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REPORT OF THE BANK COMMISSIONER OF ARKANSAS 2000 MIKE HUCKABEE Governor FRANK WHITE Bank Commissioner Eighty-Sixth Report EIGHTY-SIXTH ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2000 Eighty-Sixth Report STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2000 Honorable Mike Huckabee Governor of Arkansas Little Rock, Arkansas Governor Huckabee: I am pleased to submit to you the Eighty-Sixth 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, 2000. 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-Sixth 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 ................................................................................................................................... 10 Charter Conversions ................................................................................................................................ 10 New Branches Approved ........................................................................................................................ 11 Subchapter S Corporation Banks............................................................................................................. 14 Fiscal Report of The Bank Department.................................................................................................... 15 Federal Supervisory Agencies ................................................................................................................. 16 Trade Associations................................................................................................................................... 21 Consolidated Report of Condition of State Chartered Banks...................................................................................................................... 23 Consolidated Statement of State Chartered Trust Departments ...................................................................................................... 24 Consolidated Report of Condition of National Banks ...................................................................................................................................... 25 Tier One Leverage Ratios For All Arkansas Commercial Banks................................................................................................................ 26 National Banks ......................................................................................................................................... 31 Report of State Chartered Commercial Banks......................................................................................... 34 Report of State Chartered Non-Profit Organization ............................................................................... 110 Report of State Chartered Trust Companies.......................................................................................... 112 Report of Regional/County Industrial Development Corporations ......................................................... 114 Commercial Banks Listed by County ..................................................................................................... 118 Map of Arkansas Counties ..................................................................................................................... 124 Arkansas Bank Holding Companies ...................................................................................................... 126 Out of State Bank Holding Companies .................................................................................................. 168 Abbreviations ......................................................................................................................................... 169 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-Sixth 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 ............. 4 Arkansas State Bank Department STATE BANKING BOARD MEMBERS Mr. Lindley V. Smith, Jr. Chairman Bank of Tuckerman P. O. Box 1000 Tuckerman, AR 72473-1000 VOICE: (870) 349-5155 FAX: (870) 349-5170 TERM EXPIRES: 12-31-2000 Ms. Phyllis Kincannon Vice Chairman 200 Bay Point Cove Maumelle, AR 72113 VOICE: (501) 851-1722 TERM EXPIRES: 12-31-2001 Ms. Judy Loving The Bank of Yellville 105 North Panther Avenue P.O. Box 325 Yellville, AR 72687 VOICE: (870) 449-4231 FAX: (870) 449-4866 TERM EXPIRES: 12-31-2002 Mr. Bob Douglas 2507 East 9th Texarkana, AR 71854 VOICE: (870) 773-3633 TERM EXPIRES: 12-31-2003 Mr. Theodore Skokos 425 West Capitol Avenue, Suite 3200 Little Rock, AR 72201-3409 VOICE: (501) 374-1107 TERM EXPIRES: 12-31-2003 Mr. David Bartlett Alliance Bank of Hot Springs 100 Werner Drive P.O. Box 22000 Hot Springs, AR 71903 VOICE: (501) 318-1001 FAX: (501) 318-1020 TERM EXPIRES: 12-31-2004 Eighty-Sixth Report Arkansas State Bank Department 323 Center Street, Catlett-Prien Building, Suite 500 Little Rock, AR 72201-2663 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 Marivel Tounzen − 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 Jim S. Gowen, Jr. − Financial Analyst Richard Plotkin – 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 − Systems Programmer Greg F. Langley − Systems Programmer Data Processing Support Research and Development Application Programming ADMINISTRATION DIVISION Gail Green – Fiscal Manager Jacklyn B. Grobmyer – Accounting Service Representative I Vicki A. Wise – Accounting Service Representative I Accounting and Employee Services Expense Disbursement Budget and Personnel Performance Evaluation Cynthia L. Nixon − Management Project Analyst Supervisor Jane R. English − Administrative Assistant II Lori A. Farr − Administrative Assistant III Barbara A. Mahoney − Administrative Assistant II Martha A. Harris − Administrative Assistant I Marilyn R. Myers − Administrative Assistant II Administrative Support Examination Support and Processing Data Entry Eighty-Sixth 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 Marivel Tounzen − Regional Supervisor Luke B. Webre − Commissioned Senior Examiner Paula K. Wilson − Commissioned Senior Examiner Todd D. Smith − Commissioned Senior Examiner Kelly Shewmaker – Financial Examiner I Steven Sosebee – Financial Examiner I Cara K. Lank – Financial Examiner Trainee Joseph M. Payne – 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 Roy D. Jackson – Commissioned Senior Examiner Terry R. Dickson − Commissioned Senior Examiner Susannah Barker – Commissioned Senior Examiner Misty Micenhamer – Bank Senior Examiner John Householder – Bank Senior Examiner Thomas J. Anderson – Financial Examiner I 7 8 Arkansas State Bank Department LITTLE ROCK OFFICE Richard D. Buzbee − Regional Supervisor Jerry C. Corrothers − Commissioned Senior Examiner M. Gregg Qualls − Commissioned Senior Examiner Robert M. Henry − Commissioned Senior Examiner Ronnie M. Peters − Bank Senior Examiner Jeffrey Cameron – Bank Senior Examiner Jarrod W. Yarnell – Financial Examiner I John W. Alderson – Financial Examiner I Kelvin T. Marshall – Financial Examiner I Michael Green – Financial Examiner Trainee Jamie A. Bazarow – Financial Examiner Trainee Emily B. Harrison – Financial Examiner Trainee Kevin C. Mosley – 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 Michael G. Saunders – Commissioned Senior Examiner Stacey D. Walter − Bank Senior Examiner Jason E. Willard – Bank Senior Examiner Jessica O’Bryan – Financial Examiner Trainee INFORMATION SYSTEMS Robert H. Carr, III - IS Supervisor Eighty-Sixth Report STATE CHARTERED BANKS' CORPORATE NAME CHANGES/RELOCATIONS BANK NEW NAME/LOCATION Danville State Bank Danville Chambers Bank Danville The Bank of Elkins Elkins Community Bank of North Arkansas Elkins The Bank of Glenwood Glenwood Arkansas Diamond Bank Glenwood First Service Bank of Greenbrier Greenbrier First Service Bank Greenbrier Arvest Bank Huntsville Arvest Bank Fort Smith Horizon Bank of Columbia County Magnolia Summit Bank, Inc. Magnolia Summit Bank, Inc. Magnolia Summit Bank Arkadelphia American State Bank Osceola American State Bank Jonesboro Southeast Arkansas Bank Parkdale Delta Trust & Bank Parkdale First Western Bank and Trust Company Rogers Twin City Bank North Little Rock 9 Arkansas State Bank Department 10 STATE CHARTERED BANKS MERGED FROM JULY 1, 1999, TO JUNE 30, 2000 BANK MERGED INTO Commercial Bank at Alma Alma City National Bank of Fort Smith Fort Smith The Arkansas Bank Jonesboro Regions Bank Birmingham, Alabama The Planters Bank Osceola Regions Bank Birmingham, Alabama The Arkansas Bank Walnut Ridge Regions Bank Birmingham, Alabama CHARTERS APPROVED Southern Bank of Commerce 1727 West Kingshighway Paragould, Arkansas 72450 (Charter Date November 4, 1999) CHARTER CONVERSIONS Arvest Bank 104 South Hughes Huntsville, Arkansas 72740 (Converted from a national charter February 17, 2000) Arvest Bank 201 West Walnut Rogers, Arkansas 72756 (Converted from a national charter April 20, 2000) Eighty-Sixth Report 11 NEW BRANCHES APPROVED FROM JULY 1, 1999, TO JUNE 30, 2000 BANK LOCATION Elk Horn Bank and Trust Company Arkadelphia 109 W. P. Malone Drive Arkadelphia Summit Bank Arkadelphia 608 East Page Malvern Summit Bank Arkadelphia 401 Section Line Road Hot Springs Bank of Bentonville Bentonville 2214 Fayetteville Road Van Buren Bank of Bentonville Bentonville 3200 Rogers Avenue Fort Smith Bank of Bentonville Bentonville 3421 South 74 Street Fort Smith Community Bank Cabot 1900 John Hardin Jacksonville Farmers Bank and Trust Company Clarksville 502 South Crawford Clarksville First State Bank Conway 2690 Donaghey Avenue Conway First State Bank Conway 582 Highway 365 Mayflower Bank of Dardanelle Dardanelle 3201 West Main Russellville Community Bank of North Arkansas Elkins 2522 Champions Drive Rogers First Service Bank Greenbrier Highway 65 North Clinton Greers Ferry Lake State Bank Heber Springs 8548 Edgemont Greers Ferry th 12 Arkansas State Bank Department BANK LOCATION Alliance Bank of Hot Springs Hot Springs 1431 Albert Pike Hot Springs First State Bank Huntsville 3401 Mission Boulevard Fayetteville First Arkansas Bank & Trust Jacksonville 2000 John Harden Drive Jacksonville American State Bank Jonesboro 2201 Fair Park Jonesboro American State Bank Jonesboro 4507 West Kingshighway Paragould American State Bank Jonesboro 11525 Highway 49 North Marmaduke Heritage Bank Jonesboro 319 East Street Jonesboro Pine State Bank Kingsland West 4 and Main Fordyce Madison Bank and Trust Kingston 11220 Rodney Parham Little Rock Simmons First Bank of South Arkansas Lake Village 822 Highways 65 and 82 South Lake Village Bank of the Ozarks Little Rock 2520 South Zero Street Fort Smith Bank of the Ozarks Little Rock 104 West Old Main Yellville Central Bank & Trust Little Rock 1123 South University Little Rock One Bank & Trust Little Rock Highways 9 and 92 Center Ridge th Eighty-Sixth Report 13 BANK LOCATION Merchants & Planters Bank Newport Vine Street and Highway 69 Newark Twin City Bank North Little Rock 3911 MacArthur Drive North Little Rock Bank of Paragould Paragould 7281 Highway 34 East Marmaduke Delta Trust & Bank Parkdale 2924 Kavanaugh Little Rock First State Bank Plainview 31 Highway 331 Russellville First Community Bank Pocahontas 209 West Washington Jonesboro Portland Bank Portland 101 Cedar Street Crossett First Arkansas Valley Bank Russellville 3093 East Main Russellville First Security Bank Searcy 2630 Citizens Drive Fayetteville First Security Bank Searcy 1140 Highway 25B Heber Springs Arkansas State Bank Department 14 STATE CHARTERED SUBCHAPTER S CORPORATION BANKS BANK CITY Bank of Brinkley Brinkley Arkansas Diamond Bank Glenwood First Arkansas Bank & Trust Jacksonville Little River Bank Lepanto One Bank & Trust Little Rock Bank of Lockesburg Lockesburg The Peoples Bank Magnolia Diamond State Bank Murfreesboro The Perry County Bank Perryville First State Bank Plainview Merchants & Planters Bank Sparkman Eighty-Sixth Report 15 The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 1999 through June 30, 2000. RECEIPTS Cash Balance June 30, 1999..................................................... $3,934,311.69 Examination and Assessment Fees ....................... 4,319,717.50 Charter and Amendment Fees .................................... 33,400.00 Teller's Facility Application and all Protest Fees................................................. 207,700.00 Miscellaneous Fees ....................................................... 3,824.50 Reimbursement for M & R Sales ................................... 7,178.12 Refund to Expenditures − Prior Year ............................. 2,864.61 Refund to Expenditures − Current Year....................... 14,345.77 Outlawed Warrants ........................................................... 275.26 Old Year Warrant Cancellation ................................................-0Total Receipts 4,589,305.76 $8,523,617.45 DISBURSEMENTS Salaries................................................................... 2,926,217.60 Extra Help Salaries ........................................................... 442.80 Maintenance and General Operations....................... 653,738.24 S.S., Retirement and Insurance Matching ................................................................. 719,464.10 Professional Services and Fees .................................. 12,250.00 Conference Fees and Travel ..................................... 179,878.87 Capital Outlay ............................................................ 180,629.16 Data Processing ......................................................................-0Proceeds from M & R ..............................................................-0Service Charge by State Treasurer ............................. 68,412.29 Total Disbursements 4,741,033.06 Cash Balance June 30, 2000 3,782,584.39 $8,523,617.45 16 Arkansas State Bank Department 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 Stephen C. Race ..................................... 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 Wade Ruckle ..................................................................... Field Office Supervisor 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 Eighty-Sixth Report FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 411 Locust Street P. O. Box 442 St. Louis, Missouri 63166 VOICE: (314) 444-8444 FAX: (314) 444-8740 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 Applications, Risk Management, Statistics, Credit & Payment 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 N. Lynn Greenwood ............................................................................. Vice President Public Affairs Jean M. Lovati ...................................................................................... Vice President Information Technology Services & Information Security Kim D. Nelson.......................................................................................Vice President Supervision & Regulation Michael J. Mueller ................................................................................ Vice President Human Resources 17 18 Arkansas State Bank Department FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 (Continued) Marilyn K. Corona.................................................................................Vice President Corporate Accounting & Customer Relations Michael D. Renfro...............................................................................General Auditor Audit David A. Sapenaro ...............................................................................Vice President Treasury Relations & Systems Support William J. Sneed ...................................................................................Vice President Support Services Randall C. Sumner ...............................................................................Vice President Community Affairs 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 Thomas R. Callaway ............................................................. 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 Eighty-Sixth Report 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 ....................................................Acting Assistant Deputy Comptroller For Midsize/Credit Card Banks Central and Western Oklahoma Field Office The Harvey Parkway Building rd 301 NW 63 Street, Suite 490 Oklahoma City, Oklahoma 73116 VOICE: (405) 848−8058 FAX: (405) 848-8085 Kyle Jones ..................................................................Assistant Deputy Comptroller 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 Eastern Oklahoma Field Office Executive Center Building 7134 South Yale, Suite 910 Tulsa, OK 74136-6360 VOICE: (918) 492-2082 FAX: (918) 492-2092 Leigh Hoge .................................................................Assistant Deputy Comptroller 19 20 Arkansas State Bank Department COMPTROLLER OF THE CURRENCY Southeastern District Office Marquis One Tower, Suite 600 245 Peachtree Center Avenue, N.E. Atlanta, Georgia 30303−1223 VOICE: (404) 659-8855 FAX: (404) 588-4532 Archie L. Bransford, Jr..................................................................Deputy Comptroller H. Gary Pannell ..................................................................................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 Eighty-Sixth Report 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 Don Pattillo .................................................................................................President Chief Executive Officer and President The Farmers and Merchants Bank, Stuttgart Bob L. Burns...............................................................................First Vice President Chief Executive Officer and President Farmers Bank and Trust Company, Magnolia Larry E. Kircher..................................................................... Second Vice President President and Chief Operating Officer Citizens State Bank, Bald Knob Larry T. Wilson ...........................................................................................Treasurer Chief Executive Officer and President First Arkansas Bank & Trust, Jacksonville YOUNG BANKERS SECTION OFFICERS Jim Homan .................................................................................................President The Malvern National Bank, Malvern Kendall Henry............................................................................. First Vice President The Merchants and Planters Bank, Clarendon Gina Daniell ................................................................................................Secretary Elk Horn Bank and Trust Company, Arkadelphia Chris Welch ................................................................................................Treasurer The Bank of Fayetteville, N.A., Fayetteville Avona Kasselman .................................................................Education Coordinator Simmons First Bank of Russellville, Russellville 21 22 Arkansas State Bank Department ARKANSAS COMMUNITY BANKERS ASSOCIATION P. O. Box 20210 Hot Springs, Arkansas 71903-0210 VOICE: (800) 771-1634 FAX: (501) 525-0637 E−Mail: 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 Dan Wingard.................................................................................................Secretary Chief Executive Officer and President Farmers Bank, Hamburg Greg B. Brown ............................................................................................. Treasurer Chairman and Chief Executive Officer The Union Bank of Benton, Benton Eighty-Sixth Report 23 CONSOLIDATED REPORT OF CONDITION OF THE 148 STATE CHARTERED COMMERCIAL BANKS (in millions) ASSETS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. June 30, 2000 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin.................................. $543 b. Interest-bearing balances ..................................................................................67 Securities: a. Held-to-maturity securities ........................................................................... 1,297 b. Available-for-sale securities......................................................................... 3,238 Federal funds sold and securities purchased under agreement to resell................................................. 206 Loans and lease financing receivables: a. Loans and leases, net of unearned income .............................................. 11,551 b. Less: Allowances for loan and lease losses................................................... 143 c. Less: Allocated transfer risk reserve ...................................................................0 d. Loans and leases, net of unearned income allowance, and reserve.............................................................................. 11,408 Trading assets ................................................................................................................0 Premises and fixed assets (including capitalized leases)......................................... 391 Other real estate owned ...............................................................................................26 Investments in unconsolidated subsidiaries and associated companies.......................................................................................9 Customers liability to this bank on acceptances outstanding..........................................................................................0 Intangible assets...........................................................................................................96 Other assets .............................................................................................................. 300 Total assets ........................................................................................................ $17,581 LIABILITIES 13. 14. 15. 16. 17. 18. 19. 20. Deposits: a. In domestic offices ................................................................................... $14,694 (1) Noninterest-bearing................................................................................ 1,847 (2) Interest-bearing .................................................................................... 12,847 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 agreement to repurchase.................................................. 354 Demand notes issued to the U.S. Treasury.................................................................27 Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) .................................................................. 786 Bank's liability on acceptances executed and outstanding............................................0 Notes and debentures subordinated to deposits ...........................................................6 Other liabilities ........................................................................................................... 109 Total liabilities ....................................................................................................... 15,976 EQUITY CAPITAL 21. 22. 23. 24. 25. 26. 27. Perpetual preferred stock ...............................................................................................2 Common stock..............................................................................................................68 Surplus....................................................................................................................... 621 a. Undivided profits and capital reserves ................................................................ 978 b. Net unrealized holding gains (losses) on available-for-sale securities.................(64) Cumulative foreign currency translation adjustment......................................................0 Total equity capital.................................................................................................. 1,605 Total liabilities, limited-life preferred stock and equity capital ............................ $17,581 Arkansas State Bank Department 24 CONSOLIDATED STATEMENT OF CONDITION OF THE 72 STATE CHARTERED TRUST DEPARTMENTS (in millions) June 30, 2000 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 ....................................................................$4 b. Other Institutions .................................................................................................. 2 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions ....................................................................89 b. Other Institutions ................................................................................................56 U.S. Government and Agency Obligations ................................................................143 State, County and Municipal Obligations .....................................................................37 Other Short-Term Obligations......................................................................................... 0 Other Notes and Bonds ................................................................................................35 Money Market Funds ....................................................................................................68 Other Mutual Funds ......................................................................................................84 Stocks..........................................................................................................................147 Collective Investment Fund Units ................................................................................... 9 Real Estate Mortgages ................................................................................................... 5 Real Estate....................................................................................................................58 Miscellaneous Assets ...................................................................................................21 Suspense Accounts ......................................................................................................20 Other ..........................................................................................................................141 Total ........................................................................................................................$919 LIABILITIES Personal Accounts: 17. Personal Trusts........................................................................................................ $205 18. Estates & Guardianships ..............................................................................................36 Employee Benefit Accounts: 19. Trusts ..........................................................................................................................139 20. Agencies .......................................................................................................................42 All Other Agencies: 21. Investment Mgmt & Advisory........................................................................................76 22. Custodial .....................................................................................................................127 23. All Other ........................................................................................................................68 Corporate and Municipal Securities Appointments: 24. Bond Trusteeships ......................................................................................................101 25. Agencies .....................................................................................................................123 Collective Investment Funds: 26. Employee Benefits ..........................................................................................................1 27. Other .............................................................................................................................. 0 28. Profit Accounts................................................................................................................ 0 29. Suspense Accounts ........................................................................................................ 1 30. Total ........................................................................................................................$919 Eighty-Sixth Report CONSOLIDATED REPORT OF CONDITION OF THE 46 NATIONAL BANKS (in millions) ASSETS June 30, 2000 1. Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ................................... $347 b. Interest-bearing balances....................................................................................34 2. Securities: a. Held-to-maturity securities .............................................................................. 751 b. Available-for-sale securities .......................................................................... 1,945 3. Federal funds sold and securities purchased under agreement to resell ................................................... 172 4. Loans and lease financing receivables: a. Loans and leases, net of unearned income.................................................. 5,090 b. Less: Allowances for loan and lease losses .......................................................64 c. Less: Allocated transfer risk reserve.....................................................................0 d. Loans and leases, net of unearned income allowance, and reserve ................................................................................. 5,026 5. Trading assets ..................................................................................................................0 6. Premises and fixed assets (including capitalized leases)........................................... 148 7. Other real estate owned .................................................................................................13 8. Investments in unconsolidated subsidiaries and associated companies .........................................................................................2 9. Customers liability to this bank on acceptances outstanding ............................................................................................0 10. Intangible assets .............................................................................................................34 11. Other assets................................................................................................................. 145 12. Total assets............................................................................................................. $8,617 LIABILITIES 13. Deposits: a. In domestic offices....................................................................................... $7.089 (1) Noninterest-bearing ................................................................................. 1,105 (2) Interest-bearing........................................................................................ 5,984 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs...........................................................................................0 (1) Noninterest-bearing .........................................................................................0 (2) Interest-bearing................................................................................................0 14. Federal funds purchased and securities sold under agreement to repurchase .................................................... 293 15. Demand notes issued to the U.S. Treasury ...................................................................18 16. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases)..................................................................... 271 17. Bank's liability on acceptances executed and outstanding..............................................0 18. Notes and debentures subordinated to deposits .............................................................0 19. Other liabilities ................................................................................................................67 20. Total liabilities ........................................................................................................... 7,738 EQUITY CAPITAL 21. 22. 23. 24. Perpetual preferred stock .................................................................................................1 Common stock................................................................................................................38 Surplus......................................................................................................................... 238 a. Undivided profits and capital reserves................................................................... 639 b. Net unrealized holding gains (losses) on available-for-sale securities.................. (37) 25. Cumulative foreign currency translation adjustment ....................................................... 0 26. Total equity capital....................................................................................................... 879 27. Total liabilities, limited-life preferred stock and equity capital ................................ $8,617 25 26 Arkansas State Bank Department TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2000 BANK CITY First National Bank of Altheimer Bank of Amity 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 The Union Bank of Bryant Community Bank The First National Bank of Izard County First Bank of South Arkansas Merchants and Planters Bank, N.A. 