Full text of Annual Report of the Bank Commissioner of the State of Arkansas : Ninety-First Annual Report of the Bank Commissioner : June 30, 2005

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REPORT OF
THE

BANK COMMISSIONER
OF ARKANSAS
2005

MIKE HUCKABEE
Governor
ROBERT H. “BUNNY” ADCOCK, JR.
Bank Commissioner

Ninety-First Report

NINETY-FIRST ANNUAL

REPORT OF

THE

BANK COMMISSIONER

JUNE 30, 2005

Ninety-First Report

STATE OF ARKANSAS
OFFICE OF STATE BANK DEPARTMENT
June 30, 2005
Honorable Mike Huckabee
Governor of Arkansas
Little Rock, Arkansas
Governor Huckabee:
I am pleased to submit to you the Ninety-First 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, 2005.
The financial services industry continues to undergo change. Arkansas
state chartered banks and trust companies continue to successfully meet
the challenges of change and offer excellent financial services to the public.
The State Bank Department maintains a Strategic Plan, which the
Department’s employees develop on an annual basis. The mission of the
State Bank Department is to allocate available human and other resources
existing in our Examination, Information Technology and Administrative
Services Divisions to ensure the continuance of safe and sound financial
practices in state chartered financial institutions.
We thank you for the support you and your staff provide and assure you of
our continuing efforts to maintain the highest level of professionalism in the
performance of our responsibilities.
Cordially,

Bunny Adcock
Bank Commissioner

Ninety-First 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/Charter Conversions............................................................................... 9
New Branches Approved ............................................................................................................................ 10
Subchapter S Corporation Banks................................................................................................................ 14
Fiscal Report of The Bank Department....................................................................................................... 15
Federal Supervisory Agencies .................................................................................................................... 16
Trade Associations ...................................................................................................................................... 20
Consolidated Report of Condition Data
State Chartered Banks ............................................................................................................................. 24
Consolidated Statement of
State Chartered Trust Departments ......................................................................................................... 25
Consolidated Report of Condition Data
National Banks .......................................................................................................................................... 26
Tier One Leverage Ratios For All
Arkansas Commercial Banks ................................................................................................................... 27
National Banks ............................................................................................................................................. 32
Report of State Chartered Commercial Banks ........................................................................................... 33
Report of State Chartered Non-Profit Organization.................................................................................... 95
Report of State Chartered Trust Companies .............................................................................................. 97
Report of Regional/County Industrial Development Corporations ............................................................. 99
Report of Capital Development Company ................................................................................................ 103
Commercial Banks Listed by County ........................................................................................................ 105
Map of Arkansas Counties ........................................................................................................................ 111
Arkansas Bank Holding Companies ......................................................................................................... 113
Abbreviations ............................................................................................................................................. 147

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-First Report

3

COMMISSIONERS OF THE
ARKANSAS STATE BANK DEPARTMENT
Date of Appointment

Date Service
Ended

No.

Name

1.

John M. Davis.............................. October 6, 1913

October 3, 1918

2.

A. J. Reap .................................... October 3, 1918

March 22, 1919

3.

W. T. Maxwell ............................... March 22, 1919

September 1, 1921

4.

Charles McKee....................... September 1, 1921

July 28, 1925

5.

Loid Rainwater..................................July 28, 1925

February 8, 1927

6.

Walter E. Taylor..........................February 8, 1927

January 10, 1933

7.

Marion Wasson ......................... January 10, 1933

January 12, 1937

8.

Grover S. Jernigan .................... January 12, 1937

January 14, 1941

9.

Thomas W. Leggett................... January 14, 1941

February 1, 1949

10.

S. J. Dean ...................................February 1, 1949

December 31, 1949

11.

Ed. I. McKinley, Jr. ................ December 31, 1949

March 14, 1953

12.

A. R. Merritt................................... March 14, 1953

February 8, 1955

13.

Dick Simpson..............................February 8, 1955

March 2, 1967

14.

H. C. Adams ................................... March 3, 1967

March 16, 1979

15.

Don R. Clark (Acting) ................... March 16, 1979

April 19, 1979

16.

B. J. Lambert, Jr. ............................. April 19, 1979

April 15, 1983

17.

Marlin D. Jackson............................ April 15, 1983

October 1, 1987

18.

Bill J. Ford.................................... October 1, 1987

July 31, 1998

19.

Frank White ...................................August 1, 1998

May 21, 2003

20.

Bunny Adcock ................................ June 23, 2003

............

Arkansas State Bank Department

4

STATE BANKING BOARD MEMBERS
Mr. Gus Rusher
Chairman
Bank of Brinkley
P.O. Box 727
Brinkley, AR 72021-0727
VOICE: (870) 734-3133
FAX: (870) 734-3001
TERM EXPIRES: 12-31-05

Mr. Charles Mazander
Vice Chairman
P.O. Box 945
Benton, AR 72018-0945
VOICE: (501) 847-3030
FAX: (501) 847-4409
TERM EXPIRES: 12-31-06

Mr. Richard Mays
415 Main Street
Little Rock, AR 72201
VOICE: (501) 372-6303
FAX: (501) 399-9280
TERM EXPIRES: 12-31-08

Ms. Margie Russ
1505 Harper Street
Magnolia, AR 71753
VOICE: (870) 234-6291
TERM EXPIRES: 12-31-08

Mr. David Short
Arvest Bank
P.O. Box 1229
Bentonville, AR 72712
VOICE: (479) 273-3331
FAX: (479) 271-1315
TERM EXPIRES: 12-31-08

Mr. Marcus McCain
Summit Bank
P.O. Box 965
Arkadelphia, AR 71923-0965
VOICE: (870) 246-8070
FAX: (870) 246-7122
TERM EXPIRES: 12-31-09

Ninety-First Report

Arkansas State Bank Department
400 Hardin Road, Suite 100
Little Rock, AR 72211-3502
VOICE: (501) 324-9019 FAX: (501) 324-9028
www.state.ar.us/bank

DEPARTMENTAL ROSTER
Bunny Adcock - Bank Commissioner
Candace A. Franks - Deputy Bank Commissioner/Legal Counsel
Administration
Application Information
Rules and Regulations Manual
Charter Amendments and Charter Information
Certificates of Good Standing
Legal Filings and Inquiries

Luther Guinn − Deputy Bank Commissioner
Examination, Supervision and Regulation
Regulatory Enforcement Actions
State Banking Board

EXAMINATION AND SUPERVISION DIVISION
H. Wilks Marshall, Jr. and Julian E. Rainey − Chief Examiners
Regulatory Examinations/Regulatory and Banking Procedures
Bank Performance Evaluation and Monitoring
Division Personnel/Recruitment and Management
Richard D. Buzbee
Michael Saunders
John Householder
Joseph M. Payne
Mary Pennebaker
Robert H. Carr, III
Thomas M. Narrel

-

Regional Supervisor (Little Rock)
Regional Supervisor (Little Rock)
Regional Supervisor (Jonesboro)
Regional Supervisor (Fayetteville)
Bank Holding Company Supervisor
Information Systems Supervisor
Trust/Compliance Supervisor

Larry M. Hillyard and Baker L. Moseley − Assistant Chief Examiners
Regulatory Examination/Problem Bank Performance
Evaluation and Monitoring

5

Arkansas State Bank Department

6

Jacqueline Williams-Financial Analyst Supervisor
Richard Plotkin − Financial Analyst
Gregg Qualls – Financial Analyst
Susannah Marshall – Financial Analyst
John Ashby – Financial Analyst
Self Examination
Bank Reports of Condition and Income
Bank Holding Company Reports of Condition and Income
Research and Financial Analysis
Public Information Requests
Application Analysis
Consumer Complaints

Janet Griebel – Director of Training
Training/Orientation/Education
Administrative Support

INFORMATION TECHNOLOGY
Robert L. Hughes - Director
Mitch L. Vire - Sr. Systems Programmer
Greg F. Langley - Sr. Systems Programmer
Data Processing Support
Research and Development
Application Programming

ADMINISTRATION DIVISION
Gail Green - Fiscal Manager
Vicki A. Wise - Accounting Service Representative
Angela Thomas – Accounting Service Representative
Accounting and Employee Services
Expense Disbursement
Budget and Personnel
Performance Evaluation
Purchasing

Cynthia L. Nixon - Management Project Analyst Supervisor
Lori A. Morrison
- Administrative Assistant III
Marilyn R. Myers
- Administrative Assistant II
Jane R. English
- Administrative Assistant II
Martha A. Harris
- Administrative Assistant Il
Barbara A. Mahoney - Administrative Assistant II
Kimberly A. Brown - Administrative Assistant II
Administrative Support
Examination Support and Processing
Data Entry

Ninety-First Report

EXAMINATION PERSONNEL
FAYETTEVILLE OFFICE
2013 Green Acres Road
72703-2618
P. O. Box 3447
72702-3447
VOICE: (479) 442-0936
FAX: (479) 442-0717
Fayetteville@banking.state.ar.us

Joseph M. Payne − Regional Supervisor
Luke B. Webre − Commissioned Senior Examiner
Ben Bigger, III – Commissioned Senior Examiner
Ken Leavell – Bank Senior Examiner
Dana S. Kombrink – Bank Senior Examiner
Jared Manatt – Financial Examiner II
Evelyn M. Wade – Financial Examiner I
David Coleman – Financial Examiner Trainee
Neal Elliott – Financial Examiner Trainee
Landi Mkhize – Financial Examiner Trainee
Hunter Norton – Financial Examiner Trainee

JONESBORO OFFICE
924 South Main
72401-3597
P. O. Box 9374
72403-9374
VOICE: (870) 972-1744
FAX: (870) 972-1762
Jonesboro@banking.state.ar.us

John Householder − Regional Supervisor
William R. Milum − Bank Senior Examiner
Gary W. Bush − Commissioned Senior Examiner
R. D. Jackson – Commissioned Senior Examiner
John W. Alderson – Bank Senior Examiner
Shaun Perkins – Bank Senior Examiner
Chris Dillon – Financial Examiner II
W. Kent Darr – Financial Examiner I

7

8

Arkansas State Bank Department

LITTLE ROCK OFFICE
Richard D. Buzbee − Regional Supervisor
Robert M. Henry − Commissioned Senior Examiner
Kevin C. Mosley – Commissioned Senior Examiner
Craig Mobley – Financial Examiner II
David J. Raymond – Financial Examiner I
Mark Rye – Financial Examiner Trainee
Matthew Rose – Financial Examiner Trainee
Mac Tatman – Financial Examiner Trainee
Michael Saunders – Regional Supervisor
Jerry C. Corrothers − Commissioned Senior Examiner
Kelly Victory – Commissioned Senior Examiner
Charles Moneymaker – Bank Senior Examiner
Jacklyn B. Grobmyer – Financial Examiner I
Nathan Elliott – Financial Examiner Trainee
Greg Dunlap – Financial Examiner Trainee
Dharmin Patel – Financial Examiner Trainee

BANK HOLDING COMPANY
Mary C. Pennebaker − BHC Supervisor
Thomas Cook - Bank Senior Examiner

TRUST/COMPLIANCE
Thomas M. Narrell - Trust/Compliance Supervisor
Jamie A. Bazarow – Commissioned Senior Examiner
Stacey Leder – Bank Senior Examiner

INFORMATION SYSTEMS
Robert H. Carr, III - IS Supervisor
Jeffrey Cameron – Commissioned Senior Examiner
Michael Green - Commissioned Senior Examiner
Carey Sharp – Bank Senior Examiner

Ninety-First Report

STATE CHARTERED BANKS' CORPORATE
NAME CHANGES/RELOCATIONS
BANK

NEW NAME/LOCATION

First Bank of South Arkansas
Camden

Signature Bank of Arkansas
Fayetteville

Community Bank of North Arkansas
Fayetteville

Chambers Bank of North Arkansas
Fayetteville

Pine State Bank
Kingsland

Centennial Bank
Kingsland

Bank of Pocahontas
Pocahontas

Pinnacle Bank
Bentonville

Parkway Bank
Portland

Parkway Bank
Rogers

Arkansas State Bank
Siloam Springs

Liberty Bank of Arkansas
Siloam Springs

STATE CHARTERED BANKS MERGED
FROM JULY 1, 2004, TO JUNE 30, 2005
BANK

MERGED INTO

TrustBanc
Mountain Home

Liberty Bank of Arkansas
Jonesboro

Bank of Paragould
Paragould

First Security Bank of Charleston
Charleston, Missouri

CHARTER CONVERSIONS
Bank of Waldron
162 West 4th Street
Waldron, Arkansas
(Converted to a national charter October 1, 2004)

9

Arkansas State Bank Department

10

BRANCHES APPROVED
FROM JULY 1, 2004, TO JUNE 30, 2005
BANK

LOCATION

Elk Horn Bank & Trust
Arkadelphia

3832-A Central Avenue
Hot Springs

Summit Bank
Arkadelphia

3650 Highway 7
Hot Springs Village

Summit Bank
Arkadelphia

11121 North Rodney Parham
Little Rock

Summit Bank
Arkadelphia

1606 Hollensworth
Magnolia

First Western Bank
Booneville

8339 Rogers Avenue
Fort Smith

First Western Bank
Booneville

2601 Champions Drive
Rogers

Community Bank
Cabot

1816 West Main Street
Jacksonville

Chambers Bank
Danville

510 Union Street
Dardanelle

Timberland Bank
El Dorado

119 North Jefferson
El Dorado

Arvest Bank
Fayetteville

1107 South Rogers Street
Clarksville

Arvest Bank
Fayetteville

4409 North Highway 7, Suite 10
Hot Springs Village

Arvest Bank
Fayetteville

2619 Highway 62 East
Mountain Home

Arvest Bank
Fayetteville

2900 West Main Place
Russellville

Arvest Bank
Fayetteville

3201 McClelland Blvd
Joplin, MO

Ninety-First Report

11

BANK

LOCATION

Arvest Bank
Fayetteville

342 Commercial Drive
Pineville, MO

Arvest Bank
Fayetteville

NE Flowermound Rd & Gore Blvd.
Lawton, OK

Arvest Bank
Fayetteville

SW 19th Street & South Santa Fe
Moore, OK

Arvest Bank
Fayetteville

100 West Shawnee Street
Muskogee, OK

Arvest Bank
Fayetteville

4901 South Mills Road
Pryor, OK

Chambers Bank of North Arkansas
Fayetteville

4100 Corporate Center Drive
Springdale

Fordyce Bank & Trust Company
Fordyce

3404 Camden Road
Pine Bluff

First Service Bank
Greenbrier

410 Sylamore Avenue
Mountain View

Farmers Bank
Greenwood

501 West Main Street
Lavaca

Community Bank
Harrison

198 Slack Street
Pea Ridge

American State Bank
Jonesboro

5902 East Johnson Avenue
Jonesboro

American State Bank
Jonesboro

1903 Purcell Road
Paragould

Liberty Bank of Arkansas
Jonesboro

1240 East Main Street
Batesville

Centennial Bank
Kingsland

14309 Cantrell Road, Suite 1
Little Rock

Pine State Bank
Kingsland

8201 Cantrell Road
Little Rock

Bank of Little Rock
Little Rock

15901 Cantrell Road
Little Rock

12

Arkansas State Bank Department

BANK

LOCATION

Bank of the Ozarks
Little Rock

Lancashire Blvd & Forrest Hills Blvd
Bella Vista

Bank of the Ozarks
Little Rock

1216 Highway 35
Benton

Bank of the Ozarks
Little Rock

Highway 102 & SW “D” Street
Bentonville

Bank of the Ozarks
Little Rock

SW Corner of Walton & Dodson
Bentonville

Bank of the Ozarks
Little Rock

Highway 265 North
Fayetteville

Bank of the Ozarks
Little Rock

4044 Central Avenue
Hot Springs

Bank of the Ozarks
Little Rock

901 West Main
Jacksonville

Bank of the Ozarks
Little Rock

2575 Highway 62 East
Mountain Home

Bank of the Ozarks
Little Rock

NW Corner of 47th St. & Olive St.
Rogers

Bank of the Ozarks
Little Rock

NE Corner of Hwy 412 & Jones Rd
Springdale

Bank of the Ozarks
Little Rock

5949 Sherry Lane, Suite 1075
Dallas, TX

Bank of the Ozarks
Little Rock

Lebanon Road, Exxon Addition
Frisco, TX

Bank of the Ozarks
Little Rock

5604 Summerhill Road, Suite 3
Texarkana, TX

Pulaski Bank And Trust
Little Rock

7465 Poplar Avenue
Germantown, TN

Commercial Bank and Trust Company
Monticello

200 North Park Village
Monticello

Union Bank and Trust Company
Monticello

5512 South Olive Street
Pine Bluff

Ninety-First Report

BANK

LOCATION

First Security Bank of Mountain Home
Mountain Home

520 Highway 5 North
Mountain Home

Allied Bank
Mulberry

115 Highway 71 North
Alma

Twin City Bank
North Little Rock

9453 Maumelle Blvd
North Little Rock

Home Bank of Arkansas
Portland

8800 Stagecoach Road
Little Rock

Simmons First Bank of Northwest Arkansas
Rogers

3200 South Walton Blvd
Bentonville

First State Bank
Russellville

3005 West Main
Russellville

First State Bank
Russellville

2002 North Arkansas
Russellville

First Security Bank
Searcy

2255 West Main Street
Cabot

First Security Bank
Searcy

11 North College Avenue
Fayetteville

First Security Bank
Searcy

11300 Cantrell Road
Little Rock

First Security Bank
Searcy

4934 & 4936 West Markham
Little Rock

First Security Bank
Searcy

Lot 1, The Village at Maumelle
Maumelle

First Security Bank
Searcy

2500 West Sunset
Springdale

Arkansas State Bank
Siloam Springs

4706 South Thompson Street
Springdale

Liberty Bank of Arkansas
Siloam Springs

SW 28th Street & Walton Blvd
Bentonville

Liberty Bank of Arkansas
Siloam Springs

2485 Highway 412 East
Siloam Springs

13

Arkansas State Bank Department

14

STATE CHARTERED SUBCHAPTER
S CORPORATION BANKS
BANK

CITY

Bank of Bearden

Bearden

Bank of Brinkley

Brinkley

Chambers Bank

Danville

Decatur State Bank

Decatur

First State Bank of DeQueen

DeQueen

First Financial Bank

El Dorado

Arkansas Diamond Bank

Glenwood

Bank of Gravett

Gravette

First 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

The Union Bank of Mena

Mena

Bank of Mountain View

Mountain View

Allied Bank

Mulberry

Diamond State Bank

Murfreesboro

Chart Bank

Perryville

The Bank of Rison

Rison

Riverside Bank

Sparkman

Bank of Star City

Star City

Ninety-First Report

15

The following is a statement reflecting deposits and disbursements of the
State Bank Department from July 1, 2004 through June 30, 2005.

RECEIPTS
Cash Balance June 30, 2004...................................................... $2,313,599.42
Examination and Assessment Fees ........................6,476,320.33
Charter and Amendment Fees ..................................... 56,800.00
Application and all Protest Fees .................................200,500.00
Miscellaneous Fees ........................................................ 3,070.38
Reimbursement for M & R Sales .................................. 33,529.21
Refund to Expenditures − Prior Year .............................. 4,520.81
Refund to Expenditures − Current Year ................................ 0.00
Total Receipts
6,774,740.73
$9,088,340.15

DISBURSEMENTS
Salaries.....................................................................3,778,552.90
Extra Help Salaries ................................................................ 0.00
Maintenance and General Operations........................959,453.98
S.S., Retirement and Insurance
Matching ...................................................................935,595.11
Professional Services and Fees ................................... 39,237.78
Conference Fees and Travel ......................................177,297.17
Capital Outlay..............................................................235,172.26
Refunds Issued .................................................................. 900.00
Service Charge by State Treasurer ............................100,864.64
Total Disbursements
6,227,073.84
Cash Balance June 30, 2005
2,861,266.31
$9,088,340.15

16

Arkansas State Bank Department

FEDERAL DEPOSIT INSURANCE CORPORATION
Dallas Regional Office
1910 Pacific Avenue, Suite 1900
Dallas, Texas 75201-4586
VOICE: (972) 761-2032
FAX: (972) 761-2082
http://www.fdic.gov
Stan Ivie............................................ Regional Director – Supervision/Consumer
Sylvia H. Plunkett ..................................... Deputy Regional Director – Consumer
Anthony J. Lowe......................................................... Assistant Regional Director
Memphis Area Office
5100 Poplar Avenue, Suite 1900
Memphis, Tennessee 38137
VOICE: (901) 685-1603
FAX: (901) 821−5308
FAX: (901) 821−5309
Susan M. Madson ..................................................... Area Director − Supervision
Susan L. Chomicz ..................................................................... Regional Counsel
Little Rock Field Office
Financial Centre III Building
900 South Shackleford Road, Suite 500
Little Rock, Arkansas 72211
VOICE: (501) 228-6346
FAX: (501) 228-6568
Deborah S. Calvert.......................................................................Field Supervisor
Memphis Field Office
5100 Poplar Avenue, Suite 1900
Memphis, Tennessee 38137
VOICE: (901) 685-1603
FAX: (901) 818-1645
Dana A. English............................................................................Field Supervisor
Shreveport Field Office
Southpoint Center
3007 Knight Street, Suite 300
Shreveport, Louisiana 71105-2525
VOICE: (318) 868-6661
FAX: (318) 868-7870
Steven D. Reed ............................................................................Field Supervisor

Ninety-First 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
William Poole................................................................................................ President
W. LeGrande Rives......................................................................First Vice President
Karl W. Ashman ....................................................................... Senior Vice President
Mary H. Karr ............................................................................. Senior Vice President
General Counsel & Corporate Secretary
Robert H. Rasche..................................................................... Senior Vice President
& Director of Research
David A. Sapenaro ................................................................... Senior Vice President
Treasury Relations & Systems Support
Julie L. Stackhouse .................................................................. Senior Vice President
Banking Supervision, Credit and Center for Online Learning
Richard G. Anderson ...........................................................................Vice President
Research
John P. Baumgartner ...........................................................................Vice President
Treasury Relations & Wholesale & Cash Operations
Timothy A. Bosch ................................................................................. Vice President
Banking Supervision
Marilyn K. Corona ................................................................................ Vice President
Corporate Accounting & Customer Relations
Cletus C. Coughlin ............................................................................... Vice President
& Associate Director of Research
William T. Gavin ................................................................................... Vice President
& Research Coordinator
Jean M. Lovati ...................................................................................... Vice President
TRASS Management & Support
Michael J. Mueller ................................................................................ Vice President
Support Services
Kim D. Nelson ......................................................................................Vice President
Applications, Risk Management, Statistics, Credit & Payment

17

18

Arkansas State Bank Department

FEDERAL RESERVE BANK OF ST. LOUIS
DISTRICT NO. 8
(Continued)
Randall C. Sumner............................................................................... Vice President
Community Affairs/Public Affairs
Daniel L. Thornton................................................................................Vice President
Research
Michael D. Renfro ..............................................................................General Auditor
Audit
Little Rock Branch
325 West Capitol Avenue
P. O. Box 1261
Little Rock, Arkansas 72203-1261
VOICE: (501) 324-8300
FAX: (501) 324-8212
Robert A. Hopkins .................................................................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
Allen Brown ........................................................................... Assistant Vice President
Matthew Torbett .................................................................... Assistant Vice President
Louisville Branch
410 South 5th Street
Louisville, Kentucky 40232-2710
P. O. Box 32710
VOICE: (502) 568-9200
FAX: (502) 568-9211
Maria G. Hampton.................................................................Senior Branch Executive

Ninety-First 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
Jeri Gilland................................................................................. Deputy Comptroller
Randall Ryskamp .............................................................................District Counsel
Karen Bryant .............................................................................. Licensing Manager
Little Rock Field Office
Ozark National Life Building
10201 West Markham, Suite 105
Little Rock, Arkansas 72205−2180
VOICE: (501) 225-7228
FAX: (501) 225-2711
F. Christian Dunn ...................................................... Assistant Deputy Comptroller
Memphis Field Office (Satellite Office of Arkansas Field Office)
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
301 NW 63rd Street, Suite 490
Oklahoma City, Oklahoma 73116-7909
VOICE: (405) 848−8058
FAX: (405) 848-8085
Kyle M. Jones............................................................ Assistant Deputy Comptroller
Eastern Oklahoma Field Office
Executive Center Building
7134 South Yale, Suite 910
Tulsa, Oklahoma 74136-6360
VOICE: (918) 492-2082
FAX: (918) 492-2092
Leigh R. Hoge ........................................................... Assistant Deputy Comptroller

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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
J. Thomas May.......................................................................................... Chairman
Chairman & CEO
Simmons First National Bank, Pine Bluff
Larry T. Wilson ...............................................................................Chairman - Elect
Chairman, President & CEO
First Arkansas Bank & Trust, Jacksonville
John Womack.................................................................................... Vice Chairman
President & CEO of Arvest Bank – Fort Smith Office
Arvest Bank, Fayetteville
Philip Hensley............................................................................................ Treasurer
President & CEO
The Union Bank of Mena, Mena
Gus Rusher .......................................................................................Past Chairman
President
Bank of Brinkley, Brinkley

Ninety-First Report

YOUNG BANKERS SECTION OFFICERS
Craig Attwood.............................................................................................President
Senior Vice President
Simmons First National Bank, Pine Bluff
Kyle Lin Davidson .................................................................. Senior Vice President
Loan Officer
First National Bank of Eastern Arkansas, Forrest City
Matthew Gill........................................................................................Vice President
Assistant Vice President
The Bank of Fayetteville, N.A., Fayetteville
Adam Mitchell........................................................................... Secretary/Treasurer
Vice President of Simmons First National Bank – Little Rock Office
Simmons First National Bank, Pine Bluff
Chris Welch ........................................................................................Past President
Senior Vice President
Signature Bank of Arkansas, Fayetteville

21

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Arkansas State Bank Department

ARKANSAS COMMUNITY BANKERS ASSOCIATION
P. O. Box 20210
Hot Springs, Arkansas 71903-0210
VOICE: (800) 771-1634
FAX: (501) 525-0637
E−Mail: info@acbonline.org

http://www.acbonline.org
Richard G. Trammell ......................................................................Executive Director
Larry E. Bauer .............................................................................................. President
Chief Executive Officer and President
Planters & Merchants Bank, Gillett
James G. Williamson, Jr. ..................................................................... Vice President
Chairman
Citizens Bank & Trust Company, Van Buren
Milton Smith.................................................................................................. Secretary
Chairman
First National Bank of Lawrence County, Walnut Ridge
Greg B. Brown..............................................................................................Treasurer
Chairman and Chief Executive Officer
The Union Bank of Benton, Benton

Ninety-First 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
Sharon Bias ............................................................................. Chief Financial Officer
Cecelia Smith ................................................Executive Assistant/Office Coordinator
Mary White .............................................................. Vice President/Communications
Roger Stromberg.....................................................Senior Vice President/Education
Georgia High ..................................Director, Accreditation & Certification/Education
Michael Stevens................................................................. Vice President/Education
Timothy Bergan ...................................................Senior Vice President/International
John “Buz” Gorman........................................................General Counsel/Legislative
John Ryan ...........................................................................Executive Vice President
Ed Smith ........................................... Vice President, Membership & Bank Relations

23

Arkansas State Bank Department

24

CONSOLIDATED REPORT OF CONDITION DATA
117 STATE CHARTERED COMMERCIAL BANKS
(in millions)
ASSETS

JUNE 30, 2005

Cash and balances due from depository institutions:
a. Noninterest-bearing balances and currency and coin....................................... $894
b. Interest-bearing balances .................................................................................... 100
Securities:
a. Held to maturity .................................................................................................... 958
b. Available-for sale............................................................................................... 5,550
Federal funds sold and
securities purchased under agreements to resell ..................................................... 415
Net Loans and Leases....................................................................................................19,945
Trading assets ......................................................................................................................... 0
Premises and fixed assets................................................................................................... 842
Other real estate owned ........................................................................................................ 39
Goodwill and other intangibles ............................................................................................ 579
All other assets .................................................................................................................... 733
Total assets...................................................................................................................$30,055
LIABILITIES
Deposits:
a. In domestic offices ........................................................................................$24,441
(1) Noninterest-bearing ....................................................................3,648
(2) Interest-bearing.........................................................................20,793
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 ...................................................... 459
Trading liabilities ...................................................................................................................... 0
Other borrowed money.....................................................................................................1,926
Subordinated notes and debentures ....................................................................................... 6
All other liabilities ................................................................................................................. 197
Total liabilities..................................................................................................................27,029
Minority interest in consolidated subsidiaries .......................................................................... 0
EQUITY CAPITAL
Perpetual preferred stock ........................................................................................................ 2
Common stock....................................................................................................................... 38
Surplus .............................................................................................................................. 1,642
Undivided profits ............................................................................................................... 1,344
Total equity capital ............................................................................................................ 3,026
Total liabilities, minority interest and equity capital ..................................................... $30,055

Ninety-First Report

25

CONSOLIDATED STATEMENT OF CONDITION OF THE
58 STATE CHARTERED TRUST DEPARTMENTS
(in millions)
JUNE 30, 2005
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 .................................................................... $7
b. Other Institutions .................................................................................................. 2
Interest Bearing Deposits:
a. Own Bank and Affiliate Institutions ..................................................................156
b. Other Institutions ..............................................................................................102
U.S. Government and Agency Obligations ................................................................438
State, County and Municipal Obligations ...................................................................102
Other Short-Term Obligations ...................................................................................... 12
Other Notes and Bonds ................................................................................................ 50
Money Market Funds ..................................................................................................177
Other Mutual Funds ....................................................................................................167
Stocks..........................................................................................................................318
Collective Investment Fund Units ................................................................................. 88
Real Estate Mortgages ................................................................................................. 20
Real Estate..................................................................................................................111
Miscellaneous Assets ................................................................................................... 47
Other .............................................................................................................................. 7
Total .....................................................................................................................$1,804

LIABILITIES
Personal Accounts:
16. Personal Trusts........................................................................................................ $422
17. Estates & Guardianships ..............................................................................................46
Employee Benefit Accounts:
18. Trusts ..........................................................................................................................182
19. Agencies .....................................................................................................................125
All Other Agencies:
20. Investment Mgmt & Advisory......................................................................................223
21. Custodial .....................................................................................................................356
22. All Other ........................................................................................................................ 40
Corporate and Municipal Securities Appointments:
23. Bond Trusteeships ......................................................................................................376
24. Agencies ....................................................................................................................... 32
Collective Investment Funds:
25. Employee Benefits .......................................................................................................... 2
26. Other .............................................................................................................................. 0
27. Profit Accounts................................................................................................................ 0
28. Suspense Accounts ........................................................................................................ 0
29. Total .....................................................................................................................$1,804

Arkansas State Bank Department

26

CONSOLIDATED REPORT OF CONDITION DATA
39 NATIONAL BANKS
(in millions)
ASSETS

JUNE 30, 2005

Cash and balances due from depository institutions:
a. Noninterest-bearing balances and currency and coin....................................... $353
b. Interest-bearing balances ...................................................................................... 69
Securities:
a. Held-to-maturity.................................................................................................... 337
b. Available-for-sale .............................................................................................. 2,280
Federal funds sold and
securities purchased under agreements to resell ..................................................... 183
Net loans and leases ........................................................................................................ 6,432
Trading assets ......................................................................................................................... 5
Premises and fixed assets................................................................................................... 240
Other real estate owned ........................................................................................................ 24
Goodwill and other intangibles .............................................................................................. 93
All other assets .................................................................................................................... 266
Total assets...................................................................................................................$10,282
LIABILITIES
Deposits:
a. In domestic offices ..........................................................................................$8,075
(1) Noninterest-bearing ....................................................................1,333
(2) Interest-bearing...........................................................................6,742
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 ...................................................... 325
Trading liabilities ...................................................................................................................... 0
Other borrowed money........................................................................................................723
Subordinated notes and debentures ....................................................................................... 0
All other liabilities ................................................................................................................... 56
Total liabilities.................................................................................................................... 9,179
Minority interest in consolidated subsidiaries .......................................................................... 0
EQUITY CAPITAL
Perpetual preferred stock ........................................................................................................ 1
Common stock....................................................................................................................... 20
Surplus ................................................................................................................................. 406
Undivided profits .................................................................................................................. 676
Total equity capital ............................................................................................................ 1,103
Total liabilities, minority interest and equity capital ..................................................... $10,282

Ninety-First Report

27

TIER ONE LEVERAGE RATIOS
FOR ALL ARKANSAS COMMERCIAL BANKS
JUNE 30, 2005
BANK

CITY

RATIO

First National Bank of Altheimer
Elk Horn Bank and Trust Company

Altheimer
Arkadelphia

Summit Bank

Arkadelphia

9.55

First National Banking Company

Ash Flat

7.76

The First National Bank
The Bank of Augusta

Ashdown
Augusta

9.52
12.21

Citizens State Bank

Bald Knob

11.24

The Citizens Bank

Batesville

6.71

First Community Bank

Batesville

7.34

Bank of Bearden

Bearden

18.36

The Union Bank of Benton
ANB Financial National Association

Benton
Bentonville

7.10
8.34

Pinnacle Bank

Bentonville

20.38

The First National Bank of Berryville

Berryville

13.48

19.39
7.29

Bank of Blevins

Blevins

13.04

Farmers Bank And Trust Company

Blytheville

10.40

The First National Bank in Blytheville
First Western Bank

Blytheville
Booneville

8.35
7.75

Community State Bank

Bradley

12.19

Bank of Brinkley

Brinkley

11.18

Community Bank

Cabot

The First National Bank of Izard County

Calico Rock

24.46

Bank of Cave City
The Merchants and Planters Bank

Cave City
Clarendon

8.20
13.45

First Security Bank of Clarksville

Clarksville

8.23

8.49

First Security Bank of Conway

Conway

7.46

First State Bank

Conway

10.81

First National Bank of Crossett

Crossett

10.44

First State Bank
Chambers Bank

Crossett
Danville

10.01
12.62

Bank of Dardanelle

Dardanelle

11.20

Decatur State Bank

Decatur

11.54

Bank of Delight

Delight

18.40

28

Arkansas State Bank Department

BANK

CITY

RATIO

The First National Bank of DeQueen
First State Bank of DeQueen

DeQueen
DeQueen

DeWitt Bank And Trust Company

DeWitt

19.16

The First National Bank of DeWitt

DeWitt

9.58

Merchants & Farmers Bank
First Financial Bank

Dumas
El Dorado

8.70
9.71

11.71
8.78

Simmons First Bank of El Dorado, N.A.

