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REPORT OF THE BANK COMMISSIONER OF ARKANSAS 2004 MIKE HUCKABEE Governor ROBERT H. “BUNNY” ADCOCK, JR. Bank Commissioner Ninetieth Report NINETIETH ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2004 Ninetieth Report STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2004 Honorable Mike Huckabee Governor of Arkansas Little Rock, Arkansas Governor Huckabee: I am pleased to submit to you the Ninetieth 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, 2004. The financial services industry continues to undergo change. Arkansas state chartered banks and trust companies continue to successfully meet the challenges of change and offer excellent financial services to the public. The State Bank Department maintains a Strategic Plan, which the Department’s employees develop on an annual basis. The mission of the State Bank Department is to allocate available human and other resources existing in our Examination, Information Technology and Administrative Services Divisions to ensure the continuance of safe and sound financial practices in state chartered financial institutions. We thank you for the support you and your staff provide and assure you of our continuing efforts to maintain the highest level of professionalism in the performance of our responsibilities. Cordially, Bunny Adcock Bank Commissioner Ninetieth 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/ State Chartered Banks Merged.................................................................................................................. 9 Financial Institutions Merged/Purchased and Assumed ............................................................................ 10 New Branches Approved ............................................................................................................................ 11 Subchapter S Corporation Banks................................................................................................................ 15 Fiscal Report of The Bank Department....................................................................................................... 16 Federal Supervisory Agencies .................................................................................................................... 17 Trade Associations ...................................................................................................................................... 21 Consolidated Report of Condition Data State Chartered Banks ............................................................................................................................. 25 Consolidated Statement of State Chartered Trust Departments ......................................................................................................... 26 Consolidated Report of Condition Data National Banks .......................................................................................................................................... 27 Tier One Leverage Ratios For All Arkansas Commercial Banks ................................................................................................................... 28 National Banks ............................................................................................................................................. 33 Report of State Chartered Commercial Banks ........................................................................................... 35 Report of State Chartered Non-Profit Organization.................................................................................... 99 Report of State Chartered Trust Companies ............................................................................................ 101 Report of Regional/County Industrial Development Corporations ........................................................... 103 Report of Capital Development Company ................................................................................................ 107 Commercial Banks Listed by County ........................................................................................................ 109 Map of Arkansas Counties ........................................................................................................................ 115 Arkansas Bank Holding Companies ......................................................................................................... 117 Out of State Bank Holding Companies ..................................................................................................... 155 Abbreviations ............................................................................................................................................. 157 2 Arkansas State Bank Department LEGAL HOLIDAYS New Year's Day......................................................................................... January 1 Robert E. Lee's Birthday ...................................................Third Monday in January Martin Luther King, Jr. Day ...............................................Third Monday in January Presidents Day ................................................................ Third Monday in February Memorial Day ........................................................................... Last Monday in May Independence Day ...........................................................................................July 4 Labor Day ......................................................................First Monday in September Veterans Day....................................................................................... November 11 Thanksgiving Day..................................................... Fourth Thursday in November Christmas Eve ..................................................................................... December 24 Christmas Day..................................................................................... December 25 All Bills of Exchange, Drafts, or Promissory Notes, which shall become payable on a legal holiday shall be payable on the day next succeeding such holiday. In case any legal holiday falls on Sunday, the next succeeding Monday shall be a holiday in its stead. Ninetieth Report 3 COMMISSIONERS OF THE ARKANSAS STATE BANK DEPARTMENT Date of Appointment Date Service Ended No. Name 1. John M. Davis.............................. October 6, 1913 October 3, 1918 2. A. J. Reap .................................... October 3, 1918 March 22, 1919 3. W. T. Maxwell ............................... March 22, 1919 September 1, 1921 4. Charles McKee....................... September 1, 1921 July 28, 1925 5. Loid Rainwater..................................July 28, 1925 February 8, 1927 6. Walter E. Taylor..........................February 8, 1927 January 10, 1933 7. Marion Wasson ......................... January 10, 1933 January 12, 1937 8. Grover S. Jernigan .................... January 12, 1937 January 14, 1941 9. Thomas W. Leggett................... January 14, 1941 February 1, 1949 10. S. J. Dean ...................................February 1, 1949 December 31, 1949 11. Ed. I. McKinley, Jr. ................ December 31, 1949 March 14, 1953 12. A. R. Merritt................................... March 14, 1953 February 8, 1955 13. Dick Simpson..............................February 8, 1955 March 2, 1967 14. H. C. Adams ................................... March 3, 1967 March 16, 1979 15. Don R. Clark (Acting) ................... March 16, 1979 April 19, 1979 16. B. J. Lambert, Jr. ............................. April 19, 1979 April 15, 1983 17. Marlin D. Jackson............................ April 15, 1983 October 1, 1987 18. Bill J. Ford.................................... October 1, 1987 July 31, 1998 19. Frank White ...................................August 1, 1998 May 21, 2003 20. Bunny Adcock ................................ June 23, 2003 ............ Arkansas State Bank Department 4 STATE BANKING BOARD MEMBERS Mr. Gus Rusher Chairman Bank of Brinkley P.O. Box 727 Brinkley, AR 72021-0727 VOICE: (870) 734-3133 FAX: (870) 734-3001 TERM EXPIRES: 12-31-05 Mr. Charles Mazander Vice Chairman P.O. Box 945 Benton, AR 72018-0945 VOICE: (501) 847-3030 FAX: (501) 847-4409 TERM EXPIRES: 12-31-06 Mr. David L. Bartlett Simmons First Bank of Hot Springs P.O. Box 22000 Hot Springs, AR 71913 VOICE: (501) 318-1001 FAX: (501) 318-1015 TERM EXPIRES: 12-31-04 Mr. Richard Mays 415 Main Street Little Rock, AR 72201 VOICE: (501) 227-9511 FAX: (501) 399-9280 TERM EXPIRES: 12-31-08 Ms. Margie Russ 1505 Harper Street Magnolia, AR 71753 VOICE: (870) 234-6291 TERM EXPIRES: 12-31-08 Mr. David Short Arvest Bank P.O. Box 1229 Bentonville, AR 72712 VOICE: (479) 273-3331 FAX: (479) 271-1315 TERM EXPIRES: 12-31-08 Ninetieth Report Arkansas State Bank Department 400 Hardin Road, Suite 100 Little Rock, AR 72211-3502 VOICE: (501) 324-9019 FAX: (501) 324-9028 http://www.accessarkansas.org/bank DEPARTMENTAL ROSTER Bunny Adcock - Bank Commissioner Don R. Clark − Deputy Bank Commissioner Examination and Regulation Regulatory Enforcement Actions 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) Michael Saunders – Regional Supervisor (Fayetteville) Robert H. Carr III − Information Systems Supervisor H. Wilks Marshall − Assistant Chief Examiner Carolyn J. Bearden − Bank Holding Company Supervisor Thomas M. Narrell − Trust/Compliance Supervisor Baker L. Moseley − Regional Supervisor (Jonesboro) 5 Arkansas State Bank Department 6 Jacqueline Williams-Financial Analyst Supervisor Richard Plotkin − Financial Analyst Gregg Qualls – Financial Analyst Susannah Thomas – 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 Consumer Complaints Janet Griebel – Director of Training Training/Orientation/Education Administrative Support Quality Management INFORMATION TECHNOLOGY Robert L. Hughes - Director Mitch L. Vire - Sr. Systems Programmer Greg F. Langley - Sr. Systems Programmer Data Processing Support Research and Development Application Programming ADMINISTRATION DIVISION Gail Green - Fiscal Manager Vicki A. Wise - Accounting Service Representative Il Kelley A. Kelley – Accounting Service Representative I Accounting and Employee Services Expense Disbursement Budget and Personnel Performance Evaluation Purchasing Cynthia L. Nixon - Management Project Analyst Supervisor Lori A. Morrison - Administrative Assistant III Marilyn R. Myers - Administrative Assistant II Jane R. English - Administrative Assistant II Martha A. Harris - Administrative Assistant Il Barbara A. Mahoney - Administrative Assistant II Kimberly A. Brown – Administrative Assistant I Administrative Support Examination Support and Processing Data Entry Ninetieth Report EXAMINATION PERSONNEL FAYETTEVILLE OFFICE 2013 Green Acres Road 72703-2618 P. O. Box 3447 72702-3447 VOICE: (479) 442-0936 FAX: (479) 442-0717 Fayetteville@banking.state.ar.us Michael Saunders − Regional Supervisor Luke B. Webre − Commissioned Senior Examiner Ben Bigger III – Commissioned Senior Examiner Kelly Victory – Bank Senior Examiner Cara K. Lank – Bank Senior Examiner Joseph M. Payne – Bank Senior Examiner Kevin Adams – Bank Senior Examiner Charles Moneymaker – Bank Senior Examiner Dana S. Kombrink – Bank Senior Examiner Jared Manatt – Financial Examiner I Jacklyn B. Grobmyer – Financial Examiner Trainee JONESBORO OFFICE 924 South Main 72401-3597 P. O. Box 9374 72403-9374 VOICE: (870) 972-1744 FAX: (870) 972-1762 Jonesboro@banking.state.ar.us Baker L. Moseley − Regional Supervisor William R. Milum − Bank Senior Examiner Gary W. Bush − Commissioned Senior Examiner Misty Micenhamer – Commissioned Senior Examiner John Householder – Commissioned Senior Examiner John W. Alderson – Bank Senior Examiner Trent H. Brown – Bank Senior Examiner Shaun Perkins – Financial Examiner II Chris Dillon – Financial Examiner I W. Kent Darr – Financial Examiner Trainee 7 8 Arkansas State Bank Department LITTLE ROCK OFFICE Richard D. Buzbee − Regional Supervisor Jerry C. Corrothers − Commissioned Senior Examiner Robert M. Henry − Commissioned Senior Examiner Michael Green – Bank Senior Examiner Kevin C. Mosley – Bank Senior Examiner Trey Clark – Bank Senior Examiner Thomas Cook – Bank Senior Examiner Carey Sharp – Bank Senior Examiner Shanna Raper – Financial Examiner I Craig Mobley – Financial Examiner I Evelyn M. Miles – Financial Examiner Trainee David J. Raymond – Financial Examiner Trainee BANK HOLDING COMPANY Carolyn J. Bearden − BHC Supervisor Mary C. Pennebaker – Commissioned Senior Examiner John W. Ashby – Commissioned Senior Examiner TRUST/COMPLIANCE Thomas M. Narrell - Trust/Compliance Supervisor Jason E. Willard - Commissioned Senior Examiner Jamie A. Bazarow – Bank Senior Examiner Heather Vaughan – Bank Senior Examiner INFORMATION SYSTEMS Robert H. Carr, III - IS Supervisor Ronnie Peters – Commissioned Senior DP Examiner Jeffrey Cameron - Commissioned Senior DP Examiner Kish Ivey – Financial Examiner I Ninetieth Report STATE CHARTERED BANKS' CORPORATE NAME CHANGES BANK NEW NAME Farmers Bank and Trust Company Clarksville First Security Bank of Clarksville Clarksville The Cleburne County Bank Heber Springs First Team Bank* Heber Springs *Effective July 23, 2004 Alliance Bank of Hot Springs Hot Springs Simmons First Bank of Hot Springs Hot Springs First State Bank Huntsville First State Bank of Northwest Arkansas Huntsville Portland Bank Portland Parkway Bank Portland STATE CHARTERED BANKS MERGED FROM JULY 1, 2003, TO JUNE 30, 2004 BANK MERGED INTO MidSouth Bank Jonesboro Liberty Bank Jonesboro Peoples Bank Paragould Liberty Bank Jonesboro Bank of Yellville Yellville Arvest Bank Fayetteville 9 Arkansas State Bank Department 10 FINANCIAL INSTITUTION MERGED INTO STATE CHARTERED BANK FROM JULY 1, 2003, TO JUNE 30, 2004 INSTITUTION MERGED INTO Superior Bank, FSB Fort Smith, AR Arvest Bank Fayetteville Sun Bank Frisco, TX Bank of the Ozarks Little Rock FINANCIAL INSTITUTIONS PURCHASED AND ASSUMED JULY 1, 2003, TO JUNE 30, 2004 INSTITUTION ACQUIRED BY Madison Bank and Trust Fort Smith, AR First National Bank Green Forest, AR The First National Bank of Springdale Springdale, AR First Security Bank Searcy Ninetieth Report 11 BRANCHES APPROVED FROM JULY 1, 2003, TO JUNE 30, 2004 BANK LOCATION Summit Bank Arkadelphia 1114 Highway 35 North Benton Summit Bank Arkadelphia 1303 North Hervey Hope Summit Bank Arkadelphia 1540 Airport Road, Suite A Hot Springs First Community Bank Batesville 102 South Main Street Cave City Community Bank Cabot 3195 Bill Foster Memorial Highway Cabot First Security Bank of Conway Conway 112 Volunteer’s Parkway Clinton First Security Bank of Conway Conway 1137 Main Street Vilonia Timberland Bank El Dorado 1615 West Hillsboro El Dorado Arvest Bank Fayetteville 606 West Main Cabot Arvest Bank Fayetteville 104B War Eagle Huntsville Arvest Bank Fayetteville 4302 West Olive Street Rogers Arvest Bank Fayetteville 2730 Highway 412 East Siloam Springs Arvest Bank Fayetteville 2203 North Highway 81 Duncan, OK Arvest Bank Fayetteville 1900 South Douglas Boulevard Midwest City, OK 12 Arkansas State Bank Department BANK LOCATION Arvest Bank Fayetteville 7633 East 63rd Place, Suite 255 Tulsa, OK Arvest Bank Fayetteville 10615 East 81st Street Tulsa, OK First Service Bank Greenbrier HC 75/Highway 65 North Marshall Greers Ferry Lake State Bank Heber Springs 1500-A Highway 25 Bypass Heber Springs Community First Trust Company Hot Springs 650 South Shackleford, Suite 124 Little Rock First Arkansas Bank & Trust Jacksonville 3097 Highway 5 El Paso First Arkansas Bank & Trust Jacksonville 4450 East McCain Boulevard North Little Rock Liberty Bank of Arkansas Jonesboro 2500 Linwood Drive Paragould Bank of the Ozarks Little Rock 1700 Military Road Benton Bank of the Ozarks Little Rock 3091 South Second Street Cabot Bank of the Ozarks Little Rock 1104 East Oak Street Conway Bank of the Ozarks Little Rock 19301 Cantrell Road Little Rock Bank of the Ozarks Little Rock 101 North Rodney Parham Road Little Rock Bank of the Ozarks Little Rock 801 South College, Suite 1 Mountain Home Bank of the Ozarks Little Rock 3640 Camp Robinson Road North Little Rock Bank of the Ozarks Little Rock 4420 East McCain Boulevard North Little Rock Ninetieth Report BANK LOCATION Bank of the Ozarks Little Rock 2305 East Parkway Russellville Bank of the Ozarks Little Rock 8718 Highway 107 Sherwood Bank of the Ozarks Little Rock 4 South 15th Street Van Buren Eagle Bank & Trust Company Little Rock Maumelle Boulevard and Vestal Boulevard North Little Rock Pulaski Bank And Trust Company Little Rock 10900 Colonel Glenn Road Little Rock Pulaski Bank And Trust Company Little Rock 4415 East McCain Boulevard North Little Rock Southern State Bank Malvern Junction Highways 67 & 229 Haskell First Community Bank of Eastern Arkansas Marion 1103 North Missouri Street West Memphis Twin City Bank North Little Rock 718 Broadway Little Rock Twin City Bank North Little Rock 5100 Kavanaugh Boulevard Little Rock Twin City Bank North Little Rock 2922 South University Little Rock Twin City Bank North Little Rock 4514 Camp Robinson Road North Little Rock Bank of Paragould Paragould 2900 Highway 49 South Paragould Southern Bank of Commerce Paragould 100 North Main Leachville First Arkansas Valley Bank Russellville 1000 South Rogers Clarksville 13 14 Arkansas State Bank Department BANK LOCATION First Arkansas Valley Bank Russellville 1302 North Business Highway 9 Morrilton First Arkansas Valley Bank Russellville 3601 East Race Street Searcy Simmons First Bank of Russellville Russellville 1320 West Main Street Clarksville Bank of Salem Salem 465 West Main Mammoth Spring First Security Bank Searcy 521 President Clinton Avenue Little Rock First Security Bank Searcy 300 West Monroe Lowell First Security Bank Searcy 3333 Pinnacle Hills Parkway Rogers Smackover State Bank Smackover 602 South Timberlane El Dorado Ninetieth Report 15 STATE CHARTERED SUBCHAPTER S CORPORATION BANKS BANK CITY Bank of Bearden Bearden Bank of Brinkley Brinkley Chambers Bank Danville Decatur State Bank Decatur First State Bank of DeQueen DeQueen First Financial Bank El Dorado Arkansas Diamond Bank Glenwood Bank of Gravett Gravette First Arkansas Bank & Trust Jacksonville Little River Bank Lepanto Farmers Bank and Trust Company Magnolia The Peoples Bank Magnolia The Union Bank of Mena Mena Bank of Mountain View Mountain View Allied Bank Mulberry Diamond State Bank Murfreesboro Chart Bank Perryville Bank of Pocahontas Pocahontas The Bank of Rison Rison Riverside Bank Sparkman Bank of Star City Star City 16 Arkansas State Bank Department The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 2003 through June 30, 2004. RECEIPTS Cash Balance June 30, 2003...................................................... $2,053,704.60 Examination and Assessment Fees ........................6,063,291.57 Charter and Amendment Fees .....................................31,631.50 Application and all Protest Fees .................................183,675.00 Miscellaneous Fees ........................................................ 3,677.90 Reimbursement for M & R Sales .................................... 9,529.68 Refund to Expenditures − Prior Year .............................. 2,015.54 Refund to Expenditures − Current Year ......................... 7,005.35 Total Receipts 6,300,826.54 $8,354,531.14 DISBURSEMENTS Salaries.....................................................................3,627,498.84 Extra Help Salaries.......................................................... 3,619.00 Maintenance and General Operations........................945,778.55 S.S., Retirement and Insurance Matching ...................................................................906,388.13 Professional Services and Fees ...................................69,089.55 Conference Fees and Travel ......................................209,373.25 Capital Outlay..............................................................184,184.62 Refunds Issued .................................................................. 586.89 Service Charge by State Treasurer ..............................94,412.89 Total Disbursements 6,040,931.72 Cash Balance June 30, 2004 2,313,599.42 $8,354,531.14 Ninetieth Report FEDERAL DEPOSIT INSURANCE CORPORATION Dallas Regional Office 1910 Pacific Avenue, Suite 1900 Dallas, Texas 75201-4586 VOICE: (972) 761-2032 FAX: (972) 761-2082 http://www.fdic.gov John F. Carter .................................. Regional Director – Supervision/Consumer Sylvia H. Plunkett ......................................Deputy Regional Director - Consumer Memphis Area Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 VOICE: (901) 685-1603 FAX: (901) 821−5308 FAX: (901) 821−5309 Susan M. Madson ..................................................... Area Director − Supervision Timothy J. Hubby ....................................................... Assistant Regional Director Phillip H. Schwartz .................................................................... Regional Counsel Little Rock Field Office Financial Centre III Building 900 South Shackleford Road, Suite 500 Little Rock, Arkansas 72211 VOICE: (501) 228-6346 FAX: (501) 228-6568 Deborah S. Calvert............................................................ Field Office Supervisor Memphis Field Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 VOICE: (901) 685-1603 FAX: (901) 818-1645 Dana A. English................................................................. Field Office Supervisor Shreveport Field Office Southpoint Center 3007 Knight Street, Suite 300 Shreveport, Louisiana 71105-2525 VOICE: (318) 868-6661 FAX: (318) 868-7870 Steven D. Reed ................................................................. Field Office Supervisor 17 18 Arkansas State Bank Department FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 411 Locust Street P. O. Box 442 St. Louis, Missouri 63166 VOICE: (314) 444-8444 FAX: (314) 444-8740 http://www.stls.frb.org William Poole................................................................................................ President W. LeGrande Rives......................................................................First Vice President Karl W. Ashman ....................................................................... Senior Vice President Henry H. Bourgaux................................................................... Senior Vice President Mary H. Karr ............................................................................. Senior Vice President General Counsel & Corporate Secretary Robert H. Rasche..................................................................... Senior Vice President & Director of Research David A. Sapenaro ................................................................... Senior Vice President Treasury Relations & Systems Support Julie L. Stackhouse .................................................................. Senior Vice President Richard G. Anderson ...........................................................................Vice President Research John P. Baumgartner ...........................................................................Vice President Treasury Relations & Wholesale & Cash Operations John W. Block, Jr. ................................................................................ Vice President Consumer Affairs Supervision Timothy A. Bosch ................................................................................. Vice President Supervision & Regulation Marilyn K. Corona ................................................................................ Vice President Corporate Accounting & Customer Relations Cletus C. Coughlin ............................................................................... Vice President & Associate Director of Research William T. Gavin ................................................................................... Vice President & Research Coordinator Jean M. Lovati ...................................................................................... Vice President TRASS Management & Support Michael J. Mueller ................................................................................ Vice President Support Services Kim D. Nelson ......................................................................................Vice President Applications, Risk Management, Statistics, Credit & Payment Ninetieth Report FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 (Continued) Randall C. Sumner............................................................................... Vice President Community Affairs/Public Affairs Daniel L. Thornton................................................................................Vice President Research Michael D. Renfro ..............................................................................General Auditor Audit Little Rock Branch 325 West Capitol Avenue P. O. Box 1261 Little Rock, Arkansas 72203-1261 VOICE: (501) 324-8300 FAX: (501) 324-8212 Robert A. Hopkins ................................................. Vice President & Branch Manager William D. Little...................................................................... Assistant Vice President Memphis Branch 200 North Main Street P. O. Box 407 Memphis, Tennessee 38101-0407 VOICE: (901) 523-7171 FAX: (901) 579-2406 Martha L. Perine-Beard......................................... Vice President & Branch Manager Allen Brown ........................................................................... Assistant Vice President Matthew Torbett .................................................................... Assistant Vice President Louisville Branch 410 South 5th Street Louisville, Kentucky 40232-2710 P. O. Box 32710 VOICE: (502) 568-9200 FAX: (502) 568-9211 Thomas Boone...................................................... Vice President & Branch Manager Ronald L. Byrne..................................................................................... Vice President 19 20 Arkansas State Bank Department COMPTROLLER OF THE CURRENCY Southern District Office 500 North Akard, Suite 1600 Dallas, Texas 75201-3323 VOICE: (214) 720-0656 FAX: (214) 720-7000 http://www.occ.treas.gov Jeri Gilland................................................................................. Deputy Comptroller Randall Ryskamp .............................................................................District Counsel Karen Bryant .............................................................................. Licensing Manager Little Rock Field Office Ozark National Life Building 10201 West Markham, Suite 105 Little Rock, Arkansas 72205−2180 VOICE: (501) 225-7228 FAX: (501) 225-2711 F. Christian Dunn ...................................................... Assistant Deputy Comptroller Memphis Field Office (Satellite Office of Arkansas Field Office) 57 Germantown Court, Suite 309 Cordova, Tennessee 38018-4268 VOICE: (901) 624-5154 FAX: (901) 624-5822 F. Christian Dunn ...................................................... Assistant Deputy Comptroller Central and Western Oklahoma Field Office The Harvey Parkway Building 301 NW 63rd Street, Suite 490 Oklahoma City, Oklahoma 73116-7909 VOICE: (405) 848−8058 FAX: (405) 848-8085 Kyle M. Jones............................................................ Assistant Deputy Comptroller Eastern Oklahoma Field Office Executive Center Building 7134 South Yale, Suite 910 Tulsa, Oklahoma 74136-6360 VOICE: (918) 492-2082 FAX: (918) 492-2092 Leigh R. Hoge ........................................................... Assistant Deputy Comptroller Ninetieth Report ARKANSAS BANKERS ASSOCIATION 1220 West Third Street Little Rock, Arkansas 72201 VOICE: (501) 376-3741 FAX: (501) 376-9243 http://www.arkbankers.org Ken D. Hammonds........................................................................ President & CEO Gus Rusher ............................................................................................... Chairman President Bank of Brinkley, Brinkley J. Thomas May.................................................................................Chairman-Elect Chairman & CEO Simmons First National Bank, Pine Bluff Larry T. Wilson .................................................................................. Vice Chairman Chairman, President & CEO First Arkansas Bank & Trust, Jacksonville John Freeman ........................................................................................... Treasurer President Liberty Bank of Arkansas, Jonesboro Robert V. Brothers ............................................................................Past Chairman President & CEO of Arvest Bank – Rogers Office Arvest Bank, Fayetteville 21 22 Arkansas State Bank Department YOUNG BANKERS SECTION OFFICERS Chris Welch ................................................................................................ President Vice President The Bank of Fayetteville, N.A., Fayetteville Craig Attwood.........................................................................Senior Vice President Vice President Simmons First National Bank, Pine Bluff Kyle Lin Davidson ..............................................................................Vice President Loan Officer First National Bank of Eastern Arkansas, Forrest City Matthew Gill.............................................................................. Secretary/Treasurer Assistant Vice President The Bank of Fayetteville, N.A., Fayetteville Gina Daniell ....................................................................................... Past President Senior Vice President Elk Horn Bank and Trust Company, Arkadelphia Ninetieth Report ARKANSAS COMMUNITY BANKERS ASSOCIATION P. O. Box 20210 Hot Springs, Arkansas 71903-0210 VOICE: (800) 771-1634 FAX: (501) 525-0637 E−Mail: info@acbonline.org http://www.acbonline.org Richard G. Trammell ......................................................................Executive Director Larry E. Bauer .............................................................................................. President Chief Executive Officer and President Planters & Merchants Bank, Gillett James G. Williamson, Jr. ..................................................................... Vice President Chairman Citizens Bank & Trust Company, Van Buren Milton Smith.................................................................................................. Secretary Chairman First National Bank of Lawrence County, Walnut Ridge Greg B. Brown..............................................................................................Treasurer Chairman and Chief Executive Officer The Union Bank of Benton, Benton 23 24 Arkansas State Bank Department CONFERENCE OF STATE BANK SUPERVISORS 1155 Connecticut Avenue, NW, 5th Floor Washington, DC 20036 VOICE: (202) 296-2840 FAX: (202) 296-1928 http://www.csbs.org Neil Milner.........................................................................................President & CEO Sharon Bias ............................................................................. Chief Financial Officer Cecelia Smith ................................................Executive Assistant/Office Coordinator Mary White .............................................................. Vice President/Communications Roger Stromberg.....................................................Senior Vice President/Education Georgia High ..................................Director, Accreditation & Certification/Education Michael Stevens................................................................. Vice President/Education Timothy Bergan ...................................................Senior Vice President/International John “Buz” Gorman........................................................General Counsel/Legislative John Ryan ...........................................................................Executive Vice President Ed Smith ........................................... Vice President, Membership & Bank Relations Montrice Yakimov.................................................. Senior Vice President/Regulatory Ninetieth Report CONSOLIDATED REPORT OF CONDITION DATA 120 STATE CHARTERED COMMERCIAL BANKS (in millions) ASSETS JUNE 30, 2004 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin.......................................$845 b. Interest-bearing balances ....................................................................................116 Securities: a. Held to maturity ....................................................................................................957 b. Available-for sale...............................................................................................5,638 Federal funds sold and securities purchased under agreements to resell......................................................613 Net Loans and Leases....................................................................................................17,766 Trading assets.......................................................................................................................... 0 Premises and fixed assets...................................................................................................743 Other real estate owned ........................................................................................................50 Goodwill and other intangibles.............................................................................................455 All other assets.....................................................................................................................668 Total assets...................................................................................................................$27,851 LIABILITIES Deposits: a. In domestic offices ........................................................................................$22,738 (1) Noninterest-bearing ....................................................................3,366 (2) Interest-bearing.........................................................................19,372 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs............................................................................................ 18 (1) Noninterest-bearing ...........................................................................0 (2) Interest-bearing................................................................................18 Federal funds purchased and securities sold under agreements to repurchase ......................................................545 Trading liabilities ...................................................................................................................... 0 Other borrowed money .................................................................................................... 1,646 Subordinated notes and debentures ....................................................................................... 6 All other liabilities .................................................................................................................144 Total liabilities..................................................................................................................25,097 Minority interest in consolidated subsidiaries .......................................................................... 0 EQUITY CAPITAL Perpetual preferred stock ........................................................................................................ 2 Common stock ....................................................................................................................... 39 Surplus ..............................................................................................................................1,508 Undivided profits ...............................................................................................................1,205 Total equity capital ............................................................................................................2,754 Total liabilities, minority interest and equity capital ..................................................... $27,851 25 Arkansas State Bank Department 26 CONSOLIDATED STATEMENT OF CONDITION OF THE 60 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 2004 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 .................................................................... $9 b. Other Institutions .................................................................................................. 0 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions .................................................................. 152 b. Other Institutions ................................................................................................ 69 U.S. Government and Agency Obligations ................................................................ 383 State, County and Municipal Obligations ..................................................................... 97 Other Short-Term Obligations ...................................................................................... 18 Other Notes and Bonds ................................................................................................ 