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REPORT OF THE BANK COMMISSIONER OF ARKANSAS 2013 MIKE BEEBE Governor CANDACE A. FRANKS Bank Commissioner NINETY-NINTH ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2013 STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2013 Honorable Mike Beebe Governor of Arkansas Little Rock, Arkansas Governor Beebe: I am pleased to submit to you the Ninety-Ninth 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, 2013. 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-Ninth 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/Branches Approved...................................................................................... 9 Subchapter S Corporation Banks ............................................................................................................. 10 Fiscal Report of The Bank Department .................................................................................................... 11 Federal Supervisory Agencies ................................................................................................................. 12 Trade Associations ................................................................................................................................... 17 Consolidated Report of Condition Data State Chartered Banks .......................................................................................................................... 21 Consolidated Statement of State Chartered Trust Departments ...................................................................................................... 22 Consolidated Report of Condition Data National Banks ...................................................................................................................................... 23 Tier One Leverage Ratios For All Arkansas Commercial Banks ................................................................................................................ 24 National Banks ......................................................................................................................................... 28 Report of State Chartered Commercial Banks ......................................................................................... 30 Report of State Chartered Non-Profit Organization .................................................................................. 82 Report of State Chartered Trust Companies ............................................................................................ 84 Report of Regional/County Industrial Development Corporation ............................................................. 86 Report of Capital Development Company................................................................................................ 88 Commercial Banks Listed by County ....................................................................................................... 90 Map of Arkansas Counties ....................................................................................................................... 94 Arkansas Bank Holding Companies ......................................................................................................... 96 Out of State Bank Holding Companies................................................................................................... 130 Abbreviations .......................................................................................................................................... 131 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-Ninth 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. Marcus McCain Chairman Summit Bank P. O. Box 965 Arkadelphia, AR 71923-0965 VOICE: (870) 230-8067 FAX: (870) 246-0016 TERM EXPIRES: 12-31-14 Mr. John Freeman Vice Chairman Liberty Bank of Arkansas P. O. Box 7514 Jonesboro, AR 72403 VOICE: (870) 268-2373 FAX: (870) 268-1525 TERM EXPIRES: 12-31-15 Mr. Gary Hudson The Farmers and Merchants Bank P. O. Box 1010 Stuttgart, AR 72160 VOICE: (870) 673-6911 FAX: (870) 673-4282 TERM EXPIRES: 12-31-13 Mr. Rodney Parks 10606 Yosemite Valley Drive Little Rock, AR 72212 VOICE: (501) 975-8535 TERM EXPIRES: 12-31-13 Mr. Charles Smith P. O. Box 180490 Fort Smith, AR 72918 VOICE: (479) 788-7427 FAX: (479) 434-4388 TERM EXPIRES: 12-31-13 Ms. Elizabeth Bowles 401 West Capitol Avenue, Suite 700 Little Rock, AR 72201 VOICE: (501) 374-4638 FAX: (501) 376-1377 TERM EXPIRES: 12-31-16 Ninety-Ninth Report Arkansas State Bank Department 400 Hardin Road, Suite 100 Little Rock, AR 72211-3502 VOICE: (501) 324-9019 FAX: (501) 324-9028 http://banking.arkansas.gov/ DEPARTMENTAL ROSTER Candace A. Franks - Bank Commissioner Luther Guinn Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination State Banking Board Susannah T. Marshall - Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination Application Information EXAMINATION AND SUPERVISION Assistant Deputy Bank Commissioners: H. Wilks Marshall, Jr. Richard D. Buzbee Larry M. Hillyard Baker L. Moseley Regulatory Examinations/Regulatory and Banking Procedures Bank Performance Evaluation and Monitoring Personnel Recruitment and Management EXAMINATION PERSONNEL LITTLE ROCK OFFICE Gary W. Bush Certified Examinations Manager Matthew A. Rose – Certified Bank Senior Examiner Mark G. Rye – Certified Bank Senior Examiner Lance A. Nutt – Bank Senior Examiner Jim E. Homan – Bank Senior Examiner Jordan A. Patterson – Bank Junior Examiner Eric D. Roberts – Bank Junior Examiner Scott M. Lambert – Bank Examiner Trainee 5 6 Arkansas State Bank Department LITTLE ROCK OFFICE Michael G. Saunders – Certified Examinations Manager Luke B. Webre – Certified Bank Senior Examiner Jerry C. Corrothers Certified Bank Senior Examiner Kevin C. Mosley – Certified Bank Senior Examiner Kelly M. Victory – Certified Bank Senior Examiner Thomas L. Cook – Certified Bank Senior Examiner Dharmin H. Patel – Commissioned Senior Examiner Chris K. Davis – Bank Senior Examiner Jonathan E. Bull – Bank Senior Examiner J. Michael Wilkins – Bank Examiner Trainee 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 H. Leavell Certified Examinations Manager Shawn M. Dunham – Bank Senior Examiner J. D. Chambliss – Bank Junior Examiner Jordan M. Hurst – Bank Junior Examiner Raychel M. Pendergist – Bank Junior Examiner Chris S. Rittelmeyer – Bank Junior Examiner Johnathon W. Welch – Bank 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 Certified Examinations Manager William R. Milum Bank Senior Examiner R. D. Jackson – Certified Bank Senior Examiner Shaun G. Perkins – Certified Bank Senior Examiner Chris A. Dillon – Certified Bank Senior Examiner W. Kent Darr – Certified Bank Senior Examiner Thomas J. Anderson – Certified Bank Senior Examiner W. Nathan Elliott – Bank Senior Examiner Scott J. Smith – Bank Senior Examiner TRUST Thomas M. Narrell Certified Examinations Manager Stacey D. Leder – Certified Bank Senior Examiner Ninety-Ninth Report INFORMATION SYSTEMS Jeffrey A. Cameron – Certified Examinations Manager Michael L. Green – Certified Bank Senior Examiner Carey W. Sharp – Certified Bank Senior Examiner SPECIAL PROJECTS Bob M. Henry Certified Examinations Manager BANK ANALYSIS AND APPLICATIONS John W. Ashby – Certified Examinations Manager Gregg Qualls – Certified Bank Senior Examiner Cara K. Lank – Certified Bank Senior Examiner Self Examination Bank Reports of Condition and Income Bank Holding Company Reports Research and Financial Analysis Public Information Requests Application Analysis Consumer Complaints TRAINING Richard S. Plotkin – Certified Examinations Manager Jacklyn G. Powell – Certified Bank Senior Examiner Training/Orientation/Education LEGAL DIVISION P. Brent Taylor – Attorney Rules and Regulations Legal Filings and Inquiries Consumer Complaints INFORMATION TECHNOLOGY Robert L. Hughes Administrator Mitch L. Vire Systems Specialist Greg F. Langley Systems Specialist Data Processing Support Research and Development Application Programming 7 8 Arkansas State Bank Department ADMINISTRATION DIVISION Gail Green – Fiscal Division Manager Vicki A. Wise – Human Resource Analyst Devan E. May – Human Resource Analyst Sharon K. Hacker – Accountant Accounting and Employee Services Budget/Personnel/Payroll Performance Evaluation Expense Disbursement Purchasing Cynthia L. Nixon Executive Assistant to the Commissioner Jane R. English Administrative Analyst Lori A. Morrison Administrative Analyst Martha A. Guinn Administrative Analyst Administrative Support Examination Support and Processing Barbara A. Mahoney Administrative Analyst Rules and Regulations Manual Distribution Inquiries Charter Amendments and Charter Information Certificates of Good Standing Data Entry Ninety-Ninth Report STATE CHARTERED BANKS CORPORATE NAME CHANGES FROM JULY 1, 2012, TO JUNE 30, 2013 BANK NEW NAME / LOCATION Fordyce Bank & Trust Company Fordyce FBT Bank & Mortgage Fordyce BRANCHES APPROVED FROM JULY 1, 2012, TO JUNE 30, 2013 BANK LOCATION First Community Bank Batesville 800 E Beebe Capps Searcy Farmers Bank and Trust Company Blytheville 3644 W State Highway 18 Manila Centennial Bank Conway 17 W Government Street Pensacola, FL Centennial Bank Conway 3921 East County Road 30-A Santa Rosa Beach, FL Liberty Bank of Arkansas Jonesboro 1895 Harrison Street Batesville Bank of the Ozarks Little Rock 1901 Manatee Avenue Bradenton, FL Delta Trust & Bank Parkdale 1055 Steel Avenue, Suite 100 Conway Parkway Bank Rogers 329 Highway 425 North Monticello First Security Bank Searcy 2501 East Central Avenue Bentonville First Security Bank Searcy #2 Bass Pro Drive Little Rock First Security Bank Searcy 15420 Chenal Parkway Little Rock 9 Arkansas State Bank Department 10 STATE CHARTERED SUBCHAPTER S CORPORATION BANKS BANK CITY Bank of Bearden Bearden Farmers Bank and Trust Company Blytheville Heartland Bank Bryant Bank of Cave City Cave City Chambers Bank Danville Decatur State Bank Decatur Bank of Delight Delight First State Bank of DeQueen DeQueen Arkansas County Bank DeWitt First Financial Bank El Dorado Cornerstone Bank Eureka Springs Bank of Gravett Gravette First Service Bank Greenbrier First State Bank of Northwest Arkansas Huntsville First Arkansas Bank & Trust Jacksonville Little River Bank Lepanto Farmers Bank and Trust Company Magnolia The Peoples Bank Magnolia McGehee Bank McGehee The Union Bank of Mena Mena Commercial Bank & Trust Company Monticello Diamond Bank Murfreesboro The Bank of Rison Rison Riverside Bank Sparkman Bank of Star City Star City Warren Bank and Trust Company Warren Ninety-Ninth Report 11 The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 2012 through June 30, 2013. RECEIPTS Cash Balance July 1, 2012 ........................................................ $5,659,068.21 Examination and Assessment Fees ........................ 8,404,046.52 Charter and Amendment Fees ..................................... 56,650.00 Interstate Sharing Fees ................................................ 18,209.00 Miscellaneous/Non-Revenue Income ............................ 1,699.96 Reimbursement for M & R Sales.................................... 6,250.76 Refund to Expenditures Prior Year ............................. 5,604.56 Refund to Expenditures Current Year .......................... 7,105.10 Total Receipts 8,499,835.90 $14,158,904.11 DISBURSEMENTS Salaries ................................................................... 4,938,568.51 Extra Help Salaries ........................................................ 4,859.22 S.S., Retirement and Insurance Matching............................................................... 1,423,964.28 Maintenance and General Operations .................... 1,145,316.15 Conference Fees and Travel...................................... 266,827.38 Professional Fees and Services................................... 55,617.71 Capital Outlay............................................................. 116,951.36 Refunds Issued ..................................................................... 0.00 Service Charge by State Treasurer............................ 139,901.96 Total Disbursements 8,092,006.57 Cash Balance June 30, 2013 6,066,897.54 $14,158,904.11 12 Arkansas State Bank Department FEDERAL DEPOSIT INSURANCE CORPORATION Dallas Regional Office 1601 Bryan Street Dallas, Texas 75201 VOICE: (214) 754-0098 FAX: (972) 761-2082 http://www.fdic.gov Kristie K. Elmquist .............. Regional Director/Supervision/Consumer Protection Serena Owens.................... Acting Deputy Regional Director/Risk Management Julie Banfield ............................. Deputy Regional Director/Consumer Protection Cheryl Couch .............................................................. Assistant Regional Director Mark Taylor................................................................. Assistant Regional Director John Perez ................................................................. Assistant Regional Director Joe Meade ................................... Assistant Regional Director/Risk Management Art Kahn ................................................. Assistant Regional Director/Compliance Stephen Zachary ....................................................................... Regional Counsel Memphis Area Office 6060 Primacy Parkway, Suite 300 Memphis, Tennessee 38119 VOICE: (901) 685-1603 FAX: (901) 821-5308 Dana English .............................................................. Assistant Regional Director Chris Finnegan ...................................... Assistant Regional Director/Compliance Little Rock Field Office Financial Centre III Building 900 South Shackleford Road, Suite 500 Little Rock, Arkansas 72211 VOICE: (501) 228-6346 FAX: (501) 228-6568 Kristy Frame .................................................. Field Supervisor/Risk Management Linda Wallace .......................................................... Field Supervisor/Compliance Memphis Field Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 VOICE: (901) 685-1603 FAX: (901) 818-1645 Eric Guyot ...................................................... Field Supervisor/Risk Management Linda Wallace .......................................................... Field Supervisor/Compliance Shreveport Field Office Southpointe Center 3007 Knight Street, Suite 300 Shreveport, Louisiana 71105-2525 VOICE: (318) 868-6661 FAX: (318) 868-7870 Victor Ingram ................................................. Field Supervisor/Risk Management Sandra Jesberger .................................................... Field Supervisor/Compliance Ninety-Ninth Report FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 411 Locust Street P. O. Box 442 St. Louis, Missouri 63166 VOICE: (314) 444-8444 FAX: (314) 444-8740 http://www.stls.frb.org James B. Bullard .......................................................................................... President David A. Sapenaro ....................................................................... First Vice President Karl W. Ashman ....................................................................... Senior Vice President Karen Branding ........................................................................ Senior Vice President Public and Community Affairs Cletus C. Coughlin .................................................................. Senior Vice President & Deputy Director of Research Mary H. Karr ............................................................................. Senior Vice President General Counsel & Corporate Secretary Kathleen O. Paese ................................................................... Senior Vice President Treasury Relations & Office Support Julie L. Stackhouse .................................................................. Senior Vice President Banking Supervision, Credit and Center for Learning Innovation Christopher J. Waller................................................................ Senior Vice President Director of Research Timothy Brown .....................................................................................Vice President Cash Management/Administration Timothy A. Bosch ................................................................................. Vice President Banking Supervision Marilyn K. Corona ................................................................................ Vice President Financial Management William T. Gavin ................................................................................... Vice President & Review Editor Anna Hart ............................................................................................. Vice President Human Resources 13 14 Arkansas State Bank Department FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 (Continued) Michael J. Mueller ................................................................................ Vice President Support Services Susan Gerker .......................................................................................Vice President Risk Management, Statistics, Credit & Payment Applications Daniel L. Thornton ................................................................................Vice President & Economic Advisor Michael D. Renfro .............................................................................. General Auditor Audit Little Rock Branch 111 Center Street th Suite 1000 (10 Floor) Little Rock, Arkansas 72201 VOICE: (501) 324-8300 FAX: (501) 324-8201 Robert A. Hopkins .................................................................Senior Branch Executive Memphis Branch 200 North Main Street P. O. Box 407 Memphis, Tennessee 38101-0407 VOICE: (901) 523-7171 FAX: (901) 579-2406 Martha L. Perine-Beard.........................................................Senior Branch Executive Louisville Branch 101 South 5th Street, Suite 1920 Louisville, Kentucky 40202 VOICE: (502) 568-9200 FAX: (502) 568-9247 Maria G. Hampton .................................................................Senior Branch Executive Ninety-Ninth Report COMPTROLLER OF THE CURRENCY Southern District Office 500 North Akard, Suite 1600 Dallas, Texas 75201-3323 VOICE: (214) 720-0656 FAX: (214) 720-7000 http://www.occ.treas.gov Gilbert D. Barker........................................................................ Deputy Comptroller Dennis Havener......................................................... Assistant Deputy Comptroller Randall M. Ryskamp ........................................................................District Counsel Karen Bryant............................................................................... Licensing Manager Little Rock Field Office 1401 West Capitol Avenue, Suite 350 Little Rock, Arkansas 72201-2915 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 8282 South Memorial Drive, Suite 300 Tulsa, Oklahoma 74133-4346 VOICE: (918) 492-2082 FAX: (918) 492-2092 Carey Phillipi.............................................................. Assistant Deputy Comptroller 15 Arkansas State Bank Department 16 CONSUMER FINANCIAL PROTECTION BUREAU 1700 G Street NW Washington, D.C. 20552 VOICE: (202) 435-7000 Fax: (202) 435-7329 http://www.consumerfinance.gov Richard Cordray.................. ....... .................................................................... Director Steve Antonakes ................................................................................ Deputy Director Chris D’Angelo ......................................................................................... Chief of Staff Paul Sanford ................................................................................ Office of Supervision Examinations Assistant Director Peggy Twohig.............................................................................. Office of Supervision Policy Assistant Director Southeast Region Jim Carley .................................................................. Southeast Regional Director (202) 435-7904 Steve Day .................................................... Southeast Assistant Regional Director (202) 695-9019 Ninety-Ninth Report ARKANSAS BANKERS ASSOCIATION 1220 West Third Street Little Rock, Arkansas 72201 VOICE: (501) 376-3741 FAX: (501) 376-9243 http://www.arkbankers.org William R. Holmes ......................................................................... President & CEO David Bartlett ............................................................................................. Chairman President & CBO Simmons First National Corp., Pine Bluff Charles Morgan ................................................................................ Chairman-Elect President & CEO Relyance Bank, Pine Bluff Robert Taylor ..................................................................................... Vice-Chairman President & CEO Parkway Bank, Rogers Mark Ferguson .......................................................................................... Treasurer Executive Vice President First Security Bank, Searcy John Freeman ................................................................................... Past Chairman President Liberty Bank of Arkansas, Jonesboro 17 18 Arkansas State Bank Department EMERGING LEADERS SECTION OFFICERS Jamie Waller ............................................................................................... President Vice President The Peoples Bank, Magnolia Daniel Robinson .................................................................................Vice President Loan Officer Simmons First Bank of Northeast Arkansas, Jonesboro Kevin Thompson ...................................................................... Secretary/Treasurer Vice President - Lending Liberty Bank of Arkansas, Jonesboro Ninety-Ninth Report ARKANSAS COMMUNITY BANKERS ASSOCIATION P. O. Box 20210 Hot Springs, Arkansas 71903-0210 VOICE: (800) 771-1634 FAX: (501) 525-0637 EMail: info@arcommunitybankers.com http://www.arcommunitybankers.com Richard Trammell ........................................................................... Executive Director Martin Carpenter .......................................................................................... President First National Banking Company, Ash Flat Bennie Ryburn, III................................................................................. Vice President Commercial Bank & Trust Company, Monticello Jim Gowen, Jr. ............................................................................................. Treasurer Merchants & Planters Bank, Newport John Stacks .................................................................................................. Secretary Home Bank of Arkansas, Greenbrier 19 20 Arkansas State Bank Department CONFERENCE OF STATE BANK SUPERVISORS th th 1129 20 Street, NW, 9 Floor Washington, DC 20036 VOICE: (202) 296-8040 FAX: (202) 296-1928 http://www.csbs.org John Ryan ........................................................................................President & CEO Tom Harlow ...............................Executive Vice President/Finance & Administration Anthony Donfor ...............................................................................Vice President, IT Cecelia Smith ........................................................... Senior Manager, Administration Roger Stromberg .......................... Senior Vice President/Professional Development Sebastien Monnet ....................................Vice President/Professional Development Georgia High ................................................................Vice President, Accreditation/ Professional Development Tom McVey .................................................................. Director of Learning Services John “Buz” Gorman ........................................................General Counsel/Legislative Margaret Liu ....................................Senior Vice President/Deputy General Counsel Edward Smith ................................ Vice President, Membership & Banker Relations Bill Matthews ................................................... Executive Vice President, CEO, SRR Pete Marks .................................... Vice President/Mortgage Testing and Education Mike Stevens ........................................................... Senior Executive Vice President Mary Beth Quist................................. Senior Vice President/Supervisory Processes Kyle Thomas .............................................. Director of Bank Supervisory Processes Chuck Cross ........................................ Senior Vice President/Consumer Protection & Nondepository Supervision H. Catherine Woody ............................................... Senior Director/Communications Ninety-Ninth Report CONSOLIDATED REPORT OF CONDITION DATA 95 STATE CHARTERED COMMERCIAL BANKS (in millions) ASSETS JUNE 30, 2013 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ....................................... $930 b. Interest-bearing balances ................................................................................. 1,647 Securities: a. Held to maturity ................................................................................................. 1,149 b. Available-for sale ............................................................................................. 11,401 Federal funds sold and securities purchased under agreements to resell...................................................... 398 Net Loans and Leases .................................................................................................... 29,710 Trading assets.......................................................................................................................... 1 Premises and fixed assets ................................................................................................ 1,341 Other real estate owned ...................................................................................................... 505 Goodwill and other intangibles.......................................................................................... 1,049 All other assets.................................................................................................................. 1,715 Total assets ................................................................................................................... $49,846 LIABILITIES Deposits: a. In domestic offices ........................................................................................ $40,667 (1) Noninterest-bearing ....................................................................7,905 (2) Interest-bearing.........................................................................32,762 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 ...................................................... 713 Trading liabilities ...................................................................................................................... 0 Other borrowed money .................................................................................................... 2,275 Subordinated notes and debentures ....................................................................................... 2 All other liabilities ................................................................................................................. 452 Total liabilities.................................................................................................................. 44,109 EQUITY CAPITAL Minority interest in consolidated subsidiaries .......................................................................... 4 Perpetual preferred stock ........................................................................................................ 6 Common stock ....................................................................................................................... 18 Surplus .............................................................................................................................. 2,751 Undivided profits ............................................................................................................... 2,958 Total equity capital ............................................................................................................ 5,737 Total liabilities, minority interest and equity capital ..................................................... $49,846 21 Arkansas State Bank Department 22 CONSOLIDATED STATEMENT OF CONDITION OF THE 53 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 2013 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 .................................................................. $13 b. Other Institutions .................................................................................................. 4 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions .................................................................. 199 b. Other Institutions .............................................................................................. 353 U.S. Government and Agency Obligations ................................................................ 545 State, County and Municipal Obligations ................................................................... 599 Other Short-Term Obligations ...................................................................................... 