The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.
REPORT OF THE BANK COMMISSIONER OF ARKANSAS 2001 MIKE HUCKABEE Governor FRANK WHITE Bank Commissioner Eighty-Seventh Report EIGHTY-SEVENTH ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2001 Eighty-Seventh Report STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2001 Honorable Mike Huckabee Governor of Arkansas Little Rock, Arkansas Governor Huckabee: I am pleased to submit to you the Eighty-Seventh Annual Report of the Bank Commissioner of Arkansas, pursuant to the provisions of Act 89 of 1997. The Report contains financial and statistical data compiled from Reports of Condition and Income and other regulatory reports submitted to this office for the fiscal year ending June 30, 2001. 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, Frank White Bank Commissioner Eighty-Seventh 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 ............................................................................................................................................. 9 State Chartered Banks Merged ............................................................................................................... 10 Charters Approved................................................................................................................................... 11 Charter Conversions................................................................................................................................ 11 New Branches Approved ........................................................................................................................ 12 Subchapter S Corporation Banks ............................................................................................................ 15 Fiscal Report of The Bank Department ................................................................................................... 16 Federal Supervisory Agencies................................................................................................................. 17 Trade Associations .................................................................................................................................. 22 Consolidated Report of Condition of State Chartered Banks...................................................................................................................... 24 Consolidated Statement of State Chartered Trust Departments...................................................................................................... 25 Consolidated Report of Condition of 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 ............................................................................... 105 Report of State Chartered Trust Companies ......................................................................................... 107 Report of Regional/County Industrial Development Corporations ......................................................... 109 Commercial Banks Listed by County..................................................................................................... 113 Map of Arkansas Counties......................................................................................................................120 Arkansas Bank Holding Companies ...................................................................................................... 121 Out of State Bank Holding Companies .................................................................................................. 163 Abbreviations ......................................................................................................................................... 165 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-Seventh 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 ............. Arkansas State Bank Department 4 STATE BANKING BOARD MEMBERS Ms. Phyllis Kincannon Chairman 200 Bay Pointe Cove #A-101 Maumelle, AR 72113 VOICE: (501) 851-1722 TERM EXPIRES: 12-31-01 Mr. Bob Douglas th 2507 East 9 Texarkana, AR 71854 VOICE: (870) 773-3633 FAX: (870) 772-6409 TERM EXPIRES: 12-31-03 Ms. Judy Loving Vice Chairman The Bank of Yellville P.O. Box 325 Yellville, AR 72687-0325 VOICE: (870) 449-4231 FAX: (870) 449-4866 TERM EXPIRES: 12-31-02 Mr. David Bartlett Alliance Bank of Hot Springs P.O. Box 22000 Hot Springs, AR 71903 VOICE: (501) 318-1001 FAX: (501) 318-1015 TERM EXPIRES: 12-31-04 Mr. Theodore C. Skokos 425 West Capitol Avenue, Suite 3200 Little Rock, AR 72201-3469 VOICE: (501) 374-1107 FAX: (501) 374-5092 TERM EXPIRES: 12-31-03 Mr. Gus Rusher Bank of Brinkley P.O. Box 727 Brinkley, AR 72021-0727 VOICE: (870) 734-3133 FAX: (870) 734-3001 TERM EXPIRES: 12-31-05 Eighty-Seventh Report Arkansas State Bank Department 400 Hardin Road, Suite 100 Little Rock, AR 72211-3502 VOICE: (501) 324-9019 FAX: (501) 324-9028 www.state.ar.us./bank DEPARTMENTAL ROSTER Frank White - 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 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 Cee Cee Solares – Administrative Assistant l Administrative Support Examination Support and Processing Data Entry Eighty-Seventh 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 Todd D. Smith − Commissioned Senior Examiner Marivel Radcliffe − Commissioned Senior Examiner Jarrod W. Yarnell – Financial Examiner ll Kelly Shewmaker – Financial Examiner Il Steven Sosebee – Financial Examiner Il Joseph M. Payne – Financial Examiner l Kevin Adams – Financial Examiner Trainee Justin Salter – Financial Examiner Trainee Kevin Williams – Financial Examiner Trainee Charles Moneymaker – 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 Terry R. Dickson − Commissioned Senior Examiner Misty Micenhamer – Bank Senior Examiner John Householder – Bank Senior Examiner T. J. Anderson – Financial Examiner Il John W. Alderson – Financial Examiner l Trent H. Brown – 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 Jeffrey Cameron – Bank Senior Examiner Kelvin T. Marshall – Financial Examiner I Michael Green – Financial Examiner l Jamie A. Bazarow – Financial Examiner l Cara Lank – Financial Examiner l Kevin C. Mosley – Financial Examiner l Trey Clark – Financial Examiner Trainee Thomas Cook – Financial Examiner Trainee Heather Rickard – Financial Examiner Trainee Carey Sharp – 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 Stacey D. Leder − Bank Senior Examiner Jason E. Willard – Bank Senior Examiner Jessica O’Bryan – Financial Examiner l INFORMATION SYSTEMS Robert H. Carr, III - IS Supervisor Ronnie Peters – Bank Senior DP Examiner Eighty-Seventh Report STATE CHARTERED BANKS' CORPORATE NAME CHANGES/RELOCATIONS BANK NEW NAME/LOCATION Community Bank of North Arkansas Elkins Community Bank of North Arkansas Fayetteville First State Bank of Gurdon Gurdon Century Bank – Arkansas Texarkana The Bank of Jonesboro Hughes The Bank of Jonesboro Jonesboro The Perry County Bank Perryville Chart Bank Perryville Merchants & Planters Bank Sparkman Riverside Bank Sparkman Bank of Tuckerman Tuckerman First Community Bank Jonesboro First Delta Bank Tyronza First Delta Bank Marked Tree 9 Arkansas State Bank Department 10 STATE CHARTERED BANKS MERGED FROM JULY 1, 2000, TO JUNE 30, 2001 BANK MERGED INTO Bank of Amity Amity Chambers Bank Danville The Union Bank of Bryant Bryant The Union Bank of Benton Benton The Delta State Bank Elaine First National Bank of Phillips County Helena First Community Bank Jonesboro Pocahontas Federal Savings and Loan Association Pocahontas The Merchants and Planters Bank Manila The First National Bank in Blytheville Blytheville The Bank of North Arkansas Melbourne BancorpSouth Bank Tupelo, Mississippi First Community Bank Pocahontas Bank of Tuckerman Tuckerman First United Bank Stuttgart BancorpSouth Bank Tupelo, Mississippi The Scott County Bank Waldron Chambers Bank Danville Eighty-Seventh Report CHARTERS APPROVED Timberland Bank 2421 North West Avenue El Dorado, Arkansas 71730 (Charter Date August 22, 2000) Peoples Bank 1120 South Rock Street Sheridan, Arkansas 72150 (Charter Date September 11, 2000) First Community Bank of Crawford County 2925 Alma Highway, Suite A Van Buren, Arkansas 72950 (Charter Date July 7, 2000) CHARTER CONVERSIONS The Bank of Jonesboro 715 Southwest Drive Jonesboro, Arkansas 72401 (Converted from a national charter January 24, 2001) One Bank & Trust 300 West Capitol Avenue Little Rock, Arkansas 72203 (Converted to a national charter May 2, 2001) 11 Arkansas State Bank Department 12 NEW BRANCHES APPROVED FROM JULY 1, 2000, TO JUNE 30, 2001 BANK LOCATION Summit Bank Arkadelphia 2960 West Pine Arkadelphia Summit Bank Arkadelphia 1800 Military Road Benton Summit Bank Arkadelphia 600 South Main Hope Summit Bank Arkadelphia 150 Airport Road Hot Springs Summit Bank Arkadelphia 1608 Martin Luther King Boulevard Malvern Citizens Bank Booneville 201 SW 14 Suite 101 Bentonville Bank of Cave City Cave City 136 Highway 25 Lynn First State Bank Conway 1815 East Oak Street Conway First State Bank Conway #8 Business Park Drive Greenbrier Chambers Bank Danville 4418 Towson Avenue Fort Smith Fordyce Bank & Trust Company Fordyce 7199 Sheridan Road White Hall Arvest Bank Fort Smith 4800 Kelley Highway Fort Smith First Service Bank Greenbrier 9667 Highway 16 East, Suite 4 Shirley Community First Bank Harrison 911 West Trimble Berryville th Eighty-Seventh Report 13 BANK LOCATION The Cleburne County Bank Heber Springs 502 Main Street Pangburn Heber Springs State Bank Heber Springs Highways 5 & 36 Rose Bud Peoples Bank Imboden 1818 Highway 67 North Pocahontas Peoples Bank Imboden 36 Highway 115 Smithville The Bank of Jonesboro Jonesboro 2241 South Caraway Jonesboro Bank of the Ozarks Little Rock 400 Bryant Avenue Bryant Eagle Bank & Trust Company Little Rock 5600 R Street Little Rock Pulaski Bank And Trust Company Little Rock North Monroe & West Markham Little Rock First State Bank Lonoke 2125 East Joyce Boulevard Fayetteville Diamond State Bank Murfreesboro 400 South Main Hope Twin City Bank North Little Rock 650 Main Street North Little Rock Twin City Bank North Little Rock 4308 Broadway North Little Rock Southern Bank of Commerce Paragould 2775 East Nettleton Jonesboro Delta Trust & Bank Parkdale 11700 Cantrell Road Little Rock Delta Trust & Bank Parkdale Chenal & Kirk Road Little Rock 14 Arkansas State Bank Department BANK LOCATION Bank of Pocahontas Pocahontas 103 West 3 Imboden The Farmers & Merchants Bank Prairie Grove 315 East Pridemore Lincoln Bank of Rogers Rogers 390 West Centerton Centerton First Security Bank Searcy 31 Cunningham Corner Bella Vista First Security Bank Searcy 14512 Highway 12 East Rogers First Security Bank Searcy 2863 West Sunset Springdale Arkansas State Bank Siloam Springs 2901 Highway 412 East Siloam Springs Arkansas State Bank Siloam Springs 786 East Henri de Tonti Springdale Bank of Star City Star City 7101 Dollarway Road White Hall rd Eighty-Seventh Report 15 STATE CHARTERED SUBCHAPTER S CORPORATION BANKS BANK CITY Bank of Brinkley Brinkley First State Bank of DeQueen DeQueen Arkansas Diamond Bank Glenwood First Arkansas Bank & Trust Jacksonville Little River Bank Lepanto Bank of Lockesburg Lockesburg Farmers Bank and Trust Company Magnolia The Peoples Bank Magnolia The Union Bank of Mena Mena Bank of Mountain View Mountain View Diamond State Bank Murfreesboro Chart Bank Perryville Bank of Pocahontas Pocahontas Riverside Bank Sparkman Bank of Star City Star City 16 Arkansas State Bank Department The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 2000 through June 30, 2001. RECEIPTS Cash Balance June 30, 2000 .....................................................$3,782,584.39 Examination and Assessment Fees........................2,418,314.22 Charter and Amendment Fees.......................................9,900.00 Teller's Facility Application and all Protest Fees .................................................165,484.00 Miscellaneous Fees........................................................3,300.50 Reimbursement for M & R Sales....................................5,577.75 Refund to Expenditures − Prior Year............................11,153.33 Refund to Expenditures − Current Year .......................13,488.76 Outlawed Warrants..............................................................50.00 Old Year Warrant Cancellation................................................ -0Total Receipts 2,627,268.56 $6,409,852.95 DISBURSEMENTS Salaries ...................................................................3,182,834.74 Extra Help Salaries.........................................................1,431.41 Maintenance and General Operations .......................817,814.61 S.S., Retirement and Insurance Matching..................................................................755,979.48 Professional Services and Fees...................................11,885.00 Conference Fees and Travel......................................128,268.69 Capital Outlay.............................................................174,584.38 Data Processing ...................................................................... -0Proceeds from M & R .....................................................5,577.75 Service Charge by State Treasurer..............................38,905.48 Total Disbursements 5,117,281.54 Cash Balance June 30, 2001 1,292,571.41 $6,409,852.95 Eighty-Seventh Report FEDERAL DEPOSIT INSURANCE CORPORATION Memphis Regional Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 VOICE: (901) 685-1603 FAX: (901) 821−5308 FAX: (901) 821−5309 www.fdic.gov Cottrell L. Webster...............................................Regional Director − Supervision Sylvia H. Plunkett.................................................. Regional Director − Consumer Chuck Foster ........................................... Deputy Regional Director - Supervision David H. Moulton ....................................... Deputy Regional Director - Consumer Eddie Watts, Jr. ......................................................... 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 Marvin B. Payne ................................................................. Supervisory Examiner Memphis Field Office 8295 Tournament Drive, Suite 100 Memphis, Tennessee 38125-8866 VOICE: (901) 748-3342 FAX: (901) 748-1512 William W. Quinn ............................................................... Field Office Supervisor Shreveport Field Office 1914 Citizens Bank Drive Bossier City, Louisiana 71111-3423 VOICE: (318) 746-8283 FAX: (318) 742-2451 John J. Poskonka .............................................................. Field Office Supervisor 17 18 Arkansas State Bank Department 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 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 Joan P. Cronin .......................................................................... 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 Sharon Williamson................................................................................Vice President Human Resources Eighty-Seventh Report 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 Michael J. Mueller.................................................................................Vice President Support Services 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 Todd J. Purdy ........................................................................ Assistant Vice President William D. Little ................................................................................ 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 John W. Mitchell .............................................................................. Operations Officer 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 Tom Short .............................................................................. Assistant Vice President 19 20 Arkansas State Bank Department COMPTROLLER OF THE CURRENCY Southwestern District Office 500 North Akard, Suite 1600 Dallas, Texas 75201-3342 VOICE: (214) 720-0656 FAX: (214) 720-7000 www.occ.treas.gov John A. Bodnar .......................................................................... Deputy Comptroller Randall Ryskamp ............................................................................ District Counsel Karen Bryant............................................................................... Licensing Manager Gene Ferner ...............................................................Assistant Deputy Comptroller For Midsize Banks Arkansas 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 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 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 Hoge..................................................................Assistant Deputy Comptroller Eighty-Seventh Report COMPTROLLER OF THE CURRENCY Southeastern District Office Marquis One Tower, Suite 600 245 Peachtree Center Avenue, N.E. Atlanta, Georgia 30303−1223 VOICE: (404) 659-8855 FAX: (404) 588-4532 Archie L. Bransford, Jr..................................................................Deputy Comptroller Brenda Curry ......................................................................................District Counsel William J. Abernathy, Jr................................................ Assistant Deputy Comptroller for Specialties/Operations Memphis Field Office Kimbrough Building 57 Germantown Court, Suite 309 Cordova, Tennessee 38018 VOICE: (901) 624-5154 FAX: (901) 624-5822 Paul E. Robertson ........................................................Assistant Deputy Comptroller Midwestern District Office 2345 Grand Boulevard, Suite 700 Kansas City, Missouri 64108-2683 VOICE: (816) 556-1800 FAX: (816) 556-1892 Jerilyn Gilland ..........................................................................Deputy Comptroller Leslie Linville................................................................................. District Counsel Ellen Shepherd ........................................................................ Licensing Manager David Baker ............................................................. Assistant Deputy Comptroller for Specialties/Operations Bobby Winstead....................................................... Assistant Deputy Comptroller for Mid-Size/Credit Card Banks Joplin Field Office Fountainside Plaza, Suite H 1710 East 32nd Street Joplin, Missouri 64804-4100 VOICE: (417) 781-7629 FAX: (417) 781-9724 Dan L. Gipple .............................................................Assistant Deputy Comptroller 21 22 Arkansas State Bank Department ARKANSAS BANKERS ASSOCIATION 1220 West Third Street Little Rock, Arkansas 72201 VOICE: (501) 376-3741 FAX: (501) 372-9243 www.arkbankers.org Ken D. Hammonds ...................................................................... Executive Director Bob L. Burns ...............................................................................................President Chief Executive Officer and President Farmers Bank and Trust Company, Magnolia Larry Kircher .............................................................................. First Vice President President and Chief Operating Officer Citizens State Bank, Bald Knob Robert V. Brothers................................................................Second Vice President President and Chief Executive Officer Arvest Bank, Rogers Denny Smith .............................................................................................. Treasurer Chairman and Chief Executive Officer First National Bank & Trust Company, Mountain Home YOUNG BANKERS SECTION OFFICERS Kendall Henry .............................................................................................President The Merchants and Planters Bank, Clarendon Gina Daniell ................................................................................First Vice President Elk Horn Bank and Trust Company, Arkadelphia Chris Welch........................................................................... Second Vice President The Bank of Fayetteville, N.A., Fayetteville Avona Kasselman...................................................................................... Secretary Simmons First Bank of Russellville, Russellville Craig Atwood ............................................................................................. Treasurer Simmons First National Bank, Pine Bluff Jay Barber..............................................................................Education Coordinator First Security Bank, Searcy Eighty-Seventh Report ARKANSAS COMMUNITY BANKERS ASSOCIATION P. O. Box 20210 Hot Springs, Arkansas 71903-0210 VOICE: (800) 771-1634 FAX: (501) 525-0637 E−Mail: richard@acbonline.org www.acbonline.org Richard G. Trammell ......................................................................Executive Director Michael F. Flynn ........................................................................................... President Community President, Western Region Simmons First National Bank, Pine Bluff Larry E. Bauer.......................................................................................Vice President Chief Executive Officer and President Planters & Merchants Bank, Gillett 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 23 Arkansas State Bank Department 24 CONSOLIDATED REPORT OF CONDITION OF THE 142 STATE CHARTERED COMMERCIAL BANKS (in millions) ASSETS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. JUNE 30, 2001 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ..................................$586 b. Interest-bearing balances ................................................................................207 Securities: a. Held-to-maturity securities............................................................................1,000 b. Available-for-sale securities..........................................................................3,049 Federal funds sold and securities purchased under agreements to resell................................................632 Loans and lease financing receivables: a. Loans and leases held for sale..........................................................................43 b. Loans and leases, net of unearned income ............................. 12,493 c. Less: Allowance for loan and lease losses ................................... 162 d. Loans and leases, net of unearned income and allowance...................... 12,331 Trading assets ................................................................................................................2 Premises and fixed assets .........................................................................................413 Other real estate owned...............................................................................................31 Investments in unconsolidated subsidiaries and associated companies.....................................................................................10 Customers liability to this bank on acceptances outstanding .........................................................................................0 Intangible assets a. Goodwill .............................................................................................................67 b. Other intangible assets......................................................................................31 Other assets ...............................................................................................................384 Total assets ........................................................................................................ $18,786 LIABILITIES 13. 14. 15. 16. 17. 18. 19. 20. 21. 22 Deposits: a. In domestic offices ................................................................................... $15,817 (1) Noninterest-bearing............................................................... 1,819 (2) Interest-bearing ................................................................... 13,998 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs .........................................................................................8 (1) Noninterest-bearing...................................................................... 0 (2) Interest-bearing ............................................................................ 8 Federal funds purchased and securities sold under agreements to repurchase.................................................243 Trading liabilities.............................................................................................................0 Other borrowed money ............................................................................................. 765 Not applicable Bank’s liability on acceptances executed and outstanding ...........................................0 Subordinated notes and debentures..............................................................................6 Other liabilities ............................................................................................................134 Total liabilities ....................................................................................................... 16,973 Minority interest in consolidated subsidiaries.................................................................0 EQUITY CAPITAL 23. 24. 25. 26. 27. 28. 29. Perpetual preferred stock and related surplus...............................................................3 Common stock .............................................................................................................56 Surplus........................................................................................................................711 a. Retained earnings .............................................................................................1,024 b. Accumulated other comprehensive income...........................................................19 Other equity capital components ...................................................................................0 Total equity capital...................................................................................................1,813 Total liabilities, minority interest and equity capital............................................ $18,786 Eighty-Seventh Report 25 CONSOLIDATED STATEMENT OF CONDITION OF THE 70 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 2001 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.....................................................................$3 b. Other Institutions...................................................................................................2 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions.................................................................. 101 b. Other Institutions.................................................................................................59 U.S. Government and Agency Obligations................................................................ 127 State, County and Municipal Obligations......................................................................78 Other Short-Term Obligations.........................................................................................2 Other Notes and Bonds.................................................................................................31 Money Market Funds ................................................................................................. 117 Other Mutual Funds.......................................................................................................57 Stocks......................................................................................................................... 195 Collective Investment Fund Units ...................................................................................1 Real Estate Mortgages....................................................................................................5 Real Estate ....................................................................................................................72 Miscellaneous Assets....................................................................................................25 Suspense Accounts ........................................................................................................0 Other ............................................................................................................................52 Total ....................................................................................................................... $927 LIABILITIES Personal Accounts: 17. Personal Trusts ........................................................................................................ $261 18. Estates & Guardianships.............................................................................................. 48 Employee Benefit Accounts: 19. Trusts.......................................................................................................................... 143 20. Agencies..................................................................................................................... 100 All Other Agencies: 21. Investment Mgmt & Advisory ........................................................................................69 22. Custodial..................................................................................................................... 144 23. All Other.........................................................................................................................34 Corporate and Municipal Securities Appointments: 24. Bond Trusteeships ..................................................................................................... 100 25. Agencies........................................................................................................................27 Collective Investment Funds: 26. Employee Benefits ..........................................................................................................1 27. Other ..............................................................................................................................0 28. Profit Accounts ................................................................................................................0 29. Suspense Accounts ........................................................................................................0 30. Total ....................................................................................................................... $927 Arkansas State Bank Department 26 CONSOLIDATED REPORT OF CONDITION OF THE 41 NATIONAL BANKS (in millions) ASSETS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. JUNE 30, 2001 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ..................................$355 b. Interest-bearing balances ..................................................................................84 Securities: a. Held-to-maturity securities...............................................................................501 b. Available-for-sale securities..........................................................................1,517 Federal funds sold and securities purchased under agreements to resell................................................319 Loans and lease financing receivables: a. Loans and leases held for sale..........................................................................31 b. Loans and leases, net of unearned income ............................... 4,822 c. Less: Allowance for loan and lease losses ..................................... 61 d. Loans and leases, net of unearned income and allowance.........................4,761 Trading assets ................................................................................................................0 Premises and fixed assets .........................................................................................150 Other real estate owned...............................................................................................15 Investments in unconsolidated subsidiaries and associated companies.......................................................................................1 Customers liability to this bank on acceptances outstanding .........................................................................................0 Intangible assets a. Goodwill .............................................................................................................32 b. Other intangible assets........................................................................................3 Other assets ...............................................................................................................161 Total assets .......................................................................................................... $7,930 LIABILITIES 13. 14. 15. 16. 17. 18. 19. 20. 21. 22 Deposits: a. In domestic offices ..................................................................................... $6,447 (1) Noninterest-bearing.................................................................. 987 (2) Interest-bearing ..................................................................... 5,460 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.................................................192 Trading liabilities.............................................................................................................0 Other borrowed money ............................................................................................. 373 Not applicable Bank’s liability on acceptances executed and outstanding ...........................................0 Subordinated notes and debentures..............................................................................0 Other liabilities ..............................................................................................................63 Total liabilities .........................................................................................................7, 075 Minority interest in consolidated subsidiaries.................................................................0 EQUITY CAPITAL 23. 24. 25. 26. 27. 28. 