El Dorado

7.51

Timberland Bank

El Dorado

9.15

Bank of England

England

6.05

The Eudora Bank

Eudora

Bank of Eureka Springs
Arvest Bank

Eureka Springs
Fayetteville

11.28
7.03

Bank of Arkansas, N.A.

Fayetteville

10.58

The Bank of Fayetteville, N.A.

Fayetteville

6.83

Chambers Bank of North Arkansas

Fayetteville

10.99

Signature Bank of Arkansas

Fayetteville

282.89

Fordyce Bank & Trust Company
First National Bank of Eastern Arkansas

Fordyce
Forrest City

8.89
12.84

Forrest City Bank, N.A.

Forrest City

9.92

The First National Bank of Fort Smith

Fort Smith

14.12

Planters & Merchants Bank

Gillett

12.91

Arkansas Diamond Bank

Glenwood

10.15

Bank of Gravett
The First National Bank in Green Forest

Gravette
Green Forest

First Service Bank

Greenbrier

8.39

Farmers Bank

Greenwood

20.63

Farmers Bank

Hamburg

9.22

Calhoun County Bank

Hampton

10.31

The Bank of Harrisburg
Community First Bank

Harrisburg
Harrison

10.01
7.35

9.10

9.65
9.85

First Team Bank

Heber Springs

8.99

Greers Ferry Lake State Bank

Heber Springs

8.54

Heber Springs State Bank

Heber Springs

Helena National Bank

Helena

13.10

The First National Bank of Hope
Horatio State Bank

Hope
Horatio

17.89
10.78

First National Bank

Hot Springs

Simmons First Bank of Hot Springs

Hot Springs

First State Bank of Northwest Arkansas

Huntsville

9.61

9.44
8.03
12.28

Ninety-First Report

29

BANK

CITY

RATIO

First Arkansas Bank & Trust
American State Bank

Jacksonville
Jonesboro

Heritage Bank

Jonesboro

9.40

Liberty Bank of Arkansas

Jonesboro

8.43

Simmons First Bank of Jonesboro
Centennial Bank

Jonesboro
Kingsland

7.39
10.79

The Bank of Lake Village

Lake Village

10.14

Simmons First Bank of South Arkansas

Lake Village

Little River Bank

Lepanto

The First National Bank of Lewisville

Lewisville

9.72

Arkansas Bankers’ Bank
Bank of Little Rock

Little Rock
Little Rock

11.23
9.65

Bank of the Ozarks

Little Rock

7.78

The Capital Bank

Little Rock

7.45

16.35
7.59

9.64
11.31

Eagle Bank & Trust Company

Little Rock

7.69

Metropolitan National Bank

Little Rock

7.59

One Bank & Trust, National Association
Pulaski Bank And Trust Company

Little Rock
Little Rock

8.34
7.90

First State Bank

Lonoke

9.27

Farmers Bank and Trust Company

Magnolia

7.73

The Peoples Bank

Magnolia

10.09

The Malvern National Bank

Malvern

10.19

Southern State Bank
First National Bank at Marianna

Malvern
Marianna

8.17
12.63

First Community Bank of Eastern Arkansas

Marion

11.34

First Delta Bank

Marked Tree

11.24

Bank of McCrory

McCrory

12.26

The First National Bank of McGehee

McGehee

13.53

McGehee Bank
The Union Bank of Mena

McGehee
Mena

13.49
10.24

Commercial Bank & Trust Company

Monticello

9.52

Union Bank And Trust Company

Monticello

8.74

Petit Jean State Bank

Morrilton

10.66

First National Bank and Trust Company

Mountain Home

11.23

First Security Bank of Mountain Home
Bank of Mountain View

Mountain Home
Mountain View

7.89
14.66

Allied Bank

Mulberry

7.56

Diamond State Bank

Murfreesboro

8.20

Merchants & Planters Bank

Newport

8.75

30

Arkansas State Bank Department

BANK

CITY

RATIO

National Bank of Arkansas in North Little Rock
Twin City Bank

North Little Rock
North Little Rock

First National Bank

Paragould

12.34

Southern Bank of Commerce

Paragould

12.53

The First National Bank at Paris
Delta Trust & Bank

Paris
Parkdale

First State Bank

Parkin

11.58

Chart Bank

Perryville

11.49

Piggott State Bank

Piggott

Pine Bluff National Bank

Pine Bluff

10.86

Simmons First National Bank
Home Bank of Arkansas

Pine Bluff
Portland

7.33
9.26

7.94
8.46

9.15
8.18

9.38

Bank of Prescott

Prescott

12.88

The Bank of Rison

Rison

15.13

Bank of Rogers

Rogers

9.32

Parkway Bank

Rogers

10.57

Simmons First Bank of Northwest Arkansas
First Arkansas Valley Bank

Rogers
Russellville

7.41
7.99

First State Bank

Russellville

7.09

Simmons First Bank of Russellville

Russellville

11.17

Bank of Salem

Salem

Logan County Bank

Scranton

16.56

First Security Bank
Simmons First Bank of Searcy

Searcy
Searcy

7.23
10.00

Peoples Bank

Sheridan

11.76

Liberty Bank of Arkansas

Siloam Springs

Smackover State Bank

Smackover

9.78

8.15
10.96

Riverside Bank

Sparkman

7.48

Legacy National Bank
Bodcaw Bank

Springdale
Stamps

44.26
11.54

Bank of Star City

Star City

11.38

The Stephens Security Bank

Stephens

8.07

The Farmers and Merchants Bank

Stuttgart

12.44

First National Bank of Stuttgart

Stuttgart

11.91

Bank of Trumann
Citizens Bank & Trust Company

Trumann
Van Buren

15.90
10.99

First Community Bank of Crawford County

Van Buren

9.61

First National Bank

Waldron

The First National Bank of Lawrence County

Walnut Ridge

8.25
10.61

Ninety-First Report

31

BANK

CITY

RATIO

First State Bank of Warren
Warren Bank and Trust Company

Warren
Warren

11.57
13.67

First Bank of the Delta, N.A.

West Helena

10.08

Fidelity National Bank

West Memphis

Cross County Bank
The First National Bank of Wynne

Wynne
Wynne

8.66
11.60
16.46

32

Arkansas State Bank Department

NATIONAL BANKS
JUNE 30, 2005
(000’s omitted)
BANK

CITY

First National Bank of Altheimer
First National Banking Company
The First National Bank
ANB Financial National Association
The First National Bank of Berryville
The First National Bank in Blytheville
The First National Bank of Izard County
First National Bank of Crossett
The First National Bank of DeQueen
The First National Bank of DeWitt
Simmons First Bank of El Dorado, N.A.
Bank of Arkansas, N.A.
The Bank of Fayetteville, N.A.
First National Bank of Eastern Arkansas
Forrest City Bank, N.A.
The First National Bank of Fort Smith
The First National Bank in Green Forest
Helena National Bank
The First National Bank of Hope
First National Bank
The First National Bank of Lewisville
Metropolitan National Bank
One Bank & Trust, National Association
The Malvern National Bank
First National Bank at Marianna
The First National Bank of McGehee
First National Bank and Trust Company
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
First National Bank of Stuttgart
First National Bank
The First National Bank of Lawrence County
First Bank of the Delta, N.A.
Fidelity National Bank
The First National Bank of Wynne

Altheimer
Ash Flat
Ashdown
Bentonville
Berryville
Blytheville
Calico Rock
Crossett
DeQueen
DeWitt
El Dorado
Fayetteville
Fayetteville
Forrest City
Forrest City
Fort Smith
Green Forest
Helena
Hope
Hot Springs
Lewisville
Little Rock
Little Rock
Malvern
Marianna
McGehee
Mountain Home
North Little Rock
Paragould
Paris
Pine Bluff
Pine Bluff
Springdale
Stuttgart
Waldron
Walnut Ridge
West Helena
West Memphis
Wynne

ASSETS
13,237
301,131
70,207
788,527
127,135
198,932
121,261
133,302
194,708
107,303
215,242
145,812
377,687
233,984
62,756
710,352
311,609
135,671
133,371
403,281
36,825
1,188,582
312,583
388,795
51,439
45,968
349,296
159,113
479,827
99,140
268,844
1,213,954
57,710
46,298
90,468
132,866
187,317
207,836
179,199

REPORT OF THE

ONE HUNDRED SEVENTEEN

STATE CHARTERED

COMMERCIAL BANKS

JUNE 30, 2005

Arkansas State Bank Department

34

Elk Horn Bank and Trust Company
Arkadelphia, AR
VOICE: (870) 246-5811
FAX: (870) 246-5284
Population: 10,912

601 Main Street
Charter Number: 142
P. O. Box 248
Date: September 28, 1903
71923-0248
County: Clark
Home Page: www.ehbt.com
Trust Powers: Yes
Bank Holding Company
Southern Bancorp Inc., Arkadelphia, AR
Chm: James W. Harrington
EVP: Alan Sing
CEO/Pres: William G. Wright
VP/TO: Beth S. Marshall
Cash and Due from:....................................... 6,182
Federal Funds and Repos: ................................... 0
Investments: ................................................ 66,107
Net Loans: ................................................... 87,070
Premises and Fixed Assets: .......................... 3,987
Other Real Estate: ............................................ 380
Other Assets: ................................................. 9,590
Total Assets: .............................................. 173,316
Total Trust Assets:.............................................. 70

Deposits:.................................................... 151,438
Federal Funds and Borrowings: .................... 5,368
Other Liabilities:................................................ 720
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 157,526
Total Equity Capital: .................................... 15,790
Total Liabilities and Capital:....................... 173,316
Number of Shares Outstanding: .................. 24,000

Directors: Phillip N. Baldwin; Ronald Echols; James W. Harrington; Geneva Hunter;
Michael Kolb; Mary Jo Mann; Veda R. Morgan; Dr. Andrew Westmoreland; William G. Wright
Branches in Town: Two
Other Branches: Bismarck, Caddo Valley,
Malvern

Summit Bank
Arkadelphia, AR
VOICE: (870) 246-8070
FAX: (870) 246-7122
Population: 10,912

409 Main Street
Charter Number: 767
P. O. Box 965
Date: December 2, 1996
71923-0965
County: Clark
Home Page: www.summitbankdirect.com
Trust Powers: No
Bank Holding Company
Summit Bancorp, Inc., Arkadelphia, AR
Chm/CEO: Ross M. Whipple
EVP/CFO: Christopher M. Wewers
Pres/COO: Marcus J. McCain
EVP/CAO: John A. Bryant
Cash and Due from:..................................... 20,990
Federal Funds and Repos: ............................ 3,240
Investments: .............................................. 107,616
Net Loans: ................................................. 483,484
Premises and Fixed Assets: ........................ 12,032
Other Real Estate: ............................................ 350
Other Assets: ............................................... 25,470
Total Assets: .............................................. 653,182
Total Trust Assets:................................................ 0

Deposits:.................................................... 500,228
Federal Funds and Borrowings: .................. 86,948
Other Liabilities:............................................. 3,586
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 590,762
Total Equity Capital: .................................... 62,420
Total Liabilities and Capital:....................... 653,182
Number of Shares Outstanding: .................... 3,100

Directors: Rodney Bobo; Elton E. Buck; Steve DeMott; Mike Duke; Ben Elrod; Joe Keith;
Mike Lax; James McAdams; Marcus J. McCain; Ned Purtle; Ross M. Whipple; Joe
Woodward
Branches in Town: One
Other Branches: Benton (2), Hope (2), Hot
Springs (5), Little Rock, Magnolia (2),
Malvern (2)

Ninety-First Report

35

The Bank of Augusta
Augusta, AR
VOICE: (870) 347-2511
FAX: (870) 347-2654
Population: 2,665

Chm: John R. Eldridge
CEO/Pres: Moody Whitehead

100 South Second Street
Charter Number: 669
P. O. Box 120
Date: February 20, 1935
72006-0120
County: Woodruff
Trust Powers: Yes
Bank Holding Company
None
VP: Ronnie Jones
VP/TO: Martha Ray

Cash and Due from:....................................... 1,174
Federal Funds and Repos: ................................... 0
Investments:................................................. 24,934
Net Loans:.................................................... 20,845
Premises and Fixed Assets: ............................. 306
Other Real Estate: ................................................ 0
Other Assets: ................................................. 1,832
Total Assets: ................................................ 49,091
Total Trust Assets: ......................................... 3,783

Deposits: ...................................................... 42,480
Federal Funds and Borrowings:........................ 150
Other Liabilities: ................................................ 669
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 43,299
Total Equity Capital:....................................... 5,792
Total Liabilities and Capital:......................... 49,091
Number of Shares Outstanding: .................... 8,000

Directors: Dr. Steven Collier; W. P. Daniel, Jr.; W. P. Daniel; Charlie Eldridge; John R.
Eldridge; R. E. Gregory, Jr.; Ronald Jones; Moody Whitehead
Branches in Town: One
Other Branches: None

Citizens State Bank
Bald Knob, AR
VOICE: (501) 724-3241
FAX: (501) 724-5985
Population: 3,210

306 South Elm Street
Charter Number: 636
P. O. Box 200
Date: January 22, 1931
72010-0200
County: White
Home Page: www.csb-bk.com
Trust Powers: Yes
Bank Holding Company
Citizens State Bankshares of Bald Knob, Inc., Bald Knob, AR
Chm: Juanita Litzelfelner
EVP: Wendell Nier
CEO/Pres/TO: Larry Kircher
SVP/Cash: Peggy Reed
Cash and Due from:....................................... 2,052
Federal Funds and Repos: ................................. 25
Investments:................................................. 27,842
Net Loans:.................................................... 28,920
Premises and Fixed Assets: .......................... 1,003
Other Real Estate: ............................................ 381
Other Assets: ................................................. 3,198
Total Assets: ................................................ 63,421
Total Trust Assets: ......................................... 2,588

Deposits: ...................................................... 55,891
Federal Funds and Borrowings:............................ 0
Other Liabilities: ................................................ 490
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 56,381
Total Equity Capital:....................................... 7,040
Total Liabilities and Capital:......................... 63,421
Number of Shares Outstanding: .................... 4,000

Directors: Bob J. Clark; Larry Kircher; Molly Kircher; Juanita Litzelfelner; Wendell Nier;
James W. Staggs; James Wayne Staggs
Branches in Town: Two
Other Branches: Bradford

36

Arkansas State Bank Department

The Citizens Bank
Batesville, AR
VOICE: (870) 793-4441
FAX: (870) 698-6299
Population: 9,445

Third and College Streets
Charter Number: 705
P. O. Box 2156
Date: February 19, 1953
72503-2156
County: Independence
Home Page: www.thecitizensbank.net
Trust Powers: Yes
Member of Federal Reserve System
Bank Holding Company
Citizens Bancshares of Batesville, Inc., Batesville, AR
CEO/Pres: Kip Norton
EVP/Sec: Greg Shaver
EVP: David Ford
SVP/TO: Robin Brock
Cash and Due from:..................................... 13,933
Federal Funds and Repos: ............................ 1,510
Investments: .............................................. 102,087
Net Loans: ................................................. 285,227
Premises and Fixed Assets: .......................... 7,301
Other Real Estate: ............................................ 875
Other Assets: ............................................... 10,434
Total Assets: .............................................. 421,367
Total Trust Assets:....................................... 69,632

Deposits:.................................................... 303,101
Federal Funds and Borrowings: .................. 88,972
Other Liabilities:................................................ 907
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 392,980
Total Equity Capital: .................................... 28,387
Total Liabilities and Capital:....................... 421,367
Number of Shares Outstanding: .................. 16,500

Directors: Dr. Lackey G. Moody, M.D.; Kevin F. Norton; Doyle W. Rogers; Noel K. Sims;
Kay Southerland
Branches in Town: Six
Other Branches:
Cave City, Imboden,
Pleasant Plains

First Community Bank
Batesville, AR
VOICE: (870) 612-3400
FAX: (870) 612-3412
Population: 9,445

1325 Harrison Street
Charter Number: 770
P. O. Box 4327
Date: June 20, 1997
72501-4327
County: Independence
Home Page: www.firstcommunity.net
Trust Powers: Yes
Bank Holding Company
First Community Bancshares, Inc., Batesville, AR
Chm/CEO: Dale E. Cole
SVP: Troy Henley
Pres/COO: Boris A. Dover
VP/TO: Betty Campbell
Cash and Due from:....................................... 5,312
Federal Funds and Repos: ............................ 2,025
Investments: ................................................ 64,603
Net Loans: ................................................. 254,458
Premises and Fixed Assets: ........................ 10,563
Other Real Estate: ............................................ 360
Other Assets: ................................................. 4,685
Total Assets: .............................................. 342,006
Total Trust Assets:....................................... 22,872

Deposits:.................................................... 281,256
Federal Funds and Borrowings: .................. 34,855
Other Liabilities:................................................ 833
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 316,944
Total Equity Capital: .................................... 25,062
Total Liabilities and Capital:....................... 342,006
Number of Shares Outstanding: .................. 34,523

Directors: Don Buckliew; Dale E. Cole; Boris A. Dover; Billy Roy Floyd; Preston W. "Chip"
Grace, III; Rick Kent; Ray LaCroix; Dianne Lamberth; Dr. Charles McClain; M. N. Osborne;
Bill Roussel; Frank Tripp
Branches in Town: Two
Other Branches: Cave City, Searcy (2)

Ninety-First Report

37

Bank of Bearden
Bearden, AR
VOICE: (870) 687-2233
FAX: (870) 687-2474
Population: 1,125

Chm/Pres: Rick Green
EVP: Ken Riley

Second and Cedar Streets
Charter Number: 688
P. O. Box 135
Date: June 17, 1945
71720-0135
County: Ouachita
Trust Powers: No
Bank Holding Company
Bearden Bancshares, Inc., Bearden, AR
VP/Cash: Susan Lusby

Cash and Due from:....................................... 2,799
Federal Funds and Repos: ............................ 5,270
Investments:................................................... 5,928
Net Loans:.................................................... 20,430
Premises and Fixed Assets: ............................... 75
Other Real Estate: ................................................ 0
Other Assets: .................................................... 205
Total Assets: ................................................ 34,707
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 28,528
Federal Funds and Borrowings:............................ 0
Other Liabilities: .................................................. 79
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 28,607
Total Equity Capital:....................................... 6,100
Total Liabilities and Capital:......................... 34,707
Number of Shares Outstanding: .................... 8,300

Directors: John E. Anthony; Steven M. Anthony; O. D. Cathey; Rick Green; Kenneth D.
Keeton; Ronald A. Ramsay; Ken Riley; Russell G. Weatherly; Betty Word
Branches in Town: None
Other Branches: None

The Union Bank of Benton
Benton, AR
VOICE: (501) 315-0411
FAX: (501) 303-5433
Population: 21,906

207 West Conway
Charter Number: 706
P. O. Box 687
Date: January 11, 1954
72018-0687
County: Saline
Home Page: www.union-bank.net
Trust Powers: Yes
Bank Holding Company
Union Bancshares of Benton, Inc., Benton, AR
Chm/CEO: Greg B. Brown
TO: James Handley
Pres: Mark Vanderpool
Cash and Due from:....................................... 6,606
Federal Funds and Repos: ............................ 2,600
Investments:............................................... 123,591
Net Loans:.................................................... 75,481
Premises and Fixed Assets: .......................... 3,236
Other Real Estate: ............................................ 150
Other Assets: ................................................. 3,943
Total Assets: .............................................. 215,607
Total Trust Assets: ............................................ 310

Deposits: .................................................... 171,508
Federal Funds and Borrowings:................... 25,905
Other Liabilities: ............................................. 1,353
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 198,766
Total Equity Capital:..................................... 16,841
Total Liabilities and Capital:....................... 215,607
Number of Shares Outstanding: .................. 75,000

Directors: Fred Briner; Greg B. Brown; Bud Finley; Susan Jester; Gary Keeter; I. E.
McCray, Jr.; Mark Middleton; Larry Mitchell; James E. Stilwell; Mark Vanderpool; John
Young
Branches in Town: Three
Other Branches: Bryant (2)

38

Arkansas State Bank Department

Pinnacle Bank
Bentonville, AR
VOICE: (479) 273-3842
FAX: (479) 273-1543
Population: 19,730

CEO/Pres: Joe Mills
EVP: Kevin Beasley

1703 Phyllis Street, Suite 103
71712-7633

Charter Number: 145
Date: October 31, 1903
County: Benton

Home Page: www.pinnaclebk.com
Trust Powers: No
Bank Holding Company
None
VP: Dee Cameron
AVP/Cash: Melissa Cruikshank

Cash and Due from:.......................................... 749
Federal Funds and Repos: ................................... 0
Investments: .................................................. 9,793
Net Loans: ................................................... 66,470
Premises and Fixed Assets: ............................. 210
Other Real Estate: ................................................ 0
Other Assets: .................................................... 983
Total Assets: ................................................ 78,205
Total Trust Assets:................................................ 0

Deposits:...................................................... 60,655
Federal Funds and Borrowings: .................... 2,459
Other Liabilities:................................................ 113
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 63,227
Total Equity Capital: .................................... 14,978
Total Liabilities and Capital:......................... 78,205
Number of Shares Outstanding: ................ 150,000

Directors: Kevin Beasley; Richard F. Barclay; David Estes; Thomas Garrison; Clarence
Guinn; Bruce Loftin; Mac McClanahan; Joe S. Mills; Ronald Montgomery; Chuck Sharp;
Ralph Vernetti
Branches in Town: None
Other Branches: None

Bank of Blevins
Blevins, AR
VOICE: (870) 874-2541
FAX: (870) 874-2631
Population: 365

5461 Highway 371
Charter Number: 385
P. O. Box 158
Date: August 12, 1912
71825-0158
County: Hempstead
Trust Powers: No
Bank Holding Company
First National Bancshares of Hempstead County, Inc., Hope, AR
Chm: Thomas E. Hays, Jr.
Cash: Peggy Butler
Pres: William E. Butler, Jr.
Cash and Due from:.......................................... 364
Federal Funds and Repos: ............................... 635
Investments: .................................................. 6,713
Net Loans: ..................................................... 9,566
Premises and Fixed Assets: ............................. 230
Other Real Estate: ................................................ 0
Other Assets: .................................................... 229
Total Assets: ................................................ 17,737
Total Trust Assets:................................................ 0

Deposits:...................................................... 15,359
Federal Funds and Borrowings: ........................... 0
Other Liabilities:.................................................... 0
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 15,359
Total Equity Capital: ...................................... 2,378
Total Liabilities and Capital:......................... 17,737
Number of Shares Outstanding: .................... 8,050

Directors: Doyle Brewer; William E. Butler, Jr.; John J. Hays; Thomas E. Hays, Jr.; Charles
E. Sharpe, Jr.; Fred Wren
Branches in Town: None
Other Branches: None

Ninety-First Report

39

Farmers Bank And Trust Company
Blytheville, AR
VOICE: (870) 763-8101
FAX: (870) 763-3500
Population: 18,272

400 West Main
Charter Number: 253
P. O. Box 688
Date: March 16, 1908
72316-0688
County: Mississippi
Home Page: www.farmersbankbly.com
Trust Powers: Yes
Member of Federal Reserve System
Bank Holding Company
Farmers Bancorp, Inc., Blytheville, AR
Chm/CEO: Alvin Huffman, III
EVP: Randy Scott
Pres/COO: Steve Bell
VP/TO: Ron Dawson
Cash and Due from:....................................... 8,570
Federal Funds and Repos: ................................... 0
Investments:................................................. 53,307
Net Loans:.................................................. 134,708
Premises and Fixed Assets: .......................... 7,420
Other Real Estate: .............................................. 15
Other Assets: ................................................. 3,608
Total Assets: .............................................. 207,628
Total Trust Assets: ....................................... 25,262

Deposits: .................................................... 174,708
Federal Funds and Borrowings:................... 10,000
Other Liabilities: ................................................ 791
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 185,499
Total Equity Capital:..................................... 22,129
Total Liabilities and Capital:....................... 207,628
Number of Shares Outstanding: .................. 40,000

Directors: Steve Bell; Paula O. Blackwell; Ronny Goff; Alvin Huffman, III; Gaylon M.
Lawrence, Jr.; Randy Scott; David Stone; Harold Sudbury, Jr.
Branches in Town: Four
Other Branches: Franklin[TN]

First Western Bank
Booneville, AR
VOICE: (479) 675-3000
FAX: (479) 675-4477
Population: 4,117

80 West Main
Charter Number: 397
P. O. Box 238
Date: April 18, 1910
72927-0238
County: Logan
Home Page: www.firstwesternbank.net
Trust Powers: Yes
Bank Holding Company
First Western Bancshares, Inc., Booneville, AR
Chm/CEO: John T. Hampton
Reg Pres: Shirley Young
Reg Pres: Nathan E. Gairhan
EVP/CFO: Lynne Coan
Cash and Due from:....................................... 7,585
Federal Funds and Repos: ................................... 0
Investments:................................................. 52,283
Net Loans:.................................................. 179,563
Premises and Fixed Assets: .......................... 8,652
Other Real Estate: ............................................ 353
Other Assets: ............................................... 10,835
Total Assets: .............................................. 259,271
Total Trust Assets: ................................................ 0

Deposits: .................................................... 188,892
Federal Funds and Borrowings:................... 47,749
Other Liabilities: ............................................. 2,298
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 238,939
Total Equity Capital:..................................... 20,332
Total Liabilities and Capital:....................... 259,271
Number of Shares Outstanding: ................ 100,000

Directors: Dr. Paul Becton, M.D.; Dan Brown; Brett Foster; Nathan E. Gairhan; John T.
Hampton; Mark Lundy; Jack McHaney; David Remy; Howard L. Slinkard; Craig Smith;
Johnny Williams; DeAnne Witherspoon, O.D.; Jane Woolley; Shirley Young
Branches in Town: One
Other Branches: Bella Vista, Bentonville,
Caulksville, Fayetteville, Magazine, Rogers
(2)

40

Arkansas State Bank Department

Community State Bank
Bradley, AR
VOICE: (870) 894-3322
FAX: (870) 894-3324
Population: 563

208 West Fourth Street
Charter Number: 653
P. O. Box 120
Date: April 10, 1933
71826-0120
County: Lafayette
Trust Powers: No
Bank Holding Company
Community State Bancshares, Inc., Bradley, AR
Chm/Pres: Jerry G. Hartline
Cash: Regina Wooton
EVP: Lane Pierce
Cash and Due from:....................................... 2,317
Federal Funds and Repos: ............................... 260
Investments: .................................................. 1,501
Net Loans: ..................................................... 9,772
Premises and Fixed Assets: ............................. 176
Other Real Estate: .............................................. 31
Other Assets: .................................................... 173
Total Assets: ................................................ 14,230
Total Trust Assets:................................................ 0

Deposits:...................................................... 12,467
Federal Funds and Borrowings: ......................... 10
Other Liabilities:.................................................. 51
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 12,528
Total Equity Capital: ...................................... 1,702
Total Liabilities and Capital:......................... 14,230
Number of Shares Outstanding: .................. 10,000

Directors: Jerry G. Hartline; Jeffrey C. Hobbs; Lane Pierce; Stephen Wicks
Branches in Town: None
Other Branches: None

Bank of Brinkley
Brinkley, AR
VOICE: (870) 734-3133
FAX: (870) 734-3001
Population: 3,940

130 South New Orleans
Charter Number: 110
P. O. Box 727
Date: January 17, 1903
72021-0727
County: Monroe
Trust Powers: No
Bank Holding Company
Brinkley Bancshares, Inc., Brinkley, AR
Chm/CEO: Albert H. Rusher
EVP: Terry Singleterry
Pres: Gus Rusher
VP/Cash: Bently Manatt
Cash and Due from:....................................... 5,955
Federal Funds and Repos: ................................... 0
Investments: ................................................ 90,493
Net Loans: ................................................... 40,991
Premises and Fixed Assets: .......................... 1,390
Other Real Estate: ................................................ 0
Other Assets: ................................................. 5,121
Total Assets: .............................................. 143,950
Total Trust Assets:................................................ 0

Deposits:.................................................... 112,657
Federal Funds and Borrowings: .................. 12,700
Other Liabilities:................................................ 622
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 125,979
Total Equity Capital: .................................... 17,971
Total Liabilities and Capital:....................... 143,950
Number of Shares Outstanding: .................. 24,000

Directors: Jimmy Carroll, Jr.; Steve Fowler; Doug Hunt; Albert H. Rusher; Gus Rusher;
Fred Schaefer
Branches in Town: One
Other Branches: None

Ninety-First Report

41

Community Bank
Cabot, AR
VOICE: (501) 843-3575
FAX: (501) 941-4285
Population: 15,261

2171 West Main
P. O. Box 1028
72023-1028
Home Page: www.communitybk.net
Trust Powers: Yes
Bank Holding Company
Home BancShares, Inc., Conway, AR
Chm: John W. Allison
CFO: Tyler Vance
CEO/Pres: Tracy M. French
Cash and Due from:..................................... 15,311
Federal Funds and Repos: ................................... 0
Investments:................................................. 76,703
Net Loans:.................................................. 196,166
Premises and Fixed Assets: ........................ 10,356
Other Real Estate: ............................................ 196
Other Assets: ............................................... 31,959
Total Assets: .............................................. 330,691
Total Trust Assets: ................................................ 0

Charter Number: 120
Date: March 23, 1903
County: Lonoke

Deposits: .................................................... 239,217
Federal Funds and Borrowings:................... 41,077
Other Liabilities: ............................................. 3,751
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 284,045
Total Equity Capital:..................................... 46,646
Total Liabilities and Capital:....................... 330,691
Number of Shares Outstanding: .................. 25,000

Directors: John W. Allison; Rick Ashley; Dearl Dixon; Cathy Eoff-Tiratto; Tracy M. French;
Jerry Jones; Mark Lowman; James A. Matthews; Gerald H. Shock; C. Randall Sims; William
G. Thompson; Stephen P. Tipton; Jerry Waymack; Larry Wood; Joan R. Zumwalt
Branches in Town: Four
Other Branches: Beebe, Jacksonville (2),
Ward

Bank of Cave City
Cave City, AR
VOICE: (870) 283-5301
FAX: (870) 283-6466
Population: 1,946

133 South Main Street
Charter Number: 209
P. O. Box 490
Date: July 2, 1906
72521-0490
County: Sharp
Trust Powers: Yes
Bank Holding Company
Sharp Bancshares, Inc., Cave City, AR
Chm/CEO/Pres/TO: Samuel F. Beller
SVP/Cash: Wanda Daniel
SVP: Gayla Hickman
Cash and Due from:....................................... 2,441
Federal Funds and Repos: ............................... 355
Investments:................................................. 26,850
Net Loans:.................................................... 65,210
Premises and Fixed Assets: .......................... 1,227
Other Real Estate: ............................................ 582
Other Assets: ................................................. 5,300
Total Assets: .............................................. 101,965
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 87,241
Federal Funds and Borrowings:..................... 4,576
Other Liabilities: ............................................. 1,028
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 92,845
Total Equity Capital:....................................... 9,120
Total Liabilities and Capital:....................... 101,965
Number of Shares Outstanding: .................... 4,000

Directors: Samuel F. Beller; Dennis Esteb; Margie Pettersen; Bruce Street; Scott Street
Branches in Town: None
Other Branches: Evening Shade, Lynn,
Strawberry

Arkansas State Bank Department

42

The Merchants and Planters Bank
Clarendon, AR
VOICE: (870) 747-3319
FAX: (870) 747-3498
Population: 1,960

297 Madison
P. O. Box 280
72029-0280
Trust Powers: No
Bank Holding Company
Clarendon Holding Co., Clarendon, AR
Chm: J. Baxter Sharp, III
Cash: Estelle Catlett
Pres: J. Kendall Henry
Cash and Due from:.......................................... 991
Federal Funds and Repos: ................................... 0
Investments: ................................................ 14,416
Net Loans: ................................................... 10,726
Premises and Fixed Assets: ............................. 399
Other Real Estate: ................................................ 0
Other Assets: .................................................... 451
Total Assets: ................................................ 26,983
Total Trust Assets:................................................ 0

Charter Number: 21
Date: July 23, 1890
County: Monroe

Deposits:...................................................... 22,690
Federal Funds and Borrowings: ....................... 385
Other Liabilities:................................................ 116
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 23,191
Total Equity Capital: ...................................... 3,792
Total Liabilities and Capital:......................... 26,983
Number of Shares Outstanding: .................... 5,660

Directors: Estelle Catlett; Donald A. Davis; Rheta Griffith; J. Kendall Henry; B. J. Hopson;
E. Davidson Lee; J. Baxter Sharp, III
Branches in Town: None
Other Branches: None

First Security Bank of Clarksville
Clarksville, AR
VOICE: (479) 754-2020
FAX: (479) 754-3492
Population: 7,719

Chm/CEO: Cole Martin
Pres/TO: Lee White

214 West Main Street
Charter Number: 737
P. O. Box 288
Date: July 6, 1978
72830-0288
County: Johnson
Home Page: www.fsbclarksville.com
Trust Powers: Yes
Bank Holding Company
First Security Bancorp, Searcy, AR
SVP: Nina Mason
SVP: Tommy Sexton

Cash and Due from:....................................... 3,894
Federal Funds and Repos: ................................... 0
Investments: ................................................ 73,744
Net Loans: ................................................... 42,590
Premises and Fixed Assets: .......................... 4,648
Other Real Estate: ............................................ 207
Other Assets: ................................................. 2,547
Total Assets: .............................................. 127,630
Total Trust Assets:......................................... 4,788