32 Other Notes and Bonds .............................................................................................. 236 Money Market Funds .................................................................................................. 952 Other Mutual Funds .................................................................................................... 531 Stocks ...................................................................................................................... 1,979 Collective Investment Fund Units ............................................................................... 837 Real Estate Mortgages ................................................................................................. 23 Real Estate ................................................................................................................. 310 Miscellaneous Assets ................................................................................................. 452 Other ..........................................................................................................................(19) Total ..................................................................................................................... $7,046 LIABILITIES Personal Accounts: 16. Personal Trusts ......................................................................................................$1,075 17. Estates & Guardianships .............................................................................................. 30 18. Investment Management & Advisory…………… ... …………………………………1,370 19. Custodial………….. ....................................................................................................837 20. Agencies………….. ....................................................................................................193 Employee Benefit Accounts: 21. Trusts ....................................................................................................................... 1,157 22. Agencies ..................................................................................................................... 694 23. Custodial ..................................................................................................................... 226 Corporate and Municipal Securities Appointments: 24. Bond Trusteeships ...................................................................................................... 556 25. Agencies ....................................................................................................................... 84 Collective Investment Funds: 26. Personal ...................................................................................................................... 683 27. Employee Benefit........................................................................................................ 140 28. Other .............................................................................................................................. 0 Internal Accounts 29. Profit Accounts ................................................................................................................ 0 30. Suspense Accounts ........................................................................................................ 1 31. Total………………………………………… ............ …………………………………$7,046 Ninety-Ninth Report CONSOLIDATED REPORT OF CONDITION DATA 26 NATIONAL BANKS (in millions) ASSETS JUNE 30, 2013 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ....................................... $266 b. Interest-bearing balances .................................................................................... 811 Securities: a. Held-to-maturity .................................................................................................... 589 b. Available-for-sale............................................................................................... 1,893 Federal funds sold and securities purchased under agreements to resell........................................................ 90 Net loans and leases ........................................................................................................ 6,044 Trading assets.......................................................................................................................... 6 Premises and fixed assets ................................................................................................... 309 Other real estate owned ...................................................................................................... 160 Goodwill and other intangibles............................................................................................. 122 All other assets..................................................................................................................... 373 Total assets ................................................................................................................... $10,663 LIABILITIES Deposits: a. In domestic offices .......................................................................................... $8,919 (1) Noninterest-bearing ....................................................................1,855 (2) Interest-bearing...........................................................................7,064 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 ...................................................... 132 Trading liabilities ...................................................................................................................... 0 Other borrowed money ........................................................................................................335 Subordinated notes and debentures ....................................................................................... 0 All other liabilities ................................................................................................................... 70 Total liabilities.................................................................................................................... 9,456 Minority interest in consolidated subsidiaries .......................................................................... 0 EQUITY CAPITAL Perpetual preferred stock ........................................................................................................ 3 Common stock ....................................................................................................................... 14 Surplus ................................................................................................................................. 576 Undivided profits .................................................................................................................. 614 Total equity capital ............................................................................................................ 1,207 Total liabilities, minority interest and equity capital ..................................................... $10,663 23 24 Arkansas State Bank Department TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2013 BANK CITY Southern Bancorp Bank Summit Bank First National Banking Company The Bank of Augusta Citizens State Bank The Citizens Bank First Community Bank Bank of Bearden First National Bank of North Arkansas Farmers Bank and Trust Company First Western Bank Community State Bank Heartland Bank The First National Bank of Izard County Bank of Cave City The Merchants & Planters Bank Centennial Bank First National Bank of Crossett First State Bank Chambers Bank River Town Bank Decatur State Bank Bank of Delight First State Bank of DeQueen Arkansas County Bank DeWitt Bank and Trust Company Merchants and Farmers Bank First Financial Bank Simmons First Bank of El Dorado Bank of England The Eudora Bank Cornerstone Bank Arvest Bank Signature Bank of Arkansas The Bank of Fayetteville Arkadelphia Arkadelphia Ash Flat Augusta Bald Knob Batesville Batesville Bearden Berryville Blytheville Booneville Bradley Bryant Calico Rock Cave City Clarendon Conway Crossett Crossett Danville Dardanelle Decatur Delight DeQueen DeWitt DeWitt Dumas El Dorado El Dorado England Eudora Eureka Springs Fayetteville Fayetteville Fayetteville RATIO 7.77 10.82 10.01 10.20 7.53 10.48 9.20 15.03 11.02 8.83 8.45 9.37 12.40 32.48 10.40 9.35 9.87 10.47 10.79 9.85 10.91 7.85 20.22 8.57 9.31 11.33 8.72 10.08 8.65 13.28 9.35 10.14 8.97 9.55 11.65 Ninety-Ninth Report 25 BANK CITY Twin Lakes Community Bank FBT Bank & Mortgage First National Bank of Eastern Arkansas Forrest City Bank, National Association The First National Bank of Fort Smith Bank of Gravett The First National Bank in Green Forest First Service Bank Farmers Bank Farmers Bank First Bank Community First Bank Helena National Bank Horatio State Bank First National Bank Hot Springs Bank & Trust Company Simmons First Bank of Hot Springs First State Bank of Northwest Arkansas First Arkansas Bank & Trust Heritage Bank, National Association Liberty Bank of Arkansas Simmons First Bank of Northeast Arkansas Bank of Lake Village Simmons First Bank of South Arkansas Little River Bank Bank of Little Rock Bank of the Ozarks Central Bank Eagle Bank & Trust Company Metropolitan National Bank One Bank & Trust, National Association The Capital Bank First State Bank Farmers Bank and Trust Company The Peoples Bank The Malvern National Bank First Community Bank of Eastern Arkansas First Delta Bank Bank of McCrory McGehee Bank Flippin Fordyce Forrest City Forrest City Fort Smith Gravette Green Forest Greenbrier Greenwood Hamburg Hampton Harrison Helena Horatio Hot Springs Hot Springs Hot Springs Huntsville Jacksonville Jonesboro Jonesboro Jonesboro Lake Village Lake Village Lepanto Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Lonoke Magnolia Magnolia Malvern Marion Marked Tree McCrory McGehee RATIO 10.13 11.24 9.92 10.14 11.99 13.61 10.96 12.85 19.73 11.45 9.25 12.64 13.64 10.75 10.99 10.79 9.61 13.89 11.58 11.36 10.18 9.68 10.88 8.35 10.81 9.52 14.43 14.73 10.48 6.46 4.50 10.40 10.32 10.15 9.29 10.08 11.43 8.39 9.68 14.08 26 Arkansas State Bank Department BANK CITY The First National Bank of McGehee The Union Bank of Mena Commercial Bank & Trust Company Union Bank And Trust Company Petit Jean State Bank Integrity First Bank, National Association Ozark Heritage Bank, N. A. Allied Bank Diamond Bank Merchants & Planters Bank National Bank of Arkansas in North Little Rock First National Bank The First National Bank at Paris Delta Trust & Bank Piggott State Bank Relyance Bank, National Association Simmons First National Bank Home Bank of Arkansas Bank of Prescott The Bank of Rison Parkway Bank Pinnacle Bank Simmons First Bank of Northwest Arkansas First State Bank Simmons First Bank of Russellville Bank of Salem Logan County Bank First Security Bank Simmons First Bank of Searcy Peoples Bank Smackover State Bank Riverside Bank Legacy National Bank Bodcaw Bank Bank of Star City Security Bank The Farmers & Merchants Bank Citizens Bank & Trust Company First Community Bank of Crawford County The First National Bank of Lawrence County First State Bank of Warren McGehee Mena Monticello Monticello Morrilton Mountain Home Mountain View Mulberry Murfreesboro Newport North Little Rock Paragould Paris Parkdale Piggott Pine Bluff Pine Bluff Portland Prescott Rison Rogers Rogers Rogers Russellville Russellville Salem Scranton Searcy Searcy Sheridan Smackover Sparkman Springdale Stamps Star City Stephens Stuttgart Van Buren Van Buren Walnut Ridge Warren RATIO 11.23 10.20 9.48 10.09 11.06 11.16 10.74 7.75 10.02 7.97 8.24 12.08 11.81 9.26 9.60 13.46 8.61 10.37 13.00 16.74 10.37 9.69 13.81 11.57 9.97 11.88 18.24 10.78 8.43 14.49 10.37 9.06 11.90 9.80 12.85 7.87 11.12 10.58 3.39 10.83 10.76 Ninety-Ninth Report 27 BANK CITY Warren Bank and Trust Company Evolve Bank & Trust Fidelity National Bank Cross County Bank The First National Bank of Wynne Warren West Memphis West Memphis Wynne Wynne RATIO 14.98 9.40 9.76 12.40 10.20 28 Arkansas State Bank Department NATIONAL BANKS JUNE 30, 2013 (000’s omitted) BANK CITY First National Banking Company First National Bank of North Arkansas The First National Bank of Izard County First National Bank of Crossett First National Bank of Eastern Arkansas Forrest City Bank, National Association The First National Bank of Fort Smith The First National Bank in Green Forest Helena National Bank First National Bank Heritage Bank, National Association Metropolitan National Bank One Bank & Trust, National Association The Malvern National Bank The First National Bank of McGehee Integrity First Bank, National Association Ozark Heritage Bank, N. A. National Bank of Arkansas in North Little Rock First National Bank The First National Bank at Paris Relyance Bank, National Association Simmons First National Bank Legacy National Bank The First National Bank of Lawrence County Fidelity National Bank The First National Bank of Wynne Ash Flat Berryville Calico Rock Crossett Forrest City Forrest City Fort Smith Green Forest Helena Hot Springs Jonesboro Little Rock Little Rock Malvern McGehee Mountain Home Mountain View North Little Rock Paragould Paris Pine Bluff Pine Bluff Springdale Walnut Ridge West Memphis Wynne ASSETS 374,492 170,866 147,944 134,085 349,244 50,110 1,052,767 390,958 194,930 695,313 241,235 991,357 400,793 459,459 49,036 399,863 66,982 186,779 715,635 120,534 395,744 1,992,726 259,823 179,479 363,611 279,257 REPORT OF THE NINETY-FIVE STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2013 30 Arkansas State Bank Department Southern Bancorp Bank Arkadelphia, AR VOICE: (870) 246-5811 FAX: (870) 246-5284 Trust Powers: Yes 605 Main Street 71923-0248 Charter Number: 142 Date: September 28, 1903 FDIC Certificate Number: 1528 Home Page: www.banksouthern.com Member of Federal Reserve System Bank Holding Company Southern Bancorp Inc., Arkadelphia, AR Chm: Sherman E. Tate CEO/Pres: John Olaimey Cash and Due from:.................................... 88,843 Federal Funds and Repos: .................................. 0 Investments: ............................................. 236,694 Net Loans: ................................................ 722,872 Premises and Fixed Assets:........................ 46,945 Other Real Estate: ........................................ 6,553 Other Assets: .............................................. 78,430 Total Assets: .......................................... 1,180,337 Total Trust Assets: ...................................... 19,378 Deposits: .................................................. 906,604 Federal Funds and Borrowings: ................ 151,394 Other Liabilities: ............................................ 4,910 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,062,908 Total Equity Capital: .................................. 117,429 Total Liabilities and Capital: ................... 1,180,337 Number of Shares Outstanding: .................. 24,000 Directors: Hugh Arant, Jr.; Kim Evans; Walter Morris, Jr.; John Olaimey; Sherman Tate Branches in Town: One Other Branches: Barton, Bismarck, Blytheville (6), Clarksdale[MS], Drew[MS], El Dorado (2), Elaine, Friars Point[MS], Gosnell, Greenville[MS] (2), Helena-West Helena (3), Hernando[MS], Hot Springs (2), Indianola[MS], Lambert[MS], Leland[MS], Lula[MS], Madison[MS], Malvern, Manila (2), Marvell, Picayune[MS], Ruleville[MS], Shelby[MS], Sledge[MS], Trumann, Webb[MS] Ninety-Ninth Report 31 Summit Bank Arkadelphia, AR VOICE: (870) 246-8070 FAX: (870) 246-7122 Trust Powers: Yes 409 Main Street 71923-0965 Charter Number: 767 Date: December 2, 1996 FDIC Certificate Number: 34433 Home Page: www.summitbankdirect.com Member of Federal Reserve System Bank Holding Company Summit Bancorp, Inc., Arkadelphia, AR Chm/CEO: Ross M. Whipple EVP/CFO: Brent W. Black Pres/COO: Marcus J. McCain SVP: Bob Plummer Cash and Due from: .................................... 91,008 Federal Funds and Repos: .................................. 0 Investments: .............................................. 271,761 Net Loans:................................................. 754,034 Premises and Fixed Assets: ........................ 14,077 Other Real Estate: ......................................... 1,828 Other Assets: .............................................. 47,953 Total Assets: .......................................... 1,180,661 Total Trust Assets: ...................................... 22,149 Deposits: ................................................... 991,707 Federal Funds and Borrowings: ...................57,839 Other Liabilities:.............................................2,045 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 1,051,591 Total Equity Capital: .................................. 129,070 Total Liabilities and Capital: .................... 1,180,661 Number of Shares Outstanding: ....................3,100 Directors: Rodney Bobo; Elton E. Buck; Steve DeMott; Mike Duke; Ben Elrod; Joe Keith; Mike Lax; James McAdams; Marcus J. McCain; Ned Purtle; Ross M. Whipple; Joe Woodward Branches in Town: One Other Branches: Benton (2), Bryant, Conway (2), Hope (2), Hot Springs (5), Hot Springs Village, Little Rock (3), Lonsdale, Magnolia (2), Malvern (2) The Bank of Augusta Augusta, AR VOICE: (870) 347-2511 FAX: (870) 347-2654 Trust Powers: Yes 100 South Second Street 72006-0120 Charter Number: 669 Date: February 20, 1935 FDIC Certificate Number: 15035 Home Page: www.bankofaugusta.com Bank Holding Company None Chm/CEO: Charles P. Eldridge EVP: Mark Rezanka Pres: William D. "Bill" Patton EVP/TO: Martha Ray Cash and Due from: ...................................... 1,638 Federal Funds and Repos: ............................ 3,475 Investments: ................................................ 23,651 Net Loans:................................................... 43,014 Premises and Fixed Assets: .............................625 Other Real Estate: ..............................................14 Other Assets: ................................................ 3,888 Total Assets: ............................................... 76,305 Total Trust Assets: ........................................ 2,538 Deposits: .....................................................66,914 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................1,909 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................68,823 Total Equity Capital: ......................................7,482 Total Liabilities and Capital: .........................76,305 Number of Shares Outstanding: ....................8,000 Directors: Dr. Steven Collier; Winston Collier; W. P. Daniel, Jr.; W. P. Daniel, III; Charlie Eldridge; Mark Eldridge; R. E. Gregory, Jr.; Ronald Jones Branches in Town: One Other Branches: Searcy 32 Arkansas State Bank Department Citizens State Bank Bald Knob, AR VOICE: (501) 724-3241 FAX: (501) 724-5985 Trust Powers: Yes 306 South Elm Street 72010-0200 Charter Number: 636 Date: January 22, 1931 FDIC Certificate Number: 8727 Home Page: www.csb-bk.com Bank Holding Company Citizens State Bankshares of Bald Knob, Inc., Bald Knob, AR Chm/CEO/TO: Larry E. Kircher Pres/COO: Andrew Brock VChm/Sec: Molly H. Kircher VP/Aud: Cindy Adkins Cash and Due from:...................................... 3,263 Federal Funds and Repos: .................................. 0 Investments: ............................................... 51,368 Net Loans: .................................................. 11,625 Premises and Fixed Assets:............................. 482 Other Real Estate: ........................................... 251 Other Assets: ................................................ 4,685 Total Assets: ............................................... 71,674 Total Trust Assets: ........................................ 2,293 Deposits: .................................................... 61,503 Federal Funds and Borrowings: .................... 3,645 Other Liabilities: ............................................... 689 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 65,837 Total Equity Capital: ...................................... 5,837 Total Liabilities and Capital: ........................ 71,674 Number of Shares Outstanding: .................... 4,000 Directors: Andrew Brock; Bob J. Clark; Larry E. Kircher; Molly H. Kircher; Wendell Nier Branches in Town: Two Other Branches: Bradford First Community Bank Batesville, AR VOICE: (870) 612-3400 FAX: (870) 612-3412 Trust Powers: Yes 1325 Harrison Street 72501-4327 Charter Number: 770 Date: June 20, 1997 FDIC Certificate Number: 34533 Home Page: www.firstcommunity.net Bank Holding Company First Community Bancshares, Inc., Batesville, AR Chm/CEO: Dale E. Cole SVP: Troy Henley Pres/COO: Boris A. Dover SVP/TO: Chris Treat Cash and Due from:.................................... 26,279 Federal Funds and Repos: .................................. 0 Investments: ............................................. 123,788 Net Loans: ................................................ 582,965 Premises and Fixed Assets:........................ 21,902 Other Real Estate: ........................................ 8,712 Other Assets: .............................................. 24,844 Total Assets: ............................................. 788,490 Total Trust Assets: .................................... 102,909 Deposits: .................................................. 627,324 Federal Funds and Borrowings: .................. 88,279 Other Liabilities: ............................................... 909 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 716,512 Total Equity Capital: .................................... 71,978 Total Liabilities and Capital: ...................... 788,490 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; John Sarratt; Frank Tripp; Sheila Wagnon; Keith Webb Branches in Town: Two Other Branches: Bald Knob, Cabot, Cave City, Cherokee Village, Goodman[MO], Jane[MO], Mountain Home, Neosho[MO] (2), Searcy (3) Ninety-Ninth Report 33 The Citizens Bank Batesville, AR VOICE: (870) 793-4441 FAX: (870) 698-6299 Trust Powers: Yes 200 South Third Street 72503-2156 Charter Number: 705 Date: February 19, 1953 FDIC Certificate Number: 17211 Home Page: www.thecitizensbank.net Member of Federal Reserve System Bank Holding Company Citizens Bancshares of Batesville, Inc., Batesville, AR CEO/Pres: John Dews SVP/TO: Robin Brock EVP/Sec: Greg Shaver Cash and Due from: .................................... 11,806 Federal Funds and Repos: .................................. 0 Investments: .............................................. 205,984 Net Loans:................................................. 289,648 Premises and Fixed Assets: .......................... 8,873 Other Real Estate: ......................................... 1,649 Other Assets: .............................................. 12,492 Total Assets: ............................................. 530,452 Total Trust Assets: .................................... 137,016 Deposits: ................................................... 416,207 Federal Funds and Borrowings: ...................56,247 Other Liabilities:.............................................1,081 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 473,535 Total Equity Capital: ....................................56,917 Total Liabilities and Capital: ....................... 530,452 Number of Shares Outstanding: ..................16,500 Directors: John Dews; Dr. Lackey G. Moody, M.D.; Doyle "Rog" Rogers, Jr.; Jay F. Shell; Kay Southerland; Jeffery F. Teague; Paula Terrell Branches in Town: Five Other Branches: Cave City, Imboden, Mountain View, Pleasant Plains Bank of Bearden Bearden, AR VOICE: (870) 687-2233 FAX: (870) 687-2474 Trust Powers: No Chm/Pres: Rick Green EVP: Ken Riley #1 Second Street 71720-0135 Charter Number: 688 Date: June 17, 1945 FDIC Certificate Number: 16282 Bank Holding Company Bearden Bancshares, Inc., Bearden, AR VP: Donnie Castleberry VP/Cash: Susan Lusby Cash and Due from: ...................................... 3,930 Federal Funds and Repos: ............................ 7,825 Investments: .................................................. 9,089 Net Loans:................................................... 20,480 Premises and Fixed Assets: .............................100 Other Real Estate: ..............................................11 Other Assets: ...................................................165 Total Assets: ............................................... 41,600 Total Trust Assets: .............................................. 0 Deposits: .....................................................35,714 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 38 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................35,752 Total Equity Capital: ......................................5,848 Total Liabilities and Capital: .........................41,600 Number of Shares Outstanding: ....................8,300 Directors: John E. Anthony; Steven M. Anthony; Rick Green; Ronald A. Ramsay; Ken Riley; Russell G. Weatherly; Betty Word; Steve Wright Branches in Town: None Other Branches: None Arkansas State Bank Department 34 Farmers Bank And Trust Company Blytheville, AR VOICE: (870) 763-8101 FAX: (870) 763-3500 Trust Powers: Yes 400 West Main 72315-0688 Charter Number: 253 Date: March 16, 1908 FDIC Certificate Number: 1027 Home Page: www.farmersbankbly.com Member of Federal Reserve System Bank Holding Company Farmers Bancorp, Inc., Blytheville, AR Chm/CEO: Steve Bell CFO: Shelly Crosskno Pres/COO: Randy Scott AVP/TO: Mary Lee Cash and Due from:.................................... 27,898 Federal Funds and Repos: .................................. 0 Investments: ............................................... 21,554 Net Loans: ................................................ 338,832 Premises and Fixed Assets:.......................... 7,589 Other Real Estate: ........................................ 7,651 Other Assets: ................................................ 3,973 Total Assets: ............................................. 407,497 Total Trust Assets: ...................................... 20,938 Deposits: .................................................. 361,053 Federal Funds and Borrowings: .................... 9,000 Other Liabilities: ............................................ 1,755 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 371,808 Total Equity Capital: .................................... 35,689 Total Liabilities and Capital: ...................... 407,497 Number of Shares Outstanding: .................. 40,000 Directors: Dan B. Andrews, Jr.; Steve Bell; Paula O. Blackwell; Ronny Goff; John Langston; Drew G. Lawrence; Gaylon M. Lawrence, Jr.; Randy Scott; Harold Sudbury, Jr.; Tommy W. Wagner, Jr. Branches in Town: Four Other Branches: Franklin[TN], Nashville[TN] First Western Bank Booneville, AR VOICE: (479) 936-2000 FAX: (479) 878-3465 Trust Powers: Yes 80 West Main 72927-0238 Charter Number: 397 Date: April 18, 1910 FDIC Certificate Number: 13083 Home Page: www.fwbank.com Bank Holding Company First Western Bancshares, Inc., Booneville, AR Chm/CEO: John T. Hampton EVP/COO: Lynne Coan Pres/COO: Steve Gramling CFO/VP: Andrea Shepherd Cash and Due from:.................................... 20,058 Federal Funds and Repos: .................................. 0 Investments: ............................................... 22,624 Net Loans: ................................................ 220,727 Premises and Fixed Assets:.......................... 9,652 Other Real Estate: ........................................ 9,329 Other Assets: .............................................. 12,216 Total Assets: ............................................. 294,606 Total Trust Assets: ............................................... 0 Deposits: .................................................. 255,690 Federal Funds and Borrowings: .................... 9,625 Other Liabilities: ............................................ 4,664 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 269,979 Total Equity Capital: .................................... 24,627 Total Liabilities and Capital: ...................... 294,606 Number of Shares Outstanding: ................ 100,000 Directors: Dan Brown; Clay Conly; Matt Crafton; Steve Gramling; John T. Hampton; John Mack; David Remy; Howard L. Slinkard; Dale Webster; Johnny Williams; Jane Woolley Branches in Town: One Other Branches: Bella Vista, Caulksville, Fort Smith, Magazine, Rogers (3) Ninety-Ninth Report 35 Community State Bank Bradley, AR VOICE: (870) 894-3322 FAX: (870) 894-3324 Trust Powers: No Pres: Jeff Hobbs 208 West Fourth Street 71826-0120 Charter Number: 653 Date: April 10, 1933 FDIC Certificate Number: 5619 Bank Holding Company Allcorp, Inc., Little Rock, AR VP/Cash: Regina Wootton Cash and Due from: ...................................... 3,262 Federal Funds and Repos: .................................. 0 Investments: .................................................. 7,859 Net Loans:................................................... 