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REPORT OF THE BANK COMMISSIONER OF ARKANSAS 2012 MIKE BEEBE Governor CANDACE A. FRANKS Bank Commissioner NINETY-EIGHTH ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2012 Ninety-Eighth Report STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2012 Honorable Mike Beebe Governor of Arkansas Little Rock, Arkansas Governor Beebe: I am pleased to submit to you the Ninety-Eighth 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, 2012. 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, Candace A. Franks Bank Commissioner Ninety-Eighth Report TABLE OF CONTENTS Legal Holidays ............................................................................................................................................ 2 Commissioners of The Bank Department .................................................................................................. 3 State Banking Board .................................................................................................................................. 4 Departmental Roster .................................................................................................................................. 5 State Chartered Banks Merged/ Main office relocation/Branches approved .............................................................................................. 9 Subchapter S Corporation Banks ............................................................................................................. 10 Fiscal Report of The Bank Department .................................................................................................... 11 Federal Supervisory Agencies ................................................................................................................. 12 Trade Associations ................................................................................................................................... 17 Consolidated Report of Condition Data State Chartered Banks .......................................................................................................................... 21 Consolidated Statement of State Chartered Trust Departments ...................................................................................................... 22 Consolidated Report of Condition Data National Banks ...................................................................................................................................... 23 Tier One Leverage Ratios For All Arkansas Commercial Banks ................................................................................................................ 24 National Banks ......................................................................................................................................... 28 Report of State Chartered Commercial Banks ......................................................................................... 31 Report of State Chartered Non-Profit Organization .................................................................................. 83 Report of State Chartered Trust Companies ............................................................................................ 85 Report of Regional/County Industrial Development Corporations............................................................ 87 Report of Capital Development Company................................................................................................ 89 Commercial Banks Listed by County ....................................................................................................... 91 Map of Arkansas Counties ....................................................................................................................... 95 Arkansas Bank Holding Companies ......................................................................................................... 97 Out of State Bank Holding Companies................................................................................................... 131 Abbreviations .......................................................................................................................................... 133 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. Ninety-Eighth 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 June 11, 2007 21. Candace A. Franks ........................ June 13, 2007 …………….... Arkansas State Bank Department 4 STATE BANKING BOARD MEMBERS Mr. Gary Hudson Chairman The Farmers and Merchants Bank P. O. Box 1010 Stuttgart, AR 72160 VOICE: (870) 673-6911 FAX: (870) 673-4282 TERM EXPIRES: 12-31-13 Mr. Rodney Parks Vice Chairman 10606 Yosemite Valley Drive Little Rock, AR 72212 VOICE: (501) 975-8535 TERM EXPIRES: 12-31-13 Mr. Charles Smith P. O. Box 180490 Fort Smith, AR 72918 VOICE: (479) 788-7427 FAX: (479) 434-4388 TERM EXPIRES: 12-31-13 Mr. Marcus McCain Summit Bank P. O. Box 965 Arkadelphia, AR 71923-0965 VOICE: (870) 230-8067 FAX: (870) 246-0016 TERM EXPIRES: 12-31-14 Mr. John Freeman Liberty Bank of Arkansas P. O. Box 7514 Jonesboro, AR 72403 VOICE: (870) 934-9000 FAX: (870) 268-1525 TERM EXPIRES: 12-31-15 Ms. Elizabeth Bowles 401 West Capitol Avenue, Suite 700 Little Rock, AR 72201 VOICE: (501) 374-4638 FAX: (501) 376-1377 TERM EXPIRES: 12-31-16 Ninety-Eighth 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.arkansas.gov/bank/ DEPARTMENTAL ROSTER Candace A. Franks - Bank Commissioner Luther Guinn Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination State Banking Board Susannah T. Marshall - Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination Application Information EXAMINATION AND SUPERVISION Assistant Deputy Bank Commissioners: H. Wilks Marshall, Jr. Richard D. Buzbee Larry M. Hillyard Baker L. Moseley Regulatory Examinations/Regulatory and Banking Procedures Bank Performance Evaluation and Monitoring Personnel Recruitment and Management EXAMINATION PERSONNEL LITTLE ROCK OFFICE Gary W. Bush Certified Examinations Manager Robert M. Henry Certified Bank Senior Examiner Matthew A. Rose – Commissioned Senior Examiner Mark Rye – Commissioned Senior Examiner Lance A. Nutt – Bank Senior Examiner Jim E. Homan – Bank Senior Examiner Jordan A. Patterson – Bank Junior Examiner Eric Roberts – Bank Assistant Examiner 5 6 Arkansas State Bank Department LITTLE ROCK OFFICE Michael G. Saunders – Certified Examinations Manager Luke B. Webre – Certified Bank Senior Examiner Jerry C. Corrothers Certified Bank Senior Examiner Kevin C. Mosley – Certified Bank Senior Examiner Kelly M. Victory – Certified Bank Senior Examiner Dharmin H. Patel – Commissioned Senior Examiner Chris K. Davis – Bank Senior Examiner Jonathan E. Bull – Bank Senior Examiner NORTHWEST ARKANSAS OFFICE 777 Mathias Drive, Suite A Springdale, AR 72762-0739 VOICE: (479) 751-5543 FAX: (479) 751-5815 NWArkansas@banking.state.ar.us Ken Leavell Certified Examinations Manager Joseph M. Payne – Certified Bank Senior Examiner Landi S. Mkhize – Commissioned Senior Examiner Shawn M. Dunham – Bank Senior Examiner J. D. Chambliss – Bank Junior Examiner Jordan M. Hurst – Bank Junior Examiner Raychel Malone – Bank Assistant Examiner Chris Rittelmeyer – Bank Assistant Examiner 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 John K. Householder Certified Examinations Manager William R. Milum Bank Senior Examiner R. D. Jackson – Certified Bank Senior Examiner Shaun G. Perkins – Certified Bank Senior Examiner Chris A. Dillon – Certified Bank Senior Examiner W. Kent Darr – Certified Bank Senior Examiner Thomas J. Anderson – Certified Bank Senior Examiner Scott J. Smith – Bank Senior Examiner TRUST Thomas M. Narrell Certified Examinations Manager Jamie A. Bazarow – Certified Bank Senior Examiner Stacey D. Leder – Certified Bank Senior Examiner Ninety-Eighth Report INFORMATION SYSTEMS Jeffrey A. Cameron – Certified Examinations Manager Michael L. Green – Certified Bank Senior Examiner Carey W. Sharp – Certified Bank Senior Examiner SPECIAL PROJECTS Mary C. Pennebaker Certified Examinations Manager BANK ANALYSIS AND APPLICATIONS John W. Ashby – Certified Examinations Manager Gregg Qualls – Certified Bank Senior Examiner Cara K. Lank – Certified Bank Senior Examiner Self Examination Bank Reports of Condition and Income Bank Holding Company Reports Research and Financial Analysis Public Information Requests Application Analysis Consumer Complaints TRAINING Richard S. Plotkin – Certified Examinations Manager Jacklyn G. Powell – Certified Bank Senior Examiner Training/Orientation/Education LEGAL DIVISION P. Brent Taylor – Attorney Rules and Regulations Legal Filings and Inquiries Consumer Complaints INFORMATION TECHNOLOGY Robert L. Hughes Administrator Mitch L. Vire Systems Specialist Greg F. Langley Systems Specialist Data Processing Support Research and Development Application Programming 7 8 Arkansas State Bank Department ADMINISTRATION DIVISION Gail Green – Fiscal Division Manager Vicki A. Wise – Human Resource Analyst Devan E. May – Human Resource Analyst Sharon K. Hacker – Accountant Accounting and Employee Services Budget/Personnel/Payroll Performance Evaluation Expense Disbursement Purchasing Cynthia L. Nixon Executive Assistant to the Commissioner Jane R. English Administrative Analyst Lori A. Morrison Administrative Analyst Martha A. Guinn Administrative Analyst Kimberly A. Brown – Administrative Specialist Administrative Support Examination Support and Processing Data Entry Barbara A. Mahoney Administrative Analyst Rules and Regulations Manual Distribution Inquiries Charter Amendments and Charter Information Certificates of Good Standing Ninety-Eighth Report STATE CHARTERED BANKS MERGED FROM JULY 1, 2011, TO JUNE 30, 2012 BANK MERGED INTO Eagle Bank & Trust Company Little Rock Heber Springs State Bank Heber Springs MAIN OFFICE RELOCATION/NAME CHANGE FROM JULY 1, 2011, TO JUNE 30, 2012 Heber Springs State Bank to Eagle Bank, 650 South Shackleford, Little Rock BRANCHES APPROVED FROM JULY 1, 2011, TO JUNE 30, 2012 BANK LOCATION Summit Bank Arkadelphia 545 Salem Road Conway The Bank of Augusta Augusta 1201 W. Beebe Capps Searcy First Community Bank Batesville 3005 Gardner-Edgewood Drive Neosho, MO First Service Bank Greenbrier 2475 Washington Avenue Conway Bank of the Ozarks Little Rock 6161 Airport Mobile, AL Bank of the Ozarks Little Rock 4200 Park Road Charlotte, NC Bank of the Ozarks Little Rock 600 W. Southlake Blvd. Southlake, TX Farmers Bank and Trust Company Magnolia 5499 Summerhill Road Texarkana, TX 9 Arkansas State Bank Department 10 STATE CHARTERED SUBCHAPTER S CORPORATION BANKS BANK CITY Bank of Bearden Bearden Heartland Community Bank Bryant Bank of Cave City Cave City Chambers Bank Danville Decatur State Bank Decatur Bank of Delight Delight First State Bank of DeQueen DeQueen Arkansas County Bank DeWitt First Financial Bank El Dorado Cornerstone Bank Eureka Springs Bank of Gravett Gravette First Service Bank Greenbrier First State Bank of Northwest Arkansas Huntsville First Arkansas Bank & Trust Jacksonville Little River Bank Lepanto Farmers Bank and Trust Company Magnolia The Peoples Bank Magnolia McGehee Bank McGehee The Union Bank of Mena Mena Commercial Bank & Trust Company Monticello Diamond Bank Murfreesboro The Bank of Rison Rison Riverside Bank Sparkman Bank of Star City Star City Warren Bank and Trust Company Warren Ninety-Eighth Report 11 The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 2011 through June 30, 2012. RECEIPTS Cash Balance July 1, 2011 ........................................................ $5,633,773.11 Examination and Assessment Fees ........................ 8,114,520.16 Charter and Amendment Fees ..................................... 36,525.00 Interstate Sharing Fees ................................................ 43,227.00 Miscellaneous/Non-Revenue Income ............................... 981.50 Reimbursement for M & R Sales.................................. 16,372.44 Refund to Expenditures Prior Year ........................... 10,567.00 Refund to Expenditures Current Year ................................. 0.00 Total Receipts 8,222,193.10 $13,855,966.21 DISBURSEMENTS Salaries ................................................................... 5,105,843.91 Extra Help Salaries ............................................................... 0.00 S.S., Retirement and Insurance Matching............................................................... 1,387,659.44 Maintenance and General Operations .................... 1,149,577.92 Conference Fees and Travel...................................... 284,846.24 Professional Fees and Services................................... 65,696.44 Capital Outlay............................................................... 67,853.87 Refunds Issued ................................................................. 214.65 Service Charge by State Treasurer............................ 135,205.53 Total Disbursements 8,196,898.00 Cash Balance June 30, 2012 5,659,068.21 $13,855,966.21 12 Arkansas State Bank Department FEDERAL DEPOSIT INSURANCE CORPORATION Dallas Regional Office 1601 Bryan Street Dallas, Texas 75201 VOICE: (214) 754-0098 FAX: (972) 761-2082 http://www.fdic.gov Kristie K. Elmquist .............. Regional Director/Supervision/Consumer Protection Joseph A. Meade ............... Acting Deputy Regional Director/Risk Management Julie Banfield ............................. Deputy Regional Director/Consumer Protection Cheryl Couch .............................................................. Assistant Regional Director Mark Taylor................................................................. Assistant Regional Director John Perez ................................................................. Assistant Regional Director Teresa Rodriguez ........................ Assistant Regional Director/Risk Management Art Kahn ................................................. Assistant Regional Director/Compliance Stephen Zachary ....................................................................... Regional Counsel Memphis Area Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 VOICE: (901) 685-1603 FAX: (901) 821-5308 Wayne Nichols ........................................................... Assistant Regional Director Chris Finnegan ...................................... Assistant Regional Director/Compliance 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 Kristy Frame .................................................. Field Supervisor/Risk Management Linda Wallace .......................................................... Field Supervisor/Compliance Memphis Field Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 VOICE: (901) 685-1603 FAX: (901) 818-1645 Dana A. English............................................. Field Supervisor/Risk Management Linda Wallace .......................................................... Field Supervisor/Compliance Shreveport Field Office Southpointe Center 3007 Knight Street, Suite 300 Shreveport, Louisiana 71105-2525 VOICE: (318) 868-6661 FAX: (318) 868-7870 Victor Ingram ................................................. Field Supervisor/Risk Management Sandra Jesberger .................................................... Field Supervisor/Compliance Ninety-Eighth Report FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 411 Locust Street P. O. Box 442 St. Louis, Missouri 63166 VOICE: (314) 444-8444 FAX: (314) 444-8740 http://www.stls.frb.org James B. Bullard .......................................................................................... President David A. Sapenaro ....................................................................... First Vice President Karl W. Ashman ....................................................................... Senior Vice President Karen Branding ........................................................................ Senior Vice President Public and Community Affairs Cletus C. Coughlin .................................................................. Senior Vice President & Deputy Director of Research Mary H. Karr ............................................................................. Senior Vice President General Counsel & Corporate Secretary Kathleen O. Paese ................................................................... Senior Vice President Treasury Relations & Office Support Julie L. Stackhouse .................................................................. Senior Vice President Banking Supervision, Credit and Center for Learning Innovation Christopher J. Waller................................................................ Senior Vice President Director of Research Richard G. Anderson............................................................................Vice President & Research Automation Advisor Timothy Brown .....................................................................................Vice President Cash Management/Administration Timothy A. Bosch ................................................................................. Vice President Banking Supervision Marilyn K. Corona ................................................................................ Vice President Financial Management William T. Gavin ................................................................................... Vice President & Research Coordinator Jean M. Lovati ...................................................................................... Vice President Human Resources 13 14 Arkansas State Bank Department FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 (Continued) Michael J. Mueller ................................................................................ Vice President Support Services Susan Gerker .......................................................................................Vice President Risk Management, Statistics, Credit & Payment Applications Daniel L. Thornton ................................................................................Vice President & Economic Advisor Michael D. Renfro .............................................................................. General Auditor Audit Little Rock Branch 111 Center Street th Suite 1000 (10 Floor) Little Rock, Arkansas 72201 VOICE: (501) 324-8300 FAX: (501) 324-8201 Robert A. Hopkins .................................................................Senior Branch Executive 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.........................................................Senior Branch Executive Louisville Branch 101 South 5th Street, Suite 1920 Louisville, Kentucky 40202 VOICE: (502) 568-9200 FAX: (502) 568-9247 Maria G. Hampton .................................................................Senior Branch Executive Ninety-Eighth Report 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 Gilbert D. Barker........................................................................ Deputy Comptroller Dennis Havener......................................................... Assistant Deputy Comptroller Randall M. Ryskamp ........................................................................District Counsel Karen Bryant............................................................................... Licensing Manager Little Rock Field Office Ozark National Life Building 10201 West Markham, Suite 105 Little Rock, Arkansas 722052180 VOICE: (501) 225-7228 FAX: (501) 225-2711 F. Christian Dunn ...................................................... Assistant Deputy Comptroller Memphis Field Office (Satellite Office of Arkansas Field Office) Kimbrough Building, Suite 309 57 Germantown Court 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 rd 301 NW 63 Street, Suite 490 Oklahoma City, Oklahoma 73116-7909 VOICE: (405) 8488058 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 Carey Phillipi.............................................................. Assistant Deputy Comptroller 15 Arkansas State Bank Department 16 CONSUMER FINANCIAL PROTECTION BUREAU 1700 G Street NW Washington, D.C. 20552 VOICE: (202) 435-7000 Fax: (202) 435-7329 http://www.consumerfinance.gov Rich Cordray............................................................................................. Director Raj Date........................................................................................ Deputy Director Garry Reeder......................................................................... Acting Chief of Staff Office of the Director Steve Antonakes..................................................................... Associate Director Supervision, Enforcement and Fair Lending Paul Sanford................................................................. Acting Assistant Director of Large Bank Supervision Southeast Region Jim Carley.............................................................. Southeast Regional Director (202) 435-7904 Steve Day............................................... Southeast Assistant Regional Director (202) 695-9019 Ninety-Eighth Report ARKANSAS BANKERS ASSOCIATION 1220 West Third Street Little Rock, Arkansas 72201 VOICE: (501) 376-3741 FAX: (501) 376-9243 http://www.arkbankers.org William R. Holmes ......................................................................... President & CEO John Freeman ........................................................................................... Chairman President Liberty Bank of Arkansas, Jonesboro David Bartlett .................................................................................... Chairman-Elect President & COO Simmons First National Corp., Pine Bluff Charles Morgan ................................................................................. Vice Chairman President & CEO Pine Bluff National Bank, Pine Bluff Mark Ferguson .......................................................................................... Treasurer Executive Vice President First Security Bank, Searcy Charlie Blanchard .............................................................................. Past Chairman President & CEO First State Bank, Russellville 17 18 Arkansas State Bank Department EMERGING LEADERS SECTION OFFICERS Jennifer Ruhlman ....................................................................................... President Assistant Vice President Bank of the Ozarks, Little Rock Jamie Waller .......................................................................................Vice President Vice President The Peoples Bank, Magnolia Daniel Robinson ....................................................................... Secretary/Treasurer Loan Officer Simmons First Bank of Northeast Arkansas, Jonesboro Ninety-Eighth Report ARKANSAS COMMUNITY BANKERS ASSOCIATION P. O. Box 20210 Hot Springs, Arkansas 71903-0210 VOICE: (800) 771-1634 FAX: (501) 525-0637 EMail: info@arcommunitybankers.com http://www.arcommunitybankers.com Richard Trammell ........................................................................... Executive Director George Worthen ........................................................................................... President Bank of Little Rock, Little Rock Martin Carpenter .................................................................................. Vice President First National Banking Company, Ash Flat Sam Beller .................................................................................................... Treasurer Bank of Cave City, Cave City John Stacks .................................................................................................. Secretary Home Bank of Arkansas, Greenbrier 19 20 Arkansas State Bank Department CONFERENCE OF STATE BANK SUPERVISORS th th 1129 20 Street, NW, 9 Floor Washington, DC 20036 VOICE: (202) 296-8040 FAX: (202) 296-1928 http://www.csbs.org John Ryan ........................................................................................President & CEO Tom Harlow ............................................................................. Chief Financial Officer Anthony Donfor ...............................................................................Vice President, IT Cecelia Smith .................................................................................... Senior Manager Roger Stromberg .......................... Senior Vice President/Professional Development Sebastien Monnet ....................................Vice President/Professional Development Georgia HighVice ......................................... President, Accreditation & Certification/ Professional Development Tom McVey .................................................................. Director of Learning Services John “Buz” Gorman ........................................................General Counsel/Legislative Margaret Liu ....................................Senior Vice President/Deputy General Counsel Edward Smith ................................... Vice President, Membership & Bank Relations Bill Matthews ............................................ Senior Vice President, Mortgage Initiative Pete Marks .................................... Vice President/Mortgage Testing and Education Mike Stevens .............................................. Senior Vice President/Regulatory Policy Mary Beth Quist................................. Senior Vice President/Supervisory Processes Kyle Thomas .............................................. Director of Bank Supervisory Processes Chuck Cross ......................................... Senior Vice President/Consumer Protection H. Catherine Woody ............................................... Senior Director/Communications Ninety-Eighth Report CONSOLIDATED REPORT OF CONDITION DATA 95 STATE CHARTERED COMMERCIAL BANKS (in millions) ASSETS JUNE 30, 2012 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ....................................... $835 b. Interest-bearing balances ................................................................................. 2,689 Securities: a. Held to maturity ................................................................................................. 1,174 b. Available-for sale ............................................................................................. 10,052 Federal funds sold and securities purchased under agreements to resell...................................................... 433 Net Loans and Leases .................................................................................................... 28,884 Trading assets.......................................................................................................................... 0 Premises and fixed assets ................................................................................................ 1,290 Other real estate owned ...................................................................................................... 578 Goodwill and other intangibles.......................................................................................... 1,006 All other assets.................................................................................................................. 1,734 Total assets ................................................................................................................... $48,675 LIABILITIES Deposits: a. In domestic offices ........................................................................................ $39,795 (1) Noninterest-bearing ....................................................................7,159 (2) Interest-bearing.........................................................................32,636 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 ...................................................... 669 Trading liabilities ...................................................................................................................... 0 Other borrowed money .................................................................................................... 2,363 Subordinated notes and debentures ....................................................................................... 2 All other liabilities ................................................................................................................. 332 Total liabilities.................................................................................................................. 43,161 EQUITY CAPITAL Minority interest in consolidated subsidiaries .......................................................................... 4 Perpetual preferred stock ........................................................................................................ 6 Common stock ....................................................................................................................... 18 Surplus .............................................................................................................................. 2,699 Undivided profits ............................................................................................................... 2,787 Total equity capital ............................................................................................................ 