Deposits:.................................................... 111,185
Federal Funds and Borrowings: .................... 4,228
Other Liabilities:................................................ 477
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 115,890
Total Equity Capital: .................................... 11,740
Total Liabilities and Capital:....................... 127,630
Number of Shares Outstanding: .................... 5,495

Directors: Herman Houston; Cole Martin; Steve Morgan; Dayne Phillips; Bill Porter; Reynie
Rutledge; Lee White
Branches in Town: Two
Other Branches: Coal Hill

Ninety-First Report

43

First Security Bank of Conway
Conway, AR
VOICE: (501) 450-9800
FAX: (501) 450-1899
Population: 43,167

1001 Front Street
Charter Number: 779
P. O. Box 938
Date: April 15, 1999
72033
County: Faulkner
Home Page: www.firstsecurityconway.com
Trust Powers: No
Member of Federal Reserve System
Bank Holding Company
First Security Bancorp, Searcy, AR
Chm: Jack Bell
EVP: Johnny Adams
CEO/Pres: J. Mark Ferguson
EVP: Mike Baldwin
Cash and Due from:..................................... 12,828
Federal Funds and Repos: ............................ 3,025
Investments:................................................. 41,431
Net Loans:.................................................. 235,223
Premises and Fixed Assets: ........................ 11,715
Other Real Estate: ............................................ 133
Other Assets: .................................................... 243
Total Assets: .............................................. 304,598
Total Trust Assets: ................................................ 0

Deposits: .................................................... 269,079
Federal Funds and Borrowings:................... 11,256
Other Liabilities: .................................................. 97
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 280,432
Total Equity Capital:..................................... 24,166
Total Liabilities and Capital:....................... 304,598
Number of Shares Outstanding: .................. 54,000

Directors: Richard Arnold; Jack Bell; George E. Covington; Hal Crafton; J. Mark Ferguson;
John Hawks, Jr.; Linda Linn; Robert Rook; Reynie Rutledge; Joe White
Branches in Town: Six
Other Branches: Clinton, Greenbrier,
Vilonia

First State Bank
Conway, AR
VOICE: (501) 328-4663
FAX: (501) 328-4601
Population: 43,167

620 Chestnut Street
Charter Number: 118
P. O. Box 966
Date: May 12, 1903
72032
County: Faulkner
Home Page: www.fsbhome.com
Trust Powers: Yes
Bank Holding Company
Home BancShares, Inc., Conway, AR
Chm: John W. Allison
EVP: Kevin Hester
CEO/Pres: C. Randall Sims
EVP: Randy E. Mayor
Cash and Due from:..................................... 12,095
Federal Funds and Repos: ............................ 4,650
Investments:............................................... 103,431
Net Loans:.................................................. 321,838
Premises and Fixed Assets: ........................ 12,477
Other Real Estate: ............................................ 112
Other Assets: ............................................... 13,828
Total Assets: .............................................. 468,431
Total Trust Assets: ................................................ 0

Deposits: .................................................... 367,926
Federal Funds and Borrowings:................... 48,055
Other Liabilities: ............................................. 2,928
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 418,909
Total Equity Capital:..................................... 49,522
Total Liabilities and Capital:....................... 468,431
Number of Shares Outstanding: .................... 2,400

Directors: Milburn Adams; John W. Allison; William C. Brazil; Dale Bruns; Jack Engelkes;
William J. Farris, Jr.; Kevin Hester; Randy E. Mayor; Jim Rankin; William R. Reynolds; C.
Randall Sims; Ron Strother
Branches in Town: Six
Other Branches: Greenbrier, Holly Grove,
Mayflower, Vilonia

44

Arkansas State Bank Department

First State Bank
Crossett, AR
VOICE: (870) 364-5131
FAX: (870) 364-6329
Population: 6,097

200 Pine Street
Charter Number: 718
P. O. Box 638
Date: May 13, 1963
71635-0638
County: Ashley
Trust Powers: No
Bank Holding Company
Evergreen Bancshares, Inc., Crossett, AR
Chm: Richard E. Griffin
EVP: Howard M. Beaty, Jr.
CEO/Pres: Nicholas J. Horner
SVP: Cheryl Goodwin
Cash and Due from:....................................... 1,665
Federal Funds and Repos: ................................... 0
Investments: .................................................. 4,481
Net Loans: ................................................... 18,040
Premises and Fixed Assets: .......................... 1,819
Other Real Estate: ............................................ 377
Other Assets: ................................................. 1,025
Total Assets: ................................................ 27,407
Total Trust Assets:................................................ 0

Deposits:...................................................... 24,431
Federal Funds and Borrowings: ......................... 20
Other Liabilities:.................................................. 93
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 24,544
Total Equity Capital: ...................................... 2,863
Total Liabilities and Capital:......................... 27,407
Number of Shares Outstanding: ................ 100,000

Directors: Howard M. Beaty, Jr.; Richard E. Griffin; Nicholas J. Horner; Harry D. Stephens,
Jr.; Henry M. Thomas; Barney White
Branches in Town: Two
Other Branches: None

Chambers Bank
Danville, AR
VOICE: (479) 495-2236
FAX: (479) 495-4650
Population: 2,392

901 Main
Charter Number: 615
P. O. Box 609
Date: October 3, 1930
72833-0609
County: Yell
Home Page: www.chambers-bank.com
Trust Powers: No
Bank Holding Company
Chambers Bancshares, Inc., Danville, AR
Chm: John Ed Chambers, III
Pres: Bill Donnell
CEO: Edward J. Taylor
EVP: Philip Alexander
Cash and Due from:..................................... 11,563
Federal Funds and Repos: .......................... 13,715
Investments: ................................................ 24,042
Net Loans: ................................................. 370,168
Premises and Fixed Assets: .......................... 7,599
Other Real Estate: ............................................ 881
Other Assets: ............................................... 19,431
Total Assets: .............................................. 447,399
Total Trust Assets:................................................ 0

Deposits:.................................................... 337,990
Federal Funds and Borrowings: .................. 50,647
Other Liabilities:............................................. 2,391
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 391,028
Total Equity Capital: .................................... 56,371
Total Liabilities and Capital:....................... 447,399
Number of Shares Outstanding: .................. 10,000

Directors: Thomas Akin; John Ed Chambers, III; Bill Donnell; Fay Mathis; James C.
Pledger; Robert R. Redfern; Edward J. Taylor; Robert Y. Taylor
Branches in Town: One
Other Branches: Amity, Dardanelle, Fort
Smith (2), Havana, Hot Springs, Hot Springs
Village, Kirby, Mansfield, Mena, Waldron

Ninety-First Report

45

Bank of Dardanelle
Dardanelle, AR
VOICE: (479) 229-3311
FAX: (479) 229-4180
Population: 4,228

102 North Front Street
Charter Number: 668
P. O. Box 577
Date: September 12, 1934
72834-0577
County: Yell
Trust Powers: Yes
Bank Holding Company
Bank of Dardanelle Bankshares, Inc., Dardanelle, AR
Chm/Pres: Ronald L. Taylor
Cash: Janelle Parker
Cash and Due from:....................................... 9,597
Federal Funds and Repos: ................................... 0
Investments:................................................. 26,229
Net Loans:.................................................... 84,276
Premises and Fixed Assets: .......................... 5,551
Other Real Estate: ............................................ 416
Other Assets: ................................................. 3,226
Total Assets: .............................................. 129,295
Total Trust Assets: ................................................ 0

Deposits: .................................................... 113,688
Federal Funds and Borrowings:............................ 0
Other Liabilities: ................................................ 480
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 114,168
Total Equity Capital:..................................... 15,127
Total Liabilities and Capital:....................... 129,295
Number of Shares Outstanding: .................... 8,000

Directors: Thomas C. Berryhill; Bunny Bullock; Tom Ed Bullock; William R. Bullock, Sr.;
Fanny George; Dee Longenbaugh; Ronald L. Taylor
Branches in Town: One
Other Branches: Atkins, Danville, Dover,
Russellville (2)

Decatur State Bank
Decatur, AR
VOICE: (479) 752-3281
FAX: (479) 752-8154
Population: 1,314

Hwy. 59 North
Charter Number: 707
P. O. Box 38
Date: May 27, 1954
72722-0038
County: Benton
Home Page: www.decaturstatebank.net
Trust Powers: No
Bank Holding Company
Peterson Holding Company, Decatur, AR
Chm: Richard E. Wilmoth
Cash: Wanda Tormey
CEO/Pres: Vernon L. Austin
Cash and Due from:....................................... 4,962
Federal Funds and Repos: ................................... 0
Investments:................................................. 44,345
Net Loans:.................................................. 111,503
Premises and Fixed Assets: .......................... 2,457
Other Real Estate: ............................................ 244
Other Assets: ................................................. 3,267
Total Assets: .............................................. 166,778
Total Trust Assets: ................................................ 0

Deposits: .................................................... 114,006
Federal Funds and Borrowings:................... 32,500
Other Liabilities: ................................................ 419
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 146,925
Total Equity Capital:..................................... 19,853
Total Liabilities and Capital:....................... 166,778
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; Lloyd E. Peterson; Richard E. Wilmoth
Branches in Town: None
Other Branches: Gentry, Siloam Springs

Arkansas State Bank Department

46

Bank of Delight
Delight, AR
VOICE: (870) 379-2293
FAX: (870) 379-2575
Population: 311

Chm: Clarence Anthony
CEO/Pres: Darwin Hendrix

503 East Antioch
P. O. Box 68
71940-0068
Trust Powers: No
Bank Holding Company
None
EVP: Kent Hendrix
SVP: Rusty Silvey

Cash and Due from:....................................... 4,556
Federal Funds and Repos: ............................ 2,020
Investments: ................................................ 21,377
Net Loans: ................................................... 52,406
Premises and Fixed Assets: ............................. 242
Other Real Estate: ................................................ 0
Other Assets: .................................................... 981
Total Assets: ................................................ 81,582
Total Trust Assets:................................................ 0

Charter Number: 342
Date: June 16, 1911
County: Pike

Deposits:...................................................... 66,105
Federal Funds and Borrowings: ......................... 44
Other Liabilities:................................................ 367
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 66,516
Total Equity Capital: .................................... 15,066
Total Liabilities and Capital:......................... 81,582
Number of Shares Outstanding: .................. 18,750

Directors: Clarence Anthony; Gary Chambliss; Buford Hendrix; Darwin Hendrix; Kent
Hendrix; Cecil E. Johnson, III; James E. May; Jerry Milam; Rusty Silvey
Branches in Town: None
Other Branches: Prescott

First State Bank of DeQueen
DeQueen, AR
VOICE: (870) 642-4423
FAX: (870) 642-2847
Population: 5,765

402 West Collin Raye Drive
Charter Number: 731
P. O. Box 970
Date: August 26, 1974
71832-0970
County: Sevier
Trust Powers: No
Member of Federal Reserve System
Bank Holding Company
First State Bancshares, Inc., DeQueen, AR
Chm: Dennis Smiley
EVP: Noel Bard
CEO/Pres: Gary L. Golden
Cash and Due from:....................................... 1,944
Federal Funds and Repos: ............................ 1,435
Investments: ................................................ 11,436
Net Loans: ................................................... 31,061
Premises and Fixed Assets: .......................... 2,930
Other Real Estate: .............................................. 26
Other Assets: ................................................. 1,409
Total Assets: ................................................ 50,241
Total Trust Assets:................................................ 0

Deposits:...................................................... 41,505
Federal Funds and Borrowings: .................... 3,748
Other Liabilities:................................................ 286
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 45,539
Total Equity Capital: ...................................... 4,702
Total Liabilities and Capital:......................... 50,241
Number of Shares Outstanding: .................. 76,000

Directors: Julie Brown; Mike Buffington; Gary L. Golden; Lou Ellen Gray; Ronald Moore;
Edward Revels; Dennis Smiley; Don Stemple; Doug Suttle
Branches in Town: One
Other Branches: Lockesburg

Ninety-First Report

47

DeWitt Bank And Trust Company
DeWitt, AR
VOICE: (870) 946-3531
FAX: (870) 946-2815
Population: 3,552

Second and Jefferson Streets
Charter Number: 605
P. O. Drawer 71
Date: March 1, 1929
72042-0071
County: Arkansas
Trust Powers: Yes
Bank Holding Company
DBT Financial Corporation, DeWitt, AR
Chm: Nancy F. Rasco
EVP: Gary Oltmann
CEO/Pres: David Jessup
TO: Jason Grantham
Cash and Due from:....................................... 3,813
Federal Funds and Repos: ................................... 0
Investments:................................................. 27,017
Net Loans:.................................................... 66,980
Premises and Fixed Assets: ............................. 971
Other Real Estate: ............................................ 349
Other Assets: ................................................. 4,002
Total Assets: .............................................. 103,132
Total Trust Assets: ....................................... 36,905

Deposits: ...................................................... 79,249
Federal Funds and Borrowings:..................... 3,349
Other Liabilities: ................................................ 386
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 82,984
Total Equity Capital:..................................... 20,148
Total Liabilities and Capital:....................... 103,132
Number of Shares Outstanding: .................. 54,000

Directors: Donald Ray Dickson; James L. Fly, Jr.; Alton R. Hampton; David L. Jessup;
Charles E. Lumsden; Gary Oltmann; Nancy F. Rasco; Jack Whitmore
Branches in Town: None
Other Branches: None

Merchants & Farmers Bank
Dumas, AR
VOICE: (870) 382-4311
FAX: (870) 382-5901
Population: 5,238

130 West Waterman Street
Charter Number: 278
P. O. Box 187
Date: May 10, 1909
71639-0187
County: Desha
Home Page: www.mfbanknet.com
Trust Powers: Yes
Bank Holding Company
M & F Financial Corporation, Dumas, AR
CEO/Pres: J. Michael Jones
COO: L. Ashton Adcock
EVP: Betty B. Trites
TO: Glenda B. Owen
Cash and Due from:....................................... 3,158
Federal Funds and Repos: ............................ 1,535
Investments:................................................. 18,707
Net Loans:.................................................... 46,033
Premises and Fixed Assets: .......................... 2,483
Other Real Estate: ............................................ 191
Other Assets: ................................................. 3,722
Total Assets: ................................................ 75,829
Total Trust Assets: ....................................... 22,417

Deposits: ...................................................... 64,758
Federal Funds and Borrowings:..................... 2,017
Other Liabilities: ................................................ 160
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 66,935
Total Equity Capital:....................................... 8,894
Total Liabilities and Capital:......................... 75,829
Number of Shares Outstanding: .................. 40,000

Directors: L. Ashton Adcock; Jimmie L. Appleberry; Benny M. Estes; Claud T. Frank; Bruce
Gasaway; Marion S. Gill; J. Michael Jones; Don Livingston; William W. Shea; David Walt
Branches in Town: One
Other Branches: None

48

Arkansas State Bank Department

First Financial Bank
El Dorado, AR
VOICE: (870) 863-7000
FAX: (870) 881-5393
Population: 21,530

214 North Washington Street
Charter Number: 778
P. O. Box 1754
Date: April 15, 1999
71730-1754
County: Union
Home Page: www.ffb1.com
Trust Powers: No
Member of Federal Reserve System
Bank Holding Company
First Financial Banc Corporation, El Dorado, AR
Chm: Edwin B. Alderson, Jr.
Pres: Rodney Landes
CEO: J. Stephen Cameron
COO: Jerry Bullard
Cash and Due from:....................................... 8,594
Federal Funds and Repos: ................................... 0
Investments: ................................................ 13,267
Net Loans: ................................................. 407,380
Premises and Fixed Assets: .......................... 3,846
Other Real Estate: ............................................ 834
Other Assets: ............................................... 20,338
Total Assets: .............................................. 454,259
Total Trust Assets:................................................ 0

Deposits:.................................................... 336,375
Federal Funds and Borrowings: .................. 76,690
Other Liabilities:............................................. 1,962
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 415,027
Total Equity Capital: .................................... 39,232
Total Liabilities and Capital:....................... 454,259
Number of Shares Outstanding: ................ 654,398

Directors: Edwin B. Alderson, Jr.; Jerry Bullard; J. Stephen Cameron; Chris Hegi; Robert
Merkle; John D. Milam; James M. Moore, Jr.; Dr. Robert M. Murfee; Margaret M. Niel;
Jeffrey W. Nolan; William C. Nolan, Jr.; Gary W. Sewell; Dr. Stephen C. Smart; Louis Knox
White
Branches in Town: Four
Other Branches: Smackover

Timberland Bank
El Dorado, AR
VOICE: (870) 862-5900
FAX: (870) 862-5432
Population: 21,530

2421 North West Avenue
Charter Number: 785
P. O. Box 7205
Date: August 22, 2000
71730
County: Union
Home Page: www.TimberlandBank.Net
Trust Powers: No
Bank Holding Company
Timberland Bancshares, Inc., El Dorado, AR
Pres: Tandy Menefee
SVP: Carolyn Beavers
EVP: Mark Turner
Cash and Due from:....................................... 3,681
Federal Funds and Repos: ................................... 0
Investments: ................................................ 19,096
Net Loans: ................................................. 106,444
Premises and Fixed Assets: .......................... 1,656
Other Real Estate: ................................................ 0
Other Assets: ................................................. 2,406
Total Assets: .............................................. 133,283
Total Trust Assets:................................................ 0

Deposits:.................................................... 113,525
Federal Funds and Borrowings: .................... 7,104
Other Liabilities:................................................ 767
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 121,396
Total Equity Capital: .................................... 11,887
Total Liabilities and Capital:....................... 133,283
Number of Shares Outstanding: ................ 187,890

Directors: Rolan Brevard; Walter Felton; John Hays; John Lowery, Jr.; Bob McBrayer;
Tandy Menefee; Alan R. Morgan; L. Andrew Sheppard
Branches in Town: Two
Other Branches: None

Ninety-First Report

49

Bank of England
England, AR
VOICE: (501) 842-2555
FAX: (501) 842-2422
Population: 2,972

123 South Main Street
Charter Number: 48
P. O. Box 70
Date: August 8, 1898
72046-0070
County: Lonoke
Trust Powers: No
Bank Holding Company
MHBC Investments Limited Partnership, I, England, AR
Chm/CEO/Pres: Gary Canada, Sr.
VP: Bobby Montgomery
EVP: Hanna B. Canada
Cash: Sheila Rice
Cash and Due from:....................................... 3,886
Federal Funds and Repos: ............................ 4,730
Investments:................................................. 17,801
Net Loans:.................................................. 146,556
Premises and Fixed Assets: .......................... 2,831
Other Real Estate: ................................................ 0
Other Assets: ................................................. 6,451
Total Assets: .............................................. 182,255
Total Trust Assets: ................................................ 0

Deposits: .................................................... 142,674
Federal Funds and Borrowings:................... 26,354
Other Liabilities: ............................................. 1,988
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 171,016
Total Equity Capital:..................................... 11,239
Total Liabilities and Capital:....................... 182,255
Number of Shares Outstanding: .................. 10,000

Directors: James Neal Anderson; Brad Canada; Gary Canada, Jr.; Gary Canada, Sr.;
Hanna B. Canada; Samuel C. Cobb; Leon Hill; Nicole Canada Stewart
Branches in Town: One
Other Branches: Carlisle, Lonoke, North
Little Rock

The Eudora Bank
Eudora, AR
VOICE: (870) 355-8311
FAX: (870) 355-8509
Population: 2,819

111 North Main Street
Charter Number: 629
P. O. Box 250
Date: December 23, 1930
71640-0250
County: Chicot
Trust Powers: No
Bank Holding Company
Delta Bancshares of Louisiana, Inc., Eudora, AR
Chm: Charles F. Poole
EVP: Julie Petty
CEO/Pres: Gene Keith
Cash and Due from:.......................................... 750
Federal Funds and Repos: ................................... 0
Investments:................................................. 15,065
Net Loans:.................................................... 15,411
Premises and Fixed Assets: ............................. 103
Other Real Estate: ................................................ 0
Other Assets: .................................................... 530
Total Assets: ................................................ 31,859
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 26,836
Federal Funds and Borrowings:..................... 2,105
Other Liabilities: .................................................. 88
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 29,029
Total Equity Capital:....................................... 2,830
Total Liabilities and Capital:......................... 31,859
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

50

Arkansas State Bank Department

Bank of Eureka Springs
Eureka Springs, AR
VOICE: (479) 253-2265
FAX: (479) 253-1165
Population: 2,278

70 South Main
Charter Number: 374
P. O. Box 309
Date: May 4, 1912
72632-0309
County: Carroll
Home Page: www.bankeureka.com
Trust Powers: No
Bank Holding Company
Eureka Bancshares, Inc., Eureka Springs, AR
Chm/CEO: John F. Cross
Cash: Reba Pyatt
Pres: Charles T. Cross
Cash and Due from:....................................... 2,317
Federal Funds and Repos: ............................ 7,135
Investments: ................................................ 21,713
Net Loans: ................................................... 64,548
Premises and Fixed Assets: .......................... 5,897
Other Real Estate: .............................................. 43
Other Assets: ................................................. 4,274
Total Assets: .............................................. 105,927
Total Trust Assets:................................................ 0

Deposits:...................................................... 78,797
Federal Funds and Borrowings: .................. 15,329
Other Liabilities:................................................ 374
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 94,500
Total Equity Capital: .................................... 11,427
Total Liabilities and Capital:....................... 105,927
Number of Shares Outstanding: .................... 4,000

Directors: James D. Bird; Genes L. Bland; Andrew J. Clark; Charles T. Cross; Claude C.
Cross; John F. Cross; Ruth F. Cross; Lewis E. Epley, Jr.; William E. Goff; Rex A. Gustin;
Daniel J. Mamaugh; Michael Mathews; Archie B. Ryan, Jr.; Randy Wolfinbarger
Branches in Town: One
Other Branches: Holiday Island (2)

Ninety-First Report

51

Arvest Bank
Fayetteville, AR
VOICE: (479) 575-1000
FAX: (479) 575-1061
Population: 58,047

75 North East Street
Charter Number: 31
P. O. Box 1327
Date: December 24, 1892
72702-1327
County: Washington
Home Page: www.arvest.com
Trust Powers: Yes
Member of Federal Reserve System
Bank Holding Company
Arvest Holdings, Inc., Bentonville, AR
Chm/CEO: Jim C. Walton
EVP: J. Robert Kelly
Pres/COO: K. Kevin Sabin
EVP: Phillip O. Porter
Cash and Due from:................................... 266,774
Federal Funds and Repos: ........................ 191,000
Investments:............................................... 798,660
Net Loans:............................................... 5,537,377
Premises and Fixed Assets: ...................... 246,895
Other Real Estate: ......................................... 3,707
Other Assets: ............................................. 498,347
Total Assets: ........................................... 7,542,760
Total Trust Assets: ................................................ 0

Deposits: ................................................. 6,322,567
Federal Funds and Borrowings:................. 422,756
Other Liabilities: ........................................... 75,448
Subordinated Debt:............................................... 0
Total Liabilities: ....................................... 6,820,771
Total Equity Capital:................................... 721,989
Total Liabilities and Capital:.................... 7,542,760
Number of Shares Outstanding: ................ 350,692

Directors: Claudia Bratcher; Cliff Gibbs; Scott Grigsby; J. Robert Kelly; Bradley Krieger;
Mel Parks; Phillip O. Porter; K. Kevin Sabin; Jim C. Walton
Branches in Town: Nine
Other Branches: Ada[OK], Anderson[MO],
Bartlesville[OK] (5), Bella Vista (3), Benton
(2), Bentonville (6), Berryville (2), Bixby[OK],
Broken Arrow[OK] (3), Bryant (1), Bull
Shoals, Cabot, Carthage[MO] (2), Centerton,
Chickasha[OK], Choctaw[OK], Clarksville,
Conway (3), Del City[OK], Dewey[OK] (2),
Duncan[OK] (3), Edmond[OK] (3), Elkins,
Eufaula[OK], Eureka Springs, Farmington,
Flippin, Fort Smith (9), Gentry, Gravette,
Greenwood, Harrison (2), Hindsville, Holiday
Island, Hot Springs (3), Hot Springs Village;
Huntsville
(2),
Jacksonville,
Jay[OK],
Joplin[MO] (5), Kansas [OK], Lawton[OK] (3),
Lead Hill, Lincoln, Little Rock (10), Lonoke,
Lowell, Maumelle, McAlester[OK], Mena,
Miami[OK], Midwest City[OK], Moore[OK],
Morrilton,
Mountain
Home
(2),
Muskogee[OK]
(2),
Neosho[MO]
(2),
Noel[MO], Norman[OK] (6), North Little Rock
(3), Nowata[OK] (2), Oklahoma City[OK] (7),
Okmulgee[OK], Owasso[OK] (2), Paris, Pea
Ridge, Pineville[MO], Poteau[OK], Prairie
Grove (2), Pryor[OK] (2), Rogers (6),
Russellville
(2),
Sallisaw[OK],
Sand
Springs[OK], Sapulpa[OK], Shawnee[OK]
(3), Shell Knob[MO], Sherwood (2), Siloam
Springs (3), Springdale (6), Stilwell[OK],
Tulsa[OK] (16), Van Buren (3), Vinita[OK],
Wagoner[OK], Walters[OK], Webb City[MO],
West
Fork,
Westville[OK],
Yellville,
Yukon[OK]

Arkansas State Bank Department

52

Chambers Bank of North Arkansas
Fayetteville, AR
VOICE: (479) 973-2265
FAX: (479) 973-2201
Population: 58,047

1685 East Joyce Blvd.
72703

Charter Number: 377
Date: June 1, 1912
County: Washington

Home Page: www.communitybnk.com
Trust Powers: No
Bank Holding Company
Community Investment, Inc., Fayetteville, AR
Chm/CEO/Pres: Robert Y. Taylor
SVP: Bob Harrison
Cash and Due from:....................................... 6,978
Federal Funds and Repos: ............................ 5,825
Investments: .................................................. 8,522
Net Loans: ................................................. 205,247
Premises and Fixed Assets: .......................... 5,344
Other Real Estate: ............................................ 164
Other Assets: ................................................. 9,042
Total Assets: .............................................. 241,122
Total Trust Assets:................................................ 0

Deposits:.................................................... 190,629
Federal Funds and Borrowings: .................. 20,000
Other Liabilities:................................................ 720
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 211,349
Total Equity Capital: .................................... 29,773
Total Liabilities and Capital:....................... 241,122
Number of Shares Outstanding: .................. 10,000

Directors: Shirley Blackston; Joyce R. Bunch; John Ed Chambers, III; Kathy Counce;
Robert Y. Taylor
Branches in Town: None
Other Branches:
Elkins (2), Goshen,
Rogers, Springdale (2)

Signature Bank of Arkansas
Fayetteville, AR
VOICE: (479) 684-3700
FAX: (479) 684-3797
Population: 58,047

3878 N. Crossover Road, Suite 20
Charter Number: 660
P. O. Box 8550
Date: August 28, 1933
72703
County: Washington
Home Page: www.sbofa.com
Trust Powers: No
Bank Holding Company
White River Bancshares Company, Fayetteville, AR
CEO: Gary R. Head
CCO: Dan Hendricks
CFO: Mike Hill
COO: Marilyn Hendricks
Cash and Due from:.......................................... 574
Federal Funds and Repos: .......................... 28,550
Investments: .................................................. 5,961
Net Loans: ................................................... 46,380
Premises and Fixed Assets: ............................. 842
Other Real Estate: ................................................ 0
Other Assets: .................................................... 781
Total Assets: ................................................ 83,088
Total Trust Assets:................................................ 0

Deposits:...................................................... 41,198
Federal Funds and Borrowings: ........................... 0
Other Liabilities:................................................ 164
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 41,362
Total Equity Capital: .................................... 41,726
Total Liabilities and Capital:......................... 83,088
Number of Shares Outstanding: .................. 30,000

Directors: Larry G. Bittle; John Cooper, III; Matthew Duffy; J. Kirkwood Dupps; Gary R.
Head; Greg Lee; Jerry P. Maland; Reece Parham; Neal R. Pendergraft; Beverly Schaffer;
Larry Shackelford; Todd Simmons; Ron Strother
Branches in Town: None
Other Branches: None

Ninety-First Report

53

Fordyce Bank & Trust Company
Fordyce, AR
VOICE: (870) 352-3107
FAX: (870) 352-5202
Population: 4,799

200 West Fourth Street
71742-2202

Charter Number: 631
Date: January 5, 1931
County: Dallas

Home Page: www.fordycebank.com
Trust Powers: Yes
Bank Holding Company
FBT Bancshares, Inc., Fordyce, AR
Chm/CEO/Pres/TO: James V. Hulse, Jr.
EVP: Don Lyle
EVP: Suzette Crutchfield
SVP/Cash: Wanda Smurl
Cash and Due from:....................................... 3,311
Federal Funds and Repos: ............................ 4,540
Investments:................................................. 18,071
Net Loans:.................................................... 62,958
Premises and Fixed Assets: .......................... 2,880
Other Real Estate: ................................................ 0
Other Assets: ................................................. 2,992
Total Assets: ................................................ 94,752
Total Trust Assets: ......................................... 1,166

Deposits: ...................................................... 78,363
Federal Funds and Borrowings:..................... 7,738
Other Liabilities: ................................................ 489
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 86,590
Total Equity Capital:....................................... 8,162
Total Liabilities and Capital:......................... 94,752
Number of Shares Outstanding: .................... 8,000

Directors: Joe D. Barnes; Suzette Crutchfield; J. W. Hearnsberger; James V. Hulse, Jr.;
Melvin Jackson; Roy McClain; John N. Summers; Charles B. Trussell; Clyde Williams
Branches in Town: One
Other Branches: Pine Bluff, Rison, White
Hall

Planters & Merchants Bank
Gillett, AR
VOICE: (870) 548-2211
FAX: (870) 548-2220
Population: 819

210 West Main
Charter Number: 721
P. O. Box 357
Date: January 13, 1967
72055-0357
County: Arkansas
Trust Powers: Yes
Bank Holding Company
Planters & Merchants Bancshares, Inc., Gillett, AR
Chm: Frank C. Wolfe
VP: Carl Gunter
CEO/Pres/TO: Larry E. Bauer
Cash: Alice Perritt
Cash and Due from:....................................... 1,195
Federal Funds and Repos: ................................... 0
Investments:................................................. 10,949
Net Loans:.................................................... 12,720
Premises and Fixed Assets: ............................. 407
Other Real Estate: .............................................. 82
Other Assets: ................................................. 2,061
Total Assets: ................................................ 27,414
Total Trust Assets: ......................................... 1,579

Deposits: ...................................................... 19,645
Federal Funds and Borrowings:..................... 4,060
Other Liabilities: ................................................ 288
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 23,993
Total Equity Capital:....................................... 3,421
Total Liabilities and Capital:......................... 27,414
Number of Shares Outstanding: .................. 12,000

Directors: Larry E. Bauer; Johnny Holzhauer; Scott Place; Darrall A. Richter; Larry Smith;
Bobby Turner; Frank C. Wolfe; Monty Young
Branches in Town: None
Other Branches: None

54

Arkansas State Bank Department

Arkansas Diamond Bank
Glenwood, AR
VOICE: (870) 356-2121
Broadway and Pulliam
Charter Number: 398
FAX: (870) 356-2211
P. O. Box 800
Date: December 27, 1912
Population: 1,751
71943-0800
County: Pike
Home Page: www.arkansasdiamondbank.com
Trust Powers: No
Bank Holding Company
Bainum Bancorp, Glenwood, AR
Chm: Timothy E. Bainum
SVP: Lynda Robbins
CEO/Pres: Harold A. Smith
Cash and Due from:....................................... 4,218
Federal Funds and Repos: ............................ 1,325
Investments: ................................................ 40,775
Net Loans: ................................................... 63,826
Premises and Fixed Assets: .......................... 3,438
Other Real Estate: ............................................ 674
Other Assets: ................................................. 2,703
Total Assets: .............................................. 116,959
Total Trust Assets:................................................ 0

Deposits:.................................................... 104,469
Federal Funds and Borrowings: ....................... 809
Other Liabilities:................................................ 218
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 105,496
Total Equity Capital: .................................... 11,463
Total Liabilities and Capital:....................... 116,959
Number of Shares Outstanding: .................. 44,000

Directors: Duke Bainum; Evea J. Bainum; Timothy E. Bainum; Richard L. Cox; Larry
Mitchell; Harold A. Smith; Phillip Smith; L. J. Warneke
Branches in Town: One
Other Branches: Hot Springs, Mena, Mount
Ida

Bank of Gravett
Gravette, AR
VOICE: (479) 787-5251
FAX: (479) 787-6102
Population: 1,810

211 SE Main Street
Charter Number: 46
P. O. Box 149
Date: February 28, 1898
72736-0149
County: Benton
Home Page: www.bankofgravett.net
Trust Powers: No
Bank Holding Company
Gravett Bancshares, Inc., Gravette, AR
CEO/Pres: John R. Meade
VP: Jim A. Edmonson
EVP/COO: David N. Wills
VP: Malcolm Winters
Cash and Due from:....................................... 6,013
Federal Funds and Repos: ............................ 3,525
Investments: ................................................ 70,775
Net Loans: ................................................. 140,654
Premises and Fixed Assets: .......................... 4,025
Other Real Estate: ................................................ 0
Other Assets: ................................................. 6,751
Total Assets: .............................................. 231,743
Total Trust Assets:................................................ 0

Deposits:.................................................... 208,817
Federal Funds and Borrowings: ........................... 0
Other Liabilities:................................................ 370
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 209,187
Total Equity Capital: .................................... 22,556
Total Liabilities and Capital:....................... 231,743
Number of Shares Outstanding: .................... 4,000

Directors: George Cowgur; Albert P. Dunagin; Sharron Edmondson; Jim A. Edmonson;
John R. Meade; William R. Meade; Richard T. Pollreis; David N. Wills
Branches in Town: One
Other Branches: Centerton, Hiwasse

