Stark Branches in Town: Two Other Branches: Center Ridge, Concord, Damascus, Greenbrier, Greers Ferry, Guy, Marshall, Pangburn, Quitman 58 Arkansas State Bank Department Greers Ferry Lake State Bank Heber Springs, AR VOICE: (501) 362-5883 FAX: (501) 362-0820 Population: 5,628 1230 Highway 25B North Charter Number: 755 P. O. Box 970 Date: July 26, 1991 72543-0970 County: Cleburne Home Page: http://www.gflsb.com Trust Powers: No Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/CEO: Jim S. Gowen, Sr. EVP: Gary Yow Pres/COO: Jim S. Gowen, Jr. VP: Wendell Cassell Cash and Due from:...................................... 3,840 Federal Funds and Repos: ........................... 1,855 Investments: ............................................... 13,148 Total Loans:................................................ 32,887 Premises and Fixed Assets:.......................... 1,067 Other Real Estate: ........................................... 448 Other Assets:................................................ 1,396 Total Assets:............................................... 54,641 Total Trust Assets:............................................... 0 Deposits: .................................................... 45,220 Federal Funds and Borrowings: .................... 4,681 Other Liabilities: ............................................... 231 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 50,132 Total Equity Capital and Reserves: ............... 4,509 Total Liabilities and Capital: ........................ 54,641 Number of Shares Outstanding:.................. 60,000 Directors: Morris L. Bowman; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Dr. Troy A. Gray; Gerald A. Saracini Branches in Town: None Other Branches: Clinton, Greers Ferry Heber Springs State Bank Heber Springs, AR VOICE: (501) 362-5821 FAX: (501) 362-9348 Population: 5,628 Second and Main Streets Charter Number: 735 P. O. Box 1030 Date: May 7, 1977 72543-0030 County: Cleburne Trust Powers: Yes Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Harry L. Hastings, Jr. SVP: Jack Barber CEO/Pres: Bill G. Lynch SVP/COO/Cash: Janice Parrott Cash and Due from:...................................... 9,365 Federal Funds and Repos: ......................... 11,825 Investments: ............................................... 19,521 Total Loans:................................................ 68,044 Premises and Fixed Assets:.......................... 5,394 Other Real Estate: ........................................... 171 Other Assets:................................................ 1,423 Total Assets:............................................. 115,743 Total Trust Assets:............................................... 0 Deposits: .................................................... 97,345 Federal Funds and Borrowings: .................... 7,250 Other Liabilities: ............................................... 326 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 104,921 Total Equity Capital and Reserves: ............. 10,822 Total Liabilities and Capital: ...................... 115,743 Number of Shares Outstanding:.................. 17,656 Directors: H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Bill G. Lynch; Catherine H. Owen Branches in Town: One Other Branches: Drasco, Fairfield Bay, Greers Ferry, Quitman, Rose Bud, Vilonia Eighty-Ninth Report 59 Horatio State Bank Horatio, AR VOICE: (870) 832-2501 FAX: (870) 832-2577 Population: 793 123 Main Street Charter Number: 179 P. O. Box 347 Date: May 15, 1905 71842-0347 County: Sevier Trust Powers: No Bank Holding Company Pioneer Bancshares, Inc. of Horatio, Arkansas, Horatio, AR Chm/CEO/Pres: Carl E. Hendrix, III SVP: Edith H. Smith EVP: Wilburn Smith VP: C. E. Hendrix, Jr. Cash and Due from: ....................................13,509 Federal Funds and Repos: ............................6,015 Investments:................................................11,448 Total Loans: ................................................37,990 Premises and Fixed Assets: .............................631 Other Real Estate:............................................... 0 Other Assets: ...................................................622 Total Assets: ...............................................70,215 Total Trust Assets: .............................................. 0 Deposits: .....................................................62,802 Federal Funds and Borrowings:........................... 0 Other Liabilities:............................................... 206 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................63,008 Total Equity Capital and Reserves:................7,207 Total Liabilities and Capital:.........................70,215 Number of Shares Outstanding: ....................2,000 Directors: Margaret S. Griffin; Carl E. Hendrix, III; C. E. Hendrix, Jr.; Loy Poag; Edith H. Smith; Wilburn Smith; Elizabeth H. Trimble; Todd B. Trimble Branches in Town: None Other Branches: None Alliance Bank of Hot Springs Hot Springs, AR VOICE: (501) 318-1000 100 Werner Drive Charter Number: 769 FAX: (501) 318-1015 P. O. Box 22000 Date: April 17, 1997 Population: 32,462 71903 County: Garland Home Page: http://www.alliancebankhs.com Trust Powers: Yes Bank Holding Company Alliance Bancorporation, Inc., Hot Springs, AR Chm/CEO/Pres: David L. Bartlett SVP: Ronnie Twyford SVP: Steven Trusty Cash and Due from: ......................................4,320 Federal Funds and Repos: .................................. 0 Investments:................................................64,863 Total Loans: ................................................63,776 Premises and Fixed Assets: ..........................1,835 Other Real Estate:............................................... 0 Other Assets: ................................................3,763 Total Assets: .............................................138,557 Total Trust Assets: .............................................. 0 Deposits: ...................................................104,378 Federal Funds and Borrowings:...................22,177 Other Liabilities:............................................... 802 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................127,357 Total Equity Capital and Reserves:..............11,200 Total Liabilities and Capital:.......................138,557 Number of Shares Outstanding: ..................29,264 Directors: David L. Bartlett; Stuart A. Fleischner, D.D.S.; Louis F. Kleinman; James “Bart” Newman; John D. Selig; Sam A. Stathakis, Jr.; Sara Stough Branches in Town: Four Other Branches: None 60 Arkansas State Bank Department First State Bank Huntsville, AR VOICE: (479) 738-2147 FAX: (479) 738-1255 Population: 1,605 Highway 412 West Charter Number: 756 P. O. Box 667 Date: July 26, 1991 72740-0667 County: Madison Trust Powers: Yes Bank Holding Company BTS Bancshares, Inc., Springdale, AR CEO/Pres: Curtis Hutchins VP: Dave Seal VP: Alan Koizumi VP/Cash: Marivel Radcliffe Cash and Due from:...................................... 1,751 Federal Funds and Repos: .................................. 0 Investments: ............................................... 19,338 Total Loans:................................................ 42,356 Premises and Fixed Assets:.......................... 1,309 Other Real Estate: ........................................... 231 Other Assets:................................................ 2,538 Total Assets:............................................... 67,523 Total Trust Assets:............................................... 0 Deposits: .................................................... 55,136 Federal Funds and Borrowings: .................... 4,345 Other Liabilities: ............................................... 350 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 59,831 Total Equity Capital and Reserves: ............... 7,692 Total Liabilities and Capital: ........................ 67,523 Number of Shares Outstanding:.................. 27,000 Directors: Curtis Hutchins; Sam Mathias; Bobby W. Thompson Branches in Town: None Other Branches: Fayetteville, Hindsville (2) First Arkansas Bank & Trust Jacksonville, AR VOICE: (501) 982-4511 600 West Main Charter Number: 701 FAX: (501) 982-5769 P. O. Box 827 Date: August 2, 1949 Population: 29,101 72078-0827 County: Pulaski Home Page: http://www.Firstarkansasbank.com Trust Powers: Yes Bank Holding Company First Arkansas BancShares, Inc., Jacksonville, AR Chm/CEO/Pres: Larry T. Wilson TO: Pat Teague EVP: Ken Southern Cash and Due from:.................................... 11,000 Federal Funds and Repos: ........................... 7,230 Investments: ............................................... 76,873 Total Loans:.............................................. 152,951 Premises and Fixed Assets:.......................... 6,597 Other Real Estate: ........................................... 438 Other Assets:................................................ 6,885 Total Assets:............................................. 261,974 Total Trust Assets:...................................... 74,626 Deposits: .................................................. 201,278 Federal Funds and Borrowings: .................. 21,129 Other Liabilities: ............................................ 2,115 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 224,522 Total Equity Capital and Reserves: ............. 37,452 Total Liabilities and Capital: ...................... 261,974 Number of Shares Outstanding:................ 200,000 Directors: John A. Davis; Bartus M. Gray, Jr.; William A. Gwatney; John C. Hardwick; Alton Higginbotham; Bruce McFadden; Kathryn W. Roberts; Ken Southern; Larry T. Wilson; Michael K. Wilson Branches in Town: Five Other Branches: Cabot (3), Gravel Ridge Eighty-Ninth Report 61 American State Bank Jonesboro, AR VOICE: (870) 972-9800 2201 Fair Park Charter Number: 262 FAX: (870) 930-9311 P. O. Box 3080 Date: October 3, 1908 Population: 46,535 72403 County: Craighead Home Page: http://www.american-state-bank.com Trust Powers: No Bank Holding Company American State Bank Corporation, Jonesboro, AR Chm/CEO : Frank Oldham EVP: Judy Dacus Pres/COO: Steve Gramling EVP: David Dudley Cash and Due from: ......................................9,517 Federal Funds and Repos: ............................1,505 Investments:................................................50,423 Total Loans: ..............................................159,934 Premises and Fixed Assets: ........................12,188 Other Real Estate:............................................690 Other Assets: ................................................3,521 Total Assets: .............................................237,778 Total Trust Assets: .............................................. 0 Deposits: ...................................................219,900 Federal Funds and Borrowings:......................... 82 Other Liabilities:.............................................1,617 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................221,599 Total Equity Capital and Reserves:..............16,179 Total Liabilities and Capital:.......................237,778 Number of Shares Outstanding: ....................4,000 Directors: David Dudley; Iva Beth Duke; Rogers Ford; Steve Gramling; Philip A. Jones; J. Steven McFerron; Sue McGowan; Jerry McIntosh; Frank Oldham; Leon Swindle; Don B. Vollman, Jr.; Larry Wamble; Linda Warhurst; R. L. Wells; Joe D. Wessell; Joe A. Williams; Perry Wilson; R. E. L. Wilson, V; Steve A. Wilson Branches in Town: Two Other Branches: Keiser, Marmaduke, Osceola, Paragould (2), Pocahontas, Wilson Heritage Bank Jonesboro, AR VOICE: (870) 802-2344 2009 Browns Lane Charter Number: 703 FAX: (870) 268-2033 P. O. Box 3020 Date: January 23, 1951 Population: 46,535 72403-3020 County: Craighead Home Page: http://www.heritagebankark.com Trust Powers: No Bank Holding Company Heritage Capital Corporation, Jonesboro, AR Chm: Larry Grisham SVP/CFO: Diane Steiling CEO/Pres: Stephen D. May Cash and Due from: ......................................7,182 Federal Funds and Repos: ..........................20,900 Investments:................................................20,289 Total Loans: ..............................................139,047 Premises and Fixed Assets: ..........................6,048 Other Real Estate:.........................................2,460 Other Assets: ................................................4,002 Total Assets: .............................................199,928 Total Trust Assets: .............................................. 0 Deposits: ...................................................172,088 Federal Funds and Borrowings:...................11,495 Other Liabilities:............................................... 523 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................184,106 Total Equity Capital and Reserves:..............15,822 Total Liabilities and Capital:.......................199,928 Number of Shares Outstanding: ..................10,000 Directors: Dr. Ronald Burnett; Jim Fulkerson; Richard Gray; Larry Grisham; Stephen D. May; Oscar Melton, Jr.; Diane Steiling; Leon Swihart; Bob Troutt Branches in Town: Two Other Branches: Caraway, Leachville, Manila, Monette 62 Arkansas State Bank Department Liberty Bank of Arkansas Jonesboro, AR VOICE: (870) 934-9000 715 Southwest Drive Charter Number: 787 FAX: (870) 268-1525 P. O. Box 7514 Date: January 24, 2001 Population: 46,535 72403 County: Craighead Home Page: http://www.mylibertybank.com Trust Powers: Yes Bank Holding Company Liberty Bancshares, Inc., Jonesboro, AR Chm/CEO: Wallace W. Fowler Pres: John C. Freeman VChm: Mark P. Fowler EVP/TO: Aubrey Avants Cash and Due from:...................................... 6,562 Federal Funds and Repos: .................................. 0 Investments: ............................................... 59,199 Total Loans:.............................................. 249,586 Premises and Fixed Assets:........................ 17,626 Other Real Estate: ........................................... 679 Other Assets:................................................ 3,254 Total Assets:............................................. 336,906 Total Trust Assets:...................................... 42,701 Deposits: .................................................. 294,432 Federal Funds and Borrowings: .................. 10,865 Other Liabilities: ............................................... 841 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 306,138 Total Equity Capital and Reserves: ............. 30,768 Total Liabilities and Capital: ...................... 336,906 Number of Shares Outstanding:................ 350,000 Directors: Wayne F. Baker; Claud V. Cash; Susan Cathcart; Richard Darouse; Chris E. Fowler; Jama M. Fowler; Mark P. Fowler; Wallace W. Fowler; John C. Freeman; Stacy Greene; Raymond Heern; Al M. Heringer, III; Sam W. Hummelstein; Mike Langford; Lloyd H. McCracken, Jr.; Matt Parker; James E. Way; William C. Young, Jr. Branches in Town: Two Other Branches: None MidSouth Bank Jonesboro, AR VOICE: (870) 931-0100 FAX: (870) 910-5698 Population: 46,535 2506 Southwest Circle Charter Number: 673 P. O. Box 5040 Date: December 29, 1936 72403-5040 County: Craighead Home Page: http://www.msbank.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company MSB Shares, Inc., Jonesboro, AR Chm: Wallace W. Fowler EVP: Tommy White Pres: Gary Clark VP/TO: Steve Baker Cash and Due from:.................................... 11,528 Federal Funds and Repos: ......................... 18,500 Investments: ............................................... 52,108 Total Loans:.............................................. 193,996 Premises and Fixed Assets:........................ 10,360 Other Real Estate: ........................................ 2,153 Other Assets:.............................................. 11,535 Total Assets:............................................. 300,180 Total Trust Assets:...................................... 42,118 Deposits: .................................................. 272,345 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 2,235 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 274,580 Total Equity Capital and Reserves: ............. 25,600 Total Liabilities and Capital: ...................... 300,180 Number of Shares Outstanding:.................... 4,000 Directors: Wayne F. Baker; Gary Clark; Richard S. Darouse; Mark P. Fowler; Wallace W. Fowler; John C. Freeman; Stacy Greene; Al M. Heringer, III; Lloyd McCracken, Jr.; Joe Verser; Tommy White Branches in Town: Five Other Branches: Bay, Monette (2) Eighty-Ninth Report 63 Simmons First Bank of Jonesboro Jonesboro, AR VOICE: (870) 933-8000 FAX: (870) 933-3189 Population: 46,535 1720 South Caraway Road Charter Number: 734 P. O. Box 1720 Date: December 22, 1976 72403-1720 County: Craighead Trust Powers: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Barry K. Ledbetter SVP/Sec: Wayne Bond Cash and Due from: ....................................14,714 Federal Funds and Repos: ............................4,000 Investments:................................................16,390 Total Loans: ..............................................147,482 Premises and Fixed Assets: ..........................3,942 Other Real Estate:............................................431 Other Assets: ................................................1,666 Total Assets: .............................................188,625 Total Trust Assets: .............................................. 0 Deposits: ...................................................169,275 Federal Funds and Borrowings:.....................2,735 Other Liabilities:.............................................1,037 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................173,047 Total Equity Capital and Reserves:..............15,578 Total Liabilities and Capital:.......................188,625 Number of Shares Outstanding: ................175,000 Directors: Dennis Abell; Marty D. Casteel; Barry K. Ledbetter; Scott Mixon; Ben Owens, Jr.; David Pyle; Jim Scurlock; Berl A. Smith; J. C. Vaughn, Jr.; Mark Wimpy Branches in Town: Three Other Branches: None Pine State Bank Kingsland, AR VOICE: (870) 348-5657 FAX: (870) 348-1002 Population: 395 First Street Charter Number: 165 P. O. Box 85 Date: August 22, 1904 71652-0085 County: Cleveland Trust Powers: No Bank Holding Company Pine State Bancshares, Inc., Kingsland, AR Chm/CEO: M. Don Smith Pres: Sheila Harrison Smith Cash and Due from: ......................................2,275 Federal Funds and Repos: ............................2,255 Investments:..................................................2,554 Total Loans: ..................................................9,673 Premises and Fixed Assets: .............................634 Other Real Estate:............................................169 Other Assets: ...................................................370 Total Assets: ...............................................17,930 Total Trust Assets: .............................................. 0 Deposits: .....................................................16,282 Federal Funds and Borrowings:........................... 0 Other Liabilities:............................................... 128 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................16,410 Total Equity Capital and Reserves:................1,520 Total Liabilities and Capital:.........................17,930 Number of Shares Outstanding: ....................3,060 Directors: Carol L. Carson; Del Alan Smith; M. Don Smith; Sheila Harrison Smith Branches in Town: None Other Branches: Fordyce, New Edinburg, Rison 64 Arkansas State Bank Department Madison Bank and Trust Kingston, AR VOICE: (479) 665-2825 FAX: (479) 665-2175 Population: 338 101 Public Square Charter Number: 338 P. O. Box 39 Date: April 7, 1911 72742-0039 County: Madison Trust Powers: Yes Bank Holding Company Madison Corporation, Maumelle, AR Chm: Roland Willshire VP/Cash: Jeanine Villines CEO/Pres: Jimmy R. Boze VP/TO: Lori McConnell Cash and Due from:......................................... 888 Federal Funds and Repos: ........................... 2,230 Investments: ................................................. 4,950 Total Loans:................................................ 18,278 Premises and Fixed Assets:............................. 601 Other Real Estate: ............................................. 42 Other Assets:................................................... 389 Total Assets:............................................... 27,378 Total Trust Assets:........................................ 1,967 Deposits: .................................................... 24,705 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 62 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 24,767 Total Equity Capital and Reserves: ............... 2,611 Total Liabilities and Capital: ........................ 27,378 Number of Shares Outstanding:.................... 1,000 Directors: Gary Bunch; Howard Cain, Jr.; Gary Easterling; Joe Shrum; Tom Shrum; Roland Willshire; Rose Willshire Branches in Town: None Other Branches: Huntsville The Bank of Lake Village Lake Village, AR VOICE: (870) 265-2241 201 Main Street Charter Number: 675 FAX: (870) 265-2125 P. O. Box 727 Date: October 14, 1937 Population: 2,791 71653-0727 County: Chicot Home Page: http://www.bankoflakevillage.com Trust Powers: No Bank Holding Company Southeast Arkansas Bank Corporation, Lake Village, AR Chm: Charles H. Weissinger, Jr. VChm: William W. Bunker CEO/Pres: Terence J. Alpe Sec: David F. Gillison, Jr. Cash and Due from:...................................... 1,817 Federal Funds and Repos: .................................. 0 Investments: ............................................... 11,147 Total Loans:................................................ 54,933 Premises and Fixed Assets:.......................... 1,822 Other Real Estate: ........................................... 