5,514 Total liabilities, minority interest and equity capital ..................................................... $48,675 21 Arkansas State Bank Department 22 CONSOLIDATED STATEMENT OF CONDITION OF THE 53 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 2012 ASSETS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. Non-interest Bearing Deposits: a. Own Bank and Affiliate Institutions .................................................................. $19 b. Other Institutions .................................................................................................. 0 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions .................................................................. 189 b. Other Institutions .............................................................................................. 291 U.S. Government and Agency Obligations ................................................................ 399 State, County and Municipal Obligations ................................................................... 330 Other Short-Term Obligations ...................................................................................... 26 Other Notes and Bonds .............................................................................................. 159 Money Market Funds .................................................................................................. 795 Other Mutual Funds .................................................................................................... 409 Stocks ...................................................................................................................... 1,040 Collective Investment Fund Units ................................................................................... 1 Real Estate Mortgages ................................................................................................. 45 Real Estate ................................................................................................................. 210 Miscellaneous Assets ................................................................................................. 262 Other ..........................................................................................................................(31) Total ..................................................................................................................... $4,144 LIABILITIES Personal Accounts: 16. Personal Trusts .........................................................................................................$838 17. Estates & Guardianships .............................................................................................. 44 Employee Benefit Accounts: 18. Trusts .......................................................................................................................... 697 19. Agencies ..................................................................................................................... 269 All Other Agencies: 20. Investment Mgmt & Advisory ...................................................................................... 526 21. Custodial .................................................................................................................. 1,174 22. All Other ........................................................................................................................ 15 Corporate and Municipal Securities Appointments: 23. Bond Trusteeships ...................................................................................................... 548 24. Agencies ....................................................................................................................... 30 Collective Investment Funds: 25. Employee Benefits .......................................................................................................... 0 26. Other .............................................................................................................................. 0 27. Profit Accounts ................................................................................................................ 0 28. Suspense Accounts ........................................................................................................ 3 29. Total ..................................................................................................................... $4,144 Ninety-Eighth Report CONSOLIDATED REPORT OF CONDITION DATA 26 NATIONAL BANKS (in millions) ASSETS JUNE 30, 2012 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ....................................... $283 b. Interest-bearing balances .................................................................................... 834 Securities: a. Held-to-maturity .................................................................................................... 458 b. Available-for-sale............................................................................................... 1,826 Federal funds sold and securities purchased under agreements to resell........................................................ 68 Net loans and leases ........................................................................................................ 6,082 Trading assets.......................................................................................................................... 6 Premises and fixed assets ................................................................................................... 307 Other real estate owned ...................................................................................................... 183 Goodwill and other intangibles............................................................................................. 121 All other assets..................................................................................................................... 341 Total assets ................................................................................................................... $10,509 LIABILITIES Deposits: a. In domestic offices .......................................................................................... $8,745 (1) Noninterest-bearing ....................................................................1,707 (2) Interest-bearing...........................................................................7,038 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 ...................................................... 120 Trading liabilities ...................................................................................................................... 0 Other borrowed money ........................................................................................................328 Subordinated notes and debentures ....................................................................................... 0 All other liabilities ................................................................................................................... 70 Total liabilities.................................................................................................................... 9,263 Minority interest in consolidated subsidiaries .......................................................................... 0 EQUITY CAPITAL Perpetual preferred stock ........................................................................................................ 2 Common stock ....................................................................................................................... 14 Surplus ................................................................................................................................. 573 Undivided profits .................................................................................................................. 657 Total equity capital ............................................................................................................ 1,246 Total liabilities, minority interest and equity capital ..................................................... $10,509 23 24 Arkansas State Bank Department TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2012 BANK CITY Southern Bancorp Bank Summit Bank First National Banking Company The Bank of Augusta Citizens State Bank The Citizens Bank First Community Bank Bank of Bearden The First National Bank of North Arkansas Farmers Bank and Trust Company First Western Bank Community State Bank Heartland Community Bank The First National Bank of Izard County Bank of Cave City The Merchants & Planters Bank Centennial Bank First National Bank of Crossett First State Bank Chambers Bank River Town Bank Decatur State Bank Bank of Delight First State Bank of DeQueen Arkansas County Bank DeWitt Bank and Trust Company Merchants and Farmers Bank First Financial Bank Simmons First Bank of El Dorado Bank of England The Eudora Bank Cornerstone Bank Arvest Bank Signature Bank of Arkansas The Bank of Fayetteville Arkadelphia Arkadelphia Ash Flat Augusta Bald Knob Batesville Batesville Bearden Berryville Blytheville Booneville Bradley Bryant Calico Rock Cave City Clarendon Conway Crossett Crossett Danville Dardanelle Decatur Delight DeQueen DeWitt DeWitt Dumas El Dorado El Dorado England Eudora Eureka Springs Fayetteville Fayetteville Fayetteville RATIO 7.75 10.03 10.17 10.71 8.19 10.32 9.07 16.20 11.64 8.47 8.73 8.96 13.58 31.23 9.90 10.62 9.87 10.50 9.85 9.94 10.67 2.16 20.64 8.40 8.91 11.61 8.88 9.37 9.82 10.63 10.33 10.37 8.80 11.04 9.91 Ninety-Eighth Report 25 BANK CITY Twin Lakes Community Bank Fordyce Bank & Trust Co. First National Bank of Eastern Arkansas Forrest City Bank, National Association The First National Bank of Fort Smith Bank of Gravett The First National Bank in Green Forest First Service Bank Farmers Bank Farmers Bank First Bank Community First Bank Helena National Bank Horatio State Bank First National Bank Hot Springs Bank & Trust Company Simmons First Bank of Hot Springs First State Bank of Northwest Arkansas First Arkansas Bank and Trust Heritage Bank, National Association Liberty Bank of Arkansas Simmons First Bank of Northeast Arkansas Bank of Lake Village Simmons First Bank of South Arkansas Little River Bank Bank of Little Rock Bank of the Ozarks The Capital Bank Central Bank Eagle Bank and Trust Company Metropolitan National Bank One Bank & Trust, National Association First State Bank Farmers Bank & Trust Company The Peoples Bank The Malvern National Bank First Community Bank of Eastern Arkansas First Delta Bank Bank of McCrory The First National Bank of McGehee Flippin Fordyce Forrest City Forrest City Fort Smith Gravette Green Forest Greenbrier Greenwood Hamburg Hampton Harrison Helena Horatio Hot Springs Hot Springs Hot Springs Huntsville Jacksonville Jonesboro Jonesboro Jonesboro Lake Village Lake Village Lepanto Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Lonoke Magnolia Magnolia Malvern Marion Marked Tree McCrory McGehee RATIO 10.26 10.91 10.23 10.43 12.22 12.64 10.61 11.93 20.53 11.52 9.04 11.39 13.89 10.59 11.41 10.97 9.05 14.05 10.85 12.54 9.99 9.40 10.41 9.17 10.88 9.84 12.81 10.89 15.08 9.96 6.13 8.44 9.90 9.04 9.53 9.77 11.22 8.71 10.28 11.67 26 Arkansas State Bank Department BANK CITY McGehee Bank The Union Bank of Mena Commercial Bank & Trust Company Union Bank & Trust Company Petit Jean State Bank First National Bank & Trust Company Ozark Heritage Bank, N. A. Allied Bank Diamond Bank Merchants & Planters Bank National Bank of Arkansas in North Little Rock First National Bank The First National Bank at Paris Delta Trust & Bank Piggott State Bank Pine Bluff National Bank Simmons First National Bank Home Bank of Arkansas Bank of Prescott The Bank of Rison Parkway Bank Pinnacle Bank Simmons First Bank of Northwest Arkansas First State Bank Simmons First Bank of Russellville Bank of Salem Logan County Bank First Security Bank Simmons First Bank of Searcy Peoples Bank Smackover State Bank Riverside Bank Legacy National Bank Bodcaw Bank Bank of Star City Security Bank The Farmers & Merchants Bank Citizens Bank & Trust Company First Community Bank of Crawford County The First National Bank of Lawrence County First State Bank of Warren McGehee Mena Monticello Monticello Morrilton Mountain Home Mountain View Mulberry Murfreesboro Newport North Little Rock Paragould Paris Parkdale Piggott Pine Bluff Pine Bluff Portland Prescott Rison Rogers Rogers Rogers Russellville Russellville Salem Scranton Searcy Searcy Sheridan Smackover Sparkman Springdale Stamps Star City Stephens Stuttgart Van Buren Van Buren Walnut Ridge Warren RATIO 15.09 9.54 10.12 9.60 10.30 11.82 10.33 8.15 9.99 7.76 8.30 11.36 11.50 8.91 9.73 12.34 9.69 10.31 13.13 14.18 9.77 10.39 13.51 11.18 14.78 11.06 17.92 9.54 10.67 13.19 9.76 8.77 10.93 7.89 11.95 9.82 10.93 10.04 7.34 10.47 10.54 Ninety-Eighth Report 27 BANK CITY Warren Bank and Trust Company Evolve Bank & Trust Fidelity National Bank Cross County Bank The First National Bank of Wynne Warren West Memphis West Memphis Wynne Wynne RATIO 14.09 9.01 9.39 11.79 10.33 28 Arkansas State Bank Department NATIONAL BANKS JUNE 30, 2012 (000’s omitted) BANK CITY First National Banking Company The First National Bank of North Arkansas The First National Bank of Izard County First National Bank of Crossett First National Bank of Eastern Arkansas Forrest City Bank, National Association The First National Bank of Fort Smith The First National Bank in Green Forest Helena National Bank First National Bank Heritage Bank, National Association Metropolitan National Bank One Bank & Trust, National Association The Malvern National Bank The First National Bank of McGehee First National Bank and Trust Company Ozark Heritage Bank, N. A. 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 Legacy National Bank The First National Bank of Lawrence County Fidelity National Bank The First National Bank of Wynne Ash Flat Berryville Calico Rock Crossett Forrest City Forrest City Fort Smith Green Forest Helena Hot Springs Jonesboro Little Rock Little Rock Malvern McGehee Mountain Home Mountain View North Little Rock Paragould Paris Pine Bluff Pine Bluff Springdale Walnut Ridge West Memphis Wynne ASSETS 358,389 165,606 145,587 141,320 342,486 49,941 1,072,442 370,881 180,078 726,203 244,494 1,022,036 474,803 457,337 50,337 383,378 61,332 188,606 703,481 123,216 391,796 1,793,974 254,940 180,277 353,522 272,923 REPORT OF THE NINETY-FIVE STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2012 Ninety-Eighth Report 31 Southern Bancorp Bank Arkadelphia, AR VOICE: (870) 246-5811 FAX: (870) 246-5284 Trust Powers: Yes Chm: Walter Smiley 605 Main Street 71923-0248 Charter Number: 142 Date: September 28, 1903 FDIC Certificate Number: 1528 Home Page: www.banksouthern.com Member of Federal Reserve System Bank Holding Company Southern Bancorp Inc., Arkadelphia, AR CEO/Pres: John Olaimey Cash and Due from: .................................... 84,286 Federal Funds and Repos: .................................. 0 Investments: .............................................. 229,003 Net Loans:................................................. 650,167 Premises and Fixed Assets: ........................ 48,859 Other Real Estate: ......................................... 5,132 Other Assets: .............................................. 69,121 Total Assets: .......................................... 1,086,568 Total Trust Assets: ...................................... 18,903 Deposits: ................................................... 906,573 Federal Funds and Borrowings: ...................50,336 Other Liabilities:.............................................8,268 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 965,177 Total Equity Capital: .................................. 121,391 Total Liabilities and Capital: .................... 1,086,568 Number of Shares Outstanding: ..................24,000 Directors: Hugh Arant, Jr.; Kim Evans; James W. Harrington; Walter Morris, Jr.; John Olaimey; Sherman Tate Branches in Town: One Other Branches: Barton, Bismarck, Blytheville (5), Clarksdale[MS] , Drew[MS], El Dorado (2), Elaine, Friars Point[MS], Gosnell, Greenville[MS] (2), Helena-West Helena (3), Hernando[MS], Hot Springs (2), Indianola[MS], Lambert[MS], Leland[MS], Lula[MS], Madison[MS], Malvern, Manila (2), Marvell, Picayune[MS], Ruleville[MS], Shelby[MS], Sledge[MS], Trumann, Webb[MS] 32 Arkansas State Bank Department Summit Bank Arkadelphia, AR VOICE: (870) 246-8070 FAX: (870) 246-7122 Trust Powers: Yes 409 Main Street 71923-0965 Charter Number: 767 Date: December 2, 1996 FDIC Certificate Number: 34433 Home Page: www.summitbankdirect.com Member of Federal Reserve System Bank Holding Company Summit Bancorp, Inc., Arkadelphia, AR Chm/CEO: Ross M. Whipple EVP/CFO: Brent W. Black Pres/COO: Marcus J. McCain SVP: Bob Plummer Cash and Due from:.................................. 101,393 Federal Funds and Repos: .................................. 0 Investments: ............................................. 270,248 Net Loans: ................................................ 725,476 Premises and Fixed Assets:........................ 13,567 Other Real Estate: ........................................ 4,279 Other Assets: .............................................. 46,150 Total Assets: .......................................... 1,161,113 Total Trust Assets: ...................................... 14,506 Deposits: .................................................. 973,062 Federal Funds and Borrowings: .................. 66,567 Other Liabilities: ............................................ 2,969 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,042,598 Total Equity Capital: .................................. 118,515 Total Liabilities and Capital: ................... 1,161,113 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 (2), Bryant, Conway, Hope (2), Hot Springs (5), Hot Springs Village, Little Rock (3), Lonsdale, Magnolia (2), Malvern (2) The Bank of Augusta Augusta, AR VOICE: (870) 347-2511 FAX: (870) 347-2654 Trust Powers: Yes Chm/CEO: Charles P. Eldridge Pres: William D. "Bill" Patton 100 South Second Street 72006-0120 Charter Number: 669 Date: February 20, 1935 FDIC Certificate Number: 15035 Bank Holding Company None EVP/TO: Martha Ray SVP: Ronnie Jones Cash and Due from:...................................... 1,589 Federal Funds and Repos: ........................... 2,775 Investments: ............................................... 28,125 Net Loans: .................................................. 35,031 Premises and Fixed Assets:............................. 665 Other Real Estate: ............................................... 0 Other Assets: ................................................ 3,337 Total Assets: ............................................... 71,522 Total Trust Assets: ........................................ 1,352 Deposits: .................................................... 58,369 Federal Funds and Borrowings: .................... 4,000 Other Liabilities: ............................................ 1,695 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 64,064 Total Equity Capital: ...................................... 7,458 Total Liabilities and Capital: ........................ 71,522 Number of Shares Outstanding: .................... 8,000 Directors: Dr. Steven Collier; Winston Collier; W. P. Daniel, Jr.; W. P. Daniel, III; Charlie Eldridge; Mark Eldridge; R. E. Gregory, Jr.; Ronald Jones Branches in Town: One Other Branches: Searcy Ninety-Eighth Report 33 Citizens State Bank Bald Knob, AR VOICE: (501) 724-3241 FAX: (501) 724-5985 Trust Powers: Yes 306 South Elm Street 72010-0200 Charter Number: 636 Date: January 22, 1931 FDIC Certificate Number: 8727 Home Page: www.csb-bk.com Bank Holding Company Citizens State Bankshares of Bald Knob, Inc., Bald Knob, AR Chm/CEO/TO: Larry E. Kircher Pres: Wendell Nier VChm/Sec: Molly H. Kircher EVP/Cash: Peggy Reed Cash and Due from: ...................................... 3,181 Federal Funds and Repos: ............................ 1,150 Investments: ................................................ 50,472 Net Loans:................................................... 14,617 Premises and Fixed Assets: .............................491 Other Real Estate: ............................................780 Other Assets: ................................................ 3,666 Total Assets: ............................................... 74,357 Total Trust Assets: ........................................ 2,330 Deposits: .....................................................65,902 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 770 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................66,672 Total Equity Capital: ......................................7,685 Total Liabilities and Capital: .........................74,357 Number of Shares Outstanding: ....................4,000 Directors: Bob J. Clark; Larry E. Kircher; Molly H. Kircher; Wendell Nier Branches in Town: Two Other Branches: Bradford First Community Bank Batesville, AR VOICE: (870) 612-3400 FAX: (870) 612-3412 Trust Powers: Yes 1325 Harrison Street 72501-4327 Charter Number: 770 Date: June 20, 1997 FDIC Certificate Number: 34533 Home Page: www.firstcommunity.net Bank Holding Company First Community Bancshares, Inc., Batesville, AR Chm/CEO: Dale E. Cole SVP: Troy Henley Pres/COO: Boris A. Dover VP/TO: Chris Treat Cash and Due from: .................................... 20,032 Federal Funds and Repos: .................................. 0 Investments: .............................................. 118,877 Net Loans:................................................. 562,507 Premises and Fixed Assets: ........................ 21,802 Other Real Estate: ....................................... 11,531 Other Assets: .............................................. 11,581 Total Assets: ............................................. 746,330 Total Trust Assets: ...................................... 78,457 Deposits: ................................................... 608,362 Federal Funds and Borrowings: ...................66,623 Other Liabilities:............................................... 674 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 675,659 Total Equity Capital: ....................................70,671 Total Liabilities and Capital: ....................... 746,330 Number of Shares Outstanding: ..................34,523 Directors: Donald C. Bedell; Don Buckliew; Dale E. Cole; Boris A. Dover; Preston W. "Chip" Grace, III; Rick Kent; Ray LaCroix; Dianne Lamberth; Dr. Charles McClain; Frank Tripp; Sheila Wagnon Branches in Town: Two Other Branches: Bald Knob, Cabot, Cave City, Cherokee Village, Goodman[MO], Jane[MO], Mountain Home, Neosho[MO] (2), Searcy (3) 34 Arkansas State Bank Department The Citizens Bank Batesville, AR VOICE: (870) 793-4441 FAX: (870) 698-6299 Trust Powers: Yes 200 South Third Street 72503-2156 Charter Number: 705 Date: February 19, 1953 FDIC Certificate Number: 17211 Home Page: www.thecitizensbank.net Member of Federal Reserve System Bank Holding Company Citizens Bancshares of Batesville, Inc., Batesville, AR CEO/Pres: John Dews SVP/TO: Robin Brock EVP/Sec: Greg Shaver EVP/CLO: Doug Lynch Cash and Due from:...................................... 9,676 Federal Funds and Repos: ......................... 17,250 Investments: ............................................. 189,988 Net Loans: ................................................ 304,315 Premises and Fixed Assets:.......................... 8,399 Other Real Estate: ........................................ 1,697 Other Assets: .............................................. 11,452 Total Assets: ............................................. 542,777 Total Trust Assets: .................................... 147,399 Deposits: .................................................. 430,190 Federal Funds and Borrowings: .................. 52,448 Other Liabilities: ............................................ 1,154 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 483,792 Total Equity Capital: .................................... 58,985 Total Liabilities and Capital: ...................... 542,777 Number of Shares Outstanding: .................. 16,500 Directors: John Dews; Dr. Lackey G. Moody, M.D.; Doyle "Rog" Rogers, Jr.; Jay F. Shell; Kay Southerland; Jeffery F. Teague; Paula Terrell Branches in Town: Five Other Branches: Cave City, Imboden, Mountain View, Pleasant Plains Bank of Bearden Bearden, AR VOICE: (870) 687-2233 FAX: (870) 687-2474 Trust Powers: No Chm/Pres: Rick Green EVP: Ken Riley #1 Second Street 71720-0135 Charter Number: 688 Date: June 17, 1945 FDIC Certificate Number: 16282 Bank Holding Company Bearden Bancshares, Inc., Bearden, AR VP: Donnie Castleberry VP/Cash: Susan Lusby Cash and Due from:...................................... 4,106 Federal Funds and Repos: ........................... 4,475 Investments: ................................................. 7,882 Net Loans: .................................................. 20,826 Premises and Fixed Assets:............................. 110 Other Real Estate: ............................................. 11 Other Assets: ................................................... 260 Total Assets: ............................................... 37,670 Total Trust Assets: ............................................... 0 Deposits: .................................................... 31,793 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 28 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 31,821 Total Equity Capital: ...................................... 5,849 Total Liabilities and Capital: ........................ 37,670 Number of Shares Outstanding: .................... 8,300 Directors: John E. Anthony; Steven M. Anthony; Rick Green; Ronald A. Ramsay; Ken Riley; Russell G. Weatherly; Betty Word; Steve Wright Branches in Town: None Other Branches: None Ninety-Eighth Report 35 Farmers Bank And Trust Company Blytheville, AR VOICE: (870) 763-8101 FAX: (870) 763-3500 Trust Powers: Yes 400 West Main 72316-0688 Charter Number: 253 Date: March 16, 1908 FDIC Certificate Number: 1027 Home Page: www.farmersbankbly.com Member of Federal Reserve System Bank Holding Company Farmers Bancorp, Inc., Blytheville, AR Chm/CEO: Steve Bell CFO: Shelly Crosskno Pres/COO: Randy Scott AVP/TO: Mary Lee Cash and Due from: .................................... 24,575 Federal Funds and Repos: .................................. 0 Investments: ................................................ 20,355 Net Loans:................................................. 342,332 Premises and Fixed Assets: .......................... 7,794 Other Real Estate: ....................................... 13,994 Other Assets: ................................................ 5,364 Total Assets: ............................................. 414,414 Total Trust Assets: ...................................... 13,892 Deposits: ................................................... 367,957 Federal Funds and Borrowings: .....................9,000 Other Liabilities:.............................................1,613 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 378,570 Total Equity Capital: ....................................35,844 Total Liabilities and Capital: ....................... 414,414 Number of Shares Outstanding: ..................40,000 Directors: Dan B. Andrews, Jr.; Steve Bell; Paula O. Blackwell; Ronny Goff; Alvin Huffman, III; John Langston; Gaylon M. Lawrence, Jr.; Randy Scott; Harold Sudbury, Jr. Branches in Town: Four Other Branches: Franklin[TN], Nashville[TN] First Western Bank Booneville, AR VOICE: (479) 936-2000 FAX: (479) 878-3465 Trust Powers: Yes 80 West Main 72927-0238 Charter Number: 397 Date: April 18, 1910 FDIC Certificate Number: 13083 Home Page: www.fwbank.com Bank Holding Company First Western Bancshares, Inc., Booneville, AR Chm: John T. Hampton EVP/COO: Lynne Coan Pres: Steve Gramling CFO/VP: Andrea Shepherd Cash and Due from: ...................................... 7,266 Federal Funds and Repos: ............................ 5,525 Investments: ................................................ 27,454 Net Loans:................................................. 203,351 Premises and Fixed Assets: .......................... 9,379 Other Real Estate: ....................................... 10,745 Other Assets: .............................................. 11,297 Total Assets: ............................................. 275,017 Total Trust Assets: .............................................. 0 Deposits: ................................................... 246,116 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................3,933 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 250,049 Total Equity Capital: ....................................24,968 Total Liabilities and Capital: ....................... 275,017 Number of Shares Outstanding: ................ 100,000 Directors: Dan Brown; Matt Crafton; Steve Gramling; Jeral Hampton; John T. Hampton; John Mack; David Remy; Howard L. Slinkard; Johnny Williams; Jane Woolley Branches in Town: One Other Branches: Bella Vista, Caulksville, Fort Smith, Magazine, Rogers (3) 36 Arkansas State Bank Department Community State Bank Bradley, AR VOICE: (870) 894-3322 FAX: (870) 894-3324 Trust Powers: No CEO: Lex Golden Pres: Dan Rolett 208 West Fourth Street 71826-0120 Charter Number: 653 Date: April 10, 1933 FDIC Certificate Number: 5619 Bank Holding Company Allcorp, Inc., Little Rock, AR EVP: Jeff Hobbs VP/Cash: Regina Wootton Cash and Due from:...................................... 