Ninety-First Report

55

First Service Bank
Greenbrier, AR
VOICE: (501) 679-7300
FAX: (501) 679-6461
Population: 3,042

134 South Broadview
Charter Number: 732
P. O. Box 430
Date: October 15, 1976
72058-0430
County: Faulkner
Home Page: www.FirstServiceBank.com
Trust Powers: No
Bank Holding Company
First Service Bancshares, Inc., Greenbrier, AR
Chm: Daniel C. Horton
Reg Pres: Phillip Ellis
CEO/Pres: Thomas H. Grumbles
CFO: Kenneth Barnard
Cash and Due from:....................................... 5,857
Federal Funds and Repos: ............................... 895
Investments:................................................. 12,806
Net Loans:.................................................. 102,253
Premises and Fixed Assets: .......................... 3,732
Other Real Estate: ............................................ 424
Other Assets: ................................................. 3,055
Total Assets: .............................................. 129,022
Total Trust Assets: ................................................ 0

Deposits: .................................................... 114,520
Federal Funds and Borrowings:..................... 3,448
Other Liabilities: ................................................ 690
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 118,658
Total Equity Capital:..................................... 10,364
Total Liabilities and Capital:....................... 129,022
Number of Shares Outstanding: .................. 15,000

Directors: James Beavers; Paul Bone; Dr. Gary Bowman; Melton Cotton; Thomas H.
Grumbles; Jim Hawks; Dr. Kyle D. Hensley; Daniel C. Horton; Dois "Dyke" Johnson; Jerry
Kimbrough; Veda McCaslin; Larry Oaks
Branches in Town: None
Other Branches:
Clinton (2), Dermott,
Marshall, Mountain View, Shirley

Farmers Bank
Greenwood, AR
VOICE: (479) 996-4171
100 West Center
Charter Number: 243
FAX: (479) 996-6700
P. O. Box 610
Date: August 7, 1907
Population: 7,112
72936-0610
County: Sebastian
Home Page: www.farmersbankandtrust.com
Trust Powers: Yes
Bank Holding Company
Wilkinson Banking Corporation, Greenwood, AR
Chm: Elizabeth Wilkinson
Pres/Cash/TO: Edward Wilkinson
CEO: Stanhope Wilkinson
SVP: Tresa Lowe
Cash and Due from:....................................... 4,387
Federal Funds and Repos: ................................... 0
Investments:................................................. 48,877
Net Loans:.................................................. 111,421
Premises and Fixed Assets: ........................ 15,180
Other Real Estate: ......................................... 1,869
Other Assets: ................................................. 2,834
Total Assets: .............................................. 184,568
Total Trust Assets: ......................................... 1,187

Deposits: .................................................... 140,453
Federal Funds and Borrowings:..................... 4,951
Other Liabilities: ................................................ 728
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 146,132
Total Equity Capital:..................................... 38,436
Total Liabilities and Capital:....................... 184,568
Number of Shares Outstanding: .................... 7,500

Directors: Tresa Lowe; Edward Wilkinson; Elizabeth Wilkinson; Norman Wilkinson;
Stanhope Wilkinson; Susan Wilkinson
Branches in Town: One
Other Branches: Bonanza, Fort Smith (2),
Hackett, Hartford, Huntington, Mansfield

56

Arkansas State Bank Department

Farmers Bank
Hamburg, AR
VOICE: (870) 853-5222
FAX: (870) 853-2333
Population: 3,039

Chm: John W. Spivey
Pres: Michael Townsend

210 North Main
Charter Number: 680
P. O. Box 350
Date: March 10, 1941
71646-0350
County: Ashley
Trust Powers: No
Bank Holding Company
None
VP: Virginia Bowman

Cash and Due from:....................................... 1,631
Federal Funds and Repos: ............................ 1,900
Investments: ................................................ 14,989
Net Loans: ................................................... 13,110
Premises and Fixed Assets: .......................... 1,159
Other Real Estate: .............................................. 96
Other Assets: ................................................. 2,471
Total Assets: ................................................ 35,356
Total Trust Assets:................................................ 0

Deposits:...................................................... 30,435
Federal Funds and Borrowings: ......................... 28
Other Liabilities:.................................................. 33
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 30,496
Total Equity Capital: ...................................... 4,860
Total Liabilities and Capital:......................... 35,356
Number of Shares Outstanding: .................. 22,260

Directors: Phillip E. Barnes, Sr.; Robert B. Barnes; S. J. Clark; William E. Foote, IV; Nancy
C. Foote Spivey; Freddie Martin; Jack Shell; John W. Spivey; Bobby J. Witherington
Branches in Town: None
Other Branches: Crossett

Calhoun County Bank
Hampton, AR
VOICE: (870) 798-2207
FAX: (870) 798-4830
Population: 1,579

302 West Main Street
Charter Number: 220
P. O. Box 8
Date: October 26, 1906
71744-0008
County: Calhoun
Trust Powers: No
Bank Holding Company
Harrell Bancshares, Inc., Camden, AR
Chm/CEO/Pres: Searcy W. Harrell, Jr.
EVP: Delois Kitchens
EVP: Phillip J. Foster
EVP: John F. Marsh
Cash and Due from:....................................... 4,241
Federal Funds and Repos: ............................ 4,040
Investments: ................................................ 52,609
Net Loans: ................................................... 72,032
Premises and Fixed Assets: .......................... 2,596
Other Real Estate: ............................................ 364
Other Assets: ................................................. 5,337
Total Assets: .............................................. 141,219
Total Trust Assets:................................................ 0

Deposits:.................................................... 122,144
Federal Funds and Borrowings: .................... 3,701
Other Liabilities:................................................ 407
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 126,252
Total Equity Capital: .................................... 14,967
Total Liabilities and Capital:....................... 141,219
Number of Shares Outstanding: .................... 4,000

Directors: L. D. Becton, III; Harold W. Campbell; Randy Crowder; Gene Dereuisseaux;
Phillip J. Foster; Alvin Green; Carl Harrell; Jonathan W. Harrell; Searcy W. Harrell, Jr.; Paul
E. Lindsey; John F. Marsh; Richard H. Moseley; John David Neeley; Richard L. Smith;
Jannette H. Strickland; D. W. Wells; H. M. Welsh
Branches in Town: None
Other Branches: Camden (3), Junction City

Ninety-First Report

57

The Bank of Harrisburg
Harrisburg, AR
VOICE: (870) 578-2472
FAX: (870) 578-2049
Population: 2,192

201 East Jackson
72432-0017

Charter Number: 620
Date: December 2, 1930
County: Poinsett

Trust Powers: No
Bank Holding Company
Lake Hamilton Enterprises, Inc., Little Rock, AR
Chm: Jim Tom Butler
Pres: James Williams
CEO: Paul D. Eaton, Sr.
SVP: Bill Elliott, Jr.
Cash and Due from:....................................... 1,410
Federal Funds and Repos: ................................... 0
Investments:................................................. 32,163
Net Loans:.................................................... 30,894
Premises and Fixed Assets: ............................. 413
Other Real Estate: ............................................ 364
Other Assets: ................................................. 3,168
Total Assets: ................................................ 68,412
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 58,719
Federal Funds and Borrowings:..................... 2,350
Other Liabilities: ................................................ 669
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 61,738
Total Equity Capital:....................................... 6,674
Total Liabilities and Capital:......................... 68,412
Number of Shares Outstanding: .................... 4,000

Directors: Donald Britnell; Connie Butler; Jim Tom Butler; Patricia Butler; Beth Eaton; Paul
D. Eaton, Jr.; Paul D. Eaton, Sr.; Bill Elliott, Jr.; James Williams
Branches in Town: None
Other Branches: None

Community First Bank
Harrison, AR
VOICE: (870) 391-8000
FAX: (870) 391-8081
Population: 12,152

200 East Ridge
Charter Number: 772
P. O. Box 913
Date: October 14, 1997
72602-0913
County: Boone
Home Page: www.communityfirstbank.com
Trust Powers: Yes
Bank Holding Company
Community First Bancshares, Inc., Harrison, AR
Chm: Jerry Maland
VChm: Dan R. Bowers
CEO/Pres: David Morton
EVP/CFO: Ann Main
Cash and Due from:....................................... 5,931
Federal Funds and Repos: .......................... 10,150
Investments:................................................. 37,694
Net Loans:.................................................. 287,693
Premises and Fixed Assets: .......................... 7,696
Other Real Estate: ......................................... 1,047
Other Assets: ................................................. 6,565
Total Assets: .............................................. 356,776
Total Trust Assets: ................................................ 0

Deposits: .................................................... 269,363
Federal Funds and Borrowings:................... 58,449
Other Liabilities: ............................................. 2,792
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 330,604
Total Equity Capital:..................................... 26,172
Total Liabilities and Capital:....................... 356,776
Number of Shares Outstanding: .................. 60,000

Directors: Joe Bennett, M.D.; Dan R. Bowers; John O. Campbell; L. Eugene Durand; Jim
Harp; Elizabeth Kelley; Ann Main; Jerry Maland; Meredith Miller; David Morton; James
Nelson; Patrick Reed; Jim Sprott; Deretha Walker
Branches in Town: One
Other Branches: Berryville, Eureka Springs

58

Arkansas State Bank Department

First Team Bank
Heber Springs, AR
VOICE: (501) 362-2456
FAX: (501) 362-4554
Population: 6,432

806 West Main
Charter Number: 626
P. O. Box 1560
Date: December 16, 1930
72543-1560
County: Cleburne
Home Page: www.firstteambank.com
Trust Powers: No
Bank Holding Company
Lake Hamilton Enterprises, Inc., Little Rock, AR
Chm: Jim Tom Butler
Pres/COO: R. Dale Miller
CEO: Paul D. Eaton, Sr.
SVP: Keith McHan
Cash and Due from:....................................... 4,918
Federal Funds and Repos: ............................ 5,190
Investments: ................................................ 84,301
Net Loans: ................................................... 99,386
Premises and Fixed Assets: .......................... 2,356
Other Real Estate: ......................................... 2,109
Other Assets: ................................................. 9,174
Total Assets: .............................................. 207,434
Total Trust Assets:................................................ 0

Deposits:.................................................... 179,449
Federal Funds and Borrowings: .................... 6,637
Other Liabilities:............................................. 1,202
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 187,288
Total Equity Capital: .................................... 20,146
Total Liabilities and Capital:....................... 207,434
Number of Shares Outstanding: .................... 1,200

Directors: Walter Aldridge; Connie Butler; Jim Tom Butler; Patricia Butler; Beth Eaton; Paul
Eaton, Jr.; Paul D. Eaton, Sr.; Richie A. Lee; Stan Lee; R. Dale Miller; Wetzel Stark
Branches in Town: Two
Other Branches: Center Ridge, Concord,
Damascus, Greenbrier, Greers Ferry, Guy,
Marshall, Pangburn, Quitman

Greers Ferry Lake State Bank
Heber Springs, AR
VOICE: (501) 362-5883
FAX: (501) 362-0820
Population: 6,432

1230 Highway 25B North
Charter Number: 755
P. O. Box 970
Date: July 26, 1991
72543-0970
County: Cleburne
Home Page: www.gflsb.com
Trust Powers: No
Bank Holding Company
M & P Community Bancshares, Inc., Newport, AR
Chm: Jim S. Gowen, Sr.
Pres: Gary Yow
VChm/CEO: Jim S. Gowen, Jr.
SVP: Wendell Cassell
Cash and Due from:....................................... 5,834
Federal Funds and Repos: ................................... 0
Investments: ................................................ 17,377
Net Loans: ................................................... 29,326
Premises and Fixed Assets: .......................... 2,045
Other Real Estate: ............................................ 654
Other Assets: ................................................. 1,415
Total Assets: ................................................ 56,651
Total Trust Assets:................................................ 0

Deposits:...................................................... 44,840
Federal Funds and Borrowings: .................... 6,918
Other Liabilities:................................................ 220
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 51,978
Total Equity Capital: ...................................... 4,673
Total Liabilities and Capital:......................... 56,651
Number of Shares Outstanding: .................. 60,000

Directors: Roger Bowman; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Dr. Troy A. Gray; Gerald
A. Saracini
Branches in Town: One
Other Branches: Clinton, Greers Ferry

Ninety-First Report

59

Heber Springs State Bank
Heber Springs, AR
VOICE: (501) 362-5821
FAX: (501) 362-9348
Population: 6,432

Second and Main Streets
P. O. Box 1030
72543-0030
Home Page: www.heberbank.com
Trust Powers: Yes
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: Gary Redd
Cash and Due from:....................................... 4,803
Federal Funds and Repos: ............................... 640
Investments:................................................. 46,841
Net Loans:.................................................... 67,842
Premises and Fixed Assets: .......................... 5,305
Other Real Estate: ............................................ 369
Other Assets: ................................................. 4,270
Total Assets: .............................................. 130,070
Total Trust Assets: ................................................ 0

Charter Number: 735
Date: May 7, 1977
County: Cleburne

Deposits: .................................................... 109,512
Federal Funds and Borrowings:..................... 7,962
Other Liabilities: ................................................ 296
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 117,770
Total Equity Capital:..................................... 12,300
Total Liabilities and Capital:....................... 130,070
Number of Shares Outstanding: .................. 17,656

Directors: H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Bill G. Lynch;
Catherine H. Owen
Branches in Town: One
Other Branches: Drasco, Fairfield Bay,
Greers Ferry, Quitman, Rose Bud, Vilonia

Horatio State Bank
Horatio, AR
VOICE: (870) 832-2501
FAX: (870) 832-2577
Population: 997

123 Main Street
Charter Number: 179
P. O. Box 347
Date: May 15, 1905
71842-0347
County: Sevier
Trust Powers: No
Bank Holding Company
Pioneer Bancshares, Inc. of Horatio, Arkansas, Horatio, AR
Chm/CEO/Pres: Carl E. Hendrix, III
SVP: Edith H. Smith
EVP: Wilburn Smith
SVP: Todd B. Trimble
Cash and Due from:..................................... 13,234
Federal Funds and Repos: ............................ 4,335
Investments:................................................. 12,460
Net Loans:.................................................... 44,030
Premises and Fixed Assets: ............................. 737
Other Real Estate: ................................................ 0
Other Assets: .................................................... 801
Total Assets: ................................................ 75,597
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 67,268
Federal Funds and Borrowings:............................ 0
Other Liabilities: ................................................ 186
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 67,454
Total Equity Capital:....................................... 8,143
Total Liabilities and Capital:......................... 75,597
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

Arkansas State Bank Department

60

Simmons First Bank of Hot Springs
Hot Springs, AR
VOICE: (501) 318-1000
FAX: (501) 318-1015
Population: 35,750

100 Werner Drive
Charter Number: 769
P. O. Box 22000
Date: April 17, 1997
71903
County: Garland
Home Page: www.simmonsfirst.com
Trust Powers: Yes
Bank Holding Company
Simmons First National Corporation, Pine Bluff, AR
Chm/CEO/Pres: David L. Bartlett
EVP: Ronnie Twyford
EVP: Steven Trusty
Cash and Due from:....................................... 6,567
Federal Funds and Repos: ................................... 0
Investments: ................................................ 56,034
Net Loans: ................................................... 69,866
Premises and Fixed Assets: .......................... 2,406
Other Real Estate: ............................................ 166
Other Assets: ............................................... 20,756
Total Assets: .............................................. 155,795
Total Trust Assets:................................................ 0

Deposits:.................................................... 116,684
Federal Funds and Borrowings: .................. 11,020
Other Liabilities:............................................. 1,858
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 129,562
Total Equity Capital: .................................... 26,233
Total Liabilities and Capital:....................... 155,795
Number of Shares Outstanding: .................. 18,663

Directors: David L. Bartlett; Stuart A. Fleischner, D.D.S.; Louis F. Kleinman; James "Bart"
Newman; John D. Selig; Sam P. Stathakis, Jr.; Sara Stough; Gene Thomason
Branches in Town: Four
Other Branches: None

First State Bank of Northwest Arkansas
Huntsville, AR
VOICE: (479) 582-0700
FAX: (479) 251-8253
Population: 1,931

Highway 412 West
Charter Number: 756
P. O. Box 667
Date: July 26, 1991
72740-0667
County: Madison
Home Page: www.fsbnwa.com
Trust Powers: Yes
Bank Holding Company
Mathias Bancshares, Inc., Springdale, AR
Chm: Sam Mathias
SVP: Dave Seal
CEO/Pres: Curtis Hutchins
SVP/Cash: Marivel Radcliffe
Cash and Due from:....................................... 1,427
Federal Funds and Repos: ............................ 2,300
Investments: ................................................ 10,116
Net Loans: ................................................... 47,873
Premises and Fixed Assets: .......................... 1,686
Other Real Estate: ......................................... 1,051
Other Assets: ................................................. 2,217
Total Assets: ................................................ 66,670
Total Trust Assets:................................................ 0

Deposits:...................................................... 45,869
Federal Funds and Borrowings: .................. 13,000
Other Liabilities:................................................ 192
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 59,061
Total Equity Capital: ...................................... 7,609
Total Liabilities and Capital:......................... 66,670
Number of Shares Outstanding: .................. 27,000

Directors: Curtis Hutchins; Sam Mathias; Bob Nickle; Lew Thompson
Branches in Town: None
Other Branches: Fayetteville (2)

Ninety-First Report

61

First Arkansas Bank & Trust
Jacksonville, AR
VOICE: (501) 982-4511
FAX: (501) 982-5769
Population: 29,916

600 West Main
Charter Number: 701
P. O. Box 827
Date: August 2, 1949
72078-0827
County: Pulaski
Home Page: www.Firstarkansasbank.com
Trust Powers: Yes
Bank Holding Company
First Arkansas BancShares, Inc., Jacksonville, AR
Chm/CEO/Pres: Larry T. Wilson
TO: Pat Teague
EVP: Ken Southern
Cash and Due from:..................................... 11,151
Federal Funds and Repos: ................................... 0
Investments:................................................. 64,061
Net Loans:.................................................. 176,903
Premises and Fixed Assets: .......................... 6,608
Other Real Estate: ................................................ 0
Other Assets: ................................................. 7,796
Total Assets: .............................................. 266,519
Total Trust Assets: ..................................... 118,042

Deposits: .................................................... 196,721
Federal Funds and Borrowings:................... 23,005
Other Liabilities: ............................................. 2,621
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 222,347
Total Equity Capital:..................................... 44,172
Total Liabilities and Capital:....................... 266,519
Number of Shares Outstanding: ................ 200,000

Directors: Ted Belden; Tommy Bond; John A. Davis; Thad Gray; William A. Gwatney; John
C. Hardwick; Kathryn W. Roberts; Ken Southern; Larry T. Wilson; Michael K. Wilson
Branches in Town: Five
Other Branches: Cabot (3), El Paso, Gravel
Ridge, North Little Rock

American State Bank
Jonesboro, AR
VOICE: (870) 972-9800
2201 Fair Park
Charter Number: 262
FAX: (870) 930-9311
P. O. Box 3080
Date: October 3, 1908
Population: 55,515
72403
County: Craighead
Home Page: www.american-state-bank.com
Trust Powers: Yes
Bank Holding Company
American State Bank Corporation, Jonesboro, AR
Chm/CEO : Frank Oldham
EVP: Judy Dacus
Pres/COO: Steve Gramling
EVP: David Dudley
Cash and Due from:....................................... 6,155
Federal Funds and Repos: ................................... 0
Investments:............................................... 101,819
Net Loans:.................................................. 210,742
Premises and Fixed Assets: ........................ 13,118
Other Real Estate: ............................................ 117
Other Assets: ................................................. 9,980
Total Assets: .............................................. 341,931
Total Trust Assets: ................................................ 0

Deposits: .................................................... 274,452
Federal Funds and Borrowings:................... 41,101
Other Liabilities: ............................................. 1,310
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 316,863
Total Equity Capital:..................................... 25,068
Total Liabilities and Capital:....................... 341,931
Number of Shares Outstanding: .................... 4,000

Directors: David Dudley; Rogers Ford; Steve Gramling; Frank Guinn; Philip A. Jones; J.
Steven McFerron; Olin F. Morris; Frank Oldham; Mark Rowland; Don B. Vollman, Jr.; Larry
Wamble; Linda Warhurst; Joe D. Wessell; Keith W. White; Joe A. Williams; Perry L. Wilson;
R. E. L. Wilson, V; Steve A. Wilson
Branches in Town: Three
Other Branches:
Marmaduke, Osceola,
Paragould (3), Pocahontas, Wilson

62

Arkansas State Bank Department

Heritage Bank
Jonesboro, AR
VOICE: (870) 802-2344
FAX: (870) 268-2033
Population: 55,515

2009 Browns Lane
Charter Number: 703
P. O. Box 3020
Date: January 23, 1951
72403-3020
County: Craighead
Home Page: www.heritagebankark.com
Trust Powers: No
Bank Holding Company
Heritage Capital Corporation, Jonesboro, AR
Chm: Larry Grisham
EVP/CFO: Diane Steiling
CEO/Pres: Stephen D. May
Cash and Due from:....................................... 5,377
Federal Funds and Repos: ................................... 0
Investments: ................................................ 28,028
Net Loans: ................................................. 163,820
Premises and Fixed Assets: .......................... 5,819
Other Real Estate: ............................................ 595
Other Assets: ................................................. 3,793
Total Assets: .............................................. 207,432
Total Trust Assets:................................................ 0

Deposits:.................................................... 162,924
Federal Funds and Borrowings: .................. 25,120
Other Liabilities:................................................ 910
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 188,954
Total Equity Capital: .................................... 18,478
Total Liabilities and Capital:....................... 207,432
Number of Shares Outstanding: .................. 10,000

Directors: Dr. Ronald Burnett; Jim Fulkerson; Richard Gray; Larry Grisham; Stephen D.
May; Oscar Melton, Jr.; Diane Steiling; Leon Swihart; Bob Troutt; Joe Turney
Branches in Town: Two
Other Branches:
Caraway, Leachville,
Manila, Monette

Liberty Bank of Arkansas
Jonesboro, AR
VOICE: (870) 934-9000
FAX: (870) 268-1525
Population: 55,515

2901 East Highland Drive
Charter Number: 787
P. O. Box 7514
Date: January 24, 2001
72403
County: Craighead
Home Page: www.mylibertybank.com
Trust Powers: Yes
Bank Holding Company
Liberty Bancshares, Inc., Jonesboro, AR
Chm/CEO: Wallace W. Fowler
Pres: John C. Freeman
VChm: Mark P. Fowler
EVP/TO: Aubrey Avants
Cash and Due from:..................................... 20,183
Federal Funds and Repos: ................................... 0
Investments: .............................................. 206,747
Net Loans: ................................................. 738,142
Premises and Fixed Assets: ........................ 44,690
Other Real Estate: ............................................ 360
Other Assets: ............................................... 52,682
Total Assets: ........................................... 1,062,804
Total Trust Assets:..................................... 142,170

Deposits:.................................................... 857,914
Federal Funds and Borrowings: .................. 80,576
Other Liabilities:............................................. 8,973
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 947,463
Total Equity Capital: .................................. 115,341
Total Liabilities and Capital:.................... 1,062,804
Number of Shares Outstanding: ................ 867,033

Directors: Wayne F. Baker; Susan Cathcart; Richard Darouse; Chris E. Fowler; Jama M.
Fowler; Mark P. Fowler; Wallace W. Fowler; John C. Freeman; Moud Gazaway; Stacy
Greene; Al M. Heringer, III; Sam W. Hummelstein; Mike Langford; Charles Luter; Hugh
McClain; Lloyd H. McCracken, Jr.; Matt Parker; James E. Way; William C. Young, Jr.
Branches in Town: Six
Other Branches: Batesville, Bay, Highland,
Monette, Mountain Home, Paragould (3),
Rector

Ninety-First Report

63

Simmons First Bank of Jonesboro
Jonesboro, AR
VOICE: (870) 933-8000
FAX: (870) 933-7565
Population: 55,515

1720 South Caraway Road
Charter Number: 734
P. O. Box 1720
Date: December 22, 1976
72403-1720
County: Craighead
Home Page: www.simmonsfirst.com
Trust Powers: Yes
Bank Holding Company
Simmons First National Corporation, Pine Bluff, AR
CEO/Pres: Barry K. Ledbetter
SVP/Sec: Wayne Bond
Cash and Due from:....................................... 9,706
Federal Funds and Repos: ................................... 0
Investments:................................................. 20,497
Net Loans:.................................................. 218,244
Premises and Fixed Assets: .......................... 4,613
Other Real Estate: .............................................. 50
Other Assets: ................................................. 5,522
Total Assets: .............................................. 258,632
Total Trust Assets: ................................................ 0

Deposits: .................................................... 211,054
Federal Funds and Borrowings:................... 27,811
Other Liabilities: ............................................. 1,489
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 240,354
Total Equity Capital:..................................... 18,278
Total Liabilities and Capital:....................... 258,632
Number of Shares Outstanding: ................ 175,000

Directors: Dennis Abell; Marty D. Casteel; Barry K. Ledbetter; Scott Mixon; Ben Owens, Jr.;
David Pyle; Jim Scurlock; Berl A. Smith; Mark Wimpy
Branches in Town: Three
Other Branches: Weiner

Centennial Bank
Kingsland, AR
VOICE: (870) 348-5657
FAX: (870) 348-1002
Population: 449

140 First Street
Charter Number: 165
P.O. Box 85
Date: August 22, 1904
71652-0085
County: Cleveland
Trust Powers: No
Bank Holding Company
Centennial Bancshares, Inc., Little Rock, AR
CEO/Pres: Christopher S. Roberts
Cash and Due from:....................................... 3,862
Federal Funds and Repos: ............................ 2,946
Investments:................................................. 10,024
Net Loans:.................................................... 61,206
Premises and Fixed Assets: .......................... 1,083
Other Real Estate: .............................................. 76
Other Assets: ................................................. 2,527
Total Assets: ................................................ 81,724
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 66,442
Federal Funds and Borrowings:..................... 5,800
Other Liabilities: ................................................ 259
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 72,501
Total Equity Capital:....................................... 9,223
Total Liabilities and Capital:......................... 81,724
Number of Shares Outstanding: .................... 3,060

Directors: Blair Allen; Curtis L. Bowman; S. Gene Cauley; Ricky B. Ferguson; C. Joseph
Giroir; Sheila Harrison; Richard L. Mays; John T. Olaimey; Christopher S. Roberts; William
A. Roberts; Steve A. Wortman
Branches in Town: None
Other Branches: Fordyce, Little Rock (2),
New Edinburg, Rison

Arkansas State Bank Department

64

The Bank of Lake Village
Lake Village, AR
VOICE: (870) 265-2241
FAX: (870) 265-2125
Population: 2,823

201 Main Street
Charter Number: 675
P. O. Box 727
Date: October 14, 1937
71653-0727
County: Chicot
Home Page: www.bankoflakevillage.com
Trust Powers: No
Bank Holding Company
Southeast Arkansas Bank Corporation, Lake Village, AR
Chm: Charles H. Weissinger, Jr.
VChm: William W. Bunker
CEO/Pres: Terence J. Alpe
Sec: John Todd Potter
Cash and Due from:....................................... 1,599
Federal Funds and Repos: ................................... 0
Investments: ................................................ 14,144
Net Loans: ................................................... 34,332
Premises and Fixed Assets: .......................... 1,761
Other Real Estate: ......................................... 2,096
Other Assets: ................................................. 2,122
Total Assets: ................................................ 56,054
Total Trust Assets:................................................ 0

Deposits:...................................................... 46,637
Federal Funds and Borrowings: .................... 3,708
Other Liabilities:.................................................. 97
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 50,442
Total Equity Capital: ...................................... 5,612
Total Liabilities and Capital:......................... 56,054
Number of Shares Outstanding: .................. 60,000

Directors: Terence J. Alpe; Sam E. Angel; William W. Bunker; Dr. John P. Burge, Sr.;
David F. Gillison, Jr.; Dr. Marvin D. Loyd, DDS; Joseph J. Pieroni; Charles H. Weissinger,
Jr.; Guy Mattingly Weissinger
Branches in Town: One
Other Branches: None

Simmons First Bank of South Arkansas
Lake Village, AR
VOICE: (870) 265-5366
FAX: (870) 265-5558
Population: 2,823

417 Main Street
Charter Number: 716
P. O. Box 271
Date: June 12, 1962
71653-0271
County: Chicot
Home Page: www.simmonsfirst.com
Trust Powers: Yes
Bank Holding Company
Simmons First National Corporation, Pine Bluff, AR
Chm: Ben V. Floriani
EVP: Tommy R. Jarrett
CEO/Pres: Freddie G. Black
SVP: William F. "Bill" Wisener
Cash and Due from:..................................... 10,307
Federal Funds and Repos: ................................... 0
Investments: ................................................ 33,351
Net Loans: ................................................... 76,282
Premises and Fixed Assets: .......................... 3,564
Other Real Estate: ............................................ 170
Other Assets: ................................................. 5,216
Total Assets: .............................................. 128,890
Total Trust Assets:................................................ 0

Deposits:.................................................... 113,401
Federal Funds and Borrowings: ....................... 768
Other Liabilities:................................................ 604
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 114,773
Total Equity Capital: .................................... 14,117
Total Liabilities and Capital:....................... 128,890
Number of Shares Outstanding: .................. 12,500

Directors: Freddie G. Black; Robert G. Bridewell; Ben V. Floriani; James W. Haddock;
Craig Hunt; Tommy R. Jarrett; Lester Pinkus; Beverly M. Rowe; Jerry Selby; Joe Dan Yee
Branches in Town: One
Other Branches:
Dermott, Dumas,
Monticello

Ninety-First Report

65

Little River Bank
Lepanto, AR
VOICE: (870) 475-2306
FAX: (870) 475-3070
Population: 2,133

202 Greenwood
Charter Number: 498
P. O. Box 340
Date: November 21, 1919
72354-0340
County: Poinsett
Home Page: www.littleriverbank.com
Trust Powers: Yes
Bank Holding Company
Little River Bancshares, Inc., Lepanto, AR
CEO/Pres: Thomas M. Hargrove
VP: Benjamin E. Perry
VP: Lois Criddle
VP: Ara Sharp
Cash and Due from:....................................... 2,473
Federal Funds and Repos: ............................... 250
Investments:................................................. 28,938
Net Loans:.................................................... 19,824
Premises and Fixed Assets: ............................. 289
Other Real Estate: .............................................. 16
Other Assets: ................................................. 1,131
Total Assets: ................................................ 52,921
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 37,031
Federal Funds and Borrowings:................... 10,000
Other Liabilities: ................................................ 140
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 47,171
Total Equity Capital:....................................... 5,750
Total Liabilities and Capital:......................... 52,921
Number of Shares Outstanding: .................. 10,000

Directors: Hadley Ingram Arnold; Scott Arnold, IV; Thomas M. Hargrove; Julanne Ingram;
W. Kent Ingram, Jr.; Junaway Payne; Benjamin E. Perry; Ernest B. Portis; Stephen J.
Romano; Danette P. Watkins; Henry G. Watkins, III
Branches in Town: None
Other Branches: None

Arkansas Bankers' Bank
Little Rock, AR
VOICE: (501) 371-0535
FAX: (501) 375-2281
Population: 183,133

1020 West Second Street
72201-2031

Charter Number: 752
Date: April 17, 1990
County: Pulaski

Home Page: www.arbankersbank.com
Trust Powers: No
Member of Federal Reserve System
Bank Holding Company
Arkansas Bankers' Bancorporation, Inc., Little Rock, AR
Chm: Thomas H. Grumbles
SVP: Boyd Rothwell
CEO/Pres: James N. Thomason
Cash and Due from:..................................... 16,532
Federal Funds and Repos: .......................... 14,950
Investments:................................................. 95,010
Net Loans:.................................................... 15,606
Premises and Fixed Assets: ............................. 841
Other Real Estate: ................................................ 0
Other Assets: ................................................. 7,639
Total Assets: .............................................. 150,578
Total Trust Assets: ................................................ 0

Deposits: .................................................... 123,507
Federal Funds and Borrowings:..................... 7,699
Other Liabilities: ............................................. 1,126
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 132,332
Total Equity Capital:..................................... 18,246
Total Liabilities and Capital:....................... 150,578
Number of Shares Outstanding: .................. 50,000

Directors: John Brannan, Jr.; Lunsford W. Bridges; Gary R. Canada; Martin B. Carpenter;
Thomas H. Grumbles; Stephen E. Stafford; James N. Thomason
Branches in Town: None
Other Branches: None

66

Arkansas State Bank Department

Bank of Little Rock
Little Rock, AR
VOICE: (501) 376-0800
FAX: (501) 376-1642
Population: 183,133

200 North State Street
Charter Number: 748
P. O. Box 34090
Date: May 4, 1989
72203-4090
County: Pulaski
Home Page: www.bankoflittlerock.com
Trust Powers: Yes
Member of Federal Reserve System
Bank Holding Company
Little Rock Bankshares, Inc., Little Rock, AR
Chm/CEO: Eugene L. Maris
EVP: Larry R. Brown
Pres: George G. Worthen
SVP/Cash: Lee A. Swearingen
Cash and Due from:....................................... 4,832
Federal Funds and Repos: ............................ 8,525
Investments: ................................................ 26,369
Net Loans: ................................................... 80,173
Premises and Fixed Assets: .......................... 6,388
Other Real Estate: ......................................... 1,891
Other Assets: ................................................. 1,925
Total Assets: .............................................. 130,103
Total Trust Assets:................................................ 0

Deposits:.................................................... 117,412
Federal Funds and Borrowings: ........................... 0
Other Liabilities:................................................ 725
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 118,137
Total Equity Capital: .................................... 11,966
Total Liabilities and Capital:....................... 130,103
Number of Shares Outstanding: ................ 100,000

Directors: J. Harry Leggett, Jr.; Eugene L. Maris; James M. May, III; Stephen W. Plunkett;
Steven C. Russell; George G. Worthen
Branches in Town: Three
Other Branches: None

