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REPORT OF THE BANK COMMISSIONER OF ARKANSAS 2008 MIKE BEEBE Governor CANDACE A. FRANKS Bank Commissioner Ninety-Fourth Report NINETY-FOURTH ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2008 Ninety-Fourth Report STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2008 Honorable Mike Beebe Governor of Arkansas Little Rock, Arkansas Governor Beebe: I am pleased to submit to you the Ninety-Fourth 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, 2008. The financial services industry continues to undergo change. Arkansas state chartered banks and trust companies continue to successfully meet the challenges of change and offer excellent financial services to the public. The State Bank Department maintains a Strategic Plan, which the Department’s employees develop on an annual basis. The mission of the State Bank Department is to allocate available human and other resources existing in our Examination, Information Technology and Administrative Services Divisions to ensure the continuance of safe and sound financial practices in state chartered financial institutions. We thank you for the support you and your staff provide and assure you of our continuing efforts to maintain the highest level of professionalism in the performance of our responsibilities. Cordially, Candace A. Franks Bank Commissioner Ninety-Fourth Report TABLE OF CONTENTS Legal Holidays................................................................................................................................................ 2 Commissioners of The Bank Department..................................................................................................... 3 State Banking Board...................................................................................................................................... 4 Departmental Roster...................................................................................................................................... 5 State Chartered Banks’ Corporate Name Changes/Relocations/ State Chartered Banks Merged.................................................................................................................. 9 New Branches Approved ............................................................................................................................ 10 Subchapter S Corporation Banks................................................................................................................ 12 Fiscal Report of The Bank Department....................................................................................................... 13 Federal Supervisory Agencies .................................................................................................................... 14 Trade Associations ...................................................................................................................................... 18 Consolidated Report of Condition Data State Chartered Banks ............................................................................................................................. 22 Consolidated Statement of State Chartered Trust Departments ......................................................................................................... 23 Consolidated Report of Condition Data National Banks .......................................................................................................................................... 24 Tier One Leverage Ratios For All Arkansas Commercial Banks ................................................................................................................... 25 National Banks ............................................................................................................................................. 29 Report of State Chartered Commercial Banks ........................................................................................... 31 Report of State Chartered Non-Profit Organization.................................................................................... 89 Report of State Chartered Trust Companies .............................................................................................. 91 Report of Regional/County Industrial Development Corporations ............................................................. 93 Report of Capital Development Company .................................................................................................. 95 Commercial Banks Listed by County .......................................................................................................... 97 Map of Arkansas Counties ........................................................................................................................ 103 Arkansas Bank Holding Companies ......................................................................................................... 105 Out of State Bank Holding Companies ..................................................................................................... 139 Abbreviations ............................................................................................................................................. 141 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-Fourth Report 3 COMMISSIONERS OF THE ARKANSAS STATE BANK DEPARTMENT Date of Appointment Date Service Ended No. Name 1. John M. Davis.............................. October 6, 1913 October 3, 1918 2. A. J. Reap .................................... October 3, 1918 March 22, 1919 3. W. T. Maxwell ............................... March 22, 1919 September 1, 1921 4. Charles McKee....................... September 1, 1921 July 28, 1925 5. Loid Rainwater..................................July 28, 1925 February 8, 1927 6. Walter E. Taylor..........................February 8, 1927 January 10, 1933 7. Marion Wasson ......................... January 10, 1933 January 12, 1937 8. Grover S. Jernigan .................... January 12, 1937 January 14, 1941 9. Thomas W. Leggett................... January 14, 1941 February 1, 1949 10. S. J. Dean ...................................February 1, 1949 December 31, 1949 11. Ed. I. McKinley, Jr. ................ December 31, 1949 March 14, 1953 12. A. R. Merritt................................... March 14, 1953 February 8, 1955 13. Dick Simpson..............................February 8, 1955 March 2, 1967 14. H. C. Adams ................................... March 3, 1967 March 16, 1979 15. Don R. Clark (Acting) ................... March 16, 1979 April 19, 1979 16. B. J. Lambert, Jr. ............................. April 19, 1979 April 15, 1983 17. Marlin D. Jackson............................ April 15, 1983 October 1, 1987 18. Bill J. Ford.................................... October 1, 1987 July 31, 1998 19. Frank White ...................................August 1, 1998 May 21, 2003 20. Bunny Adcock ................................ June 23, 2003 June 11, 2007 21. Candace A. Franks ........................ June 13, 2007 …………….... Arkansas State Bank Department 4 STATE BANKING BOARD MEMBERS Mr. David Short Chairman Arvest Bank P.O. Box 1229 Bentonville, AR 72712 VOICE: (479) 273-3331 FAX: (479) 271-1315 TERM EXPIRES: 12-31-08 Mr. Elmer Flucht Vice Chairman #8 South Deer Lane Mayflower, AR 72106 VOICE: (501) 470-1752 TERM EXPIRES: 12-31-08 Ms. Margie Russ 1505 Harper Street Magnolia, AR 71753 VOICE: (870) 234-6291 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 Mr. John Freeman Liberty Bank of Arkansas P.O. Box 7514 Jonesboro, AR 72403-7514 VOICE: (870) 934-9000 FAX: (870) 268-1525 TERM EXPIRES: 12-31-10 Mr. Creed Spann P.O. Box 21670 Hot Springs, AR 71903 VOICE: (501) 525-2733 FAX: (501) 525-1763 TERM EXPIRES: 12-31-11 Ninety-Fourth Report Arkansas State Bank Department 400 Hardin Road, Suite 100 Little Rock, AR 72211-3502 VOICE: (501) 324-9019 FAX: (501) 324-9028 www.arkansas.gov/bank/ DEPARTMENTAL ROSTER Candace Franks - Bank Commissioner Luther Guinn - Deputy Bank Commissioner Examination, Supervision and Regulation Personnel/Examination Regulatory Enforcement Actions State Banking Board Susannah T. Marshall – Deputy Bank Commissioner Application Information Examination, Supervision and Regulation Personnel/Examination Regulatory Enforcement Actions P. Brent Taylor – Staff Attorney Complaints Inquiries Legal Filings Barbara A. Mahoney – Management Project Analyst Certificates of Good Standing Charter Amendments and Charter Information Rules and Regulations Manual EXAMINATION AND SUPERVISION DIVISION H. Wilks Marshall, Jr. and Richard D. Buzbee Chief Examiners Regulatory Examinations/Regulatory and Banking Procedures Bank Performance Evaluation and Monitoring Division Personnel/Recruitment and Management Larry M. Hillyard and Baker L. Moseley Assistant Chief Examiners Regulatory Examination/Problem Bank Performance Evaluation And Monitoring Gary W. Bush Jeffery A. Cameron John K. Householder Ken Leavell Thomas M. Narrell Mary C. Pennebaker Michael G. Saunders - Regional Supervisor (Little Rock) Information Systems Supervisor Regional Supervisor (Jonesboro) Regional Supervisor (Northwest Arkansas) Trust Supervisor Bank Holding Company Supervisor Regional Supervisor (Little Rock) 5 Arkansas State Bank Department 6 John W. Ashby – Bank Review Administrator Gregg Qualls Commissioned Senior Examiner Cara K. Lank – Commissioned Senior Examiner Kevin C. Mosley – Commissioned Senior Examiner Self Examination Bank Reports of Condition and Income Bank Holding Company Reports of Condition and Income Research and Financial Analysis Public Information Requests Application Analysis Consumer Complaints Richard Plotkin – Bank Review Administrator/Training Jacklyn G. Powell – Training Manager 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 – Agency Program Coordinator Devan E. May – Agency Program Coordinator Sharon Hacker – Management Project Analyst Accounting and Employee Services Expense Disbursement Budget and Personnel Payroll Performance Evaluation Purchasing Cynthia L. Nixon - Management Project Analyst Supervisor Lori A. Morrison - Accountant Jane R. English - Administrative Assistant II Martha A. Guinn - Administrative Assistant Il Kimberly A. Brown - Administrative Assistant II Administrative Support Examination Support and Processing Data Entry Ninety-Fourth Report EXAMINATION PERSONNEL NORTHWEST ARKANSAS OFFICE 777 Mathias Drive, Suite A Springdale, AR 72762-0739 VOICE: (479) 751-5543 FAX: (479) 751-5815 NWArkansas@banking.state.ar.us Ken Leavell Regional Supervisor Evelyn M. Wade – Bank Senior Examiner Neal R. Elliott – Bank Senior Examiner Landi S. Mkhize – Bank Senior Examiner J. Hunter Norton – Bank Senior Examiner Mac Tatman – Bank Senior Examiner Rebecca M. Burns – Financial Examiner I Brandon T. Mathis – 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 K. Householder Regional Supervisor William R. Milum Bank Senior Examiner R. D. Jackson – Commissioned Senior Examiner Shaun G. Perkins – Commissioned Senior Examiner Chris A. Dillon – Commissioned Senior Examiner W. Kent Darr – Bank Senior Examiner W. Nathan Elliott – Bank Senior Examiner Jason M. Corder – Financial Examiner lI 7 8 Arkansas State Bank Department LITTLE ROCK OFFICE Gary W. Bush Regional Supervisor Robert M. Henry Commissioned Senior Examiner David J. Raymond – Bank Senior Examiner David G. Coleman – Bank Senior Examiner Mark G. Rye – Bank Senior Examiner Matthew A. Rose – Bank Senior Examiner Robert K. McDonald – Financial Examiner I Michael G. Saunders – Regional Supervisor Luke B. Webre – Commissioned Senior Examiner Kelly M. Victory – Commissioned Senior Examiner Dharmin H. Patel – Bank Senior Examiner Tyler H. Choate – Financial Examiner lI Brandon R. Scallion – Financial Examiner lI Chirs K. Davis – Financial Examiner Trainee BANK HOLDING COMPANY Mary C. Pennebaker BHC Supervisor Thomas L. Cook – Commissioned Senior Examiner Jerry C. Corrothers – Commissioned Senior Examiner TRUST Thomas M. Narrell - Trust Supervisor Jamie A. Bazarow – Commissioned Senior Examiner Stacey D. Leder – Bank Senior Examiner INFORMATION SYSTEMS Jeffrey A. Cameron – IS Supervisor Michael L. Green - Commissioned Senior Examiner Carey W. Sharp – Commissioned Senior Examiner Ninety-Fourth Report STATE CHARTERED BANKS' CORPORATE NAME CHANGES/RELOCATIONS BANK NEW NAME/LOCATION Centennial Bank Kingsland Centennial Bank Little Rock STATE CHARTERED BANKS MERGED FROM JULY 1, 2007, TO JUNE 30, 2008 BANK MERGED INTO Southern State Bank Malvern Farmers Bank and Trust Company Magnolia First Security Bank of Mountain Home Mountain Home First Security Bank Searcy Chart Bank Perryville The Farmers and Merchants Bank Stuttgart 9 Arkansas State Bank Department 10 BRANCHES APPROVED FROM JULY 1, 2007, TO JUNE 30, 2008 BANK LOCATION Summit Bank Arkadelphia Hwy 5 at Main Street Bryant Summit Bank Arkadelphia 1800 N. Taylor Little Rock Community Bank Cabot Hwy 5 at Greystone Boulevard Cabot First State Bank Conway Mobile Branch Cleburne County First State Bank Conway 100 S. St. Joseph Street Morrilton Arvest Bank Fayetteville Hwy 64 & Rudy Road Alma Arvest Bank Fayetteville Kelly Hwy & I-540 Fort Smith Arvest Bank Fayetteville 1404A Hwy 62/65 North Harrison Arvest Bank Fayetteville 13800 Cantrell Little Rock Arvest Bank Fayetteville 139 Gage Drive Hollister, MO Arvest Bank Fayetteville 2403 W. Republic Road Springfield, MO Arvest Bank Fayetteville 11207 S. State Hwy 51 Coweta, OK Arvest Bank Fayetteville 1133 N. Bryant Avenue Edmond, OK Arvest Bank Fayetteville 542 N. Main Stillwater, OK Ninety-Fourth Report 11 BANK LOCATION Arvest Bank Fayetteville 5311 W. 6th Avenue Stillwater, OK The Bank of Fayetteville Fayetteville 257 W. Main Farmington Twin Lakes Community Bank Flippin Lot 6 West End Subdivision Hwy 62 W. Mountain Home Twin Lakes Community Bank Flippin Hwy 5 S. & Wolf Street Norfork First Arkansas Bank & Trust Jacksonville 1685 E. Main Austin First Arkansas Bank & Trust Jacksonville 9250 Hwy 107 Sherwood Bank of the Ozarks Little Rock 325 W. Capitol Little Rock Centennial Bank Little Rock 5100 Kavanaugh Little Rock Petit Jean State Bank Morrilton 1620 University Boulevard Morrilton Allied Bank Mulberry 5701 Kavanaugh Little Rock Diamond Bank Murfreesboro 1200 Airport Road Hot Springs Diamond Bank Murfreesboro 2350 Malvern Avenue Hot Springs First Security Bank Searcy 1030 E. Henri De Tonti Boulevard Tontitown Peoples Bank Sheridan 20409 Arch Street Hensley Arkansas State Bank Department 12 STATE CHARTERED SUBCHAPTER S CORPORATION BANKS BANK CITY Bank of Bearden Bearden Chambers Bank Danville Decatur State Bank Decatur Bank of Delight Delight First State Bank of DeQueen DeQueen Arkansas County Bank DeWitt First Financial Bank El Dorado Bank of Eureka Springs Eureka Springs Bank of Gravett Gravette First Service Bank Greenbrier First State Bank of Northwest Arkansas Huntsville First Arkansas Bank & Trust Jacksonville Little River Bank Lepanto Farmers Bank and Trust Company Magnolia The Peoples Bank Magnolia McGehee Bank McGehee The Union Bank of Mena Mena Commercial Bank & Trust Company Monticello Allied Bank Mulberry Diamond Bank Murfreesboro The Bank of Rison Rison Riverside Bank Sparkman Bank of Star City Star City Warren Bank and Trust Company Warren Ninety-Fourth Report 13 The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 2007 through June 30, 2008. RECEIPTS Cash Balance June 30, 2007...................................................... $4,003,440.76 Examination and Assessment Fees ........................7,320,578.36 Charter and Amendment Fees ...................................111,525.00 Miscellaneous Fees ........................................................ 4,928.06 Reimbursement for M & R Sales .................................. 19,994.19 Refund to Expenditures Prior Year ............................ 35,604.29 Refund to Expenditures Current Year ....................... 19,315.72 Total Receipts 7,511,945.62 $11,515,386.38 DISBURSEMENTS Salaries.....................................................................4,210,354.12 Extra Help Salaries ................................................................ 0.00 Maintenance and General Operations.....................1,046,115.00 S.S., Retirement and Insurance Matching ................................................................1,126,956.62 Conference Fees and Travel ......................................294,109.78 Professional Fees and Services ................................... 32,450.42 Capital Outlay..............................................................199,371.71 Refunds Issued ...................................................................... 0.00 Service Charge by State Treasurer ............................111,481.57 Total Disbursements 7,020,839.22 Cash Balance June 30, 2008 4,494,547.16 $11,515,386.38 14 Arkansas State Bank Department FEDERAL DEPOSIT INSURANCE CORPORATION Dallas Regional Office 1601 Bryan Street Dallas, Texas 75201 VOICE: (214) 754-0098 FAX: (972) 761-2082 http://www.fdic.gov Thomas J. Dujenski.........Regional Director – Supervision/Consumer Protection M. Anthony Lowe ........................... Deputy Regional Director/Risk Management Julie Banfield .............................................Deputy Regional Director/Compliance Cheryl Couch.............................................................. Assistant Regional Director Mark Taylor................................................................. Assistant Regional Director Joseph A. Meade ....................................................... Assistant Regional Director Stephen Zachary....................................................................... Regional Counsel Memphis Area Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 VOICE: (901) 685-1603 FAX: (901) 821-5308 Wayne Nichols ........................................................... Assistant Regional Director Little Rock Field Office Financial Centre III Building 900 South Shackleford Road, Suite 500 Little Rock, Arkansas 72211 VOICE: (501) 228-6346 FAX: (501) 228-6568 Mark Evans.................................................... Field Supervisor/Risk Management Linda Wallace.......................................................... Field Supervisor/Compliance Memphis Field Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 VOICE: (901) 685-1603 FAX: (901) 818-1645 Dana A. English............................................. Field Supervisor/Risk Management Linda Wallace.......................................................... Field Supervisor/Compliance Shreveport Field Office Southpointe Center 3007 Knight Street, Suite 300 Shreveport, Louisiana 71105-2525 VOICE: (318) 868-6661 FAX: (318) 868-7870 Terry Michlitsch ............................................. Field Supervisor/Risk Management Sandra Jesberger.................................................... Field Supervisor/Compliance Ninety-Fourth Report FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 411 Locust Street P. O. Box 442 St. Louis, Missouri 63166 VOICE: (314) 444-8444 FAX: (314) 444-8740 http://www.stls.frb.org James B. Bullard .......................................................................................... President David A. Sapenaro .......................................................................First Vice President Karl W. Ashman ....................................................................... Senior Vice President Mary H. Karr ............................................................................. Senior Vice President General Counsel & Corporate Secretary Robert H. Rasche..................................................................... Senior Vice President Judie Courtney ......................................................................... Senior Vice President Treasury Relations & Office Support Julie L. Stackhouse .................................................................. Senior Vice President Banking Supervision, Credit and Center for Online Learning Richard G. Anderson ...........................................................................Vice President & Research Automation Advisor John P. Baumgartner ...........................................................................Vice President Cash Management/Administration Timothy A. Bosch ................................................................................. Vice President Banking Supervision Marilyn K. Corona ................................................................................ Vice President Financial Management Cletus C. Coughlin ............................................................................... Vice President & Deputy Director of Research William T. Gavin ................................................................................... Vice President & Research Coordinator Jean M. Lovati ...................................................................................... Vice President Human Resources Michael J. Mueller ................................................................................ Vice President Support Services Kim D. Nelson ......................................................................................Vice President Risk Management, Statistics, Credit & Payment Applications 15 16 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 & Economic Advisor Michael D. Renfro ..............................................................................General Auditor Audit Little Rock Branch 111 Center Street Suite 1000 (10th Floor) Little Rock, Arkansas 72201 VOICE: (501) 324-8300 FAX: (501) 324-8201 Robert A. Hopkins .................................................................Senior Branch Executive Memphis Branch 200 North Main Street P. O. Box 407 Memphis, Tennessee 38101-0407 VOICE: (901) 523-7171 FAX: (901) 579-2406 Martha L. Perine-Beard.........................................................Senior Branch Executive Louisville Branch 101 South 5th Street, Suite 1920 Louisville, Kentucky 40202 VOICE: (502) 568-9200 FAX: (502) 568-9247 Maria G. Hampton.................................................................Senior Branch Executive Ninety-Fourth Report COMPTROLLER OF THE CURRENCY Southern District Office 500 North Akard, Suite 1600 Dallas, Texas 75201-3323 VOICE: (214) 720-0656 FAX: (214) 720-7000 http://www.occ.treas.gov Gilbert D. Barker........................................................................ Deputy Comptroller Janice J. McQuary .................................................... Assistant Deputy Comptroller Randall M. Ryskamp........................................................................District Counsel Karen Bryant .............................................................................. Licensing Manager Little Rock Field Office Ozark National Life Building 10201 West Markham, Suite 105 Little Rock, Arkansas 722052180 VOICE: (501) 225-7228 FAX: (501) 225-2711 F. Christian Dunn ...................................................... Assistant Deputy Comptroller Memphis Field Office (Satellite Office of Arkansas Field Office) Kimbrough Building, Suite 309 57 Germantown Court Cordova, Tennessee 38018-4268 VOICE: (901) 624-5154 FAX: (901) 624-5822 F. Christian Dunn ...................................................... Assistant Deputy Comptroller Central and Western Oklahoma Field Office The Harvey Parkway Building rd 301 NW 63 Street, Suite 490 Oklahoma City, Oklahoma 73116-7909 VOICE: (405) 8488058 FAX: (405) 848-8085 Kyle M. Jones............................................................ Assistant Deputy Comptroller Eastern Oklahoma Field Office Executive Center Building 7134 South Yale, Suite 910 Tulsa, Oklahoma 74136-6360 VOICE: (918) 492-2082 FAX: (918) 492-2092 Leigh R. Hoge ........................................................... Assistant Deputy Comptroller 17 18 Arkansas State Bank Department ARKANSAS BANKERS ASSOCIATION 1220 West Third Street Little Rock, Arkansas 72201 VOICE: (501) 376-3741 FAX: (501) 376-9243 http://www.arkbankers.org Ken D. Hammonds........................................................................ President & CEO Joe Miles ................................................................................................... Chairman President First National Bank & Trust, Mountain Home Tandy Menefee ..............................................................................Chairman - Elect President & CEO Timberland Bank, El Dorado Reynie Rutledge................................................................................ Vice Chairman Chairman First Security Bank, Searcy Jimmy Thomason...................................................................................... Treasurer President & CEO Arkansas Bankers’ Bank, Little Rock John Womack....................................................................................Past Chairman President & CEO of Arvest Bank – Fort Smith Office Arvest Bank, Fayetteville Ninety-Fourth Report EMERGING LEADERS SECTION OFFICERS (formerly Young Bankers Section) Adam Mitchell.............................................................................................President Vice President of Simmons First National Bank – Little Rock Office Simmons First National Bank, Pine Bluff Joe Blanks .............................................................................. Senior Vice President Vice President Pine Bluff National Bank, Pine Bluff Paul McAnally.....................................................................................Vice President Vice President Bank of Trumann, Trumann Chip Blanchard......................................................................... Secretary/Treasurer Vice President Metropolitan National Bank, Fayetteville Matthew Gill....................................................................................... Past President Vice President Legacy National Bank, Springdale 19 20 Arkansas State Bank Department ARKANSAS COMMUNITY BANKERS ASSOCIATION P. O. Box 20210 Hot Springs, Arkansas 71903-0210 VOICE: (800) 771-1634 FAX: (501) 525-0637 EMail: info@acbonline.org http://www.acbonline.org Richard Trammell...........................................................................Executive Director Milton Smith.................................................................................................. President First National Bank of Lawrence County, Walnut Ridge Cole Martin ........................................................................................... Vice President First Security Bank, Searcy; Clarksville Office George Worthen...........................................................................................Treasurer Bank of Little Rock, Little Rock Don Walsh .................................................................................................... Secretary Farmers Bank and Trust Company, Magnolia Ninety-Fourth Report CONFERENCE OF STATE BANK SUPERVISORS 1155 Connecticut Avenue, NW, 5th Floor Washington, DC 20036 VOICE: (202) 296-2840 FAX: (202) 296-1928 http://www.csbs.org Neil Milner.........................................................................................President & CEO John Ryan ...........................................................................Executive Vice President Sharon Bias ............................................................................. Chief Financial Officer Cecelia Smith ................................................Executive Assistant/Office Coordinator Mary White .............................................................. Vice President/Communications Roger Stromberg.......................... Senior Vice President/Professional Development Georgia High ........................................Vice President, Accreditation & Certification/ Professional Development John “Buz” Gorman........................................................General Counsel/Legislative Ed Smith ........................................... Vice President, Membership & Bank Relations Mary Beth Quist................................. Senior Vice President/Supervisory Processes Michael Stevens......................................... Senior Vice President/Regulatory Policy William “Bill” Matthews ......... Senior Vice President/State Regulatory Registry, LLC Chuck Cross.......................................Vice President/Mortgage/Regulatory Projects 21 Arkansas State Bank Department 22 CONSOLIDATED REPORT OF CONDITION DATA 110 STATE CHARTERED COMMERCIAL BANKS (in millions) ASSETS JUNE 30, 2008 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin....................................... $994 b. Interest-bearing balances .................................................................................... 317 Securities: a. Held to maturity .................................................................................................... 753 b. Available-for sale............................................................................................... 6,321 Federal funds sold and securities purchased under agreements to resell ..................................................... 433 Net Loans and Leases....................................................................................................26,194 Trading assets ......................................................................................................................... 3 Premises and fixed assets................................................................................................ 1,090 Other real estate owned ...................................................................................................... 138 Goodwill and other intangibles ............................................................................................ 850 All other assets ................................................................................................................. 1,040 Total assets...................................................................................................................$38,133 LIABILITIES Deposits: a. In domestic offices ........................................................................................$30,553 (1) Noninterest-bearing ....................................................................4,001 (2) Interest-bearing.........................................................................26,552 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 ...................................................... 686 Trading liabilities ...................................................................................................................... 0 Other borrowed money.....................................................................................................2,855 Subordinated notes and debentures ....................................................................................... 0 All other liabilities ................................................................................................................. 247 Total liabilities..................................................................................................................34,341 Minority interest in consolidated subsidiaries .......................................................................... 0 EQUITY CAPITAL Perpetual preferred stock ........................................................................................................ 4 Common stock....................................................................................................................... 24 Surplus .............................................................................................................................. 2,015 Undivided profits ............................................................................................................... 1,749 Total equity capital ............................................................................................................ 3,792 Total liabilities, minority interest and equity capital ..................................................... $38,133 Ninety-Fourth Report 23 CONSOLIDATED STATEMENT OF CONDITION OF THE 57 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 2008 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 .................................................................... $3 b. Other Institutions .................................................................................................. 6 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions ..................................................................168 b. Other Institutions ..............................................................................................173 U.S. Government and Agency Obligations ................................................................331 State, County and Municipal Obligations ..................................................................... 