29. Perpetual preferred stock and related surplus...............................................................1 Common stock .............................................................................................................33 Surplus........................................................................................................................233 a. Retained earnings ................................................................................................580 b. Accumulated other comprehensive income.............................................................8 Other equity capital components ...................................................................................0 Total equity capital......................................................................................................855 Total liabilities, minority interest and equity capital.............................................. $7,930 Eighty-Seventh Report 27 TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2001 BANK CITY First National Bank of Altheimer Elk Horn Bank and Trust Company Summit Bank First National Bank of Sharp County The First National Bank The Bank of Augusta Citizens State Bank The Citizens Bank First Community Bank Bank of Bearden The Union Bank of Benton Arkansas National Bank Bank of Bentonville The First National Bank of Berryville Bank of Blevins Farmers Bank And Trust Company The First National Bank in Blytheville Citizens Bank The Bank of Bradley Bank of Brinkley Community Bank The First National Bank of Izard County First Bank of South Arkansas Bank of Cave City The Merchants and Planters Bank Farmers Bank and Trust Company First Community Bank First State Bank Corning Bank First National Bank of Crossett First State Bank Chambers Bank Bank of Dardanelle Decatur State Bank Bank of Delight The First National Bank of DeQueen First State Bank of DeQueen DeWitt Bank And Trust Company The First National Bank of DeWitt First National Bank of Howard County Altheimer Arkadelphia Arkadelphia Ash Flat Ashdown Augusta Bald Knob Batesville Batesville Bearden Benton Bentonville Bentonville Berryville Blevins Blytheville Blytheville Booneville Bradley Brinkley Cabot Calico Rock Camden Cave City Clarendon Clarksville Conway Conway Corning Crossett Crossett Danville Dardanelle Decatur Delight DeQueen DeQueen DeWitt DeWitt Dierks RATIO 19.14 8.30 10.63 7.83 11.41 13.36 10.69 6.70 7.56 21.92 7.88 7.29 5.83 14.11 12.12 10.73 11.89 8.08 10.60 13.85 7.41 19.86 7.96 9.30 11.80 8.82 7.99 12.92 15.54 8.05 8.92 9.55 8.54 12.01 15.43 17.71 11.05 15.52 10.52 16.27 28 Arkansas State Bank Department BANK CITY Merchants & Farmers Bank Simmons First Bank of Dumas First Financial Bank Simmons First Bank of El Dorado, N. A. Timberland Bank Bank of England The Eudora Bank Bank of Eureka Springs Bank of Evening Shade Bank of Arkansas, N. A. The Bank of Fayetteville, N. A. Community Bank of North Arkansas McIlroy Bank & Trust Fordyce Bank & Trust Company First National Bank of Eastern Arkansas Forrest City Bank, National Association Arvest Bank The First National Bank of Fort Smith Planters & Merchants Bank Arkansas Diamond Bank Bank of Gravett Sinclair National Bank The First National Bank in Green Forest First Service Bank Farmers Bank Farmers Bank Calhoun County Bank The Bank of Harrisburg Community First Bank The Cleburne County Bank Greers Ferry Lake State Bank Heber Springs State Bank First National Bank of Phillips County Helena National Bank The First National Bank of Hope Horatio State Bank Alliance Bank of Hot Springs First National Bank First State Bank Peoples Bank First Arkansas Bank & Trust American State Bank The Bank of Jonesboro Heritage Bank MidSouth Bank Simmons First Bank of Jonesboro Pine State Bank Dumas Dumas El Dorado El Dorado El Dorado England Eudora Eureka Springs Evening Shade Fayetteville Fayetteville Fayetteville Fayetteville Fordyce Forrest City Forrest City Fort Smith Fort Smith Gillett Glenwood Gravette Gravette Green Forest Greenbrier Greenwood Hamburg Hampton Harrisburg Harrison Heber Springs Heber Springs Heber Springs Helena Helena Hope Horatio Hot Springs Hot Springs Huntsville Imboden Jacksonville Jonesboro Jonesboro Jonesboro Jonesboro Jonesboro Kingsland RATIO 13.50 10.04 8.47 8.55 10.51 8.31 9.36 11.16 8.64 8.76 7.36 6.71 7.02 9.51 13.56 8.14 15.48 15.32 11.74 8.71 10.95 6.84 10.42 8.83 20.73 9.04 11.41 9.61 7.86 7.32 7.86 8.53 10.49 9.15 16.35 10.48 9.31 13.61 8.04 7.31 14.31 6.23 40.76 7.54 6.41 7.66 6.65 Eighty-Seventh Report 29 BANK CITY Madison Bank and Trust The Bank of Lake Village Simmons First Bank of South Arkansas Little River Bank The First National Bank of Lewisville Arkansas Bankers’ Bank Bank of Little Rock Bank of the Ozarks The Capital Bank Central Bank & Trust Eagle Bank & Trust Company Metropolitan National Bank One Bank and Trust, National Association Pinnacle Bank Pulaski Bank And Trust Company Bank of Lockesburg First State Bank Farmers Bank and Trust Company The Peoples Bank The Malvern National Bank Southern State Bank Bank of Mansfield First National Bank at Marianna First Community Bank of Eastern Arkansas First Delta Bank Marked Tree Bank Bank of McCrory The First National Bank of McGehee McGehee Bank First National Bank in Mena The Union Bank of Mena Commercial Bank & Trust Company Union Bank And Trust Company Petit Jean State Bank First Bank of Montgomery County First National Bank & Trust Company Peoples Bank And Trust Company TrustBanc Bank of Mountain View Bank of Mulberry Diamond State Bank Citizens National Bank of Nashville Merchants & Planters Bank National Bank of Arkansas in North Little Rock Twin City Bank Bank of Paragould First National Bank Kingston Lake Village Lake Village Lepanto Lewisville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Lockesburg Lonoke Magnolia Magnolia Malvern Malvern Mansfield Marianna Marion Marked Tree Marked Tree McCrory McGehee McGehee Mena Mena Monticello Monticello Morrilton Mount Ida Mountain Home Mountain Home Mountain Home Mountain View Mulberry Murfreesboro Nashville Newport North Little Rock North Little Rock Paragould Paragould RATIO 5.13 12.34 9.07 12.33 11.09 8.81 8.57 8.17 7.68 6.63 8.32 7.39 9.94 6.93 5.57 13.51 7.88 8.47 7.90 9.64 8.85 10.07 11.68 11.77 8.90 10.40 10.69 11.89 16.71 12.44 11.03 9.36 9.39 8.39 11.08 13.81 8.94 13.00 17.89 7.27 7.40 14.03 8.13 8.26 14.70 6.46 15.12 30 Arkansas State Bank Department BANK CITY Peoples Bank Southern Bank of Commerce The First National Bank at Paris Delta Trust & Bank First State Bank Chart Bank Piggott State Bank Pine Bluff National Bank Simmons First National Bank First State Bank Bank of Pocahontas The Peoples Bank Portland Bank The Farmers & Merchants Bank Bank of Prescott The Bank of Rison Arvest Bank Bank of Rogers Simmons First Bank of Northwest Arkansas First Arkansas Valley Bank River Valley Bank Simmons First Bank of Russellville Bank of Salem Logan County Bank First Security Bank Simmons First Bank of Searcy Peoples Bank Arkansas State Bank First Arvest Bank Smackover State Bank Riverside Bank The First National Bank of Springdale Springdale Bank and Trust Bodcaw Bank Bank of Star City The Stephens Security Bank The Farmers and Merchants Bank Century Bank - Arkansas Bank of Trumann Citizens Bank & Trust Company First Community Bank of Crawford County Bank of Waldron The First National Bank of Lawrence County First State Bank of Warren Warren Bank and Trust Company Fidelity National Bank Cross County Bank Paragould Paragould Paris Parkdale Parkin Perryville Piggott Pine Bluff Pine Bluff Plainview Pocahontas Portland Portland Prairie Grove Prescott Rison Rogers Rogers Rogers Russellville Russellville Russellville Salem Scranton Searcy Searcy Sheridan Siloam Springs Siloam Springs Smackover Sparkman Springdale Springdale Stamps Star City Stephens Stuttgart Texarkana Trumann Van Buren Van Buren Waldron Walnut Ridge Warren Warren West Memphis Wynne RATIO 5.68 13.72 8.42 12.59 4.75 6.95 8.79 7.65 7.39 6.84 8.28 18.21 6.70 6.90 10.65 12.28 7.49 7.77 6.61 7.35 7.01 13.60 9.07 16.37 7.43 8.08 14.04 21.71 6.43 10.19 6.28 9.87 7.61 15.61 9.83 10.08 13.17 16.68 12.77 10.97 14.47 15.14 12.73 9.98 14.67 7.15 9.21 Eighty-Seventh Report 31 BANK CITY The First National Bank of Wynne The Bank of Yellville Wynne Yellville RATIO 11.86 7.88 32 Arkansas State Bank Department NATIONAL BANKS JUNE 30, 2001 (000’s omitted) BANK CITY ASSETS 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 El Dorado, N. A. Bank of Arkansas, N. A. The Bank of Fayetteville, N. A. First National Bank of Eastern Arkansas Forrest City Bank, National Association The First National Bank of Fort Smith Sinclair National Bank 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 and 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 & 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 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 Gravette Green Forest Helena Helena Hope Hot Springs Lewisville Little Rock Little Rock Malvern Marianna McGehee Mena Mountain Home Nashville North Little Rock Paragould Paris Pine Bluff Pine Bluff Springdale Walnut Ridge West Memphis Wynne 12,150 212,062 74,921 468,293 125,929 189,328 112,067 126,232 110,097 85,653 43,468 161,292 138,312 198,405 209,948 77,154 631,780 29,792 227,251 137,640 124,231 126,425 114,917 26,420 638,892 200,955 300,250 51,903 42,732 118,561 265,080 46,029 115,801 294,571 87,799 201,066 1,017,946 358,970 90,070 166,640 169,083 REPORT OF THE ONE HUNDRED FORTY-TWO STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2001 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 CEO/Pres: I. Joe Miles VP/TO: Beth S. Marshall SVP: Gina Daniell Cash and Due from: ......................................7,116 Federal Funds and Repos:..........................11,215 Investments:................................................23,139 Total Loans: ................................................79,317 Premises and Fixed Assets: ..........................2,768 Other Real Estate:............................................241 Other Assets: ................................................2,900 Total Assets: ............................................. 126,696 Total Trust Assets: ...........................................935 Deposits:...................................................112,679 Federal Funds and Borrowings:.....................1,580 Other Liabilities: ...............................................862 Subordinated Debt: ..............................................0 Total Liabilities: .........................................115,121 Total Equity Capital and Reserves: .............11,575 Total Liabilities and Capital:.......................126,696 Number of Shares Outstanding: ..................24,000 Directors: Thomas B. Barksdale; James Blanton; W. H. Brandon, Jr.; Ronald Echols; James Harrington; Geneva Hunter; Rick Izor; Glen Jones; Mike Kolb; J. Hugh Lookadoo; Mary Jo Mann; I. Joe Miles; Veda Morgan; Roy N. Shope; Andy Westmoreland; William G. Wright Branches in Town: Two Other Branches: Bismarck, Caddo Valley Summit Bank Arkadelphia, AR VOICE: (870) 230-1100 FAX: (870) 230-8615 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 Bryant Pres/COO: Marcus J. McCain CFO: Christopher M. Wewers Cash and Due from: ....................................18,987 Federal Funds and Repos:............................1,650 Investments:................................................40,605 Total Loans: .............................................. 199,252 Premises and Fixed Assets: ..........................6,207 Other Real Estate:................................................0 Other Assets: ................................................4,400 Total Assets: ............................................. 271,101 Total Trust Assets: ...............................................0 Deposits:...................................................210,475 Federal Funds and Borrowings:...................29,763 Other Liabilities: ............................................1,409 Subordinated Debt: ..............................................0 Total Liabilities: .........................................241,647 Total Equity Capital and Reserves: .............29,454 Total Liabilities and Capital:.......................271,101 Number of Shares Outstanding: ....................3,100 Directors: Rodney Bobo; Elton Buck; Ben Elrod; Joe Keith; Steve Landers; Mike Lax; James McAdams; Marcus J. McCain; Ross M. Whipple; Joe Woodward Branches in Town: One Other Branches: Benton, Hope, Hot Springs (2), Magnolia, Malvern (2) Eighty-Seventh 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:...................................... 2,732 Federal Funds and Repos: ........................... 7,700 Investments: ............................................... 13,655 Total Loans:................................................ 17,877 Premises and Fixed Assets:............................. 307 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,525 Total Assets:............................................... 43,796 Total Trust Assets:........................................ 2,607 Deposits: .................................................... 37,410 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 369 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 37,779 Total Equity Capital and Reserves: ............... 6,017 Total Liabilities and Capital: ........................ 43,796 Number of Shares Outstanding:.................... 8,000 Directors: Franklin Collier; Steven Collier; W. P. Daniel; W. P. Daniel, Jr.; Charles P. 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: 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 Pres/CEO: Larry Kircher SVP/Cash: Peggy Reed Cash and Due from:...................................... 1,940 Federal Funds and Repos: ........................... 4,305 Investments: ............................................... 23,787 Total Loans:................................................ 26,292 Premises and Fixed Assets:............................. 724 Other Real Estate: ........................................... 324 Other Assets:................................................... 965 Total Assets:............................................... 58,337 Total Trust Assets:........................................ 2,514 Deposits: .................................................... 51,311 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 573 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 51,884 Total Equity Capital and Reserves: ............... 6,453 Total Liabilities and Capital: ........................ 58,337 Number of Shares Outstanding:.................... 4,000 Directors: Bob J. Clark; Larry Kircher; Molly Kircher; Juanita Litzelfelner; Wendell Nier; Dr. Bernard C. Smith Branches in Town: Two Other Branches: Bradford 36 Arkansas State Bank Department The Citizens Bank Batesville, AR VOICE: (870) 793-4441 FAX: (870) 698-6299 Population: 9,187 Third and College Streets Charter Number: 705 P. O. Box 2156 Date: February 19, 1953 72503-2156 County: Independence Home Page: www.thecitizensbank.net Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Citizens Bancshares of Batesville, Inc., Batesville, AR CEO/Pres: Woody Castleberry SVP: Jeff Mead SVP: Alan Bufford VP/TO: Robin Brock Cash and Due from: ....................................10,213 Federal Funds and Repos:............................2,595 Investments:................................................91,850 Total Loans: .............................................. 206,773 Premises and Fixed Assets: ..........................5,284 Other Real Estate:.........................................2,243 Other Assets: ................................................6,085 Total Assets: ............................................. 325,043 Total Trust Assets: ......................................60,695 Deposits:...................................................275,952 Federal Funds and Borrowings:...................22,092 Other Liabilities: ...............................................950 Subordinated Debt: ..............................................0 Total Liabilities: .........................................298,994 Total Equity Capital and Reserves: .............26,049 Total Liabilities and Capital:.......................325,043 Number of Shares Outstanding: ..................16,500 Directors: Woody Castleberry; Dr. Lackey G. Moody; Doyle W. Rogers; Noel K. Sims; Kay Southerland Branches in Town: Six Other Branches: Pleasant Plains First Community Bank Batesville, AR VOICE: (870) 612-3400 FAX: (870) 612-3470 Population: 9,187 710 St. Louis 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/Pres: Dale E. Cole SVP: Troy Henley EVP/COO: Boris A. Dover VP: Katy Smythe Cash and Due from: ......................................8,558 Federal Funds and Repos:............................1,970 Investments:................................................26,034 Total Loans: .............................................. 132,421 Premises and Fixed Assets: ..........................1,488 Other Real Estate:................................................0 Other Assets: ................................................2,395 Total Assets: ............................................. 172,866 Total Trust Assets: ...............................................0 Deposits:...................................................141,527 Federal Funds and Borrowings:...................16,896 Other Liabilities: ...............................................876 Subordinated Debt: ..............................................0 Total Liabilities: .........................................159,299 Total Equity Capital and Reserves: .............13,567 Total Liabilities and Capital:.......................172,866 Number of Shares Outstanding: ..................85,472 Directors: Don Buckliew; Dale E. Cole; Boris A. Dover; Preston W. Grace, III; Ray Lacroix; Dr. Charles McClain; George Rider; Bill Roussel; Frank Tripp; Sheila Wagnon Branches in Town: One Other Branches: Searcy Eighty-Seventh 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:...................................... 1,680 Federal Funds and Repos: ........................... 3,345 Investments: ................................................. 6,951 Total Loans:................................................ 17,684 Premises and Fixed Assets:............................... 66 Other Real Estate: ............................................... 0 Other Assets:................................................... 245 Total Assets:............................................... 29,971 Total Trust Assets:............................................... 0 Deposits: .................................................... 22,972 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 124 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 23,096 Total Equity Capital and Reserves: ............... 6,875 Total Liabilities and Capital: ........................ 29,971 Number of Shares Outstanding:.................... 8,300 Directors: John E. Anthony; Steven M. Anthony; O. D. Cathey; Rick Green; Kenneth D. Keeton; Ron Ramsay; Russell Weatherly; Betty Word Branches in Town: None Other Branches: None The Union Bank of Benton Benton, AR VOICE: (501) 315-0411 FAX: (501) 303-5433 Population: 18,177 207 West Conway Charter Number: 706 P. O. Box 687 Date: January 11, 1954 72018-0687 County: Saline Home Page: 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:.................................... 28,545 Federal Funds and Repos: ........................... 1,090 Investments: ............................................. 101,353 Total Loans:................................................ 96,046 Premises and Fixed Assets:.......................... 3,360 Other Real Estate: ........................................... 702 Other Assets:................................................ 4,038 Total Assets:............................................. 235,134 Total Trust Assets:........................................... 241 Deposits: .................................................. 171,830 Federal Funds and Borrowings: .................. 39,497 Other Liabilities: ............................................ 1,843 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 213,170 Total Equity Capital and Reserves: ............. 21,964 Total Liabilities and Capital: ...................... 235,134 Number of Shares Outstanding:.................. 72,940 Directors: Fred Briner; Greg B. Brown; Ike Carter, Jr.; Curtis Ferguson; Bud Finley; Bob Gregory; J. D. Harris; Susan Jester; Debra Keen; Gary Keeter; Ron Kuerner; I. E. McCray, Jr.; Larry Mitchell; Mark Vanderpool; John Young Branches in Town: Two Other Branches: Bryant (2), Hot Springs, Little Rock, Mabelvale 38 Arkansas State Bank Department Bank of Bentonville Bentonville, AR VOICE: (501) 273-3331 FAX: (501) 271-1315 Population: 11,257 201 N.E. A. Street Charter Number: 641 P. O. Box 1229 Date: February 25, 1931 72712-1229 County: Benton Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm: Jim C. Walton EVP: Tony Bornhoft CEO/Pres: David Short SVP/Cash: Marla England Cash and Due from: ....................................28,677 Federal Funds and Repos:..........................37,200 Investments:.............................................. 111,268 Total Loans: .............................................. 417,258 Premises and Fixed Assets: ..........................9,614 Other Real Estate:.........................................1,368 Other Assets: ..............................................14,560 Total Assets: ............................................. 619,945 Total Trust Assets: ...............................................0 Deposits:...................................................542,335 Federal Funds and Borrowings:...................23,616 Other Liabilities: ............................................4,498 Subordinated Debt: ..............................................0 Total Liabilities: .........................................570,449 Total Equity Capital and Reserves: .............49,496 Total Liabilities and Capital:.......................619,945 Number of Shares Outstanding: ..................78,400 Directors: Edward F. Adair; Neff Basore; Chuck Carmer; Phillip Fletcher; Horace Hardwick; Robert Holder; Nancy Leake; Tom McCoy; David Short; Jim C. Walton Branches in Town: Five Other Branches: Anderson, MO, Bella Vista (3), Centerton, Gravette, Noel, MO, Shell Knob, MO 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: .........................................470 Federal Funds and Repos:............................1,725 Investments:..................................................4,770 Total Loans: ..................................................8,009 Premises and Fixed Assets: .............................238 Other Real Estate:................................................0 Other Assets: ...................................................186 Total Assets: ...............................................15,398 Total Trust Assets: ...............................................0 Deposits:.....................................................13,334 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................100 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................13,434 Total Equity Capital and Reserves: ...............1,964 Total Liabilities and Capital:.........................15,398 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 Eighty-Seventh Report 39 Farmers Bank And Trust Company Blytheville, AR VOICE: (870) 763-8101 FAX: (870) 763-3500 Population: 22,906 400 West Main Charter Number: 253 P. O. Box 688 Date: March 16, 1908 72316-0688 County: Mississippi 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:.................................... 30,119 Federal Funds and Repos: .................................. 0 Investments: ............................................... 37,785 Total Loans:................................................ 94,702 Premises and Fixed Assets:.......................... 3,022 Other Real Estate: ............................................... 5 Other Assets:................................................ 3,260 Total Assets:............................................. 168,893 Total Trust Assets:...................................... 21,168 Deposits: .................................................. 137,224 Federal Funds and Borrowings: .................. 10,000 Other Liabilities: ............................................ 1,269 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 148,493 Total Equity Capital and Reserves: ............. 20,400 Total Liabilities and Capital: ...................... 168,893 Number of Shares Outstanding:.................. 40,000 Directors: Steve Bell; Paula O. Blackwell; Dale Briggs; Alvin Huffman, III; Herbert Jones; Gaylon M. Lawrence, Jr.; David Stone; Harold Sudbury, Jr. Branches in Town: Four Other Branches: None Citizens Bank Booneville, AR VOICE: (501) 675-2747 80 West Main Charter Number: 397 FAX: (501) 675-4477 P. O. Box 238 Date: April 18, 1910 Population: 3,804 72927-0238 County: Logan Home Page: www.citizensbankbooneville.com Trust Powers: Yes Bank Holding Company First Western Bancshares, Inc., Booneville, AR Chm/CEO: John T. Hampton COO: Nathan E. Gairhan, Jr. SVP/CFO: Lynne Coan COO: Shirley Young Cash and Due from:...................................... 4,300 Federal Funds and Repos: ........................... 2,330 Investments: ............................................... 30,293 Total Loans:.............................................. 119,857 Premises and Fixed Assets:.......................... 4,040 Other Real Estate: ........................................... 157 Other Assets:................................................ 7,202 Total Assets:............................................. 168,179 Total Trust Assets:........................................... 105 Deposits: .................................................. 142,586 Federal Funds and Borrowings: .................... 9,093 Other Liabilities: ............................................ 1,501 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 153,180 Total Equity Capital and Reserves: ............. 14,999 Total Liabilities and Capital: ...................... 168,179 Number of Shares Outstanding:................ 157,372 Directors: Paul Becton; Bob Crafton; Nathan E. Gairhan, Jr.; Jeral L. Hampton; John T. Hampton; Robert Harris; A. B. Littlefield, Jr.; Jack McHaney; Robert E. Remy; Jim Shearin; Howard Slinkard; Buddy Sparks; Lee Strickland; Dale Webster; Paul X. Williams; Shirley Young Branches in Town: Two Other Branches: Bella Vista, Magazine, Ratcliff, Rogers (2) 40 Arkansas State Bank Department The Bank of Bradley Bradley, AR VOICE: (870) 894-3322 FAX: (870) 894-3324 Population: 585 208 West Fourth Street P. O. Box 120 71826-0120 Trust Powers: No Bank Holding Company The Bradley Corporation, Bradley, AR Chm/CEO/Pres: Lane Pierce EVP: Billie Pierce Cash and Due from: .........................................883 Federal Funds and Repos:............................2,675 Investments:..................................................2,860 Total Loans: ..................................................7,639 Premises and Fixed Assets: .............................211 Other Real Estate:................................................0 Other Assets: ...................................................199 Total Assets: ...............................................14,467 Total Trust Assets: ...............................................0 Charter Number: 653 Date: April 10, 1933 County: Lafayette Deposits:.....................................................12,758 Federal Funds and Borrowings:............................0 Other Liabilities: .................................................84 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................12,842 Total Equity Capital and Reserves: ...............1,625 Total Liabilities and Capital:.........................14,467 Number of Shares Outstanding: ..................10,000 Directors: Gerald E. Crabtree; Billie Pierce; Lane Pierce Branches in Town: None Other Branches: None Bank of Brinkley Brinkley, AR 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: A. H. Rusher EVP: Terry Singleterry Pres: Gus Rusher VP/Cash: Bently Manatt Cash and Due from: ......................................3,039 Federal Funds and Repos:............................3,310 Investments:................................................51,255 Total Loans: ................................................39,117 Premises and Fixed Assets: .............................610 Other Real Estate:................................................0 Other Assets: ................................................2,442 Total Assets: ...............................................99,773 Total Trust Assets: ...............................................0 Deposits:.....................................................84,632 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................622 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................85,254 Total Equity Capital and Reserves: .............14,519 Total Liabilities and Capital:.........................99,773 Number of Shares Outstanding: ..................24,000 Directors: J. H. Carroll, Jr.; Steve Fowler; Doug Hunt; A. H. Rusher; Gus Rusher; Fred Schaefer Branches in Town: None Other Branches: None Eighty-Seventh Report 41 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 Home Page: www.communitybk.net Trust Powers: Yes Bank Holding Company Community Financial Group, Cabot, AR Chm: Gerald H. Shock EVP: Patrick J. Hagge CEO/Pres: Joseph W. Park TO: Jane Gunter Cash and Due from:.................................... 13,318 Federal Funds and Repos: .................................. 0 Investments: ............................................... 56,146 Total Loans:.............................................. 234,358 Premises and Fixed Assets:.......................... 7,833 Other Real Estate: ........................................... 787 Other Assets:................................................ 8,643 Total Assets:............................................. 321,085 Total Trust Assets:...................................... 21,977 Deposits: .................................................. 242,061 Federal Funds and Borrowings: .................. 47,614 Other Liabilities: ............................................ 3,517 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 293,192 Total Equity Capital and Reserves: ............. 27,893 Total Liabilities and Capital: ...................... 321,085 Number of Shares Outstanding:.................. 25,000 Directors: Dearl Dixon; Cathy Eoff-Tiratto; Patrick J. Hagge; Jerry Jones; Mark L. Magie; James Matthews; Joe W. Park; Joseph W. Park; Gerald H. Shock; William G. Thompson; Stephen P. Tipton; William E. Williams; Larry Wood; Joan Zumwalt Branches in Town: Four Other Branches: Beebe, Jacksonville (2), Sherwood, Ward 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:...................................... 3,337 Federal Funds and Repos: ........................... 5,885 Investments: ............................................... 10,368 Total Loans:................................................ 64,959 Premises and Fixed Assets:.......................... 2,609 Other Real Estate: ........................................... 179 Other Assets:................................................ 1,786 Total Assets:............................................... 89,123 Total Trust Assets:............................................... 0 Deposits: .................................................... 74,678 Federal Funds and Borrowings: .................... 5,364 Other Liabilities: ............................................... 457 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 80,499 Total Equity Capital and Reserves: ............... 8,624 Total Liabilities and Capital: ........................ 89,123 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 Arkansas State Bank Department 42 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: ......................................3,231 Federal Funds and Repos:............................1,435 Investments:................................................10,790 Total Loans: ................................................40,766 Premises and Fixed Assets: .............................662 Other Real Estate:............................................644 Other Assets: ................................................3,152 Total Assets: ...............................................60,680 Total Trust Assets: ........................................2,842 Deposits:.....................................................50,237 Federal Funds and Borrowings:.....................3,570 Other Liabilities: ...............................................721 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................54,528 Total Equity Capital and Reserves: ...............6,152 Total Liabilities and Capital:.........................60,680 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: None 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 CEO/Pres: J. Perry Lee Cash and Due from: .........................................731 Federal Funds and Repos:............................2,085 Investments:................................................15,148 Total Loans: ..................................................9,658 Premises and Fixed Assets: .............................514 Other Real Estate:................................................0 Other Assets: ...................................................414 Total Assets: ...............................................28,550 Total Trust Assets: ...............................................0 Charter Number: 21 Date: July 23, 1890 County: Monroe Deposits:.....................................................24,694 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................289 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................24,983 Total Equity Capital and Reserves: ...............3,567 Total Liabilities and Capital:.........................28,550 Number of Shares Outstanding: ....................5,660 Directors: Donald A. Davis; Rheta Griffith; J. Kendall Henry; B. J. Hopson; J. Perry Lee; J. Baxter Sharp, III Branches in Town: None Other Branches: None Eighty-Seventh Report 43 Farmers Bank and Trust Company Clarksville, AR VOICE: (501) 754-2020 FAX: (501) 754-3492 Population: 5,833 Chm/CEO: Cole Martin Pres/TO: Lee White 214 Main Street Charter Number: 737 P. O. Box 288 Date: July 6, 1978 72830-0288 County: Johnson Trust Powers: Yes Bank Holding Company First Security Bancorp, Searcy, AR SVP: Nina Mason VP/Cash: Rhonda Boen Cash and Due from:...................................... 3,239 Federal Funds and Repos: ......................... 10,570 Investments: ............................................... 57,898 Total Loans:................................................ 54,092 Premises and Fixed Assets:.......................... 1,369 Other Real Estate: ........................................... 116 Other Assets:................................................ 3,561 Total Assets:............................................. 130,845 Total Trust Assets:........................................ 2,392 Deposits: .................................................. 114,346 Federal Funds and Borrowings: .................... 1,400 Other Liabilities: ............................................... 773 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 116,519 Total Equity Capital and Reserves: ............. 14,326 Total Liabilities and Capital: ...................... 130,845 Number of Shares Outstanding:.................... 5,495 Directors: Herman Houston; Cole Martin; Steve Morgan; Dayne Phillips; Bill Porter; Reynie Rutledge; Lee White Branches in Town: Two Other Branches: Coal Hill First Community Bank Conway, AR VOICE: (501) 450-9800 FAX: (501) 450-1899 Population: 26,481 1001 Front Street Charter Number: 779 P. O. Box 938 Date: April 15, 1999 72033 County: Faulkner Home Page: www.firstcommunitybank.org Trust Powers: No Member of Federal Reserve System Bank Holding Company First Security Bancorp, Searcy, AR Chm: D. Richard Arnold EVP: Johnny Adams CEO/Pres: J. Mark Ferguson EVP: Mike Baldwin Cash and Due from:.................................... 15,489 Federal Funds and Repos: .................................. 0 Investments: ............................................... 49,632 Total Loans:.............................................. 142,939 Premises and Fixed Assets:.......................... 7,884 Other Real Estate: ............................................... 0 Other Assets:................................................ 5,535 Total Assets:............................................. 221,479 Total Trust Assets:............................................... 0 Deposits: .................................................. 193,281 Federal Funds and Borrowings: .................... 5,040 Other Liabilities: ............................................ 