Ninety-First Report

67

Bank of the Ozarks
Little Rock, AR
VOICE: (501) 978-2265
FAX: (501) 978-2205
Population: 183,133

12615 Chenal Parkway
Charter Number: 121
P. O. Box 8811
Date: March 24, 1903
72231-8811
County: Pulaski
Home Page: www.bankozarks.com
Trust Powers: Yes
Bank Holding Company
Bank of the Ozarks, Inc., Little Rock, AR
Chm/CEO: George G. Gleason, II
CFO: Paul E. Moore
VChm/Pres/COO: Mark D. Ross
TO: Rex Kyle
Cash and Due from:..................................... 45,204
Federal Funds and Repos: ................................... 0
Investments:............................................... 492,694
Net Loans:............................................... 1,205,095
Premises and Fixed Assets: ........................ 75,706
Other Real Estate: ............................................ 690
Other Assets: ............................................... 77,904
Total Assets: ........................................... 1,897,293
Total Trust Assets: ..................................... 446,576

Deposits: ................................................. 1,495,763
Federal Funds and Borrowings:................. 243,337
Other Liabilities: ............................................. 7,058
Subordinated Debt:............................................... 0
Total Liabilities: ....................................... 1,746,158
Total Equity Capital:................................... 151,135
Total Liabilities and Capital:.................... 1,897,293
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; Porter Hillard; Henry Mariani; James A. Matthews; John R.
Mills; R. L. Qualls; Mark D. Ross; Kennith Smith; Robert P. Trevino
Branches in Town: Seven
Other Branches: Alma, Altus, Bellefonte,
Benton (2), Bentonville, Bryant (2), Cabot
(2), Clarksville (2), Clinton, Conway (4),
Dallas[TX], Fayetteville, Fort Smith (3),
Frisco[TX], Harrison (2), Jasper, Lonoke,
Lonsdale, Marshall, Maumelle, Mountain
Home (2), Mulberry, North Little Rock (4),
Ozark (2), Paris, Russellville (2), Sherwood,
Texarkana[TX], Van Buren (2), Western
Grove, Yellville

68

Arkansas State Bank Department

The Capital Bank
Little Rock, AR
VOICE: (501) 228-6000
FAX: (501) 228-6006
Population: 183,133

12224 Chenal Parkway
Charter Number: 771
P. O. Box 8210
Date: July 30, 1997
72211
County: Pulaski
Home Page: www.thecapitalbank.com
Trust Powers: Yes
Member of Federal Reserve System
Bank Holding Company
Capital Bancshares, Inc., Little Rock, AR
CEO/Pres: Kyle E. Patton
VP/CFO: Catherine Davis
EVP: Bonnie Crocheron
Cash and Due from:....................................... 5,111
Federal Funds and Repos: ............................ 3,465
Investments: ................................................ 62,277
Net Loans: ................................................... 43,032
Premises and Fixed Assets: .......................... 4,325
Other Real Estate: ................................................ 0
Other Assets: ................................................. 1,965
Total Assets: .............................................. 120,175
Total Trust Assets:................................................ 0

Deposits:...................................................... 98,147
Federal Funds and Borrowings: .................. 10,299
Other Liabilities:............................................. 3,146
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 111,592
Total Equity Capital: ...................................... 8,583
Total Liabilities and Capital:....................... 120,175
Number of Shares Outstanding: .................. 32,013

Directors: Melinda Ballard; Jack Hartsell; Dr. Joseph S. Murphy; Joseph W. Park; Kyle E.
Patton; Warren Stephenson
Branches in Town: None
Other Branches: North Little Rock

Eagle Bank & Trust Company
Little Rock, AR
VOICE: (501) 223-2000
FAX: (501) 223-0373
Population: 183,133

650 South Shackleford, Suite 150
Charter Number: 720
P. O. Box 22120
Date: July 28, 1966
72212
County: Pulaski
Home Page: www.eaglebank.com
Trust Powers: Yes
Member of Federal Reserve System
Bank Holding Company
State Holding Company, Little Rock, AR
Chm: Harry L. Hastings, Jr.
SVP/COO: Laura Bogoslavsky
CEO/Pres/Cash/TO: Randall K. Herlocker
SVP/Cash: Paul Castleberry
Cash and Due from:....................................... 2,946
Federal Funds and Repos: ................................... 0
Investments: ................................................ 49,271
Net Loans: ................................................... 46,564
Premises and Fixed Assets: ............................. 970
Other Real Estate: ................................................ 0
Other Assets: ................................................. 3,102
Total Assets: .............................................. 102,853
Total Trust Assets:................................................ 0

Deposits:...................................................... 80,853
Federal Funds and Borrowings: .................. 14,057
Other Liabilities:................................................ 242
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 95,152
Total Equity Capital: ...................................... 7,701
Total Liabilities and Capital:....................... 102,853
Number of Shares Outstanding: .................... 8,000

Directors: H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Randall K.
Herlocker; Catherine H. Owen
Branches in Town: One
Other Branches: Gravel Ridge, North Little
Rock, Sherwood (3)

Ninety-First Report

69

Pulaski Bank And Trust Company
Little Rock, AR
VOICE: (501) 661-7700
FAX: (501) 661-7380
Population: 183,133

5800 R Street
Charter Number: 710
P. O. Box 7299
Date: August 29, 1955
72217-7299
County: Pulaski
Home Page: www.pulaskibank.com
Trust Powers: Yes
Member of Federal Reserve System
Bank Holding Company
Pulaski Investment Corporation, Little Rock, AR
Chm: James C. East
Pres: William C. Scholl
CEO: J. Hunter East
TO: Robert Plummer
Cash and Due from:..................................... 25,829
Federal Funds and Repos: ................................... 0
Investments:................................................. 35,074
Net Loans:.................................................. 357,525
Premises and Fixed Assets: ........................ 22,804
Other Real Estate: ............................................ 229
Other Assets: ............................................... 14,910
Total Assets: .............................................. 456,371
Total Trust Assets: ..................................... 124,993

Deposits: .................................................... 381,923
Federal Funds and Borrowings:................... 27,605
Other Liabilities: ............................................. 6,185
Subordinated Debt:........................................ 6,000
Total Liabilities: .......................................... 421,713
Total Equity Capital:..................................... 34,658
Total Liabilities and Capital:....................... 456,371
Number of Shares Outstanding: .................... 1,850

Directors: Albert B. Braunfisch; J. Hunter East; James C. East; Robert C. Magee; William
C. Scholl; David E. Snowden, Jr.; Dr. Kent Westbrook, M.D.; Mark V. Williamson
Branches in Town: Seven
Other Branches:
Bryant, Memphis[TN],
North Little Rock (2)

First State Bank
Lonoke, AR
VOICE: (501) 676-3106
FAX: (501) 676-5046
Population: 4,287

101 South Center Street
P. O. Box 320
72086-0320
Home Page: www.firststatebk.com
Trust Powers: No
Bank Holding Company
Lonoke Bancshares, Inc., Lonoke, AR
Chm: Neil Bennett, Jr.
EVP: J. Bruce Loftin
CEO/Pres: David R. Estes
Cash and Due from:....................................... 7,637
Federal Funds and Repos: ................................... 0
Investments:................................................. 51,082
Net Loans:.................................................. 182,518
Premises and Fixed Assets: .......................... 3,725
Other Real Estate: ................................................ 0
Other Assets: ................................................. 6,040
Total Assets: .............................................. 251,002
Total Trust Assets: ................................................ 0

Charter Number: 670
Date: March 9, 1935
County: Lonoke

Deposits: .................................................... 190,797
Federal Funds and Borrowings:................... 36,472
Other Liabilities: ................................................ 728
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 227,997
Total Equity Capital:..................................... 23,005
Total Liabilities and Capital:....................... 251,002
Number of Shares Outstanding: .................. 16,000

Directors: Robert S. Bailey, Jr.; Daine O'Neil Bennett, Sr.; Neil Bennett, Jr.; Richard
Bransford; Charles L. Cabe, Jr.; David R. Estes; William Fletcher, Jr.; Stan Green; J. L.
Griffin; J. Bruce Loftin; J. Walls McCrary; Joe P. Melton, Jr.; Daina B. Newcomb; Alan
(Chuck) Sharp; Marvin D. Thaxton, Jr.; Gary A. Thompson
Branches in Town: One
Other Branches:
Carlisle, Fayetteville,
Gurdon

Arkansas State Bank Department

70

Farmers Bank and Trust Company
Magnolia, AR
VOICE: (870) 235-7000
FAX: (870) 235-7010
Population: 10,858

200 East Main Street
Charter Number: 217
P. O. Box 250
Date: September 26, 1906
71754-0250
County: Columbia
Home Page: www.fbtarkansas.com
Trust Powers: Yes
Bank Holding Company
Magnolia Banking Corporation, Magnolia, AR
Chm/CEO/Pres: Bob L. Burns
EVP/CLO: Steve Keith
EVP/COO/TO: Bruce D. Maloch
SVP/CFO: Janna B. Snider
Cash and Due from:....................................... 9,808
Federal Funds and Repos: ................................... 0
Investments: .............................................. 154,946
Net Loans: ................................................. 293,824
Premises and Fixed Assets: .......................... 7,577
Other Real Estate: ............................................ 124
Other Assets: ............................................... 22,803
Total Assets: .............................................. 489,082
Total Trust Assets:....................................... 87,767

Deposits:.................................................... 411,129
Federal Funds and Borrowings: .................. 28,393
Other Liabilities:............................................. 4,921
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 444,443
Total Equity Capital: .................................... 44,639
Total Liabilities and Capital:....................... 489,082
Number of Shares Outstanding: ................ 100,000

Directors: John E. Alexander, Jr.; Ronny J. Bell; Bob L. Burns; Hayden Franks; Steve
Keith; Bruce D. Maloch; Ronnie Ribble; Ken Sibley; T. E. Smith
Branches in Town: Three
Other Branches: Camden (4), Springhill
[LA]

The Peoples Bank
Magnolia, AR
VOICE: (870) 234-5777
500 North Jackson
Charter Number: 313
FAX: (870) 234-3384
P. O. Box 340
Date: June 22, 1910
Population: 10,858
71754-0340
County: Columbia
Home Page: www.peoplesbankmagnolia.com
Trust Powers: Yes
Bank Holding Company
Golden Oaks Bancshares, Inc., Magnolia, AR
Chm: S. Clark Fincher
Pres: Todd D. Smith
CEO: Mary L. Fowler
EVP: Scott N. White
Cash and Due from:....................................... 5,732
Federal Funds and Repos: ............................... 390
Investments: .................................................. 9,756
Net Loans: ................................................... 34,458
Premises and Fixed Assets: .......................... 1,535
Other Real Estate: ............................................ 272
Other Assets: .................................................... 306
Total Assets: ................................................ 52,449
Total Trust Assets:................................................ 0

Deposits:...................................................... 47,232
Federal Funds and Borrowings: ........................... 0
Other Liabilities:................................................ 176
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 47,408
Total Equity Capital: ...................................... 5,041
Total Liabilities and Capital:......................... 52,449
Number of Shares Outstanding: .................. 10,000

Directors: Jonathan Baird; Dorothy J. Fincher; Harold H. Fincher; S. Clark Fincher; Mary L.
Fowler; Betty Harris; Betty L. Scott; Gerald F. Scott; J. David Scott; Todd D. Smith; Scott N.
White
Branches in Town: One
Other Branches: Waldo

Ninety-First Report

71

Southern State Bank
Malvern, AR
VOICE: (501) 332-2462
FAX: (501) 332-8437
Population: 9,021

521 East Page
Charter Number: 763
P. O. Box 340
Date: December 31, 1992
72104-0340
County: Hot Spring
Home Page: www.southernstatebank.com
Trust Powers: No
Bank Holding Company
Southern State Bancshares, Inc., Malvern, AR
Chm/CEO/Pres: Donald A. Walsh
VP: Johnny Gibbs
EVP: Sue Stinnett
Cash and Due from:....................................... 1,991
Federal Funds and Repos: ................................... 0
Investments:................................................. 21,832
Net Loans:.................................................... 47,554
Premises and Fixed Assets: .......................... 2,721
Other Real Estate: ............................................ 395
Other Assets: ................................................. 2,104
Total Assets: ................................................ 76,597
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 61,550
Federal Funds and Borrowings:..................... 8,525
Other Liabilities: ................................................ 388
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 70,463
Total Equity Capital:....................................... 6,134
Total Liabilities and Capital:......................... 76,597
Number of Shares Outstanding: .................. 15,906

Directors: William B. Birch; Mitchell Burris; Steve Faris; George Hopkins; Frank McClure;
Martha McClure; William H. McClure; Sue Stinnett; Donald A. Walsh; A. J. Wilks
Branches in Town: One
Other Branches: Haskell

First Community Bank of Eastern Arkansas
Marion, AR
VOICE: (870) 739-7300
FAX: (870) 739-2234
Population: 8,901

205 Block Street
Charter Number: 775
P. O. Box 747
Date: October 8, 1998
72364-0747
County: Crittenden
Home Page: www.firstcommunitybank.us
Trust Powers: Yes
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
EVP/CFO: Thomas J. Anderson
Cash and Due from:....................................... 2,312
Federal Funds and Repos: ............................... 140
Investments:................................................. 20,681
Net Loans:.................................................... 42,885
Premises and Fixed Assets: .......................... 3,721
Other Real Estate: ................................................ 0
Other Assets: ................................................. 1,538
Total Assets: ................................................ 71,277
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 62,892
Federal Funds and Borrowings:............................ 0
Other Liabilities: ................................................ 498
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 63,390
Total Equity Capital:....................................... 7,887
Total Liabilities and Capital:......................... 71,277
Number of Shares Outstanding: .................. 60,000

Directors: Michael D. East; Frank A. Fogleman; Frank G. Fogleman; Franklin G. Fogleman;
Julian Hardin; Allen B. Helms, Jr.; Matthew L. Pike, III; Adolph Pirani; Mark A. Pirani; James
A. Ross; Samuel H. Stuckey, Jr.; William Bart Turner; Donny Underwood; David S. Wallace;
Charles L. Williams, Jr.
Branches in Town: None
Other Branches: West Memphis

72

Arkansas State Bank Department

First Delta Bank
Marked Tree, AR
VOICE: (870) 358-6000
FAX: (870) 358-6001
Population: 2,800

214 Hester Parker Drive
Charter Number: 704
P. O. Box 635
Date: October 31, 1951
72365-0635
County: Poinsett
Trust Powers: No
Bank Holding Company
Tyronza Bancshares, Inc., Marked Tree, AR
Chm: George E. Beley
VP: Joyce Loyd
CEO/Pres: Chris M. Lehman
Cash and Due from:....................................... 1,976
Federal Funds and Repos: ................................... 0
Investments: ................................................ 22,081
Net Loans: ................................................... 23,212
Premises and Fixed Assets: .......................... 1,088
Other Real Estate: .............................................. 82
Other Assets: .................................................... 704
Total Assets: ................................................ 49,143
Total Trust Assets:................................................ 0

Deposits:...................................................... 38,679
Federal Funds and Borrowings: .................... 5,000
Other Liabilities:................................................ 201
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 43,880
Total Equity Capital: ...................................... 5,263
Total Liabilities and Capital:......................... 49,143
Number of Shares Outstanding: .................... 2,000

Directors: Charles A. Banks; George E. Beley; Chris M. Lehman; Charles F. Luter; H. F.
Norcross, III; Eugene Vaughn; Lewis M. Wood
Branches in Town: None
Other Branches: Trumann, Tyronza

Bank of McCrory
McCrory, AR
VOICE: (870) 731-2521
FAX: (870) 731-2859
Population: 1,850

124 Edmonds Avenue
P. O. Box 370
72101-0370
Trust Powers: Yes
Bank Holding Company
M. D. Thompson & Son Co., McCrory, AR
Chm/CEO/Pres: Sean H. Williams
Cash and Due from:....................................... 1,851
Federal Funds and Repos: ............................... 400
Investments: ................................................ 20,358
Net Loans: ................................................... 39,481
Premises and Fixed Assets: ............................. 349
Other Real Estate: ................................................ 0
Other Assets: ................................................. 1,099
Total Assets: ................................................ 63,538
Total Trust Assets:................................................ 0

Charter Number: 128
Date: June 8, 1903
County: Woodruff

Deposits:...................................................... 55,483
Federal Funds and Borrowings: ........................... 0
Other Liabilities:................................................ 211
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 55,694
Total Equity Capital: ...................................... 7,844
Total Liabilities and Capital:......................... 63,538
Number of Shares Outstanding: .................. 20,000

Directors: Ian Arnof; John D. Eldridge, III; Fletcher C. Lewis; G. L. Morris, Jr.; H. Ripley
Thompson; John G. Thompson; Vance M. Thompson, III; Sean H. Williams
Branches in Town: None
Other Branches: None

Ninety-First Report

73

McGehee Bank
McGehee, AR
VOICE: (870) 222-3151
FAX: (870) 222-6159
Population: 4,570

301 North Second Street
Charter Number: 661
P. O. Box 787
Date: December 5, 1933
71654-0787
County: Desha
Home Page: www.mcgeheebank.com
Trust Powers: Yes
Bank Holding Company
Southeast Financial Bankstock Corporation, McGehee, AR
Chm/CEO/Pres: William W. Bowman
EVP/TO: James M. Smith
VChm: John H. Potter, Jr.
VP/Cash: Stephen Wilson
Cash and Due from:....................................... 6,639
Federal Funds and Repos: ................................... 0
Investments:................................................. 48,031
Net Loans:.................................................... 60,238
Premises and Fixed Assets: ............................. 518
Other Real Estate: ................................................ 0
Other Assets: ................................................. 3,579
Total Assets: .............................................. 119,005
Total Trust Assets: ....................................... 56,858

Deposits: ...................................................... 78,788
Federal Funds and Borrowings:................... 24,200
Other Liabilities: ................................................ 739
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 103,727
Total Equity Capital:..................................... 15,278
Total Liabilities and Capital:....................... 119,005
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 N. Smith
Branches in Town: One
Other Branches:
Arkansas City, Tillar,
Watson

The Union Bank of Mena
Mena, AR
VOICE: (479) 394-2211
FAX: (479) 394-8901
Population: 5,637

303 Hwy. 71 North
Charter Number: 667
P. O. Box 898
Date: July 25, 1934
71953-0898
County: Polk
Home Page: www.unionbankofmena.com
Trust Powers: No
Bank Holding Company
Union Bankshares, Inc., Mena, AR
Chm: Edward W. Stevenson
SVP: Jesse Sullivan
CEO/Pres: Philip B. Hensley
SVP/CFO: Michael Myers
Cash and Due from:....................................... 3,686
Federal Funds and Repos: ................................... 0
Investments:................................................. 36,958
Net Loans:.................................................... 96,108
Premises and Fixed Assets: .......................... 4,859
Other Real Estate: ................................................ 7
Other Assets: ................................................. 4,376
Total Assets: .............................................. 145,994
Total Trust Assets: ................................................ 0

Deposits: .................................................... 123,128
Federal Funds and Borrowings:..................... 7,988
Other Liabilities: ................................................ 507
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 131,623
Total Equity Capital:..................................... 14,371
Total Liabilities and Capital:....................... 145,994
Number of Shares Outstanding: .................. 12,000

Directors: Robert A. Carver; John A. Crawford; R. L. Hamilton; Philip B. Hensley; David
Maddox; Pauline Morrow; Edward W. Stevenson; Bill L. Wood
Branches in Town: None
Other Branches: Hatfield, Wickes

Arkansas State Bank Department

74

Commercial Bank & Trust Company
Monticello, AR
VOICE: (870) 367-6221
FAX: (870) 367-7700
Population: 9,146

212 West Gaines Street
Charter Number: 396
P. O. Box 150
Date: November 29, 1912
71657-0150
County: Drew
Home Page: www.commercial-bank.net
Trust Powers: Yes
Bank Holding Company
Drew Bancshares, Inc., Monticello, AR
Chm: Bennie F. Ryburn, Jr.
SVP: Michael Efird
Pres/COO: George T. Harris
SVP/TO: Rusty Smith
Cash and Due from:....................................... 7,106
Federal Funds and Repos: ................................... 0
Investments: ................................................ 50,751
Net Loans: ................................................. 100,516
Premises and Fixed Assets: .......................... 2,064
Other Real Estate: ............................................ 831
Other Assets: ................................................. 3,193
Total Assets: .............................................. 164,461
Total Trust Assets:....................................... 11,896

Deposits:.................................................... 147,180
Federal Funds and Borrowings: ....................... 463
Other Liabilities:............................................. 1,181
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 148,824
Total Equity Capital: .................................... 15,637
Total Liabilities and Capital:....................... 164,461
Number of Shares Outstanding: .................... 8,000

Directors: Joe Brannen; James H. Burks; C. C. Gibson, III; Reginald Glover; George T.
Harris; R. D. Jones, Jr.; Wayne L. Owen, Jr.; Bennie Ryburn, III; Bennie F. Ryburn, Jr.; Kim
Ward
Branches in Town: Three
Other Branches: None

Union Bank And Trust Company
Monticello, AR
VOICE: (870) 460-6400
FAX: (870) 460-6465
Population: 9,146

102 West McCloy
Charter Number: 448
P. O. Box 270
Date: September 15, 1915
71657-0270
County: Drew
Home Page: www.unionbnk.com
Trust Powers: Yes
Bank Holding Company
First Union Financial Corporation, Monticello, AR
Chm/CEO/Pres: Zach McClendon, Jr.
TO: Gail Hooker
SVP/Cash: Reathel Harris
Cash and Due from:....................................... 5,811
Federal Funds and Repos: ................................... 0
Investments: ................................................ 36,997
Net Loans: ................................................. 142,817
Premises and Fixed Assets: .......................... 5,931
Other Real Estate: ............................................ 309
Other Assets: ................................................. 7,951
Total Assets: .............................................. 199,816
Total Trust Assets:....................................... 15,066

Deposits:.................................................... 169,164
Federal Funds and Borrowings: .................. 12,554
Other Liabilities:................................................ 974
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 182,692
Total Equity Capital: .................................... 17,124
Total Liabilities and Capital:....................... 199,816
Number of Shares Outstanding: .................. 80,000

Directors: William K. Ball; Ted Carmical; Frank Carson, Jr.; Jonathan H. Davis; Charles F.
Dearman, Jr.; Robert Dale Handly, Sr.; Charles E. Jackson; John Lipton; John S.
McClendon; Robin McClendon; Zach McClendon, Jr.; Wells Moffatt; John Porter Price;
Richard Reinhart; David E. Wilkins
Branches in Town: Two
Other Branches: Dumas, Warren, Wilmar

Ninety-First Report

75

Petit Jean State Bank
Morrilton, AR
VOICE: (501) 354-4988
FAX: (501) 354-6560
Population: 6,550

707 North Saint Joseph Street
Charter Number: 777
P. O. Box 680
Date: January 27, 1999
72110
County: Conway
Home Page: www.pjsb.com
Trust Powers: No
Bank Holding Company
Petit Jean Bancshares, Inc., Morrilton, AR
Chm/Pres: Charles S. Penick
EVP: Suzanne Hartman
EVP: Paul Edenfield
Cash and Due from:....................................... 2,836
Federal Funds and Repos: ................................. 20
Investments:................................................. 13,201
Net Loans:.................................................... 74,324
Premises and Fixed Assets: ............................. 868
Other Real Estate: ............................................ 902
Other Assets: ................................................. 3,250
Total Assets: ................................................ 95,401
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 81,977
Federal Funds and Borrowings:..................... 2,658
Other Liabilities: ................................................ 294
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 84,929
Total Equity Capital:..................................... 10,472
Total Liabilities and Capital:......................... 95,401
Number of Shares Outstanding: .................. 50,000

Directors: W. O. Byrd; Hall M. Calhoun, III; Katherine Foust; Michael D. Koone; Bruce M.
Netherton; Charles Ormond; Charles S. Penick; Larry Wayne Smith; Stanton C. Willis
Branches in Town: None
Other Branches: None

First Security Bank of Mountain Home
Mountain Home, AR
VOICE: (870) 425-2166
FAX: (870) 424-4353
Population: 11,012

Chm: Reynie Rutledge
CEO: Larry G. Nelson

Ninth and Baker Streets
Charter Number: 147
P. O. Box 1906
Date: August 10, 1906
72654-1906
County: Baxter
Home Page: www.fsbmtnhome.com
Trust Powers: Yes
Bank Holding Company
First Security Bancorp, Searcy, AR
Pres: Tim Coleman
TO: Paul E. Johnson

Cash and Due from:....................................... 5,855
Federal Funds and Repos: ............................ 4,075
Investments:............................................... 127,420
Net Loans:.................................................. 143,114
Premises and Fixed Assets: .......................... 4,180
Other Real Estate: ............................................ 763
Other Assets: ................................................. 4,543
Total Assets: .............................................. 289,950
Total Trust Assets: ....................................... 57,739

Deposits: .................................................... 246,623
Federal Funds and Borrowings:................... 18,644
Other Liabilities: ............................................. 1,348
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 266,615
Total Equity Capital:..................................... 23,335
Total Liabilities and Capital:....................... 289,950
Number of Shares Outstanding: ................ 110,000

Directors: Tim Coleman; James Faulkner; D. Eugene Fortson; Donald T. Jack, Jr.; James
E. Lindsey; Larry G. Nelson; Reynie Rutledge; W. M. Thompson
Branches in Town: Three
Other Branches: Bull Shoals, Gassville

76

Arkansas State Bank Department

Bank of Mountain View
Mountain View, AR
VOICE: (870) 269-3815
FAX: (870) 269-2899
Population: 2,876

121 East Main Street
Charter Number: 446
P. O. Box 1228
Date: July 21, 1915
72560-1228
County: Stone
Trust Powers: No
Bank Holding Company
Mountain View Bancshares, Inc., Mountain View, AR
Pres: James G. Hinkle
VP/Cash: Ron Sims
EVP: Weldon Duncan
Sec: Kenneth Sutton
Cash and Due from:....................................... 2,891
Federal Funds and Repos: ............................ 8,775
Investments: .............................................. 101,934
Net Loans: ................................................... 70,295
Premises and Fixed Assets: .......................... 1,932
Other Real Estate: ................................................ 0
Other Assets: ................................................. 2,114
Total Assets: .............................................. 187,941
Total Trust Assets:................................................ 0

Deposits:.................................................... 158,352
Federal Funds and Borrowings: ....................... 906
Other Liabilities:................................................ 458
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 159,716
Total Equity Capital: .................................... 28,225
Total Liabilities and Capital:....................... 187,941
Number of Shares Outstanding: .................... 4,000

Directors: James G. Hinkle; Kay Hinkle; Janice Sutton; Kenneth Sutton
Branches in Town: One
Other Branches: None

Allied Bank
Mulberry, AR
VOICE: (479) 997-1154
FAX: (479) 997-1161
Population: 1,627

311 Main Street
Charter Number: 81
P. O. Drawer A
Date: January 15, 1902
72947-0480
County: Crawford
Trust Powers: No
Member of Federal Reserve System
Bank Holding Company
Acme Holding Company, Inc., Mulberry, AR
Chm/ Pres/COO: Alex Golden
SVP/Cash: Dianna J. Millsap
CEO: Lex Golden
Cash and Due from:....................................... 2,953
Federal Funds and Repos: ................................... 0
Investments: ................................................ 39,335
Net Loans: ................................................... 74,778
Premises and Fixed Assets: .......................... 3,572
Other Real Estate: ............................................ 104
Other Assets: ................................................. 6,130
Total Assets: .............................................. 126,872
Total Trust Assets:................................................ 0

Deposits:.................................................... 112,327
Federal Funds and Borrowings: .................... 2,273
Other Liabilities:................................................ 305
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 114,905
Total Equity Capital: .................................... 11,967
Total Liabilities and Capital:....................... 126,872
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,
Mansfield, Ozark

Ninety-First Report

77

Diamond State Bank
Murfreesboro, AR
VOICE: (870) 285-2172
FAX: (870) 285-2755
Population: 1,764

319 East Main
Charter Number: 175
P. O. Box 279
Date: December 19, 1904
71958-0279
County: Pike
Home Page: www.diamondstatebank.com
Trust Powers: No
Bank Holding Company
Bainum Bancorp II, Glenwood, AR
Chm: Duke Bainum
Cash: Brenda Roberts
CEO/Pres: John A. Ross
Cash and Due from:....................................... 7,672
Federal Funds and Repos: ............................ 1,240
Investments:................................................. 65,015
Net Loans:.................................................. 124,167
Premises and Fixed Assets: .......................... 4,056
Other Real Estate: ............................................ 315
Other Assets: ................................................. 4,095
Total Assets: .............................................. 206,560
Total Trust Assets: ................................................ 0

Deposits: .................................................... 179,760
Federal Funds and Borrowings:..................... 9,675
Other Liabilities: ................................................ 736
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 190,171
Total Equity Capital:..................................... 16,389
Total Liabilities and Capital:....................... 206,560
Number of Shares Outstanding: .................. 10,296

Directors: Tim Brotherton; Duke Bainum; Evea Bainum; Timothy Bainum; Robert Evans;
Mike Moore; John A. Ross; Mark Skelton; Bill Spigner; George E. Steel, Jr.; George E. Steel,
Sr.; Raymond Walls
Branches in Town: None
Other Branches: DeQueen, Dierks, Hope,
Mineral Springs, Nashville

Merchants & Planters Bank
Newport, AR
VOICE: (870) 523-3601
FAX: (870) 523-3473
Population: 7,811

120 Hazel
Charter Number: 694
P. O. Box 650
Date: March 20, 1946
72112-0650
County: Jackson
Home Page: www.mandpbank.com
Trust Powers: Yes
Bank Holding Company
M & P Community Bancshares, Inc., Newport, AR
Chm/TO: Jim S. Gowen, Sr.
SVP: Carla P. Stiger
CEO/Pres: Jim S. Gowen, Jr.
SVP/Cash: Patricia Davis
Cash and Due from:....................................... 8,942
Federal Funds and Repos: ................................... 0
Investments:................................................. 49,001
Net Loans:.................................................... 77,178
Premises and Fixed Assets: .......................... 6,782
Other Real Estate: .............................................. 79
Other Assets: ................................................. 4,143
Total Assets: .............................................. 146,125
Total Trust Assets: ....................................... 11,660

Deposits: .................................................... 124,714
Federal Funds and Borrowings:..................... 7,994
Other Liabilities: ................................................ 872
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 133,580
Total Equity Capital:..................................... 12,545
Total Liabilities and Capital:....................... 146,125
Number of Shares Outstanding: .................... 9,000

Directors: Roger A. Bowman; Thomas R. Curtner; Terry L. Dillon; Jim S. Gowen, Jr.; Jim S.
Gowen, Sr.; Dr. Troy A. Gray; Mary K. Hardin; Gerald A. Saracini; J. Edward Scoggins
Branches in Town: One
Other Branches: Batesville (2), McCrory,
Newark, Pleasant Plains, Tuckerman

78

Arkansas State Bank Department

Twin City Bank
North Little Rock, AR
VOICE: (501) 812-1400
FAX: (501) 812-1459
Population: 60,433

Chm: Richard H. Ashley
CEO/Pres: Bob Birch

2716 Lakewood Village Place
Charter Number: 757
P.O. Box 16270
Date: July 26, 1991
72116
County: Pulaski
Home Page: www.twincitybank.net
Trust Powers: Yes
Bank Holding Company
Home BancShares, Inc., Conway, AR
SVP: Brent Geels
TO: Michael McBryde

Cash and Due from:..................................... 16,323
Federal Funds and Repos: ................................... 0
Investments: .............................................. 282,281
Net Loans: ................................................. 317,709
Premises and Fixed Assets: ........................ 15,785
Other Real Estate: ................................................ 0
Other Assets: ............................................... 12,065
Total Assets: .............................................. 644,163
Total Trust Assets:................................................ 0

Deposits:.................................................... 489,651
Federal Funds and Borrowings: .................. 96,408
Other Liabilities:............................................. 3,085
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 589,144
Total Equity Capital: .................................... 55,019
Total Liabilities and Capital:....................... 644,163
Number of Shares Outstanding: .................. 17,000

Directors: John W. Allison; W. W. Arnold, Jr.; Richard H. Ashley; John Bailey; Bob Birch;
Dale Bruns; Sharon Davis; Agustin Fernandez; Barbara McDaniel Graves; Stuart W.
Hankins; Johnny Heflin, Jr.; Herren Hickingbotham; James Kincannon; Don L. Lindsey, Sr.;
Larry Ross; Bob Russell; Mary Anne Salmon; Robert Shell; Ron Strother
Branches in Town: Four
Other Branches: Little Rock (8), Maumelle,
Sherwood (2)

Southern Bank of Commerce
Paragould, AR
VOICE: (870) 236-2500
1727 West Kingshighway
Charter Number: 781
FAX: (870) 236-7283
P. O. Box 1605
Date: November 4, 1999
Population: 22,017
72450
County: Greene
Home Page: www.southernbank-of-commerce.com
Trust Powers: Yes
Member of Federal Reserve System
Bank Holding Company
None
Chm: Louise Miller
SVP: Donna Miller
CEO/Pres: Greg Miller
SVP: John Steele
Cash and Due from:....................................... 2,604
Federal Funds and Repos: ............................... 340
Investments: .................................................. 1,073
Net Loans: ................................................... 29,069
Premises and Fixed Assets: .......................... 1,565
Other Real Estate: ............................................ 162
Other Assets: .................................................... 782
Total Assets: ................................................ 35,595
Total Trust Assets:................................................ 0

Deposits:...................................................... 30,849
Federal Funds and Borrowings: ........................... 0
Other Liabilities:................................................ 225
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 31,074
Total Equity Capital: ...................................... 4,521
Total Liabilities and Capital:......................... 35,595
Number of Shares Outstanding: ............. 3,811,574