92 Other Short-Term Obligations ........................................................................................ 7 Other Notes and Bonds ................................................................................................ 49 Money Market Funds ..................................................................................................225 Other Mutual Funds ....................................................................................................429 Stocks..........................................................................................................................349 Collective Investment Fund Units ................................................................................... 0 Real Estate Mortgages ................................................................................................... 7 Real Estate..................................................................................................................161 Miscellaneous Assets ................................................................................................... 50 Other ..........................................................................................................................(11) Total .....................................................................................................................$2,039 LIABILITIES Personal Accounts: 16. Personal Trusts........................................................................................................ $376 17. Estates & Guardianships ..............................................................................................31 Employee Benefit Accounts: 18. Trusts ..........................................................................................................................368 19. Agencies .....................................................................................................................242 All Other Agencies: 20. Investment Mgmt & Advisory......................................................................................409 21. Custodial .....................................................................................................................363 22. All Other ........................................................................................................................ 53 Corporate and Municipal Securities Appointments: 23. Bond Trusteeships ......................................................................................................191 24. Agencies ......................................................................................................................... 6 Collective Investment Funds: 25. Employee Benefits .......................................................................................................... 0 26. Other .............................................................................................................................. 0 27. Profit Accounts................................................................................................................ 0 28. Suspense Accounts ........................................................................................................ 0 29. Total .....................................................................................................................$2,039 24 Arkansas State Bank Department CONSOLIDATED REPORT OF CONDITION DATA 30 NATIONAL BANKS (in millions) ASSETS JUNE 30, 2008 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin....................................... $410 b. Interest-bearing balances .................................................................................... 189 Securities: a. Held-to-maturity.................................................................................................... 334 b. Available-for-sale .............................................................................................. 1,947 Federal funds sold and securities purchased under agreements to resell ..................................................... 159 Net loans and leases ........................................................................................................ 7,025 Trading assets ......................................................................................................................... 1 Premises and fixed assets................................................................................................... 306 Other real estate owned ........................................................................................................ 45 Goodwill and other intangibles ............................................................................................ 103 All other assets .................................................................................................................... 290 Total assets...................................................................................................................$10,809 LIABILITIES Deposits: a. In domestic offices ..........................................................................................$8,425 (1) Noninterest-bearing ....................................................................1,317 (2) Interest-bearing...........................................................................7,108 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 ...................................................... 447 Trading liabilities ...................................................................................................................... 0 Other borrowed money........................................................................................................704 Subordinated notes and debentures ....................................................................................... 0 All other liabilities ................................................................................................................... 67 Total liabilities.................................................................................................................... 9,643 Minority interest in consolidated subsidiaries .......................................................................... 0 EQUITY CAPITAL Perpetual preferred stock ........................................................................................................ 0 Common stock....................................................................................................................... 16 Surplus ................................................................................................................................. 443 Undivided profits .................................................................................................................. 707 Total equity capital ............................................................................................................ 1,166 Total liabilities, minority interest and equity capital ..................................................... $10,809 Ninety-Fourth Report 25 TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2008 BANK CITY First National Bank of Altheimer Elk Horn Bank and Trust Company Summit Bank First National Banking Company The Bank of Augusta Citizens State Bank The Citizens Bank First Community Bank First Southern Bank Bank of Bearden The Union Bank of Benton The First National Bank of Berryville Farmers Bank and Trust Company The First National Bank in Blytheville First Western Bank Community State Bank Community Bank The First National Bank of Izard County Bank of Cave City The Merchants and Planters Bank First Security Bank of Conway First State Bank First National Bank of Crossett First State Bank Chambers Bank River Town Bank Decatur State Bank Bank of Delight First State Bank of DeQueen Arkansas County Bank DeWitt Bank and Trust Company Merchants & Farmers Bank First Financial Bank Simmons First Bank of El Dorado, N. A. Timberland Bank Altheimer Arkadelphia Arkadelphia Ash Flat Augusta Bald Knob Batesville Batesville Batesville Bearden Benton Berryville Blytheville Blytheville Booneville Bradley Cabot Calico Rock Cave City Clarendon Conway Conway Crossett Crossett Danville Dardanelle Decatur Delight DeQueen DeWitt DeWitt Dumas El Dorado El Dorado El Dorado RATIO 20.51 7.61 8.77 8.50 12.14 9.44 9.17 7.27 14.99 17.06 7.34 13.88 7.39 9.28 8.04 11.62 8.90 27.01 9.84 11.59 7.27 9.54 11.10 10.74 13.68 11.11 11.37 17.62 7.59 10.28 15.41 8.92 8.28 7.57 7.67 26 Arkansas State Bank Department BANK CITY Bank of England The Eudora Bank Bank of Eureka Springs Arvest Bank Bank of Arkansas, N. A. The Bank of Fayetteville Chambers Bank of North Arkansas Signature Bank of Arkansas Twin Lakes Community Bank Fordyce Bank & Trust Company First National Bank of Eastern Arkansas Forrest City Bank, National Association The First National Bank of Fort Smith Planters & Merchants Bank Bank of Gravett The First National Bank in Green Forest First Service Bank Farmers Bank Farmers Bank Calhoun County Bank Community First Bank Greers Ferry Lake State Bank Heber Springs State Bank Helena National Bank Horatio State Bank First National Bank Hot Springs Bank & Trust Company Simmons First Bank of Hot Springs First State Bank of Northwest Arkansas First Arkansas Bank & Trust Heritage Bank Liberty Bank of Arkansas Simmons First Bank of Jonesboro The Bank of Lake Village Simmons First Bank of South Arkansas Little River Bank Arkansas Bankers’ Bank Bank of Little Rock Bank of the Ozarks The Capital Bank Centennial Bank England Eudora Eureka Springs Fayetteville Fayetteville Fayetteville Fayetteville Fayetteville Flippin Fordyce Forrest City Forrest City Fort Smith Gillett Gravette Green Forest Greenbrier Greenwood Hamburg Hampton Harrison Heber Springs Heber Springs Helena Horatio Hot Springs Hot Springs Hot Springs Huntsville Jacksonville Jonesboro Jonesboro Jonesboro Lake Village Lake Village Lepanto Little Rock Little Rock Little Rock Little Rock Little Rock RATIO 10.36 9.48 11.06 7.09 9.57 7.89 12.51 9.18 25.34 9.86 12.61 13.00 13.62 15.68 12.28 9.21 7.78 18.37 13.41 9.31 7.78 7.90 9.64 13.79 11.23 10.80 10.27 8.02 12.67 14.48 9.32 8.38 8.55 9.49 8.65 12.18 11.67 9.06 8.48 7.51 8.08 Ninety-Fourth Report 27 BANK CITY Central Bank Eagle Bank & Trust Company Metropolitan National Bank One Bank & Trust, National Association First State Bank Farmers Bank and Trust Company The Peoples Bank The Malvern National Bank First National Bank at Marianna First Community Bank of Eastern Arkansas First Delta Bank Bank of McCrory The First National Bank of McGehee McGehee Bank The Union Bank of Mena Commercial Bank & Trust Company Union Bank and Trust Company Petit Jean State Bank First National Bank and Trust Company Bank of Mountain View Allied Bank Diamond State Bank Merchants & Planters Bank National Bank of Arkansas in North Little Rock Twin City Bank First National Bank Southern Bank of Commerce The First National Bank at Paris Delta Trust & Bank Evolve Bank & Trust Piggott State Bank Pine Bluff National Bank Simmons First National Bank Home Bank of Arkansas Bank of Prescott The Bank of Rison Bank of Rogers Parkway Bank Pinnacle Bank Simmons First Bank of Northwest Arkansas First State Bank Little Rock Little Rock Little Rock Little Rock Lonoke Magnolia Magnolia Malvern Marianna Marion Marked Tree McCrory McGehee McGehee Mena Monticello Monticello Morrilton Mountain Home Mountain View Mulberry Murfreesboro Newport North Little Rock North Little Rock Paragould Paragould Paris Parkdale Parkin Piggott Pine Bluff Pine Bluff Portland Prescott Rison Rogers Rogers Rogers Rogers Russellville RATIO 23.13 7.65 8.05 7.98 8.36 7.64 7.20 11.43 13.46 10.89 9.96 12.03 13.83 14.14 8.53 8.88 8.52 10.36 12.70 9.33 8.32 8.91 7.76 8.67 9.25 10.95 8.98 11.75 8.89 8.81 9.40 10.50 7.00 9.57 13.82 16.81 9.44 7.94 10.83 7.09 10.91 28 Arkansas State Bank Department BANK CITY Simmons First Bank of Russellville Bank of Salem Logan County Bank First Security Bank Simmons First Bank of Searcy Peoples Bank Smackover State Bank Riverside Bank Legacy National Bank Bodcaw Bank Bank of Star City Security Bank The Farmers and Merchants Bank Bank of Trumann Citizens Bank & Trust Company First Community Bank of Crawford County The First National Bank of Lawrence County First State Bank of Warren Warren Bank and Trust Company First Bank of the Delta, N. A. Fidelity National Bank Cross County Bank The First National Bank of Wynne Russellville Salem Scranton Searcy Searcy Sheridan Smackover Sparkman Springdale Stamps Star City Stephens Stuttgart Trumann Van Buren Van Buren Walnut Ridge Warren Warren West Helena West Memphis Wynne Wynne RATIO 9.65 10.29 16.36 7.41 7.86 12.40 10.14 7.38 12.51 9.27 12.72 7.81 12.17 16.51 9.93 7.73 11.41 10.82 12.04 9.90 8.91 12.30 9.55 Ninety-Fourth Report 29 NATIONAL BANKS JUNE 30, 2008 (000’s omitted) BANK CITY First National Bank of Altheimer First National Banking Company The First National Bank of Berryville The First National Bank in Blytheville The First National Bank of Izard County First National Bank of Crossett Simmons First Bank of El Dorado, N.A. Bank of Arkansas, N.A. First National Bank of Eastern Arkansas Forrest City Bank, N.A. The First National Bank of Fort Smith The First National Bank in Green Forest Helena National Bank First National Bank Metropolitan National Bank One Bank & Trust, National Association The Malvern National Bank 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 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 Berryville Blytheville Calico Rock Crossett El Dorado Fayetteville Forrest City Forrest City Fort Smith Green Forest Helena Hot Springs Little Rock Little Rock Malvern Marianna McGehee Mountain Home North Little Rock Paragould Paris Pine Bluff Pine Bluff Springdale Walnut Ridge West Helena West Memphis Wynne ASSETS 13,385 418,997 130,766 204,903 134,686 159,019 245,252 312,007 282,981 48,869 818,521 338,775 150,195 728,332 1,745,869 389,269 393,517 54,127 45,442 351,664 219,300 580,055 106,755 354,436 1,436,981 254,347 147,176 206,479 266,368 270,528 REPORT OF THE ONE HUNDRED TEN STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2008 Arkansas State Bank Department 32 Elk Horn Bank and Trust Company Arkadelphia, AR VOICE: (870) 246-5811 FAX: (870) 246-5284 Trust Powers: Yes 601 Main Street 71923-0248 Charter Number: 142 Date: September 28, 1903 FDIC Certificate Number: 1528 Home Page: www.banksouthern.com Member of Federal Reserve System Bank Holding Company Southern Bancorp Inc., Arkadelphia, AR Chm/CEO: William G. Wright VP: Ken Armstrong Pres: Alan Sing Cash and Due from:..................................... 15,034 Federal Funds and Repos: ............................ 2,955 Investments: ................................................ 47,137 Net Loans: ................................................. 122,286 Premises and Fixed Assets: .......................... 5,784 Other Real Estate: ............................................ 295 Other Assets: ............................................... 10,055 Total Assets: .............................................. 203,546 Total Trust Assets:................................................ 0 Deposits:.................................................... 176,127 Federal Funds and Borrowings: .................... 8,155 Other Liabilities:................................................ 741 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 185,023 Total Equity Capital: .................................... 18,523 Total Liabilities and Capital:....................... 203,546 Number of Shares Outstanding: .................. 24,000 Directors: Phillip N. Baldwin; Ronald Echols; Dr. Noland Hagood; James W. Harrington; Dr. Rex Horne; Geneva Hunter; Bobby Jones; Wendell Ketchum; Michael Kolb; Mary Jo Mann; Veda R. Morgan; Alan Sing; William G. Wright Branches in Town: Two Other Branches: Bismarck, Hot Springs, Malvern Summit Bank Arkadelphia, AR VOICE: (870) 246-8070 FAX: (870) 246-7122 Trust Powers: No 409 Main Street 71923-0965 Charter Number: 767 Date: December 2, 1996 FDIC Certificate Number: 34433 Home Page: www.summitbankdirect.com Bank Holding Company Summit Bancorp, Inc., Arkadelphia, AR Chm: Ross M. Whipple Pres/COO: Marcus J. McCain CEO: Conner Eldridge EVP/CFO: Christopher M. Wewers Cash and Due from:..................................... 29,316 Federal Funds and Repos: ............................... 720 Investments: .............................................. 118,085 Net Loans: ................................................. 761,821 Premises and Fixed Assets: ........................ 14,545 Other Real Estate: ............................................ 392 Other Assets: ............................................... 34,877 Total Assets: .............................................. 959,756 Total Trust Assets:................................................ 0 Deposits:.................................................... 716,604 Federal Funds and Borrowings: ................ 157,375 Other Liabilities:............................................. 4,087 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 878,066 Total Equity Capital: .................................... 81,690 Total Liabilities and Capital:....................... 959,756 Number of Shares Outstanding: .................... 3,100 Directors: Rodney Bobo; Elton E. Buck; Steve DeMott; Mike Duke; W. Conner Eldridge; Ben Elrod; Joe Keith; Mike Lax; James McAdams; Marcus J. McCain; Ned Purtle; Ross M. Whipple; Joe Woodward Branches in Town: One Other Branches: Benton (2), Hope (2), Hot Springs (5), Hot Springs Village, Little Rock (3), Magnolia (2), Malvern (2) Ninety-Fourth Report 33 The Bank of Augusta Augusta, AR VOICE: (870) 347-2511 FAX: (870) 347-2654 Trust Powers: Yes Chm: John R. Eldridge CEO/Pres: Moody Whitehead 100 South Second Street 72006-0120 Charter Number: 669 Date: February 20, 1935 FDIC Certificate Number: 15035 Bank Holding Company None VP: Ronnie Jones VP/TO: Martha Ray Cash and Due from:....................................... 2,089 Federal Funds and Repos: ............................ 7,350 Investments:................................................. 20,945 Net Loans:.................................................... 20,839 Premises and Fixed Assets: ............................. 235 Other Real Estate: ................................................ 0 Other Assets: ................................................. 2,092 Total Assets: ................................................ 53,550 Total Trust Assets: ......................................... 1,563 Deposits: ...................................................... 46,570 Federal Funds and Borrowings:............................ 0 Other Liabilities: ................................................ 926 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 47,496 Total Equity Capital:....................................... 6,054 Total Liabilities and Capital:......................... 53,550 Number of Shares Outstanding: .................... 8,000 Directors: Dr. Steven Collier; Winston Collier; W. P. Daniel, Jr.; W. P. Daniel, III; Charlie Eldridge; John R. Eldridge; R. E. Gregory, Jr.; Ronald Jones; Moody Whitehead Branches in Town: One Other Branches: None Citizens State Bank Bald Knob, AR VOICE: (501) 724-3241 FAX: (501) 724-5985 Trust Powers: Yes 306 South Elm Street 72010-0200 Charter Number: 636 Date: January 22, 1931 FDIC Certificate Number: 8727 Home Page: www.csb-bk.com Bank Holding Company Citizens State Bankshares of Bald Knob, Inc., Bald Knob, AR Chm/Sec: Molly Kircher EVP: Wendell Nier CEO/Pres/TO: Larry E. Kircher SVP/Cash: Peggy Reed Cash and Due from:....................................... 2,041 Federal Funds and Repos: ............................ 1,955 Investments:................................................. 34,589 Net Loans:.................................................... 27,438 Premises and Fixed Assets: ............................. 957 Other Real Estate: .............................................. 96 Other Assets: ................................................. 3,709 Total Assets: ................................................ 70,785 Total Trust Assets: ......................................... 2,125 Deposits: ...................................................... 63,340 Federal Funds and Borrowings:............................ 0 Other Liabilities: ............................................. 1,021 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 64,361 Total Equity Capital:....................................... 6,424 Total Liabilities and Capital:......................... 70,785 Number of Shares Outstanding: .................... 4,000 Directors: Bob J. Clark; Larry E. Kircher; Molly Kircher; Wendell Nier; James W. Staggs Branches in Town: Two Other Branches: Bradford 34 Arkansas State Bank Department The Citizens Bank Batesville, AR VOICE: (870) 793-4441 FAX: (870) 698-6299 Trust Powers: Yes 200 South Third Street 72503-2156 Charter Number: 705 Date: February 19, 1953 FDIC Certificate Number: 17211 Home Page: www.thecitizensbank.net Member of Federal Reserve System Bank Holding Company Citizens Bancshares of Batesville, Inc., Batesville, AR EVP: David Ford SVP/TO: Robin Brock EVP/Sec: Greg Shaver Cash and Due from:..................................... 11,434 Federal Funds and Repos: ............................ 2,065 Investments: .............................................. 140,361 Net Loans: ................................................. 332,100 Premises and Fixed Assets: .......................... 9,028 Other Real Estate: ............................................ 858 Other Assets: ............................................... 12,127 Total Assets: .............................................. 507,973 Total Trust Assets:....................................... 74,230 Deposits:.................................................... 380,967 Federal Funds and Borrowings: .................. 78,833 Other Liabilities:............................................. 2,846 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 462,646 Total Equity Capital: .................................... 45,327 Total Liabilities and Capital:....................... 507,973 Number of Shares Outstanding: .................. 16,500 Directors: Dr. Lackey G. Moody, M.D.; Doyle "Rog" Rogers, Jr.; Doyle W. Rogers; Jay F. Shell; Noel K. Sims; Kay Southerland; Paula Terrell Branches in Town: Six Other Branches: Cave City, Imboden, Mountain View, Pleasant Plains First Community Bank Batesville, AR VOICE: (870) 612-3400 FAX: (870) 612-3412 Trust Powers: Yes 1325 Harrison Street 72501-4327 Charter Number: 770 Date: June 20, 1997 FDIC Certificate Number: 34533 Home Page: www.firstcommunity.net Bank Holding Company First Community Bancshares, Inc., Batesville, AR Chm/CEO: Dale E. Cole SVP: Troy Henley Pres/COO: Boris A. Dover VP/TO: Betty Campbell Cash and Due from:....................................... 9,810 Federal Funds and Repos: ............................ 2,280 Investments: ................................................ 79,231 Net Loans: ................................................. 380,591 Premises and Fixed Assets: ........................ 12,504 Other Real Estate: ............................................ 390 Other Assets: ................................................. 8,854 Total Assets: .............................................. 493,660 Total Trust Assets:....................................... 66,847 Deposits:.................................................... 380,488 Federal Funds and Borrowings: .................. 76,494 Other Liabilities:............................................. 1,734 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 458,716 Total Equity Capital: .................................... 34,944 Total Liabilities and Capital:....................... 493,660 Number of Shares Outstanding: .................. 34,523 Directors: Donald C. Bedell; Don Buckliew; Dale E. Cole; Boris A. Dover; Preston W. "Chip" Grace, III; Rick Kent; Ray LaCroix; Dianne Lamberth; Dr. Charles McClain; Frank Tripp; Sheila Wagnon Branches in Town: Two Other Branches: Bald Knob, Cabot, Cave City, Hardy, Searcy (3) Ninety-Fourth Report 35 First Southern Bank Batesville, AR VOICE: (870) 612-1212 FAX: (870) 698-1155 Trust Powers: No 1583 South St. Louis Street 72501-7627 Charter Number: 788 Date: July 21, 2005 FDIC Certificate Number: 58052 Home Page: www.firstsouthernbk.com Bank Holding Company None CEO/Pres: Woody Castleberry SVP: Floren King EVP: David Hidy Cash and Due from:....................................... 1,994 Federal Funds and Repos: ................................... 0 Investments:................................................. 13,827 Net Loans:.................................................... 67,959 Premises and Fixed Assets: .......................... 1,763 Other Real Estate: .............................................. 52 Other Assets: ................................................. 1,111 Total Assets: ................................................ 86,706 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 72,119 Federal Funds and Borrowings:........................ 750 Other Liabilities: ............................................. 1,451 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 74,320 Total Equity Capital:..................................... 12,386 Total Liabilities and Capital:......................... 86,706 Number of Shares Outstanding: ................ 129,463 Directors: Woody Castleberry; David Estes; John Gregg; David Hidy; Arch Jones; Mac McClanahan; John Reese; Wade Ruckle; Larry Shaw; Tom Williams; David Wyatt Branches in Town: None Other Branches: None Bank of Bearden Bearden, AR VOICE: (870) 687-2233 FAX: (870) 687-2474 Trust Powers: No Chm/Pres: Rick Green EVP: Ken Riley #1 Second Street 71720-0135 Charter Number: 688 Date: June 17, 1945 FDIC Certificate Number: 16282 Bank Holding Company Bearden Bancshares, Inc., Bearden, AR VP: Donnie Castleberry VP/Cash: Susan Lusby Cash and Due from:....................................... 3,961 Federal Funds and Repos: ............................ 5,700 Investments:................................................... 4,468 Net Loans:.................................................... 20,741 Premises and Fixed Assets: ............................. 139 Other Real Estate: ................................................ 0 Other Assets: .................................................... 426 Total Assets: ................................................ 35,435 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 29,600 Federal Funds and Borrowings:............................ 0 Other Liabilities: ................................................ 157 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 29,757 Total Equity Capital:....................................... 5,678 Total Liabilities and Capital:......................... 35,435 Number of Shares Outstanding: .................... 8,300 Directors: John E. Anthony; Steven M. Anthony; O. D. Cathey; Rick Green; Kenneth D. Keeton; Ronald A. Ramsay; Ken Riley; Russell G. Weatherly; Betty Word Branches in Town: None Other Branches: None Arkansas State Bank Department 36 The Union Bank of Benton Benton, AR VOICE: (501) 315-0411 FAX: (501) 303-5433 Trust Powers: Yes 207 West Conway 72015 Charter Number: 706 Date: January 11, 1954 FDIC Certificate Number: 17322 Home Page: www.union-bank.net 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:..................................... 12,598 Federal Funds and Repos: .......................... 14,425 Investments: .............................................. 113,521 Net Loans: ................................................... 88,184 Premises and Fixed Assets: .......................... 4,693 Other Real Estate: ................................................ 0 Other Assets: ................................................. 3,803 Total Assets: .............................................. 237,224 Total Trust Assets:............................................ 706 Deposits:.................................................... 194,625 Federal Funds and Borrowings: .................. 24,990 Other Liabilities:................................................ 942 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 220,557 Total Equity Capital: .................................... 16,667 Total Liabilities and Capital:....................... 237,224 Number of Shares Outstanding: .................. 75,000 Directors: Fred Briner; Greg B. Brown; Bud Finley; Susan Gattin; 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) Farmers Bank And Trust Company Blytheville, AR VOICE: (870) 763-8101 FAX: (870) 763-3500 Trust Powers: Yes 400 West Main 72316-0688 Charter Number: 253 Date: March 16, 1908 FDIC Certificate Number: 1027 Home Page: www.farmersbankbly.com Member of Federal Reserve System Bank Holding Company Farmers Bancorp, Inc., Blytheville, AR Chm/CEO: Steve Bell CFO: Shelly Crosskno Pres/COO: Randy Scott VP/TO: Ron Dawson Cash and Due from:....................................... 8,889 Federal Funds and Repos: ................................... 0 Investments: ................................................ 31,674 Net Loans: ................................................. 275,498 Premises and Fixed Assets: .......................... 9,428 Other Real Estate: ......................................... 1,743 Other Assets: ................................................. 5,233 Total Assets: .............................................. 332,465 Total Trust Assets:....................................... 18,413 Deposits:.................................................... 274,429 Federal Funds and Borrowings: .................. 31,150 Other Liabilities:............................................. 1,654 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 307,233 Total Equity Capital: .................................... 25,232 Total Liabilities and Capital:....................... 332,465 Number of Shares Outstanding: .................. 40,000 Directors: Steve Bell; Paula O. Blackwell; Ronny Goff; Alvin Huffman, III; John Langston; Gaylon M. Lawrence, Jr.; Randy Scott; David Stone; Harold Sudbury, Jr. Branches in Town: Four Other Branches: Franklin[TN], Nashville[TN] Ninety-Fourth Report 37 First Western Bank Booneville, AR VOICE: (479) 675-3000 FAX: (479) 675-4477 Trust Powers: Yes 80 West Main 72927-0238 Charter Number: 397 Date: April 18, 1910 FDIC Certificate Number: 13083 Home Page: www.fwbank.com Bank Holding Company First Western Bancshares, Inc., Booneville, AR Chm/CEO: John T. Hampton Reg Pres: Jerry Standridge Reg Pres: Nathan E. Gairhan EVP/CFO: Lynne Coan Cash and Due from:....................................... 6,902 Federal Funds and Repos: ............................ 2,625 Investments:................................................. 42,496 Net Loans:.................................................. 208,345 Premises and Fixed Assets: ........................ 11,500 Other Real Estate: ....................................... 10,406 Other Assets: ............................................... 10,946 Total Assets: .............................................. 293,220 Total Trust Assets: ................................................ 0 Deposits: .................................................... 254,707 Federal Funds and Borrowings:................... 11,220 Other Liabilities: ............................................. 2,948 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 268,875 Total Equity Capital:..................................... 24,345 Total Liabilities and Capital:....................... 293,220 Number of Shares Outstanding: ................ 100,000 Directors: Dan Brown; Nathan E. Gairhan; John T. Hampton; Mark Lundy; Jack McHaney; David Remy; Howard L. Slinkard; Craig Smith; Jerry Standridge; Johnny Williams; DeAnne Witherspoon, O.D.; Jane Woolley; Shirley Young Branches in Town: One Other Branches: Bella Vista, Bentonville, Caulksville, Fayetteville, Fort Smith, Magazine, Rogers (3) Community State Bank Bradley, AR VOICE: (870) 894-3322 FAX: (870) 894-3324 Trust Powers: No 208 West Fourth Street 71826-0120 Charter Number: 653 Date: April 10, 1933 FDIC Certificate Number: 5619 Bank Holding Company Community State Bancshares, Inc., Bradley, AR Chm/Pres: Jerry G. Hartline VP: Sherri Jones EVP: Jeff Hobbs VP/Cash: Regina Wootton Cash and Due from:....................................... 3,049 Federal Funds and Repos: ............................... 810 Investments:................................................... 3,731 Net Loans:...................................................... 9,099 Premises and Fixed Assets: ............................. 153 Other Real Estate: .............................................. 