32 Money Market Funds .................................................................................................. 185 Other Mutual Funds .................................................................................................... 129 Stocks ......................................................................................................................... 296 Collective Investment Fund Units ................................................................................... 1 Real Estate Mortgages ................................................................................................. 11 Real Estate ................................................................................................................... 89 Miscellaneous Assets ................................................................................................... 36 Suspense Accounts ........................................................................................................ 0 Other ............................................................................................................................ 14 Total .....................................................................................................................$1,521 LIABILITIES Personal Accounts: 17. Personal Trusts.........................................................................................................$382 18. Estates & Guardianships ..............................................................................................58 Employee Benefit Accounts: 19. Trusts .......................................................................................................................... 161 20. Agencies ....................................................................................................................... 79 All Other Agencies: 21. Investment Mgmt & Advisory...................................................................................... 138 22. Custodial ..................................................................................................................... 237 23. All Other ...................................................................................................................... 294 Corporate and Municipal Securities Appointments: 24. Bond Trusteeships...................................................................................................... 161 25. Agencies ....................................................................................................................... 10 Collective Investment Funds: 26. Employee Benefits.......................................................................................................... 1 27. Other .............................................................................................................................. 0 28. Profit Accounts................................................................................................................ 0 29. Suspense Accounts ........................................................................................................ 0 30. Total .....................................................................................................................$1,521 Ninetieth Report CONSOLIDATED REPORT OF CONDITION DATA 41 NATIONAL BANKS (in millions) ASSETS JUNE 30, 2004 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin.......................................$370 b. Interest-bearing balances ...................................................................................... 90 Securities: a. Held-to-maturity....................................................................................................380 b. Available-for-sale...............................................................................................2,065 Federal funds sold and securities purchased under agreements to resell......................................................238 Net loans and leases ........................................................................................................5,677 Trading assets.......................................................................................................................... 0 Premises and fixed assets...................................................................................................188 Other real estate owned ........................................................................................................23 Goodwill and other intangibles............................................................................................... 38 All other assets.....................................................................................................................216 Total assets.....................................................................................................................$9,285 LIABILITIES Deposits: a. In domestic offices ..........................................................................................$7,459 (1) Noninterest-bearing ....................................................................1,189 (2) Interest-bearing...........................................................................6,270 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs.............................................................................................. 0 (1) Noninterest-bearing ...........................................................................0 (2) Interest-bearing..................................................................................0 Federal funds purchased and securities sold under agreements to repurchase ......................................................287 Trading liabilities ...................................................................................................................... 0 Other borrowed money ........................................................................................................525 Subordinated notes and debentures ....................................................................................... 0 All other liabilities ................................................................................................................... 59 Total liabilities....................................................................................................................8,330 Minority interest in consolidated subsidiaries .......................................................................... 0 EQUITY CAPITAL Perpetual preferred stock ........................................................................................................ 1 Common stock ....................................................................................................................... 26 Surplus .................................................................................................................................248 Undivided profits ..................................................................................................................680 Total equity capital ...............................................................................................................955 Total liabilities, minority interest and equity capital ....................................................... $9,285 27 Arkansas State Bank Department 28 TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2004 BANK CITY RATIO First National Bank of Altheimer Elk Horn Bank and Trust Company Altheimer Arkadelphia Summit Bank Arkadelphia 8.63 First National Banking Company Ash Flat 7.92 The First National Bank The Bank of Augusta Ashdown Augusta 13.59 12.66 Citizens State Bank Bald Knob 10.97 The Citizens Bank Batesville 6.18 First Community Bank Batesville 7.25 Bank of Bearden Bearden 18.24 The Union Bank of Benton Arkansas National Bank Benton Bentonville 19.11 7.25 7.05 7.77 The First National Bank of Berryville Berryville 13.58 Bank of Blevins Blevins 13.43 Farmers Bank And Trust Company Blytheville 11.70 The First National Bank in Blytheville Blytheville 7.97 First Western Bank Community State Bank Booneville Bradley 7.39 12.17 Bank of Brinkley Brinkley 9.89 Community Bank Cabot The First National Bank of Izard County Calico Rock 24.02 8.32 First Bank of South Arkansas Camden 10.51 Bank of Cave City The Merchants and Planters Bank Cave City Clarendon 7.54 13.28 First Security Bank of Clarksville Clarksville 8.34 First Security Bank of Conway Conway 7.48 First State Bank Conway 13.94 First National Bank of Crossett Crossett 9.78 First State Bank Chambers Bank Crossett Danville 9.18 12.11 Bank of Dardanelle Dardanelle 10.66 Decatur State Bank Decatur 13.04 Bank of Delight Delight 18.06 Ninetieth Report 29 BANK CITY RATIO The First National Bank of DeQueen First State Bank of DeQueen DeQueen DeQueen 17.91 9.81 DeWitt Bank And Trust Company DeWitt 16.32 The First National Bank of DeWitt DeWitt 8.78 First National Bank of Howard County Merchants & Farmers Bank Dierks Dumas 17.71 11.00 First Financial Bank El Dorado Simmons First Bank of El Dorado, N.A. El Dorado 7.98 Timberland Bank El Dorado 10.15 Bank of England England The Eudora Bank Bank of Eureka Springs Eudora Eureka Springs Arvest Bank Fayetteville 7.19 Bank of Arkansas, N.A. Fayetteville 8.89 7.08 7.58 8.42 11.66 The Bank of Fayetteville, N.A. Fayetteville 8.09 Community Bank of North Arkansas Fayetteville 10.40 Fordyce Bank & Trust Company First National Bank of Eastern Arkansas Fordyce Forrest City 8.44 12.32 Forrest City Bank, N.A. Forrest City 9.11 The First National Bank of Fort Smith Fort Smith 15.86 Planters & Merchants Bank Gillett 12.22 Arkansas Diamond Bank Glenwood 10.26 Bank of Gravett The First National Bank in Green Forest Gravette Green Forest First Service Bank Greenbrier 8.47 Farmers Bank Greenwood 18.99 Farmers Bank Hamburg 7.25 Calhoun County Bank Hampton 12.10 The Bank of Harrisburg Community First Bank Harrisburg Harrison 12.02 7.55 9.44 9.92 The Cleburne County Bank Heber Springs 8.76 Greers Ferry Lake State Bank Heber Springs 8.58 Heber Springs State Bank Heber Springs Helena National Bank Helena 12.06 The First National Bank of Hope Horatio State Bank Hope Horatio 18.52 10.47 First National Bank Hot Springs 10.78 Simmons First Bank of Hot Springs Hot Springs First State Bank of Northwest Arkansas Huntsville 9.61 6.83 12.25 30 Arkansas State Bank Department BANK CITY RATIO First Arkansas Bank & Trust American State Bank Jacksonville Jonesboro Heritage Bank Jonesboro 9.09 Liberty Bank of Arkansas Jonesboro 8.34 Simmons First Bank of Jonesboro Pine State Bank Jonesboro Kingsland 7.85 8.21 14.74 7.90 The Bank of Lake Village Lake Village 9.03 Simmons First Bank of South Arkansas Lake Village 8.62 Little River Bank Lepanto 11.26 The First National Bank of Lewisville Lewisville 10.12 Arkansas Bankers’ Bank Bank of Little Rock Little Rock Little Rock 8.44 10.42 Bank of the Ozarks Little Rock 8.13 The Capital Bank Little Rock 6.88 Eagle Bank & Trust Company Little Rock 8.31 Metropolitan National Bank Little Rock 6.57 One Bank & Trust, National Association Pulaski Bank And Trust Company Little Rock Little Rock 8.38 8.82 First State Bank Lonoke 9.48 Farmers Bank and Trust Company Magnolia 9.56 The Peoples Bank Magnolia 10.85 The Malvern National Bank Malvern 9.60 Southern State Bank First National Bank at Marianna Malvern Marianna 8.42 11.78 First Community Bank of Eastern Arkansas Marion 15.54 First Delta Bank Marked Tree 11.23 Bank of McCrory McCrory 11.70 The First National Bank of McGehee McGehee 12.68 McGehee Bank First National Bank in Mena McGehee Mena 13.67 13.01 The Union Bank of Mena Mena 10.13 Commercial Bank & Trust Company Monticello 9.64 Union Bank And Trust Company Monticello Petit Jean State Bank Morrilton 10.46 8.55 First National Bank First National Bank and Trust Company Mount Ida Mountain Home 11.82 9.44 First Security Bank of Mountain Home Mountain Home 7.96 TrustBanc Mountain Home 8.43 Bank of Mountain View Mountain View 15.14 Ninetieth Report 31 BANK CITY RATIO Allied Bank Diamond State Bank Mulberry Murfreesboro Citizens National Bank of Nashville Nashville 16.44 Merchants & Planters Bank Newport 8.28 National Bank of Arkansas in North Little Rock Twin City Bank North Little Rock North Little Rock 7.76 8.19 8.94 10.64 Bank of Paragould Paragould 10.55 First National Bank Paragould 11.87 Southern Bank of Commerce Paragould 12.20 The First National Bank at Paris Paris Delta Trust & Bank First State Bank Parkdale Parkin 9.38 10.95 9.25 Chart Bank Perryville 11.34 Piggott State Bank Piggott Pine Bluff National Bank Pine Bluff Simmons First National Bank Pine Bluff 7.17 Bank of Pocahontas Home Bank of Arkansas Pocahontas Portland 8.85 9.35 Parkway Bank Portland 7.98 Bank of Prescott Prescott 12.01 The Bank of Rison Rison 15.16 Bank of Rogers Rogers 7.80 Simmons First Bank of Northwest Arkansas First Arkansas Valley Bank Rogers Russellville 7.29 7.40 First State Bank Russellville 7.85 Simmons First Bank of Russellville Russellville 10.84 Bank of Salem Salem 9.20 10.23 8.96 Logan County Bank Scranton 15.91 First Security Bank Simmons First Bank of Searcy Searcy Searcy 7.01 10.26 Peoples Bank Sheridan 11.18 Arkansas State Bank Siloam Springs 15.48 Smackover State Bank Smackover 10.40 Riverside Bank Sparkman Bodcaw Bank Bank of Star City Stamps Star City 10.59 11.08 The Stephens Security Bank Stephens 8.10 The Farmers and Merchants Bank Stuttgart 11.97 First National Bank of Stuttgart Stuttgart 13.92 7.36 32 Arkansas State Bank Department BANK CITY RATIO Bank of Trumann Citizens Bank & Trust Company Trumann Van Buren First Community Bank of Crawford County Van Buren Bank of Waldron Waldron 15.31 The First National Bank of Lawrence County First State Bank of Warren Walnut Ridge Warren 10.12 10.98 Warren Bank and Trust Company Warren 13.94 First National Bank of Phillips County West Helena 9.59 Fidelity National Bank West Memphis 8.09 Cross County Bank Wynne 11.25 The First National Bank of Wynne Wynne 14.50 14.30 11.14 7.31 Ninetieth Report 33 NATIONAL BANKS JUNE 30, 2004 (000’s omitted) BANK CITY First National Bank of Altheimer First National Banking Company The First National Bank Arkansas National Bank The First National Bank of Berryville The First National Bank in Blytheville The First National Bank of Izard County First National Bank of Crossett The First National Bank of DeQueen The First National Bank of DeWitt First National Bank of Howard County Simmons First Bank of El Dorado, N.A. Bank of Arkansas, N.A. The Bank of Fayetteville, N.A. First National Bank of Eastern Arkansas Forrest City Bank, N.A. The First National Bank of Fort Smith The First National Bank in Green Forest Helena National Bank The First National Bank of Hope First National Bank The First National Bank of Lewisville Metropolitan National Bank One Bank & Trust, National Association The Malvern National Bank First National Bank at Marianna The First National Bank of McGehee First National Bank in Mena First National Bank First National Bank and Trust Company Citizens National Bank of Nashville National Bank of Arkansas in North Little Rock First National Bank The First National Bank at Paris Pine Bluff National Bank Simmons First National Bank First National Bank of Stuttgart The First National Bank of Lawrence County First National Bank of Phillips County Fidelity National Bank The First National Bank of Wynne Altheimer Ash Flat Ashdown Bentonville Berryville Blytheville Calico Rock Crossett DeQueen DeWitt Dierks El Dorado Fayetteville Fayetteville Forrest City Forrest City Fort Smith Green Forest Helena Hope Hot Springs Lewisville Little Rock Little Rock Malvern Marianna McGehee Mena Mount Ida Mountain Home Nashville North Little Rock Paragould Paris Pine Bluff Pine Bluff Stuttgart Walnut Ridge West Helena West Memphis Wynne ASSETS 12,826 272,960 86,667 534,817 126,580 192,302 117,355 130,304 116,201 101,795 39,346 196,451 180,222 309,883 230,889 69,994 671,267 298,597 131,012 124,827 181,173 34,537 1,010,725 274,743 383,229 53,402 47,296 122,259 78,204 266,015 46,210 135,582 472,787 101,481 259,910 1,140,309 36,040 128,566 182,414 204,730 180,595 REPORT OF THE ONE HUNDRED TWENTY STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2004 Arkansas State Bank Department 36 Elk Horn Bank and Trust Company Arkadelphia, AR VOICE: (870) 246-5811 FAX: (870) 246-5284 Population: 10,912 601 Main Street Charter Number: 142 P. O. Box 248 Date: September 28, 1903 71923-0248 County: Clark Home Page: www.ehbt.com Trust Powers: Yes Bank Holding Company Southern Development Bancorporation, Inc., Arkadelphia, AR Chm: James W. Harrington VP/TO: Beth S. Marshall CEO/Pres: William G. Wright Cash and Due from:....................................... 4,513 Federal Funds and Repos: ............................ 4,655 Investments: ................................................ 60,378 Net Loans: ................................................... 82,177 Premises and Fixed Assets: .......................... 4,042 Other Real Estate: ............................................ 936 Other Assets: ................................................. 8,878 Total Assets: .............................................. 165,579 Total Trust Assets:............................................ 300 Deposits:.................................................... 143,780 Federal Funds and Borrowings: .................... 6,022 Other Liabilities:................................................ 797 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 150,599 Total Equity Capital: .................................... 14,980 Total Liabilities and Capital:....................... 165,579 Number of Shares Outstanding: .................. 24,000 Directors: Phillip N. Baldwin; Thomas B. Barksdale; James H. Blanton; Ronald Echols; James W. Harrington; Geneva Hunter; Michael Kolb; Mary Jo Mann; Veda R. Morgan; Roy N. Shope; Dr. Andrew Westmoreland; William G. Wright Branches in Town: Two Other Branches: Bismarck, Caddo Valley, Malvern Summit Bank Arkadelphia, AR VOICE: (870) 246-8070 FAX: (870) 246-7122 Population: 10,912 409 Main Street Charter Number: 767 P. O. Box 965 Date: December 2, 1996 71923-0965 County: Clark Trust Powers: No Bank Holding Company Summit Bancorp, Inc., Arkadelphia, AR Chm/CEO: Ross M. Whipple EVP/CFO: Christopher M. Wewers Pres/COO: Marcus J. McCain EVP/CAO: John A. Bryant Cash and Due from:..................................... 14,291 Federal Funds and Repos: ............................ 2,325 Investments: .............................................. 115,162 Net Loans: ................................................. 437,429 Premises and Fixed Assets: ........................ 11,502 Other Real Estate: ............................................ 195 Other Assets: ............................................... 17,536 Total Assets: .............................................. 598,440 Total Trust Assets:................................................ 0 Deposits:.................................................... 451,483 Federal Funds and Borrowings: .................. 92,811 Other Liabilities:............................................. 2,799 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 547,093 Total Equity Capital: .................................... 51,347 Total Liabilities and Capital:....................... 598,440 Number of Shares Outstanding: .................... 3,100 Directors: Rodney Bobo; Elton E. Buck; Steve DeMott; Mike Duke; Ben Elrod; Joe Keith; Mike Lax; James McAdams; Marcus J. McCain; Ned Purtle; Ross M. Whipple; Joe Woodward Branches in Town: One Other Branches: Benton, Hope, Hot Springs (5), Magnolia, Malvern (2) Ninetieth Report 37 The Bank of Augusta Augusta, AR VOICE: (870) 347-2511 FAX: (870) 347-2654 Population: 2,665 Chm: John R. Eldridge CEO/Pres: Moody Whitehead 100 South Second Street Charter Number: 669 P. O. Box 120 Date: February 20, 1935 72006-0120 County: Woodruff Trust Powers: Yes Bank Holding Company None VP: Ronnie Jones VP/Cash/TO: Martha Ray Cash and Due from:....................................... 1,328 Federal Funds and Repos: ................................... 0 Investments:................................................. 21,029 Net Loans:.................................................... 21,872 Premises and Fixed Assets: ............................. 384 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,762 Total Assets: ................................................ 46,375 Total Trust Assets: ......................................... 3,833 Deposits: ...................................................... 39,522 Federal Funds and Borrowings:........................ 590 Other Liabilities: ................................................ 577 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 40,689 Total Equity Capital:....................................... 5,686 Total Liabilities and Capital:......................... 46,375 Number of Shares Outstanding: .................... 8,000 Directors: Franklin Collier; Dr. Steven Collier; W. P. Daniel, Jr.; W. P. Daniel; Charlie Eldridge; John R. Eldridge; R. E. Gregory, Jr.; Ronald Jones; Moody Whitehead Branches in Town: One Other Branches: None Citizens State Bank Bald Knob, AR VOICE: (501) 724-3241 FAX: (501) 724-5985 Population: 3,210 306 South Elm Street Charter Number: 636 P. O. Box 200 Date: January 22, 1931 72010-0200 County: White Home Page: www.csb-bk.com Trust Powers: Yes Bank Holding Company Citizens State Bankshares of Bald Knob, Inc., Bald Knob, AR Chm: Juanita Litzelfelner EVP: Wendell Nier CEO/Pres/TO: Larry Kircher SVP/Cash: Peggy Reed Cash and Due from:....................................... 2,070 Federal Funds and Repos: ............................ 2,925 Investments:................................................. 26,015 Net Loans:.................................................... 27,112 Premises and Fixed Assets: ............................. 973 Other Real Estate: ............................................ 280 Other Assets: ................................................. 2,933 Total Assets: ................................................ 62,308 Total Trust Assets: ......................................... 2,792 Deposits: ...................................................... 55,461 Federal Funds and Borrowings:............................ 0 Other Liabilities: ................................................ 236 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 55,697 Total Equity Capital:....................................... 6,611 Total Liabilities and Capital:......................... 62,308 Number of Shares Outstanding: .................... 4,000 Directors: Bob J. Clark; Larry Kircher; Molly Kircher; Juanita Litzelfelner; Wendell Nier; James W. Staggs Branches in Town: Two Other Branches: Bradford 38 Arkansas State Bank Department The Citizens Bank Batesville, AR VOICE: (870) 793-4441 FAX: (870) 698-6299 Population: 9,445 Third and College Streets Charter Number: 705 P. O. Box 2156 Date: February 19, 1953 72503-2156 County: Independence Home Page: www.thecitizensbank.net Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Citizens Bancshares of Batesville, Inc., Batesville, AR Chm/CEO/Pres: Woody Castleberry SVP: Greg Shaver EVP: David Hidy VP/TO: Robin Brock Cash and Due from:..................................... 12,483 Federal Funds and Repos: ............................ 1,520 Investments: .............................................. 122,039 Net Loans: ................................................. 276,006 Premises and Fixed Assets: .......................... 7,204 Other Real Estate: ......................................... 1,617 Other Assets: ................................................. 9,624 Total Assets: .............................................. 430,493 Total Trust Assets:....................................... 95,972 Deposits:.................................................... 301,851 Federal Funds and Borrowings: ................ 101,270 Other Liabilities:................................................ 837 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 403,958 Total Equity Capital: .................................... 26,535 Total Liabilities and Capital:....................... 430,493 Number of Shares Outstanding: .................. 16,500 Directors: Woody Castleberry; Dr. Lackey G. Moody, M.D.; Doyle W. Rogers; Noel K. Sims; Kay Southerland Branches in Town: Six Other Branches: Imboden, Pleasant Plains First Community Bank Batesville, AR VOICE: (870) 612-3400 FAX: (870) 612-3412 Population: 9,445 1325 Harrison Street Charter Number: 770 P. O. Box 4327 Date: June 20, 1997 72501-4327 County: Independence Home Page: www.firstcommunity.net Trust Powers: Yes Bank Holding Company First Community Bancshares, Inc., Batesville, AR Chm/CEO: Dale E. Cole SVP: Troy Henley Pres/COO: Boris A. Dover VP/TO: Betty Campbell Cash and Due from:....................................... 3,844 Federal Funds and Repos: ................................... 0 Investments: ................................................ 62,362 Net Loans: ................................................. 235,268 Premises and Fixed Assets: ........................ 10,402 Other Real Estate: ............................................ 186 Other Assets: ................................................. 4,633 Total Assets: .............................................. 316,695 Total Trust Assets:......................................... 2,205 Deposits:.................................................... 265,246 Federal Funds and Borrowings: .................. 29,463 Other Liabilities:................................................ 639 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 295,348 Total Equity Capital: .................................... 21,347 Total Liabilities and Capital:....................... 316,695 Number of Shares Outstanding: .................. 34,523 Directors: Don Buckliew; Dale E. Cole; Boris A. Dover; Billy Roy Floyd; Preston W. "Chip" Grace, III; Rick Kent; Ray LaCroix; Dianne Lamberth; Dr. Charles McClain; M. N. Osborne; Bill Roussel; Frank Tripp Branches in Town: Two Other Branches: Cave City, Searcy (2) Ninetieth Report 39 Bank of Bearden Bearden, AR VOICE: (870) 687-2233 FAX: (870) 687-2474 Population: 1,125 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 Powers: No Bank Holding Company Bearden Bancshares, Inc., Bearden, AR VP/Cash: Susan Lusby Cash and Due from:....................................... 5,327 Federal Funds and Repos: ............................ 8,815 Investments:................................................... 6,051 Net Loans:.................................................... 17,058 Premises and Fixed Assets: ............................... 88 Other Real Estate: ................................................ 0 Other Assets: .................................................... 255 Total Assets: ................................................ 37,594 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 31,368 Federal Funds and Borrowings:............................ 0 Other Liabilities: .................................................. 52 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 31,420 Total Equity Capital:....................................... 6,174 Total Liabilities and Capital:......................... 37,594 Number of Shares Outstanding: .................... 8,300 Directors: John E. Anthony; Steven M. Anthony; O. D. Cathey; Rick Green; Kenneth D. Keeton; Ronald A. Ramsay; Ken Riley; Russell G. Weatherly; Betty Word Branches in Town: None Other Branches: None The Union Bank of Benton Benton, AR VOICE: (501) 315-0411 FAX: (501) 303-5433 Population: 21,906 207 West Conway Charter Number: 706 P. O. Box 687 Date: January 11, 1954 72018-0687 County: Saline Home Page: www.union-bank.net Trust Powers: Yes Bank Holding Company Union Bancshares of Benton, Inc., Benton, AR Chm/CEO: Greg B. Brown TO: James Handley Pres: Mark Vanderpool Cash and Due from:..................................... 16,954 Federal Funds and Repos: ............................... 750 Investments:............................................... 123,308 Net Loans:.................................................... 67,325 Premises and Fixed Assets: .......................... 3,032 Other Real Estate: ......................................... 1,940 Other Assets: ................................................. 4,243 Total Assets: .............................................. 217,552 Total Trust Assets: ............................................ 266 Deposits: .................................................... 180,586 Federal Funds and Borrowings:................... 20,652 Other Liabilities: ................................................ 484 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 201,722 Total Equity Capital:..................................... 15,830 Total Liabilities and Capital:....................... 217,552 Number of Shares Outstanding: .................. 75,000 Directors: Fred Briner; Greg B. Brown; Bud Finley; J. D. Harris; Susan Jester; Gary Keeter; Ron Kuerner; I. E. McCray, Jr.; Mark Middleton; Larry Mitchell; James E. Stilwell; Mark Vanderpool; John Young Branches in Town: Three Other Branches: Bryant (2), Little Rock, Mabelvale Arkansas State Bank Department 40 Bank of Blevins Blevins, AR VOICE: (870) 874-2541 FAX: (870) 874-2631 Population: 365 5461 Highway 371 Charter Number: 385 P. O. Box 158 Date: August 12, 1912 71825-0158 County: Hempstead Trust Powers: No Bank Holding Company First National Bancshares of Hempstead County, Inc., Hope, AR Chm: Thomas E. Hays, Jr. Cash: Peggy Butler Pres: William E. Butler, Jr. Cash and Due from:.......................................... 606 Federal Funds and Repos: ............................... 575 Investments: .................................................. 5,845 Net Loans: ..................................................... 8,537 Premises and Fixed Assets: ............................. 228 Other Real Estate: ................................................ 0 Other Assets: .................................................... 201 Total Assets: ................................................ 15,992 Total Trust Assets:................................................ 0 Deposits:...................................................... 13,862 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.................................................. 41 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 13,903 Total Equity Capital: ...................................... 2,089 Total Liabilities and Capital:......................... 15,992 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: 18,272 400 West Main Charter Number: 253 P. O. Box 688 Date: March 16, 1908 72316-0688 County: Mississippi Home Page: www.farmersbankbly.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Farmers Bancorp, Inc., Blytheville, AR Chm/CEO: Alvin Huffman, III EVP: Randy Scott Pres/COO: Steve Bell VP/TO: Ron Dawson Cash and Due from:....................................... 4,323 Federal Funds and Repos: ................................... 0 Investments: ................................................ 67,081 Net Loans: ................................................. 101,824 Premises and Fixed Assets: .......................... 5,368 Other Real Estate: ............................................ 217 Other Assets: ................................................. 3,252 Total Assets: .............................................. 182,065 Total Trust Assets:....................................... 20,940 Deposits:.................................................... 152,366 Federal Funds and Borrowings: .................... 7,512 Other Liabilities:................................................ 588 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 160,466 Total Equity Capital: .................................... 21,599 Total Liabilities and Capital:....................... 182,065 Number of Shares Outstanding: .................. 40,000 Directors: Steve Bell; Paula O. Blackwell; Dale S. Briggs; Ronny Goff; Alvin Huffman, III; Gaylon M. Lawrence, Jr.; Randy Scott; David Stone; Harold Sudbury, Jr. Branches in Town: Four Other Branches: Franklin[TN] Ninetieth Report 41 First Western Bank Booneville, AR VOICE: (479) 675-3000 FAX: (479) 675-4477 Population: 4,117 80 West Main Charter Number: 397 P. O. Box 238 Date: April 18, 1910 72927-0238 County: Logan Home Page: www.firstwesternbank.net Trust Powers: Yes Bank Holding Company First Western Bancshares, Inc., Booneville, AR Chm/CEO: John T. Hampton Reg Pres: Shirley Young Reg Pres: Nathan E. Gairhan EVP/CFO: Lynne Coan Cash and Due from:....................................... 9,456 Federal Funds and Repos: ................................... 0 Investments:................................................. 59,707 Net Loans:.................................................. 160,290 Premises and Fixed Assets: .......................... 7,680 Other Real Estate: ............................................ 496 Other Assets: ................................................. 9,641 Total Assets: .............................................. 247,270 Total Trust Assets: ................................................ 0 Deposits: .................................................... 190,222 Federal Funds and Borrowings:................... 35,897 Other Liabilities: ............................................. 2,299 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 228,418 Total Equity Capital:..................................... 18,852 Total Liabilities and Capital:....................... 247,270 Number of Shares Outstanding: ................ 100,000 Directors: Dr. Paul Becton, M.D.; Nathan E. Gairhan; John T. Hampton; Robert G. Harris; A. B. Littlefield, Jr.; Jack McHaney; Robert E. Remy; Howard L. Slinkard; Alan "Buddy" Sparks; Deanne Witherspoon, O.D.; Jane Woolley; Shirley Young Branches in Town: One Other Branches: Bella Vista, Bentonville, Caulksville, Fayetteville, Magazine, Rogers (2) Community State Bank Bradley, AR VOICE: (870) 894-3322 FAX: (870) 894-3324 Population: 563 208 West Fourth Street Charter Number: 653 P. O. Box 120 Date: April 10, 1933 71826-0120 County: Lafayette Trust Powers: No Bank Holding Company Community State Bancshares, Inc., Bradley, AR Chm: Jerry G. Hartline VP: Lane Pierce CEO/Pres: Gary R. Lankford Cash: Regina Wootton Cash and Due from:....................................... 3,187 Federal Funds and Repos: ............................ 1,250 Investments:................................................... 1,001 Net Loans:...................................................... 7,232 Premises and Fixed Assets: ............................. 179 Other Real Estate: ................................................ 0 Other Assets: .................................................... 171 Total Assets: ................................................ 13,020 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 11,371 Federal Funds and Borrowings:............................ 0 Other Liabilities: .................................................. 69 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 11,440 Total Equity Capital:....................................... 1,580 Total Liabilities and Capital:......................... 13,020 Number of Shares Outstanding: .................. 10,000 Directors: Jerry G. Hartline; Jeffrey C. Hobbs; Gary R. Lankford; Lane Pierce Branches in Town: None Other Branches: None 42 Arkansas State Bank Department Bank of Brinkley Brinkley, AR VOICE: (870) 734-3133 FAX: (870) 734-3001 Population: 3,940 130 South New Orleans Charter Number: 110 P. O. Box 727 Date: January 17, 1903 72021-0727 County: Monroe Trust Powers: No Bank Holding Company Brinkley Bancshares, Inc., Brinkley, AR Chm/CEO: Albert H. Rusher EVP: Terry Singleterry Pres: Gus Rusher VP/Cash: Bently Manatt Cash and Due from:..................................... 13,042 Federal Funds and Repos: ................................... 0 Investments: ................................................ 94,104 Net Loans: ................................................... 34,448 Premises and Fixed Assets: .......................... 1,475 Other Real Estate: ................................................ 0 Other Assets: ................................................. 5,530 Total Assets: .............................................. 148,599 Total Trust Assets:................................................ 0 Deposits:.................................................... 117,876 Federal Funds and Borrowings: .................. 14,385 Other Liabilities:................................................ 523 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 132,784 Total Equity Capital: .................................... 15,815 Total Liabilities and Capital:....................... 148,599 Number of Shares Outstanding: .................. 24,000 Directors: Jimmy Carroll, Jr.; Steve Fowler; Doug Hunt; Albert H. Rusher; Gus Rusher; Fred Schaefer Branches in Town: One Other Branches: None Community Bank Cabot, AR VOICE: (501) 843-3575 FAX: (501) 843-4285 Population: 15,261 2171 West Main P. O. Box 1028 72023-1028 Home Page: www.communitybk.net Trust Powers: Yes Bank Holding Company CB Bancorp, Inc., Cabot, AR Chm: John W. Allison CFO: Tyler Vance CEO/Pres: Tracy M. French TO: Pamela Enloe Cash and Due from:....................................... 