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 The First National Bank of DeQueen First State Bank of DeQueen Altheimer Amity Arkadelphia Arkadelphia Ash Flat Ashdown Augusta Bald Knob Batesville Batesville Bearden Benton Bentonville Bentonville Berryville Blevins Blytheville Blytheville Booneville Bradley Brinkley Bryant Cabot Calico Rock Camden Camden Cave City Clarendon Clarksville Conway Conway Corning Crossett Crossett Danville Dardanelle DeQueen DeQueen RATIO 19.80 10.09 9.00 8.61 8.73 10.76 13.15 10.82 6.89 9.73 23.11 8.34 7.00 5.83 13.51 11.18 11.24 12.29 7.59 9.67 14.26 7.98 7.82 20.30 8.04 9.71 9.54 11.85 8.76 8.34 11.98 15.12 8.73 8.83 8.97 9.16 16.03 10.77 Eighty-Sixth Report 27 BANK CITY DeWitt Bank And Trust Company The First National Bank of DeWitt Decatur State Bank Bank of Delight First National Bank of Howard County Merchants & Farmers Bank Simmons First Bank of Dumas First Financial Bank The First National Bank of El Dorado Simmons First Bank of El Dorado, N.A. The Delta State Bank Community Bank of North Arkansas 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. McIlroy Bank & Trust Fordyce Bank & Trust Company First National Bank of Eastern Arkansas Forrest City Bank, National Association Arvest Bank The City National Bank of Fort Smith 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 First State Bank of Gurdon 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 Citizens National Bank of Hope The First National Bank of Hope DeWitt DeWitt Decatur Delight Dierks Dumas Dumas El Dorado El Dorado El Dorado Elaine Elkins England Eudora Eureka Springs Evening Shade Fayetteville Fayetteville Fayetteville Fordyce Forrest City Forrest City Fort Smith Fort Smith Fort Smith Gillett Glenwood Gravette Gravette Green Forest Greenbrier Greenwood Gurdon Hamburg Hampton Harrisburg Harrison Heber Springs Heber Springs Heber Springs Helena Helena Hope Hope RATIO 16.73 10.63 11.77 14.67 15.52 13.43 9.39 6.03 9.32 8.48 6.69 7.20 8.16 8.61 11.65 8.96 8.30 7.42 7.09 8.86 12.59 8.15 63.80 9.13 14.62 12.00 8.66 11.34 12.97 11.00 9.12 19.78 8.58 10.10 11.12 10.52 7.63 9.56 8.83 9.06 10.64 8.92 9.44 16.03 28 Arkansas State Bank Department BANK CITY Horatio State Bank Alliance Bank of Hot Springs First National Bank The Planters National Bank of Hughes First State Bank Peoples Bank First Arkansas Bank & Trust American State Bank Heritage Bank MidSouth Bank Simmons First Bank of Jonesboro Pine State Bank 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 & Trust Pinnacle Bank Pulaski Bank And Trust Company Bank of Lockesburg First State Bank Farmers Bank and Trust Company First National Bank of Magnolia The Peoples Bank The Malvern National Bank Southern State Bank The Merchants and Planters Bank Bank of Mansfield First National Bank at Marianna First Community Bank of Eastern Arkansas Marked Tree Bank Bank of McCrory The First National Bank of McGehee McGehee Bank The Bank of North Arkansas First National Bank in Mena Horatio Hot Springs Hot Springs Hughes Huntsville Imboden Jacksonville Jonesboro Jonesboro Jonesboro Jonesboro Kingsland 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 Magnolia Malvern Malvern Manila Mansfield Marianna Marion Marked Tree McCrory McGehee McGehee Melbourne Mena RATIO 10.30 9.89 9.49 8.58 7.29 8.06 13.71 7.13 7.59 6.45 7.41 6.62 5.88 12.37 8.46 13.39 11.21 8.71 9.67 7.51 7.84 6.97 8.36 7.02 9.46 7.04 6.82 15.01 7.18 7.87 9.36 10.37 9.54 9.12 14.49 10.05 11.72 14.00 8.71 10.62 12.06 19.29 9.10 12.59 Eighty-Sixth Report 29 BANK CITY 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 Peoples Bank Southern Bank of Commerce The First National Bank at Paris Delta Trust & Bank First State Bank The Perry County Bank Piggott State Bank Pine Bluff National Bank Simmons First National Bank First State Bank Bank of Pocahontas First Community Bank 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 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 Paragould Paragould Paris Parkdale Parkin Perryville Piggott Pine Bluff Pine Bluff Plainview Pocahontas Pocahontas Portland Portland Prairie Grove Prescott Rison Rogers Rogers Rogers Russellville Russellville Russellville Salem Scranton Searcy Searcy RATIO 11.88 9.46 9.57 9.09 13.87 13.71 8.09 9.15 17.49 7.05 7.76 13.66 7.48 8.81 36.46 10.86 15.55 7.51 32.29 8.64 16.48 6.76 7.10 9.77 7.59 8.61 5.97 8.54 6.71 18.08 6.55 6.85 10.52 15.37 7.33 7.13 7.67 6.97 8.23 12.38 9.07 15.50 8.01 7.48 30 Arkansas State Bank Department BANK CITY Arkansas State Bank First Arvest Bank Smackover State Bank Merchants & Planters 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 First United Bank Bank of Trumann Bank of Tuckerman First Delta Bank Citizens Bank & Trust Company Bank of Waldron The Scott County Bank The First National Bank of Lawrence County First State Bank of Warren Warren Bank and Trust Company Fidelity National Bank Cross County Bank The First National Bank of Wynne The Bank of Yellville Siloam Springs Siloam Springs Smackover Sparkman Springdale Springdale Stamps Star City Stephens Stuttgart Stuttgart Trumann Tuckerman Tyronza Van Buren Waldron Waldron Walnut Ridge Warren Warren West Memphis Wynne Wynne Yellville RATIO 19.81 7.34 10.85 7.20 9.79 6.46 16.11 10.75 10.15 12.64 9.42 13.90 11.84 8.78 10.65 15.28 8.29 12.56 10.37 14.91 7.10 9.14 11.39 7.73 Eighty-Sixth Report 31 NATIONAL BANKS June 30, 2000 (000’s omitted) BANK CITY First National Bank of Altheimer First National Bank of Sharp County The First National Bank Arkansas National Bank The First National Bank of Berryville The First National Bank in Blytheville The First National Bank of Izard County Merchants and Planters Bank, N.A. First National Bank of Crossett The First National Bank of DeQueen The First National Bank of DeWitt First National Bank of Howard County The First National Bank of El Dorado Simmons First Bank of El Dorado, N.A. Bank of Arkansas, National Association The Bank of Fayetteville, National Association First National Bank of Eastern Arkansas Forrest City Bank, National Association The City National Bank of Fort Smith 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 Citizens National Bank of Hope The First National Bank of Hope First National Bank The Planters National Bank of Hughes The First National Bank of Lewisville Metropolitan National Bank First National Bank of Magnolia The Malvern National Bank First National Bank at Marianna The First National Bank of McGehee First National Bank in Mena First National Bank & Trust Company Citizens National Bank of Nashville National Bank of Arkansas in North Little Rock Altheimer Ash Flat Ashdown Bentonville Berryville Blytheville Calico Rock Camden Crossett DeQueen DeWitt Dierks El Dorado El Dorado Fayetteville Fayetteville Forrest City Forrest City Fort Smith Fort Smith Gravette Green Forest Helena Helena Hope Hope Hot Springs Hughes Lewisville Little Rock Magnolia Malvern Marianna McGehee Mena Mountain Home Nashville North Little Rock ASSETS 11,826 176,866 72,114 456,100 123,113 149,501 98,359 96,342 113,487 112,126 98,406 43,807 284,638 159,291 139,707 180,990 205,523 71,515 605,652 597,672 28,356 211,330 122,665 120,648 258,125 118,843 98,892 21,260 26,663 612,953 216,902 285,113 50,913 40,674 128,761 253,843 42,693 106,642 32 Arkansas State Bank Department BANK CITY 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 Paragould Paris Pine Bluff Pine Bluff Springdale Walnut Ridge West Memphis Wynne ASSETS 257,657 78,825 177,783 854,389 330,747 85,384 117,480 167,483 Eighty-Sixth Report REPORT OF THE ONE HUNDRED FORTY-EIGHT STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2000 Arkansas State Bank Department 34 Bank of Amity Amity, AR VOICE: (870) 342-5268 FAX: (870) 342-9594 Population: 526 Public Square Charter Number: 198 P. O. Box 38 Date: January 30, 1905 71921-0038 County: Clark Trust Department: No Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm: Edward J. Taylor VP: Lori Johns Pres/Cash: Diane T. Owens Cash and Due from:...................................... 3,077 Federal Funds and Repos: ........................... 2,500 Investments: ............................................... 16,934 Total Loans:................................................ 38,616 Premises and Fixed Assets: ............................ 625 Other Real Estate: ............................................... 0 Other Assets:................................................... 909 Total Assets:............................................... 62,661 Total Trust Assets:............................................... 0 Deposits: .................................................... 55,331 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 472 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 55,803 Total Equity Capital and Reserves: ............... 6,858 Total Liabilities and Capital: ........................ 62,661 Number of Shares Outstanding:.................... 4,000 Directors: John Ed Chambers, III; Danny Dunlap; Huey Grant; Jimmy Jones; Hazel Richardson; Edward J. Taylor; Jimmy Williams Branches in Town: None Other Branches: Kirby 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 Department: Yes Bank Holding Company Southern Development Bancorporation, Inc., Arkadelphia, AR CEO/Pres: I. Joe Miles SVP: Gina Daniell EVP/COO: David Harrison TO: Beth S. Marshall Cash and Due from:...................................... 5,094 Federal Funds and Repos: ........................... 3,150 Investments: ............................................... 22,830 Total Loans:................................................ 83,086 Premises and Fixed Assets: ......................... 3,333 Other Real Estate: ............................................. 38 Other Assets:................................................ 1,787 Total Assets:............................................. 119,318 Total Trust Assets:........................................... 935 Deposits: .................................................. 106,613 Federal Funds and Borrowings: ....................... 389 Other Liabilities:............................................... 846 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 107,848 Total Equity Capital and Reserves: ............. 11,470 Total Liabilities and Capital: ...................... 119,318 Number of Shares Outstanding:.................. 24,000 Directors: Thomas B. Barksdale; James Blanton; W. H. Brandon, Jr.; James Harrington; Geneva Hunter; Mike Kolb; J. Hugh Lookadoo; Mary Jo Mann; I. Joe Miles; Veda Morgan; Roy N. Shope; William G. Wright Branches in Town: Two Other Branches: Bismarck, Caddo Valley Eighty-Sixth Report 35 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 Department: No Bank Holding Company Summit Bancorp, Inc., Arkadelphia, AR Chm: Ross M. Whipple EVP: John A. Bryant CEO/Pres: Marcus J. McCain SVP/Cash: Kathie L. Bledsoe Cash and Due from:...................................... 2,793 Federal Funds and Repos:............................... 205 Investments: ............................................... 54,847 Total Loans:................................................ 85,448 Premises and Fixed Assets:.......................... 4,676 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,917 Total Assets:............................................. 149,886 Total Trust Assets:............................................... 0 Deposits:................................................... 119,428 Federal Funds and Borrowings: .................. 18,330 Other Liabilities: ............................................... 696 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 138,454 Total Equity Capital and Reserves: ............. 11,432 Total Liabilities and Capital: ...................... 149,886 Number of Shares Outstanding:...........................0 Directors: Kathie L. Bledsoe; John A. Bryant; Marcus J. McCain; Ross M. Whipple Branches in Town: None Other Branches: Hot Springs, Magnolia, Malvern 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 Department: Yes Bank Holding Company None VP: Ronnie Jones Cash/TO: Martha Ray Cash and Due from:...................................... 1,732 Federal Funds and Repos:............................ 5,025 Investments: ............................................... 15,888 Total Loans:................................................ 18,235 Premises and Fixed Assets:............................. 239 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,451 Total Assets:............................................... 42,570 Total Trust Assets:........................................ 2,341 Deposits:..................................................... 36,353 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 285 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 36,638 Total Equity Capital and Reserves: ............... 5,932 Total Liabilities and Capital: ........................ 42,570 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 36 Arkansas State Bank Department 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 Department: Yes Bank Holding Company Citizens State Bankshares of Bald Knob, Inc., Bald Knob, AR Chm/CEO: Juanita Litzelfelner EVP: Wendell Nier Pres/COO/TO: Larry Kircher VP: Tom Mueller Cash and Due from:...................................... 1,645 Federal Funds and Repos: ........................... 1,845 Investments: ............................................... 22,738 Total Loans:................................................ 22,710 Premises and Fixed Assets: ............................ 708 Other Real Estate: ........................................... 314 Other Assets:................................................ 1,096 Total Assets:............................................... 51,056 Total Trust Assets:........................................ 2,275 Deposits: .................................................... 45,372 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 354 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 45,726 Total Equity Capital and Reserves: ............... 5,330 Total Liabilities and Capital: ........................ 51,056 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 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 Department: 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:...................................... 9,312 Federal Funds and Repos: ........................... 1,055 Investments: ............................................. 105,134 Total Loans:.............................................. 182,938 Premises and Fixed Assets: ......................... 5,393 Other Real Estate: ........................................ 1,775 Other Assets:................................................ 5,011 Total Assets:............................................. 310,618 Total Trust Assets:...................................... 57,267 Deposits: .................................................. 258,236 Federal Funds and Borrowings: .................. 28,994 Other Liabilities:............................................... 776 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 288,006 Total Equity Capital and Reserves: ............. 22,612 Total Liabilities and Capital: ...................... 310,618 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 Eighty-Sixth Report 37 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 Department: 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:...................................... 3,531 Federal Funds and Repos:............................... 825 Investments: ............................................... 34,565 Total Loans:................................................ 85,213 Premises and Fixed Assets:.......................... 1,495 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,305 Total Assets:............................................. 126,934 Total Trust Assets:............................................... 0 Deposits:................................................... 106,199 Federal Funds and Borrowings: .................... 8,054 Other Liabilities: ............................................... 416 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 114,669 Total Equity Capital and Reserves: ............. 12,265 Total Liabilities and Capital: ...................... 126,934 Number of Shares Outstanding:.................. 34,523 Directors: Don Buckliew; Dale E. Cole; Preston W. Grace, III; Jim Haney; Ray Lacroix; George Rider; Bill Roussel; Frank Tripp; Sheila Wagnon Branches in Town: One Other Branches: Searcy Bank of Bearden Bearden, AR VOICE: (870) 687-2233 FAX: (870) 687-2474 Population: 1,021 Chm/Pres: Rick Green EVP: Ken Riley Second and Cedar Streets Charter Number: 688 P. O. Box 135 Date: June 17, 1945 71720-0135 County: Ouachita Trust Department: No Bank Holding Company None VP/Cash: Susan Lusby Cash and Due from:...................................... 2,315 Federal Funds and Repos:............................ 1,560 Investments: ................................................. 7,907 Total Loans:................................................ 16,283 Premises and Fixed Assets:............................... 71 Other Real Estate: ............................................... 0 Other Assets:................................................... 301 Total Assets:............................................... 28,437 Total Trust Assets:............................................... 0 Deposits:..................................................... 21,654 Federal Funds and Borrowings: ...........................0 Other Liabilities: .................................................97 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 21,751 Total Equity Capital and Reserves: ............... 6,686 Total Liabilities and Capital: ........................ 28,437 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 38 Arkansas State Bank Department 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 Department: Yes Bank Holding Company Union Bancshares of Benton, Inc., Benton, AR Chm/CEO: Greg B. Brown TO: James Handley Pres: Bob Gregory Cash and Due from:...................................... 5,670 Federal Funds and Repos: .................................. 0 Investments: ............................................... 74,910 Total Loans:................................................ 65,491 Premises and Fixed Assets: ......................... 1,662 Other Real Estate: ............................................... 9 Other Assets:................................................ 2,494 Total Assets:............................................. 150,236 Total Trust Assets:........................................... 418 Deposits: .................................................. 109,995 Federal Funds and Borrowings: .................. 26,641 Other Liabilities:............................................... 942 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 137,578 Total Equity Capital and Reserves: ............. 12,658 Total Liabilities and Capital: ...................... 150,236 Number of Shares Outstanding:.................. 72,940 Directors: Greg B. Brown; Lilburn Carlisle; Bob Gregory; J. D. Harris; Debra Keen; Ron Kuerner; I. E. McCray, Jr.; John Young Branches in Town: Two Other Branches: Bryant, Hot Springs (2), Mabelvale 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 Department: Yes Member of Federal Reserve System Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm: Jim C. Walton SVP: Tony Bornhoft CEO/Pres: David Short SVP/Cash: Marla England Cash and Due from:.................................... 19,110 Federal Funds and Repos: ........................... 8,175 Investments: ............................................. 134,736 Total Loans:.............................................. 430,285 Premises and Fixed Assets: ......................... 9,018 Other Real Estate: ........................................... 619 Other Assets:.............................................. 14,782 Total Assets:............................................. 616,725 Total Trust Assets:............................................... 0 Deposits: .................................................. 538,556 Federal Funds and Borrowings: .................. 26,437 Other Liabilities:............................................ 4,357 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 569,350 Total Equity Capital and Reserves: ............. 47,375 Total Liabilities and Capital: ...................... 616,725 Number of Shares Outstanding:.................. 65,492 Directors: Edward F. Adair; Neff Basore; Chuck Carmer; Phillip Fletcher; David Glass; Horace Hardwick; Robert Holder; Nancy Leake; Tom McCoy; David Short; Jim C. Walton Branches in Town: Five Other Branches: Anderson, Bella Vista (3), Centerton, Gravette, Noel, MO, Shell Knob, MO Eighty-Sixth Report 39 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 Department: 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:......................................... 407 Federal Funds and Repos:............................... 250 Investments: ................................................. 6,919 Total Loans:.................................................. 7,463 Premises and Fixed Assets:............................. 238 Other Real Estate: ............................................... 0 Other Assets:................................................... 273 Total Assets:............................................... 15,550 Total Trust Assets:............................................... 0 Deposits:..................................................... 13,817 Federal Funds and Borrowings: ...........................0 Other Liabilities: .................................................84 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 13,901 Total Equity Capital and Reserves: ............... 1,649 Total Liabilities and Capital: ........................ 15,550 Number of Shares Outstanding:.................... 8,050 Directors: William E. Butler, Jr.; Thomas E. Hays, Jr.; Charles E. Sharpe, Jr.; Fred Wren Branches in Town: None Other Branches: None Farmers Bank And Trust Company Blytheville, AR VOICE: (870) 763-8101 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 Department: 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:...................................... 3,649 Federal Funds and Repos:................................... 0 Investments: ............................................... 52,393 Total Loans:.............................................. 100,460 Premises and Fixed Assets:.......................... 3,158 Other Real Estate: ............................................... 7 Other Assets:................................................ 2,681 Total Assets:............................................. 162,348 Total Trust Assets:...................................... 20,799 Deposits:................................................... 133,751 Federal Funds and Borrowings: .................... 9,000 Other Liabilities: ............................................... 641 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 143,392 Total Equity Capital and Reserves: ............. 18,956 Total Liabilities and Capital: ...................... 162,348 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 40 Arkansas State Bank Department 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 Department: Yes Bank Holding Company First Western Bancshares, Inc., Booneville, AR Chm/CEO/Pres: John T. Hampton COO: Shirley Young EVP/CFO: Bill Mitchell Cash and Due from:...................................... 4,602 Federal Funds and Repos: ........................... 2,260 Investments: ............................................... 38,379 Total Loans:.............................................. 109,905 Premises and Fixed Assets: ......................... 4,054 Other Real Estate: ........................................... 521 Other Assets:................................................ 6,371 Total Assets:............................................. 166,092 Total Trust Assets:............................................... 0 Deposits: .................................................. 135,308 Federal Funds and Borrowings: .................. 15,773 Other Liabilities:............................................ 1,201 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 152,282 Total Equity Capital and Reserves: ............. 13,810 Total Liabilities and Capital: ...................... 166,092 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 Branches in Town: One Other Branches: Bella Vista, Magazine, Ratcliff, Rogers (2) 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 Department: No Bank Holding Company The Bradley Corporation, Bradley, AR Chm/CEO/Pres: Lane Pierce EVP: Billie Pierce Cash and Due from:......................................... 623 Federal Funds and Repos: ........................... 2,290 Investments: ................................................. 3,060 Total Loans:.................................................. 7,803 Premises and Fixed Assets: ............................ 225 Other Real Estate: ............................................... 0 Other Assets:................................................... 171 Total Assets:............................................... 14,172 Total Trust Assets:............................................... 0 Charter Number: 653 Date: April 10, 1933 County: Lafayette Deposits: .................................................... 12,648 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 62 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 12,710 Total Equity Capital and Reserves: ............... 1,462 Total Liabilities and Capital: ........................ 14,172 Number of Shares Outstanding:.................. 10,000 Directors: John Barnett; Gerald E. Crabtree; Billie Pierce; Lane Pierce Branches in Town: None Other Branches: None Eighty-Sixth Report 41 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 Department: No Bank Holding Company Brinkley Bancshares, Inc., Brinkley, AR Chm/CEO: A. H. Rusher EVP: Terry Singleterry Pres: Gus Rusher VP/Cash: Bentley Manatt Cash and Due from:...................................... 4,015 Federal Funds and Repos:............................... 200 Investments: ............................................... 52,551 Total Loans:................................................ 33,551 Premises and Fixed Assets:............................. 514 Other Real Estate: ............................................... 0 Other Assets:................................................ 2,261 Total Assets:............................................... 93,092 Total Trust Assets:............................................... 0 Deposits:..................................................... 81,259 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 662 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 81,921 Total Equity Capital and Reserves: ............. 11,171 Total Liabilities and Capital: ........................ 93,092 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 The Union Bank of Bryant Bryant, AR VOICE: (501) 847-5700 FAX: (501) 847-5723 Population: 5,269 Hwy 5 at Commonwealth Charter Number: 773 P. O. Box 880 Date: October 16, 1997 72089 County: Saline Trust Department: No Bank Holding Company Union Bancshares of Benton, Inc., Benton, AR Chm: Fred E. Briner VP: Ken Rhone CEO/Pres: Jim D. Ferguson Cash and Due from:...................................... 1,442 Federal Funds and Repos:................................... 0 Investments: ............................................... 26,775 Total Loans:................................................ 47,201 Premises and Fixed Assets:.......................... 2,023 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,054 Total Assets:............................................... 78,495 Total Trust Assets:............................................... 0 Deposits:..................................................... 67,583 Federal Funds and Borrowings: .................... 3,500 Other Liabilities: ............................................... 625 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 71,708 Total Equity Capital and Reserves: ............... 6,787 Total Liabilities and Capital: ........................ 78,495 Number of Shares Outstanding:................ 658,912 Directors: Fred E. Briner; Greg B. Brown; Ike Carter, Jr.; Curtis Ferguson; Jim D. Ferguson; Joe L. Finley; Susan E. Jester; Gary L. Keeter; I. E. McCray, Jr.; Larry R. Mitchell; John Young Branches in Town: None Other Branches: Benton (2), Little Rock 42 Arkansas State Bank Department Community Bank Cabot, AR VOICE: (501) 843-3575 FAX: (501) 843-0463 Population: 8,319 1 City Plaza Charter Number: 120 P. O. Box 1028 Date: March 23, 1903 72023-1028 County: Lonoke Home Page: www.communitybk.net Trust Department: Yes Bank Holding Company Community Financial Group, Cabot, AR Chm: Gerald H. Shock SVP/Cash: David Pickney CEO/Pres: Joseph W. Park TO: Debbie Kirby Cash and Due from:.................................... 12,622 Federal Funds and Repos: ........................... 2,000 Investments: ............................................... 47,565 Total Loans:.............................................. 205,725 Premises and Fixed Assets: ......................... 6,848 Other Real Estate: ........................................... 375 Other Assets:................................................ 4,829 Total Assets:............................................. 279,964 Total Trust Assets:...................................... 20,399 Deposits: .................................................. 226,585 Federal Funds and Borrowings: .................. 27,740 Other Liabilities:............................................ 2,304 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 256,629 Total Equity Capital and Reserves: ............. 23,335 Total Liabilities and Capital: ...................... 279,964 Number of Shares Outstanding:.................. 25,000 Directors: Dearl Dixon; Cathy Eoff-Tiratto; Jerry Jones; Jack M. Lowman; Mark L. Magie; 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 4 Bypass Charter Number: 660 P. O. Box 10 Date: August 28, 1933 71711 County: Ouachita Trust Department: 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:...................................... 3,553 Federal Funds and Repos: .................................. 0 Investments: ............................................... 10,224 Total Loans:................................................ 63,194 Premises and Fixed Assets: ......................... 2,865 Other Real Estate: ........................................... 189 Other Assets:................................................ 1,735 Total Assets:............................................... 81,760 Total Trust Assets:............................................... 0 Deposits: .................................................... 67,840 Federal Funds and Borrowings: .................... 5,615 Other Liabilities:............................................... 401 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 73,856 Total Equity Capital and Reserves: ............... 7,904 Total Liabilities and Capital: ........................ 81,760 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 Eighty-Sixth Report 43 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 Department: 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:...................................... 2,149 Federal Funds and Repos:............................ 1,265 Investments: ................................................. 8,701 Total Loans:................................................ 41,380 Premises and Fixed Assets:............................. 614 Other Real Estate: ........................................... 305 Other Assets:................................................ 2,694 Total Assets:............................................... 57,108 Total Trust Assets:........................................ 2,793 Deposits:..................................................... 46,302 Federal Funds and Borrowings: .................... 4,615 Other Liabilities: ............................................... 663 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 51,580 Total Equity Capital and Reserves: ............... 5,528 Total Liabilities and Capital: ........................ 57,108 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 Chm: James B. Sharp CEO/Pres: J. Perry Lee 297 Madison P. O. Box 280 72029-0280 Trust Department: No Bank Holding Company Clarendon Holding Co., Clarendon, AR Cash: Estelle Catlett Cash and Due from:......................................... 961 Federal Funds and Repos:............................ 1,320 Investments: ............................................... 16,429 Total Loans:.................................................. 7,627 Premises and Fixed Assets:............................. 429 Other Real Estate: ............................................... 0 Other Assets:................................................... 608 Total Assets:............................................... 27,374 Total Trust Assets:............................................... 0 Charter Number: 21 Date: July 23, 1890 County: Monroe Deposits:..................................................... 24,125 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 164 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 24,289 Total Equity Capital and Reserves: ............... 3,085 Total Liabilities and Capital: ........................ 