75 Other Assets: .................................................... 111 Total Assets: ................................................ 17,028 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 15,020 Federal Funds and Borrowings:............................ 0 Other Liabilities: .................................................. 39 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 15,059 Total Equity Capital:....................................... 1,969 Total Liabilities and Capital:......................... 17,028 Number of Shares Outstanding: .................. 10,000 Directors: Jerry G. Hartline; Sharon Hartline; Jeffrey C. Hobbs; William Ward; Stephen Wicks Branches in Town: None Other Branches: None 38 Arkansas State Bank Department Community Bank Cabot, AR VOICE: (501) 843-3575 FAX: (501) 941-4285 Trust Powers: Yes 2171 West Main 72023-1028 Charter Number: 120 Date: March 23, 1903 FDIC Certificate Number: 1749 Home Page: www.communitybk.net Member of Federal Reserve System Bank Holding Company Home BancShares, Inc., Conway, AR Chm: Jerry Waymack EVP: Jim Haynes CEO/Pres: Tracy M. French Sec: Kelly Flynt Cash and Due from:..................................... 15,819 Federal Funds and Repos: ................................... 0 Investments: ................................................ 74,967 Net Loans: ................................................. 290,147 Premises and Fixed Assets: ........................ 15,937 Other Real Estate: .............................................. 27 Other Assets: ............................................... 39,420 Total Assets: .............................................. 436,317 Total Trust Assets:................................................ 0 Deposits:.................................................... 293,205 Federal Funds and Borrowings: .................. 83,081 Other Liabilities:............................................. 4,742 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 381,028 Total Equity Capital: .................................... 55,289 Total Liabilities and Capital:....................... 436,317 Number of Shares Outstanding: .................. 25,000 Directors: John W. Allison; Rick Ashley; Cathy Eoff; Will Feland; Tracy M. French; John P. Hayes; Jerry Jones; Mark Lowman; Gerald H. Shock; C. Randall Sims; Ron Strother; William G. Thompson; Stephen P. Tipton; Jerry Waymack; Larry Wood; Joan R. Zumwalt Branches in Town: Five Other Branches: Beebe (2), Jacksonville (3), Ward Bank of Cave City Cave City, AR VOICE: (870) 283-5301 FAX: (870) 283-6466 Trust Powers: Yes 133 South Main Street 72521-0490 Charter Number: 209 Date: July 2, 1906 FDIC Certificate Number: 105 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:....................................... 2,991 Federal Funds and Repos: ............................ 2,660 Investments: ................................................ 27,709 Net Loans: ................................................... 57,118 Premises and Fixed Assets: .......................... 1,038 Other Real Estate: ............................................ 802 Other Assets: ................................................. 5,976 Total Assets: ................................................ 98,294 Total Trust Assets:................................................ 0 Deposits:...................................................... 76,941 Federal Funds and Borrowings: .................. 10,410 Other Liabilities:............................................. 1,277 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 88,628 Total Equity Capital: ...................................... 9,666 Total Liabilities and Capital:......................... 98,294 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 Ninety-Fourth Report 39 The Merchants and Planters Bank Clarendon, AR VOICE: (870) 747-3319 FAX: (870) 747-3498 Trust Powers: No 297 Madison 72029-0280 Charter Number: 21 Date: July 23, 1890 FDIC Certificate Number: 107 Bank Holding Company Clarendon Holding Co., Clarendon, AR Chm: J. Baxter Sharp, III Pres: J. Kendall Henry Cash and Due from:....................................... 4,015 Federal Funds and Repos: ................................. 75 Investments:................................................. 15,655 Net Loans:.................................................... 12,873 Premises and Fixed Assets: ............................. 219 Other Real Estate: .............................................. 14 Other Assets: .................................................... 349 Total Assets: ................................................ 33,200 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 29,317 Federal Funds and Borrowings:............................ 0 Other Liabilities: .................................................. 57 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 29,374 Total Equity Capital:....................................... 3,826 Total Liabilities and Capital:......................... 33,200 Number of Shares Outstanding: .................... 5,660 Directors: J. Kendall Henry; B. J. Hopson; E. Davidson Lee; J. Baxter Sharp, III Branches in Town: None Other Branches: None First Security Bank of Conway Conway, AR VOICE: (501) 450-9800 FAX: (501) 450-9164 Trust Powers: No 1001 Front Street 72032 Charter Number: 779 Date: April 15, 1999 FDIC Certificate Number: 33502 Home Page: www.fsbank.com Member of Federal Reserve System Bank Holding Company First Security Bancorp, Searcy, AR Chm: J. Mark Ferguson EVP: Mike Baldwin CEO/Pres: John W. Adams CFO: Nancy Kocourek Cash and Due from:..................................... 15,446 Federal Funds and Repos: .......................... 15,870 Investments:................................................. 95,702 Net Loans:.................................................. 255,940 Premises and Fixed Assets: ........................ 11,591 Other Real Estate: ............................................ 260 Other Assets: ................................................. 8,862 Total Assets: .............................................. 403,671 Total Trust Assets: ................................................ 0 Deposits: .................................................... 346,791 Federal Funds and Borrowings:................... 24,643 Other Liabilities: ............................................. 2,150 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 373,584 Total Equity Capital:..................................... 30,087 Total Liabilities and Capital:....................... 403,671 Number of Shares Outstanding: .................. 54,000 Directors: John W. Adams; Richard Arnold; Mike Baldwin; 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, Mayflower, Vilonia 40 Arkansas State Bank Department First State Bank Conway, AR VOICE: (501) 328-4663 FAX: (501) 328-4601 Trust Powers: Yes 620 Chestnut Street 72032 Charter Number: 118 Date: May 12, 1903 FDIC Certificate Number: 11241 Home Page: www.fsbhome.com Member of Federal Reserve System Bank Holding Company Home BancShares, Inc., Conway, AR Chm: John W. Allison EVP: Kevin Hester CEO/Pres: C. Randall Sims EVP: Randy E. Mayor Cash and Due from:..................................... 16,796 Federal Funds and Repos: ............................ 1,500 Investments: ................................................ 89,204 Net Loans: ................................................. 476,771 Premises and Fixed Assets: ........................ 14,075 Other Real Estate: ............................................ 655 Other Assets: ............................................... 27,877 Total Assets: .............................................. 626,878 Total Trust Assets:................................................ 0 Deposits:.................................................... 461,094 Federal Funds and Borrowings: ................ 102,244 Other Liabilities:............................................. 4,958 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 568,296 Total Equity Capital: .................................... 58,582 Total Liabilities and Capital:....................... 626,878 Number of Shares Outstanding: .................... 2,400 Directors: Milburn Adams; Robert H. Adcock, Jr.; John W. Allison; William C. Brazil; Dale Bruns; Jack Engelkes; William J. Farris, Jr.; Kevin Hester; Randy E. Mayor; Jim Rankin, Jr.; C. Randall Sims; Ron Strother Branches in Town: Six Other Branches: Greenbrier, Mayflower, Morrilton, Quitman, Searcy (3), Vilonia First State Bank Crossett, AR VOICE: (870) 364-5131 FAX: (870) 364-6329 Trust Powers: No 200 Pine Street 71635-0638 Charter Number: 718 Date: May 13, 1963 FDIC Certificate Number: 18987 Home Page: www.fsbcrossett.com Bank Holding Company Evergreen Bancshares, Inc., Crossett, AR Chm: Richard E. Griffin SVP: Sue C. Gwin CEO/Pres: Howard M. Beaty, Jr. VP: David H. Bell Cash and Due from:....................................... 1,987 Federal Funds and Repos: ................................... 0 Investments: .................................................. 6,718 Net Loans: ................................................... 18,242 Premises and Fixed Assets: .......................... 1,491 Other Real Estate: ............................................ 401 Other Assets: ................................................. 1,214 Total Assets: ................................................ 30,053 Total Trust Assets:................................................ 0 Deposits:...................................................... 25,868 Federal Funds and Borrowings: ....................... 925 Other Liabilities:.................................................. 77 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 26,870 Total Equity Capital: ...................................... 3,183 Total Liabilities and Capital:......................... 30,053 Number of Shares Outstanding: ................ 100,000 Directors: Howard M. Beaty, Jr.; Patricia Draper; Richard E. Griffin; Harry D. Stephens, Jr.; Dr. John D. Tice; Barney White Branches in Town: Two Other Branches: None Ninety-Fourth Report 41 Chambers Bank Danville, AR VOICE: (479) 495-2236 FAX: (479) 495-4650 Trust Powers: No 901 Main 72833-0609 Charter Number: 615 Date: October 3, 1930 FDIC Certificate Number: 5615 Home Page: www.chambers-bank.com Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm: John Ed Chambers, III Pres: Bill Donnell CEO: Edward J. Taylor EVP: Philip Alexander Cash and Due from:....................................... 7,551 Federal Funds and Repos: .......................... 14,355 Investments:................................................. 49,352 Net Loans:.................................................. 340,436 Premises and Fixed Assets: .......................... 7,875 Other Real Estate: ............................................ 366 Other Assets: ............................................... 19,994 Total Assets: .............................................. 439,929 Total Trust Assets: ................................................ 0 Deposits: .................................................... 363,804 Federal Funds and Borrowings:................... 10,629 Other Liabilities: ............................................. 4,636 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 379,069 Total Equity Capital:..................................... 60,860 Total Liabilities and Capital:....................... 439,929 Number of Shares Outstanding: .................. 10,000 Directors: Thomas Akin; John Ed Chambers, III; Bill Donnell; Nathan George; 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 River Town Bank Dardanelle, AR VOICE: (479) 229-3311 FAX: (479) 229-4180 Trust Powers: Yes 102 North Front Street 72834-0577 Charter Number: 668 Date: September 12, 1934 FDIC Certificate Number: 14749 Home Page: www.rivertownbank.com Bank Holding Company Bank of Dardanelle Bankshares, Inc., Dardanelle, AR Pres: Ronald L. Taylor Cash: Janelle Parker SVP: Thomas C. Berryhill Cash and Due from:..................................... 21,326 Federal Funds and Repos: ................................... 0 Investments:................................................. 13,368 Net Loans:.................................................... 97,541 Premises and Fixed Assets: .......................... 7,484 Other Real Estate: ............................................ 394 Other Assets: ................................................. 3,433 Total Assets: .............................................. 143,546 Total Trust Assets: ................................................ 0 Deposits: .................................................... 123,014 Federal Funds and Borrowings:..................... 3,184 Other Liabilities: ................................................ 765 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 126,963 Total Equity Capital:..................................... 16,583 Total Liabilities and Capital:....................... 143,546 Number of Shares Outstanding: .................... 8,000 Directors: Dee Abrams; Thomas C. Berryhill; Bunny Bullock; Tom Ed Bullock; William R. Bullock, Sr.; Fanny George; Ronald L. Taylor; Adam C. Waldron Branches in Town: One Other Branches: Atkins, Conway (2), Danville, Dover, Russellville (2) 42 Arkansas State Bank Department Decatur State Bank Decatur, AR VOICE: (479) 752-3281 FAX: (479) 752-8154 Trust Powers: No Hwy. 59 North 72722-0038 Charter Number: 707 Date: May 27, 1954 FDIC Certificate Number: 17346 Home Page: www.decaturstatebank.net Bank Holding Company Peterson Holding Company, Decatur, AR Chm: Richard E. Wilmoth Cash: Wanda Tormey CEO/Pres: Vernon L. Austin Cash and Due from:....................................... 4,864 Federal Funds and Repos: ................................... 0 Investments: ................................................ 30,252 Net Loans: ................................................. 144,080 Premises and Fixed Assets: .......................... 4,580 Other Real Estate: ............................................ 937 Other Assets: ................................................. 4,618 Total Assets: .............................................. 189,331 Total Trust Assets:................................................ 0 Deposits:.................................................... 128,983 Federal Funds and Borrowings: .................. 37,500 Other Liabilities:................................................ 604 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 167,087 Total Equity Capital: .................................... 22,244 Total Liabilities and Capital:....................... 189,331 Number of Shares Outstanding: .................... 7,000 Directors: Vernon L. Austin; Larry D. Curran; Tom M. Edmiston; Debbie Evans; Paul Galyean; Aaron Holcombe; R. Mark Londagin; Adam McGhee; Richard E. Wilmoth Branches in Town: None Other Branches: Gentry, Siloam Springs Bank of Delight Delight, AR VOICE: (870) 379-2293 FAX: (870) 379-2575 Trust Powers: No Chm/CEO: Darwin Hendrix Pres: Glenn Vasser 503 East Antioch 71940-0068 Charter Number: 342 Date: June 16, 1911 FDIC Certificate Number: 99 Bank Holding Company None SVP: Rusty Silvey COO/VP: Vince Grimes Cash and Due from:..................................... 17,269 Federal Funds and Repos: ............................... 890 Investments: ................................................ 18,601 Net Loans: ................................................... 47,118 Premises and Fixed Assets: ............................. 321 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,064 Total Assets: ................................................ 85,263 Total Trust Assets:................................................ 0 Deposits:...................................................... 69,736 Federal Funds and Borrowings: ....................... 168 Other Liabilities:................................................ 258 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 70,162 Total Equity Capital: .................................... 15,101 Total Liabilities and Capital:......................... 85,263 Number of Shares Outstanding: .................. 15,583 Directors: Gary Chambliss; Rodney Fagan; Darwin Hendrix; David B. Hendrix; Bev Jordan; James E. May; Jerry Milam; Rusty Silvey Branches in Town: None Other Branches: Prescott Ninety-Fourth Report 43 First State Bank of DeQueen DeQueen, AR VOICE: (870) 642-4423 FAX: (870) 642-2847 Trust Powers: No 402 West Collin Raye Drive 71832-0970 Charter Number: 731 Date: August 26, 1974 FDIC Certificate Number: 21805 Home Page: www.fsbdequeen.com Member of Federal Reserve System Bank Holding Company First State Bancshares, Inc., DeQueen, AR Chm: Dennis Smiley EVP: Noel Bard CEO/Pres: Gary L. Golden SVP: J. Marc Jackson Cash and Due from:....................................... 2,745 Federal Funds and Repos: ............................ 2,415 Investments:................................................. 11,589 Net Loans:.................................................. 102,188 Premises and Fixed Assets: .......................... 4,969 Other Real Estate: ............................................ 115 Other Assets: ................................................. 3,586 Total Assets: .............................................. 127,607 Total Trust Assets: ................................................ 0 Deposits: .................................................... 106,557 Federal Funds and Borrowings:................... 10,795 Other Liabilities: ............................................. 1,155 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 118,507 Total Equity Capital:....................................... 9,100 Total Liabilities and Capital:....................... 127,607 Number of Shares Outstanding: .................. 76,000 Directors: Julie Brown; Michael Buffington; Gary L. Golden; Lou Ellen Gray; Ronald Moore; Edward Revels; Dennis Smiley; Don Stemple Branches in Town: One Other Branches: Dierks, Lockesburg, Murfreesboro Arkansas County Bank DeWitt, AR VOICE: (870) 946-3551 FAX: (870) 946-1562 Trust Powers: Yes 220 West Cross Street 72042 Charter Number: 790 Date: September 26, 2006 FDIC Certificate Number: 3858 Home Page: www.arkansascountybank.com Bank Holding Company DeWitt First Bankshares Corporation, DeWitt, AR Chm/CEO/Pres: Warren A. Jennings, Sr. VP/Cash: Mary Jacobs SVP: Sherry P. Criswell VP/TO: Gena M. Jennings Cash and Due from:..................................... 15,908 Federal Funds and Repos: ............................ 6,135 Investments:................................................. 29,315 Net Loans:.................................................... 80,366 Premises and Fixed Assets: .......................... 5,367 Other Real Estate: .............................................. 70 Other Assets: ................................................. 2,219 Total Assets: .............................................. 139,380 Total Trust Assets: ....................................... 20,259 Deposits: .................................................... 115,808 Federal Funds and Borrowings:..................... 9,691 Other Liabilities: ................................................ 125 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 125,624 Total Equity Capital:..................................... 13,756 Total Liabilities and Capital:....................... 139,380 Number of Shares Outstanding: ........................... 1 Directors: Dale K. Bennett; Kim B. Bethea; Georgea M. Greaves; M. Edward Hord; Waymon Hornbeck; Mary M. Jennings; Warren Jennings, Jr.; Warren A. Jennings, Sr.; K. Daniel Kennedy; Lester A. McKinley; James N. Moss; Jimmie Rodgers; Gary Sebree Branches in Town: None Other Branches: Lockesburg, Stuttgart 44 Arkansas State Bank Department DeWitt Bank And Trust Company DeWitt, AR VOICE: (870) 946-3531 FAX: (870) 946-2815 Trust Powers: Yes Second and Jefferson Streets 72042-0071 Charter Number: 605 Date: March 1, 1929 FDIC Certificate Number: 1522 Home Page: www.dewittbankandtrust.com Bank Holding Company DBT Financial Corporation, DeWitt, AR Chm: Nancy F. Rasco EVP: Tricia Bull CEO/Pres: David Jessup TO: Jason Grantham Cash and Due from:....................................... 6,851 Federal Funds and Repos: .......................... 14,485 Investments: .................................................. 9,561 Net Loans: ................................................... 63,697 Premises and Fixed Assets: ............................. 747 Other Real Estate: ......................................... 2,217 Other Assets: ................................................. 4,273 Total Assets: .............................................. 101,831 Total Trust Assets:....................................... 31,152 Deposits:...................................................... 81,172 Federal Funds and Borrowings: .................... 4,867 Other Liabilities:................................................ 301 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 86,340 Total Equity Capital: .................................... 15,491 Total Liabilities and Capital:....................... 101,831 Number of Shares Outstanding: .................. 54,000 Directors: Donald Ray Dickson; James L. Fly, Jr.; Alton R. Hampton; David L. Jessup; Charles E. Lumsden; Nancy F. Rasco; Jack Whitmore Branches in Town: None Other Branches: St. Charles Merchants & Farmers Bank Dumas, AR VOICE: (870) 382-4311 FAX: (870) 382-5901 Trust Powers: Yes 500 Highway 65 South 71639 Charter Number: 278 Date: May 10, 1909 FDIC Certificate Number: 8735 Home Page: www.mfbanknet.com Bank Holding Company M & F Financial Corporation, Dumas, AR CEO/Pres: J. Michael Jones COO: L. Ashton Adcock EVP: Betty B. Trites TO: Glenda B. Owen Cash and Due from:....................................... 6,392 Federal Funds and Repos: ............................ 2,485 Investments: ................................................ 13,841 Net Loans: ................................................... 40,304 Premises and Fixed Assets: .......................... 4,013 Other Real Estate: ................................................ 0 Other Assets: ................................................. 4,282 Total Assets: ................................................ 71,317 Total Trust Assets:....................................... 32,108 Deposits:...................................................... 63,830 Federal Funds and Borrowings: ....................... 781 Other Liabilities:................................................ 147 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 64,758 Total Equity Capital: ...................................... 6,559 Total Liabilities and Capital:......................... 71,317 Number of Shares Outstanding: .................. 40,000 Directors: L. Ashton Adcock; Jimmie L. Appleberry; Benny M. Estes; L. Sue Frank; Bruce Gasaway; Marion S. Gill; J. Michael Jones; Don Livingston; William W. Shea; David Walt Branches in Town: Two Other Branches: None Ninety-Fourth Report 45 First Financial Bank El Dorado, AR VOICE: (870) 863-7000 FAX: (870) 881-5393 Trust Powers: No 214 North Washington Street Charter Number: 778 71730-1754 Date: April 15, 1999 FDIC Certificate Number: 28905 Home Page: www.ffb1.com Member of Federal Reserve System Bank Holding Company First Financial Banc Corporation, El Dorado, AR Chm: Edwin B. Alderson, Jr. EVP/COO: Jerry Bullard CEO: J. Stephen Cameron CFO: Melissa Jerry Cash and Due from:..................................... 27,671 Federal Funds and Repos: ................................... 0 Investments:................................................. 13,493 Net Loans:.................................................. 517,326 Premises and Fixed Assets: .......................... 9,714 Other Real Estate: ......................................... 6,022 Other Assets: ............................................... 27,375 Total Assets: .............................................. 601,601 Total Trust Assets: ................................................ 0 Deposits: .................................................... 463,980 Federal Funds and Borrowings:................... 82,591 Other Liabilities: ............................................. 2,546 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 549,117 Total Equity Capital:..................................... 52,484 Total Liabilities and Capital:....................... 601,601 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.; 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: Carthage[MS], Senatobia[MS], Smackover Timberland Bank El Dorado, AR VOICE: (870) 862-5900 FAX: (870) 862-5432 Trust Powers: No 2421 North West Avenue 71730 Charter Number: 785 Date: August 22, 2000 FDIC Certificate Number: 57024 Home Page: www.TimberlandBank.Net Bank Holding Company Timberland Bancshares, Inc., El Dorado, AR Pres: Tandy Menefee SVP: Carolyn Beavers EVP: Frankie Pratt SVP: Ken Goudy Cash and Due from:....................................... 3,469 Federal Funds and Repos: .......................... 13,995 Investments:................................................. 20,228 Net Loans:.................................................. 128,838 Premises and Fixed Assets: .......................... 1,279 Other Real Estate: ............................................ 683 Other Assets: ................................................. 3,852 Total Assets: .............................................. 172,344 Total Trust Assets: ................................................ 0 Deposits: .................................................... 136,186 Federal Funds and Borrowings:................... 22,575 Other Liabilities: ................................................ 471 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 159,232 Total Equity Capital:..................................... 13,112 Total Liabilities and Capital:....................... 172,344 Number of Shares Outstanding: ................ 187,890 Directors: Rolan Brevard; Jeff Dwight; Nathan Evers; Walter Felton; John Hays; John Lowery, Jr.; Tandy Menefee; Alan R. Morgan; L. Andrew Sheppard Branches in Town: Two Other Branches: None 46 Arkansas State Bank Department Bank of England England, AR VOICE: (501) 842-2555 FAX: (501) 842-2422 Trust Powers: No 123 South Main Street 72046-0070 Charter Number: 48 Date: August 8, 1898 FDIC Certificate Number: 13303 Home Page: www.bankofengland-ar.com Bank Holding Company MHBC Investments Limited Partnership, I, England, AR Chm/CEO/Pres: Gary Canada, Sr. VP: Bobby Montgomery EVP: Hanna B. Canada Cash: Sheila Rice Cash and Due from:....................................... 4,939 Federal Funds and Repos: ............................... 890 Investments: ................................................ 23,238 Net Loans: ................................................. 117,601 Premises and Fixed Assets: .......................... 3,001 Other Real Estate: ......................................... 3,534 Other Assets: ................................................. 5,670 Total Assets: .............................................. 158,873 Total Trust Assets:................................................ 0 Deposits:.................................................... 121,929 Federal Funds and Borrowings: .................. 19,855 Other Liabilities:............................................. 1,445 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 143,229 Total Equity Capital: .................................... 15,644 Total Liabilities and Capital:....................... 158,873 Number of Shares Outstanding: .................. 10,000 Directors: James Neal Anderson; Brad Canada; Gary Canada, Jr.; Gary Canada, Sr.; Hanna B. Canada; Samuel C. Cobb; Leon Hill; Nicole Canada Luebke Branches in Town: One Other Branches: Carlisle, Lonoke, North Little Rock The Eudora Bank Eudora, AR VOICE: (870) 355-8311 FAX: (870) 355-8509 Trust Powers: No 111 North Main Street 71640-0250 Charter Number: 629 Date: December 23, 1930 FDIC Certificate Number: 11254 Bank Holding Company Delta Bancshares of Louisiana, Inc., Eudora, AR Chm: Charles F. Poole CEO/Pres: Gene Keith Cash and Due from:....................................... 1,076 Federal Funds and Repos: ................................... 0 Investments: ................................................ 13,687 Net Loans: ................................................... 14,739 Premises and Fixed Assets: ............................. 174 Other Real Estate: ................................................ 0 Other Assets: .................................................... 646 Total Assets: ................................................ 30,322 Total Trust Assets:................................................ 0 Deposits:...................................................... 25,699 Federal Funds and Borrowings: .................... 1,790 Other Liabilities:................................................ 134 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 27,623 Total Equity Capital: ...................................... 2,699 Total Liabilities and Capital:......................... 30,322 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 Ninety-Fourth Report 47 Bank of Eureka Springs Eureka Springs, AR VOICE: (479) 253-2265 FAX: (479) 253-1165 Trust Powers: No 70 South Main 72632-0309 Charter Number: 374 Date: May 4, 1912 FDIC Certificate Number: 5635 Home Page: www.bankeureka.com Bank Holding Company Eureka Bancshares, Inc., Eureka Springs, AR CEO/Pres: Charles T. Cross Cash and Due from:....................................... 1,973 Federal Funds and Repos: ................................... 0 Investments:................................................. 27,304 Net Loans:.................................................... 72,781 Premises and Fixed Assets: .......................... 6,239 Other Real Estate: ............................................ 112 Other Assets: ................................................. 4,961 Total Assets: .............................................. 113,370 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 84,638 Federal Funds and Borrowings:................... 16,002 Other Liabilities: ................................................ 519 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 101,159 Total Equity Capital:..................................... 12,211 Total Liabilities and Capital:....................... 113,370 Number of Shares Outstanding: .................... 4,000 Directors: James D. Bird; Genes L. Bland; Charles T. Cross; Claude C. Cross; John F. Cross; Johnice Cross; Lewis E. Epley, Jr.; William E. Goff; Rex A. Gustin; Michael Mathews; Daniel J. Mumaugh; Archie B. Ryan, Jr.; Randy Wolfinbarger Branches in Town: One Other Branches: Holiday Island 48 Arkansas State Bank Department Arvest Bank Fayetteville, AR VOICE: (479) 750-1400 FAX: (479) 770-1615 Trust Powers: Yes 75 North East Street 72702-1327 Charter Number: 31 Date: December 24, 1892 FDIC Certificate Number: 8728 Home Page: www.arvest.com Member of Federal Reserve System Bank Holding Company Arvest Holdings, Inc., Bentonville, AR Chm/CEO: Jim C. Walton EVP: J. Robert Kelly Pres/COO: K. Kevin Sabin EVP: Phillip O. Porter Cash and Due from:................................... 307,684 Federal Funds and Repos: ........................ 127,000 Investments: ........................................... 1,248,778 Net Loans: .............................................. 7,129,356 Premises and Fixed Assets: ...................... 300,912 Other Real Estate: ....................................... 24,430 Other Assets: ............................................. 757,108 Total Assets: ........................................... 9,895,268 Total Trust Assets:................................................ 0 Deposits:................................................. 8,297,620 Federal Funds and Borrowings: ................ 577,147 Other Liabilities:........................................... 79,065 Subordinated Debt:............................................... 0 Total Liabilities:....................................... 8,953,832 Total Equity Capital: .................................. 941,436 Total Liabilities and Capital:.................... 