15,149 Premises and Fixed Assets: .............................647 Other Real Estate: ............................................228 Other Assets: ................................................ 1,022 Total Assets: ............................................... 28,167 Total Trust Assets: .............................................. 0 Deposits: .....................................................24,935 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 62 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................24,997 Total Equity Capital: ......................................3,170 Total Liabilities and Capital: .........................28,167 Number of Shares Outstanding: ..................10,000 Directors: John Bishop; Alex Golden; Ellen Golden; Lex Golden; Jeff Hobbs; Amy McCay; Patti Rice Branches in Town: None Other Branches: None Heartland Bank Bryant, AR VOICE: (501) 847-7982 FAX: (501) 847-7983 Trust Powers: No 4937 Highway 5 North 72022 Charter Number: 791 Date: July 17, 2008 FDIC Certificate Number: 28761 Home Page: www.hbankusa.com Member of Federal Reserve System Bank Holding Company Rock Bancshares, Inc., Little Rock, AR CEO: Richard D. O'Brien EVP: Phillip Thomas EVP: Mark S. Hoffpauir CFO: Judy Lawton Cash and Due from: ...................................... 7,352 Federal Funds and Repos: .................................. 4 Investments: ................................................ 12,349 Net Loans:................................................. 161,784 Premises and Fixed Assets: .......................... 4,740 Other Real Estate: ......................................... 2,438 Other Assets: .............................................. 13,635 Total Assets: ............................................. 202,302 Total Trust Assets: .............................................. 0 Deposits: ................................................... 163,481 Federal Funds and Borrowings: .....................9,983 Other Liabilities:.............................................1,432 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 174,896 Total Equity Capital: ....................................27,406 Total Liabilities and Capital: ....................... 202,302 Number of Shares Outstanding: ..................10,000 Directors: Craig Benson; Mark Brockinton; Steve Didion; Richard D. O'Brien; L. Walter Quinn, Jr.; Mark van Overbeek, M.D. Branches in Town: None Other Branches: Fordyce, Little Rock, Sheridan Arkansas State Bank Department 36 Bank of Cave City Cave City, AR VOICE: (870) 283-5301 FAX: (870) 283-6466 Trust Powers: Yes 137 South Main Street 72521-0490 Charter Number: 209 Date: July 2, 1906 FDIC Certificate Number: 105 Home Page: www.bankofcavecity.com Member of Federal Reserve System Bank Holding Company Sharp Bancshares, Inc., Cave City, AR Chm/CEO/Pres/TO: Samuel F. Beller SVP: Gayla Hickman EVP: John M. Beller SVP/CFO: Dennis Estab Cash and Due from:...................................... 4,366 Federal Funds and Repos: ........................... 1,275 Investments: ............................................... 21,176 Net Loans: .................................................. 59,384 Premises and Fixed Assets:.......................... 3,689 Other Real Estate: ........................................ 1,713 Other Assets: ................................................ 5,426 Total Assets: ............................................... 97,029 Total Trust Assets: ............................................... 0 Deposits: .................................................... 80,481 Federal Funds and Borrowings: .................... 5,565 Other Liabilities: ............................................ 1,411 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 87,457 Total Equity Capital: ...................................... 9,572 Total Liabilities and Capital: ........................ 97,029 Number of Shares Outstanding: .................... 4,000 Directors: James E. Baxter; Samuel F. Beller; Dennis Esteb; John H. Pettersen; Margie Pettersen; Bruce Street; Scott Street Branches in Town: None Other Branches: Evening Shade, Lynn, Strawberry The Merchants and Planters Bank Clarendon, AR VOICE: (870) 747-3319 FAX: (870) 747-3498 Trust Powers: No 297 Madison 72029-0280 Charter Number: 21 Date: July 23, 1890 FDIC Certificate Number: 107 Bank Holding Company Clarendon Holding Co., Clarendon, AR Chm: J. Baxter Sharp, III Pres: J. Kendall Henry Cash and Due from:...................................... 4,276 Federal Funds and Repos: ........................... 5,915 Investments: ............................................... 28,602 Net Loans: .................................................... 9,843 Premises and Fixed Assets:............................. 358 Other Real Estate: ............................................... 0 Other Assets: ................................................... 333 Total Assets: ............................................... 49,327 Total Trust Assets: ............................................... 0 Deposits: .................................................... 44,382 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 176 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 44,558 Total Equity Capital: ...................................... 4,769 Total Liabilities and Capital: ........................ 49,327 Number of Shares Outstanding: .................... 5,660 Directors: James W. Faulkner; J. Kendall Henry; B. J. Hopson; E. Davidson Lee; Kirby Meacham, Jr.; J. Baxter Sharp, III Branches in Town: None Other Branches: None Ninety-Ninth Report 37 Centennial Bank Conway, AR VOICE: (501) 328-4663 FAX: (501) 328-4601 Trust Powers: Yes 620 Chestnut Street 72032 Charter Number: 118 Date: May 12, 1903 FDIC Certificate Number: 11241 Home Page: www.my100bank.com Member of Federal Reserve System Bank Holding Company Home BancShares, Inc., Conway, AR Chm: John W. Allison EVP: Kevin Hester CEO/Pres: C. Randall Sims EVP: Randy E. Mayor Cash and Due from: .................................. 175,433 Federal Funds and Repos: ............................ 2,475 Investments: .............................................. 736,406 Net Loans:.............................................. 2,627,595 Premises and Fixed Assets: ...................... 119,737 Other Real Estate: ....................................... 43,058 Other Assets: ............................................ 377,995 Total Assets: .......................................... 4,082,699 Total Trust Assets: .............................................. 0 Deposits: ................................................ 3,356,028 Federal Funds and Borrowings: ................. 203,712 Other Liabilities:...........................................21,304 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 3,581,044 Total Equity Capital: .................................. 501,655 Total Liabilities and Capital: .................... 4,082,699 Number of Shares Outstanding: ....................2,400 Directors: Milburn Adams; Robert H. Adcock, Jr.; John W. Allison; Rick Ashley; William C. Brazil; Dale Bruns; Jack Engelkes; William J. Farris, Jr.; Kevin Hester; Randy E. Mayor; Jim Rankin, Jr.; C. Randall Sims Branches in Town: Six Other Branches: Apalachicola[FL], Beebe (2), Big PIne Key[FL], Blountstown[FL], Bristol[FL], Bryant, Cabot (5), Carrabelle[FL], Clermont[FL], Crawfordville[FL] (2), Daphne[AL], Destin[FL], Eastpoint[FL], Elberta[AL], Fairhope[AL], Foley[AL], Fordyce, Greenbrier, Gulf Shores[AL], Heber Springs, Islamorada[FL], Jacksonville (3), Key Largo[FL], Key West[FL] (3), Lake Mary[FL], Little Rock (8), Longwood[FL], Marathon[FL] (2), Marco Island[FL], Mayflower, Mexico Beach[FL], Morrilton, Mountain View (2), Navarre[FL], North Little Rock (6), Orange Beach[AL], Orlando[FL] (2), Panacea[FL], Panama City[FL] (3), Panama City Beach[FL] (3), Pensacola[FL] (3), Point Clear[AL], Port Charlotte[FL], Port Saint Joe[FL], Punta Gorda[FL], Quitman, Saint George Island[FL], Santa Rosa Beach[FL] (2), Searcy (2), Sherwood (2), Summerland Key[FL], Tallahassee[FL] (2), Vilonia, Ward, Wewahitchka[FL], Winter Park[FL] 38 Arkansas State Bank Department First State Bank Crossett, AR VOICE: (870) 364-5131 FAX: (870) 364-6329 Trust Powers: No 200 Pine Street 71635-0638 Charter Number: 718 Date: May 13, 1963 FDIC Certificate Number: 18987 Home Page: www.fsbcrossett.com Bank Holding Company Evergreen Bancshares, Inc., Crossett, AR Chm: Richard E. Griffin VP: Tressie A. Mills CEO/Pres: Howard M. Beaty, Jr. VP: Edith Morrison Cash and Due from:.................................... 12,457 Federal Funds and Repos: ................................ 50 Investments: ............................................... 10,563 Net Loans: .................................................. 15,219 Premises and Fixed Assets:.......................... 1,378 Other Real Estate: ........................................... 612 Other Assets: ................................................ 1,052 Total Assets: ............................................... 41,331 Total Trust Assets: ............................................... 0 Deposits: .................................................... 36,820 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 202 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 37,022 Total Equity Capital: ...................................... 4,309 Total Liabilities and Capital: ........................ 41,331 Number of Shares Outstanding: ................ 100,000 Directors: Howard M. Beaty, Jr.; Patricia Draper; Richard E. Griffin; Harry D. Stephens, Jr.; Dr. John D. Tice; Barney White Branches in Town: Two Other Branches: None Chambers Bank Danville, AR VOICE: (479) 495-2236 FAX: (479) 495-4650 Trust Powers: No 901 Main 72833-0609 Charter Number: 615 Date: October 3, 1930 FDIC Certificate Number: 5615 Home Page: www.chambers-bank.com Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm: Edward J. Taylor Pres/CFO: Mike Donnell CEO: Bill Donnell COO: Lora Briggs Cash and Due from:...................................... 8,219 Federal Funds and Repos: ......................... 60,075 Investments: ............................................... 34,579 Net Loans: ................................................ 472,843 Premises and Fixed Assets:........................ 10,918 Other Real Estate: ...................................... 42,664 Other Assets: .............................................. 52,898 Total Assets: ............................................. 682,196 Total Trust Assets: ............................................... 0 Deposits: .................................................. 566,795 Federal Funds and Borrowings: .................. 26,815 Other Liabilities: ............................................ 4,963 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 598,573 Total Equity Capital: .................................... 83,623 Total Liabilities and Capital: ...................... 682,196 Number of Shares Outstanding: .................. 10,000 Directors: Thomas Akin; Danny Bunting; John Ed Chambers, III; Bill Donnell; MIke Donnell; Nathan George; John O. Moore; Robert R. Redfern; Edward J. Taylor Branches in Town: One Other Branches: Amity, Bentonville, Dardanelle, Elkins (2), Fayetteville, Fort Smith (2), Goshen, Havana, Hot Springs, Hot Springs Village, Kirby, Mansfield, Mena, Springdale (2), Waldron Ninety-Ninth Report 39 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 Chm/CEO/Pres: Ronald L. Taylor CLO: Blake Tarpley Cash and Due from: .................................... 31,940 Federal Funds and Repos: .................................. 0 Investments: ................................................ 27,551 Net Loans:................................................... 98,392 Premises and Fixed Assets: .......................... 6,627 Other Real Estate: ......................................... 2,233 Other Assets: ................................................ 3,237 Total Assets: ............................................. 169,980 Total Trust Assets: .............................................. 0 Deposits: ................................................... 142,057 Federal Funds and Borrowings: .....................8,417 Other Liabilities:............................................... 759 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 151,233 Total Equity Capital: ....................................18,747 Total Liabilities and Capital: ....................... 169,980 Number of Shares Outstanding: ....................8,000 Directors: Dee Abrams; Jim R. Boze; Barbara Bullock; Bunny Bullock; William R. Bullock, Sr.; Blake Tarpley Branches in Town: One Other Branches: Atkins, Conway (2), Danville, Dover, Russellville (2) Decatur State Bank Decatur, AR VOICE: (479) 752-3281 FAX: (479) 752-8154 Trust Powers: No Hwy. 59 North 72722-0038 Charter Number: 707 Date: May 27, 1954 FDIC Certificate Number: 17346 Home Page: www.decaturstatebank.net Bank Holding Company Peterson Holding Company, Decatur, AR Chm/CEO: Bill Donnell Acting Pres: Joe Mills Cash and Due from: ...................................... 4,576 Federal Funds and Repos: .......................... 22,450 Investments: .................................................. 7,010 Net Loans:................................................... 65,489 Premises and Fixed Assets: .......................... 3,995 Other Real Estate: ......................................... 4,786 Other Assets: ................................................ 2,946 Total Assets: ............................................. 111,252 Total Trust Assets: .............................................. 0 Deposits: ................................................... 101,845 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 399 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 102,244 Total Equity Capital: ......................................9,008 Total Liabilities and Capital: ....................... 111,252 Number of Shares Outstanding: ....................7,000 Directors: Barry Burns; John Ed Chambers, III; Bill Donnell Branches in Town: None Other Branches: Gentry, Siloam Springs 40 Arkansas State Bank Department Bank of Delight Delight, AR VOICE: (870) 379-2293 FAX: (870) 379-2575 Trust Powers: No 503 East Antioch 71940-0068 Charter Number: 342 Date: June 16, 1911 FDIC Certificate Number: 99 Home Page: www.bankofdelight.com Bank Holding Company None Chm/CEO: Darwin Hendrix SVP: Rusty Silvey Pres: Glenn Vasser COO/VP: Vince Grimes Cash and Due from:...................................... 5,952 Federal Funds and Repos: ......................... 13,000 Investments: ............................................... 17,829 Net Loans: .................................................. 47,868 Premises and Fixed Assets:............................. 391 Other Real Estate: ........................................... 366 Other Assets: ................................................... 983 Total Assets: ............................................... 86,389 Total Trust Assets: ............................................... 0 Deposits: .................................................... 67,602 Federal Funds and Borrowings: .................... 1,231 Other Liabilities: ............................................... 107 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 68,940 Total Equity Capital: .................................... 17,449 Total Liabilities and Capital: ........................ 86,389 Number of Shares Outstanding: .................. 15,583 Directors: Gary Chambliss; Rodney Fagan; Darwin Hendrix; David B. Hendrix; Bev Jordan; Rusty Silvey Branches in Town: None Other Branches: Prescott First State Bank of DeQueen DeQueen, AR VOICE: (870) 642-4423 FAX: (870) 642-2847 Trust Powers: No 402 West Collin Raye Drive 71832-0970 Charter Number: 731 Date: August 26, 1974 FDIC Certificate Number: 21805 Home Page: www.fsbdequeen.com Member of Federal Reserve System Bank Holding Company First State Bancshares, Inc., DeQueen, AR Chm: Dennis Smiley EVP: Noel Bard CEO/Pres: Gary L. Golden SVP: J. Marc Jackson Cash and Due from:...................................... 5,101 Federal Funds and Repos: .................................. 0 Investments: ............................................... 49,523 Net Loans: ................................................ 123,697 Premises and Fixed Assets:.......................... 5,244 Other Real Estate: ............................................... 0 Other Assets: ................................................ 5,789 Total Assets: ............................................. 189,354 Total Trust Assets: ............................................... 0 Deposits: .................................................. 167,848 Federal Funds and Borrowings: .................... 5,608 Other Liabilities: ............................................ 1,989 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 175,445 Total Equity Capital: .................................... 13,909 Total Liabilities and Capital: ...................... 189,354 Number of Shares Outstanding: .................. 76,000 Directors: Julie Brown; Gary Dan Futrell; Gary L. Golden; Ronald Moore; Edward Revels; Dennis Smiley; Don Stemple Branches in Town: One Other Branches: Dierks, Lockesburg, Murfreesboro, Nashville Ninety-Ninth Report 41 Arkansas County Bank DeWitt, AR VOICE: (870) 946-3551 FAX: (870) 946-1562 Trust Powers: Yes 220 West Cross Street 72042 Charter Number: 790 Date: September 26, 2006 FDIC Certificate Number: 3858 Home Page: www.arkansascountybank.com Member of Federal Reserve System Bank Holding Company DeWitt First Bankshares Corporation, DeWitt, AR CEO/Pres: Warren A. Jennings, Jr. VP/Cash: Mary Jacobs EVP: Gary Oltmann VP/TO: Gena M. Jennings Cash and Due from: ...................................... 8,183 Federal Funds and Repos: .................................. 0 Investments: ................................................ 47,174 Net Loans:................................................. 103,768 Premises and Fixed Assets: .......................... 4,594 Other Real Estate: ............................................805 Other Assets: ................................................ 2,336 Total Assets: ............................................. 166,860 Total Trust Assets: ...................................... 20,499 Deposits: ................................................... 129,488 Federal Funds and Borrowings: ...................21,815 Other Liabilities:............................................... 184 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 151,487 Total Equity Capital: ....................................15,373 Total Liabilities and Capital: ....................... 166,860 Number of Shares Outstanding: .......................... 1 Directors: Dale K. Bennett; Kim B. Bethea; Georgea M. Greaves; M. Edward Hord; Waymon Hornbeck; Mary M. Jennings; Warren Jennings, Jr.; Warren A. Jennings, Sr.; K. Daniel Kennedy; Lester A. McKinley; James N. Moss, Jr.; Jimmie Rodgers; Gary Sebree Branches in Town: None Other Branches: Lockesburg, Stuttgart DeWitt Bank And Trust Company DeWitt, AR VOICE: (870) 946-3531 FAX: (870) 946-2815 Trust Powers: Yes Second and Jefferson Streets 72042-0071 Charter Number: 605 Date: March 1, 1929 FDIC Certificate Number: 1522 Home Page: www.dewittbankandtrust.com Bank Holding Company DBT Financial Corporation, DeWitt, AR Chm: Nancy F. Rasco EVP: Tricia Bull CEO/Pres: David Jessup TO: Jason Grantham Cash and Due from: ...................................... 8,190 Federal Funds and Repos: .................................. 0 Investments: .............................................. 120,171 Net Loans:................................................... 43,907 Premises and Fixed Assets: .............................796 Other Real Estate: ......................................... 1,446 Other Assets: ................................................ 9,180 Total Assets: ............................................. 183,690 Total Trust Assets: ...................................... 49,915 Deposits: ................................................... 134,676 Federal Funds and Borrowings: ...................26,520 Other Liabilities:.............................................1,061 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 162,257 Total Equity Capital: ....................................21,433 Total Liabilities and Capital: ....................... 183,690 Number of Shares Outstanding: ..................54,000 Directors: Tricia Bull; Donald Ray Dickson; James L. Fly, Jr.; David L. Jessup; Charles E. Lumsden; Becca R. Mehlin; Nancy F. Rasco; H. T. Simonton; Dean Watts Branches in Town: None Other Branches: Gillett 42 Arkansas State Bank Department Merchants & Farmers Bank Dumas, AR VOICE: (870) 382-4311 FAX: (870) 382-5901 Trust Powers: Yes 500 Highway 65 South 71639 Charter Number: 278 Date: May 10, 1909 FDIC Certificate Number: 8735 Home Page: www.mfbanknet.com Bank Holding Company M & F Financial Corporation, Dumas, AR CEO/Pres: J. Michael Jones TO: Glenda B. Owen EVP: Betty B. Trites Cash and Due from:...................................... 3,966 Federal Funds and Repos: ........................... 1,250 Investments: ............................................... 22,083 Net Loans: .................................................. 61,838 Premises and Fixed Assets:.......................... 2,911 Other Real Estate: ............................................... 0 Other Assets: ................................................ 4,688 Total Assets: ............................................... 96,736 Total Trust Assets: ...................................... 39,894 Deposits: .................................................... 87,196 Federal Funds and Borrowings: ....................... 829 Other Liabilities: ............................................... 108 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 88,133 Total Equity Capital: ...................................... 8,603 Total Liabilities and Capital: ........................ 96,736 Number of Shares Outstanding: .................. 40,000 Directors: L. Ashton Adcock; Jimmie Appleberry; Benny M. Estes; L. Sue Frank; Bruce Gasaway; Brooks Gill; Marion S. Gill; James L. Hill; J. Michael Jones; Don Livingston; William W. Shea; David Walt Branches in Town: One Other Branches: None First Financial Bank El Dorado, AR VOICE: (870) 863-7000 FAX: (870) 881-5393 Trust Powers: No 214 North Washington Street Charter Number: 778 71730-1754 Date: April 15, 1999 FDIC Certificate Number: 28905 Home Page: www.ffb1.com Member of Federal Reserve System Bank Holding Company First Financial Banc Corporation, El Dorado, AR Chm: Edwin B. Alderson, Jr. EVP/COO: Jerry Bullard CEO: J. Stephen Cameron CFO: Melissa Jerry Cash and Due from:.................................... 13,658 Federal Funds and Repos: ......................... 72,869 Investments: ............................................... 36,115 Net Loans: ................................................ 663,926 Premises and Fixed Assets:.......................... 8,571 Other Real Estate: ........................................ 5,692 Other Assets: .............................................. 35,410 Total Assets: ............................................. 836,241 Total Trust Assets: ............................................... 0 Deposits: .................................................. 631,744 Federal Funds and Borrowings: ................ 113,851 Other Liabilities: ............................................ 2,996 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 748,591 Total Equity Capital: .................................... 87,650 Total Liabilities and Capital: ...................... 836,241 Number of Shares Outstanding: ................ 704,757 Directors: Edwin B. Alderson, Jr.; Jerry Bullard; J. Stephen Cameron; Chris Hegi; Robert Merkle; John D. Milam; James M. Moore, Jr.; Robert M. Murfee; Margaret M. Niel; Jeffrey W. Nolan; Gary W. Sewell; Dr. Stephen C. Smart; Louis Knox White Branches in Town: Five Other Branches: Carthage[MS], Senatobia[MS], Smackover Ninety-Ninth Report 43 Simmons First Bank of El Dorado El Dorado, AR VOICE: (870) 862-8161 FAX: (870) 881-5129 Trust Powers: Yes 100 W. Grove 71730-5642 Charter Number: 792 Date: December 17, 2010 FDIC Certificate Number: 3860 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Robert L. Robinson, IV VP: Elizabeth "Betty" Flournoy SVP: Asa "Buddy" Lockwood VP: Janette Freeman Cash and Due from: .................................... 24,524 Federal Funds and Repos: .................................. 0 Investments: .............................................. 103,517 Net Loans:................................................... 76,264 Premises and Fixed Assets: .......................... 3,338 Other Real Estate: ............................................... 0 Other Assets: ................................................ 6,434 Total Assets: ............................................. 214,077 Total Trust Assets: .............................................. 0 Deposits: ................................................... 183,125 Federal Funds and Borrowings: ...................11,481 Other Liabilities:.............................................1,185 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 195,791 Total Equity Capital: ....................................18,286 Total Liabilities and Capital: ....................... 214,077 Number of Shares Outstanding: .......................... 0 Directors: Aubra Anthony, Jr.; David Bartlett; Steven Cosse'; T. Alan Gober; Phillip G. Herring; Denny McConathy; Kenneth P. Oliver, Jr.; Robert L. Robinson, IV; Floyd M. Thomas, Jr.; Larkin Wilson, III; Jennifer Wylie Branches in Town: Three Other Branches: Strong (2) Bank of England England, AR VOICE: (501) 842-2555 FAX: (501) 842-2422 Trust Powers: No 123 South Main Street 72046-0070 Charter Number: 48 Date: August 8, 1898 FDIC Certificate Number: 13303 Home Page: www.bankofengland-ar.com Bank Holding Company MHBC Investments Limited Partnership, I, England, AR Chm/CEO/Pres: Gary Canada, Sr. VP: Allen Evans EVP: Hanna B. Canada Cash: Sheila Rice Cash and Due from: ...................................... 3,419 Federal Funds and Repos: ............................ 9,550 Investments: ................................................ 19,494 Net Loans:................................................. 195,891 Premises and Fixed Assets: .......................... 5,508 Other Real Estate: ......................................... 2,340 Other Assets: ................................................ 8,515 Total Assets: ............................................. 244,717 Total Trust Assets: .............................................. 0 Deposits: ................................................... 201,916 Federal Funds and Borrowings: .....................1,114 Other Liabilities:.............................................8,125 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 211,155 Total Equity Capital: ....................................33,562 Total Liabilities and Capital: ....................... 244,717 Number of Shares Outstanding: ..................10,000 Directors: James Neal Anderson; Brad Canada; Gary Canada, Jr.; Gary Canada, Sr.; Hanna B. Canada; Samuel C. Cobb; Nicole Canada Luebke Branches in Town: One Other Branches: Carlisle, Little Rock, Lonoke, North Little Rock 44 Arkansas State Bank Department The Eudora Bank Eudora, AR VOICE: (870) 355-8311 FAX: (870) 355-8509 Trust Powers: No 111 North Main Street 71640-0250 Charter Number: 629 Date: December 23, 1930 FDIC Certificate Number: 11254 Bank Holding Company Delta Bancshares of Louisiana, Inc., Oak Grove, LA Chm: Charles F. Poole CEO/Pres: Robert Schultz Cash and Due from:...................................... 2,028 Federal Funds and Repos: .................................. 0 Investments: ............................................... 15,945 Net Loans: .................................................. 10,550 Premises and Fixed Assets:............................. 135 Other Real Estate: ........................................... 144 Other Assets: ................................................ 1,328 Total Assets: ............................................... 30,130 Total Trust Assets: ............................................... 0 Deposits: .................................................... 24,668 Federal Funds and Borrowings: .................... 2,725 Other Liabilities: ............................................... 136 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 27,529 Total Equity Capital: ...................................... 2,601 Total Liabilities and Capital: ........................ 30,130 Number of Shares Outstanding: .................. 14,000 Directors: Kay Avery; Robert D. Avery; Fred W. Hensley; Roger Hensley, Sr.; Charles F. Poole; Robert Schultz; W. R. Selman; Kent Sibley Branches in Town: None Other Branches: None Cornerstone Bank Eureka Springs, AR VOICE: (479) 253-2265 FAX: (479) 253-1165 Trust Powers: No 70 South Main 72632-0309 Charter Number: 374 Date: May 4, 1912 FDIC Certificate Number: 5635 Home Page: www.cstonebank.net Bank Holding Company Eureka Bancshares, Inc., Eureka Springs, AR CEO/Pres: Charles T. Cross EVP/CLO: Jason Tennant Cash and Due from:...................................... 