150 Other Assets:................................................ 2,236 Total Assets:............................................... 72,105 Total Trust Assets:............................................... 0 Deposits: .................................................... 57,492 Federal Funds and Borrowings: .................... 6,564 Other Liabilities: ............................................... 237 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 64,293 Total Equity Capital and Reserves: ............... 7,812 Total Liabilities and Capital: ........................ 72,105 Number of Shares Outstanding:.................. 60,000 Directors: Terence J. Alpe; Sam E. Angel; William W. Bunker; Dr. John P. Burge, Sr.; David F. Gillison, Jr.; Dr. Marvin D. Loyd, DDS; Joseph J. Pieroni; Charles H. Weissinger, Jr.; Guy Mattingly Weissinger Branches in Town: One Other Branches: None Eighty-Ninth Report 65 Simmons First Bank of South Arkansas Lake Village, AR VOICE: (870) 265-5366 FAX: (870) 265-5558 Population: 2,791 417 Main Street Charter Number: 716 P. O. Box 271 Date: June 12, 1962 71653-0271 County: Chicot Trust Powers: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO: Ben V. Floriani SVP: Linda S. Moreland Pres: Freddie G. Black VP: Mike S. Cashion Cash and Due from: ......................................7,740 Federal Funds and Repos: .................................. 0 Investments:................................................25,830 Total Loans: ................................................71,519 Premises and Fixed Assets: ..........................3,633 Other Real Estate:............................................126 Other Assets: ................................................3,902 Total Assets: .............................................112,750 Total Trust Assets: .............................................. 0 Deposits: .....................................................99,163 Federal Funds and Borrowings:.....................1,280 Other Liabilities:............................................... 700 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................101,143 Total Equity Capital and Reserves:..............11,607 Total Liabilities and Capital:.......................112,750 Number of Shares Outstanding: ..................12,500 Directors: Freddie G. Black; Robert G. Bridewell; Michael S. Cashion; Thomas D. Deen; Ben V. Floriani; A. O. French, Jr.; James W. Haddock; Craig Hunt; Lester Pinkus; Beverly M. Rowe; Jerry Selby; Joe Dan Yee Branches in Town: One Other Branches: Dermott, Dumas, Monticello Little River Bank Lepanto, AR VOICE: (870) 475-2306 FAX: (870) 475-3070 Population: 2,033 202 Greenwood Charter Number: 498 P. O. Box 340 Date: November 21, 1919 72354-0340 County: Poinsett Home Page: http://www.littleriverbank.com Trust Powers: Yes Bank Holding Company Little River Bancshares, Inc., Lepanto, AR CEO/Pres: Thomas M. Hargrove VP: Lois Criddle SVP/Cash: Blanche Nash VP: Benjamin Perry Cash and Due from: ......................................3,161 Federal Funds and Repos: ............................1,390 Investments:................................................32,276 Total Loans: ................................................14,012 Premises and Fixed Assets: .............................254 Other Real Estate:..............................................62 Other Assets: ................................................1,045 Total Assets: ...............................................52,200 Total Trust Assets: .............................................. 0 Deposits: .....................................................34,840 Federal Funds and Borrowings:...................11,000 Other Liabilities:............................................... 155 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................45,995 Total Equity Capital and Reserves:................6,205 Total Liabilities and Capital:.........................52,200 Number of Shares Outstanding: ..................10,000 Directors: Hadley Ingram Arnold; Julanne Ingram; W. Kent Ingram; Junaway Payne; Benjamin Perry; Ernest B. Portis; Juliet Portis; Danette P. Watkins; Henry Watkins Branches in Town: None Other Branches: None 66 Arkansas State Bank Department Arkansas Bankers' Bank Little Rock, AR VOICE: (501) 371-0535 FAX: (501) 375-2281 Population: 175,795 1020 West Second Street 72201-2031 Charter Number: 752 Date: April 17, 1990 County: Pulaski Trust Powers: No Member of Federal Reserve System Bank Holding Company Arkansas Bankers' Bancorporation, Inc., Little Rock, AR Chm: Thomas H. Grumbles SVP: Boyd Rothwell CEO/Pres: James N. Thomason Cash and Due from:......................................... 129 Federal Funds and Repos: ......................... 53,550 Investments: ............................................. 124,152 Total Loans:................................................ 16,560 Premises and Fixed Assets:............................. 881 Other Real Estate: ............................................... 0 Other Assets:................................................ 8,110 Total Assets:............................................. 203,382 Total Trust Assets:............................................... 0 Deposits: .................................................. 182,410 Federal Funds and Borrowings: .................... 2,906 Other Liabilities: ............................................ 1,840 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 187,156 Total Equity Capital and Reserves: ............. 16,226 Total Liabilities and Capital: ...................... 203,382 Number of Shares Outstanding:.................. 50,000 Directors: Lunsford W. Bridges; Gary R. Canada; Martin B. Carpenter; Thomas H. Grumbles; Larry Mashburn; Stephen E. Stafford; James N. Thomason Branches in Town: None Other Branches: None Bank of Little Rock Little Rock, AR VOICE: (501) 376-0800 FAX: (501) 376-1642 Population: 175,795 200 North State Street Charter Number: 748 P. O. Box 34090 Date: May 4, 1989 72203 County: Pulaski Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Little Rock Bankshares, Inc., Little Rock, AR Chm/CEO: Eugene L. Maris EVP: Larry R. Brown Pres: George G. Worthen SVP/Cash: Lee A. Swearingen Cash and Due from:...................................... 6,935 Federal Funds and Repos: .............................. 610 Investments: ............................................... 21,232 Total Loans:................................................ 63,583 Premises and Fixed Assets:.......................... 4,026 Other Real Estate: ........................................ 2,171 Other Assets:................................................ 1,740 Total Assets:............................................. 100,297 Total Trust Assets:............................................... 0 Deposits: .................................................... 89,147 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 634 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 89,781 Total Equity Capital and Reserves: ............. 10,516 Total Liabilities and Capital: ...................... 100,297 Number of Shares Outstanding:................ 100,000 Directors: J. Harry Leggett; Eugene L. Maris; James M. May, III; Stephen W. Plunkett; Steve C. Russell; George G. Worthen Branches in Town: Three Other Branches: None Eighty-Ninth Report 67 Bank of the Ozarks Little Rock, AR VOICE: (501) 978-2265 FAX: (501) 978-2205 Population: 175,795 12615 Chenal Parkway P. O. Box 8811 72231-8811 Home Page: http://www.bankozarks.com Trust Powers: Yes Bank Holding Company Bank of the Ozarks, Inc., Little Rock, AR Chm/CEO: George G. Gleason, II CFO: Paul E. Moore VChm/Pres/COO: Mark D. Ross TO: Gene Jennings Cash and Due from: ....................................29,197 Federal Funds and Repos: .................................. 0 Investments:..............................................261,846 Total Loans: ..............................................813,147 Premises and Fixed Assets: ........................45,970 Other Real Estate:............................................627 Other Assets: ..............................................41,551 Total Assets: ..........................................1,192,338 Total Trust Assets: ....................................216,577 Charter Number: 121 Date: March 24, 1903 County: Pulaski Deposits: ...................................................949,489 Federal Funds and Borrowings:.................136,291 Other Liabilities:.............................................3,558 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................1,089,338 Total Equity Capital and Reserves:............103,000 Total Liabilities and Capital:....................1,192,338 Number of Shares Outstanding: ....................2,340 Directors: Jean Arehart; Steven M. Arnold; Jerry W. Davis; Robert C. East; George G. Gleason, II; Linda D. Gleason; Porter Hillard; Henry Mariani; R. L. Qualls; Mark D. Ross; Kennith Smith Branches in Town: Six Other Branches: Alma, Altus, Bellefonte, Bryant (2), Cabot, Clarksville (2), Clinton, Conway (3), Fort Smith (2), Harrison (2), Jasper, Lonoke, Lonsdale, Marshall, Maumelle, Mulberry, North Little Rock (2), Ozark (2), Paris, Russellville, Van Buren, Western Grove, Yellville 68 Arkansas State Bank Department The Capital Bank Little Rock, AR VOICE: (501) 228-6000 12224 Chenal Parkway Charter Number: 771 FAX: (501) 228-6006 P. O. Box 8210 Date: July 30, 1997 Population: 175,795 72211 County: Pulaski Home Page: http://www.thecapitalbank.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Capital Bancshares, Inc., Little Rock, AR Pres: Kyle E. Patton VP/CFO: Catherine Davis SVP: Bonnie Crocheron Cash and Due from:...................................... 2,935 Federal Funds and Repos: .................................. 0 Investments: ............................................... 41,344 Total Loans:................................................ 40,104 Premises and Fixed Assets:.......................... 1,096 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,337 Total Assets:............................................... 86,816 Total Trust Assets:............................................... 0 Deposits: .................................................... 65,412 Federal Funds and Borrowings: .................. 14,064 Other Liabilities: ............................................... 822 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 80,298 Total Equity Capital and Reserves: ............... 6,518 Total Liabilities and Capital: ........................ 86,816 Number of Shares Outstanding:.................. 32,013 Directors: Melinda Ballard; Jack Hartsell; Dr. Joseph S. Murphy; Joseph W. Park; Kyle E. Patton; Warren Stephenson Branches in Town: None Other Branches: North Little Rock Eagle Bank & Trust Company Little Rock, AR VOICE: (501) 223-2000 FAX: (501) 223-0373 Population: 175,795 650 South Shackleford, Suite 150 Charter Number: 720 P. O. Box 22120 Date: July 28, 1966 72212 County: Pulaski Trust Powers: Yes Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Harry L. Hastings, Jr. SVP: Laura Bogoslavsky CEO/Pres/Cash/TO: Randall K. Herlocker SVP/Cash: Paul Castleberry Cash and Due from:...................................... 1,878 Federal Funds and Repos: .............................. 380 Investments: ............................................... 38,298 Total Loans:................................................ 37,225 Premises and Fixed Assets:............................. 748 Other Real Estate: ............................................. 20 Other Assets:................................................ 1,145 Total Assets:............................................... 79,694 Total Trust Assets:............................................... 0 Deposits: .................................................... 70,005 Federal Funds and Borrowings: .................... 2,186 Other Liabilities: ............................................... 433 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 72,624 Total Equity Capital and Reserves: ............... 7,070 Total Liabilities and Capital: ........................ 79,694 Number of Shares Outstanding:.................... 8,000 Directors: H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Randall K. Herlocker; Catherine H. Owen Branches in Town: One Other Branches: Gravel Ridge, Sherwood (3) Eighty-Ninth Report 69 Pulaski Bank And Trust Company Little Rock, AR VOICE: (501) 661-7700 FAX: (501) 661-7380 Population: 175,795 5800 R Street Charter Number: 710 P. O. Box 7299 Date: August 29, 1955 72217-7299 County: Pulaski Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Pulaski Investment Corporation, Little Rock, AR Chm: James C. East Pres: William C. Scholl CEO: J. Hunter East TO: Robert Plummer Cash and Due from: ....................................14,756 Federal Funds and Repos: .................................. 0 Investments:................................................66,346 Total Loans: ..............................................298,915 Premises and Fixed Assets: ........................11,444 Other Real Estate:.........................................1,030 Other Assets: ..............................................12,341 Total Assets: .............................................404,832 Total Trust Assets: ....................................130,042 Deposits: ...................................................323,674 Federal Funds and Borrowings:...................37,607 Other Liabilities:.............................................7,226 Subordinated Debt: .......................................6,000 Total Liabilities: .........................................374,507 Total Equity Capital and Reserves:..............30,325 Total Liabilities and Capital:.......................404,832 Number of Shares Outstanding: ....................1,850 Directors: J. Hunter East; James C. East; Robert C. Magee; William C. Scholl; David E. Snowden, Jr.; Dr. Kent Westbrook, M.D.; Mark V. Williamson Branches in Town: Six Other Branches: Memphis, TN, North Little Rock First State Bank Lonoke, AR VOICE: (501) 676-3106 FAX: (501) 676-5046 Population: 4,022 101 South Center Street P. O. Box 320 72086-0320 Trust Powers: No Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Chm: Neil Bennett, Jr. EVP: J. Bruce Loftin CEO/Pres: David R. Estes Cash and Due from: ......................................2,731 Federal Funds and Repos: .................................. 0 Investments:................................................30,622 Total Loans: ..............................................136,189 Premises and Fixed Assets: ..........................4,298 Other Real Estate:............................................... 0 Other Assets: ................................................4,022 Total Assets: .............................................177,862 Total Trust Assets: .............................................. 0 Charter Number: 670 Date: March 9, 1935 County: Lonoke Deposits: ...................................................156,037 Federal Funds and Borrowings:.....................4,971 Other Liabilities:............................................... 696 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................161,704 Total Equity Capital and Reserves:..............16,158 Total Liabilities and Capital:.......................177,862 Number of Shares Outstanding: ..................16,000 Directors: Robert S. Bailey, Jr.; Neil Bennett, Jr.; Richard Bransford; Charles Cabe, Jr.; David R. Estes; William Fletcher, Jr.; J. L. Griffin; J. Bruce Loftin; J. Walls McCrary; Joe P. Melton, Jr.; Daina B. Newcomb; Marvin D. Thaxton, Jr. Branches in Town: One Other Branches: Carlisle, Fayetteville, Gurdon Arkansas State Bank Department 70 Farmers Bank and Trust Company Magnolia, AR VOICE: (870) 235-7000 FAX: (870) 235-7010 Population: 11,151 200 East Main Street Charter Number: 217 P. O. Box 250 Date: September 26, 1906 71754-0250 County: Columbia Home Page: http://www.fbtarkansas.com Trust Powers: Yes Bank Holding Company Magnolia Banking Corporation, Magnolia, AR Chm/CEO/Pres: Bob L. Burns SVP: Tim White EVP: Steve Keith COO/TO: Bruce D. Maloch Cash and Due from:...................................... 8,531 Federal Funds and Repos: .............................. 285 Investments: ............................................. 171,218 Total Loans:.............................................. 204,924 Premises and Fixed Assets:.......................... 7,159 Other Real Estate: ........................................... 231 Other Assets:.............................................. 16,321 Total Assets:............................................. 408,669 Total Trust Assets:...................................... 72,768 Deposits: .................................................. 355,453 Federal Funds and Borrowings: .................... 7,773 Other Liabilities: ............................................ 3,981 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 367,207 Total Equity Capital and Reserves: ............. 41,462 Total Liabilities and Capital: ...................... 408,669 Number of Shares Outstanding:................ 100,000 Directors: John E. Alexander, Jr.; Ronny J. Bell; Bob L. Burns; Hayden Franks; Steve Keith; Bruce D. Maloch; Ronnie Ribble; Ken Sibley; T. E. Smith Branches in Town: Three Other Branches: Camden (4), Springhill [LA] The Peoples Bank Magnolia, AR VOICE: (870) 234-5777 FAX: (870) 234-3384 Population: 11,151 500 North Jackson Charter Number: 313 P. O. Box 340 Date: June 22, 1910 71754-0340 County: Columbia Trust Powers: Yes Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm: S. Clark Fincher Pres: Todd D. Smith CEO: Mary L. Fowler EVP: Scott N. White Cash and Due from:...................................... 2,939 Federal Funds and Repos: ........................... 2,535 Investments: ............................................... 16,075 Total Loans:................................................ 25,750 Premises and Fixed Assets:.......................... 1,469 Other Real Estate: ........................................... 266 Other Assets:................................................... 332 Total Assets:............................................... 49,366 Total Trust Assets:............................................... 0 Deposits: .................................................... 44,280 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 129 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 44,409 Total Equity Capital and Reserves: ............... 4,957 Total Liabilities and Capital: ........................ 49,366 Number of Shares Outstanding:.................. 10,000 Directors: Jonathan Baird; Dorothy J. Fincher; Harold H. Fincher; S. Clark Fincher; Mary L. Fowler; Betty Harris; Betty L. Scott; Gerald F. Scott; Todd D. Smith; Scott N. White Branches in Town: One Other Branches: Waldo Eighty-Ninth Report 71 Southern State Bank Malvern, AR VOICE: (501) 332-2462 FAX: (501) 332-8437 Population: 9,256 521 East Page Charter Number: 763 P. O. Box 340 Date: December 31, 1992 72104-0340 County: Hot Spring Trust Powers: No Bank Holding Company Southern State Bancshares, Inc., Malvern, AR Chm/CEO/Pres: Donald A. Walsh VP: Johnny Gibbs EVP: Sue Stinnett Cash and Due from: ......................................1,536 Federal Funds and Repos: ...............................732 Investments:................................................16,629 Total Loans: ................................................39,708 Premises and Fixed Assets: ..........................2,560 Other Real Estate:............................................330 Other Assets: ................................................1,574 Total Assets: ...............................................63,069 Total Trust Assets: .............................................. 0 Deposits: .....................................................55,406 Federal Funds and Borrowings:.....................1,500 Other Liabilities:............................................... 304 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................57,210 Total Equity Capital and Reserves:................5,859 Total Liabilities and Capital:.........................63,069 Number of Shares Outstanding: ..................15,906 Directors: Don Allen; William B. Birch; Mitchell Burris; George Hopkins; Frank McClure; Martha McClure; William H. McClure; Sue Stinnett; Donald A. Walsh; A. J. Wilks Branches in Town: One Other Branches: None First Community Bank of Eastern Arkansas Marion, AR VOICE: (870) 739-7300 FAX: (870) 739-2234 Population: 4,391 Chm: Michael D. East CEO/Pres: Donny Underwood 205 Block Street Charter Number: 775 P. O. Box 747 Date: October 8, 1998 72364-0747 County: Crittenden Trust Powers: Yes Bank Holding Company None VP: Thomas J. Anderson VP: Linda Crowe Cash and Due from: ......................................2,780 Federal Funds and Repos: .................................. 0 Investments:................................................11,292 Total Loans: ................................................29,070 Premises and Fixed Assets: .............................840 Other Real Estate:............................................... 0 Other Assets: ...................................................689 Total Assets: ...............................................44,671 Total Trust Assets: .............................................. 0 Deposits: .....................................................40,176 Federal Funds and Borrowings:........................... 0 Other Liabilities:............................................... 