9,895,268 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: 12 Other Branches: Ada[OK], Anderson[MO], Bartlesville[OK] (5), Bella Vista (3), Benton, Bentonville (7), Berryville (2), Bixby[OK], Branson[MO] (2), Broken Arrow[OK] (3), Bryant, Bull Shoals, Cabot, Caney[KS], Carthage[MO] (2), Centerton, Chickasha[OK], Choctaw[OK], Clarksville (2), Conway (3), Coweta[OK], Del City[OK], Dewey[OK] (2), Duncan[OK] (3), Edmond[OK] (4), Eufaula[OK], Eureka Springs, Farmington, Flippin, Fort Smith (11), Gentry, Gravette, Greenwood, Grove[OK], Harrison (2), Hindsville, Holiday Island, Hot Springs (3), Hot Springs Village, Huntsville (2), Jacksonville, Jay[OK], Jenks[OK], Joplin[MO] (6), Kansas [OK], Lawton[OK] (4), Lead Hill, Lincoln, Little Rock (8), Lonoke, Lowell, Maumelle, McAlester[OK], Mena, Miami[OK], Midwest City[OK], Moore[OK] (2), Morrilton, Mountain Home (2), Muskogee[OK] (2), Neosho[MO] (2), Noel[MO], Norman[OK] (7), 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 (7), Russellville (3), Sallisaw[OK], Sand Springs[OK], Sapulpa[OK], Shawnee[OK] (3), Shell Knob[MO], Sherwood (2), Siloam Springs (3), Springdale (7), Springfield[MO], Stillwater[OK], Stilwell[OK], Tahlequah[OK], Tulsa[OK] (19), Van Buren (3), Vinita[OK], Wagoner[OK], Walters[OK], Webb City[MO], West Fork, Westville[OK], Yellville, Yukon[OK] Ninety-Fourth Report 49 The Bank of Fayetteville Fayetteville, AR VOICE: (479) 444-4444 FAX: (479) 443-1529 Trust Powers: Yes One South Block 72701 Charter Number: 789 Date: December 1, 2005 FDIC Certificate Number: 26975 Home Page: www.bof.com Member of Federal Reserve System Bank Holding Company Bankshares of Fayetteville, Inc., Fayetteville, AR CEO/Pres: Mary Beth Brooks EVP: Billie Pelton EVP: Bob King EVP/CFO: Sam Stricklin Cash and Due from:..................................... 10,121 Federal Funds and Repos: ................................... 0 Investments:................................................. 78,658 Net Loans:.................................................. 355,064 Premises and Fixed Assets: .......................... 9,401 Other Real Estate: ......................................... 2,060 Other Assets: ............................................... 15,608 Total Assets: .............................................. 470,912 Total Trust Assets: ....................................... 69,139 Deposits: .................................................... 336,811 Federal Funds and Borrowings:................... 94,938 Other Liabilities: ............................................. 2,367 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 434,116 Total Equity Capital:..................................... 36,796 Total Liabilities and Capital:....................... 470,912 Number of Shares Outstanding: ................ 789,604 Directors: Larry Baggett; Woody Bassett; Mary Beth Brooks; Bob Daugherty; Frank Kelly; David McClinton; Ann Rosso; Curtis Shipley; Kent Starr Branches in Town: Five Other Branches: Farmington, Prairie Grove, West Fork Chambers Bank of North Arkansas Fayetteville, AR VOICE: (479) 973-2265 FAX: (479) 973-2201 Trust Powers: No 1685 East Joyce Blvd. 72703 Charter Number: 377 Date: June 1, 1912 FDIC Certificate Number: 108 Home Page: www.communitybnk.com Bank Holding Company Community Investment, Inc., Fayetteville, AR Chm/CEO: Robert Y. Taylor SVP: Bob Harrison Pres: Justin Salter Cash and Due from:....................................... 3,984 Federal Funds and Repos: ............................ 4,585 Investments:................................................. 13,887 Net Loans:.................................................. 267,135 Premises and Fixed Assets: .......................... 5,465 Other Real Estate: ............................................ 489 Other Assets: ............................................... 13,169 Total Assets: .............................................. 308,714 Total Trust Assets: ................................................ 0 Deposits: .................................................... 216,840 Federal Funds and Borrowings:................... 50,000 Other Liabilities: ............................................. 1,268 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 268,108 Total Equity Capital:..................................... 40,606 Total Liabilities and Capital:....................... 308,714 Number of Shares Outstanding: .................. 10,000 Directors: Shirley Blackston; Joyce R. Bunch; Kathy Counce; Justin Salter; Robert Y. Taylor Branches in Town: None Other Branches: Elkins (2), Goshen, Johnson, Rogers, Springdale 50 Arkansas State Bank Department Signature Bank of Arkansas Fayetteville, AR VOICE: (479) 684-3700 FAX: (479) 684-3795 Trust Powers: Yes 3878 N. Crossover Road, Suite 20 72703 Charter Number: 660 Date: August 28, 1933 FDIC Certificate Number: 89 Home Page: www.sbofa.com Bank Holding Company White River Bancshares Company, Fayetteville, AR CEO: Gary R. Head CCO: Dan Hendricks CFO: Mike Hill COO: Marilyn Hendricks Cash and Due from:..................................... 14,285 Federal Funds and Repos: ............................ 8,170 Investments: ................................................ 40,342 Net Loans: ................................................. 514,604 Premises and Fixed Assets: ........................ 10,662 Other Real Estate: ......................................... 2,145 Other Assets: ............................................... 24,385 Total Assets: .............................................. 614,593 Total Trust Assets:................................................ 0 Deposits:.................................................... 481,573 Federal Funds and Borrowings: .................. 64,117 Other Liabilities:............................................. 3,865 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 549,555 Total Equity Capital: .................................... 65,038 Total Liabilities and Capital:....................... 614,593 Number of Shares Outstanding: .................. 30,000 Directors: Gary R. Head ; Douglas Allen; Larry G. Bittle; John A. Cooper, III; John A. Dominick; Matthew Duffy; J. Kirkwood Dupps; Greg Lee; Jerry P. Maland; Reece Parham; Neal R. Pendergraft; Gus Rusher; Beverly Schaffer; Larry Shackelford; Todd Simmons; Ron Strother Branches in Town: None Other Branches: Bella Vista, Bentonville, Brinkley (2), Rogers, Siloam Springs, Springdale Twin Lakes Community Bank Flippin, AR VOICE: (870) 453-8522 FAX: (870) 453-8525 Trust Powers: No 301 South First Street 72634 Charter Number: 620 Date: December 2, 1930 FDIC Certificate Number: 15880 Home Page: www.tlcbank.net Bank Holding Company First National Corporation of Wynne, Wynne, AR Chm/CEO: Judy R. Loving CFO/VP: Marcus Walser Pres: Chad S. Hudson COO/VP: Sandy Garrison Cash and Due from:....................................... 1,275 Federal Funds and Repos: ............................... 690 Investments: ......................................................... 0 Net Loans: ................................................... 40,353 Premises and Fixed Assets: .......................... 3,443 Other Real Estate: ................................................ 0 Other Assets: .................................................... 824 Total Assets: ................................................ 46,585 Total Trust Assets:................................................ 0 Deposits:...................................................... 35,227 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 130 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 35,357 Total Equity Capital: .................................... 11,228 Total Liabilities and Capital:......................... 46,585 Number of Shares Outstanding: ................ 469,594 Directors: Keith Daffron; John Ed Gregson; Harold Hardwick; Randy Hopper; Chad S. Hudson; Philip Hurst; Judy R. Loving; Jeff Magness Branches in Town: None Other Branches: None Ninety-Fourth Report 51 Fordyce Bank & Trust Company Fordyce, AR VOICE: (870) 352-3107 FAX: (870) 352-5202 Trust Powers: Yes 200 West Fourth Street 71742-2202 Charter Number: 631 Date: January 5, 1931 FDIC Certificate Number: 1028 Home Page: www.fordycebank.com Bank Holding Company FBT Bancshares, Inc., Fordyce, AR Chm/CEO/Pres/TO: James V. Hulse, Jr. EVP: Don Lyle EVP: Suzette Crutchfield Cash: Kenda Freer Cash and Due from:....................................... 3,758 Federal Funds and Repos: ............................ 3,605 Investments:................................................. 30,280 Net Loans:.................................................... 60,305 Premises and Fixed Assets: .......................... 2,833 Other Real Estate: ................................................ 4 Other Assets: ................................................. 3,439 Total Assets: .............................................. 104,224 Total Trust Assets: ......................................... 1,238 Deposits: ...................................................... 80,711 Federal Funds and Borrowings:................... 12,750 Other Liabilities: ................................................ 857 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 94,318 Total Equity Capital:....................................... 9,906 Total Liabilities and Capital:....................... 104,224 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 Trust Powers: Yes 210 West Main 72055-0357 Charter Number: 721 Date: January 13, 1967 FDIC Certificate Number: 19722 Bank Holding Company DBT Financial Corporation, DeWitt, AR Chm: Nancy F. Rasco VP: Carl Gunter CEO/Pres/TO: Larry E. Bauer Cash and Due from:....................................... 1,034 Federal Funds and Repos: ............................... 600 Investments:................................................... 5,808 Net Loans:.................................................... 13,166 Premises and Fixed Assets: .......................... 1,119 Other Real Estate: .............................................. 71 Other Assets: ................................................. 3,975 Total Assets: ................................................ 25,773 Total Trust Assets: ......................................... 1,505 Deposits: ...................................................... 18,728 Federal Funds and Borrowings:........................ 650 Other Liabilities: ................................................ 458 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 19,836 Total Equity Capital:....................................... 5,937 Total Liabilities and Capital:......................... 25,773 Number of Shares Outstanding: .................. 12,000 Directors: Donald Ray Dickson; James L. Fly, Jr.; Alton R. Hampton; David Jessup; Charles E. Lumsden; Nancy F. Rasco; Jack Whitmore Branches in Town: None Other Branches: None 52 Arkansas State Bank Department Bank of Gravett Gravette, AR VOICE: (479) 787-5251 FAX: (479) 787-6102 Trust Powers: No 211 Main Street SE 72736 Charter Number: 46 Date: February 28, 1898 FDIC Certificate Number: 5636 Home Page: www.bankofgravett.net Bank Holding Company Gravett Bancshares, Inc., Gravette, AR CEO/Pres: John R. Meade SVP: Kenny Hancock EVP/COO: David N. Wills SVP: Jim Sloan Cash and Due from:....................................... 7,996 Federal Funds and Repos: ................................... 0 Investments: ................................................ 41,354 Net Loans: ................................................. 128,751 Premises and Fixed Assets: .......................... 3,415 Other Real Estate: ......................................... 1,246 Other Assets: ................................................. 7,111 Total Assets: .............................................. 189,873 Total Trust Assets:................................................ 0 Deposits:.................................................... 153,159 Federal Funds and Borrowings: .................. 12,160 Other Liabilities:................................................ 399 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 165,718 Total Equity Capital: .................................... 24,155 Total Liabilities and Capital:....................... 189,873 Number of Shares Outstanding: .................... 4,000 Directors: George Cowgur; Albert P. Dunagin; Jim A. Edmonson; Sharron King; John R. Meade; William R. Meade; Richard T. Pollreis; David N. Wills Branches in Town: One Other Branches: Centerton, Hiwasse First Service Bank Greenbrier, AR VOICE: (501) 679-7300 FAX: (501) 679-6461 Trust Powers: No 134 South Broadview 72058-0430 Charter Number: 732 Date: October 15, 1976 FDIC Certificate Number: 18519 Home Page: www.1stServiceBank.com Bank Holding Company First Service Bancshares, Inc., Greenbrier, AR Chm: Daniel C. Horton Reg Pres: Phillip Ellis CEO/Pres: Thomas H. Grumbles CFO: Kenneth Barnard Cash and Due from:....................................... 8,457 Federal Funds and Repos: ................................... 0 Investments: .................................................. 9,856 Net Loans: ................................................. 178,708 Premises and Fixed Assets: .......................... 9,077 Other Real Estate: ......................................... 1,081 Other Assets: ................................................. 4,021 Total Assets: .............................................. 211,200 Total Trust Assets:................................................ 0 Deposits:.................................................... 185,475 Federal Funds and Borrowings: .................... 8,112 Other Liabilities:............................................. 1,516 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 195,103 Total Equity Capital: .................................... 16,097 Total Liabilities and Capital:....................... 211,200 Number of Shares Outstanding: .................. 15,000 Directors: James Beavers; Steve Bone; Dr. Gary Bowman; Melton Cotton; Thomas H. Grumbles; Jim Hawks; Dr. Kyle D. Hensley; Daniel C. Horton; Dois "Dyke" Johnson; Jerry Kimbrough; Veda McCaslin; Larry Oaks Branches in Town: None Other Branches: Clinton (2), Dermott, Flippin, Marshall, Mountain View, Shirley, Yellville Ninety-Fourth Report 53 Farmers Bank Greenwood, AR VOICE: (479) 996-4171 FAX: (479) 996-6700 Trust Powers: Yes 71 West Center 72936-0610 Charter Number: 243 Date: August 7, 1907 FDIC Certificate Number: 1296 Home Page: www.farmersbankandtrust.com Bank Holding Company Wilkinson Banking Corporation, Greenwood, AR Chm: Elizabeth Wilkinson Pres/Cash/TO: Edward Wilkinson CEO: Stanhope Wilkinson SVP: Tresa Lowe Cash and Due from:....................................... 3,681 Federal Funds and Repos: ............................ 9,550 Investments:................................................. 53,015 Net Loans:.................................................. 106,463 Premises and Fixed Assets: ........................ 20,134 Other Real Estate: ............................................ 808 Other Assets: ................................................. 3,373 Total Assets: .............................................. 197,024 Total Trust Assets: ......................................... 3,603 Deposits: .................................................... 158,608 Federal Funds and Borrowings:........................ 477 Other Liabilities: ................................................ 535 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 159,620 Total Equity Capital:..................................... 37,404 Total Liabilities and Capital:....................... 197,024 Number of Shares Outstanding: .................... 7,500 Directors: Tresa Lowe; Edward Wilkinson; Elizabeth Wilkinson; Norman Wilkinson; Stanhope Wilkinson; Susan Wilkinson Branches in Town: One Other Branches: Barling, Bonanza, Fort Smith (2), Hackett, Hartford, Huntington, Lavaca, Mansfield Farmers Bank Hamburg, AR VOICE: (870) 853-5222 FAX: (870) 853-2333 Trust Powers: No Chm: Nancy Foote Spivey CEO/Pres: Michael Townsend 210 North Main 71646-0350 Charter Number: 680 Date: March 10, 1941 FDIC Certificate Number: 15810 Bank Holding Company None VP: Virginia Bowman VP/Cash: June M. Golden Cash and Due from:....................................... 2,627 Federal Funds and Repos: ............................ 1,658 Investments:................................................. 17,081 Net Loans:.................................................... 13,674 Premises and Fixed Assets: ............................. 941 Other Real Estate: .............................................. 41 Other Assets: .................................................... 418 Total Assets: ................................................ 36,440 Total Trust Assets: ................................................ 0 Deposits: ........................................................ 6,827 Federal Funds and Borrowings:................... 24,701 Other Liabilities: .................................................. 91 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 31,619 Total Equity Capital:....................................... 4,821 Total Liabilities and Capital:......................... 36,440 Number of Shares Outstanding: .................. 44,520 Directors: Gene Barnes; Robert B. Barnes; William E. Foote, IV; Nancy C. Foote Spivey; Freddie Martin; Jack Shell; John W. Spivey; Bobby J. Witherington Branches in Town: None Other Branches: Crossett 54 Arkansas State Bank Department Calhoun County Bank Hampton, AR VOICE: (870) 837-8300 FAX: (870) 837-8310 Trust Powers: No 302 West Main Street 71744-0008 Charter Number: 220 Date: October 26, 1906 FDIC Certificate Number: 88 Home Page: www.ccb-fbsa.com Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm: Searcy W. Harrell, Jr. EVP: Delois Kitchens CEO/Pres: Phillip J. Foster EVP: John F. Marsh Cash and Due from:....................................... 4,649 Federal Funds and Repos: .......................... 11,260 Investments: ................................................ 42,774 Net Loans: ................................................... 92,789 Premises and Fixed Assets: .......................... 2,220 Other Real Estate: ............................................ 104 Other Assets: ................................................. 5,807 Total Assets: .............................................. 159,603 Total Trust Assets:................................................ 0 Deposits:.................................................... 142,783 Federal Funds and Borrowings: .................... 1,247 Other Liabilities:................................................ 783 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 144,813 Total Equity Capital: .................................... 14,790 Total Liabilities and Capital:....................... 159,603 Number of Shares Outstanding: .................... 4,000 Directors: L. D. Becton, III; Dan H. Byars; Gene Dereuisseaux; Phillip J. Foster; Alvin Green; Ben Harrell; Carl Harrell; Jonathan W. Harrell; Searcy W. Harrell, Jr.; Paul E. Lindsey; John F. Marsh; James M. Morgan; Richard H. Mosley; John David Neeley; Richard L. Smith Branches in Town: None Other Branches: Camden (3), Junction City Community First Bank Harrison, AR VOICE: (870) 391-8000 FAX: (870) 391-8081 Trust Powers: Yes 200 East Ridge 72602-0913 Charter Number: 772 Date: October 14, 1997 FDIC Certificate Number: 34611 Home Page: www.communityfirstbank.com Bank Holding Company Community First Bancshares, Inc., Harrison, AR Chm: Jerry Maland VChm: Dan R. Bowers CEO/Pres: David Morton EVP/CFO: Ann Main Cash and Due from:....................................... 9,260 Federal Funds and Repos: .......................... 11,055 Investments: ................................................ 59,177 Net Loans: ................................................. 443,119 Premises and Fixed Assets: ........................ 13,566 Other Real Estate: ......................................... 4,335 Other Assets: ............................................... 13,039 Total Assets: .............................................. 553,551 Total Trust Assets:................................................ 0 Deposits:.................................................... 383,763 Federal Funds and Borrowings: ................ 126,777 Other Liabilities:............................................. 2,573 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 513,113 Total Equity Capital: .................................... 40,438 Total Liabilities and Capital:....................... 553,551 Number of Shares Outstanding: .................. 60,000 Directors: Joe Bennett, M.D.; Dan R. Bowers; John O. Campbell; J. Kirkwood Dupps; Jim Harp; Elizabeth Kelley; Ann Main; Jerry Maland; Louis Melton; Meredith Miller; David Morton; James Nelson; Jim Sprott; Deretha Walker Branches in Town: One Other Branches: Berryville, Eureka Springs, Pea Ridge Ninety-Fourth Report 55 Greers Ferry Lake State Bank Heber Springs, AR VOICE: (501) 362-5883 FAX: (501) 362-0820 Trust Powers: No 1230 Highway 25B North 72543-0970 Charter Number: 755 Date: July 26, 1991 FDIC Certificate Number: 33471 Home Page: www.gflsb.com Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm: Jim S. Gowen, Sr. Pres: Don Rodgers VChm/CEO: Jim S. Gowen, Jr. Cash and Due from:....................................... 8,197 Federal Funds and Repos: ................................... 0 Investments:................................................. 27,007 Net Loans:.................................................... 24,669 Premises and Fixed Assets: .......................... 1,831 Other Real Estate: ............................................ 360 Other Assets: ................................................. 1,453 Total Assets: ................................................ 63,517 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 53,057 Federal Funds and Borrowings:..................... 5,176 Other Liabilities: ................................................ 284 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 58,517 Total Equity Capital:....................................... 5,000 Total Liabilities and Capital:......................... 63,517 Number of Shares Outstanding: .................. 60,000 Directors: Roger Bowman; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Dr. Larry Williams Branches in Town: One Other Branches: Clinton, Greers Ferry Heber Springs State Bank Heber Springs, AR VOICE: (501) 362-5821 FAX: (501) 362-9348 Trust Powers: Yes Second and Main Streets 72543-0030 Charter Number: 735 Date: May 7, 1977 FDIC Certificate Number: 3873 Home Page: www.heberbank.com Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Harry L. Hastings, Jr. EVP: Janice Parrott CEO/Pres: Bill G. Lynch SVP: Cathey Cox Cash and Due from:....................................... 5,518 Federal Funds and Repos: ............................ 2,340 Investments:................................................. 77,475 Net Loans:.................................................... 64,752 Premises and Fixed Assets: .......................... 5,311 Other Real Estate: ......................................... 1,466 Other Assets: ................................................. 6,568 Total Assets: .............................................. 163,430 Total Trust Assets: ................................................ 0 Deposits: .................................................... 140,113 Federal Funds and Borrowings:..................... 7,382 Other Liabilities: ................................................ 621 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 148,116 Total Equity Capital:..................................... 15,314 Total Liabilities and Capital:....................... 163,430 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 Arkansas State Bank Department 56 Horatio State Bank Horatio, AR VOICE: (870) 832-2501 FAX: (870) 832-2577 Trust Powers: No 123 Main Street 71842-0347 Charter Number: 179 Date: May 15, 1905 FDIC Certificate Number: 109 Bank Holding Company Pioneer Bancshares, Inc. of Horatio, Arkansas, Horatio, AR Chm/CEO/Pres: Carl E. Hendrix, III SVP: Edith H. Smith EVP: Wilburn Smith VP: C. E. Hendrix, Jr. Cash and Due from:..................................... 10,354 Federal Funds and Repos: ............................ 5,155 Investments: ................................................ 12,986 Net Loans: ................................................... 55,741 Premises and Fixed Assets: ............................. 871 Other Real Estate: ................................................ 0 Other Assets: .................................................... 884 Total Assets: ................................................ 85,991 Total Trust Assets:................................................ 0 Deposits:...................................................... 76,037 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 245 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 76,282 Total Equity Capital: ...................................... 9,709 Total Liabilities and Capital:......................... 85,991 Number of Shares Outstanding: .................... 2,000 Directors: Margaret S. Griffin; C. E. Hendrix, Jr.; Carl E. Hendrix, III; Edith H. Smith; Wilburn Smith; Elizabeth H. Trimble; Todd B. Trimble Branches in Town: None Other Branches: None Hot Springs Bank & Trust Company Hot Springs, AR VOICE: (501) 525-1033 FAX: (501) 525-1037 Trust Powers: Yes 4446 Central Avenue 71913 Charter Number: 737 Date: July 6, 1978 FDIC Certificate Number: 3855 Home Page: www.hsbanking.com Bank Holding Company Jefferson Bancshares, Inc., Pine Bluff, AR Chm: John P. Garrison EVP/TO: Richard L. Metcalf CEO/Pres: Terry L. Kent SVP/CFO/COO: J. Franklin Bolton Cash and Due from:....................................... 3,151 Federal Funds and Repos: ................................... 0 Investments: .................................................. 4,520 Net Loans: ................................................... 62,343 Premises and Fixed Assets: .......................... 4,977 Other Real Estate: ................................................ 0 Other Assets: .................................................... 861 Total Assets: ................................................ 75,852 Total Trust Assets:....................................... 12,897 Deposits:...................................................... 61,500 Federal Funds and Borrowings: .................... 6,501 Other Liabilities:................................................ 185 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 68,186 Total Equity Capital: ...................................... 7,666 Total Liabilities and Capital:......................... 75,852 Number of Shares Outstanding: .................. 94,900 Directors: Michael R. Ellis; John P. Garrison; Daniel B. Hamby, Jr.; Rodney P. Herndon; Terry L. Kent; Richard L. Metcalf; Sherrill B. Nicolosi Branches in Town: Two Other Branches: Hot Springs Village Ninety-Fourth Report 57 Simmons First Bank of Hot Springs Hot Springs, AR VOICE: (501) 318-1000 FAX: (501) 318-6018 Trust Powers: Yes 100 Werner Drive 71913 Charter Number: 769 Date: April 17, 1997 FDIC Certificate Number: 34473 Home Page: www.simmonsfirst.com Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm: David L. Bartlett SVP: Rick Harris CEO/Pres: Steven Trusty VP: Linda Hogaboom Cash and Due from:....................................... 7,334 Federal Funds and Repos: ............................ 4,245 Investments:................................................. 59,469 Net Loans:.................................................... 82,113 Premises and Fixed Assets: .......................... 2,574 Other Real Estate: ................................................ 0 Other Assets: ............................................... 20,657 Total Assets: .............................................. 176,392 Total Trust Assets: ................................................ 0 Deposits: .................................................... 128,731 Federal Funds and Borrowings:................... 17,304 Other Liabilities: ............................................. 2,348 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 148,383 Total Equity Capital:..................................... 28,009 Total Liabilities and Capital:....................... 176,392 Number of Shares Outstanding: .................. 18,663 Directors: David L. Bartlett; Stuart A. Fleischner, D.D.S.; Louis F. Kleinman; James "Bart" Newman; Sam P. Stathakis, Jr.; Sara Stough; Gene Thomason; Steven W. Trusty Branches in Town: Four Other Branches: None First State Bank of Northwest Arkansas Huntsville, AR VOICE: (479) 582-0700 FAX: (479) 251-8253 Trust Powers: Yes 432 Madison 1650 72740-0667 Charter Number: 756 Date: July 26, 1991 FDIC Certificate Number: 33470 Home Page: www.fsbnwa.com Bank Holding Company Mathias Bancshares, Inc., Springdale, AR Chm: Sam Mathias SVP: Marivel Radcliffe CEO/Pres: Curtis Hutchins SVP: Dave Seal Cash and Due from:....................................... 5,872 Federal Funds and Repos: ............................ 3,055 Investments:................................................... 4,234 Net Loans:.................................................... 49,518 Premises and Fixed Assets: .......................... 2,287 Other Real Estate: ............................................ 889 Other Assets: ................................................. 2,377 Total Assets: ................................................ 68,232 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 51,645 Federal Funds and Borrowings:..................... 7,150 Other Liabilities: ................................................ 653 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 59,448 Total Equity Capital:....................................... 8,784 Total Liabilities and Capital:......................... 68,232 Number of Shares Outstanding: .................. 27,000 Directors: Curtis Hutchins; Sam Mathias; Bob Nickle; Janie Waters Reed; Lew Thompson; Arthur Thurman Branches in Town: One Other Branches: Fayetteville 58 Arkansas State Bank Department First Arkansas Bank & Trust Jacksonville, AR VOICE: (501) 982-4511 FAX: (501) 982-5769 Trust Powers: Yes 600 West Main 72078-0827 Charter Number: 701 Date: August 2, 1949 FDIC Certificate Number: 16849 Home Page: www.Firstarkansasbank.com Bank Holding Company First Arkansas BancShares, Inc., Jacksonville, AR Chm/CEO/Pres: Larry T. Wilson SVP/CFO: Kim Crook EVP: John Hardwick SVP/TO: Pat Teague Cash and Due from:..................................... 18,427 Federal Funds and Repos: ................................... 0 Investments: .............................................. 132,045 Net Loans: ................................................. 281,740 Premises and Fixed Assets: ........................ 14,794 Other Real Estate: ............................................ 872 Other Assets: ............................................... 43,358 Total Assets: .............................................. 491,236 Total Trust Assets:..................................... 103,593 Deposits:.................................................... 374,764 Federal Funds and Borrowings: .................. 17,659 Other Liabilities:............................................. 4,726 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 397,149 Total Equity Capital: .................................... 94,087 Total Liabilities and Capital:....................... 491,236 Number of Shares Outstanding: ................ 200,000 Directors: Cecil Alexander; Ted Belden; Tommy Bond; John A. Davis; Thad Gray; William A. Gwatney; John C. Hardwick; Kathryn W. Roberts; Wetzel Stark; Larry T. Wilson; Michael K. Wilson Branches in Town: Five Other Branches: Austin, Cabot (4), Center Ridge, Concord, Damascus, El Paso, Gravel Ridge, Greenbrier, Greers Ferry, Guy, Heber Springs (3), Marshall, North Little Rock, Pangburn, Quitman, Sherwood Heritage Bank Jonesboro, AR VOICE: (870) 802-2344 FAX: (870) 268-2033 Trust Powers: No 2009 Browns Lane 72403-3020 Charter Number: 703 Date: January 23, 1951 FDIC Certificate Number: 16983 Home Page: www.heritagebankark.com Bank Holding Company Heritage Capital Corporation, Jonesboro, AR Chm: Larry Grisham EVP/CFO: Diane Steiling CEO/Pres: Stephen D. May Cash and Due from:..................................... 16,406 Federal Funds and Repos: ................................... 0 Investments: ................................................ 35,753 Net Loans: ................................................. 177,988 Premises and Fixed Assets: .......................... 6,224 Other Real Estate: ............................................ 424 Other Assets: ................................................. 3,636 Total Assets: .............................................. 240,431 Total Trust Assets:................................................ 0 Deposits:.................................................... 190,522 Federal Funds and Borrowings: .................. 26,398 Other Liabilities:............................................. 1,487 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 218,407 Total Equity Capital: .................................... 22,024 Total Liabilities and Capital:....................... 240,431 Number of Shares Outstanding: .................. 