1,878 Federal Funds and Repos: .................................. 0 Investments: ................................................. 4,253 Net Loans: .................................................. 21,748 Premises and Fixed Assets:............................. 715 Other Real Estate: ........................................... 172 Other Assets: ................................................... 892 Total Assets: ............................................... 29,658 Total Trust Assets: ............................................... 0 Deposits: .................................................... 26,181 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 95 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 26,276 Total Equity Capital: ...................................... 3,382 Total Liabilities and Capital: ........................ 29,658 Number of Shares Outstanding: .................. 10,000 Directors: John Bishop; Alex Golden; Lex Golden; Jeffrey C. Hobbs; Ben Rice; Dan Rolett; Frank Swift, Jr. Branches in Town: None Other Branches: None Heartland Bank Bryant, AR VOICE: (501) 847-7982 FAX: (501) 847-7983 Trust Powers: No 4937 Highway 5 North 72022 Charter Number: 791 Date: July 17, 2008 FDIC Certificate Number: 28761 Home Page: www.hbankusa.com Member of Federal Reserve System Bank Holding Company Rock Bancshares, Inc., Little Rock, AR CEO: Richard D. O'Brien EVP: Phillip Thomas EVP: Mark S. Hoffpauir CFO: Judy Lawton Cash and Due from:...................................... 7,340 Federal Funds and Repos: .............................. 705 Investments: ............................................... 13,074 Net Loans: ................................................ 143,785 Premises and Fixed Assets:.......................... 4,936 Other Real Estate: ........................................ 3,484 Other Assets: ................................................ 9,002 Total Assets: ............................................. 182,326 Total Trust Assets: ............................................... 0 Deposits: .................................................. 140,134 Federal Funds and Borrowings: .................. 12,594 Other Liabilities: ............................................ 1,092 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 153,820 Total Equity Capital: .................................... 28,506 Total Liabilities and Capital: ...................... 182,326 Number of Shares Outstanding: ................ 487,958 Directors: Craig Benson; Mark Brockinton; Steve Didion; Richard D. O'Brien; Walter Quinn; Mark van Overbeek, M.D. Branches in Town: None Other Branches: Fordyce, Little Rock, Sheridan Ninety-Eighth Report 37 Bank of Cave City Cave City, AR VOICE: (870) 283-5301 FAX: (870) 283-6466 Trust Powers: Yes 133 South Main Street 72521-0490 Charter Number: 209 Date: July 2, 1906 FDIC Certificate Number: 105 Home Page: www.bankofcavecity.com Member of Federal Reserve System Bank Holding Company Sharp Bancshares, Inc., Cave City, AR Chm/CEO/Pres/TO: Samuel F. Beller SVP: Gayla Hickman EVP: John M. Beller SVP/Cash: Kim Nunnally Cash and Due from: ...................................... 3,246 Federal Funds and Repos: ............................ 1,250 Investments: ................................................ 23,683 Net Loans:................................................... 57,381 Premises and Fixed Assets: .......................... 1,489 Other Real Estate: ......................................... 1,578 Other Assets: ................................................ 5,772 Total Assets: ............................................... 94,399 Total Trust Assets: .............................................. 0 Deposits: .....................................................76,710 Federal Funds and Borrowings: .....................6,237 Other Liabilities:.............................................1,310 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................84,257 Total Equity Capital: ....................................10,142 Total Liabilities and Capital: .........................94,399 Number of Shares Outstanding: ....................4,000 Directors: James E. Baxter; Samuel F. Beller; Dennis Esteb; John H. Pettersen; Margie Pettersen; Bruce Street; Scott Street Branches in Town: None Other Branches: Evening Shade, Lynn, Strawberry The Merchants and Planters Bank Clarendon, AR VOICE: (870) 747-3319 FAX: (870) 747-3498 Trust Powers: No 297 Madison 72029-0280 Charter Number: 21 Date: July 23, 1890 FDIC Certificate Number: 107 Bank Holding Company Clarendon Holding Co., Clarendon, AR Chm: J. Baxter Sharp, III Pres: J. Kendall Henry Cash and Due from: ...................................... 5,274 Federal Funds and Repos: ............................ 1,475 Investments: ................................................ 24,962 Net Loans:................................................... 10,807 Premises and Fixed Assets: .............................742 Other Real Estate: ............................................... 0 Other Assets: ...................................................... 0 Total Assets: ............................................... 43,260 Total Trust Assets: .............................................. 0 Deposits: .....................................................37,950 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 284 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................38,234 Total Equity Capital: ......................................5,026 Total Liabilities and Capital: .........................43,260 Number of Shares Outstanding: ....................5,660 Directors: James W. Faulkner; J. Kendall Henry; B. J. Hopson; E. Davidson Lee; Kirby Meacham, Jr.; J. Baxter Sharp, III Branches in Town: None Other Branches: None 38 Arkansas State Bank Department Centennial Bank Conway, AR VOICE: (501) 328-4663 FAX: (501) 328-4601 Trust Powers: Yes 620 Chestnut Street 72032 Charter Number: 118 Date: May 12, 1903 FDIC Certificate Number: 11241 Home Page: www.my100bank.com Member of Federal Reserve System 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:.................................. 360,303 Federal Funds and Repos: .............................. 575 Investments: ............................................. 712,820 Net Loans: ............................................. 2,411,401 Premises and Fixed Assets:...................... 100,684 Other Real Estate: ...................................... 49,490 Other Assets: ............................................ 411,621 Total Assets: .......................................... 4,046,894 Total Trust Assets: ............................................... 0 Deposits: ............................................... 3,339,484 Federal Funds and Borrowings: ................ 207,143 Other Liabilities: .......................................... 10,164 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 3,556,791 Total Equity Capital: .................................. 490,103 Total Liabilities and Capital: ................... 4,046,894 Number of Shares Outstanding: .................... 2,400 Directors: Milburn Adams; Robert H. Adcock, Jr.; John W. Allison; Rick Ashley; William C. Brazil; Dale Bruns; Jack Engelkes; William J. Farris, Jr.; Kevin Hester; Randy E. Mayor; Jim Rankin, Jr.; C. Randall Sims Branches in Town: Six Other Branches: Apalachicola[FL], Beebe (2), Big PIne Key[FL], Blountstown[FL], Bristol[FL], Bryant, Cabot (5), Carrabelle[FL], Clermont[FL], Crawfordville[FL] (2), Daphne[AL], Destin[FL], Eastpoint[FL], Elberta[AL], Fairhope[AL], Foley[AL], Fordyce, Greenbrier, Gulf Shores[AL], Heber Springs, Islamorada[FL], Jacksonville (3), Key Largo[FL], Key West[FL] (3), Lake Mary[FL], Little Rock (9), Longwood[FL], Marathon[FL] (2), Marco Island[FL], Mayflower, Mexico Beach[FL] (2), Morrilton, Mountain View (2), Navarre[FL], North Little Rock (6), Orange Beach[AL], Orlando[FL] (2), Panacea[FL], Panama City[FL] (3), Panama City Beach[FL] (4), Point Clear[AL], Port Charlotte[FL], Port Saint Joe[FL] (3), Punta Gorda[FL], Quitman, Rison, Robertsdale[AL], Saint George Island[FL], Santa Rosa Beach[FL], Searcy (2), Sherwood (2), Summerland Key[FL], Tallahassee[FL] (5), Vilonia, Ward, Wewahitchka[FL], Winter Park[FL] Ninety-Eighth Report 39 First State Bank Crossett, AR VOICE: (870) 364-5131 FAX: (870) 364-6329 Trust Powers: No 200 Pine Street 71635-0638 Charter Number: 718 Date: May 13, 1963 FDIC Certificate Number: 18987 Home Page: www.fsbcrossett.com Bank Holding Company Evergreen Bancshares, Inc., Crossett, AR Chm: Richard E. Griffin VP: David H. Bell CEO/Pres: Howard M. Beaty, Jr. VP: Tressie A. Mills Cash and Due from: .................................... 13,285 Federal Funds and Repos: .................................. 0 Investments: .................................................. 9,119 Net Loans:................................................... 16,087 Premises and Fixed Assets: .......................... 1,386 Other Real Estate: ............................................686 Other Assets: ................................................ 1,100 Total Assets: ............................................... 41,663 Total Trust Assets: .............................................. 0 Deposits: .....................................................37,488 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 132 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................37,620 Total Equity Capital: ......................................4,043 Total Liabilities and Capital: .........................41,663 Number of Shares Outstanding: ................ 100,000 Directors: Howard M. Beaty, Jr.; Patricia Draper; Richard E. Griffin; Harry D. Stephens, Jr.; Dr. John D. Tice; Barney White Branches in Town: Two Other Branches: None Chambers Bank Danville, AR VOICE: (479) 495-2236 FAX: (479) 495-4650 Trust Powers: No 901 Main 72833-0609 Charter Number: 615 Date: October 3, 1930 FDIC Certificate Number: 5615 Home Page: www.chambers-bank.com Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm: Edward J. Taylor EVP: Philip Alexander CEO/Pres: Bill Donnell Cash and Due from: ...................................... 8,290 Federal Funds and Repos: .......................... 58,275 Investments: ................................................ 42,063 Net Loans:................................................. 528,812 Premises and Fixed Assets: ........................ 11,188 Other Real Estate: ....................................... 42,826 Other Assets: .............................................. 29,004 Total Assets: ............................................. 720,458 Total Trust Assets: .............................................. 0 Deposits: ................................................... 606,506 Federal Funds and Borrowings: ...................34,223 Other Liabilities:.............................................4,751 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 645,480 Total Equity Capital: ....................................74,978 Total Liabilities and Capital: ....................... 720,458 Number of Shares Outstanding: ..................10,000 Directors: Thomas Akin; John Ed Chambers, III; Bill Donnell; Nathan George; Robert R. Redfern; Edward J. Taylor Branches in Town: One Other Branches: Amity, Bentonville, Dardanelle, Elkins (2), Fayetteville, Fort Smith (2), Goshen, Havana, Hot Springs, Hot Springs Village, Kirby, Mansfield, Mena, Springdale (2), Waldron 40 Arkansas State Bank Department River Town Bank Dardanelle, AR VOICE: (479) 229-3311 FAX: (479) 229-4180 Trust Powers: Yes 102 North Front Street 72834-0577 Charter Number: 668 Date: September 12, 1934 FDIC Certificate Number: 14749 Home Page: www.rivertownbank.com Bank Holding Company Bank of Dardanelle Bankshares, Inc., Dardanelle, AR CEO: William R. Bullock SVP: Blake Tarpley Pres: Ronald L. Taylor Cash: Janelle Parker Cash and Due from:.................................... 37,499 Federal Funds and Repos: .................................. 0 Investments: ............................................... 21,925 Net Loans: ................................................ 106,956 Premises and Fixed Assets:.......................... 6,768 Other Real Estate: ........................................ 1,397 Other Assets: ................................................ 4,049 Total Assets: ............................................. 178,594 Total Trust Assets: ............................................... 0 Deposits: .................................................. 149,446 Federal Funds and Borrowings: .................... 9,332 Other Liabilities: ............................................... 635 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 159,413 Total Equity Capital: .................................... 19,181 Total Liabilities and Capital: ...................... 178,594 Number of Shares Outstanding: .................... 8,000 Directors: Dee Abrams; Barbara Bullock; Bunny Bullock; William R. Bullock, Sr.; Fanny George; Blake Tarpley; Ronald L. Taylor Branches in Town: One Other Branches: Atkins, Conway (2), Danville, Dover, Russellville (2) Decatur State Bank Decatur, AR VOICE: (479) 752-3281 FAX: (479) 752-8154 Trust Powers: No Hwy. 59 North 72722-0038 Charter Number: 707 Date: May 27, 1954 FDIC Certificate Number: 17346 Home Page: www.decaturstatebank.net Bank Holding Company Peterson Holding Company, Decatur, AR Chm/Pres: R. Mark Londagin CFO: Eric Brooks Cash and Due from:...................................... 4,680 Federal Funds and Repos: ......................... 16,675 Investments: ............................................... 11,169 Net Loans: .................................................. 90,631 Premises and Fixed Assets:.......................... 3,935 Other Real Estate: ........................................ 4,995 Other Assets: ................................................ 2,187 Total Assets: ............................................. 134,272 Total Trust Assets: ............................................... 0 Deposits: .................................................. 124,050 Federal Funds and Borrowings: .................... 7,000 Other Liabilities: ............................................... 268 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 131,318 Total Equity Capital: ...................................... 2,954 Total Liabilities and Capital: ...................... 134,272 Number of Shares Outstanding: .................... 7,000 Directors: Lendell Bass; Debbie Evans; M. Elaine Gardner; R. Mark Londagin Branches in Town: None Other Branches: Gentry, Siloam Springs Ninety-Eighth Report 41 Bank of Delight Delight, AR VOICE: (870) 379-2293 FAX: (870) 379-2575 Trust Powers: No 503 East Antioch 71940-0068 Charter Number: 342 Date: June 16, 1911 FDIC Certificate Number: 99 Home Page: www.bankofdelight.com Bank Holding Company None Chm/CEO: Darwin Hendrix SVP: Rusty Silvey Pres: Glenn Vasser COO/VP: Vince Grimes Cash and Due from: ...................................... 3,791 Federal Funds and Repos: .......................... 12,250 Investments: ................................................ 19,584 Net Loans:................................................... 45,625 Premises and Fixed Assets: .............................299 Other Real Estate: ............................................366 Other Assets: ...................................................975 Total Assets: ............................................... 82,890 Total Trust Assets: .............................................. 0 Deposits: .....................................................64,815 Federal Funds and Borrowings: ....................... 870 Other Liabilities:................................................. 76 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................65,761 Total Equity Capital: ....................................17,129 Total Liabilities and Capital: .........................82,890 Number of Shares Outstanding: ..................15,583 Directors: Gary Chambliss; Rodney Fagan; Darwin Hendrix; David B. Hendrix; Bev Jordan; 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 Trust Powers: No 402 West Collin Raye Drive 71832-0970 Charter Number: 731 Date: August 26, 1974 FDIC Certificate Number: 21805 Home Page: www.fsbdequeen.com 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 SVP: J. Marc Jackson Cash and Due from: ...................................... 3,589 Federal Funds and Repos: .................................. 0 Investments: ................................................ 47,021 Net Loans:................................................. 123,077 Premises and Fixed Assets: .......................... 5,417 Other Real Estate: ..............................................63 Other Assets: ................................................ 5,898 Total Assets: ............................................. 185,065 Total Trust Assets: .............................................. 0 Deposits: ................................................... 161,430 Federal Funds and Borrowings: .....................6,075 Other Liabilities:.............................................1,706 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 169,211 Total Equity Capital: ....................................15,854 Total Liabilities and Capital: ....................... 185,065 Number of Shares Outstanding: ..................76,000 Directors: Julie Brown; Gary Dan Futrell; Gary L. Golden; Ronald Moore; Edward Revels; Dennis Smiley; Don Stemple Branches in Town: One Other Branches: Dierks, Lockesburg, Murfreesboro, Nashville 42 Arkansas State Bank Department Arkansas County Bank DeWitt, AR VOICE: (870) 946-3551 FAX: (870) 946-1562 Trust Powers: Yes 220 West Cross Street 72042 Charter Number: 790 Date: September 26, 2006 FDIC Certificate Number: 3858 Home Page: www.arkansascountybank.com Member of Federal Reserve System Bank Holding Company DeWitt First Bankshares Corporation, DeWitt, AR CEO/Pres: Warren A. Jennings, Jr. VP/Cash: Mary Jacobs EVP: Gary Oltmann VP/TO: Gena M. Jennings Cash and Due from:...................................... 8,407 Federal Funds and Repos: .................................. 0 Investments: ............................................... 37,296 Net Loans: ................................................ 111,260 Premises and Fixed Assets:.......................... 4,749 Other Real Estate: ............................................. 48 Other Assets: ................................................ 2,810 Total Assets: ............................................. 164,570 Total Trust Assets: ...................................... 21,908 Deposits: .................................................. 124,700 Federal Funds and Borrowings: .................. 24,180 Other Liabilities: ............................................... 198 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 149,078 Total Equity Capital: .................................... 15,492 Total Liabilities and Capital: ...................... 164,570 Number of Shares Outstanding: ........................... 1 Directors: Dale K. Bennett; Kim B. Bethea; Georgea M. Greaves; M. Edward Hord; Waymon Hornbeck; Mary M. Jennings; Warren Jennings, Jr.; Warren A. Jennings, Sr.; K. Daniel Kennedy; Lester A. McKinley; James N. Moss, Jr.; Jimmie Rodgers; Gary Sebree Branches in Town: None Other Branches: Lockesburg, Stuttgart DeWitt Bank And Trust Company DeWitt, AR VOICE: (870) 946-3531 FAX: (870) 946-2815 Trust Powers: Yes Second and Jefferson Streets 72042-0071 Charter Number: 605 Date: March 1, 1929 FDIC Certificate Number: 1522 Home Page: www.dewittbankandtrust.com Bank Holding Company DBT Financial Corporation, DeWitt, AR Chm: Nancy F. Rasco EVP: Tricia Bull CEO/Pres: David Jessup TO: Jason Grantham Cash and Due from:...................................... 8,930 Federal Funds and Repos: .................................. 0 Investments: ............................................... 99,042 Net Loans: .................................................. 53,967 Premises and Fixed Assets:............................. 861 Other Real Estate: ........................................ 2,046 Other Assets: ................................................ 8,318 Total Assets: ............................................. 173,164 Total Trust Assets: ...................................... 37,836 Deposits: .................................................. 123,528 Federal Funds and Borrowings: .................. 25,884 Other Liabilities: ............................................ 1,114 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 150,526 Total Equity Capital: .................................... 22,638 Total Liabilities and Capital: ...................... 173,164 Number of Shares Outstanding: .................. 54,000 Directors: Tricia Bull; Donald Ray Dickson; James L. Fly, Jr.; David L. Jessup; Charles E. Lumsden; Nancy F. Rasco; Dean Watts Branches in Town: None Other Branches: Gillett Ninety-Eighth Report 43 Merchants & Farmers Bank Dumas, AR VOICE: (870) 382-4311 FAX: (870) 382-5901 Trust Powers: Yes 500 Highway 65 South 71639 Charter Number: 278 Date: May 10, 1909 FDIC Certificate Number: 8735 Home Page: www.mfbanknet.com Bank Holding Company M & F Financial Corporation, Dumas, AR CEO/Pres: J. Michael Jones COO: L. Ashton Adcock EVP: Betty B. Trites TO: Glenda B. Owen Cash and Due from: ...................................... 4,552 Federal Funds and Repos: ............................ 5,775 Investments: ................................................ 21,176 Net Loans:................................................... 55,056 Premises and Fixed Assets: .......................... 3,088 Other Real Estate: ..............................................57 Other Assets: ................................................ 4,627 Total Assets: ............................................... 94,331 Total Trust Assets: ...................................... 31,243 Deposits: .....................................................84,430 Federal Funds and Borrowings: ....................... 888 Other Liabilities:............................................... 290 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................85,608 Total Equity Capital: ......................................8,723 Total Liabilities and Capital: .........................94,331 Number of Shares Outstanding: ..................40,000 Directors: L. Ashton Adcock; Jimmie L. Appleberry; Benny M. Estes; L. Sue Frank; Bruce Gasaway; Brooks Gill; Marion S. Gill; James L. Hill; J. Michael Jones; Don Livingston; William W. Shea; David Walt Branches in Town: One Other Branches: None First Financial Bank El Dorado, AR VOICE: (870) 863-7000 FAX: (870) 881-5393 Trust Powers: No 214 North Washington Street Charter Number: 778 71730-1754 Date: April 15, 1999 FDIC Certificate Number: 28905 Home Page: www.ffb1.com Member of Federal Reserve System Bank Holding Company First Financial Banc Corporation, El Dorado, AR Chm: Edwin B. Alderson, Jr. EVP/COO: Jerry Bullard CEO: J. Stephen Cameron CFO: Melissa Jerry Cash and Due from: .................................... 13,237 Federal Funds and Repos: .......................... 22,848 Investments: ................................................ 25,265 Net Loans:................................................. 685,105 Premises and Fixed Assets: .......................... 9,058 Other Real Estate: ......................................... 4,845 Other Assets: .............................................. 37,337 Total Assets: ............................................. 797,695 Total Trust Assets: .............................................. 0 Deposits: ................................................... 603,366 Federal Funds and Borrowings: ................. 114,053 Other Liabilities:.............................................2,287 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 719,706 Total Equity Capital: ....................................77,989 Total Liabilities and Capital: ....................... 797,695 Number of Shares Outstanding: ................ 704,757 Directors: Edwin B. Alderson, Jr.; Jerry Bullard; J. Stephen Cameron; Chris Hegi; Robert Merkle; John D. Milam; James M. Moore, Jr.; Robert M. Murfee; Margaret M. Niel; Jeffrey W. Nolan; Gary W. Sewell; Dr. Stephen C. Smart; Louis Knox White Branches in Town: Five Other Branches: Carthage[MS], Senatobia[MS], Smackover 44 Arkansas State Bank Department Simmons First Bank of El Dorado El Dorado, AR VOICE: (870) 862-8161 FAX: (870) 881-5129 Trust Powers: Yes 100 W. Grove 71730-5642 Charter Number: 792 Date: December 17, 2010 FDIC Certificate Number: 3860 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Robert L. Robinson, IV SVP: Asa "Buddy" Lockwood SVP: Leslie Snuggs Brown VP: Elizabeth "Betty" Flournoy Cash and Due from:.................................... 36,084 Federal Funds and Repos: .................................. 0 Investments: ............................................. 102,300 Net Loans: .................................................. 79,942 Premises and Fixed Assets:.......................... 3,430 Other Real Estate: ............................................... 0 Other Assets: ................................................ 6,543 Total Assets: ............................................. 228,299 Total Trust Assets: ............................................... 0 Deposits: .................................................. 191,947 Federal Funds and Borrowings: .................. 12,274 Other Liabilities: ............................................ 1,440 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 205,661 Total Equity Capital: .................................... 22,638 Total Liabilities and Capital: ...................... 228,299 Number of SharesOutstanding: ....................10,000 Directors: Aubra Anthony, Jr.; David Bartlett; Steven Cosse'; T. Alan Gober; Phillip G. Herring; Denny McConathy; Kenneth P. Oliver, Jr.; Robert L. Robinson, IV; Floyd M. Thomas, Jr.; Larkin Wilson, III; Jennifer Wylie Branches in Town: Two Other Branches: Strong Bank of England England, AR VOICE: (501) 842-2555 FAX: (501) 842-2422 Trust Powers: No 123 South Main Street 72046-0070 Charter Number: 48 Date: August 8, 1898 FDIC Certificate Number: 13303 Home Page: www.bankofengland-ar.com Bank Holding Company MHBC Investments Limited Partnership, I, England, AR Chm/CEO/Pres: Gary Canada, Sr. VP: Allen Evans EVP: Hanna B. Canada Cash: Sheila Rice Cash and Due from:...................................... 4,824 Federal Funds and Repos: .................................. 0 Investments: ............................................... 26,648 Net Loans: ................................................ 215,424 Premises and Fixed Assets:.......................... 4,493 Other Real Estate: ........................................... 720 Other Assets: ................................................ 8,559 Total Assets: ............................................. 260,668 Total Trust Assets: ............................................... 0 Deposits: .................................................. 209,088 Federal Funds and Borrowings: .................. 17,194 Other Liabilities: ............................................ 7,289 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 233,571 Total Equity Capital: .................................... 27,097 Total Liabilities and Capital: ...................... 260,668 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 Luebke Branches in Town: One Other Branches: Carlisle, Little Rock, Lonoke, North Little Rock Ninety-Eighth Report 45 The Eudora Bank Eudora, AR VOICE: (870) 355-8311 FAX: (870) 355-8509 Trust Powers: No 111 North Main Street 71640-0250 Charter Number: 629 Date: December 23, 1930 FDIC Certificate Number: 11254 Bank Holding Company Delta Bancshares of Louisiana, Inc., Oak Grove, LA Chm: Charles F. Poole CEO/Pres: Robert Schultz Cash and Due from: ...................................... 1,942 Federal Funds and Repos: .................................25 Investments: ................................................ 14,939 Net Loans:................................................... 10,388 Premises and Fixed Assets: .............................107 Other Real Estate: ............................................... 0 Other Assets: ...................................................451 Total Assets: ............................................... 27,852 Total Trust Assets: .............................................. 0 Deposits: .....................................................24,493 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 212 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................24,705 Total Equity Capital: ......................................3,147 Total Liabilities and Capital: .........................27,852 Number of Shares Outstanding: ..................14,000 Directors: Kay Avery; Robert D. Avery; Fred W. Hensley; Roger Hensley, Sr.; Charles F. Poole; Robert Schultz; W. R. Selman Branches in Town: None Other Branches: None Cornerstone Bank Eureka Springs, AR VOICE: (479) 253-2265 FAX: (479) 253-1165 Trust Powers: No 70 South Main 72632-0309 Charter Number: 374 Date: May 4, 1912 FDIC Certificate Number: 5635 Home Page: www.cstonebank.net Bank Holding Company Eureka Bancshares, Inc., Eureka Springs, AR CEO/Pres: Charles T. Cross EVP/CLO: Jason Tennant Cash and Due from: ...................................... 