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REPORT OF THE BANK COMMISSIONER OF ARKANSAS 2009 MIKE BEEBE Governor CANDACE A. FRANKS Bank Commissioner NINETY-FIFTH ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2009 Ninety-Fifth Report STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2009 Honorable Mike Beebe Governor of Arkansas Little Rock, Arkansas Governor Beebe: I am pleased to submit to you the Ninety-Fifth 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, 2009. 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-Fifth Report TABLE OF CONTENTS Legal Holidays................................................................................................................................................ 2 Commissioners of The Bank Department..................................................................................................... 3 State Banking Board...................................................................................................................................... 4 Departmental Roster...................................................................................................................................... 5 State Chartered Banks’ Corporate Name Changes/Relocations/ State Chartered Banks Merged.................................................................................................................. 9 Charter Conversions/New Branches Approved ......................................................................................... 10 Subchapter S Corporation Banks................................................................................................................ 12 Fiscal Report of The Bank Department....................................................................................................... 13 Federal Supervisory Agencies .................................................................................................................... 14 Trade Associations ...................................................................................................................................... 18 Consolidated Report of Condition Data State Chartered Banks ............................................................................................................................. 22 Consolidated Statement of State Chartered Trust Departments ......................................................................................................... 23 Consolidated Report of Condition Data National Banks .......................................................................................................................................... 24 Tier One Leverage Ratios For All Arkansas Commercial Banks ................................................................................................................... 25 National Banks ............................................................................................................................................. 29 Report of State Chartered Commercial Banks ........................................................................................... 31 Report of State Chartered Non-Profit Organization.................................................................................... 87 Report of State Chartered Trust Companies .............................................................................................. 89 Report of Regional/County Industrial Development Corporations ............................................................. 91 Report of Capital Development Company .................................................................................................. 93 Commercial Banks Listed by County .......................................................................................................... 95 Map of Arkansas Counties ........................................................................................................................ 101 Arkansas Bank Holding Companies ......................................................................................................... 103 Out of State Bank Holding Companies ..................................................................................................... 135 Abbreviations ............................................................................................................................................. 137 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-Fifth 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. John Freeman Chairman Liberty Bank of Arkansas P. O. Box 7514 Jonesboro, AR 72403 VOICE: (870) 934-9000 FAX: (870) 268-1525 TERM EXPIRES: 12-31-10 Mr. Creed Spann Vice Chairman P. O. Box 21670 Hot Springs, AR 71903 VOICE: (501) 525-2733 FAX: (501) 525-1763 TERM EXPIRES: 12-31-11 Mr. Gary Hudson Farmers and Merchants Bank P. O. Box 696 DeWitt, AR 72042 VOICE: (870) 946-3535 FAX: (870) 946-8130 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: 12-31-09 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. Rodney Parks 10606 Yosemite Valley Drive Little Rock, AR 72212 VOICE: (501) 975-8535 TERM EXPIRES: 12-31-13 Ninety-Fifth Report 5 Arkansas State Bank Department 400 Hardin Road, Suite 100 Little Rock, AR 72211-3502 VOICE: (501) 324-9019 FAX: (501) 324-9028 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 H. Wilks Marshall, Jr. and Richard D. Buzbee Assistant Deputy Bank Commissioners Regulatory Examinations/Regulatory and Banking Procedures Bank Performance Evaluation and Monitoring Personnel Recruitment and Management Larry M. Hillyard and Baker L. Moseley – Chief Examiners Regulatory Examination/Problem Bank Performance Evaluation and Monitoring EXAMINATION PERSONNEL LITTLE ROCK OFFICE Gary W. Bush Bank Examiner Manager Robert M. Henry Commissioned Senior Examiner David J. Raymond – Commissioned Senior Examiner Mark G. Rye – Bank Senior Examiner Matthew A. Rose – Bank Senior Examiner Robert K. McDonald – Bank Examiner Lance A. Nutt – Bank Examiner Jim E. Homan – Bank Examiner Michael G. Saunders – Bank Examiner Manager Luke B. Webre – Commissioned Senior Examiner Kelly M. Victory – Commissioned Senior Examiner Dharmin H. Patel – Bank Senior Examiner Tyler H. Choate – Bank Senior Examiner Brandon R. Scallion – Bank Senior Examiner Chris K. Davis – Bank Examiner Jonathan E. Bull – Bank Examiner Scott J. Smith – Bank Examiner 6 Arkansas State Bank Department 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 Bank Examiner Manager Joseph M. Payne – Commissioned Senior Examiner Neal R. Elliott – Bank Senior Examiner Landi S. Mkhize – Bank Senior Examiner J. Hunter Norton – Bank Senior Examiner Mac Tatman – Bank Senior Examiner Rebecca B. Gosnell – Bank Examiner Brandon T. Mathis – Bank Examiner Shawn M. Dunham – Bank 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 Bank Examiner Manager William R. Milum Bank Senior Examiner R. D. Jackson – Commissioned Senior Examiner Shaun G. Perkins – Commissioned Senior Examiner Chris A. Dillon – Commissioned Senior Examiner W. Kent Darr – Commissioner Senior Examiner Thomas J. Anderson – Bank Senior Examiner W. Nathan Elliott – Bank Senior Examiner Jason M. Corder – Bank Senior Examiner BANK HOLDING COMPANY Mary C. Pennebaker Bank Examiner Manager Jerry C. Corrothers Commissioned Senior Examiner Thomas L. Cook – Commissioned Senior Examiner TRUST Thomas M. Narrell Bank Examiner Manager Jamie A. Bazarow – Commissioned Senior Examiner Stacey D. Leder – Bank Senior Examiner INFORMATION SYSTEMS Jeffrey A. Cameron – Bank Examiner Manager Michael L. Green – Commissioned Senior Examiner Carey W. Sharp – Commissioned Senior Examiner Ninety-Fifth Report APPLICATION INFORMATION John W. Ashby – Bank Examiner Manager Gregg Qualls – Commissioned Senior Examiner Cara K. Lank – Commissioned Senior Examiner Kevin C. Mosley – Commissioned Senior Examiner Self Examination Bank Reports of Condition and Income Bank Holding Company Reports of Condition and Income Research and Financial Analysis Public Information Requests Application Analysis Consumer Complaints TRAINING Richard S. Plotkin – Bank Examiner Manager Jacklyn G. Powell – Commissioned Senior Examiner Training/Orientation/Education Administrative Support 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 ADMINISTRATION DIVISION Gail Green – Administrative Services Manager Vicki A. Wise – Human Resource Analyst Devan E. May – Human Resource Analyst Sharon K. Hacker – Accountant Accounting and Employee Services Budget and Personnel Performance Evaluation Expense Disbursement Purchasing Payroll 7 8 Arkansas State Bank Department Cynthia L. Nixon Executive Assistant to the Commissioner Jane R. English Administrative Analyst Lori A. Morrison Administrative Analyst Martha A. Guinn Administrative Specialist 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-Fifth Report STATE CHARTERED BANKS' CORPORATE NAME CHANGES/RELOCATIONS BANK NEW NAME/LOCATION Bank of Eureka Springs Eureka Springs Cornerstone Bank Eureka Springs Elk Horn Bank and Trust Arkadelphia Southern Bancorp Bank of Arkansas Arkadelphia Evolve Bank & Trust Parkin Evolve Bank & Trust West Memphis First State Bank Conway Centennial Bank Conway Twin City Bank North Little Rock First Interim Bank Rogers STATE CHARTERED BANKS MERGED FROM JULY 1, 2008, TO JUNE 30, 2009 BANK MERGED INTO The Union Bank of Benton Benton First Security Bank Searcy Community Bank Cabot Centennial Bank Conway First Security Bank of Conway Conway First Security Bank Searcy Timberland Bank El Dorado Southern Bancorp Bank of Arkansas Arkadelphia Chambers Bank of Northwest Arkansas Fayetteville Chambers Bank Danville Goodman State Bank Goodman, MO First Community Bank Batesville Greers Ferry Lake State Bank Heber Springs First Arkansas Bank & Trust Jacksonville Centennial Bank Little Rock Centennial Bank Conway 9 Arkansas State Bank Department 10 First National Bank at Marianna Marianna The Farmers and Merchants Bank Stuttgart Marine Bank Marathon, FL Centennial Bank Conway Bank of Mountain View Mountain View Centennial Bank Conway Twin City Bank North Little Rock Centennial Bank Conway Bank of Rogers Rogers The First National Bank of Fort Smith Fort Smith First Interim Bank Rogers Intrust Bank, N. A. Wichita, KS CHARTER CONVERSIONS Heartland Community Bank 4937 Highway 5 North Bryant, Arkansas (Converted to a state charter July 17, 2008) BRANCHES APPROVED FROM JULY 1, 2008, TO JUNE 30, 2009 BANK LOCATION Centennial Bank Conway Mobile Branch Pulaski County Centennial Bank Conway 1631 Hwy 25B N Heber Springs Bank of England England 1320 Rebsamen Park Road Little Rock Cornerstone Bank Eureka Springs 901-907 West Trimble Berryville Arvest Bank Fayetteville 4400 W. Markham Little Rock Ninety-Fifth Report BANK LOCATION Arvest Bank Fayetteville SW Hwy 412 E & Butterfield Springdale Arvest Bank Fayetteville 1102 N. Massey Boulevard Nixa, MO Arvest Bank Fayetteville National Ave. & Chestnut Springfield, MO Arvest Bank Fayetteville 2251 N. 9th Street Broken Arrow, OK Arvest Bank Fayetteville NW 91st & Delaware Street Tulsa, OK Planters and Merchants Gillett 201 Reynolds Road Paragould Calhoun County Bank Hampton 119 Hwy 274 Camden Bank of the Ozarks Little Rock 1054 Bethany Drive Allen, TX Diamond Bank Murfreesboro 1200 Airport Road Hot Springs Diamond Bank Murfreesboro th 1410 S. 4 Street Nashville Home Bank of Arkansas Portland 5756 Hwy. 9 Center Ridge Evolve Bank & Trust West Memphis 1690 North Falls Boulevard Wynne 11 Arkansas State Bank Department 12 STATE CHARTERED SUBCHAPTER S CORPORATION BANKS BANK CITY Bank of Bearden Bearden Heartland Community Bank Bryant 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 Allied Bank Mulberry Diamond Bank Murfreesboro The Bank of Rison Rison Riverside Bank Sparkman Bank of Star City Star City Warren Bank and Trust Company Warren Ninety-Fifth Report 13 The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 2008 through June 30, 2009. RECEIPTS Cash Balance June 30, 2008...................................................... $4,494,547.16 Examination and Assessment Fees ........................7,653,096.45 Charter and Amendment Fees ..................................... 90,825.00 Miscellaneous/Non-Revenue Income............................. 1,650.00 Reimbursement for M & R Sales .................................. 25,747.52 Refund to Expenditures Prior Year .............................. 2,175.49 Refund to Expenditures Current Year ........................ 27,966.51 Total Receipts 7,801,460.97 $12,296,008.13 DISBURSEMENTS Salaries.....................................................................4,447,454.30 Extra Help Salaries ......................................................... 3,126.00 Maintenance and General Operations.....................1,079,682.12 S.S., Retirement and Insurance Matching ................................................................1,109,702.39 Conference Fees and Travel ......................................218,454.74 Professional Fees and Services ................................... 28,526.39 Capital Outlay..............................................................118,880.62 Refunds Issued .................................................................. 713.78 Service Charge by State Treasurer ............................116,158.84 Total Disbursements 7,122,699.18 Cash Balance June 30, 2009 5,173,308.95 $12,296,008.13 14 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 Thomas J. Dujenski.........Regional Director – Supervision/Consumer Protection Kristie Elmquist............................... Deputy Regional Director/Risk Management Julie Banfield .............................................Deputy Regional Director/Compliance Cheryl Couch.............................................................. Assistant Regional Director Mark Taylor................................................................. Assistant Regional Director Joseph A. Meade ....................................................... Assistant Regional Director John Perez ................................................................. Assistant Regional Director 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 Mark Evans.................................................... 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 Terry Michlitsch ............................................. Field Supervisor/Risk Management Sandra Jesberger.................................................... Field Supervisor/Compliance Ninety-Fifth 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 Robert H. Rasche................................................................Executive Vice President Karl W. Ashman ....................................................................... Senior Vice President Mary H. Karr ............................................................................. Senior Vice President General Counsel & Corporate Secretary Kathleen O. Paese ................................................................... Senior Vice President Treasury Relations & Office Support Robert J. Schenk...................................................................... Senior Vice President Public and Community Affairs Julie L. Stackhouse .................................................................. Senior Vice President Banking Supervision, Credit and Center for Online Learning Christopher J. Waller................................................................Senior Vice President Director of Research Richard G. Anderson ...........................................................................Vice President & Research Automation Advisor John P. Baumgartner ...........................................................................Vice President Cash Management/Administration Timothy A. Bosch ................................................................................. Vice President Banking Supervision Marilyn K. Corona ................................................................................ Vice President Financial Management Cletus C. Coughlin ............................................................................... Vice President & Deputy Director of Research William T. Gavin ................................................................................... Vice President & Research Coordinator Jean M. Lovati ...................................................................................... Vice President Human Resources 15 16 Arkansas State Bank Department FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 (Continued) Michael J. Mueller ................................................................................ Vice President Support Services Kim D. Nelson ......................................................................................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 Suite 1000 (10th 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-Fifth 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 Janice J. McQuary .................................................... 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 Leigh R. Hoge ........................................................... Assistant Deputy Comptroller 17 18 Arkansas State Bank Department ARKANSAS BANKERS ASSOCIATION 1220 West Third Street Little Rock, Arkansas 72201 VOICE: (501) 376-3741 FAX: (501) 376-9243 http://www.arkbankers.org Ken D. Hammonds........................................................................ President & CEO Reynie Rutledge........................................................................................ Chairman Chairman First Security Bank, Searcy Charles Blanchard............................................................................. Vice Chairman Chairman & CEO First State Bank, Russellville Mary Beth Brooks...................................................................................... Treasurer President & CEO The Bank of Fayetteville, Fayetteville Joe Miles ...........................................................................................Past Chairman President First National Bank & Trust, Mountain Home Ninety-Fifth Report EMERGING LEADERS SECTION OFFICERS Paul McAnally.............................................................................................President Sr. Vice President Bank of Trumann, Trumann Chip Blanchard.......................................................................Senior Vice President Vice President Metropolitan National Bank, Fayetteville Mark Wilson........................................................................................Vice President Vice President First Arkansas Bank & Trust, Jacksonville Jennifer Ruhlman ..................................................................... Secretary/Treasurer Branch Manager Bank of the Ozarks, Little Rock Joe Blanks ......................................................................................... Past President Vice President Pine Bluff National Bank, Pine Bluff 19 20 Arkansas State Bank Department ARKANSAS COMMUNITY BANKERS ASSOCIATION P. O. Box 20210 Hot Springs, Arkansas 71903-0210 VOICE: (800) 771-1634 FAX: (501) 525-0637 EMail: info@acbonline.org http://www.acbonline.org Richard Trammell...........................................................................Executive Director Milton Smith.................................................................................................. President First National Bank of Lawrence County, Walnut Ridge Cole Martin ........................................................................................... Vice President First Security Bank, Searcy; Clarksville Office George Worthen...........................................................................................Treasurer Bank of Little Rock, Little Rock Don Walsh .................................................................................................... Secretary Farmers Bank and Trust Company, Magnolia Ninety-Fifth Report CONFERENCE OF STATE BANK SUPERVISORS 1155 Connecticut Avenue, NW, 5th Floor Washington, DC 20036 VOICE: (202) 296-2840 FAX: (202) 296-1928 http://www.csbs.org Neil Milner.........................................................................................President & CEO John Ryan ...........................................................................Executive Vice President Sharon Bias ............................................................................. Chief Financial Officer Cecelia Smith ................................................Executive Assistant/Office Coordinator Mary White .............................................................. Vice President/Communications Roger Stromberg.......................... Senior Vice President/Professional Development Georgia High ........................................Vice President, Accreditation & Certification/ Professional Development John “Buz” Gorman........................................................General Counsel/Legislative Ed Smith ........................................... Vice President, Membership & Bank Relations Mary Beth Quist................................. Senior Vice President/Supervisory Processes Michael Stevens......................................... Senior Vice President/Regulatory Policy William “Bill” Matthews ......... Senior Vice President/State Regulatory Registry, LLC Chuck Cross.......................................Vice President/Mortgage/Regulatory Projects 21 Arkansas State Bank Department 22 CONSOLIDATED REPORT OF CONDITION DATA 101 STATE CHARTERED COMMERCIAL BANKS (in millions) ASSETS JUNE 30, 2009 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin....................................... $729 b. Interest-bearing balances ................................................................................. 1,390 Securities: a. Held to maturity .................................................................................................... 841 b. Available-for sale............................................................................................... 6,267 Federal funds sold and securities purchased under agreements to resell ..................................................... 432 Net Loans and Leases....................................................................................................27,099 Trading assets ......................................................................................................................... 0 Premises and fixed assets................................................................................................ 1,150 Other real estate owned ...................................................................................................... 260 Goodwill and other intangibles ............................................................................................ 925 All other assets ................................................................................................................. 1,151 Total assets...................................................................................................................$40,244 LIABILITIES Deposits: a. In domestic offices ........................................................................................$31,773 (1) Noninterest-bearing ....................................................................4,434 (2) Interest-bearing.........................................................................27,339 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 ...................................................... 557 Trading liabilities ...................................................................................................................... 0 Other borrowed money.....................................................................................................3,358 Subordinated notes and debentures ....................................................................................... 2 All other liabilities ................................................................................................................. 311 Total liabilities..................................................................................................................36,001 EQUITY CAPITAL Minority interest in consolidated subsidiaries .......................................................................... 4 Perpetual preferred stock ........................................................................................................ 4 Common stock....................................................................................................................... 20 Surplus .............................................................................................................................. 2,289 Undivided profits ............................................................................................................... 1,926 Total equity capital ............................................................................................................ 4,243 Total liabilities, minority interest and equity capital ..................................................... $40,244 Ninety-Fifth Report 23 CONSOLIDATED STATEMENT OF CONDITION OF THE 54 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 2009 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 ..................................................................($5) b. Other Institutions .................................................................................................. 