3,351 Federal Funds and Repos: .................................. 0 Investments: ............................................... 36,627 Net Loans: .................................................. 99,820 Premises and Fixed Assets:.......................... 7,088 Other Real Estate: ........................................ 3,245 Other Assets: ................................................ 5,721 Total Assets: ............................................. 155,852 Total Trust Assets: ............................................... 0 Deposits: .................................................. 123,115 Federal Funds and Borrowings: .................. 15,372 Other Liabilities: ............................................... 847 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 139,334 Total Equity Capital: .................................... 16,518 Total Liabilities and Capital: ...................... 155,852 Number of Shares Outstanding: .................... 4,000 Directors: Genes L. Bland; Charles T. Cross; John F. Cross, Sr.; Johnice Cross; Lewis E. Epley, Jr.; William E. Goff; Rex A. Gustin; Daniel J. Mumaugh; Archie B. Ryan, Jr.; Dale Steffens; Mark Stone; Randy Wolfinbarger Branches in Town: One Other Branches: Berryville, Holiday Island Ninety-Ninth Report 45 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: Jim C. Walton EVP/CFO: Karla S. Payne CEO/Pres: K. Kevin Sabin EVP/COO: Phil Porter Cash and Due from: ............................... 1,034,069 Federal Funds and Repos: .................................. 0 Investments: ........................................... 3,697,805 Net Loans:.............................................. 7,915,638 Premises and Fixed Assets: ...................... 372,880 Other Real Estate: ....................................... 79,145 Other Assets: ......................................... 1,018,570 Total Assets: ........................................ 14,118,107 Total Trust Assets: ................................. 2,608,309 Deposits: .............................................. 11,847,208 Federal Funds and Borrowings: ................. 531,886 Other Liabilities:......................................... 239,911 Subordinated Debt: ............................................. 0 Total Liabilities: .................................... 12,619,005 Total Equity Capital: ............................... 1,499,102 Total Liabilities and Capital: .................. 14,118,107 Number of Shares Outstanding: ................ 350,692 Directors: Claudia Bratcher; Cliff Gibbs; Scott Grigsby; J. Robert Kelly; James M. King; Bradley Krieger; Karla S. Payne; Phillip O. Porter; K. Kevin Sabin; Jim C. Walton Branches in Town: 10 Other Branches: Ada[OK], Alma, Anderson[MO], Aurora[MO], Bartlesville[OK] (5), Bella Vista (3), Benton, Bentonville (6), Berryville (2), Branson[MO] (2), Branson West[MO], Broken Arrow[OK] (4), Bryant, Bull Shoals, Cabot, Caney[KS], Carthage[MO] (3), Cassville[MO], Centerton, Chickasha[OK], Choctaw[OK], Clarksville (2), Conway (3), Coweta[OK], Del City[OK], Dewey[OK] (2), Duncan[OK] (3), Edmond[OK] (5), Elgin[OK], Eufaula[OK], Eureka Springs, Farmington, Flippin, Forsyth[MO], Fort Smith (9), Gardner[KS], Gentry, Gladstone[MO], Gravette, Greenwood, Grove[OK], Harrison (4), Hindsville, Hollister[MO], Hot Springs (5), Hot Springs Village, Huntsville, Independence[MO], Jacksonville, Jay[OK], Jenks[OK], Joplin[MO] (6), Kansas [OK], Kansas City[MO] (7), Lawton[OK] (4), Lead Hill, Leawood[KS], Lebanon[MO], Lee's Summit[MO] (3), Lenexa[KS], Lincoln, Little Rock (10), Lockwood[MO], Lonoke, Lowell, Maumelle, McAlester[OK], Mena, Miami[OK], Midwest City[OK], Mission[KS], Monett[MO], Moore[OK], Morrilton, Mountain Grove[MO], Mountain Home (3), Muskogee[OK] (4), Neosho[MO] (2), Nevada[MO], Nixa[MO], Noel[MO], Norman[OK] (7), North Little Rock (3), Nowata[OK] (2), Oklahoma City[OK] (9), Okmulgee[OK], Ottawa[KS], Overland Park[KS], Owasso[OK] (2), Paris, Pea Ridge, Pineville[MO], Pittsburg[KS], Poteau[OK], Prairie Grove (2), Pryor[OK] (2), Rogers (7), Russellville (5), Sallisaw[OK], Sand Springs[OK], Sapulpa[OK], Shawnee[OK] (3), Shell Knob[MO], Sherwood (2), Siloam Springs (3), Springdale (6), Springfield[MO] (4), Stillwater[OK] (2), Stilwell[OK], Tahlequah[OK] (3), Tontitown, Tulsa[OK] (18), Van Buren (3), Vinita[OK], Wagoner[OK], Walters[OK], Webb City[MO], West Fork, West Plains[MO], Westville[OK], Yellville, Yukon[OK] 46 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 Chm/CEO/Pres: Gary R. Head COO: Marilyn Hendricks CFO: Russell W. Nugent, Jr. CLO: Daniel J. Lewis Cash and Due from:.................................... 33,631 Federal Funds and Repos: ........................... 5,000 Investments: ............................................... 49,150 Net Loans: ................................................ 361,289 Premises and Fixed Assets:.......................... 6,784 Other Real Estate: ...................................... 20,176 Other Assets: .............................................. 15,214 Total Assets: ............................................. 491,244 Total Trust Assets: ........................................ 2,222 Deposits: .................................................. 381,605 Federal Funds and Borrowings: .................. 52,515 Other Liabilities: ............................................ 3,330 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 437,450 Total Equity Capital: .................................... 53,794 Total Liabilities and Capital: ...................... 491,244 Number of Shares Outstanding: .................. 30,000 Directors: Gary R. Head ; Dan Bowers; John A. Dominick; Matthew Duffy; Greg Lee; Jerry P. Maland; Dave Morton; Todd Simmons Branches in Town: None Other Branches: Bentonville, Brinkley (2), Springdale The Bank of Fayetteville Fayetteville, AR VOICE: (479) 444-4444 FAX: (479) 443-1529 Trust Powers: Yes One South Block 72701 Charter Number: 789 Date: December 1, 2005 FDIC Certificate Number: 26975 Home Page: www.bof.com Member of Federal Reserve System Bank Holding Company Bankshares of Fayetteville, Inc., Fayetteville, AR CEO/Pres: Mary Beth Brooks EVP: Billie Pelton EVP: Bob King EVP/CFO: Sam Stricklin Cash and Due from:.................................... 24,198 Federal Funds and Repos: .................................. 0 Investments: ............................................... 55,086 Net Loans: ................................................ 225,818 Premises and Fixed Assets:.......................... 7,356 Other Real Estate: ........................................ 6,835 Other Assets: .............................................. 14,171 Total Assets: ............................................. 333,464 Total Trust Assets: ...................................... 53,138 Deposits: .................................................. 283,181 Federal Funds and Borrowings: .................... 6,022 Other Liabilities: ............................................ 2,476 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 291,679 Total Equity Capital: .................................... 41,785 Total Liabilities and Capital: ...................... 333,464 Number of Shares Outstanding: ................ 251,014 Directors: Woody Bassett; Scott Berna; Mary Beth Brooks; Bob Daugherty; Frank Kelly; David McClinton; Ann Rosso; Curtis Shipley Branches in Town: Four Other Branches: Farmington, Prairie Grove, West Fork Ninety-Ninth Report 47 Twin Lakes Community Bank Flippin, AR VOICE: (870) 453-8522 FAX: (870) 453-8525 Trust Powers: No 301 South First Street 72634 Charter Number: 620 Date: December 2, 1930 FDIC Certificate Number: 15880 Home Page: www.tlcbank.net Member of Federal Reserve System Bank Holding Company First National Corporation of Wynne, Wynne, AR Chm: Judy R. Loving Pres: Sandy Garrison CEO: Noel Morris CFO/VP: Marcus Walser Cash and Due from: ...................................... 2,916 Federal Funds and Repos: ...............................250 Investments: ................................................ 10,256 Net Loans:................................................... 65,194 Premises and Fixed Assets: .......................... 5,348 Other Real Estate: ......................................... 1,573 Other Assets: ................................................ 1,260 Total Assets: ............................................... 86,797 Total Trust Assets: .............................................. 0 Deposits: .....................................................76,508 Federal Funds and Borrowings: ....................... 850 Other Liabilities:............................................... 306 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................77,664 Total Equity Capital: ......................................9,133 Total Liabilities and Capital: .........................86,797 Number of Shares Outstanding: ................ 469,594 Directors: Keith Daffron; Jeff Gilbrech; Randy Hopper; Philip Hurst; Judy R. Loving; Jeff Magness; Sean Williams Branches in Town: None Other Branches: Mountain Home, Norfork FBT Bank & Mortgage Fordyce, AR VOICE: (870) 352-3107 FAX: (870) 352-5202 Trust Powers: Yes 200 West Fourth Street 71742-2202 Charter Number: 631 Date: January 5, 1931 FDIC Certificate Number: 1028 Home Page: www.fordycebank.com Member of Federal Reserve System Bank Holding Company FBT Bancshares, Inc., Fordyce, AR Chm/CEO/Pres/TO: James V. Hulse, Jr. EVP: Bruce Dawson EVP: Suzette Crutchfield EVP: Don Lyle Cash and Due from: .................................... 11,063 Federal Funds and Repos: .................................. 0 Investments: ................................................ 51,229 Net Loans:................................................... 61,737 Premises and Fixed Assets: .......................... 2,317 Other Real Estate: ..............................................82 Other Assets: ................................................ 5,192 Total Assets: ............................................. 131,620 Total Trust Assets: ........................................ 1,264 Deposits: ................................................... 103,632 Federal Funds and Borrowings: ...................15,000 Other Liabilities:............................................... 377 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 119,009 Total Equity Capital: ....................................12,611 Total Liabilities and Capital: ....................... 131,620 Number of Shares Outstanding: ....................8,000 Directors: Joe D. Barnes; Suzette Crutchfield; James V. Hulse, Jr.; Roy McClain; Anthony Nutt; John N. Summers; Greg Terry; Charles B. Trussell; Clyde Williams Branches in Town: One Other Branches: Pine Bluff, Rison, White Hall 48 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/CFO: Rick Pollreis EVP: David N. Wills Pres/CLO: Jim R. Sloan SVP: Bob King Cash and Due from:...................................... 4,586 Federal Funds and Repos: ........................... 1,725 Investments: ............................................... 35,246 Net Loans: .................................................. 76,253 Premises and Fixed Assets:.......................... 2,784 Other Real Estate: ........................................... 585 Other Assets: ................................................ 6,942 Total Assets: ............................................. 128,121 Total Trust Assets: ............................................... 0 Deposits: .................................................. 108,382 Federal Funds and Borrowings: .................... 2,000 Other Liabilities: ............................................ 2,366 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 112,748 Total Equity Capital: .................................... 15,373 Total Liabilities and Capital: ...................... 128,121 Number of Shares Outstanding: .................... 4,000 Directors: Albert P. Dunagin; Sharron Edmondson; Jim A. Edmonson; Kenny R. Hancock; John A. Lykins; John R. Meade; William R. Meade; Richard T. Pollreis; Jim R. Sloan; David N. Wills Branches in Town: One Other Branches: Centerton, Hiwasse First Service Bank Greenbrier, AR VOICE: (501) 679-7200 FAX: (501) 679-5104 Trust Powers: No 136 South Broadview 72058-0190 Charter Number: 732 Date: October 15, 1976 FDIC Certificate Number: 18519 Home Page: www.firstservicebank.com Bank Holding Company First Service Bancshares, Inc., Greenbrier, AR Chm: Thomas H. Grumbles CFO/COO: Kenneth Barnard CEO/Pres: Thomas H. Grumbles Cash and Due from:...................................... 7,826 Federal Funds and Repos: .................................. 0 Investments: ............................................... 18,121 Net Loans: ................................................ 166,546 Premises and Fixed Assets:.......................... 9,877 Other Real Estate: ........................................ 2,448 Other Assets: ................................................ 6,941 Total Assets: ............................................. 211,759 Total Trust Assets: ............................................... 0 Deposits: .................................................. 181,420 Federal Funds and Borrowings: .................... 1,344 Other Liabilities: ............................................ 1,278 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 184,042 Total Equity Capital: .................................... 27,717 Total Liabilities and Capital: ...................... 211,759 Number of Shares Outstanding: .................. 15,000 Directors: James Beavers; Steve Bone; Dr. Gary Bowman; Melton Cotton; Thomas H. Grumbles; Jim Hawks; Dr. Kyle D. Hensley; Dois "Dyke" Johnson; Jerry Kimbrough; Randy McCaslin; Larry Oaks Branches in Town: None Other Branches: Clinton (2), Conway, Dermott, Flippin, Marshall, Mountain View, Shirley, Yellville Ninety-Ninth Report 49 Farmers Bank Greenwood, AR VOICE: (479) 996-4171 FAX: (479) 996-6700 Trust Powers: Yes 71 West Center 72936-0610 Charter Number: 243 Date: August 7, 1907 FDIC Certificate Number: 1296 Home Page: www.gofarmersbank.com Bank Holding Company Wilkinson Banking Corporation, Greenwood, AR Chm: Elizabeth Wilkinson TO: Norman Wilkinson CEO: Stanhope Wilkinson Cash and Due from: ...................................... 4,605 Federal Funds and Repos: ............................ 8,000 Investments: ................................................ 79,637 Net Loans:................................................... 75,762 Premises and Fixed Assets: ........................ 15,921 Other Real Estate: ......................................... 2,140 Other Assets: ................................................ 3,644 Total Assets: ............................................. 189,709 Total Trust Assets: ........................................ 4,069 Deposits: ................................................... 150,968 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 240 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 151,208 Total Equity Capital: ....................................38,501 Total Liabilities and Capital: ....................... 189,709 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 210 North Main 71646-0350 Charter Number: 680 Date: March 10, 1941 FDIC Certificate Number: 15810 Home Page: www.farmersbankhamburg.com Bank Holding Company None Chm: Nancy Foote Spivey VP: Virginia Bowman CEO/Pres: Kenneth Allbritton VP/Cash: June M. Golden Cash and Due from: .................................... 11,858 Federal Funds and Repos: .................................. 0 Investments: ................................................ 16,812 Net Loans:................................................... 11,303 Premises and Fixed Assets: .............................662 Other Real Estate: ..............................................80 Other Assets: ...................................................705 Total Assets: ............................................... 41,420 Total Trust Assets: .............................................. 0 Deposits: .....................................................36,954 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 70 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................37,024 Total Equity Capital: ......................................4,396 Total Liabilities and Capital: .........................41,420 Number of Shares Outstanding: ..................44,520 Directors: Gene Barnes; William E. Foote, IV; Nancy C. Foote Spivey; Freddie Martin; Jack Shell; Bobby J. Witherington Branches in Town: None Other Branches: None 50 Arkansas State Bank Department First Bank Hampton, AR VOICE: (870) 837-8300 FAX: (870) 837-8310 Trust Powers: No 302 West Main Street 71744-0008 Charter Number: 220 Date: October 26, 1906 FDIC Certificate Number: 88 Home Page: www.firstbankar.com Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm: Searcy W. Harrell, Jr. Reg Pres: Jonathan Harrell CEO/Pres: Phillip J. Foster CFO: Sandy Ferguson Cash and Due from:...................................... 5,565 Federal Funds and Repos: ........................... 4,875 Investments: ............................................... 44,520 Net Loans: ................................................ 190,764 Premises and Fixed Assets:.......................... 6,400 Other Real Estate: ........................................ 1,217 Other Assets: ................................................ 8,266 Total Assets: ............................................. 261,607 Total Trust Assets: ............................................... 0 Deposits: .................................................. 218,418 Federal Funds and Borrowings: .................. 17,424 Other Liabilities: ............................................ 1,051 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 236,893 Total Equity Capital: .................................... 24,714 Total Liabilities and Capital: ...................... 261,607 Number of Shares Outstanding: .................... 4,000 Directors: L. D. Becton, III; Dan H. Byars; Gene Dereuisseaux; Phillip J. Foster; Ben Harrell; Carl Harrell; Jonathan W. Harrell; 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 (4), Junction City, Rogers, Siloam Springs Community First Bank Harrison, AR VOICE: (870) 391-8000 FAX: (870) 391-8081 Trust Powers: Yes 200 East Ridge 72601 Charter Number: 772 Date: October 14, 1997 FDIC Certificate Number: 34611 Home Page: www.communityfirstbank.com Bank Holding Company Community First Bancshares, Inc., Harrison, AR Chm: Jerry Maland CFO/COO: Ann Main CEO/Pres: David Morton CCO: Danny Criner Cash and Due from:...................................... 5,482 Federal Funds and Repos: ......................... 12,675 Investments: ............................................... 89,192 Net Loans: ................................................ 337,097 Premises and Fixed Assets:........................ 11,192 Other Real Estate: ........................................ 8,082 Other Assets: ................................................ 9,894 Total Assets: ............................................. 473,614 Total Trust Assets: ............................................... 0 Deposits: .................................................. 372,384 Federal Funds and Borrowings: .................. 38,518 Other Liabilities: ............................................ 2,961 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 413,863 Total Equity Capital: .................................... 59,751 Total Liabilities and Capital: ...................... 473,614 Number of Shares Outstanding: .................. 60,000 Directors: Dan R. Bowers; Danny Criner; J. Kirkwood Dupps; Jim Harp; Elizabeth Kelley; Ann Main; Jerry Maland; Meredith Miller; David Morton; James Nelson; Jim Sprott; Deretha Walker Branches in Town: One Other Branches: Berryville, Eureka Springs, Pea Ridge Ninety-Ninth Report 51 Horatio State Bank Horatio, AR VOICE: (870) 832-2501 FAX: (870) 832-2577 Trust Powers: No 123 Main Street 71842-0347 Charter Number: 179 Date: May 15, 1905 FDIC Certificate Number: 109 Bank Holding Company Pioneer Bancshares, Inc. of Horatio, Arkansas, Horatio, AR Chm/CEO/Pres: Carl E. Hendrix, III SVP: Edith H. Smith EVP: Todd B. Trimble VP: C. E. Hendrix, Jr. Cash and Due from: .................................... 14,904 Federal Funds and Repos: ............................ 2,000 Investments: ................................................ 22,144 Net Loans:................................................... 96,183 Premises and Fixed Assets: .............................607 Other Real Estate: ..............................................57 Other Assets: ................................................ 1,711 Total Assets: ............................................. 137,606 Total Trust Assets: .............................................. 0 Deposits: ................................................... 122,791 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 155 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 122,946 Total Equity Capital: ....................................14,660 Total Liabilities and Capital: ....................... 137,606 Number of Shares Outstanding: ....................2,000 Directors: Margaret S. Griffin; Carl E. Hendrix, III; Edith H. Smith; Wilburn Smith; Elizabeth H. Trimble; Todd B. Trimble Branches in Town: None Other Branches: None Hot Springs Bank & Trust Company Hot Springs, AR VOICE: (501) 525-1033 FAX: (501) 525-1037 Trust Powers: Yes 4446 Central Avenue 71913 Charter Number: 737 Date: July 6, 1978 FDIC Certificate Number: 3855 Home Page: www.hsbanking.com Bank Holding Company Jefferson Bancshares, Inc., Pine Bluff, AR Chm: John P. Garrison EVP/TO: Richard L. Metcalf CEO/Pres: Harold Hardwick SVP: Carol Cook Cash and Due from: ...................................... 5,422 Federal Funds and Repos: ............................ 9,100 Investments: .................................................. 8,396 Net Loans:................................................... 52,800 Premises and Fixed Assets: .......................... 4,464 Other Real Estate: ......................................... 4,051 Other Assets: ................................................ 1,502 Total Assets: ............................................... 85,735 Total Trust Assets: ...................................... 22,662 Deposits: .....................................................75,865 Federal Funds and Borrowings: ....................... 234 Other Liabilities:............................................... 159 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................76,258 Total Equity Capital: ......................................9,477 Total Liabilities and Capital: .........................85,735 Number of Shares Outstanding: ................ 125,610 Directors: Thomas Dial; John P. Garrison; Harold Hardwick; Rodney P. Herndon; Annette Kline; Richard L. Metcalf; Charles G. Morgan, Jr.; Scott Pittillo Branches in Town: Two Other Branches: Hot Springs Village (2) Arkansas State Bank Department 52 Simmons First Bank of Hot Springs Hot Springs, AR VOICE: (501) 318-1000 FAX: (501) 318-6018 Trust Powers: Yes 100 Werner Drive 71913 Charter Number: 769 Date: April 17, 1997 FDIC Certificate Number: 34473 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm: David L. Bartlett SVP: Cindy Baswell CEO/Pres: Steven Trusty SVP: Chris White Cash and Due from:.................................... 23,534 Federal Funds and Repos: .................................. 0 Investments: ............................................... 54,371 Net Loans: .................................................. 68,880 Premises and Fixed Assets:.......................... 2,899 Other Real Estate: ........................................... 299 Other Assets: .............................................. 21,092 Total Assets: ............................................. 171,075 Total Trust Assets: ............................................... 0 Deposits: .................................................. 131,197 Federal Funds and Borrowings: .................... 7,579 Other Liabilities: ............................................ 2,658 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 141,434 Total Equity Capital: .................................... 29,641 Total Liabilities and Capital: ...................... 171,075 Number of Shares Outstanding: .................. 18,663 Directors: Sara Barnett; David L. Bartlett; Stuart A. Fleischner, D.D.S.; James "Bart" Newman; Lance A. Porter, D.D.S.; Sam P. Stathakis, Jr.; Steven W. Trusty Branches in Town: Three Other Branches: None First State Bank of Northwest Arkansas Huntsville, AR VOICE: (479) 582-0700 FAX: (479) 251-8253 Trust Powers: Yes 432 Madison 1650 72740-0667 Charter Number: 756 Date: July 26, 1991 FDIC Certificate Number: 33470 Home Page: www.fsbnwa.com Bank Holding Company Mathias Bancshares, Inc., Springdale, AR Chm: Sam Mathias EVP/COO: Marivel Radcliffe CEO/Pres: Larry Olson SVP/CLO: Mark A. Marks Cash and Due from:...................................... 2,881 Federal Funds and Repos: .................................. 0 Investments: ............................................... 17,658 Net Loans: .................................................. 41,321 Premises and Fixed Assets:.......................... 3,278 Other Real Estate: ........................................ 4,275 Other Assets: .............................................. 24,808 Total Assets: ............................................... 94,221 Total Trust Assets: ............................................... 0 Deposits: .................................................... 72,092 Federal Funds and Borrowings: .................... 8,431 Other Liabilities: ............................................... 783 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 81,306 Total Equity Capital: .................................... 12,915 Total Liabilities and Capital: ........................ 94,221 Number of Shares Outstanding: .................. 27,000 Directors: Curtis Hutchins; Sam Mathias; Bob Nickle; Larry Olson; Janie Waters Reed; Lew Thompson; Arthur Thurman Branches in Town: One Other Branches: Fayetteville Ninety-Ninth Report 53 First Arkansas Bank & Trust Jacksonville, AR VOICE: (501) 982-4511 FAX: (501) 982-5769 Trust Powers: Yes 600 West Main 72076 Charter Number: 701 Date: August 2, 1949 FDIC Certificate Number: 16849 Home Page: www.firstarkansasbank.com Bank Holding Company First Arkansas BancShares, Inc., Jacksonville, AR Chm/CEO/Pres: Larry T. Wilson SVP/CFO: Kim Crook EVP: John Hardwick Cash and Due from: .................................... 41,237 Federal Funds and Repos: .................................. 0 Investments: .............................................. 137,123 Net Loans:................................................. 396,059 Premises and Fixed Assets: ........................ 20,137 Other Real Estate: ......................................... 1,300 Other Assets: .............................................. 65,741 Total Assets: ............................................. 661,597 Total Trust Assets: .................................... 114,871 Deposits: ................................................... 533,706 Federal Funds and Borrowings: .....................3,462 Other Liabilities:.............................................6,410 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 543,578 Total Equity Capital: .................................. 118,019 Total Liabilities and Capital: ....................... 661,597 Number of Shares Outstanding: ................ 200,000 Directors: Cecil Alexander; Tommy Bond; Thad Gray; Pat Hagge; John C. Hardwick; James E. Peacock; Kathryn W. Roberts; Wetzel Stark; Larry T. Wilson; Michael K. Wilson Branches in Town: Four Other Branches: Austin, Cabot (3), Clinton, Damascus, El Paso, Gravel Ridge, Greenbrier (2), Greers Ferry, Heber Springs (3), Quitman, Sherwood 54 Arkansas State Bank Department Liberty Bank of Arkansas Jonesboro, AR VOICE: (870) 934-9000 FAX: (870) 268-1525 Trust Powers: Yes 2901 East Highland Drive 72401 Charter Number: 787 Date: January 24, 2001 FDIC Certificate Number: 3878 Home Page: www.mylibertybank.com Member of Federal Reserve System Bank Holding Company Liberty Bancshares, Inc., Jonesboro, AR Chm/CEO: Wallace W. Fowler Pres: John C. Freeman VChm: Mark P. Fowler EVP/TO: Aubrey Avants Cash and Due from:.................................... 49,162 Federal Funds and Repos: .................................. 0 Investments: ............................................. 685,733 Net Loans: ............................................. 1,863,431 Premises and Fixed Assets:........................ 83,888 Other Real Estate: ...................................... 26,545 Other Assets: ............................................ 143,967 Total Assets: .......................................... 2,852,726 Total Trust Assets: .................................... 374,157 Deposits: ............................................... 2,198,454 Federal Funds and Borrowings: ................ 278,693 Other Liabilities: ............................................ 