7,175 Federal Funds and Repos: .................................. 0 Investments: ................................................ 39,982 Net Loans:................................................... 85,219 Premises and Fixed Assets: .......................... 7,380 Other Real Estate: ......................................... 2,651 Other Assets: ................................................ 5,221 Total Assets: ............................................. 147,628 Total Trust Assets: .............................................. 0 Deposits: ................................................... 124,726 Federal Funds and Borrowings: .....................6,815 Other Liabilities:............................................... 723 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 132,264 Total Equity Capital: ....................................15,364 Total Liabilities and Capital: ....................... 147,628 Number of Shares Outstanding: ....................4,000 Directors: Genes L. Bland; Charles T. Cross; John F. Cross, Sr.; Johnice Cross; Lewis E. Epley, Jr.; William E. Goff; Rex A. Gustin; Michael Mathews; Daniel J. Mumaugh; Archie B. Ryan, Jr.; Randy Wolfinbarger Branches in Town: One Other Branches: Berryville, Holiday Island Arkansas State Bank Department 46 Arvest Bank Fayetteville, AR VOICE: (479) 750-1400 FAX: (479) 770-1615 Trust Powers: Yes 75 North East Street 72702-1327 Charter Number: 31 Date: December 24, 1892 FDIC Certificate Number: 8728 Home Page: www.arvest.com 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/CFO: Karla S. Payne Cash and Due from:............................... 1,824,139 Federal Funds and Repos: .................................. 0 Investments: .......................................... 2,687,688 Net Loans: ............................................. 7,688,561 Premises and Fixed Assets:...................... 363,432 Other Real Estate: ...................................... 95,983 Other Assets: ............................................ 972,366 Total Assets: ........................................ 13,632,169 Total Trust Assets: ............................................... 0 Deposits: ............................................. 11,553,318 Federal Funds and Borrowings: ................ 599,994 Other Liabilities: ........................................ 102,946 Subordinated Debt: .............................................. 0 Total Liabilities: .................................... 12,256,258 Total Equity Capital: ............................... 1,375,911 Total Liabilities and Capital: ................. 13,632,169 Number of Shares Outstanding: ................ 350,692 Directors: Claudia Bratcher; Cliff Gibbs; Scott Grigsby; J. Robert Kelly; James M. King; Bradley Krieger; Karla S. Payne; Phillip O. Porter; K. Kevin Sabin; Jim C. Walton Branches in Town: 10 Other Branches: Ada[OK], Alma, Anderson[MO], Bartlesville[OK] (5), Bella Vista (3), Benton, Bentonville (6), Berryville (2), Branson[MO] (2), Broken Arrow[OK] (4), Bryant, Bull Shoals, Cabot, Caney[KS], Carthage[MO] (2), Centerton, Chickasha[OK], Choctaw[OK], Clarksville (2), Conway (3), Coweta[OK], Del City[OK], Dewey[OK] (2), Duncan[OK] (3), Edmond[OK] (5), Elgin[OK], Eufaula[OK], Eureka Springs, Farmington, Flippin, Fort Smith (9), Gardner[KS], Gentry, Gladstone[MO], Gravette, Greenwood, Grove[OK], Harrison (3), Hindsville, Hollister[MO], Hot Springs (3), Huntsville, Independence[MO], Jacksonville, Jay[OK], Jenks[OK], Joplin[MO] (5), Kansas [OK], Kansas City[MO] (7), Lawton[OK] (4), Lead Hill, Leawood[KS], Lee's Summit[MO] (4), Lenexa[KS], Lincoln, Little Rock (10), Lonoke, Lowell, Maumelle, McAlester[OK], Mena, Miami[OK], Midwest City[OK], Mission[KS], Moore[OK], Morrilton, Mountain Home (2), Muskogee[OK] (2), Neosho[MO] (2), Nixa[MO], Noel[MO], Norman[OK] (7), North Little Rock (3), Nowata[OK] (2), Oklahoma City[OK] (9), Okmulgee[OK], Ottawa[KS], Overland Park[KS], Owasso[OK] (2), Paris, Pea Ridge, Pineville[MO], Poteau[OK], Prairie Grove (2), Pryor[OK] (2), Rogers (7), Russellville (3), Sallisaw[OK], Sand Springs[OK], Sapulpa[OK], Shawnee[OK] (3), Shell Knob[MO], Sherwood (2), Siloam Springs (3), Springdale (6), Springfield[MO] (4), Stillwater[OK] (2), Stilwell[OK], Tahlequah[OK], Tontitown, Tulsa[OK] (18), Van Buren (3), Vinita[OK], Wagoner[OK], Walters[OK], Webb City[MO], West Fork, Westville[OK], Yellville, Yukon[OK] Ninety-Eighth Report 47 Signature Bank of Arkansas Fayetteville, AR VOICE: (479) 684-3700 FAX: (479) 684-3795 Trust Powers: Yes 3878 N. Crossover Road, Suite 20 72703 Charter Number: 660 Date: August 28, 1933 FDIC Certificate Number: 89 Home Page: www.sbofa.com Bank Holding Company White River Bancshares Company, Fayetteville, AR Chm/CEO/Pres/TO: Gary R. Head CCO: Daniel J. Lewis CFO: Russell W. Nugent, Jr. COO: Marilyn Hendricks Cash and Due from: .................................... 15,412 Federal Funds and Repos: ............................ 5,700 Investments: ................................................ 51,785 Net Loans:................................................. 379,224 Premises and Fixed Assets: .......................... 7,031 Other Real Estate: ....................................... 25,567 Other Assets: .............................................. 16,780 Total Assets: ............................................. 501,499 Total Trust Assets: ........................................ 2,114 Deposits: ................................................... 384,809 Federal Funds and Borrowings: ...................52,648 Other Liabilities:.............................................2,633 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 440,090 Total Equity Capital: ....................................61,409 Total Liabilities and Capital: ....................... 501,499 Number of Shares Outstanding: ..................30,000 Directors: Gary R. Head ; Dan Bowers; John A. Dominick; Matthew Duffy; Greg Lee; Jerry P. Maland; Dave Morton; Todd Simmons Branches in Town: None Other Branches: Bentonville, Brinkley (2), Springdale The Bank of Fayetteville Fayetteville, AR VOICE: (479) 444-4444 FAX: (479) 443-1529 Trust Powers: Yes One South Block 72701 Charter Number: 789 Date: December 1, 2005 FDIC Certificate Number: 26975 Home Page: www.bof.com Member of Federal Reserve System Bank Holding Company Bankshares of Fayetteville, Inc., Fayetteville, AR CEO/Pres: Mary Beth Brooks EVP: Billie Pelton EVP: Bob King EVP/CFO: Sam Stricklin Cash and Due from: .................................... 33,020 Federal Funds and Repos: .................................. 0 Investments: ................................................ 57,709 Net Loans:................................................. 237,134 Premises and Fixed Assets: .......................... 7,856 Other Real Estate: ......................................... 9,164 Other Assets: .............................................. 16,938 Total Assets: ............................................. 361,821 Total Trust Assets: ...................................... 49,132 Deposits: ................................................... 308,109 Federal Funds and Borrowings: .....................9,816 Other Liabilities:.............................................1,942 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 319,867 Total Equity Capital: ....................................41,954 Total Liabilities and Capital: ....................... 361,821 Number of Shares Outstanding: ................ 251,014 Directors: Larry Baggett; Woody Bassett; Mary Beth Brooks; Bob Daugherty; Frank Kelly; David McClinton; Ann Rosso; Curtis Shipley Branches in Town: Four Other Branches: Farmington, Prairie Grove, West Fork 48 Arkansas State Bank Department Twin Lakes Community Bank Flippin, AR VOICE: (870) 453-8522 FAX: (870) 453-8525 Trust Powers: No 301 South First Street 72634 Charter Number: 620 Date: December 2, 1930 FDIC Certificate Number: 15880 Home Page: www.tlcbank.net Member of Federal Reserve System Bank Holding Company First National Corporation of Wynne, Wynne, AR Chm: Judy R. Loving Pres: Sandy Garrison CEO: Noel Morris CFO/VP: Marcus Walser Cash and Due from:...................................... 2,443 Federal Funds and Repos: ........................... 2,605 Investments: ............................................... 12,838 Net Loans: .................................................. 57,201 Premises and Fixed Assets:.......................... 5,504 Other Real Estate: ........................................... 466 Other Assets: ................................................ 1,375 Total Assets: ............................................... 82,432 Total Trust Assets: ............................................... 0 Deposits: .................................................... 73,216 Federal Funds and Borrowings: ....................... 100 Other Liabilities: ............................................... 220 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 73,536 Total Equity Capital: ...................................... 8,896 Total Liabilities and Capital: ........................ 82,432 Number of Shares Outstanding: ................ 469,594 Directors: Keith Daffron; Jeff Gilbrech; Randy Hopper; Philip Hurst; Judy R. Loving; Jeff Magness; Sean Williams Branches in Town: None Other Branches: Mountain Home, Norfork Fordyce Bank & Trust Company Fordyce, AR VOICE: (870) 352-3107 FAX: (870) 352-5202 Trust Powers: Yes 200 West Fourth Street 71742-2202 Charter Number: 631 Date: January 5, 1931 FDIC Certificate Number: 1028 Home Page: www.fordycebank.com Member of Federal Reserve System Bank Holding Company FBT Bancshares, Inc., Fordyce, AR Chm/CEO/Pres/TO: James V. Hulse, Jr. EVP: Bruce Dawson EVP: Suzette Crutchfield EVP: Don Lyle Cash and Due from:...................................... 7,265 Federal Funds and Repos: .................................. 0 Investments: ............................................... 52,522 Net Loans: .................................................. 57,055 Premises and Fixed Assets:.......................... 2,386 Other Real Estate: ........................................... 120 Other Assets: ................................................ 4,444 Total Assets: ............................................. 123,792 Total Trust Assets: ........................................ 1,264 Deposits: .................................................... 96,682 Federal Funds and Borrowings: .................. 11,750 Other Liabilities: ............................................... 846 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 109,278 Total Equity Capital: .................................... 14,514 Total Liabilities and Capital: ...................... 123,792 Number of Shares Outstanding: .................... 8,000 Directors: Joe D. Barnes; Suzette Crutchfield; James V. Hulse, Jr.; Roy McClain; Anthony Nutt; John N. Summers; Greg Terry; Charles B. Trussell; Clyde Williams Branches in Town: One Other Branches: Pine Bluff, Rison, White Hall Ninety-Eighth Report 49 Bank of Gravett Gravette, AR VOICE: (479) 787-5251 FAX: (479) 787-6102 Trust Powers: No 211 Main Street SE 72736 Charter Number: 46 Date: February 28, 1898 FDIC Certificate Number: 5636 Home Page: www.bankofgravett.net Bank Holding Company Gravett Bancshares, Inc., Gravette, AR CEO/Pres: John R. Meade SVP/CLO: Jim R. Sloan EVP/COO: David N. Wills Cash and Due from: ...................................... 4,566 Federal Funds and Repos: ............................ 4,700 Investments: ................................................ 43,388 Net Loans:................................................... 74,960 Premises and Fixed Assets: .......................... 2,914 Other Real Estate: ............................................906 Other Assets: ................................................ 7,428 Total Assets: ............................................. 138,862 Total Trust Assets: .............................................. 0 Deposits: ................................................... 120,760 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................2,076 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 122,836 Total Equity Capital: ....................................16,026 Total Liabilities and Capital: ....................... 138,862 Number of Shares Outstanding: ....................4,000 Directors: Albert P. Dunagin; Sharron Edmondson; Jim A. Edmonson; Kenny R. Hancock; John A. Lykins; John R. Meade; William R. Meade; Richard T. Pollreis; Jim R. Sloan; David N. Wills Branches in Town: One Other Branches: Centerton, Hiwasse First Service Bank Greenbrier, AR VOICE: (501) 679-7200 FAX: (501) 679-5104 Trust Powers: No 136 South Broadview 72058-0190 Charter Number: 732 Date: October 15, 1976 FDIC Certificate Number: 18519 Home Page: www.1stServiceBank.com Bank Holding Company First Service Bancshares, Inc., Greenbrier, AR Chm: Thomas H. Grumbles CFO/COO: Kenneth Barnard CEO/Pres: Thomas H. Grumbles Cash and Due from: ...................................... 7,651 Federal Funds and Repos: ............................ 7,825 Investments: ................................................ 32,159 Net Loans:................................................. 154,143 Premises and Fixed Assets: .......................... 9,849 Other Real Estate: ......................................... 3,039 Other Assets: ................................................ 7,458 Total Assets: ............................................. 222,124 Total Trust Assets: .............................................. 0 Deposits: ................................................... 187,300 Federal Funds and Borrowings: .....................6,351 Other Liabilities:.............................................1,337 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 194,988 Total Equity Capital: ....................................27,136 Total Liabilities and Capital: ....................... 222,124 Number of Shares Outstanding: ..................15,000 Directors: James Beavers; Steve Bone; Dr. Gary Bowman; Melton Cotton; Thomas H. Grumbles; Jim Hawks; Dr. Kyle D. Hensley; Dois "Dyke" Johnson; Jerry Kimbrough; Veda McCaslin; Larry Oaks Branches in Town: None Other Branches: Clinton (2), Conway, Dermott, Flippin, Marshall, Mountain View, Shirley, Yellville 50 Arkansas State Bank Department Farmers Bank Greenwood, AR VOICE: (479) 996-4171 FAX: (479) 996-6700 Trust Powers: Yes 71 West Center 72936-0610 Charter Number: 243 Date: August 7, 1907 FDIC Certificate Number: 1296 Home Page: www.gofarmersbank.com Bank Holding Company Wilkinson Banking Corporation, Greenwood, AR Chm: Elizabeth Wilkinson TO: Norman Wilkinson CEO: Stanhope Wilkinson Cash and Due from:...................................... 5,337 Federal Funds and Repos: ........................... 9,250 Investments: ............................................... 72,452 Net Loans: .................................................. 73,868 Premises and Fixed Assets:........................ 16,701 Other Real Estate: ........................................ 2,765 Other Assets: ................................................ 4,086 Total Assets: ............................................. 184,459 Total Trust Assets: ........................................ 3,802 Deposits: .................................................. 145,311 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 232 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 145,543 Total Equity Capital: .................................... 38,916 Total Liabilities and Capital: ...................... 184,459 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: Barling, Bonanza, Fort Smith (2), Hackett, Hartford, Huntington, Lavaca, Mansfield Farmers Bank Hamburg, AR VOICE: (870) 853-5222 FAX: (870) 853-2333 Trust Powers: No Chm: Nancy Foote Spivey CEO/Pres: Kenneth Allbritton 210 North Main 71646-0350 Charter Number: 680 Date: March 10, 1941 FDIC Certificate Number: 15810 Bank Holding Company None VP: Virginia Bowman VP/Cash: June M. Golden Cash and Due from:.................................... 15,301 Federal Funds and Repos: .................................. 0 Investments: ............................................... 12,641 Net Loans: .................................................. 13,371 Premises and Fixed Assets:............................. 718 Other Real Estate: ........................................... 267 Other Assets: ................................................... 590 Total Assets: ............................................... 42,888 Total Trust Assets: ............................................... 0 Deposits: .................................................... 37,864 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 69 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 37,933 Total Equity Capital: ...................................... 4,955 Total Liabilities and Capital: ........................ 42,888 Number of Shares Outstanding: .................. 44,520 Directors: Gene Barnes; William E. Foote, IV; Nancy C. Foote Spivey; Freddie Martin; Jack Shell; Bobby J. Witherington Branches in Town: None Other Branches: None Ninety-Eighth Report 51 First Bank Hampton, AR VOICE: (870) 837-8300 FAX: (870) 837-8310 Trust Powers: No 302 West Main Street 71744-0008 Charter Number: 220 Date: October 26, 1906 FDIC Certificate Number: 88 Home Page: www.firstbankar.com Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm/CEO/Pres: Phillip J. Foster CFO: Sandy Ferguson Reg Pres: Jonathan Harrell Cash and Due from: ...................................... 6,736 Federal Funds and Repos: ............................ 2,550 Investments: ................................................ 53,620 Net Loans:................................................. 172,795 Premises and Fixed Assets: .......................... 6,944 Other Real Estate: ......................................... 1,087 Other Assets: ................................................ 7,969 Total Assets: ............................................. 251,701 Total Trust Assets: .............................................. 0 Deposits: ................................................... 219,937 Federal Funds and Borrowings: .....................6,006 Other Liabilities:.............................................1,238 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 227,181 Total Equity Capital: ....................................24,520 Total Liabilities and Capital: ....................... 251,701 Number of Shares Outstanding: ....................4,000 Directors: L. D. Becton, III; Dan H. Byars; Gene Dereuisseaux; Phillip J. Foster; Ben Harrell; Carl Harrell; Jonathan W. Harrell; Paul E. Lindsey; John F. Marsh; James M. Morgan; Richard H. Mosley; John David Neeley; Richard L. Smith Branches in Town: None Other Branches: Camden (4), Junction City, Rogers, Siloam Springs Community First Bank Harrison, AR VOICE: (870) 391-8000 FAX: (870) 391-8081 Trust Powers: Yes 200 East Ridge 72601 Charter Number: 772 Date: October 14, 1997 FDIC Certificate Number: 34611 Home Page: www.communityfirstbank.com Bank Holding Company Community First Bancshares, Inc., Harrison, AR Chm: Jerry Maland CFO/COO: Ann Main CEO/Pres: David Morton CCO: Danny Criner Cash and Due from: ...................................... 5,434 Federal Funds and Repos: .......................... 13,750 Investments: .............................................. 103,992 Net Loans:................................................. 339,592 Premises and Fixed Assets: ........................ 11,727 Other Real Estate: ......................................... 9,936 Other Assets: .............................................. 12,059 Total Assets: ............................................. 496,490 Total Trust Assets: .............................................. 0 Deposits: ................................................... 371,254 Federal Funds and Borrowings: ...................64,312 Other Liabilities:.............................................2,607 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 438,173 Total Equity Capital: ....................................58,317 Total Liabilities and Capital: ....................... 496,490 Number of Shares Outstanding: ..................60,000 Directors: Dan R. Bowers; Danny Criner; J. Kirkwood Dupps; Jim Harp; Elizabeth Kelley; Ann Main; Jerry Maland; Meredith Miller; David Morton; James Nelson; Jim Sprott; Deretha Walker Branches in Town: One Other Branches: Berryville, Eureka Springs, Pea Ridge Arkansas State Bank Department 52 Horatio State Bank Horatio, AR VOICE: (870) 832-2501 FAX: (870) 832-2577 Trust Powers: No 123 Main Street 71842-0347 Charter Number: 179 Date: May 15, 1905 FDIC Certificate Number: 109 Bank Holding Company Pioneer Bancshares, Inc. of Horatio, Arkansas, Horatio, AR Chm/CEO/Pres: Carl E. Hendrix, III SVP: Edith H. Smith EVP: Todd B. Trimble VP: C. E. Hendrix, Jr. Cash and Due from:.................................... 16,450 Federal Funds and Repos: ........................... 2,000 Investments: ............................................... 16,578 Net Loans: .................................................. 92,027 Premises and Fixed Assets:............................. 749 Other Real Estate: ............................................. 92 Other Assets: ................................................ 1,539 Total Assets: ............................................. 129,435 Total Trust Assets: ............................................... 0 Deposits: .................................................. 115,536 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 119 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 115,655 Total Equity Capital: .................................... 13,780 Total Liabilities and Capital: ...................... 129,435 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 Hot Springs Bank & Trust Company Hot Springs, AR VOICE: (501) 525-1033 FAX: (501) 525-1037 Trust Powers: Yes 4446 Central Avenue 71913 Charter Number: 737 Date: July 6, 1978 FDIC Certificate Number: 3855 Home Page: www.hsbanking.com Bank Holding Company Jefferson Bancshares, Inc., Pine Bluff, AR Chm: John P. Garrison EVP/TO: Richard L. Metcalf CEO/Pres: Harold Hardwick SVP/SLO: Pete Fotioo Cash and Due from:...................................... 4,997 Federal Funds and Repos: ........................... 6,000 Investments: ............................................... 12,696 Net Loans: .................................................. 58,903 Premises and Fixed Assets:.......................... 4,576 Other Real Estate: ........................................ 2,376 Other Assets: ................................................ 1,648 Total Assets: ............................................... 91,196 Total Trust Assets: ...................................... 18,898 Deposits: .................................................... 80,340 Federal Funds and Borrowings: ....................... 352 Other Liabilities: ............................................... 124 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 80,816 Total Equity Capital: .................................... 10,380 Total Liabilities and Capital: ........................ 91,196 Number of Shares Outstanding: ................ 125,610 Directors: Thomas Dial; John P. Garrison; Harold Hardwick; Rodney P. Herndon; Annette Kline; Richard L. Metcalf; Charles G. Morgan, Jr.; Scott Pittillo Branches in Town: One Other Branches: Hot Springs Village (2) Ninety-Eighth Report 53 Simmons First Bank of Hot Springs Hot Springs, AR VOICE: (501) 318-1000 FAX: (501) 318-6018 Trust Powers: Yes 100 Werner Drive 71913 Charter Number: 769 Date: April 17, 1997 FDIC Certificate Number: 34473 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm: David L. Bartlett SVP: Cindy Baswell CEO/Pres: Steven Trusty SVP: Chris White Cash and Due from: .................................... 20,364 Federal Funds and Repos: .................................. 0 Investments: ................................................ 61,425 Net Loans:................................................... 69,865 Premises and Fixed Assets: .......................... 2,988 Other Real Estate: ............................................597 Other Assets: .............................................. 21,178 Total Assets: ............................................. 176,417 Total Trust Assets: .............................................. 0 Deposits: ................................................... 134,124 Federal Funds and Borrowings: ...................10,214 Other Liabilities:.............................................2,482 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 146,820 Total Equity Capital: ....................................29,597 Total Liabilities and Capital: ....................... 176,417 Number of Shares Outstanding: ..................18,663 Directors: Sara Barnett; David L. Bartlett; Stuart A. Fleischner, D.D.S.; James "Bart" Newman; Lance A. Porter, D.D.S.; Sam P. Stathakis, Jr.; Steven W. Trusty Branches in Town: Four Other Branches: None First State Bank of Northwest Arkansas Huntsville, AR VOICE: (479) 582-0700 FAX: (479) 251-8253 Trust Powers: Yes 432 Madison 1650 72740-0667 Charter Number: 756 Date: July 26, 1991 FDIC Certificate Number: 33470 Home Page: www.fsbnwa.com Bank Holding Company Mathias Bancshares, Inc., Springdale, AR Chm: Sam Mathias EVP/COO: Marivel Radcliffe CEO/Pres: Larry Olson SVP: Mark A. Marks Cash and Due from: ...................................... 2,372 Federal Funds and Repos: ............................ 3,475 Investments: ................................................ 13,279 Net Loans:................................................... 43,098 Premises and Fixed Assets: .......................... 3,068 Other Real Estate: ......................................... 4,889 Other Assets: .............................................. 14,244 Total Assets: ............................................... 84,425 Total Trust Assets: .............................................. 0 Deposits: .....................................................66,455 Federal Funds and Borrowings: .....................5,379 Other Liabilities:............................................... 752 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................72,586 Total Equity Capital: ....................................11,839 Total Liabilities and Capital: .........................84,425 Number of Shares Outstanding: ..................27,000 Directors: Curtis Hutchins; Sam Mathias; Bob Nickle; Larry Olson; Janie Waters Reed; Lew Thompson; Arthur Thurman Branches in Town: One Other Branches: Fayetteville 54 Arkansas State Bank Department First Arkansas Bank & Trust Jacksonville, AR VOICE: (501) 982-4511 FAX: (501) 982-5769 Trust Powers: Yes 600 West Main 72076 Charter Number: 701 Date: August 2, 1949 FDIC Certificate Number: 16849 Home Page: www.Firstarkansasbank.com Bank Holding Company First Arkansas BancShares, Inc., Jacksonville, AR Chm/CEO/Pres: Larry T. Wilson SVP/CFO: Kim Crook EVP: John Hardwick Cash and Due from:.................................... 29,760 Federal Funds and Repos: .................................. 0 Investments: ............................................. 155,843 Net Loans: ................................................ 418,796 Premises and Fixed Assets:........................ 18,286 Other Real Estate: ........................................ 2,446 Other Assets: .............................................. 72,728 Total Assets: ............................................. 697,859 Total Trust Assets: ...................................... 98,658 Deposits: .................................................. 522,707 Federal Funds and Borrowings: .................. 49,366 Other Liabilities: ............................................ 7,888 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 579,961 Total Equity Capital: .................................. 117,898 Total Liabilities and Capital: ...................... 697,859 Number of Shares Outstanding: ................ 200,000 Directors: Cecil Alexander; Tommy Bond; Thad Gray; Pat Hagge; John C. Hardwick; James E. Peacock; Kathryn W. Roberts; Wetzel Stark; Larry T. Wilson; Michael K. Wilson Branches in Town: Four Other Branches: Austin, Cabot (3), Clinton, Damascus, El Paso, Gravel Ridge, Greenbrier (2), Greers Ferry, Heber Springs (3), North Little Rock, Quitman, Sherwood (2) Ninety-Eighth Report 55 Liberty Bank of Arkansas Jonesboro, AR VOICE: (870) 934-9000 FAX: (870) 268-1525 Trust Powers: Yes 2901 East Highland Drive 72401 Charter Number: 787 Date: January 24, 2001 FDIC Certificate Number: 3878 Home Page: www.mylibertybank.com Member of Federal Reserve System 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: .................................... 35,814 Federal Funds and Repos: ............................ 6,150 Investments: .............................................. 682,081 Net Loans:.............................................. 1,812,971 Premises and Fixed Assets: ........................ 79,276 Other Real Estate: ....................................... 33,621 Other Assets: ............................................ 139,669 Total Assets: .......................................... 2,789,582 Total Trust Assets: .................................... 