1,509 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 199,830 Total Equity Capital and Reserves: ............. 21,649 Total Liabilities and Capital: ...................... 221,479 Number of Shares Outstanding:.................. 54,000 Directors: D. Richard Arnold; Jack Bell; George E. Covington; Hal H. Crafton; J. Mark Ferguson; John H. Hawks, Jr.; Linda Linn; Robert B. Rook; Reynie Rutledge; Joe M. White Branches in Town: Five Other Branches: Greenbrier 44 Arkansas State Bank Department 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: www.fsbhome.com Trust Powers: No Bank Holding Company Home BancShares, Inc., Conway, AR Chm: John W. Allison VChm: Robert H. Adcock CEO/Pres: C. Randall Sims EVP: Randy Mayor Cash and Due from: ......................................8,587 Federal Funds and Repos:...............................720 Investments:................................................28,922 Total Loans: .............................................. 203,619 Premises and Fixed Assets: ..........................6,157 Other Real Estate:..............................................20 Other Assets: ................................................3,424 Total Assets: ............................................. 251,449 Total Trust Assets: ...............................................0 Deposits:...................................................205,300 Federal Funds and Borrowings:...................11,247 Other Liabilities: ............................................1,782 Subordinated Debt: ..............................................0 Total Liabilities: .........................................218,329 Total Equity Capital and Reserves: .............33,120 Total Liabilities and Capital:.......................251,449 Number of Shares Outstanding: ....................2,400 Directors: Robert H. Adcock; John W. Allison; William C. Brazil; Dale Burns; Jack Engelkes; William Farris, Jr.; Alex Lieblong; Randy Mayor; William R. Reynolds; C. Randall Sims Branches in Town: Four Other Branches: Holly Grove, Mayflower, Vilonia Corning Bank Corning, AR VOICE: (870) 857-3592 FAX: (870) 857-3309 Population: 3,323 501 West Second Charter Number: 745 P. O. Box 439 Date: June 15, 1984 72422-0439 County: Clay Trust Powers: No Bank Holding Company First Paragould Bankshares, Inc., Paragould, AR Chm: William E. Brewer VChm: Kelly G. Wright CEO/Pres: Donis Simpson EVP: William M. Allen Cash and Due from: ......................................1,824 Federal Funds and Repos:...................................0 Investments:................................................18,503 Total Loans: ................................................60,527 Premises and Fixed Assets: .............................666 Other Real Estate:................................................0 Other Assets: ................................................1,940 Total Assets: ...............................................83,460 Total Trust Assets: ...............................................0 Deposits:.....................................................68,716 Federal Funds and Borrowings:........................400 Other Liabilities: ...............................................610 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................69,726 Total Equity Capital and Reserves: .............13,734 Total Liabilities and Capital:.........................83,460 Number of Shares Outstanding: ..................10,000 Directors: William E. Brewer; Mike Ford; Dr. George A. Haynes; Roy McSpadden; J. T. Meriwether; Donis Simpson; Charles E. Williamson; Kelly G. Wright Branches in Town: One Other Branches: Knobel Eighty-Seventh Report 45 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: Kenneth Allbritton SVP: Jeanie Parker Cash and Due from:...................................... 2,301 Federal Funds and Repos: ........................... 4,155 Investments: ................................................. 3,364 Total Loans:................................................ 25,095 Premises and Fixed Assets:.......................... 2,000 Other Real Estate: ........................................... 168 Other Assets:................................................... 858 Total Assets:............................................... 37,941 Total Trust Assets:............................................... 0 Deposits: .................................................... 33,672 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 588 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 34,260 Total Equity Capital and Reserves: ............... 3,681 Total Liabilities and Capital: ........................ 37,941 Number of Shares Outstanding:................ 100,000 Directors: Richard E. Griffin; Robert E. Griffin; Larry W. Johnson; Marolyn Lloyd; H. D. Stephens, Sr.; Henry Thomas Branches in Town: Three Other Branches: None Chambers Bank Danville, AR VOICE: (501) 495-2236 FAX: (501) 495-4650 Population: 1,585 901 Main Charter Number: 615 P. O. Box 609 Date: October 3, 1930 72833-0609 County: Yell Trust Powers: Yes Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm/CEO: John Ed Chambers, III SVP: Zelta Bell Pres: Edward J. Taylor SVP: Vickie Rounsaville Cash and Due from:...................................... 6,880 Federal Funds and Repos: ........................... 6,180 Investments: ............................................... 51,338 Total Loans:.............................................. 266,302 Premises and Fixed Assets:.......................... 5,556 Other Real Estate: ........................................... 172 Other Assets:................................................ 5,776 Total Assets:............................................. 342,204 Total Trust Assets:............................................... 0 Deposits: .................................................. 299,182 Federal Funds and Borrowings: .................... 5,000 Other Liabilities: ............................................ 1,884 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 306,066 Total Equity Capital and Reserves: ............. 36,138 Total Liabilities and Capital: ...................... 342,204 Number of Shares Outstanding:.................. 10,000 Directors: John Ed Chambers, III; Bill Donnell; Roy Hale; Fay Mathis; James C. Pledger; Edward J. Taylor; Robert Taylor Branches in Town: None Other Branches: Amity, Fort Smith, Havana, Hot Springs, Hot Springs Village, Kirby, Mansfield, Mena, Waldron 46 Arkansas State Bank Department Bank of Dardanelle Dardanelle, AR VOICE: (501) 229-3311 FAX: (501) 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 Pres: Ronald L. Taylor Cash: Janelle Parker Cash and Due from: ......................................5,565 Federal Funds and Repos:............................7,840 Investments:................................................15,357 Total Loans: ................................................88,314 Premises and Fixed Assets: ..........................4,058 Other Real Estate:............................................284 Other Assets: ................................................3,310 Total Assets: ............................................. 124,728 Total Trust Assets: ...............................................0 Deposits:...................................................108,508 Federal Funds and Borrowings:.....................3,000 Other Liabilities: ...............................................785 Subordinated Debt: ..............................................0 Total Liabilities: .........................................112,293 Total Equity Capital and Reserves: .............12,435 Total Liabilities and Capital:.......................124,728 Number of Shares Outstanding: ....................8,000 Directors: Thomas C. Berryhill; Bunny Bullock; Tom Ed Bullock; William R. Bullock; Fanny B. George; Dee Berryhill Longenbaugh; H. M. Orsburn; Ronald L. Taylor Branches in Town: One Other Branches: Atkins, Danville, Dover, Russellville (2) Decatur State Bank Decatur, AR VOICE: (501) 752-3281 FAX: (501) 752-8154 Population: 918 Hwy. 59 North Charter Number: 707 P. O. Box 38 Date: May 27, 1954 72722-0038 County: Benton Home Page: www.decaturstatebank.com Trust Powers: No Bank Holding Company Decatur Bancshares, Inc., Decatur, AR Chm: Lloyd E. Peterson Cash: Wanda Tormey CEO/Pres: Vernon L. Austin Cash and Due from: ......................................3,191 Federal Funds and Repos:...................................0 Investments:................................................18,668 Total Loans: ................................................98,193 Premises and Fixed Assets: ..........................2,473 Other Real Estate:............................................484 Other Assets: ................................................2,016 Total Assets: ............................................. 125,025 Total Trust Assets: ...............................................0 Deposits:...................................................106,842 Federal Funds and Borrowings:.....................2,000 Other Liabilities: ...............................................476 Subordinated Debt: ..............................................0 Total Liabilities: .........................................109,318 Total Equity Capital and Reserves: .............15,707 Total Liabilities and Capital:.......................125,025 Number of Shares Outstanding: ....................7,000 Directors: Vernon L. Austin; Larry D. Curran; Tom M. Edmiston; L. Victor Evans; Paul Galyean; Aaron Holcombe; Mark Londagin; Lloyd E. Peterson; Richard E. Wilmoth Branches in Town: None Other Branches: Gentry, Siloam Springs Eighty-Seventh Report 47 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 SVP: Larry May Cash and Due from:...................................... 5,210 Federal Funds and Repos: ......................... 10,465 Investments: ............................................... 16,497 Total Loans:................................................ 38,512 Premises and Fixed Assets:............................. 326 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,029 Total Assets:............................................... 72,039 Total Trust Assets:............................................... 0 Charter Number: 342 Date: June 16, 1911 County: Pike Deposits: .................................................... 59,803 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 565 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 60,368 Total Equity Capital and Reserves: ............. 11,671 Total Liabilities and Capital: ........................ 72,039 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 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 Pres/CEO: Gary L. Golden Cash: Barbara Kitchens EVP: Noel Bard Cash and Due from:...................................... 1,734 Federal Funds and Repos: .............................. 595 Investments: ................................................. 6,038 Total Loans:................................................ 20,556 Premises and Fixed Assets:.......................... 3,051 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,090 Total Assets:............................................... 33,064 Total Trust Assets:............................................... 0 Deposits: .................................................... 28,918 Federal Funds and Borrowings: ......................... 45 Other Liabilities: ............................................... 206 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 29,169 Total Equity Capital and Reserves: ............... 3,895 Total Liabilities and Capital: ........................ 33,064 Number of Shares Outstanding:.................. 76,000 Directors: Gary Bell; Julie Brown; Gary L. Golden; Lou Ellen Gray; R. S. Harris; Ron Moore; Edward Revels; Dennis Smiley; Don Stemple; Doug Suttle Branches in Town: One Other Branches: None 48 Arkansas State Bank Department DeWitt Bank And Trust Company DeWitt, AR VOICE: (870) 946-3531 FAX: (870) 946-2815 Population: 3,553 Second and Jefferson Streets P. O. Drawer 71 72042-0071 Trust Powers: Yes Bank Holding Company DBT Financial Corporation, DeWitt, AR CEO/Pres: Gary Hudson VP/TO: Dean Bell Cash and Due from: ......................................2,060 Federal Funds and Repos:............................1,000 Investments:................................................34,481 Total Loans: .............................................. 109,352 Premises and Fixed Assets: .............................494 Other Real Estate:..............................................40 Other Assets: ................................................3,656 Total Assets: ............................................. 151,083 Total Trust Assets: ......................................33,028 Charter Number: 605 Date: March 1, 1929 County: Arkansas Deposits:...................................................118,156 Federal Funds and Borrowings:.....................7,750 Other Liabilities: ............................................1,166 Subordinated Debt: ..............................................0 Total Liabilities: .........................................127,072 Total Equity Capital and Reserves: .............24,011 Total Liabilities and Capital:.......................151,083 Number of Shares Outstanding: ..................54,000 Directors: E. E. Denman; Donald Ray Dickson; Rebecca Ehrlicher; Alton R. Hampton; Wayne Hampton; Gary Hudson; 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 VP: Betty B. Trites CEO/Pres: J. Michael Jones TO: Glenda B. Owen Cash and Due from: ......................................2,672 Federal Funds and Repos:...............................835 Investments:................................................19,054 Total Loans: ................................................41,560 Premises and Fixed Assets: .............................993 Other Real Estate:................................................0 Other Assets: ................................................1,826 Total Assets: ...............................................66,940 Total Trust Assets: ......................................16,665 Deposits:.....................................................56,297 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................429 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................56,726 Total Equity Capital and Reserves: .............10,214 Total Liabilities and Capital:.........................66,940 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 Eighty-Seventh Report 49 Simmons First Bank of Dumas Dumas, AR VOICE: (870) 382-4204 FAX: (870) 382-2084 Population: 5,520 Hwy. 65 & 54 Charter Number: 729 P. O. Box 915 Date: January 11, 1974 71639-0915 County: Desha Trust Powers: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Dennis H. Ferguson VP/Cash: Gena Norris SVP: Terry Wood Cash and Due from:...................................... 1,522 Federal Funds and Repos: ........................... 1,315 Investments: ................................................. 9,053 Total Loans:................................................ 21,802 Premises and Fixed Assets:............................. 501 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,388 Total Assets:............................................... 35,581 Total Trust Assets:............................................... 0 Deposits: .................................................... 30,632 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 501 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 31,133 Total Equity Capital and Reserves: ............... 4,448 Total Liabilities and Capital: ........................ 35,581 Number of Shares Outstanding:.................. 30,000 Directors: Freddie Black; Kelly Farmer; Dennis H. Ferguson; A. O. French; Dr. Howard R. Harris; John Rogers; Guy P. Teeter; William F. Teeter; William A. West Branches in Town: None Other Branches: None 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 CEO: J. Stephen Cameron CFO: Melissa Jerry Pres: Rodney Landes COO: Jerry Bullard Cash and Due from:.................................... 30,292 Federal Funds and Repos: .................................. 0 Investments: ............................................... 28,932 Total Loans:.............................................. 203,922 Premises and Fixed Assets:.......................... 3,844 Other Real Estate: ........................................ 1,426 Other Assets:.............................................. 34,019 Total Assets:............................................. 302,435 Total Trust Assets:............................................... 0 Deposits: .................................................. 233,737 Federal Funds and Borrowings: .................. 38,782 Other Liabilities: ............................................ 2,685 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 275,204 Total Equity Capital and Reserves: ............. 27,231 Total Liabilities and Capital: ...................... 302,435 Number of Shares Outstanding:................ 597,417 Directors: Edwin B. Alderson, Jr.; Jerry Bullard; J. Stephen Cameron; Robert Merkle; John Milam; James M. Moore, Jr.; Dr. Robert M. Murfee; Jeffrey W. Nolan; William C. Nolan, Jr.; Gary Sewell; L. Knox White Branches in Town: Five Other Branches: Smackover 50 Arkansas State Bank Department Timberland Bank El Dorado, AR VOICE: (870) 862-5900 FAX: (870) 862-5432 Population: 23,146 Pres: Tandy Menefee SVP: Carolyn Beavers 2421 North West Avenue P. O. Box 7205 71730 Home Page: www.timberlandbank.net Trust Powers: No Bank Holding Company None SVP: Mark Turner Cash and Due from: ......................................1,027 Federal Funds and Repos:............................1,715 Investments:..................................................7,007 Total Loans: ................................................29,644 Premises and Fixed Assets: .............................998 Other Real Estate:................................................0 Other Assets: ...................................................593 Total Assets: ...............................................40,984 Total Trust Assets: ...............................................0 Charter Number: 785 Date: August 22, 2000 County: Union Deposits:.....................................................36,366 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................190 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................36,556 Total Equity Capital and Reserves: ...............4,428 Total Liabilities and Capital:.........................40,984 Number of Shares Outstanding: ................187,890 Directors: Rolan Brevard; Walter Felton; John Hays; John Lowery; Bob McBrayer; Tandy Menefee; Alan R. Morgan; Drew Sheppard Branches in Town: None Other Branches: None 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: Otha E. Frizzell EVP: Hanna B. Canada VP: Bobby Montgomery Cash and Due from: ......................................2,130 Federal Funds and Repos:............................1,025 Investments:..................................................9,312 Total Loans: ................................................52,339 Premises and Fixed Assets: ..........................1,608 Other Real Estate:............................................135 Other Assets: ................................................3,104 Total Assets: ...............................................69,653 Total Trust Assets: ...............................................0 Deposits:.....................................................55,870 Federal Funds and Borrowings:.....................7,000 Other Liabilities: ...............................................632 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................63,502 Total Equity Capital and Reserves: ...............6,151 Total Liabilities and Capital:.........................69,653 Number of Shares Outstanding: ..................10,000 Directors: Neal Anderson; Brad Canada; Gary Canada; Hanna B. Canada; Samuel C. Cobb; Otha E. Frizzell; Leon Hill Branches in Town: None Other Branches: Lonoke, Scott Eighty-Seventh Report 51 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., Oak Grove, LA Chm: Charles F. Poole EVP: Julie Petty CEO/Pres: Gene Keith Cash and Due from:...................................... 1,024 Federal Funds and Repos: .................................. 0 Investments: ............................................... 11,090 Total Loans:................................................ 15,126 Premises and Fixed Assets:............................. 224 Other Real Estate: ........................................... 123 Other Assets:................................................... 531 Total Assets:............................................... 28,118 Total Trust Assets:............................................... 0 Deposits: .................................................... 24,543 Federal Funds and Borrowings: ....................... 660 Other Liabilities: ............................................... 191 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 25,394 Total Equity Capital and Reserves: ............... 2,724 Total Liabilities and Capital: ........................ 28,118 Number of Shares Outstanding:.................. 14,000 Directors: Kay Avery; Robert D. Avery; Fred W. Hensley; Roger Hensley; Gene Keith; Charles F. Poole; W. R. Selman Branches in Town: None Other Branches: None Bank of Eureka Springs Eureka Springs, AR VOICE: (501) 253-8241 FAX: (501) 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/Pres: John F. Cross Cash: Reba Pyatt EVP: Charles T. Cross Cash and Due from:...................................... 2,742 Federal Funds and Repos: ........................... 4,390 Investments: ............................................... 18,725 Total Loans:................................................ 50,945 Premises and Fixed Assets:.......................... 2,017 Other Real Estate: ........................................... 781 Other Assets:................................................ 1,479 Total Assets:............................................... 81,079 Total Trust Assets:............................................... 0 Deposits: .................................................... 66,690 Federal Funds and Borrowings: .................... 4,460 Other Liabilities: ............................................... 419 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 71,569 Total Equity Capital and Reserves: ............... 9,510 Total Liabilities and Capital: ........................ 81,079 Number of Shares Outstanding:.................... 4,000 Directors: James D. Bird; Gene Bland; A. J. Clark; Charles T. Cross; Claude C. Cross; John F. Cross; Ruth F. Cross; Lewis E. Epley, Jr.; William E. Goff; Rex A. Gustin; Dorothy F. Mathews; Michael Mathews; Archie B. Ryan, Jr.; Randy Wolfinbarger Branches in Town: Three Other Branches: None Arkansas State Bank Department 52 Bank of Evening Shade Evening Shade, AR VOICE: (870) 266-3215 FAX: (870) 266-3514 Population: 328 Hwy 167 South Charter Number: 69 P. O. Box 130 Date: February 5, 1901 72532-0130 County: Sharp Trust Powers: No Bank Holding Company Sharp Bancshares, Inc., Cave City, AR Chm/CEO/Pres: A. L. Hoaney SVP/Cash: Frances M. Estes VChm: Samuel F. Beller VP: Frances M. Esteb Cash and Due from: ......................................1,117 Federal Funds and Repos:............................1,095 Investments:..................................................3,476 Total Loans: ..................................................8,337 Premises and Fixed Assets: ...............................53 Other Real Estate:..............................................53 Other Assets: ...................................................627 Total Assets: ...............................................14,758 Total Trust Assets: ...............................................0 Deposits:.....................................................13,242 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................123 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................13,365 Total Equity Capital and Reserves: ...............1,393 Total Liabilities and Capital:.........................14,758 Number of Shares Outstanding: ....................6,200 Directors: Samuel F. Beller; Dennis Esteb; A. L. Hoaney; Margie Pettersen; Bruce Street; Scott Street Branches in Town: None Other Branches: None Community Bank of North Arkansas Fayetteville, AR VOICE: (501) 973-2265 FAX: (501) 973-2201 Population: 42,099 Charter Number: 377 1685 East Joyce Blvd. Date: June 1, 1912 72703 County: Washington Trust Powers: No Bank Holding Company Community Investment, Inc., Fayetteville, AR CEO: Robert Y. Taylor SVP: Bob Harrison EVP: P. Doug Lynch Cash: Regina Brandfas Cash and Due from: ......................................4,395 Federal Funds and Repos:............................1,345 Investments:................................................27,613 Total Loans: .............................................. 161,595 Premises and Fixed Assets: ..........................4,561 Other Real Estate:............................................650 Other Assets: ..............................................10,138 Total Assets: ............................................. 210,297 Total Trust Assets: ...............................................0 Deposits:...................................................163,807 Federal Funds and Borrowings:...................25,000 Other Liabilities: ...............................................729 Subordinated Debt: ..............................................0 Total Liabilities: .........................................189,536 Total Equity Capital and Reserves: .............20,761 Total Liabilities and Capital:.......................210,297 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) Eighty-Seventh Report 53 McIlroy Bank & Trust Fayetteville, AR VOICE: (501) 575-1000 FAX: (501) 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 Bank Group, Inc., Bentonville, AR Chm: Jim C. Walton EVP: Howard Hamilton CEO/Pres: Gary R. Head EVP: Marilyn Hendricks Cash and Due from:.................................... 38,382 Federal Funds and Repos: .................................. 0 Investments: ............................................... 49,311 Total Loans:.............................................. 376,711 Premises and Fixed Assets:.......................... 9,698 Other Real Estate: ........................................... 426 Other Assets:................................................ 8,869 Total Assets:............................................. 483,397 Total Trust Assets:............................................... 0 Deposits: .................................................. 362,354 Federal Funds and Borrowings: .................. 77,584 Other Liabilities: ............................................ 3,590 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 443,528 Total Equity Capital and Reserves: ............. 39,869 Total Liabilities and Capital: ...................... 483,397 Number of Shares Outstanding:................ 350,692 Directors: Larry Bittle; Oma Blackwell; Carl Collier; Bob Gaddy; Millard Goff; Fred Hanna; Gary R. Head; Ann Henry; Neal Pendergraft; Paul Pinneo; Charles F. Scharlau; Fred S. Vorsanger; Jim C. Walton; Doyle Williams Branches in Town: Seven Other Branches: None Fordyce Bank & Trust Company Fordyce, AR VOICE: (870) 352-3107 FAX: (870) 352-5202 Population: 4,729 Charter Number: 631 200 W. Fourth Street Date: January 5, 1931 71742-2202 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:...................................... 1,872 Federal Funds and Repos: ........................... 2,915 Investments: ............................................... 13,910 Total Loans:................................................ 37,535 Premises and Fixed Assets:.......................... 1,508 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,740 Total Assets:............................................... 59,480 Total Trust Assets:........................................... 923 Deposits: .................................................... 52,651 Federal Funds and Borrowings: ....................... 269 Other Liabilities: ............................................... 435 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 53,355 Total Equity Capital and Reserves: ............... 6,125 Total Liabilities and Capital: ........................ 59,480 Number of Shares Outstanding:.................... 8,000 Directors: Joe D. Barnes; Suzette Crutchfield; J. W. Hearnsberger; James V. Hulse, Jr.; Melvin Jackson; Roy McClain; Thomas E. Sparks; John Summers; Charles B. Trussell Branches in Town: Two Other Branches: Rison 54 Arkansas State Bank Department Arvest Bank Fort Smith, AR VOICE: (501) 709-8812 FAX: (501) 709-8850 Population: 72,798 Pres: John Womack EVP: Craig Rivaldo 3200 Rogers Avenue Charter Number: 782 P. O. Box 11110 Date: February 17, 2000 72917 County: Sebastian Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR SVP: Chad Evans Cash and Due from: ......................................1,927 Federal Funds and Repos:............................6,025 Investments:..................................................7,063 Total Loans: ................................................37,058 Premises and Fixed Assets: ..........................4,684 Other Real Estate:................................................0 Other Assets: ...................................................823 Total Assets: ...............................................57,580 Total Trust Assets: ...............................................0 Deposits:.....................................................47,588 Federal Funds and Borrowings:........................489 Other Liabilities: ...............................................379 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................48,456 Total Equity Capital and Reserves: ...............9,124 Total Liabilities and Capital:.........................57,580 Number of Shares Outstanding: ..................12,000 Directors: Robert P. Cooper; Tracey S. Geren; Mark B. Rumsey; Sandra D. Sanders; Burt Stacy; John Womack Branches in Town: Two Other Branches: Van Buren 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: .........................................992 Federal Funds and Repos:............................2,835 Investments:..................................................5,615 Total Loans: ................................................17,536 Premises and Fixed Assets: .............................154 Other Real Estate:..............................................66 Other Assets: ................................................1,215 Total Assets: ...............................................28,413 Total Trust Assets: ........................................1,119 Deposits:.....................................................24,682 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................217 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................24,899 Total Equity Capital and Reserves: ...............3,514 Total Liabilities and Capital:.........................28,413 Number of Shares Outstanding: ..................12,000 Directors: Larry E. Bauer; Johnny Holzhauer; Scott Place; Darrall Richter; Larry Smith; Bobby Turner; Frank C. Wolfe Branches in Town: None Other Branches: None Eighty-Seventh Report 55 Arkansas Diamond Bank Glenwood, AR VOICE: (870) 356-2121 FAX: (870) 356-2211 Population: 1,354 Broadway & Pulliam Charter Number: 398 P. O. Box 800 Date: December 27, 1912 71943-0800 County: Pike 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:...................................... 3,647 Federal Funds and Repos: ........................... 3,635 Investments: ............................................... 18,155 Total Loans:................................................ 66,092 Premises and Fixed Assets:.......................... 2,931 Other Real Estate: ............................................... 0 Other Assets:................................................ 2,151 Total Assets:............................................... 96,611 Total Trust Assets:............................................... 0 Deposits: .................................................... 85,911 Federal Funds and Borrowings: .................... 1,177 Other Liabilities: ............................................... 435 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 87,523 Total Equity Capital and Reserves: ............... 9,088 Total Liabilities and Capital: ........................ 96,611 Number of Shares Outstanding:.................. 44,000 Directors: Evea J. Bainum; Mark Bainum; Timothy E. Bainum; Richard Cox; Larry Mitchell; Harold A. Smith; Phillip Smith; L. J. Warneke Branches in Town: One Other Branches: Hot Springs, Mena, Mount Ida Bank of Gravett Gravette, AR VOICE: (501) 787-5251 FAX: (501) 787-6102 Population: 1,412 CEO/Pres: John R. Meade EVP: David N. Wills 211 East Main Charter Number: 46 P. O. Box 149 Date: February 28, 1898 72736-0149 County: Benton Trust Powers: No Bank Holding Company None VP: Jim Allen Edmonson Cash and Due from:...................................... 3,147 Federal Funds and Repos: ......................... 20,205 Investments: ............................................... 52,621 Total Loans:................................................ 89,534 Premises and Fixed Assets:.......................... 1,507 Other Real Estate: ............................................. 34 Other Assets:................................................ 2,344 Total Assets:............................................. 169,392 Total Trust Assets:............................................... 0 Deposits: .................................................. 149,374 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 500 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 149,874 Total Equity Capital and Reserves: ............. 19,518 Total Liabilities and Capital: ...................... 169,392 Number of Shares Outstanding:.................... 4,000 Directors: George Cowgur; Albert Dunagin; Jim Allen Edmonson; George Haley; John R. Meade; David N. Wills Branches in Town: One Other Branches: Hiwasse 56 Arkansas State Bank Department First Service Bank Greenbrier, AR VOICE: (501) 679-7300 FAX: (501) 679-6461 Population: 2,130 134 South Broadview Charter Number: 732 P. O. Box 430 Date: October 15, 1976 72058-0430 County: Faulkner Trust Powers: No Bank Holding Company First Service Bancshares, Inc., Dermott, AR Chm: Daniel C. Horton SVP: Marilyn Battles CEO/Pres: Tom H. Grumbles Cash and Due from: ......................................2,776 Federal Funds and Repos:............................2,460 Investments:................................................12,755 Total Loans: ................................................59,147 Premises and Fixed Assets: ..........................3,116 Other Real Estate:............................................122 Other Assets: ................................................1,678 Total Assets: ...............................................82,054 Total Trust Assets: ...............................................0 Deposits:.....................................................73,099 Federal Funds and Borrowings:........................673 Other Liabilities: ...............................................699 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................74,471 Total Equity Capital and Reserves: ...............7,583 Total Liabilities and Capital:.........................82,054 Number of Shares Outstanding: ..................15,000 Directors: James Beavers; Paul Bone; Dr. Gary Bowman; Melton Cotton; Tom H. Grumbles; Jim Hawks; Dr. Kyle D. Hensley; Daniel C. Horton; Dois Johnson; Jerry Kimbrough; Veda McCaslin; Larry Oaks Branches in Town: None Other Branches: Clinton (2), Dermott, Shirley Farmers Bank Greenwood, AR VOICE: (501) 996-4171 FAX: (501) 996-6700 Population: 3,984 125 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: ......................................4,425 Federal Funds and Repos:............................5,475 Investments:................................................51,486 Total Loans: ................................................74,543 Premises and Fixed Assets: ..........................4,395 Other Real Estate:.........................................3,052 Other Assets: ................................................2,159 Total Assets: ............................................. 