27,374 Number of Shares Outstanding:.................... 5,660 Directors: Donald A. Davis; Rheta Griffith; B. J. Hopson; J. Perry Lee; J. Baxter Sharp, III; James B. Sharp Branches in Town: None Other Branches: None Arkansas State Bank Department 44 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 Department: Yes Bank Holding Company First Security Bancorp, Searcy, AR SVP: Rebecca Dougan SVP: Nina Mason Cash and Due from:...................................... 3,204 Federal Funds and Repos: ........................... 3,425 Investments: ............................................... 57,663 Total Loans:................................................ 51,313 Premises and Fixed Assets: ......................... 1,445 Other Real Estate: ........................................... 197 Other Assets:................................................ 4,060 Total Assets:............................................. 121,307 Total Trust Assets:............................................... 0 Deposits: .................................................. 108,814 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 428 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 109,242 Total Equity Capital and Reserves: ............. 12,065 Total Liabilities and Capital: ...................... 121,307 Number of Shares Outstanding:.................... 5,495 Directors: Herman Houston; Cole Martin; Steve Morgan; Dayne Phillips; Bill Porter; Reynie Rutledge; Tommy Sexton; Lee White Branches in Town: Three Other Branches: Coal Hill First Community Bank Conway, AR VOICE: (501) 450-9800 FAX: (501) 450-1899 Population: 26,481 1001 Front Street P. O. Box 938 72033 Trust Department: No Member of Federal Reserve System Bank Holding Company First Security Bancorp, Searcy, AR Chm: Joe M. White EVP: Johnny Adams CEO/Pres: J. Mark Ferguson EVP: Mike Baldwin Cash and Due from:...................................... 7,999 Federal Funds and Repos: ........................... 1,460 Investments: ............................................... 45,131 Total Loans:.............................................. 126,530 Premises and Fixed Assets: ......................... 4,386 Other Real Estate: ........................................... 295 Other Assets:................................................ 6,010 Total Assets:............................................. 191,811 Total Trust Assets:............................................... 0 Charter Number: 779 Date: April 15, 1999 County: Faulkner Deposits: .................................................. 164,810 Federal Funds and Borrowings: .................... 6,351 Other Liabilities:............................................ 1,681 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 172,842 Total Equity Capital and Reserves: ............. 18,969 Total Liabilities and Capital: ...................... 191,811 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 Eighty-Sixth Report 45 First State Bank Conway, AR VOICE: (501) 328-4663 FAX: (501) 329-4637 Population: 26,481 620 Chestnut Street Charter Number: 118 P. O. Box 966 Date: May 12, 1903 72033 County: Faulkner Home Page: www.fsbhome.com Trust Department: 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:...................................... 8,400 Federal Funds and Repos:................................... 0 Investments: ............................................... 24,814 Total Loans:.............................................. 159,642 Premises and Fixed Assets:.......................... 6,008 Other Real Estate: ............................................... 0 Other Assets:................................................ 2,085 Total Assets:............................................. 200,949 Total Trust Assets:............................................... 0 Deposits:................................................... 162,272 Federal Funds and Borrowings: .................. 13,202 Other Liabilities: ............................................... 936 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 176,410 Total Equity Capital and Reserves: ............. 24,539 Total Liabilities and Capital: ...................... 200,949 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; Robert Whitehouse Branches in Town: Three 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 Department: 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:...................................... 2,027 Federal Funds and Repos:................................... 0 Investments: ............................................... 21,231 Total Loans:................................................ 55,295 Premises and Fixed Assets:............................. 675 Other Real Estate: ............................................... 4 Other Assets:................................................ 1,660 Total Assets:............................................... 80,892 Total Trust Assets:............................................... 0 Deposits:..................................................... 66,590 Federal Funds and Borrowings: .................... 1,270 Other Liabilities: ............................................... 414 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 68,274 Total Equity Capital and Reserves: ............. 12,618 Total Liabilities and Capital: ........................ 80,892 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 46 Arkansas State Bank Department First State Bank Crossett, AR VOICE: (870) 364-5131 FAX: (870) 364-6329 Population: 6,282 123 Main P. O. Box 638 71635-0638 Trust Department: No Bank Holding Company Evergreen Bancshares, Inc., Crossett, AR Chm: Richard E. Griffin SVP: Jeanie Parker CEO/Pres: Kenneth Allbritton Cash and Due from:...................................... 1,942 Federal Funds and Repos: .................................. 0 Investments: ............................................... 10,441 Total Loans:................................................ 22,800 Premises and Fixed Assets: ............................ 520 Other Real Estate: ........................................... 476 Other Assets:................................................... 945 Total Assets:............................................... 37,124 Total Trust Assets:............................................... 0 Charter Number: 718 Date: May 13, 1963 County: Ashley Deposits: .................................................... 31,999 Federal Funds and Borrowings: .................... 1,130 Other Liabilities:............................................... 436 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 33,565 Total Equity Capital and Reserves: ............... 3,559 Total Liabilities and Capital: ........................ 37,124 Number of Shares Outstanding:................ 100,000 Directors: Bill G. Barnett; Richard E. Griffin; Larry W. Johnson; Marolyn Lloyd; H. D. Stephens, Sr.; Henry Thomas Branches in Town: Two 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 Department: Yes Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm: John Ed Chambers, III SVP: Zelta Bell Pres: Edward J. Taylor SVP: Vickie Rounsaville Cash and Due from:...................................... 2,863 Federal Funds and Repos: .................................. 0 Investments: ............................................... 37,261 Total Loans:.............................................. 136,558 Premises and Fixed Assets: ......................... 1,384 Other Real Estate: ............................................... 0 Other Assets:................................................ 3,626 Total Assets:............................................. 181,692 Total Trust Assets:............................................... 0 Deposits: .................................................. 151,550 Federal Funds and Borrowings: .................. 12,400 Other Liabilities:............................................... 994 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 164,944 Total Equity Capital and Reserves: ............. 16,748 Total Liabilities and Capital: ...................... 181,692 Number of Shares Outstanding:.................. 10,000 Directors: John Ed Chambers, III; Bill Donnell; Fay Mathis; James C. Pledger; Robert R. Redfern; Charles L. Sloan; Edward J. Taylor; Robert Y. Taylor Branches in Town: None Other Branches: Havana, Hot Springs, Hot Springs Village Eighty-Sixth Report 47 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 Department: Yes Bank Holding Company Bank of Dardanelle Bankshares, Inc., Dardanelle, AR Pres: Ronald L. Taylor Cash: Janelle Parker Cash and Due from:...................................... 7,828 Federal Funds and Repos:............................... 980 Investments: ............................................... 19,366 Total Loans:................................................ 79,021 Premises and Fixed Assets:.......................... 3,605 Other Real Estate: ........................................... 440 Other Assets:................................................ 2,441 Total Assets:............................................. 113,681 Total Trust Assets:............................................... 0 Deposits:................................................... 101,027 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 507 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 101,534 Total Equity Capital and Reserves: ............. 12,147 Total Liabilities and Capital: ...................... 113,681 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 Department: 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:...................................... 3,634 Federal Funds and Repos:................................... 0 Investments: ............................................... 20,020 Total Loans:................................................ 91,037 Premises and Fixed Assets:.......................... 2,540 Other Real Estate: ............................................. 11 Other Assets:................................................ 1,338 Total Assets:............................................. 118,580 Total Trust Assets:............................................... 0 Deposits:................................................... 101,040 Federal Funds and Borrowings: .................... 2,400 Other Liabilities: ............................................... 443 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 103,883 Total Equity Capital and Reserves: ............. 14,697 Total Liabilities and Capital: ...................... 118,580 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 Arkansas State Bank Department 48 Bank of Delight Delight, AR VOICE: (870) 379-2293 FAX: (870) 379-2575 Population: 311 Chm: Clarence Anthony CEO/Pres: Darwin Hendrix 2nd and Antioch P. O. Box 68 71940-0068 Trust Department: No Bank Holding Company None EVP: Kent Hendrix SVP: Larry May Cash and Due from:...................................... 4,733 Federal Funds and Repos: ........................... 6,650 Investments: ............................................... 18,993 Total Loans:................................................ 36,662 Premises and Fixed Assets: ............................ 311 Other Real Estate: ............................................. 14 Other Assets:................................................ 1,022 Total Assets:............................................... 68,385 Total Trust Assets:............................................... 0 Charter Number: 342 Date: June 16, 1911 County: Pike Deposits: .................................................... 57,233 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 639 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 57,872 Total Equity Capital and Reserves: ............. 10,513 Total Liabilities and Capital: ........................ 68,385 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 Department: No Member of Federal Reserve System Bank Holding Company First State Bancshares, Inc., DeQueen, AR Chm: Art Melson EVP: Noel Bard CEO/Pres: Keith Melson Cash and Due from:...................................... 2,055 Federal Funds and Repos: .................................. 0 Investments: ............................................... 10,078 Total Loans:................................................ 17,000 Premises and Fixed Assets: ......................... 2,478 Other Real Estate: ............................................. 52 Other Assets:................................................... 983 Total Assets:............................................... 32,646 Total Trust Assets:............................................... 0 Deposits: .................................................... 27,421 Federal Funds and Borrowings: .................... 1,632 Other Liabilities:............................................... 176 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 29,229 Total Equity Capital and Reserves: ............... 3,417 Total Liabilities and Capital: ........................ 32,646 Number of Shares Outstanding:.................. 76,000 Directors: Gary Bell; Lou Ellen Gray; R. S. Harris; Art Melson; Keith Melson; Ron Moore; Edward Revels; Dennis Smiley; Don Stemple; Doug Suttle Branches in Town: One Other Branches: None Eighty-Sixth Report 49 DeWitt Bank And Trust Company DeWitt, AR VOICE: (870) 946-3531 FAX: (870) 946-2815 Population: 3,553 Second and Jefferson Streets Charter Number: 605 P. O. Drawer 71 Date: March 1, 1929 72042-0071 County: Arkansas Trust Department: Yes Bank Holding Company DBT Financial Corporation, DeWitt, AR Chm: Elmer A. Ferguson VP/TO: Lloyd E. Wallace CEO/Pres: Gary Hudson Cash and Due from:...................................... 2,408 Federal Funds and Repos:................................... 0 Investments: ............................................... 31,158 Total Loans:................................................ 99,501 Premises and Fixed Assets:............................. 426 Other Real Estate: ............................................. 18 Other Assets:................................................ 3,653 Total Assets:............................................. 137,164 Total Trust Assets:...................................... 27,892 Deposits:..................................................... 99,000 Federal Funds and Borrowings: .................. 14,800 Other Liabilities: ............................................... 715 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 114,515 Total Equity Capital and Reserves: ............. 22,649 Total Liabilities and Capital: ...................... 137,164 Number of Shares Outstanding:.................. 54,000 Directors: E. E. Denman; Donald Ray Dickson; Rebecca Ehrlicher; Elmer A. Ferguson; 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 P. O. Box 187 71639-0187 Trust Department: Yes Bank Holding Company M & F Financial Corporation, Dumas, AR Chm: L. Ashton Adcock VP: David J. Garrett CEO/Pres: J. Michael Jones TO: Glenda B. Owen Cash and Due from:...................................... 2,485 Federal Funds and Repos:................................... 0 Investments: ............................................... 24,428 Total Loans:................................................ 39,011 Premises and Fixed Assets:............................. 997 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,692 Total Assets:............................................... 68,613 Total Trust Assets:...................................... 18,073 Charter Number: 278 Date: May 10, 1909 County: Desha Deposits:..................................................... 56,559 Federal Funds and Borrowings: .................... 1,575 Other Liabilities: ............................................... 307 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 58,441 Total Equity Capital and Reserves: ............. 10,172 Total Liabilities and Capital: ........................ 68,613 Number of Shares Outstanding:.................. 40,000 Directors: L. Ashton Adcock; Jimmie L. Appleberry; Claud T. Frank; Bruce Gasaway; Marion S. Gill; J. Michael Jones; Clifton L. Meador; William W. Shea; David Walt Branches in Town: One Other Branches: None 50 Arkansas State Bank Department 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 Department: 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:...................................... 1,581 Federal Funds and Repos: ........................... 1,185 Investments: ................................................. 8,671 Total Loans:................................................ 20,917 Premises and Fixed Assets: ............................ 496 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,198 Total Assets:............................................... 34,048 Total Trust Assets:............................................... 0 Deposits: .................................................... 29,564 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 416 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 29,980 Total Equity Capital and Reserves: ............... 4,068 Total Liabilities and Capital: ........................ 34,048 Number of Shares Outstanding:.................. 30,000 Directors: Freddie Black; Kelly Farmer; Dennis H. Ferguson; A. O. French; Dr. Howard R. Harris; John Rogers; 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 Home Page: www.firstfinancialbank.com Trust Department: No Member of Federal Reserve System Bank Holding Company First Financial Banc Corporation, El Dorado, AR Chm: Edwin B. Alderson, Jr. Pres: Rodney Landes CEO: J. Stephen Cameron EVP/COO: Jerry Bullard Cash and Due from:.................................... 17,547 Federal Funds and Repos: .................................. 0 Investments: ............................................... 33,076 Total Loans:.............................................. 210,749 Premises and Fixed Assets: ....................... 10,283 Other Real Estate: ........................................ 1,112 Other Assets:.............................................. 23,348 Total Assets:............................................. 296,115 Total Trust Assets:............................................... 0 Deposits: .................................................. 235,086 Federal Funds and Borrowings: .................. 38,708 Other Liabilities:............................................ 2,361 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 276,155 Total Equity Capital and Reserves: ............. 19,960 Total Liabilities and Capital: ...................... 296,115 Number of Shares Outstanding:................ 597,417 Directors: Edwin B. Alderson, Jr.; Robert R. Brown, Jr.; Jerry Bullard; J. Stephen Cameron; Robert Merkle; John Milam; James M. Moore, Jr.; Dr. Robert M. Murfee; William C. Nolan, Jr.; Gary Sewell; L. Knox White Branches in Town: Four Other Branches: Smackover Eighty-Sixth Report 51 The Delta State Bank Elaine, AR VOICE: (870) 827-3397 FAX: (870) 827-3377 Population: 846 128 Main Street Charter Number: 697 P. O. Box 359 Date: December 30, 1947 72333-0359 County: Phillips Trust Department: No Bank Holding Company Southern Development Bancorporation, Inc., Arkadelphia, AR CEO/Pres/Cash: Mary Louise Demoret Fiser Cash and Due from:......................................... 690 Federal Funds and Repos:............................ 1,560 Investments: ................................................. 3,329 Total Loans:.................................................. 1,401 Premises and Fixed Assets:................................. 8 Other Real Estate: ............................................... 0 Other Assets:................................................... 352 Total Assets:................................................. 7,340 Total Trust Assets:............................................... 0 Deposits:....................................................... 6,632 Federal Funds and Borrowings: ...........................0 Other Liabilities: .................................................46 Subordinated Debt: ..............................................0 Total Liabilities: ............................................. 6,678 Total Equity Capital and Reserves: .................. 662 Total Liabilities and Capital: .......................... 7,340 Number of Shares Outstanding:.................... 1,600 Directors: W. H. Brandon, Jr.; Mary Louise Demoret Fiser; Bart R. Lindsey; David Solomon Branches in Town: None Other Branches: None Community Bank of North Arkansas Elkins, AR VOICE: (501) 643-2131 FAX: (501) 643-2651 Population: 692 348 North Center Charter Number: 377 P. O. Box 333 Date: June 1, 1912 72727-0333 County: Washington Home Page: www.communitybnk.com Trust Department: No Bank Holding Company Community Investment, Inc., Fayetteville, AR CEO: Robert Y. Taylor EVP: Perry Douglas Lynch Pres: Chris M. Wewers SVP: Bob Harrison Cash and Due from:...................................... 3,784 Federal Funds and Repos:............................ 2,515 Investments: ............................................... 37,041 Total Loans:.............................................. 130,178 Premises and Fixed Assets:.......................... 4,382 Other Real Estate: ........................................... 205 Other Assets:................................................ 8,192 Total Assets:............................................. 186,297 Total Trust Assets:............................................... 0 Deposits:................................................... 141,708 Federal Funds and Borrowings: .................. 25,500 Other Liabilities: ............................................... 731 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 167,939 Total Equity Capital and Reserves: ............. 18,358 Total Liabilities and Capital: ...................... 186,297 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; Mike Lax; H. Phil Phillips, Jr.; Neil Schmitt; Robert Y. Taylor; Chris M. Wewers, Nolan Williams Branches in Town: One Other Branches: Fayetteville (3), Goshen, Rogers, Springdale (2) 52 Arkansas State Bank Department 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 Department: 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:...................................... 2,613 Federal Funds and Repos: .............................. 165 Investments: ............................................... 11,619 Total Loans:................................................ 50,293 Premises and Fixed Assets: ......................... 1,541 Other Real Estate: ............................................... 5 Other Assets:................................................ 2,438 Total Assets:............................................... 68,674 Total Trust Assets:............................................... 0 Deposits: .................................................... 52,765 Federal Funds and Borrowings: .................. 10,329 Other Liabilities:............................................... 212 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 63,306 Total Equity Capital and Reserves: ............... 5,368 Total Liabilities and Capital: ........................ 68,674 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 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 Department: No Bank Holding Company Delta Bancshares of Louisiana, Inc., Oak Grove, LA Chm: Charles F. Poole EVP: Julie Petty CEO/Pres: Gene Keith AVP: Tammie L. Benoit Cash and Due from:......................................... 929 Federal Funds and Repos: .................................. 0 Investments: ............................................... 14,120 Total Loans:................................................ 14,848 Premises and Fixed Assets: ............................ 325 Other Real Estate: ........................................... 131 Other Assets:................................................... 828 Total Assets:............................................... 31,181 Total Trust Assets:............................................... 0 Deposits: .................................................... 26,597 Federal Funds and Borrowings: .................... 2,200 Other Liabilities:............................................... 113 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 28,910 Total Equity Capital and Reserves: ............... 2,271 Total Liabilities and Capital: ........................ 31,181 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 Eighty-Sixth Report 53 Bank of Eureka Springs Eureka Springs, AR VOICE: (501) 253-8241 FAX: (501) 253-6947 Population: 1,900 70 South Main P. O. Box 309 72632-0309 Trust Department: No Bank Holding Company None Chm/CEO/Pres: John F. Cross Cash: Reba Pyatt EVP: Charles T. Cross Cash and Due from:...................................... 3,453 Federal Funds and Repos:............................... 500 Investments: ............................................... 22,976 Total Loans:................................................ 44,671 Premises and Fixed Assets:.......................... 2,104 Other Real Estate: ........................................... 961 Other Assets:................................................... 923 Total Assets:............................................... 75,588 Total Trust Assets:............................................... 0 Charter Number: 374 Date: May 4, 1912 County: Carroll Deposits:..................................................... 60,515 Federal Funds and Borrowings: .................... 5,328 Other Liabilities: ............................................... 392 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 66,235 Total Equity Capital and Reserves: ............... 9,353 Total Liabilities and Capital: ........................ 75,588 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 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 Department: 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 Cash and Due from:......................................... 906 Federal Funds and Repos:............................... 635 Investments: ................................................. 3,464 Total Loans:.................................................. 8,598 Premises and Fixed Assets:............................... 60 Other Real Estate: ........................................... 108 Other Assets:................................................... 496 Total Assets:............................................... 14,267 Total Trust Assets:............................................... 0 Deposits:..................................................... 12,918 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 104 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 13,022 Total Equity Capital and Reserves: ............... 1,245 Total Liabilities and Capital: ........................ 14,267 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 54 Arkansas State Bank Department 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 Department: 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:.................................... 14,467 Federal Funds and Repos: .................................. 0 Investments: ............................................... 54,169 Total Loans:.............................................. 377,262 Premises and Fixed Assets: ......................... 9,376 Other Real Estate: ........................................... 559 Other Assets:................................................ 8,179 Total Assets:............................................. 464,012 Total Trust Assets:............................................... 0 Deposits: .................................................. 339,739 Federal Funds and Borrowings: .................. 83,438 Other Liabilities:............................................ 3,098 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 426,275 Total Equity Capital and Reserves: ............. 37,737 Total Liabilities and Capital: ...................... 464,012 Number of Shares Outstanding:................ 350,692 Directors: Larry Bittle; Oma Blackwell; Carl Collier; Bob Gaddy; James C. Glenn; Millard Goff; Fred Hanna; 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 Department: Yes Bank Holding Company FBT Bancshares, Inc., Fordyce, AR Chm/CEO/Pres/TO: James V. Hulse, Jr. SVP/Cash: Wanda Smurl EVP: Suzette Crutchfield VP: David Sisson Cash and Due from:...................................... 2,569 Federal Funds and Repos: ........................... 1,195 Investments: ............................................... 15,297 Total Loans:................................................ 35,447 Premises and Fixed Assets: ......................... 1,502 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,543 Total Assets:............................................... 57,553 Total Trust Assets:........................................ 1,068 Deposits: .................................................... 51,976 Federal Funds and Borrowings: ....................... 236 Other Liabilities:............................................... 349 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 52,561 Total Equity Capital and Reserves: ............... 4,992 Total Liabilities and Capital: ........................ 57,553 Number of Shares Outstanding:.................... 8,000 Directors: D. J. Barnes; Joe D. Barnes; Suzette Crutchfield; J. W. Hearnsberger; James V. Hulse, Jr.; Melvin Jackson; Roy McClain; Thomas E. Sparks; Charles B. Trussell Branches in Town: Two Other Branches: Rison Eighty-Sixth Report 55 Arvest Bank Fort Smith, AR VOICE: (501) 709-8800 FAX: (501) 709-8850 Population: 72,798 Chm: Jim C. Walton Pres: John Womack 3200 Rogers Avenue Charter Number: 782 P.O. Box 11110 Date: February 17, 2000 72917 County: Sebastian Trust Department: Yes Member of Federal Reserve System Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR EVP: Craig Rivaldo SVP: Chad Evans Cash and Due from:......................................... 913 Federal Funds and Repos:............................... 550 Investments: ................................................. 2,037 Total Loans:................................................ 17,127 Premises and Fixed Assets:.......................... 3,572 Other Real Estate: ............................................... 0 Other Assets:................................................... 215 Total Assets:............................................... 24,414 Total Trust Assets:............................................... 0 Deposits:..................................................... 11,735 Federal Funds and Borrowings: .................... 2,717 Other Liabilities: ............................................... 106 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 14,558 Total Equity Capital and Reserves: ............... 9,856 Total Liabilities and Capital: ........................ 24,414 Number of Shares Outstanding:.................. 12,000 Directors: Rick Chapman; Bob Cooper; Bob Kelly; Burt Stacy; Jim C. Walton; John Womack Branches in Town: Two Other Branches: Van Buren Planters & Merchants Bank Gillett, AR VOICE: (870) 548-2211 FAX: (870) 548-2213 Population: 883 210 West Main Charter Number: 721 P. O. Box 357 Date: January 13, 1967 72055-0357 County: Arkansas Trust Department: Yes Bank Holding Company Planters & Merchants Bancshares, Inc., Gillett, AR Chm: Frank C. Wolfe VP: Tom Deckelman CEO/Pres/TO: Larry E. Bauer Cash: Alice Perritt Cash and Due from:......................................... 731 Federal Funds and Repos:................................... 0 Investments: ................................................. 6,864 Total Loans:................................................ 16,138 Premises and Fixed Assets:............................... 91 Other Real Estate: ............................................. 73 Other Assets:................................................ 1,375 Total Assets:............................................... 25,272 Total Trust Assets:............................................... 0 Deposits:..................................................... 21,699 Federal Funds and Borrowings: .........................30 Other Liabilities: ............................................... 172 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 21,901 Total Equity Capital and Reserves: ............... 3,371 Total Liabilities and Capital: ........................ 25,272 Number of Shares Outstanding:.................. 12,000 Directors: Larry E. Bauer; Johnny Holzhauer; Darrel Nichols; Scott Place; Darrall Richter; Keneth Smith; Bobby Turner; Frank C. Wolfe Branches in Town: None Other Branches: None 56 Arkansas State Bank Department 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 Department: No Bank Holding Company Bainum Bancorp, Glenwood, AR Chm: Tim Bainum SVP: Lynda Robbins CEO/Pres: Harold A. Smith VP/Cash: Patricia Owens Cash and Due from:...................................... 4,253 Federal Funds and Repos: ........................... 2,600 Investments: ............................................... 16,441 Total Loans:................................................ 61,486 Premises and Fixed Assets: ......................... 3,025 Other Real Estate: ............................................... 0 Other Assets:................................................... 809 Total Assets:............................................... 88,614 Total Trust Assets:............................................... 0 Deposits: .................................................... 