341,595 Deposits: ................................................ 2,142,608 Federal Funds and Borrowings: ................. 280,106 Other Liabilities:.............................................4,448 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 2,427,162 Total Equity Capital: .................................. 362,420 Total Liabilities and Capital: .................... 2,789,582 Number of Shares Outstanding: ................ 350,000 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; Al M. Heringer, III; Sam W. Hummelstein; Mike Langford; Charles Luter; Hugh McClain; Lloyd H. McCracken, Jr.; Matt Parker; Roy Reaves; James E. Way Branches in Town: Six Other Branches: Atkins, Batesville, Bay, Bentonville, Clarksville, Dardanelle (2), Fayetteville, Fort Smith (3), Gentry, Highland, Monette, Morrilton, Mountain Home (2), Paragould (3), Pottsville, Rector, Rogers, Russellville (4), Searcy (3), Siloam Springs (3), Springdale (2), Tontitown, Van Buren Arkansas State Bank Department 56 Simmons First Bank of Northeast Arkansas Jonesboro, AR VOICE: (870) 933-8000 FAX: (870) 933-7565 Trust Powers: Yes 1720 South Caraway Road 72401 Charter Number: 734 Date: December 22, 1976 FDIC Certificate Number: 16715 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Barry K. Ledbetter SVP/Sec: Wayne Bond SVP: Kent Bridger Cash and Due from:.................................... 20,383 Federal Funds and Repos: ........................... 3,156 Investments: ............................................... 24,064 Net Loans: ................................................ 279,819 Premises and Fixed Assets:.......................... 6,195 Other Real Estate: ........................................... 111 Other Assets: ................................................ 8,202 Total Assets: ............................................. 341,930 Total Trust Assets: ............................................... 0 Deposits: .................................................. 294,181 Federal Funds and Borrowings: .................. 12,333 Other Liabilities: ............................................ 2,910 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 309,424 Total Equity Capital: .................................... 32,506 Total Liabilities and Capital: ...................... 341,930 Number of Shares Outstanding: ................ 175,000 Directors: David Bartlett; Barry K. Ledbetter; Ben Owens, Jr.; David Pyle; Jim Scurlock; Berl A. Smith; Mark Wimpy Branches in Town: Two Other Branches: Paragould, Weiner Simmons First Bank of South Arkansas Lake Village, AR VOICE: (870) 265-5366 FAX: (870) 265-5558 Trust Powers: Yes 417 Main Street 71653-0271 Charter Number: 716 Date: June 12, 1962 FDIC Certificate Number: 18590 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO: Freddie G. Black Pres: Tommy R. Jarrett Cash and Due from:.................................... 32,472 Federal Funds and Repos: .................................. 0 Investments: ............................................... 46,281 Net Loans: .................................................. 92,402 Premises and Fixed Assets:.......................... 3,288 Other Real Estate: ............................................... 0 Other Assets: ................................................ 6,061 Total Assets: ............................................. 180,504 Total Trust Assets: ............................................... 0 Deposits: .................................................. 152,336 Federal Funds and Borrowings: .................... 9,195 Other Liabilities: ............................................ 1,421 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 162,952 Total Equity Capital: .................................... 17,552 Total Liabilities and Capital: ...................... 180,504 Number of Shares Outstanding: .................. 12,500 Directors: Freddie G. Black; Robert G. Bridewell, Sr.; James W. Haddock; Craig Hunt; Tommy R. Jarrett; Beverly M. Mihalyka; Jerry Selby; Harold Smith Branches in Town: One Other Branches: Dermott, Dumas, Monticello Ninety-Eighth Report 57 The Bank of Lake Village Lake Village, AR VOICE: (870) 265-2241 FAX: (870) 265-2125 Trust Powers: No 201 Main Street 71653-0727 Charter Number: 675 Date: October 14, 1937 FDIC Certificate Number: 15547 Home Page: www.bankoflakevillage.com Member of Federal Reserve System 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: John Todd Potter Cash and Due from: ...................................... 1,905 Federal Funds and Repos: ...............................225 Investments: ................................................ 17,007 Net Loans:................................................... 39,039 Premises and Fixed Assets: .......................... 1,173 Other Real Estate: ..............................................66 Other Assets: ................................................ 1,662 Total Assets: ............................................... 61,077 Total Trust Assets: .............................................. 0 Deposits: .....................................................52,519 Federal Funds and Borrowings: .....................2,000 Other Liabilities:............................................... 120 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................54,639 Total Equity Capital: ......................................6,438 Total Liabilities and Capital: .........................61,077 Number of Shares Outstanding: ..................60,000 Directors: Terence J. Alpe; Sam E. Angel; Sam Epstein Angel, II; William W. Bunker; Dr. John P. Burge, Sr.; David F. Gillison, Jr.; Joseph J. Pieroni; Charles H. Weissinger, Jr.; Guy Mattingly Weissinger Branches in Town: One Other Branches: None Little River Bank Lepanto, AR VOICE: (870) 475-2306 FAX: (870) 475-3070 Trust Powers: Yes 202 Greenwood 72354-0340 Charter Number: 498 Date: November 21, 1919 FDIC Certificate Number: 1298 Home Page: www.littleriverbank.com Bank Holding Company Little River Bancshares, Inc., Lepanto, AR CEO/Pres: Frankie L. Pratt SVP: Jana Malone EVP: Lois Criddle VP: Monica Sims Cash and Due from: ...................................... 4,865 Federal Funds and Repos: ...............................665 Investments: ................................................ 18,344 Net Loans:................................................... 17,018 Premises and Fixed Assets: .............................226 Other Real Estate: ............................................250 Other Assets: ...................................................346 Total Assets: ............................................... 41,714 Total Trust Assets: .............................................. 0 Deposits: .....................................................36,525 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 157 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................36,682 Total Equity Capital: ......................................5,032 Total Liabilities and Capital: .........................41,714 Number of Shares Outstanding: ..................10,000 Directors: E. Ritter Arnold; Hadley Ingram Arnold; Scott Arnold, IV; Danette W. Lawrie; Junaway Payne; Dannal Perry; Ernest B. Portis; Julanne Portis; Frankie L. Pratt; Juliet Romano; Henry G. Watkins, III Branches in Town: None Other Branches: None 58 Arkansas State Bank Department Bank of Little Rock Little Rock, AR VOICE: (501) 376-0800 FAX: (501) 376-1642 Trust Powers: Yes 200 North State Street 72201 Charter Number: 748 Date: May 4, 1989 FDIC Certificate Number: 91280 Home Page: www.bankoflittlerock.com Member of Federal Reserve System Bank Holding Company Little Rock Bankshares, Inc., Little Rock, AR Chm/CEO: Eugene L. Maris SVP/Cash: Lee A. Swearingen Pres: George G. Worthen Cash and Due from:...................................... 9,018 Federal Funds and Repos: ........................... 2,375 Investments: ............................................... 44,444 Net Loans: ................................................ 112,363 Premises and Fixed Assets:.......................... 6,146 Other Real Estate: ........................................ 4,012 Other Assets: ................................................ 5,117 Total Assets: ............................................. 183,475 Total Trust Assets: ............................................... 0 Deposits: .................................................. 164,480 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 824 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 165,304 Total Equity Capital: .................................... 18,171 Total Liabilities and Capital: ...................... 183,475 Number of Shares Outstanding: ................ 100,000 Directors: Eugene L. Maris; James M. May, III; Stephen W. Plunkett; Steven C. Russell; George G. Worthen Branches in Town: Four Other Branches: None Ninety-Eighth Report 59 Bank of the Ozarks Little Rock, AR VOICE: (501) 978-2265 FAX: (501) 978-2340 Trust Powers: Yes 17901 Chenal Parkway 72223 Charter Number: 121 Date: March 24, 1903 FDIC Certificate Number: 110 Home Page: www.bankozarks.com Bank Holding Company Bank of the Ozarks, Inc., Little Rock, AR Chm/CEO: George G. Gleason, II CFO: Greg McKinney VChm/COO: Mark D. Ross TO: Rex Kyle Cash and Due from: .................................... 66,357 Federal Funds and Repos: .................................. 0 Investments: .............................................. 400,302 Net Loans:.............................................. 2,645,699 Premises and Fixed Assets: ...................... 219,867 Other Real Estate: ....................................... 79,256 Other Assets: ............................................ 341,118 Total Assets: .......................................... 3,752,599 Total Trust Assets: ................................. 1,176,236 Deposits: ................................................ 2,819,675 Federal Funds and Borrowings: ................. 371,304 Other Liabilities:...........................................61,303 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 3,252,282 Total Equity Capital: .................................. 500,317 Total Liabilities and Capital: .................... 3,752,599 Number of Shares Outstanding: ....................2,340 Directors: Jean Arehart; Nicholas A. Brown; Richard L. Cisne; Robert C. East; George G. Gleason, II; Linda D. Gleason; Henry Mariani; Robert Proost; R. L. Qualls; John B. Reynolds; Mark D. Ross; Kennith Smith; Sherece Y. West Branches in Town: Eight Other Branches: Adairsville[GA], Allen[TX], Alma, Altus, Athens[GA], Bainbridge[GA] (2), Bella Vista (2), Bellefonte, Benton (3), Bentonville (2), Bluffton[SC], Bradenton[FL] (2), Brunswick[GA], Bryant, Cabot (2), Cairo[GA], Calhoun[GA], Carrollton[TX], Cartersville[GA] (2), Clarksville (2), Clinton, Conway (4), Cumming[GA], Dallas[GA], Dallas[TX], Dawsonville[GA] (2), Douglasville[GA], Fayetteville (2), Fort Smith (3), Frisco[TX] (2), Harrison (2), Hot Springs (3), Jasper, Keller[TX], Lake Park[GA], Lewisville[TX], Lonoke, Lonsdale, Marble Hill[GA], Marshall, Maumelle, McDonough[GA], Mobile[AL], Mountain Home (2), Mulberry, Newnan[GA], North Little Rock (3), Oakwood[GA], Ocala[FL], Ozark (2), Palmetto[FL], Paris, Plano[TX], Rogers (3), Rome[GA], Russellville (3), Savannah[GA], Senoia[GA], Sharpsburg[GA], Sherwood, Southlake[TX], Springdale, St. Simons Island[GA], Texarkana, Texarkana[TX] (2), The Colony[TX], Valdosta[GA] (3), Van Buren (2), Western Grove, Wilmington[NC], Yellville 60 Arkansas State Bank Department Central Bank Little Rock, AR VOICE: (501) 221-6400 FAX: (501) 227-8932 Trust Powers: No 1506 Market Street, Suite C180 Charter Number: 385 72211-1816 Date: August 12, 1912 FDIC Certificate Number: 1756 Home Page: www.centralbankar.com Bank Holding Company None Chm: Francis X. "Skip" Frantz SVP/CLO: Megan Powell CEO/Pres: Wade Ruckle Cash and Due from:...................................... 2,883 Federal Funds and Repos: ........................... 3,470 Investments: ............................................... 21,722 Net Loans: .................................................. 56,398 Premises and Fixed Assets:............................... 71 Other Real Estate: ........................................ 2,736 Other Assets: ................................................ 1,640 Total Assets: ............................................... 88,920 Total Trust Assets: ............................................... 0 Deposits: .................................................... 70,505 Federal Funds and Borrowings: .................... 2,879 Other Liabilities: ............................................ 1,072 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 74,456 Total Equity Capital: .................................... 14,464 Total Liabilities and Capital: ........................ 88,920 Number of Shares Outstanding: ................ 160,000 Directors: James R. Burks; David Estes; Francis X. "Skip" Frantz; James B. Malone; John Reese; R. Steve Roberson; Wade Ruckle; Rodney Thomason Branches in Town: None Other Branches: None Eagle Bank & Trust Company Little Rock, AR VOICE: (501) 223-2000 FAX: (501) 223-0373 Trust Powers: Yes 650 South Shackleford, Suite 150 Charter Number: 735 72211 Date: May 7, 1977 FDIC Certificate Number: 3873 Home Page: www.eaglebank.com Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Catherine H. Owen EVP: Paul Castleberry CEO/Pres: Jeff Lynch EVP: Janice Parrott Cash and Due from:.................................... 12,189 Federal Funds and Repos: ........................... 3,700 Investments: ............................................. 200,991 Net Loans: ................................................ 125,976 Premises and Fixed Assets:.......................... 5,705 Other Real Estate: ........................................ 1,360 Other Assets: ................................................ 9,931 Total Assets: ............................................. 359,852 Total Trust Assets: ............................................... 0 Deposits: .................................................. 301,337 Federal Funds and Borrowings: .................. 16,968 Other Liabilities: ............................................ 2,269 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 320,574 Total Equity Capital: .................................... 39,278 Total Liabilities and Capital: ...................... 359,852 Number of Shares Outstanding: .................. 17,656 Directors: Andrew H. Hastings; H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Bill G. Lynch; Jeff Lynch; Catherine H. Owen Branches in Town: None Other Branches: Drasco, Fairfield Bay, Gravel Ridge, Greers Ferry, Heber Springs (2), North Little Rock, Quitman, Rose Bud, Sherwood (3), Vilonia Ninety-Eighth Report 61 The Capital Bank Little Rock, AR VOICE: (501) 228-6000 FAX: (501) 228-6006 Trust Powers: Yes 12224 Chenal Parkway 72211 Charter Number: 771 Date: July 30, 1997 FDIC Certificate Number: 34562 Home Page: www.thecapitalbank.com Member of Federal Reserve System Bank Holding Company Capital Bancshares, Inc., Little Rock, AR CEO/Pres: Kyle E. Patton SVP: Donna Hall EVP/CFO: Jeanette Nation VP: Alan Harrison Cash and Due from: ...................................... 1,748 Federal Funds and Repos: ...............................650 Investments: ................................................ 90,200 Net Loans:................................................... 51,615 Premises and Fixed Assets: .......................... 3,782 Other Real Estate: ......................................... 3,972 Other Assets: ................................................ 4,817 Total Assets: ............................................. 156,784 Total Trust Assets: .............................................. 0 Deposits: ................................................... 111,852 Federal Funds and Borrowings: ...................26,805 Other Liabilities:............................................... 387 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 139,044 Total Equity Capital: ....................................17,740 Total Liabilities and Capital: ....................... 156,784 Number of Shares Outstanding: ..................32,013 Directors: Melinda Ballard; Joseph W. Park; Kyle E. Patton; Boyd Rothwell; Warren Stephenson Branches in Town: None Other Branches: None First State Bank Lonoke, AR VOICE: (501) 676-3106 FAX: (501) 676-5046 Trust Powers: No Chm: Neil Bennett, Jr. CEO: David R. Estes 101 South Center Street 72086-0320 Charter Number: 670 Date: March 9, 1935 FDIC Certificate Number: 15050 Home Page: www.firststatebk.com Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Pres: J. Bruce Loftin Cash and Due from: .................................... 27,017 Federal Funds and Repos: .......................... 10,151 Investments: ................................................ 33,450 Net Loans:................................................. 158,057 Premises and Fixed Assets: .......................... 3,516 Other Real Estate: ....................................... 21,803 Other Assets: ................................................ 6,624 Total Assets: ............................................. 260,618 Total Trust Assets: .............................................. 0 Deposits: ................................................... 230,675 Federal Funds and Borrowings: .....................2,000 Other Liabilities:............................................... 961 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 233,636 Total Equity Capital: ....................................26,982 Total Liabilities and Capital: ....................... 260,618 Number of Shares Outstanding: ..................16,000 Directors: Robert S. Bailey, Jr.; Neil Bennett, Jr.; Richard Bransford; David R. Estes; William Fletcher, Jr.; Charles E. Knox; J. Bruce Loftin; J. Walls McCrary; Robert Dale Miller; Daina B. Newcomb; Alan (Chuck) Sharp; Marvin D. Thaxton, Jr. Branches in Town: One Other Branches: Carlisle, Fayetteville, Gurdon, Heber Springs, Springdale Arkansas State Bank Department 62 Farmers Bank and Trust Company Magnolia, AR VOICE: (870) 235-7000 FAX: (870) 235-7039 Trust Powers: Yes 200 East Main Street 71753 Charter Number: 217 Date: September 26, 1906 FDIC Certificate Number: 1291 Home Page: www.fbtarkansas.com Member of Federal Reserve System Bank Holding Company Magnolia Banking Corporation, Magnolia, AR Chm/CEO: Bob L. Burns CFO: Drew Chandler Pres/CLO: Steve Keith TO: Todd Smith Cash and Due from:.................................... 14,099 Federal Funds and Repos: .................................. 0 Investments: ............................................. 173,363 Net Loans: ................................................ 520,184 Premises and Fixed Assets:........................ 11,885 Other Real Estate: ........................................ 5,673 Other Assets: .............................................. 30,625 Total Assets: ............................................. 755,829 Total Trust Assets: .................................... 103,175 Deposits: .................................................. 646,122 Federal Funds and Borrowings: .................. 22,154 Other Liabilities: ............................................ 6,478 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 674,754 Total Equity Capital: .................................... 81,075 Total Liabilities and Capital: ...................... 755,829 Number of Shares Outstanding: ................ 100,000 Directors: John E. Alexander, Jr.; Ronny J. Bell; Bob L. Burns; Dr. Jason Franks; Steve Keith; Bruce D. Maloch; Ken Sibley; T. E. Smith Branches in Town: Three Other Branches: Benton, Camden (4), Malvern (2), Taylor, Texarkana[TX] The Peoples Bank Magnolia, AR VOICE: (870) 234-5777 FAX: (870) 234-3384 Trust Powers: Yes 500 North Jackson 71753-0340 Charter Number: 313 Date: June 22, 1910 FDIC Certificate Number: 12531 Home Page: www.peoplesbankmagnolia.com Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm: S. Clark Fincher EVP/COO: Jill McClinton CEO/Pres: Mary L. Fowler CFO: Jonathan Baird Cash and Due from:.................................... 36,649 Federal Funds and Repos: .............................. 350 Investments: ............................................... 48,932 Net Loans: .................................................. 51,462 Premises and Fixed Assets:.......................... 1,875 Other Real Estate: ............................................. 63 Other Assets: ................................................ 2,985 Total Assets: ............................................. 142,316 Total Trust Assets: ............................................... 0 Deposits: .................................................... 96,462 Federal Funds and Borrowings: .................. 28,897 Other Liabilities: ............................................... 431 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 125,790 Total Equity Capital: .................................... 16,526 Total Liabilities and Capital: ...................... 142,316 Number of Shares Outstanding: .................. 10,000 Directors: Jonathan Baird; Clark Fincher; Dorothy J. Fincher; Mary L. Fowler; Betty Harris; Jill McClinton; J. David Scott; Laura Scott; Jamie Waller Branches in Town: One Other Branches: Waldo Ninety-Eighth Report 63 First Community Bank of Eastern Arkansas Marion, AR VOICE: (870) 739-7300 FAX: (870) 739-2234 Trust Powers: Yes 205 Block Street 72364-0747 Charter Number: 775 Date: October 8, 1998 FDIC Certificate Number: 34887 Home Page: www.firstcommunitybank.us Member of Federal Reserve System Bank Holding Company FCB Financial Services, Inc., Marion, AR Chm: Michael D. East EVP: Brenda Eldridge CEO/Pres: Donny Underwood EVP: Jack Nall Cash and Due from: ...................................... 5,890 Federal Funds and Repos: ............................ 1,750 Investments: ................................................ 22,479 Net Loans:................................................... 88,216 Premises and Fixed Assets: ................................ 0 Other Real Estate: ......................................... 4,610 Other Assets: ................................................ 5,132 Total Assets: ............................................. 128,077 Total Trust Assets: .............................................. 0 Deposits: ................................................... 113,542 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 403 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 113,945 Total Equity Capital: ....................................14,132 Total Liabilities and Capital: ....................... 128,077 Number of Shares Outstanding: ..................60,000 Directors: Michael D. East; Frank A. Fogleman; Julian Hardin; Allen B. Helms, Jr.; 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 First Delta Bank Marked Tree, AR VOICE: (870) 358-6000 FAX: (870) 358-6001 Trust Powers: No Chm: Charles Luter 214 Hester Parker Drive 72365-0635 Charter Number: 704 Date: October 31, 1951 FDIC Certificate Number: 17047 Home Page: www.firstdeltabank.com Member of Federal Reserve System Bank Holding Company Tyronza Bancshares, Inc., Marked Tree, AR CEO/Pres: Chris M. Lehman Cash and Due from: ...................................... 2,176 Federal Funds and Repos: .................................. 0 Investments: ................................................ 27,695 Net Loans:................................................... 28,927 Premises and Fixed Assets: .............................616 Other Real Estate: ..............................................60 Other Assets: ...................................................916 Total Assets: ............................................... 60,390 Total Trust Assets: .............................................. 0 Deposits: .....................................................53,618 Federal Funds and Borrowings: ....................... 825 Other Liabilities:............................................... 407 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................54,850 Total Equity Capital: ......................................5,540 Total Liabilities and Capital: .........................60,390 Number of Shares Outstanding: ....................2,000 Directors: Charles A. Banks; Chris M. Lehman; Charles F. Luter; H. F. Norcross, III; Eugene Vaughn; Lewis M. Wood Branches in Town: None Other Branches: Trumann, Tyronza 64 Arkansas State Bank Department Bank of McCrory McCrory, AR VOICE: (870) 731-2521 FAX: (870) 731-2859 Trust Powers: Yes 124 Edmonds Avenue 72101-0370 Charter Number: 128 Date: June 8, 1903 FDIC Certificate Number: 1523 Member of Federal Reserve System Bank Holding Company M. D. Thompson & Son Co., McCrory, AR CEO: Vance Thompson, III VP: Nathan Dabbs Pres: Tim St. Clair Cash and Due from:...................................... 1,283 Federal Funds and Repos: ........................... 9,500 Investments: ............................................... 34,499 Net Loans: .................................................. 31,320 Premises and Fixed Assets:............................. 592 Other Real Estate: ........................................... 488 Other Assets: ................................................ 1,260 Total Assets: ............................................... 78,942 Total Trust Assets: ............................................... 0 Deposits: .................................................... 70,603 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 198 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 70,801 Total Equity Capital: ...................................... 8,141 Total Liabilities and Capital: ........................ 78,942 Number of Shares Outstanding: .................. 20,000 Directors: Bari Cain; John D. Eldridge, III; Fletcher C. Lewis; Alan Morris; Arthur Oliver; Elden Jan Thompson; John G. Thompson; Vance M. Thompson, III Branches in Town: None Other Branches: None McGehee Bank McGehee, AR VOICE: (870) 222-3151 FAX: (870) 222-6159 Trust Powers: Yes 301 North Second Street 71654-0787 Charter Number: 661 Date: December 5, 1933 FDIC Certificate Number: 11242 Home Page: www.mcgeheebank.com Bank Holding Company Southeast Financial Bankstock Corporation, McGehee, AR Chm/CEO: William W. Bowman Pres/TO: James M. Smith VChm: John H. Potter, Jr. VP/Cash: Stephen Wilson Cash and Due from:.................................... 22,356 Federal Funds and Repos: .................................. 0 Investments: ............................................... 13,709 Net Loans: .................................................. 79,233 Premises and Fixed Assets:............................. 568 Other Real Estate: ............................................... 0 Other Assets: ................................................ 3,275 Total Assets: ............................................. 119,141 Total Trust Assets: ...................................... 68,945 Deposits: .................................................... 88,078 Federal Funds and Borrowings: .................. 13,000 Other Liabilities: ............................................ 1,051 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 102,129 Total Equity Capital: .................................... 17,012 Total Liabilities and Capital: ...................... 119,141 Number of Shares Outstanding: .................. 80,000 Directors: Lee Bowman; William W. Bowman; Bill E. Elliott; Eugene Gilliam; David S. Leech; Jeff Owyoung; John H. Potter, Jr.; James M. Smith; James N. Smith Branches in Town: One Other Branches: Arkansas City, Tillar, Watson Ninety-Eighth Report 65 The Union Bank of Mena Mena, AR VOICE: (479) 394-2211 FAX: (479) 394-8901 Trust Powers: No 303 Hwy. 71 North 71953-0898 Charter Number: 667 Date: July 25, 1934 FDIC Certificate Number: 14597 Home Page: www.unionbankofmena.com Member of Federal Reserve System Bank Holding Company Union Bankshares, Inc., Mena, AR Chm: Edward W. Stevenson EVP/CFO: Michael Myers CEO/Pres: Philip B. Hensley Cash and Due from: .................................... 25,865 Federal Funds and Repos: .................................. 0 Investments: ................................................ 14,167 Net Loans:................................................. 135,156 Premises and Fixed Assets: .......................... 4,087 Other Real Estate: ............................................132 Other Assets: ................................................ 3,243 Total Assets: ............................................. 182,650 Total Trust Assets: .............................................. 0 Deposits: ................................................... 160,397 Federal Funds and Borrowings: .....................3,028 Other Liabilities:.............................................1,590 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 165,015 Total Equity Capital: ....................................17,635 Total Liabilities and Capital: ....................... 