0 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions ..................................................................321 b. Other Institutions ..............................................................................................188 U.S. Government and Agency Obligations ................................................................453 State, County and Municipal Obligations ...................................................................252 Other Short-Term Obligations ...................................................................................... 30 Other Notes and Bonds ................................................................................................ 62 Money Market Funds ..................................................................................................322 Other Mutual Funds ....................................................................................................249 Stocks..........................................................................................................................651 Collective Investment Fund Units ................................................................................... 0 Real Estate Mortgages ................................................................................................. 22 Real Estate..................................................................................................................208 Miscellaneous Assets ................................................................................................... 61 Other ..........................................................................................................................(61) Total .....................................................................................................................$2,753 LIABILITIES Personal Accounts: 16. Personal Trusts........................................................................................................ $572 17. Estates & Guardianships ..............................................................................................50 Employee Benefit Accounts: 18. Trusts ..........................................................................................................................361 19. Agencies .....................................................................................................................135 All Other Agencies: 20. Investment Mgmt & Advisory......................................................................................464 21. Custodial .....................................................................................................................574 22. All Other ........................................................................................................................ 47 Corporate and Municipal Securities Appointments: 23. Bond Trusteeships ......................................................................................................479 24. Agencies ....................................................................................................................... 71 Collective Investment Funds: 25. Employee Benefits .......................................................................................................... 0 26. Other .............................................................................................................................. 0 27. Profit Accounts................................................................................................................ 0 28. Suspense Accounts ........................................................................................................ 0 29. Total .....................................................................................................................$2,753 24 Arkansas State Bank Department CONSOLIDATED REPORT OF CONDITION DATA 29 NATIONAL BANKS (in millions) ASSETS JUNE 30, 2009 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin....................................... $333 b. Interest-bearing balances .................................................................................... 196 Securities: a. Held-to-maturity.................................................................................................... 436 b. Available-for-sale .............................................................................................. 1,781 Federal funds sold and securities purchased under agreements to resell ..................................................... 223 Net loans and leases ........................................................................................................ 7,097 Trading assets ......................................................................................................................... 5 Premises and fixed assets................................................................................................... 316 Other real estate owned ........................................................................................................ 86 Goodwill and other intangibles ............................................................................................ 118 All other assets .................................................................................................................... 315 Total assets...................................................................................................................$10,906 LIABILITIES Deposits: a. In domestic offices ..........................................................................................$8,799 (1) Noninterest-bearing ....................................................................1,303 (2) Interest-bearing...........................................................................7,496 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 ...................................................... 256 Trading liabilities ...................................................................................................................... 0 Other borrowed money........................................................................................................584 Subordinated notes and debentures ....................................................................................... 0 All other liabilities ................................................................................................................... 64 Total liabilities.................................................................................................................... 9,703 Minority interest in consolidated subsidiaries .......................................................................... 0 EQUITY CAPITAL Perpetual preferred stock ........................................................................................................ 0 Common stock....................................................................................................................... 15 Surplus ................................................................................................................................. 515 Undivided profits .................................................................................................................. 673 Total equity capital ............................................................................................................ 1,203 Total liabilities, minority interest and equity capital ..................................................... $10,906 Ninety-Fifth Report 25 TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2009 BANK CITY Southern Bancorp Bank of Arkansas Summit Bank First National Banking Company The Bank of Augusta Citizens State Bank The Citizens Bank First Community Bank First Southern Bank Bank of Bearden The First National Bank of Berryville Farmers Bank and Trust Company The First National Bank in Blytheville 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, N. A. Bank of England The Eudora Bank Cornerstone Bank Arvest Bank Arkadelphia Arkadelphia Ash Flat Augusta Bald Knob Batesville Batesville Batesville Bearden Berryville Blytheville 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 RATIO 9.88 8.52 9.67 12.07 8.99 9.99 7.44 12.29 18.20 13.77 7.97 9.50 8.07 11.43 10.92 27.83 10.50 10.77 9.92 9.74 8.92 13.51 10.56 12.10 18.77 7.16 8.72 14.99 8.81 8.60 7.18 9.54 9.65 9.92 7.30 26 Arkansas State Bank Department BANK CITY Bank of Arkansas, N. A. The Bank of Fayetteville Signature Bank of Arkansas 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 Planters & Merchants Bank Bank of Gravett The First National Bank in Green Forest First Service Bank Farmers Bank Farmers Bank Calhoun County Bank Community First Bank Heber Springs State 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 Liberty Bank of Arkansas Simmons First Bank of Jonesboro Bank of Lake Village Simmons First Bank of South Arkansas Little River Bank Arkansas Bankers 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 Fayetteville Fayetteville Fayetteville Flippin Fordyce Forrest City Forrest City Fort Smith Gillett Gravette Green Forest Greenbrier Greenwood Hamburg Hampton Harrison Heber Springs 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 Little Rock Lonoke Magnolia Magnolia RATIO 11.16 8.26 8.39 16.12 10.22 11.35 11.90 12.57 14.19 12.36 9.84 8.08 19.11 15.00 9.34 8.28 10.27 13.53 10.67 10.92 8.02 8.50 13.45 12.11 10.21 9.96 8.69 8.50 8.75 9.24 8.74 8.38 11.87 8.84 19.17 8.17 7.33 9.83 8.74 8.25 7.33 Ninety-Fifth Report 27 BANK CITY The Malvern National Bank First Community Bank of Eastern Arkansas First Delta Bank Bank of McCrory The First National Bank of McGehee 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 State Bank Merchants & Planters Bank National Bank of Arkansas in North Little Rock First National Bank Southern Bank of Commerce 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 Malvern Marion Marked Tree McCrory McGehee McGehee Mena Monticello Monticello Morrilton Mountain Home Mountain View Mulberry Murfreesboro Newport North Little Rock Paragould 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 RATIO 11.03 11.48 9.76 11.42 13.22 14.70 8.33 9.38 8.65 10.11 11.74 22.02 7.71 8.71 7.51 8.15 10.84 3.06 11.51 8.83 9.54 10.42 7.49 8.00 14.35 18.59 9.82 12.13 9.32 9.88 12.12 10.47 16.75 8.08 9.86 12.53 10.46 7.55 11.77 9.33 12.29 28 Arkansas State Bank Department BANK CITY Security Bank The Farmers & Merchants Bank Bank of Trumann Citizens Bank & Trust Company First Community Bank of Crawford County The First National Bank of Lawrence County First State Bank of Warren Warren Bank and Trust Company Southern Bancorp Bank, N. A. Evolve Bank & Trust Fidelity National Bank Cross County Bank The First National Bank of Wynne Stephens Stuttgart Trumann Van Buren Van Buren Walnut Ridge Warren Warren West Helena West Memphis West Memphis Wynne Wynne RATIO 8.19 9.29 16.47 9.86 9.05 10.83 9.95 11.66 9.58 9.38 9.37 11.47 10.04 Ninety-Fifth Report 29 NATIONAL BANKS JUNE 30, 2009 (000’s omitted) BANK CITY First National Banking Company The First National Bank of Berryville The First National Bank in Blytheville The First National Bank of Izard County First National Bank of Crossett Simmons First Bank of El Dorado, N.A. Bank of Arkansas, N.A. 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 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 Southern Bancorp Bank, N.A. Fidelity National Bank The First National Bank of Wynne Ash Flat Berryville Blytheville Calico Rock Crossett El Dorado Fayetteville Forrest City Forrest City Fort Smith Green Forest Helena Hot Springs Little Rock Little Rock Malvern McGehee Mountain Home Mountain View North Little Rock Paragould Paris Pine Bluff Pine Bluff Springdale Walnut Ridge West Helena West Memphis Wynne ASSETS 391,449 136,199 203,414 137,225 161,594 265,735 323,677 283,191 52,865 1,015,957 340,457 159,686 704,898 1,593,434 417,928 403,309 46,553 395,101 24,270 204,531 622,386 110,733 369,141 1,382,689 232,600 167,374 204,269 287,265 268,248 REPORT OF THE ONE HUNDRED ONE STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2009 Arkansas State Bank Department 32 Southern Bancorp Bank of Arkansas Arkadelphia, AR VOICE: (870) 246-5811 FAX: (870) 246-5284 Trust Powers: Yes 601 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 Chm/CEO: William G. Wright VP: Ken Armstrong Pres: Alan Sing Cash and Due from:..................................... 10,230 Federal Funds and Repos: .......................... 17,530 Investments: ................................................ 59,466 Net Loans: ................................................. 214,780 Premises and Fixed Assets: .......................... 7,029 Other Real Estate: ............................................ 652 Other Assets: ............................................... 15,208 Total Assets: .............................................. 324,895 Total Trust Assets:................................................ 0 Deposits:.................................................... 268,781 Federal Funds and Borrowings: .................. 28,020 Other Liabilities:............................................. 1,637 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 298,438 Total Equity Capital: .................................... 26,457 Total Liabilities and Capital:....................... 324,895 Number of Shares Outstanding: .................. 24,000 Directors: Phillip N. Baldwin; Ronald Echols; Scott Fife; Dr. Noland Hagood, Jr.; James W. Harrington; Dr. Rex Horne; Geneva Hunter; Wendell Ketchum; Michael Kolb; Mary Jo Mann; Veda R. Morgan; Alan Sing; William G. Wright Branches in Town: Two Other Branches: Bismarck, El Dorado (3), Hot Springs, Malvern Summit Bank Arkadelphia, AR VOICE: (870) 246-8070 FAX: (870) 246-7122 Trust Powers: No 409 Main Street 71923-0965 Charter Number: 767 Date: December 2, 1996 FDIC Certificate Number: 34433 Home Page: www.summitbankdirect.com Bank Holding Company Summit Bancorp, Inc., Arkadelphia, AR Chm: Ross M. Whipple Pres/COO: Marcus J. McCain CEO: Conner Eldridge EVP/CFO: Christopher M. Wewers Cash and Due from:..................................... 99,159 Federal Funds and Repos: ............................... 500 Investments: .............................................. 179,959 Net Loans: ................................................. 733,449 Premises and Fixed Assets: ........................ 14,100 Other Real Estate: ......................................... 1,865 Other Assets: ............................................... 35,959 Total Assets: ........................................... 1,064,991 Total Trust Assets:................................................ 0 Deposits:.................................................... 807,505 Federal Funds and Borrowings: ................ 162,341 Other Liabilities:............................................. 4,553 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 974,399 Total Equity Capital: .................................... 90,592 Total Liabilities and Capital:.................... 1,064,991 Number of Shares Outstanding: .................... 3,100 Directors: Rodney Bobo; Elton E. Buck; Steve DeMott; Mike Duke; W. Conner Eldridge; 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, Hope (2), Hot Springs (5), Hot Springs Village, Little Rock (3), Magnolia (2), Malvern (2) Ninety-Fifth Report 33 The Bank of Augusta Augusta, AR VOICE: (870) 347-2511 FAX: (870) 347-2654 Trust Powers: Yes Chm: John R. Eldridge CEO/Pres: Charles P. Eldridge 100 South Second Street 72006-0120 Charter Number: 669 Date: February 20, 1935 FDIC Certificate Number: 15035 Bank Holding Company None VP: Ronnie Jones VP/TO: Martha Ray Cash and Due from:....................................... 1,870 Federal Funds and Repos: ............................ 2,565 Investments:................................................. 22,723 Net Loans:.................................................... 25,240 Premises and Fixed Assets: ............................. 201 Other Real Estate: ................................................ 0 Other Assets: ................................................. 2,254 Total Assets: ................................................ 54,853 Total Trust Assets: ......................................... 1,511 Deposits: ...................................................... 47,146 Federal Funds and Borrowings:............................ 0 Other Liabilities: ............................................. 1,090 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 48,236 Total Equity Capital:....................................... 6,617 Total Liabilities and Capital:......................... 54,853 Number of Shares Outstanding: .................... 8,000 Directors: Dr. Steven Collier; Winston Collier; W. P. Daniel, Jr.; W. P. Daniel, III; Charlie Eldridge; John R. Eldridge; R. E. Gregory, Jr.; Ronald Jones Branches in Town: One Other Branches: None 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/Sec: Molly H. Kircher EVP: Wendell Nier CEO/Pres/TO: Larry E. Kircher SVP/Cash: Peggy Reed Cash and Due from:....................................... 1,865 Federal Funds and Repos: ............................ 4,415 Investments:................................................. 43,515 Net Loans:.................................................... 24,502 Premises and Fixed Assets: ............................. 917 Other Real Estate: .............................................. 26 Other Assets: ................................................. 3,665 Total Assets: ................................................ 78,905 Total Trust Assets: ......................................... 4,461 Deposits: ...................................................... 70,497 Federal Funds and Borrowings:............................ 0 Other Liabilities: ............................................. 1,041 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 71,538 Total Equity Capital:....................................... 7,367 Total Liabilities and Capital:......................... 78,905 Number of Shares Outstanding: .................... 4,000 Directors: Bob J. Clark; Larry E. Kircher; Molly H. Kircher; Wendell Nier; James W. Staggs Branches in Town: Two Other Branches: Bradford 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 EVP: David Ford SVP/TO: Robin Brock EVP/Sec: Greg Shaver Cash and Due from:....................................... 9,687 Federal Funds and Repos: ............................ 2,110 Investments: .............................................. 115,855 Net Loans: ................................................. 344,403 Premises and Fixed Assets: .......................... 8,875 Other Real Estate: ............................................ 966 Other Assets: ............................................... 11,662 Total Assets: .............................................. 493,558 Total Trust Assets:....................................... 75,506 Deposits:.................................................... 391,239 Federal Funds and Borrowings: .................. 52,645 Other Liabilities:............................................. 1,752 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 445,636 Total Equity Capital: .................................... 47,922 Total Liabilities and Capital:....................... 493,558 Number of Shares Outstanding: .................. 16,500 Directors: Alan Bufford; Virginia Henry; Dr. Lackey G. Moody, M.D.; Doyle "Rog" Rogers, Jr.; Doyle W. Rogers; Jay F. Shell; Kay Southerland; Jeffery F. Teague; Paula Terrell Branches in Town: Six Other Branches: Cave City, Imboden, Mountain View, Pleasant Plains 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: Betty Campbell Cash and Due from:....................................... 9,860 Federal Funds and Repos: ................................... 0 Investments: ................................................ 87,651 Net Loans: ................................................. 463,092 Premises and Fixed Assets: ........................ 14,632 Other Real Estate: ......................................... 1,430 Other Assets: ............................................... 11,040 Total Assets: .............................................. 587,705 Total Trust Assets:....................................... 89,030 Deposits:.................................................... 452,133 Federal Funds and Borrowings: .................. 89,784 Other Liabilities:............................................. 2,142 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 544,059 Total Equity Capital: .................................... 43,646 Total Liabilities and Capital:....................... 587,705 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, Goodman[MO], Hardy, Jane[MO], Neosho[MO], Searcy (3) Ninety-Fifth Report 35 First Southern Bank Batesville, AR VOICE: (870) 612-1212 FAX: (870) 698-1155 Trust Powers: No 1583 South St. Louis Street 72501-7627 Charter Number: 788 Date: July 21, 2005 FDIC Certificate Number: 58052 Home Page: www.firstsouthernbk.com Bank Holding Company None CEO/Pres: Woody Castleberry SVP: Randy Cross SVP: Lee Conditt SVP: Floren King Cash and Due from:.......................................... 730 Federal Funds and Repos: ............................ 2,350 Investments:................................................. 14,746 Net Loans:.................................................... 90,332 Premises and Fixed Assets: .......................... 1,628 Other Real Estate: ............................................ 205 Other Assets: ................................................. 1,333 Total Assets: .............................................. 111,324 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 95,724 Federal Funds and Borrowings:..................... 1,600 Other Liabilities: ................................................ 412 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 97,736 Total Equity Capital:..................................... 13,588 Total Liabilities and Capital:....................... 111,324 Number of Shares Outstanding: ................ 129,463 Directors: Woody Castleberry; Charlie Eldridge; Todd Greer; John Gregg; Arch Jones; Steven Jordan; Larry Shaw; Mart Thaxton; Edwin Wiedower; Tom Williams; David Wyatt Branches in Town: None Other Branches: None 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:....................................... 3,953 Federal Funds and Repos: ............................ 1,955 Investments:................................................... 4,233 Net Loans:.................................................... 23,064 Premises and Fixed Assets: ............................. 126 Other Real Estate: ................................................ 0 Other Assets: .................................................... 275 Total Assets: ................................................ 33,606 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 27,755 Federal Funds and Borrowings:............................ 0 Other Liabilities: .................................................. 60 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 27,815 Total Equity Capital:....................................... 5,791 Total Liabilities and Capital:......................... 33,606 Number of Shares Outstanding: .................... 8,300 Directors: John E. Anthony; Steven M. Anthony; O. D. Cathey; Rick Green; Kenneth D. Keeton; Ronald A. Ramsay; Ken Riley; Russell G. Weatherly; Betty Word Branches in Town: None Other Branches: None Arkansas State Bank Department 36 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 VP/TO: Ron Dawson Cash and Due from:..................................... 14,382 Federal Funds and Repos: ................................... 0 Investments: ................................................ 44,170 Net Loans: ................................................. 302,706 Premises and Fixed Assets: .......................... 9,734 Other Real Estate: ......................................... 6,057 Other Assets: ................................................. 6,617 Total Assets: .............................................. 383,666 Total Trust Assets:....................................... 16,235 Deposits:.................................................... 323,553 Federal Funds and Borrowings: .................. 26,917 Other Liabilities:............................................. 1,916 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 352,386 Total Equity Capital: .................................... 31,280 Total Liabilities and Capital:....................... 383,666 Number of Shares Outstanding: .................. 40,000 Directors: 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) 675-3000 FAX: (479) 675-4477 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/CEO: John T. Hampton Reg Pres: Jerry Standridge Reg Pres: Nathan E. Gairhan EVP/CFO: Lynne Coan Cash and Due from:....................................... 8,122 Federal Funds and Repos: ............................ 6,040 Investments: ................................................ 30,772 Net Loans: ................................................. 213,026 Premises and Fixed Assets: ........................ 10,850 Other Real Estate: ....................................... 11,762 Other Assets: ............................................... 11,206 Total Assets: .............................................. 291,778 Total Trust Assets:................................................ 0 Deposits:.................................................... 256,800 Federal Funds and Borrowings: .................... 7,557 Other Liabilities:............................................. 3,292 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 267,649 Total Equity Capital: .................................... 