78,893 Federal Funds and Borrowings: .................... 1,254 Other Liabilities:............................................... 238 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 80,385 Total Equity Capital and Reserves: ............... 8,229 Total Liabilities and Capital: ........................ 88,614 Number of Shares Outstanding:.................. 44,000 Directors: Mark Bainum; Tim Bainum; Richard Cox; Larry Mitchell; Harold A. 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 Department: No Bank Holding Company None VP: Jim Allen Edmonson VP: William R. Meade Cash and Due from:...................................... 3,080 Federal Funds and Repos: ........................... 2,110 Investments: ............................................... 60,458 Total Loans:................................................ 83,241 Premises and Fixed Assets: ......................... 1,476 Other Real Estate: ............................................... 6 Other Assets:................................................ 1,926 Total Assets:............................................. 152,297 Total Trust Assets:............................................... 0 Deposits: .................................................. 133,433 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 411 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 133,844 Total Equity Capital and Reserves: ............. 18,453 Total Liabilities and Capital: ...................... 152,297 Number of Shares Outstanding:.................... 4,000 Directors: George Cowgur; Albert Dunagin; Jim Allen Edmonson; George Haley; John R. Meade; William R. Meade; David N. Wills Branches in Town: One Other Branches: Hiwasse Eighty-Sixth Report 57 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 Department: No Bank Holding Company First Service Bancshares, Inc., Dermott, AR Chm: Daniel C. Horton CEO/Pres: Tom H. Grumbles Cash and Due from:...................................... 3,367 Federal Funds and Repos:................................... 0 Investments: ............................................... 20,845 Total Loans:................................................ 45,809 Premises and Fixed Assets:.......................... 3,153 Other Real Estate: ........................................... 159 Other Assets:................................................ 1,440 Total Assets:............................................... 74,773 Total Trust Assets:............................................... 0 Deposits:..................................................... 61,188 Federal Funds and Borrowings: .................... 6,297 Other Liabilities: ............................................... 458 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 67,943 Total Equity Capital and Reserves: ............... 6,830 Total Liabilities and Capital: ........................ 74,773 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 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 Department: Yes Bank Holding Company Wilkinson Banking Corporation, Greenwood, AR Chm: Elizabeth Wilkinson Pres/Cash/TO: Edward Wilkinson CEO: Stanhope Wilkinson VP: Tresa Lowe Cash and Due from:...................................... 3,495 Federal Funds and Repos:............................ 3,295 Investments: ............................................... 54,994 Total Loans:................................................ 67,669 Premises and Fixed Assets:.......................... 4,128 Other Real Estate: ........................................ 3,955 Other Assets:................................................ 1,895 Total Assets:............................................. 139,431 Total Trust Assets:........................................ 1,173 Deposits:................................................... 109,632 Federal Funds and Borrowings: ....................... 465 Other Liabilities: ............................................... 736 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 110,833 Total Equity Capital and Reserves: ............. 28,598 Total Liabilities and Capital: ...................... 139,431 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 Arkansas State Bank Department 58 First State Bank of Gurdon Gurdon, AR VOICE: (870) 353-2521 FAX: (870) 353-2314 Population: 2,199 Chm: Neil Bennett, Jr. CEO: David R. Estes 100 East Main Charter Number: 61 P. O. Box 446 Date: August 4, 1900 71743-0446 County: Clark Trust Department: No Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Pres: John R. French Cash and Due from:......................................... 450 Federal Funds and Repos: .................................. 0 Investments: ............................................... 18,341 Total Loans:................................................ 17,811 Premises and Fixed Assets: ............................ 781 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,356 Total Assets:............................................... 38,739 Total Trust Assets:............................................... 0 Deposits: .................................................... 33,385 Federal Funds and Borrowings: .................... 1,170 Other Liabilities:............................................... 106 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 34,661 Total Equity Capital and Reserves: ............... 4,078 Total Liabilities and Capital: ........................ 38,739 Number of Shares Outstanding:.................. 38,389 Directors: Neil Bennett, Jr.; Charles L. Cabe, Jr.; David R. Estes; John R. French; Tracy M. French; J. L. Griffin Branches in Town: None Other Branches: None Farmers Bank Hamburg, AR VOICE: (870) 853-5222 FAX: (870) 853-2333 Population: 3,098 Chm: John William Spivey CEO/Pres: Dan Wingard 210 North Main Charter Number: 680 P. O. Box 350 Date: March 10, 1941 71646-0350 County: Ashley Trust Department: No Bank Holding Company None EVP: Gene Crawford VP: Virginia Bowman Cash and Due from:...................................... 3,796 Federal Funds and Repos: .............................. 270 Investments: ................................................. 6,383 Total Loans:................................................ 30,218 Premises and Fixed Assets: ............................ 978 Other Real Estate: ............................................... 0 Other Assets:................................................... 758 Total Assets:............................................... 42,403 Total Trust Assets:............................................... 0 Deposits: .................................................... 37,548 Federal Funds and Borrowings: ....................... 103 Other Liabilities:............................................... 261 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 37,912 Total Equity Capital and Reserves: ............... 4,491 Total Liabilities and Capital: ........................ 42,403 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 Eighty-Sixth Report 59 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 Department: 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:...................................... 1,514 Federal Funds and Repos:................................... 0 Investments: ............................................... 14,203 Total Loans:................................................ 26,892 Premises and Fixed Assets:............................. 214 Other Real Estate: ............................................... 4 Other Assets:................................................... 499 Total Assets:............................................... 43,326 Total Trust Assets:............................................... 0 Deposits:..................................................... 33,519 Federal Funds and Borrowings: .................... 4,559 Other Liabilities: ............................................... 187 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 38,265 Total Equity Capital and Reserves: ............... 5,061 Total Liabilities and Capital: ........................ 43,326 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 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 Department: 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:...................................... 1,160 Federal Funds and Repos:............................ 2,110 Investments: ............................................... 22,446 Total Loans:................................................ 36,919 Premises and Fixed Assets:............................. 191 Other Real Estate: ............................................. 35 Other Assets:................................................ 1,576 Total Assets:............................................... 64,437 Total Trust Assets:............................................... 0 Deposits:..................................................... 57,237 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 450 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 57,687 Total Equity Capital and Reserves: ............... 6,750 Total Liabilities and Capital: ........................ 64,437 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 60 Arkansas State Bank Department Community First Bank Harrison, AR VOICE: (870) 391-8000 FAX: (870) 391-8025 Population: 9,922 200 East Ridge Charter Number: 772 P. O. Box 913 Date: October 14, 1997 72602-0913 County: Boone Trust Department: Yes Bank Holding Company Community First Bancshares, Inc., Harrison, AR Chm/CEO: William King Gladden Pres: David Morton Cash and Due from:...................................... 3,459 Federal Funds and Repos: .................................. 0 Investments: ................................................. 9,133 Total Loans:.............................................. 111,551 Premises and Fixed Assets: ......................... 3,303 Other Real Estate: ............................................. 10 Other Assets:................................................ 1,601 Total Assets:............................................. 129,057 Total Trust Assets:............................................... 0 Deposits: .................................................. 113,267 Federal Funds and Borrowings: .................... 4,560 Other Liabilities:............................................... 859 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 118,686 Total Equity Capital and Reserves: ............. 10,371 Total Liabilities and Capital: ...................... 129,057 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: Eureka Springs The Cleburne County Bank Heber Springs, AR VOICE: (501) 362-2456 FAX: (501) 362-4554 Population: 5,628 806 West Main Charter Number: 626 P. O. Box 1560 Date: December 16, 1930 72543-1560 County: Cleburne Trust Department: 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:...................................... 3,265 Federal Funds and Repos: ........................... 2,625 Investments: ............................................... 83,825 Total Loans:................................................ 83,785 Premises and Fixed Assets: ......................... 1,713 Other Real Estate: ........................................... 174 Other Assets:................................................ 3,428 Total Assets:............................................. 178,815 Total Trust Assets:............................................... 0 Deposits: .................................................. 152,439 Federal Funds and Borrowings: .................... 9,786 Other Liabilities:............................................ 1,115 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 163,340 Total Equity Capital and Reserves: ............. 15,475 Total Liabilities and Capital: ...................... 178,815 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; L. E. Roberts, Jr.; Wetzel Stark Branches in Town: Two Other Branches: Concord, Greers Ferry, Guy, Quitman Eighty-Sixth Report 61 Greers Ferry Lake State Bank Heber Springs, AR VOICE: (501) 362-5883 FAX: (501) 362-0820 Population: 5,628 1230 Highway 25B No. Charter Number: 755 P. O. Box 970 Date: July 26, 1991 72543-0970 County: Cleburne Home Page: www.gflsb.com Trust Department: No Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/CEO/Pres: Jim S. Gowen, Sr. VP: Wendell Cassell EVP: Gary Yow VP: Carla Stiger Cash and Due from:...................................... 2,016 Federal Funds and Repos:............................ 1,215 Investments: ............................................... 14,709 Total Loans:................................................ 29,981 Premises and Fixed Assets:.......................... 1,153 Other Real Estate: ........................................... 197 Other Assets:................................................ 1,077 Total Assets:............................................... 50,348 Total Trust Assets:............................................... 0 Deposits:..................................................... 37,172 Federal Funds and Borrowings: .................... 8,419 Other Liabilities: ............................................... 282 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 45,873 Total Equity Capital and Reserves: ............... 4,475 Total Liabilities and Capital: ........................ 50,348 Number of Shares Outstanding:.................. 60,000 Directors: Morris Bowman; Jim S. Gowen, Sr.; Dr. Troy A. Gray; Robert Harvey; Gerald A. Saracini Branches in Town: None Other Branches: Clinton, Greers Ferry Heber Springs State Bank Heber Springs, AR VOICE: (501) 362-5821 FAX: (501) 362-7491 Population: 5,628 Second and Main Streets Charter Number: 735 P. O. Box 1030 Date: May 7, 1977 72543-0030 County: Cleburne Trust Department: 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 COO/Cash: Janice Parrott Cash and Due from:...................................... 3,402 Federal Funds and Repos:................................... 0 Investments: ............................................... 32,283 Total Loans:................................................ 53,203 Premises and Fixed Assets:.......................... 3,973 Other Real Estate: ............................................... 8 Other Assets:................................................ 1,468 Total Assets:............................................... 94,337 Total Trust Assets:............................................... 0 Deposits:..................................................... 79,453 Federal Funds and Borrowings: .................... 6,695 Other Liabilities: ............................................... 451 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 86,599 Total Equity Capital and Reserves: ............... 7,738 Total Liabilities and Capital: ........................ 94,337 Number of Shares Outstanding:.................. 17,656 Directors: Harry L. Hastings, Jr.; Stanley Hastings; Bill G. Lynch; Catherine H. Owen Branches in Town: One Other Branches: Drasco, Fairfield Bay, Greers Ferry, Quitman, Vilonia 62 Arkansas State Bank Department 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 Department: 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:...................................... 8,534 Federal Funds and Repos: ........................... 2,489 Investments: ............................................... 10,113 Total Loans:................................................ 34,790 Premises and Fixed Assets: ............................ 557 Other Real Estate: ............................................... 0 Other Assets:................................................... 687 Total Assets:............................................... 57,170 Total Trust Assets:............................................... 0 Deposits: .................................................... 50,702 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 223 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 50,925 Total Equity Capital and Reserves: ............... 6,245 Total Liabilities and Capital: ........................ 57,170 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 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 71913 County: Garland Home Page: www.alliancebank.net Trust Department: Yes Bank Holding Company Alliance Bancorporation, Inc., Hot Springs, AR CEO: David L. Bartlett SVP: Ronnie Twyford SVP: Steven Trusty Cash and Due from:...................................... 4,102 Federal Funds and Repos: .............................. 290 Investments: ............................................... 30,195 Total Loans:................................................ 47,702 Premises and Fixed Assets: ......................... 1,138 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,020 Total Assets:............................................... 84,447 Total Trust Assets:............................................... 0 Deposits: .................................................... 63,218 Federal Funds and Borrowings: .................. 13,109 Other Liabilities:............................................... 292 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 76,619 Total Equity Capital and Reserves: ............... 7,828 Total Liabilities and Capital: ........................ 84,447 Number of Shares Outstanding:.................. 29,264 Directors: David L. Bartlett; Stuart A. Fleischner; Louis Kleinman; James Newman; John Selig; Sam A. Stathkis, Jr.; Sara Stough Branches in Town: Three Other Branches: None Eighty-Sixth Report 63 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 Department: 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:......................................... 990 Federal Funds and Repos:............................... 170 Investments: ............................................... 15,536 Total Loans:................................................ 31,741 Premises and Fixed Assets:............................. 683 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,294 Total Assets:............................................... 50,414 Total Trust Assets:............................................... 0 Deposits:..................................................... 45,414 Federal Funds and Borrowings: .................... 1,000 Other Liabilities: ............................................... 187 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 46,601 Total Equity Capital and Reserves: ............... 3,813 Total Liabilities and Capital: ........................ 50,414 Number of Shares Outstanding:.................. 22,000 Directors: Bessie Mathias; Sam Mathias; Tom Mathias; Phil Thompson Branches in Town: None Other Branches: Fayetteville 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 Department: No Bank Holding Company Spring Rivers Bancshares, Inc., Imboden, AR Chm: Charles F. Luter Cash: Sandra McCormic CEO/Pres: Preston L. Clark Cash and Due from:...................................... 2,473 Federal Funds and Repos:................................... 0 Investments: ............................................... 13,446 Total Loans:................................................ 41,371 Premises and Fixed Assets:............................. 706 Other Real Estate: ........................................... 358 Other Assets:................................................ 1,032 Total Assets:............................................... 59,386 Total Trust Assets:............................................... 0 Deposits:..................................................... 54,232 Federal Funds and Borrowings: .........................65 Other Liabilities: ............................................... 229 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 54,526 Total Equity Capital and Reserves: ............... 4,860 Total Liabilities and Capital: ........................ 59,386 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, Strawberry 64 Arkansas State Bank Department 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 Trust Department: 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:.................................... 10,985 Federal Funds and Repos: .................................. 0 Investments: ............................................... 60,597 Total Loans:.............................................. 124,423 Premises and Fixed Assets: ......................... 7,186 Other Real Estate: ............................................. 29 Other Assets:................................................ 4,040 Total Assets:............................................. 207,260 Total Trust Assets:...................................... 77,068 Deposits: .................................................. 167,035 Federal Funds and Borrowings: .................. 11,820 Other Liabilities:............................................ 1,809 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 180,664 Total Equity Capital and Reserves: ............. 26,596 Total Liabilities and Capital: ...................... 207,260 Number of Shares Outstanding:................ 200,000 Directors: Tom Cory; 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 American State Bank Jonesboro, AR VOICE: (870) 972-9800 700 South Main Charter Number: 262 FAX: (870) 972-6387 P. O. Box 3080 Date: October 3, 1908 Population: 46,535 72370-3505 County: Craighead Home Page: http://www.american-state-bank.com Trust Department: 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:...................................... 5,049 Federal Funds and Repos: .................................. 0 Investments: ............................................... 29,993 Total Loans:.............................................. 129,861 Premises and Fixed Assets: ......................... 7,335 Other Real Estate: ............................................. 31 Other Assets:................................................ 1,796 Total Assets:............................................. 174,065 Total Trust Assets:............................................... 0 Deposits: .................................................. 142,326 Federal Funds and Borrowings: .................. 17,856 Other Liabilities:............................................ 1,237 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 161,419 Total Equity Capital and Reserves: ............. 12,646 Total Liabilities and Capital: ...................... 174,065 Number of Shares Outstanding:.................... 4,000 Directors: Jill Brigance; Harold Clemons; David Dudley; Rogers Ford; Phillip Forrester; Steve Gramling; Joe B. Hilliard; Sue McGowan; 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, Wilson Eighty-Sixth Report 65 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 Department: 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:...................................... 4,564 Federal Funds and Repos:................................... 0 Investments: ............................................... 21,494 Total Loans:.............................................. 149,564 Premises and Fixed Assets:.......................... 5,613 Other Real Estate: ............................................. 95 Other Assets:................................................ 2,262 Total Assets:............................................. 183,592 Total Trust Assets:............................................... 0 Deposits:................................................... 158,745 Federal Funds and Borrowings: .................... 9,513 Other Liabilities: ............................................ 1,131 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 169,389 Total Equity Capital and Reserves: ............. 14,203 Total Liabilities and Capital: ...................... 183,592 Number of Shares Outstanding:.................. 10,000 Directors: Dr. Ron Burnett; Jim Fulkerson; Dick Gray; Larry Grisham; Mark Haggenmacher; Louis Intres; Steve May; 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 Department: Yes Member of Federal Reserve System Bank Holding Company MSB Shares, Inc., Jonesboro, AR Chm: Carolyn Frierson VP/TO: Steve Baker CEO/Pres: Terry Frierson Treas: Chris Puryear Cash and Due from:.................................... 12,965 Federal Funds and Repos:............................ 6,500 Investments: ............................................... 95,871 Total Loans:.............................................. 271,973 Premises and Fixed Assets:.......................... 9,863 Other Real Estate: ........................................... 435 Other Assets:................................................ 7,239 Total Assets:............................................. 404,846 Total Trust Assets:...................................... 29,208 Deposits:................................................... 341,968 Federal Funds and Borrowings: .................. 30,753 Other Liabilities: ............................................ 5,937 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 378,658 Total Equity Capital and Reserves: ............. 26,188 Total Liabilities and Capital: ...................... 404,846 Number of Shares Outstanding:.................... 4,000 Directors: Hugh Atwood; Shirley Bronaugh; Nancy Chrisman; Warren Dupwe; Carolyn Frierson; Terry Frierson; Beverly McCollum; Robert Schuchardt; Revis G. Stewart; J. E. Story; Ed Way; Bobby G. Wood Branches in Town: Five Other Branches: Bay, Monette (2) Arkansas State Bank Department 66 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 Department: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Barry K. Ledbetter VP/Sec: Wayne Bond Cash and Due from:...................................... 5,862 Federal Funds and Repos: .................................. 0 Investments: ............................................... 20,708 Total Loans:.............................................. 133,096 Premises and Fixed Assets: ......................... 1,682 Other Real Estate: ............................................... 0 Other Assets:................................................ 2,511 Total Assets:............................................. 163,859 Total Trust Assets:............................................... 0 Deposits: .................................................. 138,519 Federal Funds and Borrowings: .................. 10,340 Other Liabilities:............................................ 1,541 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 150,400 Total Equity Capital and Reserves: ............. 13,459 Total Liabilities and Capital: ...................... 163,859 Number of Shares Outstanding:................ 175,000 Directors: Dennis Abell; Larry Bates; Barry K. Ledbetter; Scott Mixon; Ben Owens, Jr.; David Pyle; Jim Scurlock; Berl A. Smith; Don Stone; 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 Department: No Bank Holding Company Pine State Bancshares, Inc., Kingsland, AR Chm/CEO/Pres: M. Don Smith EVP: Sheila Harrison Smith Cash and Due from:......................................... 597 Federal Funds and Repos: .............................. 760 Investments: ................................................. 4,171 Total Loans:................................................ 13,403 Premises and Fixed Assets: ............................ 443 Other Real Estate: ............................................. 29 Other Assets:................................................... 327 Total Assets:............................................... 19,730 Total Trust Assets:............................................... 0 Deposits: .................................................... 18,072 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 217 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 18,289 Total Equity Capital and Reserves: ............... 1,441 Total Liabilities and Capital: ........................ 19,730 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 Eighty-Sixth Report 67 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 Department: 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:...................................... 1,429 Federal Funds and Repos:............................... 380 Investments: ................................................. 7,942 Total Loans:................................................ 29,833 Premises and Fixed Assets:............................. 925 Other Real Estate: ............................................... 2 Other Assets:................................................... 771 Total Assets:............................................... 41,282 Total Trust Assets:........................................ 3,176 Deposits:..................................................... 37,337 Federal Funds and Borrowings: .................... 1,244 Other Liabilities: ............................................... 308 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 38,889 Total Equity Capital and Reserves: ............... 2,393 Total Liabilities and Capital: ........................ 41,282 Number of Shares Outstanding:.................... 1,000 Directors: Gary Bunch; Howard Cain, Jr.; Gary Easterling; David Hubener; 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 Department: 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:...................................... 1,783 Federal Funds and Repos:................................... 0 Investments: ............................................... 16,872 Total Loans:................................................ 41,015 Premises and Fixed Assets:.......................... 2,055 Other Real Estate: ........................................... 125 Other Assets:................................................ 1,322 Total Assets:............................................... 63,172 Total Trust Assets:............................................... 0 Deposits:..................................................... 47,200 Federal Funds and Borrowings: .................... 7,891 Other Liabilities: ............................................... 319 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 55,410 Total Equity Capital and Reserves: ............... 7,762 Total Liabilities and Capital: ........................ 63,172 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 Arkansas State Bank Department 68 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 Department: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO: Ben V. Floriani VP: Linda S. Moreland Pres: Freddie G. Black VP/Cash: Mike S. Cashion Cash and Due from:...................................... 1,916 Federal Funds and Repos: .................................. 0 Investments: ............................................... 24,176 Total Loans:................................................ 37,001 Premises and Fixed Assets: ......................... 1,488 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,274 Total Assets:............................................... 65,855 Total Trust Assets:............................................... 0 Deposits: .................................................... 57,672 Federal Funds and Borrowings: .................... 2,000 Other Liabilities:............................................... 443 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 60,115 Total Equity Capital and Reserves: ............... 5,740 Total Liabilities and Capital: ........................ 65,855 Number of Shares Outstanding:.................. 12,500 Directors: W. E. Ayres; Freddie G. Black; Robert G. Bridewell; Mike S. Cashion; Thomas Deen; Ben V. Floriani; 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 Trust Department: Yes Bank Holding Company Little River Bancshares, Inc., Lepanto, AR CEO/Pres: Grady Watkins, Jr. VP: Lois Criddle SVP/Cash: Blanche Nash TO: Henry Watkins Cash and Due from:...................................... 1,038 Federal Funds and Repos: ........................... 1,200 Investments: ............................................... 25,286 Total Loans:................................................ 16,091 Premises and Fixed Assets: ............................ 339 Other Real Estate: ............................................... 0 Other Assets:................................................... 509 Total Assets:............................................... 44,463 Total Trust Assets:............................................... 0 Deposits: .................................................... 29,326 Federal Funds and Borrowings: .................... 9,218 Other Liabilities:............................................... 213 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 38,757 Total Equity Capital and Reserves: ............... 5,706 Total Liabilities and Capital: ........................ 44,463 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 Eighty-Sixth Report 69 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 Department: No Member of Federal Reserve System Bank Holding Company Arkansas Bankers' Bancorporation, Inc., Little Rock, AR Chm: Lindley V. Smith, Jr. SVP: John E. Lock, Sr. CEO/Pres: Bill B. May SVP: Boyd Rothwell Cash and Due from:......................................... 592 Federal Funds and Repos:............................ 8,390 Investments: ............................................... 42,764 Total Loans:................................................ 18,422 Premises and Fixed Assets:............................. 500 Other Real Estate: ............................................... 0 Other Assets:................................................ 2,421 Total Assets:............................................... 