7,162 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 2,484,309 Total Equity Capital: .................................. 368,417 Total Liabilities and Capital: ................... 2,852,726 Number of Shares Outstanding: ................ 350,000 Directors: Wayne F. Baker; Susan Cathcart; Richard Darouse; Chris E. Fowler; Jama M. Fowler; Mark P. Fowler; Wallace W. Fowler; John C. Freeman; Moud Gazaway; Stacy Greene; Al M. Heringer, III; Sam W. Hummelstein; Mike Langford; Charles Luter; Hugh McClain; Lloyd H. McCracken, Jr.; Matt Parker; Roy Reaves; James E. Way Branches in Town: Six Other Branches: Atkins, Batesville (2), Bay, Bentonville, Clarksville, Dardanelle (2), Fayetteville (2), Fort Smith (3), Gentry, Highland, Monette, Morrilton, Mountain Home (2), Paragould (3), Pottsville, Rector, Rogers, Russellville (4), Searcy (3), Siloam Springs (3), Springdale, Tontitown, Van Buren Ninety-Ninth Report 55 Simmons First Bank of Northeast Arkansas Jonesboro, AR VOICE: (870) 933-8000 FAX: (870) 933-7565 Trust Powers: Yes 1720 South Caraway Road 72401 Charter Number: 734 Date: December 22, 1976 FDIC Certificate Number: 16715 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Barry K. Ledbetter SVP/Sec: Wayne Bond SVP: Kent Bridger Cash and Due from: .................................... 14,138 Federal Funds and Repos: ............................ 2,208 Investments: ................................................ 28,997 Net Loans:................................................. 287,644 Premises and Fixed Assets: .......................... 5,944 Other Real Estate: ..............................................31 Other Assets: ................................................ 7,970 Total Assets: ............................................. 346,932 Total Trust Assets: .............................................. 0 Deposits: ................................................... 292,297 Federal Funds and Borrowings: ...................17,861 Other Liabilities:.............................................2,875 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 313,033 Total Equity Capital: ....................................33,899 Total Liabilities and Capital: ....................... 346,932 Number of Shares Outstanding: ................ 175,000 Directors: David Bartlett; Barry K. Ledbetter; Ben Owens, Jr.; David Pyle; Jim Scurlock; Berl A. Smith; Mark Wimpy Branches in Town: Two Other Branches: Paragould, Weiner Simmons First Bank of South Arkansas Lake Village, AR VOICE: (870) 265-5366 FAX: (870) 265-5558 Trust Powers: Yes 417 Main Street 71653-0271 Charter Number: 716 Date: June 12, 1962 FDIC Certificate Number: 18590 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO: Freddie G. Black Pres: Tommy R. Jarrett Cash and Due from: .................................... 14,435 Federal Funds and Repos: .................................. 0 Investments: ................................................ 55,427 Net Loans:................................................. 107,552 Premises and Fixed Assets: .......................... 3,131 Other Real Estate: ..............................................25 Other Assets: ................................................ 5,776 Total Assets: ............................................. 186,346 Total Trust Assets: .............................................. 0 Deposits: ................................................... 158,735 Federal Funds and Borrowings: ...................10,173 Other Liabilities:.............................................1,495 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 170,403 Total Equity Capital: ....................................15,943 Total Liabilities and Capital: ....................... 186,346 Number of Shares Outstanding: ..................12,500 Directors: Freddie G. Black; Robert G. Bridewell, Sr.; James W. Haddock; Craig Hunt; Tommy R. Jarrett; Beverly M. Mihalyka; Jerry Selby; Harold Smith Branches in Town: One Other Branches: Dermott, Dumas, Monticello 56 Arkansas State Bank Department The Bank of Lake Village Lake Village, AR VOICE: (870) 265-2241 FAX: (870) 265-2125 Trust Powers: No 201 Main Street 71653-0727 Charter Number: 675 Date: October 14, 1937 FDIC Certificate Number: 15547 Home Page: www.bankoflakevillage.com Member of Federal Reserve System Bank Holding Company Southeast Arkansas Bank Corporation, Lake Village, AR Chm: Charles H. Weissinger, Jr. VChm: William W. Bunker CEO/Pres: Terence J. Alpe Sec: John Todd Potter Cash and Due from:...................................... 3,708 Federal Funds and Repos: ........................... 3,425 Investments: ............................................... 13,147 Net Loans: .................................................. 36,460 Premises and Fixed Assets:.......................... 1,152 Other Real Estate: ............................................. 65 Other Assets: ................................................ 1,389 Total Assets: ............................................... 59,346 Total Trust Assets: ............................................... 0 Deposits: .................................................... 52,756 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 161 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 52,917 Total Equity Capital: ...................................... 6,429 Total Liabilities and Capital: ........................ 59,346 Number of Shares Outstanding: .................. 60,000 Directors: Terence J. Alpe; Sam E. Angel; Sam Epstein Angel, II; William W. Bunker; Dr. John P. Burge, Sr.; David F. Gillison, Jr.; Joseph J. Pieroni; Charles H. Weissinger, Jr.; Guy Mattingly Weissinger Branches in Town: One Other Branches: None Little River Bank Lepanto, AR VOICE: (870) 475-2306 FAX: (870) 475-3070 Trust Powers: Yes 202 Greenwood 72354-0340 Charter Number: 498 Date: November 21, 1919 FDIC Certificate Number: 1298 Home Page: www.littleriverbank.com Bank Holding Company Little River Bancshares, Inc., Lepanto, AR CEO/Pres: Frankie L. Pratt SVP: Jana Malone EVP: Lois Criddle VP: Monica Sims Cash and Due from:...................................... 3,880 Federal Funds and Repos: .................................. 0 Investments: ............................................... 22,987 Net Loans: .................................................. 14,046 Premises and Fixed Assets:............................. 266 Other Real Estate: ........................................... 333 Other Assets: ................................................... 246 Total Assets: ............................................... 41,758 Total Trust Assets: ............................................... 0 Deposits: .................................................... 37,359 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 173 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 37,532 Total Equity Capital: ...................................... 4,226 Total Liabilities and Capital: ........................ 41,758 Number of Shares Outstanding: .................. 10,000 Directors: E. Ritter Arnold; Hadley Ingram Arnold; Scott Arnold, IV; Danette W. Lawrie; Dannal Perry; Ernest B. Portis; Julanne Portis; Frankie L. Pratt; Juliet Romano; Henry G. Watkins, III Branches in Town: None Other Branches: None Ninety-Ninth Report 57 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/Pres: Eugene L. Maris SVP/Cash: Lee A. Swearingen Cash and Due from: ...................................... 9,965 Federal Funds and Repos: ............................ 4,475 Investments: ................................................ 67,332 Net Loans:................................................... 99,891 Premises and Fixed Assets: .......................... 6,160 Other Real Estate: ......................................... 3,872 Other Assets: ................................................ 4,379 Total Assets: ............................................. 196,074 Total Trust Assets: .............................................. 0 Deposits: ................................................... 176,349 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 860 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 177,209 Total Equity Capital: ....................................18,865 Total Liabilities and Capital: ....................... 196,074 Number of Shares Outstanding: ................ 100,000 Directors: Eugene L. Maris; James M. May, III; Stephen W. Plunkett; Steven C. Russell Branches in Town: Four Other Branches: None 58 Arkansas State Bank Department Bank of the Ozarks Little Rock, AR VOICE: (501) 978-2265 FAX: (501) 978-2340 Trust Powers: Yes 17901 Chenal Parkway 72223 Charter Number: 121 Date: March 24, 1903 FDIC Certificate Number: 110 Home Page: www.bankozarks.com Bank Holding Company Bank of the Ozarks, Inc., Little Rock, AR Chm/CEO: George G. Gleason, II COO: Mark D. Ross CFO: Greg McKinney VChm/Pres: Dan Thomas Cash and Due from:.................................... 60,892 Federal Funds and Repos: .................................. 0 Investments: ............................................. 475,228 Net Loans: ............................................. 2,915,748 Premises and Fixed Assets:...................... 225,838 Other Real Estate: ...................................... 56,540 Other Assets: ............................................ 305,337 Total Assets: .......................................... 4,039,583 Total Trust Assets: ................................. 1,182,827 Deposits: ............................................... 3,001,747 Federal Funds and Borrowings: ................ 416,393 Other Liabilities: .......................................... 48,415 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 3,466,555 Total Equity Capital: .................................. 573,028 Total Liabilities and Capital: ................... 4,039,583 Number of Shares Outstanding: .................... 2,340 Directors: Jean Arehart; Nicholas A. Brown; Richard L. Cisne; Robert C. East; George G. Gleason, II; Linda D. Gleason; Peter C. Kenny; Henry Mariani; Robert Proost; R. L. Qualls; John B. Reynolds; Dan Thomas; Sherece Y. West-Scantlebury Branches in Town: Eight Other Branches: Adairsville[GA], Allen[TX], Alma, Altus, Athens[GA], Bainbridge[GA] (2), Bella Vista (2), Bellefonte, Benton (3), Bentonville (2), Bluffton[SC], Bradenton[FL] (2), Brunswick[GA], Bryant, Cabot (2), Cairo[GA], Calhoun[GA], Carrollton[TX], Cartersville[GA] (2), Charlotte[NC], Clarksville (2), Clinton, Conway (4), Cumming[GA], Dallas[GA], Dallas[TX], Dawsonville[GA] (2), Douglasville[GA], Fayetteville (2), Fort Smith (3), Frisco[TX] (2), Geneva[AL], Harrison (2), Hot Springs (3), Jasper, Keller[TX], Lake Park[GA], Lewisville[TX], Lonoke, Lonsdale, Marble Hill[GA], Marshall, Maumelle, McDonough[GA], Mobile[AL] (2), Mountain Home (2), Mulberry, Newnan[GA], North Little Rock (3), Oakwood[GA], Ocala[FL], Ozark (2), Palmetto[FL], Paris, Plano[TX], Rogers (3), Rome[GA], Russellville (3), Savannah[GA], Senoia[GA], Sharpsburg[GA], Sherwood, Southlake[TX], Springdale, St. Simons Island[GA], Texarkana, Texarkana[TX] (2), The Colony[TX], Valdosta[GA] (3), Van Buren (2), Western Grove, Wilmington[NC], Yellville Ninety-Ninth Report 59 Central Bank Little Rock, AR VOICE: (501) 221-6400 FAX: (501) 227-8932 Trust Powers: No 1506 Market Street, Suite C180 Charter Number: 385 72211-1816 Date: August 12, 1912 FDIC Certificate Number: 1756 Home Page: www.centralbankar.com Bank Holding Company None Chm: Francis X. "Skip" Frantz SVP/CLO: Megan Powell CEO/Pres: Wade Ruckle VP/Cash: Carole Gilbert Cash and Due from: ...................................... 2,128 Federal Funds and Repos: ............................ 2,210 Investments: ................................................ 33,354 Net Loans:................................................... 52,196 Premises and Fixed Assets: .............................117 Other Real Estate: ......................................... 2,884 Other Assets: ................................................ 1,514 Total Assets: ............................................... 94,403 Total Trust Assets: .............................................. 0 Deposits: .....................................................76,812 Federal Funds and Borrowings: .....................2,819 Other Liabilities:............................................... 564 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................80,195 Total Equity Capital: ....................................14,208 Total Liabilities and Capital: .........................94,403 Number of Shares Outstanding: ................ 160,000 Directors: James R. Burks; David Estes; Francis X. "Skip" Frantz; James B. Malone; John Reese; R. Steve Roberson; Wade Ruckle; Rodney Thomason Branches in Town: None Other Branches: None Eagle Bank & Trust Company Little Rock, AR VOICE: (501) 223-2000 FAX: (501) 223-0373 Trust Powers: Yes 650 South Shackleford, Suite 150 Charter Number: 735 72211 Date: May 7, 1977 FDIC Certificate Number: 3873 Home Page: www.eaglebank.com Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Catherine H. Owen EVP: Paul Castleberry CEO/Pres: Jeff Lynch EVP: Janice Parrott Cash and Due from: .................................... 10,145 Federal Funds and Repos: ............................ 3,025 Investments: .............................................. 207,640 Net Loans:................................................. 125,313 Premises and Fixed Assets: .......................... 5,407 Other Real Estate: ......................................... 1,222 Other Assets: ................................................ 9,733 Total Assets: ............................................. 362,485 Total Trust Assets: .............................................. 0 Deposits: ................................................... 307,346 Federal Funds and Borrowings: ...................15,986 Other Liabilities:.............................................1,023 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 324,355 Total Equity Capital: ....................................38,130 Total Liabilities and Capital: ....................... 362,485 Number of Shares Outstanding: ..................17,656 Directors: Andrew H. Hastings; H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Bill G. Lynch; Jeff Lynch; Catherine H. Owen Branches in Town: None Other Branches: Drasco, Fairfield Bay, Gravel Ridge, Greers Ferry, Heber Springs (2), North Little Rock, Quitman, Rose Bud, Sherwood (3), Vilonia 60 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 SVP: Donna Hall EVP/CFO: Jeanette Nation VP: Alan Harrison Cash and Due from:...................................... 1,690 Federal Funds and Repos: .............................. 625 Investments: ............................................... 85,505 Net Loans: .................................................. 47,700 Premises and Fixed Assets:.......................... 6,230 Other Real Estate: ........................................ 1,751 Other Assets: ................................................ 6,551 Total Assets: ............................................. 150,052 Total Trust Assets: ............................................... 0 Deposits: .................................................... 99,772 Federal Funds and Borrowings: .................. 35,954 Other Liabilities: ............................................... 331 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 136,057 Total Equity Capital: .................................... 13,995 Total Liabilities and Capital: ...................... 150,052 Number of Shares Outstanding: .................. 32,013 Directors: Joseph W. Park; Kyle E. Patton; Boyd Rothwell; Warren Stephenson Branches in Town: None Other Branches: None First State Bank Lonoke, AR VOICE: (501) 676-3106 FAX: (501) 676-5046 Trust Powers: No Chm: Neil Bennett, Jr. CEO: David R. Estes 101 South Center Street 72086-0320 Charter Number: 670 Date: March 9, 1935 FDIC Certificate Number: 15050 Home Page: www.firststatebk.com Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Pres: J. Bruce Loftin Cash and Due from:.................................... 20,796 Federal Funds and Repos: ........................... 3,750 Investments: ............................................... 59,527 Net Loans: ................................................ 135,892 Premises and Fixed Assets:.......................... 3,509 Other Real Estate: ...................................... 15,442 Other Assets: ................................................ 5,892 Total Assets: ............................................. 244,808 Total Trust Assets: ............................................... 0 Deposits: .................................................. 218,874 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 961 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 219,835 Total Equity Capital: .................................... 24,973 Total Liabilities and Capital: ...................... 244,808 Number of Shares Outstanding: .................. 16,000 Directors: Robert S. Bailey, Jr.; Neil Bennett, Jr.; Richard Bransford; David R. Estes; William Fletcher, Jr.; Charles E. Knox; J. Bruce Loftin; J. Walls McCrary; Robert Dale Miller; Daina B. Newcomb; Alan (Chuck) Sharp; Marvin D. Thaxton, Jr. Branches in Town: One Other Branches: Carlisle, Fayetteville, Gurdon, Heber Springs Ninety-Ninth Report 61 Farmers Bank and Trust Company Magnolia, AR VOICE: (870) 235-7000 FAX: (870) 235-7039 Trust Powers: Yes 200 East Main Street 71753 Charter Number: 217 Date: September 26, 1906 FDIC Certificate Number: 1291 Home Page: www.fbtarkansas.com Member of Federal Reserve System Bank Holding Company Magnolia Banking Corporation, Magnolia, AR Chm/CEO: Bob L. Burns CFO: Drew Chandler Pres/CLO: Steve Keith TO: Todd Smith Cash and Due from: .................................... 13,142 Federal Funds and Repos: ............................ 7,474 Investments: .............................................. 137,647 Net Loans:................................................. 561,497 Premises and Fixed Assets: ........................ 11,938 Other Real Estate: ......................................... 4,474 Other Assets: .............................................. 29,199 Total Assets: ............................................. 765,371 Total Trust Assets: .................................... 120,578 Deposits: ................................................... 671,296 Federal Funds and Borrowings: .....................1,493 Other Liabilities:.............................................6,839 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 679,628 Total Equity Capital: ....................................85,743 Total Liabilities and Capital: ....................... 765,371 Number of Shares Outstanding: ................ 100,000 Directors: John E. Alexander, Jr.; Ronny J. Bell; Bob L. Burns; Dr. Jason Franks; Steve Keith; Bruce D. Maloch; Ken Sibley; T. E. Smith Branches in Town: Three Other Branches: Benton, Camden (4), Malvern (2), Taylor, Texarkana[TX] The Peoples Bank Magnolia, AR VOICE: (870) 234-5777 FAX: (870) 234-3384 Trust Powers: Yes 500 North Jackson 71753-0340 Charter Number: 313 Date: June 22, 1910 FDIC Certificate Number: 12531 Home Page: www.peoplesbankmagnolia.com Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm: S. Clark Fincher EVP/COO: Jill McClinton CEO/Pres: Mary L. Fowler CFO: Jonathan Baird Cash and Due from: .................................... 33,321 Federal Funds and Repos: .................................. 0 Investments: ................................................ 31,667 Net Loans:................................................... 55,292 Premises and Fixed Assets: .......................... 1,853 Other Real Estate: ............................................... 0 Other Assets: ................................................ 2,324 Total Assets: ............................................. 124,457 Total Trust Assets: .............................................. 0 Deposits: .....................................................83,199 Federal Funds and Borrowings: ...................28,347 Other Liabilities:............................................... 427 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 111,973 Total Equity Capital: ....................................12,484 Total Liabilities and Capital: ....................... 124,457 Number of Shares Outstanding: ..................10,000 Directors: Jonathan Baird; Clark Fincher; Dorothy J. Fincher; Mary L. Fowler; Betty Harris; Jill McClinton; J. David Scott; Laura Scott; Jamie Waller Branches in Town: One Other Branches: Waldo Arkansas State Bank Department 62 First Community Bank of Eastern Arkansas Marion, AR VOICE: (870) 739-7300 FAX: (870) 739-2234 Trust Powers: Yes 205 Block Street 72364-0747 Charter Number: 775 Date: October 8, 1998 FDIC Certificate Number: 34887 Home Page: www.firstcommunitybank.us Member of Federal Reserve System Bank Holding Company FCB Financial Services, Inc., Marion, AR Chm: Michael D. East EVP: Brenda Eldridge CEO/Pres: Donny Underwood EVP: Jack Nall Cash and Due from:...................................... 9,083 Federal Funds and Repos: ........................... 9,700 Investments: ............................................... 14,053 Net Loans: .................................................. 91,521 Premises and Fixed Assets:.......................... 4,529 Other Real Estate: ........................................ 1,204 Other Assets: ................................................ 3,450 Total Assets: ............................................. 133,540 Total Trust Assets: ............................................... 0 Deposits: .................................................. 117,732 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 532 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 118,264 Total Equity Capital: .................................... 15,276 Total Liabilities and Capital: ...................... 133,540 Number of Shares Outstanding: .................. 60,000 Directors: Michael D. East; Frank A. Fogleman; Julian Hardin; Allen B. Helms, Jr.; Mark A. Pirani; James A. Ross; Samuel H. Stuckey, Jr.; William Bart Turner; Donny Underwood; David S. Wallace; Charles L. Williams, Jr. Branches in Town: None Other Branches: West Memphis First Delta Bank Marked Tree, AR VOICE: (870) 358-6000 FAX: (870) 358-6001 Trust Powers: No Chm: Charles Luter 214 Hester Parker Drive 72365-0635 Charter Number: 704 Date: October 31, 1951 FDIC Certificate Number: 17047 Home Page: www.firstdeltabank.com Member of Federal Reserve System Bank Holding Company Tyronza Bancshares, Inc., Marked Tree, AR CEO/Pres: Chris M. Lehman Cash and Due from:...................................... 5,668 Federal Funds and Repos: .................................. 0 Investments: ............................................... 36,717 Net Loans: .................................................. 21,863 Premises and Fixed Assets:............................. 559 Other Real Estate: ............................................. 60 Other Assets: ................................................ 1,228 Total Assets: ............................................... 66,095 Total Trust Assets: ............................................... 0 Deposits: .................................................... 55,015 Federal Funds and Borrowings: .................... 6,250 Other Liabilities: ................................................. 65 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 61,330 Total Equity Capital: ...................................... 4,765 Total Liabilities and Capital: ........................ 66,095 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 Ninety-Ninth Report 63 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 Home Page: www.bofmc.com Member of Federal Reserve System Bank Holding Company M. D. Thompson & Son Co., McCrory, AR CEO: Vance Thompson, III VP/Sec: Betty K. Thompson Pres: Tim St. Clair Cash and Due from: ...................................... 1,296 Federal Funds and Repos: .......................... 17,000 Investments: ................................................ 35,139 Net Loans:................................................... 28,748 Premises and Fixed Assets: .............................540 Other Real Estate: ............................................481 Other Assets: ...................................................943 Total Assets: ............................................... 84,147 Total Trust Assets: .............................................. 0 Deposits: .....................................................75,707 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 170 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................75,877 Total Equity Capital: ......................................8,270 Total Liabilities and Capital: .........................84,147 Number of Shares Outstanding: ..................20,000 Directors: Bari Cain; John D. Eldridge, III; Fletcher C. Lewis; Alan Morris; Arthur Oliver; Elden Jan Thompson; John G. Thompson; Vance M. Thompson, III Branches in Town: None Other Branches: None McGehee Bank McGehee, AR VOICE: (870) 222-3151 FAX: (870) 222-6159 Trust Powers: Yes 301 North Second Street 71654-0787 Charter Number: 661 Date: December 5, 1933 FDIC Certificate Number: 11242 Home Page: www.mcgeheebank.com Bank Holding Company Southeast Financial Bankstock Corporation, McGehee, AR Chm/CEO: William W. Bowman Pres/TO: James M. Smith VChm: John H. Potter, Jr. VP/Cash: Stephen Wilson Cash and Due from: .................................... 16,004 Federal Funds and Repos: ............................ 2,000 Investments: ................................................ 18,097 Net Loans:................................................... 72,465 Premises and Fixed Assets: .............................586 Other Real Estate: ............................................... 0 Other Assets: ................................................ 3,160 Total Assets: ............................................. 112,312 Total Trust Assets: ...................................... 74,507 Deposits: .....................................................94,318 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 778 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................95,096 Total Equity Capital: ....................................17,216 Total Liabilities and Capital: ....................... 112,312 Number of Shares Outstanding: ..................80,000 Directors: Lee Bowman; William W. Bowman; Bill E. Elliott; David S. Leech; Jeff Owyoung; John H. Potter, Jr.; James M. Smith; James N. Smith Branches in Town: One Other Branches: Arkansas City, Tillar, Watson Arkansas State Bank Department 64 The Union Bank of Mena Mena, AR VOICE: (479) 394-2211 FAX: (479) 394-8901 Trust Powers: No 303 Hwy. 71 North 71953-0898 Charter Number: 667 Date: July 25, 1934 FDIC Certificate Number: 14597 Home Page: www.unionbankofmena.com Member of Federal Reserve System Bank Holding Company Union Bankshares, Inc., Mena, AR Chm: Edward W. Stevenson EVP/CFO: Michael Myers CEO/Pres: Philip B. Hensley SVP: Kevin Williams Cash and Due from:.................................... 28,811 Federal Funds and Repos: .................................. 0 Investments: ............................................... 10,195 Net Loans: ................................................ 142,100 Premises and Fixed Assets:.......................... 3,869 Other Real Estate: ........................................... 142 Other Assets: ................................................ 3,224 Total Assets: ............................................. 188,341 Total Trust Assets: ............................................... 0 Deposits: .................................................. 164,698 Federal Funds and Borrowings: .................... 2,055 Other Liabilities: ............................................ 2,182 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 168,935 Total Equity Capital: .................................... 19,406 Total Liabilities and Capital: ...................... 188,341 Number of Shares Outstanding: .................. 12,000 Directors: J. Richard Carver; Robert A. Carver; John A. Crawford; Philip B. Hensley; David Maddox; John Maddox; Pauline Morrow; Michael Myers; P. T. Plunkett; Edward W. Stevenson; Phillip Stevenson; Bill L. Wood Branches in Town: None Other Branches: Hatfield, Wickes Commercial Bank & Trust Company Monticello, AR VOICE: (870) 367-6221 FAX: (870) 367-7700 Trust Powers: Yes 212 West Gaines Street 71655 Charter Number: 396 Date: November 29, 1912 FDIC Certificate Number: 90 Home Page: www.commercial-bank.net Bank Holding Company Drew Bancshares, Inc., Monticello, AR Chm: Bennie F. Ryburn, Jr. Pres/CFO/COO: George T. Harris VChm: Bennie Ryburn, III SVP/TO: Rusty Smith Cash and Due from:...................................... 5,740 Federal Funds and Repos: .................................. 0 Investments: ............................................... 71,057 Net Loans: .................................................. 98,212 Premises and Fixed Assets:.......................... 