222 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................40,398 Total Equity Capital and Reserves:................4,273 Total Liabilities and Capital:.........................44,671 Number of Shares Outstanding: ..................38,726 Directors: Michael D. East; Frank A. Fogleman; Julian Hardin; Allen B. Helms, Jr.; Matthew L. Pike, III; Adolph Pirani; Mark A. Pirani; James A. Ross; Samuel H. Stuckey, Jr.; William Bart Turner; Donny Underwood; David S. Wallace; Charles L. Williams, Jr. Branches in Town: None Other Branches: None 72 Arkansas State Bank Department First Delta Bank Marked Tree, AR VOICE: (870) 358-6000 FAX: (870) 358-6001 Population: 3,100 214 Hester Parker Drive Charter Number: 704 P. O. Box 635 Date: October 31, 1951 72365-0635 County: Poinsett Trust Powers: No Bank Holding Company Tyronza Bancshares, Inc., Marked Tree, AR Chm: George E. Beley VP: Angela Lewis CEO/Pres: Chris M. Lehman Cash and Due from:...................................... 3,199 Federal Funds and Repos: .............................. 445 Investments: ............................................... 15,827 Total Loans:................................................ 21,658 Premises and Fixed Assets:.......................... 1,171 Other Real Estate: ........................................... 508 Other Assets:................................................... 425 Total Assets:............................................... 43,233 Total Trust Assets:............................................... 0 Deposits: .................................................... 38,004 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 235 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 38,239 Total Equity Capital and Reserves: ............... 4,994 Total Liabilities and Capital: ........................ 43,233 Number of Shares Outstanding:.................... 2,000 Directors: Charles A. Banks; George E. Beley; Chris M. Lehman; Charles F. Luter; H. F. Norcross, III; Eugene Vaughn; Lewis M. Wood Branches in Town: None Other Branches: Trumann, Tyronza Bank of McCrory McCrory, AR VOICE: (870) 731-2521 FAX: (870) 731-2859 Population: 1,971 124 Edmonds Avenue Charter Number: 128 P. O. Box 370 Date: June 8, 1903 72101-0370 County: Woodruff Trust Powers: Yes Bank Holding Company M. D. Thompson & Son Co., McCrory, AR Chm: Ian Arnof Cash/TO: Bobby Trotter CEO/Pres: Sean H. Williams Cash and Due from:...................................... 2,177 Federal Funds and Repos: ......................... 11,700 Investments: ............................................... 15,779 Total Loans:................................................ 36,344 Premises and Fixed Assets:............................. 423 Other Real Estate: ............................................... 2 Other Assets:................................................ 1,054 Total Assets:............................................... 67,479 Total Trust Assets:........................................... 272 Deposits: .................................................... 59,157 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 489 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 59,646 Total Equity Capital and Reserves: ............... 7,833 Total Liabilities and Capital: ........................ 67,479 Number of Shares Outstanding:.................. 20,000 Directors: Ian Arnof; Donald Cain; John D. Eldridge, III; Fletcher C. Lewis; G. L. Morris, Jr.; H. Ripley Thompson; John G. Thompson; Vance M. Thompson, III; Sean H. Williams Branches in Town: None Other Branches: None Eighty-Ninth Report 73 McGehee Bank McGehee, AR VOICE: (870) 222-3151 301 North Second Street Charter Number: 661 FAX: (870) 222-6159 P. O. Box 787 Date: December 5, 1933 Population: 4,997 71654-0787 County: Desha Home Page: http://www.mcgeheebank.com Trust Powers: Yes Bank Holding Company Southeast Financial Bankstock Corporation, McGehee, AR Chm/CEO/Pres: William W. Bowman EVP/TO: James M. Smith VChm: John H. Potter, Jr. VP/Cash: Stephen Wilson Cash and Due from: ....................................10,982 Federal Funds and Repos: .................................. 0 Investments:................................................30,710 Total Loans: ................................................50,584 Premises and Fixed Assets: .............................237 Other Real Estate:..............................................76 Other Assets: ................................................2,190 Total Assets: ...............................................94,779 Total Trust Assets: ......................................41,012 Deposits: .....................................................79,104 Federal Funds and Borrowings:....................... 500 Other Liabilities:............................................... 642 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................80,246 Total Equity Capital and Reserves:..............14,533 Total Liabilities and Capital:.........................94,779 Number of Shares Outstanding: ................712,360 Directors: Lee Bowman; William W. Bowman; Bill E. Elliott; Eugene Gilliam; David S. Leech; John H. Potter, Jr.; James N. Smith Branches in Town: One Other Branches: Arkansas City, Tillar, Watson The Union Bank of Mena Mena, AR VOICE: (479) 394-2211 FAX: (479) 394-8901 Population: 5,475 303 Hwy. 71 North Charter Number: 667 P. O. Box 898 Date: July 25, 1934 71953-0898 County: Polk Trust Powers: No Bank Holding Company Union Bankshares, Inc., Mena, AR Chm: Edward W. Stevenson SVP: Jesse Sullivan CEO/Pres: Philip B. Hensley SVP/CFO: Michael Myers Cash and Due from: ......................................3,172 Federal Funds and Repos: .................................. 0 Investments:................................................49,431 Total Loans: ................................................90,720 Premises and Fixed Assets: ..........................4,625 Other Real Estate:..............................................55 Other Assets: ................................................2,085 Total Assets: .............................................150,088 Total Trust Assets: .............................................. 0 Deposits: ...................................................121,370 Federal Funds and Borrowings:...................13,590 Other Liabilities:............................................... 475 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................135,435 Total Equity Capital and Reserves:..............14,653 Total Liabilities and Capital:.......................150,088 Number of Shares Outstanding: ..................12,000 Directors: Robert A. Carver; John A. Crawford; R. L. Hamilton; Philip B. Hensley; David Maddox; Pauline Morrow; Edward W. Stevenson; Bill L. Wood Branches in Town: None Other Branches: Hatfield, Wickes Arkansas State Bank Department 74 Commercial Bank & Trust Company Monticello, AR VOICE: (870) 367-6221 212 West Gaines Street Charter Number: 396 FAX: (870) 367-7700 P. O. Box 150 Date: November 29, 1912 Population: 8,116 71657-0150 County: Drew Home Page: http://www.commercial-bank.net Trust Powers: Yes Bank Holding Company Drew Bancshares, Inc., Monticello, AR Pres/COO: George T. Harris SVP/TO: Rusty Smith SVP: Gene Gates Cash and Due from:.................................... 12,038 Federal Funds and Repos: ........................... 1,100 Investments: ............................................... 36,789 Total Loans:.............................................. 100,346 Premises and Fixed Assets:.......................... 1,513 Other Real Estate: ........................................... 178 Other Assets:................................................ 2,258 Total Assets:............................................. 154,222 Total Trust Assets:...................................... 10,622 Deposits: .................................................. 138,197 Federal Funds and Borrowings: ....................... 553 Other Liabilities: ............................................... 780 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 139,530 Total Equity Capital and Reserves: ............. 14,692 Total Liabilities and Capital: ...................... 154,222 Number of Shares Outstanding:.................... 8,000 Directors: Joe Brannen; James H. Burks; C. C. Gibson, III; Reginald Glover; George T. Harris; R. D. Jones, Jr.; Wayne L. Owen, Jr.; Bennie Ryburn, III; Bennie F. Ryburn, Jr.; Virginia M. Ryburn; Kim Ward Branches in Town: Three Other Branches: None Union Bank And Trust Company Monticello, AR VOICE: (870) 460-6400 FAX: (870) 460-6465 Population: 8,116 102 West McCloy Charter Number: 448 P. O. Box 270 Date: September 15, 1915 71657-0270 County: Drew Home Page: http://www.unionbnk.com Trust Powers: Yes Bank Holding Company First Union Financial Corporation, Monticello, AR Chm: Zach McClendon, Jr. EVP/TO: Beverly Hudson CEO/Pres: James P. Jett SVP/Cash: Reathel Harris Cash and Due from:...................................... 4,873 Federal Funds and Repos: .................................. 0 Investments: ............................................... 31,427 Total Loans:.............................................. 134,775 Premises and Fixed Assets:.......................... 2,753 Other Real Estate: ........................................... 108 Other Assets:................................................ 7,210 Total Assets:............................................. 181,146 Total Trust Assets:...................................... 14,613 Deposits: .................................................. 156,431 Federal Funds and Borrowings: .................... 5,975 Other Liabilities: ............................................ 1,286 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 163,692 Total Equity Capital and Reserves: ............. 17,454 Total Liabilities and Capital: ...................... 181,146 Number of Shares Outstanding:.................. 80,000 Directors: William K. Ball; Frank Carson, Jr.; Jonathan H. Davis; Charles F. Dearman, Jr.; Robert Dale Handly, Sr.; Charles E. Jackson; James P. Jett; John Lipton; John S. McClendon; Zach McClendon, Jr.; Wells Moffatt; John Porter Price; Richard Reinhart; David E. Wilkins Branches in Town: Two Other Branches: Warren, Wilmar Eighty-Ninth Report 75 Petit Jean State Bank Morrilton, AR VOICE: (501) 354-4988 FAX: (501) 354-6560 Population: 6,551 707 North Saint Joseph Street Charter Number: 777 P. O. Box 680 Date: January 27, 1999 72110 County: Conway Trust Powers: No Bank Holding Company Petit Jean Bancshares, Inc., Morrilton, AR Chm/Pres: Charles S. Penick EVP: Suzanne Hartman EVP: Paul Edenfield Cash and Due from: ......................................5,234 Federal Funds and Repos: ............................3,535 Investments:..................................................5,610 Total Loans: ................................................81,872 Premises and Fixed Assets: .............................943 Other Real Estate:............................................806 Other Assets: ................................................1,461 Total Assets: ...............................................99,461 Total Trust Assets: .............................................. 0 Deposits: .....................................................86,076 Federal Funds and Borrowings:.....................3,813 Other Liabilities:............................................... 455 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................90,344 Total Equity Capital and Reserves:................9,117 Total Liabilities and Capital:.........................99,461 Number of Shares Outstanding: ..................50,000 Directors: W. O. Byrd; Hall M. Calhoun, III; Katherine Foust; Michael D. Koone; John Bernard Maus, Jr.; Bruce M. Netherton; Charles Ormond; Charles S. Penick; Larry Wayne Smith; Stanton C. Willis Branches in Town: None Other Branches: None First Security Bank of Mountain Home Mountain Home, AR VOICE: (870) 425-2166 FAX: (870) 424-4353 Population: 9,027 Ninth and Baker Streets Charter Number: 147 P. O. Box 1906 Date: August 10, 1906 72654-1906 County: Baxter Home Page: http://www.fsbmtnhome.com Trust Powers: Yes Bank Holding Company First Security Bancorp, Searcy, AR Chm: Reynie Rutledge Pres: Tim Coleman CEO: Larry G. Nelson TO: Paul E. Johnson Cash and Due from: ....................................10,234 Federal Funds and Repos: .................................. 0 Investments:..............................................126,171 Total Loans: ..............................................144,311 Premises and Fixed Assets: ..........................3,124 Other Real Estate:.........................................1,262 Other Assets: ................................................4,151 Total Assets: .............................................289,253 Total Trust Assets: ......................................63,831 Deposits: ...................................................244,492 Federal Funds and Borrowings:...................17,404 Other Liabilities:.............................................1,137 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................263,033 Total Equity Capital and Reserves:..............26,220 Total Liabilities and Capital:.......................289,253 Number of Shares Outstanding: ................110,000 Directors: Tim Coleman; James Faulkner; D. Eugene Fortson; Donald T. Jack, Jr.; Guy King; James E. Lindsey; Larry G. Nelson; N. T. Rutledge; Reynie Rutledge; W. M. Thompson Branches in Town: Three Other Branches: Bull Shoals, Gassville 76 Arkansas State Bank Department TrustBanc Mountain Home, AR VOICE: (870) 424-4100 FAX: (870) 424-4144 Population: 9,027 665 Highway 62 East Charter Number: 774 P. O. Box 2130 Date: May 12, 1998 72654-2130 County: Baxter Home Page: http://www.trustbanc.com Trust Powers: Yes Bank Holding Company TrustBanc Financial Group, Inc., Mountain Home, AR Chm: Hugh D. McClain EVP/CFO: Gregory D. Allen CEO/Pres: Phillip H. Young Cash and Due from:...................................... 3,048 Federal Funds and Repos: ........................... 1,175 Investments: ............................................... 23,807 Total Loans:................................................ 59,141 Premises and Fixed Assets:.......................... 4,349 Other Real Estate: ............................................... 0 Other Assets:................................................ 3,322 Total Assets:............................................... 94,842 Total Trust Assets:............................................... 0 Deposits: .................................................... 74,753 Federal Funds and Borrowings: .................. 10,447 Other Liabilities: ............................................... 763 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 85,963 Total Equity Capital and Reserves: ............... 8,879 Total Liabilities and Capital: ........................ 94,842 Number of Shares Outstanding:........................... 1 Directors: Ralph L. Brown; Jack Lee Gregory; Elton W. Kirby; Deborah Alford Knox; Hugh D. McClain; John Reese; Phillip H. Young Branches in Town: None Other Branches: None Bank of Mountain View Mountain View, AR VOICE: (870) 269-3815 FAX: (870) 269-2899 Population: 2,439 121 East Main Street Charter Number: 446 P. O. Box 1228 Date: July 21, 1915 72560-1228 County: Stone Trust Powers: No Bank Holding Company Mountain View Bancshares, Inc., Mountain View, AR Chm: Glen Hinkle EVP: Weldon Duncan Pres: James G. Hinkle VP/Cash: Ron Sims Cash and Due from:...................................... 3,291 Federal Funds and Repos: ........................... 4,955 Investments: ............................................... 78,243 Total Loans:................................................ 70,520 Premises and Fixed Assets:............................. 935 Other Real Estate: ........................................... 102 Other Assets:................................................ 2,361 Total Assets:............................................. 160,407 Total Trust Assets:............................................... 0 Deposits: .................................................. 134,452 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 344 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 134,796 Total Equity Capital and Reserves: ............. 25,611 Total Liabilities and Capital: ...................... 160,407 Number of Shares Outstanding:.................... 4,000 Directors: Glen Hinkle; James G. Hinkle; Kenneth Sutton Branches in Town: One Other Branches: None Eighty-Ninth Report 77 Allied Bank Mulberry, AR VOICE: (479) 997-1154 FAX: (479) 997-1161 Population: 1,448 Chm: Betty Feller CEO: Lex Golden 311 Main Street Charter Number: 81 P. O. Drawer A Date: January 15, 1902 72947-0480 County: Crawford Trust Powers: No Member of Federal Reserve System Bank Holding Company Acme Holding Company, Inc., Mulberry, AR Pres/COO: Alex Golden SVP/Cash: Dianna J. Millsap Cash and Due from: ......................................2,505 Federal Funds and Repos: ............................8,733 Investments:................................................17,311 Total Loans: ................................................75,296 Premises and Fixed Assets: ..........................2,337 Other Real Estate:............................................232 Other Assets: ................................................4,464 Total Assets: .............................................110,878 Total Trust Assets: .............................................. 0 Deposits: .....................................................97,125 Federal Funds and Borrowings:....................... 503 Other Liabilities:.............................................1,931 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................99,559 Total Equity Capital and Reserves:..............11,269 Total Liabilities and Capital:.......................110,828 Number of Shares Outstanding: ....................4,000 Directors: Robert R. Baker; Paula Coward; Jerry T. Dickerson; Betty Feller; Alex Golden; Lex Golden; Randall L. Hollis, Sr.; John Hunter; Amy Golden McCay; Leander J. Muncy, Jr.; L. Jan Nordin; Earl Overton; Ronnie D. Wooten Branches in Town: One Other Branches: Little Rock, Mansfield, Ozark Diamond State Bank Murfreesboro, AR VOICE: (870) 285-2172 FAX: (870) 285-2755 Population: 1,542 Chm: Duke Bainum CEO/Pres: John A. Ross 319 East Main Charter Number: 175 P. O. Box 279 Date: December 19, 1904 71958-0279 County: Pike Trust Powers: No Bank Holding Company Bainum Bancorp II, Glenwood, AR Cash: Brenda Roberts Cash and Due from: ....................................13,542 Federal Funds and Repos: ............................7,000 Investments:................................................49,072 Total Loans: ..............................................103,615 Premises and Fixed Assets: ..........................4,184 Other Real Estate:............................................202 Other Assets: ................................................4,594 Total Assets: .............................................182,209 Total Trust Assets: .............................................. 0 Deposits: ...................................................159,411 Federal Funds and Borrowings:.....................8,072 Other Liabilities:............................................... 570 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................168,053 Total Equity Capital and Reserves:..............14,156 Total Liabilities and Capital:.......................182,209 Number of Shares Outstanding: ..................10,296 Directors: Tim Brotherton; Duke Bainum; Evea Bainum; Timothy Bainum; Robert Evans; Mike Moore; John A. Ross; Bill Spigner; George E. Steel, Jr.; George E. Steel, Sr.; Raymond Walls Branches in Town: None Other Branches: DeQueen, Dierks, Hope, Mineral Springs, Nashville 78 Arkansas State Bank Department Merchants & Planters Bank Newport, AR VOICE: (870) 523-3601 FAX: (870) 523-3473 Population: 7,459 120 Hazel Charter Number: 694 P. O. Box 650 Date: March 20, 1946 72112-0650 County: Jackson Home Page: http://www.mandpbank.com Trust Powers: Yes Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/CEO/TO: Jim S. Gowen, Sr. SVP: Carla P. Stiger Pres: Jim S. Gowen, Jr. SVP/Cash: Patricia McFarland Cash and Due from:.................................... 13,726 Federal Funds and Repos: .............................. 925 Investments: ............................................... 43,981 Total Loans:................................................ 77,511 Premises and Fixed Assets:.......................... 5,491 Other Real Estate: ............................................. 62 Other Assets:................................................ 3,225 Total Assets:............................................. 144,921 Total Trust Assets:...................................... 21,775 Deposits: .................................................. 128,731 Federal Funds and Borrowings: .................... 3,318 Other Liabilities: ............................................... 825 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 132,874 Total Equity Capital and Reserves: ............. 12,047 Total Liabilities and Capital: ...................... 144,921 Number of Shares Outstanding:.................... 9,000 Directors: Morris L. Bowman; Thomas R. Curtner; Terry L. Dillon; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Dr. Troy A. Gray; Mary K. Hardin; Gerald A. Saracini; J. Edward Scoggins Branches in Town: One Other Branches: Batesville (3), McCrory, Newark, Pleasant Plains, Tuckerman Twin City Bank North Little Rock, AR VOICE: (501) 812-1400 FAX: (501) 812-1459 Population: 61,741 2716 Lakewood Village Place Charter Number: 757 P. O. Box 16270 Date: July 26, 1991 72231 County: Pulaski Home Page: http://www.twincitybank.net Trust Powers: Yes Bank Holding Company TCBancorp, Inc., North Little Rock, AR Chm: Richard H. Ashley SVP: Brent Geels CEO/Pres: Robert F. Birch, Jr. VP: Donna Hardcastle Cash and Due from:.................................... 12,035 Federal Funds and Repos: .................................. 0 Investments: ............................................. 161,986 Total Loans:.............................................. 155,024 Premises and Fixed Assets:.......................... 7,937 Other Real Estate: ............................................. 25 Other Assets:................................................ 