24,129 Total Liabilities and Capital:....................... 291,778 Number of Shares Outstanding: ................ 100,000 Directors: Dan Brown; Nathan E. Gairhan; John T. Hampton; John Mack; Jack McHaney; David Remy; Howard L. Slinkard; Craig Smith; Jerry Standridge; Johnny Williams; DeAnne Witherspoon, O.D.; Jane Woolley; Shirley Young Branches in Town: One Other Branches: Bella Vista, Bentonville, Caulksville, Fort Smith, Magazine, Rogers (3) Ninety-Fifth Report 37 Community State Bank Bradley, AR VOICE: (870) 894-3322 FAX: (870) 894-3324 Trust Powers: No 208 West Fourth Street 71826-0120 Charter Number: 653 Date: April 10, 1933 FDIC Certificate Number: 5619 Bank Holding Company Community State Bancshares, Inc., Bradley, AR Chm/Pres: Jerry G. Hartline VP: Sherri Jones EVP: Jeff Hobbs VP/Cash: Regina Wootton Cash and Due from:....................................... 3,287 Federal Funds and Repos: ............................ 1,445 Investments:................................................... 4,096 Net Loans:...................................................... 9,503 Premises and Fixed Assets: ............................. 181 Other Real Estate: ............................................ 321 Other Assets: .................................................... 108 Total Assets: ................................................ 18,941 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 16,830 Federal Funds and Borrowings:............................ 0 Other Liabilities: .................................................. 48 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 16,878 Total Equity Capital:....................................... 2,063 Total Liabilities and Capital:......................... 18,941 Number of Shares Outstanding: .................. 10,000 Directors: Jerry G. Hartline; Sharon Hartline; Jeffrey C. Hobbs Branches in Town: None Other Branches: None Heartland Community 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.heartlandbankonline.com Member of Federal Reserve System Bank Holding Company Rock Bancshares, Inc., Little Rock, AR CEO/Pres: Clyde H. Henderson SVP: Phil Thomas SVP: Mark S. Hoffpauir CFO/COO: Judy R. Lawton Cash and Due from:....................................... 2,478 Federal Funds and Repos: ............................ 1,690 Investments:................................................. 10,501 Net Loans:.................................................... 82,610 Premises and Fixed Assets: .......................... 4,798 Other Real Estate: ............................................ 950 Other Assets: ................................................. 8,468 Total Assets: .............................................. 111,495 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 72,654 Federal Funds and Borrowings:................... 22,694 Other Liabilities: ................................................ 538 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 95,886 Total Equity Capital:..................................... 15,609 Total Liabilities and Capital:....................... 111,495 Number of Shares Outstanding: ................ 487,958 Directors: Steve Didion; Clyde H. Henderson; L. Walter Quinn Branches in Town: None Other Branches: Fordyce, Sheridan Arkansas State Bank Department 38 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 Bank Holding Company Sharp Bancshares, Inc., Cave City, AR Chm/CEO/Pres/TO: Samuel F. Beller SVP/Cash: Wanda Daniel SVP: Gayla Hickman Cash and Due from:....................................... 3,163 Federal Funds and Repos: ............................ 1,485 Investments: ................................................ 26,043 Net Loans: ................................................... 57,564 Premises and Fixed Assets: ............................. 952 Other Real Estate: ............................................ 779 Other Assets: ................................................. 6,430 Total Assets: ................................................ 96,416 Total Trust Assets:................................................ 0 Deposits:...................................................... 76,724 Federal Funds and Borrowings: .................... 7,979 Other Liabilities:............................................. 1,349 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 86,052 Total Equity Capital: .................................... 10,364 Total Liabilities and Capital:......................... 96,416 Number of Shares Outstanding: .................... 4,000 Directors: Samuel F. Beller; Dennis Esteb; Margie Pettersen; Bruce Street; Scott Street Branches in Town: None Other Branches: Evening Shade, Lynn, Strawberry 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:....................................... 6,482 Federal Funds and Repos: ............................ 2,630 Investments: ................................................ 15,246 Net Loans: ................................................... 11,438 Premises and Fixed Assets: ............................. 231 Other Real Estate: ............................................ 116 Other Assets: .................................................... 310 Total Assets: ................................................ 36,453 Total Trust Assets:................................................ 0 Deposits:...................................................... 32,243 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 174 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 32,417 Total Equity Capital: ...................................... 4,036 Total Liabilities and Capital:......................... 36,453 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 Ninety-Fifth Report 39 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:..................................... 49,823 Federal Funds and Repos: .......................... 31,805 Investments:............................................... 307,090 Net Loans:............................................... 1,930,900 Premises and Fixed Assets: ........................ 69,875 Other Real Estate: ....................................... 17,605 Other Assets: ............................................. 163,412 Total Assets: ........................................... 2,570,510 Total Trust Assets: ................................................ 0 Deposits: ................................................. 1,905,231 Federal Funds and Borrowings:................. 342,872 Other Liabilities: ........................................... 16,500 Subordinated Debt:............................................... 0 Total Liabilities: ....................................... 2,264,603 Total Equity Capital:................................... 305,907 Total Liabilities and Capital:.................... 2,570,510 Number of Shares Outstanding: .................... 2,400 Directors: Milburn Adams; Robert H. Adcock, Jr.; John W. Allison; William C. Brazil; Dale Bruns; Jack Engelkes; William J. Farris, Jr.; Kevin Hester; Randy E. Mayor; Jim Rankin, Jr.; C. Randall Sims; Ron Strother Branches in Town: Six Other Branches: Beebe (2), Big Key Pine[FL], Bryant, Cabot (5), Fordyce, Greenbrier, Heber Springs, Islamorada[FL], Jacksonville (3), Key Largo[FL], Key West[FL] (2), Little Rock (10), Marathon[FL] (3), Marco Island[FL], Mayflower, Morrilton, Mountain View (2), North Little Rock (6), Port Charlotte[FL], Punta Gorda[FL], Quitman, Rison, Searcy (3), Sherwood (2), Summerland Key[FL], Vilonia, Ward 40 Arkansas State Bank Department 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 SVP: Sue C. Gwin CEO/Pres: Howard M. Beaty, Jr. VP: David H. Bell Cash and Due from:....................................... 1,451 Federal Funds and Repos: ............................... 610 Investments: ................................................ 11,866 Net Loans: ................................................... 19,535 Premises and Fixed Assets: .......................... 1,422 Other Real Estate: ............................................ 748 Other Assets: ................................................. 1,132 Total Assets: ................................................ 36,764 Total Trust Assets:................................................ 0 Deposits:...................................................... 33,373 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 169 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 33,542 Total Equity Capital: ...................................... 3,222 Total Liabilities and Capital:......................... 36,764 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:....................................... 6,657 Federal Funds and Repos: ............................ 7,115 Investments: ................................................ 68,458 Net Loans: ................................................. 580,350 Premises and Fixed Assets: ........................ 12,983 Other Real Estate: ......................................... 7,580 Other Assets: ............................................... 36,747 Total Assets: .............................................. 719,890 Total Trust Assets:................................................ 0 Deposits:.................................................... 570,132 Federal Funds and Borrowings: .................. 42,640 Other Liabilities:............................................. 6,636 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 619,408 Total Equity Capital: .................................. 100,482 Total Liabilities and Capital:....................... 719,890 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, Dardanelle, Elkins (2), Fayetteville, Fort Smith (2), Goshen, Havana, Hot Springs, Hot Springs Village, Johnson, Kirby, Mansfield, Mena, Rogers, Springdale, Waldron Ninety-Fifth Report 41 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 Pres: Ronald L. Taylor Cash: Janelle Parker SVP: Thomas C. Berryhill Cash and Due from:..................................... 25,348 Federal Funds and Repos: ................................... 0 Investments:................................................... 7,230 Net Loans:.................................................. 115,808 Premises and Fixed Assets: .......................... 7,167 Other Real Estate: ............................................ 727 Other Assets: ................................................. 3,431 Total Assets: .............................................. 159,711 Total Trust Assets: ................................................ 0 Deposits: .................................................... 135,500 Federal Funds and Borrowings:..................... 6,446 Other Liabilities: ................................................ 642 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 142,588 Total Equity Capital:..................................... 17,123 Total Liabilities and Capital:....................... 159,711 Number of Shares Outstanding: .................... 8,000 Directors: Dee Abrams; Thomas C. Berryhill; Bunny Bullock; Tom Ed Bullock; William R. Bullock, Sr.; Fanny George; Blake Tarpley; Ronald L. Taylor; Adam C. Waldron 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: Richard E. Wilmoth Cash: Wanda Tormey CEO/Pres: Vernon L. Austin Cash and Due from:....................................... 3,351 Federal Funds and Repos: ................................... 0 Investments:................................................. 18,786 Net Loans:.................................................. 156,463 Premises and Fixed Assets: .......................... 4,345 Other Real Estate: ......................................... 3,410 Other Assets: ................................................. 4,618 Total Assets: .............................................. 190,973 Total Trust Assets: ................................................ 0 Deposits: .................................................... 127,608 Federal Funds and Borrowings:................... 39,600 Other Liabilities: ................................................ 596 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 167,804 Total Equity Capital:..................................... 23,169 Total Liabilities and Capital:....................... 190,973 Number of Shares Outstanding: .................... 7,000 Directors: Vernon L. Austin; Larry D. Curran; Tom M. Edmiston; Debbie Evans; Paul Galyean; Aaron Holcombe; R. Mark Londagin; Adam McGhee; Richard E. Wilmoth Branches in Town: None Other Branches: Gentry, Siloam Springs Arkansas State Bank Department 42 Bank of Delight Delight, AR VOICE: (870) 379-2293 FAX: (870) 379-2575 Trust Powers: No 503 East Antioch 71940-0068 Chm/CEO: Darwin Hendrix Pres: Glenn Vasser Charter Number: 342 Date: June 16, 1911 FDIC Certificate Number: 99 Bank Holding Company None SVP: Rusty Silvey COO/VP: Vince Grimes Cash and Due from:..................................... 11,773 Federal Funds and Repos: ............................... 460 Investments: ................................................ 19,649 Net Loans: ................................................... 47,900 Premises and Fixed Assets: ............................. 321 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,262 Total Assets: ................................................ 81,365 Total Trust Assets:................................................ 0 Deposits:...................................................... 65,460 Federal Funds and Borrowings: ....................... 137 Other Liabilities:................................................ 163 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 65,760 Total Equity Capital: .................................... 15,605 Total Liabilities and Capital:......................... 81,365 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:....................................... 2,586 Federal Funds and Repos: ............................ 3,255 Investments: ................................................ 16,574 Net Loans: ................................................. 111,103 Premises and Fixed Assets: .......................... 4,664 Other Real Estate: ............................................ 319 Other Assets: ................................................. 4,171 Total Assets: .............................................. 142,672 Total Trust Assets:................................................ 0 Deposits:.................................................... 118,879 Federal Funds and Borrowings: .................. 12,580 Other Liabilities:............................................. 1,312 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 132,771 Total Equity Capital: ...................................... 9,901 Total Liabilities and Capital:....................... 142,672 Number of Shares Outstanding: .................. 76,000 Directors: Julie Brown; Michael Buffington; Gary L. Golden; Ronald Moore; Edward Revels; Dennis Smiley; Don Stemple Branches in Town: One Other Branches: Dierks, Lockesburg, Murfreesboro Ninety-Fifth Report 43 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 Bank Holding Company DeWitt First Bankshares Corporation, DeWitt, AR Chm/CEO/Pres: Warren A. Jennings, Sr. VP/Cash: Mary Jacobs SVP: Sherry P. Criswell VP/TO: Gena M. Jennings Cash and Due from:..................................... 26,679 Federal Funds and Repos: ................................... 0 Investments:................................................. 26,241 Net Loans:.................................................... 87,076 Premises and Fixed Assets: .......................... 5,239 Other Real Estate: .............................................. 35 Other Assets: ................................................. 2,125 Total Assets: .............................................. 147,395 Total Trust Assets: ....................................... 20,971 Deposits: .................................................... 119,971 Federal Funds and Borrowings:................... 13,984 Other Liabilities: .................................................. 97 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 134,052 Total Equity Capital:..................................... 13,343 Total Liabilities and Capital:....................... 147,395 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:..................................... 33,845 Federal Funds and Repos: ................................... 0 Investments:................................................... 8,035 Net Loans:.................................................... 56,999 Premises and Fixed Assets: ............................. 718 Other Real Estate: ......................................... 1,344 Other Assets: ................................................. 4,274 Total Assets: .............................................. 105,215 Total Trust Assets: ....................................... 30,035 Deposits: ...................................................... 80,493 Federal Funds and Borrowings:..................... 8,601 Other Liabilities: ................................................ 194 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 89,288 Total Equity Capital:..................................... 15,927 Total Liabilities and Capital:....................... 105,215 Number of Shares Outstanding: .................. 54,000 Directors: Donald Ray Dickson; James L. Fly, Jr.; Alton R. Hampton; David L. Jessup; Charles E. Lumsden; Nancy F. Rasco; Jack Whitmore Branches in Town: None Other Branches: St. Charles 44 Arkansas State Bank Department 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:....................................... 5,574 Federal Funds and Repos: ............................ 5,520 Investments: ................................................ 19,921 Net Loans: ................................................... 39,941 Premises and Fixed Assets: .......................... 3,771 Other Real Estate: ................................................ 0 Other Assets: ................................................. 4,350 Total Assets: ................................................ 79,077 Total Trust Assets:....................................... 25,960 Deposits:...................................................... 70,999 Federal Funds and Borrowings: ....................... 733 Other Liabilities:................................................ 245 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 71,977 Total Equity Capital: ...................................... 7,100 Total Liabilities and Capital:......................... 79,077 Number of Shares Outstanding: .................. 40,000 Directors: L. Ashton Adcock; Jimmie L. Appleberry; Benny M. Estes; L. Sue Frank; Bruce Gasaway; Marion S. Gill; 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:..................................... 14,320 Federal Funds and Repos: .......................... 14,802 Investments: ................................................ 19,365 Net Loans: ................................................. 522,336 Premises and Fixed Assets: ........................ 10,316 Other Real Estate: ......................................... 8,584 Other Assets: ............................................... 28,087 Total Assets: .............................................. 617,810 Total Trust Assets:................................................ 0 Deposits:.................................................... 466,634 Federal Funds and Borrowings: .................. 92,764 Other Liabilities:............................................. 2,576 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 561,974 Total Equity Capital: .................................... 55,836 Total Liabilities and Capital:....................... 617,810 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; William C. Nolan, Jr.; Gary W. Sewell; Dr. Stephen C. Smart; Louis Knox White Branches in Town: Five Other Branches: Carthage[MS], Senatobia[MS], Smackover Ninety-Fifth Report 45 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: Bobby Montgomery EVP: Hanna B. Canada Cash: Sheila Rice Cash and Due from:....................................... 4,121 Federal Funds and Repos: ................................... 0 Investments:................................................. 24,734 Net Loans:.................................................. 149,223 Premises and Fixed Assets: .......................... 3,221 Other Real Estate: ......................................... 1,617 Other Assets: ................................................. 7,535 Total Assets: .............................................. 190,451 Total Trust Assets: ................................................ 0 Deposits: .................................................... 150,866 Federal Funds and Borrowings:................... 20,177 Other Liabilities: ............................................. 2,265 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 173,308 Total Equity Capital:..................................... 17,143 Total Liabilities and Capital:....................... 190,451 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 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., Eudora, AR Chm: Charles F. Poole CEO/Pres: Gene Keith Cash and Due from:....................................... 1,986 Federal Funds and Repos: ................................... 0 Investments:................................................. 12,364 Net Loans:.................................................... 14,476 Premises and Fixed Assets: ............................. 171 Other Real Estate: ................................................ 0 Other Assets: .................................................... 600 Total Assets: ................................................ 29,597 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 25,764 Federal Funds and Borrowings:..................... 1,030 Other Liabilities: .................................................. 95 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 26,889 Total Equity Capital:....................................... 2,708 Total Liabilities and Capital:......................... 29,597 Number of Shares Outstanding: .................. 14,000 Directors: Kay Avery; Robert D. Avery; Fred W. Hensley; Roger Hensley, Sr.; Gene Keith; Charles F. Poole; W. R. Selman Branches in Town: None Other Branches: None 46 Arkansas State Bank Department 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 Cash and Due from:....................................... 1,927 Federal Funds and Repos: ................................... 0 Investments: ................................................ 24,380 Net Loans: ................................................... 90,593 Premises and Fixed Assets: .......................... 8,382 Other Real Estate: ............................................ 420 Other Assets: ................................................. 5,124 Total Assets: .............................................. 130,826 Total Trust Assets:................................................ 0 Deposits:...................................................... 98,781 Federal Funds and Borrowings: .................. 18,720 Other Liabilities:................................................ 568 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 118,069 Total Equity Capital: .................................... 12,757 Total Liabilities and Capital:....................... 130,826 Number of Shares Outstanding: .................... 4,000 Directors: Genes L. Bland; Charles T. Cross; Claude C. 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 Ninety-Fifth Report 47 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: Phillip O. Porter Cash and Due from:................................ 1,072,899 Federal Funds and Repos: ................................... 0 Investments:............................................... 902,100 Net Loans:............................................... 7,503,736 Premises and Fixed Assets: ...................... 332,591 Other Real Estate: ....................................... 40,829 Other Assets: ............................................. 897,417 Total Assets: ......................................... 10,749,572 Total Trust Assets: ................................................ 0 Deposits: ................................................. 8,727,157 Federal Funds and Borrowings:................. 895,940 Other Liabilities: ......................................... 117,443 Subordinated Debt:............................................... 0 Total Liabilities: ....................................... 9,740,540 Total Equity Capital:................................ 1,009,032 Total Liabilities and Capital:.................. 10,749,572 Number of Shares Outstanding: ................ 350,692 Directors: Claudia Bratcher; Cliff Gibbs; Scott Grigsby; J. Robert Kelly; Bradley Krieger; Mel Parks; Phillip O. Porter; K. Kevin Sabin; Jim C. Walton Branches in Town: 10 Other Branches: Ada[OK], Alma, Anderson[MO], Bartlesville[OK] (5), Bella Vista (3), Benton, Bentonville (7), Berryville (2), Branson[MO] (2), Broken Arrow[OK] (3), 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), Eufaula[OK], Eureka Springs, Farmington, Flippin, Fort Smith (10), Gentry, Gravette, Greenwood, Grove[OK], Harrison (3), Hindsville, Holiday Island, Hollister[MO], Hot Springs (3), Hot Springs Village, Huntsville (2), Jacksonville, Jay[OK], Jenks[OK], Joplin[MO] (6), Kansas [OK], Lawton[OK] (4), Lead Hill, Lincoln, Little Rock (9), Lonoke, Lowell, Maumelle, McAlester[OK], Mena, Miami[OK], Midwest City[OK], 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] (8), Okmulgee[OK], 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 (7), Springfield[MO] (2), Stillwater[OK] (2), Stilwell[OK], Tahlequah[OK], Tulsa[OK] (19), Van Buren (3), Vinita[OK], Wagoner[OK], Walters[OK], Webb City[MO], West Fork, Westville[OK], Yellville, Yukon[OK] 48 Arkansas State Bank Department 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:..................................... 