10,000 Directors: Eddie Adams; Jim Boswell; Dr. Ronald Burnett; Jim Fulkerson; Richard Gray; Larry Grisham; Stephen D. May; Oscar Melton, Jr.; Diane Steiling; Leon Swihart; Bob Troutt Branches in Town: Three Other Branches: Caraway, Leachville, Manila, Monette Ninety-Fourth Report 59 Liberty Bank of Arkansas Jonesboro, AR VOICE: (870) 934-9000 FAX: (870) 268-1525 Trust Powers: Yes 2901 East Highland Drive 72401 Charter Number: 787 Date: January 24, 2001 FDIC Certificate Number: 3878 Home Page: www.mylibertybank.com 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:..................................... 46,829 Federal Funds and Repos: ................................... 0 Investments:............................................... 448,075 Net Loans:............................................... 1,803,961 Premises and Fixed Assets: ........................ 91,400 Other Real Estate: ......................................... 5,688 Other Assets: ............................................. 133,278 Total Assets: ........................................... 2,529,231 Total Trust Assets: ..................................... 266,195 Deposits: ................................................. 1,884,720 Federal Funds and Borrowings:................. 345,430 Other Liabilities: ............................................. 8,680 Subordinated Debt:............................................... 0 Total Liabilities: ....................................... 2,238,830 Total Equity Capital:................................... 290,401 Total Liabilities and Capital:.................... 2,529,231 Number of Shares Outstanding: ................ 350,000 Directors: Wayne F. Baker; Susan Cathcart; Richard Darouse; Chris E. Fowler; Jama M. Fowler; Mark P. Fowler; Wallace W. Fowler; John C. Freeman; Moud Gazaway; Stacy Greene; Al M. Heringer, III; Sam W. Hummelstein; Mike Langford; Charles Luter; Hugh McClain; Lloyd H. McCracken, Jr.; Matt Parker; Roy Reaves; James E. Way; William C. Young, Jr. Branches in Town: Seven Other Branches: Atkins, Batesville, Bay, Bentonville, Clarksville, Dardanelle (2), Fayetteville, Fort Smith (4), Gentry, Highland, Monette, Morrilton (2), Mountain Home (2), Paragould (3), Pottsville, Rector, Rogers, Russellville (4), Searcy (3), Siloam Springs (3), Springdale (2), Tontitown, Van Buren Arkansas State Bank Department 60 Simmons First Bank of Jonesboro Jonesboro, AR VOICE: (870) 933-8000 FAX: (870) 933-7565 Trust Powers: Yes 1720 South Caraway Road 72401 Charter Number: 734 Date: December 22, 1976 FDIC Certificate Number: 16715 Home Page: www.simmonsfirst.com Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Barry K. Ledbetter SVP/Sec: Wayne Bond SVP: Kent Bridger Cash and Due from:....................................... 5,465 Federal Funds and Repos: ............................ 1,510 Investments: ................................................ 24,978 Net Loans: ................................................. 236,834 Premises and Fixed Assets: .......................... 7,420 Other Real Estate: ............................................ 191 Other Assets: ................................................. 7,384 Total Assets: .............................................. 283,782 Total Trust Assets:................................................ 0 Deposits:.................................................... 242,397 Federal Funds and Borrowings: .................. 15,240 Other Liabilities:............................................. 1,975 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 259,612 Total Equity Capital: .................................... 24,170 Total Liabilities and Capital:....................... 283,782 Number of Shares Outstanding: ................ 175,000 Directors: Dennis Abell; David Bartlett; Barry K. Ledbetter; Ben Owens, Jr.; David Pyle; Jim Scurlock; Berl A. Smith; Mark Wimpy Branches in Town: Three Other Branches: Paragould, Weiner The Bank of Lake Village Lake Village, AR VOICE: (870) 265-2241 FAX: (870) 265-2125 Trust Powers: No 201 Main Street 71653-0727 Charter Number: 675 Date: October 14, 1937 FDIC Certificate Number: 15547 Home Page: www.bankoflakevillage.com Bank Holding Company Southeast Arkansas Bank Corporation, Lake Village, AR Chm: Charles H. Weissinger, Jr. VChm: William W. Bunker CEO/Pres: Terence J. Alpe Sec: John Todd Potter Cash and Due from:....................................... 1,612 Federal Funds and Repos: ............................ 1,215 Investments: ................................................ 13,741 Net Loans: ................................................... 38,216 Premises and Fixed Assets: .......................... 1,494 Other Real Estate: ............................................ 145 Other Assets: ................................................. 1,864 Total Assets: ................................................ 58,287 Total Trust Assets:................................................ 0 Deposits:...................................................... 51,943 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 151 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 52,094 Total Equity Capital: ...................................... 6,193 Total Liabilities and Capital:......................... 58,287 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 Ninety-Fourth Report 61 Simmons First Bank of South Arkansas Lake Village, AR VOICE: (870) 265-5366 FAX: (870) 265-5558 Trust Powers: Yes 417 Main Street 71653-0271 Charter Number: 716 Date: June 12, 1962 FDIC Certificate Number: 18590 Home Page: www.simmonsfirst.com Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm: Ben V. Floriani EVP: Tommy R. Jarrett CEO/Pres: Freddie G. Black SVP: William F. "Bill" Wisener Cash and Due from:....................................... 5,700 Federal Funds and Repos: ................................... 0 Investments:................................................. 51,541 Net Loans:.................................................... 94,514 Premises and Fixed Assets: .......................... 3,297 Other Real Estate: ................................................ 0 Other Assets: ................................................. 6,113 Total Assets: .............................................. 161,165 Total Trust Assets: ................................................ 0 Deposits: .................................................... 133,884 Federal Funds and Borrowings:................... 11,399 Other Liabilities: ............................................. 1,301 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 146,584 Total Equity Capital:..................................... 14,581 Total Liabilities and Capital:....................... 161,165 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 Little River Bank Lepanto, AR VOICE: (870) 475-2306 FAX: (870) 475-3070 Trust Powers: Yes 202 Greenwood 72354-0340 Charter Number: 498 Date: November 21, 1919 FDIC Certificate Number: 1298 Home Page: www.littleriverbank.com Bank Holding Company Little River Bancshares, Inc., Lepanto, AR CEO/Pres: Benjamin Perry SVP: Lois Criddle EVP: John W. Alderson, IV VP: Ara Sharp Cash and Due from:....................................... 1,356 Federal Funds and Repos: ............................ 1,090 Investments:................................................. 20,949 Net Loans:.................................................... 26,821 Premises and Fixed Assets: ............................. 253 Other Real Estate: ................................................ 0 Other Assets: .................................................... 945 Total Assets: ................................................ 51,414 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 40,863 Federal Funds and Borrowings:..................... 5,000 Other Liabilities: ................................................ 266 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 46,129 Total Equity Capital:....................................... 5,285 Total Liabilities and Capital:......................... 51,414 Number of Shares Outstanding: .................. 10,000 Directors: John W. Alderson, IV; Hadley Ingram Arnold; Scott Arnold, IV; Julanne Ingram; W. Kent Ingram, Jr.; Danette W. Lawrie; Benjamin E. Perry; Ernest B. Portis; Juliet Romano; Henry G. Watkins, III Branches in Town: None Other Branches: None 62 Arkansas State Bank Department Arkansas Bankers' Bank Little Rock, AR VOICE: (501) 371-0535 FAX: (501) 375-2281 Trust Powers: No 1020 West Second Street 72201-2031 Charter Number: 752 Date: April 17, 1990 FDIC Certificate Number: 32960 Home Page: www.arbankersbank.com Member of Federal Reserve System Bank Holding Company Arkansas Bankers' Bancorporation, Inc., Little Rock, AR Chm: Lunsford Bridges SVP: Boyd Rothwell CEO/Pres: James N. Thomason Cash and Due from:....................................... 9,393 Federal Funds and Repos: .......................... 15,605 Investments: ................................................ 93,121 Net Loans: ................................................... 39,825 Premises and Fixed Assets: ............................. 703 Other Real Estate: ................................................ 0 Other Assets: ................................................. 8,216 Total Assets: .............................................. 166,863 Total Trust Assets:................................................ 0 Deposits:.................................................... 111,549 Federal Funds and Borrowings: .................. 34,919 Other Liabilities:............................................. 1,147 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 147,615 Total Equity Capital: .................................... 19,248 Total Liabilities and Capital:....................... 166,863 Number of Shares Outstanding: .................. 50,000 Directors: Lunsford W. Bridges; Gary R. Canada, Sr.; Martin B. Carpenter; Thomas H. Grumbles; Stephen E. Stafford; James N. Thomason; William G. Wright Branches in Town: None Other Branches: None Bank of Little Rock Little Rock, AR VOICE: (501) 376-0800 FAX: (501) 376-1642 Trust Powers: Yes 200 North State Street 72201 Charter Number: 748 Date: May 4, 1989 FDIC Certificate Number: 91280 Home Page: www.bankoflittlerock.com Member of Federal Reserve System Bank Holding Company Little Rock Bankshares, Inc., Little Rock, AR Chm/CEO: Eugene L. Maris EVP: Larry R. Brown Pres: George G. Worthen SVP/Cash: Lee A. Swearingen Cash and Due from:....................................... 5,507 Federal Funds and Repos: ................................... 0 Investments: ................................................ 24,790 Net Loans: ................................................. 105,989 Premises and Fixed Assets: .......................... 7,459 Other Real Estate: ......................................... 3,866 Other Assets: ................................................. 2,346 Total Assets: .............................................. 149,957 Total Trust Assets:................................................ 0 Deposits:.................................................... 133,848 Federal Funds and Borrowings: .................... 1,015 Other Liabilities:............................................. 1,098 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 135,961 Total Equity Capital: .................................... 13,996 Total Liabilities and Capital:....................... 149,957 Number of Shares Outstanding: ................ 100,000 Directors: Eugene L. Maris; James M. May, III; Stephen W. Plunkett; Steven C. Russell; George G. Worthen Branches in Town: Four Other Branches: None Ninety-Fourth Report 63 Bank of the Ozarks Little Rock, AR VOICE: (501) 978-2265 FAX: (501) 978-2205 Trust Powers: Yes 12615 Chenal Parkway 72211 Charter Number: 121 Date: March 24, 1903 FDIC Certificate Number: 110 Home Page: www.bankozarks.com Bank Holding Company Bank of the Ozarks, Inc., Little Rock, AR Chm/CEO: George G. Gleason, II CFO: Paul E. Moore VChm/Pres/COO: Mark D. Ross TO: Rex Kyle Cash and Due from:..................................... 53,028 Federal Funds and Repos: ................................... 0 Investments:............................................... 746,683 Net Loans:............................................... 1,985,754 Premises and Fixed Assets: ...................... 138,435 Other Real Estate: ......................................... 2,994 Other Assets: ............................................. 124,759 Total Assets: ........................................... 3,051,653 Total Trust Assets: ..................................... 717,645 Deposits: ................................................. 2,317,547 Federal Funds and Borrowings:................. 457,557 Other Liabilities: ........................................... 17,434 Subordinated Debt:............................................... 0 Total Liabilities: ....................................... 2,792,538 Total Equity Capital:................................... 255,708 Total Liabilities and Capital:.................... 3,051,653 Number of Shares Outstanding: .................... 2,340 Directors: Jean Arehart; Ian Arnof; Steven M. Arnold; Richard L. Cisne; Robert C. East; George G. Gleason, II; Linda D. Gleason; Henry Mariani; James A. Matthews; R. L. Qualls; Mark D. Ross; Kennith Smith; Robert P. Trevino Branches in Town: Seven Other Branches: Alma, Altus, Bella Vista (2), Bellefonte, Benton (2), Bentonville (2), Bryant, Cabot (2), Clarksville (2), Clinton, Conway (4), Dallas[TX], Fayetteville (2), Fort Smith (3), Frisco[TX] (2), Harrison (2), Hot Springs (3), Jasper, Lewisville[TX], Lonoke, Lonsdale, Marshall, Maumelle, Mountain Home (2), Mulberry, North Little Rock (4), Ozark (2), Paris, Rogers (3), Russellville (3), Sherwood, Springdale, Texarkana, Texarkana[TX] (2), Van Buren (2), Western Grove, Yellville 64 Arkansas State Bank Department The Capital Bank Little Rock, AR VOICE: (501) 228-6000 FAX: (501) 228-6006 Trust Powers: Yes 12224 Chenal Parkway 72211 Charter Number: 771 Date: July 30, 1997 FDIC Certificate Number: 34562 Home Page: www.thecapitalbank.com Member of Federal Reserve System Bank Holding Company Capital Bancshares, Inc., Little Rock, AR CEO/Pres: Kyle E. Patton CFO: Jeanette Nation EVP: Bonnie Crocheron VP: Roane Ashmore Cash and Due from:....................................... 2,496 Federal Funds and Repos: ............................ 2,770 Investments: .............................................. 100,313 Net Loans: ................................................... 91,611 Premises and Fixed Assets: .......................... 4,298 Other Real Estate: ............................................ 875 Other Assets: ................................................. 4,634 Total Assets: .............................................. 206,997 Total Trust Assets:................................................ 0 Deposits:.................................................... 150,040 Federal Funds and Borrowings: .................. 41,938 Other Liabilities:............................................. 1,013 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 192,991 Total Equity Capital: .................................... 14,006 Total Liabilities and Capital:....................... 206,997 Number of Shares Outstanding: .................. 32,013 Directors: Melinda Ballard; Jack Hartsell; Joseph W. Park; Kyle E. Patton; Boyd Rothwell; Warren Stephenson Branches in Town: None Other Branches: North Little Rock Centennial Bank Little Rock, AR VOICE: (501) 748-4800 FAX: (501) 748-4840 Trust Powers: No 8201 Cantrell Road, Suite 140 72227 Charter Number: 165 Date: August 22, 1904 FDIC Certificate Number: 5627 Home Page: www.centennialbank.net Bank Holding Company Home BancShares, Inc., Conway, AR CEO/Pres: Christopher S. Roberts Cash and Due from:....................................... 3,046 Federal Funds and Repos: ............................ 2,526 Investments: ................................................ 25,702 Net Loans: ................................................. 215,104 Premises and Fixed Assets: .......................... 3,239 Other Real Estate: ............................................ 136 Other Assets: ............................................... 20,008 Total Assets: .............................................. 269,761 Total Trust Assets:................................................ 0 Deposits:.................................................... 191,843 Federal Funds and Borrowings: .................. 43,409 Other Liabilities:................................................ 971 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 236,223 Total Equity Capital: .................................... 33,538 Total Liabilities and Capital:....................... 269,761 Number of Shares Outstanding: .................... 3,060 Directors: Blair Allen; John Allison; S. Gene Cauley; Ricky B. Ferguson; C. Joseph Giroir; Sheila Harrison; Richard L. Mays; John T. Olaimey; Christopher S. Roberts; William A. Roberts; Ron Strother; Steve A. Wortman Branches in Town: One Other Branches: Fordyce, Kingsland, New Edinburg, Rison Ninety-Fourth Report 65 Central Bank Little Rock, AR VOICE: (501) 221-6400 FAX: (501) 227-8932 Trust Powers: No 1506 Market Street, Suite C180 Charter Number: 385 72211-1816 Date: August 12, 1912 FDIC Certificate Number: 1756 Home Page: www.centralbankar.com Bank Holding Company None CEO/Pres: John G. Foley CFO: David R. Estes Cash and Due from:....................................... 2,407 Federal Funds and Repos: ............................ 2,905 Investments:................................................. 13,833 Net Loans:.................................................... 50,621 Premises and Fixed Assets: ............................. 410 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,009 Total Assets: ................................................ 71,185 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 47,700 Federal Funds and Borrowings:..................... 7,138 Other Liabilities: ................................................ 201 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 55,039 Total Equity Capital:..................................... 16,146 Total Liabilities and Capital:......................... 71,185 Number of Shares Outstanding: ................ 160,000 Directors: David Estes; Tobi Wells Fairley; John G. Foley; Francis X. "Skip" Frantz; Chris Lehman; James B. Malone; Ken O. (Mac) McClanahan; Michael Murphy; John Reese; R. Steve Roberson; Rodney Thomason; David R. Thompson Branches in Town: None Other Branches: None Eagle Bank & Trust Company Little Rock, AR VOICE: (501) 223-2000 FAX: (501) 223-0373 Trust Powers: Yes 650 South Shackleford, Suite 150 Charter Number: 720 72211 Date: July 28, 1966 FDIC Certificate Number: 19662 Home Page: www.eaglebank.com Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Harry L. Hastings, Jr. SVP/COO: Laura Bogoslavsky CEO/Pres/Cash/TO: Randall K. Herlocker SVP/Cash: Paul Castleberry Cash and Due from:....................................... 2,611 Federal Funds and Repos: ................................... 0 Investments:................................................. 51,980 Net Loans:.................................................... 65,427 Premises and Fixed Assets: ............................. 895 Other Real Estate: ............................................ 640 Other Assets: ................................................. 5,192 Total Assets: .............................................. 126,745 Total Trust Assets: ................................................ 0 Deposits: .................................................... 101,960 Federal Funds and Borrowings:................... 14,492 Other Liabilities: ................................................ 605 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 117,057 Total Equity Capital:....................................... 9,688 Total Liabilities and Capital:....................... 126,745 Number of Shares Outstanding: .................... 8,000 Directors: H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Randall K. Herlocker; Catherine H. Owen Branches in Town: None Other Branches: Gravel Ridge, North Little Rock, Sherwood (3) Arkansas State Bank Department 66 First State Bank Lonoke, AR VOICE: (501) 676-3106 FAX: (501) 676-5046 Trust Powers: No 101 South Center Street 72086-0320 Charter Number: 670 Date: March 9, 1935 FDIC Certificate Number: 15050 Home Page: www.firststatebk.com Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Pres: J. Bruce Loftin Chm: Neil Bennett, Jr. CEO: David R. Estes Cash and Due from:..................................... 12,601 Federal Funds and Repos: ................................... 0 Investments: ................................................ 67,150 Net Loans: ................................................. 238,268 Premises and Fixed Assets: .......................... 4,741 Other Real Estate: ......................................... 1,742 Other Assets: ................................................. 8,743 Total Assets: .............................................. 333,245 Total Trust Assets:................................................ 0 Deposits:.................................................... 269,532 Federal Funds and Borrowings: .................. 33,385 Other Liabilities:............................................. 1,434 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 304,351 Total Equity Capital: .................................... 28,894 Total Liabilities and Capital:....................... 333,245 Number of Shares Outstanding: .................. 16,000 Directors: Robert S. Bailey, Jr.; Neil Bennett, Jr.; Richard Bransford; Charles L. Cabe, Jr.; David R. Estes; William Fletcher, Jr.; Francis X. Frantz; Stan Green; J. L. Griffin; Charles E. Knox; J. Bruce Loftin; J. Walls McCrary; Joe P. Melton, Jr.; Robert Dale Miller; Daina B. Newcomb; D. Scott Rogerson; Alan (Chuck) Sharp; Marvin D. Thaxton, Jr.; Gary A. Thompson Branches in Town: One Other Branches: Carlisle, Fayetteville, Gurdon, Heber Springs, Springdale Farmers Bank and Trust Company Magnolia, AR VOICE: (870) 235-7000 FAX: (870) 235-7010 Trust Powers: Yes 200 East Main Street 71753 Charter Number: 217 Date: September 26, 1906 FDIC Certificate Number: 1291 Home Page: www.fbtarkansas.com Bank Holding Company Magnolia Banking Corporation, Magnolia, AR Chm/CEO: Bob L. Burns Reg Pres/COO/TO: Bruce D. Maloch Pres/CLO: Steve Keith CFO: April Morrison Cash and Due from:..................................... 12,644 Federal Funds and Repos: ................................... 0 Investments: ................................................ 94,642 Net Loans: ................................................. 470,350 Premises and Fixed Assets: ........................ 11,578 Other Real Estate: ......................................... 1,351 Other Assets: ............................................... 31,491 Total Assets: .............................................. 622,056 Total Trust Assets:..................................... 118,561 Deposits:.................................................... 494,389 Federal Funds and Borrowings: .................. 62,714 Other Liabilities:............................................. 6,206 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 563,309 Total Equity Capital: .................................... 58,747 Total Liabilities and Capital:....................... 622,056 Number of Shares Outstanding: ................ 100,000 Directors: John E. Alexander, Jr.; Ronny J. Bell; Bob L. Burns; Dr. Jason Franks; Steve Keith; Bruce D. Maloch; Ken Sibley; T. E. Smith Branches in Town: Three Other Branches: Camden (4), Haskell, Malvern, Rockport, Taylor Ninety-Fourth Report 67 The Peoples Bank Magnolia, AR VOICE: (870) 234-5777 FAX: (870) 234-3384 Trust Powers: Yes 500 North Jackson 71754-0340 Charter Number: 313 Date: June 22, 1910 FDIC Certificate Number: 12531 Home Page: www.peoplesbankmagnolia.com Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm: S. Clark Fincher EVP/COO: Jill McClinton CEO/Pres: Mary L. Fowler CFO: Jonathan Baird Cash and Due from:..................................... 26,774 Federal Funds and Repos: ................................... 0 Investments:................................................. 12,332 Net Loans:.................................................... 50,820 Premises and Fixed Assets: .......................... 2,252 Other Real Estate: .............................................. 72 Other Assets: ................................................. 1,387 Total Assets: ................................................ 93,637 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 65,630 Federal Funds and Borrowings:................... 20,826 Other Liabilities: ................................................ 337 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 86,793 Total Equity Capital:....................................... 6,844 Total Liabilities and Capital:......................... 93,637 Number of Shares Outstanding: .................. 10,000 Directors: Jonathan Baird; Dorothy J. Fincher; Harold H. Fincher; S. Clark Fincher; Mary L. Fowler; Betty Harris; Jill McClinton; Betty L. Scott; Gerald F. Scott; J. David Scott Branches in Town: One Other Branches: Waldo First Community Bank of Eastern Arkansas Marion, AR VOICE: (870) 739-7300 FAX: (870) 739-2234 Trust Powers: Yes 205 Block Street 72364-0747 Charter Number: 775 Date: October 8, 1998 FDIC Certificate Number: 34887 Home Page: www.firstcommunitybank.us Member of Federal Reserve System Bank Holding Company FCB Financial Services, Inc., Marion, AR Chm: Michael D. East EVP: Jack Nall CEO/Pres: Donny Underwood SVP/Cash: Sherry London Cash and Due from:....................................... 6,008 Federal Funds and Repos: ............................... 400 Investments:................................................. 14,289 Net Loans:.................................................... 71,717 Premises and Fixed Assets: .......................... 5,115 Other Real Estate: .............................................. 14 Other Assets: ................................................. 2,363 Total Assets: ................................................ 99,906 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 77,371 Federal Funds and Borrowings:................... 12,000 Other Liabilities: ................................................ 253 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 89,624 Total Equity Capital:..................................... 10,282 Total Liabilities and Capital:......................... 99,906 Number of Shares Outstanding: .................. 60,000 Directors: Thomas J. Anderson; Michael D. East; Frank A. Fogleman; Frank 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 Arkansas State Bank Department 68 First Delta Bank Marked Tree, AR VOICE: (870) 358-6000 FAX: (870) 358-6001 Trust Powers: No Chm: Charles Luter 214 Hester Parker Drive 72365-0635 Charter Number: 704 Date: October 31, 1951 FDIC Certificate Number: 17047 Home Page: www.firstdeltabank.com Bank Holding Company Tyronza Bancshares, Inc., Marked Tree, AR CEO/Pres: Chris M. Lehman Cash and Due from:....................................... 3,924 Federal Funds and Repos: ................................... 0 Investments: ................................................ 20,483 Net Loans: ................................................... 21,543 Premises and Fixed Assets: ............................. 804 Other Real Estate: ................................................ 0 Other Assets: .................................................... 702 Total Assets: ................................................ 47,456 Total Trust Assets:................................................ 0 Deposits:...................................................... 42,225 Federal Funds and Borrowings: ....................... 640 Other Liabilities:................................................ 142 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 43,007 Total Equity Capital: ...................................... 4,449 Total Liabilities and Capital:......................... 47,456 Number of Shares Outstanding: .................... 2,000 Directors: Charles A. Banks; Chris M. Lehman; Charles F. Luter; H. F. Norcross, III; Eugene Vaughn; Lewis M. Wood Branches in Town: None Other Branches: Trumann, Tyronza Bank of McCrory McCrory, AR VOICE: (870) 731-2521 FAX: (870) 731-2859 Trust Powers: Yes 124 Edmonds Avenue 72101-0370 Charter Number: 128 Date: June 8, 1903 FDIC Certificate Number: 1523 Bank Holding Company M. D. Thompson & Son Co., McCrory, AR Chm/CEO/Pres: Sean H. Williams AVP: Nathan Dabbs VP: Tim St. Clair Cash and Due from:....................................... 2,248 Federal Funds and Repos: ............................ 2,545 Investments: ................................................ 22,908 Net Loans: ................................................... 36,387 Premises and Fixed Assets: ............................. 724 Other Real Estate: ............................................ 190 Other Assets: ................................................. 1,216 Total Assets: ................................................ 66,218 Total Trust Assets:................................................ 0 Deposits:...................................................... 57,934 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 393 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 58,327 Total Equity Capital: ...................................... 7,891 Total Liabilities and Capital:......................... 66,218 Number of Shares Outstanding: .................. 20,000 Directors: Bari Cain; John D. Eldridge, III; Fletcher C. Lewis; Alan Morris; Arthur Oliver; Elden Jan Thompson; John G. Thompson; Vance M. Thompson, III; Sean H. Williams Branches in Town: None Other Branches: None Ninety-Fourth Report 69 McGehee Bank McGehee, AR VOICE: (870) 222-3151 FAX: (870) 222-6159 Trust Powers: Yes 301 North Second Street 71654-0787 Charter Number: 661 Date: December 5, 1933 FDIC Certificate Number: 11242 Home Page: www.mcgeheebank.com Bank Holding Company Southeast Financial Bankstock Corporation, McGehee, AR Chm/CEO: William W. Bowman Pres/TO: James M. Smith VChm: John H. Potter, Jr. VP/Cash: Stephen Wilson Cash and Due from:....................................... 8,633 Federal Funds and Repos: ................................... 0 Investments:................................................. 33,604 Net Loans:.................................................... 68,342 Premises and Fixed Assets: ............................. 385 Other Real Estate: ................................................ 0 Other Assets: ................................................. 3,558 Total Assets: .............................................. 114,522 Total Trust Assets: ....................................... 77,785 Deposits: ...................................................... 88,939 Federal Funds and Borrowings:..................... 8,300 Other Liabilities: ............................................. 1,193 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 98,432 Total Equity Capital:..................................... 16,090 Total Liabilities and Capital:....................... 114,522 Number of Shares Outstanding: .................. 80,000 Directors: Lee Bowman; William W. Bowman; Bill E. Elliott; Eugene Gilliam; David S. Leech; John H. Potter, Jr.; James M. Smith; James N. Smith Branches in Town: One Other Branches: Arkansas City, Tillar, Watson The Union Bank of Mena Mena, AR VOICE: (479) 394-2211 FAX: (479) 394-8901 Trust Powers: No 303 Hwy. 71 North 71953-0898 Charter Number: 667 Date: July 25, 1934 FDIC Certificate Number: 14597 Home Page: www.unionbankofmena.com Bank Holding Company Union Bankshares, Inc., Mena, AR Chm: Edward W. Stevenson SVP: Jesse Sullivan CEO/Pres: Philip B. Hensley SVP/CFO: Michael Myers Cash and Due from:..................................... 11,274 Federal Funds and Repos: ............................ 1,320 Investments:................................................. 22,475 Net Loans:.................................................. 108,770 Premises and Fixed Assets: .......................... 4,404 Other Real Estate: ................................................ 6 Other Assets: ................................................. 5,077 Total Assets: .............................................. 153,326 Total Trust Assets: ................................................ 0 Deposits: .................................................... 135,553 Federal Funds and Borrowings:..................... 4,282 Other Liabilities: ............................................. 1,154 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 140,989 Total Equity Capital:..................................... 12,337 Total Liabilities and Capital:....................... 