1,572 Other Real Estate: ........................................ 1,081 Other Assets: ................................................ 5,593 Total Assets: ............................................. 183,255 Total Trust Assets: ............................................. 13 Deposits: .................................................. 157,253 Federal Funds and Borrowings: .................. 10,000 Other Liabilities: ............................................... 585 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 167,838 Total Equity Capital: .................................... 15,417 Total Liabilities and Capital: ...................... 183,255 Number of Shares Outstanding: .................... 8,000 Directors: Joe Brannen; C. C. Gibson, III; George T. Harris; R. D. Jones, Jr.; Wayne L. Owen, Jr.; Bennie Ryburn, III; Bennie F. Ryburn, Jr.; Kim Ward Branches in Town: Four Other Branches: None Ninety-Ninth Report 65 Union Bank And Trust Company Monticello, AR VOICE: (870) 460-6400 FAX: (870) 460-6464 Trust Powers: Yes 102 West McCloy 71657-0270 Charter Number: 448 Date: September 15, 1915 FDIC Certificate Number: 1753 Home Page: www.unionbnk.com Bank Holding Company First Union Financial Corporation, Monticello, AR Chm/CEO: Zach McClendon, Jr. EVP/Cash: Reathel Privett Pres: Dave Dickson TO: Gail Hooker Cash and Due from: .................................... 22,219 Federal Funds and Repos: ............................ 5,000 Investments: ................................................ 51,667 Net Loans:................................................. 115,705 Premises and Fixed Assets: .......................... 4,042 Other Real Estate: ............................................326 Other Assets: ................................................ 7,918 Total Assets: ............................................. 206,877 Total Trust Assets: ...................................... 39,538 Deposits: ................................................... 177,385 Federal Funds and Borrowings: .....................8,766 Other Liabilities:.............................................1,177 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 187,328 Total Equity Capital: ....................................19,549 Total Liabilities and Capital: ....................... 206,877 Number of Shares Outstanding: ..................80,000 Directors: Mike Akin; Ted Carmical; Charles F. Dearman, Jr.; Dave Dickson; Tommy V. Maxwell; John S. McClendon; Robin McClendon; Zach McClendon, Jr.; Virgil Trotter Branches in Town: Two Other Branches: Warren Petit Jean State Bank Morrilton, AR VOICE: (501) 354-4988 FAX: (501) 354-6560 Trust Powers: No 707 North Saint Joseph Street Charter Number: 777 72110 Date: January 27, 1999 FDIC Certificate Number: 35084 Home Page: www.pjsb.com Member of Federal Reserve System Bank Holding Company Petit Jean Bancshares, Inc., Morrilton, AR Chm/Pres: Charles S. Penick EVP: Suzanne Hartman EVP: Mike Dunaway Cash and Due from: .................................... 16,503 Federal Funds and Repos: ...............................200 Investments: ................................................ 63,771 Net Loans:................................................... 71,059 Premises and Fixed Assets: .......................... 2,790 Other Real Estate: ..............................................64 Other Assets: ................................................ 4,917 Total Assets: ............................................. 159,304 Total Trust Assets: .............................................. 0 Deposits: ................................................... 135,669 Federal Funds and Borrowings: .....................5,255 Other Liabilities:............................................... 774 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 141,698 Total Equity Capital: ....................................17,606 Total Liabilities and Capital: ....................... 159,304 Number of Shares Outstanding: ..................50,000 Directors: Hall M. Calhoun, III; Katherine Foust; Todd Haynes; Michael D. Koone; Otto Lienhart, II; John Maus, III; Charles Ormond; Charles S. Penick; Larry Wayne Smith; Stanton C. Willis Branches in Town: One Other Branches: None 66 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: Randy Ford SVP: Mary Burkhart SVP/Cash: Dianna J. Millsap Cash and Due from:.................................... 24,539 Federal Funds and Repos: .............................. 125 Investments: ................................................. 7,697 Net Loans: .................................................. 98,221 Premises and Fixed Assets:.......................... 4,975 Other Real Estate: ........................................ 9,631 Other Assets: ................................................ 4,457 Total Assets: ............................................. 149,645 Total Trust Assets: ............................................... 0 Deposits: .................................................. 124,585 Federal Funds and Borrowings: .................. 12,000 Other Liabilities: ............................................... 235 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 136,820 Total Equity Capital: .................................... 12,825 Total Liabilities and Capital: ...................... 149,645 Number of Shares Outstanding: .................... 4,000 Directors: Tom Gibbons; Alex Golden; Randall L. Hollis, Sr.; Royce D. Jones; L. Jan Nordin Branches in Town: One Other Branches: Alma, Little Rock (4), Mansfield, Ozark, Van Buren Diamond Bank Murfreesboro, AR VOICE: (870) 285-2172 FAX: (870) 356-2858 Trust Powers: No 319 East Main 71958 Charter Number: 175 Date: December 19, 1904 FDIC Certificate Number: 1527 Home Page: www.diamondbanking.com Bank Holding Company Bainum Bancorp, Glenwood, AR Chm/CEO: Tim Bainum Pres: Ken "Mac" McClanahan Cash and Due from:.................................... 14,363 Federal Funds and Repos: .................................. 0 Investments: ............................................. 128,365 Net Loans: ................................................ 254,260 Premises and Fixed Assets:.......................... 8,025 Other Real Estate: ........................................ 1,203 Other Assets: .............................................. 11,637 Total Assets: ............................................. 417,853 Total Trust Assets: ............................................... 0 Deposits: .................................................. 354,851 Federal Funds and Borrowings: .................. 18,186 Other Liabilities: ............................................ 1,617 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 374,654 Total Equity Capital: .................................... 43,199 Total Liabilities and Capital: ...................... 417,853 Number of Shares Outstanding: ................ 172,000 Directors: Evea Bainum; Tim Bainum; Tim Brotherton; Richard Cox; Robert Evans; John Hearnsberger; Ken "Mac" McClanahan; Larry Mitchell; Mike Moore; Harold A. Smith; George E. Steel, Jr. Branches in Town: None Other Branches: DeQueen, Dierks, Glenwood, Hope, Hot Springs (3), Mena, Mineral Springs, Mount Ida, Nashville (2) Ninety-Ninth Report 67 Merchants & Planters Bank Newport, AR VOICE: (870) 523-3601 FAX: (870) 523-3473 Trust Powers: Yes 120 Hazel 72112-0650 Charter Number: 694 Date: March 20, 1946 FDIC Certificate Number: 16464 Home Page: www.mandpbank.com Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/TO: Jim S. Gowen, Sr. SVP/CLO: Carla P. Stiger CEO/Pres: Jim S. Gowen, Jr. SVP/Cash: Patricia Davis Cash and Due from: .................................... 11,662 Federal Funds and Repos: .................................. 0 Investments: ................................................ 89,495 Net Loans:................................................. 120,994 Premises and Fixed Assets: .......................... 5,521 Other Real Estate: ............................................698 Other Assets: ................................................ 9,530 Total Assets: ............................................. 237,900 Total Trust Assets: ...................................... 59,453 Deposits: ................................................... 214,429 Federal Funds and Borrowings: .....................4,382 Other Liabilities:.............................................1,638 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 220,449 Total Equity Capital: ....................................17,451 Total Liabilities and Capital: ....................... 237,900 Number of Shares Outstanding: ....................9,000 Directors: R. M. Bledsoe; Terry L. Dillon; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Mary K. Hardin-Stewart; Benjy Harris; Dr. Larry Williams Branches in Town: One Other Branches: Batesville (2), Des Arc, McCrory, Newark, Swifton, Tuckerman Delta Trust & Bank Parkdale, AR VOICE: (501) 907-2280 FAX: (501) 907-2299 Trust Powers: Yes 1853 Highway 165 South 71661-0037 Charter Number: 141 Date: February 1, 1910 FDIC Certificate Number: 92 Home Page: www.delta-trust.com Bank Holding Company Delta Trust & Banking Corporation, Little Rock, AR VChm/CEO: J. French Hill EVP/TO: Jim Shenep Pres: Chris Roberts COO: Carroll Penick Cash and Due from: .................................... 15,164 Federal Funds and Repos: ............................ 6,975 Investments: ................................................ 69,335 Net Loans:................................................. 310,252 Premises and Fixed Assets: .......................... 3,790 Other Real Estate: ......................................... 2,248 Other Assets: .............................................. 13,531 Total Assets: ............................................. 421,295 Total Trust Assets: .................................... 673,027 Deposits: ................................................... 368,540 Federal Funds and Borrowings: ...................11,739 Other Liabilities:.............................................1,471 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 381,750 Total Equity Capital: ....................................39,545 Total Liabilities and Capital: ....................... 421,295 Number of Shares Outstanding: ..................16,000 Directors: Jon Bierbaum; B. R. Brown; Mary L. Good; Dewayne Haynes; J. French Hill; Robert LaRoche; Michael Montgomery; George O'Connor; Carroll Penick; George L. Pugh, Sr.; Leyden Pugh; Chris Roberts; Jane W. Rogers; Morin M. Scott, Jr.; Neill Sloan; Philip Tappan Branches in Town: None Other Branches: Bella Vista, Eudora, Fayetteville, Hamburg, Little Rock (3), Wilmot 68 Arkansas State Bank Department Piggott State Bank Piggott, AR VOICE: (870) 598-3802 FAX: (870) 598-2026 Trust Powers: No 212 West Cherry 72454-0307 Charter Number: 613 Date: March 10, 1930 FDIC Certificate Number: 5628 Home Page: www.piggottstatebank.com Member of Federal Reserve System Bank Holding Company Piggott Bankstock, Inc., Piggott, AR Chm/CEO/Pres: Paula O. Blackwell VP/Cash: James C. Poole VP: Debra A. Mills Cash and Due from:.................................... 12,375 Federal Funds and Repos: .................................. 0 Investments: ............................................... 39,902 Net Loans: .................................................. 25,475 Premises and Fixed Assets:............................. 633 Other Real Estate: ............................................... 0 Other Assets: ................................................... 492 Total Assets: ............................................... 78,877 Total Trust Assets: ............................................... 0 Deposits: .................................................... 69,756 Federal Funds and Borrowings: ....................... 582 Other Liabilities: ............................................... 457 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 70,795 Total Equity Capital: ...................................... 8,082 Total Liabilities and Capital: ........................ 78,877 Number of Shares Outstanding: .................... 4,000 Directors: Steve Bell; Paula O. Blackwell; James C. Poole Branches in Town: One Other Branches: None Home Bank of Arkansas Portland, AR VOICE: (870) 737-2236 FAX: (870) 737-2816 Trust Powers: No 113 Hwy 165 South 71663-0178 Charter Number: 251 Date: January 22, 1908 FDIC Certificate Number: 5629 Home Page: www.homebankofar.com Bank Holding Company Peoples Home Holding, Inc., Greenbrier, AR Chm/CEO/Pres: John Stacks VP: Treva Branscum CFO/VP: Bill Hannah VP: Terry Milam Cash and Due from:...................................... 2,226 Federal Funds and Repos: ........................... 5,100 Investments: ................................................. 4,402 Net Loans: .................................................. 50,142 Premises and Fixed Assets:.......................... 2,449 Other Real Estate: ........................................ 2,757 Other Assets: ................................................... 980 Total Assets: ............................................... 68,056 Total Trust Assets: ............................................... 0 Deposits: .................................................... 60,423 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 235 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 60,658 Total Equity Capital: ...................................... 7,398 Total Liabilities and Capital: ........................ 68,056 Number of Shares Outstanding: .................... 4,000 Directors: Joe Benton, III; Jerold Brock; Bill Hannah; Terry Milam; Roy Montgomery; John Stacks Branches in Town: None Other Branches: Center Ridge, Damascus, Greenbrier, Little Rock, Marshall Ninety-Ninth Report 69 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: ...................................... 2,800 Federal Funds and Repos: ............................ 2,575 Investments: ................................................ 33,558 Net Loans:................................................... 35,513 Premises and Fixed Assets: .............................249 Other Real Estate: ............................................215 Other Assets: ................................................ 1,611 Total Assets: ............................................... 76,521 Total Trust Assets: .............................................. 0 Deposits: .....................................................63,468 Federal Funds and Borrowings: .....................3,224 Other Liabilities:................................................. 58 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................66,750 Total Equity Capital: ......................................9,771 Total Liabilities and Capital: .........................76,521 Number of Shares Outstanding: ..................24,000 Directors: John Warren Brannan, Sr.; John Warren Brannan, Jr.; W. Herman Brown; Brad Crain; Carl Dalrymple, Jr.; Jason Gutierrez; Billy Hines; Gary McCauley; Larry Rhodes; Robert Smith Branches in Town: None Other Branches: None The Bank of Rison Rison, AR VOICE: (870) 325-6251 FAX: (870) 325-7661 Trust Powers: No Chm: Lee Moore Pres: Don Walsh 200 Main Street 71665-0345 Charter Number: 650 Date: March 7, 1932 FDIC Certificate Number: 8730 Bank Holding Company None VP: Diane Fore Sec: Cliff Hopson Cash and Due from: ...................................... 8,088 Federal Funds and Repos: ............................ 2,700 Investments: .................................................. 3,531 Net Loans:..................................................... 9,511 Premises and Fixed Assets: .............................130 Other Real Estate: ............................................... 0 Other Assets: ...................................................292 Total Assets: ............................................... 24,252 Total Trust Assets: .............................................. 0 Deposits: .....................................................20,129 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 14 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................20,143 Total Equity Capital: ......................................4,109 Total Liabilities and Capital: .........................24,252 Number of Shares Outstanding: ....................4,000 Directors: Helen Hopson; Lee Moore; Donald A. Walsh; Frank Wilson Branches in Town: None Other Branches: None 70 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 CEO/Pres: Robert Y. Taylor CFO: Leslie Borgognoni Reg Pres: Chris Lampkin Cash and Due from:...................................... 5,340 Federal Funds and Repos: .............................. 100 Investments: ............................................... 22,471 Net Loans: .................................................. 80,895 Premises and Fixed Assets:.......................... 4,949 Other Real Estate: ........................................ 2,412 Other Assets: ................................................ 3,445 Total Assets: ............................................. 119,612 Total Trust Assets: ............................................... 0 Deposits: .................................................... 96,673 Federal Funds and Borrowings: .................... 8,542 Other Liabilities: ............................................... 243 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 105,458 Total Equity Capital: .................................... 14,154 Total Liabilities and Capital: ...................... 119,612 Number of Shares Outstanding: .................. 20,000 Directors: Chris Lampkin; Michael J. Necessary; Benton Newcome; Joel Newcome; Eddie Scherm; Robert Y. Taylor Branches in Town: None Other Branches: Crossett, Monticello (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 Chm/CEO: Wade Ruckle Pres: David Bordovsky Cash and Due from:......................................... 696 Federal Funds and Repos: ........................... 2,083 Investments: ............................................... 18,371 Net Loans: .................................................. 47,259 Premises and Fixed Assets:............................. 181 Other Real Estate: ...................................... 21,942 Other Assets: ................................................ 1,916 Total Assets: ............................................... 92,448 Total Trust Assets: ............................................... 0 Deposits: .................................................... 75,551 Federal Funds and Borrowings: .................... 5,905 Other Liabilities: ............................................... 411 Subordinated Debt: ....................................... 2,000 Total Liabilities: ........................................... 83,867 Total Equity Capital: ...................................... 8,581 Total Liabilities and Capital: ........................ 92,448 Number of Shares Outstanding: ................ 225,264 Directors: David Estes; Guy Fisher; Thomas Garrison; Clarence Guinn; Bruce Loftin; Wade Ruckle; Alan L. Sharp; Ralph Vernetti Branches in Town: None Other Branches: None Ninety-Ninth Report 71 Simmons First Bank of Northwest Arkansas Rogers, AR VOICE: (479) 246-0781 FAX: (479) 246-9354 Trust Powers: Yes 3975 West New Hope Road 72758 Charter Number: 672 Date: July 8, 1935 FDIC Certificate Number: 15233 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Dennis Ferguson SVP: C. Jeremy Woody SVP: Erica Preston VP/Cash: Darlene Cheatham Cash and Due from: .................................... 21,537 Federal Funds and Repos: .................................. 0 Investments: ................................................ 56,580 Net Loans:................................................. 129,255 Premises and Fixed Assets: ........................ 12,818 Other Real Estate: ....................................... 12,628 Other Assets: .............................................. 11,478 Total Assets: ............................................. 244,296 Total Trust Assets: .............................................. 0 Deposits: ................................................... 198,132 Federal Funds and Borrowings: .....................6,539 Other Liabilities:.............................................2,162 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 206,833 Total Equity Capital: ....................................37,463 Total Liabilities and Capital: ....................... 244,296 Number of Shares Outstanding: ..................18,000 Directors: David Bartlett; Dennis Ferguson; Charles Clark Irwin; Sonya Jones; Nick Nabholz; Jim Tull Branches in Town: One Other Branches: Bella Vista, Bentonville, Fayetteville, Lincoln, Prairie Grove, Siloam Springs, Springdale (2) First State Bank Russellville, AR VOICE: (479) 498-2400 FAX: (479) 498-2465 Trust Powers: No 3103 East Main 72802 Charter Number: 663 Date: January 12, 1934 FDIC Certificate Number: 13632 Home Page: www.fsbmybank.com Bank Holding Company First State Banking Corporation, Russellville, AR Chm/CEO: Charles Blanchard EVP: Chip Blanchard Pres: Johnny K. Morgan EVP: Toni B. Laws Cash and Due from: .................................... 23,476 Federal Funds and Repos: .................................. 0 Investments: ................................................ 29,320 Net Loans:................................................. 126,465 Premises and Fixed Assets: .......................... 6,709 Other Real Estate: ............................................... 0 Other Assets: ................................................ 8,878 Total Assets: ............................................. 194,848 Total Trust Assets: .............................................. 0 Deposits: ................................................... 164,390 Federal Funds and Borrowings: .....................6,930 Other Liabilities:............................................... 809 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 172,129 Total Equity Capital: ....................................22,719 Total Liabilities and Capital: ....................... 194,848 Number of Shares Outstanding: ..................20,000 Directors: Patty Barker; James C. Biggers; Charles Blanchard; Charles B. "Chip" Blanchard; Terry Freeman; Maxie L. Mathis, III; Mike Miller; Johnny K. Morgan; C. Tim White; Charles Wilson; Phil Wright Branches in Town: Four Other Branches: Ola Arkansas State Bank Department 72 Simmons First Bank of Russellville Russellville, AR VOICE: (479) 967-8000 FAX: (479) 968-6491 Trust Powers: Yes 800 North Arkansas Avenue Charter Number: 192 72801 Date: September 29, 1905 FDIC Certificate Number: 13081 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO: Ronald B. Jackson Reg Pres: Denton Tumbleson Reg Pres: Scott Hill VP: Tonya Hurley Cash and Due from:.................................... 20,816 Federal Funds and Repos: .................................. 0 Investments: ............................................... 40,681 Net Loans: ................................................ 100,166 Premises and Fixed Assets:.......................... 3,908 Other Real Estate: ........................................... 577 Other Assets: .............................................. 22,204 Total Assets: ............................................. 188,352 Total Trust Assets: ............................................... 0 Deposits: .................................................. 149,728 Federal Funds and Borrowings: .................... 4,870 Other Liabilities: ............................................ 7,151 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 161,749 Total Equity Capital: .................................... 26,603 Total Liabilities and Capital: ...................... 188,352 Number of Shares Outstanding: .................... 1,500 Directors: Leon Anderson; Keith Cogswell; Trish Henry; Ronald B. Jackson; Ike Allen Laws, III; Harve Taylor Branches in Town: Two Other Branches: Clarksville (2) Bank of Salem Salem, AR VOICE: (870) 895-2591 FAX: (870) 895-3825 Trust Powers: No 207 West Church Street 72576-0338 Charter Number: 266 Date: December 9, 1908 FDIC Certificate Number: 11243 Home Page: www.bksalem.net Member of Federal Reserve System Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm/CEO/Pres: Mark Montgomery SVP: Mike Falco Cash and Due from:...................................... 8,315 Federal Funds and Repos: ........................... 2,676 Investments: ................................................. 2,464 Net Loans: ................................................ 103,773 Premises and Fixed Assets:.......................... 1,731 Other Real Estate: ........................................ 1,198 Other Assets: ................................................ 7,731 Total Assets: ............................................. 127,888 Total Trust Assets: ............................................... 0 Deposits: .................................................. 108,022 Federal Funds and Borrowings: .................... 3,022 Other Liabilities: ............................................ 1,495 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 112,539 Total Equity Capital: .................................... 15,349 Total Liabilities and Capital: ...................... 127,888 Number of Shares Outstanding: .................. 20,000 Directors: D. Karrol Fowlkes; Mark Montgomery; C. Dwayne Plumlee; James "Jim" Short; Guy R. "Buck" Smith; John Ed Welch Branches in Town: None Other Branches: Mammoth Spring, Viola Ninety-Ninth Report 73 Logan County Bank Scranton, AR VOICE: (479) 938-2511 FAX: (479) 938-7084 Trust Powers: No Chm: Joe Fritsche CEO/Pres: Gary Fritsche 600 Main Street 72863-0085 Charter Number: 578 Date: April 7, 1926 FDIC Certificate Number: 5632 Bank Holding Company None VP: Jerry L. Davis Cash: Don Fritsche Cash and Due from: ...................................... 2,595 Federal Funds and Repos: ...............................950 Investments: ................................................ 47,317 Net Loans:................................................... 22,272 Premises and Fixed Assets: .............................425 Other Real Estate: ..............................................57 Other Assets: ................................................ 1,018 Total Assets: ............................................... 74,634 Total Trust Assets: .............................................. 0 Deposits: .....................................................61,409 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 151 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................61,560 Total Equity Capital: ....................................13,074 Total Liabilities and Capital: .........................74,634 Number of Shares Outstanding: ....................4,000 Directors: Eddie Ahne; Don Fritsche; Gary Fritsche; Joe Fritsche; Mildred Fritsche; Ronnie Layes Branches in Town: None Other Branches: Subiaco First Security Bank Searcy, AR VOICE: (501) 279-3400 FAX: (501) 279-3486 Trust Powers: Yes 314 North Spring 72145-1009 Charter Number: 649 Date: February 6, 1932 FDIC Certificate Number: 5633 Home Page: www.fsbank.com Bank Holding Company First Security Bancorp, Searcy, AR Chm/CEO: Reynie Rutledge EVP: J. Mark Ferguson Pres: Michael C. Hutsell TO: Frank Faust Cash and Due from: .................................. 117,329 Federal Funds and Repos: .......................... 36,675 Investments: ........................................... 2,258,745 Net Loans:.............................................. 1,641,000 Premises and Fixed Assets: ........................ 90,909 Other Real Estate: ....................................... 25,906 Other Assets: .............................................. 86,305 Total Assets: .......................................... 4,256,869 Total Trust Assets: .................................... 639,810 Deposits: ................................................ 3,333,754 Federal Funds and Borrowings: ................. 397,689 Other Liabilities:.............................................7,114 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 3,738,557 Total Equity Capital: .................................. 518,312 Total Liabilities and Capital: .................... 4,256,869 Number of Shares Outstanding: ..................24,000 Directors: Dr. David Burks; J. Mark Ferguson; Michael C. Hutsell; Steve Lightle; John McKnight; Wayne Ridout; Dr. Porter R. Rodgers, Jr.; Reynie Rutledge; William Scholl; Jim Tarkington; James G. Wilson Branches in Town: Three Other Branches: Beebe (3), Benton (3), Bentonville (2), Bryant (3), Bull Shoals, Cabot (3), Clarksville (4), Clinton, Coal Hill, Conway (6), Fayetteville (5), Gassville, Greenbrier, Griffithville, Heber Springs (2), Jonesboro (2), Judsonia, Little Rock (6), Lowell, Maumelle, Mayflower, McRae, Mountain Home (4), Mountain View, North Little Rock (2), Pangburn, Rogers (3), Springdale (5), Vilonia 74 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 72143 Charter Number: 528 Date: February 17, 1922 FDIC Certificate Number: 12696 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Brooks Davis VP: Kelley Burton SVP: Matt Boyd Cash and Due from:.................................... 