24,780 Federal Funds and Repos: ............................... 435 Investments: ................................................ 71,475 Net Loans: ................................................. 360,331 Premises and Fixed Assets: .......................... 9,632 Other Real Estate: ....................................... 10,750 Other Assets: ............................................... 16,254 Total Assets: .............................................. 493,657 Total Trust Assets:....................................... 63,765 Deposits:.................................................... 349,832 Federal Funds and Borrowings: .................. 97,216 Other Liabilities:............................................. 2,277 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 449,325 Total Equity Capital: .................................... 44,332 Total Liabilities and Capital:....................... 493,657 Number of Shares Outstanding: ................ 784,325 Directors: Larry Baggett; Woody Bassett; Mary Beth Brooks; Bob Daugherty; Frank Kelly; David McClinton; Ann Rosso; Curtis Shipley; Kent Starr Branches in Town: Five Other Branches: Farmington, Prairie Grove, West Fork 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: Gary R. Head CCO: Dan Hendricks CFO: Mike Hill COO: Marilyn Hendricks Cash and Due from:....................................... 8,739 Federal Funds and Repos: ............................ 7,340 Investments: ................................................ 42,158 Net Loans: ................................................. 564,974 Premises and Fixed Assets: ........................ 10,178 Other Real Estate: ......................................... 2,531 Other Assets: ............................................... 24,362 Total Assets: .............................................. 660,282 Total Trust Assets:............................................ 534 Deposits:.................................................... 533,765 Federal Funds and Borrowings: .................. 53,009 Other Liabilities:............................................. 4,510 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 591,284 Total Equity Capital: .................................... 68,998 Total Liabilities and Capital:....................... 660,282 Number of Shares Outstanding: .................. 30,000 Directors: Gary R. Head ; Douglas Allen; Larry G. Bittle; John A. Cooper, III; John A. Dominick; Matthew Duffy; J. Kirkwood Dupps; Greg Lee; Jerry P. Maland; Reece Parham; Neal R. Pendergraft; Gus Rusher; Beverly Schaffer; Larry Shackelford; Todd Simmons Branches in Town: None Other Branches: Bella Vista, Bentonville, Brinkley (2), Rogers, Siloam Springs, Springdale Ninety-Fifth Report 49 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 Bank Holding Company First National Corporation of Wynne, Wynne, AR Chm/CEO: Judy R. Loving CFO/VP: Marcus Walser Pres: Chad S. Hudson COO/VP: Sandy Garrison Cash and Due from:....................................... 1,925 Federal Funds and Repos: ............................ 9,690 Investments:.......................................................... 0 Net Loans:.................................................... 54,599 Premises and Fixed Assets: .......................... 3,943 Other Real Estate: ................................................ 0 Other Assets: .................................................... 946 Total Assets: ................................................ 71,103 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 59,715 Federal Funds and Borrowings:............................ 0 Other Liabilities: ................................................ 252 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 59,967 Total Equity Capital:..................................... 11,136 Total Liabilities and Capital:......................... 71,103 Number of Shares Outstanding: ................ 469,594 Directors: Keith Daffron; John Ed Gregson; Harold Hardwick; Randy Hopper; Chad S. Hudson; Philip Hurst; Judy R. Loving; Jeff Magness 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 Bank Holding Company FBT Bancshares, Inc., Fordyce, AR Chm/CEO/Pres/TO: James V. Hulse, Jr. EVP: Don Lyle EVP: Suzette Crutchfield Cash: Kenda Freer Cash and Due from:....................................... 3,294 Federal Funds and Repos: ............................ 6,060 Investments:................................................. 36,467 Net Loans:.................................................... 57,376 Premises and Fixed Assets: .......................... 2,577 Other Real Estate: ................................................ 0 Other Assets: ................................................. 3,595 Total Assets: .............................................. 109,369 Total Trust Assets: ......................................... 1,325 Deposits: ...................................................... 83,720 Federal Funds and Borrowings:................... 13,900 Other Liabilities: ................................................ 974 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 98,594 Total Equity Capital:..................................... 10,775 Total Liabilities and Capital:....................... 109,369 Number of Shares Outstanding: .................... 8,000 Directors: Joe D. Barnes; Suzette Crutchfield; James V. Hulse, Jr.; Melvin Jackson; Roy McClain; John N. Summers; Charles B. Trussell; Clyde Williams Branches in Town: One Other Branches: Pine Bluff, Rison, White Hall 50 Arkansas State Bank Department Planters & Merchants Bank Gillett, AR VOICE: (870) 548-2211 FAX: (870) 548-2220 Trust Powers: Yes 210 West Main 72055-0357 Charter Number: 721 Date: January 13, 1967 FDIC Certificate Number: 19722 Bank Holding Company DBT Financial Corporation, DeWitt, AR Chm: Nancy F. Rasco VP: Carl Gunter CEO/Pres/TO: Larry E. Bauer Cash and Due from:.......................................... 741 Federal Funds and Repos: ............................ 2,285 Investments: .................................................. 5,247 Net Loans: ................................................... 12,710 Premises and Fixed Assets: .......................... 3,243 Other Real Estate: .............................................. 64 Other Assets: ................................................. 3,917 Total Assets: ................................................ 28,207 Total Trust Assets:................................................ 0 Deposits:...................................................... 20,999 Federal Funds and Borrowings: ....................... 629 Other Liabilities:................................................ 622 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 22,250 Total Equity Capital: ...................................... 5,957 Total Liabilities and Capital:......................... 28,207 Number of Shares Outstanding: .................. 12,000 Directors: Donald Ray Dickson; James L. Fly, Jr.; Alton R. Hampton; David Jessup; Charles E. Lumsden; Nancy F. Rasco; Jack Whitmore Branches in Town: None Other Branches: Paragould 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: Kenny Hancock EVP/COO: David N. Wills SVP: Jim Sloan Cash and Due from:....................................... 4,684 Federal Funds and Repos: ............................ 5,930 Investments: ................................................ 36,696 Net Loans: ................................................. 106,450 Premises and Fixed Assets: .......................... 3,166 Other Real Estate: ......................................... 5,720 Other Assets: ................................................. 8,009 Total Assets: .............................................. 170,655 Total Trust Assets:................................................ 0 Deposits:.................................................... 143,564 Federal Funds and Borrowings: .................... 5,000 Other Liabilities:................................................ 940 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 149,504 Total Equity Capital: .................................... 21,151 Total Liabilities and Capital:....................... 170,655 Number of Shares Outstanding: .................... 4,000 Directors: George Cowgur; Albert P. Dunagin; Sharron Edmondson; Jim A. Edmonson; Kenny R. Hancock; John R. Meade; William R. Meade; Richard T. Pollreis; David N. Wills Branches in Town: One Other Branches: Centerton, Hiwasse Ninety-Fifth Report 51 First Service Bank Greenbrier, AR VOICE: (501) 679-7200 FAX: (501) 679-5104 Trust Powers: No 136 South Broadview 72058-0430 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/CEO/Pres: Thomas H. Grumbles CFO/COO: Kenneth Barnard Reg Pres: Phillip Ellis Cash and Due from:....................................... 9,644 Federal Funds and Repos: ................................... 0 Investments:................................................... 5,883 Net Loans:.................................................. 191,513 Premises and Fixed Assets: .......................... 9,884 Other Real Estate: ......................................... 1,565 Other Assets: ................................................. 4,286 Total Assets: .............................................. 222,775 Total Trust Assets: ................................................ 0 Deposits: .................................................... 186,840 Federal Funds and Borrowings:................... 16,392 Other Liabilities: ............................................. 1,533 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 204,765 Total Equity Capital:..................................... 18,010 Total Liabilities and Capital:....................... 222,775 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), Dermott, Flippin, Marshall, Mountain View, Shirley, Yellville 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 Pres/Cash/TO: Edward Wilkinson CEO: Stanhope Wilkinson SVP: Tresa Lowe Cash and Due from:....................................... 7,778 Federal Funds and Repos: ............................ 8,300 Investments:................................................. 50,695 Net Loans:.................................................. 103,121 Premises and Fixed Assets: ........................ 19,089 Other Real Estate: ............................................ 897 Other Assets: ................................................. 3,822 Total Assets: .............................................. 193,702 Total Trust Assets: ......................................... 3,439 Deposits: .................................................... 154,272 Federal Funds and Borrowings:........................ 473 Other Liabilities: ................................................ 682 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 155,427 Total Equity Capital:..................................... 38,275 Total Liabilities and Capital:....................... 193,702 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 52 Arkansas State Bank Department Farmers Bank Hamburg, AR VOICE: (870) 853-5222 FAX: (870) 853-2333 Trust Powers: No Chm: Nancy Foote Spivey CEO/Pres: Michael Townsend 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:....................................... 7,251 Federal Funds and Repos: ................................... 0 Investments: ................................................ 13,592 Net Loans: ................................................... 10,937 Premises and Fixed Assets: ............................. 913 Other Real Estate: ............................................ 474 Other Assets: .................................................... 616 Total Assets: ................................................ 33,783 Total Trust Assets:................................................ 0 Deposits:...................................................... 28,691 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.................................................. 91 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 28,782 Total Equity Capital: ...................................... 5,001 Total Liabilities and Capital:......................... 33,783 Number of Shares Outstanding: .................. 44,520 Directors: Gene Barnes; Robert B. Barnes; William E. Foote, IV; Nancy C. Foote Spivey; Freddie Martin; Jack Shell; John W. Spivey; Bobby J. Witherington Branches in Town: None Other Branches: Crossett Calhoun County 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.ccb-fbsa.com Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm: Searcy W. Harrell, Jr. EVP: Delois Kitchens CEO/Pres: Phillip J. Foster EVP: John F. Marsh Cash and Due from:....................................... 4,302 Federal Funds and Repos: .......................... 12,620 Investments: ................................................ 44,849 Net Loans: ................................................. 104,629 Premises and Fixed Assets: .......................... 2,200 Other Real Estate: ............................................ 171 Other Assets: ................................................. 6,165 Total Assets: .............................................. 174,936 Total Trust Assets:................................................ 0 Deposits:.................................................... 145,709 Federal Funds and Borrowings: .................. 11,803 Other Liabilities:................................................ 753 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 158,265 Total Equity Capital: .................................... 16,671 Total Liabilities and Capital:....................... 174,936 Number of Shares Outstanding: .................... 4,000 Directors: L. D. Becton, III; Dan H. Byars; Gene Dereuisseaux; Phillip J. Foster; Alvin Green; Ben Harrell; Carl Harrell; Jonathan W. Harrell; Searcy W. Harrell, Jr.; 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 (3), Junction City Ninety-Fifth Report 53 Community First Bank Harrison, AR VOICE: (870) 391-8000 FAX: (870) 391-8081 Trust Powers: Yes 200 East Ridge 72602-1700 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 CCO: Danny Criner CEO/Pres: David Morton CCO/CFO: Ann Main Cash and Due from:..................................... 11,340 Federal Funds and Repos: ................................. 30 Investments:............................................... 116,531 Net Loans:.................................................. 407,238 Premises and Fixed Assets: ........................ 13,259 Other Real Estate: ......................................... 8,480 Other Assets: ............................................... 12,879 Total Assets: .............................................. 569,757 Total Trust Assets: ................................................ 0 Deposits: .................................................... 410,343 Federal Funds and Borrowings:................. 108,604 Other Liabilities: ............................................. 2,022 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 520,969 Total Equity Capital:..................................... 48,788 Total Liabilities and Capital:....................... 569,757 Number of Shares Outstanding: .................. 60,000 Directors: Dan R. Bowers; Danny Criner; J. Kirkwood Dupps; Jim Harp; Elizabeth Kelley; Ann Main; Jerry Maland; Louis Melton; Meredith Miller; David Morton; James Nelson; Jim Sprott; Deretha Walker Branches in Town: One Other Branches: Berryville, Eureka Springs, Pea Ridge Heber Springs State Bank Heber Springs, AR VOICE: (501) 362-5821 FAX: (501) 362-9348 Trust Powers: Yes Second and Main Streets 72543-0030 Charter Number: 735 Date: May 7, 1977 FDIC Certificate Number: 3873 Home Page: www.heberbank.com Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Harry L. Hastings, Jr. EVP: Janice Parrott CEO/Pres: Bill G. Lynch SVP: Cathey Cox Cash and Due from:....................................... 5,348 Federal Funds and Repos: ............................ 9,565 Investments:................................................. 75,641 Net Loans:.................................................... 69,268 Premises and Fixed Assets: .......................... 5,706 Other Real Estate: ............................................ 551 Other Assets: ................................................. 4,591 Total Assets: .............................................. 170,670 Total Trust Assets: ................................................ 0 Deposits: .................................................... 147,514 Federal Funds and Borrowings:..................... 5,329 Other Liabilities: ................................................ 453 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 153,296 Total Equity Capital:..................................... 17,374 Total Liabilities and Capital:....................... 170,670 Number of Shares Outstanding: .................. 17,656 Directors: H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Bill G. Lynch; Jeff Lynch; Catherine H. Owen Branches in Town: One Other Branches: Drasco, Fairfield Bay, Greers Ferry, Quitman, Rose Bud, Vilonia Arkansas State Bank Department 54 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: Wilburn Smith VP: C. E. Hendrix, Jr. Cash and Due from:..................................... 11,867 Federal Funds and Repos: ............................ 3,365 Investments: ................................................ 18,333 Net Loans: ................................................... 61,548 Premises and Fixed Assets: ............................. 779 Other Real Estate: .............................................. 88 Other Assets: ................................................. 1,133 Total Assets: ................................................ 97,113 Total Trust Assets:................................................ 0 Deposits:...................................................... 86,713 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 216 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 86,929 Total Equity Capital: .................................... 10,184 Total Liabilities and Capital:......................... 97,113 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: Terry L. Kent SVP/CFO/COO: J. Franklin Bolton Cash and Due from:....................................... 5,731 Federal Funds and Repos: ............................ 2,290 Investments: .................................................. 5,138 Net Loans: ................................................... 77,095 Premises and Fixed Assets: .......................... 4,885 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,472 Total Assets: ................................................ 96,611 Total Trust Assets:....................................... 14,703 Deposits:...................................................... 82,989 Federal Funds and Borrowings: .................... 5,514 Other Liabilities:................................................ 252 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 88,755 Total Equity Capital: ...................................... 7,856 Total Liabilities and Capital:......................... 96,611 Number of Shares Outstanding: .................. 94,900 Directors: Michael R. Ellis; John P. Garrison; Daniel B. Hamby, Jr.; Rodney P. Herndon; Terry L. Kent; Richard L. Metcalf; Sherrill B. Nicolosi Branches in Town: Two Other Branches: Hot Springs Village (2) Ninety-Fifth Report 55 Simmons First Bank of Hot Springs Hot Springs, AR VOICE: (501) 318-1000 FAX: (501) 318-6018 Trust Powers: Yes 100 Werner Street 71913 Charter Number: 769 Date: April 17, 1997 FDIC Certificate Number: 34473 Home Page: www.simmonsfirst.com Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm: David L. Bartlett SVP: Rick Harris CEO/Pres: Steven Trusty VP: Linda Hogaboom Cash and Due from:....................................... 6,710 Federal Funds and Repos: ................................. 10 Investments:................................................. 59,626 Net Loans:.................................................... 80,412 Premises and Fixed Assets: .......................... 2,497 Other Real Estate: .............................................. 31 Other Assets: ............................................... 20,611 Total Assets: .............................................. 169,897 Total Trust Assets: ................................................ 0 Deposits: .................................................... 118,365 Federal Funds and Borrowings:................... 20,614 Other Liabilities: ............................................. 2,443 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 141,422 Total Equity Capital:..................................... 28,475 Total Liabilities and Capital:....................... 169,897 Number of Shares Outstanding: .................. 18,663 Directors: David L. Bartlett; Stuart A. Fleischner, D.D.S.; Louis F. Kleinman; James "Bart" Newman; Sam P. Stathakis, Jr.; Sara Stough; Gene Thomason; 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 SVP: Marivel Radcliffe CEO/Pres: Curtis Hutchins SVP: Dave Seal Cash and Due from:....................................... 2,235 Federal Funds and Repos: ............................ 4,480 Investments:................................................... 5,104 Net Loans:.................................................... 49,267 Premises and Fixed Assets: .......................... 2,908 Other Real Estate: ......................................... 1,404 Other Assets: ................................................. 9,093 Total Assets: ................................................ 74,491 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 55,405 Federal Funds and Borrowings:..................... 8,150 Other Liabilities: ................................................ 708 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 64,263 Total Equity Capital:..................................... 10,228 Total Liabilities and Capital:......................... 74,491 Number of Shares Outstanding: .................. 27,000 Directors: Curtis Hutchins; Sam Mathias; Bob Nickle; Janie Waters Reed; Lew Thompson; Arthur Thurman Branches in Town: One Other Branches: Fayetteville 56 Arkansas State Bank Department First Arkansas Bank & Trust Jacksonville, AR VOICE: (501) 982-4511 FAX: (501) 982-5769 Trust Powers: Yes 600 West Main 72078-0827 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 SVP/TO: Pat Teague Cash and Due from:..................................... 14,355 Federal Funds and Repos: .......................... 20,645 Investments: .............................................. 164,738 Net Loans: ................................................. 287,927 Premises and Fixed Assets: ........................ 16,199 Other Real Estate: ......................................... 2,515 Other Assets: ............................................... 46,208 Total Assets: .............................................. 552,587 Total Trust Assets:....................................... 86,652 Deposits:.................................................... 453,397 Federal Funds and Borrowings: .................... 1,481 Other Liabilities:............................................. 4,633 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 459,511 Total Equity Capital: .................................... 93,076 Total Liabilities and Capital:....................... 552,587 Number of Shares Outstanding: ................ 200,000 Directors: Cecil Alexander; Ted Belden; 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: Five Other Branches: Austin, Cabot (4), Clinton, Concord, Damascus, El Paso, Gravel Ridge, Greenbrier (2), Greers Ferry, Heber Springs (4), Marshall, North Little Rock, Pangburn, Quitman, Sherwood Heritage Bank Jonesboro, AR VOICE: (870) 802-2344 FAX: (870) 268-2033 Trust Powers: No 2009 Browns Lane 72403-3020 Charter Number: 703 Date: January 23, 1951 FDIC Certificate Number: 16983 Home Page: www.heritagebankark.com Bank Holding Company Heritage Capital Corporation, Jonesboro, AR Chm: Larry Grisham EVP/CFO: Diane Steiling CEO/Pres: Stephen D. May Cash and Due from:....................................... 5,651 Federal Funds and Repos: ................................... 0 Investments: ................................................ 33,494 Net Loans: ................................................. 179,928 Premises and Fixed Assets: .......................... 5,992 Other Real Estate: ............................................ 510 Other Assets: ................................................. 3,402 Total Assets: .............................................. 228,977 Total Trust Assets:................................................ 0 Deposits:.................................................... 186,113 Federal Funds and Borrowings: .................. 17,711 Other Liabilities:............................................. 1,126 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 204,950 Total Equity Capital: .................................... 24,027 Total Liabilities and Capital:....................... 228,977 Number of Shares Outstanding: .................. 10,000 Directors: Eddie Adams; Jim Boswell; Dr. Ronald Burnett; Jim Fulkerson; Richard Gray; Larry Grisham; Stephen D. May; Oscar Melton, Jr.; Diane Steiling; Leon Swihart Branches in Town: Three Other Branches: Caraway, Leachville, Manila, Monette Ninety-Fifth Report 57 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:..................................... 