153,326 Number of Shares Outstanding: .................. 12,000 Directors: Robert A. Carver; John A. Crawford; R. L. Hamilton; Philip B. Hensley; David Maddox; John Maddox; Pauline Morrow; P. T. Plunkett; Edward W. Stevenson; John Stevenson; Bill L. Wood Branches in Town: None Other Branches: Hatfield, Wickes Arkansas State Bank Department 70 Commercial Bank & Trust Company Monticello, AR VOICE: (870) 367-6221 FAX: (870) 367-7700 Trust Powers: Yes 212 West Gaines Street 71655 Charter Number: 396 Date: November 29, 1912 FDIC Certificate Number: 90 Home Page: www.commercial-bank.net Bank Holding Company Drew Bancshares, Inc., Monticello, AR Chm: Bennie F. Ryburn, Jr. SVP: Michael Efird Pres/COO: George T. Harris SVP/TO: Rusty Smith Cash and Due from:....................................... 8,684 Federal Funds and Repos: ................................... 0 Investments: ................................................ 42,115 Net Loans: ................................................... 96,413 Premises and Fixed Assets: .......................... 1,796 Other Real Estate: ......................................... 1,172 Other Assets: ................................................. 3,017 Total Assets: .............................................. 153,197 Total Trust Assets:....................................... 10,611 Deposits:.................................................... 138,869 Federal Funds and Borrowings: ....................... 306 Other Liabilities:............................................. 1,136 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 140,311 Total Equity Capital: .................................... 12,886 Total Liabilities and Capital:....................... 153,197 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: Four Other Branches: None Union Bank And Trust Company Monticello, AR VOICE: (870) 460-6400 FAX: (870) 460-6465 Trust Powers: Yes 102 West McCloy 71657-0270 Charter Number: 448 Date: September 15, 1915 FDIC Certificate Number: 1753 Home Page: www.unionbnk.com Bank Holding Company First Union Financial Corporation, Monticello, AR Chm/CEO: Zach McClendon, Jr. EVP/Cash: Reathel Harris Pres: Dave Dickson TO: Gail Hooker Cash and Due from:....................................... 5,263 Federal Funds and Repos: ............................... 180 Investments: ................................................ 40,840 Net Loans: ................................................. 111,270 Premises and Fixed Assets: .......................... 5,088 Other Real Estate: ................................................ 0 Other Assets: ................................................. 9,616 Total Assets: .............................................. 172,257 Total Trust Assets:....................................... 18,917 Deposits:.................................................... 146,420 Federal Funds and Borrowings: .................... 8,030 Other Liabilities:............................................. 1,652 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 156,102 Total Equity Capital: .................................... 16,155 Total Liabilities and Capital:....................... 172,257 Number of Shares Outstanding: .................. 80,000 Directors: Ted Carmical; Charles F. Dearman, Jr.; Dave Dickson; John S. McClendon; Robin McClendon; Zach McClendon, Jr.; John Porter Price; Richard Reinhart; Virgil Trotter Branches in Town: Two Other Branches: Dumas, Pine Bluff, Warren Ninety-Fourth Report 71 Petit Jean State Bank Morrilton, AR VOICE: (501) 354-4988 FAX: (501) 354-6560 Trust Powers: No 707 North Saint Joseph Street Charter Number: 777 72110 Date: January 27, 1999 FDIC Certificate Number: 35084 Home Page: www.pjsb.com Bank Holding Company Petit Jean Bancshares, Inc., Morrilton, AR Chm/Pres: Charles S. Penick SVP: Greg Eby EVP: Suzanne Hartman Cash and Due from:....................................... 3,708 Federal Funds and Repos: ............................ 2,120 Investments:................................................. 28,451 Net Loans:.................................................... 85,854 Premises and Fixed Assets: .......................... 1,000 Other Real Estate: ............................................ 505 Other Assets: ................................................. 3,751 Total Assets: .............................................. 125,389 Total Trust Assets: ................................................ 0 Deposits: .................................................... 108,919 Federal Funds and Borrowings:..................... 2,717 Other Liabilities: ................................................ 743 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 112,379 Total Equity Capital:..................................... 13,010 Total Liabilities and Capital:....................... 125,389 Number of Shares Outstanding: .................. 50,000 Directors: Hall M. Calhoun, III; Katherine Foust; Todd Haynes; Michael D. Koone; Otto Lienhart, II; John Maus; Barry McKuin; Bruce M. Netherton; Charles Ormond; Charles S. Penick; Larry Wayne Smith; Stanton C. Willis Branches in Town: None Other Branches: None Bank of Mountain View Mountain View, AR VOICE: (870) 269-3815 FAX: (870) 269-1804 Trust Powers: No Chm: James G. Hinkle 121 East Main Street 72560-1228 Charter Number: 446 Date: July 21, 1915 FDIC Certificate Number: 12530 Home Page: www.bankofmtnview.com Member of Federal Reserve System Bank Holding Company Home BancShares, Inc., Conway, AR CEO/EVP/Sec: M. L. Waddington Cash and Due from:....................................... 3,891 Federal Funds and Repos: .......................... 10,279 Investments:................................................. 46,042 Net Loans:.................................................. 105,236 Premises and Fixed Assets: .......................... 3,565 Other Real Estate: ............................................ 251 Other Assets: ............................................... 22,920 Total Assets: .............................................. 192,184 Total Trust Assets: ................................................ 0 Deposits: .................................................... 142,168 Federal Funds and Borrowings:................... 17,930 Other Liabilities: ............................................. 1,214 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 161,312 Total Equity Capital:..................................... 30,872 Total Liabilities and Capital:....................... 192,184 Number of Shares Outstanding: .................... 4,000 Directors: John W. Allison; Weldon Duncan; James G. Hinkle; Stotts Isbell; Harold Lancaster; Ron W. Strother; Kenneth Sutton; M. L. Waddington; Kenny Wyatt Branches in Town: One Other Branches: None 72 Arkansas State Bank Department Allied Bank Mulberry, AR VOICE: (479) 997-1154 FAX: (479) 997-1161 Trust Powers: No 311 Main Street 72947-0480 Charter Number: 81 Date: January 15, 1902 FDIC Certificate Number: 91 Home Page: www.justbankit.com Member of Federal Reserve System Bank Holding Company Acme Holding Company, Inc., Mulberry, AR CEO/Pres: Alex Golden SVP/Cash: Dianna J. Millsap Cash and Due from:....................................... 3,373 Federal Funds and Repos: ............................ 1,538 Investments: ................................................ 26,601 Net Loans: ................................................... 92,816 Premises and Fixed Assets: .......................... 4,221 Other Real Estate: ............................................ 559 Other Assets: ................................................. 4,633 Total Assets: .............................................. 133,741 Total Trust Assets:................................................ 0 Deposits:.................................................... 119,071 Federal Funds and Borrowings: ....................... 433 Other Liabilities:................................................ 306 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 119,810 Total Equity Capital: .................................... 13,931 Total Liabilities and Capital:....................... 133,741 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, Van Buren Diamond Bank Murfreesboro, AR VOICE: (870) 285-2172 FAX: (870) 356-2858 Trust Powers: No Chm: Tim Bainum CEO: Duke Bainum 319 East Main 71958 Charter Number: 175 Date: December 19, 1904 FDIC Certificate Number: 1527 Home Page: www.diamondbanking.com Bank Holding Company Bainum Bancorp, Glenwood, AR Interim Pres/CFO: Marnie Oldner Sec: Pam Bennett Cash and Due from:..................................... 17,909 Federal Funds and Repos: ............................... 710 Investments: .............................................. 125,042 Net Loans: ................................................. 224,080 Premises and Fixed Assets: .......................... 8,976 Other Real Estate: ............................................ 260 Other Assets: ................................................. 6,457 Total Assets: .............................................. 383,434 Total Trust Assets:................................................ 0 Deposits:.................................................... 322,934 Federal Funds and Borrowings: .................. 26,047 Other Liabilities:................................................ 975 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 349,956 Total Equity Capital: .................................... 33,478 Total Liabilities and Capital:....................... 383,434 Number of Shares Outstanding: .................. 10,296 Directors: Tim Brotherton; Duke Bainum; Evea Bainum; Tim Bainum; Rick Cox; Robert Evans; John Hearnsberger; Larry Mitchell; Mike Moore; Marnie Oldner; Harold A. Smith; Bill Spigner; George E. Steel, Jr.; Raymond Walls; L. J. Warneke Branches in Town: None Other Branches: DeQueen, Dierks, Glenwood, Hope, Hot Springs (4), Mena, Mineral Springs, Mount Ida, Nashville Ninety-Fourth Report 73 Merchants & Planters Bank Newport, AR VOICE: (870) 523-3601 FAX: (870) 523-3473 Trust Powers: Yes 120 Hazel 72112-0650 Charter Number: 694 Date: March 20, 1946 FDIC Certificate Number: 16464 Home Page: www.mandpbank.com Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/TO: Jim S. Gowen, Sr. SVP: Carla P. Stiger CEO/Pres: Jim S. Gowen, Jr. SVP/Cash: Patricia Davis Cash and Due from:..................................... 20,700 Federal Funds and Repos: ................................... 0 Investments:................................................. 65,268 Net Loans:.................................................... 80,746 Premises and Fixed Assets: .......................... 6,305 Other Real Estate: ......................................... 1,159 Other Assets: ................................................. 4,135 Total Assets: .............................................. 178,313 Total Trust Assets: ....................................... 12,538 Deposits: .................................................... 158,070 Federal Funds and Borrowings:..................... 5,642 Other Liabilities: ............................................. 1,487 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 165,199 Total Equity Capital:..................................... 13,114 Total Liabilities and Capital:....................... 178,313 Number of Shares Outstanding: .................... 9,000 Directors: R. M. Bledsoe; Roger A. Bowman; Thomas R. Curtner; Terry L. Dillon; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Mary K. Hardin; Terry Scoggins; Dr. Larry Williams Branches in Town: One Other Branches: Batesville (2), Des Arc, McCrory, Newark, Tuckerman Twin City Bank North Little Rock, AR VOICE: (501) 603-3811 FAX: (501) 603-3818 Trust Powers: Yes Chm: Richard H. Ashley CEO/Pres: Bob Birch 2716 Lakewood Village Place Charter Number: 757 72116 Date: July 26, 1991 FDIC Certificate Number: 33472 Home Page: www.twincitybank.net Member of Federal Reserve System Bank Holding Company Home BancShares, Inc., Conway, AR EVP: Gordon Silaski SVP: Donna Hardcastle Cash and Due from:..................................... 37,681 Federal Funds and Repos: ............................ 8,000 Investments:............................................... 122,888 Net Loans:.................................................. 515,423 Premises and Fixed Assets: ........................ 17,152 Other Real Estate: ................................................ 0 Other Assets: ............................................... 29,990 Total Assets: .............................................. 731,134 Total Trust Assets: ................................................ 0 Deposits: .................................................... 564,943 Federal Funds and Borrowings:................... 96,424 Other Liabilities: ............................................. 3,658 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 665,025 Total Equity Capital:..................................... 66,109 Total Liabilities and Capital:....................... 731,134 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; Dr. Agustin Fernandez; Barbara McDaniel Graves; Stuart W. Hankins; James Kincannon; Don L. Lindsey, Sr.; Larry Ross; Bob Russell; Mary Anne Salmon; Robert Shell; Ron Strother; William Sutton Branches in Town: Six Other Branches: Bryant, Little Rock (8), Sherwood (2) 74 Arkansas State Bank Department Southern Bank of Commerce Paragould, AR VOICE: (870) 236-2500 FAX: (870) 236-7283 Trust Powers: Yes 1727 West Kingshighway 72450 Charter Number: 781 Date: November 4, 1999 FDIC Certificate Number: 35335 Home Page: www.southernbank-of-commerce.com Member of Federal Reserve System Bank Holding Company None Chm: Louise Miller SVP: Donna Miller CEO/Pres: Greg Miller SVP: Keith Milligan Cash and Due from:....................................... 3,119 Federal Funds and Repos: ............................... 250 Investments: .................................................. 2,441 Net Loans: ................................................... 19,723 Premises and Fixed Assets: .......................... 1,387 Other Real Estate: ............................................ 593 Other Assets: ................................................. 1,177 Total Assets: ................................................ 28,690 Total Trust Assets:................................................ 0 Deposits:...................................................... 25,573 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 246 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 25,819 Total Equity Capital: ...................................... 2,871 Total Liabilities and Capital:......................... 28,690 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 Delta Trust & Bank Parkdale, AR VOICE: (870) 473-2217 FAX: (870) 473-2492 Trust Powers: Yes 1853 Highway 165 South 71661-0037 Charter Number: 141 Date: February 1, 1910 FDIC Certificate Number: 92 Home Page: www.delta-trust.com Bank Holding Company Delta Trust & Banking Corporation, Little Rock, AR Chm: Dewayne Haynes Pres/COO: Carroll Penick VChm/CEO: J. French Hill SVP/TO: Jim Shenep Cash and Due from:....................................... 8,694 Federal Funds and Repos: ............................ 4,030 Investments: ................................................ 29,248 Net Loans: ................................................. 184,777 Premises and Fixed Assets: .......................... 5,631 Other Real Estate: ......................................... 4,652 Other Assets: ................................................. 4,257 Total Assets: .............................................. 241,289 Total Trust Assets:..................................... 285,071 Deposits:.................................................... 219,069 Federal Funds and Borrowings: ....................... 773 Other Liabilities:................................................ 391 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 220,233 Total Equity Capital: .................................... 21,056 Total Liabilities and Capital:....................... 241,289 Number of Shares Outstanding: .................. 16,000 Directors: Jon Bierbaum; B. R. Brown; Mary L. Good; Dewayne Haynes; J. French Hill; Robert LaRoche; Michael Montgomery; George O'Connor; Carroll Penick; George L. Pugh; Leyden Pugh; Thomas R. Pugh, Sr.; Thomas R. Pugh, Jr.; Jane W. Rogers; Morin M. Scott, Jr.; Neill Sloan; Philip Tappan Branches in Town: None Other Branches: Bella Vista, Eudora, Gravette, Hamburg, Little Rock (3), Wilmot Ninety-Fourth Report 75 Evolve Bank & Trust Parkin, AR VOICE: (901) 624-5500 FAX: (901) 624-5540 Trust Powers: Yes Chm: Scot Lenoir CEO/Pres: Scott Stafford 123 West Parkin 72373-0526 Charter Number: 568 Date: June 5, 1925 FDIC Certificate Number: 1299 Home Page: www.ebtonline.com Bank Holding Company Evolve Bancorp, Inc., Parkin, AR EVP: John Chandler CFO: John Clement Cash and Due from:....................................... 4,009 Federal Funds and Repos: ................................. 17 Investments:................................................. 25,323 Net Loans:.................................................... 57,555 Premises and Fixed Assets: ............................. 575 Other Real Estate: .............................................. 49 Other Assets: ................................................. 4,409 Total Assets: ................................................ 91,937 Total Trust Assets: ..................................... 237,151 Deposits: ...................................................... 76,546 Federal Funds and Borrowings:..................... 4,000 Other Liabilities: ................................................ 370 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 80,916 Total Equity Capital:..................................... 11,021 Total Liabilities and Capital:......................... 91,937 Number of Shares Outstanding: .................... 4,000 Directors: Donald Clanton; J. De DeHart; James E. House, Jr.; Scot Lenoir; Scott Stafford; Stephen Valentine Branches in Town: None Other Branches: West Memphis Piggott State Bank Piggott, AR VOICE: (870) 598-3802 FAX: (870) 598-2026 Trust Powers: No 212 West Cherry 72454-0307 Charter Number: 613 Date: March 10, 1930 FDIC Certificate Number: 5628 Home Page: www.piggottstatebank.com Bank Holding Company Piggott Bankstock, Inc., Piggott, AR Chm/CEO/Pres: Paula O. Blackwell VP/Cash: James C. Poole VP: Debra A. Mills Cash and Due from:....................................... 4,170 Federal Funds and Repos: ................................... 0 Investments:................................................. 34,793 Net Loans:.................................................... 29,884 Premises and Fixed Assets: ............................. 583 Other Real Estate: .............................................. 19 Other Assets: .................................................... 758 Total Assets: ................................................ 70,207 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 62,104 Federal Funds and Borrowings:..................... 1,043 Other Liabilities: ................................................ 560 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 63,707 Total Equity Capital:....................................... 6,500 Total Liabilities and Capital:......................... 70,207 Number of Shares Outstanding: .................... 4,000 Directors: Steve Bell; Paula O. Blackwell; James C. Poole Branches in Town: One Other Branches: None 76 Arkansas State Bank Department Home Bank of Arkansas Portland, AR VOICE: (870) 737-2236 FAX: (870) 737-2816 Trust Powers: No 113 Hwy 165 South 71663-0178 Charter Number: 251 Date: January 22, 1908 FDIC Certificate Number: 5629 Home Page: www.homebankofar.com Bank Holding Company Peoples Home Holding, Inc., Greenbrier, AR Chm/CEO/Pres: John Stacks VP: Treva Branscum CFO/VP: Bill Hannah VP: Terry Milam Cash and Due from:....................................... 2,026 Federal Funds and Repos: ............................... 820 Investments: .................................................. 1,937 Net Loans: ................................................... 58,390 Premises and Fixed Assets: .......................... 1,695 Other Real Estate: ............................................ 207 Other Assets: .................................................... 691 Total Assets: ................................................ 65,766 Total Trust Assets:................................................ 0 Deposits:...................................................... 59,233 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 379 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 59,612 Total Equity Capital: ...................................... 6,154 Total Liabilities and Capital:......................... 65,766 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, Little Rock, Marshall Bank of Prescott Prescott, AR VOICE: (870) 887-2688 FAX: (870) 887-6822 Trust Powers: Yes East Second at Main 71857-0490 Charter Number: 162 Date: August 10, 1904 FDIC Certificate Number: 101 Home Page: www.bankofprescott.com Bank Holding Company Prescott Bancshares, Inc., Prescott, AR Chm: John Warren Brannan, Sr. EVP: Gary McCauley CEO/Pres: John Warren Brannan, Jr. Treas/Sec: Karen McLelland Cash and Due from:....................................... 3,500 Federal Funds and Repos: ............................ 3,040 Investments: ................................................ 28,515 Net Loans: ................................................... 31,449 Premises and Fixed Assets: ............................. 353 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,393 Total Assets: ................................................ 68,250 Total Trust Assets:................................................ 0 Deposits:...................................................... 58,237 Federal Funds and Borrowings: ....................... 640 Other Liabilities:................................................ 353 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 59,230 Total Equity Capital: ...................................... 9,020 Total Liabilities and Capital:......................... 68,250 Number of Shares Outstanding: .................. 24,000 Directors: John Warren Brannan, Sr.; John Warren Brannan, Jr.; Brad Crain; Carl Dalrymple, Jr.; Jason Gutierrez; Billy Hines; Phillip McAdams; Gary McCauley; Larry Rhodes; Robert Smith Branches in Town: None Other Branches: None Ninety-Fourth Report 77 The Bank of Rison Rison, AR VOICE: (870) 325-6251 FAX: (870) 325-7661 Trust Powers: No Chm: James L. Moore, Jr. CEO/Pres: James R. Hopson 200 Main Street 71665-0345 Charter Number: 650 Date: March 7, 1932 FDIC Certificate Number: 8730 Bank Holding Company None VP: Cliff Hopson VP/Cash: Felicia Bowlin Cash and Due from:....................................... 2,002 Federal Funds and Repos: ............................ 2,520 Investments:................................................... 7,902 Net Loans:.................................................... 15,479 Premises and Fixed Assets: ............................. 118 Other Real Estate: ................................................ 0 Other Assets: ................................................. 1,113 Total Assets: ................................................ 29,134 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 24,084 Federal Funds and Borrowings:............................ 0 Other Liabilities: .................................................. 61 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 24,145 Total Equity Capital:....................................... 4,989 Total Liabilities and Capital:......................... 29,134 Number of Shares Outstanding: .................... 4,000 Directors: James R. Hopson; James L. Moore, Jr.; Lee Moore; Frank Wilson Branches in Town: None Other Branches: None Bank of Rogers Rogers, AR VOICE: (479) 621-6800 FAX: (479) 621-6801 Trust Powers: No 801 North Dixieland 72757-0699 Charter Number: 765 Date: October 26, 1995 FDIC Certificate Number: 34085 Home Page: www.bankrogers.com Member of Federal Reserve System Bank Holding Company First Bank Corp., Fort Smith, AR Chm/CEO: Dick McLelland Pres: Guy J. Cable Cash and Due from:..................................... 13,038 Federal Funds and Repos: ................................... 0 Investments:................................................. 20,461 Net Loans:.................................................. 107,621 Premises and Fixed Assets: .......................... 8,869 Other Real Estate: ......................................... 7,607 Other Assets: ............................................... 21,543 Total Assets: .............................................. 179,139 Total Trust Assets: ................................................ 0 Deposits: .................................................... 133,563 Federal Funds and Borrowings:................... 13,331 Other Liabilities: ............................................. 1,901 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 148,795 Total Equity Capital:..................................... 30,344 Total Liabilities and Capital:....................... 179,139 Number of Shares Outstanding: .................. 32,150 Directors: Guy J. Cable; Roland Julian; Dick McLelland; Virginia Mocivnik; Kent Rylee; Sam Sicard; Tony Steele; David Swearingen; Jim Williamson; Lewis D. Yarborough Branches in Town: One Other Branches: Centerton, Lowell 78 Arkansas State Bank Department Parkway Bank Rogers, AR VOICE: (479) 464-9797 FAX: (479) 464-9796 Trust Powers: No 3350 Pinnacle Hills Parkway Charter Number: 57 72758 Date: April 23, 1900 FDIC Certificate Number: 20160 Home Page: www.parkway-bank.com Bank Holding Company Parkway Bankshares, Inc., Portland, AR Chm/CEO: Jerry Sadler Reg Pres: Chris Lampkin Reg Pres: Brad Collier CFO: Leslie Borgognoni Cash and Due from:....................................... 4,174 Federal Funds and Repos: ............................ 1,920 Investments: ................................................ 28,399 Net Loans: ................................................. 103,361 Premises and Fixed Assets: .......................... 6,851 Other Real Estate: ............................................ 876 Other Assets: ................................................. 4,152 Total Assets: .............................................. 149,733 Total Trust Assets:................................................ 0 Deposits:.................................................... 122,674 Federal Funds and Borrowings: .................. 12,634 Other Liabilities:................................................ 545 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 135,853 Total Equity Capital: .................................... 13,880 Total Liabilities and Capital:....................... 149,733 Number of Shares Outstanding: .................. 20,000 Directors: Brad Collier; David Covington; Dean Eisma; Chris Lampkin; Michael J. Necessary; Benton Newcome; Joel Newcome; Robert D. Pugh; Jerry Sadler; Eddie Scherm Branches in Town: One Other Branches: Bentonville, Crossett, Monticello (2), Portland Pinnacle Bank Rogers, AR VOICE: (479) 619-2000 FAX: (479) 619-2701 Trust Powers: No 4201 W. New Hope Road, Suite 101 Charter Number: 145 72758 Date: October 31, 1903 FDIC Certificate Number: 11256 Home Page: www.pinnaclebk.com Bank Holding Company Pinnacle Bancshares, Inc., Rogers, AR CEO/Pres: Scott Franklin AVP/Cash: Alicia Baker VP: Dee Cameron Cash and Due from:.......................................... 699 Federal Funds and Repos: ................................. 50 Investments: ................................................ 24,812 Net Loans: ................................................... 95,589 Premises and Fixed Assets: ............................. 457 Other Real Estate: ......................................... 7,193 Other Assets: ................................................. 2,797 Total Assets: .............................................. 131,597 Total Trust Assets:................................................ 0 Deposits:.................................................... 102,484 Federal Funds and Borrowings: .................. 12,401 Other Liabilities:................................................ 415 Subordinated Debt:........................................ 1,000 Total Liabilities:.......................................... 116,300 Total Equity Capital: .................................... 15,297 Total Liabilities and Capital:....................... 131,597 Number of Shares Outstanding: ................ 150,000 Directors: David Estes; Scott Franklin; Thomas Garrison; Clarence Guinn; Michael D. Jeffcoat; Bruce Loftin; Mac McClanahan; Ronald Montgomery; Alan L. Sharp; Ralph Vernetti Branches in Town: None Other Branches: None Ninety-Fourth Report 79 Simmons First Bank of Northwest Arkansas Rogers, AR VOICE: (479) 246-0781 FAX: (479) 246-9354 Trust Powers: Yes 3975 West New Hope Road 72758 Charter Number: 672 Date: July 8, 1935 FDIC Certificate Number: 15233 Home Page: www.simmonsfirst.com Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Thomas W. Spillyards VP: Erica Preston EVP: Dennis Ferguson VP/Cash: Darlene Cheatham Cash and Due from:..................................... 10,396 Federal Funds and Repos: ............................... 750 Investments:................................................. 46,824 Net Loans:.................................................. 212,145 Premises and Fixed Assets: ........................ 15,161 Other Real Estate: ......................................... 2,122 Other Assets: ............................................... 11,860 Total Assets: .............................................. 299,258 Total Trust Assets: ................................................ 0 Deposits: .................................................... 254,271 Federal Funds and Borrowings:................... 16,473 Other Liabilities: ............................................. 1,865 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 272,609 Total Equity Capital:..................................... 26,649 Total Liabilities and Capital:....................... 299,258 Number of Shares Outstanding: .................. 18,000 Directors: David Bartlett; Dennis Ferguson; Martin Gilbert; Ray Hobbs; Charles Clark Irwin; Eric Pianalto; Thomas W. Spillyards; Jim Tull; Sonya Yates Branches in Town: One Other Branches: Bella Vista, Bentonville, Fayetteville, Lincoln, Prairie Grove, Siloam Springs, Springdale (2) First State Bank Russellville, AR VOICE: (479) 498-2400 FAX: (479) 498-2465 Trust Powers: No 3103 East Main 72812 Charter Number: 663 Date: January 12, 1934 FDIC Certificate Number: 13632 Home Page: www.fsbmybank.com Bank Holding Company First State Banking Corporation, Russellville, AR Chm/CEO: Charles Blanchard EVP: Toni B. Laws Pres: Johnny K. Morgan EVP: Max Mathis Cash and Due from:..................................... 10,336 Federal Funds and Repos: ................................... 0 Investments:................................................. 32,231 Net Loans:.................................................. 152,038 Premises and Fixed Assets: .......................... 2,602 Other Real Estate: ................................................ 8 Other Assets: ................................................. 9,185 Total Assets: .............................................. 206,400 Total Trust Assets: ................................................ 0 Deposits: .................................................... 140,682 Federal Funds and Borrowings:................... 45,376 Other Liabilities: ............................................. 1,283 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 187,341 Total Equity Capital:..................................... 19,059 Total Liabilities and Capital:....................... 206,400 Number of Shares Outstanding: .................. 20,000 Directors: James C. Biggers; Charles Blanchard; William H. Bowen; Terry Freeman; Maxie L. Mathis, III; Mike Miller; Johnny K. Morgan; George Tippin; C. Tim White; Robert M. Wilson; Phil Wright Branches in Town: Four Other Branches: Ola, Plainview Arkansas State Bank Department 80 Simmons First Bank of Russellville Russellville, AR VOICE: (479) 967-8000 FAX: (479) 968-6491 Trust Powers: Yes 800 North Arkansas Avenue Charter Number: 192 72801 Date: September 29, 1905 FDIC Certificate Number: 13081 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO: Ronald B. Jackson Reg Pres: Denton Tumbleson Reg Pres: Scott Hill Cash and Due from:..................................... 10,126 Federal Funds and Repos: .......................... 15,455 Investments: ................................................ 34,225 Net Loans: ................................................. 