9,943 Federal Funds and Repos: ................................... 0 Investments: ................................................ 90,090 Net Loans: ................................................. 187,737 Premises and Fixed Assets: .......................... 7,497 Other Real Estate: ............................................ 417 Other Assets: ............................................... 33,455 Total Assets: .............................................. 329,139 Total Trust Assets:....................................... 28,667 Charter Number: 120 Date: March 23, 1903 County: Lonoke Deposits:.................................................... 243,772 Federal Funds and Borrowings: .................. 31,478 Other Liabilities:............................................. 6,461 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 281,711 Total Equity Capital: .................................... 47,428 Total Liabilities and Capital:....................... 329,139 Number of Shares Outstanding: .................. 25,000 Directors: John W. Allison; Rick Ashley; Dearl Dixon; Cathy Eoff-Tiratto; Tracy M. French; Jerry Jones; Mark Lowman; Gerald H. Shock; C. Randall Sims; William G. Thompson; Stephen P. Tipton; Jerry Waymack; Larry Wood; Joan R. Zumwalt Branches in Town: Three Other Branches: Beebe, Jacksonville (2), Ward Ninetieth Report 43 First Bank of South Arkansas Camden, AR VOICE: (870) 837-8300 FAX: (870) 837-8310 Population: 13,154 1325 Highway 278 Bypass Charter Number: 660 P. O. Box 10 Date: August 28, 1933 71711 County: Ouachita Trust Powers: No Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm/CEO: Searcy W. Harrell, Jr. EVP: Jonathan W. Harrell Pres: John F. Marsh Cash: Barbara Daniels Cash and Due from:....................................... 3,083 Federal Funds and Repos: ................................... 0 Investments:................................................. 26,017 Net Loans:.................................................... 54,950 Premises and Fixed Assets: .......................... 2,229 Other Real Estate: ............................................ 251 Other Assets: ................................................. 4,038 Total Assets: ................................................ 90,568 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 75,033 Federal Funds and Borrowings:..................... 5,717 Other Liabilities: ................................................ 216 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 80,966 Total Equity Capital:....................................... 9,602 Total Liabilities and Capital:......................... 90,568 Number of Shares Outstanding: .................. 30,000 Directors: Harold W. Campbell; Randall W. Crowder; Phillip J. Foster; Alvin Green; Jonathan W. Harrell; Searcy W. Harrell, Jr.; Paul E. Lindsey; John F. Marsh; Richard Mosley; John David Neeley Branches in Town: Two Other Branches: Junction City Bank of Cave City Cave City, AR VOICE: (870) 283-5301 FAX: (870) 283-6466 Population: 1,946 133 South Main Street Charter Number: 209 P. O. Box 490 Date: July 2, 1906 72521-0490 County: Sharp Trust Powers: Yes Bank Holding Company Sharp Bancshares, Inc., Cave City, AR Chm/CEO/Pres/TO: Samuel F. Beller SVP/Cash: Wanda Daniel SVP: Gayla Hickman Cash and Due from:....................................... 4,899 Federal Funds and Repos: ............................ 1,555 Investments:................................................. 26,711 Net Loans:.................................................... 70,565 Premises and Fixed Assets: .......................... 1,324 Other Real Estate: ......................................... 1,073 Other Assets: ................................................. 5,309 Total Assets: .............................................. 111,436 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 97,495 Federal Funds and Borrowings:..................... 4,423 Other Liabilities: ............................................. 1,056 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 102,974 Total Equity Capital:....................................... 8,462 Total Liabilities and Capital:....................... 111,436 Number of Shares Outstanding: .................... 4,000 Directors: Samuel F. Beller; Dennis Esteb; Margie Pettersen; Bruce Street; Scott Street Branches in Town: None Other Branches: Evening Shade, Lynn, Strawberry Arkansas State Bank Department 44 The Merchants and Planters Bank Clarendon, AR VOICE: (870) 747-3319 FAX: (870) 747-3498 Population: 1,960 297 Madison P. O. Box 280 72029-0280 Trust Powers: No Bank Holding Company Clarendon Holding Co., Clarendon, AR Chm: J. Baxter Sharp, III Cash: Estelle Catlett Pres: J. Kendall Henry Cash and Due from:....................................... 1,779 Federal Funds and Repos: ................................... 0 Investments: ................................................ 16,921 Net Loans: ..................................................... 9,841 Premises and Fixed Assets: ............................. 451 Other Real Estate: ............................................ 167 Other Assets: .................................................... 381 Total Assets: ................................................ 29,540 Total Trust Assets:................................................ 0 Charter Number: 21 Date: July 23, 1890 County: Monroe Deposits:...................................................... 24,829 Federal Funds and Borrowings: .................... 1,090 Other Liabilities:.................................................. 46 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 25,965 Total Equity Capital: ...................................... 3,575 Total Liabilities and Capital:......................... 29,540 Number of Shares Outstanding: .................... 5,660 Directors: Estelle Catlett; Donald A. Davis; Rheta Griffith; J. Kendall Henry; B. J. Hopson; E. Davidson Lee; J. Baxter Sharp, III Branches in Town: None Other Branches: None First Security Bank of Clarksville Clarksville, AR VOICE: (479) 754-2020 FAX: (479) 754-3492 Population: 7,719 Chm/CEO: Cole Martin Pres/TO: Lee White 214 West Main Street Charter Number: 737 P. O. Box 288 Date: July 6, 1978 72830-0288 County: Johnson Home Page: www.fsbclarksville.com Trust Powers: Yes Bank Holding Company First Security Bancorp, Searcy, AR SVP: Nina Mason SVP: Tommy Sexton Cash and Due from:....................................... 7,397 Federal Funds and Repos: ................................... 0 Investments: ................................................ 59,500 Net Loans: ................................................... 41,974 Premises and Fixed Assets: .......................... 3,935 Other Real Estate: ............................................ 392 Other Assets: ................................................. 2,760 Total Assets: .............................................. 115,958 Total Trust Assets:......................................... 5,370 Deposits:.................................................... 102,166 Federal Funds and Borrowings: .................... 2,400 Other Liabilities:................................................ 274 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 104,840 Total Equity Capital: .................................... 11,118 Total Liabilities and Capital:....................... 115,958 Number of Shares Outstanding: .................... 5,495 Directors: Herman Houston; Cole Martin; Steve Morgan; Dayne Phillips; Bill Porter; Reynie Rutledge; Lee White Branches in Town: Two Other Branches: Coal Hill Ninetieth Report 45 First Security Bank of Conway Conway, AR VOICE: (501) 450-9800 FAX: (501) 450-1899 Population: 43,167 1001 Front Street Charter Number: 779 P. O. Box 938 Date: April 15, 1999 72033 County: Faulkner Home Page: www.firstsecurityconway.com Trust Powers: No Member of Federal Reserve System Bank Holding Company First Security Bancorp, Searcy, AR Chm: Robert Rook EVP: Johnny Adams CEO/Pres: J. Mark Ferguson EVP: Mike Baldwin Cash and Due from:..................................... 19,235 Federal Funds and Repos: ................................... 0 Investments:................................................. 46,299 Net Loans:.................................................. 203,857 Premises and Fixed Assets: .......................... 9,987 Other Real Estate: .............................................. 24 Other Assets: ................................................. 4,394 Total Assets: .............................................. 283,796 Total Trust Assets: ................................................ 0 Deposits: .................................................... 242,194 Federal Funds and Borrowings:................... 17,994 Other Liabilities: ................................................ 673 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 260,861 Total Equity Capital:..................................... 22,935 Total Liabilities and Capital:....................... 283,796 Number of Shares Outstanding: .................. 54,000 Directors: Richard Arnold; Jack Bell; George E. Covington; Hal Crafton; J. Mark Ferguson; John Hawks, Jr.; Linda Linn; Robert Rook; Reynie Rutledge; Joe White Branches in Town: Six Other Branches: Greenbrier First State Bank Conway, AR VOICE: (501) 328-4663 FAX: (501) 328-4601 Population: 43,167 620 Chestnut Street Charter Number: 118 P. O. Box 966 Date: May 12, 1903 72032 County: Faulkner Home Page: www.fsbhome.com Trust Powers: Yes Bank Holding Company Home BancShares, Inc., Conway, AR Chm: John W. Allison EVP: Kevin Hester CEO/Pres: C. Randall Sims EVP: Randy E. Mayor Cash and Due from:..................................... 12,916 Federal Funds and Repos: ................................... 0 Investments:................................................. 91,537 Net Loans:.................................................. 298,089 Premises and Fixed Assets: ........................ 10,321 Other Real Estate: ............................................ 611 Other Assets: ............................................... 13,003 Total Assets: .............................................. 426,477 Total Trust Assets: ................................................ 0 Deposits: .................................................... 312,859 Federal Funds and Borrowings:................... 54,915 Other Liabilities: ............................................. 1,741 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 369,515 Total Equity Capital:..................................... 56,962 Total Liabilities and Capital:....................... 426,477 Number of Shares Outstanding: .................... 2,400 Directors: Milburn Adams; John W. Allison; William C. Brazil; Dale Bruns; Jack Engelkes; William J. Farris, Jr.; Kevin Hester; Randy E. Mayor; Jim Rankin; William R. Reynolds; C. Randall Sims Branches in Town: Six Other Branches: Greenbrier, Holly Grove, Mayflower, Vilonia 46 Arkansas State Bank Department First State Bank Crossett, AR VOICE: (870) 364-5131 FAX: (870) 364-6329 Population: 6,097 200 Pine Street Charter Number: 718 P. O. Box 638 Date: May 13, 1963 71635-0638 County: Ashley Trust Powers: No Bank Holding Company Evergreen Bancshares, Inc., Crossett, AR Chm: Richard E. Griffin EVP: Howard M. Beaty, Jr. CEO/Pres: Nicholas J. Horner SVP: Cheryl Goodwin Cash and Due from:....................................... 1,704 Federal Funds and Repos: ................................... 0 Investments: .................................................. 6,485 Net Loans: ................................................... 17,842 Premises and Fixed Assets: .......................... 1,701 Other Real Estate: ............................................ 538 Other Assets: ................................................. 1,124 Total Assets: ................................................ 29,394 Total Trust Assets:................................................ 0 Deposits:...................................................... 26,360 Federal Funds and Borrowings: ....................... 245 Other Liabilities:.................................................. 34 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 26,639 Total Equity Capital: ...................................... 2,755 Total Liabilities and Capital:......................... 29,394 Number of Shares Outstanding: ................ 100,000 Directors: Howard M. Beaty, Jr.; Richard E. Griffin; Nicholas J. Horner; Larry W. Johnson; Harry D. Stephens; Henry M. Thomas; Barney White Branches in Town: Two Other Branches: None Chambers Bank Danville, AR VOICE: (479) 495-2236 FAX: (479) 495-4650 Population: 2,392 901 Main P. O. Box 609 72833-0609 Trust Powers: No Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm: John Ed Chambers, III Pres: Bill Donnell CEO: Edward J. Taylor SVP: Zelta Bell Cash and Due from:....................................... 9,675 Federal Funds and Repos: ............................ 5,845 Investments: ................................................ 21,444 Net Loans: ................................................. 366,330 Premises and Fixed Assets: .......................... 6,093 Other Real Estate: ......................................... 1,507 Other Assets: ............................................... 19,550 Total Assets: .............................................. 430,444 Total Trust Assets:................................................ 0 Charter Number: 615 Date: October 3, 1930 County: Yell Deposits:.................................................... 307,772 Federal Funds and Borrowings: .................. 68,751 Other Liabilities:............................................. 1,719 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 378,242 Total Equity Capital: .................................... 52,202 Total Liabilities and Capital:....................... 430,444 Number of Shares Outstanding: .................. 10,000 Directors: Thomas Akin; John Ed Chambers, III; Bill Donnell; Fay Mathis; Rick Millsap; James C. Pledger; Robert R. Redfern; Edward J. Taylor; Robert Y. Taylor Branches in Town: One Other Branches: Amity, Fort Smith (2), Havana, Hot Springs, Hot Springs Village, Kirby, Mansfield, Mena, Waldron Ninetieth Report 47 Bank of Dardanelle Dardanelle, AR VOICE: (479) 229-3311 FAX: (479) 229-4180 Population: 4,228 102 North Front Street Charter Number: 668 P. O. Box 577 Date: September 12, 1934 72834-0577 County: Yell Trust Powers: Yes Bank Holding Company Bank of Dardanelle Bankshares, Inc., Dardanelle, AR Chm/Pres: Ronald L. Taylor Cash: Janelle Parker Cash and Due from:....................................... 6,058 Federal Funds and Repos: .......................... 11,190 Investments:................................................. 26,948 Net Loans:.................................................... 75,465 Premises and Fixed Assets: .......................... 4,592 Other Real Estate: ............................................ 621 Other Assets: ................................................. 3,280 Total Assets: .............................................. 128,154 Total Trust Assets: ................................................ 0 Deposits: .................................................... 113,545 Federal Funds and Borrowings:............................ 0 Other Liabilities: ................................................ 273 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 113,818 Total Equity Capital:..................................... 14,336 Total Liabilities and Capital:....................... 128,154 Number of Shares Outstanding: .................... 8,000 Directors: Thomas C. Berryhill; Bunny Bullock; Tom Ed Bullock; William R. Bullock, Sr.; Fanny George; Dee Longenbaugh; Ronald L. Taylor Branches in Town: One Other Branches: Atkins, Danville, Dover, Russellville (2) Decatur State Bank Decatur, AR VOICE: (479) 752-3281 FAX: (479) 752-8154 Population: 1,314 Hwy. 59 North Charter Number: 707 P. O. Box 38 Date: May 27, 1954 72722-0038 County: Benton Home Page: www.decaturstatebank.net Trust Powers: No Bank Holding Company Peterson Holding Company, Decatur, AR Chm: Richard E. Wilmoth Cash: Wanda Tormey CEO/Pres: Vernon L. Austin Cash and Due from:....................................... 4,377 Federal Funds and Repos: ............................ 5,100 Investments:................................................. 24,632 Net Loans:.................................................. 105,431 Premises and Fixed Assets: .......................... 2,525 Other Real Estate: ............................................ 577 Other Assets: ................................................. 3,464 Total Assets: .............................................. 146,106 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 97,875 Federal Funds and Borrowings:................... 29,003 Other Liabilities: ................................................ 346 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 127,224 Total Equity Capital:..................................... 18,882 Total Liabilities and Capital:....................... 146,106 Number of Shares Outstanding: .................... 7,000 Directors: Vernon L. Austin; Larry D. Curran; Tom M. Edmiston; Debbie Evans; Paul Galyean; Aaron Holcombe; R. Mark Londagin; 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 503 East Antioch P. O. Box 68 71940-0068 Trust Powers: No Bank Holding Company None EVP: Kent Hendrix VP: Rusty Silvey Cash and Due from:....................................... 7,183 Federal Funds and Repos: ............................... 890 Investments: ................................................ 23,946 Net Loans: ................................................... 43,595 Premises and Fixed Assets: ............................. 291 Other Real Estate: ................................................ 0 Other Assets: .................................................... 858 Total Assets: ................................................ 76,763 Total Trust Assets:................................................ 0 Charter Number: 342 Date: June 16, 1911 County: Pike Deposits:...................................................... 62,393 Federal Funds and Borrowings: ......................... 52 Other Liabilities:................................................ 310 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 62,755 Total Equity Capital: .................................... 14,008 Total Liabilities and Capital:......................... 76,763 Number of Shares Outstanding: .................. 18,750 Directors: Clarence Anthony; Gary Chambliss; Buford Hendrix; Darwin Hendrix; Kent Hendrix; Cecil E. Johnson, III; James E. May; Jerry Milam; Rusty Silvey Branches in Town: None Other Branches: Prescott First State Bank of DeQueen DeQueen, AR VOICE: (870) 642-4423 FAX: (870) 642-2847 Population: 0 402 West Collin Raye Drive Charter Number: 731 P. O. Box 970 Date: August 26, 1974 71832-0970 County: Sevier Trust Powers: No Member of Federal Reserve System Bank Holding Company First State Bancshares, Inc., DeQueen, AR Chm: Dennis Smiley EVP: Noel Bard CEO/Pres: Gary L. Golden Cash and Due from:....................................... 4,810 Federal Funds and Repos: ................................... 0 Investments: .................................................. 7,829 Net Loans: ................................................... 28,294 Premises and Fixed Assets: .......................... 2,958 Other Real Estate: .............................................. 40 Other Assets: ................................................. 1,209 Total Assets: ................................................ 45,140 Total Trust Assets:................................................ 0 Deposits:...................................................... 36,291 Federal Funds and Borrowings: .................... 4,442 Other Liabilities:................................................ 131 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 40,864 Total Equity Capital: ...................................... 4,276 Total Liabilities and Capital:......................... 45,140 Number of Shares Outstanding: .................. 76,000 Directors: Gary Bell; Julie Brown; Gary L. Golden; Lou Ellen Gray; Robert S. Harris; Ronald Moore; Edward Revels; Dennis Smiley; Don Stemple; Doug Suttle Branches in Town: One Other Branches: Lockesburg Ninetieth Report 49 DeWitt Bank And Trust Company DeWitt, AR VOICE: (870) 946-3531 FAX: (870) 946-2815 Population: 0 Chm: Nancy F. Rasco Pres: Ben Bolton Second and Jefferson Streets Charter Number: 605 P. O. Drawer 71 Date: March 1, 1929 72042-0071 County: Arkansas Trust Powers: Yes Bank Holding Company DBT Financial Corporation, DeWitt, AR EVP: Gary Oltmann VP/TO: David Jessup Cash and Due from:....................................... 2,646 Federal Funds and Repos: ............................ 7,300 Investments:................................................. 19,457 Net Loans:.................................................... 78,675 Premises and Fixed Assets: ............................. 992 Other Real Estate: ............................................ 188 Other Assets: ................................................. 4,863 Total Assets: .............................................. 114,121 Total Trust Assets: ....................................... 33,439 Deposits: ...................................................... 93,303 Federal Funds and Borrowings:........................ 491 Other Liabilities: ................................................ 553 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 94,347 Total Equity Capital:..................................... 19,774 Total Liabilities and Capital:....................... 114,121 Number of Shares Outstanding: .................. 54,000 Directors: Ben Bolton; E. E. Denman; Donald Ray Dickson; James L. Fly, Jr.; Alton R. Hampton; Charles E. Lumsden; Gary Oltmann; 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: 5,238 130 West Waterman Street Charter Number: 278 P. O. Box 187 Date: May 10, 1909 71639-0187 County: Desha Home Page: www.mfbanknet.com Trust Powers: Yes Bank Holding Company M & F Financial Corporation, Dumas, AR CEO/Pres: J. Michael Jones EVP: Betty B. Trites Chm/COO: L. Ashton Adcock TO: Glenda B. Owen Cash and Due from:....................................... 5,952 Federal Funds and Repos: ................................... 0 Investments:................................................. 22,424 Net Loans:.................................................... 42,580 Premises and Fixed Assets: .......................... 1,348 Other Real Estate: ................................................ 0 Other Assets: ................................................. 3,903 Total Assets: ................................................ 76,207 Total Trust Assets: ....................................... 18,557 Deposits: ...................................................... 62,238 Federal Funds and Borrowings:..................... 5,331 Other Liabilities: ................................................ 134 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 67,703 Total Equity Capital:....................................... 8,504 Total Liabilities and Capital:......................... 76,207 Number of Shares Outstanding: .................. 40,000 Directors: L. Ashton Adcock; Jimmie L. Appleberry; Benny M. Estes; Claud T. Frank; Bruce Gasaway; Marion S. Gill; J. Michael Jones; Don Livingston; William W. Shea; David Walt Branches in Town: One Other Branches: None 50 Arkansas State Bank Department First Financial Bank El Dorado, AR VOICE: (870) 863-7000 FAX: (870) 881-5393 Population: 21,530 214 North Washington Street Charter Number: 778 P. O. Box 1754 Date: April 15, 1999 71730-1754 County: Union Trust Powers: No Member of Federal Reserve System Bank Holding Company First Financial Banc Corporation, El Dorado, AR CEO: J. Stephen Cameron CFO: Melissa Jerry Pres: Rodney Landes COO: Jerry Bullard Cash and Due from:..................................... 19,156 Federal Funds and Repos: ................................... 0 Investments: ................................................ 13,957 Net Loans: ................................................. 391,421 Premises and Fixed Assets: .......................... 3,685 Other Real Estate: ............................................ 531 Other Assets: ............................................... 35,281 Total Assets: .............................................. 464,031 Total Trust Assets:................................................ 0 Deposits:.................................................... 364,807 Federal Funds and Borrowings: .................. 63,038 Other Liabilities:............................................. 2,095 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 429,940 Total Equity Capital: .................................... 34,091 Total Liabilities and Capital:....................... 464,031 Number of Shares Outstanding: ................ 654,398 Directors: Edwin B. Alderson, Jr.; Jerry Bullard; J. Stephen Cameron; Chris Hegi; Robert Merkle; John D. Milam; James M. Moore, Jr.; Dr. Robert M. Murfee; Margaret M. Niel; Jeffrey W. Nolan; William C. Nolan, Jr.; Gary W. Sewell; Dr. Stephen C. Smart; Louis Knox White Branches in Town: Four Other Branches: Smackover Timberland Bank El Dorado, AR VOICE: (870) 862-5900 FAX: (870) 862-5432 Population: 21,530 2421 North West Avenue Charter Number: 785 P. O. Box 7205 Date: August 22, 2000 71730 County: Union Home Page: www.TimberlandBank.Net Trust Powers: No Bank Holding Company Timberland Bancshares, Inc., El Dorado, AR Pres: Tandy Menefee SVP: Carolyn Beavers EVP: Mark Turner Cash and Due from:....................................... 3,743 Federal Funds and Repos: ............................ 4,510 Investments: .................................................. 9,453 Net Loans: ................................................... 91,456 Premises and Fixed Assets: .......................... 1,245 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,815 Total Assets: .............................................. 112,222 Total Trust Assets:................................................ 0 Deposits:...................................................... 99,037 Federal Funds and Borrowings: .................... 1,658 Other Liabilities:................................................ 736 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 101,431 Total Equity Capital: .................................... 10,791 Total Liabilities and Capital:....................... 112,222 Number of Shares Outstanding: ................ 187,890 Directors: Rolan Brevard; Walter Felton; John Hays; John Lowery, Jr.; Bob McBrayer; Tandy Menefee; Alan R. Morgan; L. Andrew Sheppard Branches in Town: None Other Branches: None Ninetieth Report 51 Bank of England England, AR VOICE: (501) 842-2555 FAX: (501) 842-2422 Population: 2,972 123 South Main Street Charter Number: 48 P. O. Box 70 Date: August 8, 1898 72046-0070 County: Lonoke Trust Powers: No Bank Holding Company MHBC Investments Limited Partnership, I, England, AR Chm/CEO/Pres: Gary Canada, Sr. VP: Bobby Montgomery EVP: Hanna B. Canada Cash: Sheila Rice Cash and Due from:....................................... 2,405 Federal Funds and Repos: ................................... 0 Investments:................................................. 16,981 Net Loans:.................................................... 99,868 Premises and Fixed Assets: .......................... 2,086 Other Real Estate: ................................................ 9 Other Assets: ................................................. 4,539 Total Assets: .............................................. 125,888 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 96,679 Federal Funds and Borrowings:................... 18,935 Other Liabilities: ................................................ 864 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 116,478 Total Equity Capital:....................................... 9,410 Total Liabilities and Capital:....................... 125,888 Number of Shares Outstanding: .................. 10,000 Directors: James Neal Anderson; Brad Canada; Gary Canada, Jr.; Gary Canada, Sr.; Hanna B. Canada; Samuel C. Cobb; Leon Hill; Nicole Canada Stewart Branches in Town: One Other Branches: Carlisle, Lonoke, Scott The Eudora Bank Eudora, AR VOICE: (870) 355-8311 FAX: (870) 355-8509 Population: 2,819 111 North Main Street Charter Number: 629 P. O. Box 250 Date: December 23, 1930 71640-0250 County: Chicot Trust Powers: No Bank Holding Company Delta Bancshares of Louisiana, Inc., Eudora, AR Chm: Charles F. Poole EVP: Julie Petty CEO/Pres: Gene Keith Cash and Due from:.......................................... 615 Federal Funds and Repos: ............................... 440 Investments:................................................. 14,634 Net Loans:.................................................... 15,602 Premises and Fixed Assets: ............................. 131 Other Real Estate: ................................................ 0 Other Assets: .................................................... 619 Total Assets: ................................................ 32,041 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 29,274 Federal Funds and Borrowings:............................ 0 Other Liabilities: ................................................ 158 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 29,432 Total Equity Capital:....................................... 2,609 Total Liabilities and Capital:......................... 32,041 Number of Shares Outstanding: .................. 14,000 Directors: Kay Avery; Robert D. Avery; Fred W. Hensley; Roger Hensley, Sr.; Gene Keith; Charles F. Poole; W. R. Selman Branches in Town: None Other Branches: None 52 Arkansas State Bank Department Bank of Eureka Springs Eureka Springs, AR VOICE: (479) 253-8241 FAX: (479) 253-6947 Population: 2,278 70 South Main Charter Number: 374 P. O. Box 309 Date: May 4, 1912 72632-0309 County: Carroll Home Page: www.bankeureka.com Trust Powers: No Bank Holding Company Eureka Bancshares, Inc., Eureka Springs, AR Pres: Charles T. Cross Cash: Reba Pyatt Cash and Due from:....................................... 2,084 Federal Funds and Repos: ................................. 50 Investments: ................................................ 22,715 Net Loans: ................................................... 61,527 Premises and Fixed Assets: .......................... 6,055 Other Real Estate: .............................................. 43 Other Assets: ................................................. 4,108 Total Assets: ................................................ 96,582 Total Trust Assets:................................................ 0 Deposits:...................................................... 70,220 Federal Funds and Borrowings: .................. 14,899 Other Liabilities:................................................ 283 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 85,402 Total Equity Capital: .................................... 11,180 Total Liabilities and Capital:......................... 96,582 Number of Shares Outstanding: .................... 4,000 Directors: James D. Bird; Genes L. Bland; Andrew J. Clark; Charles T. Cross; Claude C. Cross; John F. Cross; Ruth F. Cross; Lewis E. Epley, Jr.; William E. Goff; Rex A. Gustin; Michael Mathews; Archie B. Ryan, Jr.; Randy Wolfinbarger Branches in Town: One Other Branches: Holiday Island (2) Ninetieth Report 53 Arvest Bank Fayetteville, AR VOICE: (479) 575-1000 FAX: (479) 575-1061 Population: 58,047 One McIlroy Plaza Charter Number: 31 P. O. Box 1327 Date: December 24, 1892 72702-1327 County: Washington Home Page: www.arvest.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Arvest Holdings, Inc., Bentonville, AR Chm/CEO: Jim C. Walton EVP: J. Robert Kelly Pres/COO: K. Kevin Sabin EVP: Phillip O. Porter Cash and Due from:................................... 227,113 Federal Funds and Repos: ........................ 354,000 Investments:............................................ 1,033,285 Net Loans:............................................... 4,888,619 Premises and Fixed Assets: ...................... 231,807 Other Real Estate: ......................................... 5,220 Other Assets: ............................................. 428,246 Total Assets: ........................................... 7,168,290 Total Trust Assets: ................................................ 0 Deposits: ................................................. 5,990,968 Federal Funds and Borrowings:................. 413,590 Other Liabilities: ........................................... 49,892 Subordinated Debt:............................................... 0 Total Liabilities: ....................................... 6,454,450 Total Equity Capital:................................... 713,840 Total Liabilities and Capital:.................... 7,168,290 Number of Shares Outstanding: ................ 350,692 Directors: Claudia Bratcher; Cliff Gibbs; Scott Grigsby; J. Robert Kelly; Bradley Krieger; Mel Parks; Phillip O. Porter; K. Kevin Sabin; Jim C. Walton Branches in Town: Nine Other Branches: Ada[OK], Anderson[MO], Bartlesville[OK] (5), Bella Vista (3), Benton (2), Bentonville (6), Berryville (2), Bixby[OK], Broken Arrow[OK] (3), Bryant (2), Bull Shoals, Cabot, Carthage[MO] (2), Centerton, Chickasha[OK], Choctaw[OK], Clarksville, Conway (3), Del City[OK], Dewey[OK] (2), Duncan[OK] (3), Edmond[OK] (3), Elkins, Eufaula[OK], Eureka Springs, Farmington, Flippin, Fort Smith (9), Gentry, George Town [Cayman Islands], Gravette, Greenwood, Harrison (2), Hindsville, Holiday Island, Hot Springs (3), Huntsville (2), Jacksonville, Jay[OK], Joplin[MO] (5), Kansas [OK], Lawton[OK] (3), Lead Hill, Lincoln, Little Rock (13), Lonoke, Lowell, Maumelle, McAlester[OK], Mena, Miami[OK], Midwest City[OK], Moore[OK], Morrilton, Mountain Home, Muskogee[OK], Neosho[MO] (2), Noel[MO], Norman[OK] (6), North Little Rock (4), Nowata[OK] (2), Oklahoma City[OK] (7), Okmulgee[OK], Owasso[OK] (2), Paris, Pea Ridge, Poteau[OK], Prairie Grove (2), Pryor[OK], Rogers (5), Russellville (2), Sallisaw[OK], Sand Springs[OK], Sapulpa[OK], Shawnee[OK] (3), Shell Knob[MO], Sherwood (2), Siloam Springs (2), Springdale (6), Stilwell[OK], Tulsa[OK] (17), Van Buren (3), Vinita[OK], Wagoner[OK], Walters[OK], Webb City[MO], West Fork, Westville[OK], Yellville, Yukon[OK] Arkansas State Bank Department 54 Community Bank of North Arkansas Fayetteville, AR VOICE: (479) 973-2265 FAX: (479) 973-2201 Population: 58,047 1685 East Joyce Blvd. 72703 Charter Number: 377 Date: June 1, 1912 County: Washington Home Page: www.communitybnk.com Trust Powers: No Bank Holding Company Community Investment, Inc., Fayetteville, AR Chm/CEO/Pres: Robert Y. Taylor EVP: P. Doug Lynch Cash and Due from:....................................... 4,273 Federal Funds and Repos: ............................ 2,475 Investments: .................................................. 7,740 Net Loans: ................................................. 182,441 Premises and Fixed Assets: .......................... 5,008 Other Real Estate: ............................................ 585 Other Assets: ................................................. 9,449 Total Assets: .............................................. 211,971 Total Trust Assets:................................................ 0 Deposits:.................................................... 150,458 Federal Funds and Borrowings: .................. 35,000 Other Liabilities:................................................ 651 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 186,109 Total Equity Capital: .................................... 25,862 Total Liabilities and Capital:....................... 211,971 Number of Shares Outstanding: .................. 10,000 Directors: Shirley Blackston; Joyce R. Bunch; John Ed Chambers, III; Kathy Counce; Robert Y. Taylor Branches in Town: None Other Branches: Elkins (2), Goshen, Rogers, Springdale (2) Fordyce Bank & Trust Company Fordyce, AR VOICE: (870) 352-3107 FAX: (870) 352-5202 Population: 4,799 200 West Fourth Street 71742-2202 Charter Number: 631 Date: January 5, 1931 County: Dallas Home Page: www.fordycebank.com Trust Powers: Yes Bank Holding Company FBT Bancshares, Inc., Fordyce, AR Chm/CEO/Pres/TO: James V. Hulse, Jr. EVP: Don Lyle EVP: Suzette Crutchfield SVP/Cash: Wanda Smurl Cash and Due from:....................................... 2,423 Federal Funds and Repos: ............................ 1,760 Investments: ................................................ 20,219 Net Loans: ................................................... 61,885 Premises and Fixed Assets: .......................... 1,941 Other Real Estate: ................................................ 0 Other Assets: ................................................. 2,759 Total Assets: ................................................ 