2,903 Total Assets:............................................. 339,910 Total Trust Assets:............................................... 0 Deposits: .................................................. 258,452 Federal Funds and Borrowings: .................. 43,809 Other Liabilities: ............................................... 642 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 302,903 Total Equity Capital and Reserves: ............. 37,007 Total Liabilities and Capital: ...................... 339,910 Number of Shares Outstanding:.................. 17,000 Directors: John W. Allison; W. W. Arnold, Jr.; Richard H. Ashley; Robert F. Birch, Jr.; Dale Bruns; Sharon Davis; Agustin Fernandez; Barbara McDaniel Graves; Stuart W. Hankins; Johnny Heflin, Jr.; Herren Hickingbotham; Todd Hickingbotham; James Kincannon; Donne L. Lindsey, Sr.; Bob Russell; Mary Anne Salmon; Robert Shell Branches in Town: Three Other Branches: Little Rock (3), Sherwood Eighty-Ninth Report 79 Bank of Paragould Paragould, AR VOICE: (870) 236-7000 FAX: (870) 240-8543 Population: 18,540 3005 West Kingshighway Charter Number: 35 P. O. Box 1547 Date: September 19, 1895 72451-1547 County: Greene Trust Powers: No Bank Holding Company Security State Bancshares of Arkansas, Inc., Charleston, MO Chm: Don Burnett VP: Renee Faughn CEO/Pres: Glen Burnett Sec: William Clayton Vandivort Cash and Due from: ......................................1,716 Federal Funds and Repos: ............................1,351 Investments:........................................................ 0 Total Loans: ................................................72,216 Premises and Fixed Assets: ..........................2,712 Other Real Estate:..............................................12 Other Assets: ................................................2,240 Total Assets: ...............................................80,247 Total Trust Assets: .............................................. 0 Deposits: .....................................................66,692 Federal Funds and Borrowings:.....................6,386 Other Liabilities:............................................... 211 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................73,289 Total Equity Capital and Reserves:................6,958 Total Liabilities and Capital:.........................80,247 Number of Shares Outstanding: ..................12,500 Directors: Martin Buchman; Don Burnett; Glen Burnett; Rebecca Dugan; Dean Inman; William Clayton Vandivort Branches in Town: None Other Branches: Marmaduke Peoples Bank Paragould, AR VOICE: (870) 236-7623 FAX: (870) 236-7492 Population: 18,540 300 West Emerson Charter Number: 762 P. O. Box 490 Date: September 13, 1991 72451 County: Greene Trust Powers: Yes Bank Holding Company Spring Rivers Bancshares, Inc., Paragould, AR Chm: Charles F. Luter EVP: Warren E. Luter CEO/Pres: David L. Ault VP/Cash: Crete Rhodes Cash and Due from: ......................................5,715 Federal Funds and Repos: ............................8,650 Investments:................................................18,260 Total Loans: ................................................46,260 Premises and Fixed Assets: ..........................2,237 Other Real Estate:............................................894 Other Assets: ................................................2,038 Total Assets: ...............................................84,054 Total Trust Assets: .............................................. 0 Deposits: .....................................................72,097 Federal Funds and Borrowings:.....................5,732 Other Liabilities:............................................... 430 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................78,259 Total Equity Capital and Reserves:................5,795 Total Liabilities and Capital:.........................84,054 Number of Shares Outstanding: ..................17,811 Directors: David L. Ault; Rex Bouldin; Preston Clark; George E. Cook; Moud Gazaway; Charles F. Luter; Warren E. Luter Branches in Town: One Other Branches: Rector 80 Arkansas State Bank Department Southern Bank of Commerce Paragould, AR VOICE: (870) 236-2500 FAX: (870) 236-7283 Population: 18,540 1727 West Kingshighway Charter Number: 781 P. O. Box 1605 Date: November 4, 1999 72450 County: Greene Trust Powers: Yes Member of Federal Reserve System Bank Holding Company None Chm: Charles Lindy Miller VP: Donna Miller Pres: Greg Miller Cash: Terry Sessums Cash and Due from:...................................... 2,776 Federal Funds and Repos: ........................... 3,860 Investments: ...................................................... 53 Total Loans:................................................ 23,699 Premises and Fixed Assets:.......................... 1,391 Other Real Estate: ............................................... 0 Other Assets:................................................... 493 Total Assets:............................................... 32,272 Total Trust Assets:............................................... 0 Deposits: .................................................... 28,286 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 88 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 28,374 Total Equity Capital and Reserves: ............... 3,898 Total Liabilities and Capital: ........................ 32,272 Number of Shares Outstanding:............. 3,742,677 Directors: Asa A. Crow; Howard Eldridge; David Holbrook; Charles Lindy Miller; Greg Miller; Louise Miller; Donald Parker Branches in Town: None Other Branches: Brookland, Jonesboro Delta Trust & Bank Parkdale, AR VOICE: (870) 473-2217 FAX: (870) 473-2492 Population: 393 1853 Highway 165 South Charter Number: 141 P. O. Box 37 Date: February 1, 1910 71661-0037 County: Ashley Home Page: http://www.delta-trust.com Trust Powers: Yes Bank Holding Company Delta Trust & Banking Corporation, Little Rock, AR Chm: Thomas R. Pugh, Sr. EVP/COO: Bruce Timmons Pres: Carroll Penick SVP: Jim Shenep Cash and Due from:.................................... 11,034 Federal Funds and Repos: .............................. 860 Investments: ............................................... 22,489 Total Loans:.............................................. 125,431 Premises and Fixed Assets:.......................... 5,740 Other Real Estate: ............................................. 18 Other Assets:................................................ 3,374 Total Assets:............................................. 168,946 Total Trust Assets:...................................... 99,396 Deposits: .................................................. 142,074 Federal Funds and Borrowings: .................. 11,561 Other Liabilities: ............................................... 406 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 154,041 Minority Interest in Consolidated Subs ............... 34 Total Equity Capital and Reserves: ............. 14,871 Total Liabilities and Capital: ...................... 168,946 Number of Shares Outstanding:.................. 16,000 Directors: Mack H. Ball, Jr.; Carl John Bierbaum; John B. Currie, Sr.; William B. deYampert; Dewayne Haynes; J. French Hill; James N. Murphy; Carroll Penick; George L. Pugh; Leyden Pugh; Thomas R. Pugh, Jr.; Thomas R. Pugh, Sr.; Neill Sloan Branches in Town: None Other Branches: Bella Vista, Eudora, Gravette, Hamburg, Little Rock (3), Wilmot Eighty-Ninth Report 81 First State Bank Parkin, AR VOICE: (870) 755-5401 FAX: (870) 755-5648 Population: 1,847 77 Parkin Avenue Charter Number: 568 P. O. Box 526 Date: June 5, 1925 72373-0526 County: Cross Trust Powers: No Bank Holding Company Parkin Bancorp, Inc., Parkin, AR Chm/CEO: William N. Griffin SVP/Cash: Brenda F. Williams Pres: Edward M. King, III VP: John Cooper Cash and Due from: ......................................1,583 Federal Funds and Repos: ...............................585 Investments:..................................................6,505 Total Loans: ................................................12,082 Premises and Fixed Assets: .............................194 Other Real Estate:............................................274 Other Assets: ...................................................405 Total Assets: ...............................................21,628 Total Trust Assets: .............................................. 0 Deposits: .....................................................16,976 Federal Funds and Borrowings:.....................2,000 Other Liabilities:............................................... 166 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................19,142 Total Equity Capital and Reserves:................2,486 Total Liabilities and Capital:.........................21,628 Number of Shares Outstanding: ....................4,000 Directors: Mark Baioni; Fred E. Brenner, Jr.; John A. Brenner; John A. Brenner, Jr.; Raymond S. Clift; Elizabeth N. Griffin; Neil Griffin; Russell H. Griffin; William N. Griffin; William N. Griffin, Jr.; Edward M. King, III; Donald T. McKnight; James K. Wyatt Branches in Town: None Other Branches: West Memphis Chart Bank Perryville, AR VOICE: (501) 889-2318 FAX: (501) 889-5727 Population: 1,141 813 North Fourche Avenue Charter Number: 690 P. O. Box 189 Date: December 8, 1945 72126-0189 County: Perry Home Page: http://www.mychartbank.com Trust Powers: No Bank Holding Company Perry County Bancshares, Inc., Perryville, AR CEO/Pres: Robert Gregory Connell SVP: Laura Hopper SVP: Joe Carter CFO: Ken Jennings Cash and Due from: ......................................2,421 Federal Funds and Repos: ............................1,840 Investments:................................................54,550 Total Loans: ................................................52,228 Premises and Fixed Assets: ..........................2,327 Other Real Estate:.........................................1,344 Other Assets: ................................................3,629 Total Assets: .............................................118,339 Total Trust Assets: .............................................. 0 Deposits: .....................................................94,095 Federal Funds and Borrowings:...................15,034 Other Liabilities:............................................... 458 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................109,587 Total Equity Capital and Reserves:................8,752 Total Liabilities and Capital:.......................118,339 Number of Shares Outstanding: ..................16,000 Directors: Billie Jo Branscum; Herby Branscum, Jr.; James S. Branscum; Lee A. Gibbons; Robert M. Hill; Shirley Hill; J. Baylor House; Tracy M. Price; Jim Rankin Branches in Town: None Other Branches: Bigelow, Morrilton 82 Arkansas State Bank Department Piggott State Bank Piggott, AR VOICE: (870) 598-3802 212 West Cherry Charter Number: 613 FAX: (870) 598-2026 P. O. Box 307 Date: March 10, 1930 Population: 3,777 72454-0307 County: Clay Home Page: http://www.piggottstatebank.com Trust Powers: No Bank Holding Company Piggott Bankstock, Inc., Piggott, AR Chm/CEO/Pres: Paula O. Blackwell VP/Cash: James C. Poole VP: Debra A. Mills Cash and Due from:...................................... 4,340 Federal Funds and Repos: ........................... 3,700 Investments: ............................................... 18,118 Total Loans:................................................ 35,684 Premises and Fixed Assets:............................. 770 Other Real Estate: ............................................. 62 Other Assets:................................................... 604 Total Assets:............................................... 63,278 Total Trust Assets:............................................... 0 Deposits: .................................................... 57,055 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 357 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 57,412 Total Equity Capital and Reserves: ............... 5,866 Total Liabilities and Capital: ........................ 63,278 Number of Shares Outstanding:.................... 4,000 Directors: Steve Bell; Paula O. Blackwell; James C. Poole Branches in Town: One Other Branches: None Bank of Pocahontas Pocahontas, AR VOICE: (870) 892-5286 FAX: (870) 892-8381 Population: 6,151 1 Bank Plaza Charter Number: 145 P. O. Box 467 Date: October 31, 1903 72455-0467 County: Randolph Trust Powers: No Bank Holding Company Pocahontas Bankstock, Inc., Pocahontas, AR Chm/CEO/Pres: John R. Jackson, Jr. CFO/VP: Terry R. Dickson EVP/COO: G. L. Lieblong VP: Michael L. Miller Cash and Due from:...................................... 6,071 Federal Funds and Repos: ........................... 3,000 Investments: ............................................... 44,169 Total Loans:................................................ 72,476 Premises and Fixed Assets:.......................... 4,257 Other Real Estate: ........................................... 876 Other Assets:................................................ 2,157 Total Assets:............................................. 133,006 Total Trust Assets:............................................... 0 Deposits: .................................................. 108,008 Federal Funds and Borrowings: .................. 12,331 Other Liabilities: ............................................... 519 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 120,858 Total Equity Capital and Reserves: ............. 12,148 Total Liabilities and Capital: ...................... 133,006 Number of Shares Outstanding:.................... 5,000 Directors: Carol Belford-Lewallen; Frank Bigger; Don R. Cox; J. Phillip Futrell; John R. Jackson, Jr.; G. L. Lieblong; Michael L. McNabb Branches in Town: One Other Branches: Cave City Eighty-Ninth Report 83 Home Bank of Arkansas Portland, AR VOICE: (870) 737-2236 FAX: (870) 737-2816 Population: 560 113 Hwy 165 South Charter Number: 251 P. O. Box 178 Date: January 22, 1908 71663-0178 County: Ashley Trust Powers: No Bank Holding Company Peoples Home Holding, Inc., Greenbrier, AR Chm/CEO/Pres: John Stacks VP: Barbara McWilliams CFO/VP: Bill Hannah VP: Terry Milam Cash and Due from: .........................................832 Federal Funds and Repos: ...............................275 Investments:..................................................1,602 Total Loans: ................................................20,747 Premises and Fixed Assets: .............................879 Other Real Estate:..............................................31 Other Assets: ...................................................385 Total Assets: ...............................................24,751 Total Trust Assets: .............................................. 0 Deposits: .....................................................22,216 Federal Funds and Borrowings:........................... 0 Other Liabilities:............................................... 116 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................22,332 Total Equity Capital and Reserves:................2,419 Total Liabilities and Capital:.........................24,751 Number of Shares Outstanding: ....................4,000 Directors: Joe Benton; Jerold Brock; Bill Hannah; Terry Milam; Roy Montgomery; John Stacks; Jack Treat Branches in Town: None Other Branches: Damascus, Greenbrier, Marshall Portland Bank Portland, AR VOICE: (870) 737-2226 FAX: (870) 737-4263 Population: 560 Main Street P. O. Box 68 71663-0068 Trust Powers: No Bank Holding Company Portland Bankshares, Inc., Portland, AR Chm/CEO: Jerry Sadler Pres: Chris Lampkin Cash and Due from: ......................................3,641 Federal Funds and Repos: ............................1,695 Investments:................................................12,056 Total Loans: ................................................43,576 Premises and Fixed Assets: ..........................2,399 Other Real Estate:............................................... 0 Other Assets: ...................................................801 Total Assets: ...............................................64,168 Total Trust Assets: .............................................. 0 Charter Number: 57 Date: April 23, 1900 County: Ashley Deposits: .....................................................53,461 Federal Funds and Borrowings:.....................5,140 Other Liabilities:............................................... 574 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................59,175 Total Equity Capital and Reserves:................4,993 Total Liabilities and Capital:.........................64,168 Number of Shares Outstanding: ..................20,000 Directors: Mack Borgognoni; C. E. Bridewell; Chris Lampkin; Benton Newcome; Joel Newcome; Robert D. Pugh; Jerry Sadler; Eddie Scherm Branches in Town: None Other Branches: Crossett, Monticello (2) 84 Arkansas State Bank Department Bank of Prescott Prescott, AR VOICE: (870) 887-2688 East Second at Main Charter Number: 162 FAX: (870) 887-6822 P.O. Drawer 490 Date: August 10, 1904 Population: 3,673 71857-0490 County: Nevada Home Page: http://www.bankofprescott.com Trust Powers: Yes Bank Holding Company Prescott Bancshares, Inc., Prescott, AR Chm: John Warren Brannan, Sr. EVP: James E. Franks CEO/Pres: John Warren Brannan, Jr. Treas/Sec: Karen McLelland Cash and Due from:...................................... 6,040 Federal Funds and Repos: ........................... 7,125 Investments: ............................................... 19,681 Total Loans:................................................ 32,403 Premises and Fixed Assets:............................. 550 Other Real Estate: ............................................. 40 Other Assets:................................................ 1,364 Total Assets:............................................... 67,203 Total Trust Assets:............................................... 0 Deposits: .................................................... 58,159 Federal Funds and Borrowings: ....................... 547 Other Liabilities: ............................................... 211 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 58,917 Total Equity Capital and Reserves: ............... 8,286 Total Liabilities and Capital: ........................ 67,203 Number of Shares Outstanding:.................. 24,000 Directors: John Warren Brannan, Sr.; John Warren Brannan, Jr.; Carl Dalrymple, Jr.; James E. Franks; Robert L. Godwin; Billy Hines; Jean K. Jones; Phillip McAdams; Abb Morman; R. W. Murry; Larry Rhodes; Robert Smith; John Vansickle Branches in Town: None Other Branches: None The Bank of Rison Rison, AR VOICE: (870) 325-6251 FAX: (870) 325-7661 Population: 1,258 Chm: James L. Moore, Jr. CEO/Pres: James R. Hopson 200 Main Street Charter Number: 650 P. O. Box 345 Date: March 7, 1932 71665-0345 County: Cleveland Trust Powers: No Bank Holding Company None VP: Cliff Hopson VP/Cash: Judy Thompson Cash and Due from:...................................... 2,101 Federal Funds and Repos: ........................... 4,305 Investments: ................................................. 7,514 Total Loans:................................................ 12,115 Premises and Fixed Assets:............................. 147 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,060 Total Assets:............................................... 27,242 Total Trust Assets:............................................... 0 Deposits: .................................................... 22,883 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 73 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 22,956 Total Equity Capital and Reserves: ............... 4,286 Total Liabilities and Capital: ........................ 27,242 Number of Shares Outstanding:.................... 4,000 Directors: John W. Elrod; James R. Hopson; Ray B. Martin; James L. Moore, Jr.; Lee Moore Branches in Town: None Other Branches: None Eighty-Ninth Report 85 Bank of Rogers Rogers, AR VOICE: (479) 621-6800 FAX: (479) 621-6801 Population: 33,000 801 North Dixieland Charter Number: 765 P. O. Box 699 Date: October 26, 1995 72757-0699 County: Benton Trust Powers: No Member of Federal Reserve System Bank Holding Company BOR Bancshares, Inc., Rogers, AR Chm/CEO: Dick McLelland EVP: Scott Franklin Pres: Guy J. Cable Cash and Due from: ......................................8,694 Federal Funds and Repos: ............................5,430 Investments:................................................10,812 Total Loans: ................................................75,128 Premises and Fixed Assets: ..........................3,116 Other Real Estate:............................................168 Other Assets: ................................................3,436 Total Assets: .............................................106,784 Total Trust Assets: .............................................. 0 Deposits: .....................................................92,977 Federal Funds and Borrowings:.....................5,000 Other Liabilities:............................................... 491 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................98,468 Total Equity Capital and Reserves:................8,316 Total Liabilities and Capital:.......................106,784 Number of Shares Outstanding: ..................32,150 Directors: Guy J. Cable; Roland Julian; Dick McLelland; Virginia Mocivnik; Jerry Pittman; Kent Rylee; Tony Steele; David Swearingen; Lewis D. Yarborough Branches in Town: One Other Branches: Centerton, Lowell Simmons First Bank of Northwest Arkansas Rogers, AR VOICE: (479) 636-0884 FAX: (479) 636-7819 Population: 33,000 111 North 8th Street Charter Number: 672 P. O. Box 1803 Date: July 8, 1935 72756 County: Benton Home Page: http://www.simmonsfirst.com Trust Powers: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Joe S. Mills SVP: Gail Jordan EVP: Dennis Ferguson VP/Cash: Darlene Cheatham Cash and Due from: ....................................12,194 Federal Funds and Repos: .................................. 