125,226 Premises and Fixed Assets: .......................... 4,974 Other Real Estate: ............................................ 280 Other Assets: ............................................... 22,707 Total Assets: .............................................. 212,993 Total Trust Assets:................................................ 0 Deposits:.................................................... 157,211 Federal Funds and Borrowings: .................. 16,632 Other Liabilities:............................................. 4,443 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 178,286 Total Equity Capital: .................................... 34,707 Total Liabilities and Capital:....................... 212,993 Number of Shares Outstanding: .................... 1,500 Directors: Leon Anderson; Terry Bowie; Dr. Charles Boyce; Keith Cogswell; Ronald B. Jackson; Ike Allen Laws, III; Ed R. Stingley, III; Harve Taylor; Gene Thomason Branches in Town: Three Other Branches: Clarksville (2), Hector Bank of Salem Salem, AR VOICE: (870) 895-2591 FAX: (870) 895-3825 Trust Powers: No 207 West Church Street 72576-0338 Charter Number: 266 Date: December 9, 1908 FDIC Certificate Number: 11243 Home Page: www.bksalem.net Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm/CEO/Pres: Mark Montgomery Cash: Teresa Wray Cash and Due from:....................................... 9,625 Federal Funds and Repos: ............................ 3,228 Investments: .................................................. 5,290 Net Loans: ................................................. 101,639 Premises and Fixed Assets: .......................... 1,790 Other Real Estate: ............................................ 344 Other Assets: ................................................. 6,360 Total Assets: .............................................. 128,276 Total Trust Assets:................................................ 0 Deposits:.................................................... 103,512 Federal Funds and Borrowings: .................. 10,569 Other Liabilities:............................................. 1,244 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 115,325 Total Equity Capital: .................................... 12,951 Total Liabilities and Capital:....................... 128,276 Number of Shares Outstanding: .................. 20,000 Directors: D. Karrol Fowlkes; Mark Montgomery; C. Dwayne Plumlee; Guy R. "Buck" Smith Branches in Town: None Other Branches: Mammoth Spring, Viola Ninety-Fourth Report 81 Logan County Bank Scranton, AR VOICE: (479) 938-2511 FAX: (479) 938-7084 Trust Powers: No Chm/CEO/Pres: Joe Fritsche VP: Jerry L. Davis 600 Main Street 72863-0085 Charter Number: 578 Date: April 7, 1926 FDIC Certificate Number: 5632 Bank Holding Company None VP: Gary Fritsche Cash: Don Fritsche Cash and Due from:....................................... 5,587 Federal Funds and Repos: ............................... 340 Investments:................................................. 36,570 Net Loans:.................................................... 20,213 Premises and Fixed Assets: ............................. 468 Other Real Estate: .............................................. 18 Other Assets: .................................................... 802 Total Assets: ................................................ 63,998 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 53,798 Federal Funds and Borrowings:............................ 0 Other Liabilities: ................................................ 190 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 53,988 Total Equity Capital:..................................... 10,010 Total Liabilities and Capital:......................... 63,998 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 Trust Powers: Yes 314 North Spring 72145-1009 Charter Number: 649 Date: February 6, 1932 FDIC Certificate Number: 5633 Home Page: www.fsbank.com Bank Holding Company First Security Bancorp, Searcy, AR Chm/CEO: Reynie Rutledge TO: Frank Faust Pres: Michael C. Hutsell Cash and Due from:..................................... 52,912 Federal Funds and Repos: .......................... 11,212 Investments:............................................... 532,722 Net Loans:............................................... 1,160,985 Premises and Fixed Assets: ........................ 67,360 Other Real Estate: ....................................... 11,653 Other Assets: ............................................... 62,718 Total Assets: ........................................... 1,899,562 Total Trust Assets: ..................................... 492,754 Deposits: ................................................. 1,609,206 Federal Funds and Borrowings:................. 125,617 Other Liabilities: ............................................. 9,001 Subordinated Debt:............................................... 0 Total Liabilities: ....................................... 1,743,824 Total Equity Capital:................................... 155,738 Total Liabilities and Capital:.................... 1,899,562 Number of Shares Outstanding: .................. 24,000 Directors: Dr. David Burks; Michael C. Hutsell; Steve Lightle; John McKnight; Wayne Ridout; Dr. Porter R. Rodgers, Jr.; Reynie Rutledge; William Scholl; Jim Tarkington; James G. Wilson Branches in Town: Three Other Branches: Beebe (3), Bella Vista, Bentonville, Bryant, Bull Shoals, Cabot (3), Clarksville (3), Coal Hill, Fayetteville (5), Gassville, Griffithville, Heber Springs (2), Jonesboro (2), Judsonia, Little Rock (4), Lowell, Maumelle, McRae, Mountain Home (4), Mountain View, North Little Rock (2), Pangburn, Rogers (3), Springdale (5) 82 Arkansas State Bank Department Simmons First Bank of Searcy Searcy, AR VOICE: (501) 268-7575 FAX: (501) 268-1551 Trust Powers: No 401 South Main 72145-1349 Charter Number: 528 Date: February 17, 1922 FDIC Certificate Number: 12696 Home Page: www.Simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Brooks Davis VP: Kelley Burton Cash and Due from:..................................... 14,485 Federal Funds and Repos: ............................ 1,715 Investments: ................................................ 31,705 Net Loans: ................................................. 101,996 Premises and Fixed Assets: .......................... 4,468 Other Real Estate: .............................................. 80 Other Assets: ................................................. 8,854 Total Assets: .............................................. 163,303 Total Trust Assets:................................................ 0 Deposits:.................................................... 130,036 Federal Funds and Borrowings: .................. 14,761 Other Liabilities:............................................. 1,699 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 146,496 Total Equity Capital: .................................... 16,807 Total Liabilities and Capital:....................... 163,303 Number of Shares Outstanding: .................. 10,000 Directors: Richard Cargile; Brooks Davis; Dennis Donovan; Al Fowler; Joseph Giezeman; Robert Underwood Branches in Town: Two Other Branches: Beebe Peoples Bank Sheridan, AR VOICE: (870) 942-5707 FAX: (870) 942-2489 Trust Powers: No 1120 S. Rock Street 72150 Charter Number: 786 Date: September 11, 2000 FDIC Certificate Number: 57058 Home Page: www.peoplesbankar.com Bank Holding Company None CEO/Pres: John D. Manatt SVP: G. Jannette Jones SVP: Roy E. Baxley VP: Craig L. Manatt Cash and Due from:....................................... 2,176 Federal Funds and Repos: ............................ 4,400 Investments: ................................................ 30,846 Net Loans: ................................................... 43,670 Premises and Fixed Assets: .......................... 2,678 Other Real Estate: ............................................ 160 Other Assets: ................................................. 2,252 Total Assets: ................................................ 86,182 Total Trust Assets:................................................ 0 Deposits:...................................................... 75,715 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 394 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 76,109 Total Equity Capital: .................................... 10,073 Total Liabilities and Capital:......................... 86,182 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: Little Rock Ninety-Fourth Report 83 Smackover State Bank Smackover, AR VOICE: (870) 725-3051 FAX: (870) 725-3049 Trust Powers: Yes 708 North Broadway 71762-0107 Charter Number: 600 Date: April 18, 1928 FDIC Certificate Number: 5623 Home Page: www.smackoverbank.com Bank Holding Company Smackover Bancshares, Inc., Smackover, AR CEO/Pres: Bob Willett SVP: James B. Yeager SVP: J. Drew Tennyson VP/TO: Vicki Davis Cash and Due from:..................................... 10,935 Federal Funds and Repos: .......................... 12,105 Investments:................................................. 69,381 Net Loans:.................................................... 63,593 Premises and Fixed Assets: .......................... 2,642 Other Real Estate: ............................................ 275 Other Assets: ................................................. 1,632 Total Assets: .............................................. 160,563 Total Trust Assets: ......................................... 3,079 Deposits: .................................................... 145,028 Federal Funds and Borrowings:............................ 0 Other Liabilities: ................................................ 633 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 145,661 Total Equity Capital:..................................... 14,902 Total Liabilities and Capital:....................... 160,563 Number of Shares Outstanding: ................ 100,000 Directors: Gary deYampert; J. Drew Tennyson; James M. Tennyson; John D. Trimble, V; Bob Willett; James B. Yeager Branches in Town: None Other Branches: El Dorado (2), Norphlet Riverside Bank Sparkman, AR VOICE: (870) 678-2251 FAX: (870) 678-2401 Trust Powers: No Commerce & Main Streets 71763-0127 Charter Number: 457 Date: September 19, 1916 FDIC Certificate Number: 93 Home Page: www.riversidebanc.com Bank Holding Company Riverside Bancshares, Inc., Little Rock, AR Pres: Robert G. Dudley, Jr. Cash and Due from:....................................... 1,163 Federal Funds and Repos: ................................... 0 Investments:................................................... 2,954 Net Loans:.................................................... 43,646 Premises and Fixed Assets: .......................... 2,449 Other Real Estate: ............................................ 704 Other Assets: ................................................. 1,325 Total Assets: ................................................ 52,241 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 41,327 Federal Funds and Borrowings:..................... 6,625 Other Liabilities: ................................................ 214 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 48,166 Total Equity Capital:....................................... 4,075 Total Liabilities and Capital:......................... 52,241 Number of Shares Outstanding: .................... 3,000 Directors: Stephen C. Davis; Robert G. Dudley, Jr.; Charles T. Gaston; David Matchet; Donny White Branches in Town: None Other Branches: Little Rock 84 Arkansas State Bank Department Bodcaw Bank Stamps, AR VOICE: (870) 533-4486 FAX: (870) 533-4456 Trust Powers: No Chm: J. Paul Nipper Pres/Sec: Scott Hultberg 307 Thomas Street 71860-0008 Charter Number: 106 Date: December 8, 1902 FDIC Certificate Number: 5624 Bank Holding Company Bodcaw Bancshares, Inc., Stamps, AR Cash: Brenda Scroggins Cash and Due from:....................................... 3,752 Federal Funds and Repos: ............................ 2,295 Investments: ................................................ 36,603 Net Loans: ................................................... 25,946 Premises and Fixed Assets: ............................. 125 Other Real Estate: .............................................. 19 Other Assets: .................................................... 565 Total Assets: ................................................ 69,305 Total Trust Assets:................................................ 0 Deposits:...................................................... 62,600 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................ 314 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 62,914 Total Equity Capital: ...................................... 6,391 Total Liabilities and Capital:......................... 69,305 Number of Shares Outstanding: .................. 10,000 Directors: Charles L. Cabe, Jr.; Scott Hultberg; Billie Nipper; J. Paul Nipper; Cynthia Sandefur; Danny K. Smith; J. Woodrow Smith Branches in Town: None Other Branches: None Bank of Star City Star City, AR VOICE: (870) 628-4286 FAX: (870) 628-5274 Trust Powers: No 116 North Lincoln 71667-0069 Charter Number: 567 Date: April 27, 1925 FDIC Certificate Number: 5634 Home Page: www.bankofstarcity.com Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Bennie F. Ryburn, Jr. EVP: Kelley Hunt Pres: R. Mark Owen Cash and Due from:....................................... 4,541 Federal Funds and Repos: ................................... 0 Investments: ................................................ 17,847 Net Loans: ................................................... 63,398 Premises and Fixed Assets: .......................... 3,579 Other Real Estate: ............................................ 242 Other Assets: ................................................. 1,761 Total Assets: ................................................ 91,368 Total Trust Assets:................................................ 0 Deposits:...................................................... 76,559 Federal Funds and Borrowings: .................... 3,008 Other Liabilities:................................................ 237 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 79,804 Total Equity Capital: .................................... 11,564 Total Liabilities and Capital:......................... 91,368 Number of Shares Outstanding: .................. 15,000 Directors: Keith D. Griffin; Kelley Hunt; Tommy L. Lively; Lucille Ollar; R. Mark Owen; Bennie F. Ryburn, Jr.; Marion Ryburn Branches in Town: None Other Branches: Gould, Pine Bluff (2), White Hall Ninety-Fourth Report 85 Security Bank Stephens, AR VOICE: (870) 786-5416 FAX: (870) 786-5419 Trust Powers: No 105 Ruby Street 71764-0007 Charter Number: 692 Date: February 8, 1946 FDIC Certificate Number: 16395 Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm/CEO: Carol Reaves EVP: Duncan Grayson Pres: Guy R. "Buck" Smith EVP/CFO: Cheryl Brown Cash and Due from:....................................... 1,478 Federal Funds and Repos: ............................ 2,450 Investments:................................................... 5,382 Net Loans:.................................................... 29,173 Premises and Fixed Assets: .......................... 1,144 Other Real Estate: ............................................ 718 Other Assets: ................................................. 2,170 Total Assets: ................................................ 42,515 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 37,682 Federal Funds and Borrowings:........................ 531 Other Liabilities: ............................................. 1,039 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 39,252 Total Equity Capital:....................................... 3,263 Total Liabilities and Capital:......................... 42,515 Number of Shares Outstanding: .................. 11,000 Directors: Duncan Grayson; Carol Reaves; Guy R. Smith; Guy R. "Buck" Smith; Jay C. Wilson Branches in Town: None Other Branches: None The Farmers and Merchants Bank Stuttgart, AR VOICE: (870) 673-6911 FAX: (870) 672-4282 Trust Powers: Yes Seventh & Main Streets 72160-1010 Charter Number: 687 Date: December 29, 1944 FDIC Certificate Number: 16216 Home Page: www.mebanking.com Member of Federal Reserve System Bank Holding Company The Farmers and Merchants Bankshares, Inc., Stuttgart, AR Chm: Roy O. McCollum, III EVP: Gary Hudson CEO/Pres: Don Pattillo TO: Richard McMinn Cash and Due from:..................................... 14,945 Federal Funds and Repos: ................................... 0 Investments:............................................... 127,095 Net Loans:.................................................. 290,156 Premises and Fixed Assets: .......................... 7,063 Other Real Estate: ............................................ 438 Other Assets: ............................................... 39,956 Total Assets: .............................................. 479,653 Total Trust Assets: ....................................... 60,387 Deposits: .................................................... 359,118 Federal Funds and Borrowings:................... 47,248 Other Liabilities: ........................................... 17,130 Subordinated Debt:............................................... 0 Total Liabilities: .......................................... 423,496 Total Equity Capital:..................................... 56,157 Total Liabilities and Capital:....................... 479,653 Number of Shares Outstanding: ................ 100,000 Directors: Jerry Carter; Greg Connell; Gary Hudson; Roy O. McCollum, III; Don Pattillo; Mickey Pierce; Robert H. Pond; Robert Seidenstricker; Patricia M. Townsend; Ray Vester Branches in Town: Four Other Branches: Bigelow, Des Arc, DeValls Bluff, DeWitt, Hazen, Morrilton, Perryville 86 Arkansas State Bank Department Bank of Trumann Trumann, AR VOICE: (870) 483-6333 FAX: (870) 483-7512 Trust Powers: No 326 Highway 463 72472-0048 Charter Number: 354 Date: October 2, 1911 FDIC Certificate Number: 11244 Home Page: www.mytrubank.com Bank Holding Company First Delta Bankshares, Inc., Blytheville, AR CEO/Pres: John R. Gillette VP: Paul McAnally CFO: Cheryl McMasters AVP: Shirley Benson Cash and Due from:....................................... 1,947 Federal Funds and Repos: ................................. 75 Investments: ................................................ 21,826 Net Loans: ................................................... 69,163 Premises and Fixed Assets: .......................... 1,157 Other Real Estate: ................................................ 0 Other Assets: ................................................. 6,057 Total Assets: .............................................. 100,225 Total Trust Assets:................................................ 0 Deposits:...................................................... 73,080 Federal Funds and Borrowings: .................... 7,985 Other Liabilities:............................................. 1,212 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 82,277 Total Equity Capital: .................................... 17,948 Total Liabilities and Capital:....................... 100,225 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 Citizens Bank & Trust Company Van Buren, AR VOICE: (479) 474-1201 FAX: (479) 410-1340 Trust Powers: Yes 3110 Alma Hwy. 72956-0469 Charter Number: 328 Date: December 20, 1910 FDIC Certificate Number: 8738 Home Page: www.cbankandtrust.com Member of Federal Reserve System Bank Holding Company First Bank Corp., Fort Smith, AR CEO/Pres: D. Keith Hefner SVP: Joe Dan Stewart EVP: Lance L. Lanier TO: A. C. Moncrief Cash and Due from:..................................... 22,263 Federal Funds and Repos: ................................... 0 Investments: ................................................ 85,028 Net Loans: ................................................. 204,573 Premises and Fixed Assets: .......................... 4,326 Other Real Estate: ......................................... 5,200 Other Assets: ................................................. 7,369 Total Assets: .............................................. 328,759 Total Trust Assets:....................................... 15,360 Deposits:.................................................... 286,842 Federal Funds and Borrowings: .................... 7,337 Other Liabilities:............................................. 2,484 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 296,663 Total Equity Capital: .................................... 32,096 Total Liabilities and Capital:....................... 328,759 Number of Shares Outstanding: .................. 16,000 Directors: Jimmy G. Bell; Warren D. Blaylock; Mont S. Echols, Jr.; Morril H. Harriman; D. Keith Hefner; L. Scott McBrayer; Brett D. Peters; Paul D. Shirley; Samuel M. Sicard; William W. Thomas; James G. Williamson, Jr. Branches in Town: Three Other Branches: Alma, Mountainburg Ninety-Fourth Report 87 First Community Bank of Crawford County Van Buren, AR VOICE: (479) 471-5400 FAX: (479) 471-5404 Trust Powers: No 2925 Alma Highway, Suite A Charter Number: 784 72956 Date: July 7, 2000 FDIC Certificate Number: 35573 Home Page: www.firstcommunity-bank.com Bank Holding Company Ashley Bancstock Company, Crossett, AR Chm: Tim E. Wise SVP: Rex Woods CEO/Pres: Jim Fincher Cash: Karen Brown Cash and Due from:....................................... 2,157 Federal Funds and Repos: ................................... 0 Investments:................................................... 8,063 Net Loans:.................................................... 54,390 Premises and Fixed Assets: .......................... 2,635 Other Real Estate: ................................................ 0 Other Assets: ................................................. 4,339 Total Assets: ................................................ 71,584 Total Trust Assets: ................................................ 0 Deposits: ...................................................... 60,923 Federal Funds and Borrowings:..................... 1,553 Other Liabilities: ................................................ 451 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 62,927 Total Equity Capital:....................................... 8,657 Total Liabilities and Capital:......................... 71,584 Number of Shares Outstanding: .................. 52,840 Directors: Jim Fincher; James David Garner; John Hall; Tim Hodges; Richard Hodo; Eddie Holt; Mark Manes; Clovis Satterfield; Tim E. Wise Branches in Town: One Other Branches: Alma First State Bank of Warren Warren, AR VOICE: (870) 226-2601 FAX: (870) 226-2253 Trust Powers: Yes Main Street 71671-0029 Charter Number: 739 Date: December 12, 1978 FDIC Certificate Number: 94 Home Page: www.firststatewarren.com Bank Holding Company Bradley Bancshares, Inc., Warren, AR Chm/CEO: Bennie Ryburn, Jr. EVP/TO: Hugh Quimby Pres: Freddie M. Mobley Cash and Due from:....................................... 4,839 Federal Funds and Repos: ................................... 0 Investments:................................................. 44,845 Net Loans:.................................................... 52,225 Premises and Fixed Assets: .......................... 1,692 Other Real Estate: ............................................ 528 Other Assets: ................................................. 2,003 Total Assets: .............................................. 106,132 Total Trust Assets: ......................................... 1,647 Deposits: ...................................................... 93,678 Federal Funds and Borrowings:........................ 813 Other Liabilities: ................................................ 609 Subordinated Debt:............................................... 0 Total Liabilities: ............................................ 95,100 Total Equity Capital:..................................... 11,032 Total Liabilities and Capital:....................... 106,132 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 88 Arkansas State Bank Department Warren Bank and Trust Company Warren, AR VOICE: (870) 226-2621 FAX: (870) 226-6261 Trust Powers: Yes Chm: John B. Frazer SVP: Tim Spraggins 201 South Main 71671-0350 Charter Number: 80 Date: December 28, 1901 FDIC Certificate Number: 81 Home Page: www.warrenbanktrust.com Member of Federal Reserve System Bank Holding Company None SVP/CFO/TO: Hunter Johnson SVP/Cash: James E. Smith Cash and Due from:..................................... 12,661 Federal Funds and Repos: ............................... 375 Investments: ................................................ 48,996 Net Loans: ................................................... 72,344 Premises and Fixed Assets: ............................. 786 Other Real Estate: ................................................ 5 Other Assets: ................................................. 1,951 Total Assets: .............................................. 137,118 Total Trust Assets:....................................... 38,049 Deposits:.................................................... 104,260 Federal Funds and Borrowings: .................. 16,811 Other Liabilities:................................................ 568 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 121,639 Total Equity Capital: .................................... 15,479 Total Liabilities and Capital:....................... 137,118 Number of Shares Outstanding: .................. 48,000 Directors: Bruce Anderson; Dr. Donnie R. Bryant; Gerald Burton; Carlton E. Davis; Lawrence H. Derby, Jr.; John B. Frazer, Jr.; Dr. Rocky K. Lindsey; Jeffrey B. McGaha; Dr. Kerry F. Pennington Branches in Town: Two Other Branches: Hermitage Cross County Bank Wynne, AR VOICE: (870) 238-8171 FAX: (870) 238-4052 Trust Powers: Yes 1 Cross County Plaza 72396-0009 Charter Number: 25 Date: June 5, 1891 FDIC Certificate Number: 13821 Home Page: www.crosscountybank.com Member of Federal Reserve System Bank Holding Company Cross County Bancshares, Inc., Wynne, AR Chm: Dr. Willard G. Burks Pres: David Dowd CEO: Mac McClanahan TO: Vincent E. Guest Cash and Due from:....................................... 4,060 Federal Funds and Repos: ................................. 40 Investments: ................................................ 26,846 Net Loans: ................................................. 135,330 Premises and Fixed Assets: .......................... 5,651 Other Real Estate: ............................................ 517 Other Assets: ................................................. 3,900 Total Assets: .............................................. 176,344 Total Trust Assets:................................................ 0 Deposits:.................................................... 138,616 Federal Funds and Borrowings: .................. 16,387 Other Liabilities:................................................ 411 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 155,414 Total Equity Capital: .................................... 20,930 Total Liabilities and Capital:....................... 176,344 Number of Shares Outstanding: .................... 4,000 Directors: Dr. Willard G. Burks; Guy E. Fisher; Albert A. Hess; Pete L. Imboden, III; R. Vance Lawson; Thomas W. Morgan, Jr.; Roger E. Pohlner; Donald L. Reddmann; R. Joe Rennicke; James A. Richardson Branches in Town: One Other Branches: Cherry Valley, Hickory Ridge, Jonesboro REPORT OF THE STATE CHARTERED NON-PROFIT ORGANIZATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2008 90 Arkansas State Bank Department Arkansas Capital Corporation Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Trust Powers: No Chm: David Shindler CEO: C. Sam Walls 200 South Commerce, Suite 400 72201-1766 Charter Number: 1006 Date: August 6, 1958 Home Page: www.arcapital.com Bank Holding Company None Pres: Rush Deacon EVP: Jay W. Wisener Cash and Due from:....................................... 4,926 Federal Funds and Repos: ................................... 0 Investments: .................................................. 5,437 Net Loans: ................................................... 35,522 Premises and Fixed Assets: .......................... 1,457 Other Real Estate: ................................................ 0 Other Assets: ................................................. 2,288 Total Assets: ................................................ 49,630 Total Trust Assets:................................................ 0 Deposits:............................................................... 0 Federal Funds and Borrowings: .................. 43,578 Other Liabilities:............................................. 1,111 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 44,689 Total Equity Capital: ...................................... 4,941 Total Liabilities and Capital:......................... 49,630 Number of Shares Outstanding: .................... 