21,449 Federal Funds and Repos: .................................. 0 Investments: ............................................... 24,858 Net Loans: .................................................. 96,468 Premises and Fixed Assets:.......................... 3,850 Other Real Estate: ............................................. 68 Other Assets: ................................................ 8,781 Total Assets: ............................................. 155,474 Total Trust Assets: ............................................... 0 Deposits: .................................................. 124,514 Federal Funds and Borrowings: .................. 13,422 Other Liabilities: ............................................ 2,276 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 140,212 Total Equity Capital: .................................... 15,262 Total Liabilities and Capital: ...................... 155,474 Number of Shares Outstanding: .................. 10,000 Directors: David Bartlett; Richard Cargile; Brooks Davis; Dennis Donovan; Joseph Giezeman; David E. Johnston; Robert Underwood Branches in Town: Two Other Branches: Beebe Peoples Bank Sheridan, AR VOICE: (870) 942-5707 FAX: (870) 942-2489 Trust Powers: No 1120 S. Rock Street 72150 Charter Number: 786 Date: September 11, 2000 FDIC Certificate Number: 57058 Home Page: www.peoplesbankar.com Member of Federal Reserve System Bank Holding Company None CEO/Pres: John D. Manatt SVP: G. Jannette Jones EVP: Craig L. Manatt Cash and Due from:...................................... 5,951 Federal Funds and Repos: .................................. 0 Investments: ............................................... 44,577 Net Loans: .................................................. 54,902 Premises and Fixed Assets:.......................... 2,511 Other Real Estate: ............................................... 0 Other Assets: ................................................ 2,483 Total Assets: ............................................. 110,424 Total Trust Assets: ............................................... 0 Deposits: .................................................... 94,444 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 193 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 94,637 Total Equity Capital: .................................... 15,787 Total Liabilities and Capital: ...................... 110,424 Number of Shares Outstanding: .................. 56,562 Directors: Dannie L. Brown; Donald L. Hedden; Gary D. Hines; Bobby G. Jeffrey; James W. Lancaster; Craig L. Manatt; John D. Manatt; Mary Mel Nixon; Shelby L. Taylor; Alvin L. Upton; David L. Wells; W. A. Winston Branches in Town: None Other Branches: Little Rock Ninety-Ninth Report 75 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 Cash and Due from: ...................................... 6,292 Federal Funds and Repos: ............................ 6,450 Investments: .............................................. 102,880 Net Loans:................................................... 69,158 Premises and Fixed Assets: .......................... 2,392 Other Real Estate: ..............................................87 Other Assets: ................................................ 1,112 Total Assets: ............................................. 188,371 Total Trust Assets: .............................................. 0 Deposits: ................................................... 167,903 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 330 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 168,233 Total Equity Capital: ....................................20,138 Total Liabilities and Capital: ....................... 188,371 Number of Shares Outstanding: ................ 100,000 Directors: Dr. Richard Davis; Gary deYampert; Frances E. Tennyson; J. Drew Tennyson; Bob Willett; James B. Yeager Branches in Town: None Other Branches: El Dorado (2), Norphlet Riverside Bank Sparkman, AR VOICE: (870) 678-2251 FAX: (870) 678-2401 Trust Powers: No Commerce & Main Streets 71763-0127 Charter Number: 457 Date: September 19, 1916 FDIC Certificate Number: 93 Home Page: www.riversidebanc.com Bank Holding Company Riverside Bancshares, Inc., Little Rock, AR CEO/VChm: Stephen C. Davis Pres: Robert G. Dudley, Jr. Cash and Due from: .........................................844 Federal Funds and Repos: .................................. 0 Investments: .....................................................779 Net Loans:................................................... 51,236 Premises and Fixed Assets: .......................... 2,631 Other Real Estate: ............................................107 Other Assets: ................................................ 1,561 Total Assets: ............................................... 57,158 Total Trust Assets: .............................................. 0 Deposits: .....................................................50,531 Federal Funds and Borrowings: .....................1,200 Other Liabilities:............................................... 112 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................51,843 Total Equity Capital: ......................................5,315 Total Liabilities and Capital: .........................57,158 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 76 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:...................................... 6,048 Federal Funds and Repos: .............................. 675 Investments: ............................................... 41,712 Net Loans: .................................................. 24,796 Premises and Fixed Assets:............................... 83 Other Real Estate: ............................................... 0 Other Assets: ................................................... 626 Total Assets: ............................................... 73,940 Total Trust Assets: ............................................... 0 Deposits: .................................................... 66,688 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 147 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 66,835 Total Equity Capital: ...................................... 7,105 Total Liabilities and Capital: ........................ 73,940 Number of Shares Outstanding: .................. 10,000 Directors: Charles L. Cabe, Jr.; D. Copie Dickson; Scott Hultberg; Billie Nipper; J. Paul Nipper; Danny K. Smith; John W. Smith, Jr. Branches in Town: None Other Branches: None Bank of Star City Star City, AR VOICE: (870) 628-4286 FAX: (870) 628-5274 Trust Powers: No 116 North Lincoln 71667-0069 Charter Number: 567 Date: April 27, 1925 FDIC Certificate Number: 5634 Home Page: www.bankofstarcity.com Member of Federal Reserve System Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Bennie F. Ryburn, Jr. Pres: R. Mark Owen Cash and Due from:...................................... 1,997 Federal Funds and Repos: .................................. 0 Investments: ............................................... 33,878 Net Loans: .................................................. 57,275 Premises and Fixed Assets:.......................... 3,214 Other Real Estate: ........................................... 547 Other Assets: ................................................ 1,429 Total Assets: ............................................... 98,340 Total Trust Assets: ............................................... 0 Deposits: .................................................... 79,525 Federal Funds and Borrowings: .................... 6,156 Other Liabilities: ............................................... 151 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 85,832 Total Equity Capital: .................................... 12,508 Total Liabilities and Capital: ........................ 98,340 Number of Shares Outstanding: .................. 15,000 Directors: Keith D. Griffin; Wayne Keahey; Tommy L. Lively; R. Mark Owen; Bennie F. Ryburn, Jr.; Marion Ryburn; Kevin White Branches in Town: None Other Branches: Dumas, Pine Bluff (2), White Hall Ninety-Ninth Report 77 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 Home Page: www.secbnk.com Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm: Carol Reaves EVP: Duncan Grayson CEO/Pres: Guy R. "Buck" Smith EVP/CFO/COO: Cheryl Brown Cash and Due from: ...................................... 3,880 Federal Funds and Repos: ...............................150 Investments: .................................................. 9,463 Net Loans:................................................... 37,861 Premises and Fixed Assets: .......................... 1,747 Other Real Estate: ............................................171 Other Assets: ................................................ 2,465 Total Assets: ............................................... 55,737 Total Trust Assets: .............................................. 0 Deposits: .....................................................50,703 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................1,176 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................51,879 Total Equity Capital: ......................................3,858 Total Liabilities and Capital: .........................55,737 Number of Shares Outstanding: ..................11,000 Directors: Duncan Grayson; Carol Reaves; Guy R. "Buck" Smith; Jay C. Wilson Branches in Town: None Other Branches: None The Farmers and Merchants Bank Stuttgart, AR VOICE: (870) 673-6911 FAX: (870) 672-4282 Trust Powers: Yes 708 S. Main Street 72160-1016 Charter Number: 687 Date: December 29, 1944 FDIC Certificate Number: 16216 Home Page: www.mebanking.com Member of Federal Reserve System Bank Holding Company The Farmers and Merchants Bankshares, Inc., Stuttgart, AR Chm: Roy O. McCollum, III CEO/Pres: Gary Hudson Cash and Due from: .................................... 11,949 Federal Funds and Repos: .................................10 Investments: .............................................. 216,704 Net Loans:................................................. 377,442 Premises and Fixed Assets: .......................... 5,785 Other Real Estate: ......................................... 8,750 Other Assets: .............................................. 48,678 Total Assets: ............................................. 669,318 Total Trust Assets: ...................................... 67,682 Deposits: ................................................... 496,411 Federal Funds and Borrowings: ...................85,145 Other Liabilities:.............................................4,438 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 585,994 Total Equity Capital: ....................................83,324 Total Liabilities and Capital: ....................... 669,318 Number of Shares Outstanding: ................ 100,000 Directors: Gerald Carter; Greg Connell; Gary Hudson; Roy O. McCollum, III; Don Pattillo; Mickey Pierce; Robert H. Pond; Robert Seidenstricker; Patricia M. Townsend; Ray Vester Branches in Town: Four Other Branches: Bigelow, Des Arc, DeValls Bluff, DeWitt, Hazen, Marianna, Moro, Morrilton, Perryville Arkansas State Bank Department 78 Citizens Bank & Trust Company Van Buren, AR VOICE: (479) 474-1201 FAX: (479) 410-1340 Trust Powers: Yes 3110 Alma Hwy. 72956-0469 Charter Number: 328 Date: December 20, 1910 FDIC Certificate Number: 8738 Home Page: www.cbankandtrust.com Member of Federal Reserve System Bank Holding Company First Bank Corp., Fort Smith, AR CEO/Pres: D. Keith Hefner SVP: Joe Dan Stewart EVP: Lance L. Lanier TO: Cindy Winborn Cash and Due from:...................................... 8,559 Federal Funds and Repos: .................................. 0 Investments: ............................................. 112,410 Net Loans: ................................................ 217,937 Premises and Fixed Assets:.......................... 4,373 Other Real Estate: ........................................ 2,356 Other Assets: .............................................. 10,920 Total Assets: ............................................. 356,555 Total Trust Assets: ...................................... 16,965 Deposits: .................................................. 310,463 Federal Funds and Borrowings: .................... 4,709 Other Liabilities: ............................................ 1,917 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 317,089 Total Equity Capital: .................................... 39,466 Total Liabilities and Capital: ...................... 356,555 Number of Shares Outstanding: .................. 16,000 Directors: Jimmy G. Bell; Warren D. Blaylock; Mont S. Echols, Jr.; Morril H. Harriman; D. Keith Hefner; L. Scott McBrayer; Brett D. Peters; Paul D. Shirley; William W. Thomas; James G. Williamson, Jr. Branches in Town: Three Other Branches: Alma, Mountainburg First Community Bank of Crawford County Van Buren, AR VOICE: (479) 262-2900 FAX: (479) 262-2980 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 Hodges VP: Russell A. McConnell Pres: Terry Q. Carson VP/Cash: Debbie Gipson Cash and Due from:...................................... 1,724 Federal Funds and Repos: ........................... 4,475 Investments: ................................................. 5,314 Net Loans: .................................................. 52,828 Premises and Fixed Assets:.......................... 4,003 Other Real Estate: ........................................ 3,072 Other Assets: ................................................ 2,440 Total Assets: ............................................... 73,856 Total Trust Assets: ............................................... 0 Deposits: .................................................... 65,423 Federal Funds and Borrowings: .................... 3,913 Other Liabilities: ............................................... 218 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 69,554 Total Equity Capital: ...................................... 4,302 Total Liabilities and Capital: ........................ 73,856 Number of Shares Outstanding: .................. 52,840 Directors: Terry Q. Carson; John Hall; Tim Hodges; Richard Hodo; Doug Reed; Clovis Satterfield Branches in Town: One Other Branches: Alma Ninety-Ninth Report 79 First State Bank of Warren Warren, AR VOICE: (870) 226-2601 FAX: (870) 226-2253 Trust Powers: Yes 104 S. Main Street 71671-0029 Charter Number: 739 Date: December 12, 1978 FDIC Certificate Number: 94 Home Page: www.firststatewarren.com Bank Holding Company Bradley Bancshares, Inc., Warren, AR Chm/CEO: Bennie Ryburn, Jr. Pres: Freddie M. Mobley VChm: Bennie Ryburn, III EVP/TO: Hugh Quimby Cash and Due from: ...................................... 8,299 Federal Funds and Repos: .................................. 0 Investments: ................................................ 45,277 Net Loans:................................................... 41,307 Premises and Fixed Assets: .......................... 1,179 Other Real Estate: ............................................... 0 Other Assets: ................................................ 3,116 Total Assets: ............................................... 99,178 Total Trust Assets: ........................................ 1,188 Deposits: .....................................................88,654 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 205 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................88,859 Total Equity Capital: ....................................10,319 Total Liabilities and Capital: .........................99,178 Number of Shares Outstanding: ..................59,000 Directors: Robert Garner; Roger George; Robert Green, Jr.; Freddie M. Mobley; Hugh A. Quimby; Bennie Ryburn, III; Bennie F. Ryburn, Jr.; Dr. Joe H. Wharton Branches in Town: One Other Branches: Hampton, Hermitage Warren Bank and Trust Company Warren, AR VOICE: (870) 226-2621 FAX: (870) 226-6261 Trust Powers: Yes 201 South Main 71671-0350 Charter Number: 80 Date: December 28, 1901 FDIC Certificate Number: 81 Home Page: www.warrenbanktrust.com Member of Federal Reserve System Bank Holding Company None Chm/Pres: John B. Frazer, Jr. SVP/Cash: Tracy Nichols SVP/CLO/COO: Kelly Ashcraft Cash and Due from: ...................................... 4,383 Federal Funds and Repos: ...............................675 Investments: ................................................ 83,184 Net Loans:................................................... 47,738 Premises and Fixed Assets: .............................754 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,283 Total Assets: ............................................. 138,017 Total Trust Assets: ...................................... 22,752 Deposits: ................................................... 110,832 Federal Funds and Borrowings: .....................7,228 Other Liabilities:............................................... 157 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 118,217 Total Equity Capital: ....................................19,800 Total Liabilities and Capital: ....................... 138,017 Number of Shares Outstanding: ..................48,000 Directors: Bruce Anderson; Dr. Donnie R. Bryant; Gerald Burton; Carlton E. Davis; John B. Frazer, Jr.; Dr. Rocky K. Lindsey; Jeffrey B. McGaha; Dr. Kerry F. Pennington Branches in Town: Two Other Branches: Hermitage 80 Arkansas State Bank Department Evolve Bank & Trust West Memphis, AR VOICE: (901) 624-5500 FAX: (901) 624-5540 Trust Powers: Yes 301 Shoppingway Boulevard 72301-1719 Charter Number: 568 Date: June 5, 1925 FDIC Certificate Number: 1299 Home Page: www.getevolved.com Member of Federal Reserve System Bank Holding Company Evolve Bancorp, Inc., West Memphis, AR Chm: Scot Lenoir EVP/COO: John Chandler CEO/Pres: Scott Stafford SVP: Jason Brown Cash and Due from:...................................... 8,042 Federal Funds and Repos: .................................. 0 Investments: ............................................... 22,215 Net Loans: ................................................ 207,964 Premises and Fixed Assets:.......................... 1,334 Other Real Estate: ........................................ 1,845 Other Assets: .............................................. 27,461 Total Assets: ............................................. 268,861 Total Trust Assets: .................................... 539,764 Deposits: .................................................. 209,701 Federal Funds and Borrowings: .................. 21,075 Other Liabilities: .......................................... 10,283 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 241,059 Total Equity Capital: .................................... 27,802 Total Liabilities and Capital: ...................... 268,861 Number of Shares Outstanding: .................. 68,286 Directors: Donald Clanton; Lewis Holland; Forrest N. Jenkins; Scot Lenoir; Lon Magness; John T. Pitts, Jr.; W. Scott Stafford; Stephen Valentine Branches in Town: None Other Branches: Brinkley, Memphis[TN], Parkin, Wynne Cross County Bank Wynne, AR VOICE: (870) 238-8171 FAX: (870) 238-4052 Trust Powers: Yes 1 Cross County Plaza 72396-0009 Charter Number: 25 Date: June 5, 1891 FDIC Certificate Number: 13821 Home Page: www.crosscountybank.com Member of Federal Reserve System Bank Holding Company Cross County Bancshares, Inc., Wynne, AR Chm: Dr. Willard G. Burks SVP/CFO: Beth Dildine CEO/Pres/TO: David Dowd SVP/CLO: Jack Runsick Cash and Due from:...................................... 9,702 Federal Funds and Repos: .................................. 0 Investments: ............................................... 25,966 Net Loans: ................................................ 129,646 Premises and Fixed Assets:.......................... 4,712 Other Real Estate: ........................................ 5,428 Other Assets: ................................................ 3,299 Total Assets: ............................................. 178,753 Total Trust Assets: ...................................... 10,050 Deposits: .................................................. 152,219 Federal Funds and Borrowings: .................... 4,102 Other Liabilities: ............................................... 155 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 156,476 Total Equity Capital: .................................... 22,277 Total Liabilities and Capital: ...................... 178,753 Number of Shares Outstanding: .................... 4,000 Directors: Dr. Willard G. Burks; Ronald R. Caldwell; Guy E. Fisher; Albert A. Hess; Pete L. Imboden, III; Kenneth L. Johnson, Jr.; R. Vance Lawson; Thomas W. Morgan, Jr.; Roger E. Pohlner; Donald L. Reddmann; R. Joe Rennicke 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, 2013 82 Arkansas State Bank Department Arkansas Capital Corporation Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Trust Powers: No Chm: Rush Deacon CEO: C. Sam Walls 200 River Market Avenue, Suite 400 72201-1766 Charter Number: 1006 Date: August 6, 1958 FDIC Certificate Number: Home Page: www.arcapital.com Bank Holding Company None Pres: Dennis Cooper EVP: Jay W. Wisener Cash and Due from:...................................... 5,834 Federal Funds and Repos: .................................. 0 Investments: ................................................. 6,642 Net Loans: .................................................. 35,245 Premises and Fixed Assets:.......................... 1,003 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,584 Total Assets: ............................................... 50,308 Total Trust Assets: ............................................... 0 Deposits: ............................................................. 0 Federal Funds and Borrowings: .................. 41,578 Other Liabilities: ............................................ 3,410 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 44,988 Total Equity Capital: ...................................... 5,320 Total Liabilities and Capital: ........................ 50,308 Number of Shares Outstanding: .................... 1,077 Directors: Orville E. Abrams; Tim Atkinson; Charles Cervantes; Brad Chambless; Dennis Cooper; Rush B. Deacon; Mac Dodson; Bill Holmes; Virgil L. Miller, Jr.; David H. Shindler; William T. Staed; Grant Tennille; C. Sam Walls Branches in Town: None Other Branches: Bentonville, Jonesboro REPORT OF TRUST COMPANIES (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2013 Arkansas State Bank Department 84 Centennial Trust Company Conway, AR VOICE: (501) 520-3660 FAX: (501) 520-3667 Population: 43,167 719 Harkrider, Suite 100 72032 Charter Number: 35000 Date: May. 22, 2001 County: Faulkner Pres: Randy Mayor Directors: Robert F. Birch, Jr.; Tracy M. French; Randy Mayor; C. Randall Sims Branches in Town: One Other Branches: El Dorado Community First Trust Company Hot Springs, AR VOICE: (501) 520-3660 FAX: (501) 520-3667 Population: 35,750 135 Section Line Road, C-1 71913 CEO/Pres: William L. Kerst, Jr. Charter Number: 35001 Date: Jun. 17, 1998 County: Garland CFO: Leslie Ballentine Directors: Charlotte Arnold, CPA; Robert J. Bruce; Mark Buhrow; Gerald A. Burgener; David French; William L. Kerst, Jr.; Ralph Woodruff Branches in Town: None Other Branches: El Dorado, Hot Springs Village, Little Rock, Russellville REPORT OF THE REGIONAL/COUNTY INDUSTRIAL DEVELOPMENT CORPORATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2013 Arkansas State Bank Department 86 Perry County Industrial Development Corporation Perryville, AR VOICE: (501) 889-2621 FAX: (501) 889-2966 Pres: Mark Roland VP: John C. Branscum P. O. Box 869 72126-0869 Charter Number: 30003 Date: Aug. 18, 1994 County: Perry Treas: Janice Moore REPORT OF THE CAPITAL DEVELOPMENT COMPANY (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2013 Arkansas State Bank Department 88 Commerce Capital Development Company, LLC Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Pres: Rush Deacon 200 Rivermarket Avenue, Suite 400 72201 Charter Number: 45001 Date: Aug. 28, 2003 County: Pulaski Sec: Sam Walls, III LIST OF COMMERCIAL BANKS BY COUNTY AND MAP OF ARKANSAS COUNTIES JUNE 30, 2013 Arkansas State Bank Department 90 COUNTY BANK CITY Arkansas Arkansas County Bank DeWitt Bank And Trust Company The Farmers and Merchants Bank Ashley First National Bank of Crossett First State Bank Farmers Bank Delta Trust & Bank Home Bank of Arkansas Baxter Integrity First Bank, National Association Benton Decatur State Bank Bank of Gravett Parkway Bank Pinnacle Bank Simmons First Bank of Northwest Arkansas Decatur Gravette Rogers Rogers Rogers Boone Community First Bank Harrison Bradley First State Bank of Warren Warren Bank and Trust Company Calhoun First Bank Carroll First National Bank of North Arkansas Cornerstone Bank The First National Bank in Green Forest Berryville Eureka Springs Green Forest Chicot The Eudora Bank The Bank of Lake Village Simmons First Bank of South Arkansas Eudora Lake Village Lake Village Clark Southern Bancorp Bank Summit Bank Arkadelphia Arkadelphia Clay Piggott State Bank Piggott Cleveland The Bank of Rison Rison Columbia Farmers Bank and Trust Company The Peoples Bank Magnolia Magnolia Conway Petit Jean State Bank Morrilton Craighead Heritage Bank, National Association Liberty Bank of Arkansas Simmons First Bank of Jonesboro DeWitt DeWitt Stuttgart Crossett Crossett Hamburg Parkdale Portland Mountain Home Warren Warren Hampton Jonesboro Jonesboro Jonesboro Ninety-Ninth Report 91 COUNTY BANK CITY Crawford Allied Bank Citizens Bank & Trust Company First Community Bank of Crawford County Crittenden First Community Bank of Eastern Arkansas Evolve Bank & Trust Fidelity National Bank Cross Cross County Bank The First National Bank of Wynne Dallas FBT Bank & Mortgage Riverside Bank Fordyce Sparkman Desha Merchants & Farmers Bank The First National Bank of McGehee McGehee Bank Dumas McGehee McGehee Drew Commercial Bank & Trust Company Union Bank And Trust Company Monticello Monticello Faulkner Centennial Bank First Service Bank Conway Greenbrier Fulton Bank of Salem Garland First National Bank Hot Springs Bank & Trust Company Simmons First Bank of Hot Springs Grant Peoples Bank Greene First National Bank Hot Spring The Malvern National Bank Independence The Citizens Bank First Community Bank Izard The First National Bank of Izard County Jackson Merchants & Planters Bank Jefferson Relyance Bank, National Association Simmons First National Bank Lafayette Community State Bank Bodcaw Bank Mulberry Van Buren Van Buren Marion West Memphis West Memphis Wynne Wynne Salem Hot Springs Hot Springs Hot Springs Sheridan Paragould Malvern Batesville Batesville Calico Rock Newport Pine Bluff Pine Bluff Bradley Stamps Arkansas State Bank Department 92 COUNTY BANK CITY Lawrence The First National Bank of Lawrence County Lincoln Bank of Star City Logan First Western Bank The First National Bank at Paris Logan County Bank Lonoke Bank of England First State Bank Madison First State Bank of Northwest Arkansas Marion Twin Lakes Community Bank Mississippi Farmers Bank And Trust Company Blytheville Monroe The Merchants and Planters Bank Clarendon Nevada Bank of Prescott Prescott Ouachita Bank of Bearden Security Bank Bearden Stephens Phillips Helena National Bank Pike Bank of Delight Diamond Bank Delight Murfreesboro Poinsett Little River Bank First Delta Bank Lepanto Marked Tree Polk The Union Bank of Mena Pope First State Bank Simmons First Bank of Russellville Pulaski First Arkansas Bank & Trust Bank of Little Rock Bank of the Ozarks The Capital Bank Central Bank Eagle Bank & Trust Company Metropolitan National Bank One Bank & Trust, National Association National Bank of Arkansas in North Little Rock Walnut Ridge Star City Booneville Paris Scranton England Lonoke Huntsville Flippin Helena Mena Russellville Russellville Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock North Little Rock Ninety-Ninth Report 93 COUNTY BANK CITY Saline Heartland Community Bank Sebastian The First National Bank of Fort Smith Farmers Bank Sevier First State Bank of DeQueen Horatio State Bank DeQueen Horatio Sharp First National Banking Company Bank of Cave City Ash Flat Cave City St. Francis First National Bank of Eastern Arkansas Forrest City Bank, National Association Stone Ozark Heritage Bank, National Association Union First Financial Bank Simmons First Bank of El Dorado Smackover State Bank El Dorado El Dorado Smackover Washington Arvest Bank The Bank of Fayetteville Signature Bank of Arkansas Legacy National Bank Fayetteville Fayetteville Fayetteville Springdale White Citizens State Bank First Security Bank Simmons First Bank of Searcy Woodruff The Bank of Augusta Bank of McCrory Yell Chambers Bank River Town Bank Bryant Fort Smith Greenwood Forrest City Forrest City Mountain View Bald Knob Searcy Searcy Augusta McCrory Danville Dardanelle 94 Arkansas State Bank Department MAP OF ARKANSAS COUNTIES ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2013 Arkansas State Bank Department 96 Southern Bancorp Inc. Arkadelphia, AR RSSD Number: 1248939 VOICE: (870) 246-3945 FAX: (870) 246-2182 605 Main, Suite 202 605 Main, Suite 202 71923-6037 Chm: Glen Jones CEO: Darrin Williams CFO: Robert Cern