0 Investments:................................................41,302 Total Loans: ..............................................148,730 Premises and Fixed Assets: ..........................4,679 Other Real Estate:............................................446 Other Assets: ................................................8,251 Total Assets: .............................................215,602 Total Trust Assets: .............................................. 0 Deposits: ...................................................184,394 Federal Funds and Borrowings:.....................8,093 Other Liabilities:............................................... 918 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................193,405 Total Equity Capital and Reserves:..............22,197 Total Liabilities and Capital:.......................215,602 Number of Shares Outstanding: ..................18,000 Directors: Dennis Ferguson; Dorothy Hanby; Craig Hunt; Joe S. Mills; Loyd R. Swope; Jim Tull; Sonya Yates Branches in Town: One Other Branches: Bella Vista, Fayetteville (2), Lincoln, Prairie Grove, Siloam Springs, Springdale (2) 86 Arkansas State Bank Department First Arkansas Valley Bank Russellville, AR VOICE: (479) 967-2151 FAX: (479) 967-1456 Population: 21,260 401 North Arkansas Avenue Charter Number: 714 P. O. Box 4026 Date: August 29, 1961 72811 County: Pope Home Page: http://www.firstarkansas.com Trust Powers: Yes Bank Holding Company Russellville Bancshares, Inc., Jonesboro, AR Chm/CEO: Roy A. Reaves Reg Pres: Charles H. Green Pres: Benny R. Harris VP/TO: Ellen Tarkington Cash and Due from:.................................... 13,988 Federal Funds and Repos: .................................. 0 Investments: ............................................. 104,321 Total Loans:.............................................. 254,229 Premises and Fixed Assets:.......................... 7,629 Other Real Estate: ........................................... 478 Other Assets:.............................................. 18,697 Total Assets:............................................. 399,342 Total Trust Assets:........................................ 7,942 Deposits: .................................................. 287,968 Federal Funds and Borrowings: .................. 72,066 Other Liabilities: ............................................ 1,800 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 361,834 Total Equity Capital and Reserves: ............. 37,508 Total Liabilities and Capital: ...................... 399,342 Number of Shares Outstanding:................ 139,594 Directors: Luke Duffield; Dain Duvall; Ray Ferguson; Wallace W. Fowler; Nathan V. George; Charles H. Green; Benny R. Harris; Don Helms; Lloyd McCracken, Jr.; Carl Rackley; Roy A. Reaves; Donald C. Riley; Gene D. Ring; Ray L. Robinson; Michael Warren Branches in Town: Five Other Branches: Atkins, Dardanelle (2), Pottsville, Searcy (2) First State Bank Russellville, AR VOICE: (479) 498-2400 FAX: (479) 498-2465 Population: 21,260 3103 East Main Charter Number: 663 P. O. Box 10610 Date: January 12, 1934 72812 County: Pope Home Page: http://www.fsbmybank.com Trust Powers: No Bank Holding Company First State Banking Corporation, Russellville, AR Chm/Pres: Charles Blanchard EVP: Max Mathis VChm: Don C. Guess EVP: Johnny K. Morgan Cash and Due from:...................................... 3,588 Federal Funds and Repos: .................................. 0 Investments: ............................................... 85,068 Total Loans:.............................................. 118,716 Premises and Fixed Assets:............................. 828 Other Real Estate: ........................................ 1,481 Other Assets:................................................ 6,121 Total Assets:............................................. 215,802 Total Trust Assets:............................................... 0 Deposits: .................................................. 176,864 Federal Funds and Borrowings: .................. 20,640 Other Liabilities: ............................................... 625 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 198,129 Total Equity Capital and Reserves: ............. 17,673 Total Liabilities and Capital: ...................... 215,802 Number of Shares Outstanding:.................. 20,000 Directors: Charles Blanchard; William H. Bowen; Don C. Guess; Mike Miller; Johnny K. Morgan; George Tippin; C. Tim White; Robert M. Wilson; Phil Wright Branches in Town: One Other Branches: Ola, Plainview Eighty-Ninth Report 87 Simmons First Bank of Russellville Russellville, AR VOICE: (479) 967-8000 FAX: (479) 968-6491 Population: 21,260 800 North Arkansas Avenue Charter Number: 192 P. O. Box 3010 Date: September 29, 1905 72811-3010 County: Pope Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO: Ronald B. Jackson Reg Pres: Denton Tumbleson Pres: Gene Thomason EVP: Scott Hill Cash and Due from: ....................................19,141 Federal Funds and Repos: ............................7,750 Investments:................................................30,468 Total Loans: ..............................................131,023 Premises and Fixed Assets: ..........................5,454 Other Real Estate:............................................310 Other Assets: ..............................................20,330 Total Assets: .............................................214,476 Total Trust Assets: .............................................. 0 Deposits: ...................................................155,904 Federal Funds and Borrowings:...................11,586 Other Liabilities:.............................................1,717 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................169,207 Total Equity Capital and Reserves:..............45,269 Total Liabilities and Capital:.......................214,476 Number of Shares Outstanding: ..................10,000 Directors: Leon Anderson; Terry Bowie; Dr. Charles Boyce; Keith Cogswell; Ronald B. Jackson; Ike Allen Laws, III; Thomas Spillyards; Ed R. Stingley; Harve Taylor; Gene Thomason Branches in Town: Three Other Branches: Clarksville, Hector, London Bank of Salem Salem, AR VOICE: (870) 895-2591 FAX: (870) 895-3825 Population: 1,474 207 West Church Street Charter Number: 266 P. O. Box 338 Date: December 9, 1908 72576-0338 County: Fulton Trust Powers: No Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm: Richard T. Smith SVP/COO/Cash: Frances Atkins CEO/Pres: Mark Montgomery Cash and Due from: ......................................3,206 Federal Funds and Repos: ............................2,930 Investments:................................................11,863 Total Loans: ................................................75,844 Premises and Fixed Assets: ..........................1,585 Other Real Estate:............................................500 Other Assets: ................................................3,461 Total Assets: ...............................................99,389 Total Trust Assets: .............................................. 0 Deposits: .....................................................88,243 Federal Funds and Borrowings:.....................1,514 Other Liabilities:............................................... 389 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................90,146 Total Equity Capital and Reserves:................9,243 Total Liabilities and Capital:.........................99,389 Number of Shares Outstanding: ..................20,000 Directors: L. R. Cochran; Mark Montgomery; Marvin Newton; Dwayne Plumlee; Guy R. "Buck" Smith; Richard T. Smith Branches in Town: None Other Branches: Viola 88 Arkansas State Bank Department Logan County Bank Scranton, AR VOICE: (479) 938-2511 FAX: (479) 938-7084 Population: 218 Chm/CEO/Pres: Joe Fritsche VP: Jerry L. Davis 600 Main Street P. O. Box 85 72863-0085 Trust Powers: No Bank Holding Company None VP: Gary Fritsche Cash: Don Fritsche Cash and Due from:...................................... 4,106 Federal Funds and Repos: ........................... 1,260 Investments: ............................................... 25,834 Total Loans:................................................ 21,198 Premises and Fixed Assets:............................. 421 Other Real Estate: ............................................... 0 Other Assets:................................................... 686 Total Assets:............................................... 53,505 Total Trust Assets:............................................... 0 Charter Number: 578 Date: April 7, 1926 County: Logan Deposits: .................................................... 44,638 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 338 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 44,976 Total Equity Capital and Reserves: ............... 8,529 Total Liabilities and Capital: ........................ 53,505 Number of Shares Outstanding:.................... 4,000 Directors: Margaret Ahne; Gary Fritsche; Joe Fritsche; Mildred Fritsche; Regina M. Layes Branches in Town: None Other Branches: Subiaco First Security Bank Searcy, AR VOICE: (501) 279-3400 314 North Spring Charter Number: 649 FAX: (501) 279-3486 P. O. Box 1009 Date: February 6, 1932 Population: 18,000 72145-1009 County: White Home Page: http://www.firstsecuritybank.org Trust Powers: Yes Bank Holding Company First Security Bancorp, Searcy, AR Chm/CEO: Reynie Rutledge TO: Frank Faust Pres: James G. Wilson Cash and Due from:.................................... 20,618 Federal Funds and Repos: ........................... 8,765 Investments: ............................................. 177,900 Total Loans:.............................................. 525,503 Premises and Fixed Assets:........................ 21,432 Other Real Estate: ........................................ 1,803 Other Assets:.............................................. 10,469 Total Assets:............................................. 766,490 Total Trust Assets:...................................... 64,755 Deposits: .................................................. 697,556 Federal Funds and Borrowings: .................... 9,672 Other Liabilities: ............................................ 2,562 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 709,790 Total Equity Capital and Reserves: ............. 56,700 Total Liabilities and Capital: ...................... 766,490 Number of Shares Outstanding:.................. 24,000 Directors: Dr. David Burks; Larry Crain; Steve Lightle; John McKnight; Wayne Ridout; Dr. Porter R. Rodgers, Jr.; N. T. Rutledge; Reynie Rutledge; Jim Tarkington; James G. Wilson; E. D. Yancey Branches in Town: Four Other Branches: Beebe (3), Bella Vista, Cabot (2), Fayetteville (4), Griffithville, Heber Springs (2), Judsonia, McRae, Pangburn, Rogers (2), Springdale Eighty-Ninth Report 89 Simmons First Bank of Searcy Searcy, AR VOICE: (501) 268-7575 FAX: (501) 279-3059 Population: 18,000 401 South Main Charter Number: 528 P. O. Box 1349 Date: February 17, 1922 72145-1349 County: White Home Page: http://www.Simmonsfirst.com Trust Powers: No Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Brooks Davis SVP/Cash: Chris Rainbolt SVP: Jerry Morgan Cash and Due from: ......................................8,229 Federal Funds and Repos: .................................. 0 Investments:................................................22,874 Total Loans: ................................................74,837 Premises and Fixed Assets: ..........................4,064 Other Real Estate:............................................254 Other Assets: ................................................6,898 Total Assets: .............................................117,156 Total Trust Assets: .............................................. 0 Deposits: .....................................................89,626 Federal Funds and Borrowings:...................10,826 Other Liabilities:............................................... 498 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................100,950 Total Equity Capital and Reserves:..............16,206 Total Liabilities and Capital:.......................117,156 Number of Shares Outstanding: ..................10,000 Directors: Richard Cargile; Stuart Dalrymple; Brooks Davis; Dennis Donovan; Al Fowler; Chris Rainbolt; Glen Rambin; Robert Underwood Branches in Town: Two Other Branches: Kensett Peoples Bank Sheridan, AR VOICE: (870) 942-5707 FAX: (870) 942-2489 Population: 3,098 CEO/Pres: John D. Manatt VP: Roy E. Baxley 1409 South Rock Street, Suite F Charter Number: 786 P. O. Box 460 Date: September 11, 2000 72150 County: Grant Trust Powers: No Bank Holding Company None VP: Noka A. Emerson VP: G. Jannette Jones Cash and Due from: ......................................2,675 Federal Funds and Repos: ............................6,130 Investments:................................................16,742 Total Loans: ................................................31,613 Premises and Fixed Assets: .............................455 Other Real Estate:............................................... 0 Other Assets: ................................................1,443 Total Assets: ...............................................59,058 Total Trust Assets: .............................................. 0 Deposits: .....................................................52,421 Federal Funds and Borrowings:........................... 0 Other Liabilities:............................................... 399 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................52,820 Total Equity Capital and Reserves:................6,238 Total Liabilities and Capital:.........................59,058 Number of Shares Outstanding: ..................52,562 Directors: Dannie L. Brown; Donald L. Hedden; Gary D. Hines; Bobby G. Jeffrey; James W. Lancaster; John D. Manatt; Mary Mel Nixon; Shelby L. Taylor; Alvin L. Upton; David L. Wells; W. A. Winston Branches in Town: None Other Branches: None 90 Arkansas State Bank Department Arkansas State Bank Siloam Springs, AR VOICE: (479) 524-8101 FAX: (479) 524-3307 Population: 8,151 318 East Main Street Charter Number: 713 P. O. Box 400 Date: January 12, 1960 72761-0400 County: Benton Home Page: http://www.arkstatebank.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Arkansas State Bancshares, Inc., Siloam Springs, AR Chm: Delbert E. Allen, Jr. EVP/Cash: Beverly Lescard CEO/Pres/TO: Arthur Morris Cash and Due from:...................................... 6,360 Federal Funds and Repos: ........................... 7,950 Investments: ............................................... 38,894 Total Loans:.............................................. 100,588 Premises and Fixed Assets:.......................... 4,638 Other Real Estate: ........................................... 177 Other Assets:................................................ 2,596 Total Assets:............................................. 161,203 Total Trust Assets:........................................ 4,931 Deposits: .................................................. 134,290 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 622 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 134,912 Total Equity Capital and Reserves: ............. 26,291 Total Liabilities and Capital: ...................... 161,203 Number of Shares Outstanding:.................. 72,000 Directors: Delbert E. Allen, Jr.; Robert H. Brown; Paul Church; H. E. Harrison, Jr.; Arthur Morris; Mark Simmons; Dr. Duane Thomas Branches in Town: Two Other Branches: Gentry, Tontitown Smackover State Bank Smackover, AR VOICE: (870) 725-3051 FAX: (870) 725-3049 Population: 2,232 708 North Broadway Charter Number: 600 P. O. Drawer 107 Date: April 18, 1928 71762-0107 County: Union Trust Powers: Yes Bank Holding Company Smackover Bancshares, Inc., Smackover, AR CEO/Pres: Bob Willett SVP: James B. Yeager SVP: J. Drew Tennyson VP/TO: Vicki Davis Cash and Due from:...................................... 3,279 Federal Funds and Repos: .................................. 0 Investments: ............................................... 62,403 Total Loans:................................................ 63,757 Premises and Fixed Assets:............................. 767 Other Real Estate: ........................................... 320 Other Assets:................................................ 1,251 Total Assets:............................................. 131,777 Total Trust Assets:........................................ 2,826 Deposits: .................................................. 114,230 Federal Funds and Borrowings: .................... 3,870 Other Liabilities: ............................................... 568 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 118,668 Total Equity Capital and Reserves: ............. 13,109 Total Liabilities and Capital: ...................... 131,777 Number of Shares Outstanding:................ 100,000 Directors: Gary deYampert; J. Drew Tennyson; James M. Tennyson; John D. Trimble, V; Bob Willett; James B. Yeager Branches in Town: None Other Branches: El Dorado, Norphlet Eighty-Ninth Report 91 Riverside Bank Sparkman, AR VOICE: (870) 678-2251 FAX: (870) 678-2401 Population: 553 Commerce & Main Streets Charter Number: 457 P. O. Box 127 Date: September 19, 1916 71763-0127 County: Dallas Trust Powers: No Bank Holding Company Riverside Bancshares, Inc., Little Rock, AR Chm: David Matchet VP: Kathryn Daniell Pres: Clyde H. Henderson Cash and Due from: ......................................1,049 Federal Funds and Repos: ............................3,580 Investments:..................................................4,133 Total Loans: ................................................33,840 Premises and Fixed Assets: .............................432 Other Real Estate:............................................... 0 Other Assets: ...................................................603 Total Assets: ...............................................43,637 Total Trust Assets: .............................................. 0 Deposits: .....................................................35,420 Federal Funds and Borrowings:.....................5,000 Other Liabilities:................................................. 61 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................40,481 Total Equity Capital and Reserves:................3,156 Total Liabilities and Capital:.........................43,637 Number of Shares Outstanding: ....................3,000 Directors: Stephen C. Davis; G. W. DeLaughter; Charles T. Gaston; Clyde H. Henderson; David Matchet; L. Walter Quinn Branches in Town: None Other Branches: None Bodcaw Bank Stamps, AR VOICE: (870) 533-4486 FAX: (870) 533-4456 Population: 2,478 307 Thomas Street Charter Number: 106 P. O. Box 8 Date: December 8, 1902 71860-0008 County: Lafayette Trust Powers: No Bank Holding Company Bodcaw Bancshares, Inc., Stamps, AR Chm/Pres: J. Paul Nipper Cash: Brenda Scroggins Cash and Due from: ......................................3,376 Federal Funds and Repos: ............................7,070 Investments:................................................44,210 Total Loans: ................................................19,203 Premises and Fixed Assets: .............................185 Other Real Estate:............................................... 0 Other Assets: ...................................................537 Total Assets: ...............................................74,581 Total Trust Assets: .............................................. 0 Deposits: .....................................................62,213 Federal Funds and Borrowings:........................... 0 Other Liabilities:............................................... 923 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................63,136 Total Equity Capital and Reserves:..............11,445 Total Liabilities and Capital:.........................74,581 Number of Shares Outstanding: ..................10,000 Directors: Charles L. Cabe, Jr.; Billie Nipper; J. Paul Nipper; Cynthia Sandefur; Danny K. Smith; J. Woodrow Smith Branches in Town: None Other Branches: None 92 Arkansas State Bank Department Bank of Star City Star City, AR VOICE: (870) 628-4286 FAX: (870) 628-5274 Population: 2,138 116 North Lincoln P. O. Drawer 69 71667-0069 Trust Powers: No Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Bennie F. Ryburn, Jr. SVP: Bill Mitchell Pres: R. Mark Owen VP: Mary Womack Cash and Due from:...................................... 5,263 Federal Funds and Repos: .................................. 0 Investments: ............................................... 20,095 Total Loans:................................................ 56,755 Premises and Fixed Assets:.......................... 3,571 Other Real Estate: ........................................... 215 Other Assets:................................................ 1,379 Total Assets:............................................... 87,278 Total Trust Assets:............................................... 0 Charter Number: 567 Date: April 27, 1925 County: Lincoln Deposits: .................................................... 67,090 Federal Funds and Borrowings: .................. 10,561 Other Liabilities: ............................................... 157 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 77,808 Total Equity Capital and Reserves: ............... 9,470 Total Liabilities and Capital: ........................ 87,278 Number of Shares Outstanding:.................. 15,000 Directors: Keith D. Griffin; Tommy L. Lively; Lucille Ollar; R. Mark Owen; Bennie F. Ryburn, Jr.; Marion Ryburn Branches in Town: None Other Branches: Gould, Pine Bluff, White Hall The Stephens Security Bank Stephens, AR VOICE: (870) 786-5416 FAX: (870) 786-5419 Population: 1,137 105 Ruby Street Charter Number: 692 P. O. Box 7 Date: February 8, 1946 71764-0007 County: Ouachita Trust Powers: No Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm: Richard T. Smith VP/Cash: Cheryl Brown Pres: Carol Reaves Cash and Due from:...................................... 