47,785 Federal Funds and Repos: ................................... 0 Investments:............................................... 539,575 Net Loans:............................................... 1,740,150 Premises and Fixed Assets: ........................ 87,150 Other Real Estate: ....................................... 17,982 Other Assets: ............................................. 141,274 Total Assets: ........................................... 2,573,916 Total Trust Assets: ..................................... 252,049 Deposits: ................................................. 1,866,081 Federal Funds and Borrowings:................. 352,769 Other Liabilities: ........................................... 11,131 Subordinated Debt:............................................... 0 Total Liabilities: ....................................... 2,229,981 Total Equity Capital:................................... 343,935 Total Liabilities and Capital:.................... 2,573,916 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; William C. Young, Jr. 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 58 Simmons First Bank of Jonesboro 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 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:....................................... 9,738 Federal Funds and Repos: ............................... 787 Investments: ................................................ 30,311 Net Loans: ................................................. 251,710 Premises and Fixed Assets: .......................... 7,202 Other Real Estate: ............................................ 465 Other Assets: ................................................. 7,403 Total Assets: .............................................. 307,616 Total Trust Assets:................................................ 0 Deposits:.................................................... 258,782 Federal Funds and Borrowings: .................. 20,177 Other Liabilities:............................................. 2,353 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 281,312 Total Equity Capital: .................................... 26,304 Total Liabilities and Capital:....................... 307,616 Number of Shares Outstanding: ................ 175,000 Directors: Dennis Abell; David Bartlett; Barry K. Ledbetter; Ben Owens, Jr.; David Pyle; Jim Scurlock; Berl A. Smith; Mark Wimpy Branches in Town: Three Other Branches: Paragould, Weiner 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 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:....................................... 1,768 Federal Funds and Repos: ............................ 1,175 Investments: ................................................ 11,964 Net Loans: ................................................... 38,354 Premises and Fixed Assets: .......................... 1,370 Other Real Estate: ............................................ 145 Other Assets: ................................................. 3,045 Total Assets: ................................................ 57,821 Total Trust Assets:................................................ 0 Deposits:...................................................... 52,546 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.................................................. 95 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 52,641 Total Equity Capital: ...................................... 5,180 Total Liabilities and Capital:......................... 57,821 Number of Shares Outstanding: .................. 60,000 Directors: Terence J. Alpe; Sam E. Angel; William W. Bunker; Dr. John P. Burge, Sr.; David F. Gillison, Jr.; Joseph J. Pieroni; Charles H. Weissinger, Jr.; Guy Mattingly Weissinger Branches in Town: One Other Branches: None Ninety-Fifth Report 59 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 Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO: Freddie G. Black SVP: William F. "Bill" Wisener Pres: Tommy R. Jarrett Cash and Due from:....................................... 4,017 Federal Funds and Repos: ............................ 1,000 Investments:................................................. 53,806 Net Loans:.................................................... 92,104 Premises and Fixed Assets: .......................... 3,208 Other Real Estate: ................................................ 0 Other Assets: ................................................. 5,798 Total Assets: .............................................. 159,933 Total Trust Assets: ................................................ 0 Deposits: .................................................... 135,185 Federal Funds and Borrowings:..................... 7,972 Other Liabilities: ............................................. 1,302 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 144,459 Total Equity Capital:..................................... 15,474 Total Liabilities and Capital:....................... 159,933 Number of Shares Outstanding: .................. 12,500 Directors: Freddie G. Black; Robert G. Bridewell, Sr.; Ben V. Floriani; James W. Haddock; Craig Hunt; Tommy R. Jarrett; Beverly M. Rowe; Jerry Selby; Harold Smith; Joe Dan Yee Branches in Town: One Other Branches: Dermott, Dumas, Monticello Little River Bank Lepanto, AR VOICE: (870) 475-2306 FAX: (870) 475-3070 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: Benjamin Perry SVP: Lois Criddle EVP: John W. Alderson, IV VP: Ara Sharp Cash and Due from:....................................... 1,402 Federal Funds and Repos: ................................... 0 Investments:................................................. 20,399 Net Loans:.................................................... 26,709 Premises and Fixed Assets: ............................. 232 Other Real Estate: ............................................ 180 Other Assets: .................................................... 879 Total Assets: ................................................ 49,801 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 39,048 Federal Funds and Borrowings:..................... 5,630 Other Liabilities: ................................................ 215 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 44,893 Total Equity Capital:....................................... 4,908 Total Liabilities and Capital:......................... 49,801 Number of Shares Outstanding: .................. 10,000 Directors: John W. Alderson, IV; Hadley Ingram Arnold; Scott Arnold, IV; Julanne Ingram; W. Kent Ingram, Jr.; Danette W. Lawrie; Benjamin E. Perry; Ernest B. Portis; Juliet Romano; Henry G. Watkins, III Branches in Town: None Other Branches: None 60 Arkansas State Bank Department Arkansas Bankers' Bank Little Rock, AR VOICE: (501) 371-0535 FAX: (501) 375-2281 Trust Powers: No 1020 West Second Street 72201-2031 Charter Number: 752 Date: April 17, 1990 FDIC Certificate Number: 32960 Home Page: www.arbankersbank.com Member of Federal Reserve System Bank Holding Company First National Bankers' Bankshares, Inc., Baton Rouge, LA Chm: Joseph F. Quinlan, Jr. CEO/Pres: James N. Thomason Chm Emer: Bill B. May SVP: Boyd Rothwell Cash and Due from:..................................... 13,734 Federal Funds and Repos: .......................... 25,205 Investments: ................................................ 88,554 Net Loans: ................................................... 33,607 Premises and Fixed Assets: .......................... 2,078 Other Real Estate: ................................................ 0 Other Assets: ................................................. 9,658 Total Assets: .............................................. 172,836 Total Trust Assets:................................................ 0 Deposits:.................................................... 109,373 Federal Funds and Borrowings: .................. 34,407 Other Liabilities:............................................. 1,502 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 145,282 Total Equity Capital: .................................... 27,554 Total Liabilities and Capital:....................... 172,836 Number of Shares Outstanding: .................. 50,000 Directors: Lunsford W. Bridges; Gary R. Canada, Sr.; Martin B. Carpenter; Thomas H. Grumbles; Joseph F. Quinlan, Jr.; Stephen E. Stafford; James N. Thomason; William G. Wright Branches in Town: None Other Branches: None 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 EVP: Larry R. Brown Pres: George G. Worthen SVP/Cash: Lee A. Swearingen Cash and Due from:....................................... 5,481 Federal Funds and Repos: ............................ 7,560 Investments: ................................................ 32,860 Net Loans: ................................................. 116,670 Premises and Fixed Assets: .......................... 7,187 Other Real Estate: ......................................... 5,594 Other Assets: ................................................. 2,679 Total Assets: .............................................. 178,031 Total Trust Assets:................................................ 0 Deposits:.................................................... 162,556 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 982 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 163,538 Total Equity Capital: .................................... 14,493 Total Liabilities and Capital:....................... 178,031 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-Fifth Report 61 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: Paul E. Moore VChm/Pres/COO: Mark D. Ross TO: Rex Kyle Cash and Due from:..................................... 41,584 Federal Funds and Repos: .......................... 24,600 Investments:............................................... 653,317 Net Loans:............................................... 1,944,657 Premises and Fixed Assets: ...................... 153,534 Other Real Estate: ....................................... 22,532 Other Assets: ............................................. 106,471 Total Assets: ........................................... 2,946,695 Total Trust Assets: ..................................... 775,004 Deposits: ................................................. 2,141,731 Federal Funds and Borrowings:................. 399,965 Other Liabilities: ........................................... 27,443 Subordinated Debt:............................................... 0 Total Liabilities: ....................................... 2,569,139 Total Equity Capital:................................... 377,556 Total Liabilities and Capital:.................... 2,946,695 Number of Shares Outstanding: .................... 2,340 Directors: Jean Arehart; Steven M. Arnold; Richard L. Cisne; Robert C. East; George G. Gleason, II; Linda D. Gleason; Henry Mariani; James A. Matthews; R. L. Qualls; Mark D. Ross; Kennith Smith Branches in Town: Seven Other Branches: Alma, Altus, Bella Vista (2), Bellefonte, Benton (2), Bentonville (2), Bryant, Cabot (2), Clarksville (2), Clinton, Conway (4), Dallas[TX], Fayetteville (2), Fort Smith (3), Frisco[TX] (2), Harrison (2), Hot Springs (3), Jasper, Lewisville[TX], Lonoke, Lonsdale, Marshall, Maumelle, Mountain Home (2), Mulberry, North Little Rock (4), Ozark (2), Paris, Rogers (3), Russellville (3), Sherwood, Springdale, Texarkana, Texarkana[TX] (2), Van Buren (2), Western Grove, Yellville 62 Arkansas State Bank Department 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 VP: Roane Ashmore CFO: Jeanette Nation Aud: Donna Hall Cash and Due from:....................................... 2,693 Federal Funds and Repos: ............................... 940 Investments: .............................................. 100,018 Net Loans: ................................................... 86,576 Premises and Fixed Assets: .......................... 4,171 Other Real Estate: ............................................ 775 Other Assets: ................................................. 5,839 Total Assets: .............................................. 201,012 Total Trust Assets:................................................ 0 Deposits:.................................................... 129,744 Federal Funds and Borrowings: .................. 54,121 Other Liabilities:................................................ 631 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 184,496 Total Equity Capital: .................................... 16,516 Total Liabilities and Capital:....................... 201,012 Number of Shares Outstanding: .................. 32,013 Directors: Melinda Ballard; Jack Hartsell; Joseph W. Park; Kyle E. Patton; Boyd Rothwell; Warren Stephenson Branches in Town: None Other Branches: North Little Rock Central Bank Little Rock, AR VOICE: (501) 221-6400 FAX: (501) 227-8932 Trust Powers: No CEO: Wade Ruckle Pres: John G. Foley 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 CFO: David R. Estes Cash and Due from:.......................................... 997 Federal Funds and Repos: ............................ 2,510 Investments: ................................................ 15,503 Net Loans: ................................................... 68,483 Premises and Fixed Assets: ............................. 328 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,369 Total Assets: ................................................ 89,190 Total Trust Assets:................................................ 0 Deposits:...................................................... 62,124 Federal Funds and Borrowings: .................. 10,088 Other Liabilities:................................................ 316 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 72,528 Total Equity Capital: .................................... 16,662 Total Liabilities and Capital:......................... 89,190 Number of Shares Outstanding: ................ 160,000 Directors: David Estes; Tobi Wells Fairley; John G. Foley; Francis X. "Skip" Frantz; Chris Lehman; James B. Malone; Ken O. (Mac) McClanahan; Michael Murphy; John Reese; R. Steve Roberson; Rodney Thomason Branches in Town: None Other Branches: None Ninety-Fifth Report 63 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: 720 72211 Date: July 28, 1966 FDIC Certificate Number: 19662 Home Page: www.eaglebank.com Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Harry L. Hastings, Jr. SVP/Cash: Paul Castleberry CEO/Pres/Cash/TO: Randall K. Herlocker Cash and Due from:....................................... 2,562 Federal Funds and Repos: ............................... 160 Investments:................................................. 55,305 Net Loans:.................................................... 63,406 Premises and Fixed Assets: ............................. 780 Other Real Estate: ............................................ 572 Other Assets: ................................................. 3,948 Total Assets: .............................................. 126,733 Total Trust Assets: ................................................ 0 Deposits: .................................................... 103,765 Federal Funds and Borrowings:................... 11,689 Other Liabilities: ................................................ 633 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 116,087 Total Equity Capital:..................................... 10,646 Total Liabilities and Capital:....................... 126,733 Number of Shares Outstanding: .................... 8,000 Directors: H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Randall K. Herlocker; Catherine H. Owen Branches in Town: None Other Branches: Gravel Ridge, North Little Rock, Sherwood (3) 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:....................................... 5,792 Federal Funds and Repos: ................................... 0 Investments:................................................. 70,006 Net Loans:.................................................. 252,943 Premises and Fixed Assets: .......................... 4,482 Other Real Estate: ......................................... 1,716 Other Assets: ................................................. 8,225 Total Assets: .............................................. 343,164 Total Trust Assets: ................................................ 0 Deposits: .................................................... 273,049 Federal Funds and Borrowings:................... 39,323 Other Liabilities: ................................................ 734 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 313,106 Total Equity Capital:..................................... 30,058 Total Liabilities and Capital:....................... 343,164 Number of Shares Outstanding: .................. 16,000 Directors: Robert S. Bailey, Jr.; Neil Bennett, Jr.; Richard Bransford; Charles L. Cabe, Jr.; David R. Estes; William Fletcher, Jr.; Stan Green; J. L. Griffin; Charles E. Knox; J. Bruce Loftin; J. Walls McCrary; Joe P. Melton, Jr.; Robert Dale Miller; Daina B. Newcomb; D. Scott Rogerson; Alan (Chuck) Sharp; Marvin D. Thaxton, Jr.; Gary A. Thompson Branches in Town: One Other Branches: Carlisle, Fayetteville, Gurdon, Heber Springs, Springdale Arkansas State Bank Department 64 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: April Morrison Pres/CLO: Steve Keith TO: Todd Smith Cash and Due from:..................................... 12,659 Federal Funds and Repos: ................................... 0 Investments: ................................................ 67,937 Net Loans: ................................................. 506,840 Premises and Fixed Assets: ........................ 11,082 Other Real Estate: ......................................... 1,609 Other Assets: ............................................... 31,815 Total Assets: .............................................. 631,942 Total Trust Assets:..................................... 108,539 Deposits:.................................................... 514,840 Federal Funds and Borrowings: .................. 47,220 Other Liabilities:............................................. 6,646 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 568,706 Total Equity Capital: .................................... 63,236 Total Liabilities and Capital:....................... 631,942 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 The Peoples Bank Magnolia, AR VOICE: (870) 234-5777 FAX: (870) 234-3384 Trust Powers: Yes 500 North Jackson 71754-0340 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:..................................... 52,451 Federal Funds and Repos: ................................... 0 Investments: ................................................ 11,579 Net Loans: ................................................... 51,931 Premises and Fixed Assets: .......................... 2,048 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,822 Total Assets: .............................................. 119,831 Total Trust Assets:................................................ 0 Deposits:...................................................... 80,409 Federal Funds and Borrowings: .................. 30,338 Other Liabilities:................................................ 441 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 111,188 Total Equity Capital: ...................................... 8,643 Total Liabilities and Capital:....................... 119,831 Number of Shares Outstanding: .................. 10,000 Directors: Jonathan Baird; Dorothy J. Fincher; Harold H. Fincher; S. Clark Fincher; Mary L. Fowler; Betty Harris; Jill McClinton; Betty L. Scott; Gerald F. Scott; J. David Scott Branches in Town: One Other Branches: Waldo Ninety-Fifth Report 65 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: Jack Nall CEO/Pres: Donny Underwood SVP/Cash: Brenda Eldridge Cash and Due from:....................................... 4,672 Federal Funds and Repos: ................................... 0 Investments:................................................. 11,267 Net Loans:.................................................... 73,545 Premises and Fixed Assets: .......................... 5,076 Other Real Estate: ......................................... 1,212 Other Assets: ................................................. 1,911 Total Assets: ................................................ 97,683 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 80,067 Federal Funds and Borrowings:..................... 6,020 Other Liabilities: ................................................ 346 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 86,433 Total Equity Capital:..................................... 11,250 Total Liabilities and Capital:......................... 97,683 Number of Shares Outstanding: .................. 60,000 Directors: Michael D. East; Frank A. Fogleman; Julian Hardin; Allen B. Helms, Jr.; Matthew L. Pike, III; 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 Bank Holding Company Tyronza Bancshares, Inc., Marked Tree, AR CEO/Pres: Chris M. Lehman Cash and Due from:....................................... 4,246 Federal Funds and Repos: ................................... 0 Investments:................................................. 20,791 Net Loans:.................................................... 22,382 Premises and Fixed Assets: ............................. 771 Other Real Estate: ................................................ 0 Other Assets: .................................................... 744 Total Assets: ................................................ 48,934 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 42,639 Federal Funds and Borrowings:........................ 955 Other Liabilities: ................................................ 416 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 44,010 Total Equity Capital:....................................... 4,924 Total Liabilities and Capital:......................... 48,934 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 66 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 Bank Holding Company M. D. Thompson & Son Co., McCrory, AR Chm/CEO/Pres: Sean H. Williams AVP: Nathan Dabbs VP: Tim St. Clair Cash and Due from:....................................... 5,712 Federal Funds and Repos: ............................ 5,595 Investments: ................................................ 22,932 Net Loans: ................................................... 31,331 Premises and Fixed Assets: ............................. 709 Other Real Estate: ............................................ 190 Other Assets: ................................................. 1,141 Total Assets: ................................................ 67,610 Total Trust Assets:................................................ 0 Deposits:...................................................... 59,419 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 262 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 59,681 Total Equity Capital: ...................................... 7,929 Total Liabilities and Capital:......................... 67,610 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; Sean H. Williams 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:..................................... 11,369 Federal Funds and Repos: ................................... 0 Investments: ................................................ 31,415 Net Loans: ................................................... 66,020 Premises and Fixed Assets: ............................. 334 Other Real Estate: ................................................ 0 Other Assets: ................................................. 3,348 Total Assets: .............................................. 112,486 Total Trust Assets:....................................... 66,592 Deposits:...................................................... 90,441 Federal Funds and Borrowings: .................... 4,500 Other Liabilities:............................................. 1,053 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 95,994 Total Equity Capital: .................................... 16,492 Total Liabilities and Capital:....................... 112,486 Number of Shares Outstanding: .................. 80,000 Directors: Lee Bowman; William W. Bowman; Bill E. Elliott; Eugene Gilliam; David S. Leech; John H. Potter, Jr.; James M. Smith; James N. Smith Branches in Town: One Other Branches: Arkansas City, Tillar, Watson Ninety-Fifth Report 67 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 Bank Holding Company Union Bankshares, Inc., Mena, AR Chm: Edward W. Stevenson SVP/CFO: Michael Myers CEO/Pres: Philip B. Hensley Cash and Due from:..................................... 18,286 Federal Funds and Repos: ................................... 0 Investments:................................................. 21,639 Net Loans:.................................................. 114,303 Premises and Fixed Assets: .......................... 4,240 Other Real Estate: ................................................ 0 Other Assets: ................................................. 2,726 Total Assets: .............................................. 161,194 Total Trust Assets: ................................................ 0 Deposits: .................................................... 140,283 Federal Funds and Borrowings:..................... 6,889 Other Liabilities: ............................................. 