73,089 Total Trust Assets:............................................... 0 Deposits:..................................................... 52,676 Federal Funds and Borrowings: .................. 14,242 Other Liabilities: ............................................... 355 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 67,273 Total Equity Capital and Reserves: ............... 5,816 Total Liabilities and Capital: ........................ 73,089 Number of Shares Outstanding:.................. 50,000 Directors: Lunsford W. Bridges; Martin Carpenter; John Clement; Tom H. Grumbles; Bill B. May; Lindley V. Smith, Jr.; S. Denny Smith 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 Department: 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:...................................... 3,497 Federal Funds and Repos:................................... 0 Investments: ............................................... 19,139 Total Loans:................................................ 58,674 Premises and Fixed Assets:.......................... 3,776 Other Real Estate: ............................................. 50 Other Assets:................................................ 1,520 Total Assets:............................................... 86,656 Total Trust Assets:............................................... 0 Deposits:..................................................... 73,382 Federal Funds and Borrowings: .................... 4,275 Other Liabilities: ............................................... 354 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 78,011 Total Equity Capital and Reserves: ............... 8,645 Total Liabilities and Capital: ........................ 86,656 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 70 Arkansas State Bank Department 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 Department: Yes Bank Holding Company Bank of the Ozarks, Inc., Little Rock, AR Chm/CEO: George G. Gleason, II Pres: Mark D. Ross VChm: James Patridge EVP/TO: Aubrey Avants Cash and Due from:.................................... 22,929 Federal Funds and Repos: .................................. 0 Investments: ............................................. 264,074 Total Loans:.............................................. 489,334 Premises and Fixed Assets: ....................... 30,868 Other Real Estate: ........................................ 2,064 Other Assets:.............................................. 12,274 Total Assets:............................................. 821,543 Total Trust Assets:...................................... 99,079 Deposits: .................................................. 634,818 Federal Funds and Borrowings: ................ 116,824 Other Liabilities:............................................ 2,839 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 754,481 Total Equity Capital and Reserves: ............. 67,062 Total Liabilities and Capital: ...................... 821,543 Number of Shares Outstanding:.................... 2,340 Directors: Jerry Davis; C. E. Dougan; Robert East; George G. Gleason, II; Linda D. Gleason; Porter Hillard; Henry Mariani; James Patridge; R. L. Qualls; Mark D. Ross; Kennith Smith Branches in Town: Three Other Branches: Alma, Altus, Bellefonte, Clarksville (2), Clinton, Fort Smith, Harrison (2), Jasper, 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 Department: 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:...................................... 2,122 Federal Funds and Repos: .................................. 0 Investments: ............................................... 19,934 Total Loans:................................................ 40,265 Premises and Fixed Assets: ......................... 1,354 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,169 Total Assets:............................................... 64,844 Total Trust Assets:............................................... 0 Deposits: .................................................... 43,574 Federal Funds and Borrowings: .................. 15,184 Other Liabilities:............................................... 589 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 59,347 Total Equity Capital and Reserves: ............... 5,497 Total Liabilities and Capital: ........................ 64,844 Number of Shares Outstanding:.................. 32,013 Directors: Melinda Ballard; Joseph B. Ford; Jack Hartsell; Joseph W. Park; Dr. William Brad Pierce; Boyd Rothwell; Richard Schwartz; Warren Stephenson Branches in Town: None Other Branches: North Little Rock Eighty-Sixth Report 71 Central Bank & Trust Little Rock, AR VOICE: (501) 374-7777 FAX: (501) 374-2079 Population: 175,795 1501 South Main Street Charter Number: 753 P. O. Box 1583 Date: November 30, 1990 72203-1583 County: Pulaski Trust Department: Yes Member of Federal Reserve System Bank Holding Company P & W Bancshares, Inc., Bentonville, AR Chm/CEO: Ron W. Strother SVP: Roger Steging Pres: James E. Cargill, III Cash and Due from:...................................... 4,188 Federal Funds and Repos:............................ 4,625 Investments: ............................................... 21,743 Total Loans:................................................ 73,454 Premises and Fixed Assets:.......................... 4,619 Other Real Estate: ............................................... 0 Other Assets:.............................................. 10,894 Total Assets:............................................. 119,523 Total Trust Assets:............................................... 0 Deposits:..................................................... 91,181 Federal Funds and Borrowings: .................. 12,356 Other Liabilities: ............................................... 959 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 104,496 Total Equity Capital and Reserves: ............. 15,027 Total Liabilities and Capital: ...................... 119,523 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: Four 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 Department: 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:...................................... 2,065 Federal Funds and Repos:............................ 1,715 Investments: ............................................... 22,647 Total Loans:................................................ 34,467 Premises and Fixed Assets:............................. 693 Other Real Estate: ........................................... 148 Other Assets:................................................... 764 Total Assets:............................................... 62,499 Total Trust Assets:............................................... 0 Deposits:..................................................... 53,664 Federal Funds and Borrowings: .................... 3,394 Other Liabilities: ............................................... 408 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 57,466 Total Equity Capital and Reserves: ............... 5,033 Total Liabilities and Capital: ........................ 62,499 Number of Shares Outstanding:.................... 8,000 Directors: Harry L. Hastings, Jr.; Stanley Hastings; Randall K. Herlocker; Catherine H. Owen Branches in Town: None Other Branches: Gravel Ridge, Sherwood (3) 72 Arkansas State Bank Department One Bank & Trust Little Rock, AR VOICE: (501) 370-4400 FAX: (501) 370-4573 Population: 175,795 300 West Capitol Avenue Charter Number: 776 P. O. Box 34113 Date: December 17, 1998 72203-4113 County: Pulaski Trust Department: Yes Member of Federal Reserve System Bank Holding Company OneFinancial Corporation, Little Rock, AR Chm/Pres: Layton Stuart EVP: Gary A. Rickenbach EVP: Michael F. Heald Cash and Due from:.................................... 13,037 Federal Funds and Repos: .................................. 0 Investments: ............................................... 48,978 Total Loans:.............................................. 110,863 Premises and Fixed Assets: ......................... 9,674 Other Real Estate: ............................................... 0 Other Assets:................................................ 4,724 Total Assets:............................................. 187,276 Total Trust Assets:............................................... 0 Deposits: .................................................. 150,663 Federal Funds and Borrowings: .................. 18,812 Other Liabilities:............................................ 1,002 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 170,477 Total Equity Capital and Reserves: ............. 16,799 Total Liabilities and Capital: ...................... 187,276 Number of Shares Outstanding:................ 344,576 Directors: Dr. James Pappas; R. J. Shell; Layton Stuart Branches in Town: Seven Other Branches: Bryant, Damascus, Greenbrier, Marshall, North Little Rock 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 Department: 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:...................................... 2,399 Federal Funds and Repos: .............................. 510 Investments: ............................................... 16,123 Total Loans:................................................ 83,362 Premises and Fixed Assets: ............................ 536 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,018 Total Assets:............................................. 103,948 Total Trust Assets:............................................... 0 Deposits: .................................................... 80,658 Federal Funds and Borrowings: .................. 14,630 Other Liabilities:............................................... 616 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 95,904 Total Equity Capital and Reserves: ............... 8,044 Total Liabilities and Capital: ...................... 103,948 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; Dave Parker; David Snowden, Jr. Branches in Town: One Other Branches: None Eighty-Sixth Report 73 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 Department: 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 SVP/TO: Robert Plummer Cash and Due from:.................................... 14,432 Federal Funds and Repos:................................... 0 Investments: ............................................... 37,743 Total Loans:.............................................. 199,561 Premises and Fixed Assets:........................ 10,624 Other Real Estate: ........................................... 685 Other Assets:.............................................. 10,243 Total Assets:............................................. 273,288 Total Trust Assets:.................................... 139,393 Deposits:................................................... 234,742 Federal Funds and Borrowings: .................... 8,885 Other Liabilities: ............................................ 2,741 Subordinated Debt: ....................................... 6,000 Total Liabilities: ......................................... 252,368 Total Equity Capital and Reserves: ............. 20,920 Total Liabilities and Capital: ...................... 273,288 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: Five Other Branches: North Little Rock 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 Department: No Bank Holding Company DeWitt First Bankshares Corporation, DeWitt, AR Chm: Warren A. Jennings, Sr. Pres: Phyllis Bettell Cash and Due from:......................................... 913 Federal Funds and Repos:............................... 865 Investments: ................................................. 8,687 Total Loans:................................................ 10,234 Premises and Fixed Assets:............................. 101 Other Real Estate: ............................................... 0 Other Assets:................................................... 247 Total Assets:............................................... 21,047 Total Trust Assets:............................................... 0 Deposits:..................................................... 17,633 Federal Funds and Borrowings: ....................... 261 Other Liabilities: .................................................73 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 17,967 Total Equity Capital and Reserves: ............... 3,080 Total Liabilities and Capital: ........................ 21,047 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 Arkansas State Bank Department 74 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 Department: No Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Chm: Neil Bennett, Jr. EVP: Tracy M. French CEO/Pres: David R. Estes Sec: Karen K. Hardke Cash and Due from:...................................... 1,985 Federal Funds and Repos: .................................. 0 Investments: ............................................... 41,025 Total Loans:................................................ 68,341 Premises and Fixed Assets: ......................... 2,867 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,893 Total Assets:............................................. 116,111 Total Trust Assets:............................................... 0 Deposits: .................................................... 96,119 Federal Funds and Borrowings: .................. 11,110 Other Liabilities:............................................... 421 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 107,650 Total Equity Capital and Reserves: ............... 8,461 Total Liabilities and Capital: ...................... 116,111 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 J. Fletcher, Jr.; J. Walls McCrary; Joe P. Melton; Mart Thaxton Branches in Town: One Other Branches: Carlisle 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: www.fbtarkansas.net Trust Department: Yes Bank Holding Company Magnolia Banking Corporation, Magnolia, AR Chm/CEO/Pres: Bob L. Burns EVP/COO/TO: Bruce D. Maloch EVP: Steve Keith SVP: Tim White Cash and Due from:...................................... 8,199 Federal Funds and Repos: .............................. 500 Investments: ............................................. 179,052 Total Loans:.............................................. 178,249 Premises and Fixed Assets: ......................... 5,490 Other Real Estate: ........................................... 236 Other Assets:.............................................. 12,749 Total Assets:............................................. 384,475 Total Trust Assets:...................................... 79,846 Deposits: .................................................. 334,064 Federal Funds and Borrowings: .................. 16,660 Other Liabilities:............................................ 1,904 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 352,628 Total Equity Capital and Reserves: ............. 31,847 Total Liabilities and Capital: ...................... 384,475 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 Eighty-Sixth Report 75 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 Department: Yes Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm/CEO/TO: Harold H. Fincher VP/Cash: Jill McClinton Pres: Mary L. Fowler Cash and Due from:...................................... 2,986 Federal Funds and Repos:................................... 0 Investments: ............................................... 11,250 Total Loans:................................................ 33,697 Premises and Fixed Assets:.......................... 1,520 Other Real Estate: ............................................. 27 Other Assets:................................................... 566 Total Assets:............................................... 50,046 Total Trust Assets:............................................... 0 Deposits:..................................................... 42,055 Federal Funds and Borrowings: .................... 2,510 Other Liabilities: ............................................... 116 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 44,681 Total Equity Capital and Reserves: ............... 5,365 Total Liabilities and Capital: ........................ 50,046 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 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 Department: No Bank Holding Company Southern State Bancshares, Inc., Malvern, AR Chm: W. Henry McClure EVP: Sue Stinnett CEO/Pres: Donald A. Walsh Cash: Janet Lindsey Cash and Due from:...................................... 1,742 Federal Funds and Repos:............................... 990 Investments: ............................................... 12,331 Total Loans:................................................ 34,688 Premises and Fixed Assets:.......................... 2,382 Other Real Estate: ........................................... 139 Other Assets:................................................... 962 Total Assets:............................................... 53,234 Total Trust Assets:............................................... 0 Deposits:..................................................... 47,762 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 243 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 48,005 Total Equity Capital and Reserves: ............... 5,229 Total Liabilities and Capital: ........................ 53,234 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 Arkansas State Bank Department 76 The Merchants and Planters Bank Manila, AR VOICE: (870) 561-4427 FAX: (870) 561-3384 Population: 2,635 319 North Baltimore Charter Number: 698 P. O. Box 540 Date: March 16, 1948 72442-0540 County: Mississippi Trust Department: No Bank Holding Company First Delta Bankshares, Inc., Blytheville, AR Chm: Jerry T. Sims Pres/CEO: Danny Robbins VChm: J. Steven McFerron Cash and Due from:...................................... 1,633 Federal Funds and Repos: ................................ 50 Investments: ................................................. 8,954 Total Loans:................................................ 13,639 Premises and Fixed Assets: ............................ 482 Other Real Estate: ........................................... 223 Other Assets:................................................ 2,353 Total Assets:............................................... 27,334 Total Trust Assets:............................................... 0 Deposits: .................................................... 21,362 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 186 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 21,548 Total Equity Capital and Reserves: ............... 5,786 Total Liabilities and Capital: ........................ 27,334 Number of Shares Outstanding:.................. 10,000 Directors: J. Steven McFerron; Danny Robbins; Edward G. Sims; Jerry T. Sims 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 Department: 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:......................................... 752 Federal Funds and Repos: .............................. 545 Investments: ............................................... 11,696 Total Loans:................................................ 22,635 Premises and Fixed Assets: ............................ 373 Other Real Estate: ........................................... 130 Other Assets:................................................ 1,029 Total Assets:............................................... 37,160 Total Trust Assets:............................................... 0 Deposits: .................................................... 33,095 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 167 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 33,262 Total Equity Capital and Reserves: ............... 3,898 Total Liabilities and Capital: ........................ 37,160 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-Sixth Report 77 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 Department: Yes Bank Holding Company None CEO/Pres: H. Gates Williams, Jr. VP: Linda Crowe SVP: Robert L. Naylor VP: Billy Russell, Jr. Cash and Due from:...................................... 1,037 Federal Funds and Repos:................................... 0 Investments: ................................................. 4,122 Total Loans:................................................ 20,074 Premises and Fixed Assets:............................. 944 Other Real Estate: ............................................... 0 Other Assets:................................................... 387 Total Assets:............................................... 26,564 Total Trust Assets:............................................... 0 Deposits:..................................................... 21,471 Federal Funds and Borrowings: .................... 1,190 Other Liabilities: ............................................... 174 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 22,835 Total Equity Capital and Reserves: ............... 3,729 Total Liabilities and Capital: ........................ 26,564 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 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 Department: 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:......................................... 967 Federal Funds and Repos:............................ 4,540 Investments: ................................................. 3,851 Total Loans:................................................ 21,541 Premises and Fixed Assets:............................. 398 Other Real Estate: ............................................. 36 Other Assets:................................................ 1,113 Total Assets:............................................... 32,446 Total Trust Assets:............................................... 0 Deposits:..................................................... 27,929 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 247 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 28,176 Total Equity Capital and Reserves: ............... 4,270 Total Liabilities and Capital: ........................ 32,446 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 78 Arkansas State Bank Department 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 Department: Yes Bank Holding Company M. D. Thompson & Son Co., McCrory, AR Chm/CEO/Pres: John G. Thompson VP/TO: Bobby Trotter EVP/COO: Donny Underwood Cash and Due from:...................................... 1,657 Federal Funds and Repos: ........................... 2,895 Investments: ............................................... 24,869 Total Loans:................................................ 30,579 Premises and Fixed Assets: ............................ 465 Other Real Estate: ............................................... 4 Other Assets:................................................ 1,101 Total Assets:............................................... 61,570 Total Trust Assets:............................................... 0 Deposits: .................................................... 53,917 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 360 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 54,277 Total Equity Capital and Reserves: ............... 7,293 Total Liabilities and Capital: ........................ 61,570 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 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 Department: 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 Privett Cash and Due from:...................................... 5,408 Federal Funds and Repos: .................................. 0 Investments: ............................................... 36,669 Total Loans:................................................ 42,578 Premises and Fixed Assets: ............................ 282 Other Real Estate: ............................................... 0 Other Assets:................................................ 2,107 Total Assets:............................................... 87,044 Total Trust Assets:...................................... 33,718 Deposits: .................................................... 68,071 Federal Funds and Borrowings: ....................... 550 Other Liabilities:............................................... 804 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 69,425 Total Equity Capital and Reserves: ............. 17,619 Total Liabilities and Capital: ........................ 87,044 Number of Shares Outstanding:................ 712,360 Directors: Robert H. Adcock; Lee Bowman; William W. Bowman; Bill E. Elliott; Eugene Gillam; David S. Leech; John H. Potter, Jr.; James M. Smith Branches in Town: One Other Branches: Arkansas City, Tillar, Watson Eighty-Sixth Report 79 The Bank of North Arkansas Melbourne, AR VOICE: (870) 368-4205 FAX: (870) 368-4641 Population: 1,562 601 Main Street P. O. Box 70 72556-0070 Trust Department: No Bank Holding Company First United Bancshares, Inc., El Dorado, AR CEO/Pres: Lloyd T. Jones, Sr. SVP: Judy D. Sanders EVP: W. Mike Cone Cash and Due from:...................................... 2,335 Federal Funds and Repos:................................... 0 Investments: ............................................... 13,423 Total Loans:................................................ 65,830 Premises and Fixed Assets:.......................... 1,639 Other Real Estate: ........................................... 247 Other Assets:................................................ 1,355 Total Assets:............................................... 84,829 Total Trust Assets:............................................... 0 Charter Number: 42 Date: July 29, 1896 County: Izard Deposits:..................................................... 73,825 Federal Funds and Borrowings: .................... 2,300 Other Liabilities: ............................................... 597 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 76,722 Total Equity Capital and Reserves: ............... 8,107 Total Liabilities and Capital: ........................ 84,829 Number of Shares Outstanding:.................. 80,000 Directors: W. Wesley Arnold; Brenda K. Barnes; Thomas C. Colegrove; Harlin Hames; Jim Harwood; Lloyd T. Jones, Sr.; James E. Miller; Reed M. Perryman Branches in Town: None Other Branches: Calico Rock, Horseshoe Bend 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 Department: 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:...................................... 3,144 Federal Funds and Repos:............................ 2,170 Investments: ............................................... 28,401 Total Loans:................................................ 86,216 Premises and Fixed Assets:.......................... 2,487 Other Real Estate: ............................................. 27 Other Assets:................................................ 1,977 Total Assets:............................................. 124,422 Total Trust Assets:............................................... 0 Deposits:................................................... 108,971 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 442 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 109,413 Total Equity Capital and Reserves: ............. 15,009 Total Liabilities and Capital: ...................... 124,422 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 80 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 Department: 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:...................................... 4,797 Federal Funds and Repos: ........................... 1,000 Investments: ............................................... 36,923 Total Loans:................................................ 77,092 Premises and Fixed Assets: ......................... 1,717 Other Real Estate: ........................................... 228 Other Assets:................................................ 2,397 Total Assets:............................................. 124,154 Total Trust Assets:........................................ 9,388 Deposits: .................................................. 109,059 Federal Funds and Borrowings: .................... 3,168 Other Liabilities:............................................... 910 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 113,137 Total Equity Capital and Reserves: ............. 11,017 Total Liabilities and Capital: ...................... 124,154 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) 460-6465 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 Department: Yes Bank Holding Company First Union Financial Corporation, Monticello, AR Chm: Zach McClendon, Jr. EVP/TO: Beverly Hudson CEO/Pres: James P. Jett SVP/Cash: Reathel Harris Cash and Due from:...................................... 3,878 Federal Funds and Repos: ........................... 2,495 Investments: ............................................... 30,225 Total Loans:.............................................. 106,418 Premises and Fixed Assets: ......................... 1,901 Other Real Estate: ........................................... 284 Other Assets:................................................ 2,872 Total Assets:............................................. 148,073 Total Trust Assets:...................................... 14,142 Deposits: .................................................. 130,267 Federal Funds and Borrowings: .................... 1,666 Other Liabilities:............................................ 1,320 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 133,253 Total Equity Capital and Reserves: ............. 14,820 Total Liabilities and Capital: ...................... 148,073 Number of Shares Outstanding:.................. 80,000 Directors: William K. Ball; Frank Carson, Jr.; Jonathan H. Davis; Charles F. Dearman, Jr.; Robert Dale Handly, Sr.; Charles E. Jackson; James P. Jett; John S. McClendon; Zach McClendon, Jr.; Wells Moffat; John Porter Price; Richard Reinhart; David E. Wilkins; Alan G. Williams Branches in Town: Two Other Branches: Warren, Wilmar Eighty-Sixth Report 81 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 Department: Yes Bank Holding Company Petit Jean Bancshares, Inc., Morrilton, AR Chm/Pres: Charles S. Penick EVP: Suzanne Hartman EVP: Paul Edenfield Cash and Due from:...................................... 2,097 Federal Funds and Repos:............................ 1,225 Investments: ................................................. 4,478 Total Loans:................................................ 61,561 Premises and Fixed Assets:............................. 899 Other Real Estate: ............................................... 0 Other Assets:................................................... 820 Total Assets:............................................... 71,080 Total Trust Assets:............................................... 0 Deposits:..................................................... 60,461 Federal Funds and Borrowings: .................... 3,405 Other Liabilities: ............................................... 630 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 64,496 Total Equity Capital and Reserves: ............... 6,584 Total Liabilities and Capital: ........................ 71,080 Number of Shares Outstanding:.................. 50,000 Directors: 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: 775 100 George Street Charter Number: 617 P. O. Box 1228 Date: November 26, 1930 71957-1228 County: Montgomery Trust Department: No Bank Holding Company First Community Banking Corporation, Hot Springs, AR Chm/CEO/Pres: Daniel C. Horton Cash: Hettie Abernathy Cash and Due from:...................................... 2,058 Federal Funds and Repos:............................... 265 Investments: ............................................... 24,785 Total Loans:................................................ 46,983 Premises and Fixed Assets:............................. 466 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,004 Total Assets:............................................... 75,561 Total Trust Assets:............................................... 0 Deposits:..................................................... 59,496 Federal Funds and Borrowings: .................... 4,670 Other Liabilities: ............................................... 235 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 64,401 Total Equity Capital and Reserves: ............. 11,160 Total Liabilities and Capital: ........................ 75,561 Number of Shares Outstanding:.................... 4,000 Directors: A. L. Banta; Bill Barnes; Joe Brakefield, Jr.; Harold Campbell; Daniel C. Horton; Denver Jones; Bill Lawrence; Bobby Lybrand; Ode Maddox; G. R. Mosley; Doyel O'Neal; John Selig; Melvin L. Simpson Branches in Town: One Other Branches: None Arkansas State Bank Department 82 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 Department: 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:...................................... 8,679 Federal Funds and Repos: ........................... 1,050 Investments: ............................................... 75,867 Total Loans:.............................................. 150,961 Premises and Fixed Assets: ......................... 3,406 Other Real Estate: ........................................... 593 Other Assets:................................................ 4,825 Total Assets:............................................. 245,381 Total Trust Assets:............................................. 