182,650 Number of Shares Outstanding: ..................12,000 Directors: J. Richard Carver; Robert A. Carver; John A. Crawford; Philip B. Hensley; David Maddox; John Maddox; Pauline Morrow; Michael Myers; P. T. Plunkett; Edward W. Stevenson; Phillip Stevenson; Bill L. Wood Branches in Town: None Other Branches: Hatfield, Wickes Commercial Bank & Trust Company Monticello, AR VOICE: (870) 367-6221 FAX: (870) 367-7700 Trust Powers: Yes 212 West Gaines Street 71655 Charter Number: 396 Date: November 29, 1912 FDIC Certificate Number: 90 Home Page: www.commercial-bank.net Bank Holding Company Drew Bancshares, Inc., Monticello, AR Chm: Bennie F. Ryburn, Jr. Pres/COO: George T. Harris VChm: Bennie Ryburn, III SVP/TO: Rusty Smith Cash and Due from: ...................................... 9,724 Federal Funds and Repos: .................................. 0 Investments: ................................................ 48,486 Net Loans:................................................. 101,124 Premises and Fixed Assets: .......................... 1,617 Other Real Estate: ......................................... 1,823 Other Assets: ................................................ 1,670 Total Assets: ............................................. 164,444 Total Trust Assets: ...................................... 12,871 Deposits: ................................................... 146,666 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 634 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 147,300 Total Equity Capital: ....................................17,144 Total Liabilities and Capital: ....................... 164,444 Number of Shares Outstanding: ....................8,000 Directors: Joe Brannen; C. C. Gibson, III; George T. Harris; R. D. Jones, Jr.; Wayne L. Owen, Jr.; Bennie Ryburn, III; Bennie F. Ryburn, Jr.; Kim Ward Branches in Town: Four Other Branches: None 66 Arkansas State Bank Department Union Bank And Trust Company Monticello, AR VOICE: (870) 460-6400 FAX: (870) 460-6464 Trust Powers: Yes 102 West McCloy 71657-0270 Charter Number: 448 Date: September 15, 1915 FDIC Certificate Number: 1753 Home Page: www.unionbnk.com Bank Holding Company First Union Financial Corporation, Monticello, AR Chm/CEO: Zach McClendon, Jr. EVP/Cash: Reathel Privett Pres: Dave Dickson TO: Gail Hooker Cash and Due from:...................................... 6,890 Federal Funds and Repos: .................................. 0 Investments: ............................................... 49,715 Net Loans: ................................................ 124,244 Premises and Fixed Assets:.......................... 4,139 Other Real Estate: ........................................... 136 Other Assets: ................................................ 8,113 Total Assets: ............................................. 193,237 Total Trust Assets: ...................................... 29,942 Deposits: .................................................. 155,363 Federal Funds and Borrowings: .................. 16,793 Other Liabilities: ............................................ 1,435 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 173,591 Total Equity Capital: .................................... 19,646 Total Liabilities and Capital: ...................... 193,237 Number of Shares Outstanding: .................. 80,000 Directors: Mike Akin; Ted Carmical; Charles F. Dearman, Jr.; Dave Dickson; Tommy V. Maxwell; John S. McClendon; Robin McClendon; Zach McClendon, Jr.; Richard Reinhart; Virgil Trotter Branches in Town: Two Other Branches: Warren Petit Jean State Bank Morrilton, AR VOICE: (501) 354-4988 FAX: (501) 354-6560 Trust Powers: No 707 North Saint Joseph Street Charter Number: 777 72110 Date: January 27, 1999 FDIC Certificate Number: 35084 Home Page: www.pjsb.com Bank Holding Company Petit Jean Bancshares, Inc., Morrilton, AR Chm/Pres: Charles S. Penick EVP: Suzanne Hartman EVP: Mike Dunaway Cash and Due from:.................................... 24,069 Federal Funds and Repos: .................................. 0 Investments: ............................................... 58,482 Net Loans: .................................................. 68,176 Premises and Fixed Assets:.......................... 2,634 Other Real Estate: ............................................. 87 Other Assets: ................................................ 4,988 Total Assets: ............................................. 158,436 Total Trust Assets: ............................................... 0 Deposits: .................................................. 137,174 Federal Funds and Borrowings: .................... 4,450 Other Liabilities: ............................................... 679 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 142,303 Total Equity Capital: .................................... 16,133 Total Liabilities and Capital: ...................... 158,436 Number of Shares Outstanding: .................. 50,000 Directors: Hall M. Calhoun, III; Katherine Foust; Todd Haynes; Michael D. Koone; Otto Lienhart, II; John Maus, III; Charles Ormond; Charles S. Penick; Larry Wayne Smith; Stanton C. Willis Branches in Town: One Other Branches: None Ninety-Eighth Report 67 Allied Bank Mulberry, AR VOICE: (479) 997-1154 FAX: (479) 997-1161 Trust Powers: No 311 Main Street 72947-0480 Charter Number: 81 Date: January 15, 1902 FDIC Certificate Number: 91 Home Page: www.justbankit.com Member of Federal Reserve System Bank Holding Company Acme Holding Company, Inc., Mulberry, AR CEO/Pres: Alex Golden SVP/Cash: Dianna J. Millsap Cash and Due from: ...................................... 8,130 Federal Funds and Repos: ...............................125 Investments: .................................................. 4,697 Net Loans:................................................. 140,576 Premises and Fixed Assets: .......................... 5,290 Other Real Estate: ......................................... 3,224 Other Assets: ................................................ 7,320 Total Assets: ............................................. 169,362 Total Trust Assets: .............................................. 0 Deposits: ................................................... 139,400 Federal Funds and Borrowings: ...................13,000 Other Liabilities:............................................... 186 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 152,586 Total Equity Capital: ....................................16,776 Total Liabilities and Capital: ....................... 169,362 Number of Shares Outstanding: ....................4,000 Directors: Alex Golden; Randall L. Hollis, Sr.; Royce D. Jones; L. Jan Nordin Branches in Town: One Other Branches: Alma, Little Rock (3), Mansfield, Ozark, Van Buren Diamond Bank Murfreesboro, AR VOICE: (870) 285-2172 FAX: (870) 356-2858 Trust Powers: No 319 East Main 71958 Charter Number: 175 Date: December 19, 1904 FDIC Certificate Number: 1527 Home Page: www.diamondbanking.com Bank Holding Company Bainum Bancorp, Glenwood, AR Chm/CEO: Tim Bainum Pres: Ken "Mac" McClanahan Cash and Due from: .................................... 24,773 Federal Funds and Repos: ............................ 1,225 Investments: .............................................. 137,962 Net Loans:................................................. 239,106 Premises and Fixed Assets: .......................... 8,286 Other Real Estate: ......................................... 1,521 Other Assets: .............................................. 12,618 Total Assets: ............................................. 425,491 Total Trust Assets: .............................................. 0 Deposits: ................................................... 353,457 Federal Funds and Borrowings: ...................21,834 Other Liabilities:.............................................1,459 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 376,750 Total Equity Capital: ....................................48,741 Total Liabilities and Capital: ....................... 425,491 Number of Shares Outstanding: ................ 172,000 Directors: Evea Bainum; Tim Bainum; Tim Brotherton; Richard Cox; Robert Evans; John Hearnsberger; Ken "Mac" McClanahan; Larry Mitchell; Mike Moore; Harold A. Smith; George E. Steel, Jr. Branches in Town: None Other Branches: DeQueen, Dierks, Glenwood, Hope, Hot Springs (3), Mena, Mineral Springs, Mount Ida, Nashville (2) 68 Arkansas State Bank Department Merchants & Planters Bank Newport, AR VOICE: (870) 523-3601 FAX: (870) 523-3473 Trust Powers: Yes 120 Hazel 72112-0650 Charter Number: 694 Date: March 20, 1946 FDIC Certificate Number: 16464 Home Page: www.mandpbank.com Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/TO: Jim S. Gowen, Sr. SVP/CLO: Carla P. Stiger CEO/Pres: Jim S. Gowen, Jr. SVP/Cash: Patricia Davis Cash and Due from:.................................... 20,871 Federal Funds and Repos: .................................. 0 Investments: ............................................... 78,671 Net Loans: ................................................ 109,879 Premises and Fixed Assets:.......................... 5,802 Other Real Estate: ........................................... 874 Other Assets: ................................................ 8,430 Total Assets: ............................................. 224,527 Total Trust Assets: ...................................... 41,405 Deposits: .................................................. 201,228 Federal Funds and Borrowings: .................... 4,260 Other Liabilities: ............................................ 1,549 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 207,037 Total Equity Capital: .................................... 17,490 Total Liabilities and Capital: ...................... 224,527 Number of Shares Outstanding: .................... 9,000 Directors: R. M. Bledsoe; Terry L. Dillon; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Mary K. Hardin; Benjy Harris; Dr. Larry Williams Branches in Town: One Other Branches: Batesville (2), Des Arc, McCrory, Newark, Swifton, Tuckerman Delta Trust & Bank Parkdale, AR VOICE: (501) 907-2280 FAX: (501) 907-2299 Trust Powers: Yes 1853 Highway 165 South 71661-0037 Charter Number: 141 Date: February 1, 1910 FDIC Certificate Number: 92 Home Page: www.delta-trust.com Bank Holding Company Delta Trust & Banking Corporation, Little Rock, AR VChm/CEO: J. French Hill EVP/TO: Jim Shenep Pres: Chris Roberts COO: Carroll Penick Cash and Due from:.................................... 14,279 Federal Funds and Repos: ........................... 8,075 Investments: ............................................... 61,550 Net Loans: ................................................ 290,728 Premises and Fixed Assets:.......................... 3,836 Other Real Estate: ........................................ 4,542 Other Assets: .............................................. 11,336 Total Assets: ............................................. 394,346 Total Trust Assets: .................................... 688,023 Deposits: .................................................. 345,060 Federal Funds and Borrowings: .................. 11,801 Other Liabilities: ............................................... 935 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 357,796 Total Equity Capital: .................................... 36,550 Total Liabilities and Capital: ...................... 394,346 Number of Shares Outstanding: .................. 16,000 Directors: Jon Bierbaum; B. R. Brown; Mary L. Good; Dewayne Haynes; J. French Hill; Robert LaRoche; Michael Montgomery; George O'Connor; Carroll Penick; George L. Pugh, Sr.; Leyden Pugh; Chris Roberts; Jane W. Rogers; Morin M. Scott, Jr.; Neill Sloan; Philip Tappan Branches in Town: None Other Branches: Bella Vista, Eudora, Fayetteville, Hamburg, Little Rock (3), Wilmot Ninety-Eighth Report 69 Piggott State Bank Piggott, AR VOICE: (870) 598-3802 FAX: (870) 598-2026 Trust Powers: No 212 West Cherry 72454-0307 Charter Number: 613 Date: March 10, 1930 FDIC Certificate Number: 5628 Home Page: www.piggottstatebank.com Member of Federal Reserve System Bank Holding Company Piggott Bankstock, Inc., Piggott, AR Chm/CEO/Pres: Paula O. Blackwell VP/Cash: James C. Poole VP: Debra A. Mills Cash and Due from: ...................................... 3,352 Federal Funds and Repos: .................................. 0 Investments: ................................................ 46,545 Net Loans:................................................... 26,749 Premises and Fixed Assets: .............................586 Other Real Estate: ............................................... 0 Other Assets: ...................................................627 Total Assets: ............................................... 77,859 Total Trust Assets: .............................................. 0 Deposits: .....................................................67,429 Federal Funds and Borrowings: ....................... 638 Other Liabilities:............................................... 971 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................69,038 Total Equity Capital: ......................................8,821 Total Liabilities and Capital: .........................77,859 Number of Shares Outstanding: ....................4,000 Directors: Steve Bell; Paula O. Blackwell; James C. Poole Branches in Town: One Other Branches: None Home Bank of Arkansas Portland, AR VOICE: (870) 737-2236 FAX: (870) 737-2816 Trust Powers: No 113 Hwy 165 South 71663-0178 Charter Number: 251 Date: January 22, 1908 FDIC Certificate Number: 5629 Home Page: www.homebankofar.com Bank Holding Company Peoples Home Holding, Inc., Greenbrier, AR Chm/CEO/Pres: John Stacks VP: Treva Branscum CFO/VP: Bill Hannah VP: Terry Milam Cash and Due from: ...................................... 1,724 Federal Funds and Repos: ............................ 3,200 Investments: .................................................. 3,528 Net Loans:................................................... 54,158 Premises and Fixed Assets: .......................... 2,248 Other Real Estate: ......................................... 4,011 Other Assets: ................................................ 1,005 Total Assets: ............................................... 69,874 Total Trust Assets: .............................................. 0 Deposits: .....................................................62,419 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 194 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................62,613 Total Equity Capital: ......................................7,261 Total Liabilities and Capital: .........................69,874 Number of Shares Outstanding: ....................4,000 Directors: Joe Benton, III; Jerold Brock; Bill Hannah; Terry Milam; Roy Montgomery; John Stacks Branches in Town: None Other Branches: Center Ridge, Damascus, Greenbrier, Little Rock, Marshall 70 Arkansas State Bank Department Bank of Prescott Prescott, AR VOICE: (870) 887-2688 FAX: (870) 887-6822 Trust Powers: Yes East Second at Main 71857-0490 Charter Number: 162 Date: August 10, 1904 FDIC Certificate Number: 101 Home Page: www.bankofprescott.com Bank Holding Company Prescott Bancshares, Inc., Prescott, AR Chm: John Warren Brannan, Sr. EVP: Gary McCauley CEO/Pres: John Warren Brannan, Jr. Treas/Sec: Karen McLelland Cash and Due from:...................................... 1,465 Federal Funds and Repos: ........................... 1,050 Investments: ............................................... 35,426 Net Loans: .................................................. 32,545 Premises and Fixed Assets:............................. 307 Other Real Estate: ........................................... 215 Other Assets: ................................................ 1,325 Total Assets: ............................................... 72,333 Total Trust Assets: ............................................... 0 Deposits: .................................................... 58,896 Federal Funds and Borrowings: .................... 2,687 Other Liabilities: ............................................... 626 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 62,209 Total Equity Capital: .................................... 10,124 Total Liabilities and Capital: ........................ 72,333 Number of Shares Outstanding: .................. 24,000 Directors: John Warren Brannan, Sr.; John Warren Brannan, Jr.; Brad Crain; Carl Dalrymple, Jr.; Jason Gutierrez; Billy Hines; Phillip McAdams; Gary McCauley; Larry Rhodes; Robert Smith Branches in Town: None Other Branches: None The Bank of Rison Rison, AR VOICE: (870) 325-6251 FAX: (870) 325-7661 Trust Powers: No Chm: Lee Moore Pres: Don Walsh 200 Main Street 71665-0345 Charter Number: 650 Date: March 7, 1932 FDIC Certificate Number: 8730 Bank Holding Company None VP: Cliff Hopson VP/Sec: Charlene M. Freeman Cash and Due from:...................................... 9,419 Federal Funds and Repos: ........................... 2,200 Investments: ................................................. 5,213 Net Loans: .................................................. 10,486 Premises and Fixed Assets:............................. 112 Other Real Estate: ............................................... 0 Other Assets: ................................................... 504 Total Assets: ............................................... 27,934 Total Trust Assets: ............................................... 0 Deposits: .................................................... 23,742 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 12 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 23,754 Total Equity Capital: ...................................... 4,180 Total Liabilities and Capital: ........................ 27,934 Number of Shares Outstanding: .................... 4,000 Directors: Helen Hopson; Lee Moore; Frank Wilson Branches in Town: None Other Branches: None Ninety-Eighth Report 71 Parkway Bank Rogers, AR VOICE: (479) 464-9797 FAX: (479) 464-9796 Trust Powers: No 3350 Pinnacle Hills Parkway Charter Number: 57 72758 Date: April 23, 1900 FDIC Certificate Number: 20160 Home Page: www.parkway-bank.com Bank Holding Company Parkway Bankshares, Inc., Portland, AR CEO/Pres: Robert Y. Taylor CFO: Leslie Borgognoni Reg Pres: Chris Lampkin Cash and Due from: ...................................... 6,167 Federal Funds and Repos: ...............................800 Investments: ................................................ 27,187 Net Loans:................................................... 72,678 Premises and Fixed Assets: .......................... 5,034 Other Real Estate: ......................................... 3,097 Other Assets: ................................................ 3,322 Total Assets: ............................................. 118,285 Total Trust Assets: .............................................. 0 Deposits: .....................................................91,440 Federal Funds and Borrowings: ...................12,600 Other Liabilities:............................................... 577 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 104,617 Total Equity Capital: ....................................13,668 Total Liabilities and Capital: ....................... 118,285 Number of Shares Outstanding: ..................20,000 Directors: Chris Lampkin; Michael J. Necessary; Benton Newcome; Joel Newcome; Eddie Scherm; Robert Y. Taylor Branches in Town: None Other Branches: Crossett, Monticello, Portland Pinnacle Bank Rogers, AR VOICE: (479) 619-2000 FAX: (479) 619-2701 Trust Powers: No 4201 W. New Hope Road, Suite 101 Charter Number: 145 72758 Date: October 31, 1903 FDIC Certificate Number: 11256 Home Page: www.pinnaclebk.com Bank Holding Company Pinnacle Bancshares, Inc., Rogers, AR Chm/CEO: Wade Ruckle Pres: David Bordousky Cash and Due from: .........................................244 Federal Funds and Repos: ............................ 1,496 Investments: ................................................ 13,429 Net Loans:................................................... 55,399 Premises and Fixed Assets: .............................162 Other Real Estate: ....................................... 13,705 Other Assets: ................................................ 1,831 Total Assets: ............................................... 86,266 Total Trust Assets: .............................................. 0 Deposits: .....................................................68,678 Federal Funds and Borrowings: .....................5,951 Other Liabilities:............................................... 338 Subordinated Debt: .......................................2,000 Total Liabilities: ...........................................76,967 Total Equity Capital: ......................................9,299 Total Liabilities and Capital: .........................86,266 Number of Shares Outstanding: ................ 225,264 Directors: David Estes; Guy Fisher; Thomas Garrison; Clarence Guinn; Bruce Loftin; Wade Ruckle; Alan L. Sharp; Ralph Vernetti Branches in Town: None Other Branches: None Arkansas State Bank Department 72 Simmons First Bank of Northwest Arkansas Rogers, AR VOICE: (479) 246-0781 FAX: (479) 246-9354 Trust Powers: Yes 3975 West New Hope Road 72758 Charter Number: 672 Date: July 8, 1935 FDIC Certificate Number: 15233 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO: Thomas W. Spillyards SVP/SLO: Jeremy Woody Pres: Dennis Ferguson VP/Cash: Darlene Cheatham Cash and Due from:.................................... 20,513 Federal Funds and Repos: .................................. 0 Investments: ............................................... 60,050 Net Loans: ................................................ 129,458 Premises and Fixed Assets:........................ 13,323 Other Real Estate: ...................................... 14,263 Other Assets: .............................................. 12,262 Total Assets: ............................................. 249,869 Total Trust Assets: ............................................... 0 Deposits: .................................................. 201,743 Federal Funds and Borrowings: .................... 8,424 Other Liabilities: ............................................ 2,188 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 212,355 Total Equity Capital: .................................... 37,514 Total Liabilities and Capital: ...................... 249,869 Number of Shares Outstanding: .................. 18,000 Directors: David Bartlett; Dennis Ferguson; Charles Clark Irwin; Sonya Jones; Nick Nabholz; Thomas W. Spillyards; Jim Tull Branches in Town: One Other Branches: Bella Vista, Bentonville, Fayetteville, Lincoln, Prairie Grove, Siloam Springs, Springdale (2) First State Bank Russellville, AR VOICE: (479) 498-2400 FAX: (479) 498-2465 Trust Powers: No 3103 East Main 72802 Charter Number: 663 Date: January 12, 1934 FDIC Certificate Number: 13632 Home Page: www.fsbmybank.com Bank Holding Company First State Banking Corporation, Russellville, AR Chm/CEO: Charles Blanchard EVP: Chip Blanchard Pres: Johnny K. Morgan EVP: Toni B. Laws Cash and Due from:.................................... 17,602 Federal Funds and Repos: .................................. 0 Investments: ............................................... 18,896 Net Loans: ................................................ 131,922 Premises and Fixed Assets:.......................... 6,399 Other Real Estate: ........................................ 1,800 Other Assets: ................................................ 7,133 Total Assets: ............................................. 183,752 Total Trust Assets: ............................................... 0 Deposits: .................................................. 152,809 Federal Funds and Borrowings: .................... 9,317 Other Liabilities: ............................................... 826 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 162,952 Total Equity Capital: .................................... 20,800 Total Liabilities and Capital: ...................... 183,752 Number of Shares Outstanding: .................. 20,000 Directors: Patty Barker; James C. Biggers; Charles Blanchard; Charles B. "Chip" Blanchard; Terry Freeman; Maxie L. Mathis, III; Mike Miller; Johnny K. Morgan; George Tippin; C. Tim White; Charles Wilson; Phil Wright Branches in Town: Four Other Branches: Ola Ninety-Eighth Report 73 Simmons First Bank of Russellville Russellville, AR VOICE: (479) 967-8000 FAX: (479) 968-6491 Trust Powers: Yes 800 North Arkansas Avenue Charter Number: 192 72801 Date: September 29, 1905 FDIC Certificate Number: 13081 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO: Ronald B. Jackson Reg Pres: Denton Tumbleson Reg Pres: Scott Hill VP: Tonya Hurley Cash and Due from: .................................... 26,240 Federal Funds and Repos: .................................. 0 Investments: ................................................ 48,597 Net Loans:................................................... 97,595 Premises and Fixed Assets: .......................... 4,101 Other Real Estate: ............................................238 Other Assets: .............................................. 22,579 Total Assets: ............................................. 199,350 Total Trust Assets: .............................................. 0 Deposits: ................................................... 147,496 Federal Funds and Borrowings: .....................7,901 Other Liabilities:.............................................6,708 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 162,105 Total Equity Capital: ....................................37,245 Total Liabilities and Capital: ....................... 199,350 Number of Shares Outstanding: ....................1,500 Directors: Leon Anderson; Terry Bowie; Keith Cogswell; Ronald B. Jackson; Ike Allen Laws, III; Ed R. Stingley, III; Harve Taylor Branches in Town: Two Other Branches: Clarksville (2) Bank of Salem Salem, AR VOICE: (870) 895-2591 FAX: (870) 895-3825 Trust Powers: No 207 West Church Street 72576-0338 Charter Number: 266 Date: December 9, 1908 FDIC Certificate Number: 11243 Home Page: www.bksalem.net Member of Federal Reserve System Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm/CEO/Pres: Mark Montgomery SVP: Mike Falco Cash and Due from: ...................................... 6,901 Federal Funds and Repos: ............................ 5,255 Investments: .................................................. 2,848 Net Loans:................................................. 105,194 Premises and Fixed Assets: .......................... 1,781 Other Real Estate: ......................................... 1,844 Other Assets: ................................................ 6,811 Total Assets: ............................................. 130,634 Total Trust Assets: .............................................. 0 Deposits: ................................................... 111,294 Federal Funds and Borrowings: .....................3,179 Other Liabilities:.............................................1,594 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 116,067 Total Equity Capital: ....................................14,567 Total Liabilities and Capital: ....................... 130,634 Number of Shares Outstanding: ..................20,000 Directors: D. Karrol Fowlkes; Mark Montgomery; C. Dwayne Plumlee; James "Jim" Short; Guy R. "Buck" Smith; John Ed Welch Branches in Town: None Other Branches: Mammoth Spring, Viola 74 Arkansas State Bank Department Logan County Bank Scranton, AR VOICE: (479) 938-2511 FAX: (479) 938-7084 Trust Powers: No Chm: Joe Fritsche CEO/Pres: Gary Fritsche 600 Main Street 72863-0085 Charter Number: 578 Date: April 7, 1926 FDIC Certificate Number: 5632 Bank Holding Company None VP: Jerry L. Davis Cash: Don Fritsche Cash and Due from:...................................... 3,559 Federal Funds and Repos: .............................. 750 Investments: ............................................... 45,500 Net Loans: .................................................. 22,543 Premises and Fixed Assets:............................. 429 Other Real Estate: ............................................... 0 Other Assets: ................................................... 858 Total Assets: ............................................... 73,639 Total Trust Assets: ............................................... 0 Deposits: .................................................... 60,214 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 290 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 60,504 Total Equity Capital: .................................... 13,135 Total Liabilities and Capital: ........................ 73,639 Number of Shares Outstanding: .................... 4,000 Directors: Eddie Ahne; Gary Fritsche; Joe Fritsche; Mildred Fritsche; Ronnie Layes Branches in Town: None Other Branches: Subiaco First Security Bank Searcy, AR VOICE: (501) 279-3400 FAX: (501) 279-3486 Trust Powers: Yes 314 North Spring 72145-1009 Charter Number: 649 Date: February 6, 1932 FDIC Certificate Number: 5633 Home Page: www.fsbank.com Bank Holding Company First Security Bancorp, Searcy, AR Chm/CEO: Reynie Rutledge EVP: J. Mark Ferguson Pres: Michael C. Hutsell TO: Frank Faust Cash and Due from:.................................. 107,678 Federal Funds and Repos: ....................... 133,125 Investments: .......................................... 2,164,211 Net Loans: ............................................. 1,603,352 Premises and Fixed Assets:........................ 