90,987 Total Trust Assets:......................................... 1,049 Deposits:...................................................... 72,860 Federal Funds and Borrowings: .................. 10,277 Other Liabilities:................................................ 393 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 83,530 Total Equity Capital: ...................................... 7,457 Total Liabilities and Capital:......................... 90,987 Number of Shares Outstanding: .................... 8,000 Directors: Joe D. Barnes; Suzette Crutchfield; J. W. Hearnsberger; James V. Hulse, Jr.; Melvin Jackson; Roy McClain; John N. Summers; Charles B. Trussell; Clyde Williams Branches in Town: One Other Branches: Rison, White Hall Ninetieth Report 55 Planters & Merchants Bank Gillett, AR VOICE: (870) 548-2211 FAX: (870) 548-2220 Population: 819 210 West Main Charter Number: 721 P. O. Box 357 Date: January 13, 1967 72055-0357 County: Arkansas Trust Powers: Yes Bank Holding Company Planters & Merchants Bancshares, Inc., Gillett, AR Chm: Frank C. Wolfe VP: Carl Gunter CEO/Pres/TO: Larry E. Bauer Cash: Alice Perritt Cash and Due from:....................................... 2,757 Federal Funds and Repos: ................................... 0 Investments:................................................. 11,740 Net Loans:.................................................... 11,662 Premises and Fixed Assets: ............................. 462 Other Real Estate: .............................................. 67 Other Assets: ................................................. 1,572 Total Assets: ................................................ 28,260 Total Trust Assets: ......................................... 1,558 Deposits: ...................................................... 23,092 Federal Funds and Borrowings:..................... 1,550 Other Liabilities: ................................................ 244 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 24,886 Total Equity Capital:....................................... 3,374 Total Liabilities and Capital:......................... 28,260 Number of Shares Outstanding: .................. 12,000 Directors: Larry E. Bauer; Johnny Holzhauer; Scott Place; Darrall A. Richter; Larry Smith; Bobby Turner; Frank C. Wolfe; Monty Young Branches in Town: None Other Branches: None Arkansas Diamond Bank Glenwood, AR VOICE: (870) 356-2121 Broadway and Pulliam Charter Number: 398 FAX: (870) 356-2211 P. O. Box 800 Date: December 27, 1912 Population: 1,751 71943-0800 County: Pike Home Page: www.arkansasdiamondbank.com Trust Powers: No Bank Holding Company Bainum Bancorp, Glenwood, AR Chm: Timothy E. Bainum SVP: Lynda Robbins CEO/Pres: Harold A. Smith Cash and Due from:....................................... 2,843 Federal Funds and Repos: ............................... 330 Investments:................................................. 33,903 Net Loans:.................................................... 64,446 Premises and Fixed Assets: .......................... 3,137 Other Real Estate: ............................................ 973 Other Assets: ................................................. 2,461 Total Assets: .............................................. 108,093 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 95,661 Federal Funds and Borrowings:..................... 1,422 Other Liabilities: ................................................ 182 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 97,265 Total Equity Capital:..................................... 10,828 Total Liabilities and Capital:....................... 108,093 Number of Shares Outstanding: .................. 44,000 Directors: Evea J. Bainum; Timothy E. Bainum; Richard L. Cox; Larry Mitchell; Harold A. Smith; Phillip Smith; L. J. Warneke Branches in Town: One Other Branches: Hot Springs, Mena, Mount Ida 56 Arkansas State Bank Department Bank of Gravett Gravette, AR VOICE: (479) 787-5251 FAX: (479) 787-6102 Population: 1,810 211 SE Main Street Charter Number: 46 P. O. Box 149 Date: February 28, 1898 72736-0149 County: Benton Trust Powers: No Bank Holding Company Gravett Bancshares, Inc., Gravette, AR CEO/Pres: John R. Meade VP: Jim A. Edmonson EVP: David N. Wills VP: Malcolm Winters Cash and Due from:..................................... 11,887 Federal Funds and Repos: ............................... 820 Investments: ................................................ 77,250 Net Loans: ................................................. 122,429 Premises and Fixed Assets: .......................... 3,514 Other Real Estate: ............................................ 106 Other Assets: ................................................. 6,503 Total Assets: .............................................. 222,509 Total Trust Assets:................................................ 0 Deposits:.................................................... 200,687 Federal Funds and Borrowings: ....................... 370 Other Liabilities:................................................ 313 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 201,370 Total Equity Capital: .................................... 21,139 Total Liabilities and Capital:....................... 222,509 Number of Shares Outstanding: .................... 4,000 Directors: George Cowgur; Albert P. Dunagin; Sharron Edmondson; Jim A. Edmonson; John R. Meade; William R. Meade; David N. Wills Branches in Town: One Other Branches: Centerton, Hiwasse First Service Bank Greenbrier, AR VOICE: (501) 679-7300 FAX: (501) 679-6461 Population: 3,042 134 South Broadview Charter Number: 732 P. O. Box 430 Date: October 15, 1976 72058-0430 County: Faulkner Home Page: www.FirstServiceBank.com Trust Powers: No Bank Holding Company First Service Bancshares, Inc., Dermott, AR Chm: Daniel C. Horton Reg Pres: Phillip Ellis CEO/Pres: Thomas H. Grumbles CFO: Kenneth Barnard Cash and Due from:....................................... 4,538 Federal Funds and Repos: ................................... 0 Investments: ................................................ 14,549 Net Loans: ................................................... 88,007 Premises and Fixed Assets: .......................... 3,388 Other Real Estate: ............................................ 865 Other Assets: ................................................. 2,422 Total Assets: .............................................. 113,769 Total Trust Assets:................................................ 0 Deposits:...................................................... 97,897 Federal Funds and Borrowings: .................... 6,141 Other Liabilities:................................................ 559 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 104,597 Total Equity Capital: ...................................... 9,172 Total Liabilities and Capital:....................... 113,769 Number of Shares Outstanding: .................. 15,000 Directors: James Beavers; Paul Bone; Dr. Gary Bowman; Melton Cotton; Thomas H. Grumbles; Jim Hawks; Dr. Kyle D. Hensley; Daniel C. Horton; Dois "Dyke" Johnson; Jerry Kimbrough; Veda McCaslin; Larry Oaks Branches in Town: None Other Branches: Clinton (2), Dermott, Marshall, Shirley Ninetieth Report 57 Farmers Bank Greenwood, AR VOICE: (479) 996-4171 100 West Center Charter Number: 243 FAX: (479) 996-6700 P. O. Box 610 Date: August 7, 1907 Population: 7,112 72936-0610 County: Sebastian Home Page: www.farmersbankandtrust.com Trust Powers: Yes Bank Holding Company Wilkinson Banking Corporation, Greenwood, AR Chm: Elizabeth Wilkinson Pres/Cash/TO: Edward Wilkinson CEO: Stanhope Wilkinson SVP: Tresa Lowe Cash and Due from:....................................... 4,307 Federal Funds and Repos: ............................ 1,275 Investments:................................................. 53,556 Net Loans:.................................................. 105,569 Premises and Fixed Assets: ........................ 14,242 Other Real Estate: ......................................... 1,289 Other Assets: ................................................. 2,987 Total Assets: .............................................. 183,225 Total Trust Assets: ......................................... 1,170 Deposits: .................................................... 147,358 Federal Funds and Borrowings:........................ 111 Other Liabilities: ................................................ 532 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 148,001 Total Equity Capital:..................................... 35,224 Total Liabilities and Capital:....................... 183,225 Number of Shares Outstanding: .................... 7,500 Directors: Tresa Lowe; Edward Wilkinson; Elizabeth Wilkinson; Norman Wilkinson; Stanhope Wilkinson; Susan Wilkinson Branches in Town: One Other Branches: Bonanza, Fort Smith (2), Hackett, Hartford, Huntington Farmers Bank Hamburg, AR VOICE: (870) 853-5222 FAX: (870) 853-2333 Population: 3,039 Chm: John W. Spivey Pres: Michael Townsend 210 North Main Charter Number: 680 P. O. Box 350 Date: March 10, 1941 71646-0350 County: Ashley Trust Powers: No Bank Holding Company None VP: Virginia Bowman Cash and Due from:....................................... 2,127 Federal Funds and Repos: ............................ 2,355 Investments:................................................. 14,077 Net Loans:.................................................... 15,064 Premises and Fixed Assets: ............................. 933 Other Real Estate: .............................................. 81 Other Assets: ................................................. 3,144 Total Assets: ................................................ 37,781 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 33,233 Federal Funds and Borrowings:.......................... 45 Other Liabilities: .................................................. 44 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 33,322 Total Equity Capital:....................................... 4,459 Total Liabilities and Capital:......................... 37,781 Number of Shares Outstanding: .................. 22,260 Directors: Phillip E. Barnes, Sr.; Robert B. Barnes; S. J. Clark; William E. Foote, IV; Nancy C. Foote Spivey; William E. Johnson; Jack Shell; John W. Spivey; Bobby J. Witherington Branches in Town: None Other Branches: Crossett 58 Arkansas State Bank Department Calhoun County Bank Hampton, AR VOICE: (870) 798-2207 FAX: (870) 798-4830 Population: 1,579 302 West Main Street P. O. Box 8 71744-0008 Trust Powers: No Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm/CEO/Pres: Searcy W. Harrell, Jr. AVP: Myra Dunn EVP: Delois Kitchens Cash and Due from:....................................... 2,838 Federal Funds and Repos: ................................... 0 Investments: ................................................ 12,293 Net Loans: ................................................... 20,000 Premises and Fixed Assets: ............................. 179 Other Real Estate: ............................................ 140 Other Assets: ................................................. 1,631 Total Assets: ................................................ 37,081 Total Trust Assets:................................................ 0 Charter Number: 220 Date: October 26, 1906 County: Calhoun Deposits:...................................................... 31,828 Federal Funds and Borrowings: ....................... 780 Other Liabilities:.................................................. 89 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 32,697 Total Equity Capital: ...................................... 4,384 Total Liabilities and Capital:......................... 37,081 Number of Shares Outstanding: .................... 4,000 Directors: L. D. Becton, III; Gene Dereuisseaux; Phillip J. Foster; Carl Harrell; Jonathan W. Harrell; Searcy W. Harrell, Jr.; Richard L. Smith; Jannette H. Strickland; D. W. Wells; H. M. Welsh Branches in Town: None Other Branches: None The Bank of Harrisburg Harrisburg, AR VOICE: (870) 578-2472 FAX: (870) 578-2049 Population: 2,192 201 East Jackson 72432-0017 Charter Number: 620 Date: December 2, 1930 County: Poinsett Trust Powers: No Bank Holding Company Lake Hamilton Enterprises, Inc., Little Rock, AR Chm: Jim Tom Butler Pres: James Williams CEO: Paul D. Eaton, Sr. SVP: Bill Elliott, Jr. Cash and Due from:....................................... 2,489 Federal Funds and Repos: ............................... 116 Investments: ................................................ 33,740 Net Loans: ................................................... 24,966 Premises and Fixed Assets: ............................. 385 Other Real Estate: ............................................ 299 Other Assets: ................................................. 3,055 Total Assets: ................................................ 65,050 Total Trust Assets:................................................ 0 Deposits:...................................................... 56,400 Federal Funds and Borrowings: ....................... 600 Other Liabilities:................................................ 352 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 57,352 Total Equity Capital: ...................................... 7,698 Total Liabilities and Capital:......................... 65,050 Number of Shares Outstanding: .................... 4,000 Directors: Donald Britnell; Connie Butler; Jim Tom Butler; Patricia Butler; Beth Eaton; Paul D. Eaton, Sr.; Bill Elliott, Jr.; John M. Henry; James Williams Branches in Town: None Other Branches: None Ninetieth Report 59 Community First Bank Harrison, AR VOICE: (870) 391-8000 FAX: (870) 391-8081 Population: 12,152 200 East Ridge Charter Number: 772 P. O. Box 913 Date: October 14, 1997 72602-0913 County: Boone Home Page: www.communityfirstbank.com Trust Powers: Yes Bank Holding Company Community First Bancshares, Inc., Harrison, AR Chm/CEO: William King Gladden Pres: David Morton Cash and Due from:....................................... 4,613 Federal Funds and Repos: ............................ 1,025 Investments:................................................. 37,388 Net Loans:.................................................. 242,336 Premises and Fixed Assets: .......................... 7,791 Other Real Estate: ............................................ 402 Other Assets: ................................................. 5,402 Total Assets: .............................................. 298,957 Total Trust Assets: ................................................ 0 Deposits: .................................................... 255,870 Federal Funds and Borrowings:................... 19,814 Other Liabilities: ............................................. 1,577 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 277,261 Total Equity Capital:..................................... 21,696 Total Liabilities and Capital:....................... 298,957 Number of Shares Outstanding: .................. 60,000 Directors: Joe Bennett, M.D.; Dan R. Bowers; John O. Campbell; J. Kirkwood Dupps; L. Eugene Durand; Leota Edwards; William King Gladden; Jim Harp; Richard Hudson; Jerry Maland; Meredith Miller; David Morton; James Nelson; Jim Sprott Branches in Town: One Other Branches: Berryville, Eureka Springs The Cleburne County Bank Heber Springs, AR VOICE: (501) 362-2456 FAX: (501) 362-4554 Population: 6,432 806 West Main Charter Number: 626 P. O. Box 1560 Date: December 16, 1930 72543-1560 County: Cleburne Home Page: www.firstteambank.com Trust Powers: No Bank Holding Company Lake Hamilton Enterprises, Inc., Little Rock, AR Chm: Jim Tom Butler Pres/COO: R. Dale Miller CEO: Paul D. Eaton, Sr. SVP: Keith McHan Cash and Due from:....................................... 3,625 Federal Funds and Repos: ................................... 0 Investments:............................................... 101,216 Net Loans:.................................................... 91,182 Premises and Fixed Assets: .......................... 2,255 Other Real Estate: ......................................... 2,323 Other Assets: ................................................. 9,656 Total Assets: .............................................. 210,257 Total Trust Assets: ................................................ 0 Deposits: .................................................... 175,977 Federal Funds and Borrowings:................... 12,944 Other Liabilities: ............................................. 1,232 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 190,153 Total Equity Capital:..................................... 20,104 Total Liabilities and Capital:....................... 210,257 Number of Shares Outstanding: .................... 1,200 Directors: Walter Aldridge; Connie Butler; Jim Tom Butler; Patricia Butler; Beth Eaton; Paul D. Eaton, Sr.; John M. Henry; Richie A. Lee; Stan Lee; R. Dale Miller; Wetzel Stark Branches in Town: Two Other Branches: Center Ridge, Concord, Damascus, Greenbrier, Greers Ferry, Guy, Marshall, Pangburn, Quitman 60 Arkansas State Bank Department Greers Ferry Lake State Bank Heber Springs, AR VOICE: (501) 362-5883 FAX: (501) 362-0820 Population: 6,432 1230 Highway 25B North Charter Number: 755 P. O. Box 970 Date: July 26, 1991 72543-0970 County: Cleburne Home Page: www.gflsb.com Trust Powers: No Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/CEO: Jim S. Gowen, Sr. EVP: Gary Yow Pres/COO: Jim S. Gowen, Jr. VP: Wendell Cassell Cash and Due from:....................................... 1,778 Federal Funds and Repos: ................................... 0 Investments: ................................................ 13,425 Net Loans: ................................................... 30,785 Premises and Fixed Assets: .......................... 1,213 Other Real Estate: ............................................ 433 Other Assets: ................................................. 1,574 Total Assets: ................................................ 49,208 Total Trust Assets:................................................ 0 Deposits:...................................................... 38,866 Federal Funds and Borrowings: .................... 5,708 Other Liabilities:................................................ 205 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 44,779 Total Equity Capital: ...................................... 4,429 Total Liabilities and Capital:......................... 49,208 Number of Shares Outstanding: .................. 60,000 Directors: Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Dr. Troy A. Gray; Gerald A. Saracini Branches in Town: None Other Branches: Clinton, Greers Ferry Heber Springs State Bank Heber Springs, AR VOICE: (501) 362-5821 FAX: (501) 362-9348 Population: 6,432 Second and Main Streets Charter Number: 735 P. O. Box 1030 Date: May 7, 1977 72543-0030 County: Cleburne Trust Powers: Yes Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Harry L. Hastings, Jr. SVP: Jack Barber CEO/Pres: Bill G. Lynch SVP/COO/Cash: Janice Parrott Cash and Due from:....................................... 2,561 Federal Funds and Repos: ............................ 8,015 Investments: ................................................ 34,417 Net Loans: ................................................... 68,511 Premises and Fixed Assets: .......................... 5,105 Other Real Estate: ............................................ 248 Other Assets: ................................................. 1,890 Total Assets: .............................................. 120,747 Total Trust Assets:................................................ 0 Deposits:.................................................... 101,251 Federal Funds and Borrowings: .................... 8,111 Other Liabilities:................................................ 254 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 109,616 Total Equity Capital: .................................... 11,131 Total Liabilities and Capital:....................... 120,747 Number of Shares Outstanding: .................. 17,656 Directors: H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Bill G. Lynch; Catherine H. Owen Branches in Town: One Other Branches: Drasco, Fairfield Bay, Greers Ferry, Quitman, Rose Bud, Vilonia Ninetieth Report 61 Horatio State Bank Horatio, AR VOICE: (870) 832-2501 FAX: (870) 832-2577 Population: 997 123 Main Street Charter Number: 179 P. O. Box 347 Date: May 15, 1905 71842-0347 County: Sevier Trust Powers: No Bank Holding Company Pioneer Bancshares, Inc. of Horatio, Arkansas, Horatio, AR Chm/CEO/Pres: Carl E. Hendrix, III SVP: Edith H. Smith EVP: Wilburn Smith VP: C. E. Hendrix, Jr. Cash and Due from:..................................... 14,008 Federal Funds and Repos: ............................ 2,145 Investments:................................................. 12,162 Net Loans:.................................................... 42,430 Premises and Fixed Assets: ............................. 766 Other Real Estate: ................................................ 0 Other Assets: .................................................... 742 Total Assets: ................................................ 72,253 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 64,503 Federal Funds and Borrowings:............................ 0 Other Liabilities: ................................................ 223 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 64,726 Total Equity Capital:....................................... 7,527 Total Liabilities and Capital:......................... 72,253 Number of Shares Outstanding: .................... 2,000 Directors: Margaret S. Griffin; C. E. Hendrix, Jr.; Carl E. Hendrix, III; Edith H. Smith; Wilburn Smith; Elizabeth H. Trimble; Todd B. Trimble Branches in Town: None Other Branches: None Simmons First Bank of Hot Springs Hot Springs, AR VOICE: (501) 318-1000 FAX: (501) 318-1015 Population: 35,750 100 Werner Drive Charter Number: 769 P. O. Box 22000 Date: April 17, 1997 71903 County: Garland Home Page: www.simmonsfirst.com Trust Powers: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO/Pres: David L. Bartlett EVP: Ronnie Twyford EVP: Steven Trusty Cash and Due from:....................................... 9,696 Federal Funds and Repos: ................................... 0 Investments:................................................. 58,987 Net Loans:.................................................... 66,800 Premises and Fixed Assets: .......................... 1,713 Other Real Estate: ................................................ 0 Other Assets: ............................................... 20,483 Total Assets: .............................................. 157,679 Total Trust Assets: ................................................ 0 Deposits: .................................................... 117,048 Federal Funds and Borrowings:................... 14,084 Other Liabilities: ............................................. 1,568 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 132,700 Total Equity Capital:..................................... 24,979 Total Liabilities and Capital:....................... 157,679 Number of Shares Outstanding: .................. 29,264 Directors: David L. Bartlett; Stuart A. Fleischner, D.D.S.; Louis F. Kleinman; James "Bart" Newman; John D. Selig; Sam A. Stathakis, Jr.; Sara Stough; Gene Thomason Branches in Town: Four Other Branches: None Arkansas State Bank Department 62 First State Bank of Northwest Arkansas Huntsville, AR VOICE: (479) 738-2147 FAX: (479) 738-1255 Population: 1,931 Highway 412 West Charter Number: 756 P. O. Box 667 Date: July 26, 1991 72740-0667 County: Madison Trust Powers: Yes Bank Holding Company BTS Bancshares, Inc., Springdale, AR CEO/Pres: Curtis Hutchins SVP/Cash: Marivel Radcliffe SVP: Dave Seal VP: Danny McCarroll Cash and Due from:....................................... 3,332 Federal Funds and Repos: ............................... 835 Investments: .................................................. 9,896 Net Loans: ................................................... 44,157 Premises and Fixed Assets: .......................... 1,105 Other Real Estate: ............................................ 349 Other Assets: ................................................. 2,550 Total Assets: ................................................ 62,224 Total Trust Assets:................................................ 0 Deposits:...................................................... 49,593 Federal Funds and Borrowings: .................... 5,000 Other Liabilities:................................................ 347 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 54,940 Total Equity Capital: ...................................... 7,284 Total Liabilities and Capital:......................... 62,224 Number of Shares Outstanding: .................. 27,000 Directors: Curtis Hutchins; Sam Mathias; Bobby W. Thompson Branches in Town: None Other Branches: Fayetteville, Hindsville First Arkansas Bank & Trust Jacksonville, AR VOICE: (501) 982-4511 FAX: (501) 982-5769 Population: 29,916 600 West Main Charter Number: 701 P. O. Box 827 Date: August 2, 1949 72078-0827 County: Pulaski Home Page: www.Firstarkansasbank.com Trust Powers: Yes Bank Holding Company First Arkansas BancShares, Inc., Jacksonville, AR Chm/CEO/Pres: Larry T. Wilson TO: Pat Teague EVP: Ken Southern Cash and Due from:....................................... 9,913 Federal Funds and Repos: ................................... 0 Investments: ................................................ 69,779 Net Loans: ................................................. 168,447 Premises and Fixed Assets: .......................... 7,167 Other Real Estate: ................................................ 0 Other Assets: ................................................. 7,401 Total Assets: .............................................. 262,707 Total Trust Assets:....................................... 78,671 Deposits:.................................................... 196,712 Federal Funds and Borrowings: .................. 24,184 Other Liabilities:............................................. 2,315 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 223,211 Total Equity Capital: .................................... 39,496 Total Liabilities and Capital:....................... 262,707 Number of Shares Outstanding: ................ 200,000 Directors: John A. Davis; Bartus M. Gray, Jr.; William A. Gwatney; John C. Hardwick; Alton Higginbotham; Bruce McFadden; Kathryn W. Roberts; Ken Southern; Larry T. Wilson; Michael K. Wilson Branches in Town: Five Other Branches: Cabot (3), El Paso, Gravel Ridge, North Little Rock Ninetieth Report 63 American State Bank Jonesboro, AR VOICE: (870) 972-9800 2201 Fair Park Charter Number: 262 FAX: (870) 930-9311 P. O. Box 3080 Date: October 3, 1908 Population: 55,515 72403 County: Craighead Home Page: www.american-state-bank.com Trust Powers: Yes Bank Holding Company American State Bank Corporation, Jonesboro, AR Chm/CEO : Frank Oldham EVP: Judy Dacus Pres/COO: Steve Gramling EVP: David Dudley Cash and Due from:..................................... 10,922 Federal Funds and Repos: ................................... 0 Investments:................................................. 92,363 Net Loans:.................................................. 180,110 Premises and Fixed Assets: ........................ 11,594 Other Real Estate: ............................................ 834 Other Assets: ................................................. 8,929 Total Assets: .............................................. 304,752 Total Trust Assets: ................................................ 0 Deposits: .................................................... 254,292 Federal Funds and Borrowings:................... 27,238 Other Liabilities: ............................................. 1,032 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 282,562 Total Equity Capital:..................................... 22,190 Total Liabilities and Capital:....................... 304,752 Number of Shares Outstanding: .................... 4,000 Directors: David Dudley; Rogers Ford; Steve Gramling; Philip A. Jones; J. Steven McFerron; Jerry McIntosh; Frank Oldham; Don B. Vollman, Jr.; Larry Wamble; Linda Warhurst; Joe D. Wessell; Keith W. White; Joe A. Williams; Perry L. Wilson; R. E. L. Wilson, V; Steve A. Wilson Branches in Town: Two Other Branches: Marmaduke, Osceola, Paragould (2), Pocahontas, Wilson Heritage Bank Jonesboro, AR VOICE: (870) 802-2344 FAX: (870) 268-2033 Population: 55,515 2009 Browns Lane Charter Number: 703 P. O. Box 3020 Date: January 23, 1951 72403-3020 County: Craighead Home Page: www.heritagebankark.com Trust Powers: No Bank Holding Company Heritage Capital Corporation, Jonesboro, AR Chm: Larry Grisham SVP/CFO: Diane Steiling CEO/Pres: Stephen D. May Cash and Due from:....................................... 6,202 Federal Funds and Repos: ................................... 0 Investments:................................................. 28,035 Net Loans:.................................................. 146,409 Premises and Fixed Assets: .......................... 5,932 Other Real Estate: ............................................ 739 Other Assets: ................................................. 4,000 Total Assets: .............................................. 191,317 Total Trust Assets: ................................................ 0 Deposits: .................................................... 153,380 Federal Funds and Borrowings:................... 20,284 Other Liabilities: ................................................ 687 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 174,351 Total Equity Capital:..................................... 16,966 Total Liabilities and Capital:....................... 191,317 Number of Shares Outstanding: .................. 10,000 Directors: Dr. Ronald Burnett; Jim Fulkerson; Richard Gray; Larry Grisham; Stephen D. May; Oscar Melton, Jr.; Diane Steiling; Leon Swihart; Bob Troutt Branches in Town: Two Other Branches: Caraway, Leachville, Manila, Monette Arkansas State Bank Department 64 Liberty Bank of Arkansas Jonesboro, AR VOICE: (870) 934-9000 FAX: (870) 268-1525 Population: 55,515 2901 East Highland Drive Charter Number: 787 P. O. Box 7514 Date: January 24, 2001 72403 County: Craighead Home Page: www.mylibertybank.com Trust Powers: Yes Bank Holding Company Liberty Bancshares, Inc., Jonesboro, AR Chm/CEO: Wallace W. Fowler Pres: John C. Freeman VChm: Mark P. Fowler EVP/TO: Aubrey Avants Cash and Due from:....................................... 7,664 Federal Funds and Repos: .......................... 17,035 Investments: .............................................. 175,700 Net Loans: ................................................. 547,386 Premises and Fixed Assets: ........................ 35,671 Other Real Estate: ......................................... 1,931 Other Assets: ............................................... 24,925 Total Assets: .............................................. 810,312 Total Trust Assets:..................................... 107,305 Deposits:.................................................... 696,933 Federal Funds and Borrowings: .................. 37,175 Other Liabilities:............................................. 3,964 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 738,072 Total Equity Capital: .................................... 72,240 Total Liabilities and Capital:....................... 810,312 Number of Shares Outstanding: ................ 867,033 Directors: Wayne F. Baker; Susan Cathcart; Richard Darouse; Chris E. Fowler; Jama M. Fowler; Mark P. Fowler; Wallace W. Fowler; John C. Freeman; Moud Gazaway; Stacy Greene; Raymond Heern; Al M. Heringer, III; Sam W. Hummelstein; Mike Langford; Charles Luter; Lloyd H. McCracken, Jr.; Matt Parker; James E. Way; William C. Young, Jr. Branches in Town: Seven Other Branches: Bay, Highland, Monette, Paragould (3), Rector Simmons First Bank of Jonesboro Jonesboro, AR VOICE: (870) 933-8000 FAX: (870) 933-3189 Population: 55,515 1720 South Caraway Road Charter Number: 734 P. O. Box 1720 Date: December 22, 1976 72403-1720 County: Craighead Home Page: www.simmonsfirst.com Trust Powers: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Barry K. Ledbetter SVP/Sec: Wayne Bond Cash and Due from:....................................... 2,719 Federal Funds and Repos: ............................... 236 Investments: ................................................ 17,308 Net Loans: ................................................. 188,406 Premises and Fixed Assets: .......................... 4,460 Other Real Estate: .............................................. 83 Other Assets: ................................................. 2,543 Total Assets: .............................................. 215,755 Total Trust Assets:................................................ 0 Deposits:.................................................... 184,177 Federal Funds and Borrowings: .................. 13,722 Other Liabilities:............................................. 1,148 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 199,047 Total Equity Capital: .................................... 16,708 Total Liabilities and Capital:....................... 215,755 Number of Shares Outstanding: ................ 175,000 Directors: Dennis Abell; Marty D. Casteel; Barry K. Ledbetter; Scott Mixon; Ben Owens, Jr.; David Pyle; Jim Scurlock; Berl A. Smith; J. C. Vaughn, Jr.; Mark Wimpy Branches in Town: Three Other Branches: Weiner Ninetieth Report 65 Pine State Bank Kingsland, AR VOICE: (870) 348-5657 FAX: (870) 348-1002 Population: 449 First Street Charter Number: 165 P. O. Box 85 Date: August 22, 1904 71652-0085 County: Cleveland Trust Powers: No Bank Holding Company Pine State Bancshares, Inc., Kingsland, AR Chm/CEO: M. Don Smith Pres: Sheila Harrison Smith Cash and Due from:....................................... 2,347 Federal Funds and Repos: ............................ 1,185 Investments:................................................... 3,256 Net Loans:.................................................... 10,235 Premises and Fixed Assets: ............................. 632 Other Real Estate: .............................................. 99 Other Assets: .................................................... 174 Total Assets: ................................................ 17,928 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 16,328 Federal Funds and Borrowings:............................ 0 Other Liabilities: ................................................ 116 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 16,444 Total Equity Capital:....................................... 1,484 Total Liabilities and Capital:......................... 17,928 Number of Shares Outstanding: .................... 3,060 Directors: Carol L. Carson; Del Alan Smith; M. Don Smith; Sheila Harrison Smith Branches in Town: None Other Branches: Fordyce, New Edinburg, Rison The Bank of Lake Village Lake Village, AR VOICE: (870) 265-2241 FAX: (870) 265-2125 Population: 2,823 201 Main Street Charter Number: 675 P. O. Box 727 Date: October 14, 1937 71653-0727 County: Chicot Home Page: www.bankoflakevillage.com Trust Powers: No Bank Holding Company Southeast Arkansas Bank Corporation, Lake Village, AR Chm: Charles H. Weissinger, Jr. VChm: William W. Bunker CEO/Pres: Terence J. Alpe Sec: Kenneth D. Vandervort Cash and Due from:....................................... 1,339 Federal Funds and Repos: ................................... 0 Investments:................................................. 15,402 Net Loans:.................................................... 41,784 Premises and Fixed Assets: .......................... 1,889 Other Real Estate: .............................................. 84 Other Assets: ................................................. 2,893 Total Assets: ................................................ 63,391 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 49,680 Federal Funds and Borrowings:..................... 7,715 Other Liabilities: .................................................. 90 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 57,485 Total Equity Capital:....................................... 5,906 Total Liabilities and Capital:......................... 63,391 Number of Shares Outstanding: .................. 60,000 Directors: Terence J. Alpe; Sam E. Angel; William W. Bunker; Dr. John P. Burge, Sr.; David F. Gillison, Jr.; Dr. Marvin D. Loyd, DDS; Joseph J. Pieroni; Charles H. Weissinger, Jr.; Guy Mattingly Weissinger Branches in Town: One Other Branches: None Arkansas State Bank Department 66 Simmons First Bank of South Arkansas Lake Village, AR VOICE: (870) 265-5366 FAX: (870) 265-5558 Population: 2,823 417 Main Street Charter Number: 716 P. O. Box 271 Date: June 12, 1962 71653-0271 County: Chicot Home Page: www.simmonsfirst.com Trust Powers: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm: Ben V. Floriani SVP: William F. “Bill” Wisener CEO/Pres: Freddie G. Black SVP: Terry Wood Cash and Due from:....................................... 