145,535 Total Trust Assets: ........................................1,212 Deposits:...................................................113,667 Federal Funds and Borrowings:........................423 Other Liabilities: ...............................................759 Subordinated Debt: ..............................................0 Total Liabilities: .........................................114,849 Total Equity Capital and Reserves: .............30,686 Total Liabilities and Capital:.......................145,535 Number of Shares Outstanding: ....................7,500 Directors: Tresa Lowe; Edward Wilkinson; Elizabeth Wilkinson; Norman Wilkinson; Stanhope Wilkinson Branches in Town: Two Other Branches: Bonanza, Fort Smith (2), Hackett, Hartford Eighty-Seventh Report 57 Farmers Bank Hamburg, AR VOICE: (870) 853-5222 FAX: (870) 853-2333 Population: 3,098 CEO/Pres: Gene Crawford EVP: 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:...................................... 9,491 Federal Funds and Repos: .............................. 380 Investments: ................................................. 5,827 Total Loans:................................................ 32,728 Premises and Fixed Assets:............................. 875 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,006 Total Assets:............................................... 50,307 Total Trust Assets:............................................... 0 Deposits: .................................................... 45,118 Federal Funds and Borrowings: ......................... 90 Other Liabilities: ............................................... 277 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 45,485 Total Equity Capital and Reserves: ............... 4,822 Total Liabilities and Capital: ........................ 50,307 Number of Shares Outstanding:.................. 22,260 Directors: Phil Barnes; Jimmy Clark; William Foote; Nancy Foote Spivey; William E. Johnson; Jack Shell; John W. Spivey; John William Spivey; Bobby Witherington Branches in Town: None Other Branches: Crossett Calhoun County Bank Hampton, AR VOICE: (870) 798-2207 FAX: (870) 798-4830 Population: 1,562 205 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: Searcy W. Harrell, Jr. EVP: Shirley Jones Pres: B. Dickson Neal VP: Danny D. Harrell Cash and Due from:...................................... 2,490 Federal Funds and Repos: ........................... 3,135 Investments: ................................................. 9,505 Total Loans:................................................ 27,541 Premises and Fixed Assets:............................. 207 Other Real Estate: ............................................... 6 Other Assets:................................................... 684 Total Assets:............................................... 43,568 Total Trust Assets:............................................... 0 Deposits: .................................................... 36,967 Federal Funds and Borrowings: .................... 1,108 Other Liabilities: ............................................... 243 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 38,318 Total Equity Capital and Reserves: ............... 5,250 Total Liabilities and Capital: ........................ 43,568 Number of Shares Outstanding:.................... 4,000 Directors: L. D. Becton, III; Gene Dereuisseaux; Phillip J. Foster; Jonathan W. Harrell; Len Harrell; Searcy W. Harrell, Jr.; B. Dickson Neal; Richard L. Smith; Jannette H. Strickland; D. W. Wells; H. M. Welsh Branches in Town: None Other Branches: None 58 Arkansas State Bank Department The Bank of Harrisburg Harrisburg, AR VOICE: (870) 578-2472 FAX: (870) 578-2049 Population: 1,943 Charter Number: 620 201 East Jackson Date: December 2, 1930 72432-0017 County: Poinsett Trust Powers: No Bank Holding Company Lake Hamilton Enterprises, Inc., Little Rock, AR Chm: Jim Tom Butler VP/Cash: Donald Britnell CEO/Pres: James Williams Cash and Due from: ......................................1,804 Federal Funds and Repos:............................3,485 Investments:................................................26,469 Total Loans: ................................................38,914 Premises and Fixed Assets: .............................389 Other Real Estate:................................................0 Other Assets: ................................................1,350 Total Assets: ...............................................72,411 Total Trust Assets: ...............................................0 Deposits:.....................................................64,582 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................415 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................64,997 Total Equity Capital and Reserves: ...............7,414 Total Liabilities and Capital:.........................72,411 Number of Shares Outstanding: ....................4,000 Directors: Donald Britnell; Anna Margaret Butler; Connie Butler; Jim Tom Butler; Patricia Butler; Elizabeth B. Eaton; Paul D. Eaton; John M. Henry; James Williams Branches in Town: None Other Branches: None 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: ......................................4,004 Federal Funds and Repos:..........................12,570 Investments:................................................10,802 Total Loans: .............................................. 150,925 Premises and Fixed Assets: ..........................4,896 Other Real Estate:............................................196 Other Assets: ................................................2,400 Total Assets: ............................................. 185,793 Total Trust Assets: ...............................................0 Deposits:...................................................163,849 Federal Funds and Borrowings:.....................5,086 Other Liabilities: ............................................1,290 Subordinated Debt: ..............................................0 Total Liabilities: .........................................170,225 Total Equity Capital and Reserves: .............15,568 Total Liabilities and Capital:.......................185,793 Number of Shares Outstanding: ..................60,000 Directors: Joe Bennett; Dan R. Bowers; John O. Campbell; J. Kirkwood Dupps; L. Eugene Durand; Leota Edwards; William King Gladden; Jim Harp; Richard Hudson; Jim Judy; Jerry Maland; Meredith Miller; David Morton; James Nelson; Jim Sprott Branches in Town: One Other Branches: Berryville, Eureka Springs Eighty-Seventh Report 59 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:...................................... 4,656 Federal Funds and Repos: ......................... 10,065 Investments: ............................................... 84,274 Total Loans:.............................................. 105,268 Premises and Fixed Assets:.......................... 2,130 Other Real Estate: ........................................... 250 Other Assets:................................................ 6,120 Total Assets:............................................. 212,763 Total Trust Assets:............................................... 0 Deposits: .................................................. 182,921 Federal Funds and Borrowings: .................... 9,786 Other Liabilities: ............................................ 1,184 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 193,891 Total Equity Capital and Reserves: ............. 18,872 Total Liabilities and Capital: ...................... 212,763 Number of Shares Outstanding:.................... 1,200 Directors: Walter Aldridge; Anna Margaret Butler; Connie Butler; Jim Tom Butler; Patricia Butler; Beth Eaton; Paul D. Eaton; John M. Henry; Richie Lee; Wetzel Stark Branches in Town: Two Other Branches: Center Ridge, Concord, Damascus, Greenbrier, Greers Ferry, Guy, Marshall, Pangburn, Quitman 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: www.gflsb.com Trust Powers: No Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/CEO/Pres: Jim S. Gowen, Sr. EVP/COO: Jim S. Gowen, Jr. EVP: Gary Yow VP: Wendell Cassell Cash and Due from:...................................... 2,069 Federal Funds and Repos: ........................... 2,385 Investments: ............................................... 11,590 Total Loans:................................................ 35,537 Premises and Fixed Assets:.......................... 1,102 Other Real Estate: ........................................... 151 Other Assets:................................................ 1,674 Total Assets:............................................... 54,508 Total Trust Assets:............................................... 0 Deposits: .................................................... 44,805 Federal Funds and Borrowings: .................... 4,703 Other Liabilities: ............................................... 342 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 49,850 Total Equity Capital and Reserves: ............... 4,658 Total Liabilities and Capital: ........................ 54,508 Number of Shares Outstanding:.................. 60,000 Directors: Morris 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 60 Arkansas State Bank Department Heber Springs State Bank Heber Springs, AR VOICE: (501) 362-5821 FAX: (501) 362-7491 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: ......................................4,477 Federal Funds and Repos:............................3,460 Investments:................................................27,383 Total Loans: ................................................61,335 Premises and Fixed Assets: ..........................5,960 Other Real Estate:..............................................35 Other Assets: ................................................1,504 Total Assets: ............................................. 104,154 Total Trust Assets: ...............................................0 Deposits:.....................................................89,042 Federal Funds and Borrowings:.....................5,000 Other Liabilities: ...............................................535 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................94,577 Total Equity Capital and Reserves: ...............9,577 Total Liabilities and Capital:.......................104,154 Number of Shares Outstanding: ..................17,656 Directors: Stanley Hastings; Harry L. Hastings, Jr.; Bill G. Lynch; Catherine H. Owen Branches in Town: One Other Branches: Drasco, Fairfield Bay, Greers Ferry, Quitman, Rose Bud, Vilonia 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: C. E. Hendrix, Jr. SVP: Edith H. Smith EVP: Carl E. Hendrix, III SVP: Wilburn Smith Cash and Due from: ......................................7,718 Federal Funds and Repos:............................5,665 Investments:..................................................9,923 Total Loans: ................................................37,054 Premises and Fixed Assets: .............................712 Other Real Estate:................................................0 Other Assets: ...................................................692 Total Assets: ...............................................61,764 Total Trust Assets: ...............................................0 Deposits:.....................................................54,774 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................194 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................54,968 Total Equity Capital and Reserves: ...............6,796 Total Liabilities and Capital:.........................61,764 Number of Shares Outstanding: ....................2,000 Directors: Margaret S. Griffin; C. E. Hendrix, Jr.; Carl E. Hendrix, III; Lilla S. Hendrix; Loy Poag; Edith H. Smith; Wilburn Smith; Todd B. Trimble Branches in Town: None Other Branches: None Eighty-Seventh Report 61 Alliance Bank of Hot Springs Hot Springs, AR VOICE: (501) 318-1000 FAX: (501) 318-1015 Population: 32,462 100 Werner Drive Charter Number: 769 P. O. Box 22000 Date: April 17, 1997 71903 County: Garland Home Page: www.alliancebankhs.com Trust Powers: Yes Bank Holding Company Alliance Bancorporation, Inc., Hot Springs, AR CEO: David L. Bartlett SVP: Ronnie Twyford SVP: Steven Trusty Cash and Due from:...................................... 3,979 Federal Funds and Repos: ........................... 3,055 Investments: ............................................... 28,426 Total Loans:................................................ 53,923 Premises and Fixed Assets:.......................... 1,665 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,152 Total Assets:............................................... 92,200 Total Trust Assets:............................................... 0 Deposits: .................................................... 74,142 Federal Funds and Borrowings: .................... 8,442 Other Liabilities: ............................................... 405 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 82,989 Total Equity Capital and Reserves: ............... 9,211 Total Liabilities and Capital: ........................ 92,200 Number of Shares Outstanding:.................. 29,264 Directors: David L. Bartlett; Stuart A. Fleischner; Louis Kleinman; James Newman; John Selig; Sam A. Stathakis, Jr.; Sara Stough Branches in Town: Three Other Branches: None First State Bank Huntsville, AR VOICE: (501) 738-2147 FAX: (501) 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., Huntsville, AR Chm: Sam Mathias VP: Bessie Mathias CEO/Pres: Tom Mathias VP/Cash: Paul Mathias Cash and Due from:...................................... 2,505 Federal Funds and Repos: ........................... 1,690 Investments: ............................................... 14,195 Total Loans:................................................ 43,034 Premises and Fixed Assets:.......................... 1,259 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,868 Total Assets:............................................... 64,551 Total Trust Assets:............................................... 0 Deposits: .................................................... 55,308 Federal Funds and Borrowings: .................... 3,500 Other Liabilities: ............................................... 321 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 59,129 Total Equity Capital and Reserves: ............... 5,422 Total Liabilities and Capital: ........................ 64,551 Number of Shares Outstanding:.................. 27,000 Directors: Bessie Mathias; Sam Mathias; Tom Mathias; Phil Thompson Branches in Town: None Other Branches: Fayetteville 62 Arkansas State Bank Department Peoples Bank Imboden, AR VOICE: (870) 869-2291 FAX: (870) 869-2179 Population: 616 Hwy. 63 West Charter Number: 727 P. O. Box 850 Date: October 12, 1972 72434-0850 County: Lawrence Trust Powers: No Bank Holding Company Spring Rivers Bancshares, Inc., Imboden, AR CEO/Pres: Preston L. Clark Cash: Sandra McCormic Cash and Due from: ......................................2,883 Federal Funds and Repos:............................6,535 Investments:..................................................9,044 Total Loans: ................................................49,063 Premises and Fixed Assets: .............................932 Other Real Estate:............................................359 Other Assets: ................................................1,257 Total Assets: ...............................................70,073 Total Trust Assets: ...............................................0 Deposits:.....................................................62,143 Federal Funds and Borrowings:.....................2,000 Other Liabilities: ...............................................365 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................64,508 Total Equity Capital and Reserves: ...............5,565 Total Liabilities and Capital:.........................70,073 Number of Shares Outstanding: ....................6,600 Directors: Preston L. Clark; Jerry R. Foley; Charles F. Luter; Warren E. Luter; Dan H. Matthews Branches in Town: None Other Branches: Hoxie, Pocahontas, Smithville, Strawberry First Arkansas Bank & Trust Jacksonville, AR VOICE: (501) 982-4511 FAX: (501) 985-4009 Population: 29,101 600 West Main Charter Number: 701 P. O. Box 827 Date: August 2, 1949 72076-0827 County: Pulaski Home Page: www.firstarkansasbank.com Trust Powers: Yes Bank Holding Company First Arkansas BancShares, Inc., Jacksonville, AR Chm: Kenneth Pat Wilson EVP: Ken Southern CEO/Pres: Larry T. Wilson TO: Pat Teague Cash and Due from: ......................................7,179 Federal Funds and Repos:............................4,325 Investments:................................................62,876 Total Loans: .............................................. 128,281 Premises and Fixed Assets: ..........................7,091 Other Real Estate:..............................................20 Other Assets: ................................................6,951 Total Assets: ............................................. 216,723 Total Trust Assets: ......................................74,904 Deposits:...................................................172,586 Federal Funds and Borrowings:.....................9,781 Other Liabilities: ............................................1,992 Subordinated Debt: ..............................................0 Total Liabilities: .........................................184,359 Total Equity Capital and Reserves: .............32,364 Total Liabilities and Capital:.......................216,723 Number of Shares Outstanding: ................200,000 Directors: John A. Davis; Bart Gray, Jr.; Bill Gwatney; Alton Higginbotham; Bruce McFadden; Kathy Roberts; Ken Southern; Kenneth Pat Wilson; Larry T. Wilson; Mike Wilson Branches in Town: Five Other Branches: Cabot (2), Gravel Ridge Eighty-Seventh Report 63 American State Bank Jonesboro, AR VOICE: (870) 972-9800 2201 Fair Park Charter Number: 262 FAX: (870) 972-6387 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 ASB Corporation, Jonesboro, AR Chm/CEO : Frank Oldham EVP: Judy Dacus Pres/COO: Steve Gramling EVP: David Dudley Cash and Due from:...................................... 9,054 Federal Funds and Repos: ......................... 10,740 Investments: ............................................... 36,809 Total Loans:.............................................. 155,091 Premises and Fixed Assets:.......................... 8,259 Other Real Estate: ............................................... 0 Other Assets:................................................ 3,236 Total Assets:............................................. 223,189 Total Trust Assets:............................................... 0 Deposits: .................................................. 206,735 Federal Funds and Borrowings: ....................... 207 Other Liabilities: ............................................ 1,724 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 208,666 Total Equity Capital and Reserves: ............. 14,523 Total Liabilities and Capital: ...................... 223,189 Number of Shares Outstanding:.................... 4,000 Directors: Harold Clemons; David Dudley; Rogers Ford; Phillip Forrester; Steve Gramling; Joe B. Hilliard; Sue McGowan; Jerry McIntosh; Jill Meyer; Frank Oldham; Leon Swindle; Larry Wamble; R. L. Wells; Joe Wessell; Joe Williams; Michael E. Wilson; Mildred P. Wilson; R. E. L. Wilson, V; Steve A. Wilson Branches in Town: Two Other Branches: Keiser, Marmaduke, Osceola, Paragould (2), Wilson The Bank of Jonesboro Jonesboro, AR VOICE: (870) 934-9000 FAX: (870) 268-1535 Population: 46,535 Chm/CEO: Wallace W. Fowler Pres: Mark P. Fowler 715 Southwest Drive Charter Number: 787 P. O. Box 7514 Date: January 24, 2001 72403 County: Craighead Trust Powers: Yes Bank Holding Company None EVP: Aubrey Avants EVP: Ed Way Cash and Due from:...................................... 3,280 Federal Funds and Repos: ........................... 7,775 Investments: ............................................... 14,109 Total Loans:................................................ 65,932 Premises and Fixed Assets:.......................... 4,040 Other Real Estate: ............................................... 0 Other Assets:................................................... 893 Total Assets:............................................... 96,029 Total Trust Assets:........................................ 8,336 Deposits: .................................................... 60,180 Federal Funds and Borrowings: .................... 1,100 Other Liabilities: ............................................... 339 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 61,619 Total Equity Capital and Reserves: ............. 34,410 Total Liabilities and Capital: ........................ 96,029 Number of Shares Outstanding:................ 350,000 Directors: Wayne F. Baker; Claud V. Cash; Dick Darouse; Chris E. Fowler; Jama M. Fowler; Mark P. Fowler; Wallace W. Fowler; Raymond G. Heern; Al M. Heringer; Sam W. Hummelstein; Phil Jones; Mike Langford; Lloyd H. McCracken, Jr.; Ed Way; William C. Young, Jr. Branches in Town: One Other Branches: None 64 Arkansas State Bank Department Heritage Bank Jonesboro, AR VOICE: (870) 802-2344 FAX: (870) 268-2033 Population: 46,535 2009 Browns Lane Charter Number: 703 P. O. Box 3020 Date: January 23, 1951 72403-3020 County: Craighead Home Page: www.heritagebankark.com Trust Powers: No Bank Holding Company Heritage Capital Corporation, Jonesboro, AR Chm: Larry Grisham EVP/COO: Louis Intres Pres/CEO: Steve May SVP/CFO: Diane Steiling Cash and Due from: ......................................6,365 Federal Funds and Repos:...................................0 Investments:................................................21,688 Total Loans: .............................................. 187,522 Premises and Fixed Assets: ..........................5,893 Other Real Estate:............................................149 Other Assets: ................................................3,798 Total Assets: ............................................. 225,415 Total Trust Assets: ...............................................0 Deposits:...................................................196,363 Federal Funds and Borrowings:.....................8,267 Other Liabilities: ............................................1,576 Subordinated Debt: ..............................................0 Total Liabilities: .........................................206,206 Total Equity Capital and Reserves: .............19,209 Total Liabilities and Capital:.......................225,415 Number of Shares Outstanding: ..................10,000 Directors: Dr. Ron Burnett; Jim Fulkerson; Dick Gray; Larry Grisham; Mack Haggenmacher; Louis Intres; Steve May; Diane Steiling; Leon Swihart Branches in Town: Two Other Branches: Caraway, Leachville, Monette 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: www.msbank.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company MSB Shares, Inc., Jonesboro, AR Chm: Carolyn Frierson EVP: Tommy White CEO/Pres: Terry Frierson VP/TO: Steve Baker Cash and Due from: ......................................8,550 Federal Funds and Repos:...................................0 Investments:................................................84,278 Total Loans: .............................................. 306,317 Premises and Fixed Assets: ........................10,084 Other Real Estate:.........................................1,101 Other Assets: ................................................9,032 Total Assets: ............................................. 419,362 Total Trust Assets: ......................................41,086 Deposits:...................................................335,517 Federal Funds and Borrowings:...................43,811 Other Liabilities: ............................................7,335 Subordinated Debt: ..............................................0 Total Liabilities: .........................................386,663 Total Equity Capital and Reserves: .............32,699 Total Liabilities and Capital:.......................419,362 Number of Shares Outstanding: ....................4,000 Directors: Hugh Atwood; Shirley Bronaugh; Nancy Chrisman; Warren Dupwe; Carolyn Frierson; Terry Frierson; Philip Jones; Beverly McCollum; Guy Patteson; Robert Schuchardt; Revis G. Stewart; J. E. Story; Bobby G. Wood Branches in Town: Five Other Branches: Bay, Monette (2) Eighty-Seventh Report 65 Simmons First Bank of Jonesboro Jonesboro, AR VOICE: (870) 933-8000 FAX: (870) 933-2008 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 VP/Sec: Wayne Bond Cash and Due from:...................................... 5,953 Federal Funds and Repos: ........................... 3,100 Investments: ............................................... 17,533 Total Loans:.............................................. 140,853 Premises and Fixed Assets:.......................... 3,747 Other Real Estate: ........................................... 287 Other Assets:................................................ 2,860 Total Assets:............................................. 174,333 Total Trust Assets:............................................... 0 Deposits: .................................................. 153,489 Federal Funds and Borrowings: .................... 4,449 Other Liabilities: ............................................ 1,462 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 159,400 Total Equity Capital and Reserves: ............. 14,933 Total Liabilities and Capital: ...................... 174,333 Number of Shares Outstanding:................ 175,000 Directors: Dennis Abell; 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:......................................... 832 Federal Funds and Repos: ........................... 1,840 Investments: ................................................. 4,200 Total Loans:................................................ 14,841 Premises and Fixed Assets:............................. 667 Other Real Estate: ............................................. 21 Other Assets:................................................... 285 Total Assets:............................................... 22,686 Total Trust Assets:............................................... 0 Deposits: .................................................... 20,742 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 250 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 20,992 Total Equity Capital and Reserves: ............... 1,694 Total Liabilities and Capital: ........................ 22,686 Number of Shares Outstanding:.................... 3,060 Directors: James Searcy; M. Don Smith; Sheila Harrison Smith Branches in Town: None Other Branches: Fordyce, New Edinburg, Rison 66 Arkansas State Bank Department Madison Bank and Trust Kingston, AR VOICE: (501) 665-2825 FAX: (501) 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, Little Rock, AR Chm/CEO: Roland Willshire VP: Jerry Sullivan Pres: Gary Bunch VP/TO: Lori McConnell Cash and Due from: ......................................1,319 Federal Funds and Repos:............................1,525 Investments:..................................................3,756 Total Loans: ................................................31,653 Premises and Fixed Assets: .............................834 Other Real Estate:............................................494 Other Assets: ...................................................643 Total Assets: ...............................................40,224 Total Trust Assets: ........................................4,489 Deposits:.....................................................36,958 Federal Funds and Borrowings:........................500 Other Liabilities: ...............................................220 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................37,678 Total Equity Capital and Reserves: ...............2,546 Total Liabilities and Capital:.........................40,224 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, Little Rock The Bank of Lake Village Lake Village, AR VOICE: (870) 265-2241 FAX: (870) 265-2125 Population: 2,791 201 Main Street Charter Number: 675 P. O. Box 727 Date: October 14, 1937 71653-0727 County: Chicot Home Page: www.bankoflakevillage.com Trust Powers: No Bank Holding Company Southeast Arkansas Bank Corporation, Lake Village, AR Chm: Charles H. Weissinger, Jr. VChm: Ned Mazzanti CEO/Pres: Terence J. Alpe Sec: Kenneth D. Vandervort Cash and Due from: ......................................1,957 Federal Funds and Repos:...............................505 Investments:................................................12,382 Total Loans: ................................................48,044 Premises and Fixed Assets: ..........................1,968 Other Real Estate:................................................0 Other Assets: ................................................1,674 Total Assets: ...............................................66,530 Total Trust Assets: ...............................................0 Deposits:.....................................................52,606 Federal Funds and Borrowings:.....................5,187 Other Liabilities: ...............................................451 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................58,244 Total Equity Capital and Reserves: ...............8,286 Total Liabilities and Capital:.........................66,530 Number of Shares Outstanding: ..................60,000 Directors: Terence J. Alpe; Sam E. Angel; Wiliam W. Bunker; Dr. J. P. Burge; Hermon Carlton; David F. Gillison, Jr.; Marvin D. Loyd, DDS; Ned Mazzanti; Joseph J. Pieroni; Kenneth D. Vandervort; Charles H. Weissinger, Jr.; Guy Mattingly Weissinger Branches in Town: One Other Branches: None Eighty-Seventh Report 67 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 VP: Mike S. Cashion Pres: Freddie G. Black VP: Linda S. Moreland Cash and Due from:...................................... 2,136 Federal Funds and Repos: ........................... 1,000 Investments: ............................................... 18,728 Total Loans:................................................ 39,127 Premises and Fixed Assets:.......................... 1,604 Other Real Estate: ............................................. 11 Other Assets:................................................ 1,412 Total Assets:............................................... 64,018 Total Trust Assets:............................................... 0 Deposits: .................................................... 57,032 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 460 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 57,492 Total Equity Capital and Reserves: ............... 6,526 Total Liabilities and Capital: ........................ 64,018 Number of Shares Outstanding:.................. 12,500 Directors: Freddie G. Black; Robert G. Bridewell; Mike S. Cashion; Thomas Deen; Ben V. Floriani; A. O. French; James W. Haddock; Craig Hunt; Lester Pinkus; Beverly M. Rowe; Jerry Selby; Joe Dan Yee Branches in Town: One Other Branches: Dermott 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: www.littleriverbank.com Trust Powers: Yes Bank Holding Company Little River Bancshares, Inc., Lepanto, AR CEO/Pres: Grady Watkins, Jr. VP: Lois Criddle SVP/Cash: Blanche Nash Cash and Due from:...................................... 2,142 Federal Funds and Repos: ........................... 3,200 Investments: ............................................... 24,511 Total Loans:................................................ 18,253 Premises and Fixed Assets:............................. 307 Other Real Estate: ............................................. 59 Other Assets:................................................ 1,112 Total Assets:............................................... 49,584 Total Trust Assets:............................................... 0 Deposits: .................................................... 30,635 Federal Funds and Borrowings: .................. 12,252 Other Liabilities: ............................................... 216 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 43,103 Total Equity Capital and Reserves: ............... 6,481 Total Liabilities and Capital: ........................ 49,584 Number of Shares Outstanding:.................. 10,000 Directors: Hadley Ingram; Julanne P. Ingram; W. K. Ingram, Jr.; Junaway Payne; Ben Perry; Ernest B. Portis; Juliet J. Portis; Danette P. Watkins; Grady Watkins, Jr.; Henry Watkins Branches in Town: None Other Branches: None 68 Arkansas State Bank Department Arkansas Bankers' Bank Little Rock, AR VOICE: (501) 371-0535 FAX: (501) 375-2281 Population: 175,795 Charter Number: 752 1008 West Second Street Date: April 17, 1990 72201-2031 County: Pulaski Trust Powers: No Member of Federal Reserve System Bank Holding Company Arkansas Bankers' Bancorporation, Inc., Little Rock, AR Chm: Tom H. Grumbles EVP: Jimmy Thomason CEO/Pres: Bill B. May SVP: Kent H. Brewster Cash and Due from: ......................................2,808 Federal Funds and Repos:............................2,830 Investments:................................................52,261 Total Loans: ................................................27,396 Premises and Fixed Assets: .............................475 Other Real Estate:................................................0 Other Assets: ................................................3,217 Total Assets: ...............................................88,987 Total Trust Assets: ...............................................0 Deposits:.....................................................69,752 Federal Funds and Borrowings:...................10,241 Other Liabilities: ............................................1,194 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................81,187 Total Equity Capital and Reserves: ...............7,800 Total Liabilities and Capital:.........................88,987 Number of Shares Outstanding: ..................50,000 Directors: Lunsford W. Bridges; Gary R. Canada; Martin Carpenter; Tom H. Grumbles; Bill B. May; S. Denny Smith; Stephen E. Stafford 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 SVP/Cash: Lee A. Swearingen Pres: George G. Worthen VP: Cindy A. Godwin Cash and Due from: ......................................3,764 Federal Funds and Repos:............................3,214 Investments:................................................18,251 Total Loans: ................................................67,379 Premises and Fixed Assets: ..........................3,545 Other Real Estate:..............................................37 Other Assets: ................................................1,813 Total Assets: ...............................................98,003 Total Trust Assets: ...............................................0 Deposits:.....................................................87,816 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................588 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................88,404 Total Equity Capital and Reserves: ...............9,599 Total Liabilities and Capital:.........................98,003 Number of Shares Outstanding: ................100,000 Directors: J. Harry Leggett; Eugene L. Maris; James M. May; Stephen W. Plunkett; Steve C. Russell; George G. Worthen Branches in Town: Three Other Branches: None Eighty-Seventh Report 69 Bank of the Ozarks Little Rock, AR VOICE: (501) 978-2265 FAX: (501) 978-2205 Population: 175,795 12615 Chenal Parkway Charter Number: 121 P. O. Box 8811 Date: March 24, 1903 72231-8811 County: Pulaski Trust Powers: Yes Bank Holding Company Bank of the Ozarks, Inc., Little Rock, AR Chm/CEO: George G. Gleason, II CFO: Paul E. Moore Pres: Mark D. Ross TO: Gene Jennings Cash and Due from:.................................... 