1,038 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 148,210 Total Equity Capital:..................................... 12,984 Total Liabilities and Capital:....................... 161,194 Number of Shares Outstanding: .................. 12,000 Directors: J. Richard Carver; Robert A. Carver; John A. Crawford; R. L. Hamilton; Philip B. Hensley; David Maddox; John Maddox; Pauline Morrow; P. T. Plunkett; Edward W. Stevenson; Philip 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. SVP: Michael Efird Pres/COO: George T. Harris SVP/TO: Rusty Smith Cash and Due from:..................................... 10,017 Federal Funds and Repos: ................................... 0 Investments:................................................. 39,149 Net Loans:.................................................... 95,531 Premises and Fixed Assets: .......................... 1,674 Other Real Estate: ......................................... 1,339 Other Assets: ................................................. 1,923 Total Assets: .............................................. 149,633 Total Trust Assets: ....................................... 11,851 Deposits: .................................................... 134,822 Federal Funds and Borrowings:........................ 142 Other Liabilities: ................................................ 954 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 135,918 Total Equity Capital:..................................... 13,715 Total Liabilities and Capital:....................... 149,633 Number of Shares Outstanding: .................... 8,000 Directors: Joe Brannen; James H. Burks; 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 68 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 Harris Pres: Dave Dickson TO: Gail Hooker Cash and Due from:....................................... 4,012 Federal Funds and Repos: ................................... 0 Investments: ................................................ 43,323 Net Loans: ................................................. 129,488 Premises and Fixed Assets: .......................... 3,868 Other Real Estate: ............................................ 123 Other Assets: ................................................. 9,172 Total Assets: .............................................. 189,986 Total Trust Assets:....................................... 17,430 Deposits:.................................................... 152,017 Federal Funds and Borrowings: .................. 18,742 Other Liabilities:............................................. 1,708 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 172,467 Total Equity Capital: .................................... 17,519 Total Liabilities and Capital:....................... 189,986 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.; John Porter Price; Richard Reinhart; Virgil Trotter Branches in Town: Two Other Branches: Pine Bluff, 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 SVP: Greg Eby EVP: Suzanne Hartman Cash and Due from:....................................... 6,449 Federal Funds and Repos: ............................ 7,195 Investments: ................................................ 27,997 Net Loans: ................................................... 85,073 Premises and Fixed Assets: .......................... 2,078 Other Real Estate: ............................................ 602 Other Assets: ................................................. 4,071 Total Assets: .............................................. 133,465 Total Trust Assets:................................................ 0 Deposits:.................................................... 115,552 Federal Funds and Borrowings: .................... 3,554 Other Liabilities:................................................ 754 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 119,860 Total Equity Capital: .................................... 13,605 Total Liabilities and Capital:....................... 133,465 Number of Shares Outstanding: .................. 50,000 Directors: Hall M. Calhoun, III; Katherine Foust; Todd Haynes; Michael D. Koone; Otto Lienhart, II; John Maus; Barry McKuin; Bruce M. Netherton; Charles Ormond; Charles S. Penick; Larry Wayne Smith; Stanton C. Willis Branches in Town: One Other Branches: None Ninety-Fifth Report 69 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:....................................... 8,200 Federal Funds and Repos: ............................... 180 Investments:................................................. 22,453 Net Loans:.................................................. 114,480 Premises and Fixed Assets: .......................... 4,900 Other Real Estate: ............................................ 477 Other Assets: ................................................. 5,996 Total Assets: .............................................. 156,686 Total Trust Assets: ................................................ 0 Deposits: .................................................... 126,079 Federal Funds and Borrowings:................... 15,369 Other Liabilities: ................................................ 250 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 141,698 Total Equity Capital:..................................... 14,988 Total Liabilities and Capital:....................... 156,686 Number of Shares Outstanding: .................... 4,000 Directors: Alex Golden; Randall L. Hollis, Sr.; John Hunter; Royce D. Jones; L. Jan Nordin Branches in Town: One Other Branches: Alma, Little Rock (2), Mansfield, Ozark, Van Buren Diamond Bank Murfreesboro, AR VOICE: (870) 285-2172 FAX: (870) 356-2858 Trust Powers: No Chm: Tim Bainum 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 Pres: Marnie B. Oldner Cash and Due from:..................................... 11,685 Federal Funds and Repos: ................................. 35 Investments:............................................... 125,237 Net Loans:.................................................. 267,146 Premises and Fixed Assets: .......................... 9,239 Other Real Estate: ............................................ 855 Other Assets: ............................................... 11,700 Total Assets: .............................................. 425,897 Total Trust Assets: ................................................ 0 Deposits: .................................................... 347,299 Federal Funds and Borrowings:................... 38,406 Other Liabilities: ............................................. 1,352 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 387,057 Total Equity Capital:..................................... 38,840 Total Liabilities and Capital:....................... 425,897 Number of Shares Outstanding: .................. 10,296 Directors: Evea Bainum; Tab Bainum; Tim Bainum; Tim Brotherton; Richard Cox; Robert Evans; John Hearnsberger; Larry Mitchell; Mike Moore; Marnie B. Oldner; George E. Steel, Jr. Branches in Town: None Other Branches: DeQueen, Dierks, Glenwood, Hope, Hot Springs (4), Mena, Mineral Springs, Mount Ida, Nashville (2) 70 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: Carla P. Stiger CEO/Pres: Jim S. Gowen, Jr. SVP/Cash: Patricia Davis Cash and Due from:..................................... 24,302 Federal Funds and Repos: ............................ 4,510 Investments: ................................................ 66,738 Net Loans: ................................................... 77,588 Premises and Fixed Assets: .......................... 6,088 Other Real Estate: ......................................... 1,345 Other Assets: ................................................. 4,801 Total Assets: .............................................. 185,372 Total Trust Assets:....................................... 15,156 Deposits:.................................................... 167,003 Federal Funds and Borrowings: .................... 3,312 Other Liabilities:............................................. 1,189 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 171,504 Total Equity Capital: .................................... 13,868 Total Liabilities and Capital:....................... 185,372 Number of Shares Outstanding: .................... 9,000 Directors: R. M. Bledsoe; Roger A. Bowman; Thomas R. Curtner; Terry L. Dillon; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Mary K. Hardin; Terry Scoggins; Dr. Larry Williams Branches in Town: One Other Branches: Batesville (2), Des Arc, McCrory, Newark, Tuckerman Southern Bank of Commerce Paragould, AR VOICE: (870) 236-2500 FAX: (870) 236-7283 Trust Powers: Yes 1727 West Kingshighway 72450 Charter Number: 781 Date: November 4, 1999 FDIC Certificate Number: 35335 Home Page: www.southern.com Member of Federal Reserve System Bank Holding Company None CEO/Pres: Lindley Smith SVP: Keith Milligan SVP: Donna Miller Cash and Due from:....................................... 5,704 Federal Funds and Repos: ............................ 4,905 Investments: .................................................. 1,548 Net Loans: ................................................... 15,639 Premises and Fixed Assets: .......................... 1,256 Other Real Estate: ............................................ 870 Other Assets: .................................................... 421 Total Assets: ................................................ 30,343 Total Trust Assets:................................................ 0 Deposits:...................................................... 29,313 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 114 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 29,427 Total Equity Capital: ......................................... 916 Total Liabilities and Capital:......................... 30,343 Number of Shares Outstanding: ............. 3,811,574 Directors: Dr. Asa A. Crow; Howard Eldridge; Donna Miller; Donald Parker; Lindley Smith Branches in Town: None Other Branches: Brookland, Jonesboro, Leachville Ninety-Fifth Report 71 Delta Trust & Bank Parkdale, AR VOICE: (870) 473-2217 FAX: (870) 473-2492 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 Pres: Chris Roberts VChm/COO: Carroll Penick SVP/TO: Jim Shenep Cash and Due from:....................................... 9,836 Federal Funds and Repos: .......................... 11,470 Investments:................................................. 28,461 Net Loans:.................................................. 181,585 Premises and Fixed Assets: .......................... 4,768 Other Real Estate: ......................................... 6,834 Other Assets: ................................................. 4,962 Total Assets: .............................................. 247,916 Total Trust Assets: ..................................... 268,589 Deposits: .................................................... 225,252 Federal Funds and Borrowings:........................ 463 Other Liabilities: ................................................ 631 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 226,346 Total Equity Capital:..................................... 21,570 Total Liabilities and Capital:....................... 247,916 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; Thomas R. Pugh, Jr.; Chris Roberts; Jane W. Rogers; Morin M. Scott, Jr.; Neill Sloan; Philip Tappan Branches in Town: None Other Branches: Bella Vista, Eudora, Gravette, Hamburg, Little Rock (3), Wilmot 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 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:....................................... 5,529 Federal Funds and Repos: ................................... 0 Investments:................................................. 36,316 Net Loans:.................................................... 27,991 Premises and Fixed Assets: ............................. 619 Other Real Estate: .............................................. 17 Other Assets: .................................................... 600 Total Assets: ................................................ 71,072 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 62,395 Federal Funds and Borrowings:..................... 1,005 Other Liabilities: ................................................ 562 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 63,962 Total Equity Capital:....................................... 7,110 Total Liabilities and Capital:......................... 71,072 Number of Shares Outstanding: .................... 4,000 Directors: Steve Bell; Paula O. Blackwell; James C. Poole Branches in Town: One Other Branches: None 72 Arkansas State Bank Department 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:....................................... 2,095 Federal Funds and Repos: ............................ 4,565 Investments: .................................................. 1,363 Net Loans: ................................................... 68,217 Premises and Fixed Assets: .......................... 2,453 Other Real Estate: ......................................... 1,962 Other Assets: .................................................... 915 Total Assets: ................................................ 81,570 Total Trust Assets:................................................ 0 Deposits:...................................................... 74,572 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 505 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 75,077 Total Equity Capital: ...................................... 6,493 Total Liabilities and Capital:......................... 81,570 Number of Shares Outstanding: .................... 4,000 Directors: Joe Benton, III; Jerold Brock; Bill Hannah; Terry Milam; Roy Montgomery; John Stacks; Jack Treat Branches in Town: None Other Branches: Center Ridge, Damascus, Greenbrier, Little Rock, Marshall 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:....................................... 9,033 Federal Funds and Repos: ................................... 0 Investments: ................................................ 26,295 Net Loans: ................................................... 32,309 Premises and Fixed Assets: ............................. 314 Other Real Estate: ................................................ 9 Other Assets: ................................................. 1,487 Total Assets: ................................................ 69,447 Total Trust Assets:................................................ 0 Deposits:...................................................... 56,944 Federal Funds and Borrowings: .................... 3,011 Other Liabilities:................................................ 271 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 60,226 Total Equity Capital: ...................................... 9,221 Total Liabilities and Capital:......................... 69,447 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 Ninety-Fifth Report 73 The Bank of Rison Rison, AR VOICE: (870) 325-6251 FAX: (870) 325-7661 Trust Powers: No 200 Main Street 71665-0345 Chm: James L. Moore, Jr. CEO/Pres: James R. Hopson Charter Number: 650 Date: March 7, 1932 FDIC Certificate Number: 8730 Bank Holding Company None VP: Cliff Hopson VP/Cash: Felicia Bowlin Cash and Due from:....................................... 2,843 Federal Funds and Repos: ............................ 3,420 Investments:................................................... 5,833 Net Loans:.................................................... 15,522 Premises and Fixed Assets: ............................. 124 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,168 Total Assets: ................................................ 28,910 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 23,538 Federal Funds and Borrowings:............................ 0 Other Liabilities: .................................................. 35 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 23,573 Total Equity Capital:....................................... 5,337 Total Liabilities and Capital:......................... 28,910 Number of Shares Outstanding: .................... 4,000 Directors: James R. Hopson; James L. Moore, Jr.; Lee Moore; Frank Wilson Branches in Town: None Other Branches: None Parkway Bank Rogers, AR VOICE: (479) 464-9797 FAX: (479) 464-9796 Trust Powers: No CEO/Pres: Dan Wojcik CFO: Leslie Borgognoni 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 Reg Pres: Chris Lampkin Cash and Due from:....................................... 2,685 Federal Funds and Repos: ............................ 8,750 Investments:................................................. 21,713 Net Loans:.................................................... 75,229 Premises and Fixed Assets: .......................... 5,529 Other Real Estate: ......................................... 4,815 Other Assets: ................................................. 3,302 Total Assets: .............................................. 122,023 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 95,777 Federal Funds and Borrowings:................... 12,600 Other Liabilities: ................................................ 512 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 108,889 Total Equity Capital:..................................... 13,134 Total Liabilities and Capital:....................... 122,023 Number of Shares Outstanding: .................. 20,000 Directors: Chris Lampkin; Michael J. Necessary; Benton Newcome; Joel Newcome; Robert D. Pugh; Eddie Scherm; Dan Wojcik Branches in Town: None Other Branches: Crossett, Monticello, Portland Arkansas State Bank Department 74 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: Ken O. "Mac" McClanahan, Jr. Pres: Scott Franklin CEO: Wade Ruckle SVP: Brian Nave Cash and Due from:.......................................... 977 Federal Funds and Repos: ............................ 1,788 Investments: ................................................ 25,922 Net Loans: ................................................... 83,601 Premises and Fixed Assets: ............................. 345 Other Real Estate: ......................................... 7,396 Other Assets: ................................................. 2,182 Total Assets: .............................................. 122,211 Total Trust Assets:................................................ 0 Deposits:...................................................... 92,323 Federal Funds and Borrowings: .................. 12,196 Other Liabilities:................................................ 418 Subordinated Debt:........................................ 2,000 Total Liabilities:.......................................... 106,937 Total Equity Capital: .................................... 15,274 Total Liabilities and Capital:....................... 122,211 Number of Shares Outstanding: ................ 150,000 Directors: David Estes; Scott Franklin; Thomas Garrison; Clarence Guinn; Michael D. Jeffcoat; Bruce Loftin; Mac McClanahan; Ronald Montgomery; Alan L. Sharp; Ralph Vernetti Branches in Town: None Other Branches: None 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 Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Thomas W. Spillyards VP: Erica Preston EVP: Dennis Ferguson VP/Cash: Darlene Cheatham Cash and Due from:..................................... 10,948 Federal Funds and Repos: ............................ 1,000 Investments: ................................................ 57,176 Net Loans: ................................................. 186,695 Premises and Fixed Assets: ........................ 14,874 Other Real Estate: ......................................... 3,687 Other Assets: ............................................... 11,306 Total Assets: .............................................. 285,686 Total Trust Assets:................................................ 0 Deposits:.................................................... 231,752 Federal Funds and Borrowings: .................. 20,437 Other Liabilities:............................................. 2,453 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 254,642 Total Equity Capital: .................................... 31,044 Total Liabilities and Capital:....................... 285,686 Number of Shares Outstanding: .................. 18,000 Directors: David Bartlett; Dennis Ferguson; Martin Gilbert; Ray Hobbs; Charles Clark Irwin; Eric Pianalto; Thomas W. Spillyards; Jim Tull; Sonya Yates Branches in Town: One Other Branches: Bella Vista, Bentonville, Fayetteville, Lincoln, Prairie Grove, Siloam Springs, Springdale (2) Ninety-Fifth Report 75 First State Bank Russellville, AR VOICE: (479) 498-2400 FAX: (479) 498-2465 Trust Powers: No 3103 East Main 72812 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: Toni B. Laws Pres: Johnny K. Morgan EVP: Max Mathis Cash and Due from:..................................... 11,545 Federal Funds and Repos: .......................... 13,800 Investments:................................................. 19,651 Net Loans:.................................................. 141,380 Premises and Fixed Assets: .......................... 2,373 Other Real Estate: ......................................... 1,786 Other Assets: ............................................... 11,037 Total Assets: .............................................. 201,572 Total Trust Assets: ................................................ 0 Deposits: .................................................... 154,110 Federal Funds and Borrowings:................... 29,486 Other Liabilities: ............................................. 1,354 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 184,950 Total Equity Capital:..................................... 16,622 Total Liabilities and Capital:....................... 201,572 Number of Shares Outstanding: .................. 20,000 Directors: James C. Biggers; Charles Blanchard; William H. Bowen; Terry Freeman; Maxie L. Mathis, III; Mike Miller; Johnny K. Morgan; George Tippin; C. Tim White; Robert M. Wilson; Phil Wright Branches in Town: Four Other Branches: Ola, Plainview 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 Cash and Due from:....................................... 9,547 Federal Funds and Repos: ................................... 0 Investments:................................................. 53,827 Net Loans:.................................................. 112,313 Premises and Fixed Assets: .......................... 4,783 Other Real Estate: .............................................. 68 Other Assets: ............................................... 22,741 Total Assets: .............................................. 203,279 Total Trust Assets: ................................................ 0 Deposits: .................................................... 147,382 Federal Funds and Borrowings:................... 15,547 Other Liabilities: ............................................. 4,919 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 167,848 Total Equity Capital:..................................... 35,431 Total Liabilities and Capital:....................... 203,279 Number of Shares Outstanding: .................... 1,500 Directors: Leon Anderson; Terry Bowie; Dr. Charles Boyce; Keith Cogswell; Ronald B. Jackson; Ike Allen Laws, III; Ed R. Stingley, III; Harve Taylor; Gene Thomason Branches in Town: Two Other Branches: Clarksville (2), Hector 76 Arkansas State Bank Department 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 Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm/CEO/Pres: Mark Montgomery Cash: Lucinda Bishop Cash and Due from:....................................... 7,441 Federal Funds and Repos: ............................... 381 Investments: .................................................. 2,194 Net Loans: ................................................. 105,341 Premises and Fixed Assets: .......................... 1,770 Other Real Estate: ............................................ 987 Other Assets: ................................................. 6,106 Total Assets: .............................................. 124,220 Total Trust Assets:................................................ 0 Deposits:.................................................... 101,070 Federal Funds and Borrowings: .................... 8,346 Other Liabilities:............................................. 1,411 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 110,827 Total Equity Capital: .................................... 13,393 Total Liabilities and Capital:....................... 124,220 Number of Shares Outstanding: .................. 20,000 Directors: D. Karrol Fowlkes; Mark Montgomery; C. Dwayne Plumlee; Guy R. "Buck" Smith; John Ed Welch Branches in Town: None Other Branches: Mammoth Spring, Viola Logan County Bank Scranton, AR VOICE: (479) 938-2511 FAX: (479) 938-7084 Trust Powers: No Chm/CEO/Pres: Joe Fritsche VP: Jerry L. Davis 600 Main Street 72863-0085 Charter Number: 578 Date: April 7, 1926 FDIC Certificate Number: 5632 Bank Holding Company None VP: Gary Fritsche Cash: Don Fritsche Cash and Due from:....................................... 5,703 Federal Funds and Repos: ............................ 1,400 Investments: ................................................ 34,937 Net Loans: ................................................... 20,533 Premises and Fixed Assets: ............................. 436 Other Real Estate: .............................................. 15 Other Assets: .................................................... 745 Total Assets: ................................................ 63,769 Total Trust Assets:................................................ 