83,293 Other Real Estate: ...................................... 24,423 Other Assets: .............................................. 91,598 Total Assets: .......................................... 4,207,680 Total Trust Assets: .................................... 605,199 Deposits: ............................................... 3,252,212 Federal Funds and Borrowings: ................ 436,174 Other Liabilities: .......................................... 27,273 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 3,715,659 Total Equity Capital: .................................. 492,021 Total Liabilities and Capital: ................... 4,207,680 Number of Shares Outstanding: .................. 24,000 Directors: Dr. David Burks; Mark Ferguson; Michael C. Hutsell; Steve Lightle; John McKnight; Wayne Ridout; Dr. Porter R. Rodgers, Jr.; Reynie Rutledge; William Scholl; Jim Tarkington; James G. Wilson Branches in Town: Three Other Branches: Beebe (3), Bella Vista, Benton (3), Bentonville, Bryant (3), Bull Shoals, Cabot (3), Clarksville (4), Clinton, Coal Hill, Conway (6), Fayetteville (5), Gassville, Greenbrier, Griffithville, Heber Springs (2), Jonesboro (2), Judsonia, Little Rock (6), Lowell, Maumelle, Mayflower, McRae, Mountain Home (4), Mountain View, North Little Rock (2), Pangburn (2), Rogers (3), Springdale (5), Vilonia Ninety-Eighth Report 75 Simmons First Bank of Searcy Searcy, AR VOICE: (501) 268-7575 FAX: (501) 268-1551 Trust Powers: No 401 South Main 72143 Charter Number: 528 Date: February 17, 1922 FDIC Certificate Number: 12696 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Brooks Davis VP: Kelley Burton SVP: Matt Boyol Cash and Due from: .................................... 20,439 Federal Funds and Repos: .................................. 0 Investments: ................................................ 24,469 Net Loans:................................................... 95,405 Premises and Fixed Assets: .......................... 3,915 Other Real Estate: ............................................... 0 Other Assets: ................................................ 9,112 Total Assets: ............................................. 153,340 Total Trust Assets: .............................................. 0 Deposits: ................................................... 117,661 Federal Funds and Borrowings: ...................14,463 Other Liabilities:.............................................2,192 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 134,316 Total Equity Capital: ....................................19,024 Total Liabilities and Capital: ....................... 153,340 Number of Shares Outstanding: ..................10,000 Directors: David Bartlett; Richard Cargile; Brooks Davis; Dennis Donovan; Joseph Giezeman; David E. Johnston; Robert Underwood Branches in Town: Two Other Branches: Beebe Peoples Bank Sheridan, AR VOICE: (870) 942-5707 FAX: (870) 942-2489 Trust Powers: No 1120 S. Rock Street 72150 Charter Number: 786 Date: September 11, 2000 FDIC Certificate Number: 57058 Home Page: www.peoplesbankar.com Member of Federal Reserve System Bank Holding Company None CEO/Pres: John D. Manatt SVP: G. Jannette Jones EVP: Craig L. Manatt Cash and Due from: ...................................... 6,353 Federal Funds and Repos: .................................. 0 Investments: ................................................ 42,672 Net Loans:................................................... 58,925 Premises and Fixed Assets: .......................... 2,614 Other Real Estate: ............................................212 Other Assets: ................................................ 2,537 Total Assets: ............................................. 113,313 Total Trust Assets: .............................................. 0 Deposits: .....................................................97,634 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 487 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................98,121 Total Equity Capital: ....................................15,192 Total Liabilities and Capital: ....................... 113,313 Number of Shares Outstanding: ..................56,562 Directors: Dannie L. Brown; Donald L. Hedden; Gary D. Hines; Bobby G. Jeffrey; James W. Lancaster; Craig L. Manatt; John D. Manatt; Mary Mel Nixon; Shelby L. Taylor; Alvin L. Upton; David L. Wells; W. A. Winston Branches in Town: None Other Branches: Little Rock 76 Arkansas State Bank Department Smackover State Bank Smackover, AR VOICE: (870) 725-3051 FAX: (870) 725-3049 Trust Powers: Yes 708 North Broadway 71762-0107 Charter Number: 600 Date: April 18, 1928 FDIC Certificate Number: 5623 Home Page: www.smackoverbank.com 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:...................................... 3,985 Federal Funds and Repos: ......................... 17,175 Investments: ............................................... 94,887 Net Loans: .................................................. 68,490 Premises and Fixed Assets:.......................... 2,452 Other Real Estate: ............................................. 52 Other Assets: ................................................ 1,229 Total Assets: ............................................. 188,270 Total Trust Assets: ........................................ 2,227 Deposits: .................................................. 167,829 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 876 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 168,705 Total Equity Capital: .................................... 19,565 Total Liabilities and Capital: ...................... 188,270 Number of Shares Outstanding: ................ 100,000 Directors: Dr. Richard Davis; Gary deYampert; J. Drew Tennyson; 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 Trust Powers: No Commerce & Main Streets 71763-0127 Charter Number: 457 Date: September 19, 1916 FDIC Certificate Number: 93 Home Page: www.riversidebanc.com Bank Holding Company Riverside Bancshares, Inc., Little Rock, AR CEO/VChm: Stephen C. Davis Pres: Robert G. Dudley, Jr. Cash and Due from:......................................... 986 Federal Funds and Repos: ........................... 2,275 Investments: .................................................... 989 Net Loans: .................................................. 48,333 Premises and Fixed Assets:.......................... 2,322 Other Real Estate: ........................................... 454 Other Assets: ................................................ 1,649 Total Assets: ............................................... 57,008 Total Trust Assets: ............................................... 0 Deposits: .................................................... 50,752 Federal Funds and Borrowings: .................... 1,000 Other Liabilities: ................................................. 91 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 51,843 Total Equity Capital: ...................................... 5,165 Total Liabilities and Capital: ........................ 57,008 Number of Shares Outstanding: .................... 3,000 Directors: Stephen C. Davis; Robert G. Dudley, Jr.; Charles T. Gaston; David Matchet; Donny White Branches in Town: None Other Branches: Little Rock Ninety-Eighth Report 77 Bodcaw Bank Stamps, AR VOICE: (870) 533-4486 FAX: (870) 533-4456 Trust Powers: No Chm: J. Paul Nipper Pres/Sec: Scott Hultberg 307 Thomas Street 71860-0008 Charter Number: 106 Date: December 8, 1902 FDIC Certificate Number: 5624 Bank Holding Company Bodcaw Bancshares, Inc., Stamps, AR Cash: Brenda Scroggins Cash and Due from: ...................................... 5,648 Federal Funds and Repos: ............................ 3,675 Investments: ................................................ 42,131 Net Loans:................................................... 25,590 Premises and Fixed Assets: ...............................67 Other Real Estate: ..............................................30 Other Assets: ...................................................730 Total Assets: ............................................... 77,871 Total Trust Assets: .............................................. 0 Deposits: .....................................................70,547 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 554 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................71,101 Total Equity Capital: ......................................6,770 Total Liabilities and Capital: .........................77,871 Number of Shares Outstanding: ..................10,000 Directors: Charles L. Cabe, Jr.; D. Copie Dickson; Scott Hultberg; Billie Nipper; J. Paul Nipper; Danny K. Smith; John W. Smith, Jr. Branches in Town: None Other Branches: None Bank of Star City Star City, AR VOICE: (870) 628-4286 FAX: (870) 628-5274 Trust Powers: No 116 North Lincoln 71667-0069 Charter Number: 567 Date: April 27, 1925 FDIC Certificate Number: 5634 Home Page: www.bankofstarcity.com Member of Federal Reserve System Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Bennie F. Ryburn, Jr. Pres: R. Mark Owen Cash and Due from: ...................................... 4,046 Federal Funds and Repos: .................................. 0 Investments: ................................................ 34,410 Net Loans:................................................... 60,425 Premises and Fixed Assets: .......................... 3,229 Other Real Estate: ............................................564 Other Assets: ................................................ 1,560 Total Assets: ............................................. 104,234 Total Trust Assets: .............................................. 0 Deposits: .....................................................84,067 Federal Funds and Borrowings: .....................7,240 Other Liabilities:............................................... 200 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................91,507 Total Equity Capital: ....................................12,727 Total Liabilities and Capital: ....................... 104,234 Number of Shares Outstanding: ..................15,000 Directors: Keith D. Griffin; Tommy L. Lively; Lucille Ollar; R. Mark Owen; Bennie F. Ryburn, Jr.; Marion Ryburn; Kevin White Branches in Town: None Other Branches: Dumas, Pine Bluff (2), White Hall Arkansas State Bank Department 78 Security Bank Stephens, AR VOICE: (870) 786-5416 FAX: (870) 786-5419 Trust Powers: No 105 Ruby Street 71764-0007 Charter Number: 692 Date: February 8, 1946 FDIC Certificate Number: 16395 Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm: Carol Reaves EVP: Duncan Grayson CEO/Pres: Guy R. "Buck" Smith EVP/CFO/COO: Cheryl Brown Cash and Due from:...................................... 2,660 Federal Funds and Repos: .............................. 150 Investments: ................................................. 7,452 Net Loans: .................................................. 35,926 Premises and Fixed Assets:.......................... 1,801 Other Real Estate: ........................................... 338 Other Assets: ................................................ 2,201 Total Assets: ............................................... 50,528 Total Trust Assets: ............................................... 0 Deposits: .................................................... 45,148 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 1,174 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 46,322 Total Equity Capital: ...................................... 4,206 Total Liabilities and Capital: ........................ 50,528 Number of Shares Outstanding: .................. 11,000 Directors: Duncan Grayson; Carol Reaves; Guy R. "Buck" Smith; 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 Trust Powers: Yes 708 S. Main Street 72160-1016 Charter Number: 687 Date: December 29, 1944 FDIC Certificate Number: 16216 Home Page: www.mebanking.com Member of Federal Reserve System Bank Holding Company The Farmers and Merchants Bankshares, Inc., Stuttgart, AR Chm: Roy O. McCollum, III CEO/Pres: Gary Hudson Cash and Due from:.................................... 11,463 Federal Funds and Repos: .................................. 1 Investments: ............................................. 183,616 Net Loans: ................................................ 366,035 Premises and Fixed Assets:.......................... 5,855 Other Real Estate: ........................................ 9,638 Other Assets: .............................................. 42,245 Total Assets: ............................................. 618,853 Total Trust Assets: ...................................... 69,690 Deposits: .................................................. 476,664 Federal Funds and Borrowings: .................. 51,360 Other Liabilities: ............................................ 4,574 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 532,598 Total Equity Capital: .................................... 86,255 Total Liabilities and Capital: ...................... 618,853 Number of Shares Outstanding: ................ 100,000 Directors: Gerald Carter; Greg Connell; 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: Bigelow, Des Arc, DeValls Bluff, DeWitt, Hazen, Marianna, Moro, Morrilton, Perryville Ninety-Eighth Report 79 Citizens Bank & Trust Company Van Buren, AR VOICE: (479) 474-1201 FAX: (479) 410-1340 Trust Powers: Yes 3110 Alma Hwy. 72956-0469 Charter Number: 328 Date: December 20, 1910 FDIC Certificate Number: 8738 Home Page: www.cbankandtrust.com Member of Federal Reserve System Bank Holding Company First Bank Corp., Fort Smith, AR CEO/Pres: D. Keith Hefner SVP: Joe Dan Stewart EVP: Lance L. Lanier TO: Cindy Winborn Cash and Due from: ...................................... 9,965 Federal Funds and Repos: .................................. 0 Investments: .............................................. 112,639 Net Loans:................................................. 225,033 Premises and Fixed Assets: .......................... 4,225 Other Real Estate: ......................................... 3,015 Other Assets: .............................................. 11,558 Total Assets: ............................................. 366,435 Total Trust Assets: ........................................ 7,679 Deposits: ................................................... 323,443 Federal Funds and Borrowings: .....................2,506 Other Liabilities:.............................................2,185 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 328,134 Total Equity Capital: ....................................38,301 Total Liabilities and Capital: ....................... 366,435 Number of Shares Outstanding: ..................16,000 Directors: Jimmy G. Bell; Warren D. Blaylock; Mont S. Echols, Jr.; Morril H. Harriman; D. Keith Hefner; L. Scott McBrayer; Brett D. Peters; Paul D. Shirley; William W. Thomas; James G. Williamson, Jr. Branches in Town: Three Other Branches: Alma, Mountainburg First Community Bank of Crawford County Van Buren, AR VOICE: (479) 471-5400 FAX: (479) 471-5404 Trust Powers: No 2925 Alma Highway, Suite A Charter Number: 784 72956 Date: July 7, 2000 FDIC Certificate Number: 35573 Home Page: www.firstcommunity-bank.com Bank Holding Company Ashley Bancstock Company, Crossett, AR Chm: Eddie Holt VP/Cash: Alisa Kelly CEO/Pres: Jim Fincher Cash and Due from: ...................................... 2,703 Federal Funds and Repos: ............................ 4,675 Investments: .................................................. 6,744 Net Loans:................................................... 69,934 Premises and Fixed Assets: .......................... 4,103 Other Real Estate: ......................................... 3,485 Other Assets: ................................................ 5,606 Total Assets: ............................................... 97,250 Total Trust Assets: .............................................. 0 Deposits: .....................................................82,381 Federal Funds and Borrowings: .....................3,952 Other Liabilities:............................................... 395 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................86,728 Total Equity Capital: ....................................10,522 Total Liabilities and Capital: .........................97,250 Number of Shares Outstanding: ..................52,840 Directors: Jim Fincher; John Hall; Tim Hodges; Richard Hodo; Eddie Holt; Clovis Satterfield Branches in Town: One Other Branches: Alma 80 Arkansas State Bank Department First State Bank of Warren Warren, AR VOICE: (870) 226-2601 FAX: (870) 226-2253 Trust Powers: Yes 104 S. Main Street 71671-0029 Charter Number: 739 Date: December 12, 1978 FDIC Certificate Number: 94 Home Page: www.firststatewarren.com Bank Holding Company Bradley Bancshares, Inc., Warren, AR Chm/CEO: Bennie Ryburn, Jr. EVP/TO: Hugh Quimby Pres: Freddie M. Mobley Cash and Due from:.................................... 10,830 Federal Funds and Repos: .................................. 0 Investments: ............................................... 48,008 Net Loans: .................................................. 43,332 Premises and Fixed Assets:.......................... 1,240 Other Real Estate: ............................................. 89 Other Assets: ................................................... 913 Total Assets: ............................................. 104,412 Total Trust Assets: ........................................ 1,239 Deposits: .................................................... 92,712 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 321 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 93,033 Total Equity Capital: .................................... 11,379 Total Liabilities and Capital: ...................... 104,412 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.; 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 Trust Powers: Yes 201 South Main 71671-0350 Charter Number: 80 Date: December 28, 1901 FDIC Certificate Number: 81 Home Page: www.warrenbanktrust.com Member of Federal Reserve System Bank Holding Company None Chm/Pres: John B. Frazer, Jr. SVP/CLO: Kelly Ashcraft SVP/CFO/COO/TO: Hunter W. Johnson SVP/Cash: James E. Smith Cash and Due from:...................................... 5,462 Federal Funds and Repos: .................................. 0 Investments: ............................................... 82,032 Net Loans: .................................................. 49,091 Premises and Fixed Assets:............................. 869 Other Real Estate: ........................................... 137 Other Assets: ................................................ 1,778 Total Assets: ............................................. 139,369 Total Trust Assets: ...................................... 23,965 Deposits: .................................................. 111,808 Federal Funds and Borrowings: .................... 4,489 Other Liabilities: ............................................... 184 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 116,481 Total Equity Capital: .................................... 22,888 Total Liabilities and Capital: ...................... 139,369 Number of Shares Outstanding: .................. 48,000 Directors: Bruce Anderson; Dr. Donnie R. Bryant; Gerald Burton; Carlton E. Davis; Lawrence H. Derby, Jr.; John B. Frazer, Jr.; Dr. Rocky K. Lindsey; Jeffrey B. McGaha; Dr. Kerry F. Pennington Branches in Town: Two Other Branches: Hermitage Ninety-Eighth Report 81 Evolve Bank & Trust West Memphis, AR VOICE: (901) 624-5500 FAX: (901) 624-5540 Trust Powers: Yes 301 Shoppingway Boulevard 72301-1719 Charter Number: 568 Date: June 5, 1925 FDIC Certificate Number: 1299 Home Page: www.getevolved.com Member of Federal Reserve System Bank Holding Company Evolve Bancorp, Inc., West Memphis, AR Chm: Scot Lenoir EVP: Kenneth Lenoir CEO/Pres: Scott Stafford EVP/COO: John Chandler Cash and Due from: ...................................... 1,983 Federal Funds and Repos: ...............................516 Investments: ................................................ 21,730 Net Loans:................................................. 215,146 Premises and Fixed Assets: .......................... 3,436 Other Real Estate: ............................................148 Other Assets: .............................................. 10,447 Total Assets: ............................................. 253,406 Total Trust Assets: .................................... 421,110 Deposits: ................................................... 179,526 Federal Funds and Borrowings: ...................44,875 Other Liabilities:.............................................5,654 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 230,055 Total Equity Capital: ....................................23,351 Total Liabilities and Capital: ....................... 253,406 Number of Shares Outstanding: ..................68,286 Directors: Donald Clanton; Lewis Holland; Forrest N. Jenkins; Scot Lenoir; Lon Magness; John T. Pitts, Jr.; W. Scott Stafford; Stephen Valentine Branches in Town: None Other Branches: Brinkley, Cordova[TN], Memphis[TN], Parkin, Wynne Cross County Bank Wynne, AR VOICE: (870) 238-8171 FAX: (870) 238-4052 Trust Powers: Yes 1 Cross County Plaza 72396-0009 Charter Number: 25 Date: June 5, 1891 FDIC Certificate Number: 13821 Home Page: www.crosscountybank.com Member of Federal Reserve System Bank Holding Company Cross County Bancshares, Inc., Wynne, AR Chm: Dr. Willard G. Burks SVP/CFO: Beth Dildine CEO/Pres/TO: David Dowd SVP/CLO: Jack Runsick Cash and Due from: ...................................... 8,859 Federal Funds and Repos: .................................. 0 Investments: ................................................ 20,453 Net Loans:................................................. 135,354 Premises and Fixed Assets: .......................... 4,875 Other Real Estate: ......................................... 5,384 Other Assets: ................................................ 3,147 Total Assets: ............................................. 178,072 Total Trust Assets: ........................................ 9,193 Deposits: ................................................... 155,943 Federal Funds and Borrowings: ....................... 771 Other Liabilities:................................................ -17 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 156,697 Total Equity Capital: ....................................21,375 Total Liabilities and Capital: ....................... 178,072 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, Jonesboro REPORT OF THE STATE CHARTERED NON-PROFIT ORGANIZATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2012 Ninety-Eighth Report 83 Arkansas Capital Corporation Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Trust Powers: No 200 River Market Avenue, Suite 400 72201-1766 Charter Number: 1006 Date: August 6, 1958 Home Page: www.arcapital.com Chm: Rush Deacon CEO: C. Sam Walls Pres: Dennis Cooper EVP: Jay W. Wisener Cash and Due from: ...................................... 4,650 Federal Funds and Repos: .................................. 0 Investments: .................................................. 5,389 Net Loans:................................................... 38,115 Premises and Fixed Assets: .......................... 1,095 Other Real Estate: ............................................148 Other Assets: ................................................ 1,501 Total Assets: ............................................... 50,898 Total Trust Assets: .............................................. 0 Deposits: ............................................................. 0 Federal Funds and Borrowings: ...................42,852 Other Liabilities:.............................................2,349 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................45,201 Total Equity Capital: ......................................5,697 Total Liabilities and Capital: .........................50,898 Number of Shares Outstanding: ....................1,077 Directors: Orville E. Abrams; John W. Ahlen; Bill Holmes, Charles Cervantes; Brad Chambless; Dennis Cooper; Rush B. Deacon; Mac Dodson; Bill Holmes; Virgil L. Miller, Jr.; David H. Shindler; William T. Staed; Kathy Struckman; Grant Tennille; C. Sam Walls Branches in Town: None Other Branches: Fayetteville, Jonesboro REPORT OF TRUST COMPANIES (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2012 Ninety-Eighth Report 85 Centennial Trust Company Conway, AR VOICE: (501) 520-3660 FAX: (501) 520-3667 Population: 43,167 719 Harkrider, Suite 100 72032 Charter Number: 35000 Date: May. 22, 2001 County: Faulkner Pres: Randy Mayor Directors: Robert F. Birch, Jr.; Tracy M. French; Randy Mayor; C. Randall Sims Branches in Town: One Other Branches: El Dorado Community First Trust Company Hot Springs, AR VOICE: (501) 520-3660 FAX: (501) 520-3667 Population: 35,750 CEO/Pres: William L. Kerst, Jr. 135 Section Line Road, C-1 71913 Charter Number: 35001 Date: Jun. 17, 1998 County: Garland CFO: Leslie Ballentine Directors: Charlotte Arnold, CPA; Robert J. Bruce; Mark Buhrow; Gerald A. Burgener; David French; William L. Kerst, Jr.; Ralph Woodruff Branches in Town: None Other Branches: El Dorado, Hot Springs Village, Little Rock, Russellville REPORT OF THE REGIONAL/COUNTY INDUSTRIAL DEVELOPMENT CORPORATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2012 Ninety-Eighth Report 87 Perry County Industrial Development Corporation Perryville, AR VOICE: (501) 889-2621 FAX: (501) 889-2966 Pres: Mark Roland VP: John C. Branscum P. O. Box 869 72126-0869 Charter Number: 30003 Date: Aug. 18, 1994 County: Perry Treas: Janice Moore REPORT OF THE CAPITAL DEVELOPMENT COMPANY (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2012 Ninety-Eighth Report 89 Commerce Capital Development Company, LLC Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Pres: C. Sam Walls 200 Rivermarket Avenue, Suite 400 72201 Charter Number: 45001 Date: Aug. 28, 2003 County: Pulaski Sec: Sam Walls, III 90 Arkansas State Bank Department LIST OF COMMERCIAL BANKS BY COUNTY AND MAP OF ARKANSAS COUNTIES JUNE 30, 2012 Ninety-Eighth Report 91 COUNTY BANK CITY Arkansas Arkansas County Bank DeWitt Bank And Trust Company The Farmers and Merchants Bank Ashley First National Bank of Crossett First State Bank Farmers Bank Delta Trust & Bank Home Bank of Arkansas Baxter First National Bank and Trust Company Benton Decatur State Bank Bank of Gravett Parkway Bank Pinnacle Bank Simmons First Bank of Northwest Arkansas Decatur Gravette Rogers Rogers Rogers Boone Community First Bank Harrison Bradley First State Bank of Warren Warren Bank and Trust Company Calhoun First Bank Carroll The First National Bank of Berryville Cornerstone Bank 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 Southern Bancorp Bank Summit Bank Arkadelphia Arkadelphia Clay Piggott State Bank Piggott Cleveland The Bank of Rison Rison Columbia Farmers Bank and Trust Company The Peoples Bank Magnolia Magnolia Conway Petit Jean State Bank Morrilton Craighead Heritage Bank, National Association Liberty Bank of Arkansas Simmons First Bank of Jonesboro DeWitt DeWitt Stuttgart Crossett Crossett Hamburg Parkdale Portland Mountain Home Warren Warren Hampton Jonesboro Jonesboro Jonesboro Arkansas State Bank Department 92 COUNTY BANK CITY Crawford Allied Bank Citizens Bank & Trust Company First Community Bank of Crawford County Crittenden First Community Bank of Eastern Arkansas Evolve Bank & Trust Fidelity National Bank Cross 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 Centennial Bank First Service Bank Conway Greenbrier Fulton Bank of Salem Garland First National Bank Hot Springs Bank & Trust Company Simmons First Bank of Hot Springs Grant Peoples Bank Greene First National Bank Hot Spring The Malvern National Bank Independence The Citizens Bank First Community Bank Izard The First National Bank of Izard County Jackson Merchants & Planters Bank Jefferson Pine Bluff National Bank Simmons First National Bank Lafayette Community State Bank Bodcaw Bank Mulberry Van Buren Van Buren Marion West Memphis West Memphis Wynne Wynne Salem Hot Springs Hot Springs Hot Springs Sheridan Paragould Malvern Batesville Batesville Calico Rock Newport Pine Bluff Pine Bluff Bradley Stamps Ninety-Eighth Report 93 COUNTY BANK CITY Lawrence The First National Bank of Lawrence County Lincoln Bank of Star City Logan First Western Bank The First National Bank at Paris Logan County Bank Lonoke Bank of England First State Bank Madison First State Bank of Northwest Arkansas Marion Twin Lakes Community Bank Mississippi Farmers Bank And Trust Company Blytheville Monroe The Merchants and Planters Bank Clarendon Nevada Bank of Prescott Prescott Ouachita Bank of Bearden Security Bank Bearden Stephens Phillips Helena National Bank Pike Bank of Delight Diamond Bank Delight Murfreesboro Poinsett Little River Bank First Delta Bank Lepanto Marked Tree Polk The Union Bank of Mena Pope First State Bank Simmons First Bank of Russellville Pulaski First Arkansas Bank & Trust Bank of Little Rock Bank of the Ozarks The Capital Bank Central Bank Eagle Bank & Trust Company Metropolitan National Bank One Bank & Trust, National Association National Bank of Arkansas in North Little Rock Walnut Ridge Star City Booneville