26,741 Federal Funds and Repos: .................................. 0 Investments: ............................................. 200,996 Total Loans:.............................................. 547,520 Premises and Fixed Assets:........................ 33,017 Other Real Estate: ........................................ 1,309 Other Assets:.............................................. 14,805 Total Assets:............................................. 824,388 Total Trust Assets:...................................... 85,425 Deposits: .................................................. 643,435 Federal Funds and Borrowings: ................ 103,934 Other Liabilities: ............................................ 3,180 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 750,549 Total Equity Capital and Reserves: ............. 73,839 Total Liabilities and Capital: ...................... 824,388 Number of Shares Outstanding:.................... 2,340 Directors: Jerry Davis; Robert East; George G. Gleason, II; Linda D. Gleason; Porter Hillard; Henry Mariani; R. L. Qualls; Mark D. Ross; Kennith Smith Branches in Town: Four Other Branches: Alma, Altus, Bellefonte, Bryant, Clarksville (2), Clinton, Fort Smith (2), Harrison (2), Jasper, Lonoke, Marshall, Mulberry, North Little Rock (2), Ozark (2), Paris, Van Buren, Western Grove, Yellville The Capital Bank Little Rock, AR VOICE: (501) 228-6000 FAX: (501) 228-6006 Population: 175,795 12224 Chenal Parkway Charter Number: 771 P. O. Box 8210 Date: July 30, 1997 72211 County: Pulaski Home Page: www.thecapitalbank.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Capital Bancshares, Inc., Little Rock, AR Pres: Joseph B. Ford SVP: Kyle Patton SVP: Bonnie Crocheron VP/CFO: Catherine Davis Cash and Due from:...................................... 3,925 Federal Funds and Repos: ........................... 3,990 Investments: ............................................... 19,539 Total Loans:................................................ 47,140 Premises and Fixed Assets:.......................... 1,254 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,991 Total Assets:............................................... 77,839 Total Trust Assets:............................................... 0 Deposits: .................................................... 61,064 Federal Funds and Borrowings: .................. 10,088 Other Liabilities: ............................................... 658 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 71,810 Total Equity Capital and Reserves: ............... 6,029 Total Liabilities and Capital: ........................ 77,839 Number of Shares Outstanding:.................. 32,013 Directors: Melinda Ballard; Joseph B. Ford; Jack Hartsell; Joseph W. Park; Dr. William Brad Pierce; Boyd Rothwell; Warren Stephenson Branches in Town: None Other Branches: North Little Rock 70 Arkansas State Bank Department Central Bank & Trust Little Rock, AR VOICE: (501) 379-7000 FAX: (501) 379-7250 Population: 175,795 1501 South Main Street Charter Number: 753 P. O. Box 1583 Date: November 30, 1990 72203-1583 County: Pulaski Trust Powers: Yes Member of Federal Reserve System Bank Holding Company P & W Bancshares, Inc., Little Rock, AR Chm/CEO: Ron W. Strother EVP: Roger Steging Pres: James E. Cargill, III Cash and Due from: ......................................6,476 Federal Funds and Repos:..........................10,500 Investments:................................................11,202 Total Loans: ................................................84,873 Premises and Fixed Assets: ..........................7,394 Other Real Estate:..............................................53 Other Assets: ..............................................12,438 Total Assets: ............................................. 132,936 Total Trust Assets: ...............................................0 Deposits:...................................................112,844 Federal Funds and Borrowings:.....................4,267 Other Liabilities: ............................................1,260 Subordinated Debt: ..............................................0 Total Liabilities: .........................................118,371 Total Equity Capital and Reserves: .............14,565 Total Liabilities and Capital:.......................132,936 Number of Shares Outstanding: ..................20,000 Directors: James E. Cargill, III; Dexter Doyne; Jack McRae; Marty Rhodes; William G. Roehrenbeck; Elizabeth Small; Ron W. Strother; Jim C. Walton; Robert M. Wilson, Sr. Branches in Town: Five 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: ......................................2,873 Federal Funds and Repos:............................8,850 Investments:................................................23,248 Total Loans: ................................................35,047 Premises and Fixed Assets: .............................745 Other Real Estate:..............................................92 Other Assets: ...................................................957 Total Assets: ...............................................71,812 Total Trust Assets: ...............................................0 Deposits:.....................................................61,279 Federal Funds and Borrowings:.....................3,738 Other Liabilities: ...............................................628 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................65,645 Total Equity Capital and Reserves: ...............6,167 Total Liabilities and Capital:.........................71,812 Number of Shares Outstanding: ....................8,000 Directors: H. Lee Hastings; Harry L. Hastings, Jr.; Stanley Hastings; Randall K. Herlocker; Catherine H. Owen Branches in Town: One Other Branches: Gravel Ridge, Sherwood (3) Eighty-Seventh Report 71 Pinnacle Bank Little Rock, AR VOICE: (501) 614-5000 FAX: (501) 614-5005 Population: 175,795 2610 Cantrell Road Charter Number: 766 P. O. Box 8120 Date: January 1, 1997 72203-8120 County: Pulaski Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Pinnacle Bancshares, Inc., Little Rock, AR CEO/Pres: Robert M. Althoff SVP: Beth Harvey EVP: W. Dabbs Cavin SVP/CFO: Thomas C. Evans Cash and Due from:...................................... 3,144 Federal Funds and Repos: .................................. 0 Investments: ................................................. 9,756 Total Loans:.............................................. 109,579 Premises and Fixed Assets:.......................... 1,727 Other Real Estate: ........................................... 368 Other Assets:................................................ 2,441 Total Assets:............................................. 127,015 Total Trust Assets:............................................... 0 Deposits: .................................................... 90,774 Federal Funds and Borrowings: .................. 26,020 Other Liabilities: ............................................... 767 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 117,561 Total Equity Capital and Reserves: ............... 9,454 Total Liabilities and Capital: ...................... 127,015 Number of Shares Outstanding:.................. 20,000 Directors: Robert M. Althoff; Gus J. Blass, III; William L. Cravens; Scott T. Ford; Jeff Fox; Ted Gammill; Keith Jackson; Richard N. Massey; Rick Parker; David Snowden, Jr. Branches in Town: One Other Branches: None Pulaski Bank And Trust Company Little Rock, AR VOICE: (501) 661-7700 FAX: (501) 661-7731 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 COO: Robert C. Magee Cash and Due from:.................................... 22,410 Federal Funds and Repos: .................................. 0 Investments: ............................................... 28,327 Total Loans:.............................................. 234,880 Premises and Fixed Assets:.......................... 9,459 Other Real Estate: ........................................... 611 Other Assets:.............................................. 12,828 Total Assets:............................................. 308,515 Total Trust Assets:.................................... 137,605 Deposits: .................................................. 271,630 Federal Funds and Borrowings: .................... 2,142 Other Liabilities: ............................................ 4,367 Subordinated Debt:....................................... 6,000 Total Liabilities:......................................... 284,139 Total Equity Capital and Reserves: ............. 24,376 Total Liabilities and Capital: ...................... 308,515 Number of Shares Outstanding:.................... 1,850 Directors: J. Hunter East; James C. East; Robert C. Magee; William C. Scholl; Dr. Kent Westbrook; Mark V. Williamson Branches in Town: Six Other Branches: North Little Rock 72 Arkansas State Bank Department Bank of Lockesburg Lockesburg, AR VOICE: (870) 289-4071 FAX: (870) 289-2330 Population: 608 103 West Main Charter Number: 746 P. O. Box 118 Date: May 31, 1985 71846-0118 County: Sevier Trust Powers: No Bank Holding Company DeWitt First Bankshares Corporation, DeWitt, AR Chm: Warren A. Jennings, Sr. Pres: Phyllis Bettell Cash and Due from: .........................................979 Federal Funds and Repos:............................5,395 Investments:..................................................6,145 Total Loans: ................................................10,365 Premises and Fixed Assets: ...............................78 Other Real Estate:............................................111 Other Assets: ...................................................299 Total Assets: ...............................................23,372 Total Trust Assets: ...............................................0 Deposits:.....................................................19,764 Federal Funds and Borrowings:........................242 Other Liabilities: .................................................77 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................20,083 Total Equity Capital and Reserves: ...............3,289 Total Liabilities and Capital:.........................23,372 Number of Shares Outstanding: ....................2,500 Directors: Georgea Greaves; Ray Hambrick; Mary M. Jennings; Warren A. Jennings, Jr.; Warren A. Jennings, Sr.; Lester McKinley Branches in Town: None Other Branches: None First State Bank Lonoke, AR VOICE: (501) 676-3106 FAX: (501) 676-5046 Population: 4,022 101 South Center Street Charter Number: 670 P. O. Box 320 Date: March 9, 1935 72086-0320 County: Lonoke Trust Powers: No Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Chm: Neil Bennett, Jr. EVP: Tracy M. French CEO/Pres: David R. Estes Cash and Due from: ....................................20,829 Federal Funds and Repos:...................................0 Investments:................................................29,927 Total Loans: .............................................. 102,948 Premises and Fixed Assets: ..........................4,059 Other Real Estate:................................................0 Other Assets: ................................................3,791 Total Assets: ............................................. 161,554 Total Trust Assets: ...............................................0 Deposits:...................................................139,242 Federal Funds and Borrowings:.....................6,899 Other Liabilities: ...............................................716 Subordinated Debt: ..............................................0 Total Liabilities: .........................................146,857 Total Equity Capital and Reserves: .............14,697 Total Liabilities and Capital:.......................161,554 Number of Shares Outstanding: ..................16,000 Directors: Robert Bailey; Neil Bennett, Jr.; Neil Bennett, Sr.; Wayne Bennett, Jr.; Wayne Bennett, Sr.; Richard Bransford; David R. Estes; William Fletcher, Jr.; J. Walls McCrary; Joe P. Melton; Mart Thaxton Branches in Town: One Other Branches: Carlisle, Fayetteville, Gurdon Eighty-Seventh Report 73 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: 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: Bruce D. Maloch Cash and Due from:...................................... 8,224 Federal Funds and Repos: .................................. 0 Investments: ............................................. 172,637 Total Loans:.............................................. 187,395 Premises and Fixed Assets:.......................... 5,444 Other Real Estate: ........................................... 274 Other Assets:.............................................. 16,315 Total Assets:............................................. 390,289 Total Trust Assets:...................................... 61,548 Deposits: .................................................. 329,801 Federal Funds and Borrowings: .................. 17,293 Other Liabilities: ............................................ 2,593 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 349,687 Total Equity Capital and Reserves: ............. 40,602 Total Liabilities and Capital: ...................... 390,289 Number of Shares Outstanding:................ 100,000 Directors: Bob L. Burns; 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 71753 County: Columbia Trust Powers: Yes Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm: Harold H. Fincher EVP: John Twyford CEO/Pres: Mary L. Fowler VP/Cash: Jill McClinton Cash and Due from:...................................... 4,425 Federal Funds and Repos: ........................... 5,280 Investments: ............................................... 14,420 Total Loans:................................................ 29,526 Premises and Fixed Assets:.......................... 1,479 Other Real Estate: ............................................. 30 Other Assets:................................................... 581 Total Assets:............................................... 55,741 Total Trust Assets:............................................... 0 Deposits: .................................................... 50,470 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 156 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 50,626 Total Equity Capital and Reserves: ............... 5,115 Total Liabilities and Capital: ........................ 55,741 Number of Shares Outstanding:.................. 10,000 Directors: Dorothy J. Fincher; Harold H. Fincher; Steven C. Fincher; Mary L. Fowler; Betty E. Harris; Betty L. Scott; Gerald F. Scott Branches in Town: One Other Branches: Emerson, McNeil, Waldo 74 Arkansas State Bank Department 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 72104-0400 County: Hot Spring Trust Powers: No Bank Holding Company Southern State Bancshares, Inc., Malvern, AR Chm/CEO/Pres: Donald A. Walsh VP: Kyle Keeney EVP: Sue Stinnett Cash and Due from: ......................................2,576 Federal Funds and Repos:............................1,380 Investments:..................................................9,969 Total Loans: ................................................39,340 Premises and Fixed Assets: ..........................2,867 Other Real Estate:............................................101 Other Assets: ................................................1,179 Total Assets: ...............................................57,412 Total Trust Assets: ...............................................0 Deposits:.....................................................51,528 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................316 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................51,844 Total Equity Capital and Reserves: ...............5,568 Total Liabilities and Capital:.........................57,412 Number of Shares Outstanding: ..................15,906 Directors: Don Allen; Bill Birch; Mitchell Burris; Frank R. McClure; Martha McClure; W. Henry McClure; Donald A. Walsh; A. J. Wilks; Chris E. Williams Branches in Town: One Other Branches: None Bank of Mansfield Mansfield, AR VOICE: (501) 928-4418 FAX: (501) 928-5149 Population: 1,018 101 South Sebascott Charter Number: 678 P. O. Box 387 Date: February 16, 1939 72944-0387 County: Sebastian Trust Powers: No Bank Holding Company Mansfield Bankstock, Inc., Mansfield, AR Chm: J. Michael Shaw EVP: Paula Coward CEO/Pres: Joseph A. Terry VP/Cash: Margo Jones Cash and Due from: .........................................726 Federal Funds and Repos:............................8,400 Investments:..................................................6,677 Total Loans: ................................................22,294 Premises and Fixed Assets: .............................334 Other Real Estate:..............................................24 Other Assets: ...................................................936 Total Assets: ...............................................39,391 Total Trust Assets: ...............................................0 Deposits:.....................................................35,040 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................219 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................35,259 Total Equity Capital and Reserves: ...............4,132 Total Liabilities and Capital:.........................39,391 Number of Shares Outstanding: ....................9,600 Directors: Paula Coward; Earle Overton; J. Michael Shaw; S. M. Taylor; Joseph A. Terry; Lary Walker; R. D. Wooten Branches in Town: None Other Branches: None Eighty-Seventh Report 75 First Community Bank of Eastern Arkansas Marion, AR VOICE: (870) 739-7300 FAX: (870) 739-2234 Population: 4,391 205 Block Street Charter Number: 775 P. O. Box 747 Date: October 8, 1998 72364-0747 County: Crittenden Trust Powers: Yes Bank Holding Company None CEO/Pres: H. Gates Williams, Jr. VP: Billy Russell, Jr. VP: Linda Crowe Cash and Due from:...................................... 1,344 Federal Funds and Repos: .................................. 0 Investments: ................................................. 5,534 Total Loans:................................................ 24,699 Premises and Fixed Assets:............................. 893 Other Real Estate: ............................................... 0 Other Assets:................................................... 508 Total Assets:............................................... 32,978 Total Trust Assets:............................................... 0 Deposits: .................................................... 28,438 Federal Funds and Borrowings: ......................... 30 Other Liabilities: ............................................... 268 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 28,736 Total Equity Capital and Reserves: ............... 4,242 Total Liabilities and Capital: ........................ 32,978 Number of Shares Outstanding:.................. 38,726 Directors: Michael D. East; Frank A. Fogleman; Franklin G. Fogleman; Julian Hardin; Allen B. Helms, Jr.; Adolph Parani; Mark A. Parani; Matthew L. Pike, III; James A. Ross; Samuel H. Stuckey, Jr.; William Bart Turner; David S. Wallace; Charles L. Williams, Jr.; H. Gates Williams, Jr. Branches in Town: None Other Branches: None 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 CEO/Pres: Steve A. Wilcoxon VP: Angela Lewis SVP/CFO: Terry Dickson VP: Gary Williams Cash and Due from:...................................... 1,912 Federal Funds and Repos: ........................... 2,861 Investments: ............................................... 13,246 Total Loans:................................................ 33,091 Premises and Fixed Assets:.......................... 1,439 Other Real Estate: ............................................. 94 Other Assets:................................................... 909 Total Assets:............................................... 53,552 Total Trust Assets:............................................... 0 Deposits: .................................................... 47,645 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 419 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 48,064 Total Equity Capital and Reserves: ............... 5,488 Total Liabilities and Capital: ........................ 53,552 Number of Shares Outstanding:.................... 2,000 Directors: A. A. Banks; George E. Beley; Charles F. Luter; H. F. Norcross, III; Eugene Vaughn; Steve A. Wilcoxon; Lewis M. Wood Branches in Town: None Other Branches: Trumann, Tyronza 76 Arkansas State Bank Department Marked Tree Bank Marked Tree, AR VOICE: (870) 358-2600 FAX: (870) 358-4210 Population: 3,100 210 Frisco Street Charter Number: 651 P. O. Box 160 Date: March 3, 1932 72365-0160 County: Poinsett Trust Powers: Yes Bank Holding Company Marked Tree Bancshares, Inc., Marked Tree, AR Chm: Frank Brunner, Jr. SVP: Sherry London CEO/Pres: Frankie L. Pratt Cash and Due from: ......................................1,227 Federal Funds and Repos:............................9,700 Investments:..................................................4,111 Total Loans: ................................................19,129 Premises and Fixed Assets: .............................484 Other Real Estate:................................................8 Other Assets: ...................................................998 Total Assets: ...............................................35,657 Total Trust Assets: ...............................................0 Deposits:.....................................................30,921 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................259 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................31,180 Total Equity Capital and Reserves: ...............4,477 Total Liabilities and Capital:.........................35,657 Number of Shares Outstanding: ....................2,500 Directors: E. Ritter Arnold; Mary Ann Arnold; Frank Brunner, Jr.; Dan Hatzenbuehler; P. Michael Murphy; Frankie L. Pratt Branches in Town: None Other Branches: None 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/CEO/Pres: John G. Thompson SVP: Sean Williams EVP/COO: Donny Underwood VP/TO: Bobby Trotter Cash and Due from: ......................................1,879 Federal Funds and Repos:............................9,400 Investments:................................................19,719 Total Loans: ................................................36,325 Premises and Fixed Assets: .............................427 Other Real Estate:................................................3 Other Assets: ................................................1,237 Total Assets: ...............................................68,990 Total Trust Assets: ...........................................348 Deposits:.....................................................60,328 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................673 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................61,001 Total Equity Capital and Reserves: ...............7,989 Total Liabilities and Capital:.........................68,990 Number of Shares Outstanding: ..................20,000 Directors: Ian Arnof; Donald Cain; John D. Eldridge; John D. Eldridge, III; Fletcher C. Lewis; G. L. Morris, Jr.; H. Ripley Thompson; John G. Thompson; Vance M. Thompson, III Branches in Town: None Other Branches: Augusta Eighty-Seventh Report 77 McGehee Bank McGehee, AR VOICE: (870) 222-3151 FAX: (870) 222-6159 Population: 4,997 301 North Second Street Charter Number: 661 P. O. Box 787 Date: December 5, 1933 71654-0787 County: Desha Home Page: 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: Phillip Priuett Cash and Due from:...................................... 4,296 Federal Funds and Repos: .............................. 950 Investments: ............................................... 30,192 Total Loans:................................................ 50,706 Premises and Fixed Assets:............................. 267 Other Real Estate: ............................................... 0 Other Assets:................................................ 2,164 Total Assets:............................................... 88,575 Total Trust Assets:...................................... 38,522 Deposits: .................................................... 72,041 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 910 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 72,951 Total Equity Capital and Reserves: ............. 15,624 Total Liabilities and Capital: ........................ 88,575 Number of Shares Outstanding:................ 712,360 Directors: Robert H. Adcock; Lee Bowman; William W. Bowman; Bill E. Elliott; Eugene Gilliam; David S. Leech; John H. Potter, Jr.; James M. Smith Branches in Town: One Other Branches: Arkansas City, Tillar, Watson The Union Bank of Mena Mena, AR VOICE: (501) 394-2211 FAX: (501) 394-3809 Population: 5,475 515 Janssen Avenue 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: Danny Williams VP/Cash: Ruby Lunsford Cash and Due from:...................................... 3,816 Federal Funds and Repos: ........................... 4,160 Investments: ............................................... 22,582 Total Loans:................................................ 92,714 Premises and Fixed Assets:.......................... 2,526 Other Real Estate: ............................................... 8 Other Assets:................................................ 2,052 Total Assets:............................................. 127,858 Total Trust Assets:............................................... 0 Deposits: .................................................. 112,215 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 496 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 112,711 Total Equity Capital and Reserves: ............. 15,147 Total Liabilities and Capital: ...................... 127,858 Number of Shares Outstanding:.................. 12,000 Directors: Robert A. Carver; John A. Crawford; R. L. Hamilton; David Maddox; Pauline Morrow; Edward W. Stevenson; Danny Williams; Bill L. Wood Branches in Town: One Other Branches: Hatfield, Wickes Arkansas State Bank Department 78 Commercial Bank & Trust Company Monticello, AR VOICE: (870) 367-6221 FAX: (870) 367-7700 Population: 8,116 212 West Gaines Street Charter Number: 396 P. O. Box 150 Date: November 29, 1912 71657-0150 County: Drew Home Page: www.commercial-bank.net Trust Powers: Yes Bank Holding Company Drew Bancshares, Inc., Monticello, AR Chm/CEO: Virginia M. Ryburn SVP: Gene Gates Pres/COO: George T. Harris SVP/TO: Rusty Smith Cash and Due from: ......................................7,927 Federal Funds and Repos:............................1,525 Investments:................................................32,111 Total Loans: ................................................91,673 Premises and Fixed Assets: ..........................1,587 Other Real Estate:............................................276 Other Assets: ................................................2,337 Total Assets: ............................................. 137,436 Total Trust Assets: ......................................10,768 Deposits:...................................................122,392 Federal Funds and Borrowings:........................632 Other Liabilities: ............................................1,212 Subordinated Debt: ..............................................0 Total Liabilities: .........................................124,236 Total Equity Capital and Reserves: .............13,200 Total Liabilities and Capital:.......................137,436 Number of Shares Outstanding: ....................8,000 Directors: Joe Brannen; James Burks; C. C. Gibson, III; Reginald Glover; George T. Harris; R. D. Jones, Jr.; Wayne Owen; 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) 460-6464 Population: 8,116 102 West McCloy Charter Number: 448 P. O. Box 270 Date: September 15, 1915 71657-0270 County: Drew Home Page: 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 VP/Cash: Reathel Harris Cash and Due from: ......................................4,307 Federal Funds and Repos:..........................16,430 Investments:................................................27,908 Total Loans: .............................................. 106,984 Premises and Fixed Assets: ..........................1,754 Other Real Estate:............................................411 Other Assets: ................................................3,235 Total Assets: ............................................. 161,029 Total Trust Assets: ......................................14,192 Deposits:...................................................141,246 Federal Funds and Borrowings:.....................2,087 Other Liabilities: ............................................1,654 Subordinated Debt: ..............................................0 Total Liabilities: .........................................144,987 Total Equity Capital and Reserves: .............16,042 Total Liabilities and Capital:.......................161,029 Number of Shares Outstanding: ..................80,000 Directors: William K. Ball; Jonathan H. Davis; Charles F. Dearman, Jr.; Robert Dale Handly, Sr.; James P. Jett; John S. McClendon; Zach McClendon, Jr.; John Porter Price; Richard Reinhart; David E. Wilkins; Alan G. Williams Branches in Town: Two Other Branches: Warren, Wilmar Eighty-Seventh Report 79 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:...................................... 2,527 Federal Funds and Repos: .................................. 0 Investments: ................................................. 4,553 Total Loans:................................................ 80,158 Premises and Fixed Assets:............................. 871 Other Real Estate: ........................................... 153 Other Assets:................................................ 1,208 Total Assets:............................................... 89,470 Total Trust Assets:............................................... 0 Deposits: .................................................... 75,402 Federal Funds and Borrowings: .................... 5,410 Other Liabilities: ............................................... 618 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 81,430 Total Equity Capital and Reserves: ............... 8,040 Total Liabilities and Capital: ........................ 89,470 Number of Shares Outstanding:.................. 50,000 Directors: W. O. Byrd; Hal M. Calhoun, III; Katherine Foust; Michael D. Koone; Otto L. Lienhart; John B. Maus, Jr.; Bruce M. Netherton; Charles L. Ormond; Charles S. Penick; Larry Wayne Smith; Stanton C. Willis Branches in Town: None Other Branches: None First Bank of Montgomery County Mount Ida, AR VOICE: (870) 867-3148 FAX: (870) 867-4333 Population: 775 221 South George Street Charter Number: 617 P. O. Box 1228 Date: November 26, 1930 71957-1228 County: Montgomery Trust Powers: No Bank Holding Company First Community Banking Corporation, Hot Springs, AR Chm/CEO/Pres: Daniel C. Horton Cash: Hettie Abernathy Cash and Due from:...................................... 1,790 Federal Funds and Repos: ........................... 4,370 Investments: ............................................... 24,527 Total Loans:................................................ 45,236 Premises and Fixed Assets:............................. 485 Other Real Estate: ........................................... 278 Other Assets:................................................ 1,274 Total Assets:............................................... 77,960 Total Trust Assets:............................................... 0 Deposits: .................................................... 64,777 Federal Funds and Borrowings: .................... 3,600 Other Liabilities: ............................................... 263 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 68,640 Total Equity Capital and Reserves: ............... 9,320 Total Liabilities and Capital: ........................ 77,960 Number of Shares Outstanding:.................... 4,000 Directors: A. L. Banta; Bill Barnes; Joe Brakefield, Jr.; Larry Byers; Chris Elder; Daniel C. Horton; Denver Jones; Bill Lawrence; Bobby Lybrand; G. R. Mosley; Doyel O'Neal; John Selig; Melvin L. Simpson Branches in Town: One Other Branches: None Arkansas State Bank Department 80 Peoples Bank And Trust Company Mountain Home, AR VOICE: (870) 425-2166 FAX: (870) 424-4353 Population: 9,027 Ninth & Baker Streets Charter Number: 147 P. O. 1906 Date: August 10, 1906 72654-1906 County: Baxter Home Page: www.peoplesbank.org Trust Powers: Yes Bank Holding Company BC Bancshares, Inc., Mountain Home, AR Chm: Reynie Rutledge EVP: Tim Coleman CEO/Pres: Larry G. Nelson TO: Paul E. Johnson Cash and Due from: ......................................8,745 Federal Funds and Repos:............................1,665 Investments:................................................77,028 Total Loans: .............................................. 155,789 Premises and Fixed Assets: ..........................3,162 Other Real Estate:..............................................95 Other Assets: ................................................5,240 Total Assets: ............................................. 251,724 Total Trust Assets: ......................................61,664 Deposits:...................................................221,437 Federal Funds and Borrowings:.....................3,243 Other Liabilities: ............................................2,326 Subordinated Debt: ..............................................0 Total Liabilities: .........................................227,006 Total Equity Capital and Reserves: .............24,718 Total Liabilities and Capital:.......................251,724 Number of Shares Outstanding: ................110,000 Directors: James Faulkner; D. Eugene Fortson; Donald T. Jack, Jr.; Guy King; James Lindsey; Larry G. Nelson; N. T. Rutledge; Reynie Rutledge; W. M. Thompson Branches in Town: Two Other Branches: Bull Shoals, Gassville TrustBanc Mountain Home, AR VOICE: (870) 424-4100 FAX: (870) 424-4144 Population: 9,027 665 Hwy 62E Charter Number: 774 P. O. Box 2130 Date: May 12, 1998 72654-2130 County: Baxter Home Page: 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: ......................................1,613 Federal Funds and Repos:............................2,560 Investments:................................................12,135 Total Loans: ................................................42,706 Premises and Fixed Assets: ..........................1,239 Other Real Estate:................................................0 Other Assets: ...................................................859 Total Assets: ...............................................61,112 Total Trust Assets: ...............................................0 Deposits:.....................................................47,226 Federal Funds and Borrowings:.....................5,493 Other Liabilities: ...............................................450 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................53,169 Total Equity Capital and Reserves: ...............7,943 Total Liabilities and Capital:.........................61,112 Number of Shares Outstanding: ...........................1 Directors: Ralph 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 Eighty-Seventh Report 81 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:...................................... 