0 Deposits:...................................................... 52,830 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 224 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 53,054 Total Equity Capital: .................................... 10,715 Total Liabilities and Capital:......................... 63,769 Number of Shares Outstanding: .................... 4,000 Directors: Margaret Ahne; Gary Fritsche; Joe Fritsche; Mildred Fritsche; Regina M. Layes Branches in Town: None Other Branches: Subiaco Ninety-Fifth Report 77 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 TO: Frank Faust Pres: Michael C. Hutsell Cash and Due from:..................................... 57,773 Federal Funds and Repos: .......................... 47,062 Investments:............................................ 1,074,545 Net Loans:............................................... 1,520,588 Premises and Fixed Assets: ........................ 85,211 Other Real Estate: ....................................... 20,657 Other Assets: ............................................... 90,531 Total Assets: ........................................... 2,896,367 Total Trust Assets: ..................................... 447,541 Deposits: ................................................. 2,292,592 Federal Funds and Borrowings:................. 325,969 Other Liabilities: ........................................... 24,697 Subordinated Debt:............................................... 0 Total Liabilities: ....................................... 2,643,258 Total Equity Capital:................................... 253,109 Total Liabilities and Capital:.................... 2,896,367 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: Four Other Branches: Beebe (3), Bella Vista, Benton (2), Bentonville, Bryant (3), Bull Shoals, Cabot (3), Clarksville (3), Clinton, Coal Hill, Conway (6), Fayetteville (5), Gassville, Greenbrier, Griffithville, Heber Springs (2), Jonesboro (2), Judsonia, Little Rock (4), Lowell, Maumelle, Mayflower, McRae, Mountain Home (4), Mountain View, North Little Rock (2), Pangburn, Rogers (3), Springdale (5), Vilonia 78 Arkansas State Bank Department Simmons First Bank of Searcy Searcy, AR VOICE: (501) 268-7575 FAX: (501) 268-1551 Trust Powers: No 401 South Main 72145-1349 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: Blake Holzhauer VP: Kelley Burton Cash and Due from:....................................... 5,133 Federal Funds and Repos: ................................... 0 Investments: ................................................ 18,495 Net Loans: ................................................. 106,097 Premises and Fixed Assets: .......................... 4,347 Other Real Estate: ................................................ 0 Other Assets: ................................................. 8,888 Total Assets: .............................................. 142,960 Total Trust Assets:................................................ 0 Deposits:.................................................... 108,370 Federal Funds and Borrowings: .................. 15,407 Other Liabilities:............................................. 1,843 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 125,620 Total Equity Capital: .................................... 17,340 Total Liabilities and Capital:....................... 142,960 Number of Shares Outstanding: .................. 10,000 Directors: Richard Cargile; Brooks Davis; Dennis Donovan; Al Fowler; Joseph Giezeman; Glenn Rambin; 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 Bank Holding Company None CEO/Pres: John D. Manatt SVP: Roy E. Baxley EVP: Craig L. Manatt SVP: G. Jannette Jones Cash and Due from:....................................... 8,939 Federal Funds and Repos: ............................ 7,010 Investments: ................................................ 24,572 Net Loans: ................................................... 50,099 Premises and Fixed Assets: .......................... 2,865 Other Real Estate: ............................................ 130 Other Assets: ................................................. 2,183 Total Assets: ................................................ 95,798 Total Trust Assets:................................................ 0 Deposits:...................................................... 83,931 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 395 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 84,326 Total Equity Capital: .................................... 11,472 Total Liabilities and Capital:......................... 95,798 Number of Shares Outstanding: .................. 52,562 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 Ninety-Fifth Report 79 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:....................................... 7,243 Federal Funds and Repos: ............................ 8,255 Investments:................................................. 72,868 Net Loans:.................................................... 66,187 Premises and Fixed Assets: .......................... 2,675 Other Real Estate: ............................................ 148 Other Assets: ................................................. 1,130 Total Assets: .............................................. 158,506 Total Trust Assets: ......................................... 2,448 Deposits: .................................................... 140,335 Federal Funds and Borrowings:............................ 0 Other Liabilities: ................................................ 811 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 141,146 Total Equity Capital:..................................... 17,360 Total Liabilities and Capital:....................... 158,506 Number of Shares Outstanding: ................ 100,000 Directors: Gary deYampert; J. Drew Tennyson; James M. 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:.......................................... 540 Federal Funds and Repos: ............................... 860 Investments:................................................... 3,320 Net Loans:.................................................... 43,652 Premises and Fixed Assets: .......................... 2,448 Other Real Estate: ............................................ 682 Other Assets: ................................................. 1,793 Total Assets: ................................................ 53,295 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 43,307 Federal Funds and Borrowings:..................... 5,700 Other Liabilities: ................................................ 133 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 49,140 Total Equity Capital:....................................... 4,155 Total Liabilities and Capital:......................... 53,295 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 80 Arkansas State Bank Department 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:....................................... 9,186 Federal Funds and Repos: ............................ 1,555 Investments: ................................................ 34,575 Net Loans: ................................................... 25,373 Premises and Fixed Assets: ............................... 94 Other Real Estate: ................................................ 0 Other Assets: .................................................... 555 Total Assets: ................................................ 71,338 Total Trust Assets:................................................ 0 Deposits:...................................................... 63,765 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 523 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 64,288 Total Equity Capital: ...................................... 7,050 Total Liabilities and Capital:......................... 71,338 Number of Shares Outstanding: .................. 10,000 Directors: Charles L. Cabe, Jr.; Scott Hultberg; Billie Nipper; J. Paul Nipper; Cynthia Sandefur; Danny K. Smith; J. Woodrow Smith Branches in Town: None Other Branches: None Bank of Star City Star City, AR VOICE: (870) 628-4286 FAX: (870) 628-5274 Trust Powers: No 116 North Lincoln 71667-0069 Charter Number: 567 Date: April 27, 1925 FDIC Certificate Number: 5634 Home Page: www.bankofstarcity.com Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Bennie F. Ryburn, Jr. EVP: Kelley Hunt Pres: R. Mark Owen Cash and Due from:....................................... 1,753 Federal Funds and Repos: ................................... 0 Investments: ................................................ 18,817 Net Loans: ................................................... 64,579 Premises and Fixed Assets: .......................... 3,479 Other Real Estate: ............................................ 318 Other Assets: ................................................. 1,339 Total Assets: ................................................ 90,285 Total Trust Assets:................................................ 0 Deposits:...................................................... 70,464 Federal Funds and Borrowings: .................... 8,432 Other Liabilities:................................................ 184 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 79,080 Total Equity Capital: .................................... 11,205 Total Liabilities and Capital:......................... 90,285 Number of Shares Outstanding: .................. 15,000 Directors: Keith D. Griffin; Kelley Hunt; Tommy L. Lively; Lucille Ollar; R. Mark Owen; Bennie F. Ryburn, Jr.; Marion Ryburn; Kevin White Branches in Town: None Other Branches: Gould, Pine Bluff (2), White Hall Ninety-Fifth Report 81 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/CEO: Carol Reaves EVP: Duncan Grayson Pres: Guy R. "Buck" Smith EVP/CFO: Cheryl Brown Cash and Due from:.......................................... 803 Federal Funds and Repos: ............................ 3,125 Investments:................................................... 4,657 Net Loans:.................................................... 27,391 Premises and Fixed Assets: .......................... 1,833 Other Real Estate: ............................................ 800 Other Assets: ................................................. 1,814 Total Assets: ................................................ 40,423 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 36,005 Federal Funds and Borrowings:............................ 0 Other Liabilities: ............................................. 1,138 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 37,143 Total Equity Capital:....................................... 3,280 Total Liabilities and Capital:......................... 40,423 Number of Shares Outstanding: .................. 11,000 Directors: Duncan Grayson; Carol Reaves; Guy R. Smith; 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 Seventh & Main Streets 72160-1010 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 EVP: Gary Hudson CEO/Pres: Don Pattillo Cash and Due from:..................................... 13,090 Federal Funds and Repos: ............................ 5,350 Investments:............................................... 157,591 Net Loans:.................................................. 311,648 Premises and Fixed Assets: .......................... 7,682 Other Real Estate: ............................................ 941 Other Assets: ............................................... 39,416 Total Assets: .............................................. 535,718 Total Trust Assets: ....................................... 51,549 Deposits: .................................................... 427,908 Federal Funds and Borrowings:................... 42,213 Other Liabilities: ............................................. 3,867 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 473,988 Total Equity Capital:..................................... 61,730 Total Liabilities and Capital:....................... 535,718 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 82 Arkansas State Bank Department Bank of Trumann Trumann, AR VOICE: (870) 483-6333 FAX: (870) 483-7512 Trust Powers: No 326 Highway 463 72472-0048 Charter Number: 354 Date: October 2, 1911 FDIC Certificate Number: 11244 Home Page: www.mytrubank.com Bank Holding Company First Delta Bankshares, Inc., Blytheville, AR CEO/Pres: John R. Gillette VP: Paul McAnally CFO: Cheryl McMasters AVP: Shirley Benson Cash and Due from:....................................... 1,985 Federal Funds and Repos: ............................ 5,050 Investments: ................................................ 16,799 Net Loans: ................................................... 70,420 Premises and Fixed Assets: .......................... 1,274 Other Real Estate: .............................................. 22 Other Assets: ................................................. 5,859 Total Assets: .............................................. 101,409 Total Trust Assets:................................................ 0 Deposits:...................................................... 81,798 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................. 1,099 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 82,897 Total Equity Capital: .................................... 18,512 Total Liabilities and Capital:....................... 101,409 Number of Shares Outstanding: .................. 60,000 Directors: John R. Gillette; Gary Griffin; Paul A. McAnally; Matthew H. Moon; Clyde Robertson, Jr.; Jerry T. Sims; Barry E. Wood Branches in Town: None Other Branches: None 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:..................................... 12,711 Federal Funds and Repos: ................................... 0 Investments: ................................................ 81,345 Net Loans: ................................................. 223,858 Premises and Fixed Assets: .......................... 4,559 Other Real Estate: ......................................... 4,269 Other Assets: ................................................. 7,952 Total Assets: .............................................. 334,694 Total Trust Assets:......................................... 6,860 Deposits:.................................................... 287,700 Federal Funds and Borrowings: .................. 10,927 Other Liabilities:............................................. 2,669 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 301,296 Total Equity Capital: .................................... 33,398 Total Liabilities and Capital:....................... 334,694 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; Samuel M. Sicard; William W. Thomas; James G. Williamson, Jr. Branches in Town: Three Other Branches: Alma, Mountainburg Ninety-Fifth Report 83 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 SVP: Rex Woods CEO/Pres: Jim Fincher Cash: Karen Brown Cash and Due from:....................................... 2,300 Federal Funds and Repos: ............................ 1,925 Investments:................................................... 7,323 Net Loans:.................................................... 61,979 Premises and Fixed Assets: .......................... 4,256 Other Real Estate: ............................................ 801 Other Assets: ................................................. 4,893 Total Assets: ................................................ 83,477 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 69,906 Federal Funds and Borrowings:..................... 2,460 Other Liabilities: ................................................ 389 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 72,755 Total Equity Capital:..................................... 10,722 Total Liabilities and Capital:......................... 83,477 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 First State Bank of Warren Warren, AR VOICE: (870) 226-2601 FAX: (870) 226-2253 Trust Powers: Yes 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:....................................... 6,561 Federal Funds and Repos: ................................... 0 Investments:................................................. 43,130 Net Loans:.................................................... 46,783 Premises and Fixed Assets: .......................... 1,479 Other Real Estate: .............................................. 43 Other Assets: ................................................. 2,104 Total Assets: .............................................. 100,100 Total Trust Assets: ......................................... 1,124 Deposits: ...................................................... 88,961 Federal Funds and Borrowings:........................ 394 Other Liabilities: ................................................ 934 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 90,289 Total Equity Capital:....................................... 9,811 Total Liabilities and Capital:....................... 100,100 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 84 Arkansas State Bank Department Warren Bank and Trust Company Warren, AR VOICE: (870) 226-2621 FAX: (870) 226-6261 Trust Powers: Yes Chm: John B. Frazer SVP: Tim Spraggins 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 SVP/CFO/TO: Hunter Johnson SVP/Cash: James E. Smith Cash and Due from:....................................... 7,150 Federal Funds and Repos: ............................ 1,325 Investments: ................................................ 53,190 Net Loans: ................................................... 66,058 Premises and Fixed Assets: ............................. 802 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,890 Total Assets: .............................................. 130,415 Total Trust Assets:....................................... 25,640 Deposits:.................................................... 100,440 Federal Funds and Borrowings: .................. 14,213 Other Liabilities:................................................ 443 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 115,096 Total Equity Capital: .................................... 15,319 Total Liabilities and Capital:....................... 130,415 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 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.ebtonline.com Bank Holding Company Evolve Bancorp, Inc., West Memphis, AR Chm: Scot Lenoir EVP/CFO: John Clement CEO/Pres: Scott Stafford EVP/COO: John Chandler Cash and Due from:....................................... 7,202 Federal Funds and Repos: ............................ 2,778 Investments: ................................................ 38,882 Net Loans: ................................................... 68,752 Premises and Fixed Assets: .......................... 1,210 Other Real Estate: .............................................. 27 Other Assets: ................................................. 6,119 Total Assets: .............................................. 124,970 Total Trust Assets:..................................... 258,297 Deposits:...................................................... 99,732 Federal Funds and Borrowings: .................. 11,000 Other Liabilities:................................................ 541 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 111,273 Total Equity Capital: .................................... 13,697 Total Liabilities and Capital:....................... 124,970 Number of Shares Outstanding: .................. 68,286 Directors: Donald Clanton; J. De DeHart; E. James House, Jr.; Scot Lenoir; Scott Stafford; Stephen Valentine Branches in Town: None Other Branches: None Ninety-Fifth Report 85 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 Pres: David Dowd CEO: Mac McClanahan TO: Vincent E. Guest Cash and Due from:....................................... 3,813 Federal Funds and Repos: .......................... 14,585 Investments:................................................. 27,295 Net Loans:.................................................. 126,677 Premises and Fixed Assets: .......................... 5,365 Other Real Estate: ............................................ 856 Other Assets: ................................................. 6,206 Total Assets: .............................................. 184,797 Total Trust Assets: ....................................... 10,491 Deposits: .................................................... 161,557 Federal Funds and Borrowings:..................... 2,052 Other Liabilities: ................................................ 106 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 163,715 Total Equity Capital:..................................... 21,082 Total Liabilities and Capital:....................... 184,797 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, 2009 88 Arkansas State Bank Department Arkansas Capital Corporation Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Trust Powers: No Chm: David Shindler CEO: C. Sam Walls 200 South Commerce, Suite 400 72201-1766 Charter Number: 1006 Date: August 6, 1958 Home Page: www.arcapital.com Bank Holding Company None Pres: Rush Deacon EVP: Jay W. Wisener Cash and Due from:....................................... 2,727 Federal Funds and Repos: ................................... 0 Investments: .................................................. 5,835 Net Loans: ................................................... 36,492 Premises and Fixed Assets: .......................... 1,279 Other Real Estate: ............................................ 660 Other Assets: ................................................. 2,169 Total Assets: ................................................ 49,162 Total Trust Assets:................................................ 0 Deposits:............................................................... 0 Federal Funds and Borrowings: .................. 41,578 Other Liabilities:............................................. 3,273 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 44,851 Total Equity Capital: ...................................... 4,311 Total Liabilities and Capital:......................... 49,162 Number of Shares Outstanding: .................... 