Directors: Dr. Asa A. Crow; Howard Eldridge; David Holbrook; Donna Miller; Greg Miller;
Louise Miller; Donald Parker
Branches in Town: None
Other Branches: Brookland, Jonesboro,
Leachville

Ninety-First Report

79

Delta Trust & Bank
Parkdale, AR
VOICE: (870) 473-2217
FAX: (870) 473-2492
Population: 377

1853 Highway 165 South
Charter Number: 141
P. O. Box 37
Date: February 1, 1910
71661-0037
County: Ashley
Home Page: www.delta-trust.com
Trust Powers: Yes
Bank Holding Company
Delta Trust & Banking Corporation, Little Rock, AR
Chm: Dewayne Haynes
Pres/COO: Carroll Penick
VChm/CEO: J. French Hill
SVP/TO: Jim Shenep
Cash and Due from:....................................... 9,328
Federal Funds and Repos: ................................... 0
Investments:................................................. 26,957
Net Loans:.................................................. 164,996
Premises and Fixed Assets: .......................... 5,299
Other Real Estate: ......................................... 1,244
Other Assets: ................................................. 3,900
Total Assets: .............................................. 211,724
Total Trust Assets: ..................................... 188,213

Deposits: .................................................... 180,370
Federal Funds and Borrowings:................... 13,493
Other Liabilities: ................................................ 321
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 194,253
Total Equity Capital:..................................... 17,471
Total Liabilities and Capital:....................... 211,724
Number of Shares Outstanding: .................. 16,000

Directors: Carl John Bierbaum; Dewayne Haynes; J. French Hill; Michael Montgomery;
Carroll Penick; George L. Pugh; Leyden Pugh; Thomas R. Pugh, Jr.; Thomas R. Pugh, Sr.;
Neill Sloan; Philip A. Tappan
Branches in Town: None
Other Branches:
Bella Vista, Eudora,
Gravette, Hamburg, Little Rock (3), Wilmot

First State Bank
Parkin, AR
VOICE: (870) 755-5401
FAX: (870) 755-5648
Population: 1,602

Chm: William N. Griffin
CEO: Frankie L. Pratt

123 West Parkin
Charter Number: 568
P. O. Box 526
Date: June 5, 1925
72373-0526
County: Cross
Trust Powers: No
Bank Holding Company
Parkin Bancorp, Inc., Parkin, AR
Pres: John Cooper
SVP/Cash: Brenda F. Williams

Cash and Due from:.......................................... 983
Federal Funds and Repos: ............................ 1,950
Investments:................................................... 8,290
Net Loans:.................................................... 10,080
Premises and Fixed Assets: ............................. 122
Other Real Estate: ............................................ 110
Other Assets: .................................................... 417
Total Assets: ................................................ 21,952
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 17,331
Federal Funds and Borrowings:..................... 2,000
Other Liabilities: ................................................ 100
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 19,431
Total Equity Capital:....................................... 2,521
Total Liabilities and Capital:......................... 21,952
Number of Shares Outstanding: .................... 4,000

Directors: Mark Baioni; Fred E. Brenner, Jr.; John A. Brenner; John A. Brenner, Jr.;
Raymond S. Clift; John S. Cooper; Elizabeth N. Griffin; Neil Griffin; Russell H. Griffin; William
N. Griffin; William N. Griffin, Jr.; Frankie L. Pratt
Branches in Town: None
Other Branches: West Memphis

80

Arkansas State Bank Department

Chart Bank
Perryville, AR
VOICE: (501) 889-2318
FAX: (501) 889-5727
Population: 1,458

813 North Fourche Avenue
Charter Number: 690
P. O. Box 189
Date: December 8, 1945
72126-0189
County: Perry
Home Page: www.mychartbank.com
Trust Powers: No
Bank Holding Company
Perry County Bancshares, Inc., Perryville, AR
Chm/Sec: Robert M. Hill
CFO: Ken Jennings
CEO/Pres: Robert Gregory Connell
EVP: Joe Carter
Cash and Due from:....................................... 2,595
Federal Funds and Repos: ................................. 25
Investments: ................................................ 38,586
Net Loans: ................................................... 67,646
Premises and Fixed Assets: .......................... 3,654
Other Real Estate: ............................................ 107
Other Assets: ................................................. 3,813
Total Assets: .............................................. 116,426
Total Trust Assets:................................................ 0

Deposits:...................................................... 89,063
Federal Funds and Borrowings: .................. 13,915
Other Liabilities:................................................ 449
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 103,427
Total Equity Capital: .................................... 12,999
Total Liabilities and Capital:....................... 116,426
Number of Shares Outstanding: .................. 16,000

Directors: Billie Jo Branscum; Herby Branscum, Jr.; James S. Branscum; Robert G.
Connell; Lee A. Gibbons; Robert M. Hill; Shirley Hill; J. Baylor House; Jim Rankin; Kayla
Rives; Charles V. Roland, Sr.
Branches in Town: None
Other Branches: Bigelow, Morrilton

Piggott State Bank
Piggott, AR
VOICE: (870) 598-3802
FAX: (870) 598-2026
Population: 3,894

212 West Cherry
Charter Number: 613
P. O. Box 307
Date: March 10, 1930
72454-0307
County: Clay
Home Page: www.piggottstatebank.com
Trust Powers: No
Bank Holding Company
Piggott Bankstock, Inc., Piggott, AR
Chm/CEO/Pres: Paula O. Blackwell
VP/Cash: James C. Poole
VP: Debra A. Mills
Cash and Due from:....................................... 4,350
Federal Funds and Repos: ............................ 2,900
Investments: ................................................ 24,463
Net Loans: ................................................... 30,571
Premises and Fixed Assets: ............................. 788
Other Real Estate: .............................................. 84
Other Assets: .................................................... 606
Total Assets: ................................................ 63,762
Total Trust Assets:................................................ 0

Deposits:...................................................... 57,412
Federal Funds and Borrowings: ........................... 0
Other Liabilities:................................................ 426
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 57,838
Total Equity Capital: ...................................... 5,924
Total Liabilities and Capital:......................... 63,762
Number of Shares Outstanding: .................... 4,000

Directors: Steve Bell; Paula O. Blackwell; James C. Poole
Branches in Town: One
Other Branches: None

Ninety-First Report

81

Home Bank of Arkansas
Portland, AR
VOICE: (870) 737-2236
FAX: (870) 737-2816
Population: 552

113 Hwy 165 South
Charter Number: 251
P. O. Box 178
Date: January 22, 1908
71663-0178
County: Ashley
Trust Powers: No
Bank Holding Company
Peoples Home Holding, Inc., Greenbrier, AR
Chm/CEO/Pres: John Stacks
VP: Treva Branscum
CFO/VP: Bill Hannah
VP: Terry Milam
Cash and Due from:.......................................... 974
Federal Funds and Repos: ............................ 1,730
Investments:................................................... 3,364
Net Loans:.................................................... 31,497
Premises and Fixed Assets: .......................... 1,262
Other Real Estate: ................................................ 0
Other Assets: .................................................... 381
Total Assets: ................................................ 39,208
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 35,588
Federal Funds and Borrowings:............................ 0
Other Liabilities: ................................................ 114
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 35,702
Total Equity Capital:....................................... 3,506
Total Liabilities and Capital:......................... 39,208
Number of Shares Outstanding: .................... 4,000

Directors: Joe Benton, III; Jerold Brock; James Dee Fiser; Bill Hannah; Terry Milam; Roy
Montgomery; John Stacks; Jack Treat
Branches in Town: None
Other Branches: Damascus, Greenbrier,
Marshall

Bank of Prescott
Prescott, AR
VOICE: (870) 887-2688
FAX: (870) 887-6822
Population: 3,686

East Second at Main
Charter Number: 162
P.O. Drawer 490
Date: August 10, 1904
71857-0490
County: Nevada
Home Page: www.bankofprescott.com
Trust Powers: Yes
Bank Holding Company
Prescott Bancshares, Inc., Prescott, AR
Chm: John Warren Brannan, Sr.
EVP: James E. Franks
CEO/Pres: John Warren Brannan, Jr.
Treas/Sec: Karen McLelland
Cash and Due from:....................................... 2,892
Federal Funds and Repos: ............................... 370
Investments:................................................. 32,159
Net Loans:.................................................... 31,781
Premises and Fixed Assets: ............................. 433
Other Real Estate: ................................................ 0
Other Assets: ................................................. 1,520
Total Assets: ................................................ 69,155
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 60,218
Federal Funds and Borrowings:........................ 431
Other Liabilities: ................................................ 118
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 60,767
Total Equity Capital:....................................... 8,388
Total Liabilities and Capital:......................... 69,155
Number of Shares Outstanding: .................. 24,000

Directors: John Warren Brannan, Sr.; John Warren Brannan, Jr.; Brad Crain; Carl
Dalrymple, Jr.; James E. Franks; Billy Hines; Phillip McAdams; Larry Rhodes; Robert Smith;
John Vansickle
Branches in Town: None
Other Branches: None

82

Arkansas State Bank Department

The Bank of Rison
Rison, AR
VOICE: (870) 325-6251
FAX: (870) 325-7661
Population: 1,271

Chm: James L. Moore, Jr.
CEO/Pres: James R. Hopson

200 Main Street
Charter Number: 650
P. O. Box 345
Date: March 7, 1932
71665-0345
County: Cleveland
Trust Powers: No
Bank Holding Company
None
VP: Cliff Hopson
VP/Cash: Judy Thompson

Cash and Due from:....................................... 2,781
Federal Funds and Repos: ............................ 2,140
Investments: .................................................. 9,373
Net Loans: ................................................... 12,078
Premises and Fixed Assets: ............................. 146
Other Real Estate: .............................................. 72
Other Assets: ................................................. 1,092
Total Assets: ................................................ 27,682
Total Trust Assets:................................................ 0

Deposits:...................................................... 23,266
Federal Funds and Borrowings: ........................... 0
Other Liabilities:.................................................. 46
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 23,312
Total Equity Capital: ...................................... 4,370
Total Liabilities and Capital:......................... 27,682
Number of Shares Outstanding: .................... 4,000

Directors: John W. Elrod; James R. Hopson; Ray B. Martin; James L. Moore, III; James L.
Moore, Jr.; Lee Moore
Branches in Town: None
Other Branches: None

Bank of Rogers
Rogers, AR
VOICE: (479) 621-6800
FAX: (479) 621-6801
Population: 38,829

801 North Dixieland
Charter Number: 765
P. O. Box 699
Date: October 26, 1995
72757-0699
County: Benton
Home Page: www.bankrogers.com
Trust Powers: No
Member of Federal Reserve System
Bank Holding Company
First Bank Corp., Fort Smith, AR
Chm/CEO: Dick McLelland
EVP: Scott Franklin
Pres: Guy J. Cable
Cash and Due from:....................................... 4,152
Federal Funds and Repos: ............................ 5,355
Investments: ................................................ 12,055
Net Loans: ................................................... 97,442
Premises and Fixed Assets: .......................... 6,689
Other Real Estate: ............................................ 304
Other Assets: ............................................... 21,604
Total Assets: .............................................. 147,601
Total Trust Assets:................................................ 0

Deposits:.................................................... 110,485
Federal Funds and Borrowings: .................... 7,600
Other Liabilities:............................................. 1,984
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 120,069
Total Equity Capital: .................................... 27,532
Total Liabilities and Capital:....................... 147,601
Number of Shares Outstanding: .................. 32,150

Directors: Guy J. Cable; Scott Franklin; Roland Julian; Dick McLelland; Virginia Mocivnik;
Jerry Pittman; Kent Rylee; Sam Sicard; Tony Steele; David Swearingen; Jim Williamson;
Lewis D. Yarborough
Branches in Town: One
Other Branches: Centerton, Lowell

Ninety-First Report

83

Parkway Bank
Rogers, AR
VOICE: (479) 464-9797
FAX: (479) 464-9796
Population: 38,829

5500 Walsh Lane, Suite 100
72758

Charter Number: 57
Date: April 23, 1900
County: Benton

Home Page: www.parkway-bank.com
Trust Powers: No
Bank Holding Company
Parkway Bankshares, Inc., Portland, AR
Chm/CEO: Jerry Sadler
Reg Pres: Chris Lampkin
Reg Pres: Jerry Carmichael
Cash and Due from:....................................... 6,793
Federal Funds and Repos: ............................... 810
Investments:................................................. 18,103
Net Loans:.................................................... 81,444
Premises and Fixed Assets: .......................... 2,661
Other Real Estate: ............................................ 129
Other Assets: ................................................. 1,180
Total Assets: .............................................. 111,120
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 95,405
Federal Funds and Borrowings:..................... 4,330
Other Liabilities: ................................................ 528
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 100,263
Total Equity Capital:..................................... 10,857
Total Liabilities and Capital:....................... 111,120
Number of Shares Outstanding: .................. 20,000

Directors: Mack Borgognoni; C. E. Bridewell; Jerry Carmichael; Chris Lampkin; Benton
Newcome; Joel Newcome; Robert D. Pugh; Jerry Sadler; Eddie Scherm
Branches in Town: None
Other Branches: Crossett, Monticello (2),
Portland

Simmons First Bank of Northwest Arkansas
Rogers, AR
VOICE: (479) 636-0884
FAX: (479) 636-7819
Population: 38,829

111 North 8th Street
Charter Number: 672
P. O. Box 1803
Date: July 8, 1935
72756
County: Benton
Home Page: www.simmonsfirst.com
Trust Powers: Yes
Bank Holding Company
Simmons First National Corporation, Pine Bluff, AR
CEO/Pres: Thomas W. Spillyards
SVP: Gail Jordan
EVP: Dennis Ferguson
VP/Cash: Darlene Cheatham
Cash and Due from:....................................... 6,506
Federal Funds and Repos: ................................... 0
Investments:................................................. 45,881
Net Loans:.................................................. 184,308
Premises and Fixed Assets: .......................... 7,183
Other Real Estate: .............................................. 81
Other Assets: ............................................... 11,412
Total Assets: .............................................. 255,371
Total Trust Assets: ................................................ 0

Deposits: .................................................... 218,260
Federal Funds and Borrowings:................... 11,835
Other Liabilities: ............................................. 1,436
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 231,531
Total Equity Capital:..................................... 23,840
Total Liabilities and Capital:....................... 255,371
Number of Shares Outstanding: .................. 18,000

Directors: Dennis Ferguson; Ray Hobbs; Craig Hunt; Eric Pianalto; Thomas W. Spillyards;
Jim Tull; Sonya Yates
Branches in Town: One
Other Branches: Bella Vista, Fayetteville
(2), Lincoln, Prairie Grove, Siloam Springs,
Springdale (2)

84

Arkansas State Bank Department

First Arkansas Valley Bank
Russellville, AR
VOICE: (479) 967-2151
FAX: (479) 967-1456
Population: 23,682

401 North Arkansas Avenue
Charter Number: 714
P. O. Box 4026
Date: August 29, 1961
72811
County: Pope
Home Page: www.firstarkansas.com
Trust Powers: Yes
Bank Holding Company
Russellville Bancshares, Inc., Jonesboro, AR
Chm/CEO: Roy A. Reaves
Reg Pres: Charles H. Green
Pres: Benny R. Harris
VP/TO: Ellen Tarkington
Cash and Due from:..................................... 13,093
Federal Funds and Repos: ............................ 5,845
Investments: .............................................. 127,275
Net Loans: ................................................. 343,954
Premises and Fixed Assets: ........................ 11,525
Other Real Estate: ............................................ 470
Other Assets: ............................................... 22,153
Total Assets: .............................................. 524,315
Total Trust Assets:....................................... 21,638

Deposits:.................................................... 377,501
Federal Funds and Borrowings: .................. 94,638
Other Liabilities:............................................. 2,489
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 474,628
Total Equity Capital: .................................... 49,687
Total Liabilities and Capital:....................... 524,315
Number of Shares Outstanding: ................ 142,386

Directors: Kent Dollar; Luke Duffield; Dain Duvall; Mark Fowler; Wallace W. Fowler; Nathan
V. George; Charles H. Green; Benny R. Harris; Don Helms; Lloyd H. McCracken, Jr.; Carl
Rackley; Roy A. Reaves; Donald C. Riley; Michael Warren
Branches in Town: Three
Other Branches:
Atkins, Clarksville,
Dardanelle (2), Morrilton, Pottsville, Searcy
(3)

First State Bank
Russellville, AR
VOICE: (479) 498-2400
FAX: (479) 498-2465
Population: 23,682

3103 East Main
Charter Number: 663
P. O. Box 10610
Date: January 12, 1934
72812
County: Pope
Home Page: www.fsbmybank.com
Trust Powers: No
Bank Holding Company
First State Banking Corporation, Russellville, AR
Chm/CEO: Charles Blanchard
EVP: Toni B. Laws
Pres: Johnny K. Morgan
EVP: Max Mathis
Cash and Due from:....................................... 3,367
Federal Funds and Repos: ................................... 0
Investments: .............................................. 150,339
Net Loans: ................................................... 99,207
Premises and Fixed Assets: .......................... 2,894
Other Real Estate: ............................................ 238
Other Assets: ................................................. 7,990
Total Assets: .............................................. 264,035
Total Trust Assets:................................................ 0

Deposits:.................................................... 203,006
Federal Funds and Borrowings: .................. 41,883
Other Liabilities:................................................ 689
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 245,578
Total Equity Capital: .................................... 18,457
Total Liabilities and Capital:....................... 264,035
Number of Shares Outstanding: .................. 20,000

Directors: James Biggers; Charles Blanchard; William H. Bowen; Terry Freeman; Don C.
Guess; Maxie L. Mathis, III; Mike Miller; Johnny K. Morgan; George Tippin; C. Tim White;
Robert M. Wilson; Phil Wright
Branches in Town: Three
Other Branches: Ola, Plainview

Ninety-First Report

85

Simmons First Bank of Russellville
Russellville, AR
VOICE: (479) 967-8000
FAX: (479) 968-6491
Population: 23,682

800 North Arkansas Avenue
Charter Number: 192
P. O. Box 3010
Date: September 29, 1905
72811-3010
County: Pope
Home Page: www.simmonsfirst.com
Trust Powers: Yes
Member of Federal Reserve System
Bank Holding Company
Simmons First National Corporation, Pine Bluff, AR
Chm/CEO/Pres: Ronald B. Jackson
EVP: Scott Hill
Reg Pres: Denton Tumbleson
Cash and Due from:....................................... 8,467
Federal Funds and Repos: ............................ 1,000
Investments:................................................. 32,871
Net Loans:.................................................. 127,294
Premises and Fixed Assets: .......................... 5,914
Other Real Estate: ............................................ 563
Other Assets: ............................................... 22,267
Total Assets: .............................................. 198,376
Total Trust Assets: ................................................ 0

Deposits: .................................................... 150,708
Federal Funds and Borrowings:..................... 9,918
Other Liabilities: ............................................. 1,796
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 162,422
Total Equity Capital:..................................... 35,954
Total Liabilities and Capital:....................... 198,376
Number of Shares Outstanding: .................. 10,000

Directors: Leon Anderson; Terry Bowie; Dr. Charles Boyce; Keith Cogswell; Ronald B.
Jackson; Ike Allen Laws, III; Ed R. Stingley, III; Harve Taylor; Gene Thomason
Branches in Town: Three
Other Branches: Clarksville (2), Hector

Bank of Salem
Salem, AR
VOICE: (870) 895-2591
FAX: (870) 895-3825
Population: 1,591

207 West Church Street
Charter Number: 266
P. O. Box 338
Date: December 9, 1908
72576-0338
County: Fulton
Home Page: www.bksalem.net
Trust Powers: No
Bank Holding Company
Smith Associated Banking Corporation, Hot Springs, AR
Chm: Richard T. Smith
Cash: Teresa Wray
CEO/Pres: Mark Montgomery
Cash and Due from:....................................... 2,212
Federal Funds and Repos: ............................ 2,649
Investments:................................................. 13,111
Net Loans:.................................................... 82,915
Premises and Fixed Assets: .......................... 2,025
Other Real Estate: ............................................ 307
Other Assets: ................................................. 4,064
Total Assets: .............................................. 107,283
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 93,481
Federal Funds and Borrowings:..................... 2,168
Other Liabilities: ............................................. 1,220
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 96,869
Total Equity Capital:..................................... 10,414
Total Liabilities and Capital:....................... 107,283
Number of Shares Outstanding: .................. 20,000

Directors: D. Karrol Fowlkes; Mark Montgomery; Marvin Newton; C. Dwayne Plumlee; Guy
R. "Buck" Smith; Richard T. Smith
Branches in Town: None
Other Branches: Mammoth Spring, Viola

86

Arkansas State Bank Department

Logan County Bank
Scranton, AR
VOICE: (479) 938-2511
FAX: (479) 938-7084
Population: 222

Chm/CEO/Pres: Joe Fritsche
VP: Jerry L. Davis

600 Main Street
P. O. Box 85
72863-0085
Trust Powers: No
Bank Holding Company
None
VP: Gary Fritsche
Cash: Don Fritsche

Cash and Due from:....................................... 2,487
Federal Funds and Repos: ............................ 1,380
Investments: ................................................ 31,264
Net Loans: ................................................... 20,477
Premises and Fixed Assets: ............................. 433
Other Real Estate: ................................................ 0
Other Assets: .................................................... 555
Total Assets: ................................................ 56,596
Total Trust Assets:................................................ 0

Charter Number: 578
Date: April 7, 1926
County: Logan

Deposits:...................................................... 47,159
Federal Funds and Borrowings: ........................... 0
Other Liabilities:................................................ 154
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 47,313
Total Equity Capital: ...................................... 9,283
Total Liabilities and Capital:......................... 56,596
Number of Shares Outstanding: .................... 4,000

Directors: Margaret Ahne; Gary Fritsche; Joe Fritsche; Mildred Fritsche; Regina M. Layes
Branches in Town: None
Other Branches: Subiaco

First Security Bank
Searcy, AR
VOICE: (501) 279-3400
FAX: (501) 279-3486
Population: 18,928

314 North Spring
P. O. Box 1009
72145-1009
Home Page: www.firstsecuritybank.org
Trust Powers: Yes
Bank Holding Company
First Security Bancorp, Searcy, AR
Chm/CEO: Reynie Rutledge
TO: Frank Faust
Pres: James G. Wilson
Cash and Due from:..................................... 42,194
Federal Funds and Repos: ............................ 1,068
Investments: .............................................. 275,865
Net Loans: ................................................. 800,806
Premises and Fixed Assets: ........................ 34,168
Other Real Estate: ......................................... 1,718
Other Assets: ............................................... 42,380
Total Assets: ........................................... 1,198,199
Total Trust Assets:..................................... 234,331

Charter Number: 649
Date: February 6, 1932
County: White

Deposits:................................................. 1,042,654
Federal Funds and Borrowings: .................. 44,462
Other Liabilities:............................................. 3,648
Subordinated Debt:............................................... 0
Total Liabilities:....................................... 1,090,764
Total Equity Capital: .................................. 107,435
Total Liabilities and Capital:.................... 1,198,199
Number of Shares Outstanding: .................. 24,000

Directors: Dr. David Burks; Larry Crain; Steve Lightle; John McKnight; Wayne Ridout; Dr.
Porter R. Rodgers, Jr.; Reynie Rutledge; Jim Tarkington; James G. Wilson; E. D. Yancey
Branches in Town: Four
Other Branches: Beebe (2), Bella Vista,
Cabot (2), Fayetteville (4), Griffithville, Heber
Springs (2), Judsonia, Little Rock (2), Lowell,
McRae, Pangburn, Rogers (3), Springdale
(5)

Ninety-First Report

87

Simmons First Bank of Searcy
Searcy, AR
VOICE: (501) 268-7575
FAX: (501) 268-1551
Population: 18,928

401 South Main
Charter Number: 528
P. O. Box 1349
Date: February 17, 1922
72145-1349
County: White
Home Page: www.Simmonsfirst.com
Trust Powers: No
Member of Federal Reserve System
Bank Holding Company
Simmons First National Corporation, Pine Bluff, AR
CEO/Pres: Brooks Davis
SVP/Cash: Chris Rainbolt
EVP: Jerry Morgan
Cash and Due from:....................................... 3,719
Federal Funds and Repos: ................................... 0
Investments:................................................. 23,927
Net Loans:.................................................... 93,228
Premises and Fixed Assets: .......................... 3,914
Other Real Estate: ................................................ 0
Other Assets: ................................................. 8,867
Total Assets: .............................................. 133,655
Total Trust Assets: ................................................ 0

Deposits: .................................................... 100,662
Federal Funds and Borrowings:................... 14,878
Other Liabilities: ................................................ 861
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 116,401
Total Equity Capital:..................................... 17,254
Total Liabilities and Capital:....................... 133,655
Number of Shares Outstanding: .................. 10,000

Directors: Richard Cargile; Brooks Davis; Dennis Donovan; Al Fowler; Joseph Giezeman;
Chris Rainbolt; Glenn Rambin; Robert Underwood
Branches in Town: Two
Other Branches: Kensett

Peoples Bank
Sheridan, AR
VOICE: (870) 942-5707
FAX: (870) 942-2489
Population: 3,872

1120 S. Rock Street
Charter Number: 786
P. O. Box 460
Date: September 11, 2000
72150
County: Grant
Home Page: www.peoplesbankar.com
Trust Powers: No
Bank Holding Company
None
CEO/Pres: John D. Manatt
VP: Noka A. Emerson
SVP: Roy E. Baxley
VP: G. Jannette Jones
Cash and Due from:....................................... 2,358
Federal Funds and Repos: ............................ 6,890
Investments:................................................. 18,724
Net Loans:.................................................... 38,384
Premises and Fixed Assets: .......................... 1,697
Other Real Estate: ................................................ 0
Other Assets: ................................................. 1,686
Total Assets: ................................................ 69,739
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 61,999
Federal Funds and Borrowings:............................ 0
Other Liabilities: ................................................ 241
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 62,240
Total Equity Capital:....................................... 7,499
Total Liabilities and Capital:......................... 69,739
Number of Shares Outstanding: .................. 52,562

Directors: Dannie L. Brown; Donald L. Hedden; Gary D. Hines; Bobby G. Jeffrey; James
W. Lancaster; John D. Manatt; Mary Mel Nixon; Shelby L. Taylor; Alvin L. Upton; David L.
Wells; W. A. Winston
Branches in Town: None
Other Branches: None

88

Arkansas State Bank Department

Liberty Bank of Arkansas
Siloam Springs, AR
VOICE: (479) 524-8101
FAX: (479) 524-3307
Population: 10,843

318 East Main Street
Charter Number: 713
P. O. Box 400
Date: January 12, 1960
72761-0400
County: Benton
Home Page: www.mylibertybank.com
Trust Powers: Yes
Bank Holding Company
Arkansas State Bancshares, Inc., Jonesboro, AR
Chm/CEO: Wallace W. Fowler
EVP/Cash: Beverly Lescard
Pres: Howard Hamilton
TO: Art Morris
Cash and Due from:....................................... 7,837
Federal Funds and Repos: ............................ 7,550
Investments: ................................................ 35,534
Net Loans: ................................................. 159,810
Premises and Fixed Assets: ........................ 15,238
Other Real Estate: ............................................ 210
Other Assets: ............................................... 21,358
Total Assets: .............................................. 247,537
Total Trust Assets:......................................... 4,997

Deposits:.................................................... 199,403
Federal Funds and Borrowings: .................. 15,000
Other Liabilities:................................................ 697
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 215,100
Total Equity Capital: .................................... 32,437
Total Liabilities and Capital:....................... 247,537
Number of Shares Outstanding: .................. 72,000

Directors: Delbert E. Allen, Jr.; Mark P. Fowler; Wallace W. Fowler; Howard Hamilton;
Lloyd McCracken, Jr.; Arthur Morris; Roy Reaves; Mark Simmons
Branches in Town: Two
Other Branches:
Bentonville, Gentry,
Springdale, Tontitown

Smackover State Bank
Smackover, AR
VOICE: (870) 725-3051
FAX: (870) 725-3049
Population: 2,005

708 North Broadway
Charter Number: 600
P. O. Drawer 107
Date: April 18, 1928
71762-0107
County: Union
Trust Powers: Yes
Bank Holding Company
Smackover Bancshares, Inc., Smackover, AR
CEO/Pres: Bob Willett
SVP: James B. Yeager
SVP: J. Drew Tennyson
VP/TO: Vicki Davis
Cash and Due from:....................................... 3,523
Federal Funds and Repos: ................................... 0
Investments: ................................................ 64,054
Net Loans: ................................................... 58,549
Premises and Fixed Assets: .......................... 3,016
Other Real Estate: ............................................ 357
Other Assets: ................................................. 1,373
Total Assets: .............................................. 130,872
Total Trust Assets:......................................... 2,214

Deposits:.................................................... 114,909
Federal Funds and Borrowings: .................... 1,030
Other Liabilities:................................................ 698
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 116,637
Total Equity Capital: .................................... 14,235
Total Liabilities and Capital:....................... 130,872
Number of Shares Outstanding: ................ 100,000

Directors: Gary deYampert; J. Drew Tennyson; James M. Tennyson; John D. Trimble, V;
Bob Willett; James B. Yeager
Branches in Town: None
Other Branches: El Dorado (2), Norphlet

Ninety-First Report

89

Riverside Bank
Sparkman, AR
VOICE: (870) 678-2251
FAX: (870) 678-2401
Population: 586

Commerce & Main Streets
Charter Number: 457
P. O. Box 127
Date: September 19, 1916
71763-0127
County: Dallas
Home Page: www.riversidebanc.com
Trust Powers: No
Bank Holding Company
Riverside Bancshares, Inc., Little Rock, AR
Chm: David Matchet
Pres: Robert G. Dudley, Jr.
CEO: Stephen C. Davis
VP: Kathryn Daniell
Cash and Due from:.......................................... 714
Federal Funds and Repos: ................................... 0
Investments:................................................... 2,825
Net Loans:.................................................... 43,474
Premises and Fixed Assets: ............................. 530
Other Real Estate: ............................................ 171
Other Assets: ................................................. 1,407
Total Assets: ................................................ 49,121
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 37,639
Federal Funds and Borrowings:..................... 7,700
Other Liabilities: ................................................ 210
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 45,549
Total Equity Capital:....................................... 3,572
Total Liabilities and Capital:......................... 49,121
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: None

Bodcaw Bank
Stamps, AR
VOICE: (870) 533-4486
FAX: (870) 533-4456
Population: 2,131

307 Thomas Street
Charter Number: 106
P. O. Box 8
Date: December 8, 1902
71860-0008
County: Lafayette
Trust Powers: No
Bank Holding Company
Bodcaw Bancshares, Inc., Stamps, AR
Chm/Pres: J. Paul Nipper
Cash: Brenda Scroggins
Cash and Due from:....................................... 2,037
Federal Funds and Repos: ............................ 4,065
Investments:................................................. 46,313
Net Loans:.................................................... 21,043
Premises and Fixed Assets: ............................. 169
Other Real Estate: ................................................ 8
Other Assets: .................................................... 577
Total Assets: ................................................ 74,212
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 64,066
Federal Funds and Borrowings:............................ 0
Other Liabilities: ................................................ 779
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 64,845
Total Equity Capital:....................................... 9,367
Total Liabilities and Capital:......................... 74,212
Number of Shares Outstanding: .................. 10,000

Directors: Charles L. Cabe, Jr.; Billie Nipper; J. Paul Nipper; Cynthia Sandefur; Danny K.
Smith; J. Woodrow Smith
Branches in Town: None
Other Branches: None

90

Arkansas State Bank Department

Bank of Star City
Star City, AR
VOICE: (870) 628-4286
FAX: (870) 628-5274
Population: 2,471

116 North Lincoln
P. O. Drawer 69
71667-0069
Home Page: www.bankofstarcity.com
Trust Powers: No
Bank Holding Company
Star City Bancshares, Inc., Star City, AR
Chm/CEO: Bennie F. Ryburn, Jr.
VP: Mary Womack
Pres: R. Mark Owen
Cash and Due from:....................................... 2,319
Federal Funds and Repos: ................................... 0
Investments: ................................................ 22,212
Net Loans: ................................................... 61,651
Premises and Fixed Assets: .......................... 3,907
Other Real Estate: .............................................. 30
Other Assets: ................................................. 1,616
Total Assets: ................................................ 91,735
Total Trust Assets:................................................ 0

Charter Number: 567
Date: April 27, 1925
County: Lincoln

Deposits:...................................................... 73,330
Federal Funds and Borrowings: .................... 8,153
Other Liabilities:................................................ 186
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 81,669
Total Equity Capital: .................................... 10,066
Total Liabilities and Capital:......................... 91,735
Number of Shares Outstanding: .................. 15,000

Directors: Keith D. Griffin; Tommy L. Lively; Lucille Ollar; R. Mark Owen; Bennie F. Ryburn,
Jr.; Marion Ryburn
Branches in Town: None
Other Branches: Gould, Pine Bluff (2),
White Hall

The Stephens Security Bank
Stephens, AR
VOICE: (870) 786-5416
FAX: (870) 786-5419
Population: 1,152

105 Ruby Street
Charter Number: 692
P. O. Box 7
Date: February 8, 1946
71764-0007
County: Ouachita
Trust Powers: No
Bank Holding Company
Smith Associated Banking Corporation, Hot Springs, AR
Chm: Richard T. Smith
SVP/Cash: Cheryl Brown
Pres: Carol Reaves
Cash and Due from:....................................... 1,272
Federal Funds and Repos: ............................... 700
Investments: .................................................. 4,283
Net Loans: ................................................... 26,295
Premises and Fixed Assets: .......................... 1,272
Other Real Estate: ............................................ 135
Other Assets: ................................................. 1,510
Total Assets: ................................................ 35,467
Total Trust Assets:................................................ 0

Deposits:...................................................... 29,597
Federal Funds and Borrowings: .................... 2,647
Other Liabilities:................................................ 385
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 32,629
Total Equity Capital: ...................................... 2,838
Total Liabilities and Capital:......................... 35,467
Number of Shares Outstanding: .................. 11,000