8,219 Federal Funds and Repos: ................................... 0 Investments: ................................................ 31,127 Net Loans: ................................................... 78,650 Premises and Fixed Assets: .......................... 3,685 Other Real Estate: ............................................ 103 Other Assets: ................................................. 4,233 Total Assets: .............................................. 126,017 Total Trust Assets:................................................ 0 Deposits:.................................................... 111,983 Federal Funds and Borrowings: .................... 1,024 Other Liabilities:................................................ 533 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 113,540 Total Equity Capital: .................................... 12,477 Total Liabilities and Capital:....................... 126,017 Number of Shares Outstanding: .................. 12,500 Directors: Freddie G. Black; Robert G. Bridewell; Michael S. Cashion; Thomas D. Deen; Ben V. Floriani; A. O. French, Jr.; James W. Haddock; Craig Hunt; Lester Pinkus; Beverly M. Rowe; Jerry Selby; Joe Dan Yee Branches in Town: One Other Branches: Dermott, Dumas, Monticello Little River Bank Lepanto, AR VOICE: (870) 475-2306 FAX: (870) 475-3070 Population: 2,133 202 Greenwood Charter Number: 498 P. O. Box 340 Date: November 21, 1919 72354-0340 County: Poinsett Home Page: www.littleriverbank.com Trust Powers: Yes Bank Holding Company Little River Bancshares, Inc., Lepanto, AR CEO/Pres: Thomas M. Hargrove VP: Benjamin E. Perry VP: Lois Criddle VP: Ara Sharp Cash and Due from:....................................... 3,846 Federal Funds and Repos: ............................... 650 Investments: ................................................ 29,421 Net Loans: ................................................... 16,814 Premises and Fixed Assets: ............................. 249 Other Real Estate: .............................................. 41 Other Assets: ................................................. 1,044 Total Assets: ................................................ 52,065 Total Trust Assets:................................................ 0 Deposits:...................................................... 36,385 Federal Funds and Borrowings: .................. 10,000 Other Liabilities:.................................................. 91 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 46,476 Total Equity Capital: ...................................... 5,589 Total Liabilities and Capital:......................... 52,065 Number of Shares Outstanding: .................. 10,000 Directors: Thomas M. Hargrove; Julanne Ingram; W. Kent Ingram, Jr.; Hadley Ingram Arnold; Junaway Payne; Benjamin E. Perry; Ernest B. Portis; Juliet Portis; Danette P. Watkins; Henry G. Watkins, III Branches in Town: None Other Branches: None Ninetieth Report 67 Arkansas Bankers' Bank Little Rock, AR VOICE: (501) 371-0535 FAX: (501) 375-2281 Population: 183,133 1020 West Second Street 72201-2031 Charter Number: 752 Date: April 17, 1990 County: Pulaski Home Page: www.arbankersbank.com Trust Powers: No Member of Federal Reserve System Bank Holding Company Arkansas Bankers' Bancorporation, Inc., Little Rock, AR Chm: Thomas H. Grumbles SVP: Boyd Rothwell CEO/Pres: James N. Thomason Cash and Due from:....................................... 6,749 Federal Funds and Repos: .......................... 77,730 Investments:............................................... 133,303 Net Loans:.................................................... 15,644 Premises and Fixed Assets: ............................. 875 Other Real Estate: ................................................ 0 Other Assets: ................................................. 7,434 Total Assets: .............................................. 241,735 Total Trust Assets: ................................................ 0 Deposits: .................................................... 177,845 Federal Funds and Borrowings:................... 48,060 Other Liabilities: ............................................. 1,108 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 227,013 Total Equity Capital:..................................... 14,722 Total Liabilities and Capital:....................... 241,735 Number of Shares Outstanding: .................. 50,000 Directors: Lunsford W. Bridges; Gary R. Canada; Martin B. Carpenter; Thomas H. Grumbles; Larry Mashburn; Stephen E. Stafford; James N. Thomason Branches in Town: None Other Branches: None Bank of Little Rock Little Rock, AR VOICE: (501) 376-0800 FAX: (501) 376-1642 Population: 183,133 200 North State Street Charter Number: 748 P. O. Box 34090 Date: May 4, 1989 72203-4090 County: Pulaski Home Page: www.bankoflittlerock.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Little Rock Bankshares, Inc., Little Rock, AR Chm/CEO: Eugene L. Maris EVP: Larry R. Brown Pres: George G. Worthen SVP/Cash: Lee A. Swearingen Cash and Due from:....................................... 7,078 Federal Funds and Repos: ............................ 1,280 Investments:................................................. 27,905 Net Loans:.................................................... 60,986 Premises and Fixed Assets: .......................... 3,885 Other Real Estate: ......................................... 1,848 Other Assets: ................................................. 1,749 Total Assets: .............................................. 104,731 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 93,187 Federal Funds and Borrowings:............................ 0 Other Liabilities: ................................................ 427 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 93,614 Total Equity Capital:..................................... 11,117 Total Liabilities and Capital:....................... 104,731 Number of Shares Outstanding: ................ 100,000 Directors: J. Harry Leggett, Jr.; Eugene L. Maris; James M. May, III; Stephen W. Plunkett; Steven C. Russell; George G. Worthen Branches in Town: Three Other Branches: None 68 Arkansas State Bank Department Bank of the Ozarks Little Rock, AR VOICE: (501) 978-2265 FAX: (501) 978-2205 Population: 183,133 12615 Chenal Parkway Charter Number: 121 P. O. Box 8811 Date: March 24, 1903 72231-8811 County: Pulaski Home Page: www.bankozarks.com Trust Powers: Yes Bank Holding Company Bank of the Ozarks, Inc., Little Rock, AR Chm/CEO: George G. Gleason, II CFO: Paul E. Moore VChm/Pres/COO: Mark D. Ross TO: Rex Kyle Cash and Due from:..................................... 30,488 Federal Funds and Repos: ................................... 0 Investments: .............................................. 361,030 Net Loans: .............................................. 1,006,086 Premises and Fixed Assets: ........................ 55,313 Other Real Estate: ............................................ 480 Other Assets: ............................................... 57,956 Total Assets: ........................................... 1,511,353 Total Trust Assets:..................................... 380,851 Deposits:................................................. 1,196,845 Federal Funds and Borrowings: ................ 194,929 Other Liabilities:............................................. 2,667 Subordinated Debt:............................................... 0 Total Liabilities:....................................... 1,394,441 Total Equity Capital: .................................. 116,912 Total Liabilities and Capital:.................... 1,511,353 Number of Shares Outstanding: .................... 2,340 Directors: Jean Arehart; Steven M. Arnold; Richard L. Cisne; Jerry W. Davis; Robert C. East; George G. Gleason, II; Linda D. Gleason; Porter Hillard; Henry Mariani; James A. Matthews; R. L. Qualls; Mark D. Ross; Kennith Smith; Robert P. Trevino Branches in Town: Six Other Branches: Alma, Altus, Bellefonte, Benton, Bryant (2), Cabot (2), Clarksville (2), Clinton, Conway (4), Fort Smith (3), Frisco[TX], Harrison (2), Jasper, Lonoke, Lonsdale, Marshall, Maumelle, Mountain Home, Mulberry, North Little Rock (2), Ozark (2), Paris, Russellville (2), Van Buren (2), Western Grove, Yellville Ninetieth Report 69 The Capital Bank Little Rock, AR VOICE: (501) 228-6000 FAX: (501) 228-6006 Population: 183,133 12224 Chenal Parkway Charter Number: 771 P. O. Box 8210 Date: July 30, 1997 72211 County: Pulaski Home Page: www.thecapitalbank.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Capital Bancshares, Inc., Little Rock, AR CEO/Pres: Kyle E. Patton VP/CFO: Catherine Davis EVP: Bonnie Crocheron Cash and Due from:....................................... 3,285 Federal Funds and Repos: ................................... 0 Investments:................................................. 63,237 Net Loans:.................................................... 39,268 Premises and Fixed Assets: .......................... 1,810 Other Real Estate: ............................................ 108 Other Assets: ................................................. 2,296 Total Assets: .............................................. 110,004 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 90,192 Federal Funds and Borrowings:................... 12,326 Other Liabilities: ................................................ 996 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 103,514 Total Equity Capital:....................................... 6,490 Total Liabilities and Capital:....................... 110,004 Number of Shares Outstanding: .................. 32,013 Directors: Melinda Ballard; Jack Hartsell; Dr. Joseph S. Murphy; Joseph W. Park; Kyle E. Patton; Warren Stephenson Branches in Town: None Other Branches: North Little Rock Eagle Bank & Trust Company Little Rock, AR VOICE: (501) 223-2000 FAX: (501) 223-0373 Population: 183,133 650 South Shackleford, Suite 150 Charter Number: 720 P. O. Box 22120 Date: July 28, 1966 72212 County: Pulaski Home Page: www.eaglebank.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Harry L. Hastings, Jr. SVP: Laura Bogoslavsky CEO/Pres/Cash/TO: Randall K. Herlocker SVP/Cash: Paul Castleberry Cash and Due from:....................................... 2,600 Federal Funds and Repos: ................................... 0 Investments:................................................. 42,220 Net Loans:.................................................... 40,403 Premises and Fixed Assets: ............................. 928 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,480 Total Assets: ................................................ 87,631 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 71,594 Federal Funds and Borrowings:..................... 8,934 Other Liabilities: ................................................ 222 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 80,750 Total Equity Capital:....................................... 6,881 Total Liabilities and Capital:......................... 87,631 Number of Shares Outstanding: .................... 8,000 Directors: H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Randall K. Herlocker; Catherine H. Owen Branches in Town: One Other Branches: Gravel Ridge, North Little Rock, Sherwood (3) Arkansas State Bank Department 70 Pulaski Bank And Trust Company Little Rock, AR VOICE: (501) 661-7700 FAX: (501) 661-7380 Population: 183,133 5800 R Street Charter Number: 710 P. O. Box 7299 Date: August 29, 1955 72217-7299 County: Pulaski Home Page: www.pulaskibank.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Pulaski Investment Corporation, Little Rock, AR Chm: James C. East Pres: William C. Scholl CEO: J. Hunter East TO: Robert Plummer Cash and Due from:..................................... 15,916 Federal Funds and Repos: ................................... 0 Investments: ................................................ 41,944 Net Loans: ................................................. 282,744 Premises and Fixed Assets: ........................ 14,189 Other Real Estate: ............................................ 185 Other Assets: ............................................... 12,136 Total Assets: .............................................. 367,114 Total Trust Assets:..................................... 122,452 Deposits:.................................................... 312,237 Federal Funds and Borrowings: .................. 10,751 Other Liabilities:............................................. 5,914 Subordinated Debt:........................................ 6,000 Total Liabilities:.......................................... 334,902 Total Equity Capital: .................................... 32,212 Total Liabilities and Capital:....................... 367,114 Number of Shares Outstanding: .................... 1,850 Directors: Albert B. Braunfisch; J. Hunter East; James C. East; Robert C. Magee; William C. Scholl; David E. Snowden, Jr.; Dr. Kent Westbrook, M.D.; Mark V. Williamson Branches in Town: Six Other Branches: Bryant, Memphis[TN], North Little Rock (2) First State Bank Lonoke, AR VOICE: (501) 676-3106 FAX: (501) 676-5046 Population: 4,287 101 South Center Street P. O. Box 320 72086-0320 Home Page: www.firststatebk.com Trust Powers: No Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Chm: Neil Bennett, Jr. EVP: J. Bruce Loftin CEO/Pres: David R. Estes Cash and Due from:....................................... 4,138 Federal Funds and Repos: ................................... 0 Investments: ................................................ 43,622 Net Loans: ................................................. 157,223 Premises and Fixed Assets: .......................... 3,974 Other Real Estate: ................................................ 0 Other Assets: ................................................. 4,468 Total Assets: .............................................. 213,425 Total Trust Assets:................................................ 0 Charter Number: 670 Date: March 9, 1935 County: Lonoke Deposits:.................................................... 175,769 Federal Funds and Borrowings: .................. 15,717 Other Liabilities:................................................ 747 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 192,233 Total Equity Capital: .................................... 21,192 Total Liabilities and Capital:....................... 213,425 Number of Shares Outstanding: .................. 16,000 Directors: Robert S. Bailey, Jr.; Neil Bennett, Jr.; Richard Bransford; Charles L. Cabe, Jr.; David R. Estes; William Fletcher, Jr.; Stan Green; J. L. Griffin; Tommy Lively; J. Bruce Loftin; J. Walls McCrary; Joe P. Melton, Jr.; Daina B. Newcomb; Marvin D. Thaxton, Jr. Branches in Town: One Other Branches: Carlisle, Fayetteville, Gurdon Ninetieth Report 71 Farmers Bank and Trust Company Magnolia, AR VOICE: (870) 235-7000 FAX: (870) 235-7010 Population: 10,858 200 East Main Street Charter Number: 217 P. O. Box 250 Date: September 26, 1906 71754-0250 County: Columbia Home Page: www.fbtarkansas.com Trust Powers: Yes Bank Holding Company Magnolia Banking Corporation, Magnolia, AR Chm/CEO/Pres: Bob L. Burns EVP/CLO: Steve Keith SVP/CFO: Janna B. Snider COO/TO: Bruce D. Maloch Cash and Due from:....................................... 6,593 Federal Funds and Repos: ................................... 0 Investments:............................................... 146,595 Net Loans:.................................................. 232,862 Premises and Fixed Assets: .......................... 7,568 Other Real Estate: ............................................ 508 Other Assets: ............................................... 16,184 Total Assets: .............................................. 410,310 Total Trust Assets: ....................................... 89,650 Deposits: .................................................... 338,932 Federal Funds and Borrowings:................... 26,490 Other Liabilities: ............................................. 3,774 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 369,196 Total Equity Capital:..................................... 41,114 Total Liabilities and Capital:....................... 410,310 Number of Shares Outstanding: ................ 100,000 Directors: John E. Alexander, Jr.; Ronny J. Bell; Bob L. Burns; Hayden Franks; Steve Keith; Bruce D. Maloch; Ronnie Ribble; Ken Sibley; T. E. Smith Branches in Town: Three Other Branches: Camden (4), Springhill[LA] The Peoples Bank Magnolia, AR VOICE: (870) 234-5777 FAX: (870) 234-3384 Population: 10,858 500 North Jackson Charter Number: 313 P. O. Box 340 Date: June 22, 1910 71754-0340 County: Columbia Trust Powers: Yes Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm: S. Clark Fincher Pres: Todd D. Smith CEO: Mary L. Fowler EVP: Scott N. White Cash and Due from:....................................... 3,818 Federal Funds and Repos: ................................... 0 Investments:................................................. 10,765 Net Loans:.................................................... 29,221 Premises and Fixed Assets: .......................... 1,423 Other Real Estate: ............................................ 278 Other Assets: .................................................... 272 Total Assets: ................................................ 45,777 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 40,185 Federal Funds and Borrowings:........................ 580 Other Liabilities: ................................................ 120 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 40,885 Total Equity Capital:....................................... 4,892 Total Liabilities and Capital:......................... 45,777 Number of Shares Outstanding: .................. 10,000 Directors: Jonathan Baird; Dorothy J. Fincher; Harold H. Fincher; S. Clark Fincher; Mary L. Fowler; Betty Harris; Betty L. Scott; Gerald F. Scott; J. David Scott; Todd D. Smith; Scott N. White Branches in Town: One Other Branches: Waldo Arkansas State Bank Department 72 Southern State Bank Malvern, AR VOICE: (501) 332-2462 FAX: (501) 332-8437 Population: 9,021 521 East Page Charter Number: 763 P. O. Box 340 Date: December 31, 1992 72104-0340 County: Hot Spring Home Page: www.southernstatebank.com Trust Powers: No Bank Holding Company Southern State Bancshares, Inc., Malvern, AR Chm/CEO/Pres: Donald A. Walsh VP: Johnny Gibbs EVP: Sue Stinnett Cash and Due from:....................................... 1,314 Federal Funds and Repos: ............................... 422 Investments: ................................................ 20,928 Net Loans: ................................................... 41,304 Premises and Fixed Assets: .......................... 2,711 Other Real Estate: ............................................ 395 Other Assets: ................................................. 2,110 Total Assets: ................................................ 69,184 Total Trust Assets:................................................ 0 Deposits:...................................................... 55,501 Federal Funds and Borrowings: .................... 7,500 Other Liabilities:................................................ 517 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 63,518 Total Equity Capital: ...................................... 5,666 Total Liabilities and Capital:......................... 69,184 Number of Shares Outstanding: .................. 15,906 Directors: Don Allen; William B. Birch; Mitchell Burris; George Hopkins; Frank McClure; Martha McClure; William H. McClure; Sue Stinnett; Donald A. Walsh Branches in Town: One Other Branches: Haskell First Community Bank of Eastern Arkansas Marion, AR VOICE: (870) 739-7300 FAX: (870) 739-2234 Population: 8,901 205 Block Street Charter Number: 775 P. O. Box 747 Date: October 8, 1998 72364-0747 County: Crittenden Home Page: www.firstcommunitybank.us Trust Powers: Yes Bank Holding Company None Chm: Michael D. East EVP: Jack Nall CEO/Pres: Donny Underwood EVP/CFO: Thomas J. Anderson Cash and Due from:....................................... 3,357 Federal Funds and Repos: ................................... 0 Investments: ................................................ 13,246 Net Loans: ................................................... 30,794 Premises and Fixed Assets: .......................... 1,234 Other Real Estate: ................................................ 0 Other Assets: .................................................... 789 Total Assets: ................................................ 49,420 Total Trust Assets:................................................ 0 Deposits:...................................................... 40,625 Federal Funds and Borrowings: .................... 1,230 Other Liabilities:................................................ 171 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 42,026 Total Equity Capital: ...................................... 7,394 Total Liabilities and Capital:......................... 49,420 Number of Shares Outstanding: .................. 38,726 Directors: Michael D. East; Frank A. Fogleman; Julian Hardin; Allen B. Helms, Jr.; Matthew L. Pike, III; Adolph Pirani; Mark A. Pirani; James A. Ross; Samuel H. Stuckey, Jr.; William Bart Turner; Donny Underwood; David S. Wallace; Charles L. Williams, Jr. Branches in Town: None Other Branches: West Memphis Ninetieth Report 73 First Delta Bank Marked Tree, AR VOICE: (870) 358-6000 FAX: (870) 358-6001 Population: 2,800 214 Hester Parker Drive Charter Number: 704 P. O. Box 635 Date: October 31, 1951 72365-0635 County: Poinsett Trust Powers: No Bank Holding Company Tyronza Bancshares, Inc., Marked Tree, AR Chm: George E. Beley VP: Angela Lewis CEO/Pres: Chris M. Lehman Cash and Due from:....................................... 4,126 Federal Funds and Repos: ................................... 0 Investments:................................................. 19,633 Net Loans:.................................................... 20,619 Premises and Fixed Assets: .......................... 1,059 Other Real Estate: ............................................ 515 Other Assets: .................................................... 650 Total Assets: ................................................ 46,602 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 40,411 Federal Funds and Borrowings:........................ 930 Other Liabilities: ................................................ 368 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 41,709 Total Equity Capital:....................................... 4,893 Total Liabilities and Capital:......................... 46,602 Number of Shares Outstanding: .................... 2,000 Directors: Charles A. Banks; George E. Beley; Chris M. Lehman; Charles F. Luter; H. F. Norcross, III; Eugene Vaughn; Lewis M. Wood Branches in Town: None Other Branches: Trumann, Tyronza Bank of McCrory McCrory, AR VOICE: (870) 731-2521 FAX: (870) 731-2859 Population: 1,850 124 Edmonds Avenue Charter Number: 128 P. O. Box 370 Date: June 8, 1903 72101-0370 County: Woodruff Trust Powers: Yes Bank Holding Company M. D. Thompson & Son Co., McCrory, AR Chm: Ian Arnof Cash/TO: Bobby Trotter CEO/Pres: Sean H. Williams Cash and Due from:....................................... 1,498 Federal Funds and Repos: ............................ 1,850 Investments:................................................. 27,153 Net Loans:.................................................... 34,477 Premises and Fixed Assets: ............................. 378 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,042 Total Assets: ................................................ 66,398 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 58,735 Federal Funds and Borrowings:............................ 0 Other Liabilities: .................................................. 75 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 58,810 Total Equity Capital:....................................... 7,588 Total Liabilities and Capital:......................... 66,398 Number of Shares Outstanding: .................. 20,000 Directors: Ian Arnof; John D. Eldridge, III; Fletcher C. Lewis; G. L. Morris, Jr.; H. Ripley Thompson; John G. Thompson; Vance M. Thompson, III; Sean H. Williams Branches in Town: None Other Branches: None 74 Arkansas State Bank Department McGehee Bank McGehee, AR VOICE: (870) 222-3151 FAX: (870) 222-6159 Population: 4,570 301 North Second Street Charter Number: 661 P. O. Box 787 Date: December 5, 1933 71654-0787 County: Desha Home Page: www.mcgeheebank.com Trust Powers: Yes Bank Holding Company Southeast Financial Bankstock Corporation, McGehee, AR Chm/CEO/Pres: William W. Bowman EVP/TO: James M. Smith VChm: John H. Potter, Jr. VP/Cash: Stephen Wilson Cash and Due from:....................................... 9,624 Federal Funds and Repos: ................................... 0 Investments: ................................................ 40,182 Net Loans: ................................................... 57,274 Premises and Fixed Assets: ............................. 213 Other Real Estate: ................................................ 0 Other Assets: ................................................. 2,380 Total Assets: .............................................. 109,673 Total Trust Assets:....................................... 40,912 Deposits:...................................................... 81,827 Federal Funds and Borrowings: .................. 12,250 Other Liabilities:................................................ 684 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 94,761 Total Equity Capital: .................................... 14,912 Total Liabilities and Capital:....................... 109,673 Number of Shares Outstanding: ................ 712,360 Directors: Lee Bowman; William W. Bowman; Bill E. Elliott; Eugene Gilliam; David S. Leech; John H. Potter, Jr.; James N. Smith Branches in Town: One Other Branches: Arkansas City, Tillar, Watson The Union Bank of Mena Mena, AR VOICE: (479) 394-2211 FAX: (479) 394-8901 Population: 5,637 303 Hwy. 71 North Charter Number: 667 P. O. Box 898 Date: July 25, 1934 71953-0898 County: Polk Home Page: www.unionbankofmena.com Trust Powers: No Bank Holding Company Union Bankshares, Inc., Mena, AR Chm: Edward W. Stevenson SVP: Jesse Sullivan CEO/Pres: Philip B. Hensley SVP/CFO: Michael Myers Cash and Due from:....................................... 2,344 Federal Funds and Repos: ................................... 0 Investments: ................................................ 40,331 Net Loans: ................................................... 91,972 Premises and Fixed Assets: .......................... 4,759 Other Real Estate: ............................................ 103 Other Assets: ................................................. 2,057 Total Assets: .............................................. 141,566 Total Trust Assets:................................................ 0 Deposits:.................................................... 115,954 Federal Funds and Borrowings: .................. 11,359 Other Liabilities:................................................ 525 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 127,838 Total Equity Capital: .................................... 13,728 Total Liabilities and Capital:....................... 141,566 Number of Shares Outstanding: .................. 12,000 Directors: Robert A. Carver; John A. Crawford; R. L. Hamilton; Philip B. Hensley; David Maddox; Pauline Morrow; Edward W. Stevenson; Bill L. Wood Branches in Town: None Other Branches: Hatfield, Wickes Ninetieth Report 75 Commercial Bank & Trust Company Monticello, AR VOICE: (870) 367-6221 FAX: (870) 367-7700 Population: 9,146 212 West Gaines Street Charter Number: 396 P. O. Box 150 Date: November 29, 1912 71657-0150 County: Drew Home Page: www.commercial-bank.net Trust Powers: Yes Bank Holding Company Drew Bancshares, Inc., Monticello, AR Pres/COO: George T. Harris SVP/TO: Rusty Smith SVP: Gene Gates Cash and Due from:....................................... 4,672 Federal Funds and Repos: ................................... 0 Investments:................................................. 47,979 Net Loans:.................................................. 103,445 Premises and Fixed Assets: .......................... 1,636 Other Real Estate: ............................................ 272 Other Assets: ................................................. 3,368 Total Assets: .............................................. 161,372 Total Trust Assets: ....................................... 10,558 Deposits: .................................................... 142,661 Federal Funds and Borrowings:..................... 3,359 Other Liabilities: ................................................ 733 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 146,753 Total Equity Capital:..................................... 14,619 Total Liabilities and Capital:....................... 161,372 Number of Shares Outstanding: .................... 8,000 Directors: Joe Brannen; James H. Burks; C. C. Gibson, III; Reginald Glover; George T. Harris; R. D. Jones, Jr.; Wayne L. Owen, Jr.; Bennie Ryburn, III; Bennie F. Ryburn, Jr.; Virginia M. Ryburn; Kim Ward Branches in Town: Three Other Branches: None Union Bank And Trust Company Monticello, AR VOICE: (870) 460-6400 FAX: (870) 460-6465 Population: 9,146 102 West McCloy Charter Number: 448 P. O. Box 270 Date: September 15, 1915 71657-0270 County: Drew Home Page: www.unionbnk.com Trust Powers: Yes Bank Holding Company First Union Financial Corporation, Monticello, AR Chm: Zach McClendon, Jr. EVP/TO: Beverly Hudson CEO/Pres: James P. Jett SVP/Cash: Reathel Harris Cash and Due from:....................................... 4,157 Federal Funds and Repos: ................................... 0 Investments:................................................. 37,516 Net Loans:.................................................. 141,488 Premises and Fixed Assets: .......................... 4,659 Other Real Estate: ............................................ 110 Other Assets: ................................................. 7,873 Total Assets: .............................................. 195,803 Total Trust Assets: ....................................... 17,058 Deposits: .................................................... 169,059 Federal Funds and Borrowings:..................... 9,849 Other Liabilities: ................................................ 716 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 179,624 Total Equity Capital:..................................... 16,179 Total Liabilities and Capital:....................... 195,803 Number of Shares Outstanding: .................. 80,000 Directors: Ted Carmical; Jonathan H. Davis; Charles F. Dearman, Jr.; Robert Dale Handly, Sr.; James P. Jett; John Lipton; John S. McClendon; Robin McClendon; Zach McClendon, Jr.; John Porter Price; Richard Reinhart; David E. Wilkins Branches in Town: Two Other Branches: Dumas, Warren, Wilmar Arkansas State Bank Department 76 Petit Jean State Bank Morrilton, AR VOICE: (501) 354-4988 FAX: (501) 354-6560 Population: 6,550 707 North Saint Joseph Street Charter Number: 777 P. O. Box 680 Date: January 27, 1999 72110 County: Conway Home Page: www.pjsb.com Trust Powers: No Bank Holding Company Petit Jean Bancshares, Inc., Morrilton, AR Chm/Pres: Charles S. Penick EVP: Suzanne Hartman EVP: Paul Edenfield Cash and Due from:....................................... 6,277 Federal Funds and Repos: ................................... 0 Investments: .................................................. 9,215 Net Loans: ................................................... 73,988 Premises and Fixed Assets: ............................. 876 Other Real Estate: ............................................ 844 Other Assets: ................................................. 1,425 Total Assets: ................................................ 92,625 Total Trust Assets:................................................ 0 Deposits:...................................................... 79,499 Federal Funds and Borrowings: .................... 3,044 Other Liabilities:................................................ 243 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 82,786 Total Equity Capital: ...................................... 9,839 Total Liabilities and Capital:......................... 92,625 Number of Shares Outstanding: .................. 50,000 Directors: W. O. Byrd; Hall M. Calhoun, III; Katherine Foust; Michael D. Koone; John Bernard Maus, Jr.; Bruce M. Netherton; Charles Ormond; Charles S. Penick; Larry Wayne Smith; Stanton C. Willis Branches in Town: None Other Branches: None First Security Bank of Mountain Home Mountain Home, AR VOICE: (870) 425-2166 FAX: (870) 424-4353 Population: 11,012 Chm: Reynie Rutledge CEO: Larry G. Nelson Ninth and Baker Streets Charter Number: 147 P. O. Box 1906 Date: August 10, 1906 72654-1906 County: Baxter Home Page: www.fsbmtnhome.com Trust Powers: Yes Bank Holding Company First Security Bancorp, Searcy, AR Pres: Tim Coleman TO: Paul E. Johnson Cash and Due from:....................................... 4,845 Federal Funds and Repos: ............................ 1,215 Investments: .............................................. 109,197 Net Loans: ................................................. 144,667 Premises and Fixed Assets: .......................... 3,504 Other Real Estate: ............................................ 848 Other Assets: ................................................. 4,836 Total Assets: .............................................. 269,112 Total Trust Assets:.............................................. 55 Deposits:.................................................... 232,733 Federal Funds and Borrowings: .................. 13,805 Other Liabilities:................................................ 926 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 247,464 Total Equity Capital: .................................... 21,648 Total Liabilities and Capital:....................... 269,112 Number of Shares Outstanding: ................ 110,000 Directors: Tim Coleman; James Faulkner; D. Eugene Fortson; Donald T. Jack, Jr.; Guy King; James E. Lindsey; Larry G. Nelson; N. T. Rutledge; Reynie Rutledge; W. M. Thompson Branches in Town: Two Other Branches: Bull Shoals, Gassville Ninetieth Report 77 TrustBanc Mountain Home, AR VOICE: (870) 424-4100 FAX: (870) 424-4144 Population: 11,012 665 Highway 62 East Charter Number: 774 P. O. Box 2130 Date: May 12, 1998 72654-2130 County: Baxter Home Page: www.trustbanc.com Trust Powers: Yes Bank Holding Company TrustBanc Financial Group, Inc., Mountain Home, AR Chm: Hugh D. McClain SVP/CFO: Ed McGill CEO/Pres: Phillip H. Young Cash and Due from:....................................... 3,445 Federal Funds and Repos: ............................ 3,575 Investments:................................................. 25,655 Net Loans:.................................................... 71,904 Premises and Fixed Assets: .......................... 4,980 Other Real Estate: ................................................ 0 Other Assets: ................................................. 3,639 Total Assets: .............................................. 113,198 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 83,483 Federal Funds and Borrowings:................... 19,675 Other Liabilities: ................................................ 638 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 103,796 Total Equity Capital:....................................... 9,402 Total Liabilities and Capital:....................... 113,198 Number of Shares Outstanding: ........................... 1 Directors: Ralph L. Brown; Jack Lee Gregory; Elton W. Kirby; Deborah Alford Knox; Hugh D. McClain; John Reese; Phillip H. Young Branches in Town: None Other Branches: None Bank of Mountain View Mountain View, AR VOICE: (870) 269-3815 FAX: (870) 269-2899 Population: 2,876 121 East Main Street Charter Number: 446 P. O. Box 1228 Date: July 21, 1915 72560-1228 County: Stone Trust Powers: No Bank Holding Company Mountain View Bancshares, Inc., Mountain View, AR Chm: Glen Hinkle EVP: Weldon Duncan Pres: James G. Hinkle VP/Cash: Ron Sims Cash and Due from:....................................... 2,156 Federal Funds and Repos: ............................ 2,155 Investments:................................................. 92,741 Net Loans:.................................................... 69,760 Premises and Fixed Assets: .......................... 2,032 Other Real Estate: .............................................. 96 Other Assets: ................................................. 2,600 Total Assets: .............................................. 171,540 Total Trust Assets: ................................................ 0 Deposits: .................................................... 144,053 Federal Funds and Borrowings:..................... 