1,934 Federal Funds and Repos: ........................... 2,325 Investments: ................................................. 4,068 Total Loans:................................................ 19,787 Premises and Fixed Assets:.......................... 1,376 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,088 Total Assets:............................................... 30,578 Total Trust Assets:............................................... 0 Deposits: .................................................... 27,612 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 189 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 27,801 Total Equity Capital and Reserves: ............... 2,777 Total Liabilities and Capital: ........................ 30,578 Number of Shares Outstanding:.................. 11,000 Directors: Duncan Grayson; Carol Reaves; Guy R. "Buck" Smith; Richard T. Smith; Colon Watson; Jay C. Wilson Branches in Town: None Other Branches: None Eighty-Ninth Report 93 The Farmers and Merchants Bank Stuttgart, AR VOICE: (870) 673-6911 FAX: (870) 672-4282 Population: 10,420 Seventh & Main Streets Charter Number: 687 P. O. Box 1010 Date: December 29, 1944 72160-1010 County: Arkansas Home Page: http://www.fmbarkansas.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company The Farmers and Merchants Bankshares, Inc., Stuttgart, AR Chm: Roy O. McCollum, III Cash: Caroll Fowler CEO/Pres: Don Pattillo TO: Richard McMinn Cash and Due from: ....................................14,030 Federal Funds and Repos: .................................. 0 Investments:................................................54,045 Total Loans: ..............................................155,707 Premises and Fixed Assets: ..........................2,819 Other Real Estate:..............................................87 Other Assets: ..............................................10,445 Total Assets: .............................................237,133 Total Trust Assets: ......................................40,221 Deposits: ...................................................177,003 Federal Funds and Borrowings:...................26,274 Other Liabilities:.............................................1,378 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................204,655 Total Equity Capital and Reserves:..............32,478 Total Liabilities and Capital:.......................237,133 Number of Shares Outstanding: ................100,000 Directors: Jerry Carter; Gary Hudson; Roy O. McCollum, III; Don Pattillo; Mickey Pierce; Robert H. Pond; Robert Seidenstricker; Patricia M. Townsend; Ray Vester Branches in Town: Four Other Branches: Des Arc, DeValls Bluff, DeWitt, Hazen Bank of Trumann Trumann, AR VOICE: (870) 483-6333 FAX: (870) 483-7512 Population: 6,304 326 Highway 463 Charter Number: 354 P. O. Box 48 Date: October 2, 1911 72472-0048 County: Poinsett Trust Powers: No Bank Holding Company First Delta Bankshares, Inc., Blytheville, AR CEO/Pres: John R. Gillette Cash: Cheryl McMasters VP: Carroll D. Anderson AVP: Shirley Benson Cash and Due from: ......................................2,031 Federal Funds and Repos: ............................2,725 Investments:................................................39,848 Total Loans: ................................................35,831 Premises and Fixed Assets: ..........................1,098 Other Real Estate:.........................................1,760 Other Assets: ................................................5,188 Total Assets: ...............................................88,481 Total Trust Assets: .............................................. 0 Deposits: .....................................................70,092 Federal Funds and Borrowings:.....................3,269 Other Liabilities:............................................... 819 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................74,180 Total Equity Capital and Reserves:..............14,301 Total Liabilities and Capital:.........................88,481 Number of Shares Outstanding: ..................60,000 Directors: John R. Gillette; Gary Griffin; Matthew H. Moon; Clyde Robertson, Jr.; E. G. Sims; Jerry T. Sims Branches in Town: None Other Branches: None Arkansas State Bank Department 94 Citizens Bank & Trust Company Van Buren, AR VOICE: (479) 474-1201 FAX: (479) 410-1340 Population: 14,979 3110 Alma Hwy. Charter Number: 328 P. O. Box 469 Date: December 20, 1910 72956-0469 County: Crawford Home Page: http://www.cbankandtrust.co, Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Vista Bancorporation, Van Buren, AR Chm/CEO: James G. Williamson, Jr. VP/Cash: Joe Dan Stewart Pres: William W. Thomas VP/TO: A. C. Moncrief Cash and Due from:.................................... 12,302 Federal Funds and Repos: .................................. 0 Investments: ............................................... 58,157 Total Loans:.............................................. 156,544 Premises and Fixed Assets:.......................... 5,098 Other Real Estate: ........................................... 813 Other Assets:................................................ 6,361 Total Assets:............................................. 239,275 Total Trust Assets:........................................ 6,400 Deposits: .................................................. 209,975 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 2,456 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 212,431 Total Equity Capital and Reserves: ............. 26,844 Total Liabilities and Capital: ...................... 239,275 Number of Shares Outstanding:.................. 16,000 Directors: Jimmy G. Bell; Warren D. Blaylock; Mont S. Echols, Jr.; Jimmy D. Gooch; Morril H. Harriman; Paul D. Shirley; Samuel M. Sicard; William W. Thomas; James G. Williamson, Jr. Branches in Town: Three Other Branches: Alma, Mountainburg First Community Bank of Crawford County Van Buren, AR VOICE: (479) 471-5400 2925 Alma Highway, Suite A Charter Number: 784 FAX: (479) 471-5404 Date: July 7, 2000 Population: 14,979 72950 County: Crawford Home Page: http://www.firstcommunity-bank.com Trust Powers: No Bank Holding Company None Chm: Tim E. Wise Cash: Cheryl A. Mathews CEO/Pres: Gary R. Miller Cash and Due from:...................................... 5,890 Federal Funds and Repos: ........................... 1,110 Investments: ................................................. 4,109 Total Loans:................................................ 44,602 Premises and Fixed Assets:.......................... 1,091 Other Real Estate: ........................................... 496 Other Assets:................................................ 1,050 Total Assets:............................................... 58,348 Total Trust Assets:............................................... 0 Deposits: .................................................... 46,179 Federal Funds and Borrowings: .................... 6,807 Other Liabilities: ............................................... 206 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 53,192 Total Equity Capital and Reserves: ............... 5,156 Total Liabilities and Capital: ........................ 58,348 Number of Shares Outstanding:............. 3,293,000 Directors: Dr. James Crawford; James David Garner; John Hall; Tim Hodges; Richard Hodo; Mark Manes; Gary R. Miller; Tim E. Wise Branches in Town: One Other Branches: None Eighty-Ninth Report 95 Bank of Waldron Waldron, AR VOICE: (479) 637-2161 FAX: (479) 637-4874 Population: 3,024 110 West 4th Street Charter Number: 72 P. O. Box 2260 Date: April 3, 1901 72958-2260 County: Scott Trust Powers: Yes Bank Holding Company First National Security Company, DeQueen, AR Chm: John H. Hendrix VChm: Larry Mashburn CEO/Pres: Greg L. Bourns VP/TO: Debra Fuller Cash and Due from: ......................................1,381 Federal Funds and Repos: ...............................530 Investments:................................................42,388 Total Loans: ................................................37,805 Premises and Fixed Assets: .............................682 Other Real Estate:............................................140 Other Assets: ................................................1,097 Total Assets: ...............................................84,023 Total Trust Assets: ...........................................143 Deposits: .....................................................70,632 Federal Funds and Borrowings:........................... 0 Other Liabilities:............................................... 229 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................70,861 Total Equity Capital and Reserves:..............13,162 Total Liabilities and Capital:.........................84,023 Number of Shares Outstanding: ..................24,000 Directors: Kelly Ashford; Billy J. Black; Greg L. Bourns; Jim Currier; John H. Hendrix; Larry Mashburn; Terry Plummer Branches in Town: One Other Branches: None First State Bank of Warren Warren, AR VOICE: (870) 226-2601 FAX: (870) 226-2253 Population: 6,455 Main Street Charter Number: 739 P. O. Box 29 Date: December 12, 1978 71671-0029 County: Bradley Trust Powers: Yes Bank Holding Company Bradley Bancshares, Inc., Warren, AR Chm: Virginia M. Ryburn VChm: Bennie F. Ryburn, Jr. CEO/Pres: Freddie M. Mobley TO: Elaine Hopson Cash and Due from: ......................................8,841 Federal Funds and Repos: .................................. 0 Investments:................................................26,691 Total Loans: ................................................57,402 Premises and Fixed Assets: ..........................1,974 Other Real Estate:............................................836 Other Assets: ................................................1,460 Total Assets: ...............................................97,204 Total Trust Assets: ........................................2,858 Deposits: .....................................................85,344 Federal Funds and Borrowings:....................... 415 Other Liabilities:............................................... 496 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................86,255 Total Equity Capital and Reserves:..............10,949 Total Liabilities and Capital:.........................97,204 Number of Shares Outstanding: ..................59,000 Directors: Robert Garner; Roger George; Robert Green, Jr.; Freddie M. Mobley; Hugh A. Quimby; Bennie Ryburn, III; Bennie F. Ryburn, Jr.; Virginia M. Ryburn; Dr. Joe H. Wharton Branches in Town: One Other Branches: Hampton, Hermitage 96 Arkansas State Bank Department Warren Bank and Trust Company Warren, AR VOICE: (870) 226-2621 FAX: (870) 226-6261 Population: 6,455 201 South Main Charter Number: 80 P. O. Box 350 Date: December 28, 1901 71671-0350 County: Bradley Trust Powers: Yes Member of Federal Reserve System Bank Holding Company None Chm: John B. Frazer SVP: Tim Spraggins Pres/TO: Carlton E. Davis SVP/Cash: James E. Smith Cash and Due from:...................................... 3,697 Federal Funds and Repos: ........................... 4,854 Investments: ............................................... 51,248 Total Loans:................................................ 61,465 Premises and Fixed Assets:............................. 812 Other Real Estate: ........................................... 560 Other Assets:................................................ 1,283 Total Assets:............................................. 123,919 Total Trust Assets:...................................... 39,044 Deposits: .................................................... 99,955 Federal Funds and Borrowings: .................... 5,463 Other Liabilities: ............................................... 375 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 105,793 Total Equity Capital and Reserves: ............. 18,126 Total Liabilities and Capital: ...................... 123,919 Number of Shares Outstanding:.................. 48,000 Directors: Bruce Anderson; Dr. Donnie R. Bryant; Gerald Burton; Carlton E. Davis; Joyce Dees; Lawrence H. Derby, Jr.; John B. Frazer; W. Sykes Harris; Charles A. Milton; Dr. Kerry F. Pennington Branches in Town: Two Other Branches: Hermitage Cross County Bank Wynne, AR VOICE: (870) 238-8171 1 Cross County Plaza Charter Number: 25 FAX: (870) 238-4052 P. O. Box 9 Date: June 5, 1891 Population: 8,187 72396-0009 County: Cross Home Page: http://www.crosscountybank.com Trust Powers: Yes Bank Holding Company Cross County Bancshares, Inc., Wynne, AR Chm: Dr. Willard G. Burks EVP: David Dowd CEO/Pres: Mac McClanahan TO: Vincent E. Guest Cash and Due from:...................................... 3,751 Federal Funds and Repos: .................................. 0 Investments: ............................................... 40,453 Total Loans:.............................................. 111,482 Premises and Fixed Assets:.......................... 2,661 Other Real Estate: ........................................... 144 Other Assets:................................................ 3,056 Total Assets:............................................. 161,547 Total Trust Assets:........................................ 5,922 Deposits: .................................................. 128,590 Federal Funds and Borrowings: .................. 15,042 Other Liabilities: ............................................... 428 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 144,060 Total Equity Capital and Reserves: ............. 17,487 Total Liabilities and Capital: ...................... 161,547 Number of Shares Outstanding:.................... 4,000 Directors: Dr. Willard G. Burks; Guy E. Fisher; Albert A. Hess; Pete L. Imboden, III; R. Vance Lawson; Thomas W. Morgan, Jr.; Roger E. Pohlner; Donald L. Reddmann; R. Joe Rennicke; James A. Richardson Branches in Town: One Other Branches: Cherry Valley, Hickory Ridge, Weiner Eighty-Ninth Report 97 The Bank of Yellville Yellville, AR VOICE: (870) 449-4231 105 North Panther Avenue Charter Number: 691 FAX: (870) 449-4866 P. O. Box 325 Date: December 13, 1945 Population: 1,181 72687-0325 County: Marion Home Page: http://www.bankofyellville.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Mountain Bancshares, Inc., Yellville, AR Chm/CEO: Judy R. Loving EVP/Cash: Chloe Richardson Pres: Jerry D. Cunningham TO: Truman Jefferson Cash and Due from: ......................................6,858 Federal Funds and Repos: ..........................39,620 Investments:................................................18,244 Total Loans: ..............................................147,413 Premises and Fixed Assets: ..........................7,903 Other Real Estate:............................................415 Other Assets: ..............................................16,431 Total Assets: .............................................236,884 Total Trust Assets: ........................................8,933 Deposits: ...................................................194,033 Federal Funds and Borrowings:...................11,995 Other Liabilities:............................................... 484 Subordinated Debt: ............................................. 0 Total Liabilities: .........................................206,512 Total Equity Capital and Reserves:..............30,372 Total Liabilities and Capital:.......................236,884 Number of Shares Outstanding: ..................20,781 Directors: Frank H. Bailey; Roger Bates; Fred A. Berry; Jerry D. Cunningham; Tom C. Dame; Dan R. Duren; H. C. Hall; Leonard B. Larry; Judy R. Loving; Chloe Richardson; Susan B. Wendel Branches in Town: None Other Branches: Bull Shoals, Flippin, Lead Hill, Mountain Home REPORT OF THE STATE CHARTERED NON-PROFIT ORGANIZATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2003 100 Arkansas State Bank Department Arkansas Capital Corporation Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Population: 175,795 200 South Commerce, Suite 400 72201-1728 Charter Number: 1006 Date: August 6, 1958 County: Pulaski Home Page: http://www.arcapital.com Trust Powers: No Bank Holding Company None Chm: George E. Campbell SVP: Jerry Adams EVP/COO/Treas/Sec: C. Sam Walls SVP: Jay W. Wisener Cash and Due from:...................................... 1,402 Federal Funds and Repos: .................................. 0 Investments: ................................................. 3,527 Total Loans:................................................ 39,785 Premises and Fixed Assets:.......................... 2,375 Other Real Estate: ........................................... 936 Other Assets:................................................ 1,030 Total Assets:............................................... 49,055 Total Trust Assets:............................................... 0 Deposits: ............................................................. 0 Federal Funds and Borrowings: .................. 42,639 Other Liabilities: ............................................... 892 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 43,531 Total Equity Capital and Reserves: ............... 5,524 Total Liabilities and Capital: ........................ 49,055 Number of Shares Outstanding:.................... 1,085 Directors: John W. Ahlen; Carl E. Baggett; George E. Campbell; Rush B. Deacon; Mac Dodson; Gary E. Garton; James R. Jordan; Virgil L. Miller, Jr.; Bert M. Mullens; Don Pattillo; Jim Pickens; H. Glenn Rambin; D. Patton Rudder; David H. Shindler; William T. Staed; Sherry H. Stringer Branches in Town: None Other Branches: Fayetteville, Fordyce, Jonesboro REPORT OF TRUST COMPANIES (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2003 Arkansas State Bank Department 102 Community First Trust Company Hot Springs, AR VOICE: (501) 520-3660 FAX: (501) 520-3667 Population: 32,462 135 Section Line Road, C-1 71913 CEO/Pres: William L. Kerst, Jr. Charter Number: 35001 Date: June 17, 1998 County: Garland SVP: Robert D. Bischof Directors: Robert D. Bischof; Gerald A. Burgener; Dr. James A. Gill; William L. Kerst, Jr.; Scott Simmons Branches in Town: None Other Branches: Hot Springs Village, Russellville FirsTrust Financial Services, Inc. North Little Rock, AR VOICE: (501) 812-1420 FAX: (501) 812-1459 Population: 61,741 2716 Lakewood Village Place P. O. Box 16270 72231 CEO/Pres: Richard P. Clark, II SVP/TO: Voncile Berry Charter Number: 35000 Date: May 22, 2001 County: Pulaski VP: Dot Weaver Directors: John W. Allison; Robert F. Birch, Jr.; William C. Brazil; Richard P. Clark, II; Stuart W. Hankins, C. Randall Sims Branches in Town: None Other Branches: Conway, El Dorado P.L.D. Trust Company (Private) Rogers, AR VOICE: (501) 372-5659 FAX: (501) 374-8657 Population: 33,000 2894 West Walnut P. O. Box 86 72757 Pres: L. Pauline Whitaker Charter Number: 35002 Date: October 15, 1998 County: Benton Atty: Mark W. Nichols Directors: Donald Whitaker; L. Pauline Whitaker Branches in Town: None Other Branches: None REPORT OF THE REGIONAL/COUNTY INDUSTRIAL DEVELOPMENT CORPORATIONS (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2003 Arkansas State Bank Department 104 Northwest Arkansas Regional Industrial Development Corporation Fort Smith, AR VOICE: (479) 782-5959 FAX: (479) 782-9669 CEO: Steven Riggs EVP: Luther Reed Greenpointe Center, Suite 31 P. O. Box 3325 2913-3325 Charter Number: 30006 Date: April 17, 1997 CFO: T. David Potts Pulaski County Industrial Development Corporation Jacksonville, AR VOICE: (501) 985-9944 FAX: (501) 985-6590 Chm: Jim Johnson Pres: Ronald Davis 227 West Main Street, Suite 3 72076 Charter Number: 30004 Date: December 1, 1994 Treas: Bob Johnston Sec: Jack Engelkes Arkansas Regional Industrial Development Company I, LLC Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Chm/CEO: C. Sam Walls 200 South Commerce Street Suite 400 72201-1925 Charter Number: 30008 Date: July 18, 2002 VP/Sec: Larry Carter Arkansas Regional Industrial Development Company II, LLC Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Chm/CEO: C. Sam Walls 200 South Commerce Street Suite 400 72201 Charter Number: 30009 Date: October 30, 2002 Eighty-Ninth Report 105 Arkansas Valley Regional Industrial Development Company Little Rock, AR VOICE: (501) 376-1145 FAX: (501) 376-1147 CEO: Robert L. Jones Donaghey Building, Suite 5 103 East 7th Street 72201 Charter Number: 30010 Date: November 4, 2002 CFO: Carl W. Bird Central Arkansas Regional Industrial Development Company, LLC Little Rock, AR VOICE: (501) 224-6511 FAX: (501) 954-9419 1525 Merrill Drive, Suite 3000 P. O. Box 21077 72221 Charter Number: 30007 Date: February 19, 1998 Pres: Robert B. Francis Perry County Industrial Development Corporation Perryville, AR VOICE: (501) 889-5771 FAX: (501) 889-2880 Pres: John C. Branscum VP: James R. Price, D.D.S. P. O. Box 869 72126-0869 Charter Number: 30003 Date: August 18, 1994 Treas: L. V. Hawkins Sec: Doug Brandon North Delta Regional Industrial Development Corporation VOICE: (870) 483-2092 FAX: (870) 483-1920 Chm/Pres: Kelley Webb Trumann, AR 200 West Main, Suite 38 P. O. Box 413 72472 Charter Number: 30005 Date: March 20, 1996 VP/Sec: Glyndon Clemons LIST OF COMMERCIAL BANKS BY COUNTY AND MAP OF ARKANSAS COUNTIES JUNE 30, 2003 Arkansas State Bank Department 108 COUNTY BANK CITY Arkansas DeWitt Bank And Trust Company The First National Bank of DeWitt Planters & Merchants Bank The Farmers and Merchants Bank First National Bank of Stuttgart Ashley First National Bank of Crossett First State Bank Farmers Bank Delta Trust & Bank Home Bank of Arkansas Portland Bank Baxter First National Bank and Trust Company First Security Bank of Mountain Home TrustBanc Benton Arkansas National Bank Decatur State Bank Bank of Gravett Bank of Rogers Simmons First Bank of Northwest Arkansas Arkansas State Bank Boone Community First