Directors: Duncan Grayson; Carol Reaves; Guy R. Smith; Guy R. "Buck" Smith; Richard T.
Smith; Colon Watson; Jay C. Wilson
Branches in Town: None
Other Branches: None

Ninety-First Report

91

The Farmers and Merchants Bank
Stuttgart, AR
VOICE: (870) 673-6911
FAX: (870) 672-4282
Population: 9,745

Seventh & Main Streets
Charter Number: 687
P. O. Box 1010
Date: December 29, 1944
72160-1010
County: Arkansas
Home Page: www.fmbarkansas.com
Trust Powers: Yes
Member of Federal Reserve System
Bank Holding Company
The Farmers and Merchants Bankshares, Inc., Stuttgart, AR
Chm: Roy O. McCollum, III
Cash: Caroll Fowler
CEO/Pres: Don Pattillo
TO: Richard McMinn
Cash and Due from:....................................... 8,410
Federal Funds and Repos: ................................... 0
Investments:................................................. 81,750
Net Loans:.................................................. 200,861
Premises and Fixed Assets: .......................... 3,566
Other Real Estate: ............................................ 254
Other Assets: ............................................... 17,574
Total Assets: .............................................. 312,415
Total Trust Assets: ....................................... 36,199

Deposits: .................................................... 225,157
Federal Funds and Borrowings:................... 36,526
Other Liabilities: ........................................... 10,474
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 272,157
Total Equity Capital:..................................... 40,258
Total Liabilities and Capital:....................... 312,415
Number of Shares Outstanding: ................ 100,000

Directors: Jerry Carter; Gary Hudson; Roy O. McCollum, III; Don Pattillo; Mickey Pierce;
Robert H. Pond; Robert Seidenstricker; Patricia M. Townsend; Ray Vester
Branches in Town: Four
Other Branches: Des Arc, DeValls Bluff,
DeWitt, Hazen

Bank of Trumann
Trumann, AR
VOICE: (870) 483-6333
FAX: (870) 483-7512
Population: 6,889

326 Highway 463
Charter Number: 354
P. O. Box 48
Date: October 2, 1911
72472-0048
County: Poinsett
Trust Powers: No
Bank Holding Company
First Delta Bankshares, Inc., Blytheville, AR
CEO/Pres: John R. Gillette
VP: Carroll D. Anderson
CFO: Cheryl McMasters
AVP: Shirley Benson
Cash and Due from:....................................... 2,161
Federal Funds and Repos: ............................ 2,700
Investments:................................................. 29,960
Net Loans:.................................................... 45,985
Premises and Fixed Assets: .......................... 1,214
Other Real Estate: ................................................ 6
Other Assets: ................................................. 5,235
Total Assets: ................................................ 87,261
Total Trust Assets: ................................................ 0

Deposits: ...................................................... 70,140
Federal Funds and Borrowings:..................... 1,119
Other Liabilities: ................................................ 584
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 71,843
Total Equity Capital:..................................... 15,418
Total Liabilities and Capital:......................... 87,261
Number of Shares Outstanding: .................. 60,000

Directors: John R. Gillette; Gary Griffin; Matthew H. Moon; Clyde Robertson, Jr.; Jerry T.
Sims; Barry E. Wood
Branches in Town: None
Other Branches: None

Arkansas State Bank Department

92

Citizens Bank & Trust Company
Van Buren, AR
VOICE: (479) 474-1201
FAX: (479) 410-1340
Population: 18,986

3110 Alma Hwy.
Charter Number: 328
P. O. Box 469
Date: December 20, 1910
72957-0469
County: Crawford
Home Page: www.cbankandtrust.co,
Trust Powers: Yes
Member of Federal Reserve System
Bank Holding Company
First Bank Corp., Fort Smith, AR
Chm: James G. Williamson, Jr.
EVP: Lance L. Lanier
CEO/Pres: D. Keith Hefner
TO: A. C. Moncrief
Cash and Due from:..................................... 11,433
Federal Funds and Repos: ................................... 0
Investments: ................................................ 58,980
Net Loans: ................................................. 180,510
Premises and Fixed Assets: .......................... 5,240
Other Real Estate: .............................................. 25
Other Assets: ................................................. 7,118
Total Assets: .............................................. 263,306
Total Trust Assets:......................................... 7,640

Deposits:.................................................... 231,293
Federal Funds and Borrowings: ....................... 993
Other Liabilities:............................................. 2,527
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 234,813
Total Equity Capital: .................................... 28,493
Total Liabilities and Capital:....................... 263,306
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

First Community Bank of Crawford County
Van Buren, AR
VOICE: (479) 471-5400
2925 Alma Highway, Suite A
Charter Number: 784
FAX: (479) 471-5404
72956
Date: July 7, 2000
Population: 18,986
County: Crawford
Home Page: www.firstcommunity-bank.com
Trust Powers: No
Bank Holding Company
None
Chm: Tim E. Wise
SVP: Rex Woods
CEO/Pres: Jim Fincher
Cash: Cheryl A. Mathews
Cash and Due from:....................................... 1,250
Federal Funds and Repos: ............................ 1,030
Investments: ................................................ 10,827
Net Loans: ................................................... 33,882
Premises and Fixed Assets: ............................. 869
Other Real Estate: ............................................ 152
Other Assets: .................................................... 796
Total Assets: ................................................ 48,806
Total Trust Assets:................................................ 0

Deposits:...................................................... 40,365
Federal Funds and Borrowings: .................... 3,738
Other Liabilities:................................................ 140
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 44,243
Total Equity Capital: ...................................... 4,563
Total Liabilities and Capital:......................... 48,806
Number of Shares Outstanding: .................. 48,640

Directors: Jim Fincher; James David Garner; John Hall; Tim Hodges; Richard Hodo; Mark
Manes; Richard Schultz; Tim E. Wise
Branches in Town: One
Other Branches: None

Ninety-First Report

93

First State Bank of Warren
Warren, AR
VOICE: (870) 226-2601
FAX: (870) 226-2253
Population: 6,442

Main Street
Charter Number: 739
P. O. Box 29
Date: December 12, 1978
71671-0029
County: Bradley
Trust Powers: Yes
Bank Holding Company
Bradley Bancshares, Inc., Warren, AR
Chm/CEO: Bennie Ryburn, Jr.
EVP/TO: Hugh Quimby
Pres: Freddie M. Mobley
Cash and Due from:....................................... 7,453
Federal Funds and Repos: ................................... 0
Investments:................................................. 34,121
Net Loans:.................................................... 56,693
Premises and Fixed Assets: .......................... 2,014
Other Real Estate: ............................................ 677
Other Assets: ................................................. 1,634
Total Assets: .............................................. 102,592
Total Trust Assets: ......................................... 2,156

Deposits: ...................................................... 90,327
Federal Funds and Borrowings:........................ 693
Other Liabilities: ................................................ 492
Subordinated Debt:............................................... 0
Total Liabilities: ............................................ 91,512
Total Equity Capital:..................................... 11,080
Total Liabilities and Capital:....................... 102,592
Number of Shares Outstanding: .................. 59,000

Directors: Robert Garner; Roger George; Robert Green, Jr.; Freddie M. Mobley; Hugh A.
Quimby; Bennie Ryburn, III; Bennie F. Ryburn, Jr.; Dr. Joe H. Wharton
Branches in Town: One
Other Branches: Hampton, Hermitage

Warren Bank and Trust Company
Warren, AR
VOICE: (870) 226-2621
FAX: (870) 226-6261
Population: 6,442

201 South Main
Charter Number: 80
P. O. Box 350
Date: December 28, 1901
71671-0350
County: Bradley
Trust Powers: Yes
Member of Federal Reserve System
Bank Holding Company
None
Chm: John B. Frazer
SVP: Tim Spraggins
Pres/TO: Carlton E. Davis
SVP/Cash: James E. Smith
Cash and Due from:....................................... 5,160
Federal Funds and Repos: ............................ 1,050
Investments:................................................. 55,027
Net Loans:.................................................... 58,372
Premises and Fixed Assets: ............................. 843
Other Real Estate: ............................................ 274
Other Assets: ................................................. 1,927
Total Assets: .............................................. 122,653
Total Trust Assets: ....................................... 34,609

Deposits: .................................................... 100,858
Federal Funds and Borrowings:..................... 4,520
Other Liabilities: ................................................ 418
Subordinated Debt:............................................... 0
Total Liabilities: .......................................... 105,796
Total Equity Capital:..................................... 16,857
Total Liabilities and Capital:....................... 122,653
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.; W. Sykes Harris; Dr. Dr. Rocky K. Lindsey;
Jeffrey B. McGaha; Dr. Kerry F. Pennington
Branches in Town: Two
Other Branches: Hermitage

94

Arkansas State Bank Department

Cross County Bank
Wynne, AR
VOICE: (870) 238-8171
FAX: (870) 238-4052
Population: 8,615

1 Cross County Plaza
P. O. Box 9
72396-0009
Home Page: www.crosscountybank.com
Trust Powers: Yes
Bank Holding Company
Cross County Bancshares, Inc., Wynne, AR
Chm: Dr. Willard G. Burks
EVP: David Dowd
CEO/Pres: Mac McClanahan
TO: Vincent E. Guest
Cash and Due from:....................................... 3,702
Federal Funds and Repos: ................................... 0
Investments: ................................................ 32,957
Net Loans: ................................................. 129,703
Premises and Fixed Assets: .......................... 2,517
Other Real Estate: ............................................ 264
Other Assets: ................................................. 4,214
Total Assets: .............................................. 173,357
Total Trust Assets:......................................... 7,138

Charter Number: 25
Date: June 5, 1891
County: Cross

Deposits:.................................................... 123,539
Federal Funds and Borrowings: .................. 30,259
Other Liabilities:................................................ 550
Subordinated Debt:............................................... 0
Total Liabilities:.......................................... 154,348
Total Equity Capital: .................................... 19,009
Total Liabilities and Capital:....................... 173,357
Number of Shares Outstanding: .................... 4,000

Directors: Dr. Willard G. Burks; Guy E. Fisher; Albert A. Hess; Pete L. Imboden, III; R.
Vance Lawson; Thomas W. Morgan, Jr.; Roger E. Pohlner; Donald L. Reddmann; R. Joe
Rennicke; James A. Richardson
Branches in Town: One
Other Branches: Cherry Valley, Hickory
Ridge

REPORT OF THE

STATE CHARTERED
NON-PROFIT ORGANIZATION

(NOT ENGAGED IN
COMMERCIAL BANKING)

JUNE 30, 2005

96

Arkansas State Bank Department

Arkansas Capital Corporation
Little Rock, AR
VOICE: (501) 374-9247
FAX: (501) 374-9425
Population: 183,133

Chm: Virgil L. Miller, Jr.
CEO: C. Sam Walls

200 South Commerce, Suite 400
72201-1728

Charter Number: 1006
Date: August 6, 1958
County: Pulaski

Home Page: www.arcapital.com
Trust Powers: No
Bank Holding Company
None
EVP: Jay W. Wisener
SVP: Jerry Adams

Cash and Due from:....................................... 1,962
Federal Funds and Repos: ................................... 0
Investments: .................................................. 4,598
Net Loans: ................................................... 38,413
Premises and Fixed Assets: .......................... 1,589
Other Real Estate: ............................................ 286
Other Assets: ................................................. 1,516
Total Assets: ................................................ 48,364
Total Trust Assets:................................................ 0

Deposits:............................................................... 0
Federal Funds and Borrowings: .................. 41,528
Other Liabilities:............................................. 1,154
Subordinated Debt:............................................... 0
Total Liabilities:............................................ 42,682
Total Equity Capital: ...................................... 5,682
Total Liabilities and Capital:......................... 48,364
Number of Shares Outstanding: .................... 1,060

Directors: John W. Ahlen; Carl E. Baggett; George E. Campbell; Rush B. Deacon; Mac
Dodson; Donald H. Henry; James R. Jordan; Virgil L. Miller, Jr.; Bert M. Mullens; Don
Pattillo; H. Glenn Rambin; D. Patton Rudder; David H. Shindler; William T. Staed; Larry
Walther
Branches in Town: None
Other Branches: Fayetteville, Jonesboro

REPORT OF

TRUST COMPANIES

(NOT ENGAGED IN
COMMERCIAL BANKING)

JUNE 30, 2005

Arkansas State Bank Department

98

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.
SVP: Robert D. Bischof

Charter Number: 35001
Date: Jun. 17, 1998
County: Garland

CFO: Leslie Ballentine

Directors: Charlotte Arnold, CPA; Robert Bischof; Robert J. Bruce; Mark Buhrow; Gerald A.
Burgener; David French; William L.. Kerst, Jr.; Scott Simmons; Ralph Woodruff
Branches in Town: None
Other Branches: Hot Springs Village, Little
Rock, Russellville

FirsTrust Financial Services, Inc.
Little Rock, AR
VOICE: (501) 664-6627
FAX: (501) 663-6772
Population: 183,133
Chm/CEO: Michael McBryde
Pres/COO: Richard P. Clark, II

2610 Cantrell Road
72202

Charter Number: 35000
Date: May. 22, 2001
County: Pulaski

SVP/TO: Voncile Berry
VP: Dot Weaver

Directors: John Bailey; Robert F. Birch, Jr.; William C. Brazil; Dale Bruns; Richard P. Clark,
II; Tracy M. French; Stuart W. Hankins; Michael McBryde; C. Randall Sims; Ron Strother
Branches in Town: None
Other Branches: Conway, El Dorado

REPORT OF THE

REGIONAL/COUNTY INDUSTRIAL
DEVELOPMENT CORPORATIONS

(NOT ENGAGED IN
COMMERCIAL BANKING)

JUNE 30, 2005

Arkansas State Bank Department

100

Northwest Arkansas Regional Industrial Development Corporation
Fort Smith, AR
VOICE: (479) 782-5959
FAX: (479) 782-9669

CEO: Luther Reed
CFO: T. David Potts

Greenpointe Center, Suite 31
P. O. Box 3325
72913-3325

Charter Number: 30006
Date: Apr. 17, 1997

VP: Lisa Johnson
VP: Vickie Pettway

Arkansas Regional Industrial Development Company I, LLC
Little Rock, AR
VOICE: (501) 374-9247
FAX: (501) 374-9425

Chm/CEO: C. Sam Walls

200 South Commerce Street
Suite 400
72201-1925

Charter Number: 30008
Date: Jul. 18, 2002

VP/Sec: Larry Carter

Arkansas Regional Industrial Development Company II, LLC
Little Rock, AR
VOICE: (501) 374-9247
FAX: (501) 374-9425

200 South Commerce Street
Suite 400
72201-1925

Charter Number: 30009
Date: Oct. 30, 2002

Chm/CEO: C. Sam Walls

Arkansas Valley Regional Industrial Development Company
Little Rock, AR
VOICE: (501) 372-7333
FAX: (501) 372-7340

Donaghey Building, Suite 207
103 East Seventh
72201

Charter Number: 30010
Date: Nov. 4, 2002

CEO/CFO: Carl W. Bird

Central Arkansas Regional Industrial Development Company, LLC
Little Rock, AR
VOICE: (501) 224-6511
FAX: (501) 954-9419

Pres: Robert B. Francis

1525 Merrill Drive, Suite 3000
P. O. Box 21077
72221

Charter Number: 30007
Date: Feb. 19, 1998

Ninety-First Report

101

Perry County Industrial Development Corporation
Perryville, AR
VOICE: (501) 889-5771
FAX: (501) 889-2966

Pres: John C. Branscum
VP: James R. Price, D.D.S.

P. O. Box 869
72126-0869

Charter Number: 30003
Date: Aug. 18, 1994

Treas: James C. Hawkins
Sec: Doug Brandon

REPORT OF THE

CAPITAL DEVELOPMENT COMPANY

(NOT ENGAGED IN
COMMERCIAL BANKING)

JUNE 30, 2005

Arkansas State Bank Department

104

Commerce Capital Development Company, LLC
Little Rock, AR
VOICE: (501) 374-9247
FAX: (501) 374-9425

Chm: Luther Wayne Britt

200 South Commerce Street
Suite 400
72201

Charter Number: 45001
Date: Aug. 28, 2003

Pres: C. Sam Walls

LIST OF

COMMERCIAL BANKS

BY COUNTY

AND

MAP OF

ARKANSAS COUNTIES

JUNE 30, 2005

Arkansas State Bank Department

106

COUNTY

BANK

CITY

Arkansas

DeWitt Bank And Trust Company
The First National Bank of DeWitt
Planters & Merchants Bank
The Farmers and Merchants Bank
First National Bank of Stuttgart

Ashley

First National Bank of Crossett
First State Bank
Farmers Bank
Delta Trust & Bank
Home Bank of Arkansas

Baxter

First National Bank and Trust Company
First Security Bank of Mountain Home

Benton

ANB Financial National Association
Pinnacle Bank
Decatur State Bank
Bank of Gravett
Bank of Rogers
Parkway Bank
Simmons First Bank of Northwest Arkansas
Liberty Bank of Arkansas

Boone

Community First Bank

Bradley

First State Bank of Warren
Warren Bank and Trust Company

Calhoun

Calhoun County Bank

Carroll

The First National Bank of Berryville
Bank of Eureka Springs
The First National Bank in Green Forest

Berryville
Eureka Springs
Green Forest

Chicot

The Eudora Bank
The Bank of Lake Village
Simmons First Bank of South Arkansas

Eudora
Lake Village
Lake Village

Clark

Elk Horn Bank and Trust Company
Summit Bank

Arkadelphia
Arkadelphia

Clay

Piggott State Bank

Cleburne

First Team Bank
Greers Ferry Lake State Bank
Heber Springs State Bank

Cleveland

Centennial Bank
The Bank of Rison

DeWitt
DeWitt
Gillett
Stuttgart
Stuttgart
Crossett
Crossett
Hamburg
Parkdale
Portland
Mountain Home
Mountain Home
Bentonville
Bentonville
Decatur
Gravette
Rogers
Rogers
Rogers
Siloam Springs
Harrison
Warren
Warren
Hampton

Piggott
Heber Springs
Heber Springs
Heber Springs
Kingsland
Rison

Ninety-First Report

107

COUNTY

BANK

CITY

Columbia

Farmers Bank and Trust Company
The Peoples Bank

Magnolia
Magnolia

Conway

Petit Jean State Bank

Morrilton

Craighead

American State Bank
Heritage Bank
Liberty Bank of Arkansas
Simmons First Bank of Jonesboro

Jonesboro
Jonesboro
Jonesboro
Jonesboro

Crawford

Allied Bank
Citizens Bank & Trust Company
First Community Bank of Crawford County

Mulberry
Van Buren
Van Buren

Crittenden

First Community Bank of Eastern Arkansas
Fidelity National Bank

Cross

First State Bank
Cross County Bank
The First National Bank of Wynne

Dallas

Fordyce Bank & Trust Company
Riverside Bank

Fordyce
Sparkman

Desha

Merchants & Farmers Bank
The First National Bank of McGehee
McGehee Bank

Dumas
McGehee
McGehee

Drew

Commercial Bank & Trust Company
Union Bank And Trust Company

Monticello
Monticello

Faulkner

First Security Bank of Conway
First State Bank
First Service Bank

Conway
Conway
Greenbrier

Fulton

Bank of Salem

Garland

First National Bank
Simmons First Bank of Hot Springs

Grant

Peoples Bank

Greene

First National Bank
Southern Bank of Commerce

Hempstead

Bank of Blevins
The First National Bank of Hope

Marion
West Memphis
Parkin
Wynne
Wynne

Salem
Hot Springs
Hot Springs
Sheridan
Paragould
Paragould
Blevins
Hope

Arkansas State Bank Department

108

COUNTY

BANK

CITY

Hot Spring

The Malvern National Bank
Southern State Bank

Independence

The Citizens Bank
First Community Bank

Izard

The First National Bank of Izard County

Jackson

Merchants & Planters Bank

Jefferson

First National Bank of Altheimer
Pine Bluff National Bank
Simmons First National Bank

Altheimer
Pine Bluff
Pine Bluff

Johnson

First Security Bank of Clarksville

Clarksville

Lafayette

Community State Bank
The First National Bank of Lewisville
Bodcaw Bank

Bradley
Lewisville
Stamps

Lawrence

The First National Bank of Lawrence County

Lee

First National Bank at Marianna

Lincoln

Bank of Star City

Star City

Little River

The First National Bank

Ashdown

Logan

First Western Bank
The First National Bank at Paris
Logan County Bank

Lonoke

Community Bank
Bank of England
First State Bank

Madison

First State Bank of Northwest Arkansas

Huntsville

Mississippi

Farmers Bank And Trust Company
The First National Bank in Blytheville

Blytheville
Blytheville

Monroe

Bank of Brinkley
The Merchants and Planters Bank

Brinkley
Clarendon

Nevada

Bank of Prescott

Ouachita

Bank of Bearden
The Stephens Security Bank

Malvern
Malvern
Batesville
Batesville
Calico Rock
Newport

Walnut Ridge
Marianna

Booneville
Paris
Scranton
Cabot
England
Lonoke

Prescott
Bearden
Stephens

Ninety-First Report

109

COUNTY

BANK

CITY

Perry

Chart Bank

Phillips

Helena National Bank
First Bank of the Delta, N.A.

Helena
West Helena

Pike

Bank of Delight
Arkansas Diamond Bank
Diamond State Bank

Delight
Glenwood
Murfreesboro

Poinsett

The Bank of Harrisburg
Little River Bank
First Delta Bank
Bank of Trumann

Harrisburg
Lepanto
Marked Tree
Trumann

Polk

The Union Bank of Mena

Pope

First Arkansas Valley Bank
First State Bank
Simmons First Bank of Russellville

Pulaski

First Arkansas Bank & Trust
Arkansas Bankers' Bank
Bank of Little Rock
Bank of the Ozarks
The Capital Bank
Eagle Bank & Trust Company
Metropolitan National Bank
One Bank & Trust, National Association
Pulaski Bank And Trust Company
National Bank of Arkansas in North Little Rock
Twin City Bank

Saline

The Union Bank of Benton

Scott

First National Bank

Sebastian

The First National Bank of Fort Smith
Farmers Bank

Sevier

The First National Bank of DeQueen
First State Bank of DeQueen
Horatio State Bank

DeQueen
DeQueen
Horatio

Sharp

First National Banking Company
Bank of Cave City

Ash Flat
Cave City

St. Francis

First National Bank of Eastern Arkansas
Forrest City Bank, N.A.

Perryville

Mena
Russellville
Russellville
Russellville
Jacksonville
Little Rock
Little Rock
Little Rock
Little Rock
Little Rock
Little Rock
Little Rock
Little Rock
North Little Rock
North Little Rock
Benton
Waldron
Fort Smith
Greenwood

Forrest City
Forrest City

Arkansas State Bank Department

110

COUNTY

BANK

CITY

Stone

Bank of Mountain View

Union

First Financial Bank
Simmons First Bank of El Dorado, N. A.
Timberland Bank
Smackover State Bank

El Dorado
El Dorado
El Dorado
Smackover

Washington

Arvest Bank
Bank of Arkansas, N.A.
The Bank of Fayetteville, N.A.
Chambers Bank of North Arkansas
Signature Bank of Arkansas
Legacy National Bank

Fayetteville
Fayetteville
Fayetteville
Fayetteville
Fayetteville
Springdale

White

Citizens State Bank
First Security Bank
Simmons First Bank of Searcy

Woodruff

The Bank of Augusta
Bank of McCrory

Yell

Chambers Bank
Bank of Dardanelle

Mountain View

Bald Knob
Searcy
Searcy
Augusta
McCrory
Danville
Dardanelle

Ninety-First Report

MAP OF
ARKANSAS COUNTIES

111

ARKANSAS

BANK HOLDING COMPANIES

WHICH OWN

STATE CHARTERED BANKS

IN ARKANSAS

JUNE 30, 2005

Arkansas State Bank Department

114

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

SVP/CFO: Sandra Linn

Subsidiaries:
Elk Horn Bank and Trust Company
First Bank of the Delta, N.A.
Phillips Insurance Services, Inc.
First Investment Advisory Services, Inc.
Delta Southern Bank
Southern Development Capital Trust
Southern Development Statutory Trust I
Southern Development Statutory Trust II
Southern Development Statutory Trust III
Southern Property Corporation of the Delta

Arkadelphia, AR
West Helena, AR
Elaine, AR
Helena, AR
Ruleville, MS
Arkadelphia, AR
Arkadelphia, AR
Arkadelphia, AR
Arkadelphia, AR
Arkadelphia, AR

Summit Bancorp, Inc.
Arkadelphia, AR
RSSD Number: 2618388
VOICE: (870) 246-8070
FAX: (870) 246-7122
Chm: Ross M. Whipple
Pres: Marcus J. McCain

409 Main Street
P. O. Box 965
71923
EVP/CFO: Christopher M. Wewers
EVP/CAO: John A. Bryant

Subsidiaries:
Summit Bank Arkadelphia, AR
Summit Real Estate Investments, Inc.
Tucker Insurance, LLC d/b/a Summit Insurance Group

Arkadelphia, AR
Malvern, AR

Citizens State Bankshares of Bald Knob, Inc.
Bald Knob, AR
RSSD Number: 1096822
VOICE: (501) 724-3241
FAX: (501) 724-5985
Chm: Juanita Litzelfelner
CEO/Pres: Larry Kircher
Subsidiaries:
Citizens State Bank
Citizens State Investments, Inc.

306 South Elm Street
P. O. Box 200
72010-0200
EVP/Sec: Molly Kircher

Bald Knob, AR
Bald Knob, AR

Ninety-First Report

115

Citizens Bancshares of Batesville, Inc.
Batesville, AR
RSSD Number: 1131077
VOICE: (870) 793-4441
FAX: (870) 698-6299

Third and College Streets
P. O. Box 2156
72503-2156

CEO/Pres: Kevin F. Norton
EVP: David Ford

Sec: Greg Shaver

Subsidiaries:
The Citizens Bank
Citizens Investments, Inc.

Batesville, AR
Batesville, AR

First Community Bancshares, Inc.
Batesville, AR
RSSD Number: 2641694
VOICE: (870) 612-3400
FAX: (870) 612-3412

1325 Harrison Street
P. O. Box 4327
72501-4327

Chm/CEO/Pres: Dale E. Cole
EVP: Boris A. Dover

Sec: Frank Tripp

Subsidiaries:
First Community Bank
Batesville Insurance Agency, Inc.
First Community Real Estate, Inc.

Batesville, AR
Batesville, AR
Batesville, AR

Bearden Bancshares, Inc.
Bearden, AR
RSSD Number: 2993722
VOICE: (870) 687-2233
FAX: (870) 687-2474
Chm/Pres: Rick Green
Subsidiaries:
Bank of Bearden

#1 Second Street
P. O. Box 135
71720-0135
Sec: Ken Riley

Bearden, AR

Arkansas State Bank Department

116

Union Bancshares of Benton, Inc.
Benton, AR
RSSD Number: 1133530
VOICE: (501) 315-0411
FAX: (501) 303-5433

207 West Conway Street
P. O. Box 687
72018-0687

Chm/CEO/Pres: Greg B. Brown
Subsidiaries:
The Union Bank of Benton
Benton Savings & Loan Service Corporation
UFS, Inc.

Benton, AR
Benton, AR
Benton, AR

Arvest Bank Group, Inc.
Bentonville, AR
RSSD Number: 1095674
VOICE: (479) 464-1500
FAX: (479) 464-1540
Chm/CEO/Pres: Jim C. Walton

125 West Central #218
P.O. Box 1860
72712
VP/Treas/Sec: Richard D. Chapman

Subsidiaries:
Arvest Holdings, Inc.
Arvest Bank
Superior Finance Company
Superior Financial Services, Inc.
Southwest Protective Life Insurance Company
Superior Insurance Services, Inc.
Central Mortgage Company
Arvest Bank Operations, Inc.
Arvest Mortgage Company
Arvest Insurance, Inc.
Arvest Investments, Inc.
First Place on the Creeks, L.L.C.
WACO Title Company
ATC Services, Inc.
Security Bankcard Center, Inc.
Superior Financial Statutory Trust I
Superior Financial Statutory Trust II
Arvest Trust Company N. A.
Arvest Statutory Trust I

Bentonville, AR
Fayetteville, AR
Fort Smith, AR
Fort Smith, AR
Fort Smith, AR
Paris, AR
Little Rock, AR
Lowell, AR
Lowell, AR
Rogers, AR
Rogers, AR
Rogers, AR
Springdale, AR
Bartlesville, OK
Norman, OK
Hartford, CT
Hartford, CT
Rogers, AR
Hartford, CT

Ninety-First Report

117

Arvest Holdings, Inc.
Bentonville, AR
RSSD Number: 1845673
VOICE: (479) 464-1500
FAX: (479) 464-1540

125 West Central, Suite #218
P. O. Box 1860
72712
Bank Holding Company
Arvest Bank Group, Inc., Bentonville, AR

Chm/CEO/Pres: Jim C. Walton

VP/Treas/Sec: Richard D. Chapman

Subsidiaries:
Arvest Bank
Superior Finance Company
Superior Financial Services, Inc.
Southwest Protective Life Insurance Company
Superior Insurance Services, Inc.
Central Mortgage Company
Arvest Bank Operations, Inc.
Arvest Mortgage Company
Arvest Insurance, Inc.
Arvest Investments, Inc.
First Place on the Creeks, L.L.C.
WACO Title Company
ATC Services, Inc.
Security Bankcard Center, Inc.
Superior Financial Statutory Trust I
Superior Financial Statutory Trust II

Fayetteville, AR
Fort Smith, AR
Fort Smith, AR
Fort Smith, AR
Paris, AR
Little Rock, AR
Lowell, AR
Lowell, AR
Rogers, AR
Rogers, AR
Rogers, AR
Springdale, AR
Bartlesville, OK
Norman, OK
Hartford, CT
Hartford, CT

Farmers Bancorp, Inc.
Blytheville, AR
RSSD Number: 1247615
VOICE: (870) 763-8101
FAX: (870) 763-3500
Pres: Alvin Huffman, III
VP: Paula O. Blackwell
Subsidiaries:
Farmers Bank And Trust Company

400 West Main Street
P. O. Box 688
72316-0688
Treas/Sec: Steve Bell

Blytheville, AR

Arkansas State Bank Department

118

First Delta Bankshares, Inc.
Blytheville, AR
RSSD Number: 1097388
VOICE: (870) 763-4443
FAX: (870) 762-5312

120 South Second Street
P. O. Box 809
72316-0809

Chm/CEO: Jerry T. Sims
VChm: E. G. Sims

Pres: Gary Griffin

Subsidiaries:
The First National Bank in Blytheville
Bank of Trumann

Blytheville, AR
Trumann, AR

First Western Bancshares ESOT
Booneville, AR
RSSD Number: 2628994
VOICE: (479) 675-0369
FAX: (479) 675-0751

80 West Main
P. O. Box 87
72927-0087

Chm: Jeral L. Hampton
Subsidiaries:
First Western Bancshares, Inc.
First Western Bank
First Western Financial
First Western Insurance Agency, Inc.
First Western Mortgage, Inc.
First Western Properties, Inc.
Westark Real Estate Appraisals

Booneville, AR
Booneville, AR
Booneville, AR
Booneville, AR
Booneville, AR
Booneville, AR
Booneville, AR

First Western Bancshares, Inc.
Booneville, AR
RSSD Number: 1100091
VOICE: (479) 675-0369
FAX: (479) 675-0751

80 West Main
P. O. Box 87
72927-0087

Bank Holding Company
First Western Bancshares ESOT, Booneville, AR
Chm/CEO: Jeral L. Hampton
Pres: John T. Hampton
Subsidiaries:
First Western Bank
First Western Financial
First Western Insurance Agency, Inc.
First Western Mortgage, Inc.
First Western Properties, Inc.
Westark Real Estate Appraisals

Sec: Debbie Danekas

Booneville, AR
Booneville, AR
Booneville, AR
Booneville, AR
Booneville, AR
Booneville, AR

Ninety-First Report

119

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

Sec: Stephen Wicks

Subsidiaries:
Community State Bank

Bradley, AR

Brinkley Bancshares, Inc.
Brinkley, AR
RSSD Number: 1097146
VOICE: (870) 734-3133
FAX: (870) 734-3001

130 South New Orleans
P. O. Box 727
72021-0727

Chm/CEO: A. H. Rusher

Pres: Gus Rusher

Subsidiaries:
Bank of Brinkley
Fred Rusher Agency, Inc.

Brinkley, AR
Brinkley, AR

Harrell Bancshares, Inc.
Camden, AR
RSSD Number: 2352196
VOICE: (870) 837-8300
FAX: (870) 837-8310

1325 Hwy. 278 Bypass
P. O. Box 10
71701

CEO/Pres: Searcy W. Harrell, Jr.
VP: Jonathan W. Harrell

Sec: Phillip J. Foster

Subsidiaries:
Calhoun County Bank

Hampton, AR

Sharp Bancshares, Inc.
Cave City, AR
RSSD Number: 1099663
VOICE: (870) 283-5301
FAX: (870) 283-6466
Chm: Samuel F. Beller
VChm: Bruce Street
Subsidiaries:
Bank of Cave City
Cave City Properties, Inc.