1,203 Other Liabilities: ................................................ 360 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 145,616 Total Equity Capital:..................................... 25,924 Total Liabilities and Capital:....................... 171,540 Number of Shares Outstanding: .................... 4,000 Directors: Glen Hinkle; James G. Hinkle; Kenneth Sutton Branches in Town: One Other Branches: None Arkansas State Bank Department 78 Allied Bank Mulberry, AR VOICE: (479) 997-1154 FAX: (479) 997-1161 Population: 1,627 Chm: Betty Feller CEO: Lex Golden 311 Main Street Charter Number: 81 P. O. Drawer A Date: January 15, 1902 72947-0480 County: Crawford Trust Powers: No Member of Federal Reserve System Bank Holding Company Acme Holding Company, Inc., Mulberry, AR Pres/COO: Alex Golden SVP/Cash: Dianna J. Millsap Cash and Due from:....................................... 2,035 Federal Funds and Repos: ................................... 4 Investments: ................................................ 40,683 Net Loans: ................................................... 74,984 Premises and Fixed Assets: .......................... 2,699 Other Real Estate: .............................................. 45 Other Assets: ................................................. 6,093 Total Assets: .............................................. 126,543 Total Trust Assets:................................................ 0 Deposits:.................................................... 109,503 Federal Funds and Borrowings: .................... 5,355 Other Liabilities:................................................ 262 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 115,120 Total Equity Capital: .................................... 11,423 Total Liabilities and Capital:....................... 126,543 Number of Shares Outstanding: .................... 4,000 Directors: Robert R. Baker; Paula Coward; Jerry T. Dickerson; Betty Feller; Alex Golden; Lex Golden; Randall L. Hollis, Sr.; John Hunter; Amy Golden McCay; Leander J. Muncy, Jr.; L. Jan Nordin; Earl Overton; Ronnie D. Wooten Branches in Town: One Other Branches: Little Rock, Mansfield, Ozark Diamond State Bank Murfreesboro, AR VOICE: (870) 285-2172 FAX: (870) 285-2755 Population: 1,764 Chm: Evea Bainum CEO/Pres: John A. Ross 319 East Main Charter Number: 175 P. O. Box 279 Date: December 19, 1904 71958-0279 County: Pike Trust Powers: No Bank Holding Company Bainum Bancorp II, Glenwood, AR Cash: Brenda Roberts Cash and Due from:....................................... 5,827 Federal Funds and Repos: ............................ 3,800 Investments: ................................................ 59,005 Net Loans: ................................................. 111,120 Premises and Fixed Assets: .......................... 4,028 Other Real Estate: ............................................ 143 Other Assets: ................................................. 3,793 Total Assets: .............................................. 187,716 Total Trust Assets:................................................ 0 Deposits:.................................................... 165,548 Federal Funds and Borrowings: .................... 7,292 Other Liabilities:................................................ 527 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 173,367 Total Equity Capital: .................................... 14,349 Total Liabilities and Capital:....................... 187,716 Number of Shares Outstanding: .................. 10,296 Directors: Tim Brotherton; Evea Bainum; Timothy Bainum; Robert Evans; Mike Moore; John A. Ross; Bill Spigner; George E. Steel, Jr.; George E. Steel, Sr.; Raymond Walls Branches in Town: None Other Branches: DeQueen, Dierks, Hope, Mineral Springs, Nashville Ninetieth Report 79 Merchants & Planters Bank Newport, AR VOICE: (870) 523-3601 FAX: (870) 523-3473 Population: 7,811 120 Hazel Charter Number: 694 P. O. Box 650 Date: March 20, 1946 72112-0650 County: Jackson Home Page: www.mandpbank.com Trust Powers: Yes Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/CEO/TO: Jim S. Gowen, Sr. SVP: Carla P. Stiger Pres: Jim S. Gowen, Jr. SVP/Cash: Patricia Davis Cash and Due from:....................................... 8,372 Federal Funds and Repos: ............................ 2,500 Investments:................................................. 45,694 Net Loans:.................................................... 78,568 Premises and Fixed Assets: .......................... 6,938 Other Real Estate: ............................................ 284 Other Assets: ................................................. 4,153 Total Assets: .............................................. 146,509 Total Trust Assets: ....................................... 16,816 Deposits: .................................................... 130,935 Federal Funds and Borrowings:..................... 3,319 Other Liabilities: ................................................ 765 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 135,019 Total Equity Capital:..................................... 11,490 Total Liabilities and Capital:....................... 146,509 Number of Shares Outstanding: .................... 9,000 Directors: Roger A. Bowman; Thomas R. Curtner; Terry L. Dillon; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Dr. Troy A. Gray; Mary K. Hardin; Gerald A. Saracini; J. Edward Scoggins Branches in Town: One Other Branches: Batesville (3), McCrory, Newark, Pleasant Plains, Tuckerman Twin City Bank North Little Rock, AR VOICE: (501) 812-1400 FAX: (501) 812-1459 Population: 60,433 2716 Lakewood Village Place P.O. Box 16270 72116 Home Page: www.twincitybank.net Trust Powers: Yes Bank Holding Company TCBancorp, Inc., North Little Rock, AR Chm: Richard H. Ashley SVP: Brent Geels CEO/Pres: Bob Birch TO: Richard Clark Cash and Due from:....................................... 9,369 Federal Funds and Repos: ................................... 0 Investments:............................................... 233,571 Net Loans:.................................................. 224,298 Premises and Fixed Assets: ........................ 13,975 Other Real Estate: ................................................ 0 Other Assets: ............................................... 10,223 Total Assets: .............................................. 491,436 Total Trust Assets: ................................................ 0 Charter Number: 757 Date: July 26, 1991 County: Pulaski Deposits: .................................................... 356,291 Federal Funds and Borrowings:................... 84,626 Other Liabilities: ............................................. 1,822 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 442,739 Total Equity Capital:..................................... 48,697 Total Liabilities and Capital:....................... 491,436 Number of Shares Outstanding: .................. 17,000 Directors: John W. Allison; W. W. Arnold, Jr.; Richard H. Ashley; John Bailey; Bob Birch; Dale Bruns; Sharon Davis; Agustin Fernandez; Barbara McDaniel Graves; Stuart W. Hankins; Johnny Heflin, Jr.; Herren Hickingbotham; Todd Hickingbotham; James Kincannon; Don L. Lindsey, Sr.; Bob Russell; Mary Anne Salmon; Robert Shell Branches in Town: Five Other Branches: Little Rock (8), Sherwood (2) 80 Arkansas State Bank Department Bank of Paragould Paragould, AR VOICE: (870) 236-7000 FAX: (870) 240-8543 Population: 22,017 3005 West Kingshighway Charter Number: 35 P. O. Box 1547 Date: September 19, 1895 72451-1547 County: Greene Home Page: www.bankofparagould.com Trust Powers: No Bank Holding Company Security State Bancshares of Arkansas, Inc., Charleston, MO Chm: Don Burnett SVP: Tim Jarrett CEO/Pres: Glen Burnett Sec: William Clayton Vandivort Cash and Due from:....................................... 1,680 Federal Funds and Repos: ............................... 942 Investments: .................................................. 4,557 Net Loans: ................................................... 83,584 Premises and Fixed Assets: .......................... 3,337 Other Real Estate: ................................................ 8 Other Assets: ................................................. 2,449 Total Assets: ................................................ 96,557 Total Trust Assets:................................................ 0 Deposits:...................................................... 77,828 Federal Funds and Borrowings: .................... 8,256 Other Liabilities:................................................ 271 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 86,355 Total Equity Capital: .................................... 10,202 Total Liabilities and Capital:......................... 96,557 Number of Shares Outstanding: .................. 12,500 Directors: Martin Buchman; Don Burnett; Glen Burnett; Rebecca Dugan; Dean Inman; William Clayton Vandivort Branches in Town: None Other Branches: Marmaduke Southern Bank of Commerce Paragould, AR VOICE: (870) 236-2500 FAX: (870) 236-7283 Population: 22,017 Pres: Greg Miller SVP: John Steele 1727 West Kingshighway Charter Number: 781 P. O. Box 1605 Date: November 4, 1999 72450 County: Greene Trust Powers: Yes Member of Federal Reserve System Bank Holding Company None VP: Donna Miller Cash: Terry Sessums Cash and Due from:....................................... 3,832 Federal Funds and Repos: ................................... 0 Investments: ..................................................... 992 Net Loans: ................................................... 27,963 Premises and Fixed Assets: .......................... 1,636 Other Real Estate: ............................................ 126 Other Assets: .................................................... 621 Total Assets: ................................................ 35,170 Total Trust Assets:................................................ 0 Deposits:...................................................... 30,000 Federal Funds and Borrowings: ....................... 820 Other Liabilities:................................................ 156 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 30,976 Total Equity Capital: ...................................... 4,194 Total Liabilities and Capital:......................... 35,170 Number of Shares Outstanding: ............. 3,742,677 Directors: Dr. Asa A. Crow; Howard Eldridge; Donna Miller; Greg Miller; Louise Miller; Donald Parker Branches in Town: None Other Branches: Brookland, Jonesboro, Leachville Ninetieth Report 81 Delta Trust & Bank Parkdale, AR VOICE: (870) 473-2217 FAX: (870) 473-2492 Population: 377 1853 Highway 165 South Charter Number: 141 P. O. Box 37 Date: February 1, 1910 71661-0037 County: Ashley Home Page: www.delta-trust.com Trust Powers: Yes Bank Holding Company Delta Trust & Banking Corporation, Little Rock, AR Chm: Dewayne Haynes EVP/COO: Bruce Timmons Pres: Carroll Penick SVP/TO: Jim Shenep Cash and Due from:..................................... 13,444 Federal Funds and Repos: ................................... 0 Investments:................................................. 29,209 Net Loans:.................................................. 132,036 Premises and Fixed Assets: .......................... 5,715 Other Real Estate: ......................................... 1,069 Other Assets: ................................................. 4,036 Total Assets: .............................................. 185,509 Total Trust Assets: ..................................... 153,155 Deposits: .................................................... 153,602 Federal Funds and Borrowings:................... 14,179 Other Liabilities: ................................................ 420 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 168,261 Total Equity Capital:..................................... 17,248 Total Liabilities and Capital:....................... 185,509 Number of Shares Outstanding: .................. 16,000 Directors: Carl John Bierbaum; Dewayne Haynes; J. French Hill; Michael Montgomery; James N. Murphy; Carroll Penick; George L. Pugh; Leyden Pugh; Thomas R. Pugh, Jr.; Thomas R. Pugh, Sr.; Neill Sloan; Philip A. Tappan Branches in Town: None Other Branches: Bella Vista, Eudora, Gravette, Hamburg, Little Rock (3), Wilmot First State Bank Parkin, AR VOICE: (870) 755-5401 FAX: (870) 755-5648 Population: 1,602 77 Parkin Avenue Charter Number: 568 P. O. Box 526 Date: June 5, 1925 72373-0526 County: Cross Trust Powers: No Bank Holding Company Parkin Bancorp, Inc., Parkin, AR Chm/CEO: William N. Griffin SVP/Cash: Brenda F. Williams Pres: Edward M. King, III VP: John Cooper Cash and Due from:....................................... 1,203 Federal Funds and Repos: ............................... 245 Investments:................................................... 9,516 Net Loans:.................................................... 10,198 Premises and Fixed Assets: ............................. 170 Other Real Estate: ............................................ 151 Other Assets: .................................................... 412 Total Assets: ................................................ 21,895 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 17,458 Federal Funds and Borrowings:..................... 2,000 Other Liabilities: ................................................ 120 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 19,578 Total Equity Capital:....................................... 2,317 Total Liabilities and Capital:......................... 21,895 Number of Shares Outstanding: .................... 4,000 Directors: Mark Baioni; Fred E. Brenner, Jr.; John A. Brenner; John A. Brenner, Jr.; Raymond S. Clift; John S. Cooper; Elizabeth N. Griffin; Neil Griffin; Russell H. Griffin; William N. Griffin; William N. Griffin, Jr.; Edward M. King, III Branches in Town: None Other Branches: West Memphis 82 Arkansas State Bank Department Chart Bank Perryville, AR VOICE: (501) 889-2318 FAX: (501) 889-5727 Population: 1,458 813 North Fourche Avenue Charter Number: 690 P. O. Box 189 Date: December 8, 1945 72126-0189 County: Perry Home Page: www.mychartbank.com Trust Powers: No Bank Holding Company Perry County Bancshares, Inc., Perryville, AR CEO/Pres: Robert Gregory Connell CFO: Ken Jennings SVP: Joe Carter Cash and Due from:....................................... 2,368 Federal Funds and Repos: ............................ 2,830 Investments: ................................................ 39,462 Net Loans: ................................................... 61,823 Premises and Fixed Assets: .......................... 3,564 Other Real Estate: ............................................ 147 Other Assets: ................................................. 3,719 Total Assets: .............................................. 113,913 Total Trust Assets:................................................ 0 Deposits:...................................................... 87,466 Federal Funds and Borrowings: .................. 14,042 Other Liabilities:................................................ 343 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 101,851 Total Equity Capital: .................................... 12,062 Total Liabilities and Capital:....................... 113,913 Number of Shares Outstanding: .................. 16,000 Directors: Billie Jo Branscum; Herby Branscum, Jr.; James S. Branscum; Lee A. Gibbons; Robert M. Hill; Shirley Hill; J. Baylor House; Tracy M. Price; Jim Rankin Branches in Town: None Other Branches: Bigelow, Morrilton Piggott State Bank Piggott, AR VOICE: (870) 598-3802 FAX: (870) 598-2026 Population: 3,894 212 West Cherry Charter Number: 613 P. O. Box 307 Date: March 10, 1930 72454-0307 County: Clay Home Page: www.piggottstatebank.com Trust Powers: No Bank Holding Company Piggott Bankstock, Inc., Piggott, AR Chm/CEO/Pres: Paula O. Blackwell VP/Cash: James C. Poole VP: Debra A. Mills Cash and Due from:....................................... 4,240 Federal Funds and Repos: ............................ 1,600 Investments: ................................................ 23,348 Net Loans: ................................................... 31,671 Premises and Fixed Assets: ............................. 738 Other Real Estate: ............................................ 101 Other Assets: .................................................... 628 Total Assets: ................................................ 62,326 Total Trust Assets:................................................ 0 Deposits:...................................................... 56,293 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 390 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 56,683 Total Equity Capital: ...................................... 5,643 Total Liabilities and Capital:......................... 62,326 Number of Shares Outstanding: .................... 4,000 Directors: Steve Bell; Paula O. Blackwell; James C. Poole Branches in Town: One Other Branches: None Ninetieth Report 83 Bank of Pocahontas Pocahontas, AR VOICE: (870) 892-5286 FAX: (870) 892-8381 Population: 6,518 1 Bank Plaza Charter Number: 145 P. O. Box 467 Date: October 31, 1903 72455-0467 County: Randolph Trust Powers: No Bank Holding Company Pocahontas Bankstock, Inc., Pocahontas, AR Chm/CEO/Pres: John R. Jackson, Jr. CFO/VP: Terry R. Dickson EVP/COO: G. L. Lieblong VP: Michael L. Miller Cash and Due from:....................................... 4,346 Federal Funds and Repos: .......................... 11,250 Investments:................................................. 39,310 Net Loans:.................................................... 57,624 Premises and Fixed Assets: .......................... 4,049 Other Real Estate: ............................................ 175 Other Assets: ................................................. 1,793 Total Assets: .............................................. 118,547 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 93,827 Federal Funds and Borrowings:................... 11,991 Other Liabilities: ............................................. 2,224 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 108,042 Total Equity Capital:..................................... 10,505 Total Liabilities and Capital:....................... 118,547 Number of Shares Outstanding: .................... 5,000 Directors: Carol Belford-Lewallen; Frank Bigger; Doug Cox; J. Phillip Futrell; John R. Jackson, Jr.; G. L. Lieblong; Michael L. McNabb Branches in Town: One Other Branches: Cave City Home Bank of Arkansas Portland, AR VOICE: (870) 737-2236 FAX: (870) 737-2816 Population: 552 113 Hwy 165 South Charter Number: 251 P. O. Box 178 Date: January 22, 1908 71663-0178 County: Ashley Trust Powers: No Bank Holding Company Peoples Home Holding, Inc., Greenbrier, AR Chm/CEO/Pres: John Stacks VP: Terry Milam CFO/VP: Bill Hannah Cash and Due from:....................................... 1,068 Federal Funds and Repos: ............................ 2,710 Investments:................................................... 2,887 Net Loans:.................................................... 29,374 Premises and Fixed Assets: ............................. 954 Other Real Estate: ................................................ 0 Other Assets: .................................................... 400 Total Assets: ................................................ 37,393 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 33,937 Federal Funds and Borrowings:............................ 0 Other Liabilities: ................................................ 110 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 34,047 Total Equity Capital:....................................... 3,346 Total Liabilities and Capital:......................... 37,393 Number of Shares Outstanding: .................... 4,000 Directors: Joe Benton, III; Jerold Brock; Bill Hannah; Terry Milam; Roy Montgomery; John Stacks; Jack Treat Branches in Town: None Other Branches: Damascus, Greenbrier, Marshall 84 Arkansas State Bank Department Parkway Bank Portland, AR VOICE: (870) 737-2226 FAX: (870) 737-4263 Population: 552 Main Street Charter Number: 57 P. O. Box 68 Date: April 23, 1900 71663-0068 County: Ashley Home Page: www.parkway-bank.com Trust Powers: No Bank Holding Company Parkway Bankshares, Inc., Portland, AR Chm/CEO: Jerry Sadler Reg Pres: Chris Lampkin Reg Pres: Jerry Carmichael Cash and Due from:....................................... 4,330 Federal Funds and Repos: ............................ 6,315 Investments: ................................................ 16,201 Net Loans: ................................................... 35,315 Premises and Fixed Assets: .......................... 2,418 Other Real Estate: ............................................ 161 Other Assets: .................................................... 856 Total Assets: ................................................ 65,596 Total Trust Assets:................................................ 0 Deposits:...................................................... 56,065 Federal Funds and Borrowings: .................... 4,200 Other Liabilities:................................................ 218 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 60,483 Total Equity Capital: ...................................... 5,113 Total Liabilities and Capital:......................... 65,596 Number of Shares Outstanding: .................. 20,000 Directors: Mack Borgognoni; C. E. Bridewell; Chris Lampkin; Benton Newcome; Joel Newcome; Robert D. Pugh; Jerry Sadler; Eddie Scherm Branches in Town: None Other Branches: Crossett, Monticello (2) Bank of Prescott Prescott, AR VOICE: (870) 887-2688 FAX: (870) 887-6822 Population: 3,686 East Second at Main Charter Number: 162 P.O. Drawer 490 Date: August 10, 1904 71857-0490 County: Nevada Home Page: www.bankofprescott.com Trust Powers: Yes Bank Holding Company Prescott Bancshares, Inc., Prescott, AR Chm: John Warren Brannan, Sr. EVP: James E. Franks CEO/Pres: John Warren Brannan, Jr. Treas/Sec: Karen McLelland Cash and Due from:....................................... 5,403 Federal Funds and Repos: ............................ 1,115 Investments: ................................................ 29,849 Net Loans: ................................................... 30,695 Premises and Fixed Assets: ............................. 480 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,404 Total Assets: ................................................ 68,946 Total Trust Assets:................................................ 0 Deposits:...................................................... 60,245 Federal Funds and Borrowings: ....................... 551 Other Liabilities:.................................................. 94 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 60,890 Total Equity Capital: ...................................... 8,056 Total Liabilities and Capital:......................... 68,946 Number of Shares Outstanding: .................. 24,000 Directors: John Warren Brannan, Sr.; John Warren Brannan, Jr.; Brad Crain; Carl Dalrymple, Jr.; James E. Franks; Robert L. Godwin; Billy Hines; Phillip McAdams; Larry Rhodes; Robert Smith; John Vansickle Branches in Town: None Other Branches: None Ninetieth Report 85 The Bank of Rison Rison, AR VOICE: (870) 325-6251 FAX: (870) 325-7661 Population: 1,271 Chm: James L. Moore, Jr. CEO/Pres: James R. Hopson 200 Main Street Charter Number: 650 P. O. Box 345 Date: March 7, 1932 71665-0345 County: Cleveland Trust Powers: No Bank Holding Company None VP: Cliff Hopson VP/Cash: Judy Thompson Cash and Due from:....................................... 2,020 Federal Funds and Repos: ............................ 4,210 Investments:................................................... 8,153 Net Loans:.................................................... 12,106 Premises and Fixed Assets: ............................. 146 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,090 Total Assets: ................................................ 27,725 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 23,526 Federal Funds and Borrowings:............................ 0 Other Liabilities: .................................................. 35 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 23,561 Total Equity Capital:....................................... 4,164 Total Liabilities and Capital:......................... 27,725 Number of Shares Outstanding: .................... 4,000 Directors: James R. Hopson; Ray B. Martin; James L. Moore, III; James L. Moore, Jr. Branches in Town: None Other Branches: None Bank of Rogers Rogers, AR VOICE: (479) 621-6800 FAX: (479) 621-6801 Population: 38,829 801 North Dixieland Charter Number: 765 P. O. Box 699 Date: October 26, 1995 72757-0699 County: Benton Home Page: www.bankrogers.com Trust Powers: No Member of Federal Reserve System Bank Holding Company BOR Bancshares, Inc., Rogers, AR Chm/CEO: Dick McLelland EVP: Scott Franklin Pres: Guy J. Cable Cash and Due from:....................................... 2,773 Federal Funds and Repos: ............................ 2,185 Investments:................................................. 11,710 Net Loans:.................................................... 93,096 Premises and Fixed Assets: .......................... 4,994 Other Real Estate: ............................................ 351 Other Assets: ................................................. 4,008 Total Assets: .............................................. 119,117 Total Trust Assets: ................................................ 0 Deposits: .................................................... 100,493 Federal Funds and Borrowings:..................... 9,100 Other Liabilities: ................................................ 403 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 109,996 Total Equity Capital:....................................... 9,121 Total Liabilities and Capital:....................... 119,117 Number of Shares Outstanding: .................. 32,150 Directors: Guy J. Cable; Roland Julian; Dick McLelland; Virginia Mocivnik; Jerry Pittman; Kent Rylee; Tony Steele; David Swearingen; Lewis D. Yarborough Branches in Town: One Other Branches: Centerton, Lowell Arkansas State Bank Department 86 Simmons First Bank of Northwest Arkansas Rogers, AR VOICE: (479) 636-0884 FAX: (479) 636-7819 Population: 38,829 111 North 8th Street Charter Number: 672 P. O. Box 1803 Date: July 8, 1935 72756 County: Benton Home Page: www.simmonsfirst.com Trust Powers: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Thomas W. Spillyards SVP: Gail Jordan EVP: Dennis Ferguson VP/Cash: Darlene Cheatham Cash and Due from:..................................... 10,268 Federal Funds and Repos: ............................ 8,000 Investments: ................................................ 42,241 Net Loans: ................................................. 166,588 Premises and Fixed Assets: .......................... 4,601 Other Real Estate: .............................................. 55 Other Assets: ................................................. 8,601 Total Assets: .............................................. 240,354 Total Trust Assets:................................................ 0 Deposits:.................................................... 210,396 Federal Funds and Borrowings: .................... 6,199 Other Liabilities:............................................. 1,254 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 217,849 Total Equity Capital: .................................... 22,505 Total Liabilities and Capital:....................... 240,354 Number of Shares Outstanding: .................. 18,000 Directors: Dennis Ferguson; Ray Hobbs; Craig Hunt; Eric Pianalto; Thomas W. Spillyards; Jim Tull; Sonya Yates Branches in Town: One Other Branches: Bella Vista, Fayetteville (2), Lincoln, Prairie Grove, Siloam Springs, Springdale (2) First Arkansas Valley Bank Russellville, AR VOICE: (479) 967-2151 FAX: (479) 967-1456 Population: 23,682 401 North Arkansas Avenue Charter Number: 714 P. O. Box 4026 Date: August 29, 1961 72811 County: Pope Home Page: www.firstarkansas.com Trust Powers: Yes Bank Holding Company Russellville Bancshares, Inc., Jonesboro, AR Chm/CEO: Roy A. Reaves VP/TO: Ellen Tarkington Pres: Benny R. Harris Cash and Due from:..................................... 16,883 Federal Funds and Repos: ................................... 0 Investments: .............................................. 119,029 Net Loans: ................................................. 307,513 Premises and Fixed Assets: .......................... 9,958 Other Real Estate: ............................................ 406 Other Assets: ............................................... 21,509 Total Assets: .............................................. 475,298 Total Trust Assets:....................................... 17,786 Deposits:.................................................... 324,465 Federal Funds and Borrowings: ................ 106,224 Other Liabilities:............................................. 1,938 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 432,627 Total Equity Capital: .................................... 42,671 Total Liabilities and Capital:....................... 475,298 Number of Shares Outstanding: ................ 139,594 Directors: Luke Duffield; Dain Duvall; Wallace W. Fowler; Nathan V. George; Charles H. Green; Benny R. Harris; Don Helms; Lloyd H. McCracken, Jr.; Carl Rackley; Roy A. Reaves; Ray L. Robinson; Michael Warren Branches in Town: Three Other Branches: Atkins, Clarksville, Dardanelle (2), Morrilton, Pottsville, Searcy (3) Ninetieth Report 87 First State Bank Russellville, AR VOICE: (479) 498-2400 FAX: (479) 498-2465 Population: 23,682 3103 East Main Charter Number: 663 P. O. Box 10610 Date: January 12, 1934 72812 County: Pope Home Page: www.fsbmybank.com Trust Powers: No Bank Holding Company First State Banking Corporation, Russellville, AR Chm/CEO: Charles Blanchard EVP: Toni B. Laws Pres: Johnny K. Morgan EVP/CLO: Max Mathis Cash and Due from:....................................... 2,963 Federal Funds and Repos: ................................... 0 Investments:............................................... 127,845 Net Loans:.................................................. 100,108 Premises and Fixed Assets: .......................... 1,628 Other Real Estate: ......................................... 1,276 Other Assets: ................................................. 7,613 Total Assets: .............................................. 241,433 Total Trust Assets: ................................................ 0 Deposits: .................................................... 195,319 Federal Funds and Borrowings:................... 27,877 Other Liabilities: ................................................ 816 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 224,012 Total Equity Capital:..................................... 17,421 Total Liabilities and Capital:....................... 241,433 Number of Shares Outstanding: .................. 20,000 Directors: Charles Blanchard; William H. Bowen; Don C. Guess; Mike Miller; Johnny K. Morgan; George Tippin; C. Tim White; Robert M. Wilson; Phil Wright Branches in Town: One Other Branches: Ola, Plainview Simmons First Bank of Russellville Russellville, AR VOICE: (479) 967-8000 FAX: (479) 968-6491 Population: 23,682 800 North Arkansas Avenue Charter Number: 192 P. O. Box 3010 Date: September 29, 1905 72811-3010 County: Pope Home Page: www.simmonsfirst.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO: Ronald B. Jackson Reg Pres: Denton Tumbleson Pres: Gene Thomason EVP: Scott Hill Cash and Due from:..................................... 11,609 Federal Funds and Repos: ............................ 4,045 Investments:................................................. 31,447 Net Loans:.................................................. 123,707 Premises and Fixed Assets: .......................... 5,652 Other Real Estate: ............................................ 728 Other Assets: ............................................... 20,177 Total Assets: .............................................. 197,365 Total Trust Assets: ................................................ 0 Deposits: .................................................... 150,942 Federal Funds and Borrowings:................... 10,127 Other Liabilities: ................................................ 928 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 161,997 Total Equity Capital:..................................... 35,368 Total Liabilities and Capital:....................... 197,365 Number of Shares Outstanding: .................. 10,000 Directors: Leon Anderson; Terry Bowie; Dr. Charles Boyce; Keith Cogswell; Ronald B. Jackson; Ike Allen Laws, III; Ed R. Stingley, III; Harve Taylor; Gene Thomason Branches in Town: Three Other Branches: Clarksville (2), Hector, London 88 Arkansas State Bank Department Bank of Salem Salem, AR VOICE: (870) 895-2591 FAX: (870) 895-3825 Population: 1,591 207 West Church Street Charter Number: 266 P. O. Box 338 Date: December 9, 1908 72576-0338 County: Fulton Trust Powers: No Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm: Richard T. Smith CEO/Pres: Mark Montgomery Cash and Due from:....................................... 2,797 Federal Funds and Repos: ............................ 1,925 Investments: ................................................ 13,518 Net Loans: ................................................... 79,239 Premises and Fixed Assets: .......................... 2,088 Other Real Estate: ............................................ 318 Other Assets: ................................................. 3,799 Total Assets: .............................................. 103,684 Total Trust Assets:................................................ 0 Deposits:...................................................... 91,075 Federal Funds and Borrowings: .................... 2,499 Other Liabilities:................................................ 937 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 94,511 Total Equity Capital: ...................................... 9,173 Total Liabilities and Capital:....................... 103,684 Number of Shares Outstanding: .................. 20,000 Directors: D. Karrol Fowlkes; Mark Montgomery; Marvin Newton; C. Dwayne Plumlee; Guy R. "Buck" Smith; Richard T. Smith Branches in Town: None Other Branches: Mammoth Spring, Viola Logan County Bank Scranton, AR VOICE: (479) 938-2511 FAX: (479) 938-7084 Population: 222 Chm/CEO/Pres: Joe Fritsche VP: Jerry L. Davis 600 Main Street P. O. Box 85 72863-0085 Trust Powers: No Bank Holding Company None VP: Gary Fritsche Cash: Don Fritsche Cash and Due from:....................................... 5,496 Federal Funds and Repos: ............................... 380 Investments: ................................................ 28,452 Net Loans: ................................................... 20,505 Premises and Fixed Assets: ............................. 415 Other Real Estate: ................................................ 0 Other Assets: .................................................... 506 Total Assets: ................................................ 55,754 Total Trust Assets:................................................ 0 Charter Number: 578 Date: April 7, 1926 County: Logan Deposits:...................................................... 46,993 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 102 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 47,095 Total Equity Capital: ...................................... 8,659 Total Liabilities and Capital:......................... 55,754 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 Ninetieth Report 89 First Security Bank Searcy, AR VOICE: (501) 279-3400 FAX: (501) 279-3486 Population: 18,928 314 North Spring P. O. Box 1009 72145-1009 Home Page: www.firstsecuritybank.org Trust Powers: Yes Bank Holding Company First Security Bancorp, Searcy, AR Chm/CEO: Reynie Rutledge TO: Frank Faust Pres: James G. Wilson Cash and Due from:..................................... 47,457 Federal Funds and Repos: ................................... 0 Investments:............................................... 315,555 Net Loans:.................................................. 690,137 Premises and Fixed Assets: ........................ 31,392 Other Real Estate: ......................................... 3,046 Other Assets: ............................................... 42,664 Total Assets: ........................................... 1,130,251 Total Trust Assets: ..................................... 166,460 Charter Number: 649 Date: February 6, 1932 County: White Deposits: .................................................... 983,905 Federal Funds and Borrowings:................... 42,362 Other Liabilities: ............................................. 2,413 Subordinated Debt:............................................... 0 Total Liabilities: ....................................... 1,028,680 Total Equity Capital:................................... 