Bank 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 Berryville Eureka Springs Green Forest Chicot The Eudora Bank The Bank of Lake Village Simmons First Bank of South Arkansas Eudora Lake Village Lake Village Clark Elk Horn Bank and Trust Company Summit Bank Arkadelphia Arkadelphia Clay Piggott State Bank Cleburne The Cleburne County Bank Greers Ferry Lake State Bank Heber Springs State Bank Cleveland Pine State Bank The Bank of Rison DeWitt DeWitt Gillett Stuttgart Stuttgart Crossett Crossett Hamburg Parkdale Portland Portland Mountain Home Mountain Home Mountain Home Bentonville Decatur Gravette Rogers Rogers Siloam Springs Harrison Warren Warren Hampton Piggott Heber Springs Heber Springs Heber Springs Kingsland Rison Eighty-Ninth Report 109 COUNTY BANK CITY Columbia Farmers Bank and Trust Company The Peoples Bank Magnolia Magnolia Conway Petit Jean State Bank Morrilton Craighead American State Bank Heritage Bank Liberty Bank of Arkansas MidSouth Bank Simmons First Bank of Jonesboro Jonesboro Jonesboro Jonesboro Jonesboro Jonesboro Crawford Allied Bank Citizens Bank & Trust Company First Community Bank of Crawford County Mulberry Van Buren Van Buren Crittenden First Community Bank of Eastern Arkansas Fidelity National Bank Cross First State Bank Cross County Bank The First National Bank of Wynne Dallas Fordyce Bank & Trust Company Riverside Bank Fordyce Sparkman Desha Merchants & Farmers Bank The First National Bank of McGehee McGehee Bank Dumas McGehee McGehee Drew Commercial Bank & Trust Company Union Bank And Trust Company Monticello Monticello Faulkner First Security Bank of Conway First State Bank First Service Bank Conway Conway Greenbrier Fulton Bank of Salem Garland Alliance Bank of Hot Springs First National Bank Grant Peoples Bank Greene Bank of Paragould First National Bank Peoples Bank Southern Bank of Commerce Marion West Memphis Parkin Wynne Wynne Salem Hot Springs Hot Springs Sheridan Paragould Paragould Paragould Paragould Arkansas State Bank Department 110 COUNTY BANK CITY Hempstead Bank of Blevins The First National Bank of Hope Hot Spring The Malvern National Bank Southern State Bank Howard First National Bank of Howard County Citizens National Bank of Nashville Dierks Nashville Independence The Citizens Bank First Community Bank Batesville Batesville Izard The First National Bank of Izard County Jackson Merchants & Planters Bank Jefferson First National Bank of Altheimer Pine Bluff National Bank Simmons First National Bank Altheimer Pine Bluff Pine Bluff Johnson Farmers Bank and Trust Company Clarksville Lafayette Community State Bank The First National Bank of Lewisville Bodcaw Bank Bradley Lewisville Stamps Lawrence The First National Bank of Lawrence County Lee First National Bank at Marianna Lincoln Bank of Star City Star City Little River The First National Bank Ashdown Logan First Western Bank The First National Bank at Paris Logan County Bank Lonoke Community Bank Bank of England First State Bank Madison First State Bank Madison Bank and Trust Marion The Bank of Yellville Mississippi Farmers Bank And Trust Company The First National Bank in Blytheville Blevins Hope Malvern Malvern Calico Rock Newport Walnut Ridge Marianna Booneville Paris Scranton Cabot England Lonoke Huntsville Kingston Yellville Blytheville Blytheville Eighty-Ninth Report 111 COUNTY BANK CITY Monroe Bank of Brinkley The Merchants and Planters Bank Brinkley Clarendon Montgomery First National Bank Mount Ida Nevada Bank of Prescott Ouachita Bank of Bearden First Bank of South Arkansas The Stephens Security Bank Bearden Camden Stephens Perry Chart Bank Perryville Phillips First National Bank of Phillips County Helena National Bank Pike Bank of Delight Arkansas Diamond Bank Diamond State Bank Delight Glenwood Murfreesboro Poinsett The Bank of Harrisburg Little River Bank First Delta Bank Marked Tree Bank Bank of Trumann Harrisburg Lepanto Marked Tree Marked Tree Trumann Polk First National Bank in Mena The Union Bank of Mena Pope First Arkansas Valley Bank First State Bank Simmons First Bank of Russellville Pulaski First Arkansas Bank & Trust Arkansas Bankers' Bank Bank of Little Rock Bank of the Ozarks The Capital Bank Eagle Bank & Trust Company Metropolitan National Bank One Bank and Trust, National Association Pulaski Bank And Trust Company National Bank of Arkansas in North Little Rock Twin City Bank Randolph Bank of Pocahontas Saline The Union Bank of Benton Prescott Helena Helena Mena Mena Russellville Russellville Russellville Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock North Little Rock North Little Rock Pocahontas Benton Arkansas State Bank Department 112 COUNTY BANK CITY Scott Bank of Waldron Sebastian The First National Bank of Fort Smith Farmers Bank Sevier The First National Bank of DeQueen First State Bank of DeQueen Horatio State Bank DeQueen DeQueen Horatio Sharp First National Bank of Sharp County Bank of Cave City Ash Flat Cave City St. Francis First National Bank of Eastern Arkansas Forrest City Bank, National Association Stone Bank of Mountain View Union First Financial Bank Simmons First Bank of El Dorado, N. A. Timberland Bank Smackover State Bank El Dorado El Dorado El Dorado Smackover Washington Arvest Bank Bank of Arkansas, N.A. The Bank of Fayetteville, N.A. Community Bank of North Arkansas The First National Bank of Springdale Fayetteville Fayetteville Fayetteville Fayetteville Springdale White Citizens State Bank First Security Bank Simmons First Bank of Searcy Woodruff The Bank of Augusta Bank of McCrory Yell Chambers Bank Bank of Dardanelle Waldron Fort Smith Greenwood Forrest City Forrest City Mountain View Bald Knob Searcy Searcy Augusta McCrory Danville Dardanelle Eighty-Ninth Report MAP OF ARKANSAS COUNTIES 113 ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2003 Arkansas State Bank Department 116 Southern Development Bancorporation, Inc. Arkadelphia, AR RSSD Number: 1248939 VOICE: (870) 246-3945 FAX: (870) 246-2182 605 Main, Suite 202 71923-6037 Chm/CEO: W. H. Brandon, Jr. Pres/COO: Phillip N. Baldwin SVP/CFO: Sandra Linn Subsidiaries: Elk Horn Bank and Trust Company First National Bank of Phillips County Phillips Insurance Services, Inc. First Investment Advisory Services, Inc. Opportunity Lands Corporation Southern Data Center, Inc. Southern Development Capital Trust Southern Development Statutory Trust I Southern Development Statutory Trust II Delta Southern Bank Arkadelphia, AR Helena, AR Elaine, AR Helena, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Ruleville, MS Summit Bancorp, Inc. Arkadelphia, AR RSSD Number: 2618388 VOICE: (870) 246-8070 FAX: (870) 246-7122 Chm: Ross M. Whipple Pres: Marcus J. McCain Subsidiaries: Summit Bank ABI Insurance of Arkadelphia, LLC South Arkansas Community Development 409 Main Street P. O. Box 965 71923 EVP/CFO: Christopher M. Wewers Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Eighty-Ninth Report 117 Citizens State Bankshares of Bald Knob, Inc. Bald Knob, AR RSSD Number: 1096822 VOICE: (501) 724-3241 FAX: (501) 724-5985 Chm: Juanita Litzelfelner CEO/Pres: Larry Kircher 306 South Elm Street P. O. Box 200 72010-0200 EVP/Sec: Molly Kircher Subsidiaries: Citizens State Bank Citizens State Investments, Inc. Bald Knob, AR Bald Knob, AR Citizens Bancshares of Batesville, Inc. Batesville, AR RSSD Number: 1131077 VOICE: (870) 793-4441 FAX: (870) 698-6299 CEO/Pres: Woody Castleberry Third and College Streets P. O. Box 2156 72503-2156 Sec: David Hidy Subsidiaries: The Citizens Bank Citizens Investments, Inc. Batesville, AR Batesville, AR First Community Bancshares, Inc. Batesville, AR RSSD Number: 2641694 VOICE: (870) 612-3400 FAX: (870) 612-3412 Chm/CEO/Pres: Dale E. Cole EVP: Boris A. Dover Subsidiaries: First Community Bank Community Insurance, Inc. First Community Real Estate, Inc. 710 St. Louis Street P. O. Box 4327 72501-4327 Sec: Frank Tripp Batesville, AR Batesville, AR Batesville, AR Arkansas State Bank Department 118 Bearden Bancshares, Inc. Bearden, AR RSSD Number: 2993722 VOICE: (870) 687-2233 FAX: (870) 687-2474 Second and Cedar Streets P. O. Box 135 71720-0135 Chm/Pres: Rick Green Sec: Ken Riley Subsidiaries: Bank of Bearden Bearden, AR Union Bancshares of Benton, Inc. Benton, AR RSSD Number: 1133530 VOICE: (501) 315-0411 FAX: (501) 303-5433 207 West Conway Street P. O. Box 687 72018-0687 Chm/CEO/Pres: Greg B. Brown Subsidiaries: The Union Bank of Benton Benton Savings & Loan Service Corporation UFS, Inc. Benton, AR Benton, AR Benton, AR Arvest Bank Group, Inc. Bentonville, AR RSSD Number: 1095674 VOICE: (479) 464-1500 FAX: (479) 464-1540 Chm/CEO/Pres: Jim C. Walton Subsidiaries: Arvest Holdings, Inc. Mountain Bancshares, Inc. The Bank of Yellville Arvest Bank ATC Services, Inc. Central Mortgage Company Arvest Bank Operations, Inc. Arvest Mortgage Company Arvest Insurance, Inc. Arvest Investments, Inc. First Place on the Creeks, L.L.C. WACO Title Company Security Bankcard Center, Inc. Arvest Trust Company N. A. 125 West Central 218 P.O. Box 1860 72712 VP/Treas/Sec: Richard D. Chapman Bentonville, AR Bentonville, AR Yellville, AR Fayetteville, AR Bartlesville, OK Little Rock, AR Lowell, AR Lowell, AR Rogers, AR Rogers, AR Rogers, AR Springdale, AR Norman, OK Rogers, AR Eighty-Ninth Report 119 Arvest Holdings, Inc. Bentonville, AR RSSD Number: 1845673 VOICE: (479) 464-1500 FAX: (479) 464-1540 125 West Central, Suite 218 P. O. Box 1860 72712 Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: Mountain Bancshares, Inc. The Bank of Yellville Arvest Bank ATC Services, Inc. Central Mortgage Company Arvest Bank Operations, Inc. Arvest Mortgage Company Security Bankcard Center, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. First Place on the Creeks, L.L.C. WACO Title Company Bentonville, AR Yellville, AR Fayetteville, AR Bartlesville, OK Little Rock, AR Lowell, AR Lowell, AR Norman, OK Rogers, AR Rogers, AR Rogers, AR Springdale, AR Mountain Bancshares, Inc. Bentonville, AR Bank Holding Company Arvest Holdings, Inc., Bentonville, AR RSSD Number: 1098367 VOICE: (479) 464-1500 FAX: (479) 464-1540 125 West Central, Suite 218 P.O. Box 1860 72712 Pres: Jim C. Walton VP/Sec: Richard D. Chapman Subsidiaries: The Bank of Yellville Yellville Arkansas State Bank Department 120 Farmers Bancorp, Inc. Blytheville, AR RSSD Number: 1247615 VOICE: (870) 763-8101 FAX: (870) 763-3500 400 West Main Street P. O. Box 688 72316-0688 Pres: Alvin Huffmann, III VP: Paula O. Blackwell Treas/Sec: Steve Bell Subsidiaries: Farmers Bank And Trust Company Blytheville, AR First Delta Bankshares, Inc. Blytheville, AR RSSD Number: 1097388 VOICE: (870) 763-4443 FAX: (870) 762-5312 120 South Second Street P. O. Box 809 72316-0809 Chm/CEO: Jerry T. Sims VChm: E. G. Sims Pres: Gary Griffin Subsidiaries: The First National Bank in Blytheville Bank of Trumann Blytheville, AR Trumann, AR First Western Bancshares ESOT Booneville, AR RSSD Number: 2628994 VOICE: (479) 675-0369 FAX: (479) 675-0751 Chm: Jeral L. Hampton Pres: John T. Hampton Subsidiaries: First Western Bancshares, Inc. First Western Bank First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. 80 West Main P. O. Box 87 72927-0087 Sec: Debbie Danekas Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Eighty-Ninth Report 121 First Western Bancshares, Inc. Booneville, AR RSSD Number: 1100091 VOICE: (475) 675-0369 FAX: (475) 675-0751 80 West Main P. O. Box 87 72927-0087 Bank Holding Company First Western Bancshares ESOT, Booneville, AR Chm/CEO: Jeral L. Hampton Pres: John T. Hampton VP: Diane Buffington Sec: Debbie Danekas Subsidiaries: First Western Bank First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. Booneville, AR Booneville, AR Booneville, AR Booneville, AR Community State Bancshares, Inc. Bradley, AR RSSD Number: 3058758 VOICE: (870) 894-3322 FAX: (870) 894-3324 208 West Fourth Street P. O. Box 120 71826-0120 CEO: Gary R. Lankford Sec: Jerry G. Hartline Subsidiaries: Community State Bank Bradley, AR Brinkley Bancshares, Inc. Brinkley, AR RSSD Number: 1097146 VOICE: (870) 734-3133 FAX: (870) 734-3001 Chm/CEO: Albert H. Rusher Subsidiaries: Bank of Brinkley Fred Rusher Agency, Inc. 130 South New Orleans P. O. Box 727 72021-0727 Pres: Gus Rusher Brinkley, AR Brinkley, AR Arkansas State Bank Department 122 Community Financial Group, Inc. Cabot, AR RSSD Number: 1097799 VOICE: (501) 843-3575 FAX: (501) 843-0466 2171 West Main Street P. O. Box 1028 72023-1028 Chm: Gerald H. Shock CEO: Tracy M. French VChm: Stephen P. Tipton Pres: Tino Jones Subsidiaries: Community Bank Community Home Lenders of Arkansas, Inc. Community Insurance Agency, Inc. Community Title Services, Inc. Grand Prairie Title Co. Lonoke Abstract Community Financial Solutions, Inc. Community Financial Statutory Trust I Cabot, AR Cabot, AR Cabot, AR Cabot, AR Cabot, AR Lonoke, AR Cabot, AR Cabot, AR Harrell Bancshares, Inc. Camden, AR RSSD Number: 2352196 VOICE: (870) 837-8300 FAX: (870) 837-8310 1325 Hwy. 278 Bypass P. O. Box 10 71701 Chm/CEO: Searcy W. Harrell, Jr. Pres: Jonathan W. Harrell Sec: Phillip J. Foster Subsidiaries: First Bank of South Arkansas Calhoun County Bank Camden, AR Hampton, AR Sharp Bancshares, Inc. Cave City, AR RSSD Number: 1099663 VOICE: (479) 283-5301 FAX: (479) 283-6466 Chm: Eugene Street VChm: Samuel F. Beller Subsidiaries: Bank of Cave City Cave City Properties, Inc. 133 South Main P. O. Box 490 72521-0490 Pres: Margie Pettersen Treas/Sec: Dennis Esteb Cave City, AR Cave City, AR Eighty-Ninth Report 123 Clarendon Holding Co. Clarendon, AR RSSD Number: 1099252 VOICE: (870) 747-3319 FAX: (870) 747-3498 297 Madison P. O. Box 280 72029-0280 Chm: J. Baxter Sharp, III CEO: Rheta Griffith Pres: J. Kendall Henry Subsidiaries: The Merchants and Planters Bank Clarendon, AR Home BancShares, Inc. Conway, AR RSSD Number: 1491409 VOICE: (501) 328-4663 FAX: (501) 328-4637 719 Harkrider Street, 3rd Floor P. O. Box 966 72032 Chm: John W. Allison Treas: Randy E. Mayor Subsidiaries: TCBancorp, Inc. Twin City Bank Russellville Bancshares, Inc. First Arkansas Valley Bank First State Bank First Data Solutions First State Mortgage FirsTrust Financial Services, Inc. North Little Rock, AR North Little Rock, AR Jonesboro, AR Russellville, AR Conway, AR Conway, AR Conway, AR North Little Rock, AR Evergreen Bancshares, Inc. Crossett, AR RSSD Number: 1134797 VOICE: (870) 364-5131 FAX: (870) 364-6329 200 Pine Street P. O. Box 638 71635-0638 CEO/Pres: Richard E. Griffin Subsidiaries: First State Bank Crossett, AR Arkansas State Bank Department 124 Chambers Bancshares, Inc. Danville, AR RSSD Number: 1141487 VOICE: (479) 495-4680 FAX: (479) 495-4681 9th and Atlanta P. O. Box 1330 72833-1330 Chm/CEO/Pres: John Ed Chambers, III CFO: Mike Donnell Subsidiaries: Community Investment, Inc. Community Bank of North Arkansas Chambers Bank Blue Star Title of Arkansas, Inc. CB Financial Services, Inc. Blue Star Financial, Inc. River Valley Appraisal Fayetteville, AR Fayetteville, AR Danville, AR Danville, AR Danville, AR Plano, TX Danville, AR Bank of Dardanelle Bankshares, Inc. Dardanelle, AR RSSD Number: 1134546 VOICE: (479) 229-3311 FAX: (479) 229-4180 102 North Front Street P. O. Box 577 72834-0577 CEO/Pres: Ronald L. Taylor Subsidiaries: Bank of Dardanelle Dardanelle, AR Peterson Holding Company Decatur, AR RSSD Number: 1845619 VOICE: (479) 752-3281 FAX: (479) 752-8154 Chm: Lloyd E. Peterson Subsidiaries: Decatur State Bank Decatur Insurance Agency Grand Savings Bank Hwy. 59 North P. O. Box 38 72722-0038 CEO/Pres: Vernon L. Austin Decatur, AR Decatur, AR Grove, OK Eighty-Ninth Report 125 First National Security Company DeQueen, AR RSSD Number: 1426755 VOICE: (870) 642-2212 FAX: (870) 642-7959 Third and Gilson P. O. Box 980 71832-0980 Chm : John H. Hendrix CEO/Pres: Larry Mashburn Subsidiaries: First National Bancshares of Hempstead County, Inc. Bank of Blevins The First National Bank of Hope The First National Bank of Lewisville The First National Bank The First National Bank of DeQueen First National Bank of Howard County Citizens National Bank of Nashville Bank of Waldron Hope, AR Blevins, AR Hope, AR Lewisville, AR Ashdown, AR DeQueen, AR Dierks, AR Nashville, AR Waldron, AR First State Bancshares, Inc. DeQueen, AR RSSD Number: 2032724 VOICE: (870) 642-4423 FAX: (870) 642-2847 Chm: Dennis Smiley 402 West Collin Raye Drive P. O. Box 970 71832-0970 CEO/Pres: Gary L. Golden Subsidiaries: First State Bank of DeQueen DeQueen, AR First Service Bancshares, Inc. Dermott, AR RSSD Number: 1137266 VOICE: (870) 538-3221 FAX: (870) 538-3246 CEO/Pres: Thomas H. Grumbles Treas/Sec: Daniel C. Horton Subsidiaries: First Service Bank 114 East Peddicord P. O. Box 800 71638-0815 Sec: Kenneth Barnard Greenbrier, AR Arkansas State Bank Department 126 DBT Financial Corporation DeWitt, AR RSSD Number: 1139176 VOICE: (870) 946-3531 FAX: (870) 946-2815 Second and Jefferson Streets P. O. Drawer 71 72042-0071 Pres: Nancy F. Rasco Sec: Dean Bell Subsidiaries: DeWitt Bank And Trust Company DBT Realty Company, Inc. DeWitt Bank and Trust Insurance Company, Inc DeWitt, AR DeWitt, AR DeWitt, AR M & F Financial Corporation Dumas, AR RSSD Number: 1099506 VOICE: (870) 382-4311 FAX: (870) 382-5901 Chm: L. Ashton Adcock Pres: J. Michael Jones 130 West Waterman P. O. Box 187 71639-0187 Treas/Sec: Betty B. Trites Subsidiaries: Merchants & Farmers Bank Dumas, AR First Financial Banc Corporation El Dorado, AR RSSD Number: 2568102 VOICE: (870) 863-7000 FAX: (870) 881-5393 CEO/Pres: J. Stephen Cameron CFO: Melissa Jerry 214 North Washington Street P. O. Box 1754 71730-1754 COO: Jerry Bullard Sec: Debra Martin Subsidiaries: First Financial Bank First Title Services, Inc. First Union Corporation First Financial Banc Mortgage Corporation First Financial Banc Corporation Statutory Trust I First Financial Banc Corporation Statutory Trust II El Dorado, AR El Dorado, AR El Dorado, AR El Dorado, AR Hartford, CT Hartford, CT Eighty-Ninth Report 127 Timberland Bancshares, Inc. El Dorado, AR RSSD Number: 3025246 VOICE: (870) 862-5900 FAX: (870) 862-5432 2421 North West Avenue P. O. Box 7205 71731-7205 CEO/Pres: Tandy Menefee SVP: Carolyn Beavers SVP: Mark Turner Subsidiaries: Timberland Bank El Dorado, AR MHBC Investments Limited Partnership, I England, AR RSSD Number: 2795083 VOICE: (501) 842-2555 FAX: (501) 842-2422 123 South Main Street P. O. Box 70 72046 Chm/CEO/Pres: Gary Canada Subsidiaries: Bank of England Bank of England Insurance Co. The Capital Funding Source, Inc. Lonoke Banking Center Title Company England, AR England, AR England, AR Lonoke, AR Delta Bancshares of Louisiana, Inc. Eudora, AR RSSD Number: 2806662 VOICE: (870) 355-8311 FAX: (870) 355-8509 Chm: Charles F. Poole Subsidiaries: The Eudora Bank West Carroll Community Bank 111 North Main Street P. O. Box 250 71640-0250 Pres: Gene Keith Eudora, AR Oak Grove, LA Arkansas State Bank Department 128 Eureka Bancshares, Inc. Eureka Springs, AR RSSD Number: 2941769 VOICE: (479) 253-8241 FAX: (479) 253-6947 70 South Main P. O. Box 309 72632-0309 Bank Holding Company John F. Cross Family Limited Partnership II, Eureka Springs, AR Chm/CEO/Pres: John F. Cross Subsidiaries: Bank of Eureka Springs Eureka Springs, AR JFC, Inc. Eureka Springs, AR RSSD Number: 2941750 VOICE: (479) 253-8241 FAX: (479) 253-6947 70 South Main P. O. Box 309 72632-0309 Pres: John F. Cross Subsidiaries: John F. Cross Family Limited Partnership II Eureka Bancshares, Inc. Bank of Eureka Springs Eureka Springs, AR Eureka Springs, AR Eureka Springs, AR John F. Cross Family Limited Partnership II Eureka Springs, AR RSSD Number: 2941741 VOICE: (479) 253-8241 FAX: (479) 253-6947 70 South Main P. O. Box 309 72632-0309 Bank Holding Company JFC, Inc., Eureka Springs, AR Pres: John F. Cross Subsidiaries: Eureka Bancshares, Inc. Bank of Eureka Springs Eureka Springs, AR Eureka Springs, AR Eighty-Ninth Report 129 Community Investment, Inc. Fayetteville, AR RSSD Number: 1099524 VOICE: (479) 973-2265 FAX: (479) 973-2201 1685 East Joyce Boulevard 72703 Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm/CEO/Pres: Robert Y. Taylor Subsidiaries: Community Bank of North Arkansas Fayetteville, AR FBT Bancshares, Inc. Fordyce, AR RSSD Number: 1099092 VOICE: (870) 352-3107 FAX: (870) 352-5202 200 West 4th Street 71742-2202 Chm/CEO/Pres: James V. Hulse, Jr. EVP: Don Lyle EVP/Sec: Suzette Crutchfield SVP/Treas: Wanda Smurl Subsidiaries: Fordyce Bank & Trust Company Fordyce, AR First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (479) 782-2041 FAX: (479) 788-4602 CEO/Pres: Samuel M. Sicard EVP: Mont S. Echols, Jr. Subsidiaries: Vista Bancorporation Citizens Bank & Trust Company PMF, Inc. Sequoyah County Bancshares, Inc. National Bank of Sallisaw The First National Bank of Fort Smith Brown-Hiller, Inc. Realty Appraisals, Inc. Brown Hiller Clark, Inc. 602 Garrison Avenue P. O. Box 7 72902-0007 Sec: Niki Harrison Van Buren, AR Van Buren, AR Van Buren, AR Sallisaw, OK Sallisaw, OK Fort Smith, AR Fort Smith, AR Fort Smith, AR Sallisaw, OK Arkansas State Bank Department 130 Planters & Merchants Bancshares, Inc. Gillett, AR RSSD Number: 1491511 VOICE: (870) 548-2211 FAX: (870) 548-2220 210 West Main P. O. Box 357 72055-0357 Chm: Frank C. Wolfe CEO/Pres: Larry E. Bauer Subsidiaries: Planters & Merchants Bank P & M Real Estate, Inc. Gillett, AR Gillett, AR Bainum Bancorp Glenwood, AR RSSD Number: 1399792 VOICE: (870) 356-2121 FAX: (870) 356-2211 205 Hwy 70E P. O. Box 500 71943-0500 Chm: Timothy E. Bainum VP: Evea J. Bainum VP: Harold A. Smith Treas/Sec: Lynda Robbins Subsidiaries: Arkansas Diamond Bank Glenwood, AR Bainum Bancorp II Glenwood, AR RSSD Number: 1491333 VOICE: (870) 356-2121 FAX: (870) 356-2211 Chm: Mark Duke Bainum VP: Evea J. Bainum Subsidiaries: Diamond State Bank Diamond State Insurance Agency 205 HWY 70 East P. O. Box 500 71943 VP: Harold A. Smith Treas/Sec: Lynda Robbins Murfreesboro, AR Murfreesboro, AR Eighty-Ninth Report 131 Gravett Bancshares, Inc. Gravette, AR RSSD Number: 3143953 VOICE: (479) 787-5251 FAX: (479) 787-6102 211 South East Main Street P.O. Box 149 72736-0149 Chm/Pres: John R. Meade Subsidiaries: Bank of Gravett Gravette, AR Peoples Home Holding, Inc. Greenbrier, AR