2,197 Federal Funds and Repos: ........................... 5,695 Investments: ............................................... 59,881 Total Loans:................................................ 69,072 Premises and Fixed Assets:............................. 725 Other Real Estate: ........................................... 131 Other Assets:................................................ 2,316 Total Assets:............................................. 140,017 Total Trust Assets:............................................... 0 Deposits: .................................................. 113,902 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 555 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 114,457 Total Equity Capital and Reserves: ............. 25,560 Total Liabilities and Capital: ...................... 140,017 Number of Shares Outstanding:.................... 4,000 Directors: Glen Hinkle; James G. Hinkle; Kenneth Sutton Branches in Town: One Other Branches: None Bank of Mulberry Mulberry, AR VOICE: (501) 997-1154 FAX: (501) 997-1161 Population: 1,448 Chm: Betty Feller CEO: Lex Golden, III 311 Main Street Charter Number: 81 P. O. Drawer A Date: January 15, 1902 72947-0480 County: Crawford Home Page: www.justbankit.com 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:...................................... 2,193 Federal Funds and Repos: .............................. 660 Investments: ................................................. 6,684 Total Loans:................................................ 42,003 Premises and Fixed Assets:.......................... 1,794 Other Real Estate: ............................................... 4 Other Assets:................................................ 1,334 Total Assets:............................................... 54,672 Total Trust Assets:............................................... 0 Deposits: .................................................... 48,317 Federal Funds and Borrowings: ....................... 583 Other Liabilities: ............................................ 1,528 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 50,428 Total Equity Capital and Reserves: ............... 4,244 Total Liabilities and Capital: ........................ 54,672 Number of Shares Outstanding:.................... 4,000 Directors: Robert R. Baker; Jerry Dickerson; Betty Feller; Alex Golden; Lex Golden, lll; Randy Hollis; John Hunter; L. J. Muncy, Jr.; L. Jan Nordin Branches in Town: One Other Branches: Little Rock 82 Arkansas State Bank Department Diamond State Bank Murfreesboro, AR VOICE: (870) 285-2172 FAX: (870) 285-2755 Population: 1,542 319 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, Murfreesboro, AR Chm: Mark Duke Bainum Cash: Brenda Roberts CEO/Pres: John A. Ross Cash and Due from: ......................................7,599 Federal Funds and Repos:............................1,160 Investments:................................................30,110 Total Loans: ................................................98,019 Premises and Fixed Assets: ..........................4,583 Other Real Estate:..............................................23 Other Assets: ................................................3,419 Total Assets: ............................................. 144,913 Total Trust Assets: ...............................................0 Deposits:...................................................130,471 Federal Funds and Borrowings:.....................1,697 Other Liabilities: ...............................................922 Subordinated Debt: ..............................................0 Total Liabilities: .........................................133,090 Total Equity Capital and Reserves: .............11,823 Total Liabilities and Capital:.......................144,913 Number of Shares Outstanding: ..................10,296 Directors: Evea J. Bainum; Mark Duke Bainum; Timothy E. Bainum; Robert Evans; Cooper Kizzia; Mike Moore; John A. Ross; Bill Spigner; George Steel, Jr.; George Steel, Sr.; Raymond Walls Branches in Town: None Other Branches: DeQueen, Dierks, Hope, Mineral Springs, Nashville 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: www.mandpbank.com Trust Powers: Yes Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/CEO/Pres/TO: Jim S. Gowen, Sr. SVP: Carla P. Stiger EVP: Jim S. Gowen, Jr. SVP/Cash: Patricia McFarland Cash and Due from: ......................................7,134 Federal Funds and Repos:............................4,300 Investments:................................................34,056 Total Loans: ................................................78,886 Premises and Fixed Assets: ..........................4,248 Other Real Estate:............................................173 Other Assets: ................................................3,303 Total Assets: ............................................. 132,100 Total Trust Assets: ......................................13,608 Deposits:...................................................116,443 Federal Funds and Borrowings:.....................3,333 Other Liabilities: ...............................................924 Subordinated Debt: ..............................................0 Total Liabilities: .........................................120,700 Total Equity Capital and Reserves: .............11,400 Total Liabilities and Capital:.......................132,100 Number of Shares Outstanding: ....................9,000 Directors: Morris 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 Eighty-Seventh Report 83 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: www.twincitybank.net Trust Powers: Yes Bank Holding Company North Little Rock Bancshares, North Little Rock, AR Chm: John W. Allison CEO/Pres: Robert F. Birch, Jr. Cash and Due from:...................................... 2,442 Federal Funds and Repos: ........................... 2,460 Investments: ............................................... 39,617 Total Loans:................................................ 55,224 Premises and Fixed Assets:.......................... 2,599 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,330 Total Assets:............................................. 103,672 Total Trust Assets:............................................... 0 Deposits: .................................................... 75,951 Federal Funds and Borrowings: .................. 12,080 Other Liabilities: ............................................... 375 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 88,406 Total Equity Capital and Reserves: ............. 15,266 Total Liabilities and Capital: ...................... 103,672 Number of Shares Outstanding:.................. 17,000 Directors: Robert H. Adcock; John W. Allison; William Arnold; Rick Ashley; Robert F. Birch, Jr.; Dale Bruns; James Kincannon; Donnie L. Lindsey, Sr.; Bob Russell; Mary Anne Salmon Branches in Town: Four Other Branches: None 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, Inc., Charleston, MO Chm: Don Burnett VP: Renee Faughn CEO/Pres: Glen Burnett Sec: William Clayton Vandivort Cash and Due from:...................................... 1,865 Federal Funds and Repos: ................................ 62 Investments: ................................................. 2,552 Total Loans:................................................ 38,618 Premises and Fixed Assets:.......................... 2,891 Other Real Estate: ........................................... 275 Other Assets:................................................... 764 Total Assets:............................................... 47,027 Total Trust Assets:............................................... 0 Deposits: .................................................... 42,676 Federal Funds and Borrowings: ....................... 625 Other Liabilities: ............................................... 319 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 43,620 Total Equity Capital and Reserves: ............... 3,407 Total Liabilities and Capital: ........................ 47,027 Number of Shares Outstanding:.................. 12,500 Directors: Marty Buchman; Don Burnett; Glen Burnett; Rebecca Dugan; Dean Inman; William Clayton Vandivort Branches in Town: None Other Branches: Marmaduke 84 Arkansas State Bank Department 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., Imboden, AR Chm/CEO/Pres: Charles F. Luter VP: Tim Wells VP: Warren E. Luter VP/Cash: Crete Rhodes Cash and Due from: ......................................4,564 Federal Funds and Repos:............................8,760 Investments:..................................................2,168 Total Loans: ................................................98,483 Premises and Fixed Assets: ..........................2,397 Other Real Estate:............................................717 Other Assets: ................................................5,695 Total Assets: ............................................. 122,784 Total Trust Assets: ...............................................0 Deposits:.....................................................95,667 Federal Funds and Borrowings:...................15,646 Other Liabilities: ...............................................839 Subordinated Debt: ..............................................0 Total Liabilities: .........................................112,152 Total Equity Capital and Reserves: .............10,632 Total Liabilities and Capital:.......................122,784 Number of Shares Outstanding: ..................17,811 Directors: Rex Bouldin; Preston L. Clark; George E. Cook; Moud Gazaway; Charles F. Luter; Warren E. Luter; Arthur Pillow; Greg Sain Branches in Town: One Other Branches: Rector 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 SVP: Cathy Johnston Pres: Greg Miller SVP: Keith Milligan Cash and Due from: .........................................720 Deposits:.....................................................20,583 Federal Funds and Repos:............................3,115 Federal Funds and Borrowings:............................0 Investments:..................................................1,167 Other Liabilities: ...............................................118 Total Loans: ................................................17,576 Subordinated Debt: ..............................................0 Premises and Fixed Assets: ..........................1,160 Total Liabilities: ...........................................20,701 Other Real Estate:................................................0 Other Assets: ...................................................371 Total Equity Capital and Reserves: ...............3,408 Total Assets: ...............................................24,109 Total Liabilities and Capital:.........................24,109 Total Trust Assets: ...............................................0 Number of Shares Outstanding: .............3,742,677 Directors: Asa Crow; Howard Eldridge; David Holbrook; Charles Lindy Miller; Greg Miller; Lindy Miller; Louise Miller; Donald Parker Branches in Town: None Other Branches: Jonesboro Eighty-Seventh Report 85 Delta Trust & Bank Parkdale, AR VOICE: (870) 473-2217 FAX: (870) 473-2492 Population: 393 1853 Hwy. 165 South Charter Number: 141 P. O. Box 37 Date: February 1, 1910 71661-0037 County: Ashley 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:...................................... 5,402 Federal Funds and Repos: .................................. 0 Investments: ............................................... 15,261 Total Loans:................................................ 69,696 Premises and Fixed Assets:.......................... 3,337 Other Real Estate: ............................................. 68 Other Assets:................................................ 2,082 Total Assets:............................................... 95,846 Total Trust Assets:...................................... 19,063 Deposits: .................................................... 78,188 Federal Funds and Borrowings: .................... 4,431 Other Liabilities: ............................................... 631 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 83,250 Total Equity Capital and Reserves: ............. 12,596 Total Liabilities and Capital: ........................ 95,846 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; Ernest O'Neal; Carroll Penick; Augustus H. Pugh; Frank A. Pugh; George L. Pugh; Leyden Pugh; Thomas R. Pugh, Jr.; Thomas R. Pugh, Sr.; Neill Sloan Branches in Town: None Other Branches: Eudora, Hamburg, Little Rock (3), Wilmot 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 CEO/Pres: Edward M. King, III Cash and Due from:...................................... 4,903 Federal Funds and Repos: ........................... 1,900 Investments: ............................................... 10,050 Total Loans:................................................ 24,546 Premises and Fixed Assets:............................. 489 Other Real Estate: ........................................... 696 Other Assets:................................................ 1,050 Total Assets:............................................... 43,634 Total Trust Assets:............................................... 0 Deposits: .................................................... 36,333 Federal Funds and Borrowings: .................... 4,000 Other Liabilities: ............................................... 506 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 40,839 Total Equity Capital and Reserves: ............... 2,795 Total Liabilities and Capital: ........................ 43,634 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; J. E. McNeil, Jr.; James K. Wyatt Branches in Town: None Other Branches: Earle, Marion, West Memphis 86 Arkansas State Bank Department 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 Trust Powers: No Bank Holding Company Perry County Bancshares, Inc., Perryville, AR Chm: Robert M. Hill SVP: Joe Carter CEO/Pres: Steven Thresher SVP: Laura Hopper Cash and Due from: ......................................2,635 Federal Funds and Repos:...............................705 Investments:................................................27,508 Total Loans: ................................................67,817 Premises and Fixed Assets: ..........................2,206 Other Real Estate:............................................432 Other Assets: ................................................1,505 Total Assets: ............................................. 102,808 Total Trust Assets: ...............................................0 Deposits:.....................................................88,340 Federal Funds and Borrowings:.....................5,339 Other Liabilities: ...............................................729 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................94,408 Total Equity Capital and Reserves: ...............8,400 Total Liabilities and Capital:.......................102,808 Number of Shares Outstanding: ..................16,000 Directors: Billie Jo Branscum; Herby Branscum, Jr.; James S. Branscum; Lee Gibbons; Robert M. Hill; Shirley Hill; J. Baylor House; Tracy M. Price; Jim Rankin; Charles V. Roland, Sr. Branches in Town: None Other Branches: Bigelow, Morrilton Piggott State Bank Piggott, AR VOICE: (870) 598-3802 FAX: (870) 598-2026 Population: 3,777 212 West Cherry Charter Number: 613 P. O. Box 307 Date: March 10, 1930 72454-0307 County: Clay 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: ......................................3,476 Federal Funds and Repos:............................2,500 Investments:................................................19,512 Total Loans: ................................................34,349 Premises and Fixed Assets: .............................777 Other Real Estate:................................................0 Other Assets: ...................................................600 Total Assets: ...............................................61,214 Total Trust Assets: ...............................................0 Deposits:.....................................................54,706 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................580 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................55,286 Total Equity Capital and Reserves: ...............5,928 Total Liabilities and Capital:.........................61,214 Number of Shares Outstanding: ....................4,000 Directors: Steve Bell; Paula O. Blackwell; James C. Poole Branches in Town: One Other Branches: None Eighty-Seventh Report 87 First State Bank Plainview, AR VOICE: (501) 272-4221 FAX: (501) 272-4154 Population: 685 Main & Broadway Charter Number: 663 P. O. Box 277 Date: January 12, 1934 72857-0277 County: Yell Trust Powers: No Bank Holding Company Clement Bancshares, Inc., Plainview, AR Chm/Pres: Charles Blanchard EVP: Scott Hill VChm: Don C. Guess Cash and Due from:...................................... 5,199 Federal Funds and Repos: ........................... 3,850 Investments: ............................................... 27,779 Total Loans:.............................................. 131,747 Premises and Fixed Assets:.......................... 4,043 Other Real Estate: ............................................. 17 Other Assets:................................................ 6,124 Total Assets:............................................. 178,759 Total Trust Assets:............................................... 0 Deposits: .................................................. 142,158 Federal Funds and Borrowings: .................. 22,290 Other Liabilities: ............................................... 752 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 165,200 Total Equity Capital and Reserves: ............. 13,559 Total Liabilities and Capital: ...................... 178,759 Number of Shares Outstanding:.................. 20,000 Directors: Charles Blanchard; Don C. Guess; Mike Miller; George Tippin; C. Tim White; Phil Wright Branches in Town: None Other Branches: Ola, Russellville (2) 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 Home Page: www.bankopoc.com Trust Powers: No Bank Holding Company Pocahontas Bankstock, Inc., Pocahontas, AR Chm/CEO/Pres: John R. Jackson, Jr. VP: Karen B. Martin EVP: Ronald E. Wurtz VP: Michael L. Miller Cash and Due from:...................................... 4,806 Federal Funds and Repos: ........................... 6,400 Investments: ............................................... 16,263 Total Loans:.............................................. 100,006 Premises and Fixed Assets:.......................... 4,391 Other Real Estate: ........................................... 228 Other Assets:................................................ 2,814 Total Assets:............................................. 134,908 Total Trust Assets:............................................... 0 Deposits: .................................................. 109,520 Federal Funds and Borrowings: .................. 12,412 Other Liabilities: ............................................... 658 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 122,590 Total Equity Capital and Reserves: ............. 12,318 Total Liabilities and Capital: ...................... 134,908 Number of Shares Outstanding:.................... 5,000 Directors: Carol Belford-Lewallen; Frank Bigger; Don R. Cox; Phillip Futrell; John R. Jackson, Jr.; Michael L. McNabb; Ronald E. Wurtz Branches in Town: One Other Branches: Cave City, Imboden 88 Arkansas State Bank Department The Peoples Bank Portland, AR VOICE: (870) 737-2236 FAX: (870) 737-2816 Population: 560 Main Street Charter Number: 251 P. O. Box 178 Date: January 22, 1908 71663-0178 County: Ashley Trust Powers: No Bank Holding Company Mainline Bankshares of Portland, Inc., Portland, AR Chm/CEO/Pres: Tipton Pugh Cash: Julia A. Sadler VP: Mary Dean Pugh Cash and Due from: .........................................496 Federal Funds and Repos:...................................0 Investments:..................................................2,479 Total Loans: ..................................................3,098 Premises and Fixed Assets: ...............................48 Other Real Estate:..............................................36 Other Assets: .....................................................80 Total Assets: .................................................6,237 Total Trust Assets: ...............................................0 Deposits:.......................................................4,526 Federal Funds and Borrowings:........................620 Other Liabilities: .................................................11 Subordinated Debt: ..............................................0 Total Liabilities: .............................................5,157 Total Equity Capital and Reserves: ...............1,080 Total Liabilities and Capital:...........................6,237 Number of Shares Outstanding: ....................4,000 Directors: John T. Pugh, Jr.; Mary Dean Pugh; Suzanne R. Pugh; Tipton Pugh; Roy C. Tarvin Branches in Town: None Other Branches: None 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: Robert D. Pugh SVP: Chris Lampkin CEO/Pres: Jerry D. Sadler Cash and Due from: ......................................1,449 Federal Funds and Repos:............................1,365 Investments:..................................................9,603 Total Loans: ................................................42,195 Premises and Fixed Assets: ..........................2,038 Other Real Estate:................................................4 Other Assets: ...................................................926 Total Assets: ...............................................57,580 Total Trust Assets: ...............................................0 Charter Number: 57 Date: April 23, 1900 County: Ashley Deposits:.....................................................49,124 Federal Funds and Borrowings:.....................3,715 Other Liabilities: ...............................................583 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................53,422 Total Equity Capital and Reserves: ...............4,158 Total Liabilities and Capital:.........................57,580 Number of Shares Outstanding: ..................20,000 Directors: Mack Borgognoni; C. E. Bridewell; Benton Newcome; Joel Newcome; Robert D. Pugh; Jerry D. Sadler; Eddie Scherm Branches in Town: None Other Branches: Crossett, Monticello (2) Eighty-Seventh Report 89 The Farmers & Merchants Bank Prairie Grove, AR VOICE: (501) 846-2115 FAX: (501) 846-3942 Population: 1,761 102 East Buchanan Charter Number: 166 P. O. Box 207 Date: August 29, 1904 72753-0207 County: Washington Home Page: www.fmb.arvest.com Trust Powers: No Member of Federal Reserve System Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm: Jim C. Walton EVP: Steven L. Purdy CEO/Pres: Gregory D. Reed SVP: Jenny Stinchcomb Cash and Due from:...................................... 1,952 Federal Funds and Repos: ........................... 7,575 Investments: ............................................... 23,723 Total Loans:................................................ 81,731 Premises and Fixed Assets:.......................... 3,164 Other Real Estate: ............................................. 51 Other Assets:................................................ 2,110 Total Assets:............................................. 120,306 Total Trust Assets:............................................... 0 Deposits: .................................................. 106,871 Federal Funds and Borrowings: .................... 2,906 Other Liabilities: ............................................... 990 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 110,767 Total Equity Capital and Reserves: ............... 9,539 Total Liabilities and Capital: ...................... 120,306 Number of Shares Outstanding:.................. 12,000 Directors: Doyle Baker; Billy J. Bartholomew; Michael E. Bartholomew; Michael H. Fidler; David M. Parks; Gregory D. Reed; James C. Rieff; Jim C. Walton Branches in Town: None Other Branches: Farmington, Lincoln, West Fork Bank of Prescott Prescott, AR VOICE: (870) 887-2688 FAX: (870) 887-6822 Population: 3,673 East Second at Main Charter Number: 162 Drawer 490 Date: August 10, 1904 71857-0490 County: Nevada Home Page: www.bankofprescott.com Trust Powers: Yes Bank Holding Company First State Holding Company of Prescott, 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:...................................... 1,745 Federal Funds and Repos: ........................... 7,660 Investments: ............................................... 32,466 Total Loans:................................................ 28,580 Premises and Fixed Assets:............................. 580 Other Real Estate: ............................................. 86 Other Assets:................................................ 1,588 Total Assets:............................................... 72,705 Total Trust Assets:............................................... 0 Deposits: .................................................... 64,480 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 357 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 64,837 Total Equity Capital and Reserves: ............... 7,868 Total Liabilities and Capital: ........................ 72,705 Number of Shares Outstanding:.................. 24,000 Directors: John Warren Brannan, Jr.; John Warren Brannan, Sr.; 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 90 Arkansas State Bank Department 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 AVP: Cliff Hopson AVP/Cash: Judy Thompson Cash and Due from: ......................................1,628 Federal Funds and Repos:............................4,700 Investments:................................................11,590 Total Loans: ................................................11,367 Premises and Fixed Assets: .............................150 Other Real Estate:..............................................23 Other Assets: ................................................1,074 Total Assets: ...............................................30,532 Total Trust Assets: ...............................................0 Deposits:.....................................................26,230 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................242 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................26,472 Total Equity Capital and Reserves: ...............4,060 Total Liabilities and Capital:.........................30,532 Number of Shares Outstanding: ....................4,000 Directors: John W. Elrod; James R. Hopson; Ray B. Martin; James L. Moore, III; James L. Moore, Jr. Branches in Town: None Other Branches: None Arvest Bank Rogers, AR VOICE: (501) 636-1975 FAX: (501) 621-1795 Population: 33,000 201 West Walnut Charter Number: 783 P. O. Box 809 Date: January 1, 1915 72757-0809 County: Benton Home Page: www.Arvest.com Trust Powers: No Member of Federal Reserve System Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm: Carl E. Baggett EVP: Marilyn Barnes Pres: Robert V. Brothers EVP: Jerry C. Carmichael Cash and Due from: ....................................14,735 Federal Funds and Repos:..........................54,369 Investments:................................................72,717 Total Loans: .............................................. 442,051 Premises and Fixed Assets: ........................13,440 Other Real Estate:............................................586 Other Assets: ..............................................15,477 Total Assets: ............................................. 613,375 Total Trust Assets: ...............................................0 Deposits:...................................................487,967 Federal Funds and Borrowings:...................68,011 Other Liabilities: ............................................3,961 Subordinated Debt: ..............................................0 Total Liabilities: .........................................559,939 Total Equity Capital and Reserves: .............53,436 Total Liabilities and Capital:.......................613,375 Number of Shares Outstanding: ..................27,800 Directors: Carl E. Baggett; Susan Barrett; Robert V. Brothers; Richard I. Daniel; Dr. Janie Darr; Kenneth B. Ewing; Reece Garner; Dr. Rob Lewis; Dr. Robert Matlock; Matt Mawby; David A. Powell; Charles Reaves; Donald G. Soderquist; Richard R. Trammel; Jim C. Walton Branches in Town: Three Other Branches: Berryville (2), Cayman Islands, Eureka Springs (2), Harrison, Lowell, Pea Ridge Eighty-Seventh Report 91 Bank of Rogers Rogers, AR VOICE: (501) 621-6800 FAX: (501) 621-6801 Population: 33,000 Pres: Dick McLelland EVP: Guy J. Cable 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 SVP: Scott Franklin VP: Pamela Evans Cash and Due from:...................................... 2,971 Federal Funds and Repos: ........................... 6,320 Investments: ............................................... 12,221 Total Loans:................................................ 66,078 Premises and Fixed Assets:.......................... 1,232 Other Real Estate: ............................................... 0 Other Assets:................................................ 3,439 Total Assets:............................................... 92,261 Total Trust Assets:............................................... 0 Deposits: .................................................... 80,095 Federal Funds and Borrowings: .................... 3,500 Other Liabilities: ............................................... 699 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 84,294 Total Equity Capital and Reserves: ............... 7,967 Total Liabilities and Capital: ........................ 92,261 Number of Shares Outstanding:.................. 32,150 Directors: Roland Julian; Dick McLelland; Virginia Mocivnik; Jerry Pittman; Kent Rylee; Tony Steele; David Swearingen; Lewis Yarborough Branches in Town: One Other Branches: Centerton, Lowell Simmons First Bank of Northwest Arkansas Rogers, AR VOICE: (501) 636-0884 FAX: (501) 636-7114 Population: 33,000 111 North 8th Street Charter Number: 672 P. O. Box 1803 Date: July 8, 1935 72756 County: Benton Trust Powers: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Joe S. Mills SVP: Rick Twist SVP: Gail Jordan VP/Cash: Darlene Cheatham Cash and Due from:.................................... 10,425 Federal Funds and Repos: .............................. 920 Investments: ............................................... 33,106 Total Loans:.............................................. 152,780 Premises and Fixed Assets:.......................... 6,723 Other Real Estate: ........................................... 573 Other Assets:................................................ 9,878 Total Assets:............................................. 214,405 Total Trust Assets:............................................... 0 Deposits: .................................................. 187,667 Federal Funds and Borrowings: .................... 2,902 Other Liabilities: ............................................ 1,434 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 192,003 Total Equity Capital and Reserves: ............. 22,402 Total Liabilities and Capital: ...................... 214,405 Number of Shares Outstanding:.................. 18,000 Directors: Marvin Griffin; Dorothy Hanby; Craig Hunt; Joe S. Mills; Loyd R. Swope; Jim Tull; Sonya Jones Yates Branches in Town: One Other Branches: Bella Vista, Fayetteville (3), Lincoln, Prairie Grove, Siloam Springs, Springdale (2) 92 Arkansas State Bank Department First Arkansas Valley Bank Russellville, AR VOICE: (501) 967-2151 FAX: (501) 967-1456 Population: 21,260 401 North Arkansas Avenue Charter Number: 714 P. O. Box 4026 Date: August 29, 1961 72811 County: Pope Trust Powers: Yes Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm/CEO: Roy A. Reaves EVP: Michael A. Jacimore Pres: Benny R. Harris VP/TO: Ellen Tarkington Cash and Due from: ......................................6,564 Federal Funds and Repos:...................................0 Investments:................................................82,961 Total Loans: .............................................. 175,223 Premises and Fixed Assets: ..........................4,882 Other Real Estate:............................................259 Other Assets: ................................................7,740 Total Assets: ............................................. 277,629 Total Trust Assets: ......................................12,782 Deposits:...................................................233,161 Federal Funds and Borrowings:...................20,267 Other Liabilities: ............................................1,862 Subordinated Debt: ..............................................0 Total Liabilities: .........................................255,290 Total Equity Capital and Reserves: .............22,339 Total Liabilities and Capital:.......................277,629 Number of Shares Outstanding: ..................78,329 Directors: John Ed Chambers, III; Luke Duffield; Dain Duvall; Ray L. Ferguson; Nathan V. George; Benny R. Harris; Don Helms; Carl Rackley; Roy A. Reaves; Donald C. Riley; Gene D. Ring; Ray L. Robinson; Robert Y. Taylor; Michael Warren Branches in Town: Two Other Branches: Atkins, Dardanelle (2), Pottsville River Valley Bank Russellville, AR VOICE: (501) 498-2265 FAX: (501) 498-2259 Population: 21,260 405 West Main Street Charter Number: 768 P. O. Box 1420 Date: April 14, 1997 72811-1420 County: Pope Trust Powers: No Bank Holding Company RVB Bancshares, Inc., Russellville, AR CEO/Pres: James Biggers SVP: Robert E. Dale EVP/CFO: Judy Lawton SVP: Sherry L. Jeffery Cash and Due from: ......................................1,461 Federal Funds and Repos:............................2,065 Investments:..................................................1,600 Total Loans: ................................................37,617 Premises and Fixed Assets: ..........................1,377 Other Real Estate:................................................0 Other Assets: ...................................................878 Total Assets: ...............................................44,998 Total Trust Assets: ...............................................0 Deposits:.....................................................40,494 Federal Funds and Borrowings:........................686 Other Liabilities: ...............................................297 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................41,477 Total Equity Capital and Reserves: ...............3,521 Total Liabilities and Capital:.........................44,998 Number of Shares Outstanding: ..................13,268 Directors: James Bibler; James Biggers; Dr. Charles Boyce; Terry Freeman; James Johnson; Judy Lawton; Alex Streett; Mac Van Horn Branches in Town: None Other Branches: None Eighty-Seventh Report 93 Simmons First Bank of Russellville Russellville, AR VOICE: (501) 967-8000 FAX: (501) 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 EVP: Max Sherry Pres: Gene Thomason EVP: Denton Tumbleson Cash and Due from:...................................... 