58 Deposits: .................................................. 213,861 Federal Funds and Borrowings: .................... 9,661 Other Liabilities:............................................ 1,890 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 225,412 Total Equity Capital and Reserves: ............. 19,969 Total Liabilities and Capital: ...................... 245,381 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 Trust Department: Yes Bank Holding Company TrustBanc Financial Group, Inc., Mountain Home, AR Chm: Hugh D. McClain CFO: Gregory D. Allen CEO/Pres: Phillip H. Young Cash and Due from:......................................... 707 Federal Funds and Repos: .............................. 450 Investments: ................................................. 7,654 Total Loans:................................................ 32,362 Premises and Fixed Assets: ............................ 686 Other Real Estate: ............................................... 0 Other Assets:................................................... 404 Total Assets:............................................... 42,263 Total Trust Assets:............................................... 0 Deposits: .................................................... 34,055 Federal Funds and Borrowings: .................... 3,954 Other Liabilities:............................................... 350 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 38,359 Total Equity Capital and Reserves: ............... 3,904 Total Liabilities and Capital: ........................ 42,263 Number of Shares Outstanding:........................... 0 Directors: Orlo L. Dietrich; Douglas E. Gregg; 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-Sixth Report 83 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 Department: 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:...................................... 2,309 Federal Funds and Repos:............................ 3,800 Investments: ............................................... 51,728 Total Loans:................................................ 65,839 Premises and Fixed Assets:............................. 676 Other Real Estate: ........................................... 170 Other Assets:................................................ 2,000 Total Assets:............................................. 126,522 Total Trust Assets:............................................... 0 Deposits:................................................... 103,129 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 560 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 103,689 Total Equity Capital and Reserves: ............. 22,833 Total Liabilities and Capital: ...................... 126,522 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: 1,448 311 Main Street Charter Number: 81 P. O. Drawer A Date: January 15, 1902 72947-0480 County: Crawford Trust Department: No Member of Federal Reserve System Bank Holding Company Acme Holding Company, Inc., Mulberry, AR Chm: Betty Feller Pres: Alexander P. Golden, IV CEO: Alexander P. Golden, III SVP/Cash: Dianna J. Millsap Cash and Due from:...................................... 1,571 Federal Funds and Repos:................................... 0 Investments: ................................................. 9,826 Total Loans:................................................ 40,817 Premises and Fixed Assets:.......................... 1,671 Other Real Estate: ............................................... 8 Other Assets:................................................... 618 Total Assets:............................................... 54,511 Total Trust Assets:............................................... 0 Deposits:..................................................... 42,148 Federal Funds and Borrowings: .................... 6,923 Other Liabilities: ............................................ 1,415 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 50,486 Total Equity Capital and Reserves: ............... 4,025 Total Liabilities and Capital: ........................ 54,511 Number of Shares Outstanding:.................... 4,000 Directors: Robert R. Baker; Jerry Dickerson; Betty Feller; Alexander P. Golden, III; Alexander P. Golden, IV; Randy Hollis; John Hunter; L. J. Muncy, Jr.; L. Jan Nordin Branches in Town: One Other Branches: Little Rock 84 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 Department: 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:...................................... 6,349 Federal Funds and Repos: ........................... 5,805 Investments: ............................................... 25,421 Total Loans:................................................ 84,391 Premises and Fixed Assets: ......................... 3,987 Other Real Estate: ............................................... 8 Other Assets:................................................ 2,048 Total Assets:............................................. 128,009 Total Trust Assets:............................................... 0 Deposits: .................................................. 114,874 Federal Funds and Borrowings: .................... 1,843 Other Liabilities:............................................... 682 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 117,399 Total Equity Capital and Reserves: ............. 10,610 Total Liabilities and Capital: ...................... 128,009 Number of Shares Outstanding:.................. 10,296 Directors: Mark Duke Bainum; Tim Bainum; Robert Evans; Cooper Kizzia; Mike Moore; John A. Ross; Bill Spigner; George Steel, Sr.; Raymond Walls Branches in Town: None Other Branches: DeQueen, Dierks, 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 550 Date: March 20, 1946 72112-0550 County: Jackson Home Page: www.mandpbank.com Trust Department: Yes Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/CEO/Pres/TO: Jim S. Gowen, Sr. SVP/Cash: Patricia McFarland SVP: Carla Stiger Cash and Due from:...................................... 7,519 Federal Funds and Repos: .................................. 0 Investments: ............................................... 44,583 Total Loans:................................................ 70,817 Premises and Fixed Assets: ......................... 3,910 Other Real Estate: ........................................... 197 Other Assets:................................................ 2,749 Total Assets:............................................. 129,775 Total Trust Assets:........................................ 6,323 Deposits: .................................................. 106,629 Federal Funds and Borrowings: .................. 12,181 Other Liabilities:............................................... 803 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 119,613 Total Equity Capital and Reserves: ............. 10,162 Total Liabilities and Capital: ...................... 129,775 Number of Shares Outstanding:.................... 9,000 Directors: Morris Bowman; Thomas R. Curtner; Terry L. Dillon; Jim S. Gowen, Sr.; Dr. Troy A. Gray; Mary K. Hardin; Robert Harvey; Gerald A. Saracini; J. Edward Scoggins Branches in Town: One Other Branches: Batesville (3), McCrory, Newark, Pleasant Plains Eighty-Sixth Report 85 Twin City Bank North Little Rock, AR VOICE: (501) 812-1400 FAX: (501) 812-1499 Population: 61,741 2925 Lakewood Village Drive Charter Number: 757 P.O. Box 16270 Date: May 31, 2000 72116 County: Pulaski Home Page: www.twincitybank.net Trust Department: Yes Bank Holding Company North Little Rock Bancshares, North Little Rock, AR Chm: John W. Allison VP: Brent Geels CEO/Pres: Robert F. Birch, Jr. VP: Donna Hardcastle Cash and Due from:...................................... 7,714 Federal Funds and Repos:............................ 2,245 Investments: ................................................. 2,498 Total Loans:.................................................. 3,800 Premises and Fixed Assets:............................. 164 Other Real Estate: ............................................... 0 Other Assets:................................................... 134 Total Assets:............................................... 16,555 Total Trust Assets:............................................... 0 Deposits:....................................................... 9,535 Federal Funds and Borrowings: ....................... 904 Other Liabilities: .................................................11 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 10,450 Total Equity Capital and Reserves: ............... 6,105 Total Liabilities and Capital: ........................ 16,555 Number of Shares Outstanding:.................. 17,000 Directors: Robert H. Adcock; John W. Allison; Rick Ashley; Robert F. Birch, Jr.; William C. Brazil; Dale Bruns; Jack Engelkes; William Farris, Jr.; Alex Lieblong; Donnie L. Lindsey, Sr.; Randy Mayor; Bob Russell; C. Randall Sims; Robert Whitehouse Branches in Town: Two 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 Department: No Bank Holding Company Security State Bancshares, Inc., Charleston, MO Chm: Don Burnett VP: Renee Faughn CEO/Pres: Glen Burnett Cash: Julie Jackson Cash and Due from:...................................... 1,263 Federal Funds and Repos:............................... 246 Investments: ................................................. 2,178 Total Loans:................................................ 25,209 Premises and Fixed Assets:.......................... 2,731 Other Real Estate: ............................................... 0 Other Assets:................................................... 476 Total Assets:............................................... 32,103 Total Trust Assets:............................................... 0 Deposits:..................................................... 28,418 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 152 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 28,570 Total Equity Capital and Reserves: ............... 3,533 Total Liabilities and Capital: ........................ 32,103 Number of Shares Outstanding:.................. 12,500 Directors: Marty Buchman; Don Burnett; Glen Burnett; William Clayton Vandivort Branches in Town: None Other Branches: Marmaduke 86 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 Department: 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:...................................... 3,775 Federal Funds and Repos: .................................. 0 Investments: ................................................. 8,990 Total Loans:.............................................. 111,308 Premises and Fixed Assets: ......................... 1,946 Other Real Estate: ........................................... 379 Other Assets:................................................ 3,001 Total Assets:............................................. 129,399 Total Trust Assets:............................................... 0 Deposits: .................................................... 97,548 Federal Funds and Borrowings: .................. 20,546 Other Liabilities:............................................ 1,047 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 119,141 Total Equity Capital and Reserves: ............. 10,258 Total Liabilities and Capital: ...................... 129,399 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 Department: Yes Member of Federal Reserve System Bank Holding Company None Chm: Charles Lindy Miller SVP: Keith Milligan Pres: Greg Miller Cash: Terry Sessums Cash and Due from:......................................... 371 Federal Funds and Repos: ........................... 1,420 Investments: .................................................... 605 Total Loans:.................................................. 8,763 Premises and Fixed Assets: ............................ 665 Other Real Estate: ............................................... 0 Other Assets:................................................... 258 Total Assets:............................................... 12,082 Total Trust Assets:............................................... 0 Deposits: ...................................................... 8,565 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 85 Subordinated Debt:.............................................. 0 Total Liabilities:............................................. 8,650 Total Equity Capital and Reserves: ............... 3,432 Total Liabilities and Capital: ........................ 12,082 Number of Shares Outstanding:........................... 0 Directors: Asa Crow; Howard Eldridge; David Holbrook; Greg Miller; Charles Lindy Miller; Louise Miller; Donald Parker Branches in Town: None Other Branches: None Eighty-Sixth Report 87 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 Department: 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:...................................... 3,359 Federal Funds and Repos:............................... 200 Investments: ............................................... 18,148 Total Loans:................................................ 46,205 Premises and Fixed Assets:.......................... 2,143 Other Real Estate: ............................................. 49 Other Assets:................................................ 1,449 Total Assets:............................................... 71,553 Total Trust Assets:........................................ 3,352 Deposits:..................................................... 55,439 Federal Funds and Borrowings: .................... 4,051 Other Liabilities: ............................................... 235 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 59,725 Total Equity Capital and Reserves: ............. 11,828 Total Liabilities and Capital: ........................ 71,553 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, 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 Department: No Bank Holding Company Parkin Bancorp, Inc., Parkin, AR Chm/CEO: William N. Griffin SVP/Cash: Brenda F. Williams Pres: Frank G. Wallace VP: Gayle Cameron Cash and Due from:...................................... 1,597 Federal Funds and Repos:............................... 475 Investments: ............................................... 10,592 Total Loans:................................................ 34,137 Premises and Fixed Assets:............................. 518 Other Real Estate: ........................................... 617 Other Assets:................................................... 928 Total Assets:............................................... 48,864 Total Trust Assets:............................................... 0 Deposits:..................................................... 41,418 Federal Funds and Borrowings: .................... 3,600 Other Liabilities: ............................................... 400 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 45,418 Total Equity Capital and Reserves: ............... 3,446 Total Liabilities and Capital: ........................ 48,864 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.; Donald T. McKnight; J. E. McNeil, Jr.; Frank G. Wallace; James K. Wyatt Branches in Town: None Other Branches: Earle, Marion, West Memphis 88 Arkansas State Bank Department The Perry County 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 Department: No Bank Holding Company Perry County Bancshares, Inc., Perryville, AR Chm: Herby Branscum, Jr. SVP: Joe Carter CEO/Pres: Steven Thresher SVP: Laura Hopper Cash and Due from:...................................... 2,193 Federal Funds and Repos: ........................... 1,120 Investments: ............................................... 26,927 Total Loans:................................................ 64,407 Premises and Fixed Assets: ......................... 2,310 Other Real Estate: ............................................. 65 Other Assets:................................................... 867 Total Assets:............................................... 97,889 Total Trust Assets:............................................... 0 Deposits: .................................................... 87,017 Federal Funds and Borrowings: .................... 3,253 Other Liabilities:............................................... 741 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 91,011 Total Equity Capital and Reserves: ............... 6,878 Total Liabilities and Capital: ........................ 97,889 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 Department: 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:...................................... 3,217 Federal Funds and Repos: .............................. 500 Investments: ............................................... 18,942 Total Loans:................................................ 33,587 Premises and Fixed Assets: ............................ 757 Other Real Estate: ............................................... 0 Other Assets:................................................... 687 Total Assets:............................................... 57,690 Total Trust Assets:............................................... 0 Deposits: .................................................... 51,979 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 275 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 52,254 Total Equity Capital and Reserves: ............... 5,436 Total Liabilities and Capital: ........................ 57,690 Number of Shares Outstanding:.................... 4,000 Directors: Steve Bell; Paula O. Blackwell; James C. Poole Branches in Town: One Other Branches: None Eighty-Sixth Report 89 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 Department: No Bank Holding Company Clement Bancshares, Inc., Plainview, AR Chm: John Clement VChm: Don Guess CEO/Pres: Charles Blanchard EVP: Scott Hill Cash and Due from:...................................... 3,410 Federal Funds and Repos:............................ 9,105 Investments: ............................................... 10,467 Total Loans:.............................................. 106,130 Premises and Fixed Assets:.......................... 3,825 Other Real Estate: ........................................... 151 Other Assets:................................................ 3,205 Total Assets:............................................. 136,293 Total Trust Assets:............................................... 0 Deposits:................................................... 110,256 Federal Funds and Borrowings: .................. 17,050 Other Liabilities: ............................................... 530 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 127,836 Total Equity Capital and Reserves: ............... 8,457 Total Liabilities and Capital: ...................... 136,293 Number of Shares Outstanding:.................. 20,000 Directors: Charles Blanchard; John Clement; Don Guess; Mike Miller; George Tippin; Ralph Wilson; 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 Department: 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:...................................... 4,040 Federal Funds and Repos:............................... 500 Investments: ............................................... 16,250 Total Loans:................................................ 88,065 Premises and Fixed Assets:.......................... 4,132 Other Real Estate: ........................................... 125 Other Assets:................................................ 1,907 Total Assets:............................................. 115,019 Total Trust Assets:............................................... 0 Deposits:..................................................... 95,194 Federal Funds and Borrowings: .................... 8,620 Other Liabilities: ............................................... 621 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 104,435 Total Equity Capital and Reserves: ............. 10,584 Total Liabilities and Capital: ...................... 115,019 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 90 Arkansas State Bank Department First Community Bank Pocahontas, AR VOICE: (870) 892-5252 FAX: (870) 892-8251 Population: 6,151 205 Rice Street Charter Number: 715 P. O. Box 587 Date: June 12, 1962 72455-0587 County: Randolph Trust Department: No Bank Holding Company Walden/Smith Financial Group, Inc., Jonesboro, AR Chm/CEO/Pres: Lindley V. Smith, Jr. EVP: John Phillips, III EVP: Bill May EVP: Jeriel A. Summitt Cash and Due from:...................................... 2,284 Federal Funds and Repos: ........................... 1,545 Investments: ................................................. 9,778 Total Loans:................................................ 80,648 Premises and Fixed Assets: ......................... 5,337 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,908 Total Assets:............................................. 101,500 Total Trust Assets:............................................... 0 Deposits: .................................................... 83,186 Federal Funds and Borrowings: .................. 10,594 Other Liabilities:............................................... 663 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 94,443 Total Equity Capital and Reserves: ............... 7,057 Total Liabilities and Capital: ...................... 101,500 Number of Shares Outstanding:.................. 22,062 Directors: A. J. Baltz, Jr.; Bruce Burrow; Glenda Frangenberg; William Hurt, III; V. James King, Jr.; James R. McCurter; John Phillips, III; Lindley V. Smith, Jr.; Jeriel A. Summitt; Frank E. Walden Branches in Town: None Other Branches: Jonesboro (3) 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 Department: 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:......................................... 255 Federal Funds and Repos: .................................. 0 Investments: ................................................. 3,568 Total Loans:.................................................. 2,810 Premises and Fixed Assets: ................................ 7 Other Real Estate: ............................................. 99 Other Assets:..................................................... 86 Total Assets:................................................. 6,825 Total Trust Assets:............................................... 0 Deposits: ...................................................... 5,208 Federal Funds and Borrowings: ....................... 515 Other Liabilities:................................................. 14 Subordinated Debt:.............................................. 0 Total Liabilities:............................................. 5,737 Total Equity Capital and Reserves: ............... 1,088 Total Liabilities and Capital: .......................... 6,825 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 Eighty-Sixth Report 91 Portland Bank Portland, AR VOICE: (870) 737-2226 FAX: (870) 737-4263 Population: 560 Main Street P. O. Box 68 71663-0068 Trust Department: 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:...................................... 1,219 Federal Funds and Repos:................................... 0 Investments: ............................................... 10,975 Total Loans:................................................ 37,782 Premises and Fixed Assets:.......................... 1,853 Other Real Estate: ............................................... 0 Other Assets:................................................... 668 Total Assets:............................................... 52,497 Total Trust Assets:............................................... 0 Charter Number: 57 Date: April 23, 1900 County: Ashley Deposits:..................................................... 45,193 Federal Funds and Borrowings: .................... 3,226 Other Liabilities: ............................................... 438 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 48,857 Total Equity Capital and Reserves: ............... 3,640 Total Liabilities and Capital: ........................ 52,497 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) 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 Department: 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 VP: Jenny Stinchcomb Cash and Due from:...................................... 2,175 Federal Funds and Repos:............................ 6,550 Investments: ............................................... 24,941 Total Loans:................................................ 74,540 Premises and Fixed Assets:.......................... 1,907 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,617 Total Assets:............................................. 111,730 Total Trust Assets:............................................... 0 Deposits:..................................................... 99,278 Federal Funds and Borrowings: .................... 3,101 Other Liabilities: ............................................... 826 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 103,205 Total Equity Capital and Reserves: ............... 8,525 Total Liabilities and Capital: ...................... 111,730 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, West Fork 92 Arkansas State Bank Department 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 Department: 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. VP: Faith Beavert Cash and Due from:...................................... 2,076 Federal Funds and Repos: ........................... 2,210 Investments: ............................................... 32,163 Total Loans:................................................ 28,923 Premises and Fixed Assets: ............................ 510 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,435 Total Assets:............................................... 67,317 Total Trust Assets:............................................... 0 Deposits: .................................................... 59,452 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 419 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 59,871 Total Equity Capital and Reserves: ............... 7,446 Total Liabilities and Capital: ........................ 67,317 Number of Shares Outstanding:.................. 24,000 Directors: John Warren Brannan, Jr.; John Warren Brannan, Sr.; Carl Dalrymple, Jr.; B. A. DeLamar; James E. Franks; Robert L. Godwin; Billy Hines; Jean K. Jones; Abb Morman; R. W. Murry; Larry Rhodes; Robert Smith; John Vansickle Branches in Town: None Other Branches: None The Bank of Rison Rison, AR VOICE: (870) 325-6251 FAX: (870) 325-7661 Population: 1,258 Chm: James L. Moore, Jr. CEO/Pres: James R. Hopson 200 Main Street Charter Number: 650 P. O. Box 345 Date: March 7, 1932 71665-0345 County: Cleveland Trust Department: No Bank Holding Company None AVP: Cliff Hopson AVP/Cash: Judy Thompson Cash and Due from:...................................... 2,824 Federal Funds and Repos: .............................. 150 Investments: ................................................. 8,765 Total Loans:................................................ 10,980 Premises and Fixed Assets: ............................ 157 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,027 Total Assets:............................................... 23,903 Total Trust Assets:............................................... 0 Deposits: .................................................... 20,067 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 202 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 20,269 Total Equity Capital and Reserves: ............... 3,634 Total Liabilities and Capital: ........................ 23,903 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 Eighty-Sixth Report 93 Arvest Bank Rogers, AR VOICE: (501) 636-1975 FAX: (501) 621-1751 Population: 33,000 Chm: Carl E. Baggett 201 West Walnut Charter Number: 783 P. O. Box 809 Date: January 1, 1915 72756-0809 County: Benton Home Page: www.arvest.com Trust Department: No Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Pres: Robert V. Brothers Cash and Due from:.................................... 17,397 Federal Funds and Repos:................................... 0 Investments: ............................................... 74,882 Total Loans:.............................................. 458,336 Premises and Fixed Assets:........................ 13,666 Other Real Estate: ........................................... 735 Other Assets:.............................................. 11,702 Total Assets:............................................. 576,718 Total Trust Assets:............................................... 0 Deposits:................................................... 448,064 Federal Funds and Borrowings: .................. 76,984 Other Liabilities: ............................................ 3,750 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 528,798 Total Equity Capital and Reserves: ............. 47,920 Total Liabilities and Capital: ...................... 576,718 Number of Shares Outstanding:.................. 27,800 Directors: Carl E. Baggett; Robert V. Brothers; Richard R. Trammel; Catherine M. Allen; Meriam Benson; Richard I. Daniel; Kenneth B. Ewing; Reece Garner; Dr. Robert J. Matlock; David A. Powell; Donald G. Soderquist; Jim C. Walton Branches in Town: Three Other Branches: Berryville (2), Eureka Springs (2), Harrison, Lowell, Pea Ridge 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 Department: No Member of Federal Reserve System Bank Holding Company BOR Bancshares, Inc., Rogers, AR SVP: Scott Franklin VP: Pamela Evans Cash and Due from:...................................... 2,949 Federal Funds and Repos:................................... 0 Investments: ............................................... 11,738 Total Loans:................................................ 61,672 Premises and Fixed Assets:.......................... 1,126 Other Real Estate: ............................................... 0 Other Assets:................................................ 2,303 Total Assets:............................................... 79,788 Total Trust Assets:............................................... 0 Deposits:..................................................... 68,646 Federal Funds and Borrowings: .................... 4,400 Other Liabilities: ............................................... 613 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 73,659 Total Equity Capital and Reserves: ............... 6,129 Total Liabilities and Capital: ........................ 79,788 Number of Shares Outstanding:.................. 32,150 Directors: Virginia Mocivnik; Dick McLelland; Jerry Pittman; Kent Rylee; Tony Steele; David Swearingen; Lewis Yarborough Branches in Town: One Other Branches: Lowell Arkansas State Bank Department 94 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 Department: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Joe S. Mills VP/Cash: Darlene Cheatham VP: Gail Jordan Cash and Due from:...................................... 5,483 Federal Funds and Repos: ........................... 5,260 Investments: ............................................... 34,669 Total Loans:.............................................. 118,747 Premises and Fixed Assets: ......................... 4,324 Other Real Estate: ........................................... 901 Other Assets:................................................ 3,897 Total Assets:............................................. 173,281 Total Trust Assets:............................................... 0 Deposits: .................................................. 155,665 Federal Funds and Borrowings: .................... 1,741 Other Liabilities:............................................... 942 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 158,348 Total Equity Capital and Reserves: ............. 14,933 Total Liabilities and Capital: ...................... 173,281 Number of Shares Outstanding:.................. 18,000 Directors: Marvin Griffin; Craig Hunt; Joe S. Mills; Jim Tull; Sonya Jones Yates Branches in Town: None Other Branches: Bella Vista, Fayetteville, Lincoln, Prairie Grove, Springdale 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 Department: 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 C. Tarkington Cash and Due from:...................................... 6,930 Federal Funds and Repos: .................................. 0 Investments: ............................................... 80,325 Total Loans:.............................................. 152,443 Premises and Fixed Assets: ......................... 5,065 Other Real Estate: ........................................... 302 Other Assets:................................................ 6,999 Total Assets:............................................. 252,064 Total Trust Assets:...................................... 12,120 Deposits: .................................................. 216,221 Federal Funds and Borrowings: .................. 16,524 Other Liabilities:............................................ 1,658 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 234,403 Total Equity Capital and Reserves: ............. 17,661 Total Liabilities and Capital: ...................... 