RSSD Number: 3029196 VOICE: (501) 679-7283 FAX: (501) 679-7745 Chm/Pres: John Stacks VP: Joe Benton 61 A South Broadview P. O. Box 307 72058 VP: Bill Hannah Sec: Terry Milam Subsidiaries: Home Bank of Arkansas HomeBank Insurance Agency Portland, AR Greenbrier, AR Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (479) 996-4171 FAX: (479) 996-6700 Chm: Elizabeth Wilkinson Subsidiaries: Farmers Bank 125 West Center Street P. O. Box 610 72936-0610 CEO/Pres: Edward Wilkinson Greenwood, AR Arkansas State Bank Department 132 Community First Bancshares, Inc. Harrison, AR RSSD Number: 2754585 VOICE: (870) 391-8000 FAX: (870) 391-8081 Chm/CEO: William King Gladden Pres: David Morton 200 East Ridge P. O. Box 913 72602-0913 Sec: Dan R. Bowers Subsidiaries: Community First Bank Community First AR Statutory Trust I Harrison, AR Harrison, AR First National Bancshares of Hempstead County, Inc. Hope, AR RSSD Number: 1100224 VOICE: (870) 777-2363 FAX: (870) 777-5597 200 East Third Street P. O. Box 520 71802-0520 Bank Holding Company First National Security Company, DeQueen, AR Chm/CEO/Pres: Thomas E. Hays, Jr. VP: Charles E. Sharpe, Jr. Subsidiaries: Bank of Blevins The First National Bank of Hope The First National Bank of Lewisville Blevins, AR Hope, AR Lewisville, AR Pioneer Bancshares, Inc. of Horatio, Arkansas Horatio, AR RSSD Number: 1139091 VOICE: (870) 832-2501 FAX: (870) 832-2577 Chm/CEO/Pres: Edith H. Smith VP: C. E. Hendrix, Jr. Subsidiaries: Horatio State Bank 123 Main Street P. O. Box 347 71842-0347 Treas/Sec: Carl E. Hendrix, III Horatio, AR Eighty-Ninth Report 133 Alliance Bancorporation, Inc. Hot Springs, AR RSSD Number: 2640400 VOICE: (501) 318-1001 FAX: (501) 318-1015 100 Werner Drive P. O. Box 22000 71903 Chm/Pres: David L. Bartlett VChm: Ronnie Twyford VP: Joyce Richardson Sec: Cindy Baswell Subsidiaries: Alliance Bank of Hot Springs Hot Springs, AR Smith Associated Banking Corporation Hot Springs, AR RSSD Number: 1098004 VOICE: (501) 623-4292 FAX: (501) 623-4688 1801 Central Avenue, Suite B 71901 Chm/CEO/Pres: Richard T. Smith Subsidiaries: Bank of Salem SABCO Insurance, Inc. The Stephens Security Bank Ouachita Properties, Inc. Stephens Security Insurance Agency, Inc. Salem, AR Salem, AR Stephens, AR Stephens, AR Stephens, AR First Arkansas BancShares, Inc. Jacksonville, AR RSSD Number: 1096550 VOICE: (501) 982-4511 FAX: (501) 982-5769 Chm/CEO/Pres: Larry T. Wilson Subsidiaries: First Arkansas Bank & Trust First Arkansas Mortgage Company 600 West Main Street P. O. Box 827 72078-0827 VP/Sec: Ken Southern Jacksonville, AR Jacksonville, AR Arkansas State Bank Department 134 American State Bank Corporation Jonesboro, AR RSSD Number: 2356886 VOICE: (870) 972-9800 FAX: (870) 930-9311 2201 Fair Park P. O. Box 3080 72403 Chm/Pres: Frank Oldham EVP: David Dudley EVP: Steve Gramling EVP: J. Steven McFerron Subsidiaries: American State Bank American State Financial Services, Inc. Jonesboro, AR Jonesboro, AR Heritage Capital Corporation Jonesboro, AR RSSD Number: 1143717 VOICE: (870) 802-2344 FAX: (870) 268-2033 2009 Browns Lane P. O. Box 3020 72403-3020 Chm/CEO: Larry Grisham Pres: Stephen D. May Treas/Sec: Diane Steiling Subsidiaries: Heritage Bank Jonesboro, AR Liberty Bancshares, Inc. Jonesboro, AR RSSD Number: 3101784 VOICE: (870) 972-5866 FAX: (870) 935-8306 Chm/CEO: Wallace W. Fowler Pres: Mark P. Fowler Subsidiaries: MSB Shares, Inc. MidSouth Bank MSB Capital Trust I Liberty Bank of Arkansas 139 Southwest Drive 72401 Sec: Lloyd McCracken, Jr. Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Eighty-Ninth Report 135 MSB Shares, Inc. Jonesboro, AR RSSD Number: 1951109 VOICE: (870) 931-0100 FAX: (870) 910-5698 2506 Southwest Circle P. O. Box 5040 72403-5040 Bank Holding Company Liberty Bancshares, Inc., Jonesboro, AR Chm: Wallace W. Fowler Pres: Gary Clark Treas: Chris Puryear Subsidiaries: MidSouth Bank MSB Capital Trust I Jonesboro, AR Jonesboro, AR Russellville Bancshares, Inc. Jonesboro, AR RSSD Number: 3021220 VOICE: (870) 972-5866 FAX: (870) 935-8306 139 Southwest Drive 72401 Bank Holding Company Home BancShares, Inc., Conway, AR Chm/Pres: Roy A. Reaves VChm: Wallace W. Fowler Sec: Lloyd McCracken, Jr. Subsidiaries: First Arkansas Valley Bank Russellville, AR Pine State Bancshares, Inc. Kingsland, AR RSSD Number: 1963139 VOICE: (870) 348-5657 FAX: (870) 348-1002 Chm/CEO: M. Don Smith Subsidiaries: Pine State Bank 1st Street P. O. Box 85 71652 Pres: Sheila Harrison Smith Kingsland, AR Arkansas State Bank Department 136 Southeast Arkansas Bank Corporation Lake Village, AR RSSD Number: 1137033 VOICE: (870) 265-2241 FAX: (870) 265-2125 201 Main Street P. O. Box 727 71653-0727 Chm: Charles H. Weissinger, Jr. CEO/Pres: Terence J. Alpe VChm: William W. Bunker Atty: David F. Gillison, Jr. Subsidiaries: The Bank of Lake Village BLV Realty, Inc. The Jefferson Bank The Jefferson Agency Lake Village, AR Lake Village, AR Fayette, MS Fayette, MS Little River Bancshares, Inc. Lepanto, AR RSSD Number: 2463391 VOICE: (870) 475-2306 FAX: (870) 475-3070 Pres: Benjamin Perry 202 Greenwood Avenue P. O. Box 340 72454-0340 Sec: Henry Watkins Subsidiaries: Little River Bank Lepanto, AR Arkansas Bankers' Bancorporation, Inc. Little Rock, AR RSSD Number: 1491650 VOICE: (501) 371-0535 FAX: (501) 375-2281 Chm: Thomas H. Grumbles Subsidiaries: Arkansas Bankers' Bank 1020 West Second Street 72201-2031 CEO/Pres: James N. Thomason Little Rock, AR Eighty-Ninth Report 137 Bank of the Ozarks, Inc. Little Rock, AR RSSD Number: 1097089 VOICE: (501) 978-2265 FAX: (501) 978-2205 12615 Chenal Parkway P. O. Box 8811 72231-8811 Chm/CEO: George G. Gleason, II VChm/Pres/COO: Mark D. Ross CFO: Paul E. Moore Subsidiaries: Bank of the Ozarks Ozark Capital Trust Little Rock, AR Baltimore, MY Capital Bancshares, Inc. Little Rock, AR RSSD Number: 2777016 VOICE: (501) 228-6000 FAX: (501) 228-6006 12224 Chenal Parkway P. O. Box 8210 72211 Chm: Warren Stephenson CEO/Pres: Kyle E. Patton VP: Bonnie Crocheron Subsidiaries: The Capital Bank Little Rock, AR Delta Trust & Banking Corporation Little Rock, AR RSSD Number: 2834115 VOICE: (501) 907-2298 FAX: (501) 907-2299 Chm/CEO: J. French Hill Pres: Thomas R. Pugh, Jr. Subsidiaries: Delta Trust & Bank Delta Trust Investments, Inc. Moore Mortgage Inc. Delta Trust Insurance Agency, Inc. Turtle Creek Mortgage, Inc. 11700 Cantrell Road P. O. Box 17607 72222 EVP: Carroll Penick Sec: Carolyn F. Carney Parkdale, AR Little Rock, AR Little Rock, AR Parkdale, AR Dallas, TX Arkansas State Bank Department 138 Lake Hamilton Enterprises, Inc. Little Rock, AR RSSD Number: 1094864 VOICE: (501) 562-3894 FAX: (501) 562-2611 2311 Biscayne, Suite 300 P. O. Box 4216 72227 Chm/Pres: Paul D. Eaton Treas/Sec: John M. Henry Subsidiaries: The Bank of Harrisburg The Cleburne County Bank Harrisburg, AR Heber Springs, AR Little Rock Bankshares, Inc. Little Rock, AR RSSD Number: 2617082 VOICE: (501) 376-0800 FAX: (501) 374-7937 Chm/CEO: Eugene L. Maris Pres: George G. Worthen Subsidiaries: Bank of Little Rock BLR Mortgage Corp. Hallmark Loan & Inv. Co. 200 North State Street P. O. Box 34090 72203 SVP/Cash: Lee A. Swearingen Little Rock, AR Little Rock, AR Little Rock, AR Eighty-Ninth Report 139 Pulaski Investment Corporation Little Rock, AR RSSD Number: 1095423 VOICE: (501) 661-7700 FAX: (501) 661-7357 5800 R Street P. O. Box 7299 72217-7299 Chm: James C. East CEO: J. Hunter East Pres: Robert C. Magee Subsidiaries: Pulaski Bank And Trust Company Asset Exchange, Inc. Directors Properties, Inc. Lenders Title Company Pulaski Building, Inc. Pulaski Insurance Agency, Inc. Pulaski Mortgage Company Pulaski Mortgage Services, Inc. Pulaski Services, Inc. Pulaski Capital Trust Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Riverside Bancshares, Inc. Little Rock, AR RSSD Number: 2155342 VOICE: (501) 614-6161 FAX: (501) 614-6162 Pres: Stephen C. Davis Subsidiaries: Riverside Bank Riverside Mortgage Company, Inc. 1001 W. Markham, 2nd Floor 72201 Sec: David Matchet Sparkman, AR Little Rock, AR Arkansas State Bank Department 140 State Holding Company Little Rock, AR RSSD Number: 1100046 VOICE: (501) 223-2000 FAX: (501) 223-0373 650 South Shackleford, Suite 150 P. O. Box 22120 72221-2120 Chm: Harry L. Hastings, Jr. CEO/Pres: Catherine H. Owen EVP: Paul Castleberry Sec: Randall K. Herlocker Subsidiaries: Heber Springs State Bank Eagle Development Company North Eagle Bank & Trust Company Eagle Development Company South State Mortgage Company Heber Springs, AR Heber Springs, AR Little Rock, AR Little Rock, AR Little Rock, AR Lonoke Bancshares, Inc. Lonoke, AR RSSD Number: 1491614 VOICE: (501) 676-3106 FAX: (501) 676-5046 Chm: Neil Bennett, Jr. CEO: David R. Estes 101 South Center Street P. O. Box 320 72086-0320 Sec: Karen K. Hardke Subsidiaries: First State Bank First State Land Co., Inc. Lonoke, AR Lonoke, AR Golden Oaks Bancshares, Inc. Magnolia, AR RSSD Number: 1098684 VOICE: (870) 234-5777 FAX: (870) 234-3384 Chm: S. Clark Fincher VChm: Harold H. Fincher Subsidiaries: The Peoples Bank 500 North Jackson Street P. O. Box 340 71754-0340 Pres: Mary L. Fowler Magnolia, AR Eighty-Ninth Report 141 Magnolia Banking Corporation Magnolia, AR RSSD Number: 1135413 VOICE: (870) 235-7000 FAX: (870) 235-7010 200 East Main Street P. O. Box 250 71754-0250 Chm/CEO/Pres: Bob L. Burns VP: Steve Keith VP: Bruce D. Maloch Sec: Mary W. Harsh Subsidiaries: Farmers Bank and Trust Company FB&T Insurance Agency of South Arkansas, Inc. Magnolia Properties, Inc. Magnolia, AR Magnolia, AR Magnolia, AR Southern State Bancshares, Inc. Malvern, AR RSSD Number: 2497396 VOICE: (501) 332-2462 FAX: (501) 332-8437 521 East Page P. O. Box 340 72104-0340 Chm/CEO/Pres: Donald A. Walsh EVP: Sue Stinnett VP: Johnny Gibbs Subsidiaries: Southern State Bank Malvern, AR Tyronza Bancshares, Inc. Marked Tree, AR RSSD Number: 1139783 VOICE: (870) 358-6000 FAX: (870) 358-6001 214 Hester Parker Drive P. O. Box 635 72365-0635 Chm: George E. Beley Subsidiaries: First Delta Bank Marked Tree, AR Arkansas State Bank Department 142 Madison Corporation Maumelle, AR RSSD Number: 1142466 VOICE: (501) 851-3023 FAX: (501) 851-2867 103 Beaulieu Court 72113 Chm/CEO/Pres: Roland Willshire VP/Treas/Sec: Rose Willshire Subsidiaries: Madison Bank and Trust Kingston, AR M. D. Thompson & Son Co. McCrory, AR RSSD Number: 1094967 VOICE: (870) 731-2526 FAX: (870) 731-2527 CEO/Pres: John G. Thompson VP: H. Ripley Thompson 105 South Edmonds Avenue P. O. Box 388 72101-0388 Sec: Vance M. Thompson, III Subsidiaries: Bank of McCrory McCrory, AR Southeast Financial Bankstock Corporation McGehee, AR RSSD Number: 1096662 VOICE: (870) 222-3151 FAX: (870) 222-6159 Pres: William W. Bowman VP: John H. Potter, Jr. Subsidiaries: McGehee Bank McBank Realty 301 North 2nd P. O. Box 787 71654-0787 Sec: James M. Smith McGehee, AR McGehee, AR Eighty-Ninth Report 143 Union Bankshares, Inc. Mena, AR RSSD Number: 1099805 VOICE: (479) 394-2211 FAX: (479) 394-3809 303 Hwy 71 North P. O. Box 898 71953-0898 Chm: Edward W. Stevenson CEO/Pres: Philip B. Hensley SVP/CFO: Michael D. Myers Sec: David Maddox Subsidiaries: The Union Bank of Mena Mena, AR Drew Bancshares, Inc. Monticello, AR RSSD Number: 1098198 VOICE: (870) 367-6221 FAX: (870) 367-7700 Chm: Virginia M. Ryburn VChm: Bennie Ryburn, Jr. 212 West Gaines P. O. Box 150 71657-0150 Pres: George T. Harris Subsidiaries: Commercial Bank & Trust Company Monticello, AR First Union Financial Corporation Monticello, AR RSSD Number: 1098880 VOICE: (870) 460-6400 FAX: (870) 460-6465 Chm/CEO: Zach McClendon, Jr. Subsidiaries: Union Bank And Trust Company 102 West McCloy P. O. Box 270 71657-0270 Pres: James P. Jett Monticello, AR Arkansas State Bank Department 144 Petit Jean Bancshares, Inc. Morrilton, AR RSSD Number: 2877402 VOICE: (501) 354-4988 FAX: (501) 354-6560 707 North Saint Joseph Street P. O. Box 680 72110 Pres: Charles S. Penick Subsidiaries: Petit Jean State Bank Morrilton, AR TrustBanc Financial Group, Inc. Mountain Home, AR RSSD Number: 2889197 VOICE: (870) 424-4100 FAX: (870) 424-4144 Pres: Phillip H. Young 665 Hwy. 62 East P. O. Box 2130 72654-2130 EVP: Gregory D. Allen Subsidiaries: TrustBanc Mountain Home, AR Mountain View Bancshares, Inc. Mountain View, AR RSSD Number: 2317999 VOICE: (870) 269-3815 FAX: (870) 269-2899 Chm: Glen Hinkle CEO/Pres: James G. Hinkle Subsidiaries: Bank of Mountain View Mountain View Aviation, LLC Sylamore Properties, Inc. 121 East Main Street P. O. Box 1228 72560-1228 Sec: Kenneth Sutton Mountain View, AR Mountain View, AR Mountain View, AR Eighty-Ninth Report 145 Acme Holding Company, Inc. Mulberry, AR RSSD Number: 1140556 VOICE: (479) 997-1154 FAX: (479) 997-1161 311 Main Street P. O. Drawer A 72947-0480 Bank Holding Company Acme Holding Co., Inc. Employee Stock Ownership Plan (ESOP), Mulberry, AR CEO: Lex Golden Pres: Alex Golden Subsidiaries: Allied Bank FSB Mortgage Company, Inc. General Mortgage Co. The Rock Acceptance Corporation Westport Life Insurance Company Mulberry, AR Little Rock, AR Mulberry, AR Boulder, CO Mulberry, AR Acme Holding Co., Inc. Employee Stock Ownership Plan (ESOP) Mulberry, AR RSSD Number: 2576424 VOICE: (479) 997-1154 FAX: (479) 997-1161 311 Main Street P. O. Drawer A 72947-0480 CEO: Lex Golden Subsidiaries: Acme Holding Company, Inc. Allied Bank FSB Mortgage Company, Inc. General Mortgage Co. The Rock Acceptance Corporation Westport Life Insurance Company Mulberry, AR Mulberry, AR Little Rock, AR Mulberry, AR Boulder, CO Mulberry, AR Arkansas State Bank Department 146 M & P Community Bancshares, Inc. Newport, AR RSSD Number: 1491306 VOICE: (870) 523-3601 FAX: (870) 523-3473 120 Hazel Street P. O. Box 650 72112-0650 Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. VP/Sec: Carla P. Stiger Subsidiaries: Greers Ferry Lake State Bank Merchants & Planters Bank McCartney, Manning, McDonald, & Guinn Insurance Preferred Choice Financial Services, Inc. Heber Springs, AR Newport, AR Newport, AR Newport, AR TCBancorp, Inc. North Little Rock, AR RSSD Number: 2891819 VOICE: (501) 812-1400 FAX: (501) 812-1459 2716 Lakewood Village Place P. O. Box 16270 72231 Bank Holding Company Home BancShares, Inc., Conway, AR Chm: John W. Allison Pres: Robert F. Birch, Jr. Sec: Rick Ashley Subsidiaries: Twin City Bank FirsTrust Financial Services, Inc. North Little Rock, AR North Little Rock, AR Spring Rivers Bancshares, Inc. Paragould, AR RSSD Number: 1250428 VOICE: (870) 236-7623 FAX: (870) 236-7492 CEO/Pres: Charles F. Luter Subsidiaries: Peoples Bank 300 W. Emerson P. O. Box 490 72450 VP/Sec: Warren E. Luter Paragould, AR Eighty-Ninth Report 147 Parkin Bancorp, Inc. Parkin, AR RSSD Number: 1142411 VOICE: (479) 755-5401 FAX: (479) 755-5648 123 West Parkin P. O. Box 526 72373-0526 Chm/Pres: William N. Griffin Sec: William N. Griffin, Jr. Subsidiaries: First State Bank Parkin, AR Perry County Bancshares, Inc. Perryville, AR RSSD Number: 1138674 VOICE: (501) 889-2318 FAX: (501) 889-5727 813 North Fourche Avenue P. O. Box 189 72126-0189 CEO/Pres: Herby Branscum, Jr. Sec: Robert M. Hill Subsidiaries: Chart Bank Perryville, AR Piggott Bankstock, Inc. Piggott, AR RSSD Number: 1098321 VOICE: (870) 598-3802 FAX: (870) 598-2026 212 West Cherry Street P. O. Box 307 72454-0307 Chm/CEO/Pres: Paula O. Blackwell Subsidiaries: Piggott State Bank Piggott, AR Arkansas State Bank Department 148 Simmons First National Corporation Pine Bluff, AR RSSD Number: 1094828 VOICE: (870) 541-1000 FAX: (870) 541-1123 501 Main Street P. O. Box 7009 71611-7009 Chm/CEO/Pres: J. Thomas May Subsidiaries: Simmons First Bank of El Dorado, N. A. Simmons First Bank of Jonesboro Simmons First Bank of South Arkansas Simmons First National Bank Simmons First Trust Company, N.A. Simmons First Bank of Northwest Arkansas Simmons First Bank of Russellville Simmons First Bank of Searcy Arkansas Fund, Inc. Simmons First Capital Trust Simmons First Mortgage Corporation El Dorado, AR Jonesboro, AR Lake Village, AR Pine Bluff, AR Pine Bluff, AR Rogers, AR Russellville, AR Searcy, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pocahontas Bankstock, Inc. Pocahontas, AR RSSD Number: 1834266 VOICE: (870) 892-5286 FAX: (870) 892-8381 Pres: John R. Jackson, Jr. VP: Don R. Cox 1 Bank Plaza P. O. Box 467 72455-0467 Sec: Frank Bigger Subsidiaries: Bank of Pocahontas Pocahontas, AR Portland Bankshares, Inc. Portland, AR RSSD Number: 1141188 VOICE: (870) 737-2226 FAX: (870) 737-4263 Chm: Robert D. Pugh Subsidiaries: Portland Bank Main Street P. O. Box 68 71663-0068 CEO/Pres: Jerry Sadler Portland, AR Eighty-Ninth Report 149 Prescott Bancshares, Inc. Prescott, AR RSSD Number: 2236586 VOICE: (870) 887-2688 FAX: (870) 887-6822 East Second at Main P.O. Drawer 490 71857-0490 Pres: John Warren Brannan, Jr. EVP: James E. Franks Treas/Sec: Karen McLelland Subsidiaries: Bank of Prescott Prescott, AR BOR Bancshares, Inc. Rogers, AR RSSD Number: 2626516 VOICE: (479) 621-6800 FAX: (479) 621-6801 801 North Dixieland P. O. Box 699 72757 Chm/CEO: Dick McLelland Pres: Guy J. Cable EVP: Scott Franklin Subsidiaries: Bank of Rogers Rogers, AR First State Banking Corporation Russellville, AR RSSD Number: 1096448 VOICE: (479) 498-2402 FAX: (479) 498-2465 Chm/CEO/Pres: Charles Blanchard VChm: Don C. Guess Subsidiaries: First State Bank Nimrod Real Estate, Inc. First State Bank Capital Statutory Trust FSB Capital Trust II 3103 East Main Street P. O. Box 10610 72812 CFO: Donna Harpenau Sec: Mandy Morgan Russellville, AR Russellville, AR Hartford, CT Wilmington, DE Arkansas State Bank Department 150 First Security Bancorp Searcy, AR RSSD Number: 1096505 VOICE: (501) 279-3400 FAX: (501) 279-3486 314 North Spring P. O. Box 1009 72145-1009 Chm/CEO/Pres: Reynie Rutledge Subsidiaries: Farmers Bank and Trust Company First Security Bank of Conway First Security Bank of Mountain Home Peoples Real Estate Management Co. First Security Bank First Security Investment Advisors, Inc. First Security Real Estate Management, Inc. Crews & Associates, Inc. First Security Leasing, Inc. Clarksville, AR Conway, AR Mountain Home, AR Mountain Home, AR Searcy, AR Searcy, AR Searcy, AR Little Rock, AR Little Rock, AR Arkansas State Bancshares, Inc. Siloam Springs, AR RSSD Number: 2965934 VOICE: (479) 524-8101 FAX: (479) 524-3307 318 East Main Street P. O. Box 400 72761-0400 Pres: Arthur Morris Subsidiaries: Arkansas State Bank Siloam Springs, AR Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 CEO/Pres: Bob Willett SVP: J. Drew Tennyson Subsidiaries: Smackover State Bank 708 North Broadway P. O. Box 107 71762-0107 SVP: James B. Yeager VP: Vicki Davis Smackover, AR Eighty-Ninth Report 151 BTS Bancshares, Inc. Springdale, AR RSSD Number: 1951172 VOICE: (479) 750-9100 FAX: (479) 750-0953 5571 Bleaux Ave. P. O. Box 6485 72766 Chm: Sam Mathias Subsidiaries: First State Bank Huntsville, AR Bodcaw Bancshares, Inc. Stamps, AR RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 307 Thomas Street P. O. Box 8 71860-0008 Chm: J. Paul Nipper Subsidiaries: Bodcaw Bank Stamps, AR Star City Bancshares, Inc. Star City, AR RSSD Number: 1131723 VOICE: (870) 628-4286 FAX: (870) 628-5274 116 North Lincoln P. O. Drawer 69 71667-0069 Chm/CEO/Pres: Bennie F. Ryburn, Jr. Subsidiaries: Bank of Star City Star City, AR Arkansas State Bank Department 152 The Farmers and Merchants Bankshares, Inc. Stuttgart, AR RSSD Number: 1099672 VOICE: (870) 673-6911 FAX: (870) 672-4282 708 South Main P. O. Drawer 1010 72160-1010 Chm: Roy O. McCollum, III CEO/Pres: Don Pattillo Subsidiaries: The Farmers and Merchants Bank F & M Realty, Inc. Stuttgart, AR Stuttgart, AR Vista Bancorporation Van Buren, AR RSSD Number: 1398777 VOICE: (479) 474-1201 FAX: (479) 410-1340 3110 Alma Highway P. O. Box 469 72957-0469 Bank Holding Company First Bank Corp., Fort Smith, AR Chm/CEO: James G. Williamson, Jr. Treas: Joe Dan Stewart Sec: D. Keith Hefner Subsidiaries: Citizens Bank & Trust Company PMF, Inc. Van Buren, AR Van Buren, AR Bradley Bancshares, Inc. Warren, AR RSSD Number: 1097463 VOICE: (870) 226-2601 FAX: (870) 226-2253 Chm: Virginia M. Ryburn CEO/Pres: Freddie M. Mobley Subsidiaries: First State Bank of Warren 104 South Main Street P. O. Box 29 71671-0029 VChm: Bennie F. Ryburn, Jr. Warren, AR Eighty-Ninth Report 153 Cross County Bancshares, Inc. Wynne, AR RSSD Number: 1131611 VOICE: (870) 238-8171 FAX: (870) 238-4052 Chm: Dr. Willard G. Burks CEO/Pres: Mac McClanahan Subsidiaries: Cross County Bank 1 Cross County Plaza P. O. Box 9 72396-0009 EVP: David Dowd Treas/Sec: Shelia Hess Wynne, AR OUT OF STATE BANK HOLDING COMPANIES AND THEIR ARKANSAS SUBSIDIARIES JUNE 30, 2003 Arkansas State Bank Department 156 Security State Bancshares, Inc. Charleston, MO RSSD Number: 1248573 VOICE: (573) 683-3712 FAX: (573) 683-7088 101 South Main P. O. Box 99 63834 CEO/Pres: Don Burnett Sec: William Clayton Vandivort Subsidiaries: Security State Bancshares of Arkansas, Inc. Bank of Paragould First Security State Bank of Southeast Missouri First Security State Bank of Charleston Security State Statutory Trust I Security State Statutory Trust II Charleston, MO Paragould, AR Caruthersville, MO Charleston, MO Charleston, MO Charleston, MO Security State Bancshares of Arkansas, Inc. Charleston, MO RSSD Number: 3161555 VOICE: (573) 683-3712 FAX: (573) 683-7088 101 South Main P.O. Box 99 63834 Bank Holding Company Security State Bancshares, Inc., Charleston, MO CEO/Pres: Don Burnett Subsidiaries: Bank of Paragould Paragould, AR Eighty-Ninth Report ABBREVIATIONS Chm: CEO: VChm: Pres: Reg Pres: EVP: SVP: CAO: CFO: COO: AdmVP: EO: VP: SLO: Cash: Cont: AVP: Aud: TO: ATO: Treas: Sec: Atty: Chairman of the Board Chief Executive Officer Vice Chairman President Regional President Executive Vice President Senior Vice President Chief Administrative Officer Chief Financial Officer Chief Operating Officer Administrative Vice President Executive Officer Vice President Senior Loan Officer Cashier Controller Assistant Vice President Auditor Trust Officer Assistant Trust Officer Treasurer Secretary Attorney 157 158 Arkansas State Bank Department NOTES Eighty-Ninth Report NOTES 159 160 Arkansas State Bank Department NOTES
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