6,943 Federal Funds and Repos: ........................... 6,575 Investments: ............................................... 38,771 Total Loans:.............................................. 135,640 Premises and Fixed Assets:.......................... 5,854 Other Real Estate: ........................................... 154 Other Assets:.............................................. 21,998 Total Assets:............................................. 215,935 Total Trust Assets:............................................... 0 Deposits: .................................................. 162,842 Federal Funds and Borrowings: .................... 4,352 Other Liabilities: ............................................ 2,320 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 169,514 Total Equity Capital and Reserves: ............. 46,421 Total Liabilities and Capital: ...................... 215,935 Number of Shares Outstanding:.................. 10,000 Directors: Leon Anderson; Terry Bowie; Keith Cogswell; Ronald B. Jackson; Allen Laws, III; Johnny Morgan; Tom Spillyards; Ed Stingley; 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:...................................... 3,251 Federal Funds and Repos: ........................... 1,565 Investments: ................................................. 9,574 Total Loans:................................................ 71,933 Premises and Fixed Assets:.......................... 1,582 Other Real Estate: ........................................... 514 Other Assets:................................................ 2,432 Total Assets:............................................... 90,851 Total Trust Assets:............................................... 0 Deposits: .................................................... 79,002 Federal Funds and Borrowings: .................... 2,270 Other Liabilities: ............................................... 529 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 81,801 Total Equity Capital and Reserves: ............... 9,050 Total Liabilities and Capital: ........................ 90,851 Number of Shares Outstanding:.................. 20,000 Directors: L. R. "Jack" Cochran; Mark Montgomery; Marvin Newton; C. Dwayne Plumlee; Richard T. Smith Branches in Town: None Other Branches: Viola 94 Arkansas State Bank Department Logan County Bank Scranton, AR VOICE: (501) 938-2511 FAX: (501) 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: ......................................2,379 Federal Funds and Repos:............................1,220 Investments:................................................21,995 Total Loans: ................................................21,401 Premises and Fixed Assets: .............................496 Other Real Estate:..............................................67 Other Assets: ...................................................679 Total Assets: ...............................................48,237 Total Trust Assets: ...............................................0 Charter Number: 578 Date: April 7, 1926 County: Logan Deposits:.....................................................40,167 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................173 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................40,340 Total Equity Capital and Reserves: ...............7,897 Total Liabilities and Capital:.........................48,237 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 FAX: (501) 279-3486 Population: 18,000 314 North Spring P. O. Box 1009 72145-1009 Home Page: 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: ....................................15,895 Federal Funds and Repos:..........................17,290 Investments:.............................................. 134,195 Total Loans: .............................................. 491,320 Premises and Fixed Assets: ........................19,189 Other Real Estate:.........................................1,013 Other Assets: ..............................................11,179 Total Assets: ............................................. 690,081 Total Trust Assets: ......................................63,582 Charter Number: 649 Date: February 6, 1932 County: White Deposits:...................................................630,425 Federal Funds and Borrowings:........................453 Other Liabilities: ............................................3,440 Subordinated Debt: ..............................................0 Total Liabilities: .........................................634,318 Total Equity Capital and Reserves: .............55,763 Total Liabilities and Capital:.......................690,081 Number of Shares Outstanding: ..................24,000 Directors: Dr. David Burks; Larry Crain; Robert Elliott; Steve Lightle; John McKnight; Wayne Ridout; Porter Rodgers; 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 (2), Griffithville, Heber Springs (2), Judsonia, McRae, Pangburn, Rogers, Springdale Eighty-Seventh Report 95 Simmons First Bank of Searcy Searcy, AR VOICE: (501) 268-7575 FAX: (501) 279-3059 Population: 18,000 125 North Poplar Charter Number: 528 P. O. Box 1349 Date: February 17, 1922 72145-1349 County: White Home Page: www.Simmons-Searcy.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: Gene Trammel Cash and Due from:...................................... 4,572 Federal Funds and Repos: .................................. 0 Investments: ............................................... 31,437 Total Loans:................................................ 89,103 Premises and Fixed Assets:.......................... 2,056 Other Real Estate: ............................................. 52 Other Assets:................................................ 7,761 Total Assets:............................................. 134,981 Total Trust Assets:............................................... 0 Deposits: .................................................. 108,287 Federal Funds and Borrowings: .................... 9,608 Other Liabilities: ............................................... 974 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 118,869 Total Equity Capital and Reserves: ............. 16,112 Total Liabilities and Capital: ...................... 134,981 Number of Shares Outstanding:.................. 10,000 Directors: Frank Carder; Richard Cargile; Jim Carr; Stuart Dalrymple; Brooks Davis; Dennis Donovan; Al Fowler; Dr. Gene Joseph; Chris Rainbolt; Glen Rambin; Lee Stephenson 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 1120 South Rock Street Charter Number: 786 P. O. Box 460 Date: September 11, 2000 72150 County: Grant Trust Powers: No Bank Holding Company None VP: G. Jannette Jones Cash and Due from:......................................... 878 Federal Funds and Repos: ........................... 6,215 Investments: ................................................. 4,329 Total Loans:................................................ 17,118 Premises and Fixed Assets:............................. 335 Other Real Estate: ............................................... 0 Other Assets:................................................... 288 Total Assets:............................................... 29,163 Total Trust Assets:............................................... 0 Deposits: .................................................... 25,061 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 79 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 25,140 Total Equity Capital and Reserves: ............... 4,023 Total Liabilities and Capital: ........................ 29,163 Number of Shares Outstanding:.................. 40,562 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; Al Upton; David L. Wells; W. A. Winston Branches in Town: None Other Branches: None 96 Arkansas State Bank Department Arkansas State Bank Siloam Springs, AR VOICE: (501) 524-8101 FAX: (501) 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: www.arkstatebank.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Arkansas State Bancshares, Inc., Siloam Springs, AR CEO/Pres: Arthur Morris EVP/TO: Curtis Hutchins EVP/Cash: Beverly Lescard Cash and Due from: ......................................4,270 Federal Funds and Repos:............................2,450 Investments:................................................30,744 Total Loans: ................................................67,502 Premises and Fixed Assets: ..........................3,252 Other Real Estate:..............................................89 Other Assets: ................................................1,887 Total Assets: ............................................. 110,194 Total Trust Assets: ........................................8,954 Deposits:.....................................................85,131 Federal Funds and Borrowings:..........................73 Other Liabilities: ...............................................498 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................85,702 Total Equity Capital and Reserves: .............24,492 Total Liabilities and Capital:.......................110,194 Number of Shares Outstanding: ..................72,000 Directors: Delbert Allen, Jr.; Robert H. Brown; Paul Church; H. E. Harrison, Jr.; Arthur Morris; Mark Simmons; Duane Thomas Branches in Town: Two Other Branches: Gentry, Springdale First Arvest Bank Siloam Springs, AR VOICE: (501) 524-6404 FAX: (501) 549-1296 Population: 8,151 1645 Highway 412 West Charter Number: 780 P. O. Box 130 Date: June 24, 1999 72761-0130 County: Benton Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Siloam Springs Bancshares, Inc., Bentonville, AR Pres: Warren Fields SVP: Nellie J. Goodman SVP: Clifford Gibbs VP: Martha Walker Cash and Due from: ......................................6,950 Federal Funds and Repos:..........................21,475 Investments:................................................31,947 Total Loans: .............................................. 184,472 Premises and Fixed Assets: ..........................3,791 Other Real Estate:............................................254 Other Assets: ................................................6,095 Total Assets: ............................................. 254,984 Total Trust Assets: ...............................................0 Deposits:...................................................216,461 Federal Funds and Borrowings:...................16,167 Other Liabilities: ............................................2,112 Subordinated Debt: ..............................................0 Total Liabilities: .........................................234,740 Total Equity Capital and Reserves: .............20,244 Total Liabilities and Capital:.......................254,984 Number of Shares Outstanding: ................100,000 Directors: Lee Balzer; Mary Benjamin; Lynch Butler; Warren Fields; Linda Gregory; Beverly Jones; Grady Lamb; Railey Steele; Jim C. Walton; Marion K. Wasson Branches in Town: One Other Branches: Gentry, Jay, OK, Kansas, OK, Stilwell, OK, Westville, OK Eighty-Seventh Report 97 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 Pres/CEO: Bob Willett SVP/TO: James B. Yeager SVP: J. Drew Tennyson VP/TO: Vicki Davis Cash and Due from:...................................... 2,831 Federal Funds and Repos: ........................... 6,675 Investments: ............................................... 31,289 Total Loans:................................................ 65,144 Premises and Fixed Assets:............................. 475 Other Real Estate: ............................................. 47 Other Assets:................................................ 1,415 Total Assets:............................................. 107,876 Total Trust Assets:........................................ 2,011 Deposits: .................................................... 94,737 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 733 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 95,470 Total Equity Capital and Reserves: ............. 12,406 Total Liabilities and Capital: ...................... 107,876 Number of Shares Outstanding:................ 100,000 Directors: Gary DeYampert; J. Drew Tennyson; James M. Tennyson; John D. Trimble; Bob Willett; James B. Yeager Branches in Town: None Other Branches: El Dorado, Norphlet 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 VP: Patricia Wright Cash and Due from:......................................... 917 Federal Funds and Repos: ........................... 3,620 Investments: ................................................. 5,187 Total Loans:................................................ 26,382 Premises and Fixed Assets:............................. 438 Other Real Estate: ............................................... 0 Other Assets:................................................... 901 Total Assets:............................................... 37,445 Total Trust Assets:............................................... 0 Deposits: .................................................... 31,632 Federal Funds and Borrowings: .................... 3,000 Other Liabilities: ............................................... 138 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 34,770 Total Equity Capital and Reserves: ............... 2,675 Total Liabilities and Capital: ........................ 37,445 Number of Shares Outstanding:.................... 3,000 Directors: Stephen C. Davis; G. W. DeLaughter; Charles T. Gaston; David Matchet; Walter Quinn Branches in Town: None Other Branches: None 98 Arkansas State Bank Department Springdale Bank and Trust Springdale, AR VOICE: (501) 756-7000 FAX: (501) 756-7077 Population: 29,941 415 West Emma Charter Number: 339 P. O. Box 5000 Date: May 6, 1911 72765-5000 County: Washington Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR CEO/Pres: Dennis Smiley EVP: Kent Williamson SVP: Kathy Carlock VP/TO: Tommy Karr Cash and Due from: ......................................9,565 Federal Funds and Repos:..........................11,275 Investments:................................................28,927 Total Loans: .............................................. 234,235 Premises and Fixed Assets: ..........................6,670 Other Real Estate:..............................................44 Other Assets: ..............................................12,590 Total Assets: ............................................. 303,306 Total Trust Assets: ...............................................0 Deposits:...................................................248,158 Federal Funds and Borrowings:...................19,770 Other Liabilities: ............................................2,816 Subordinated Debt: ..............................................0 Total Liabilities: .........................................270,744 Total Equity Capital and Reserves: .............32,562 Total Liabilities and Capital:.......................303,306 Number of Shares Outstanding: ....................5,500 Directors: James Baker; Rick Barrows, Wayne Britt; Joy Drummonds; Sammy Fiser; Mitchell Johnson; Buddy D. Philpot; Stephen Shaddox; Dennis Smiley, Philip Taldo; Willard Walker; Jim C. Walton; Bob Wood, Buddy Wray Branches in Town: Five Other Branches: Hindsville, Huntsville Bodcaw Bank Stamps, AR VOICE: (870) 533-4486 FAX: (870) 533-4456 Population: 2,478 Pres: J. Paul Nipper 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 Cash: Brenda Scroggins Cash and Due from: ......................................1,387 Federal Funds and Repos:............................7,985 Investments:................................................34,357 Total Loans: ................................................17,558 Premises and Fixed Assets: .............................118 Other Real Estate:................................................0 Other Assets: ...................................................534 Total Assets: ...............................................61,939 Total Trust Assets: ...............................................0 Deposits:.....................................................50,492 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................850 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................51,342 Total Equity Capital and Reserves: .............10,597 Total Liabilities and Capital:.........................61,939 Number of Shares Outstanding: ..................10,000 Directors: Charles L. Cabe, Jr.; Billie J. Nipper; J. Paul Nipper; Cynthia Cook Sandefur; Danny K. Smith; J. Woodrow Smith Branches in Town: None Other Branches: None Eighty-Seventh Report 99 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. VP: Mary Womack Pres: R. Mark Owen Cash and Due from:...................................... 7,729 Federal Funds and Repos: .................................. 0 Investments: ............................................... 35,386 Total Loans:................................................ 43,043 Premises and Fixed Assets:.......................... 3,518 Other Real Estate: ............................................. 15 Other Assets:................................................ 1,330 Total Assets:............................................... 91,021 Total Trust Assets:............................................... 0 Charter Number: 567 Date: April 27, 1925 County: Lincoln Deposits: .................................................... 76,755 Federal Funds and Borrowings: .................... 4,763 Other Liabilities: ............................................... 370 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 81,888 Total Equity Capital and Reserves: ............... 9,133 Total Liabilities and Capital: ........................ 91,021 Number of Shares Outstanding:.................. 15,000 Directors: Robert S. Floyd; Bill Frizzell; Keith Griffin; Lucille Ollar; R. Mark Owen; Bennie F. Ryburn, Jr.; Marion Ryburn; Weldon Wynn 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:......................................... 865 Federal Funds and Repos: ........................... 1,000 Investments: ................................................. 8,970 Total Loans:................................................ 17,737 Premises and Fixed Assets:............................. 179 Other Real Estate: ........................................... 190 Other Assets:................................................... 856 Total Assets:............................................... 29,797 Total Trust Assets:............................................... 0 Deposits: .................................................... 26,374 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 175 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 26,549 Total Equity Capital and Reserves: ............... 3,248 Total Liabilities and Capital: ........................ 29,797 Number of Shares Outstanding:.................. 11,000 Directors: Duncan Grayson; Carol Reaves; Guy Smith; Richard T. Smith; Colon Watson; Jay C. Wilson Branches in Town: None Other Branches: None Arkansas State Bank Department 100 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 947 Date: December 29, 1944 72160-0947 County: Arkansas Home Page: 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: ......................................6,736 Federal Funds and Repos:............................1,940 Investments:................................................50,920 Total Loans: .............................................. 128,490 Premises and Fixed Assets: ..........................1,535 Other Real Estate:............................................107 Other Assets: ................................................9,091 Total Assets: ............................................. 198,819 Total Trust Assets: ......................................46,477 Deposits:...................................................155,801 Federal Funds and Borrowings:...................13,795 Other Liabilities: ............................................1,319 Subordinated Debt: ..............................................0 Total Liabilities: .........................................170,915 Total Equity Capital and Reserves: .............27,904 Total Liabilities and Capital:.......................198,819 Number of Shares Outstanding: ................100,000 Directors: Jerry Carter; Nicky Hargrove; 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, Hazen Century Bank - Arkansas Texarkana, AR VOICE: (870) 774-5505 FAX: (870) 779-1190 Population: 22,631 Charter Number: 61 3601 East 9th Street Date: March 9, 1935 71854 County: Miller Trust Powers: No Bank Holding Company Century Bancshares, Inc., New Boston, TX Chm/CEO: Joe Nichols Sec: Martha Wisdom Pres: Kevin Huff Cash and Due from: .........................................543 Federal Funds and Repos:............................5,200 Investments:.........................................................0 Total Loans: ................................................13,238 Premises and Fixed Assets: .............................100 Other Real Estate:................................................0 Other Assets: ...................................................444 Total Assets: ...............................................19,525 Total Trust Assets: ...............................................0 Deposits:.....................................................16,036 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................128 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................16,164 Total Equity Capital and Reserves: ...............3,361 Total Liabilities and Capital:.........................19,525 Number of Shares Outstanding: ..................38,339 Directors: Anita Arnold; Greg Arnold; Truman Arnold; Jim Day; Dr. Frederick Joyce; Ronny Looney; John H. McCoy; Dr. E. B. McGee; Joe Nichols; Cary Patterson; Hiram Shute; Martha Wisdom Branches in Town: None Other Branches: None Eighty-Seventh Report 101 Bank of Trumann Trumann, AR VOICE: (870) 483-6333 FAX: (870) 483-7512 Population: 6,304 CEO/Pres: John R. Gillette VP: Carroll D. Anderson 326 Hwy 463 Charter Number: 354 P. O. Box 48 Date: October 2, 1911 72472-0048 County: Poinsett Trust Powers: No Bank Holding Company None Cash: Cheryl McMasters AVP: Shirley Benson Cash and Due from:...................................... 1,435 Federal Funds and Repos: ........................... 1,285 Investments: ............................................... 39,627 Total Loans:................................................ 40,110 Premises and Fixed Assets:............................. 225 Other Real Estate: ............................................... 5 Other Assets:................................................ 1,370 Total Assets:............................................... 84,057 Total Trust Assets:............................................... 0 Deposits: .................................................... 66,533 Federal Funds and Borrowings: .................... 5,000 Other Liabilities: ............................................ 1,066 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 72,599 Total Equity Capital and Reserves: ............. 11,458 Total Liabilities and Capital: ........................ 84,057 Number of Shares Outstanding:.................. 60,000 Directors: Carroll D. Anderson; Alice Clogston; John R. Gillette; Noyl Houston; Eugene Pounds; Clyde Robertson, Jr.; Natalie Stuckey Branches in Town: None Other Branches: None Citizens Bank & Trust Company Van Buren, AR VOICE: (501) 474-1201 FAX: (501) 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: www.cbankandtrust.com 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:.................................... 12,831 Federal Funds and Repos: .................................. 0 Investments: ............................................... 43,024 Total Loans:.............................................. 140,298 Premises and Fixed Assets:.......................... 4,655 Other Real Estate: ............................................... 0 Other Assets:................................................ 6,460 Total Assets:............................................. 207,268 Total Trust Assets:........................................ 5,234 Deposits: .................................................. 180,016 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 2,572 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 182,588 Total Equity Capital and Reserves: ............. 24,680 Total Liabilities and Capital: ...................... 207,268 Number of Shares Outstanding:.................. 16,000 Directors: Jimmy G. Bell; 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 Arkansas State Bank Department 102 First Community Bank of Crawford County Van Buren, AR VOICE: (501) 471-5400 Charter Number: 784 FAX: (501) 471-5404 2925 Alma Highway, Suite A Date: July 7, 2000 Population: 14,979 72950 County: Crawford Home Page: www.firstcommunity-bank.com Trust Powers: No Bank Holding Company None Chm: Tim Wise EVP: Gary R. Miller Pres: Larry D. Hurst Cash: Cheryl A. Mathews Cash and Due from: ......................................1,978 Federal Funds and Repos:............................2,935 Investments:..................................................2,604 Total Loans: ................................................14,572 Premises and Fixed Assets: .............................502 Other Real Estate:................................................0 Other Assets: ...................................................427 Total Assets: ...............................................23,018 Total Trust Assets: ...............................................0 Deposits:.....................................................19,955 Federal Funds and Borrowings:............................0 Other Liabilities: .................................................66 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................20,021 Total Equity Capital and Reserves: ...............2,997 Total Liabilities and Capital:.........................23,018 Number of Shares Outstanding: .............3,293,000 Directors: James Crawford; James D. Garner; John Hall; Tim Hodges; Richard Hodo; Larry D. Hurst; Mark Manes; Gary R. Miller; Dr. Wendell Ross; Tim Wise Branches in Town: None Other Branches: None Bank of Waldron Waldron, AR VOICE: (501) 637-2161 FAX: (501) 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 Bourns VP/TO: Debra Fuller Cash and Due from: ......................................1,925 Federal Funds and Repos:............................5,020 Investments:................................................27,654 Total Loans: ................................................41,869 Premises and Fixed Assets: .............................780 Other Real Estate:..............................................70 Other Assets: ................................................1,343 Total Assets: ...............................................78,661 Total Trust Assets: ...........................................166 Deposits:.....................................................65,719 Federal Funds and Borrowings:............................0 Other Liabilities: ...............................................354 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................66,073 Total Equity Capital and Reserves: .............12,588 Total Liabilities and Capital:.........................78,661 Number of Shares Outstanding: ..................24,000 Directors: Kelly Ashford; Bill Black; Greg Bourns; Jim Currier; John H. Hendrix; Larry Mashburn; Terry Plummer Branches in Town: One Other Branches: None Eighty-Seventh Report 103 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:.................................... 13,347 Federal Funds and Repos: .................................. 0 Investments: ............................................... 27,682 Total Loans:................................................ 56,942 Premises and Fixed Assets:.......................... 1,786 Other Real Estate: ............................................. 29 Other Assets:................................................ 1,245 Total Assets:............................................. 101,031 Total Trust Assets:........................................ 4,910 Deposits: .................................................... 89,594 Federal Funds and Borrowings: ....................... 486 Other Liabilities: ............................................... 514 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 90,594 Total Equity Capital and Reserves: ............. 10,437 Total Liabilities and Capital: ...................... 101,031 Number of Shares Outstanding:.................. 59,000 Directors: Robert E. Garner; Robert 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 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:...................................... 4,107 Federal Funds and Repos: ........................... 1,850 Investments: ............................................... 48,132 Total Loans:................................................ 60,180 Premises and Fixed Assets:............................. 939 Other Real Estate: ........................................... 375 Other Assets:................................................ 1,830 Total Assets:............................................. 117,413 Total Trust Assets:...................................... 38,931 Deposits: .................................................... 97,508 Federal Funds and Borrowings: ....................... 859 Other Liabilities: ............................................... 750 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 99,117 Total Equity Capital and Reserves: ............. 18,296 Total Liabilities and Capital: ...................... 117,413 Number of Shares Outstanding:.................. 48,000 Directors: Bruce Anderson; Gerald Burton; Carlton E. Davis; L. H. Derby, Jr.; John B. Frazer; W. Sykes Harris; C. A. Milton; Dr. Kerry F. Pennington; Gerard Sangster Branches in Town: Two Other Branches: Hermitage 104 Arkansas State Bank Department Cross County Bank Wynne, AR VOICE: (870) 238-8171 FAX: (870) 238-4052 Population: 8,187 1 Cross County Plaza P. O. Box 9 72396-0009 Home Page: 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: ......................................3,836 Federal Funds and Repos:..........................13,340 Investments:................................................41,048 Total Loans: .............................................. 106,098 Premises and Fixed Assets: ..........................2,687 Other Real Estate:............................................121 Other Assets: ................................................3,059 Total Assets: ............................................. 170,189 Total Trust Assets: ........................................3,523 Charter Number: 25 Date: June 5, 1891 County: Cross Deposits:...................................................151,259 Federal Funds and Borrowings:........................409 Other Liabilities: ...............................................796 Subordinated Debt: ..............................................0 Total Liabilities: .........................................152,464 Total Equity Capital and Reserves: .............17,725 Total Liabilities and Capital:.......................170,189 Number of Shares Outstanding: ....................4,000 Directors: Dr. Willard G. Burks; Guy E. Fisher; Marvin T. Hagaman; Albert A. Hess; Pete L. Imboden, III; R. Vance Lawson; Roger E. Pohlner; Donald L. Reddmann; R. Joe Rennicke; James A. Richardson Branches in Town: One Other Branches: Cherry Valley, Hickory Ridge, Weiner The Bank of Yellville Yellville, AR VOICE: (870) 449-4231 FAX: (870) 449-4866 Population: 1,181 105 North Panther Avenue Charter Number: 691 P. O. Box 325 Date: December 13, 1945 72687-0325 County: Marion Home Page: 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: ......................................4,992 Federal Funds and Repos:............................9,340 Investments:................................................27,247 Total Loans: .............................................. 125,575 Premises and Fixed Assets: ..........................4,846 Other Real Estate:.........................................1,024 Other Assets: ................................................4,362 Total Assets: ............................................. 