252,064 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; Bob Taylor; Michael Warren Branches in Town: Two Other Branches: Atkins, Dardanelle (2), Pottsville Eighty-Sixth Report 95 River Valley Bank Russellville, AR VOICE: (501) 498-2265 FAX: (501) 498-2259 Population: 21,260 405 West Main Street P. O. Box 1420 72811-1420 Trust Department: No Bank Holding Company RVB Bancshares, Inc., Russellville, AR CEO/Pres: James Biggers SVP: Robert E. Dale EVP/CFO: Judy Lawton VP: Sherry L. Jeffery Cash and Due from:...................................... 2,079 Federal Funds and Repos:................................... 0 Investments: ................................................. 4,358 Total Loans:................................................ 33,007 Premises and Fixed Assets:.......................... 1,405 Other Real Estate: ........................................... 139 Other Assets:................................................... 578 Total Assets:............................................... 41,566 Total Trust Assets:............................................... 0 Charter Number: 768 Date: April 14, 1997 County: Pope Deposits:..................................................... 36,837 Federal Funds and Borrowings: .................... 1,018 Other Liabilities: ............................................... 190 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 38,045 Total Equity Capital and Reserves: ............... 3,521 Total Liabilities and Capital: ........................ 41,566 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 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 Department: 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:...................................... 7,207 Federal Funds and Repos:................................... 0 Investments: ............................................... 50,680 Total Loans:.............................................. 141,224 Premises and Fixed Assets:.......................... 6,184 Other Real Estate: ............................................. 49 Other Assets:.............................................. 21,567 Total Assets:............................................. 226,911 Total Trust Assets:............................................... 0 Deposits:................................................... 170,841 Federal Funds and Borrowings: .................... 9,187 Other Liabilities: ............................................ 1,166 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 181,194 Total Equity Capital and Reserves: ............. 45,717 Total Liabilities and Capital: ...................... 226,911 Number of Shares Outstanding:.................. 10,000 Directors: Terry Bowie; Keith Cogswell; Ronald B. Jackson; Johnny Morgan; Tom Spillyards; Ed Stingley; Gene Thomason; Sharon Trusty; C. Tim White Branches in Town: Three Other Branches: Clarksville, Hector, London 96 Arkansas State Bank Department Bank of Salem Salem, AR VOICE: (870) 895-2591 FAX: (870) 895-3825 Population: 1,474 202 Church Street Charter Number: 266 P. O. Box 338 Date: December 9, 1908 72576-0338 County: Fulton Trust Department: 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:...................................... 1,637 Federal Funds and Repos: .................................. 0 Investments: ............................................... 11,148 Total Loans:................................................ 68,090 Premises and Fixed Assets: ............................ 498 Other Real Estate: ........................................... 389 Other Assets:................................................ 1,434 Total Assets:............................................... 83,196 Total Trust Assets:............................................... 0 Deposits: .................................................... 72,228 Federal Funds and Borrowings: .................... 2,363 Other Liabilities:............................................... 410 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 75,001 Total Equity Capital and Reserves: ............... 8,195 Total Liabilities and Capital: ........................ 83,196 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 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 Department: No Bank Holding Company None VP: Gary Fritsche Cash: Don Fritsche Cash and Due from:...................................... 2,189 Federal Funds and Repos: .................................. 0 Investments: ............................................... 22,968 Total Loans:................................................ 20,649 Premises and Fixed Assets: ............................ 502 Other Real Estate: ............................................... 2 Other Assets:................................................... 706 Total Assets:............................................... 47,016 Total Trust Assets:............................................... 0 Charter Number: 578 Date: April 7, 1926 County: Logan Deposits: .................................................... 37,567 Federal Funds and Borrowings: .................... 1,765 Other Liabilities:............................................... 232 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 39,564 Total Equity Capital and Reserves: ............... 7,452 Total Liabilities and Capital: ........................ 47,016 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 Eighty-Sixth Report 97 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 Department: Yes Bank Holding Company First Security Bancorp, Searcy, AR Chm/CEO: Reynie Rutledge EVP: B. Art Rand Pres: James G. Wilson TO: Frank Faust Cash and Due from:.................................... 20,860 Federal Funds and Repos:............................ 4,000 Investments: ............................................. 106,496 Total Loans:.............................................. 425,645 Premises and Fixed Assets:........................ 14,807 Other Real Estate: ........................................... 439 Other Assets:................................................ 6,772 Total Assets:............................................. 579,019 Total Trust Assets:...................................... 49,101 Charter Number: 649 Date: February 6, 1932 County: White Deposits:................................................... 529,891 Federal Funds and Borrowings: ....................... 441 Other Liabilities: ............................................ 1,211 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 531,543 Total Equity Capital and Reserves: ............. 47,476 Total Liabilities and Capital: ...................... 579,019 Number of Shares Outstanding:.................. 24,000 Directors: Dr. David Burks; Larry Crain; Robert Elliott; John McKnight; B. Art Rand; 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 Simmons First Bank of Searcy Searcy, AR VOICE: (501) 268-7575 FAX: (501) 268-1551 Population: 18,000 125 North Poplar Charter Number: 528 P. O. Box 1349 Date: February 17, 1922 72145-1349 County: White Trust Department: No Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Charles Green SVP: Gene Trammel EVP: Brooks Davis SVP/Cash: Chris Rainbolt Cash and Due from:...................................... 2,733 Federal Funds and Repos:............................ 2,000 Investments: ............................................... 25,718 Total Loans:................................................ 83,848 Premises and Fixed Assets:.......................... 1,915 Other Real Estate: ........................................... 138 Other Assets:................................................ 7,106 Total Assets:............................................. 123,458 Total Trust Assets:............................................... 0 Deposits:................................................... 106,444 Federal Funds and Borrowings: ....................... 887 Other Liabilities: ............................................... 845 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 108,176 Total Equity Capital and Reserves: ............. 15,282 Total Liabilities and Capital: ...................... 123,458 Number of Shares Outstanding:.................. 10,000 Directors: Frank Carder; Richard Cargile; Jim Carr; Stuart Dalrymple; Brooks Davis; Dennis Donovan; Al Fowler; Charles Green; Dr. Gene Joseph; Glenn Rambin; Lee Stephenson Branches in Town: Two Other Branches: Kensett 98 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 Department: Yes Member of Federal Reserve System Bank Holding Company None CEO/Pres: Arthur Morris EVP/TO: Curtis Hutchins EVP/Cash: Beverly Lescard Cash and Due from:...................................... 4,537 Federal Funds and Repos: ........................... 5,600 Investments: ............................................... 39,722 Total Loans:................................................ 58,396 Premises and Fixed Assets: ......................... 2,682 Other Real Estate: ........................................... 270 Other Assets:................................................ 1,984 Total Assets:............................................. 113,191 Total Trust Assets:.................................... 112,258 Deposits: .................................................... 85,331 Federal Funds and Borrowings: .................... 5,106 Other Liabilities:............................................... 445 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 90,882 Total Equity Capital and Reserves: ............. 22,309 Total Liabilities and Capital: ...................... 113,191 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: One Other Branches: Gentry 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 Department: 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:...................................... 5,087 Federal Funds and Repos: ......................... 14,000 Investments: ............................................... 32,244 Total Loans:.............................................. 155,203 Premises and Fixed Assets: ......................... 1,680 Other Real Estate: ............................................. 78 Other Assets:................................................ 2,953 Total Assets:............................................. 211,245 Total Trust Assets:............................................... 0 Deposits: .................................................. 172,789 Federal Funds and Borrowings: .................. 19,390 Other Liabilities:............................................ 1,769 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 193,948 Total Equity Capital and Reserves: ............. 17,297 Total Liabilities and Capital: ...................... 211,245 Number of Shares Outstanding:................ 100,000 Directors: Lee Balzer; Mary Benjamin; Lynch Butler; Warren Fields; Linda Gregory; Grady Lamb; Railey Steele; Jim C. Walton; Marion K. Wasson Branches in Town: One Other Branches: Gentry Eighty-Sixth Report 99 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 Department: Yes Bank Holding Company Smackover Bancshares, Inc., Smackover, AR Pres/CEO: Bob Willett SVP/TO: James B. Yeager SVP: J. Drew Tennyson VP: Vicki Davis Cash and Due from:...................................... 2,680 Federal Funds and Repos:................................... 0 Investments: ............................................... 37,987 Total Loans:................................................ 56,621 Premises and Fixed Assets:............................. 546 Other Real Estate: ............................................... 2 Other Assets:................................................ 1,456 Total Assets:............................................... 99,292 Total Trust Assets:........................................ 1,546 Deposits:..................................................... 83,880 Federal Funds and Borrowings: .................... 3,610 Other Liabilities: ............................................... 510 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 88,000 Total Equity Capital and Reserves: ............. 11,292 Total Liabilities and Capital: ........................ 99,292 Number of Shares Outstanding:................ 100,000 Directors: Gary DeYampert; Max O. Taylor; J. Drew Tennyson; James M. Tennyson; John D. Trimble; Bob Willett; James B. Yeager Branches in Town: None Other Branches: El Dorado, Norphlet Merchants & Planters 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 Department: No Bank Holding Company Riverside Bancshares, Inc., Little Rock, AR Chm: David Matchet VP: Kathryn Daniell Pres/COO: Larry Gaston VP: Patricia Wright Cash and Due from:......................................... 830 Federal Funds and Repos:................................... 0 Investments: ................................................. 4,789 Total Loans:................................................ 24,966 Premises and Fixed Assets:............................. 752 Other Real Estate: ............................................... 0 Other Assets:................................................... 594 Total Assets:............................................... 31,931 Total Trust Assets:............................................... 0 Deposits:..................................................... 25,590 Federal Funds and Borrowings: .................... 3,635 Other Liabilities: ............................................... 116 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 29,341 Total Equity Capital and Reserves: ............... 2,590 Total Liabilities and Capital: ........................ 31,931 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 100 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 Department: Yes Member of Federal Reserve System Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR CEO/Pres: Buddy D. Philpot SVP: Kathy Carlock EVP: Dennis Smiley SVP: Kent Williamson Cash and Due from:.................................... 11,894 Federal Funds and Repos: .................................. 0 Investments: ............................................... 51,748 Total Loans:.............................................. 215,350 Premises and Fixed Assets: ......................... 6,834 Other Real Estate: ............................................. 56 Other Assets:.............................................. 12,121 Total Assets:............................................. 298,003 Total Trust Assets:............................................... 0 Deposits: .................................................. 230,957 Federal Funds and Borrowings: .................. 35,990 Other Liabilities:............................................ 2,007 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 268,954 Total Equity Capital and Reserves: ............. 29,049 Total Liabilities and Capital: ...................... 298,003 Number of Shares Outstanding:.................... 5,500 Directors: James Baker; Rick Barrows; Wayne Britt; Richard P. Calhoun; Joy Drummonds; Sammy Fiser; Mitchell Johnson; Buddy D. Philpot; Stephen Shaddox; Philip Taldo; Willard Walker; Jim C. Walton; Bob Wood 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 401 Thomas Street Charter Number: 106 P. O. Box 8 Date: December 8, 1902 71860-0008 County: Lafayette Trust Department: No Bank Holding Company Bodcaw Bancshares, Inc., Stamps, AR Cash: Brenda Scroggins Cash and Due from:...................................... 1,778 Federal Funds and Repos: .................................. 0 Investments: ............................................... 38,457 Total Loans:................................................ 15,981 Premises and Fixed Assets: ............................ 149 Other Real Estate: ............................................... 0 Other Assets:................................................... 800 Total Assets:............................................... 57,165 Total Trust Assets:............................................... 0 Deposits: .................................................... 46,925 Federal Funds and Borrowings: ....................... 580 Other Liabilities:............................................... 387 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 47,892 Total Equity Capital and Reserves: ............... 9,273 Total Liabilities and Capital: ........................ 57,165 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-Sixth Report 101 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 Department: No Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Bennie F. Ryburn, Jr. EVP: Anneta Moore Pres: R. Mark Owen SVP: Wayne Beaty Cash and Due from:...................................... 3,871 Federal Funds and Repos:................................... 0 Investments: ............................................... 25,390 Total Loans:................................................ 46,278 Premises and Fixed Assets:.......................... 2,572 Other Real Estate: ............................................. 94 Other Assets:................................................ 1,551 Total Assets:............................................... 79,756 Total Trust Assets:............................................... 0 Charter Number: 567 Date: April 27, 1925 County: Lincoln Deposits:..................................................... 69,211 Federal Funds and Borrowings: .................... 1,580 Other Liabilities: ............................................... 353 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 71,144 Total Equity Capital and Reserves: ............... 8,612 Total Liabilities and Capital: ........................ 79,756 Number of Shares Outstanding:.................. 15,000 Directors: Robert S. Floyd; Bill Frizzell; Keith Griffin; Lucille Ollar; R. Mark Owen; Pat Riley, Jr.; Bennie F. Ryburn, Jr.; Marion Ryburn; Weldon Wynn Branches in Town: None Other Branches: Gould, Pine Bluff 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 Department: 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:......................................... 804 Federal Funds and Repos:............................ 1,125 Investments: ................................................. 4,775 Total Loans:................................................ 19,817 Premises and Fixed Assets:............................. 206 Other Real Estate: ........................................... 131 Other Assets:................................................... 349 Total Assets:............................................... 27,207 Total Trust Assets:............................................... 0 Deposits:..................................................... 24,087 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 173 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 24,260 Total Equity Capital and Reserves: ............... 2,947 Total Liabilities and Capital: ........................ 27,207 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 102 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 Trust Department: 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:...................................... 6,225 Federal Funds and Repos: .................................. 0 Investments: ............................................... 72,978 Total Loans:.............................................. 101,795 Premises and Fixed Assets: ......................... 1,756 Other Real Estate: ........................................... 118 Other Assets:................................................ 5,659 Total Assets:............................................. 188,531 Total Trust Assets:...................................... 52,141 Deposits: .................................................. 143,073 Federal Funds and Borrowings: .................. 21,004 Other Liabilities:............................................ 1,191 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 165,268 Total Equity Capital and Reserves: ............. 23,263 Total Liabilities and Capital: ...................... 188,531 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 First United Bank Stuttgart, AR VOICE: (870) 673-3545 FAX: (870) 673-1977 Population: 10,420 412 South Main Charter Number: 764 P. O. Drawer 908 Date: October 21, 1993 72160-0908 County: Arkansas Trust Department: Yes Bank Holding Company First United Bancshares, Inc., El Dorado, AR CEO/Pres: Robert M. Koch SVP/Cash: Robin L. Harris EVP: Waylan Wiggins TO: Pam Colbert Cash and Due from:.................................... 10,688 Federal Funds and Repos: .................................. 0 Investments: ............................................. 106,279 Total Loans:.............................................. 128,318 Premises and Fixed Assets: ......................... 2,804 Other Real Estate: ............................................. 41 Other Assets:................................................ 5,361 Total Assets:............................................. 253,491 Total Trust Assets:........................................ 1,266 Deposits: .................................................. 205,943 Federal Funds and Borrowings: .................. 22,866 Other Liabilities:............................................ 1,205 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 230,014 Total Equity Capital and Reserves: ............. 23,477 Total Liabilities and Capital: ...................... 253,491 Number of Shares Outstanding:................ 110,000 Directors: Jack B. Coker; Tommy Hillman; Jerry J. Hoskyn; Steven M. Keith; James V. Kelley; Robert M. Koch; Ben Myers; Wanda H. Northcutt Hartz; Robert Petter, Sr.; Randall Snider; John E. Stephens; Ralph Wilson Branches in Town: Two Other Branches: Brinkley, Carlisle, Hazen, Humnoke, Humphrey Eighty-Sixth Report 103 Bank of Trumann Trumann, AR VOICE: (870) 483-6333 FAX: (870) 483-7512 Population: 6,304 Chm: Wilburn J. Cole CEO/Pres: John R. Gillette 326 Hwy 463 Charter Number: 354 P. O. Box 48 Date: October 2, 1911 72472-0048 County: Poinsett Trust Department: No Bank Holding Company None VP: Carroll D. Anderson Cash and Due from:...................................... 1,643 Federal Funds and Repos:............................... 120 Investments: ............................................... 31,802 Total Loans:................................................ 40,602 Premises and Fixed Assets:............................. 311 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,393 Total Assets:............................................... 75,871 Total Trust Assets:............................................... 0 Deposits:..................................................... 64,603 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 836 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 65,439 Total Equity Capital and Reserves: ............. 10,432 Total Liabilities and Capital: ........................ 75,871 Number of Shares Outstanding:.................. 60,000 Directors: Carroll D. Anderson; Alice Clogston; Wilburn J. Cole; John R. Gillette; Noyl Houston; Eugene Pounds; Clyde Robertson, Jr.; Natalie Stuckey Branches in Town: None Other Branches: None Bank of Tuckerman Tuckerman, AR VOICE: (870) 349-5155 FAX: (870) 349-5170 Population: 2,020 106 East Main Charter Number: 164 P. O. Box 1000 Date: November 8, 1902 72473-1000 County: Jackson Trust Department: No Bank Holding Company Walden/Smith Financial Group, Inc., Jonesboro, AR Chm/CEO/Pres: Lindley V. Smith, Jr. VP: Drew Sandlin EVP: Al M. Morris, Jr. Cash: Lisa Riley Cash and Due from:...................................... 1,774 Federal Funds and Repos:................................. 35 Investments: ............................................... 10,614 Total Loans:................................................ 36,751 Premises and Fixed Assets:............................. 192 Other Real Estate: ........................................... 164 Other Assets:................................................... 843 Total Assets:............................................... 50,373 Total Trust Assets:............................................... 0 Deposits:..................................................... 43,680 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 305 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 43,985 Total Equity Capital and Reserves: ............... 6,388 Total Liabilities and Capital: ........................ 50,373 Number of Shares Outstanding:.................... 4,000 Directors: Scotty Armstrong; Bob Penix; Lindley V. Smith, Jr.; Frank E. Walden Branches in Town: One Other Branches: Grubbs, Newport, Swifton 104 Arkansas State Bank Department First Delta Bank Tyronza, AR VOICE: (870) 487-2161 FAX: (870) 487-2069 Population: 858 Main and Oak Streets Charter Number: 704 P. O. Box 395 Date: October 31, 1951 72386-0395 County: Poinsett Trust Department: No Bank Holding Company Tyronza Bancshares, Inc., Marked Tree, AR CEO/Pres: Steve A. Wilcoxon VP: Gary Williams VP: Becky Williams VP/Cash: Angela Lewis Cash and Due from:...................................... 1,589 Federal Funds and Repos: .................................. 0 Investments: ............................................... 11,342 Total Loans:................................................ 37,126 Premises and Fixed Assets: ......................... 1,169 Other Real Estate: ........................................... 140 Other Assets:................................................... 880 Total Assets:............................................... 52,246 Total Trust Assets:............................................... 0 Deposits: .................................................... 45,796 Federal Funds and Borrowings: .................... 1,000 Other Liabilities:............................................... 420 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 47,216 Total Equity Capital and Reserves: ............... 5,030 Total Liabilities and Capital: ........................ 52,246 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: Marked Tree , Trumann Citizens Bank & Trust Company Van Buren, AR VOICE: (501) 474-1201 3110 Alma Hwy. Charter Number: 328 FAX: (501) 410-1340 P. O. Box 469 Date: December 20, 1910 Population: 14,979 72956-0469 County: Crawford Home Page: www.cbankandtrust.com/general.html Trust Department: 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:...................................... 4,526 Federal Funds and Repos: .................................. 0 Investments: ............................................... 45,030 Total Loans:.............................................. 140,690 Premises and Fixed Assets: ......................... 4,971 Other Real Estate: ........................................... 345 Other Assets:................................................ 5,658 Total Assets:............................................. 201,220 Total Trust Assets:........................................ 5,855 Deposits: .................................................. 172,984 Federal Funds and Borrowings: .................... 3,025 Other Liabilities:............................................ 2,428 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 178,437 Total Equity Capital and Reserves: ............. 22,783 Total Liabilities and Capital: ...................... 201,220 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 Eighty-Sixth Report 105 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 Department: 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:...................................... 1,795 Federal Funds and Repos:............................ 1,850 Investments: ............................................... 24,103 Total Loans:................................................ 42,032 Premises and Fixed Assets:............................. 798 Other Real Estate: ............................................... 0 Other Assets:................................................ 1,137 Total Assets:............................................... 71,715 Total Trust Assets:........................................... 168 Deposits:..................................................... 59,816 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 261 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 60,077 Total Equity Capital and Reserves: ............. 11,638 Total Liabilities and Capital: ........................ 71,715 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 The Scott County Bank Waldron, AR VOICE: (501) 637-3191 FAX: (501) 637-3195 Population: 3,024 570 Main Street Charter Number: 741 P. O. Box 838 Date: February 20, 1980 72958-0838 County: Scott Trust Department: No Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm: John Ed Chambers, III SVP: Trisha Sikes Pres: Kelley Hunt VP/Cash: Janie Graves Cash and Due from:...................................... 1,339 Federal Funds and Repos:............................ 8,660 Investments: ............................................... 16,196 Total Loans:................................................ 59,341 Premises and Fixed Assets:.......................... 2,167 Other Real Estate: ............................................. 43 Other Assets:................................................ 1,075 Total Assets:............................................... 88,821 Total Trust Assets:............................................... 0 Deposits:..................................................... 80,616 Federal Funds and Borrowings: ...........................0 Other Liabilities: ............................................... 376 Subordinated Debt: ..............................................0 Total Liabilities: ........................................... 80,992 Total Equity Capital and Reserves: ............... 7,829 Total Liabilities and Capital: ........................ 88,821 Number of Shares Outstanding:.................. 40,000 Directors: John Ed Chambers, III; Roy Hale; Robert Handley; Steve Hattabaugh; Kelley Hunt; Dan Laird; Daryen Wiles Branches in Town: None Other Branches: Mansfield, Mena Arkansas State Bank Department 106 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 Department: Yes Bank Holding Company Bradley Bancshares, Inc., Warren, AR Chm: Virginia M. Ryburn VChm: Bennie F. Ryburn, Jr. CEO/Pres: Freddie M. Mobley TO: Annette Temple Cash and Due from:...................................... 2,428 Federal Funds and Repos: .................................. 0 Investments: ............................................... 32,936 Total Loans:................................................ 51,141 Premises and Fixed Assets: ......................... 1,863 Other Real Estate: ............................................. 37 Other Assets:................................................ 1,538 Total Assets:............................................... 89,943 Total Trust Assets:........................................ 4,320 Deposits: .................................................... 79,604 Federal Funds and Borrowings: ....................... 512 Other Liabilities:............................................... 623 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 80,739 Total Equity Capital and Reserves: ............... 9,204 Total Liabilities and Capital: ........................ 89,943 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; J. C. Thompson; 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 Chm: John B. Frazer Pres/TO: Carlton E. Davis 201 South Main Charter Number: 80 P. O. Box 350 Date: December 28, 1901 71671-0350 County: Bradley Trust Department: Yes Bank Holding Company None SVP: Tim Spraggins SVP/Cash: James E. Smith Cash and Due from:...................................... 3,332 Federal Funds and Repos: .............................. 850 Investments: ............................................... 52,175 Total Loans:................................................ 54,610 Premises and Fixed Assets: ......................... 1,070 Other Real Estate: ............................................... 0 Other Assets:................................................ 2,003 Total Assets:............................................. 114,040 Total Trust Assets:...................................... 19,591 Deposits: .................................................... 95,128 Federal Funds and Borrowings: .................... 1,103 Other Liabilities:............................................... 621 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 96,852 Total Equity Capital and Reserves: ............. 17,188 Total Liabilities and Capital: ...................... 114,040 Number of Shares Outstanding:.................. 48,000 Directors: Bruce Anderson; Gerald Burton; Carlton E. Davis; L. H. Derby, Jr.; John B. Frazer; W. Sykes Harris; Calvin Heird; C. A. Milton; Dr. Kerry F. Pennington; Gerard Sangster; Dr. G. F. Wynne Branches in Town: Two Other Branches: Hermitage Eighty-Sixth Report 107 Cross County Bank Wynne, AR VOICE: (870) 238-8171 FAX: (870) 238-4052 Population: 8,187 1 Cross County Plaza Charter Number: 25 P. O. Box 9 Date: June 5, 1891 72396-0009 County: Cross Home Page: www.crosscountybank.com Trust Department: Yes Bank Holding Company Cross County Bancshares, Inc., Wynne, AR Chm: Dr. Willard G. Burks EVP: Mac McClanahan CEO/Pres: Ken McClanahan TO: Vincent Guest Cash and Due from:...................................... 5,123 Federal Funds and Repos:............................ 9,200 Investments: ............................................... 39,508 Total Loans:.............................................. 108,251 Premises and Fixed Assets:.......................... 3,021 Other Real Estate: ........................................... 157 Other Assets:................................................ 3,654 Total Assets:............................................. 