101,571 Total Liabilities and Capital:.................... 1,130,251 Number of Shares Outstanding: .................. 24,000 Directors: Dr. David Burks; Larry Crain; Steve Lightle; John McKnight; Wayne Ridout; Dr. Porter R. Rodgers, Jr.; N. T. Rutledge; Reynie Rutledge; Jim Tarkington; James G. Wilson; E. D. Yancey Branches in Town: Four Other Branches: Beebe (2), Bella Vista, Cabot (2), Fayetteville (4), Griffithville, Heber Springs (2), Judsonia, McRae, Pangburn, Rogers (3), Springdale (4) Simmons First Bank of Searcy Searcy, AR VOICE: (501) 268-7575 FAX: (501) 279-3059 Population: 18,928 401 South Main Charter Number: 528 P. O. Box 1349 Date: February 17, 1922 72145-1349 County: White Home Page: www.Simmonsfirst.com Trust Powers: No Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Brooks Davis SVP/Cash: Chris Rainbolt SVP: Jerry Morgan Cash and Due from:....................................... 5,383 Federal Funds and Repos: ................................... 0 Investments:................................................. 23,625 Net Loans:.................................................... 82,345 Premises and Fixed Assets: .......................... 3,862 Other Real Estate: ............................................ 112 Other Assets: ................................................. 6,920 Total Assets: .............................................. 122,247 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 92,995 Federal Funds and Borrowings:................... 11,721 Other Liabilities: ............................................. 1,062 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 105,778 Total Equity Capital:..................................... 16,469 Total Liabilities and Capital:....................... 122,247 Number of Shares Outstanding: .................. 10,000 Directors: Richard Cargile; Stuart Dalrymple; Brooks Davis; Dennis Donovan; Al Fowler; Joseph Giezeman; Chris Rainbolt; Glenn Rambin; Robert Underwood Branches in Town: Two Other Branches: Kensett 90 Arkansas State Bank Department Peoples Bank Sheridan, AR VOICE: (870) 942-5707 FAX: (870) 942-2489 Population: 3,872 1120 S. Rock Street Charter Number: 786 P. O. Box 460 Date: September 11, 2000 72150 County: Grant Home Page: www.peoplesbankar.com Trust Powers: No Bank Holding Company None CEO/Pres: John D. Manatt VP: Noka A. Emerson SVP: Roy E. Baxley VP: G. Jannette Jones Cash and Due from:....................................... 3,689 Federal Funds and Repos: ............................ 5,524 Investments: ................................................ 15,680 Net Loans: ................................................... 34,810 Premises and Fixed Assets: .......................... 1,784 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,651 Total Assets: ................................................ 63,138 Total Trust Assets:................................................ 0 Deposits:...................................................... 56,148 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 196 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 56,344 Total Equity Capital: ...................................... 6,794 Total Liabilities and Capital:......................... 63,138 Number of Shares Outstanding: .................. 52,562 Directors: Dannie L. Brown; Donald L. Hedden; Gary D. Hines; Bobby G. Jeffrey; James W. Lancaster; John D. Manatt; Mary Mel Nixon; Shelby L. Taylor; Alvin L. Upton; David L. Wells; W. A. Winston Branches in Town: None Other Branches: None Arkansas State Bank Siloam Springs, AR VOICE: (479) 524-8101 FAX: (479) 524-3307 Population: 10,843 318 East Main Street Charter Number: 713 P. O. Box 400 Date: January 12, 1960 72761-0400 County: Benton Home Page: www.arkstatebank.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Arkansas State Bancshares, Inc., Siloam Springs, AR Chm: Delbert E. Allen, Jr. EVP/Cash: Beverly Lescard CEO/Pres/TO: Arthur Morris Cash and Due from:....................................... 6,849 Federal Funds and Repos: ............................ 5,800 Investments: ................................................ 47,092 Net Loans: ................................................. 103,418 Premises and Fixed Assets: .......................... 4,711 Other Real Estate: .............................................. 77 Other Assets: ................................................. 2,865 Total Assets: .............................................. 170,812 Total Trust Assets:......................................... 4,985 Deposits:.................................................... 145,037 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 602 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 145,639 Total Equity Capital: .................................... 25,173 Total Liabilities and Capital:....................... 170,812 Number of Shares Outstanding: .................. 72,000 Directors: Delbert E. Allen, Jr.; Robert H. Brown; Paul Church; H. E. Harrison, Jr.; Arthur Morris; Mark Simmons; Dr. Duane Thomas Branches in Town: Two Other Branches: Gentry, Tontitown Ninetieth Report 91 Smackover State Bank Smackover, AR VOICE: (870) 725-3051 FAX: (870) 725-3049 Population: 2,005 708 North Broadway Charter Number: 600 P. O. Drawer 107 Date: April 18, 1928 71762-0107 County: Union Trust Powers: Yes Bank Holding Company Smackover Bancshares, Inc., Smackover, AR CEO/Pres: Bob Willett SVP: James B. Yeager SVP: J. Drew Tennyson VP/TO: Vicki Davis Cash and Due from:....................................... 3,709 Federal Funds and Repos: ............................ 1,030 Investments:................................................. 58,511 Net Loans:.................................................... 60,343 Premises and Fixed Assets: .......................... 1,925 Other Real Estate: ............................................ 428 Other Assets: ................................................. 1,792 Total Assets: .............................................. 127,738 Total Trust Assets: ......................................... 3,348 Deposits: .................................................... 114,511 Federal Funds and Borrowings:............................ 0 Other Liabilities: ................................................ 405 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 114,916 Total Equity Capital:..................................... 12,822 Total Liabilities and Capital:....................... 127,738 Number of Shares Outstanding: ................ 100,000 Directors: Gary deYampert; J. Drew Tennyson; James M. Tennyson; John D. Trimble, V; Bob Willett; James B. Yeager Branches in Town: None Other Branches: El Dorado (2), Norphlet Riverside Bank Sparkman, AR VOICE: (870) 678-2251 FAX: (870) 678-2401 Population: 586 Commerce & Main Streets Charter Number: 457 P. O. Box 127 Date: September 19, 1916 71763-0127 County: Dallas Home Page: www.riversidebanc.com Trust Powers: No Bank Holding Company Riverside Bancshares, Inc., Little Rock, AR Chm: David Matchet Pres: Robert G. Dudley, Jr. CEO: Stephen C. Davis VP: Kathryn Daniell Cash and Due from:....................................... 1,153 Federal Funds and Repos: ................................... 0 Investments:................................................... 3,772 Net Loans:.................................................... 35,656 Premises and Fixed Assets: ............................. 462 Other Real Estate: ............................................ 463 Other Assets: ................................................. 1,286 Total Assets: ................................................ 42,792 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 33,164 Federal Funds and Borrowings:..................... 6,185 Other Liabilities: ................................................ 150 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 39,499 Total Equity Capital:....................................... 3,293 Total Liabilities and Capital:......................... 42,792 Number of Shares Outstanding: .................... 3,000 Directors: Stephen C. Davis; G. W. DeLaughter; Robert G. Dudley, Jr.; Charles T. Gaston; David Matchet Branches in Town: None Other Branches: None 92 Arkansas State Bank Department Bodcaw Bank Stamps, AR VOICE: (870) 533-4486 FAX: (870) 533-4456 Population: 2,131 307 Thomas Street Charter Number: 106 P. O. Box 8 Date: December 8, 1902 71860-0008 County: Lafayette Trust Powers: No Bank Holding Company Bodcaw Bancshares, Inc., Stamps, AR Chm/Pres: J. Paul Nipper Cash: Brenda Scroggins Cash and Due from:....................................... 3,811 Federal Funds and Repos: ............................ 1,775 Investments: ................................................ 46,981 Net Loans: ................................................... 20,188 Premises and Fixed Assets: ............................. 184 Other Real Estate: ................................................ 0 Other Assets: .................................................... 577 Total Assets: ................................................ 73,516 Total Trust Assets:................................................ 0 Deposits:...................................................... 64,867 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 475 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 65,342 Total Equity Capital: ...................................... 8,174 Total Liabilities and Capital:......................... 73,516 Number of Shares Outstanding: .................. 10,000 Directors: Charles L. Cabe, Jr.; Billie Nipper; J. Paul Nipper; Cynthia Sandefur; Danny K. Smith; J. Woodrow Smith Branches in Town: None Other Branches: None Bank of Star City Star City, AR VOICE: (870) 628-4286 FAX: (870) 628-5274 Population: 2,471 116 North Lincoln P. O. Drawer 69 71667-0069 Home Page: www.bankofstarcity.com Trust Powers: No Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Bennie F. Ryburn, Jr. VP: Mary Womack Pres: R. Mark Owen Cash and Due from:....................................... 2,005 Federal Funds and Repos: ................................... 0 Investments: ................................................ 22,298 Net Loans: ................................................... 58,349 Premises and Fixed Assets: .......................... 4,113 Other Real Estate: ............................................ 182 Other Assets: ................................................. 1,480 Total Assets: ................................................ 88,427 Total Trust Assets:................................................ 0 Charter Number: 567 Date: April 27, 1925 County: Lincoln Deposits:...................................................... 69,695 Federal Funds and Borrowings: .................... 9,193 Other Liabilities:................................................ 146 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 79,034 Total Equity Capital: ...................................... 9,393 Total Liabilities and Capital:......................... 88,427 Number of Shares Outstanding: .................. 15,000 Directors: Keith D. Griffin; Tommy L. Lively; Lucille Ollar; R. Mark Owen; Bennie F. Ryburn, Jr.; Marion Ryburn Branches in Town: None Other Branches: Gould, Pine Bluff (2), White Hall Ninetieth Report 93 The Stephens Security Bank Stephens, AR VOICE: (870) 786-5416 FAX: (870) 786-5419 Population: 1,152 105 Ruby Street Charter Number: 692 P. O. Box 7 Date: February 8, 1946 71764-0007 County: Ouachita Trust Powers: No Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm: Richard T. Smith VP/Cash: Cheryl Brown Pres: Carol Reaves Cash and Due from:....................................... 2,363 Federal Funds and Repos: ................................... 0 Investments:................................................... 4,298 Net Loans:.................................................... 24,928 Premises and Fixed Assets: .......................... 1,286 Other Real Estate: .............................................. 30 Other Assets: ................................................. 1,602 Total Assets: ................................................ 34,507 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 27,387 Federal Funds and Borrowings:..................... 4,163 Other Liabilities: ................................................ 270 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 31,820 Total Equity Capital:....................................... 2,687 Total Liabilities and Capital:......................... 34,507 Number of Shares Outstanding: .................. 11,000 Directors: Duncan Grayson; Carol Reaves; Guy R. Smith; Guy R. "Buck" Smith; Richard T. Smith; Colon Watson; Jay C. Wilson Branches in Town: None Other Branches: None The Farmers and Merchants Bank Stuttgart, AR VOICE: (870) 673-6911 FAX: (870) 672-4282 Population: 9,745 Seventh & Main Streets Charter Number: 687 P. O. Box 1010 Date: December 29, 1944 72160-1010 County: Arkansas Home Page: www.fmbarkansas.com Trust Powers: Yes Member of Federal Reserve System Bank Holding Company The Farmers and Merchants Bankshares, Inc., Stuttgart, AR Chm: Roy O. McCollum, III Cash: Caroll Fowler CEO/Pres: Don Pattillo TO: Richard McMinn Cash and Due from:..................................... 16,051 Federal Funds and Repos: ................................... 0 Investments:................................................. 76,099 Net Loans:.................................................. 185,487 Premises and Fixed Assets: .......................... 3,540 Other Real Estate: ............................................ 153 Other Assets: ............................................... 17,042 Total Assets: .............................................. 298,372 Total Trust Assets: ....................................... 40,269 Deposits: .................................................... 211,408 Federal Funds and Borrowings:................... 49,424 Other Liabilities: ............................................. 1,341 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 262,173 Total Equity Capital:..................................... 36,199 Total Liabilities and Capital:....................... 298,372 Number of Shares Outstanding: ................ 100,000 Directors: Jerry Carter; Gary Hudson; Roy O. McCollum, III; Don Pattillo; Mickey Pierce; Robert H. Pond; Robert Seidenstricker; Patricia M. Townsend; Ray Vester Branches in Town: Four Other Branches: Des Arc, DeValls Bluff, DeWitt, Hazen 94 Arkansas State Bank Department Bank of Trumann Trumann, AR VOICE: (870) 483-6333 FAX: (870) 483-7512 Population: 6,889 326 Highway 463 Charter Number: 354 P. O. Box 48 Date: October 2, 1911 72472-0048 County: Poinsett Trust Powers: No Bank Holding Company First Delta Bankshares, Inc., Blytheville, AR CEO/Pres: John R. Gillette Cash: Cheryl McMasters VP: Carroll D. Anderson AVP: Shirley Benson Cash and Due from:....................................... 1,892 Federal Funds and Repos: ................................... 0 Investments: ................................................ 39,598 Net Loans: ................................................... 39,276 Premises and Fixed Assets: .......................... 1,146 Other Real Estate: ......................................... 1,635 Other Assets: ................................................. 5,383 Total Assets: ................................................ 88,930 Total Trust Assets:................................................ 0 Deposits:...................................................... 72,111 Federal Funds and Borrowings: .................... 2,334 Other Liabilities:................................................ 470 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 74,915 Total Equity Capital: .................................... 14,015 Total Liabilities and Capital:......................... 88,930 Number of Shares Outstanding: .................. 60,000 Directors: John R. Gillette; Gary Griffin; Matthew H. Moon; Clyde Robertson, Jr.; E. G. Sims; Jerry T. Sims Branches in Town: None Other Branches: None Citizens Bank & Trust Company Van Buren, AR VOICE: (479) 474-1201 FAX: (479) 410-1340 Population: 18,986 3110 Alma Hwy. Charter Number: 328 P. O. Box 469 Date: December 20, 1910 72957-0469 County: Crawford Home Page: www.cbankandtrust.co, Trust Powers: Yes Member of Federal Reserve System Bank Holding Company Vista Bancorporation, Van Buren, AR Chm: James G. Williamson, Jr. EVP: Lance L. Lanier CEO/Pres: D. Keith Hefner SVP/Cash: Joe Dan Stewart Cash and Due from:..................................... 12,762 Federal Funds and Repos: ................................... 0 Investments: ................................................ 63,725 Net Loans: ................................................. 167,244 Premises and Fixed Assets: .......................... 5,418 Other Real Estate: ................................................ 0 Other Assets: ................................................. 6,435 Total Assets: .............................................. 255,584 Total Trust Assets:......................................... 7,186 Deposits:.................................................... 224,591 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................. 2,448 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 227,039 Total Equity Capital: .................................... 28,545 Total Liabilities and Capital:....................... 255,584 Number of Shares Outstanding: .................. 16,000 Directors: Jimmy G. Bell; Warren D. Blaylock; Mont S. Echols, Jr.; Jimmy D. Gooch; Morril H. Harriman; D. Keith Hefner; L. Scott McBrayer; Paul D. Shirley; Samuel M. Sicard; William W. Thomas; James G. Williamson, Jr. Branches in Town: Three Other Branches: Alma, Mountainburg Ninetieth Report 95 First Community Bank of Crawford County Van Buren, AR VOICE: (479) 471-5400 2925 Alma Highway, Suite A Charter Number: 784 FAX: (479) 471-5404 72956 Date: July 7, 2000 Population: 18,986 County: Crawford Home Page: www.firstcommunity-bank.com Trust Powers: No Bank Holding Company None Chm: Tim E. Wise Cash: Cheryl A. Mathews CEO/Pres: Jim Fincher Cash and Due from:....................................... 3,479 Federal Funds and Repos: ............................ 1,035 Investments:................................................... 5,778 Net Loans:.................................................... 40,604 Premises and Fixed Assets: ............................. 999 Other Real Estate: ................................................ 0 Other Assets: .................................................... 709 Total Assets: ................................................ 52,604 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 43,129 Federal Funds and Borrowings:..................... 5,302 Other Liabilities: ................................................ 120 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 48,551 Total Equity Capital:....................................... 4,053 Total Liabilities and Capital:......................... 52,604 Number of Shares Outstanding: .................. 48,640 Directors: Dr. James Crawford; Jim Fincher; James David Garner; John Hall; Tim Hodges; Richard Hodo; Mark Manes; Gary R. Miller; Richard Schultz; Tim E. Wise Branches in Town: One Other Branches: None Bank of Waldron Waldron, AR VOICE: (479) 637-2161 FAX: (479) 637-4874 Population: 3,508 162 West 4th Street Charter Number: 72 P. O. Box 2260 Date: April 3, 1901 72958-2260 County: Scott Trust Powers: Yes Bank Holding Company First National Security Company, DeQueen, AR Chm: John H. Hendrix VChm: Larry Mashburn CEO/Pres: Greg L. Bourns VP/TO: Debra Fuller Cash and Due from:....................................... 1,433 Federal Funds and Repos: ................................... 0 Investments:................................................. 51,048 Net Loans:.................................................... 37,843 Premises and Fixed Assets: ............................. 655 Other Real Estate: .............................................. 29 Other Assets: ................................................. 1,736 Total Assets: ................................................ 92,744 Total Trust Assets: .............................................. 43 Deposits: ...................................................... 75,898 Federal Funds and Borrowings:..................... 2,915 Other Liabilities: ................................................ 224 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 79,037 Total Equity Capital:..................................... 13,707 Total Liabilities and Capital:......................... 92,744 Number of Shares Outstanding: .................. 24,000 Directors: Kelly Ashford; Billy J. Black; Greg L. Bourns; Jim Currier; John H. Hendrix; Larry Mashburn; Terry Plummer Branches in Town: One Other Branches: None 96 Arkansas State Bank Department First State Bank of Warren Warren, AR VOICE: (870) 226-2601 FAX: (870) 226-2253 Population: 6,442 Main Street Charter Number: 739 P. O. Box 29 Date: December 12, 1978 71671-0029 County: Bradley Trust Powers: Yes Bank Holding Company Bradley Bancshares, Inc., Warren, AR Chm: Virginia M. Ryburn VChm: Bennie F. Ryburn, Jr. CEO/Pres: Freddie M. Mobley EVP/TO: Hugh Quimby Cash and Due from:....................................... 7,176 Federal Funds and Repos: ................................... 0 Investments: ................................................ 32,666 Net Loans: ................................................... 54,537 Premises and Fixed Assets: .......................... 2,132 Other Real Estate: ............................................ 765 Other Assets: ................................................. 1,886 Total Assets: ................................................ 99,162 Total Trust Assets:......................................... 1,521 Deposits:...................................................... 87,966 Federal Funds and Borrowings: ....................... 261 Other Liabilities:................................................ 451 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 88,678 Total Equity Capital: .................................... 10,484 Total Liabilities and Capital:......................... 99,162 Number of Shares Outstanding: .................. 59,000 Directors: Robert Garner; Roger George; Robert Green, Jr.; Freddie M. Mobley; Hugh A. Quimby; Bennie Ryburn, III; Bennie F. Ryburn, Jr.; Virginia M. Ryburn; Dr. Joe H. Wharton Branches in Town: One Other Branches: Hampton, Hermitage Warren Bank and Trust Company Warren, AR VOICE: (870) 226-2621 FAX: (870) 226-6261 Population: 6,442 201 South Main Charter Number: 80 P. O. Box 350 Date: December 28, 1901 71671-0350 County: Bradley Trust Powers: Yes Member of Federal Reserve System Bank Holding Company None Chm: John B. Frazer SVP: Tim Spraggins Pres/TO: Carlton E. Davis SVP/Cash: James E. Smith Cash and Due from:....................................... 5,375 Federal Funds and Repos: ............................ 1,838 Investments: ................................................ 47,022 Net Loans: ................................................... 65,571 Premises and Fixed Assets: ............................. 913 Other Real Estate: ............................................ 330 Other Assets: ................................................. 1,796 Total Assets: .............................................. 122,845 Total Trust Assets:....................................... 38,303 Deposits:.................................................... 100,508 Federal Funds and Borrowings: .................... 5,032 Other Liabilities:................................................ 400 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 105,940 Total Equity Capital: .................................... 16,905 Total Liabilities and Capital:....................... 122,845 Number of Shares Outstanding: .................. 48,000 Directors: Bruce Anderson; Dr. Donnie R. Bryant; Gerald Burton; Carlton E. Davis; Joyce Dees; Lawrence H. Derby, Jr.; John B. Frazer; W. Sykes Harris; Dr. Kerry F. Pennington Branches in Town: Two Other Branches: Hermitage Ninetieth Report 97 Cross County Bank Wynne, AR VOICE: (870) 238-8171 FAX: (870) 238-4052 Population: 8,615 1 Cross County Plaza P. O. Box 9 72396-0009 Home Page: www.crosscountybank.com Trust Powers: Yes Bank Holding Company Cross County Bancshares, Inc., Wynne, AR Chm: Dr. Willard G. Burks EVP: David Dowd CEO/Pres: Mac McClanahan TO: Vincent E. Guest Cash and Due from:....................................... 2,901 Federal Funds and Repos: ................................... 0 Investments:................................................. 36,590 Net Loans:.................................................. 115,938 Premises and Fixed Assets: .......................... 2,247 Other Real Estate: ............................................ 287 Other Assets: ................................................. 3,624 Total Assets: .............................................. 161,587 Total Trust Assets: ......................................... 7,077 Charter Number: 25 Date: June 5, 1891 County: Cross Deposits: .................................................... 122,191 Federal Funds and Borrowings:................... 20,988 Other Liabilities: ................................................ 581 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 143,760 Total Equity Capital:..................................... 17,827 Total Liabilities and Capital:....................... 161,587 Number of Shares Outstanding: .................... 4,000 Directors: Dr. Willard G. Burks; Guy E. Fisher; Albert A. Hess; Pete L. Imboden, III; R. Vance Lawson; Thomas W. Morgan, Jr.; Roger E. Pohlner; Donald L. Reddmann; R. Joe Rennicke; James A. Richardson Branches in Town: One Other Branches: Cherry Valley, Hickory Ridge REPORT OF THE STATE CHARTERED NON-PROFIT ORGANIZATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2004 Arkansas State Bank Department 100 Arkansas Capital Corporation Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Population: 183,133 Chm: George E. Campbell EVP/COO: C. Sam Walls 200 South Commerce, Suite 400 72201-1728 Charter Number: 1006 Date: August 6, 1958 County: Pulaski Home Page: www.arcapital.com Trust Powers: No Bank Holding Company None SVP: Jerry Adams SVP: Jay W. Wisener Cash and Due from:.......................................... 718 Federal Funds and Repos: ................................... 0 Investments: .................................................. 4,005 Net Loans: ................................................... 41,434 Premises and Fixed Assets: .......................... 1,714 Other Real Estate: ............................................ 455 Other Assets: ................................................. 2,043 Total Assets: ................................................ 50,369 Total Trust Assets:................................................ 0 Deposits:............................................................... 0 Federal Funds and Borrowings: .................. 42,107 Other Liabilities:............................................. 2,759 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 44,866 Total Equity Capital: ...................................... 5,503 Total Liabilities and Capital:......................... 50,369 Number of Shares Outstanding: .................... 1,085 Directors: John W. Ahlen; Carl E. Baggett; George E. Campbell; Rush B. Deacon; Mac Dodson; Gary E. Garton; James R. Jordan; Virgil L. Miller, Jr.; Bert M. Mullens; Don Pattillo; H. Glenn Rambin; D. Patton Rudder; David H. Shindler; William T. Staed; Sherry H. Stringer; Larry Walther Branches in Town: None Other Branches: Fayetteville, Fordyce, Jonesboro REPORT OF TRUST COMPANIES (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2004 Arkansas State Bank Department 102 Community First Trust Company Hot Springs, AR VOICE: (501) 520-3660 FAX: (501) 520-3667 Population: 32,462 135 Section Line Road, C-1 71913 CEO/Pres: William L. Kerst, Jr. SVP: Robert D. Bischof Charter Number: 35001 Date: Jun. 17, 1998 County: Garland CFO: Leslie Ballentine Directors: Charlotte Arnold, CPA; Robert Bruce; Gerald A. Burgener; William L. Kerst, Jr.; Ralph Woodruff Branches in Town: None Other Branches: Hot Springs Village, Little Rock, Russellville FirsTrust Financial Services, Inc. Little Rock, AR VOICE: (501) 664-6627 FAX: (501) 663-6772 Population: 175,795 CEO/Pres: Richard P. Clark, II SVP/TO: Voncile Berry 2610 Cantrell Road 72202 Charter Number: 35000 Date: May. 22, 2001 County: Pulaski VP: Dot Weaver Directors: John Bailey; Bob Birch; William C. Brazil; Dale Bruns; Richard P. Clark, II; Tracy M. French; Stuart W. Hankins; C. Randall Sims Branches in Town: None Other Branches: Conway, El Dorado REPORT OF THE REGIONAL/COUNTY INDUSTRIAL DEVELOPMENT CORPORATIONS (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2004 Arkansas State Bank Department 104 Northwest Arkansas Regional Industrial Development Corporation Fort Smith, AR VOICE: (479) 782-5959 FAX: (479) 782-9669 CEO: Luther Reed CFO: T. David Potts Greenpointe Center, Suite 31 P. O. Box 3325 72913-3325 Charter Number: 30006 Date: April 17, 1997 VP: Steven Riggs Arkansas Regional Industrial Development Company I, LLC Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Chm/CEO: C. Sam Walls 200 South Commerce Street Suite 400 72201-1925 Charter Number: 30008 Date: July 18, 2002 VP/Sec: Larry Carter Arkansas Regional Industrial Development Company II, LLC Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 200 South Commerce Street Suite 400 72201-1925 Charter Number: 30009 Date: October 30, 2002 Chm/CEO: C. Sam Walls Arkansas Valley Regional Industrial Development Company Little Rock, AR VOICE: (501) 372-7333 FAX: (501) 372-7340 Donaghey Building, Suite 207 103 East Seventh 72201 Charter Number: 30010 Date: November 4, 2002 CEO/CFO: Carl W. Bird Central Arkansas Regional Industrial Development Company, LLC Little Rock, AR VOICE: (501) 224-6511 FAX: (501) 954-9419 Pres: Robert B. Francis 1525 Merrill Drive, Suite 3000 P. O. Box 21077 72221 Charter Number: 30007 Date: February 19, 1998 Ninetieth Report 105 Perry County Industrial Development Corporation Perryville, AR VOICE: (501) 889-5771 FAX: (501) 889-2966 Pres: John C. Branscum VP: James R. Price, D.D.S. P. O. Box 869 72126-0869 Charter Number: 30003 Date: August 18, 1994 Treas: James C. Hawkins Sec: Doug Brandon North Delta Regional Industrial Development Corporation Trumann, AR VOICE: (870) 483-7651 FAX: (870) 483-5619 Chm/Pres: Kelley Webb 405 Highway 463N P. O. Box 67 72472 Charter Number: 30005 Date: March 20, 1996 VP/Sec: Glyndon Clemons REPORT OF THE CAPITAL DEVELOPMENT COMPANY (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2004 Arkansas State Bank Department 108 Commerce Capital Development Company, LLC Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Chm: Luther Wayne Britt VChm: Dana Silaski 200 South Commerce Street Suite 400 72201 Charter Number: 45001 August 28, 2003 Pres: C. Sam Walls LIST OF COMMERCIAL BANKS BY COUNTY AND MAP OF ARKANSAS COUNTIES JUNE 30, 2004 Arkansas State Bank Department 110 COUNTY BANK CITY Arkansas DeWitt Bank And Trust Company The First National Bank of DeWitt Planters & Merchants Bank The Farmers and Merchants Bank First National Bank of Stuttgart Ashley First National Bank of Crossett First State Bank Farmers Bank Delta Trust & Bank Home Bank of Arkansas Parkway Bank Baxter First National Bank and Trust Company First Security Bank of Mountain Home TrustBanc Benton Arkansas National Bank Decatur State Bank Bank of Gravett Bank of Rogers Simmons First Bank of Northwest Arkansas Arkansas State Bank Boone Community First Bank Bradley First State Bank of Warren Warren Bank and Trust Company Calhoun Calhoun County Bank Carroll The First National Bank of Berryville Bank of Eureka Springs The First National Bank in Green Forest Berryville Eureka Springs Green Forest Chicot The Eudora Bank The Bank of Lake Village Simmons First Bank of South Arkansas Eudora Lake Village Lake Village Clark Elk Horn Bank and Trust Company Summit Bank Arkadelphia Arkadelphia Clay Piggott State Bank Cleburne The Cleburne County Bank Greers Ferry Lake State Bank Heber Springs State Bank Cleveland Pine State Bank The Bank of Rison DeWitt DeWitt Gillett Stuttgart Stuttgart Crossett Crossett Hamburg Parkdale Portland Portland Mountain Home Mountain Home Mountain Home Bentonville Decatur Gravette Rogers Rogers Siloam Springs Harrison Warren Warren Hampton Piggott Heber Springs Heber Springs Heber Springs Kingsland Rison Ninetieth Report 111 COUNTY BANK CITY Columbia Farmers Bank and Trust Company The Peoples Bank Magnolia Magnolia Conway Petit Jean State Bank Morrilton Craighead American State Bank Heritage Bank Liberty Bank of Arkansas Simmons First Bank of Jonesboro Jonesboro Jonesboro Jonesboro Jonesboro Crawford Allied Bank Citizens Bank & Trust Company First Community Bank of Crawford County Mulberry Van Buren Van Buren Crittenden First Community Bank of Eastern Arkansas Fidelity National Bank Cross First State Bank Cross County Bank The First National Bank of Wynne Dallas Fordyce Bank & Trust Company Riverside Bank Fordyce Sparkman Desha Merchants & Farmers Bank The First National Bank of McGehee McGehee Bank Dumas McGehee McGehee Drew Commercial Bank & Trust Company Union Bank And Trust Company Monticello Monticello Faulkner First Security Bank of Conway First State Bank First Service Bank Conway Conway Greenbrier Fulton Bank of Salem Garland First National Bank Simmons First Bank of Hot Springs Grant Peoples Bank Greene Bank of Paragould First National Bank Southern Bank of Commerce Marion West Memphis Parkin Wynne Wynne Salem Hot Springs Hot Springs Sheridan Paragould Paragould Paragould Arkansas State Bank Department 112 COUNTY BANK CITY Hempstead Bank of Blevins The First National Bank of Hope Hot Spring The Malvern National Bank Southern State Bank Howard First National Bank of Howard County Citizens National Bank of Nashville Dierks Nashville Independence The Citizens Bank First Community Bank Batesville Batesville Izard The First National Bank of Izard County Jackson Merchants & Planters Bank Jefferson First National Bank of Altheimer Pine Bluff National Bank Simmons First National Bank Altheimer Pine Bluff Pine Bluff Johnson First Security Bank of Clarksville Clarksville Lafayette Community State Bank The First National Bank of Lewisville Bodcaw Bank Bradley Lewisville Stamps Lawrence The First National Bank of Lawrence County Lee First National Bank at Marianna Lincoln Bank of Star City Star City Little River The First National Bank Ashdown Logan First Western Bank The First National Bank at Paris Logan County Bank Lonoke Community Bank Bank of England First State Bank Madison First State Bank of Northwest Arkansas Huntsville Mississippi Farmers Bank And Trust Company The First National Bank in Blytheville Blytheville Blytheville Blevins Hope Malvern Malvern Calico Rock Newport Walnut Ridge Marianna Booneville Paris Scranton Cabot England Lonoke Ninetieth Report 113 COUNTY BANK CITY Monroe Bank of Brinkley The Merchants and Planters Bank Brinkley Clarendon Montgomery First National Bank Mount Ida Nevada Bank of Prescott Ouachita Bank of Bearden First Bank of South Arkansas The Stephens Security Bank Bearden Camden Stephens Perry Chart Bank Perryville Phillips Helena National Bank First National Bank of Phillips County Helena West Helena Pike Bank of Delight Arkansas Diamond Bank Diamond State Bank Delight Glenwood Murfreesboro Poinsett The Bank of Harrisburg Little River Bank First Delta Bank Bank of Trumann Harrisburg Lepanto Marked Tree Trumann Polk First National Bank in Mena The Union Bank of Mena Pope First Arkansas Valley Bank First State Bank Simmons First Bank of Russellville Pulaski First Arkansas Bank & Trust Arkansas Bankers' Bank Bank of Little Rock Bank of the Ozarks The Capital Bank Eagle Bank & Trust Company Metropolitan National Bank One Bank & Trust, National Association Pulaski Bank And Trust Company National Bank of Arkansas in North Little Rock Twin City Bank Randolph Bank of Pocahontas Saline The Union Bank of Benton Prescott Mena Mena Russellville Russellville Russellville Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock North Little Rock North Little Rock Pocahontas Benton Arkansas State Bank Department 114 COUNTY BANK CITY Scott Bank of Waldron Sebastian The First National Bank of Fort Smith Farmers Bank Sevier The First National Bank of DeQueen First State Bank of DeQueen Horatio State Bank DeQueen DeQueen Horatio Sharp First National Banking Company Bank of Cave City Ash Flat Cave City St. Francis First National Bank of Eastern Arkansas Forrest City Bank, National Association Stone Bank of Mountain View Union First Financial Bank Simmons First Bank of El Dorado, N. A. Timberland Bank Smackover State Bank El Dorado El Dorado El Dorado Smackover Washington Arvest Bank Bank of Arkansas, N.A. The Bank of Fayetteville, N.A. Community Bank of North Arkansas Fayetteville Fayetteville Fayetteville Fayetteville White Citizens State Bank First Security Bank Simmons First Bank of Searcy Woodruff The Bank of Augusta Bank of McCrory Yell Chambers Bank