177,386 Total Trust Assets: ...........................................742 Deposits:...................................................152,476 Federal Funds and Borrowings:.....................9,631 Other Liabilities: ...............................................542 Subordinated Debt: ..............................................0 Total Liabilities: .........................................162,649 Total Equity Capital and Reserves: .............14,737 Total Liabilities and Capital:.......................177,386 Number of Shares Outstanding: ..................20,781 Directors: Frank Bailey; Roger Bates; Fred A. Berry; Jerry D. Cunningham; Dan R. Duren; H. C. Hall; Judy R. Loving; Chloe Richardson; Kenneth Smith; Susan 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, 2001 Arkansas State Bank Department 106 Arkansas Capital Corporation Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Population: 175,795 Chm: David H. Shindler Pres: George E. Campbell Charter Number: 1006 225 South Pulaski Street Date: August 6, 1958 72201-1925 County: Pulaski Home Page: www.arcapital.com Trust Powers: No Bank Holding Company None EVP/Treas/Sec: C. Sam Walls VP: Jay W. Wisener Cash and Due from: ......................................4,943 Federal Funds and Repos:...................................0 Investments:..................................................2,300 Total Loans: ................................................30,659 Premises and Fixed Assets: ..........................1,263 Other Real Estate:................................................0 Other Assets: ................................................1,849 Total Assets: ...............................................41,014 Total Trust Assets: ...............................................0 Deposits:..............................................................0 Federal Funds and Borrowings:...................32,759 Other Liabilities: ...............................................475 Subordinated Debt: ..............................................0 Total Liabilities: ...........................................33,234 Total Equity Capital and Reserves: ...............7,780 Total Liabilities and Capital:.........................41,014 Number of Shares Outstanding: ....................1,085 Directors: Carl E. Baggett; George E. Campbell; Gary E. Garton; Donald H. Henry; James R. Jordan; Virgil L. Miller, Jr.; Bert M. Mullens; Don Pattillo; H. Glenn Rambin; D. Patton Rudder; David H. Shindler; William T. Staed; Sherry H. Stringer Branches in Town: None Other Branches: None REPORT OF THE STATE CHARTERED TRUST COMPANIES (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2001 Arkansas State Bank Department 108 Community First Trust Company Hot Springs, AR VOICE: (501) 520-3660 FAX: (501) 520-3667 Population: 32,462 135 Section Line Road, 3rd Floor P. O. Box 20066 71903 Pres: Charles R. Dudley, III Charter Number: 35001 Date: June 17, 1998 County: Garland EVP: William L. Kerst, Jr. Directors: Gerald A. Burgner; Charles R. Dudley, III; James A. Gill; D. Kyle McDonald Branches in Town: None Other Branches: Russellville Hot Springs Village, P.L.D. Trust Company (Private) Rogers, AR VOICE: (501) 372-5659 FAX: (501) 374-8657 Population: 33,000 Pres: L. Pauline Whitaker 2894 West Walnut P. O. Box 86 72757 Charter Number: 35002 Date: October 15, 1998 County: Benton Atty: Mark W. Nichols Directors: Donald Whitaker; Larry Whitaker; Pauline Whitaker Branches in Town: None Other Branches: None REPORT OF THE REGIONAL/COUNTY INDUSTRIAL DEVELOPMENT CORPORATIONS (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2001 Arkansas State Bank Department 110 Northwest Arkansas Regional Industrial Development Fort Smith, AR Charter Number: 30006 VOICE: (501) 782-5959 FAX: (501) 782-9669 EVP: Luther Reed Greenpointe Center, Suite 31 P. O. Box 3325 72913-3325 CFO: T. David Potts Garland County Industrial Development Corporation for Equity Investments Hot Springs, AR Charter Number: 30002 VOICE: (501) 321-1700 FAX: (501) 321-3551 Chm: Darrell Meyer Cont: Kathy Wright 659 Ouachita P. O. Box 6090 71902-6090 Sec: Jim Randall Pulaski County Industrial Development Corporation Jacksonville, AR Charter Number: 30004 VOICE: (501) 985-9944 FAX: (501) 985-6590 Chm: Jim Johnson CEO/Pres: Ronald F. Davis 2227 West Main Street, Suite 3 72076 Treas: George M. Giacometti, Jr. Sec: Ed Staton Central Arkansas Regional Industrial Development Company Little Rock, AR Charter Number: 30007 VOICE: (501) 224-6511 FAX: (501) 954-9419 Pres: Robert B. Francis 1525 Merrill Drive, Suite 3000 72221 Eighty-Seventh Report 111 Perry County Industrial Development Corporation Perryville, AR Charter Number: 30003 VOICE: (501) 889-2312 FAX: (501) 889-5718 Pres: Doug Brandon P. O. Box 869 72126-0869 VP: Donald Crain North Delta Regional Industrial Development Corporation Trumann, AR Charter Number: 30005 VOICE: (870) 483-2092 FAX: (870) 483-1920 Chm/Pres: Kelley Webb 200 West Main, Suite 38 P. O. Box 413 72472 VP/Sec: Robin Thompson LIST OF COMMERCIAL BANKS BY COUNTY AND MAP OF ARKANSAS COUNTIES JUNE 30, 2001 Arkansas State Bank Department 114 COUNTY BANK CITY Arkansas DeWitt Bank And Trust Company The First National Bank of DeWitt Planters & Merchants Bank The Farmers and Merchants Bank Ashley First National Bank of Crossett First State Bank Farmers Bank Delta Trust & Bank The Peoples Bank Portland Bank Baxter First National Bank & Trust Company Peoples Bank And Trust Company TrustBanc Benton Arkansas National Bank Bank of Bentonville Decatur State Bank Bank of Gravett Sinclair National Bank Arvest Bank Bank of Rogers Simmons First Bank of Northwest Arkansas Arkansas State Bank First Arvest 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 Corning Bank Piggott State Bank DeWitt DeWitt Gillett Stuttgart Crossett Crossett Hamburg Parkdale Portland Portland Mountain Home Mountain Home Mountain Home Bentonville Bentonville Decatur Gravette Gravette Rogers Rogers Rogers Siloam Springs Siloam Springs Harrison Warren Warren Hampton Corning Piggott Eighty-Seventh Report 115 COUNTY BANK CITY Cleburne The Cleburne County Bank Greers Ferry Lake State Bank Heber Springs State Bank Cleveland Pine State Bank The Bank of Rison Columbia Farmers Bank and Trust Company The Peoples Bank Magnolia Magnolia Conway Petit Jean State Bank Morrilton Craighead American State Bank The Bank of Jonesboro Heritage Bank MidSouth Bank Simmons First Bank of Jonesboro Jonesboro Jonesboro Jonesboro Jonesboro Jonesboro Crawford Bank of Mulberry 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 Simmons First Bank of Dumas The First National Bank of McGehee McGehee Bank Dumas Dumas McGehee McGehee Drew Commercial Bank & Trust Company Union Bank And Trust Company Monticello Monticello Faulkner First Community Bank First State Bank First Service Bank Conway Conway Greenbrier Fulton Bank of Salem Garland Alliance Bank of Hot Springs First National Bank Heber Springs Heber Springs Heber Springs Kingsland Rison Marion West Memphis Parkin Wynne Wynne Salem Hot Springs Hot Springs Arkansas State Bank Department 116 COUNTY BANK CITY Grant Peoples Bank Greene Bank of Paragould First National Bank Peoples Bank Southern Bank of Commerce 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 The Bank of Bradley The First National Bank of Lewisville Bodcaw Bank Bradley Lewisville Stamps Lawrence Peoples Bank 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 Citizens Bank The First National Bank at Paris Logan County Bank Lonoke Community Bank Bank of England First State Bank Sheridan Paragould Paragould Paragould Paragould Blevins Hope Malvern Malvern Calico Rock Newport Imboden Walnut Ridge Marianna Booneville Paris Scranton Cabot England Lonoke Eighty-Seventh Report 117 COUNTY BANK CITY Madison First State Bank Madison Bank and Trust Marion The Bank of Yellville Miller Century Bank - Arkansas Texarkana Mississippi Farmers Bank And Trust Company The First National Bank in Blytheville Blytheville Blytheville Monroe Bank of Brinkley The Merchants and Planters Bank Brinkley Clarendon Montgomery First Bank of Montgomery County 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 River Valley 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 Central Bank & Trust Huntsville Kingston Yellville Prescott Helena Helena Mena Mena Russellville Russellville Russellville Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Arkansas State Bank Department 118 COUNTY BANK CITY Pulaski Eagle Bank & Trust Company Metropolitan National Bank One Bank and Trust, National Association Pinnacle Bank 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 Scott Bank of Waldron Sebastian Arvest Bank The First National Bank of Fort Smith Farmers Bank Bank of Mansfield Fort Smith Fort Smith Greenwood Mansfield Sevier The First National Bank of DeQueen First State Bank of DeQueen Horatio State Bank Bank of Lockesburg DeQueen DeQueen Horatio Lockesburg Sharp First National Bank of Sharp County Bank of Cave City Bank of Evening Shade Ash Flat Cave City Evening Shade 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 Washington Bank of Arkansas, N.A. The Bank of Fayetteville, N.A. Community Bank of North Arkansas McIlroy Bank & Trust The Farmers & Merchants Bank The First National Bank of Springdale Springdale Bank and Trust Little Rock Little Rock Little Rock Little Rock Little Rock North Little Rock North Little Rock Pocahontas Benton Waldron Forrest City Forrest City Mountain View El Dorado El Dorado El Dorado Smackover Fayetteville Fayetteville Fayetteville Fayetteville Prairie Grove Springdale Springdale Eighty-Seventh Report COUNTY BANK 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 First State Bank 119 CITY Bald Knob Searcy Searcy Augusta McCrory Danville Dardanelle Plainview Arkansas State Bank Department 120 MAP OF ARKANSAS COUNTIES BOONE MARION BAXTER IZARD SEARCY VAN BUREN CLEBURNE POLK SEVIER ASHLEY ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2001 Arkansas State Bank Department 122 Southern Development Bancorporation, Inc. Arkadelphia, AR RSSD Number: 1248939 VOICE: (870) 246-3945 FAX: (870) 246-2182 605 Main, Suite 202 71923-6037 Chm: Walter Smiley CEO/Pres: W. H. Brandon, Jr. EVP/CFO: Philip N. Baldwin Subsidiaries: Elk Horn Bank and Trust Company Southern Development Mortgage Company First National Bank of Phillips County Phillips Insurance Services, Inc. First Investment Advisory Services, Inc. Opportunity Lands Corporation Southern Data Center Southern Development Capital Trust Arkadelphia, AR Arkadelphia, AR Helena, AR Elaine, AR Helena, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR 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 CFO: Christopher M. Wewers Sec: Rita K. Smith Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Eighty-Seventh Report 123 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 J. 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 710 St. Louis Street P. O. Box 4327 72501-4327 Sec: Frank Tripp Batesville, AR Arkansas State Bank Department 124 Bearden Bancshares, Inc. Bearden, AR RSSD Number: 2993722 VOICE: (870) 687-2233 FAX: (870) 687-2474 Chm/Pres: Rick Green Second and Cedar Streets P. O. Box 135 71720-0135 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 Union Realty Co. UFS, Inc. Benton, AR Benton, AR Benton, AR Mabelvale, AR Eighty-Seventh Report 125 Arvest Bank Group, Inc. Bentonville, AR RSSD Number: 1095674 VOICE: (501) 464-1500 FAX: (501) 464-1540 125 West Central #218 P.O. Box 1860 72712 Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: P & W Bancshares, Inc. Central Bank & Trust Central Mortgage Company Siloam Springs Bancshares, Inc. First Arvest Bank Bank of Bentonville McIlroy Bank & Trust Arvest Bank The Farmers & Merchants Bank Arvest Bank Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Mortgage Company, Inc. Arvest Investments, Inc. First Place on the Creeks, L.L.C. Springdale Bank and Trust AWCA Company, Inc. Arvest Trust Company, N.A. Bentonville, AR Little Rock, AR Little Rock, AR Bentonville, AR Siloam Springs, AR Bentonville, AR Fayetteville, AR Fort Smith, AR Prairie Grove, AR Rogers, AR Lowell, AR Lowell, AR Lowell, AR Rogers, AR Rogers, AR Springdale, AR Springdale, AR Rogers, AR P & W Bancshares, Inc. Bentonville, AR RSSD Number: 1845673 VOICE: (501) 464-1500 FAX: (501) 464-1540 P. O. Box 1860 72212 Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm/CEO/Pres: Jim C. Walton Subsidiaries: Central Bank & Trust Central Mortgage Company VP/Treas/Sec: Richard D. Chapman Little Rock, AR Little Rock, AR Arkansas State Bank Department 126 Siloam Springs Bancshares, Inc. Bentonville, AR RSSD Number: 1100279 VOICE: (501) 464-1500 FAX: (501) 464-1540 125 West Central, #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: First Arvest Bank Siloam Springs, AR 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 Western Bancshares ESOT Booneville, AR RSSD Number: 2628994 VOICE: (501) 675-0369 FAX: (501) 675-0751 Chm: Jeral L. Hampton Pres: John T. Hampton Subsidiaries: First Western Bancshares, Inc. Citizens Bank First Western Insurance Agency, Inc. First Western Mortgage First Western Properties 80 West Main P. O. Box 87 72927-0087 VP/Aud: Diane Buffington Sec: Debbie Danekas Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Eighty-Seventh Report 127 First Western Bancshares, Inc. Booneville, AR RSSD Number: 1100091 VOICE: (501) 675-0369 FAX: (501) 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/Aud: Diane Buffington Sec: Debbie Danekas Subsidiaries: Citizens Bank First Western Insurance Agency, Inc. First Western Mortgage First Western Properties Booneville, AR Booneville, AR Booneville, AR Booneville, AR The Bradley Corporation Bradley, AR RSSD Number: 1096877 VOICE: (870) 894-3322 FAX: (870) 894-3324 208 West Fourth Street P. O. Box 120 71826-0120 Chm/CEO/Pres: Lane Pierce Sec: Billie Pierce Subsidiaries: The Bank of Bradley Bradley, AR Brinkley Bancshares, Inc. Brinkley, AR RSSD Number: 1097146 VOICE: (870) 734-3133 FAX: (870) 734-3001 Chm/CEO: A. 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 128 Community Financial Group Cabot, AR RSSD Number: 1097799 VOICE: (501) 843-3575 FAX: (501) 843-0466 One City Plaza P. O. Box 1028 72023-1028 Chm: William G. Thompson CEO/Pres: Joseph W. Park VP: Stephen P. Tipton Subsidiaries: Community Bank Community Financial Solutions, Inc. Community Home Lenders of Arkansas, Inc. Community Insurance Agency, Inc. Community Title Services Grand Prairie Title Company, Inc. Cabot, AR Cabot, AR Cabot, AR Cabot, 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: (870) 283-5301 FAX: (870) 283-6466 Chm: Eugene Street VChm: Samuel F. Beller Subsidiaries: Bank of Cave City Cave City Properties, Inc. Bank of Evening Shade "As Old As Dirt" 133 South Main P. O. Box 490 72521-0490 Pres: Margie Pettersen Treas/Sec: Dennis Esteb Cave City, AR Cave City, AR Evening Shade, AR Evening Shade, AR Eighty-Seventh Report 129 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/Pres: J. Perry Lee 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 VChm: Robert H. Adcock Sec: C. Randall Sims Subsidiaries: North Little Rock Bancshares Twin City Bank First State Bank First Data Solutions North Little Rock, AR North Little Rock, AR Conway, AR Conway, 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 130 Chambers Bancshares, Inc. Danville, AR RSSD Number: 1141487 VOICE: (501) 495-4680 FAX: (501) 495-4681 9th and Atlanta P. O. Box 1330 72833-1330 Chm/CEO/Pres: John Ed Chambers, III SVP: Fred C. Burns SVP: Robert Y. Taylor CFO: Mike Donnell Subsidiaries: Community Investment, Inc. Community Bank of North Arkansas Chambers Bank CB Financial Services, Inc. First Arkansas Valley Bank River Valley Appraisal Co. Fayetteville, AR Fayetteville, AR Danville, AR Danville, AR Russellville, AR Danville, AR Bank of Dardanelle Bankshares, Inc. Dardanelle, AR RSSD Number: 1134546 VOICE: (501) 229-3311 FAX: (501) 229-4180 102 North Front Street P. O. Box 577 72834-0577 CEO/Pres: Ronald L. Taylor Subsidiaries: Bank of Dardanelle Dardanelle, AR Decatur Bancshares, Inc. Decatur, AR RSSD Number: 1845619 VOICE: (501) 752-3281 FAX: (501) 752-8154 Chm: Lloyd E. Peterson Subsidiaries: Decatur State Bank Decatur Insurance Agency Hwy. 59 North P. O. Box 38 72722-0038 CEO/Pres: Vernon L. Austin Decatur, AR Decatur, AR Eighty-Seventh Report 131 First National Security Company DeQueen, AR RSSD Number: 1426755 VOICE: (870) 642-2212 FAX: (870) 642-7959 Third & 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: Tom H. Grumbles Subsidiaries: First Service Bank 114 East Peddicord P. O. Box 800 71638-0815 Treas/Sec: Daniel C. Horton Greenbrier, AR Arkansas State Bank Department 132 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: Gary Hudson Subsidiaries: DeWitt Bank And Trust Company DBT Realty Company, Inc. DeWitt Bank and Trust Insurance, Inc. DeWitt, AR DeWitt, AR DeWitt, AR DeWitt First Bankshares Corporation DeWitt, AR RSSD Number: 1099243 VOICE: (870) 946-3551 FAX: (870) 946-1562 220 West Cross P. O. Box 511 72042-0511 Chm: Georgea Greaves CEO/Pres: Warren A. Jennings, Sr. Subsidiaries: The First National Bank of DeWitt Bank of Lockesburg DeWitt, AR Lockesburg, AR M & F Financial Corporation Dumas, AR RSSD Number: 1099506 VOICE: (870) 382-4311 FAX: (870) 382-5901 Chm: L. Ashton Adcock CEO/Pres: J. Michael Jones Subsidiaries: Merchants & Farmers Bank 130 West Waterman P. O. Box 187 71639-0187 Treas/Sec: Betty B. Trites Dumas, AR Eighty-Seventh Report 133 First Financial Banc Corporation El Dorado, AR RSSD Number: 2568102 VOICE: (870) 863-7000 FAX: (870) 881-5393 214 North Washington Street P. O. Box 1754 71730-1754 CEO/Pres: J. Stephen Cameron COO: Jerry Bullard Subsidiaries: First Financial Bank First Title Services, Inc. First Union Corporation First Financial Banc Mortgage Corp. El Dorado, AR El Dorado, AR El Dorado, AR 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 The Capital Funding Source, Inc. Lonoke Banking Center Title Company England, AR England, AR Lonoke, AR Eureka Bancshares, Inc. Eureka Springs, AR RSSD Number: 2941769 VOICE: (501) 253-8241 FAX: (501) 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 Arkansas State Bank Department 134 JFC, Inc. Eureka Springs, AR RSSD Number: 2941750 VOICE: (501) 253-8241 FAX: (501) 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: (501) 253-8241 FAX: (501) 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 Community Investment, Inc. Fayetteville, AR RSSD Number: 1099524 VOICE: (501) 973-2265 FAX: (501) 973-2201 1685 East Joyce Boulevard 72703 Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm: H. Phil Phillips, Jr. Subsidiaries: Community Bank of North Arkansas CEO/Pres: Robert Y. Taylor Fayetteville, AR Eighty-Seventh Report 135 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/Sec: Suzette Crutchfield SVP/Treas: Wanda Smurl Subsidiaries: Fordyce Bank & Trust Company Fordyce, AR First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (501) 782-2041 FAX: (501) 788-4602 CEO/Pres: Samuel M. Sicard EVP: Mont S. Echols, Jr. 602 Garrison Avenue P. O. Box 7 72902-0007 Sec: Niki Harrison Subsidiaries: Vista Bancorporation Citizens Bank & Trust Company PMF, Inc. The First National Bank of Fort Smith Realty Appraisals, Inc. Prestige Insurance Services, Inc. Van Buren, AR Van Buren, AR Van Buren, AR Fort Smith, AR Fort Smith, AR Van Buren, AR Planters & Merchants Bancshares, Inc. Gillett, AR RSSD Number: 1491511 VOICE: (870) 548-2211 FAX: (870) 548-2220 Chm: Frank C. Wolfe Subsidiaries: Planters & Merchants Bank P & M Real Estate, Inc. 210 West Main P. O. Box 357 72055-0357 CEO/Pres: Larry E. Bauer Gillett, AR Gillett, AR Arkansas State Bank Department 136 Bainum Bancorp Glenwood, AR RSSD Number: 1399792 VOICE: (870) 356-2121 FAX: (870) 356-2211 Chm: Timothy E. Bainum VP: Evea J. Bainum 205 Hwy 70E P. O. Box 500 71943-0500 VP: Harold A. Smith Treas/Sec: Lynda Robbins Subsidiaries: Arkansas Diamond Bank Glenwood, AR Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (501) 996-4171 FAX: (501) 996-6700 Chm: Elizabeth Wilkinson 125 West Center Street P. O. Box 610 72936-0610 CEO/Pres: Edward Wilkinson Subsidiaries: Farmers Bank Greenwood, AR Community First Bancshares, Inc. Harrison, AR RSSD Number: 2754585 VOICE: (870) 391-8000 FAX: (870) 391-8081 CEO: William King Gladden Pres: David Morton Subsidiaries: Community First Bank 200 East Ridge P. O. Box 913 72602-0913 Sec: Dan R. Bowers Harrison, AR Eighty-Seventh Report 137 First National Bancshares of Hempstead County, Inc. Hope, AR RSSD Number: 1100224 VOICE: (870) 777-2363 FAX: (870) 777-5597 Second and Walnut Streets 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 123 Main Street P. O. Box 347 71842-0347 Chm/CEO/Pres: Edith H. Smith VP: C. E. Hendrix, Jr. Treas/Sec: Carl E. Hendrix, lll Subsidiaries: Horatio State Bank Horatio, AR Alliance Bancorporation, Inc. Hot Springs, AR RSSD Number: 2640400 VOICE: (501) 318-1001 FAX: (501) 318-1015 Chm/Pres: David L. Bartlett VChm: Ronnie Twyford Subsidiaries: Alliance Bank of Hot Springs 100 Werner Drive P. O. Box 22000 71903 VP: Joyce Richardson Sec: Cindy Baswell Hot Springs, AR Arkansas State Bank Department 138 First Community Banking Corporation Hot Springs, AR RSSD Number: 1100176 VOICE: (501) 525-7999 FAX: (501) 525-9333 135 Section Line Road P. O. Box 22090 71903-2090 Chm: G. R. Mosley CEO/Pres: Daniel C. Horton Sec: Melvin L. Simpson Subsidiaries: Caddo Holding Company, Inc. First National Bank First National Bank in Mena First Bank of Montgomery County Glenwood, AR Hot Springs, AR Mena, AR Mount Ida, 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 Fulton Properties, Inc. SABCO Insurance Agency The Stephens Security Bank Security Mortgage Services Ouachita County Properties, Inc. Stephens Security Insurance Agency Salem, AR Salem, AR Salem, AR Stephens, AR Hot Springs, AR Stephens, AR Stephens, AR Eighty-Seventh Report 139 BTS Bancshares, Inc. Huntsville, AR RSSD Number: 1951172 VOICE: (501) 738-2147 FAX: (501) 738-1255 Hwy. 412 West P. O. Box 667 72740-0667 Chm: Sam Mathias CEO/Pres: Tom Mathias VP/Sec: Bessie Mathias Subsidiaries: First State Bank Huntsville, AR Spring Rivers Bancshares, Inc. Imboden, AR RSSD Number: 1250428 VOICE: (870) 869-2291 FAX: (870) 869-2179 Hwy. 63 P. O. Box 850 72434-0850 Chm/CEO/Pres: Charles F. Luter Sec: Preston L. Clark Subsidiaries: Peoples Bank Peoples Bank Imboden, AR Paragould, AR First Arkansas BancShares, Inc. Jacksonville, AR RSSD Number: 1096550 VOICE: (501) 982-4511 FAX: (501) 982-5769 Chm: Kenneth Pat Wilson 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 140 ASB Corporation Jonesboro, AR RSSD Number: 2356886 VOICE: (870) 972-9800 FAX: (870) 930-9311 700 South Main P. O. Box 3080 72403 Chm/Pres: Frank Oldham EVP: David Dudley EVP: Steve Gramling Treas/Sec: Judy Dacus Subsidiaries: American State Bank Jonesboro, AR Heritage Capital Corporation Jonesboro, AR RSSD Number: 1143717 VOICE: (870) 802-2344 FAX: (870) 268-2033 Chm/CEO: Larry Grisham Pres: Steve May 2009 Browns Lane P. O. Box 3020 72403-3020 EVP: Louis Intres Treas/Sec: Diane Steiling Subsidiaries: Heritage Bank Jonesboro, AR MSB Shares, Inc. Jonesboro, AR RSSD Number: 1951109 VOICE: (870) 931-0100 FAX: (870) 910-5698 Chm: Carolyn Frierson CEO/Pres: Terry Frierson Subsidiaries: MidSouth Bank MSB Capital Trust I 2506 Southwest Circle P. O. Box 5040 72403-5040 Treas: Chris Puryear Sec: Shirley Bronaugh Jonesboro, AR Jonesboro, AR Eighty-Seventh Report 141 Pine State Bancshares, Inc. Kingsland, AR RSSD Number: 1963139 VOICE: (870) 348-5657 FAX: (870) 348-1002 1st Street P. O. Box 85 71652 Chm/CEO/Pres: M. Don Smith VP: Sheila Harrison Smith Subsidiaries: Pine State Bank Kingsland, AR 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: Ned Mazzanti Atty: David F. Gillison, Jr. Subsidiaries: The Bank of Lake Village BLV Realty, Inc. Lake Village, AR Lake Village, AR Little River Bancshares, Inc. Lepanto, AR RSSD Number: 2463391 VOICE: (870) 475-2306 FAX: (870) 475-3070 Pres: Grady Watkins, Jr. Subsidiaries: Little River Bank 202 Greenwood Avenue P. O. Box 340 72454-0340 Sec: Henry Watkins Lepanto, AR Arkansas State Bank Department 142 Arkansas Bankers' Bancorporation, Inc. Little Rock, AR RSSD Number: 1491650 VOICE: (501) 371-0535 FAX: (501) 375-2281 1008 West Second Street 72201-2031 Chm: Tom H. Grumbles CEO/Pres: Bill B. May EVP: Jimmy Thomason SVP: Boyd Rothwell Subsidiaries: Arkansas Bankers' Bank Little Rock, AR 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 Pres: Mark D. Ross CFO: Paul E. Moore Subsidiaries: Bank of the Ozarks Little Rock, AR Capital Bancshares, Inc. Little Rock, AR RSSD Number: 2777016 VOICE: (501) 228-6000 FAX: (501) 228-6006 Chm: Boyd Rothwell CEO/Pres: Joseph B. Ford Subsidiaries: The Capital Bank 12224 Chenal Parkway P. O. Box 8210 72211 VP: Bonnie Crocheron Little Rock, AR Eighty-Seventh Report 143 Delta Trust & Banking Corporation Little Rock, AR RSSD Number: 2834115 VOICE: (501) 907-2280 FAX: (501) 907-2294 401 West Capitol Avenue, Suite 505 72201 Chm/CEO: J. French Hill Pres: Thomas R. Pugh, Jr. EVP: Carroll Penick Sec: Carolyn F. Carney Subsidiaries: Delta Trust & Bank Delta Trust Investments, Inc. Moore Mortgage, Inc. Delta Trust Insurance Agency, Inc. Parkdale, AR Little Rock, AR Little Rock, AR Parkdale, AR Lake Hamilton Enterprises, Inc. Little Rock, AR RSSD Number: 1094864 VOICE: (501) 562-3894 FAX: (501) 562-2611 7000 Asher Avenue P. O. Box 4261 72204-4261 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 200 North State Street P. O. Box 34090 72203 SVP/Cash: Lee A. Swearingen Little Rock, AR Arkansas State Bank Department 144 Madison Corporation Little Rock, AR RSSD Number: 1142466 VOICE: (501) 680-0576 FAX: (501) 663-7229 1813 North Spruce 72207 Chm/CEO/Pres: Roland Willshire VP/Treas/Sec: Rose Willshire Subsidiaries: Madison Bank and Trust Kingston, AR Pinnacle Bancshares, Inc. Little Rock, AR RSSD Number: 2503587 VOICE: (501) 614-5000 FAX: (501) 614-5005 CEO/Pres: Robert M. Althoff EVP: W. Dabbs Cavin Subsidiaries: Pinnacle Bank Pinnacle Bank Home Loan Company Pinnacle Capital Resources, Inc. 2610 Cantrell Road P. O. Box 8120 72202 SVP/CFO: Thomas C. Evans SVP: Beth Harvey Little Rock, AR Little Rock, AR Little Rock, AR Eighty-Seventh Report 145 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 Subsidiaries: Pulaski Bank And Trust Company Asset Exchange, Inc. Directors Properties, Inc. Lenders Title Company Pulaski Building, 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 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. 2222 Cottondale Lane, Suite 310 P. O. Box 7663 72202 Sec: David Matchet Sparkman, AR Little Rock, AR Arkansas State Bank Department 146 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 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, Sr. 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 Company, Inc. Lonoke, AR Lonoke, AR Golden Oaks Bancshares, Inc. Magnolia, AR RSSD Number: 1098684 VOICE: (870) 234-5777 FAX: (870) 234-3384 Chm: Harold H. Fincher Subsidiaries: The Peoples Bank 500 North Jackson Street P. O. Box 340 71754-0340 Pres: Mary L. Fowler Magnolia, AR Eighty-Seventh Report 147 Magnolia Banking Corporation Magnolia, AR RSSD Number: 1135413 VOICE: (870) 235-7000 FAX: (870) 235-7010 200 East Main Street P. O. Box 250 71753-0250 Chm/CEO/Pres: Bob L. Burns VP/Treas/Sec: Bruce D. Maloch VP/Sec: Steve Keith Sec: T. H. Bradley, Jr. 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: Kyle Keeney Subsidiaries: Southern State Bank Malvern, AR Mansfield Bankstock, Inc. Mansfield, AR RSSD Number: 1100073 VOICE: (501) 928-4418 FAX: (501) 928-5149 Chm: J. Michael Shaw Subsidiaries: Bank of Mansfield 101 South Sebascott P. O. Box 387 72944-0387 CEO/Pres: Joseph A. Terry Mansfield, AR Arkansas State Bank Department 148 Marked Tree Bancshares, Inc. Marked Tree, AR RSSD Number: 1135815 VOICE: (870) 358-2600 FAX: (870) 358-4210 210 Frisco Street P. O. Box 160 72365-0160 Chm: Frank Brunner, Jr. Pres: E. Ritter Arnold VP: Dan Hatzenbuehler Subsidiaries: Marked Tree Bank Marked Tree, 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 CEO/Pres: Steve A. Wilcoxon Subsidiaries: First Delta Bank First Delta Bank Insurance Services, Inc. Marked Tree, AR Marked Tree, 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 Subsidiaries: Bank of McCrory 105 South Edmonds Avenue P. O. Box 388 72101-0388 Sec: Vance M. Thompson, III McCrory, AR Eighty-Seventh Report 149 Southeast Financial Bankstock Corporation McGehee, AR RSSD Number: 1096662 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd P. O. Box 787 71654-0787 Pres: William W. Bowman VP: John H. Potter, Jr. Sec: James M. Smith Subsidiaries: McGehee Bank McBank Realty, Inc. McGehee, AR McGehee, AR Union Bankshares, Inc. Mena, AR RSSD Number: 1099805 VOICE: (501) 394-2211 FAX: (501) 394-3809 515 Janssen Avenue P. O. Box 898 71953-0898 Chm: Edward W. Stevenson CEO/Pres: Danny Williams 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 Subsidiaries: Commercial Bank & Trust Company 212 West Gaines P. O. Box 150 71657-0150 Pres: George T. Harris Monticello, AR Arkansas State Bank Department 150 First Union Financial Corporation Monticello, AR RSSD Number: 1098880 VOICE: (870) 460-6400 FAX: (870) 460-6465 102 West McCloy P. O. Box 270 71657-0270 Chm/CEO: Zach McClendon, Jr. Pres: James P. Jett Subsidiaries: Union Bank And Trust Company Monticello, AR 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 BC Bancshares, Inc. Mountain Home, AR RSSD Number: 1404650 VOICE: (870) 425-2166 FAX: (870) 424-4353 9th and Baker Streets P. O. Box 1906 72654-1906 Bank Holding Company First Security Bancorp, Searcy, AR Pres: Reynie Rutledge Subsidiaries: Peoples Bank And Trust Company Peoples Real Estate Management, Inc. Mountain Home, AR Mountain Home, AR Eighty-Seventh Report 151 TrustBanc Financial Group, Inc. Mountain Home, AR RSSD Number: 2889197 VOICE: (870) 424-4100 FAX: (870) 424-4144 P. O. Box 2130 72654-2130 Pres: Phillip H. Young 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 121 East Main Street P. O. Box 1228 72560-1228 Chm: Glen Hinkle CEO/Pres: James G. Hinkle Sec: Kenneth Sutton Subsidiaries: Bank of Mountain View Mountain View Aviation, LLC Sylamore Properties, Inc. Mountain View, AR Mountain View, AR Mountain View, AR Acme Holding Company, Inc. Mulberry, AR RSSD Number: 1140556 VOICE: (501) 997-1154 FAX: (501) 997-1161 311 Main Street P. O. Drawer A 72947 Bank Holding Company The Bank of Mulberry Employee Stock Ownership Trust (ESOT), Mulberry, AR CEO/Pres: Lex Golden, III Subsidiaries: Bank of Mulberry FSB Mortgage Company, Inc. General Mortgage Co. Westport Life Insurance Company Mulberry, AR Little Rock, AR Mulberry, AR Mulberry, AR Arkansas State Bank Department 152 The Bank of Mulberry Employee Stock Ownership Trust (ESOT) Mulberry, AR RSSD Number: 2576424 VOICE: (501) 997-1154 FAX: (501) 997-1161 311 Main Street P. O. Drawer A 72947-0480 CEO/Pres: Lex Golden, III Subsidiaries: Acme Holding Company, Inc. Bank of Mulberry FSB Mortgage Company, Inc. General Mortgage Co. Westport Life Insurance Company Mulberry, AR Mulberry, AR Little Rock, AR Mulberry, AR Mulberry, AR Bainum Bancorp II Murfreesboro, AR RSSD Number: 1491333 VOICE: (870) 285-2172 FAX: (870) 285-3335 101 North Washington P. O. Box 279 71958-0279 Chm: Mark Duke Bainum VP: Evea J. Bainum VP: Harold A. Smith Treas/Sec: Lynda Robbins Subsidiaries: Diamond State Bank Diamond State Insurance Agency Murfreesboro, AR Murfreesboro, AR M & P Community Bancshares, Inc. Newport, AR RSSD Number: 1491306 VOICE: (870) 523-3601 FAX: (870) 523-3473 Chm/CEO/Pres: Jim S. Gowen, Sr. EVP: Jim S. Gowen, Jr. Subsidiaries: Greers Ferry Lake State Bank Merchants & Planters Bank McCartney, Manning, McDonald, & Guinn, Inc. Preferred Choice Financial Services, Inc. Second and Hazel Streets P. O. Box 650 72112-0650 VP/Sec: Carla P. Stiger VP/Treas: Patricia McFarland Heber Springs, AR Newport, AR Newport, AR Newport, AR Eighty-Seventh Report 153 North Little Rock Bancshares 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 VChm: Robert H. Adcock Pres: Robert F. Birch, Jr. Sec: Rick Ashley Subsidiaries: Twin City Bank North Little Rock, AR First Paragould Bankshares, Inc. Paragould, AR RSSD Number: 1119383 VOICE: (870) 239-8521 FAX: (870) 236-4837 Second and Court Streets P. O. Box 700 72451-0700 Chm/CEO: William E. Brewer Pres/COO: Kelly G. Wright Subsidiaries: Corning Bank First National Bank First Services of Northeast Arkansas, Inc. Corning, AR Paragould, AR Paragould, AR Parkin Bancorp, Inc. Parkin, AR RSSD Number: 1142411 VOICE: (870) 755-5401 FAX: (870) 755-5648 Chm/CEO/Pres: William N. Griffin Subsidiaries: First State Bank 77 Parkin Avenue P. O. Box 526 72373-0526 Sec: William N. Griffin, Jr. Parkin, AR Arkansas State Bank Department 154 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 Eighty-Seventh Report 155 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 Dumas 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 Mortgage Corporation Simmons First Capital Trust Dumas, AR El Dorado, AR Jonesboro, AR Lake Village, AR Pine Bluff, AR Pine Bluff, AR Rogers, AR Russellville, AR Searcy, AR Pine Bluff, AR Little Rock, AR Pine Bluff, AR Clement Bancshares, Inc. Plainview, AR RSSD Number: 1096448 VOICE: (501) 272-4221 FAX: (501) 272-4154 Chm/CEO/Pres: Charles Blanchard CFO: Donna Harpenau Subsidiaries: First State Bank Nimrod Real Estate, Inc. 200 Main Street P.O. Box 277 72857-0277 Treas/Sec: Gary Bollan Plainview, AR Plainview, AR Arkansas State Bank Department 156 Pocahontas Bankstock, Inc. Pocahontas, AR RSSD Number: 1834266 VOICE: (870) 892-5286 FAX: (870) 892-8381 1 Bank Plaza P. O. Box 467 72455-0467 Chm/CEO/Pres: John R. Jackson, Jr. Subsidiaries: Bank of Pocahontas Pocahontas, AR Mainline Bankshares of Portland, Inc. Portland, AR RSSD Number: 1132627 VOICE: (870) 737-2236 FAX: (870) 737-2816 Main Street P. O. Box 178 71663-0178 Chm/CEO/Pres: Tipton Pugh VP/Sec: Mary Dean Pugh Subsidiaries: The Peoples Bank The Peoples Bank Insurance Agency Portland, AR Portland, 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 D. Sadler Portland, AR Eighty-Seventh Report 157 First State Holding Company of Prescott Prescott, AR RSSD Number: 1096475 VOICE: (870) 887-2688 FAX: (870) 887-6822 East 2nd at Main P. O. Box 490 71857-0490 Bank Holding Company Prescott Bancshares, Inc., Prescott, AR Pres: John Warren Brannan, Jr. VP: James E. Franks Sec: Karen McLelland Subsidiaries: Bank of Prescott Prescott, AR Prescott Bancshares, Inc. Prescott, AR RSSD Number: 2236586 VOICE: (870) 887-2688 FAX: (870) 887-6822 East Second at Main Drawer 490 71857-0490 Pres: John Warren Brannan, Jr. EVP: James E. Franks Treas/Sec: Karen McLelland Subsidiaries: First State Holding Company of Prescott Bank of Prescott Prescott, AR Prescott, AR BOR Bancshares, Inc. Rogers, AR RSSD Number: 2626516 VOICE: (501) 621-6800 FAX: (501) 621-6801 CEO/Pres: Dick McLelland EVP: Guy J. Cable Subsidiaries: Bank of Rogers 801 North Dixieland P. O. Box 699 72757 SVP: Scott Franklin VP: Pamela Evans Rogers, AR 158 Arkansas State Bank Department RVB Bancshares, Inc. Russellville, AR RSSD Number: 2697084 VOICE: (501) 498-2265 FAX: (501) 498-2259 405 West Main Street P. O. Box 1420 72801 CEO/Pres: James Biggers EVP/CFO: Judy Lawton Subsidiaries: River Valley Bank Russellville, AR 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: BC Bancshares, Inc. Peoples Bank And Trust Company Peoples Real Estate Management, Inc. Farmers Bank and Trust Company First Community Bank First Security Bank First Security Investment Advisors, Inc. Crews & Associates, Inc. Mountain Home, AR Mountain Home, AR Mountain Home, AR Clarksville, AR Conway, AR Searcy, AR Searcy, AR Little Rock, AR Arkansas State Bancshares, Inc. Siloam Springs, AR RSSD Number: 2965934 VOICE: (501) 524-8101 FAX: (501) 524-3307 318 East Main Street P.O. Box 400 72761-0400 Pres: Arthur Morris Subsidiaries: Arkansas State Bank Siloam Springs, AR Eighty-Seventh Report 159 Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 708 North Broadway P. O. Box 107 71762-0107 CEO/Pres: Bob Willett SVP: J. Drew Tennyson SVP: James B. Yeager VP: Vicki Davis Subsidiaries: Smackover State Bank Smackover, AR Bodcaw Bancshares, Inc. Stamps, AR RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 401 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 160 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 947 72160-0947 Chm: Roy O. McCollum, III CEO/Pres: Don Pattillo Subsidiaries: The Farmers and Merchants Bank Stuttgart, AR Vista Bancorporation Van Buren, AR RSSD Number: 1398777 VOICE: (501) 474-1201 FAX: (501) 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: Luther F. Gordy, III 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-Seventh Report 161 Cross County Bancshares, Inc. Wynne, AR RSSD Number: 1131611 VOICE: (870) 238-8171 FAX: (870) 238-4052 1 Cross County Plaza P. O. Box 9 72396-0009 Chm: Dr. Willard G. Burks CEO/Pres: Mac McClanahan EVP: David Dowd Treas/Sec: Shelia Hess Subsidiaries: Cross County Bank Wynne, AR Mountain Bancshares, Inc. Yellville, AR RSSD Number: 1098367 VOICE: (870) 449-4231 FAX: (870) 449-5504 Chm/CEO/Pres: Judy R. Loving VChm: Fred A. Berry Subsidiaries: The Bank of Yellville 105 North Panther Avenue P. O. Box 325 72687-0325 Sec: Dan R. Duren Yellville, AR Eighty-Seventh Report OUT OF STATE BANK HOLDING COMPANIES AND THEIR ARKANSAS SUBSIDIARIES JUNE 30, 2001 Arkansas State Bank Department 164 Delta Bancshares of Louisiana, Inc. Oak Grove, LA RSSD Number: 2806662 VOICE: (318) 428-8388 FAX: (318) 428-8338 600 East Main Street P. O. Box 1008 71263 Chm/Pres: Charles F. Poole VChm: Orlando N. Hamilton, Jr. Sec: Gene Keith Subsidiaries: The Eudora Bank Eudora, AR Security State Bancshares, Inc. Charleston, MO RSSD Number: 1248573 VOICE: (573) 683-3712 FAX: (573) 683-7088 CEO/Pres: Don Burnett 101 South Main P. O. Box 99 63834 Sec: William Clayton Vandivort Subsidiaries: Bank of Paragould Paragould, AR Century Bancshares, Inc. New Boston, TX RSSD Number: 1109946 VOICE: (903) 628-2582 FAX: (903) 628-2162 201 Rice Street P. O. Box 608 75570 Chm: Joe Nichols Subsidiaries: Century Bank - Arkansas Texarkana, AR Eighty-Seventh Report ABBREVIATIONS Chm: CEO: VChm: 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 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 165 166 Arkansas State Bank Department NOTES Eighty-Seventh Report NOTES 167 168 Arkansas State Bank Department NOTES
@FedFRASER