Paris Scranton England Lonoke Huntsville Flippin Helena Mena Russellville Russellville Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock North Little Rock Arkansas State Bank Department 94 COUNTY BANK CITY Saline Heartland Community Bank Sebastian The First National Bank of Fort Smith Farmers Bank Sevier First State Bank of DeQueen Horatio State Bank 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 Ozark Heritage Bank, National Association Union First Financial Bank Simmons First Bank of El Dorado Smackover State Bank El Dorado El Dorado Smackover Washington Arvest Bank The Bank of Fayetteville Signature Bank of Arkansas Legacy National Bank Fayetteville Fayetteville Fayetteville Springdale White Citizens State Bank First Security Bank Simmons First Bank of Searcy Woodruff The Bank of Augusta Bank of McCrory Yell Chambers Bank River Town Bank Bryant Fort Smith Greenwood Forrest City Forrest City Mountain View Bald Knob Searcy Searcy Augusta McCrory Danville Dardanelle Ninety-Eighth Report MAP OF ARKANSAS COUNTIES 95 ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2012 Ninety-Eighth Report 97 Southern Bancorp Inc. Arkadelphia, AR RSSD Number: 1248939 VOICE: (870) 246-3945 FAX: (870) 246-2182 605 Main, Suite 202 71923-6037 CEO: Walter Smiley Subsidiaries: Southern Bancorp Bank Southern Development Capital Trust Southern Development Statutory Trust III Southern Development Statutory Trust IV Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Summit Bancorp, Inc. Arkadelphia, AR RSSD Number: 2618388 VOICE: (870) 246-8070 FAX: (870) 246-7122 409 Main Street P. O. Box 965 71923 Chm/CEO: Ross M. Whipple Pres/COO: Marcus J. McCain EVP/CFO: Brent Black EVP/CAO: John A. Bryant Subsidiaries: Summit Bank Summit Real Estate Investments, Inc. Arkadelphia, AR Arkadelphia, AR Citizens State Bankshares of Bald Knob, Inc. Bald Knob, AR RSSD Number: 1096822 VOICE: (501) 724-3241 FAX: (501) 724-5985 Chm/CEO/Pres: Larry E. Kircher Subsidiaries: Citizens State Bank Citizens State Investments, Inc. 306 South Elm Street P. O. Box 200 72010-0200 VChm/Sec: Molly H. Kircher Bald Knob, AR Bald Knob, AR Arkansas State Bank Department 98 Citizens Bancshares of Batesville, Inc. Batesville, AR RSSD Number: 1131077 VOICE: (870) 793-4441 FAX: (870) 698-6299 200 South Third Street P. O. Box 2156 72503-2156 CEO/Pres: John Dews Sec: Greg Shaver Subsidiaries: The Citizens Bank Citizens Investments, Inc. Citizens Bancshares (AR) Statutory Trust I Batesville, AR 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 CFO: Jason Taylor Sec: Dianne Lamberth Subsidiaries: First Community Bank Batesville Insurance Agency, Inc. First Community Real Estate, Inc. WR Holding Co., LLC Batesville, AR Batesville, AR Batesville, AR Batesville, AR Bearden Bancshares, Inc. Bearden, AR RSSD Number: 2993722 VOICE: (870) 687-2233 FAX: (870) 687-2474 Chm: Rick Green Subsidiaries: Bank of Bearden BBI Insurance Agency, Inc. #1 Second Street P. O. Box 135 71720-0135 Sec: Ken Riley Bearden, AR Bearden, AR Ninety-Eighth Report 99 Arvest Bank Group, Inc. Bentonville, AR RSSD Number: 1095674 VOICE: (479) 464-1500 FAX: (479) 464-1540 Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Holdings, Inc. Arvest Bank ATC Services, Inc. Arvest Bannister Realty Company Central Mortgage Company ABREHB, LLC Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. Arvest Mortgage Company RHV, LLC RHV2, LLC Security Bankcard Center, Inc. First Place on the Creeks, LLC WACO Title Company Southwest Cattlemen's Corporation Superior Finance Company Superior Financial Statutory Trust II CFB Aviation, LLC Arvest Statutory Trust I AREH LLC Lowell, AR Arvest Trust Company N. A. 125 West Central #218 P.O. Box 1860 72712 Sec: Karla Payne Bentonville, AR Fayetteville, AR Bartlesville, OK Kansas City, MO Little Rock, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Norman, OK Rogers, AR Springdale, AR Tulsa, OK Tulsa, OK Hartford, CT Bentonville, AR Hartford, CT Rogers, AR Arkansas State Bank Department 100 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 Fayetteville, AR ATC Services, Inc. Arvest Bannister Realty Company Central Mortgage Company ABREHB, LLC Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. Arvest Mortgage Company RHV, LLC RHV2, LLC Security Bankcard Center, Inc. First Place on the Creeks, LLC WACO Title Company Southwest Cattlemen's Corporation Superior Finance Company Superior Financial Statutory Trust II Bartlesville, OK Kansas City, MO Little Rock, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Norman, OK Rogers, AR Springdale, AR Tulsa, OK Tulsa, OK Hartford, CT Farmers Bancorp, Inc. Blytheville, AR RSSD Number: 1247615 VOICE: (870) 763-8101 FAX: (870) 763-3500 Chm/CEO/Pres: Steve Bell VP: Paula O. Blackwell Subsidiaries: Farmers Bank And Trust Company 400 West Main Street P. O. Box 688 72316-0688 Sec: Randy Scott Blytheville, AR Ninety-Eighth Report 101 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 Subsidiaries: First Western Bancshares, Inc. First Western Bank First Western Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. First Western Statutory Trust II First Western Statutory Trust III Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR First Western Bancshares, Inc. Booneville, AR RSSD Number: 1100091 VOICE: (479) 675-0369 FAX: (479) 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 Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. First Western Statutory Trust II First Western Statutory Trust III Sec: Debbie Danekas Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Arkansas State Bank Department 102 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 Pres: Phillip J. Foster Sec: Jonathan W. Harrell Subsidiaries: First Bank Simply Home Lending Inc. Hampton, AR Fayetteville, 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: J. Baxter Sharp, III Subsidiaries: The Merchants and Planters Bank 297 Madison P. O. Box 280 72029-0280 CEO/Pres: J. Kendall Henry Clarendon, AR Ninety-Eighth Report 103 Home BancShares, Inc. Conway, AR RSSD Number: 1491409 VOICE: (501) 328-4663 FAX: (501) 328-4679 719 Harkrider Street, Suite 100 P. O. Box 966 72032 Chm: John W. Allison CEO: C. Randall Sims CFO: Randy E. Mayor Subsidiaries: Centennial Bank Cook Insurance Agency, Inc. Centennial Insurance Agency, Inc. Grand Prairie Title Company, Inc. OSB Reacquisitions, LLC Storage Plus of North Florida, LLC Coastal St. Andrews Properties, LLC Centennial Trust Company Home Bancshares Statutory Trust I Home BancShares Statutory Trust II Marine Bancorp Statutory Trust I Centennial (AR) Statutory Trust I Conway, AR Apalachicola, FL Cabot, AR Cabot, AR Conway, AR Panama City, FL Panama City Beach, FL Conway, AR Hartford, CT Hartford, CT Hartford, CT Wilmington, DE Ashley Bancstock Company Crossett, AR RSSD Number: 1099337 VOICE: (870) 364-1300 FAX: (870) 364-2205 Pres: Michael F. Webb EVP: Herbert R. Hutchison Subsidiaries: First National Bank of Crossett First Community Bank of Crawford County Ashley Bancstock Company Statutory Trust I 218 Main Street 71635 Treas/Sec: Nancy McCay Crossett, AR Van Buren, AR Crossett, AR Arkansas State Bank Department 104 Evergreen Bancshares, Inc. Crossett, AR RSSD Number: 1134797 VOICE: (870) 364-5131 FAX: (870) 364-6329 200 Pine Street P. O. Box 638 71635-0638 Chm: Richard E. Griffin CEO/Pres: Howard M. Beaty, Jr. Subsidiaries: First State Bank Crossett, AR 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: Chambers Bank CBI Holdings, Inc. Sloan Capital Trust I Danville, AR Danville, AR Danville, AR Bank of Dardanelle Bankshares, Inc. Dardanelle, AR RSSD Number: 1134546 VOICE: (479) 229-3311 FAX: (479) 229-4180 CEO: William R. Bullock, Sr. Pres: Ronald L. Taylor Subsidiaries: River Town Bank 102 North Front Street P. O. Box 577 72834-0577 Sec: Sharon Wilson Dardanelle, AR Ninety-Eighth Report 105 Peterson Holding Company Decatur, AR RSSD Number: 1845619 VOICE: (479) 752-3281 FAX: (479) 752-8154 Hwy. 59 North P. O. Box 38 72722-0038 Chm: Blake Evans CEO/Pres: R. Mark Londagin Sec: M. Elaine Gardner Subsidiaries: Decatur State Bank Grand Insurance & Financial Services, Inc. Grand Savings Bank Decatur, AR Decatur, AR Grove, OK First State Bancshares, Inc. DeQueen, AR RSSD Number: 2032724 VOICE: (870) 642-4423 FAX: (870) 642-2847 402 West Collin Raye Drive P. O. Box 970 71832-0970 Chm: Dennis Smiley CEO/Pres: Gary L. Golden Subsidiaries: First State Bank of DeQueen First State Insurance of DeQueen Inc. First State DeQueen Statutory Trust I DeQueen, AR DeQueen, AR Wilmington, DE DBT Financial Corporation DeWitt, AR RSSD Number: 1139176 VOICE: (870) 946-3531 FAX: (870) 946-2815 Pres: Nancy F. Rasco Second and Jefferson Streets P. O. Drawer 71 72042-0071 Sec: David Jessup Subsidiaries: DeWitt Bank And Trust Company DBT Realty Company, Inc. P & M Realty, Inc. DeWitt Bank and Trust Insurance Company, Inc DeWitt, AR DeWitt, AR DeWitt, AR DeWitt, AR Arkansas State Bank Department 106 DeWitt First Bankshares Corporation DeWitt, AR RSSD Number: 1099243 VOICE: (870) 946-3551 FAX: (870) 946-1562 220 West Cross P. O. Box 511 72042-0511 Pres: Warren A. Jennings, Sr. Sec: Warren A. Jennings, Jr. Subsidiaries: Arkansas County Bank 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 500 Highway 65 South 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 Statutory Trust III El Dorado, AR El Dorado, AR El Dorado, AR El Dorado, AR Ninety-Eighth Report 107 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 BOE Acquisition Company, Inc. England, AR Little Rock, AR Eureka Bancshares, Inc. Eureka Springs, AR RSSD Number: 2941769 VOICE: (479) 253-3000 FAX: (479) 253-3004 70 South Main P. O. Box 309 72632-0309 Chm/CEO/Pres: John F. Cross VChm: Lewis E. Epley, Jr. Sec: Charles T. Cross Subsidiaries: Cornerstone Bank Eureka Springs, AR Bankshares of Fayetteville, Inc. Fayetteville, AR RSSD Number: 2516970 VOICE: (479) 444-4444 FAX: (479) 443-1529 CEO/Pres: Mary Beth Brooks EVP: Bob King Subsidiaries: The Bank of Fayetteville Bank of Fayetteville East Square LLC BOF Cato Springs, LLC Bankshares of Fayetteville Statutory Trust I One South Block Avenue P.O. Box 1728 72702 EVP: Billie Pelton EVP: Sam Stricklin Fayetteville, AR Fayetteville, AR Fayetteville, AR Fayetteville, AR Arkansas State Bank Department 108 White River Bancshares Company Fayetteville, AR RSSD Number: 3306589 VOICE: (479) 684-3700 FAX: (479) 684-3795 3878 N. Crossover Road, Suite 20 P.O. Box 8550 72703 Bank Holding Company Community First Bancshares, Inc., Harrison, AR Chm/CEO/Pres: Gary R. Head CFO: Russell W. Nugent, Jr. CCO: Daniel J. Lewis COO: Marilyn K. Hendricks Subsidiaries: Signature Bank of Arkansas Fayetteville, AR FBT Bancshares, Inc. Fordyce, AR RSSD Number: 1099092 VOICE: (870) 352-3107 FAX: (870) 352-5202 Chm/CEO/Pres: James V. Hulse, Jr. EVP: Bruce Dawson Subsidiaries: Fordyce Bank & Trust Company 200 West 4th Street 71742-2202 EVP: Don Lyle EVP/Sec: Suzette Crutchfield Fordyce, AR Ninety-Eighth Report 109 First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (479) 782-2041 FAX: (479) 788-4602 602 Garrison Avenue P. O. Box 7 72902-0007 Chm: Mont S. Echols, Jr. CEO/Pres: Samuel T. Sicard VP: James G. Williamson, Jr. Subsidiaries: The First National Bank of Fort Smith Citizens Bank & Trust Company PMF, Inc. Brown-Hiller, Inc. First Asset Holdings, LLC Realty Appraisals, Inc. Brown-Hiller-Clark & Associates of Oklahoma, Inc. National Bank of Sallisaw Fort Smith, AR Van Buren, AR Van Buren, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Sallisaw, OK Sallisaw, OK Bainum Bancorp Glenwood, AR RSSD Number: 1491333 VOICE: (870) 356-2121 FAX: (870) 356-6327 205 Hwy 70 East P. O. Box 500 71943 Chm/Pres: Timothy E. Bainum Sec: Lynda Robbins Subsidiaries: Diamond Bank Murfreesboro, AR Gravett Bancshares, Inc. Gravette, AR RSSD Number: 3143953 VOICE: (479) 787-5251 FAX: (479) 787-6102 Chm/Pres: John R. Meade EVP/Sec: David N. Wills Subsidiaries: Bank of Gravett 211 SE Main Street P.O. Box 149 72736-0149 VP: Jim A. Edmondson Gravette, AR Arkansas State Bank Department 110 First Service Bancshares, Inc. Greenbrier, AR RSSD Number: 1137266 VOICE: (501) 679-7200 FAX: (501) 679-5104 136 South Broadview P.O. Box 190 72058-0430 Chm/CEO/Pres: Thomas H. Grumbles Treas/Sec: Kenneth Barnard Subsidiaries: First Service Bank First Service Realty Greenbrier, AR Greenbrier, AR Peoples Home Holding, Inc. Greenbrier, AR RSSD Number: 3029196 VOICE: (501) 679-7283 FAX: (501) 679-7745 61 A South Broadview P. O. Box 307 72058 Chm/Pres: John Stacks VP: Joe Benton 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 Ninety-Eighth Report 111 Community First Bancshares, Inc. Harrison, AR RSSD Number: 2754585 VOICE: (870) 391-8000 FAX: (870) 391-8081 200 East Ridge P. O. Box 913 72602-0913 Chm/CEO: Jerry Maland Sec: Dan R. Bowers Subsidiaries: White River Bancshares Company Signature Bank of Arkansas Community First Bank Community First AR Statutory Trust I Mobius Technology Consulting, LLC Fayetteville, AR Fayetteville, AR Harrison, AR Harrison, AR Springfield, MO Pioneer Bancshares, Inc. of Horatio, Arkansas Horatio, AR RSSD Number: 1139091 VOICE: (870) 832-2501 FAX: (870) 832-2577 123 Main Street P. O. Box 347 71842-0347 Chm/CEO/Pres: Edith H. Smith VP: C. E. Hendrix, Jr. Treas/Sec: Carl E. Hendrix, III Subsidiaries: Horatio State Bank Horatio, AR Smith Associated Banking Corporation Hot Springs, AR RSSD Number: 1098004 VOICE: (501) 623-4292 FAX: (501) 624-7187 1801 Central Avenue, Suite D 71901 Chm/CEO: G. R. Buck Smith Subsidiaries: Bank of Salem SABCO Insurance, Inc. Security Bank Ouachita Properties, Inc. Stephens Security Insurance Agency, Inc. Salem, AR Salem, AR Stephens, AR Stephens, AR Stephens, AR Arkansas State Bank Department 112 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: John Hardwick SVP/CFO: Kim Crook Sec: John McNee Subsidiaries: First Arkansas Bank & Trust First Arkansas Mortgage Company Card Assets, LLC First Arkansas Statutory Trust I Jacksonville, AR Jacksonville, AR Atlanta, GA Jacksonville, AR Liberty Bancshares, Inc. Jonesboro, AR RSSD Number: 3101784 VOICE: (870) 934-9000 FAX: (870) 268-1551 Chm/CEO: Wallace W. Fowler Pres: Mark P. Fowler Subsidiaries: Liberty Bank of Arkansas Freedom Insurance Group, Inc. Town & Country Insurance Agency, Inc. Liberty Statutory Trust 1 Liberty Statutory Trust II Russellville Statutory Trust I 2901 East Highland Drive P.O. Box 7514 72401 VP: John C. Freeman Sec: Lloyd H. McCracken, Jr. Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Ninety-Eighth Report 113 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/CEO: Charles H. Weissinger, Jr. VChm: William W. Bunker Pres: Terence J. Alpe COO: Shannon M. Hill Subsidiaries: The Bank of Lake Village BLV Realty, Inc. The Jefferson Agency The Jefferson Bank Jefferson Ag Credit Lake Village, AR Lake Village, AR Fayette, MS Fayette, MS Greenville, MS Little River Bancshares, Inc. Lepanto, AR RSSD Number: 2463391 VOICE: (870) 475-2306 FAX: (870) 475-3070 Chm: Henry G. Watkins, III Pres: Scott Arnold, IV 202 Greenwood Avenue P. O. Box 340 72354-0340 Sec: Lois Criddle Subsidiaries: Little River Bank Lepanto, AR Allcorp, Inc. Little Rock, AR RSSD Number: 4152877 VOICE: (501) 707-1154 FAX: (501) 707-1161 Chm/CEO: Lex Golden, III Subsidiaries: Community State Bank 5701 Kavanaugh Blvd. 72207 Pres: Alex Golden Bradley, AR 114 Arkansas State Bank Department Bank of the Ozarks, Inc. Little Rock, AR RSSD Number: 1097089 VOICE: (501) 978-2265 FAX: (501) 978-2205 17901 Chenal Parkway P. O. Box 8811 72231-8811 Chm/CEO: George G. Gleason, II VChm/COO: Mark D. Ross CFO: Greg McKinney Subsidiaries: Bank of the Ozarks Jaxsonville-Ocala Station, LLC West Manatee Avenue Property, LLC BOTO GA Properties, LLC BOTO NC Properties, LLC HOJ Equities, LLC ASMSA Investment Fund, LLC BOTO, LLC Open Avenues Investment Fund, LLC The Highlands Group, Inc. FCB Properties, Inc. PAB State Credits, LLC Ozark Capital Statutory Trust V Ozark Capital Statutory Trust II Ozark Capital Statutory Trust III Ozark Capital Statutory Trust IV Little Rock, AR Bradenton, FL Bradenton, FL Cartersville, GA Charlotte, NC Dallas, TX Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Valdosta, GA Valdosta, GA Chicago, IL Hartford, CT Wilmington, DE 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/CFO: Jeanette Nation Little Rock, AR Ninety-Eighth Report 115 Delta Trust & Banking Corporation Little Rock, AR RSSD Number: 2834115 VOICE: (501) 907-2286 FAX: (501) 907-2299 11700 Cantrell Road P. O. Box 17607 72223 Chm/CEO: J. French Hill Pres: Carroll Penick Sec: Becky Hughes Subsidiaries: Delta Trust & Bank Delta Trust Insurance Agency, Inc. Delta Trust Investments, Inc. Delta Trust Mortgage, Inc. Parkdale, AR Little Rock, AR Little Rock, AR Little Rock, 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. Little Rock Mortgage Corp. 200 North State Street P. O. Box 34090 72203 SVP/Cash: Lee A. Swearingen Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR 116 Arkansas State Bank Department Riverside Bancshares, Inc. Little Rock, AR RSSD Number: 2155342 VOICE: (501) 614-6161 FAX: (501) 614-6162 1001 W. Markham, 2nd Floor 72201 Pres: Stephen C. Davis Sec: David Matchet Subsidiaries: Riverside Bank Arkansas Mortgage Company, Inc. Little Rock Title Company Riverside Mortgage Company, Inc. Sparkman, AR Fayetteville, AR Little Rock, AR Little Rock, AR Rock Bancshares, Inc. Little Rock, AR RSSD Number: 3770313 VOICE: (501) 664-8722 FAX: (501) 663-8753 Chm/CEO/Pres: L. Walter Quinn Atty: Joseph W. Gregory Subsidiaries: Heartland Bank HCB Properties, Inc. Heartland Insurance, LLC HCB Investments, Inc. Rock Bancshares Statutory Trust I Rock Bancshares Statutory Trust II One Information Way, Suite 400 72202 Sec: Sally Brewer Bryant, AR Bryant, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Ninety-Eighth Report 117 State Holding Company Little Rock, AR RSSD Number: 1100046 VOICE: (501) 223-3450 FAX: (501) 223-8008 650 South Shackleford, Suite 450 72211 Chm/CEO/Pres: Catherine H. Owen VChm: Harry L. Hastings, Jr. EVP: Paul Castleberry SVP: Laura Bogoslavsky Subsidiaries: Eagle Bank & Trust Company Eagle Development Company South State Mortgage Company 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 Hardke Subsidiaries: First State Bank First State Land Co., Inc. Lonoke Statutory Trust I Lonoke Statutory Trust II Lonoke, AR 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 Pres: Mary L. Fowler Subsidiaries: The Peoples Bank 500 North Jackson Street P. O. Box 340 71754-0340 Sec: Sharon Gathright Magnolia, AR Arkansas State Bank Department 118 Magnolia Banking Corporation Magnolia, AR RSSD Number: 1135413 VOICE: (870) 235-7000 FAX: (870) 235-7039 200 East Main Street P. O. Box 250 71754-0250 Chm/CEO/Pres: Bob L. Burns EVP: Steve Keith EVP: Bruce D. Maloch Sec: Molly Burns Subsidiaries: Farmers Bank and Trust Company Magnolia Properties, Inc. Magnolia Statutory Trust I Magnolia Statutory Trust II Magnolia, AR Magnolia, AR Magnolia, AR Magnolia, AR FCB Financial Services, Inc. Marion, AR RSSD Number: 3123339 VOICE: (870) 739-7300 FAX: (870) 739-2234 205 Block Street P.O. Box 747 72364 Pres: M. Don Underwood EVP/CFO: Brenda Eldridge Sec: Frank A. Fogleman Subsidiaries: First Community Bank of Eastern Arkansas FCB Insurance Services, Inc. Marion, AR Marion, AR Tyronza Bancshares, Inc. Marked Tree, AR RSSD Number: 1139783 VOICE: (870) 358-6000 FAX: (870) 358-6001 Chm: Charles Luter Subsidiaries: First Delta Bank 214 Hester Parker Drive P. O. Box 635 72365-0635 Pres: Chris M. Lehman Marked Tree, AR Ninety-Eighth Report 119 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: Vance M. Thompson, III AVP: Caleb Thompson Subsidiaries: Bank of McCrory McCrory, AR McGehee Bank Employee Stock Ownership Plan McGehee, AR RSSD Number: 3487965 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd Street P.O. Box 787 71654 Chm: William W. Bowman VChm: John H. Potter Pres: James M. Smith Subsidiaries: Southeast Financial Bankstock Corporation McGehee Bank McBank Realty McGehee, AR McGehee, AR McGehee, AR Southeast Financial Bankstock Corporation McGehee, AR RSSD Number: 1096662 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd Street P. O. Box 787 71654-0787 Bank Holding Company McGehee Bank Employee Stock Ownership Plan, McGehee, AR Chm: William W. Bowman VChm: John H. Potter, Jr. Subsidiaries: McGehee Bank McBank Realty Pres: James M. Smith McGehee, AR McGehee, AR Arkansas State Bank Department 120 Union Bankshares, Inc. Mena, AR RSSD Number: 1099805 VOICE: (479) 394-2211 FAX: (479) 394-3809 303 Hwy 71 North P. O. Box 898 71953-0898 Chm: Edward W. Stevenson CEO/Pres: Philip B. Hensley EVP/CFO: Michael D. Myers Sec: David Maddox Subsidiaries: The Union Bank of Mena The First National Bank at Paris Union Bankshares Statutory Trust I Mena, AR Paris, AR Mena, AR Drew Bancshares, Inc. Monticello, AR RSSD Number: 1098198 VOICE: (870) 367-2025 FAX: (870) 367-1151 Chm: Bennie Ryburn, Jr. VChm: Bennie Ryburn, III 212 West Gaines P. O. Box 150 71657-0150 Pres: George T. Harris SVP/Sec: Rusty Smith Subsidiaries: Commercial Bank & Trust Company Monticello, AR First Union Financial Corporation Monticello, AR RSSD Number: 1098880 VOICE: (870) 460-6400 FAX: (870) 460-6465 Chm/CEO: Zach McClendon, Jr. Pres: Dave Dickson Subsidiaries: Union Bank And Trust Company First Union Statutory Trust 1 102 West McCloy P. O. Box 270 71657-0270 Sec: John S. McClendon Monticello, AR Monticello, AR Ninety-Eighth Report 121 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 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/Pres: Alex Golden Subsidiaries: Acme Holding Company, Inc. Allied Bank The Mortgage Bank of Arkansas, Inc. Acme Statutory Trust I Mulberry, AR Mulberry, AR Little Rock, AR Mulberry, AR 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 The Mortgage Bank of Arkansas, Inc. Acme Statutory Trust I Sec: Amy McCay Mulberry, AR Little Rock, AR Mulberry, AR Arkansas State Bank Department 122 M & P Community Bancshares, Inc. Newport, AR RSSD Number: 1491306 VOICE: (870) 523-3601 FAX: (870) 523-3473 120 Hazel Street P. O. Box 650 72112-0650 Bank Holding Company M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan, Newport, AR Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. VP/Sec: Carla P. Stiger Treas: Pat Davis Subsidiaries: Merchants & Planters Bank M & P Community Statutory Trust II M & P Insurance & Investment Services, Inc. Newport, AR Newport, AR Newport, AR M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan Newport, AR RSSD Number: 3394429 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 VP/Sec: Carla P. Stiger Treas: Pat Davis Subsidiaries: M & P Community Bancshares, Inc. Merchants & Planters Bank M & P Community Statutory Trust II M & P Insurance & Investment Services, Inc. Newport, AR Newport, AR Newport, AR Newport, AR Ninety-Eighth Report 123 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 Jefferson Bancshares, Inc. Pine Bluff, AR RSSD Number: 2267665 VOICE: (870) 535-7222 FAX: (870) 540-1224 Chm: John P. Garrison Pres/CEO: Chuck Morgan Subsidiaries: Hot Springs Bank & Trust Company Pine Bluff National Bank Jefferson Bancshares Capital Trust Jefferson Bancshares Capital Trust II 912 Poplar Street P.O. Box 7878 71601-4861 EVP/CFO: Scott Pittillo Hot Springs, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Arkansas State Bank Department 124 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: J. Thomas May Pres/COO: David L. Bartlett EVP: Marty Casteel EVP/CFO: Robert A. Fehlman Subsidiaries: Simmons First Bank of El Dorado Simmons First Bank of Hot Springs Simmons First Bank of Northeast Arkansas Simmons First Bank of South Arkansas Simmons First National Bank, N.A. 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 II Simmons First Capital Trust III Simmons First Capital Trust IV Simmons First Mortgage Corporation 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 Parkway Bankshares, Inc. Portland, AR RSSD Number: 1141188 VOICE: (870) 367-1935 FAX: (870) 367-1859 Chm: Joel Newcome Pres: Robert Y. Taylor Subsidiaries: Parkway Bank 217 N. Main Street 555 West Gaines 71663 VP/Treas/Sec: Leslie Borgognoni Rogers, AR Ninety-Eighth Report 125 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: Gary McCauley Treas/Sec: Karen McLelland Subsidiaries: Bank of Prescott Prescott, AR Pinnacle Bancshares, Inc. Rogers, AR RSSD Number: 3451416 VOICE: (479) 619-2000 FAX: (479) 619-2702 4201 West New Hope Road, Suite 101 72758 Chm/CEO: Wade Ruckle Subsidiaries: Pinnacle Bank Rogers, AR First State Banking Corporation Russellville, AR RSSD Number: 1096448 VOICE: (479) 498-2402 FAX: (479) 498-2465 Chm/CEO: Charles Blanchard Pres: Johnny K. Morgan Subsidiaries: First State Bank Nimrod Real Estate, Inc. FSB Capital Trust II FSB Capital Trust III 3103 East Main Street P. O. Box 10610 72812 CFO/VP: Andrea Nicholson Russellville, AR Russellville, AR Russellville, AR Russellville, AR Arkansas State Bank Department 126 First Security Bancorp Searcy, AR RSSD Number: 1096505 VOICE: (501) 279-3401 FAX: (501) 279-3486 314 North Spring P. O. Box 1009 72145-1009 Chm/CEO: Reynie Rutledge Pres: Bill Scholl Subsidiaries: First Security Bank UFS, Inc. Heartland Renaissance Fund Sub 1 LLC FNBS Investments Inc. Peoples Real Estate Management Co. First Security Investment Advisors, Inc. First Security Real Estate Management, Inc. Crews & Associates, Inc. First Security Finance, Inc. Eastview of NWA, LLC Torrent Fire Co. #4 LLC Union Air LLC Cheyenne Aircraft LLC Searcy, AR Benton, AR Conway, AR Las Vegas, NV Mountain Home, AR Searcy, AR Searcy, AR Little Rock, AR Little Rock, AR Searcy, AR Searcy, AR Searcy, AR Wilmington, DE Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 CEO/Pres: Bob Willett SVP: J. Drew Tennyson Subsidiaries: Smackover State Bank 708 North Broadway P. O. Box 107 71762-0107 SVP: James B. Yeager VP: Vicki Davis Smackover, AR Ninety-Eighth Report 127 Mathias 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 VChm: Arthur Thurman Sec: Larry Olson Subsidiaries: First State Bank of Northwest Arkansas FSB Properties, LLC Huntsville, AR Fayetteville, AR Bodcaw Bancshares, Inc. Stamps, AR RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 307 Thomas Street P. O. Box 8 71860-0008 Chm: J. Paul Nipper Sec: Scott Hultberg Subsidiaries: Bodcaw Bank Stamps, AR Star City Bancshares, Inc. Star City, AR RSSD Number: 1131723 VOICE: (870) 628-4286 FAX: (870) 628-5274 116 North Lincoln P. O. Drawer 69 71667-0069 Chm/CEO/Pres: Bennie F. Ryburn, Jr. Subsidiaries: Bank of Star City Star City, AR Arkansas State Bank Department 128 The Farmers and Merchants Bankshares, Inc. Stuttgart, AR RSSD Number: 1099672 VOICE: (870) 673-6911 FAX: (870) 672-4282 708 South Main P. O. Box 1010 72160-1016 Chm: Roy O. McCollum, III CEO/Pres: Gary Hudson Subsidiaries: The Farmers and Merchants Bank F & M Realty, Inc. Perry County Bankshares Statutory Trust Stuttgart, AR Stuttgart, AR Perryville, AR Bradley Bancshares, Inc. Warren, AR RSSD Number: 1097463 VOICE: (870) 226-2601 FAX: (870) 226-2253 104 South Main Street P. O. Box 29 71671-0029 Chm/CEO: Bennie F. Ryburn, Jr. Pres: Freddie M. Mobley Subsidiaries: First State Bank of Warren Warren, AR Evolve Bancorp, Inc. West Memphis, AR RSSD Number: 1142411 VOICE: (901) 624-5500 FAX: (901) 624-5540 301 Shoppingway Blvd. 8000 Centerview Parkway, Suite 500 72301 Bank Holding Company Evolve Financial Group, Inc., Memphis, TN Chm: Scot Lenoir Subsidiaries: Evolve Bank & Trust Sec: Scott Stafford West Memphis, AR Ninety-Eighth Report 129 Cross County Bancshares, Inc. Wynne, AR RSSD Number: 1131611 VOICE: (870) 238-8171 FAX: (870) 238-4052 Chm: Dr. Willard G. Burks CEO/Pres: David Dowd 1 Cross County Plaza P. O. Box 9 72396-0009 Treas/Sec: Shelia Stotts Subsidiaries: Cross County Bank Janus Title, LLC Wynne, AR Wynne, AR First National Corporation of Wynne Wynne, AR RSSD Number: 1132159 VOICE: (870) 238-2361 FAX: (870) 238-8148 CEO/Pres: Sean H. Williams VP: Paul Hall Subsidiaries: Twin Lakes Community Bank The First National Bank of Wynne 528 Merriman Avenue P. O. Box 129 72396 Treas: Dianne Henderson Sec: Lisa G. Jackson Flippin, AR Wynne, AR OUT OF STATE BANK HOLDING COMPANIES AND THEIR ARKANSAS SUBSIDIARIES JUNE 30, 2012 Ninety-Eighth Report 131 Delta Bancshares of Louisiana, Inc. Oak Grove, LA RSSD Number: 2806662 VOICE: (870) 355-8311 FAX: (870) 355-8509 600 East Main Street P. O. Box 250 71263 Chm: Charles F. Poole Pres: Robert Schultz Subsidiaries: The Eudora Bank West Carroll Community Bank Eudora, AR Oak Grove, LA Evolve Financial Group, Inc. Memphis, TN RSSD Number: 3343351 VOICE: (901) 624-5500 FAX: (901) 624-5540 Chm/CEO: Scot Lenoir Subsidiaries: Evolve Bancorp, Inc. Evolve Bank & Trust 8000 Centerview Parkway, Suite 500 38018 Sec: Scott Stafford West Memphis, AR West Memphis, AR Ninety-Eighth Report ABBREVIATIONS Chm: Chm Emer: CEO: VChm: Pres: Reg Pres: EVP: SVP: CAO: CCO: CFO: CLO: COO: AdmVP: EO: VP: SLO: Cash: Cont: AVP: RMO: Aud: TO: ATO: Treas: Sec: Atty: Chairman of the Board Chairman Emeritus Chief Executive Officer Vice Chairman President Regional President Executive Vice President Senior Vice President Chief Administrative Officer Chief Credit 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 Risk Management Officer Auditor Trust Officer Assistant Trust Officer Treasurer Secretary Attorney 133 134 Arkansas State Bank Department NOTES Ninety-Eighth Report NOTES 135 136 Arkansas State Bank Department NOTES
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