133 South Main
P. O. Box 490
72521-0490
Pres: Margie Pettersen
Treas/Sec: Dennis Esteb

Cave City, AR
Cave City, AR

Arkansas State Bank Department

120

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/CEO: J. Baxter Sharp, III
CEO: Rheta Griffith

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) 329-2991
Chm/CEO: John W. Allison
Pres/COO: Ron Strother

719 Harkrider Street, 3rd Floor
P. O. Box 966
72032
CFO: Randy E. Mayor

Subsidiaries:
White River Bancshares Company
Signature Bank of Arkansas
Community Bank
Community Home Lenders of Arkansas, Inc.
Community Insurance Agency, Inc.
Community Title Services, Inc.
Grand Prairie Title Company, Inc.
Lonoke Abstract Corporation
First State Bank
First Data Solutions, Inc.
First State Mortgage
Twin City Bank
Marine Bank of the Florida Keys
Home Bancshares Statutory Trust I
FirsTrust Financial Services, Inc.
Community Financial Statutory Trust I
Marine Statutory Trust I

Fayetteville, AR
Fayetteville, AR
Cabot, AR
Cabot, AR
Cabot, AR
Cabot, AR
Cabot, AR
Lonoke, AR
Conway, AR
Conway, AR
Conway, AR
North Little Rock, AR
Marathon, FL
Conway, AR
Little Rock, AR
Hartford, CT
Hartford, CT

Ninety-First Report

121

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

VP/Treas/Sec: Nicholas J. Horner

Subsidiaries:
First State Bank

Crossett, AR

Chambers Bancshares, Inc.
Danville, AR
RSSD Number: 1141487
VOICE: (479) 495-4680
FAX: (479) 495-4681

105 East 9th Street
P. O. Box 1330
72833-1330

Chm/CEO/Pres: John Ed Chambers, III

CFO: Mike Donnell

Subsidiaries:
Community Investment, Inc.
Chambers Bank of North Arkansas
Chambers Bank
Blue Star Title of Arkansas, Inc.
CB Financial Services, Inc.
Blue Star Financial, Inc.
River Valley Appraisal
Sloan Capital Trust I

Fayetteville, AR
Fayetteville, AR
Danville, AR
Danville, AR
Danville, AR
Plano, TX
Danville, AR
Danville, AR

Bank of Dardanelle Bankshares, Inc.
Dardanelle, AR
RSSD Number: 1134546
VOICE: (479) 229-3311
FAX: (479) 229-4180
CEO/Pres: Ronald L. Taylor
Subsidiaries:
Bank of Dardanelle

102 North Front Street
P. O. Box 577
72834-0577
Sec: Thomas C. Berryhill

Dardanelle, AR

Arkansas State Bank Department

122

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 National Security Company
DeQueen, AR
RSSD Number: 1426755
VOICE: (870) 642-2212
FAX: (870) 642-7959

Third & Gilson
P. O. Box 980
71832-0980

Chm: John H. Hendrix

CEO/Pres: Larry Mashburn

Subsidiaries:
First National Bancshares of Hempstead County, Inc.
Bank of Blevins
The First National Bank of Hope
The First National Bank of Lewisville
First Community Banking Corporation
First National Bank
The First National Bank
The First National Bank of DeQueen
First National Bank
First State Bank of Idabel

Hope, AR
Blevins, AR
Hope, AR
Lewisville, AR
Hot Springs, AR
Hot Springs, AR
Ashdown, AR
DeQueen, AR
Waldron, AR
Idabel, 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.

402 West Collin Raye Drive
P. O. Box 970
71832-0970
CEO/Pres: Gary L. Golden

DeQueen, AR
DeQueen, AR

Ninety-First Report

123

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.
DeWitt Bank and Trust Insurance Company, Inc.

DeWitt, AR
DeWitt, AR
DeWitt, AR

M & F Financial Corporation
Dumas, AR
RSSD Number: 1099506
VOICE: (870) 382-4311
FAX: (870) 382-5901
Chm/CEO: L. Ashton Adcock
Pres: J. Michael Jones

130 West Waterman
P. O. Box 187
71639-0187
Treas/Sec: Betty B. Trites

Subsidiaries:
Merchants & Farmers Bank

Dumas, AR

First Financial Banc Corporation
El Dorado, AR
RSSD Number: 2568102
VOICE: (870) 863-7000
FAX: (870) 881-5393
CEO/Pres: J. Stephen Cameron
CFO: Melissa Jerry

214 North Washington Street
P. O. Box 1754
71730-1754
COO: Jerry Bullard
Sec: Debra Martin

Subsidiaries:
First Financial Bank
First Title Services, Inc.
First Union Corporation
First Financial Banc Mortgage Corporation
First Financial Banc Corporation Statutory Trust I
First Financial Banc Corporation Statutory Trust II

El Dorado, AR
El Dorado, AR
El Dorado, AR
El Dorado, AR
Hartford, CT
Hartford, CT

Arkansas State Bank Department

124

Timberland Bancshares, Inc.
El Dorado, AR
RSSD Number: 3025246
VOICE: (870) 862-5900
FAX: (870) 862-5432

2421 North West Avenue
P. O. Box 7205
71731-7205

CEO/Pres: Tandy Menefee
EVP: Mark Turner

SVP: Carolyn Beavers

Subsidiaries:
Timberland Bank

El Dorado, AR

MHBC Investments Limited Partnership, I
England, AR
RSSD Number: 2795083
VOICE: (501) 842-2555
FAX: (501) 842-2422

123 South Main Street
P.O. Box 70
72046

Chm/CEO/Pres: Gary Canada
Subsidiaries:
Bank of England
Bank of England Mortgage Company
Lonoke Banking Center Title Company

England, AR
Little Rock, AR
Lonoke, AR

Delta Bancshares of Louisiana, Inc.
Eudora, AR
RSSD Number: 2806662
VOICE: (870) 355-8311
FAX: (870) 355-8509
Chm: Charles F. Poole
Subsidiaries:
The Eudora Bank
West Carroll Community Bank

111 North Main Street
P. O. Box 250
71640-0250
Pres: Gene Keith

Eudora, AR
Oak Grove, LA

Ninety-First Report

125

Eureka Bancshares, Inc.
Eureka Springs, AR
RSSD Number: 2941769
VOICE: (479) 253-8241
FAX: (479) 253-6947

70 South Main
P. O. Box 309
72632-0309

Bank Holding Company
John F. Cross Family Limited Partnership II, Eureka Springs, AR
Chm/CEO/Pres: John F. Cross
Subsidiaries:
Bank of Eureka Springs

Eureka Springs, AR

JFC, Inc.
Eureka Springs, AR
RSSD Number: 2941750
VOICE: (479) 253-3000
FAX: (479) 253-3004

70 South Main
P. O. Box 309
72632-0309

Pres: John F. Cross
Subsidiaries:
John F. Cross Family Limited Partnership II
Eureka Bancshares, Inc.
Bank of Eureka Springs

Eureka Springs, AR
Eureka Springs, AR
Eureka Springs, AR

John F. Cross Family Limited Partnership II
Eureka Springs, AR
RSSD Number: 2941741
VOICE: (479) 253-8241
FAX: (479) 253-6947

70 South Main
P. O. Box 309
72632-0309
Bank Holding Company
JFC, Inc., Eureka Springs, AR

Pres: John F. Cross
Subsidiaries:
Eureka Bancshares, Inc.
Bank of Eureka Springs

Eureka Springs, AR
Eureka Springs, AR

Arkansas State Bank Department

126

Community Investment, Inc.
Fayetteville, AR
RSSD Number: 1099524
VOICE: (479) 973-2265
FAX: (479) 973-2201

1685 East Joyce Boulevard
72703
Bank Holding Company
Chambers Bancshares, Inc., Danville, AR

Chm/CEO/Pres: Robert Y. Taylor
Subsidiaries:
Chambers Bank of North Arkansas

Fayetteville, AR

White River Bancshares Company
Fayetteville, AR
RSSD Number: 3306589
VOICE: (479) 575-0867
FAX: (479) 575-0823

2901 East Zion Road, Suite 11
P.O. Box 8550
72703

Bank Holding Company
Community First Bancshares, Inc., Harrison, AR
Home BancShares, Inc., Conway, AR
Chm/CEO/Pres: Gary R. Head
CFO: Michael E. Hill

CCO: Dan Hendricks
COO: Marilyn K. Hendricks

Subsidiaries:
Signature Bank of Arkansas

Fayetteville, AR

FBT Bancshares, Inc.
Fordyce, AR
RSSD Number: 1099092
VOICE: (870) 352-3107
FAX: (870) 352-5202
Chm/CEO/Pres: James V. Hulse, Jr.
EVP: Don Lyle
Subsidiaries:
Fordyce Bank & Trust Company

200 West 4th Street
71742-2202
EVP/Sec: Suzette Crutchfield
SVP/Treas: Wanda Smurl

Fordyce, AR

Ninety-First Report

127

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.

Sec: Niki Harrison

Subsidiaries:
The First National Bank of Fort Smith
Bank of Rogers
Citizens Bank & Trust Company
PMF, Inc.
National Bank of Sallisaw
Brown-Hiller, Inc.
Realty Appraisals, Inc.
Brown Hiller Clark, Inc.

Fort Smith, AR
Rogers, AR
Van Buren, AR
Van Buren, AR
Sallisaw, OK
Fort Smith, AR
Fort Smith, AR
Sallisaw, OK

Planters & Merchants Bancshares, Inc.
Gillett, AR
RSSD Number: 1491511
VOICE: (870) 548-2211
FAX: (870) 548-2220
Chm: Frank C. Wolfe

210 West Main
P. O. Box 357
72055-0357
CEO/Pres: Larry E. Bauer

Subsidiaries:
Planters & Merchants Bank
P & M Real Estate, Inc.

Gillett, AR
Gillett, AR

Bainum Bancorp
Glenwood, AR
RSSD Number: 1399792
VOICE: (870) 356-2121
FAX: (870) 356-2211
Chm: Timothy E. Bainum
VP: Evea J. Bainum
Subsidiaries:
Arkansas Diamond Bank

205 Hwy 70E
P. O. Box 500
71943-0500
VP: Harold A. Smith
Treas/Sec: Lynda Robbins

Glenwood, AR

Arkansas State Bank Department

128

Bainum Bancorp II
Glenwood, AR
RSSD Number: 1491333
VOICE: (870) 356-2121
FAX: (870) 356-2211

205 Hwy 70 East
P. O. Box 500
71943

Chm: Duke Bainum
VP: Evea J. Bainum

VP: John A. Ross
Treas/Sec: Lynda Robbins

Subsidiaries:
Diamond State Bank
Diamond State Insurance Agency

Murfreesboro, AR
Murfreesboro, AR

Gravett Bancshares, Inc.
Gravette, AR
RSSD Number: 3143953
VOICE: (479) 787-5251
FAX: (479) 787-6102
Chm/Pres: John R. Meade
EVP/Sec: David N. Wills

211 South East Main Street
P.O. Box 149
72736-0149
VP: Jim A. Edmondson

Subsidiaries:
Bank of Gravett

Gravette, AR

First Service Bancshares, Inc.
Greenbrier, AR
RSSD Number: 1137266
VOICE: (501) 679-7300
FAX: (501) 679-6461
CEO/Pres: Thomas H. Grumbles
Treas/Sec: Daniel C. Horton
Subsidiaries:
First Service Bank

134 Broadview
P.O. Box 430
72058
Sec: Kenneth Barnard
Sec: Veronica Studards

Greenbrier, AR

Ninety-First Report

129

Peoples Home Holding, Inc.
Greenbrier, AR
RSSD Number: 3029196
VOICE: (501) 679-7283
FAX: (501) 679-7745
Chm/Pres: John Stacks
VP: Joe Benton

61 A South Broadview
P. O. Box 307
72058
VP: Bill Hannah
Sec: Terry Milam

Subsidiaries:
Home Bank of Arkansas
HomeBank Insurance Agency

Portland, AR
Greenbrier, AR

Wilkinson Banking Corporation
Greenwood, AR
RSSD Number: 1417511
VOICE: (479) 996-4171
FAX: (479) 996-6700
Chm: Elizabeth Wilkinson

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
Pres: Dave C. Morton
Subsidiaries:
White River Bancshares Company
Signature Bank of Arkansas
Community First Bank
Community First AR Statutory Trust I
Mobius Technology Consulting, LLC

200 East Ridge
P. O. Box 913
72602-0913
Sec: Dan R. Bowers

Fayetteville, AR
Fayetteville, AR
Harrison, AR
Harrison, AR
Springfield, MO

Arkansas State Bank Department

130

First National Bancshares of Hempstead County, Inc.
Hope, AR
RSSD Number: 1100224
VOICE: (870) 777-2363
FAX: (870) 777-5597

200 East Third Street
P. O. Box 520
71802-0520

Bank Holding Company
First National Security Company, DeQueen, AR
Chm/CEO/Pres: Thomas E. Hays, Jr.

VP: Charles E. Sharpe, Jr.

Subsidiaries:
Bank of Blevins
The First National Bank of Hope
The First National Bank of Lewisville

Blevins, AR
Hope, AR
Lewisville, AR

Pioneer Bancshares, Inc. of Horatio, Arkansas
Horatio, AR
RSSD Number: 1139091
VOICE: (870) 832-2501
FAX: (870) 832-2577

123 Main Street
P. O. Box 347
71842-0347

Chm/CEO/Pres: Edith H. Smith
VP: C. E. Hendrix, Jr.

Treas/Sec: Carl E. Hendrix, III

Subsidiaries:
Horatio State Bank

Horatio, AR

Smith Associated Banking Corporation
Hot Springs, AR
RSSD Number: 1098004
VOICE: (501) 623-4292
FAX: (501) 623-4688

1801 Central Avenue, Suite B
71901

Chm/CEO/Pres: Richard T. Smith
Subsidiaries:
Bank of Salem
SABCO Insurance, Inc.
The Stephens Security Bank
Ouachita Properties, Inc.
Stephens Security Insurance Agency, Inc.

Salem, AR
Salem, AR
Stephens, AR
Stephens, AR
Stephens, AR

Ninety-First Report

131

First Arkansas BancShares, Inc.
Jacksonville, AR
RSSD Number: 1096550
VOICE: (501) 982-4511
FAX: (501) 982-5769

600 West Main Street
P. O. Box 827
72078-0827

Chm/CEO/Pres: Larry T. Wilson

EVP/Sec: Ken Southern

Subsidiaries:
First Arkansas Bank & Trust
First Arkansas Mortgage Company

Jacksonville, AR
Jacksonville, AR

American State Bank Corporation
Jonesboro, AR
RSSD Number: 2356886
VOICE: (870) 972-9800
FAX: (870) 930-9311

2201 Fair Park
P. O. Box 3080
72403

Chm/Pres: Frank Oldham
EVP: David Dudley

EVP: Steve Gramling
Treas/Sec: Judy Dacus

Subsidiaries:
American State Bank
American State Capital Trust I
American State Trust & Financial Services, Inc.

Jonesboro, AR
Jonesboro, AR
Jonesboro, AR

Arkansas State Bancshares, Inc.
Jonesboro, AR
RSSD Number: 2965934
VOICE: (870) 934-9000
FAX: (870) 268-1551

2901 E. Highland Drive
P. O. Box 7514
72401
Bank Holding Company
Liberty Bancshares, Inc., Jonesboro, AR

Chm/CEO: Wallace W. Fowler
Subsidiaries:
Liberty Bank of Arkansas

Sec: Lloyd McCracken, Jr.

Siloam Springs, AR

Arkansas State Bank Department

132

Heritage Capital Corporation
Jonesboro, AR
RSSD Number: 1143717
VOICE: (870) 802-2344
FAX: (870) 268-2033

2009 Browns Lane
P. O. Box 3020
72403-3020

Chm/CEO: Larry Grisham
Pres: Stephen C. May

Treas/Sec: Diane Steiling

Subsidiaries:
Heritage Bank

Jonesboro, AR

Liberty Bancshares, Inc.
Jonesboro, AR
RSSD Number: 3101784
VOICE: (870) 934-9000
FAX: (870) 268-1551

2901 East Highland Drive
P.O. Box 7514
72401

Chm/CEO: Wallace W. Fowler
Pres: Mark P. Fowler

VP: John C. Freeman
Sec: Lloyd H. McCracken, Jr.

Subsidiaries:
Arkansas State Bancshares, Inc.
Liberty Bank of Arkansas
Russellville Bancshares, Inc.
First Arkansas Valley Bank
Russellville Statutory Trust I
Liberty Bank of Arkansas
Freedom Insurance Group, Inc.
Town & Country Insurance Agency, Inc.
Liberty Statutory Trust 1
MSB Capital Trust I

Jonesboro, AR
Siloam Springs, AR
Jonesboro, AR
Russellville, AR
Jonesboro, AR
Jonesboro, AR
Jonesboro, AR
Jonesboro, AR
Jonesboro, AR
Jonesboro, AR

Russellville Bancshares, Inc.
Jonesboro, AR
RSSD Number: 3021220
VOICE: (870) 972-5866
FAX: (870) 268-1551

2901 East Highland Drive
P.O. Box 7514
72401
Bank Holding Company
Liberty Bancshares, Inc., Jonesboro, AR

Chm/Pres: Roy A. Reaves
VChm: Wallace W. Fowler
Subsidiaries:
First Arkansas Valley Bank
Russellville Statutory Trust I

Sec: Lloyd H. McCracken, Jr.

Russellville, AR
Jonesboro, AR

Ninety-First Report

133

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

Lake Village, AR
Lake Village, AR
Fayette, MS
Fayette, MS

Little River Bancshares, Inc.
Lepanto, AR
RSSD Number: 2463391
VOICE: (870) 475-2306
FAX: (870) 475-3070
Chm: Henry G. Watkins, III
Pres: Benjamin E. Perry

202 Greenwood Avenue
P. O. Box 340
72354-0340
Sec: Thomas M. Hargrove

Subsidiaries:
Little River Bank

Lepanto, AR

Arkansas Bankers' Bancorporation, Inc.
Little Rock, AR
RSSD Number: 1491650
VOICE: (501) 371-0535
FAX: (501) 375-2281
Chm: Thomas H. Grumbles
Subsidiaries:
Arkansas Bankers' Bank

1020 West Second Street
72201-2031
CEO/Pres: James N. Thomason

Little Rock, AR

Arkansas State Bank Department

134

Bank of the Ozarks, Inc.
Little Rock, AR
RSSD Number: 1097089
VOICE: (501) 978-2265
FAX: (501) 978-2205

12615 Chenal Parkway
P. O. Box 8811
72231-8811

Chm/CEO: George G. Gleason, II
VChm/Pres/COO: Mark D. Ross

CFO: Paul E. Moore

Subsidiaries:
Bank of the Ozarks
Ozark Capital Statutory Trust II
Ozark Capital Statutory Trust III
Ozark Capital Statutory Trust IV

Little Rock, AR
Hartford, CT
Wilmington, DE
Wilmington, DE

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

EVP: Bonnie Crocheron

Subsidiaries:
The Capital Bank

Little Rock, AR

Centennial Bancshares, Inc.
Little Rock, AR
RSSD Number: 3268436
VOICE: (501) 748-4800
FAX: (501) 748-4855
CEO/Pres: Christopher S. Roberts
Subsidiaries:
Centennial Bank

8201 Cantrell Road, Suite 265
72227
EVP/COO: John T. Olaimey

Kingsland, AR

Ninety-First Report

135

Delta Trust & Banking Corporation
Little Rock, AR
RSSD Number: 2834115
VOICE: (501) 907-2298
FAX: (501) 907-2299

11700 Cantrell Road
P. O. Box 17607
72222

Chm/CEO: J. French Hill
EVP: Carroll Penick

Sec: Carolyn F. Warner

Subsidiaries:
Delta Trust & Bank
Delta Trust Investments, Inc.
Moore Mortgage Inc.
Turtle Creek Mortgage, Inc.
Delta Trust Insurance Agency, Inc.

Parkdale, AR
Little Rock, AR
Little Rock, AR
Dallas, TX
Parkdale, AR

Lake Hamilton Enterprises, Inc.
Little Rock, AR
RSSD Number: 1094864
VOICE: (501) 562-3894
FAX: (501) 562-2611

2311 Biscayne, Suite 300
P. O. Box 4216
72227

Chm/Pres: Paul D. Eaton
CFO/VP/Treas: John M. Henry

Sec: John B. Eaton

Subsidiaries:
The Bank of Harrisburg
First Team Bank

Harrisburg, AR
Heber Springs, AR

Little Rock Bankshares, Inc.
Little Rock, AR
RSSD Number: 2617082
VOICE: (501) 376-0800
FAX: (501) 374-7937
Chm/CEO: Eugene L. Maris
Pres: George G. Worthen
Subsidiaries:
Bank of Little Rock
BLR Mortgage Corp.
Hallmark Loan & Inv. Co.

200 North State Street
P. O. Box 34090
72203
EVP: Larry R. Brown
SVP/Cash: Lee A. Swearingen

Little Rock, AR
Little Rock, AR
Little Rock, AR

Arkansas State Bank Department

136

Pulaski Investment Corporation
Little Rock, AR
RSSD Number: 1095423
VOICE: (501) 661-7700
FAX: (501) 661-7861

5800 R Street
P. O. Box 7299
72217-7299

Chm: James C. East
CEO: J. Hunter East

Pres: Robert C. Magee

Subsidiaries:
Pulaski Bank And Trust Company
Asset Exchange, Inc.
Directors Properties, Inc.
Lenders Title Company
PMC Mortgage Company
Pulaski Building, Inc.
Pulaski Insurance Agency, Inc.
Pulaski Mortgage Company
Pulaski Services, Inc.
Pulaski Capital Trust

Little Rock, AR
Little Rock, AR
Little Rock, AR
Little Rock, AR
Little Rock, AR
Little Rock, AR
Little Rock, AR
Little Rock, AR
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
Little Rock Title Company
Riverside Mortgage Company, Inc.

Sparkman, AR
Little Rock, AR
Little Rock, AR

State Holding Company
Little Rock, AR
RSSD Number: 1100046
VOICE: (501) 223-2000
FAX: (501) 223-0373
Chm: Harry L. Hastings, Jr.
CEO/Pres: Catherine H. Owen
Subsidiaries:
Heber Springs State Bank
Eagle Development Company North
Eagle Bank & Trust Company
Eagle Development Company South
State Mortgage Company

650 South Shackleford, Suite 150
P. O. Box 22120
72221-2120
EVP: Paul Castleberry
Sec: Randall K. Herlocker

Heber Springs, AR
Heber Springs, AR
Little Rock, AR
Little Rock, AR
Little Rock, AR

Ninety-First Report

137

Lonoke Bancshares, Inc.
Lonoke, AR
RSSD Number: 1491614
VOICE: (501) 676-3106
FAX: (501) 676-5046
Chm: Neil Bennett, Jr.
CEO: David R. Estes

101 South Center Street
P. O. Box 320
72086-0320
Sec: Karen K. Hardke

Subsidiaries:
First State Bank
First State Land Co., Inc.
Lonoke Statutory Trust I

Lonoke, AR
Lonoke, AR
Lonoke, AR

Golden Oaks Bancshares, Inc.
Magnolia, AR
RSSD Number: 1098684
VOICE: (870) 234-5777
FAX: (870) 234-3384
Chm: S. Clark Fincher
VChm: Harold H. Fincher

500 North Jackson Street
P. O. Box 340
71754-0340
Pres: Mary L. Fowler

Subsidiaries:
The Peoples Bank

Magnolia, AR

Magnolia Banking Corporation
Magnolia, AR
RSSD Number: 1135413
VOICE: (870) 235-7000
FAX: (870) 235-7010
Chm/CEO/Pres: Bob L. Burns
VP: Steve Keith

200 East Main Street
P. O. Box 250
71754-0250
VP: Bruce D. Maloch
Sec: Mary W. Harsh

Subsidiaries:
Farmers Bank and Trust Company
FB&T Insurance Agency of South Arkansas, Inc.
Magnolia Properties, Inc.

Magnolia, AR
Magnolia, AR
Magnolia, AR

Arkansas State Bank Department

138

Southern State Bancshares, Inc.
Malvern, AR
RSSD Number: 2497396
VOICE: (501) 332-2462
FAX: (501) 332-8437

521 East Page
P. O. Box 340
72104-0340

Chm/CEO/Pres: Donald A. Walsh
EVP: Sue Stinnett

VP: Johnny Gibbs

Subsidiaries:
Southern State Bank

Malvern, AR

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

Sec: Thomas J. Anderson

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

214 Hester Parker Drive
P. O. Box 635
72365-0635

Chm: George E. Beley

Pres: Chris M. Lehman

Subsidiaries:
First Delta Bank

Marked Tree, AR

M. D. Thompson & Son Co.
McCrory, AR
RSSD Number: 1094967
VOICE: (870) 731-2526
FAX: (870) 731-2527
CEO/Pres: John G. Thompson
Subsidiaries:
Bank of McCrory

105 South Edmonds Avenue
P. O. Box 388
72101-0388
VP/Sec: H. Ripley Thompson

McCrory, AR

Ninety-First Report

139

Southeast Financial Bankstock Corporation
McGehee, AR
RSSD Number: 1096662
VOICE: (870) 222-3151
FAX: (870) 222-6159

301 North 2nd
P. O. Box 787
71654-0787

Pres: William W. Bowman
VP: John H. Potter, Jr.

Sec: James M. Smith

Subsidiaries:
McGehee Bank
McBank Realty

McGehee, AR
McGehee, AR

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

Mena, AR

Drew Bancshares, Inc.
Monticello, AR
RSSD Number: 1098198
VOICE: (870) 367-6221
FAX: (870) 367-7700
Chm: Bennie Ryburn, Jr.
Pres: George T. Harris
Subsidiaries:
Commercial Bank & Trust Company

212 West Gaines
P. O. Box 150
71657-0150
SVP: Michael Efird, Sr.
SVP: Rusty Smith

Monticello, AR

Arkansas State Bank Department

140

First Union Financial Corporation
Monticello, AR
RSSD Number: 1098880
VOICE: (870) 460-6400
FAX: (870) 460-6465

102 West McCloy
P. O. Box 270
71657-0270

Chm/CEO/Pres: Zach McClendon, Jr.
Subsidiaries:
Union Bank And Trust Company
First Union Insurance

Monticello, AR
Monticello, AR

Petit Jean Bancshares, Inc.
Morrilton, AR
RSSD Number: 2877402
VOICE: (501) 354-4988
FAX: (501) 354-6560

707 North Saint Joseph Street
P. O. Box 680
72110

Pres: Charles S. Penick
Subsidiaries:
Petit Jean State Bank

Morrilton, AR

Mountain View Bancshares, Inc.
Mountain View, AR
RSSD Number: 2317999
VOICE: (870) 269-3815
FAX: (870) 269-2899
CEO/Pres: James G. Hinkle
Subsidiaries:
Bank of Mountain View
Mountain View Aviation, LLC
Sylamore Properties, Inc.

121 East Main Street
P. O. Box 1228
72560-1228
Sec: Kenneth Sutton

Mountain View, AR
Mountain View, AR
Mountain View, AR

Ninety-First Report

141

Acme Holding Co., Inc. Employee Stock Ownership Plan (ESOP)
Mulberry, AR
RSSD Number: 2576424
VOICE: (479) 997-1154
FAX: (479) 997-1161

311 Main Street
P. O. Drawer A
72947-0480

CEO: Lex Golden

Pres: Alex Golden

Subsidiaries:
Acme Holding Company, Inc.
Allied Bank
General Mortgage Co.
Acme Statutory Trust I

Mulberry, AR
Mulberry, AR
Mulberry, 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
General Mortgage Co.
Acme Statutory Trust I

Mulberry, AR
Mulberry, AR
Mulberry, AR

M & P Community Bancshares, Inc.
Newport, AR
RSSD Number: 1491306
VOICE: (870) 523-3601
FAX: (870) 523-3473
Chm/CEO: Jim S. Gowen, Sr.
Pres/COO: Jim S. Gowen, Jr.

120 Hazel Street
P. O. Box 650
72112-0650
VP/Sec: Carla P. Stiger
Treas: Pat Davis

Subsidiaries:
Greers Ferry Lake State Bank
Merchants & Planters Bank
M & P Community Statutory Trust I
McCartney, Manning, McDonald, & Guinn Insurance, Inc.
Preferred Choice Financial Services, Inc.

Heber Springs, AR
Newport, AR
Newport, AR
Newport, AR
Newport, AR

Arkansas State Bank Department

142

Parkin Bancorp, Inc.
Parkin, AR
RSSD Number: 1142411
VOICE: (870) 755-5401
FAX: (870) 755-5648

123 West Parkin
P. O. Box 526
72373-0526

Chm/Pres: William N. Griffin

Sec: William N. Griffin, Jr.

Subsidiaries:
First State Bank

Parkin, AR

Perry County Bancshares, Inc.
Perryville, AR
RSSD Number: 1138674
VOICE: (501) 889-2318
FAX: (501) 889-5727

813 North Fourche Avenue
P. O. Box 189
72126-0189

Pres: Herby Branscum, Jr.

Sec: Robert M. Hill, Sr.

Subsidiaries:
Chart Bank
Perry County Bancshares Statutory Trust

Perryville, AR
Wilmington, DE

Piggott Bankstock, Inc.
Piggott, AR
RSSD Number: 1098321
VOICE: (870) 598-3802
FAX: (870) 598-2026

212 West Cherry Street
P. O. Box 307
72454-0307

Chm/CEO/Pres: Paula O. Blackwell
Subsidiaries:
Piggott State Bank

Piggott, AR

Ninety-First Report

143

Simmons First National Corporation
Pine Bluff, AR
RSSD Number: 1094828
VOICE: (870) 541-1000
FAX: (870) 541-1123

501 Main Street
P. O. Box 7009
71611-7009

Chm/CEO/Pres: J. Thomas May
EVP/COO: Barry L. Crow

SVP: Tommie K. Jones
SVP/CFO: Robert A. Fehlman

Subsidiaries:
Simmons First Bank of El Dorado, N. A.
Simmons First Bank of Hot Springs
Simmons First Bank of Jonesboro
Simmons First Bank of South Arkansas
Simmons First National Bank
Simmons First Investment Group
Simmons First Trust Company, N.A.
Simmons First Bank of Northwest Arkansas
Simmons First Bank of Russellville
Simmons First Bank of Searcy
Arkansas Fund, Inc.
Simmons First Capital Trust
Simmons First Capital Trust II
Simmons First Capital Trust III
Simmons First Capital Trust IV
Simmons First Mortgage Corporation

El Dorado, AR
Hot Springs, AR
Jonesboro, AR
Lake Village, AR
Pine Bluff, AR
Little Rock, AR
Pine Bluff, AR
Rogers, AR
Russellville, AR
Searcy, AR
Pine Bluff, AR
Pine Bluff, AR
Pine Bluff, AR
Pine Bluff, AR
Pine Bluff, AR
Pine Bluff, AR

Parkway Bankshares, Inc.
Portland, AR
RSSD Number: 1141188
VOICE: (870) 737-2226
FAX: (870) 737-4263

217 N. Main Street
P. O. Box 68
71663

Chm: Robert D. Pugh

CEO/Pres: Jerry Sadler

Subsidiaries:
Parkway Bank

Rogers, AR

Prescott Bancshares, Inc.
Prescott, AR
RSSD Number: 2236586
VOICE: (870) 887-2688
FAX: (870) 887-6822
Pres: John Warren Brannan, Jr.
EVP: James E. Franks
Subsidiaries:
Bank of Prescott

East Second at Main
P.O. Drawer 490
71857-0490
Treas/Sec: Karen McLelland

Prescott, AR

Arkansas State Bank Department

144

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

Sec: Leslie Harp

Subsidiaries:
First State Bank
Nimrod Real Estate, Inc.
First State Bank Capital Statutory Trust
FSB Capital Trust II

Russellville, AR
Plainview, AR
Hartford, CT
Wilmington, DE

First Security Bancorp
Searcy, AR
RSSD Number: 1096505
VOICE: (501) 279-3400
FAX: (501) 279-3486

314 North Spring
P. O. Box 1009
72145-1009

Chm/CEO/Pres: Reynie Rutledge
Subsidiaries:
First Security Bank of Clarksville
First Security Bank of Conway
First Security Bank of Mountain Home
Peoples Real Estate Management Co.
First Security Bank
First Security Investment Advisors, Inc.
First Security Real Estate Management, Inc.
FNBS Investments Inc.
Crews & Associates, Inc.
First Security Leasing, Inc.

Clarksville, AR
Conway, AR
Mountain Home, AR
Mountain Home, AR
Searcy, AR
Searcy, AR
Searcy, AR
Las Vegas, NV
Little Rock, AR
Little Rock, AR

Smackover Bancshares, Inc.
Smackover, AR
RSSD Number: 1098264
VOICE: (870) 725-3051
FAX: (870) 725-3049
CEO/Pres: Bob Willett
SVP: J. Drew Tennyson
Subsidiaries:
Smackover State Bank

708 North Broadway
P. O. Box 107
71762-0107
SVP: James B. Yeager
VP: Vicki Davis

Smackover, AR

Ninety-First Report

145

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
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

The Farmers and Merchants Bankshares, Inc.
Stuttgart, AR
RSSD Number: 1099672
VOICE: (870) 673-6911
FAX: (870) 672-4282
Chm: Roy O. McCollum, III
Subsidiaries:
The Farmers and Merchants Bank
F & M Realty, Inc.

708 South Main
P. O. Drawer 1010
72160-1010
CEO/Pres: Don Pattillo

Stuttgart, AR
Stuttgart, AR

Arkansas State Bank Department

146

Bradley Bancshares, Inc.
Warren, AR
RSSD Number: 1097463
VOICE: (870) 226-2601
FAX: (870) 226-2253
Chm/CEO: Bennie F. Ryburn, Jr.

104 South Main Street
P. O. Box 29
71671-0029
Pres: Freddie M. Mobley

Subsidiaries:
First State Bank of Warren

Warren, AR

Cross County Bancshares, Inc.
Wynne, AR
RSSD Number: 1131611
VOICE: (870) 238-8171
FAX: (870) 238-4052
Chm: Dr. Willard G. Burks
CEO/Pres: Mac McClanahan
Subsidiaries:
Cross County Bank

1 Cross County Plaza
P. O. Box 9
72396-0009
EVP: David Dowd
Treas/Sec: Shelia Stotts

Wynne, AR

Ninety-First Report

ABBREVIATIONS
Chm:
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
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

147

148

Arkansas State Bank Department

NOTES

Ninety-First Report

NOTES

149

150

Arkansas State Bank Department

NOTES