Bank of Dardanelle Waldron Fort Smith Greenwood Forrest City Forrest City Mountain View Bald Knob Searcy Searcy Augusta McCrory Danville Dardanelle Ninetieth Report MAP OF ARKANSAS COUNTIES 115 ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2004 Arkansas State Bank Department 118 Southern Development Bancorporation, Inc. Arkadelphia, AR RSSD Number: 1248939 VOICE: (870) 246-3945 FAX: (870) 246-2182 605 Main, Suite 202 71923-6037 CEO/Pres: Phillip N. Baldwin SVP/CFO: Sandra Linn Subsidiaries: Elk Horn Bank and Trust Company First National Bank of Phillips County Phillips Insurance Services, Inc. First Investment Advisory Services, Inc. Delta Southern Bank Opportunity Lands Corporation Southern Data Center, Inc. Southern Development Capital Trust Southern Development Statutory Trust I Southern Development Statutory Trust II Arkadelphia, AR West Helena, AR Elaine, AR Helena, AR Ruleville, MS Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Summit Bancorp, Inc. Arkadelphia, AR RSSD Number: 2618388 VOICE: (870) 246-8070 FAX: (870) 246-7122 Chm: Ross M. Whipple Pres: Marcus J. McCain 409 Main Street P. O. Box 965 71923 EVP/CFO: Christopher M. Wewers EVP/CAO: John A. Bryant Subsidiaries: Summit Bank Summit Real Estate Investments, Inc. Tucker Insurance, LLC d/b/a Summit Insurance Group Arkadelphia, AR Arkadelphia, AR Malvern, AR Citizens State Bankshares of Bald Knob, Inc. Bald Knob, AR RSSD Number: 1096822 VOICE: (501) 724-3241 FAX: (501) 724-5985 Chm: Juanita Litzelfelner CEO/Pres: Larry Kircher Subsidiaries: Citizens State Bank Citizens State Investments, Inc. 306 South Elm Street P. O. Box 200 72010-0200 EVP/Sec: Molly Kircher Bald Knob, AR Bald Knob, AR Ninetieth Report 119 Citizens Bancshares of Batesville, Inc. Batesville, AR RSSD Number: 1131077 VOICE: (870) 793-4441 FAX: (870) 698-6299 Third and College Streets P. O. Box 2156 72503-2156 CEO/Pres: Woody Castleberry Sec: David Hidy Subsidiaries: The Citizens Bank Citizens Investments, Inc. Batesville, AR Batesville, AR First Community Bancshares, Inc. Batesville, AR RSSD Number: 2641694 VOICE: (870) 612-3400 FAX: (870) 612-3412 1325 Harrison Street P. O. Box 4327 72501-4327 Chm/CEO/Pres: Dale E. Cole EVP: Boris A. Dover Sec: Frank Tripp Subsidiaries: First Community Bank Community Insurance, Inc. d/b/a Batesville Insurance Agency, Inc. First Community Real Estate, Inc. Batesville, AR Batesville, AR Batesville, AR Bearden Bancshares, Inc. Bearden, AR RSSD Number: 2993722 VOICE: (870) 687-2233 FAX: (870) 687-2474 Chm/Pres: Rick Green Subsidiaries: Bank of Bearden Second and Cedar Streets P. O. Box 135 71720-0135 Sec: Ken Riley Bearden, AR Arkansas State Bank Department 120 Union Bancshares of Benton, Inc. Benton, AR RSSD Number: 1133530 VOICE: (501) 315-0411 FAX: (501) 303-5433 207 West Conway Street P. O. Box 687 72018-0687 Chm/CEO/Pres: Greg B. Brown Subsidiaries: The Union Bank of Benton Benton Savings & Loan Service Corporation UFS, Inc. Benton, AR Benton, AR Benton, AR Arvest Bank Group, Inc. Bentonville, AR RSSD Number: 1095674 VOICE: (479) 464-1500 FAX: (479) 464-1540 Chm/CEO/Pres: Jim C. Walton Subsidiaries: Arvest Holdings, Inc. Arvest Bank Superior Finance Company Superior Financial Services, Inc. Superior Title Services, Inc. Central Mortgage Company Arvest Bank Operations, Inc. Arvest Mortgage Company Arvest Insurance, Inc. Arvest Investments, Inc. First Place on the Creeks, L.L.C. WACO Title Company ATC Services, Inc. Security Bankcard Center, Inc. Superior Financial Statutory Trust I Superior Financial Statutory Trust II Arvest Trust Company N. A. Arvest Statutory Trust I 125 West Central #218 P.O. Box 1860 72712 VP/Treas/Sec: Richard D. Chapman Bentonville, AR Fayetteville, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Little Rock, AR Lowell, AR Lowell, AR Rogers, AR Rogers, AR Rogers, AR Springdale, AR Bartlesville, OK Norman, OK Hartford, CT Hartford, CT Rogers, AR Hartford, CT Ninetieth Report 121 Arvest Holdings, Inc. Bentonville, AR RSSD Number: 1845673 VOICE: (479) 464-1500 FAX: (479) 464-1540 125 West Central, Suite #218 P. O. Box 1860 72712 Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Bank Superior Finance Company Superior Financial Services, Inc. Superior Title Services, Inc. Central Mortgage Company Arvest Bank Operations, Inc. Arvest Mortgage Company Arvest Insurance, Inc. Arvest Investments, Inc. First Place on the Creeks, L.L.C. WACO Title Company ATC Services, Inc. Security Bankcard Center, Inc. Superior Financial Statutory Trust I Superior Financial Statutory Trust II Fayetteville, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Little Rock, AR Lowell, AR Lowell, AR Rogers, AR Rogers, AR Rogers, AR Springdale, AR Bartlesville, OK Norman, OK Hartford, CT Hartford, CT Farmers Bancorp, Inc. Blytheville, AR RSSD Number: 1247615 VOICE: (870) 763-8101 FAX: (870) 763-3500 Pres: Alvin Huffman, 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 122 First Delta Bankshares, Inc. Blytheville, AR RSSD Number: 1097388 VOICE: (870) 763-4443 FAX: (870) 762-5312 120 South Second Street P. O. Box 809 72316-0809 Chm/CEO: Jerry T. Sims VChm: E. G. Sims Pres: Gary Griffin Subsidiaries: The First National Bank in Blytheville Bank of Trumann Blytheville, AR Trumann, AR First Western Bancshares ESOT Booneville, AR RSSD Number: 2628994 VOICE: (479) 675-0369 FAX: (479) 675-0751 80 West Main P. O. Box 87 72927-0087 Chm: Jeral L. Hampton Pres: John T. Hampton Sec: Debbie Danekas Subsidiaries: First Western Bancshares, Inc. First Western Bank First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR First Western Bancshares, Inc. Booneville, AR RSSD Number: 1100091 VOICE: (475) 675-0369 FAX: (475) 675-0751 80 West Main P. O. Box 87 72927-0087 Bank Holding Company First Western Bancshares ESOT, Booneville, AR Chm/CEO: Jeral L. Hampton Pres: John T. Hampton Subsidiaries: First Western Bank First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. Sec: Debbie Danekas Booneville, AR Booneville, AR Booneville, AR Booneville, AR Ninetieth Report 123 Community State Bancshares, Inc. Bradley, AR RSSD Number: 3058758 VOICE: (870) 894-3322 FAX: (870) 894-3324 208 West Fourth Street P. O. Box 120 71826-0120 CEO/Pres: Gary R. Lankford Sec: Jeffrey Hobbs Subsidiaries: Community State Bank Bradley, AR Brinkley Bancshares, Inc. Brinkley, AR RSSD Number: 1097146 VOICE: (870) 734-3133 FAX: (870) 734-3001 130 South New Orleans P. O. Box 727 72021-0727 Chm/CEO: A. H. Rusher Pres: Gus Rusher Subsidiaries: Bank of Brinkley Fred Rusher Agency, Inc. Brinkley, AR Brinkley, AR CB Bancorp, Inc. Cabot, AR RSSD Number: 3211795 VOICE: (501) 843-3575 FAX: (501) 843-0466 2171 West Main Street P.O. Box 1028 72023-1028 Bank Holding Company Home BancShares, Inc., Conway, AR Chm: John W. Allison CEO/Pres: Tracy M. French Treas/Sec: Tyler Vance Subsidiaries: Community Bank Community Home Lenders of Arkansas, Inc. Community Insurance Agency, Inc. Community Title Services, Inc. Grand Prairie Title Company, Inc. Lonoke Abstract Corporation Community Financial Group Statutory Trust Community Financial Solutions Cabot, AR Cabot, AR Cabot, AR Cabot, AR Cabot, AR Lonoke, AR Cabot, AR Cabot, AR Arkansas State Bank Department 124 Harrell Bancshares, Inc. Camden, AR RSSD Number: 2352196 VOICE: (870) 837-8300 FAX: (870) 837-8310 1325 Hwy. 278 Bypass P. O. Box 10 71701 Chm/CEO: Searcy W. Harrell, Jr. Pres: Jonathan W. Harrell Sec: Phillip J. Foster Subsidiaries: First Bank of South Arkansas Calhoun County Bank Camden, AR Hampton, AR Sharp Bancshares, Inc. Cave City, AR RSSD Number: 1099663 VOICE: (870) 283-5301 FAX: (870) 283-6466 133 South Main P. O. Box 490 72521-0490 Chm: Samuel F. Beller VChm: Bruce Street Pres: Margie Pettersen Treas/Sec: Dennis Esteb Subsidiaries: Bank of Cave City Cave City Properties, Inc. Cave City, AR Cave City, AR Clarendon Holding Co. Clarendon, AR RSSD Number: 1099252 VOICE: (870) 747-3319 FAX: (870) 747-3498 Chm/CEO: J. Baxter Sharp, III CEO: Rheta Griffith Subsidiaries: The Merchants and Planters Bank 297 Madison P. O. Box 280 72029-0280 Pres: J. Kendall Henry Clarendon, AR Ninetieth Report 125 Home BancShares, Inc. Conway, AR RSSD Number: 1491409 VOICE: (501) 328-4663 FAX: (501) 328-4126 719 Harkrider Street, 3rd Floor P. O. Box 966 72032 Chm/CEO: John W. Allison Pres/COO: Ron Strother CFO: Randy E. Mayor Subsidiaries: CB Bancorp, Inc. Community Bank Community Home Lenders of Arkansas, Inc. Community Insurance Agency, Inc. Community Title Services, Inc. Grand Prairie Title Company, Inc. Lonoke Abstract Corporation Community Financial Group Statutory Trust Community Financial Solutions Russellville Bancshares, Inc. First Arkansas Valley Bank TCBancorp, Inc. CB Bancorp, Inc. Twin City Bank FirsTrust Financial Services, Inc. First State Bank First Data Solutions, Inc. First State Mortgage Home Bancshares Statutory Trust I FirsTrust Financial Services, Inc. Cabot, AR Cabot, AR Cabot, AR Cabot, AR Cabot, AR Cabot, AR Lonoke, AR Cabot, AR Cabot, AR Jonesboro, AR Russellville, AR North Little Rock, AR Cabot, AR North Little Rock, AR Little Rock, AR Conway, AR Conway, AR Conway, AR Conway, AR Little Rock, AR Evergreen Bancshares, Inc. Crossett, AR RSSD Number: 1134797 VOICE: (870) 364-5131 FAX: (870) 364-6329 CEO/Pres: Richard E. Griffin Subsidiaries: First State Bank 200 Pine Street P. O. Box 638 71635-0638 VP: Nicholas J. Horner Crossett, AR Arkansas State Bank Department 126 Chambers Bancshares, Inc. Danville, AR RSSD Number: 1141487 VOICE: (479) 495-4680 FAX: (479) 495-4681 105 East 9th Street P. O. Box 1330 72833-1330 Chm/CEO/Pres: John Ed Chambers, III CFO: Mike Donnell Subsidiaries: Community Investment, Inc. Community Bank of North Arkansas Chambers Bank Blue Star Title of Arkansas, Inc. CB Financial Services, Inc. Blue Star Financial, Inc. River Valley Appraisal Sloan Capital Trust I Fayetteville, AR Fayetteville, AR Danville, AR Danville, AR Danville, AR Plano, TX Danville, AR Danville, AR Bank of Dardanelle Bankshares, Inc. Dardanelle, AR RSSD Number: 1134546 VOICE: (479) 229-3311 FAX: (479) 229-4180 102 North Front Street P. O. Box 577 72834-0577 CEO/Pres: Ronald L. Taylor Sec: Thomas C. Berryhill Subsidiaries: Bank of Dardanelle Dardanelle, AR Peterson Holding Company Decatur, AR RSSD Number: 1845619 VOICE: (479) 752-3281 FAX: (479) 752-8154 Chm: Richard E. Wilmoth Subsidiaries: Decatur State Bank Decatur Insurance Agency Grand Savings Bank Hwy. 59 North P. O. Box 38 72722-0038 CEO/Pres: Vernon L. Austin Decatur, AR Decatur, AR Grove, OK Ninetieth Report 127 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 American State Bank First State Bank of Idabel Hope, AR Blevins, AR Hope, AR Lewisville, AR Ashdown, AR DeQueen, AR Dierks, AR Nashville, AR Waldron, AR Broken Bow, OK Idabel, OK First State Bancshares, Inc. DeQueen, AR RSSD Number: 2032724 VOICE: (870) 642-4423 FAX: (870) 642-2847 Chm: Dennis Smiley 402 West Collin Raye Drive P. O. Box 970 71832-0970 CEO/Pres: Gary L. Golden Subsidiaries: First State Bank of DeQueen DeQueen, AR First Service Bancshares, Inc. Dermott, AR RSSD Number: 1137266 VOICE: (870) 538-3221 FAX: (870) 538-3246 CEO/Pres: Thomas H. Grumbles Treas/Sec: Daniel C. Horton Subsidiaries: First Service Bank 114 East Peddicord P. O. Box 800 71638-0815 Sec: Kenneth Barnard Sec: Veronica Studards Greenbrier, AR Arkansas State Bank Department 128 DBT Financial Corporation DeWitt, AR RSSD Number: 1139176 VOICE: (870) 946-3531 FAX: (870) 946-2815 Second and Jefferson Streets P. O. Drawer 71 72042-0071 Pres: Nancy F. Rasco Sec: Ben Bolton Subsidiaries: DeWitt Bank And Trust Company DBT Realty Company, Inc. DeWitt Bank and Trust Insurance Company, Inc DeWitt, AR DeWitt, AR DeWitt, AR M & F Financial Corporation Dumas, AR RSSD Number: 1099506 VOICE: (870) 382-4311 FAX: (870) 382-5901 Chm/CEO: L. Ashton Adcock Pres: J. Michael Jones 130 West Waterman P. O. Box 187 71639-0187 Treas/Sec: Betty B. Trites Subsidiaries: Merchants & Farmers Bank Dumas, AR First Financial Banc Corporation El Dorado, AR RSSD Number: 2568102 VOICE: (870) 863-7000 FAX: (870) 881-5393 CEO/Pres: J. Stephen Cameron CFO: Melissa Jerry 214 North Washington Street P. O. Box 1754 71730-1754 COO: Jerry Bullard Sec: Debra Martin Subsidiaries: First Financial Bank First Title Services, Inc. First Financial Banc Corporation Statutory Trust I First Financial Banc Corporation Statutory Trust II El Dorado, AR El Dorado, AR Hartford, CT Hartford, CT Ninetieth Report 129 Timberland Bancshares, Inc. El Dorado, AR RSSD Number: 3025246 VOICE: (870) 862-5900 FAX: (870) 862-5432 2421 North West Avenue P. O. Box 7205 71731-7205 CEO/Pres: Tandy Menefee EVP: Mark Turner SVP: Carolyn Beavers Subsidiaries: Timberland Bank El Dorado, AR MHBC Investments Limited Partnership, I England, AR RSSD Number: 2795083 VOICE: (501) 842-2555 FAX: (501) 842-2422 123 South Main Street P.O. Box 70 72046 Chm/CEO/Pres: Gary Canada Subsidiaries: Bank of England The Capital Funding Source, Inc. Bank of England Mortgage Company Lonoke Banking Center Title Company England, AR England, AR Little Rock, AR Lonoke, AR Delta Bancshares of Louisiana, Inc. Eudora, AR RSSD Number: 2806662 VOICE: (870) 355-8311 FAX: (870) 355-8509 Chm: Charles F. Poole Subsidiaries: The Eudora Bank West Carroll Community Bank 111 North Main Street P. O. Box 250 71640-0250 Pres: Gene Keith Eudora, AR Oak Grove, LA Arkansas State Bank Department 130 Eureka Bancshares, Inc. Eureka Springs, AR RSSD Number: 2941769 VOICE: (479) 253-8241 FAX: (479) 253-6947 70 South Main P. O. Box 309 72632-0309 Bank Holding Company John F. Cross Family Limited Partnership II, Eureka Springs, AR Chm/CEO/Pres: John F. Cross Subsidiaries: Bank of Eureka Springs Eureka Springs, AR JFC, Inc. Eureka Springs, AR RSSD Number: 2941750 VOICE: (479) 253-8241 FAX: (479) 253-6947 70 South Main P. O. Box 309 72632-0309 Pres: John F. Cross Subsidiaries: John F. Cross Family Limited Partnership II Eureka Bancshares, Inc. Bank of Eureka Springs Eureka Springs, AR Eureka Springs, AR Eureka Springs, AR John F. Cross Family Limited Partnership II Eureka Springs, AR RSSD Number: 2941741 VOICE: (479) 253-8241 FAX: (479) 253-6947 70 South Main P. O. Box 309 72632-0309 Bank Holding Company JFC, Inc., Eureka Springs, AR Pres: John F. Cross Subsidiaries: Eureka Bancshares, Inc. Bank of Eureka Springs Eureka Springs, AR Eureka Springs, AR Ninetieth Report 131 Community Investment, Inc. Fayetteville, AR RSSD Number: 1099524 VOICE: (479) 973-2265 FAX: (479) 973-2201 1685 East Joyce Boulevard 72703 Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm/CEO/Pres: Robert Y. Taylor Subsidiaries: Community Bank of North Arkansas Fayetteville, AR FBT Bancshares, Inc. Fordyce, AR RSSD Number: 1099092 VOICE: (870) 352-3107 FAX: (870) 352-5202 200 West 4th Street 71742-2202 Chm/CEO/Pres: James V. Hulse, Jr. EVP: Don Lyle EVP/Sec: Suzette Crutchfield SVP/Treas: Wanda Smurl Subsidiaries: Fordyce Bank & Trust Company Fordyce, AR First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (479) 782-2041 FAX: (479) 788-4602 CEO/Pres: Samuel M. Sicard EVP: Mont S. Echols, Jr. Subsidiaries: Vista Bancorporation Citizens Bank & Trust Company PMF, Inc. The First National Bank of Fort Smith Sequoyah County Bancshares, Inc. National Bank of Sallisaw Brown-Hiller, Inc. Realty Appraisals, Inc. Brown Hiller Clark, Inc. 602 Garrison Avenue P. O. Box 7 72902-0007 Sec: Niki Harrison Van Buren, AR Van Buren, AR Van Buren, AR Fort Smith, AR Sallisaw, OK Sallisaw, OK Fort Smith, AR Fort Smith, AR Sallisaw, OK Arkansas State Bank Department 132 Planters & Merchants Bancshares, Inc. Gillett, AR RSSD Number: 1491511 VOICE: (870) 548-2211 FAX: (870) 548-2220 210 West Main P. O. Box 357 72055-0357 Chm: Frank C. Wolfe CEO/Pres: Larry E. Bauer Subsidiaries: Planters & Merchants Bank P & M Real Estate, Inc. Gillett, AR Gillett, AR Bainum Bancorp Glenwood, AR RSSD Number: 1399792 VOICE: (870) 356-2121 FAX: (870) 356-2211 205 Hwy 70E P. O. Box 500 71943-0500 Chm: Timothy E. Bainum VP: Evea J. Bainum VP: Harold A. Smith Treas/Sec: Lynda Robbins Subsidiaries: Arkansas Diamond Bank Glenwood, AR Bainum Bancorp II Glenwood, AR RSSD Number: 1491333 VOICE: (870) 356-2121 FAX: (870) 356-2211 Chm: Evea J. Bainum VP: Timothy E. Bainum Subsidiaries: Diamond State Bank Diamond State Insurance Agency 205 Hwy 70 East P. O. Box 500 71943 VP: John A. Ross Treas/Sec: Lynda Robbins Murfreesboro, AR Murfreesboro, AR Ninetieth Report 133 Gravett Bancshares, Inc. Gravette, AR RSSD Number: 3143953 VOICE: (479) 787-5251 FAX: (479) 787-6102 211 South East Main Street P.O. Box 149 72736-0149 Chm/Pres: John R. Meade EVP/Sec: David N. Wills VP: Jim A. Edmondson Subsidiaries: Bank of Gravett Gravette, AR Peoples Home Holding, Inc. Greenbrier, AR RSSD Number: 3029196 VOICE: (501) 679-7283 FAX: (501) 679-7745 Chm/Pres: John Stacks VP: Joe Benton 61 A South Broadview P. O. Box 307 72058 VP: Bill Hannah Sec: Terry Milam Subsidiaries: Home Bank of Arkansas HomeBank Insurance Agency Portland, AR Greenbrier, AR Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (479) 996-4171 FAX: (479) 996-6700 Chm: Elizabeth Wilkinson Subsidiaries: Farmers Bank 71 West Center Street P. O. Box 610 72936-0610 CEO/Pres: Edward Wilkinson Greenwood, AR Arkansas State Bank Department 134 Community First Bancshares, Inc. Harrison, AR RSSD Number: 2754585 VOICE: (870) 391-8000 FAX: (870) 391-8081 Chm/CEO: William King Gladden 200 East Ridge P. O. Box 913 72602-0913 Sec: Dan R. Bowers Subsidiaries: Community First Bank Community First AR Statutory Trust I Mobius Technology Consulting, LLC Harrison, AR Harrison, AR Springfield, MO First National Bancshares of Hempstead County, Inc. Hope, AR RSSD Number: 1100224 VOICE: (870) 777-2363 FAX: (870) 777-5597 200 East Third Street P. O. Box 520 71802-0520 Bank Holding Company First National Security Company, DeQueen, AR Chm/CEO/Pres: Thomas E. Hays, Jr. VP: Charles E. Sharpe, Jr. Subsidiaries: Bank of Blevins The First National Bank of Hope The First National Bank of Lewisville Blevins, AR Hope, AR Lewisville, AR Pioneer Bancshares, Inc. of Horatio, Arkansas Horatio, AR RSSD Number: 1139091 VOICE: (870) 832-2501 FAX: (870) 832-2577 Chm/CEO/Pres: Edith H. Smith VP: C. E. Hendrix, Jr. Subsidiaries: Horatio State Bank 123 Main Street P. O. Box 347 71842-0347 Treas/Sec: Carl E. Hendrix, III Horatio, AR Ninetieth Report 135 Smith Associated Banking Corporation Hot Springs, AR RSSD Number: 1098004 VOICE: (501) 623-4292 FAX: (501) 623-4688 1801 Central Avenue, Suite B 71901 Chm/CEO/Pres: Richard T. Smith Subsidiaries: Bank of Salem SABCO Insurance, Inc. The Stephens Security Bank Ouachita Properties, Inc. Stephens Security Insurance Agency, Inc. Salem, AR Salem, AR Stephens, AR Stephens, AR Stephens, AR First Arkansas BancShares, Inc. Jacksonville, AR RSSD Number: 1096550 VOICE: (501) 982-4511 FAX: (501) 982-5769 600 West Main Street P. O. Box 827 72078-0827 Chm/CEO/Pres: Larry T. Wilson EVP/Sec: Ken Southern Subsidiaries: First Arkansas Bank & Trust First Arkansas Mortgage Company Jacksonville, AR Jacksonville, AR American State Bank Corporation Jonesboro, AR RSSD Number: 2356886 VOICE: (870) 972-9800 FAX: (870) 930-9311 Chm/Pres: Frank Oldham EVP: David Dudley Subsidiaries: American State Bank American State Capital Trust I American State Trust & Financial Services, Inc. 2201 Fair Park P. O. Box 3080 72403 EVP: Steve Gramling Treas/Sec: Judy Dacus Jonesboro, AR Jonesboro, AR Jonesboro, AR Arkansas State Bank Department 136 Heritage Capital Corporation Jonesboro, AR RSSD Number: 1143717 VOICE: (870) 802-2344 FAX: (870) 268-2033 2009 Browns Lane P. O. Box 3020 72403-3020 Chm/CEO: Larry Grisham Pres: Stephen C. May Treas/Sec: Diane Steiling Subsidiaries: Heritage Bank Jonesboro, AR Liberty Bancshares, Inc. Jonesboro, AR RSSD Number: 3101784 VOICE: (870) 934-9000 FAX: (870) 268-1551 2901 East Highland Drive P.O. Box 7514 72401 Chm/CEO: Wallace W. Fowler Pres: Mark P. Fowler Sec: Lloyd H. McCracken, Jr. Subsidiaries: Liberty Bank of Arkansas Freedom Insurance Group, Inc. MSB Capital Trust I Jonesboro, AR Jonesboro, AR Jonesboro, AR Russellville Bancshares, Inc. Jonesboro, AR RSSD Number: 3021220 VOICE: (870) 972-5866 FAX: (870) 268-1551 2901 East Highland Drive P.O. Box 7514 72401 Bank Holding Company Home BancShares, Inc., Conway, AR Chm/Pres: Roy A. Reaves VChm: Wallace W. Fowler Subsidiaries: First Arkansas Valley Bank Sec: Lloyd H. McCracken, Jr. Russellville, AR Ninetieth Report 137 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: M. Don Smith Pres: Sheila Harrison Smith Subsidiaries: Pine State Bank Kingsland, AR Southeast Arkansas Bank Corporation Lake Village, AR RSSD Number: 1137033 VOICE: (870) 265-2241 FAX: (870) 265-2125 201 Main Street P. O. Box 727 71653-0727 Chm: Charles H. Weissinger, Jr. CEO/Pres: Terence J. Alpe VChm: William W. Bunker Atty: David F. Gillison, Jr. Subsidiaries: The Bank of Lake Village BLV Realty, Inc. The Jefferson Bank The Jefferson Agency Lake Village, AR Lake Village, AR Fayette, MS Fayette, MS Little River Bancshares, Inc. Lepanto, AR RSSD Number: 2463391 VOICE: (870) 475-2306 FAX: (870) 475-3070 Chm: Henry G. Watkins, III Pres: Benjamin E. Perry Subsidiaries: Little River Bank 202 Greenwood Avenue P. O. Box 340 72354-0340 Sec: Thomas M. Hargrove Lepanto, AR Arkansas State Bank Department 138 Arkansas Bankers' Bancorporation, Inc. Little Rock, AR RSSD Number: 1491650 VOICE: (501) 371-0535 FAX: (501) 375-2281 1020 West Second Street 72201-2031 Chm: Thomas H. Grumbles CEO/Pres: James N. Thomason Subsidiaries: Arkansas Bankers' Bank Little Rock, AR Bank of the Ozarks, Inc. Little Rock, AR RSSD Number: 1097089 VOICE: (501) 978-2265 FAX: (501) 978-2205 12615 Chenal Parkway P. O. Box 8811 72231-8811 Chm/CEO: George G. Gleason, II VChm/Pres/COO: Mark D. Ross CFO: Paul E. Moore Subsidiaries: Bank of the Ozarks Ozark Capital Statutory Trust II Ozark Capital Statutory Trust III Little Rock, AR Hartford, CT Wilmington, DE Capital Bancshares, Inc. Little Rock, AR RSSD Number: 2777016 VOICE: (501) 228-6000 FAX: (501) 228-6006 Chm: Warren Stephenson CEO/Pres: Kyle E. Patton Subsidiaries: The Capital Bank 12224 Chenal Parkway P. O. Box 8210 72211 EVP: Bonnie Crocheron Little Rock, AR Ninetieth Report 139 Delta Trust & Banking Corporation Little Rock, AR RSSD Number: 2834115 VOICE: (501) 907-2298 FAX: (501) 907-2299 11700 Cantrell Road P. O. Box 17607 72222 Chm/CEO: J. French Hill Pres: Thomas R. Pugh, Jr. EVP: Carroll Penick Sec: Carolyn F. Warner Subsidiaries: Delta Trust & Bank Delta Trust Investments, Inc. Moore Mortgage Inc. Delta Trust Insurance Agency, Inc. Parkdale, AR Little Rock, AR Little Rock, AR Parkdale, AR Lake Hamilton Enterprises, Inc. Little Rock, AR RSSD Number: 1094864 VOICE: (501) 562-3894 FAX: (501) 562-2611 2311 Biscayne, Suite 300 P. O. Box 4216 72227 Chm/Pres: Paul D. Eaton Treas/Sec: John M. Henry Subsidiaries: The Bank of Harrisburg The Cleburne County Bank Harrisburg, AR Heber Springs, AR Little Rock Bankshares, Inc. Little Rock, AR RSSD Number: 2617082 VOICE: (501) 376-0800 FAX: (501) 374-7937 Chm/CEO: Eugene L. Maris Pres: George G. Worthen Subsidiaries: Bank of Little Rock BLR Mortgage Corp. Hallmark Loan & Inv. Co. 200 North State Street P. O. Box 34090 72203 EVP: Larry R. Brown SVP/Cash: Lee A. Swearingen Little Rock, AR Little Rock, AR Little Rock, AR Arkansas State Bank Department 140 Pulaski Investment Corporation Little Rock, AR RSSD Number: 1095423 VOICE: (501) 661-7700 FAX: (501) 661-7861 5800 R Street P. O. Box 7299 72217-7299 Chm: James C. East CEO: J. Hunter East Pres: Robert C. Magee Subsidiaries: Pulaski Bank And Trust Company Directors Properties, Inc. Lenders Title Company Pulaski Building, Inc. Pulaski Insurance Agency, Inc. Pulaski Mortgage Company Pulaski Services, Inc. Pulaski Capital Trust Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Riverside Bancshares, Inc. Little Rock, AR RSSD Number: 2155342 VOICE: (501) 614-6161 FAX: (501) 614-6162 Pres: Stephen C. Davis Subsidiaries: Riverside Bank Little Rock Title Company Riverside Mortgage Company, Inc. 1001 W. Markham, 2nd Floor 72201 Sec: David Matchet Sparkman, AR Little Rock, AR Little Rock, AR Ninetieth Report 141 State Holding Company Little Rock, AR RSSD Number: 1100046 VOICE: (501) 223-2000 FAX: (501) 223-0373 650 South Shackleford, Suite 150 P. O. Box 22120 72221-2120 Chm: Harry L. Hastings, Jr. CEO/Pres: Catherine H. Owen EVP: Paul Castleberry Sec: Randall K. Herlocker Subsidiaries: Heber Springs State Bank Eagle Development Company North Eagle Bank & Trust Company Eagle Development Company South State Mortgage Company Heber Springs, AR Heber Springs, AR Little Rock, AR Little Rock, AR Little Rock, AR Lonoke Bancshares, Inc. Lonoke, AR RSSD Number: 1491614 VOICE: (501) 676-3106 FAX: (501) 676-5046 Chm: Neil Bennett, Jr. CEO: David R. Estes 101 South Center Street P. O. Box 320 72086-0320 Sec: Karen K. Hardke Subsidiaries: First State Bank First State Land Co., Inc. Lonoke Statutory Trust I Lonoke, AR Lonoke, AR Lonoke, AR Golden Oaks Bancshares, Inc. Magnolia, AR RSSD Number: 1098684 VOICE: (870) 234-5777 FAX: (870) 234-3384 Chm: S. Clark Fincher VChm: Harold H. Fincher Subsidiaries: The Peoples Bank 500 North Jackson Street P. O. Box 340 71754-0340 Pres: Mary L. Fowler Magnolia, AR Arkansas State Bank Department 142 Magnolia Banking Corporation Magnolia, AR RSSD Number: 1135413 VOICE: (870) 235-7000 FAX: (870) 235-7010 200 East Main Street P. O. Box 250 71754-0250 Chm/CEO/Pres: Bob L. Burns VP: Steve Keith VP: Bruce D. Maloch Sec: Mary W. Harsh Subsidiaries: Farmers Bank and Trust Company FB&T Insurance Agency of South Arkansas, Inc. Magnolia Properties, Inc. Magnolia, AR Magnolia, AR Magnolia, AR Southern State Bancshares, Inc. Malvern, AR RSSD Number: 2497396 VOICE: (501) 332-2462 FAX: (501) 332-8437 521 East Page P. O. Box 340 72104-0340 Chm/CEO/Pres: Donald A. Walsh EVP: Sue Stinnett VP: Johnny Gibbs Subsidiaries: Southern State Bank Malvern, AR Tyronza Bancshares, Inc. Marked Tree, AR RSSD Number: 1139783 VOICE: (870) 358-6000 FAX: (870) 358-6001 Chm: George E. Beley Subsidiaries: First Delta Bank 214 Hester Parker Drive P. O. Box 635 72365-0635 Pres: Chris M. Lehman Marked Tree, AR Ninetieth Report 143 M. D. Thompson & Son Co. McCrory, AR RSSD Number: 1094967 VOICE: (870) 731-2526 FAX: (870) 731-2527 105 South Edmonds Avenue P. O. Box 388 72101-0388 CEO/Pres: John G. Thompson VP/Sec: H. Ripley Thompson Subsidiaries: Bank of McCrory McCrory, AR Southeast Financial Bankstock Corporation McGehee, AR RSSD Number: 1096662 VOICE: (870) 222-3151 FAX: (870) 222-6159 Pres: William W. Bowman VP: John H. Potter, Jr. 301 North 2nd P. O. Box 787 71654-0787 Sec: James M. Smith Subsidiaries: McGehee Bank McBank Realty McGehee, AR McGehee, AR Union Bankshares, Inc. Mena, AR RSSD Number: 1099805 VOICE: (479) 394-2211 FAX: (479) 394-3809 Chm: Edward W. Stevenson CEO/Pres: Philip B. Hensley Subsidiaries: The Union Bank of Mena 303 Hwy 71 North P. O. Box 898 71953-0898 SVP/CFO: Michael D. Myers Sec: David Maddox Mena, AR Arkansas State Bank Department 144 Drew Bancshares, Inc. Monticello, AR RSSD Number: 1098198 VOICE: (870) 367-6221 FAX: (870) 367-7700 212 West Gaines P. O. Box 150 71657-0150 Chm: Virginia M. Ryburn VChm: Bennie Ryburn, Jr. Pres: George T. Harris Subsidiaries: Commercial Bank & Trust Company Monticello, AR First Union Financial Corporation Monticello, AR RSSD Number: 1098880 VOICE: (870) 460-6400 FAX: (870) 460-6465 102 West McCloy P. O. Box 270 71657-0270 Chm/CEO: Zach McClendon, Jr. Pres: James P. Jett Subsidiaries: Union Bank And Trust Company First Union Insurance Monticello, AR 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 Ninetieth Report 145 TrustBanc Financial Group, Inc. Mountain Home, AR RSSD Number: 2889197 VOICE: (870) 424-4100 FAX: (870) 424-4144 Pres: Phillip H. Young 665 Hwy. 62 East P. O. Box 2130 72654-2130 CFO: Ed McGill Subsidiaries: TrustBanc Mountain Home, AR Mountain View Bancshares, Inc. Mountain View, AR RSSD Number: 2317999 VOICE: (870) 269-3815 FAX: (870) 269-2899 Chm: Glen Hinkle CEO/Pres: James G. Hinkle 121 East Main Street P. O. Box 1228 72560-1228 Sec: Kenneth Sutton Subsidiaries: Bank of Mountain View Mountain View Aviation, LLC Sylamore Properties, Inc. Mountain View, AR Mountain View, AR Mountain View, AR Acme Holding Co., Inc. Employee Stock Ownership Plan (ESOP) Mulberry, AR RSSD Number: 2576424 VOICE: (479) 997-1154 FAX: (479) 997-1161 311 Main Street P. O. Drawer A 72947-0480 CEO: Lex Golden Subsidiaries: Acme Holding Company, Inc. Allied Bank General Mortgage Co. Acme Statutory Trust I Mulberry, AR Mulberry, AR Mulberry, AR Mulberry, AR Arkansas State Bank Department 146 Acme Holding Company, Inc. Mulberry, AR RSSD Number: 1140556 VOICE: (479) 997-1154 FAX: (479) 997-1161 311 Main Street P. O. Drawer A 72947-0480 Bank Holding Company Acme Holding Co., Inc. Employee Stock Ownership Plan (ESOP), Mulberry, AR CEO: Lex Golden Pres: Alex Golden Subsidiaries: Allied Bank General Mortgage Co. Acme Statutory Trust I Mulberry, AR Mulberry, AR Mulberry, AR M & P Community Bancshares, Inc. Newport, AR RSSD Number: 1491306 VOICE: (870) 523-3601 FAX: (870) 523-3473 Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. 120 Hazel Street P. O. Box 650 72112-0650 VP/Sec: Carla P. Stiger Subsidiaries: Greers Ferry Lake State Bank Merchants & Planters Bank M & P Community Statutory Trust I McCartney, Manning, McDonald, & Guinn Insurance, Inc. Preferred Choice Financial Services, Inc. Heber Springs, AR Newport, AR Newport, AR Newport, AR Newport, AR Ninetieth Report 147 TCBancorp, Inc. North Little Rock, AR RSSD Number: 2891819 VOICE: (501) 812-1400 FAX: (501) 812-1459 2716 Lakewood Village Place P.O. Box 16270 72116 Bank Holding Company Home BancShares, Inc., Conway, AR Chm: John W. Allison Pres: Bob Birch Sec: Richard H. Ashley Subsidiaries: CB Bancorp, Inc. Community Bank Community Home Lenders of Arkansas, Inc. Community Insurance Agency, Inc. Community Title Services, Inc. Grand Prairie Title Company, Inc. Lonoke Abstract Corporation Community Financial Group Statutory Trust Community Financial Solutions Twin City Bank FirsTrust Financial Services, Inc. Cabot, AR Cabot, AR Cabot, AR Cabot, AR Cabot, AR Cabot, AR Lonoke, AR Cabot, AR Cabot, AR North Little Rock, AR Little Rock, AR Parkin Bancorp, Inc. Parkin, AR RSSD Number: 1142411 VOICE: (870) 755-5401 FAX: (870) 755-5648 Chm/Pres: William N. Griffin Subsidiaries: First State Bank 123 West Parkin P. O. Box 526 72373-0526 Sec: William N. Griffin, Jr. Parkin, AR Arkansas State Bank Department 148 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: Robert M. Hill, Sr. Sec: Herby Branscum, Jr. Subsidiaries: Chart Bank Perry County Bancshares Statutory Trust Perryville, AR Wilmington, DE 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 Ninetieth Report 149 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 EVP/COO: Barry L. Crow SVP: Tommie K. Jones SVP/CFO: Robert A. Fehlman Subsidiaries: Simmons First Bank of El Dorado, N. A. Simmons First Bank of Hot Springs Simmons First Bank of Jonesboro Simmons First Bank of South Arkansas Simmons First National Bank Simmons First Investment Group Simmons First Trust Company, N.A. Simmons First Bank of Northwest Arkansas Simmons First Bank of Russellville Simmons First Bank of Searcy Arkansas Fund, Inc. Simmons First Capital Trust Simmons First Capital Trust II Simmons First Capital Trust III Simmons First Capital Trust IV El Dorado, AR Hot Springs, AR Jonesboro, AR Lake Village, AR Pine Bluff, AR Little Rock, AR Pine Bluff, AR Rogers, AR Russellville, AR Searcy, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pocahontas Bankstock, Inc. Pocahontas, AR RSSD Number: 1834266 VOICE: (870) 892-5286 FAX: (870) 892-8381 Pres: John R. Jackson, Jr. VP: Don R. Cox Subsidiaries: Bank of Pocahontas 1 Bank Plaza P. O. Box 467 72455-0467 Sec: Frank Bigger Pocahontas, AR Arkansas State Bank Department 150 Parkway Bankshares, Inc. Portland, AR RSSD Number: 1141188 VOICE: (870) 737-2226 FAX: (870) 737-4263 217 N. Main Street P. O. Box 68 71663 Chm: Robert D. Pugh CEO/Pres: Jerry Sadler Subsidiaries: Parkway Bank Portland, AR Prescott Bancshares, Inc. Prescott, AR RSSD Number: 2236586 VOICE: (870) 887-2688 FAX: (870) 887-6822 East Second at Main P.O. Drawer 490 71857-0490 Pres: John Warren Brannan, Jr. EVP: James E. Franks Treas/Sec: Karen McLelland Subsidiaries: Bank of Prescott Prescott, AR BOR Bancshares, Inc. Rogers, AR RSSD Number: 2626516 VOICE: (479) 621-6800 FAX: (479) 621-6801 Chm/CEO: Dick McLelland Pres: Guy J. Cable Subsidiaries: Bank of Rogers 801 North Dixieland P. O. Box 699 72757 EVP: Scott Franklin Rogers, AR Ninetieth Report 151 First State Banking Corporation Russellville, AR RSSD Number: 1096448 VOICE: (479) 498-2402 FAX: (479) 498-2465 3103 East Main Street P. O. Box 10610 72812 Chm/CEO: Charles Blanchard VChm: Don C. Guess Pres: Johnny K. Morgan Sec: Mandy Morgan Subsidiaries: First State Bank Nimrod Real Estate, Inc. First State Bank Capital Statutory Trust FSB Capital Trust II Russellville, AR Plainview, AR Hartford, CT Wilmington, DE 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: First Security Bank of Clarksville First Security Bank of Conway First Security Bank of Mountain Home Peoples Real Estate Management Co. First Security Bank First Security Investment Advisors, Inc. First Security Real Estate Management, Inc. FNBS Investments Inc. Crews & Associates, Inc. Clarksville, AR Conway, AR Mountain Home, AR Mountain Home, AR Searcy, AR Searcy, AR Searcy, AR Las Vegas, NV Little Rock, AR Arkansas State Bank Department 152 Arkansas State Bancshares, Inc. Siloam Springs, AR RSSD Number: 2965934 VOICE: (479) 524-8101 FAX: (479) 524-3307 318 East Main Street P. O. Box 400 72761-0400 Pres: Arthur Morris Subsidiaries: Arkansas State Bank Siloam Springs, AR Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 708 North Broadway P. O. Box 107 71762-0107 CEO/Pres: Bob Willett SVP: J. Drew Tennyson SVP: James B. Yeager VP: Vicki Davis Subsidiaries: Smackover State Bank Smackover, AR BTS Bancshares, Inc. Springdale, AR RSSD Number: 1951172 VOICE: (479) 750-9100 FAX: (479) 750-0953 5571 Bleaux Ave. P. O. Box 6485 72766 Chm: Sam Mathias Subsidiaries: First State Bank of Northwest Arkansas Huntsville, AR Ninetieth Report 153 Bodcaw Bancshares, Inc. Stamps, AR RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 307 Thomas Street P. O. Box 8 71860-0008 Chm: J. Paul Nipper Subsidiaries: Bodcaw Bank Stamps, AR Star City Bancshares, Inc. Star City, AR RSSD Number: 1131723 VOICE: (870) 628-4286 FAX: (870) 628-5274 116 North Lincoln P. O. Drawer 69 71667-0069 Chm/CEO/Pres: Bennie F. Ryburn, Jr. Subsidiaries: Bank of Star City Star City, AR The Farmers and Merchants Bankshares, Inc. Stuttgart, AR RSSD Number: 1099672 VOICE: (870) 673-6911 FAX: (870) 672-4282 Chm: Roy O. McCollum, III Subsidiaries: The Farmers and Merchants Bank F & M Realty, Inc. 708 South Main P. O. Drawer 1010 72160-1010 CEO/Pres: Don Pattillo Stuttgart, AR Stuttgart, AR Arkansas State Bank Department 154 Vista Bancorporation Van Buren, AR RSSD Number: 1398777 VOICE: (479) 474-1201 FAX: (479) 410-1340 3110 Alma Highway P. O. Box 469 72956-0469 Bank Holding Company First Bank Corp., Fort Smith, AR Chm/CEO: James G. Williamson, Jr. Treas: Joe Dan Stewart Sec: D. Keith Hefner Subsidiaries: Citizens Bank & Trust Company PMF, Inc. Van Buren, AR Van Buren, AR Bradley Bancshares, Inc. Warren, AR RSSD Number: 1097463 VOICE: (870) 226-2601 FAX: (870) 226-2253 Chm: Virginia M. Ryburn CEO/Pres: Freddie M. Mobley 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: Mac McClanahan Subsidiaries: Cross County Bank 1 Cross County Plaza P. O. Box 9 72396-0009 EVP: David Dowd Treas/Sec: Shelia Hess Wynne, AR OUT OF STATE BANK HOLDING COMPANIES AND THEIR ARKANSAS SUBSIDIARIES JUNE 30, 2004 Arkansas State Bank Department 156 Security State Bancshares, Inc. Charleston, MO RSSD Number: 1248573 VOICE: (573) 683-3712 FAX: (573) 683-7088 101 South Main P. O. Box 99 63834 CEO/Pres: Don Burnett Sec: William Clayton Vandivort Subsidiaries: Security State Bancshares of Arkansas, Inc. Bank of Paragould First Security State Bank of Southeast Missouri First Security State Bank of Charleston Security State Statutory Trust I Security State Statutory Trust II Charleston, MO Paragould, AR Caruthersville, MO Charleston, MO Charleston, MO Charleston, MO Security State Bancshares of Arkansas, Inc. Charleston, MO RSSD Number: 3161555 VOICE: (573) 683-3712 FAX: (573) 683-7088 101 South Main P.O. Box 99 63834 Bank Holding Company Security State Bancshares, Inc., Charleston, MO CEO/Pres: Don Burnett Subsidiaries: Bank of Paragould Paragould, AR Ninetieth Report ABBREVIATIONS Chm: CEO: VChm: Pres: Reg Pres: EVP: SVP: CAO: CFO: CLO: COO: AdmVP: EO: VP: SLO: Cash: Cont: AVP: Aud: TO: ATO: Treas: Sec: Atty: Chairman of the Board Chief Executive Officer Vice Chairman President Regional President Executive Vice President Senior Vice President Chief Administrative Officer Chief Financial Officer Chief Lending Officer Chief Operating Officer Administrative Vice President Executive Officer Vice President Senior Loan Officer Cashier Controller Assistant Vice President Auditor Trust Officer Assistant Trust Officer Treasurer Secretary Attorney 157 158 Arkansas State Bank Department NOTES Ninetieth Report NOTES 159 160 Arkansas State Bank Department NOTES