1,060 Directors: Orville E. Abrams; John W. Ahlen; Carl E. Baggett; Phil Baldwin; Dennis Cooper; Rush B. Deacon; Mac Dodson; Maria Haley; James R. Jordan; Virgil L. Miller, Jr.; Bert M. Mullens; Becky Paneitz; Don Pattillo; H. Glenn Rambin; David H. Shindler; William T. Staed; C. Sam Walls Branches in Town: None Other Branches: Fayetteville, Jonesboro REPORT OF TRUST COMPANIES (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2008 Arkansas State Bank Department 92 FirsTrust Financial Services, Inc. Conway, AR VOICE: (501) 312-1442 FAX: (501) 312-1477 Population: 43,167 719 Harkrider, Suite 100 72032 CEO/Pres: Randy Sims Charter Number: 35000 Date: May. 22, 2001 County: Faulkner Sec: Randy Mayor Directors: John Bailey; Robert F. Birch, Jr.; William C. Brazil; Dale Bruns; Tracy M. French; Stuart W. Hankins; Randy Mayor; C. Randall Sims; Ron Strother; Buddy Sutton Branches in Town: One Other Branches: El Dorado Community First Trust Company Hot Springs, AR VOICE: (501) 520-3660 FAX: (501) 520-3667 Population: 35,750 CEO/Pres: William L. Kerst, Jr. 135 Section Line Road, C-1 71913 Charter Number: 35001 Date: Jun. 17, 1998 County: Garland CFO: Leslie Ballentine Directors: Charlotte Arnold, CPA; Robert J. Bruce; Mark Buhrow; Gerald A. Burgener; David French; William L. Kerst, Jr.; Ralph Woodruff Branches in Town: None Other Branches: Hot Springs Village, Little Rock, Russellville REPORT OF THE REGIONAL/COUNTY INDUSTRIAL DEVELOPMENT CORPORATIONS (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2008 Arkansas State Bank Department 94 Central Arkansas Regional Industrial Development Company, Little Rock, AR VOICE: (501) 224-6511 FAX: (501) 954-9419 1525 Merrill Drive, Suite 3000 72221 Charter Number: 30007 Date: Feb. 19, 1998 County: Pulaski Pres: Robert B. Francis Perry County Industrial Development Corporation Perryville, AR VOICE: (501) 889-2621 FAX: (501) 889-2966 Pres: Mark Roland VP: John C. Branscum P. O. Box 869 72126-0869 Charter Number: 30003 Date: Aug. 18, 1994 County: Perry Treas: James C. Hawkins REPORT OF THE CAPITAL DEVELOPMENT COMPANY (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2008 Arkansas State Bank Department 96 Commerce Capital Development Company, LLC Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Pres: C. Sam Walls 200 South Commerce Street, Suite 400 72201 Charter Number: 45001 Date: Aug. 28, 2003 Sec: Sam Walls, III LIST OF COMMERCIAL BANKS BY COUNTY AND MAP OF ARKANSAS COUNTIES JUNE 30, 2008 Arkansas State Bank Department 98 COUNTY BANK CITY Arkansas Arkansas County Bank DeWitt Bank And Trust Company Planters & Merchants Bank The Farmers and Merchants Bank Ashley First National Bank of Crossett First State Bank Farmers Bank Delta Trust & Bank Home Bank of Arkansas Baxter First National Bank and Trust Company Benton Decatur State Bank Bank of Gravett Bank of Rogers Parkway Bank Pinnacle Bank Simmons First Bank of Northwest Arkansas Decatur Gravette Rogers Rogers Rogers Rogers Boone Community First Bank Harrison Bradley First State Bank of Warren Warren Bank and Trust Company Calhoun Calhoun County Bank Carroll The First National Bank of Berryville 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 Greers Ferry Lake State Bank Heber Springs State Bank Cleveland The Bank of Rison Columbia Farmers Bank and Trust Company The Peoples Bank DeWitt DeWitt Gillett Stuttgart Crossett Crossett Hamburg Parkdale Portland Mountain Home Warren Warren Hampton Piggott Heber Springs Heber Springs Rison Magnolia Magnolia Ninety-Fourth Report 99 COUNTY BANK CITY Conway Petit Jean State Bank Craighead Heritage Bank Liberty Bank of Arkansas Simmons First Bank of Jonesboro Jonesboro Jonesboro Jonesboro Crawford Allied Bank Citizens Bank & Trust Company First Community Bank of Crawford County Mulberry Van Buren Van Buren Crittenden First Community Bank of Eastern Arkansas Fidelity National Bank Cross Evolve Bank & Trust 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 Hot Springs Bank & Trust Company Simmons First Bank of Hot Springs Grant Peoples Bank Greene First National Bank Southern Bank of Commerce Hot Spring The Malvern National Bank Independence The Citizens Bank First Community Bank First Southern Bank Morrilton Marion West Memphis Parkin Wynne Wynne Salem Hot Springs Hot Springs Hot Springs Sheridan Paragould Paragould Malvern Batesville Batesville Batesville Arkansas State Bank Department 100 COUNTY BANK CITY 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 Lafayette Community State Bank Bodcaw Bank Lawrence The First National Bank of Lawrence County Lee First National Bank at Marianna Lincoln Bank of Star City 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 Marion Twin Lakes Community Bank Mississippi Farmers Bank And Trust Company The First National Bank in Blytheville Blytheville Blytheville Monroe The Merchants and Planters Bank Clarendon Nevada Bank of Prescott Prescott Ouachita Bank of Bearden Security Bank Bearden Stephens Phillips Helena National Bank First Bank of the Delta, N.A. Helena West Helena Pike Bank of Delight Diamond Bank Delight Murfreesboro Calico Rock Newport Altheimer Pine Bluff Pine Bluff Bradley Stamps Walnut Ridge Marianna Star City Booneville Paris Scranton Cabot England Lonoke Huntsville Flippin Ninety-Fourth Report 101 COUNTY BANK CITY Poinsett Little River Bank First Delta Bank Bank of Trumann Polk The Union Bank of Mena Pope First State Bank Simmons First Bank of Russellville Pulaski First Arkansas Bank & Trust Arkansas Bankers' Bank Bank of Little Rock Bank of the Ozarks The Capital Bank Centennial Bank Central Bank Eagle Bank & Trust Company Metropolitan National Bank One Bank & Trust, National Association National Bank of Arkansas in North Little Rock Twin City Bank Saline The Union Bank of Benton Sebastian The First National Bank of Fort Smith Farmers Bank Sevier First State Bank of DeQueen Horatio State Bank DeQueen Horatio Sharp First National Banking Company Bank of Cave City Ash Flat Cave City St. Francis First National Bank of Eastern Arkansas Forrest City Bank, N.A. Stone Bank of Mountain View Union First Financial Bank Simmons First Bank of El Dorado, N. A. Timberland Bank Smackover State Bank Lepanto Marked Tree Trumann Mena Russellville Russellville Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock North Little Rock North Little Rock Benton Fort Smith Greenwood Forrest City Forrest City Mountain View El Dorado El Dorado El Dorado Smackover Arkansas State Bank Department 102 COUNTY BANK Washington Arvest Bank Bank of Arkansas, N.A. The Bank of Fayetteville Chambers Bank of North Arkansas Signature Bank of Arkansas Legacy National Bank White Citizens State Bank First Security Bank Simmons First Bank of Searcy Woodruff The Bank of Augusta Bank of McCrory Yell Chambers Bank River Town Bank CITY Fayetteville Fayetteville Fayetteville Fayetteville Fayetteville Springdale Bald Knob Searcy Searcy Augusta McCrory Danville Dardanelle Ninety-Fourth Report MAP OF ARKANSAS COUNTIES 103 ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2008 Arkansas State Bank Department 106 Southern Bancorp Inc. Arkadelphia, AR RSSD Number: 1248939 VOICE: (870) 246-3945 FAX: (870) 246-2182 605 Main, Suite 202 71923-6037 Chm: Walter Smiley CEO/Pres: Phillip N. Baldwin CFO/VP: Brent Black Subsidiaries: Elk Horn Bank and Trust Company First Bank of the Delta, N.A. Phillips Insurance Services, Inc. First Investment Advisory Services, Inc. Southern Development Capital Trust Southern Development Statutory Trust II Southern Development Statutory Trust III Southern Development Statutory Trust IV Southern Property Corporation of the Delta Delta Southern Bank Arkadelphia, AR West Helena, AR Elaine, AR Helena, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Ruleville, MS Summit Bancorp, Inc. Arkadelphia, AR RSSD Number: 2618388 VOICE: (870) 246-8070 FAX: (870) 246-7122 409 Main Street P. O. Box 965 71923 Chm: Ross M. Whipple CEO/VChm: W. Conner Eldridge Pres/COO: Marcus J. McCain EVP/CFO: Christopher M. Wewers Subsidiaries: Summit Bank Summit Real Estate Investments, Inc. Arkadelphia, AR Arkadelphia, AR Citizens State Bankshares of Bald Knob, Inc. Bald Knob, AR RSSD Number: 1096822 VOICE: (501) 724-3241 FAX: (501) 724-5985 Chm/CEO/Pres: Larry Kircher Subsidiaries: Citizens State Bank Citizens State Investments, Inc. 306 South Elm Street P. O. Box 200 72010-0200 VChm/Sec: Molly Kircher Bald Knob, AR Bald Knob, AR Ninety-Fourth Report 107 Citizens Bancshares of Batesville, Inc. Batesville, AR RSSD Number: 1131077 VOICE: (870) 793-4441 FAX: (870) 698-6299 200 South Third Street P. O. Box 2156 72503-2156 CEO/Pres: Alan Bufford Sec: Greg Shaver Subsidiaries: The Citizens Bank Citizens Investments, Inc. Citizens Bancshares (AR) Statutory Trust I NOTLEKS, LLC Batesville, AR Batesville, AR Batesville, AR Batesville, AR First Community Bancshares, Inc. Batesville, AR RSSD Number: 2641694 VOICE: (870) 612-3400 FAX: (870) 612-3412 1325 Harrison Street P. O. Box 4327 72501-4327 Chm/CEO/Pres: Dale E. Cole EVP: Boris A. Dover Sec: Frank Tripp Subsidiaries: First Community Bank Batesville Insurance Agency, Inc. First Community Real Estate, Inc. Goodman State Bank Batesville, AR Batesville, AR Batesville, AR Goodman, MO Bearden Bancshares, Inc. Bearden, AR RSSD Number: 2993722 VOICE: (870) 687-2233 FAX: (870) 687-2474 Chm/Pres: Rick Green Subsidiaries: Bank of Bearden BBI Insurance Agency, Inc. #1 Second Street P. O. Box 135 71720-0135 Sec: Ken Riley Bearden, AR Bearden, AR Arkansas State Bank Department 108 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 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 VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Holdings, Inc. Arvest Bank Superior Finance Company Central Mortgage Company Arvest Bank Operations, Inc. Arvest Mortgage Company Arvest Insurance, Inc. Arvest Investments, Inc. First Place on the Creeks, L.L.C. Trust Title Company LLC WACO Title Company ATC Services, Inc. Southwest Cattlemen's Corporation Security Bankcard Center, Inc. Superior Financial Statutory Trust II CFB Aviation, LLC Arvest Trust Company N. A. Arvest Statutory Trust I 125 West Central #218 P.O. Box 1860 72712 Sec: Karla Payne Bentonville, AR Fayetteville, AR Fort Smith, AR Little Rock, AR Lowell, AR Lowell, AR Rogers, AR Rogers, AR Rogers, AR Springdale, AR Springdale, AR Bartlesville, OK Bartlesville, OK Norman, OK Hartford, CT Bentonville, AR Rogers, AR Hartford, CT Ninety-Fourth Report 109 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 Central Mortgage Company Arvest Bank Operations, Inc. Arvest Mortgage Company Arvest Insurance, Inc. Arvest Investments, Inc. First Place on the Creeks, L.L.C. Trust Title Company LLC WACO Title Company ATC Services, Inc. Southwest Cattlemen's Corporation Security Bankcard Center, Inc. Superior Financial Statutory Trust II Fayetteville, AR Fort Smith, AR Little Rock, AR Lowell, AR Lowell, AR Rogers, AR Rogers, AR Rogers, AR Springdale, AR Springdale, AR Bartlesville, OK Bartlesville, OK Norman, OK Hartford, CT Farmers Bancorp, Inc. Blytheville, AR RSSD Number: 1247615 VOICE: (870) 763-8101 FAX: (870) 763-3500 Chm/CEO/Pres: Steve Bell VP: Paula O. Blackwell Subsidiaries: Farmers Bank And Trust Company TBH Global Asset Management LLC 400 West Main Street P. O. Box 688 72316-0688 Sec: Randy Scott Blytheville, AR Nashville, TN Arkansas State Bank Department 110 First Delta Bankshares, Inc. Blytheville, AR RSSD Number: 1097388 VOICE: (870) 763-4443 FAX: (870) 762-5312 120 South Second Street P. O. Box 809 72316-0809 Chm/CEO: Jerry T. Sims Pres: Gary Griffin Subsidiaries: The First National Bank in Blytheville Bank of Trumann Blytheville, AR Trumann, AR First Western Bancshares ESOT Booneville, AR RSSD Number: 2628994 VOICE: (479) 675-0369 FAX: (479) 675-0751 80 West Main P. O. Box 87 72927-0087 Chm: Jeral L. Hampton Subsidiaries: First Western Bancshares, Inc. First Western Bank First Western Financial First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. 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-Fourth Report 111 Community State Bancshares, Inc. Bradley, AR RSSD Number: 3058758 VOICE: (870) 894-3322 FAX: (870) 894-3324 208 West Fourth Street P. O. Box 120 71826-0120 Pres: Jeffrey C. Hobbs VP: Jerry G. Hartline Subsidiaries: Community State Bank Bradley, AR Harrell Bancshares, Inc. Camden, AR RSSD Number: 2352196 VOICE: (870) 837-8300 FAX: (870) 837-8310 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 112 Arkansas State Bank Department Clarendon Holding Co. Clarendon, AR RSSD Number: 1099252 VOICE: (870) 747-3319 FAX: (870) 747-3498 297 Madison P. O. Box 280 72029-0280 Chm: J. Baxter Sharp, III CEO/Pres: J. Kendall Henry Subsidiaries: The Merchants and Planters Bank Clarendon, AR Home BancShares, Inc. Conway, AR RSSD Number: 1491409 VOICE: (501) 328-4663 FAX: (501) 328-4679 Chm/CEO: John W. Allison Pres/COO: Ron Strother Subsidiaries: Community Bank Community Insurance Agency, Inc. Grand Prairie Title Company, Inc. First State Bank First State Mortgage Centennial Bank Bank of Mountain View Sylamore Properties, Inc. Twin City Bank Marine Bank First Data Solutions, Inc. FirsTrust Financial Services, Inc. FirsTrust Financial Services, Inc. Community Financial Group Statutory Trust I Home Bancshares Statutory Trust I Home BancShares Statutory Trust II Marine Bancorp Statutory Trust I Centennial (AR) Statutory Trust I 719 Harkrider Street, Suite 100 P. O. Box 966 72032 CFO: Randy E. Mayor Cabot, AR Cabot, AR Cabot, AR Conway, AR Conway, AR Little Rock, AR Mountain View, AR Mountain View, AR North Little Rock, AR Marathon, FL Conway, AR Conway, AR Little Rock, AR Hartford, CT Hartford, CT Hartford, CT Hartford, CT Wilmington, DE Ninety-Fourth Report 113 Ashley Bancstock Company Crossett, AR RSSD Number: 1099337 VOICE: (870) 364-1300 FAX: (870) 364-2205 218 Main Street 71635 CEO/Pres: Edward Holt EVP: Jim V. Fincher SVP: Bill W. Lee, II Treas: Gerald G. Crawford, II Subsidiaries: First National Bank of Crossett First Community Bank of Crawford County Crossett, AR Van Buren, AR Evergreen Bancshares, Inc. Crossett, AR RSSD Number: 1134797 VOICE: (870) 364-5131 FAX: (870) 364-6329 200 Pine Street P. O. Box 638 71635-0638 CEO/Pres: Richard E. Griffin Subsidiaries: First State Bank Crossett, AR Chambers Bancshares, Inc. Danville, AR RSSD Number: 1141487 VOICE: (479) 495-4680 FAX: (479) 495-4681 Chm/CEO/Pres: John Ed Chambers, III Subsidiaries: Chambers Bank CB Financial Services, Inc. Community Investment, Inc. Chambers Bank of North Arkansas CBI Holdings River Valley Appraisal Sloan Capital Trust I 105 East 9th Street P. O. Box 1330 72833-1330 CFO: Mike Donnell Danville, AR Danville, AR Fayetteville, AR Fayetteville, AR Danville, AR Danville, AR Danville, AR Arkansas State Bank Department 114 Bank of Dardanelle Bankshares, Inc. Dardanelle, AR RSSD Number: 1134546 VOICE: (479) 229-3311 FAX: (479) 229-4180 102 North Front Street P. O. Box 577 72834-0577 CEO/Pres: Ronald L. Taylor Sec: Thomas C. Berryhill Subsidiaries: River Town Bank Dardanelle, AR Peterson Holding Company Decatur, AR RSSD Number: 1845619 VOICE: (479) 752-3281 FAX: (479) 752-8154 Hwy. 59 North P. O. Box 38 72722-0038 Chm: Richard E. Wilmoth CEO/Pres: Vernon L. Austin Subsidiaries: Decatur State Bank Decatur Insurance Agency Grand Savings Bank Decatur, AR Decatur, AR Grove, OK First State Bancshares, Inc. DeQueen, AR RSSD Number: 2032724 VOICE: (870) 642-4423 FAX: (870) 642-2847 Chm: Dennis Smiley Subsidiaries: First State Bank of DeQueen First State Insurance of DeQueen Inc. 402 West Collin Raye Drive P. O. Box 970 71832-0970 CEO/Pres: Gary L. Golden DeQueen, AR DeQueen, AR Ninety-Fourth Report 115 DBT Financial Corporation DeWitt, AR RSSD Number: 1139176 VOICE: (870) 946-3531 FAX: (870) 946-2815 Second and Jefferson Streets P. O. Drawer 71 72042-0071 Pres: Nancy F. Rasco Sec: David Jessup Subsidiaries: DeWitt Bank And Trust Company DBT Realty Company, Inc. Planters & Merchants Bank P & M Real Estate, Inc. DeWitt Bank and Trust Insurance Company, Inc DeWitt, AR DeWitt, AR Gillett, AR Gillett, AR DeWitt, AR DeWitt First Bankshares Corporation DeWitt, AR RSSD Number: 1099243 VOICE: (870) 946-3551 FAX: (870) 946-1562 220 West Cross P. O. Box 511 72042-0511 CEO/Pres: Warren A. Jennings, Sr. Sec: Warren A. Jennings, Jr. Subsidiaries: Arkansas County Bank DeWitt, AR M & F Financial Corporation Dumas, AR RSSD Number: 1099506 VOICE: (870) 382-4311 FAX: (870) 382-5901 Chm/CEO: L. Ashton Adcock Pres: J. Michael Jones Subsidiaries: Merchants & Farmers Bank 500 Highway 65 South P. O. Box 187 71639-0187 Treas/Sec: Betty B. Trites Dumas, AR Arkansas State Bank Department 116 First Financial Banc Corporation El Dorado, AR RSSD Number: 2568102 VOICE: (870) 863-7000 FAX: (870) 881-5393 214 North Washington Street P. O. Box 1754 71730-1754 CEO/Pres: J. Stephen Cameron CFO: Melissa Jerry COO: Jerry Bullard Sec: Debra Martin Subsidiaries: First Financial Bank First Title Services, Inc. First Financial Banc Corporation Statutory Trust I First Financial Statutory Trust III El Dorado, AR El Dorado, AR Hartford, CT New Castle, DE Timberland Bancshares, Inc. El Dorado, AR RSSD Number: 3025246 VOICE: (870) 862-5900 FAX: (870) 862-5432 CEO/Pres: Tandy Menefee EVP: Frankie Pratt 2421 North West Avenue P. O. Box 7205 71731-7205 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 BOE Acquisition Company, Inc. BOE Leasing, LLC England, AR Little Rock, AR Little Rock, AR Ninety-Fourth Report 117 Delta Bancshares of Louisiana, Inc. Eudora, AR RSSD Number: 2806662 VOICE: (870) 355-8311 FAX: (870) 355-8509 111 North Main Street P. O. Box 250 71640-0250 Chm: Charles F. Poole Pres: Gene Keith Subsidiaries: The Eudora Bank West Carroll Community Bank Eudora, AR Oak Grove, LA Eureka Bancshares, Inc. Eureka Springs, AR RSSD Number: 2941769 VOICE: (479) 253-3000 FAX: (479) 253-3004 70 South Main P. O. Box 309 72632-0309 Chm/CEO/Pres: John F. Cross Sec: Charles T. Cross Subsidiaries: Bank of Eureka Springs Eureka Springs, AR Bankshares of Fayetteville, Inc. Fayetteville, AR RSSD Number: 2516970 VOICE: (479) 444-4444 FAX: (479) 443-1529 CEO/Pres: Mary Beth Brooks EVP: Bob King Subsidiaries: The Bank of Fayetteville Bank of Fayetteville East Square LLC BOF Cato Springs, LLC Bankshares of Fayetteville Statutory Trust I One South Block Avenue P.O. Box 1728 72701 EVP: Billie Pelton EVP: Sam Stricklin Fayetteville, AR Fayetteville, AR Fayetteville, AR Fayetteville, AR Arkansas State Bank Department 118 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: Robert Y. Taylor Pres: Justin Salter Subsidiaries: Chambers Bank of North Arkansas Fayetteville, AR White River Bancshares Company Fayetteville, AR RSSD Number: 3306589 VOICE: (479) 684-3700 FAX: (479) 684-3795 3878 N. Crossover Road, Suite 20 P.O. Box 8550 72703 Bank Holding Company Community First Bancshares, Inc., Harrison, AR Chm/CEO/Pres: Gary R. Head CFO: Michael E. Hill 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 Fordyce, AR Ninety-Fourth Report 119 First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (479) 782-2041 FAX: (479) 788-4602 602 Garrison Avenue P. O. Box 7 72902-0007 Chm/CEO/Pres: Samuel M. Sicard EVP: Mont S. Echols, Jr. VP: James G. Williamson, Jr. Sec: Niki Harrison Subsidiaries: The First National Bank of Fort Smith Bank of Rogers Citizens Bank & Trust Company PMF, Inc. Brown-Hiller, Inc. Realty Appraisals, Inc. B-H-C & Associates of Oklahoma National Bank of Sallisaw Fort Smith, AR Rogers, AR Van Buren, AR Van Buren, AR Fort Smith, AR Fort Smith, AR Sallisaw, OK Sallisaw, OK Bainum Bancorp Glenwood, AR RSSD Number: 1491333 VOICE: (870) 356-2121 FAX: (870) 356-2858 205 Hwy 70 East P. O. Box 500 71943 Chm/CEO: Duke Bainum VChm: Tim Bainum CFO: Marnie B. Oldner Sec: Lynda Robbins Subsidiaries: Diamond 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 Subsidiaries: Bank of Gravett 211 South East Main Street P.O. Box 149 72736-0149 VP: Jim A. Edmondson Gravette, AR Arkansas State Bank Department 120 First Service Bancshares, Inc. Greenbrier, AR RSSD Number: 1137266 VOICE: (501) 679-7300 FAX: (501) 679-6461 134 Broadview P.O. Box 430 72058 CEO/Pres: Thomas H. Grumbles Treas/Sec: Daniel C. Horton Sec: Kenneth Barnard Sec: Veronica Studards Subsidiaries: First Service Bank First Service Realty Greenbrier, AR Greenbrier, AR Peoples Home Holding, Inc. Greenbrier, AR RSSD Number: 3029196 VOICE: (501) 679-7283 FAX: (501) 679-7745 Chm/Pres: John Stacks VP: Joe Benton 61 A South Broadview P. O. Box 307 72058 VP: Bill Hannah Sec: Terry Milam Subsidiaries: Home Bank of Arkansas HomeBank Insurance Agency Portland, AR Greenbrier, AR Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (479) 996-4171 FAX: (479) 996-6700 Chm: Elizabeth Wilkinson Subsidiaries: Farmers Bank 71 West Center Street P. O. Box 610 72936-0610 CEO/Pres: Edward Wilkinson Greenwood, AR Ninety-Fourth Report 121 Community First Bancshares, Inc. Harrison, AR RSSD Number: 2754585 VOICE: (870) 391-8000 FAX: (870) 391-8081 200 East Ridge P. O. Box 913 72602-0913 Chm/CEO: Jerry Maland Sec: Dan R. Bowers Subsidiaries: White River Bancshares Company Signature Bank of Arkansas Community First Bank Community First AR Statutory Trust I Mobius Technology Consulting, LLC Fayetteville, AR Fayetteville, AR Harrison, AR Harrison, AR Springfield, MO Pioneer Bancshares, Inc. of Horatio, Arkansas Horatio, AR RSSD Number: 1139091 VOICE: (870) 832-2501 FAX: (870) 832-2577 123 Main Street P. O. Box 347 71842-0347 Chm/CEO/Pres: Edith H. Smith VP: C. E. Hendrix, Jr. Treas/Sec: Carl E. Hendrix, III Subsidiaries: Horatio State Bank Horatio, AR Smith Associated Banking Corporation Hot Springs, AR RSSD Number: 1098004 VOICE: (501) 623-4292 FAX: (501) 623-4688 1801 Central Avenue, Suite B 71901 Chm/CEO: Richard T. Smith Subsidiaries: Bank of Salem SABCO Insurance, Inc. Security Bank Ouachita Properties, Inc. Stephens Security Insurance Agency, Inc. Salem, AR Salem, AR Stephens, AR Stephens, AR Stephens, AR Arkansas State Bank Department 122 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/Asst. Sec: John Hardwick SVP/CFO: Kim Crook Sec: John McNee Subsidiaries: First Arkansas Bank & Trust First Arkansas Mortgage Company First Arkansas Statutory Trust I Jacksonville, AR Jacksonville, AR Jacksonville, AR Heritage Capital Corporation Jonesboro, AR RSSD Number: 1143717 VOICE: (870) 802-2344 FAX: (870) 268-2033 2009 Browns Lane P. O. Box 3020 72403-3020 Chm/CEO: Larry Grisham Pres: Stephen D. 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 Chm/CEO: Wallace W. Fowler Pres: Mark P. Fowler Subsidiaries: Liberty Bank of Arkansas Freedom Insurance Group, Inc. Town & Country Insurance Agency, Inc. Liberty Statutory Trust 1 Liberty Statutory Trust II MSB Capital Trust I Russellville Statutory Trust I 2901 East Highland Drive P.O. Box 7514 72401 VP: John C. Freeman Sec: Lloyd H. McCracken, Jr. Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Ninety-Fourth Report 123 Southeast Arkansas Bank Corporation Lake Village, AR RSSD Number: 1137033 VOICE: (870) 265-2241 FAX: (870) 265-2125 201 Main Street P. O. Box 727 71653-0727 Chm/CEO: Charles H. Weissinger, Jr. VChm: William W. Bunker Pres: Terence J. Alpe COO: Shannon M. Hill Subsidiaries: The Bank of Lake Village BLV Realty, Inc. The Jefferson Agency The Jefferson Bank 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: John W. Alderson, IV 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: Martin Carpenter Subsidiaries: Arkansas Bankers' Bank 1020 West Second Street 72201-2031 CEO/Pres: James N. Thomason Little Rock, AR Arkansas State Bank Department 124 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 Ozark Capital Statutory Trust V Little Rock, AR Boston, MA Wilmington, DE 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 CFO: Jeanette Nation Subsidiaries: The Capital Bank Little Rock, AR Delta Trust & Banking Corporation Little Rock, AR RSSD Number: 2834115 VOICE: (501) 907-2286 FAX: (501) 907-2299 Chm/CEO/Pres: J. French Hill EVP: Carroll Penick Subsidiaries: Delta Trust & Bank Delta Trust Insurance Agency, Inc. Delta Trust Investments, Inc. Moore Mortgage Inc. 11700 Cantrell Road P. O. Box 17607 72223 Sec: Lisa K. Dancer Parkdale, AR Little Rock, AR Little Rock, AR Little Rock, AR Ninety-Fourth Report 125 Little Rock Bankshares, Inc. Little Rock, AR RSSD Number: 2617082 VOICE: (501) 376-0800 FAX: (501) 374-7937 200 North State Street P. O. Box 34090 72203 Chm/CEO: Eugene L. Maris Pres: George G. Worthen EVP: Larry R. Brown SVP/Cash: Lee A. Swearingen Subsidiaries: Bank of Little Rock BLR Mortgage Corp. Hallmark National Mortgage Little Rock, AR Little Rock, AR Little Rock, AR Riverside Bancshares, Inc. Little Rock, AR RSSD Number: 2155342 VOICE: (501) 614-6161 FAX: (501) 614-6162 1001 W. Markham, 2nd Floor 72201 Pres: Stephen C. Davis Sec: David Matchet Subsidiaries: Riverside Bank Arkansas Mortgage Company, Inc. Little Rock Title Company Riverside Mortgage Company, Inc. Sparkman, AR Fayetteville, AR Little Rock, AR Little Rock, AR State Holding Company Little Rock, AR RSSD Number: 1100046 VOICE: (501) 223-3450 FAX: (501) 223-8008 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 450 72211 EVP: Paul Castleberry Sec: Randall K. Herlocker Heber Springs, AR Heber Springs, AR Little Rock, AR Little Rock, AR Little Rock, AR Arkansas State Bank Department 126 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 CFO: Wade A. Ruckle Sec: Karen Hardke Subsidiaries: First State Bank First State Land Co., Inc. Lonoke Statutory Trust I Lonoke Statutory Trust II Lonoke, AR Lonoke, AR Lonoke, AR Lonoke, AR Golden Oaks Bancshares, Inc. Magnolia, AR RSSD Number: 1098684 VOICE: (870) 234-5777 FAX: (870) 234-3384 Chm: S. Clark Fincher VChm: Harold H. Fincher 500 North Jackson Street P. O. Box 340 71754-0340 Pres: Mary L. Fowler Sec: Jill McClinton Subsidiaries: The Peoples Bank Magnolia, AR Magnolia Banking Corporation Magnolia, AR RSSD Number: 1135413 VOICE: (870) 235-7000 FAX: (870) 235-7039 Chm/CEO/Pres: Bob L. Burns EVP: Steve Keith 200 East Main Street P. O. Box 250 71754-0250 EVP: Bruce D. Maloch Sec: T. H. Bradley, Jr. Subsidiaries: Farmers Bank and Trust Company FB&T Insurance Agency of South Arkansas, Inc. Magnolia Properties, Inc. Magnolia Statutory Trust I Magnolia Statutory Trust II Magnolia, AR Magnolia, AR Magnolia, AR Magnolia, AR Magnolia, AR Ninety-Fourth Report 127 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 Treas: Sherry London Sec: Frank A. Fogleman Subsidiaries: First Community Bank of Eastern Arkansas Marion, AR Tyronza Bancshares, Inc. Marked Tree, AR RSSD Number: 1139783 VOICE: (870) 358-6000 FAX: (870) 358-6001 214 Hester Parker Drive P. O. Box 635 72365-0635 Chm: Charles Luter 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 VP/Sec: H. Ripley Thompson Subsidiaries: Bank of McCrory 105 South Edmonds Avenue P. O. Box 388 72101-0388 Sec: Vance M. Thompson, III McCrory, AR Arkansas State Bank Department 128 McGehee Bank Employee Stock Ownership Plan McGehee, AR RSSD Number: 3487965 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd P.O. Box 787 71654 Chm: William W. Bowman VChm: John H. Potter Pres: James M. Smith Subsidiaries: Southeast Financial Bankstock Corporation McGehee Bank McBank Realty McGehee, AR McGehee, AR McGehee, AR Southeast Financial Bankstock Corporation McGehee, AR RSSD Number: 1096662 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd P. O. Box 787 71654-0787 Bank Holding Company McGehee Bank Employee Stock Ownership Plan, McGehee, AR Chm: William W. Bowman VChm: John H. Potter, Jr. Pres: James M. Smith Subsidiaries: McGehee Bank McBank Realty McGehee, AR McGehee, AR Union Bankshares, Inc. Mena, AR RSSD Number: 1099805 VOICE: (479) 394-2211 FAX: (479) 394-3809 Chm: Edward W. Stevenson CEO/Pres: Philip B. Hensley Subsidiaries: The Union Bank of Mena The First National Bank at Paris Union Bankshares Statutory Trust, Inc. 303 Hwy 71 North P. O. Box 898 71953-0898 SVP/CFO: Michael D. Myers Sec: David Maddox Mena, AR Paris, AR Mena, AR Ninety-Fourth Report 129 Drew Bancshares, Inc. Monticello, AR RSSD Number: 1098198 VOICE: (870) 367-2025 FAX: (870) 367-1151 212 West Gaines P. O. Box 150 71657-0150 Chm: Bennie Ryburn, Jr. Pres: George T. Harris SVP: Michael Efird, Sr. SVP: Rusty Smith Subsidiaries: Commercial Bank & Trust Company Monticello, AR First Union Financial Corporation Monticello, AR RSSD Number: 1098880 VOICE: (870) 460-6400 FAX: (870) 460-6465 102 West McCloy P. O. Box 270 71657-0270 Chm/CEO: Zach McClendon, Jr. Pres: Dave Dickson Sec: John S. McClendon Subsidiaries: Union Bank And Trust Company Monticello, AR Petit Jean Bancshares, Inc. Morrilton, AR RSSD Number: 2877402 VOICE: (501) 354-4988 FAX: (501) 354-6560 707 North Saint Joseph Street P. O. Box 680 72110 Pres: Charles S. Penick Subsidiaries: Petit Jean State Bank Morrilton, AR Arkansas State Bank Department 130 Acme Holding Co., Inc. Employee Stock Ownership Plan (ESOP) Mulberry, AR RSSD Number: 2576424 VOICE: (479) 997-1154 FAX: (479) 997-1161 311 Main Street P. O. Drawer A 72947-0480 CEO/Pres: Alex Golden Subsidiaries: Acme Holding Company, Inc. Allied Bank The Mortgage Bank of Arkansas, Inc. Acme Statutory Trust I General Mortgage Co. Mulberry, AR Mulberry, AR Little Rock, 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 Pres: Alex Golden Subsidiaries: Allied Bank The Mortgage Bank of Arkansas, Inc. Acme Statutory Trust I General Mortgage Co. CLO: Lex Golden Mulberry, AR Little Rock, AR Mulberry, AR Mulberry, AR Ninety-Fourth Report 131 M & P Community Bancshares, Inc. Newport, AR RSSD Number: 1491306 VOICE: (870) 523-3601 FAX: (870) 523-3473 120 Hazel Street P. O. Box 650 72112-0650 Bank Holding Company M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan, Newport, AR Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. VP/Sec: Carla P. Stiger Treas: Pat Davis Subsidiaries: 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 M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan Newport, AR RSSD Number: 3394429 VOICE: (870) 523-3601 FAX: (870) 523-3473 Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. 120 Hazel Street P.O. Box 650 72112 VP/Sec: Carla P. Stiger Treas: Pat Davis Subsidiaries: M & P Community Bancshares, Inc. 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. Newport, AR Heber Springs, AR Newport, AR Newport, AR Newport, AR Newport, AR Arkansas State Bank Department 132 Evolve Bancorp, Inc. Parkin, AR RSSD Number: 1142411 VOICE: (901) 624-5500 FAX: (901) 624-5540 123 West Parkin 72373-0526 Bank Holding Company Evolve Financial Group, Inc., Memphis, TN Chm: Scot Lenoir Sec: Scott Stafford Subsidiaries: Evolve Bank & Trust Parkin, AR Piggott Bankstock, Inc. Piggott, AR RSSD Number: 1098321 VOICE: (870) 598-3802 FAX: (870) 598-2026 212 West Cherry Street P. O. Box 307 72454-0307 Chm/CEO/Pres: Paula O. Blackwell Subsidiaries: Piggott State Bank Piggott, AR Jefferson Bancshares, Inc. Pine Bluff, AR RSSD Number: 2267665 VOICE: (870) 535-7222 FAX: (870) 540-1224 Chm/CEO: John P. Garrison VChm: Marie Cotner 912 Poplar Street P.O. Box 7878 71601-4861 Pres/COO: Chuck Morgan Treas/Sec: Ruby G. Owen Subsidiaries: Hot Springs Bank & Trust Company Pine Bluff National Bank Jefferson Bancshares Capital Trust Jefferson Bancshares Capital Trust II Jefferson Insurance and Financial Services, LLC Jefferson Title Company, LLC Hot Springs, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Ninety-Fourth Report 133 Simmons First National Corporation Pine Bluff, AR RSSD Number: 1094828 VOICE: (870) 541-1000 FAX: (870) 541-1123 501 Main Street P. O. Box 7009 71611-7009 Chm/CEO: J. Thomas May Pres/COO: David L. Bartlett EVP: Marty Casteel EVP/CFO: Robert A. Fehlman Subsidiaries: Simmons First Bank of El Dorado, N. A. Simmons First Bank of Hot Springs Simmons First Bank of Jonesboro Simmons First Bank of South Arkansas Simmons First National Bank, N.A. Simmons First Investment Group Simmons First Trust Company, N.A. Simmons First Bank of Northwest Arkansas Simmons First Bank of Russellville Simmons First Bank of Searcy Arkansas Fund, Inc. Simmons First Capital Trust II Simmons First Capital Trust III Simmons First Capital Trust IV Simmons First Mortgage Corporation El Dorado, AR Hot Springs, AR Jonesboro, AR Lake Village, AR Pine Bluff, AR Little Rock, AR Pine Bluff, AR Rogers, AR Russellville, AR Searcy, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Parkway Bankshares, Inc. Portland, AR RSSD Number: 1141188 VOICE: (870) 737-2226 FAX: (870) 737-4263 Chm: Robert D. Pugh Subsidiaries: Parkway Bank 217 N. Main Street P. O. Box 68 71663 CEO/Pres: Jerry Sadler Rogers, AR Arkansas State Bank Department 134 Prescott Bancshares, Inc. Prescott, AR RSSD Number: 2236586 VOICE: (870) 887-2688 FAX: (870) 887-6822 East Second at Main P.O. Drawer 490 71857-0490 Pres: John Warren Brannan, Jr. EVP: Gary McCauley Treas/Sec: Karen McLelland Subsidiaries: Bank of Prescott Prescott, AR Pinnacle Bancshares, Inc. Rogers, AR RSSD Number: 3451416 VOICE: (479) 619-2000 FAX: (479) 619-2702 CEO/Pres: Scott Franklin 4201 West New Hope Road, Suite 101 72758 Sec: David Estes Subsidiaries: Pinnacle Bank Rogers, AR First State Banking Corporation Russellville, AR RSSD Number: 1096448 VOICE: (479) 498-2402 FAX: (479) 498-2465 Chm/CEO: Charles Blanchard Pres: Johnny K. Morgan Subsidiaries: First State Bank Nimrod Real Estate, Inc. FSB Capital Trust II FSB Capital Trust III 3103 East Main Street P. O. Box 10610 72812 CFO/VP: Andrea Nicholson Russellville, AR Plainview, AR Wilmington, DE Wilmington, DE Ninety-Fourth Report 135 First Security Bancorp Searcy, AR RSSD Number: 1096505 VOICE: (501) 279-3401 FAX: (501) 279-3486 314 North Spring P. O. Box 1009 72145-1009 Chm/CEO: Reynie Rutledge Pres: Bill Scholl Subsidiaries: First Security Bank of Conway Heartland Renaissance Fund Sub 1 LLC First Security Bank Heartland Renaissance Fund Sub 1 LLC Peoples Real Estate Management Co. First Security Investment Advisors, Inc. First Security Real Estate Management, Inc. FNBS Investments Inc. Crews & Associates, Inc. First Security Leasing, Inc. Torrent Fire Co. #4 LLC Cheyenne Aircraft LLC Union Air LLC Conway, AR Conway, AR Searcy, AR Conway, AR Mountain Home, AR Searcy, AR Searcy, AR Las Vegas, NV Little Rock, AR Little Rock, AR Little Rock, AR Searcy, AR Searcy, AR Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 CEO/Pres: Bob Willett SVP: J. Drew Tennyson Subsidiaries: Smackover State Bank 708 North Broadway P. O. Box 107 71762-0107 SVP: James B. Yeager VP: Vicki Davis Smackover, AR 136 Arkansas State Bank Department Mathias Bancshares, Inc. Springdale, AR RSSD Number: 1951172 VOICE: (479) 750-9100 FAX: (479) 750-0953 5571 Bleaux Ave. P. O. Box 6485 72766 Chm: Sam Mathias VChm: Arthur Thurman Sec: Curtis Hutchins Subsidiaries: First State Bank of Northwest Arkansas Huntsville, AR Bodcaw Bancshares, Inc. Stamps, AR RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 307 Thomas Street P. O. Box 8 71860-0008 Chm: J. Paul Nipper Subsidiaries: Bodcaw Bank Stamps, AR Star City Bancshares, Inc. Star City, AR RSSD Number: 1131723 VOICE: (870) 628-4286 FAX: (870) 628-5274 116 North Lincoln P. O. Drawer 69 71667-0069 Chm/CEO/Pres: Bennie F. Ryburn, Jr. Subsidiaries: Bank of Star City Star City, AR Ninety-Fourth Report 137 The Farmers and Merchants Bankshares, Inc. Stuttgart, AR RSSD Number: 1099672 VOICE: (870) 673-6911 FAX: (870) 672-4282 708 South Main P. O. Box 1010 72160-1010 Chm: Roy O. McCollum, III CEO/Pres: Don Pattillo Subsidiaries: The Farmers and Merchants Bank F & M Realty, Inc. Perry County Bankshares Statutory Trust Stuttgart, AR Stuttgart, AR Perryville, AR Bradley Bancshares, Inc. Warren, AR RSSD Number: 1097463 VOICE: (870) 226-2601 FAX: (870) 226-2253 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 Arkansas State Bank Department 138 First National Corporation of Wynne Wynne, AR RSSD Number: 1132159 VOICE: (870) 238-2361 FAX: (870) 238-8148 CEO/Pres: Harold Hardwick VP: Paul Hall Subsidiaries: Twin Lakes Community Bank The First National Bank of Wynne 528 Merriman Avenue P. O. Box 129 72396 Treas: Dianne Henderson Sec: Nancy Faulkner Flippin, AR Wynne, AR OUT OF STATE BANK HOLDING COMPANIES AND THEIR ARKANSAS SUBSIDIARIES JUNE 30, 2008 140 Arkansas State Bank Department Evolve Financial Group, Inc. Memphis, TN RSSD Number: 3343351 VOICE: (901) 624-5500 FAX: (901) 624-5540 Chm/CEO: Scot Lenoir Subsidiaries: Evolve Bancorp, Inc. Evolve Bank & Trust Evolve Securities, Inc. Evolve Investment Advisors, Inc. Evolve Mortgage Services, Inc. 8000 Centerview Parkway, Suite 500 38018 Sec: Scott Stafford Parkin, AR Parkin, AR Dallas, TX Memphis, TN Memphis, TN Ninety-Fourth 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 141 142 Arkansas State Bank Department NOTES Ninety-Fourth Report NOTES 143 144 Arkansas State Bank Department NOTES
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