1,077 Directors: Orville E. Abrams; John W. Ahlen; Carl E. Baggett; Phil Baldwin; Charles Cervantes; Dennis Cooper; Rush B. Deacon; Mac Dodson; Maria Haley; James R. Jordan; Virgil L. Miller, Jr.; Bert M. Mullens; Don Pattillo; H. Glenn Rambin; David H. Shindler; William T. Staed; C. Sam Walls Branches in Town: None Other Branches: Fayetteville, Jonesboro REPORT OF TRUST COMPANIES (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2009 Arkansas State Bank Department 90 FirsTrust Financial Services, Inc. Conway, AR VOICE: (501) 312-1442 FAX: (501) 312-1477 Population: 43,167 719 Harkrider, Suite 100 72032 CEO/Pres: David Straessle Charter Number: 35000 Date: May 22, 2001 County: Faulkner CFO: Randy Mayor Directors: Robert F. Birch, Jr.; Tracy M. French; Randy Mayor; C. Randall Sims; Ron W. Strother Branches in Town: One Other Branches: El Dorado Community First Trust Company Hot Springs, AR VOICE: (501) 520-3660 FAX: (501) 520-3667 Population: 35,750 135 Section Line Road, C-1 71913 CEO/Pres: William L. Kerst, Jr. Charter Number: 35001 Date: June 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: Hot Springs Village, Little Rock, Russellville REPORT OF THE REGIONAL/COUNTY INDUSTRIAL DEVELOPMENT CORPORATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2009 Arkansas State Bank Department 92 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: James C. Hawkins REPORT OF THE CAPITAL DEVELOPMENT COMPANY (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2009 Arkansas State Bank Department 94 Commerce Capital Development Company, LLC Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Pres: C. Sam Walls 200 South Commerce Street, Suite 400 72201 Charter Number: 45001 Date: Aug. 28, 2003 County: Pulaski Sec: Sam Walls, III LIST OF COMMERCIAL BANKS BY COUNTY AND MAP OF ARKANSAS COUNTIES JUNE 30, 2009 Arkansas State Bank Department 96 COUNTY BANK CITY Arkansas Arkansas County Bank DeWitt Bank And Trust Company Planters & Merchants Bank 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 Calhoun County 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 of Arkansas Summit Bank Arkadelphia Arkadelphia Clay Piggott State Bank Cleburne Heber Springs State Bank Cleveland The Bank of Rison Columbia Farmers Bank and Trust Company The Peoples Bank DeWitt DeWitt Gillett Stuttgart Crossett Crossett Hamburg Parkdale Portland Mountain Home Warren Warren Hampton Piggott Heber Springs Rison Magnolia Magnolia Ninety-Fifth Report 97 COUNTY BANK CITY Conway Petit Jean State Bank Craighead Heritage Bank Liberty Bank of Arkansas Simmons First Bank of Jonesboro Jonesboro Jonesboro Jonesboro Crawford Allied Bank Citizens Bank & Trust Company First Community Bank of Crawford County Mulberry Van Buren Van Buren Crittenden First Community Bank of Eastern Arkansas 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 Southern Bank of Commerce Hot Spring The Malvern National Bank Independence The Citizens Bank First Community Bank First Southern Bank Morrilton Marion West Memphis West Memphis Wynne Wynne Salem Hot Springs Hot Springs Hot Springs Sheridan Paragould Paragould Malvern Batesville Batesville Batesville Arkansas State Bank Department 98 COUNTY BANK CITY 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 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 The First National Bank in Blytheville Blytheville 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 Southern Bancorp Bank, N. A. Helena West Helena Pike Bank of Delight Diamond Bank Delight Murfreesboro Calico Rock Newport Pine Bluff Pine Bluff Bradley Stamps Walnut Ridge Star City Booneville Paris Scranton England Lonoke Huntsville Flippin Ninety-Fifth Report 99 COUNTY BANK CITY Poinsett Little River Bank First Delta Bank Bank of Trumann Polk The Union Bank of Mena Pope First State Bank Simmons First Bank of Russellville Pulaski First Arkansas Bank & Trust Arkansas Bankers' Bank Bank of Little Rock Bank of the Ozarks The Capital Bank Central Bank Eagle Bank & Trust Company Metropolitan National Bank One Bank & Trust, National Association National Bank of Arkansas in North Little Rock 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, N. A. Union First Financial Bank Simmons First Bank of El Dorado, N. A. Smackover State Bank Lepanto Marked Tree Trumann Mena Russellville Russellville Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock North Little Rock Bryant Fort Smith Greenwood Forrest City Forrest City Mountain View El Dorado El Dorado Smackover Arkansas State Bank Department 100 COUNTY BANK Washington Arvest Bank Bank of Arkansas, N. A. The Bank of Fayetteville Signature Bank of Arkansas Legacy National Bank 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 CITY Fayetteville Fayetteville Fayetteville Fayetteville Springdale Bald Knob Searcy Searcy Augusta McCrory Danville Dardanelle Ninety-Fifth Report MAP OF ARKANSAS COUNTIES 101 ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2009 Arkansas State Bank Department 104 Southern Bancorp Inc. Arkadelphia, AR RSSD Number: 1248939 VOICE: (870) 246-3945 FAX: (870) 246-2182 605 Main, Suite 202 71923-6037 Chm: Walter Smiley CEO/Pres: Phillip N. Baldwin CFO/VP: Brent Black Subsidiaries: Southern Bancorp Bank of Arkansas Southern Bancorp Bank - National Phillips Insurance Services, Inc. First Investment Advisory Services, Inc. Southern Development Statutory Trust III Southern Development Statutory Trust IV Southern Property Corporation of the Delta Southern Bancorp Bank of Mississippi Arkadelphia, AR West Helena, AR Elaine, AR Helena, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Ruleville, MS Summit Bancorp, Inc. Arkadelphia, AR RSSD Number: 2618388 VOICE: (870) 246-8070 FAX: (870) 246-7122 409 Main Street P. O. Box 965 71923 Chm: Ross M. Whipple CEO: W. Conner Eldridge Pres/COO: Marcus J. McCain EVP/CFO: Christopher M. Wewers 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 Ninety-Fifth Report 105 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: Alan Bufford 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 Sec: Frank Tripp Subsidiaries: First Community Bank Batesville Insurance Agency, Inc. First Community Real Estate, Inc. Batesville, AR Batesville, AR Batesville, AR Bearden Bancshares, Inc. Bearden, AR RSSD Number: 2993722 VOICE: (870) 687-2233 FAX: (870) 687-2474 Chm: 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 106 Arkansas State Bank Department 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 Central Mortgage Company Arvest Bank Operations, Inc. Arvest Mortgage Company Arvest Insurance, Inc. Arvest Investments, Inc. First Place on the Creeks, L.L.C. Trust Title Company LLC WACO Title Company ATC Services, Inc. Security Bankcard Center, Inc. Southwest Cattlemen's Corporation Superior Finance Company Superior Financial Statutory Trust II CFB Aviation, LLC Arvest Trust Company N. A. Arvest Statutory Trust I 125 West Central #218 P.O. Box 1860 72712 Sec: Karla Payne Bentonville, AR Fayetteville, AR Little Rock, AR Lowell, AR Lowell, AR Rogers, AR Rogers, AR Rogers, AR Rogers, AR Springdale, AR Bartlesville, OK Norman, OK Tulsa, OK Tulsa, OK Hartford, CT Bentonville, AR Rogers, AR Hartford, CT Ninety-Fifth Report 107 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 Subsidiaries: Arvest Bank Central Mortgage Company Arvest Bank Operations, Inc. Arvest Mortgage Company Arvest Insurance, Inc. Arvest Investments, Inc. First Place on the Creeks, L.L.C. Trust Title Company LLC WACO Title Company ATC Services, Inc. Security Bankcard Center, Inc. Southwest Cattlemen's Corporation Superior Finance Company Superior Financial Statutory Trust II VP/Treas/Sec: Richard D. Chapman Fayetteville, AR Little Rock, AR Lowell, AR Lowell, AR Rogers, AR Rogers, AR Rogers, AR Rogers, AR Springdale, AR Bartlesville, OK Norman, OK Tulsa, OK Tulsa, OK Hartford, CT Arkansas State Bank Department 108 Farmers Bancorp, Inc. Blytheville, AR RSSD Number: 1247615 VOICE: (870) 763-8101 FAX: (870) 763-3500 400 West Main Street P. O. Box 688 72316-0688 Chm/CEO/Pres: Steve Bell VP: Paula O. Blackwell Sec: Randy Scott Subsidiaries: Farmers Bank And Trust Company TBH Global Asset Management LLC Blytheville, AR Nashville, TN First Delta Bankshares, Inc. Blytheville, AR RSSD Number: 1097388 VOICE: (870) 763-4443 FAX: (870) 762-5312 120 South Second Street P. O. Box 809 72316-0809 Chm/CEO: Jerry T. Sims Pres: Gary Griffin Subsidiaries: The First National Bank in Blytheville Bank of Trumann Blytheville, AR Trumann, AR First Western Bancshares ESOT Booneville, AR RSSD Number: 2628994 VOICE: (479) 675-0369 FAX: (479) 675-0751 80 West Main P. O. Box 87 72927-0087 Chm: Jeral L. Hampton Subsidiaries: First Western Bancshares, Inc. First Western Bank First Western Financial First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. First Western Statutory Trust II First Western Statutory Trust III Westark Real Estate Appraisals Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Ninety-Fifth Report 109 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 Sec: Debbie Danekas Subsidiaries: First Western Bank First Western Financial First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. First Western Statutory Trust II First Western Statutory Trust III Westark Real Estate Appraisals Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Community State Bancshares, Inc. Bradley, AR RSSD Number: 3058758 VOICE: (870) 894-3322 FAX: (870) 894-3324 208 West Fourth Street P. O. Box 120 71826-0120 Pres: Jeffrey C. Hobbs VP: Jerry G. Hartline Subsidiaries: Community State Bank Bradley, AR Harrell Bancshares, Inc. Camden, AR RSSD Number: 2352196 VOICE: (870) 837-8300 FAX: (870) 837-8310 CEO/Pres: Searcy W. Harrell, Jr. VP: Jonathan W. Harrell Subsidiaries: Calhoun County Bank 1325 Hwy. 278 Bypass P. O. Box 10 71701 Sec: Phillip J. Foster Hampton, AR Arkansas State Bank Department 110 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 297 Madison P. O. Box 280 72029-0280 Chm: J. Baxter Sharp, III CEO/Pres: J. Kendall Henry Subsidiaries: The Merchants and Planters Bank Clarendon, AR Home BancShares, Inc. Conway, AR RSSD Number: 1491409 VOICE: (501) 328-4663 FAX: (501) 328-4679 Chm/CEO: John W. Allison Pres/COO: Ron Strother Subsidiaries: Centennial Bank Centennial Insurance Agency, Inc. Grand Prairie Title Company, Inc. First Data Solutions, Inc. FirsTrust Financial Services, Inc. FirsTrust Financial Services, Inc. Community Financial Group Statutory Trust I Home Bancshares Statutory Trust I Home BancShares Statutory Trust II Marine Bancorp Statutory Trust I Centennial (AR) Statutory Trust I 719 Harkrider Street, Suite 100 P. O. Box 966 72032 CFO: Randy E. Mayor Conway, AR Cabot, AR Cabot, AR Conway, AR Conway, AR North Little Rock, AR Hartford, CT Hartford, CT Hartford, CT Hartford, CT Wilmington, DE Ninety-Fifth Report 111 Ashley Bancstock Company Crossett, AR RSSD Number: 1099337 VOICE: (870) 364-1300 FAX: (870) 364-2205 218 Main Street 71635 CEO/Pres: Edward Holt EVP: Jim V. Fincher SVP: Bill W. Lee, II Treas: Gerald G. Crawford, II Subsidiaries: First National Bank of Crossett First Community Bank of Crawford County Ashley Bancstock Company Statutory Trust I Crossett, AR Van Buren, AR Crossett, AR Evergreen Bancshares, Inc. Crossett, AR RSSD Number: 1134797 VOICE: (870) 364-5131 FAX: (870) 364-6329 200 Pine Street P. O. Box 638 71635-0638 CEO/Pres: Richard E. Griffin Subsidiaries: First State Bank Crossett, AR Chambers Bancshares, Inc. Danville, AR RSSD Number: 1141487 VOICE: (479) 495-4680 FAX: (479) 495-4681 Chm/CEO/Pres: John Ed Chambers, III Subsidiaries: Chambers Bank CBI Holdings, Inc. Sloan Capital Trust I 105 East 9th Street P. O. Box 1330 72833-1330 CFO: Mike Donnell Danville, AR Danville, AR Danville, AR Arkansas State Bank Department 112 Bank of Dardanelle Bankshares, Inc. Dardanelle, AR RSSD Number: 1134546 VOICE: (479) 229-3311 FAX: (479) 229-4180 102 North Front Street P. O. Box 577 72834-0577 CEO/Pres: Ronald L. Taylor Sec: Thomas C. Berryhill Subsidiaries: River Town Bank Dardanelle, AR 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: Richard E. Wilmoth CEO/Pres: Vernon L. Austin Subsidiaries: Decatur State Bank Decatur Insurance Agency 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 Chm: Dennis Smiley Subsidiaries: First State Bank of DeQueen First State Insurance of DeQueen Inc. FSBI Statutory Trust I 402 West Collin Raye Drive P. O. Box 970 71832-0970 CEO/Pres: Gary L. Golden DeQueen, AR DeQueen, AR DeQueen, AR Ninety-Fifth Report 113 DBT Financial Corporation DeWitt, AR RSSD Number: 1139176 VOICE: (870) 946-3531 FAX: (870) 946-2815 Second and Jefferson Streets P. O. Drawer 71 72042-0071 Pres: Nancy F. Rasco Sec: David Jessup Subsidiaries: DeWitt Bank And Trust Company DBT Realty Company, Inc. Planters & Merchants Bank P & M Realty DeWitt Bank and Trust Insurance Company, Inc DeWitt, AR DeWitt, AR Gillett, AR Gillett, AR DeWitt, AR DeWitt First Bankshares Corporation DeWitt, AR RSSD Number: 1099243 VOICE: (870) 946-3551 FAX: (870) 946-1562 220 West Cross P. O. Box 511 72042-0511 CEO/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 Subsidiaries: Merchants & Farmers Bank 500 Highway 65 South P. O. Box 187 71639-0187 Treas/Sec: Betty B. Trites Dumas, AR Arkansas State Bank Department 114 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 Hartford, CT New Castle, DE 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. BOE Leasing, LLC England, AR Little Rock, AR Little Rock, AR Delta Bancshares of Louisiana, Inc. Eudora, AR RSSD Number: 2806662 VOICE: (870) 355-8311 FAX: (870) 355-8509 Chm: Charles F. Poole Subsidiaries: The Eudora Bank West Carroll Community Bank 111 North Main Street P. O. Box 250 71640-0250 Pres: Gene Keith Eudora, AR Oak Grove, LA Ninety-Fifth Report 115 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 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 One South Block Avenue P.O. Box 1728 72701 CEO/Pres: Mary Beth Brooks EVP: Bob King EVP: Billie Pelton EVP: Sam Stricklin Subsidiaries: The Bank of Fayetteville Bank of Fayetteville East Square LLC BOF Cato Springs, LLC Bankshares of Fayetteville Statutory Trust I Fayetteville, AR Fayetteville, AR Fayetteville, AR Fayetteville, AR 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: Michael E. Hill Subsidiaries: Signature Bank of Arkansas CCO: Dan Hendricks COO: Marilyn K. Hendricks Fayetteville, AR 116 Arkansas State Bank Department FBT Bancshares, Inc. Fordyce, AR RSSD Number: 1099092 VOICE: (870) 352-3107 FAX: (870) 352-5202 200 West 4th Street 71742-2202 Chm/CEO/Pres: James V. Hulse, Jr. EVP: Don Lyle EVP/Sec: Suzette Crutchfield Subsidiaries: Fordyce Bank & Trust Company Fordyce, AR 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/CEO/Pres: Samuel M. Sicard EVP: Mont S. Echols, Jr. VP: James G. Williamson, Jr. Sec: Niki Harrison Subsidiaries: The First National Bank of Fort Smith Citizens Bank & Trust Company PMF, Inc. National Bank of Sallisaw Brown-Hiller, Inc. First Asset Holdings, LLC Realty Appraisals, Inc. B-H-C & Associates of Oklahoma Fort Smith, AR Van Buren, AR Van Buren, AR Sallisaw, OK Fort Smith, AR Fort Smith, AR Fort Smith, AR Sallisaw, OK Bainum Bancorp Glenwood, AR RSSD Number: 1491333 VOICE: (870) 356-2121 FAX: (870) 356-6327 Chm/CEO/Pres: Tim Bainum CFO: Marnie B. Oldner Subsidiaries: Diamond Bank Diamond State Insurance Agency 205 Hwy 70 East P. O. Box 500 71943 Sec: Lynda Robbins Murfreesboro, AR Murfreesboro, AR Ninety-Fifth Report 117 Gravett Bancshares, Inc. Gravette, AR RSSD Number: 3143953 VOICE: (479) 787-5251 FAX: (479) 787-6102 211 South East Main Street P.O. Box 149 72736-0149 Chm/Pres: John R. Meade EVP/Sec: David N. Wills VP: Jim A. Edmondson Subsidiaries: Bank of Gravett Gravette, AR First Service Bancshares, Inc. Greenbrier, AR RSSD Number: 1137266 VOICE: (501) 679-7200 FAX: (501) 679-5104 136 Broadview P.O. Box 190 72058 Chm/CEO/Pres: Thomas H. Grumbles Treas/Sec: Kenneth Barnard Sec: Veronica Studards 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 Chm/Pres: John Stacks VP: Joe Benton Subsidiaries: Home Bank of Arkansas HomeBank Insurance Agency 61 A South Broadview P. O. Box 307 72058 VP: Bill Hannah Sec: Terry Milam Portland, AR Greenbrier, AR Arkansas State Bank Department 118 Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (479) 996-4171 FAX: (479) 996-6700 Chm: Elizabeth Wilkinson 71 West Center Street P. O. Box 610 72936-0610 CEO/Pres: Edward Wilkinson Subsidiaries: Farmers Bank Greenwood, AR Community First Bancshares, Inc. Harrison, AR RSSD Number: 2754585 VOICE: (870) 391-8000 FAX: (870) 391-8081 Chm/CEO: Jerry Maland 200 East Ridge P. O. Box 913 72602-0913 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 Chm/CEO/Pres: Edith H. Smith VP: C. E. Hendrix, Jr. Subsidiaries: Horatio State Bank 123 Main Street P. O. Box 347 71842-0347 Treas/Sec: Carl E. Hendrix, III Horatio, AR Ninety-Fifth Report 119 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 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 First Arkansas Statutory Trust I Jacksonville, AR Jacksonville, AR Jacksonville, AR Heritage Capital Corporation Jonesboro, AR RSSD Number: 1143717 VOICE: (870) 802-2344 FAX: (870) 268-2033 Chm/CEO: Larry Grisham Pres: Stephen D. May Subsidiaries: Heritage Bank 2009 Browns Lane P. O. Box 3020 72403-3020 Treas/Sec: Diane Steiling Jonesboro, AR Arkansas State Bank Department 120 Liberty Bancshares, Inc. Jonesboro, AR RSSD Number: 3101784 VOICE: (870) 934-9000 FAX: (870) 268-1551 2901 East Highland Drive P.O. Box 7514 72401 Chm/CEO: Wallace W. Fowler Pres: Mark P. Fowler VP: John C. Freeman Sec: Lloyd H. McCracken, Jr. Subsidiaries: Liberty Bank of Arkansas Freedom Insurance Group, Inc. Town & Country Insurance Agency, Inc. Liberty Statutory Trust 1 Liberty Statutory Trust II MSB Capital Trust I Russellville Statutory Trust I Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Southeast Arkansas Bank Corporation Lake Village, AR RSSD Number: 1137033 VOICE: (870) 265-2241 FAX: (870) 265-2125 201 Main Street P. O. Box 727 71653-0727 Chm/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 Bank The Jefferson Agency 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 CEO/Pres: Benjamin E. Perry Subsidiaries: Little River Bank 202 Greenwood Avenue P. O. Box 340 72354-0340 Sec: John W. Alderson, IV Lepanto, AR Ninety-Fifth Report 121 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/Pres/COO: Mark D. Ross CFO: Paul E. Moore Subsidiaries: Bank of the Ozarks Arlington Park, LLC The Highlands Group, Inc. Ozark Capital Statutory Trust III Ozark Capital Statutory Trust IV Ozark Capital Statutory Trust V Ozark Capital Statutory Trust II Little Rock, AR Little Rock, AR Little Rock, AR Wilmington, DE Wilmington, DE Chicago, IL Boston, MA Capital Bancshares, Inc. Little Rock, AR RSSD Number: 2777016 VOICE: (501) 228-6000 FAX: (501) 228-6006 12224 Chenal Parkway P. O. Box 8210 72211 Chm: Warren Stephenson CEO/Pres: Kyle E. Patton CFO: Jeanette Nation Subsidiaries: The Capital Bank Little Rock, AR Delta Trust & Banking Corporation Little Rock, AR RSSD Number: 2834115 VOICE: (501) 907-2286 FAX: (501) 907-2299 Chm/CEO: J. French Hill Pres: Carroll Penick Subsidiaries: Delta Trust & Bank Delta Trust Insurance Agency, Inc. Delta Trust Investments, Inc. Moore Mortgage Inc. 11700 Cantrell Road P. O. Box 17607 72223 Sec: Becky Hughes Parkdale, AR Little Rock, AR Little Rock, AR Little Rock, AR Arkansas State Bank Department 122 Little Rock Bankshares, Inc. Little Rock, AR RSSD Number: 2617082 VOICE: (501) 376-0800 FAX: (501) 374-7937 200 North State Street P. O. Box 34090 72203 Chm/CEO: Eugene L. Maris Pres: George G. Worthen EVP: Larry R. Brown SVP/Cash: Lee A. Swearingen Subsidiaries: Bank of Little Rock BLR Mortgage Corp. Hallmark Loan & Inv. Co. Little Rock, AR Little Rock, AR Little Rock, AR Riverside Bancshares, Inc. Little Rock, AR RSSD Number: 2155342 VOICE: (501) 614-6161 FAX: (501) 614-6162 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 One Information Way 72202 CEO/Pres: L. Walter Quinn Subsidiaries: Heartland Community Bank Rock Bancshares Statutory Trust I Rock Bancshares Statutory Trust II Bryant, AR Little Rock, AR Little Rock, AR Ninety-Fifth Report 123 State Holding Company Little Rock, AR RSSD Number: 1100046 VOICE: (501) 223-3450 FAX: (501) 223-8008 650 South Shackleford, Suite 450 72211 Chm: Harry L. Hastings, Jr. CEO/Pres: Catherine H. Owen EVP: Paul Castleberry Sec: Randall K. Herlocker Subsidiaries: Heber Springs State Bank Eagle Development Company North Eagle Bank & Trust Company Eagle Development Company South State Mortgage Company Heber Springs, AR Heber Springs, AR Little Rock, AR Little Rock, AR Little Rock, AR Lonoke Bancshares, Inc. Lonoke, AR RSSD Number: 1491614 VOICE: (501) 676-3106 FAX: (501) 676-5046 Chm: Neil Bennett, Jr. CEO: David R. Estes 101 South Center Street 72086 CFO: Wade A. Ruckle 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 VChm: Harold H. Fincher Subsidiaries: The Peoples Bank 500 North Jackson Street P. O. Box 340 71754-0340 Pres: Mary L. Fowler Sec: Sharon Elledge Magnolia, AR Arkansas State Bank Department 124 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: T. H. Bradley, Jr. Subsidiaries: Farmers Bank and Trust Company FB&T Insurance Agency of South Arkansas, Inc. Magnolia Properties, Inc. Magnolia Statutory Trust I Magnolia Statutory Trust II Magnolia, AR 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 SVP/Cash: Brenda Eldridge Sec: Frank A. Fogleman Subsidiaries: First Community Bank of Eastern Arkansas 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-Fifth Report 125 M. D. Thompson & Son Co. McCrory, AR RSSD Number: 1094967 VOICE: (870) 731-2526 FAX: (870) 731-2527 105 South Edmonds Avenue P. O. Box 388 72101-0388 CEO/Pres: John G. Thompson VP/Sec: H. Ripley Thompson Sec: Vance M. Thompson, III 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 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 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 126 Union Bankshares, Inc. Mena, AR RSSD Number: 1099805 VOICE: (479) 394-2211 FAX: (479) 394-3809 303 Hwy 71 North P. O. Box 898 71953-0898 Chm: Edward W. Stevenson CEO/Pres: Philip B. Hensley SVP/CFO: Michael D. Myers Sec: David Maddox Subsidiaries: The Union Bank of Mena The First National Bank at Paris Union Bankshares Statutory Trust, Inc. 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. Pres: George T. Harris 212 West Gaines P. O. Box 150 71657-0150 SVP: Michael Efird, Sr. SVP: Rusty Smith Subsidiaries: Commercial Bank & Trust Company Monticello, AR First Union Financial Corporation Monticello, AR RSSD Number: 1098880 VOICE: (870) 460-6435 FAX: (870) 460-6431 Chm/CEO: Zach McClendon, Jr. Pres: Dave Dickson Subsidiaries: Union Bank And Trust Company First Union Statutory Trust I 102 West McCloy P. O. Box 270 71657-0270 Sec: John S. McClendon Monticello, AR Monticello, AR Ninety-Fifth Report 127 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 McCry Mulberry, AR Little Rock, AR Mulberry, AR Arkansas State Bank Department 128 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 120 Hazel Street P.O. Box 650 72112 Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. 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 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 Ninety-Fifth Report 129 Jefferson Bancshares, Inc. Pine Bluff, AR RSSD Number: 2267665 VOICE: (870) 535-7222 FAX: (870) 540-1224 912 Poplar Street P.O. Box 7878 71601-4861 Chm/CEO: John P. Garrison VChm: Marie Cotner Pres/COO: Chuck Morgan Treas/Sec: Ruby G. Owen Subsidiaries: Hot Springs Bank & Trust Company Pine Bluff National Bank Jefferson Bancshares Capital Trust Jefferson Bancshares Capital Trust II Jefferson Insurance and Financial Services, LLC Jefferson Title Company, LLC Hot Springs, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Simmons First National Corporation Pine Bluff, AR RSSD Number: 1094828 VOICE: (870) 541-1000 FAX: (870) 541-1123 Chm/CEO: J. Thomas May Pres/COO: David L. Bartlett Subsidiaries: Simmons First Bank of El Dorado, N. A. Simmons First Bank of Hot Springs Simmons First Bank of Jonesboro Simmons First Bank of South Arkansas Simmons First National Bank, 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 501 Main Street P. O. Box 7009 71611-7009 EVP: Marty Casteel EVP/CFO: Robert A. Fehlman 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 130 Arkansas State Bank Department Parkway Bankshares, Inc. Portland, AR RSSD Number: 1141188 VOICE: (870) 737-2226 FAX: (870) 737-4263 217 N. Main Street 71663 Chm: Joel Newcome Chm: Robert D. Pugh Treas/Sec: Leslie Borgognoni Subsidiaries: Parkway Bank Rogers, AR Prescott Bancshares, Inc. Prescott, AR RSSD Number: 2236586 VOICE: (870) 887-2688 FAX: (870) 887-6822 East Second at Main P.O. Drawer 490 71857-0490 Pres: John Warren Brannan, Jr. EVP: 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 CEO/Pres: Scott Franklin Subsidiaries: Pinnacle Bank 4201 West New Hope Road, Suite 101 72758 Sec: David Estes Rogers, AR Ninety-Fifth Report 131 First State Banking Corporation Russellville, AR RSSD Number: 1096448 VOICE: (479) 498-2402 FAX: (479) 498-2465 3103 East Main Street P. O. Box 10610 72812 Chm/CEO: Charles Blanchard Pres: Johnny K. Morgan CFO/VP: Andrea Nicholson Subsidiaries: First State Bank Nimrod Real Estate, Inc. FSB Capital Trust II FSB Capital Trust III Russellville, AR Russellville, AR Wilmington, DE Wilmington, DE 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 Heartland Renaissance Fund Sub 1 LLC Peoples Real Estate Management Co. First Security Investment Advisors, Inc. First Security Real Estate Management, Inc. FNBS Investments Inc. Crews & Associates, Inc. First Security Leasing, Inc. Torrent Fire Co. #4 LLC Cheyenne Aircraft LLC Union Air LLC Searcy, AR Conway, AR Mountain Home, AR Searcy, AR Searcy, AR Las Vegas, NV Little Rock, AR Little Rock, AR Little Rock, AR Searcy, AR Searcy, AR Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 CEO/Pres: Bob Willett SVP: J. Drew Tennyson Subsidiaries: Smackover State Bank 708 North Broadway P. O. Box 107 71762-0107 SVP: James B. Yeager VP: Vicki Davis Smackover, AR 132 Arkansas State Bank Department 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: Curtis Hutchins Subsidiaries: First State Bank of Northwest Arkansas Huntsville, AR Bodcaw Bancshares, Inc. Stamps, AR RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 307 Thomas Street P. O. Box 8 71860-0008 Chm: J. Paul Nipper Subsidiaries: Bodcaw Bank Stamps, AR Star City Bancshares, Inc. Star City, AR RSSD Number: 1131723 VOICE: (870) 628-4286 FAX: (870) 628-5274 116 North Lincoln P. O. Drawer 69 71667-0069 Chm/CEO/Pres: Bennie F. Ryburn, Jr. Subsidiaries: Bank of Star City Star City, AR Ninety-Fifth Report 133 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 72160-1010 Chm: Roy O. McCollum, III CEO/Pres: Don Pattillo 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. 72301 Bank Holding Company Evolve Financial Group, Inc., Memphis, TN Chm: Scot Lenoir Subsidiaries: Evolve Bank & Trust Sec: Scott Stafford West Memphis, AR Arkansas State Bank Department 134 Cross County Bancshares, Inc. Wynne, AR RSSD Number: 1131611 VOICE: (870) 238-8171 FAX: (870) 238-4052 Chm: Dr. Willard G. Burks CEO/Pres: Mac McClanahan 1 Cross County Plaza P. O. Box 9 72396-0009 EVP: David Dowd Treas/Sec: Shelia Stotts Subsidiaries: Cross County Bank Wynne, AR First National Corporation of Wynne Wynne, AR RSSD Number: 1132159 VOICE: (870) 238-2361 FAX: (870) 238-8148 CEO/Pres: Harold Hardwick 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: Nancy Faulkner Flippin, AR Wynne, AR OUT OF STATE BANK HOLDING COMPANIES AND THEIR ARKANSAS SUBSIDIARIES JUNE 30, 2009 Arkansas State Bank Department 136 First National Bankers Bankshares, Inc. Baton Rouge, LA RSSD Number: 1086131 VOICE: (225) 924-8015 FAX: (225) 231-5002 7813 Office Park Boulevard P.O. Drawer 80579 70809 Chm/CEO/Pres: Joseph F. Quinlan, Jr. SVP: Kimberly M. Langlois Subsidiaries: Alabama Banker's Bank, N.A. Arkansas Bankers' Bank First National Banker's Bank Mississippi National Banker's Bank FNBB Capital Markets, LLC First National Bankers Bankshares, Inc. Statutory Trust I First National Bankers Bankshares, Inc. Statutory Trust II FNBB Insurance Agency FNBB Services Corp. Birmingham, AL Little Rock, AR Baton Rouge, LA Ridgeland, MS Birmingham, AL Baton Rouge, LA Baton Rouge, LA Baton Rouge, LA Ridgeland, MS 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 AFS Investment Advisors, Inc. Evolve Securities, Inc. Evolve Investment Advisors, Inc. Evolve Mortgage Services, Inc. 8000 Centerview Parkway, Suite 500 38018 Sec: Scott Stafford West Memphis, AR West Memphis, AR Memphis, TN Memphis, TN Memphis, TN Memphis, TN Ninety-Fifth Report ABBREVIATIONS Chm: Chm Emer: CEO: VChm: Pres: Reg Pres: EVP: SVP: CAO: CCO: CFO: CLO: COO: AdmVP: EO: VP: SLO: Cash: Cont: AVP: 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 Auditor Trust Officer Assistant Trust Officer Treasurer Secretary Attorney 137 138 Arkansas State Bank Department NOTES Ninety-Fifth Report NOTES 139 140 Arkansas State Bank Department NOTES
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