168,914 Total Trust Assets:........................................ 2,915 Deposits:................................................... 150,958 Federal Funds and Borrowings: ....................... 613 Other Liabilities: ............................................... 786 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 152,357 Total Equity Capital and Reserves: ............. 16,557 Total Liabilities and Capital: ...................... 168,914 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 Department: Yes Member of Federal Reserve System Bank Holding Company Mountain Bancshares, Inc., Yellville, AR Chm/CEO/Pres: Judy R. Loving SVP: Jerry D. Cunningham EVP/Cash: Chloe Richardson TO: Truman Jefferson Cash and Due from:...................................... 4,064 Federal Funds and Repos:............................ 3,895 Investments: ............................................... 21,101 Total Loans:.............................................. 118,023 Premises and Fixed Assets:.......................... 4,792 Other Real Estate: ........................................... 159 Other Assets:................................................ 2,132 Total Assets:............................................. 154,166 Total Trust Assets:........................................... 219 Deposits:................................................... 132,407 Federal Funds and Borrowings: .................... 8,749 Other Liabilities: ............................................... 452 Subordinated Debt: ..............................................0 Total Liabilities: ......................................... 141,608 Total Equity Capital and Reserves: ............. 12,558 Total Liabilities and Capital: ...................... 154,166 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 108 Arkansas State Bank Department Eighty-Sixth Report REPORT OF THE STATE CHARTERED NON-PROFIT ORGANIZATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2000 110 Arkansas State Bank Department Arkansas Capital Corporation Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Population: 175,795 Chm: Bert M. Mullens Pres: David H. Shindler Charter Number: 1006 225 South Pulaski Street Date: August 6, 1958 72201-1925 County: Pulaski Home Page: www.arcapital.com Trust Department: No Bank Holding Company None EVP/Treas/Sec: C. Sam Walls VP: Jerry Adams Cash and Due from:...................................... 2,310 Federal Funds and Repos: .................................. 0 Investments: ................................................. 3,312 Total Loans:................................................ 26,496 Premises and Fixed Assets: ............................ 821 Other Real Estate: ............................................... 0 Other Assets:................................................... 583 Total Assets:............................................... 33,522 Total Trust Assets:............................................... 0 Deposits: ............................................................. 0 Federal Funds and Borrowings: .................. 25,606 Other Liabilities:............................................... 353 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 25,959 Total Equity Capital and Reserves: ............... 7,563 Total Liabilities and Capital: ........................ 33,522 Number of Shares Outstanding:.................... 1,095 Directors: Carl E. Baggett; George E. Campbell; Joseph B. Ford; Gary E. Garton; Donald H. Henry; 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 Eighty-Sixth Report REPORT OF THE STATE CHARTERED TRUST COMPANIES (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2000 Arkansas State Bank Department 112 Community First Trust Company Hot Springs, AR VOICE: (501) 624-4028 FAX: (501) 624-0338 Population: 32,462 101 Archwood Street P. O. Box 20066 71903 Pres: Charles R. Dudley, II Charter Number: 35001 Date: June 17, 1998 County: Garland EVP: William L. Kerst Directors: Gerald A. Burgner; Charles R. Dudley, II; James A. Gill; D. Kyle McDonald Branches in Town: None Other Branches: Russellville Hot Springs Village, P.L.D. Trust Company (Private) Little Rock, AR VOICE: (501) 372-5659 FAX: (501) 374-8657 Population: 175,795 Pres: L. Pauline Whitaker 212 Center Street,Suite 700 72201 Charter Number: 35002 Date: October 15, 1998 County: Pulaski Atty: Mark W. Nichols Directors: Donald Whitaker; L. Pauline Whitaker; Larry Whitaker Branches in Town: None Other Branches: None Eighty-Sixth Report REPORT OF THE REGIONAL/COUNTY INDUSTRIAL DEVELOPMENT CORPORATIONS (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2000 Arkansas State Bank Department 114 Northwest Arkansas Regional Industrial Development Fort Smith, AR Charter Number: 30006 VOICE: (501) 782-5959 FAX: (501) 782-9669 Pres: Eddie Melson EVP: Luther Reed Greenpointe Center, Ste 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 1525 Merrill Drive, Suite 3000 72211 Pres: Robert B. Francis 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 Eighty-Sixth Report 115 North Delta Regional Industrial Development Corporation Trumann, AR Charter Number: 30005 VOICE: (870) 483-2092 FAX: (870) 483-7330 Chm/Pres: Kelley Webb 200 West Main, Suite 110 P. O. Box 413 72472 VP/Sec: Robin Thompson 116 Arkansas State Bank Department Eighty-Sixth Report LIST OF COMMERCIAL BANKS BY COUNTY AND MAP OF ARKANSAS COUNTIES JUNE 30, 2000 Arkansas State Bank Department 118 COUNTY BANK CITY Arkansas DeWitt Bank And Trust Company The First National Bank of DeWitt Planters & Merchants Bank The Farmers and Merchants Bank First United Bank Ashley First National Bank of Crossett First State Bank Farmers Bank Delta Trust & Bank The Peoples Bank Portland Bank Baxter First National Bank and Trust Co. of Mt. Home 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 Bank of Amity Elk Horn Bank and Trust Company Summit Bank First State Bank of Gurdon Amity Arkadelphia Arkadelphia Gurdon DeWitt DeWitt Gillett Stuttgart 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 Eighty-Sixth Report 119 COUNTY BANK CITY Clay Corning Bank Piggott State Bank Cleburne The Cleburne County Bank Greers Ferry Lake State Bank Heber Springs State Bank Cleveland Pine State Bank The Bank of Rison Columbia Farmers Bank and Trust Company First National Bank of Magnolia The Peoples Bank Magnolia Magnolia Magnolia Conway Petit Jean State Bank Morrilton Craighead American State Bank Heritage Bank MidSouth Bank Simmons First Bank of Jonesboro Jonesboro Jonesboro Jonesboro Jonesboro Crawford Bank of Mulberry Citizens Bank & Trust Company Mulberry Van Buren Crittenden First Community Bank of Eastern Arkansas Fidelity National Bank of West Memphis Cross First State Bank Cross County Bank The First National Bank of Wynne Dallas Fordyce Bank & Trust Company Merchants & Planters 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 Corning Piggott Heber Springs Heber Springs Heber Springs Kingsland Rison Marion West Memphis Parkin Wynne Wynne Salem Arkansas State Bank Department 120 COUNTY BANK CITY Garland Alliance Bank of Hot Springs First National Bank Hot Springs Hot Springs Greene Bank of Paragould First National Bank Peoples Bank Southern Bank of Commerce Paragould Paragould Paragould Paragould Hempstead Bank of Blevins The Citizens National Bank of Hope 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 The Bank of North Arkansas Jackson Merchants & Planters Bank Bank of Tuckerman 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 Blevins Hope Hope Malvern Malvern Calico Rock Melbourne Newport Tuckerman Imboden Walnut Ridge Marianna Eighty-Sixth Report 121 COUNTY BANK CITY Logan Citizens Bank The First National Bank at Paris Logan County Bank Lonoke Community Bank Bank of England First State Bank Madison First State Bank Madison Bank and Trust Marion The Bank of Yellville Mississippi Farmers Bank And Trust Company The First National Bank in Blytheville The Merchants and Planters Bank Blytheville Blytheville Manila 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 Merchants and Planters Bank, N.A. The Stephens Security Bank Bearden Camden Camden Stephens Perry The Perry County Bank Perryville Phillips The Delta State Bank First National Bank of Phillips County Helena National Bank Pike Bank of Delight The Bank of Glenwood Diamond State Bank Delight Glenwood Murfreesboro Poinsett The Bank of Harrisburg Little River Bank Marked Tree Bank Bank of Trumann First Delta Bank Harrisburg Lepanto Marked Tree Trumann Tyronza Polk First National Bank in Mena The Union Bank of Mena Booneville Paris Scranton Cabot England Lonoke Huntsville Kingston Yellville Prescott Elaine Helena Helena Mena Mena Arkansas State Bank Department 122 COUNTY BANK CITY 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 Eagle Bank & Trust Company Metropolitan National Bank One Bank & Trust Pinnacle Bank Pulaski Bank And Trust Company National Bank of Arkansas in North Little Rock Twin City Bank Randolph Bank of Pocahontas First Community Bank Saline The Union Bank of Benton The Union Bank of Bryant Scott Bank of Waldron The Scott County Bank Sebastian Arvest Bank The City National Bank of Fort Smith The First National Bank of Fort Smith Farmers Bank Bank of Mansfield Fort Smith 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, N.A. The Planters National Bank of Hughes Russellville Russellville Russellville Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock North Little Rock North Little Rock Pocahontas Pocahontas Benton Bryant Waldron Waldron Forrest City Forrest City Hughes Eighty-Sixth Report COUNTY BANK Stone Bank of Mountain View Union First Financial Bank The First National Bank of El Dorado Simmons First Bank of El Dorado, N. A. Smackover State Bank Washington The Bank of Elkins Bank of Arkansas, N.A. The Bank of Fayetteville, N.A. McIlroy Bank & Trust The Farmers & Merchants Bank The First National Bank of Springdale Springdale Bank and Trust 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 123 CITY Mountain View El Dorado El Dorado El Dorado Smackover Elkins Fayetteville Fayetteville Fayetteville Prairie Grove Springdale Springdale Bald Knob Searcy Searcy Augusta McCrory Danville Dardanelle Plainview Arkansas State Bank Department 124 MAP OF ARKANSAS COUNTIES BENTON CARROLL BOONE MARION BAXTER IZARD SEARCY STONE VAN BUREN CLEBURNE POINSETT CROSS POLK ASHLEY Eighty-Sixth Report ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2000 Arkansas State Bank Department 126 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: Phillip N. Baldwin Subsidiaries: Elk Horn Bank and Trust Company The Delta State Bank Phillips Insurance Services, Inc. First National Bank of Phillips County First Investment Advisory Services, Inc. Opportunity Lands Corporation Southern Community Development Corporation Southern Development Mortgage Corporation Southern Ventures Arkansas Enterprise Group Arkadelphia, AR Elaine, AR Elaine, AR Helena, AR Helena, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Little Rock, 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 Summit Residential Services, Inc. 409 Main Street P. O. Box 965 71923 Sec: Kathie L. Bledsoe Arkadelphia, AR Arkadelphia, AR Eighty-Sixth Report 127 Citizens State Bankshares of Bald Knob, Inc. Bald Knob, AR RSSD Number: 1096822 VOICE: (501) 724-3241 FAX: (501) 724-5985 Chm/CEO: Juanita Litzelfelner Pres/COO/Treas: 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 128 Union Bancshares of Benton, Inc. Benton, AR RSSD Number: 1133530 VOICE: (501) 315-0411 FAX: (501) 315-5433 207 West Conway Street P. O. Box 687 72018-0687 Chm/CEO/Pres: Greg B. Brown Subsidiaries: The Union Bank of Benton UFS, Inc. The Union Bank of Bryant Benton, AR Mabelvale, AR Bryant, AR Arvest Bank Group, Inc. Bentonville, AR RSSD Number: 1095674 VOICE: (501) 273-5743 FAX: (501) 273-7477 Chm/CEO/Pres: Jim C. Walton 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 Asset Management, Inc.. First Place on the Creeks, L.L.C. Springdale Bank and Trust AWCA Company, Inc. Arvest Trust Company, N.A. 125 West Central #218 72712-5248 VP/Treas/Sec: Richard D. Chapman 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 Eighty-Sixth Report 129 P & W Bancshares, Inc. Bentonville, AR RSSD Number: 1845673 VOICE: (501) 273-5743 FAX: (501) 273-7477 125 West Central #218 72712-5248 Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm/CEO/Pres: Jim C. Walton VP/Sec: Richard D. Chapman Subsidiaries: Central Bank & Trust Central Mortgage Company Little Rock, AR Little Rock, AR Siloam Springs Bancshares, Inc. Bentonville, AR RSSD Number: 1100279 VOICE: (501) 273-5743 FAX: (501) 273-7477 125 West Central, #218 72712-5248 Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm/CEO/Pres: Jim C. Walton Subsidiaries: First Arvest Bank Siloam Springs, AR Farmers Bancorp, Inc. Blytheville, AR RSSD Number: 1247615 VOICE: (870) 763-8101 FAX: (870) 763-3500 Pres: Alvin Huffmann, III VP: Paula O. Blackwell Subsidiaries: Farmers Bank And Trust Company 400 West Main Street P. O. Box 688 72316-0688 Treas/Sec: Steve Bell Blytheville, AR Arkansas State Bank Department 130 First Delta Bankshares, Inc. Blytheville, AR RSSD Number: 1097388 VOICE: (870) 763-4443 FAX: (870) 762-5312 120 South Second P. O. Box 809 72316-0809 Chm/CEO: Jerry T. Sims Subsidiaries: The First National Bank in Blytheville The Merchants and Planters Bank Blytheville, AR Manila, AR First Western Bancshares ESOT Booneville, AR RSSD Number: 2628994 VOICE: (501) 675-0369 FAX: (501) 675-0751 Chm: Jeral L. Hampton Subsidiaries: First Western Bancshares, Inc. Citizens Bank First Western Insurance Agency, Inc. First Western Mortgage First Western Properties First Western Insurance Agency, Inc. 80 West Main P. O. Box 238 72927-0087 Pres: John T. Hampton Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Rogers, AR Eighty-Sixth Report 131 First Western Bancshares, Inc. Booneville, AR RSSD Number: 1100091 VOICE: (501) 675-0369 FAX: (501) 675-0751 80 West Main P. O. Box 238 72927-0087 Bank Holding Company First Western Bancshares ESOT, Booneville, AR Chm: Jeral L. Hampton Pres: John T. Hampton EVP/CFO: Bill Mitchell Subsidiaries: Citizens Bank First Western Insurance Agency, Inc. First Western Mortgage First Western Properties First Western Insurance Agency, Inc. Booneville, AR Booneville, AR Booneville, AR Booneville, AR Rogers, AR The Bradley Corporation Bradley, AR RSSD Number: 1096877 VOICE: (870) 894-3322 FAX: (870) 894-3324 Main 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 132 Community Financial Group Cabot, AR RSSD Number: 1097799 VOICE: (501) 843-3575 FAX: (501) 843-0463 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 Home Lenders of Arkansas, Inc. Community Insurance Agency, Inc. Community Financial Solutions, Inc. Cabot, AR Cabot, AR Cabot, AR Ward, AR Harrell Bancshares, Inc. Camden, AR RSSD Number: 2352196 VOICE: (870) 837-8300 FAX: (870) 837-8310 Chm/CEO: Searcy W. Harrell, Jr. Pres: Jonathan W. Harrell Subsidiaries: First Bank of South Arkansas Calhoun County Bank 1325 Hwy. #4 Bypass P. O. Box 10 71701 Sec: Phillip J. Foster Camden, AR Hampton, AR Eighty-Sixth Report 133 Sharp Bancshares, Inc. Cave City, AR RSSD Number: 1099663 VOICE: (870) 283-5301 FAX: (870) 283-6466 133 South Main P. O. Box 490 72521-0490 Chm: Eugene Street VChm: Samuel F. Beller Pres: Margie Pettersen Treas/Sec: Dennis Esteb Subsidiaries: Bank of Cave City Cave City Properties, Inc. Bank of Evening Shade "As Old As Dirt" Cave City, AR Cave City, AR Evening Shade, AR Evening Shade, AR 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: James B. Sharp 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 Chm: John W. Allison Subsidiaries: First State Bank 719 Harkrider Street, 3rd Floor P. O. Box 966 72032 VChm: Robert H. Adcock Conway, AR Arkansas State Bank Department 134 Evergreen Bancshares, Inc. Crossett, AR RSSD Number: 1134797 VOICE: (870) 364-5131 FAX: (870) 364-6329 310 Main Street P. O. Box 638 71635-0638 CEO/Pres: Richard E. Griffin Subsidiaries: First State Bank Crossett, AR 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 Bank of Amity Chambers Bank First Arkansas Valley Bank The Scott County Bank River Valley Appraisal Fayetteville, AR Elkins, AR Amity, AR Danville, AR Russellville, AR Waldron, 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 Eighty-Sixth Report 135 Decatur Bancshares, Inc. Decatur, AR RSSD Number: 1845619 VOICE: (501) 752-3281 FAX: (501) 752-8154 Hwy. 59 North P. O. Box 38 72722-0038 Chm: Lloyd E. Peterson CEO/Pres: Vernon L. Austin Subsidiaries: Decatur State Bank Decatur Insurance Agency Decatur, AR Decatur, AR 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: Art Melson Subsidiaries: First State Bank of DeQueen 310 North Third P. O. Box 970 71832-0970 CEO/Pres: Keith Melson DeQueen, AR Arkansas State Bank Department 136 First Service Bancshares, Inc. Dermott, AR RSSD Number: 1137266 VOICE: (870) 538-3221 FAX: (870) 538-3246 114 East Peddicord P. O. Box 800 71638-0815 CEO/Pres: Tom H. Grumbles Treas/Sec: Daniel C. Horton Subsidiaries: First Service Bank Greenbrier, AR DBT Financial Corporation DeWitt, AR RSSD Number: 1139176 VOICE: (870) 946-3531 FAX: (870) 946-2815 Chm: Elmer A. Ferguson Pres: Nancy F. Rasco Second and Jefferson Streets P. O. Drawer 71 72042-0071 Sec: Gary Hudson Subsidiaries: DeWitt Bank And Trust Company DBT Realty Company, Inc. DeWitt, AR DeWitt, AR DeWitt First Bankshares Corporation DeWitt, AR RSSD Number: 1099243 VOICE: (870) 946-3551 FAX: (870) 946-1562 Chm: Georgea B. McKinley Subsidiaries: The First National Bank of DeWitt Bank of Lockesburg 220 West Cross P. O. Box 511 72042-0511 CEO/Pres: Warren A. Jennings, Sr. DeWitt, AR Lockesburg, AR Eighty-Sixth Report 137 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 130 West Waterman P. O. Box 187 71639-0187 EVP: David J. Garrett Treas/Sec: Betty B. Trites Subsidiaries: Merchants & Farmers Bank Dumas, AR First Financial Banc Corporation El Dorado, AR RSSD Number: 2568102 VOICE: (870) 863-7000 FAX: (870) 881-5393 CEO/Pres: J. Stephen Cameron Subsidiaries: First Financial Bank 214 North Washington Street P. O. Box 1754 71730-1754 Sec: J. S. Brooks El Dorado, AR Arkansas State Bank Department 138 First United Bancshares, Inc. El Dorado, AR RSSD Number: 1096439 VOICE: (870) 863-3181 FAX: (870) 863-0015 Main @ Washington P. O. Box 751 71731-0751 Chm/CEO/Pres: James V. Kelley SVP/CFO/Sec: John G. Copeland VP: Jim Barnes VP: Richard E. Ulmer Subsidiaries: Merchants and Planters Bank, N.A. The First National Bank of El Dorado The City National Bank of Fort Smith The Citizens National Bank of Hope First Bankers Insurance Services, LLC First National Bank of Magnolia The Bank of North Arkansas First United Bank First United Trust Company, N.A. Camden, AR El Dorado, AR Fort Smith, AR Hope, AR Lewisville, AR Magnolia, AR Melbourne, AR Stuttgart, 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 England, AR Eighty-Sixth Report 139 Community Investment, Inc. Fayetteville, AR RSSD Number: 1099524 VOICE: (501) 973-2265 FAX: (501) 973-2201 1685 East Joyce Blvd. 72703 Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm: H. Phil Phillips, Jr. CEO: Robert Y. Taylor Pres: Chris M. Wewers Subsidiaries: Community Bank of North Arkansas Elkins, AR FBT Bancshares, Inc. Fordyce, AR RSSD Number: 1099092 VOICE: (870) 352-3107 FAX: (870) 352-5202 Chm/CEO/Pres: James V. Hulse, Jr. EVP/Sec: Suzette Crutchfield Subsidiaries: Fordyce Bank & Trust Company 200 West 4th Street 71742-2202 SVP/Treas: Wanda Smurl Fordyce, AR Arkansas State Bank Department 140 First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (501) 782-2041 FAX: (501) 788-4602 602 Garrison Avenue P. O. Box 7 72902-0007 CEO/Pres: Samuel M. Sicard EVP: Mont S. Echols, Jr. Sec: Elizabeth A. Echols Subsidiaries: Vista Bancorporation Citizens Bank & Trust Company PMF, Inc. The First National Bank of Fort Smith Realty Appraisals, Inc. Van Buren, AR Van Buren, AR Van Buren, AR Fort Smith, AR Fort Smith, AR Planters & Merchants Bancshares, Inc. Gillett, AR RSSD Number: 1491511 VOICE: (870) 548-2211 FAX: (870) 548-2213 210 West Main P. O. Box 357 72055-0357 Chm: Frank C. Wolfe CEO/Pres: Larry E. Bauer Subsidiaries: Planters & Merchants Bank P & M Real Estate, Inc. Gillett, AR Gillett, AR Bainum Bancorp Glenwood, AR RSSD Number: 1399792 VOICE: (870) 356-2121 FAX: (870) 356-2211 Chm/CEO/Pres: Timothy Bainum VP: Evea J. Bainum Subsidiaries: Arkansas Diamond Bank Broadway & Pulliam P. O. Box O 71943-0813 VP: Harold A. Smith Treas/Sec: Lynda Robbins Glenwood, AR Eighty-Sixth Report 141 Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (501) 996-4171 FAX: (501) 996-6700 125 West Center Street P. O. Box 610 72936-0610 Chm: Elizabeth Wilkinson CEO/Pres: Edward Wilkinson Subsidiaries: Farmers Bank Greenwood, AR Community First Bancshares, Inc. Harrison, AR RSSD Number: 2754585 VOICE: (870) 391-8000 FAX: (870) 391-8025 200 East Ridge P. O. Box 1700 72602-1700 Chm/CEO/Pres: William King Gladden Subsidiaries: Community First Bank Harrison, AR 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. Subsidiaries: Bank of Blevins The First National Bank of Hope The First National Bank of Lewisville VP: Charles E. Sharpe, Jr. Blevins, AR Hope, AR Lewisville, AR Arkansas State Bank Department 142 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: Wilburn Smith Subsidiaries: Horatio State Bank Horatio, AR Alliance Bancorporation, Inc. Hot Springs, AR RSSD Number: 2640400 VOICE: (501) 318-1001 FAX: (501) 318-1015 100 Werner Drive P. O. Box 22000 71903 Chm/Pres: David L. Bartlett VChm: Ronnie Twyford VP: Joyce Richardson Sec: Cindy Baswell Subsidiaries: Alliance Bank of Hot Springs Hot Springs, AR Smith Associated Banking Corporation Hot Springs, AR RSSD Number: 1098004 VOICE: (501) 623-4292 FAX: (501) 623-4688 1801 Central Avenue, Suite B 71901 Chm/CEO/Pres: Richard T. Smith Subsidiaries: Bank of Salem SABCO Insurance Agency The Stephens Security Bank Security Mortgage Services Ouachita County Properties, Inc. Stephens Security Insurance Agency Salem, AR Salem, AR Stephens, AR Hot Springs, AR Stephens, AR Stephens, AR Eighty-Sixth Report 143 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 144 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: Dr. 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 2506 Southwest Circle P. O. Box 5040 72403-5040 Treas: Chris Puryear Sec: Shirley Bronaugh Jonesboro, AR Eighty-Sixth Report 145 Walden/Smith Financial Group, Inc. Jonesboro, AR RSSD Number: 1491502 VOICE: (870) 892-4121 FAX: (870) 892-8251 3712 East Highland 72401 Chm/CEO: Frank E. Walden VChm/Sec: Lindley V. Smith, Jr. Pres: Mary Florence Walden Subsidiaries: First Community Bank Bank of Tuckerman Pocahontas, AR Tuckerman, AR 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 Subsidiaries: Pine State Bank Kingsland, AR Southeast Arkansas Bank Corporation Lake Village, AR RSSD Number: 1137033 VOICE: (870) 265-2241 FAX: (870) 265-2125 Chm: Charles H. Weissinger, Jr. CEO/Pres: Terence J. Alpe Subsidiaries: The Bank of Lake Village BLV Realty, Inc. The Jefferson Bank of Fayette 201 Main Street P. O. Box 727 71653-0727 VChm: Ned Mazzanti Atty: David F. Gillison, Jr. Lake Village, AR Lake Village, AR Fayette, MS Arkansas State Bank Department 146 Little River Bancshares, Inc. Lepanto, AR RSSD Number: 2463391 VOICE: (870) 475-2306 FAX: (870) 475-3070 202 Greenwood Avenue P. O. Box 340 72454-0340 Pres: Grady Watkins Sec: Henry Watkins Subsidiaries: Little River Bank Lepanto, AR Arkansas Bankers' Bancorporation, Inc. Little Rock, AR RSSD Number: 1491650 VOICE: (501) 371-0535 FAX: (501) 375-2281 1008 West Second Street 72201-2031 Chm: Lindley V. Smith, Jr. CEO/Pres: Bill B. May 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 Chm/CEO: George G. Gleason, II VChm: James Patridge Subsidiaries: Bank of the Ozarks 12615 Chenal Parkway P. O. Box 8811 72231-8811 Pres: Mark D. Ross CFO: Paul Moore Little Rock, AR Eighty-Sixth Report 147 Capital Bancshares, Inc. Little Rock, AR RSSD Number: 2777016 VOICE: (501) 228-6000 FAX: (501) 228-6006 12224 Chenal Parkway P. O. Box 8210 72211 Chm: Boyd Rothwell Pres: Joseph B. Ford VP: Bonnie Crocheron Subsidiaries: The Capital Bank CB Insurance & Financial Services, Inc. Little Rock, AR Little Rock, AR Delta Trust & Banking Corporation Little Rock, AR RSSD Number: 2834115 VOICE: (501) 907-2295 FAX: (501) 907-2294 401 West Capitol, Suite 505 72201 Chm/CEO: J. French Hill Pres: Thomas R. Pugh, Jr. Subsidiaries: Delta Trust & Bank Delta Trust Investments, Inc. Moore Mortgage Company I, Inc. Delta Trust Insurance Agency, Inc. Parkdale, AR Little Rock, AR Little Rock, AR Parkdale, AR First Community Banking Corporation Little Rock, AR RSSD Number: 1100176 VOICE: (501) 376-2128 FAX: (501) 374-1968 Chm: G. R. Mosley CEO/Pres: Daniel C. Horton Subsidiaries: Caddo Holding Company, Inc. First National Bank First National Bank in Mena First Bank of Montgomery County 300 Spring Building, Suite 1010 72201-2449 Sec: Melvin L. Simpson Glenwood, AR Hot Springs, AR Mena, AR Mount Ida, AR Arkansas State Bank Department 148 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 200 North State Street P. O. Box 34090 72203 Chm/CEO: Eugene L. Maris Pres: George G. Worthen SVP/Cash: Lee A. Swearingen Subsidiaries: Bank of Little Rock Little Rock, AR Madison Corporation Little Rock, AR RSSD Number: 1142466 VOICE: (501) 680-0576 FAX: (501) 663-7229 Chm/CEO/Pres: Roland Willshire Subsidiaries: Madison Bank and Trust 1813 North Spruce 72207 VP/Treas/Sec: Rose Willshire Kingston, AR Eighty-Sixth Report 149 OneFinancial Corporation Little Rock, AR RSSD Number: 2571269 VOICE: (501) 370-4400 FAX: (501) 370-4573 300 West Capitol Avenue P. O. Box 34113 72201 Chm/CEO/Pres: Layton P. Stuart EVP: Michael F. Heald EVP: Gary A. Rickenboch Subsidiaries: One Bank & Trust The Fentress Corporation Little Rock, AR Little Rock, AR Pinnacle Bancshares, Inc. Little Rock, AR RSSD Number: 2503597 VOICE: (501) 614-5000 FAX: (501) 614-5005 CEO/Pres: Robert M. Althoff EVP: W. Dabbs Cavin Subsidiaries: Pinnacle Bank 2610 Cantrell Road P. O. Box 8120 72202 SVP/CFO: Thomas C. Evans Little Rock, AR Arkansas State Bank Department 150 Pulaski Investment Corporation Little Rock, AR RSSD Number: 1095423 VOICE: (501) 661-7700 FAX: (501) 661-7357 5800 R Street P. O. Box 7299 72217-7299 Chm: James C. East CEO/VChm: J. Hunter East Pres/CFO: Robert C. Magee Subsidiaries: Pulaski Bank And Trust Company Northwest Title Services, Inc. Directors Properties, Inc. Lenders Title Company Pulaski Building, Inc. Pulaski Mortgage Company Pulaski Mortgage Services, Inc. Pulaski Services, Inc. Little Rock, AR Fayetteville, 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: Merchants & Planters Bank Riverside Mortgage Co. 2222 Cottondale Lane, Suite 240 P. O. Box 7663 72202 Sec: David Matchet Sparkman, AR Little Rock, AR Eighty-Sixth Report 151 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/Pres: David R. Estes 101 South Center Street P. O. Box 320 72086-0320 Sec: Karen K. Hardke Subsidiaries: First State Bank of Gurdon First State Bank First State Land Co., Inc. Gurdon, AR Lonoke, AR Lonoke, AR Golden Oaks Bancshares, Inc. Magnolia, AR RSSD Number: 1098684 VOICE: (870) 234-5777 FAX: (870) 234-3384 500 North Jackson Street P. O. Box 340 71754-0340 CEO: Harold H. Fincher Subsidiaries: The Peoples Bank Magnolia, AR Arkansas State Bank Department 152 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: Steve Keith VP/Treas/Sec: Bruce D. Maloch 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: W. Henry McClure 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 Eighty-Sixth Report 153 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 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. Tyronza, 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 Arkansas State Bank Department 154 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: James M. Smith Sec: John H. Potter, Jr. Subsidiaries: McGehee Bank McGehee Realty 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 Eighty-Sixth Report 155 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 Arkansas State Bank Department 156 TrustBanc Financial Group, Inc. Mountain Home, AR RSSD Number: 2889197 VOICE: (870) 424-4100 FAX: (870) 525-4144 P. O. Box 2130 72654-2130 Pres: Phillip H. Young 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, AR Acme Holding Company, Inc. Mulberry, AR RSSD Number: 1140556 VOICE: (501) 977-1154 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 Subsidiaries: Bank of Mulberry FSB Mortgage Company, Inc. Mulberry, AR Little Rock, AR Eighty-Sixth Report 157 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 Subsidiaries: Acme Holding Company, Inc. Bank of Mulberry FSB Mortgage Company, Inc. Mulberry, AR Mulberry, AR Little Rock, 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 D. 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. VP: Terry Dillon Subsidiaries: Greers Ferry Lake State Bank Merchants & Planters Bank Preferred Choice Financial Services, Inc. Second and Hazel Streets P. O. Box 550 72112-0550 Treas: Pat McFarland Sec: Carla P. Stiger Heber Springs, AR Newport, AR Newport, AR Arkansas State Bank Department 158 North Little Rock Bancshares North Little Rock, AR RSSD Number: 2891819 VOICE: (501) 812-1400 FAX: (501) 812-1499 2925 Lakewood Village Drive P. O. Box 16270 62116 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: Frank G. Wallace Parkin, AR Eighty-Sixth Report 159 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: The Perry County Bank Perryville, AR Piggott Bankstock, Inc. Piggott, AR RSSD Number: 1098321 VOICE: (870) 598-3802 FAX: (870) 598-2026 212 West Cherry Street P. O. Box 307 72454-0307 Chm/CEO/Pres: Paula O. Blackwell Subsidiaries: Piggott State Bank Piggott, AR Arkansas State Bank Department 160 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 Arkansas Fund, Inc. Simmons First Bank of Northwest Arkansas Simmons First Bank of Russellville Simmons First Bank of Searcy Simmons First Capital Trust Simmons First Trust Company 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 Pine Bluff, AR Clement Bancshares, Inc. Plainview, AR RSSD Number: 1096448 VOICE: (501) 272-4221 FAX: (501) 272-4154 Chm: John Clement CEO/Pres: Charles Blanchard Subsidiaries: First State Bank Nimrod Real Estate, Inc. 200 Main Street P. O. Box 277 72857-0277 VP: Don Guess Treas/Sec: Gary Bollan Plainview, AR Plainview, AR Eighty-Sixth Report 161 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 Arkansas State Bank Department 162 First State Holding Company of Prescott Prescott, AR RSSD Number: 1096475 VOICE: (870) 887-2688 FAX: (870) 887-6822 East 2nd at Main Drawer 490 71857-0490 Bank Holding Company Prescott Bancshares, Inc., Prescott, AR Pres: John Warren Brannan, Jr. VP: James E. Franks Sec: Faith Beavert 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: Faith Beavert 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 N. Dixieland P. O. Box 699 72757 SVP: Scott Franklin VP: Pam Evans Rogers, AR Eighty-Sixth Report 163 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 R. 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 and Associates, Inc. Mountain Home, AR Mountain Home, AR Mountain Home, AR Clarksville, AR Conway, AR Searcy, AR Searcy, AR Little Rock, AR Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 CEO/Pres: Bob Willett SVP: J. Drew Tennyson Subsidiaries: Smackover State Bank 708 North Broadway P. O. Box 107 71762-0107 SVP: James B. Yeager VP: Vicki Davis Smackover, AR Arkansas State Bank Department 164 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 Pres: 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 The Farmers and Merchants Bankshares, Inc. Stuttgart, AR RSSD Number: 1099672 VOICE: (870) 673-6911 FAX: (870) 673-6918 Chm: Roy O. McCollum, III Subsidiaries: The Farmers and Merchants Bank 708 South Main P. O. Drawer 947 72160-0947 CEO/Pres: Don Pattillo Stuttgart, AR Eighty-Sixth Report 165 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 104 South Main Street P. O. Box 29 71671-0029 VChm: Bennie F. Ryburn, Jr. Subsidiaries: First State Bank of Warren Warren, AR Cross County Bancshares, Inc. Wynne, AR RSSD Number: 1131611 VOICE: (870) 238-8171 FAX: (870) 238-4052 Chm: Dr. Willard G. Burks CEO/Pres: Ken McClanahan Subsidiaries: Cross County Bank 1 Cross County Plaza P. O. Box 9 72396-0009 Treas/Sec: Andrea Murray Pierron Wynne, AR 166 Arkansas State Bank Department Mountain Bancshares, Inc. Yellville, AR RSSD Number: 1098367 VOICE: (870) 449-4231 FAX: (870) 449-4866 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-Sixth Report OUT OF STATE BANK HOLDING COMPANIES AND THEIR ARKANSAS SUBSIDIARIES JUNE 30, 2000 Arkansas State Bank Department 168 Delta Bancshares of Louisiana, Inc. Oak Grove, LA RSSD Number: 2806662 VOICE: (318) 428-8388 FAX: (318) 428-8338 Chm/Pres: Charles F. Poole VChm: W. K. Grubbs, Sr. 600 East Main Street P. O. Box 1008 71263 Sec: Gene Keith Subsidiaries: The Eudora Bank Eudora, AR Security State Bancshares, Inc. Charleston, MO RSSD Number: 1248573 VOICE: (573) 683-3712 FAX: (573) 683-6235 CEO/Pres: Don Burnett Subsidiaries: Bank of Paragould 101 South Main P. O. Box 99 63834 Sec: Clayton Vandivort Paragould, AR Eighty-Sixth Report ABBREVIATIONS Chm: CEO: VChm: Pres: EVP: SVP: CAO: CFO: COO: AdmVP: EO: VP: SLO: Cash: Cont: AVP: Aud: TO: ATO: Treas: Sec: 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 169 170 Arkansas State Bank Department NOTES Eighty-Sixth Report NOTES 171 172 Arkansas State Bank Department NOTES
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