Subsidiaries: Southern Bancorp Bank Southern Development Capital Trust Southern Development Statutory Trust III Southern Development Statutory Trust IV Southern Property Corporation of the Delta Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Summit Bancorp, Inc. Arkadelphia, AR RSSD Number: 2618388 VOICE: (870) 246-8070 FAX: (870) 246-7122 409 Main Street P. O. Box 965 71923 Chm/CEO: Ross M. Whipple Pres/COO: Marcus J. McCain EVP/CFO: Brent Black EVP/CAO: John A. Bryant Subsidiaries: Summit Bank Arkadelphia, AR Summit Real Estate Investments, Inc. Arkadelphia, AR Citizens State Bankshares of Bald Knob, Inc. Bald Knob, AR RSSD Number: 1096822 VOICE: (501) 724-3241 FAX: (501) 724-5985 Chm/CEO/Pres: Larry E. Kircher Subsidiaries: Citizens State Bank Citizens State Investments, Inc. 306 South Elm Street P. O. Box 200 72010-0200 VChm/Sec: Molly H. Kircher Bald Knob, AR Bald Knob, AR Ninety-Ninth Report 97 Citizens Bancshares of Batesville, Inc. Batesville, AR RSSD Number: 1131077 VOICE: (870) 793-4441 FAX: (870) 698-6299 200 South Third Street P. O. Box 2156 72503-2156 CEO/Pres: John Dews EVP: Doug Lynch CFO: Karen Shaw Treas/Sec: Greg Shaver Subsidiaries: The Citizens Bank Citizens Bancshares (AR) Statutory Trust I Batesville, AR Batesville, AR First Community Bancshares, Inc. Batesville, AR RSSD Number: 2641694 VOICE: (870) 612-3400 FAX: (870) 612-3412 1325 Harrison Street P. O. Box 4327 72501-4327 Chm/CEO/Pres: Dale E. Cole EVP: Boris A. Dover CFO: Jason Taylor Sec: Dianne Lamberth Subsidiaries: First Community Bank Batesville Insurance Agency, Inc. First Community Real Estate, Inc. WR Holding Co., LLC Batesville, AR Batesville, AR Batesville, AR Batesville, AR Bearden Bancshares, Inc. Bearden, AR RSSD Number: 2993722 VOICE: (870) 687-2233 FAX: (870) 687-2474 Chm: Rick Green Subsidiaries: Bank of Bearden BBI Insurance Agency, Inc. #1 Second Street P. O. Box 135 71720-0135 Sec: Ken Riley Bearden, AR Bearden, AR 98 Arkansas State Bank Department Arvest Bank Group, Inc. Bentonville, AR RSSD Number: 1095674 VOICE: (479) 464-1500 FAX: (479) 464-1540 Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Holdings, Inc. Arvest Bank Arvest Bannister Realty Company Central Mortgage Company ABREHB, LLC Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. Arvest Mortgage Company RHV, LLC RHV2, LLC Security Bankcard Center, Inc. LODO Software First Place on the Creeks, LLC WACO Title Company Southwest Cattlemen's Corporation Superior Finance Company Superior Financial Statutory Trust II CFB Aviation, LLC Arvest Statutory Trust I AREH LLC 125 West Central #218 P.O. Box 1860 72712 Sec: Karla Payne Bentonville, AR Fayetteville, AR Kansas City, MO Little Rock, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Norman, OK Omaha, NE Rogers, AR Springdale, AR Tulsa, OK Tulsa, OK Hartford, CT Bentonville, AR Hartford, CT Lowell, AR Ninety-Ninth Report 99 Arvest Holdings, Inc. Bentonville, AR RSSD Number: 1845673 VOICE: (479) 464-1500 FAX: (479) 464-1540 125 West Central, Suite #218 P. O. Box 1860 72712 Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Bank Fayetteville, AR Arvest Bannister Realty Company Central Mortgage Company ABREHB, LLC Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. Arvest Mortgage Company RHV, LLC RHV2, LLC Security Bankcard Center, Inc. LODO Software First Place on the Creeks, LLC WACO Title Company Southwest Cattlemen's Corporation Superior Finance Company Superior Financial Statutory Trust II Kansas City, MO Little Rock, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Norman, OK Omaha, NE Rogers, AR Springdale, AR Tulsa, OK Tulsa, OK Hartford, CT Farmers Bancorp, Inc. Blytheville, AR RSSD Number: 1247615 VOICE: (870) 763-8101 FAX: (870) 763-3500 Chm/CEO/Pres: Steve Bell VP: Paula O. Blackwell Subsidiaries: Farmers Bank And Trust Company 180 Campbellsville, LLC 400 West Main Street P. O. Box 688 72316-0688 Sec: Randy Scott Blytheville, AR Franklin, TN Arkansas State Bank Department 100 First Western Bancshares ESOT Booneville, AR RSSD Number: 2628994 VOICE: (479) 675-0369 FAX: (479) 675-0751 80 West Main P. O. Box 87 72927-0087 Chm: Jeral L. Hampton Subsidiaries: First Western Bancshares, Inc. First Western Bank First Western Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. First Western Statutory Trust II First Western Statutory Trust III Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR First Western Bancshares, Inc. Booneville, AR RSSD Number: 1100091 VOICE: (479) 675-0369 FAX: (479) 675-0751 80 West Main P. O. Box 87 72927-0087 Bank Holding Company First Western Bancshares ESOT, Booneville, AR Chm/CEO: Jeral L. Hampton Pres: John T. Hampton Subsidiaries: First Western Bank First Western Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. First Western Statutory Trust II First Western Statutory Trust III Sec: Debbie Danekas Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Ninety-Ninth Report 101 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: First Bank Simply Home Lending Inc. Hampton, AR Fayetteville, AR Sharp Bancshares, Inc. Cave City, AR RSSD Number: 1099663 VOICE: (870) 283-5301 FAX: (870) 283-6466 133 South Main P. O. Box 490 72521-0490 Chm: Samuel F. Beller VChm: Bruce Street Pres: Margie Pettersen Treas/Sec: Dennis Esteb Subsidiaries: Bank of Cave City Cave City Properties, Inc. Cave City, AR Cave City, AR Clarendon Holding Co. Clarendon, AR RSSD Number: 1099252 VOICE: (870) 747-3319 FAX: (870) 747-3498 Chm: J. Baxter Sharp, III Subsidiaries: The Merchants and Planters Bank 297 Madison P. O. Box 280 72029-0280 CEO/Pres: J. Kendall Henry Clarendon, AR Arkansas State Bank Department 102 Home BancShares, Inc. Conway, AR RSSD Number: 1491409 VOICE: (501) 328-4663 FAX: (501) 328-4679 719 Harkrider Street, Suite 100 P. O. Box 966 72032 Chm: John W. Allison CEO: C. Randall Sims CFO: Randy E. Mayor Subsidiaries: Centennial Bank Cook Insurance Agency, Inc. Centennial Insurance Agency, Inc. Grand Prairie Title Company, Inc. OSB Reacquisitions, LLC Coastal St. Andrews Properties, LLC Gamble Road, LLC Centennial Trust Company RCA Air, LLC Centennial (AR) Statutory Trust I Conway, AR Apalachicola, FL Cabot, AR Cabot, AR Conway, AR Panama City Beach, FL Tallahassee, FL Conway, AR Conway, AR Wilmington, DE Ashley Bancstock Company Crossett, AR RSSD Number: 1099337 VOICE: (870) 364-1300 FAX: (870) 364-2205 Chm: Michael F. Webb Pres: Gerald G. Crawford, II Subsidiaries: First National Bank of Crossett First Community Bank of Crawford County Ashley Bancstock Company Statutory Trust I 218 Main Street 218 Main Street 71635 VP: Herbert R. Hutchison Treas/Sec: Nancy McCay Crossett, AR Van Buren, AR Crossett, AR Ninety-Ninth Report 103 Evergreen Bancshares, Inc. Crossett, AR RSSD Number: 1134797 VOICE: (870) 364-5131 FAX: (870) 364-6329 200 Pine Street P. O. Box 638 71635-0638 Chm: Richard E. Griffin CEO/Pres: Howard M. Beaty, Jr. Subsidiaries: First State Bank Crossett, AR Chambers Bancshares, Inc. Danville, AR RSSD Number: 1141487 VOICE: (479) 495-4680 FAX: (479) 495-4681 105 East 9th Street P. O. Box 1330 72833-1330 Chm/CEO/Pres: John Ed Chambers, III CFO: Mike Donnell Subsidiaries: Chambers Bank CBI Holdings, Inc. Sloan Capital Trust I Danville, AR Danville, AR Danville, AR Bank of Dardanelle Bankshares, Inc. Dardanelle, AR RSSD Number: 1134546 VOICE: (479) 229-3311 FAX: (479) 229-4180 CEO: William R. Bullock, Sr. Pres: Ronald L. Taylor Subsidiaries: River Town Bank 102 North Front Street P. O. Box 577 72834-0577 Sec: Sharon Wilson Dardanelle, AR 104 Arkansas State Bank Department 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: John Chambers Sec: Patricia Sikes Subsidiaries: Decatur State Bank Grand Insurance & Financial Services, Inc. Decatur, AR Decatur, AR First State Bancshares, Inc. DeQueen, AR RSSD Number: 2032724 VOICE: (870) 642-4423 FAX: (870) 642-2847 402 West Collin Raye Drive P. O. Box 970 71832-0970 Chm: Dennis Smiley CEO/Pres: Gary L. Golden Subsidiaries: First State Bank of DeQueen First State Insurance of DeQueen Inc. First State DeQueen Statutory Trust I DeQueen, AR DeQueen, AR Wilmington, DE DBT Financial Corporation DeWitt, AR RSSD Number: 1139176 VOICE: (870) 946-3531 FAX: (870) 946-2815 Pres: Nancy F. Rasco Second and Jefferson Streets P. O. Drawer 71 72042-0071 Sec: David Jessup Subsidiaries: DeWitt Bank And Trust Company DBT Realty Company, Inc. P & M Realty, Inc. DeWitt Bank and Trust Insurance Company, Inc DeWitt, AR DeWitt, AR DeWitt, AR DeWitt, AR Ninety-Ninth Report 105 DeWitt First Bankshares Corporation DeWitt, AR RSSD Number: 1099243 VOICE: (870) 946-3551 FAX: (870) 946-1562 220 West Cross P. O. Box 511 72042-0511 Pres: Warren A. Jennings, Sr. Sec: Warren A. Jennings, Jr. Subsidiaries: Arkansas County Bank DeWitt, AR M & F Financial Corporation Dumas, AR RSSD Number: 1099506 VOICE: (870) 382-4311 FAX: (870) 382-5901 Chm/CEO: L. Ashton Adcock Pres: J. Michael Jones 500 Highway 65 South P. O. Box 187 71639-0187 Treas/Sec: Betty B. Trites Subsidiaries: Merchants & Farmers Bank Dumas, AR First Financial Banc Corporation El Dorado, AR RSSD Number: 2568102 VOICE: (870) 863-7000 FAX: (870) 881-5393 CEO/Pres: J. Stephen Cameron CFO: Melissa Jerry 214 North Washington Street P. O. Box 1754 71730-1754 COO: Jerry Bullard Sec: Debra Martin Subsidiaries: First Financial Bank First Title Services, Inc. First Financial Banc Corporation Statutory Trust I First Financial Statutory Trust III El Dorado, AR El Dorado, AR El Dorado, AR El Dorado, AR Arkansas State Bank Department 106 MHBC Investments Limited Partnership, I England, AR RSSD Number: 2795083 VOICE: (501) 842-2555 FAX: (501) 842-2422 123 South Main Street P.O. Box 70 72046 Chm/CEO/Pres: Gary Canada Subsidiaries: Bank of England BOE Acquisition Company, Inc. England, AR England, AR Eureka Bancshares, Inc. Eureka Springs, AR RSSD Number: 2941769 VOICE: (479) 253-3000 FAX: (479) 253-3004 70 South Main P. O. Box 309 72632-0309 Chm/CEO/Pres: John F. Cross VChm: Lewis E. Epley, Jr. Sec: Charles T. Cross Subsidiaries: Cornerstone Bank Eureka Springs, AR Bankshares of Fayetteville, Inc. Fayetteville, AR RSSD Number: 2516970 VOICE: (479) 444-4444 FAX: (479) 443-1529 CEO/Pres: Mary Beth Brooks EVP: Bob King Subsidiaries: The Bank of Fayetteville Bank of Fayetteville East Square LLC BOF Cato Springs, LLC Bankshares of Fayetteville Statutory Trust I One South Block Avenue P.O. Box 1728 72702 EVP: Billie Pelton EVP: Sam Stricklin Fayetteville, AR Fayetteville, AR Fayetteville, AR Fayetteville, AR Ninety-Ninth Report 107 White River Bancshares Company Fayetteville, AR RSSD Number: 3306589 VOICE: (479) 684-3700 FAX: (479) 684-3795 3878 N. Crossover Road, Suite 20 P.O. Box 8550 72703 Bank Holding Company Community First Bancshares, Inc., Harrison, AR Chm/CEO/Pres: Gary R. Head CFO: Russell W. Nugent, Jr. COO: Marilyn K. Hendricks CLO: Daniel J. Lewis Subsidiaries: Signature Bank of Arkansas Fayetteville, AR FBT Bancshares, Inc. Fordyce, AR RSSD Number: 1099092 VOICE: (870) 352-3107 FAX: (870) 352-5202 Chm/CEO/Pres: James V. Hulse, Jr. EVP: Bruce Dawson Subsidiaries: FBT Bank & Mortgage 200 West 4th Street 200 West 4th Street 71742-2202 EVP/Sec: Suzette Crutchfield SVP: David Sisson Fordyce, AR 108 Arkansas State Bank Department First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (479) 782-2041 FAX: (479) 788-4602 602 Garrison Avenue P. O. Box 7 72902-0007 Chm: Mont S. Echols, Jr. CEO/Pres: Sam T. Sicard VP: James G. Williamson, Jr. Subsidiaries: The First National Bank of Fort Smith Citizens Bank & Trust Company PMF, Inc. V B Senior Housing Limited Partnership Brown-Hiller, Inc. First Asset Holdings, LLC Realty Appraisals, Inc. Brown-Hiller-Clark & Associates of Oklahoma, Inc. National Bank of Sallisaw Fort Smith, AR Van Buren, AR Van Buren, AR Van Buren, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Sallisaw, OK Sallisaw, OK Bainum Bancorp Glenwood, AR RSSD Number: 1491333 VOICE: (870) 356-2121 FAX: (870) 356-6327 205 Hwy 70 East P. O. Box 500 71943 Chm/Pres: Timothy E. Bainum VP: Mac McClanahan Sec: Lynda Robbins Subsidiaries: Diamond Bank Murfreesboro, AR Gravett Bancshares, Inc. Gravette, AR RSSD Number: 3143953 VOICE: (479) 787-5251 FAX: (479) 787-6102 Pres: Richard T. Pollreis VP/Chm: Jim Edmonson Subsidiaries: Bank of Gravett 211 SE Main Street P.O. Box 149 72736-0149 Sec: Lynn F. Cowick Gravette, AR Ninety-Ninth Report 109 First Service Bancshares, Inc. Greenbrier, AR RSSD Number: 1137266 VOICE: (501) 679-7200 FAX: (501) 679-5104 136 South Broadview P.O. Box 190 72058-0430 Chm/CEO/Pres: Thomas H. Grumbles Treas/Sec: Kenneth Barnard Subsidiaries: First Service Bank First Service Realty Greenbrier, AR Greenbrier, AR Peoples Home Holding, Inc. Greenbrier, AR RSSD Number: 3029196 VOICE: (501) 679-7283 FAX: (501) 679-7745 Chm/Pres: John Stacks VP: Joe Benton 61 A South Broadview P. O. Box 307 72058 VP: Bill Hannah Sec: Terry Milam Subsidiaries: Home Bank of Arkansas HomeBank Insurance Agency Portland, AR Greenbrier, AR Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (479) 996-4171 FAX: (479) 996-6700 Chm: Elizabeth Wilkinson Subsidiaries: Farmers Bank 71 West Center Street P. O. Box 610 72936-0610 CEO/Pres: Edward Wilkinson Greenwood, AR Arkansas State Bank Department 110 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 Chm/CEO/Pres: Edith H. Smith VP: Todd B. Trimble 123 Main Street P. O. Box 347 71842-0347 Treas/Sec: Carl E. Hendrix, III Subsidiaries: Horatio State Bank Horatio, AR Smith Associated Banking Corporation Hot Springs, AR RSSD Number: 1098004 VOICE: (501) 623-4292 FAX: (501) 624-7187 1801 Central Avenue, Suite D 1801 Central Avenue, Suite D 71901 Chm/CEO: G. R. Buck Smith Subsidiaries: Bank of Salem SABCO Insurance, Inc. Security Bank Salem, AR Salem, AR Stephens, AR Ninety-Ninth Report 111 First Arkansas BancShares, Inc. Jacksonville, AR RSSD Number: 1096550 VOICE: (501) 982-4511 FAX: (501) 982-5769 600 West Main Street P. O. Box 827 72078-0827 Chm/CEO/Pres: Larry T. Wilson EVP/Sec: John Hardwick SVP/CFO: Kim Crook Subsidiaries: First Arkansas Bank & Trust Card Assets, LLC First Arkansas Mortgage Company First Arkansas Statutory Trust I Lindsey Road Partnership Jacksonville, AR Atlanta, GA Jacksonville, AR Jacksonville, AR Little Rock, AR Liberty Bancshares, Inc. Jonesboro, AR RSSD Number: 3101784 VOICE: (870) 934-9000 FAX: (870) 268-1551 Chm/CEO: Wallace W. Fowler Pres: Mark P. Fowler Subsidiaries: Liberty Bank of Arkansas Freedom Insurance Group, Inc. Town & Country Insurance Agency, Inc. Liberty Statutory Trust 1 Liberty Statutory Trust II Russellville Statutory Trust I 2901 East Highland Drive P.O. Box 7514 72401 VP: John C. Freeman Sec: Lloyd H. McCracken, Jr. Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Arkansas State Bank Department 112 Southeast Arkansas Bank Corporation Lake Village, AR RSSD Number: 1137033 VOICE: (870) 265-2241 FAX: (870) 265-2125 201 Main Street P. O. Box 727 71653-0727 Chm/CEO: Charles H. Weissinger, Jr. VChm: William W. Bunker Pres: Terence J. Alpe COO: Shannon M. Hill Subsidiaries: The Bank of Lake Village BLV Realty, Inc. The Jefferson Agency The Jefferson Bank Jefferson Ag Credit Lake Village, AR Lake Village, AR Fayette, MS Fayette, MS Greenville, MS Little River Bancshares, Inc. Lepanto, AR RSSD Number: 2463391 VOICE: (870) 475-2306 FAX: (870) 475-3070 Chm: Henry G. Watkins, III Pres: Scott Arnold, IV 202 Greenwood Avenue P. O. Box 340 72354-0340 Sec: Lois Criddle Subsidiaries: Little River Bank Lepanto, AR Allcorp, Inc. Little Rock, AR RSSD Number: 4152877 VOICE: (501) 707-1154 FAX: (501) 707-1161 Chm/CEO: Lex Golden, III Subsidiaries: Community State Bank 5701 Kavanaugh Blvd. 5701 Kavanaugh Blvd. 72207 Pres: Alex Golden Bradley, AR Ninety-Ninth Report 113 Bank of the Ozarks, Inc. Little Rock, AR RSSD Number: 1097089 VOICE: (501) 978-2265 FAX: (501) 978-2205 17901 Chenal Parkway P. O. Box 8811 72231-8811 Chm/CEO: George G. Gleason, II CFO: Greg McKinney COO: Mark D. Ross Subsidiaries: Bank of the Ozarks Jaxsonville-Ocala Station, LLC West Manatee Avenue Property, LLC BOTO GA Properties, LLC BOTO NC Properties, LLC ASMSA Investment Fund, LLC BOTO, LLC BOTO-AR Properties, LLC Open Avenues Investment Fund, LLC The Highlands Group, Inc. FCB Properties, LLC PAB State Credits, LLC Ozark Capital Statutory Trust V Ozark Capital Statutory Trust II Ozark Capital Statutory Trust III Ozark Capital Statutory Trust IV Little Rock, AR Bradenton, FL Bradenton, FL Cartersville, GA Charlotte, NC Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Valdosta, GA Valdosta, GA Chicago, IL Hartford, CT Wilmington, DE Wilmington, DE Capital Bancshares, Inc. Little Rock, AR RSSD Number: 2777016 VOICE: (501) 228-6000 FAX: (501) 228-6006 Chm: Warren Stephenson CEO/Pres: Kyle E. Patton Subsidiaries: The Capital Bank 12224 Chenal Parkway P. O. Box 8210 72211 EVP/CFO: Jeanette Nation Little Rock, AR Arkansas State Bank Department 114 Delta Trust & Banking Corporation Little Rock, AR RSSD Number: 2834115 VOICE: (501) 907-2286 FAX: (501) 907-2299 11700 Cantrell Road P. O. Box 17607 72223 Chm/CEO: J. French Hill Pres: Carroll Penick Sec: Becky Hughes Subsidiaries: Delta Trust & Bank Delta Trust Insurance Agency, Inc. Delta Trust Investments, Inc. Delta Trust Mortgage, Inc. Parkdale, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock Bankshares, Inc. Little Rock, AR RSSD Number: 2617082 VOICE: (501) 376-0800 FAX: (501) 374-7937 200 North State Street P. O. Box 34090 72203 Chm/CEO: Eugene L. Maris SVP/Cash: Lee A. Swearingen Subsidiaries: Bank of Little Rock BLR Mortgage Corp. Hallmark Loan & Inv. Co. Little Rock Mortgage Corp. Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Riverside Bancshares, Inc. Little Rock, AR RSSD Number: 2155342 VOICE: (501) 614-6161 FAX: (501) 614-6162 Pres: Stephen C. Davis Subsidiaries: Riverside Bank Arkansas Mortgage Company, Inc. Little Rock Title Company Riverside Mortgage Company, Inc. 1001 W. Markham, 2nd Floor 1001 W. Markham, 2nd Floor 72201 Sec: David Matchet Sparkman, AR Fayetteville, AR Little Rock, AR Little Rock, AR Ninety-Ninth Report 115 Rock Bancshares, Inc. Little Rock, AR RSSD Number: 3770313 VOICE: (501) 664-8722 FAX: (501) 663-8753 One Information Way, Suite 400 One Information Way, Suite 400 72202 Chm/CEO/Pres: L. Walter Quinn Atty: Joseph W. Gregory Sec: Sally Brewer Subsidiaries: Heartland Bank HCB Properties, Inc. Heartland Insurance, LLC White County Injection Well, LLC HCB Investments, Inc. NSMG RBI, LLC Rock Bancshares Statutory Trust I Rock Bancshares Statutory Trust II Bryant, AR Bryant, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, 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/CEO/Pres: Catherine H. Owen VChm: Harry L. Hastings, Jr. Subsidiaries: Eagle Bank & Trust Company Eagle Development Company South State Mortgage Company 650 South Shackleford, Suite 450 650 South Shackleford, Suite 450 72211 EVP: Paul Castleberry SVP: Laura Bogoslavsky Little Rock, AR Little Rock, AR Little Rock, AR Arkansas State Bank Department 116 Lonoke Bancshares, Inc. Lonoke, AR RSSD Number: 1491614 VOICE: (501) 676-3106 FAX: (501) 676-5046 Chm: Neil Bennett, Jr. CEO: David R. Estes 101 South Center Street P.O. Box 320 72086-0320 Sec: Frances Wheat Subsidiaries: First State Bank First State Land Co., Inc. Lonoke Statutory Trust I Lonoke Statutory Trust II Lonoke, AR Lonoke, AR Lonoke, AR Lonoke, AR Golden Oaks Bancshares, Inc. Magnolia, AR RSSD Number: 1098684 VOICE: (870) 234-5777 FAX: (870) 234-3384 Chm: S. Clark Fincher Pres: Mary L. Fowler 500 North Jackson Street P. O. Box 340 71754-0340 Sec: Sharon Gathright 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 Subsidiaries: Farmers Bank and Trust Company Magnolia Properties, Inc. Magnolia Statutory Trust I Magnolia Statutory Trust II 200 East Main Street P. O. Box 250 71754-0250 EVP: Bruce D. Maloch Sec: T. H. Bradley Magnolia, AR Magnolia, AR Magnolia, AR Magnolia, AR Ninety-Ninth Report 117 FCB Financial Services, Inc. Marion, AR RSSD Number: 3123339 VOICE: (870) 739-7300 FAX: (870) 739-2234 205 Block Street P.O. Box 747 72364 Pres: M. Don Underwood EVP/CFO: Brenda Eldridge Sec: Frank A. Fogleman Subsidiaries: First Community Bank of Eastern Arkansas FCB Insurance Services, Inc. Marion, AR Marion, AR Tyronza Bancshares, Inc. Marked Tree, AR RSSD Number: 1139783 VOICE: (870) 358-6000 FAX: (870) 358-6001 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: Vance M. Thompson, III Subsidiaries: Bank of McCrory 105 South Edmonds Avenue P. O. Box 388 72101-0388 AVP: Caleb Thompson McCrory, AR Arkansas State Bank Department 118 McGehee Bank Employee Stock Ownership Plan McGehee, AR RSSD Number: 3487965 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd Street P.O. Box 787 71654 Chm: William W. Bowman VChm: John H. Potter Pres: James M. Smith Subsidiaries: Southeast Financial Bankstock Corporation McGehee Bank McBank Realty McGehee, AR McGehee, AR McGehee, AR Southeast Financial Bankstock Corporation McGehee, AR RSSD Number: 1096662 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd Street P. O. Box 787 71654-0787 Bank Holding Company McGehee Bank Employee Stock Ownership Plan, McGehee, AR Chm: William W. Bowman VChm: John H. Potter, Jr. 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 I 303 Hwy 71 North P. O. Box 898 71953-0898 EVP/CFO: Michael D. Myers Sec: David Maddox Mena, AR Paris, AR Mena, AR Ninety-Ninth Report 119 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. VChm: Bennie Ryburn, III Pres: George T. Harris SVP/Sec: Rusty Smith Subsidiaries: Commercial Bank & Trust Company Monticello, AR First Union Financial Corporation Monticello, AR RSSD Number: 1098880 VOICE: (870) 460-6400 FAX: (870) 460-6465 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 First Union Statutory Trust 1 Monticello, AR Monticello, AR Petit Jean Bancshares, Inc. Morrilton, AR RSSD Number: 2877402 VOICE: (501) 354-4988 FAX: (501) 354-6560 707 North Saint Joseph Street P. O. Box 680 72110 Pres: Charles S. Penick Subsidiaries: Petit Jean State Bank Morrilton, AR Arkansas State Bank Department 120 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: Lex Golden Subsidiaries: Acme Holding Company, Inc. Allied Bank The Mortgage Bank of Arkansas, Inc. Acme Statutory Trust I Mulberry, AR Mulberry, AR Little Rock, AR Mulberry, AR Acme Holding Company, Inc. Mulberry, AR RSSD Number: 1140556 VOICE: (479) 997-1154 FAX: (479) 997-1161 311 Main Street P. O. Drawer A 72947-0480 Bank Holding Company Acme Holding Co., Inc. Employee Stock Ownership Plan (ESOP), Mulberry, AR CEO: Lex Golden Pres: Alex Golden Subsidiaries: Allied Bank The Mortgage Bank of Arkansas, Inc. Acme Statutory Trust I Sec: Amy McCay Mulberry, AR Little Rock, AR Mulberry, AR Ninety-Ninth Report 121 M & P Community Bancshares, Inc. Newport, AR RSSD Number: 1491306 VOICE: (870) 523-3601 FAX: (870) 523-3473 120 Hazel Street P. O. Box 650 72112-0650 Bank Holding Company M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan, Newport, AR Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. VP/Sec: Carla P. Stiger Treas: Pat Davis Subsidiaries: Merchants & Planters Bank M & P Community Statutory Trust II M & P Insurance & Investment Services, Inc. Newport, AR Newport, AR Newport, AR M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan Newport, AR RSSD Number: 3394429 VOICE: (870) 523-3601 FAX: (870) 523-3473 120 Hazel Street P.O. Box 650 72112 Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. VP/Sec: Carla P. Stiger Treas: Pat Davis Subsidiaries: M & P Community Bancshares, Inc. Merchants & Planters Bank M & P Community Statutory Trust II M & P Insurance & Investment Services, Inc. Newport, AR Newport, AR Newport, AR Newport, AR Piggott Bankstock, Inc. Piggott, AR RSSD Number: 1098321 VOICE: (870) 598-3802 FAX: (870) 598-2026 212 West Cherry Street P. O. Box 307 72454-0307 Chm/CEO/Pres: Paula O. Blackwell Subsidiaries: Piggott State Bank Piggott, AR Arkansas State Bank Department 122 Jefferson Bancshares, Inc. Pine Bluff, AR RSSD Number: 2267665 VOICE: (870) 535-7222 FAX: (870) 540-1224 912 Poplar Street P.O. Box 7878 71601-4861 Chm: John P. Garrison Pres/CEO: Chuck Morgan EVP/CFO: Scott Pittillo Subsidiaries: Hot Springs Bank & Trust Company Relyance Bank, National Association Jefferson Title Company, LLC Jefferson Bancshares Capital Trust Jefferson Bancshares Capital Trust II Hot Springs, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Simmons First National Corporation Pine Bluff, AR RSSD Number: 1094828 VOICE: (870) 541-1000 FAX: (870) 541-1123 Chm/CEO: George A. Makris, Jr. Pres: David L. Bartlett Subsidiaries: Simmons First Bank of El Dorado Simmons First Bank of Hot Springs Simmons First Bank of Northeast Arkansas Simmons First Bank of South Arkansas Simmons First National Bank, N.A. Simmons First Investment Group Simmons First Trust Company, N.A. Simmons First Bank of Northwest Arkansas Simmons First Bank of Russellville Simmons First Bank of Searcy Arkansas Fund, Inc. Simmons First Capital Trust II Simmons First Capital Trust III Simmons First Capital Trust IV Simmons First Mortgage Corporation 501 Main Street P. O. Box 7009 71611-7009 EVP: Marty Casteel SVP/CFO: Robert A. Fehlman El Dorado, AR Hot Springs, AR Jonesboro, AR Lake Village, AR Pine Bluff, AR Little Rock, AR Pine Bluff, AR Rogers, AR Russellville, AR Searcy, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Ninety-Ninth Report 123 Parkway Bankshares, Inc. Portland, AR RSSD Number: 1141188 VOICE: (870) 367-1935 FAX: (870) 367-1859 217 N. Main Street 555 West Gaines 71663 Chm: Joel Newcome Pres: Robert Y. Taylor VP/Treas/Sec: Leslie Borgognoni Subsidiaries: Parkway Bank Rogers, AR Prescott Bancshares, Inc. Prescott, AR RSSD Number: 2236586 VOICE: (870) 887-2688 FAX: (870) 887-6822 East Second at Main P.O. Drawer 490 71857-0490 Pres: John Warren Brannan, Jr. EVP: Gary McCauley Treas/Sec: Karen McLelland Subsidiaries: Bank of Prescott Prescott, AR Pinnacle Bancshares, Inc. Rogers, AR RSSD Number: 3451416 VOICE: (479) 619-2000 FAX: (479) 619-2702 4201 West New Hope Road, Suite 101 4201 West New Hope Road, Suite 101 72758 Chm/CEO: Wade Ruckle Subsidiaries: Pinnacle Bank Rogers, AR Arkansas State Bank Department 124 First State Banking Corporation Russellville, AR RSSD Number: 1096448 VOICE: (479) 498-2402 FAX: (479) 498-2465 3103 East Main Street P. O. Box 10610 72812 Chm/CEO: Charles Blanchard Pres: Johnny K. Morgan EVP: Chip Blanchard CFO/VP: Andrea Nicholson Subsidiaries: First State Bank Nimrod Real Estate, Inc. FSB Capital Trust II FSB Capital Trust III Russellville, AR Russellville, AR Russellville, AR Russellville, AR First Security Bancorp Searcy, AR RSSD Number: 1096505 VOICE: (501) 279-3401 FAX: (501) 279-3486 Chm/CEO: Reynie Rutledge 314 North Spring P. O. Box 1009 72145-1009 Pres: Bill Scholl Subsidiaries: First Security Bank UFS, Inc. Heartland Renaissance Fund Sub 1 LLC FNBS Investments Inc. Peoples Real Estate Management Co. First Security Investment Advisors, Inc. First Security Real Estate Management, Inc. Crews & Associates, Inc. First Security Finance, Inc. Eastview of NWA, LLC Torrent Fire Co. #4 LLC Union Air LLC Cheyenne Aircraft LLC Searcy, AR Benton, AR Conway, AR Las Vegas, NV Mountain Home, AR Searcy, AR Searcy, AR Little Rock, AR Little Rock, AR Searcy, AR Searcy, AR Searcy, AR Wilmington, DE Ninety-Ninth Report 125 Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 708 North Broadway P. O. Box 107 71762-0107 CEO/Pres: Bob Willett SVP: J. Drew Tennyson SVP: James B. Yeager Subsidiaries: Smackover State Bank Smackover, AR Mathias Bancshares, Inc. Springdale, AR RSSD Number: 1951172 VOICE: (479) 750-9100 FAX: (479) 750-0953 5571 Bleaux Ave. P. O. Box 6485 72766 Chm: Sam Mathias VChm: Arthur Thurman Sec: Larry Olson Subsidiaries: First State Bank of Northwest Arkansas FSB Properties, LLC Huntsville, AR Fayetteville, AR Bodcaw Bancshares, Inc. Stamps, AR RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 Chm: J. Paul Nipper Subsidiaries: Bodcaw Bank 307 Thomas Street P. O. Box 8 71860-0008 Sec: Scott Hultberg Stamps, AR Arkansas State Bank Department 126 Star City Bancshares, Inc. Star City, AR RSSD Number: 1131723 VOICE: (870) 628-4286 FAX: (870) 628-5274 116 North Lincoln P. O. Drawer 69 71667-0069 Chm/CEO/Pres: Bennie F. Ryburn, Jr. Subsidiaries: Bank of Star City Star City, AR The Farmers and Merchants Bankshares, Inc. Stuttgart, AR RSSD Number: 1099672 VOICE: (870) 673-6911 FAX: (870) 672-4282 708 South Main P. O. Box 1010 72160-1016 Chm: Roy O. McCollum, III CEO/Pres: Gary Hudson Subsidiaries: The Farmers and Merchants Bank Stuttgart, AR Bradley Bancshares, Inc. Warren, AR RSSD Number: 1097463 VOICE: (870) 226-2601 FAX: (870) 226-2253 Chm/CEO: Bennie F. Ryburn, Jr. VChm: Bennie Ryburn, III Subsidiaries: First State Bank of Warren 104 South Main Street P. O. Box 29 71671-0029 Pres: Freddie M. Mobley Warren, AR Ninety-Ninth Report 127 Evolve Bancorp, Inc. West Memphis, AR RSSD Number: 1142411 VOICE: (901) 624-5500 8000 Centerview Parkway, Suite 500 FAX: (901) 624-5540 301 Shoppingway Blvd. c/o Secretary 72301 Bank Holding Company Evolve Financial Group, Inc., Memphis, TN Chm: Scot Lenoir Sec: Scott Stafford Subsidiaries: Evolve Bank & Trust West Memphis, 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: David Dowd 1 Cross County Plaza P. O. Box 9 72396-0009 Treas/Sec: Shelia Stotts Subsidiaries: Cross County Bank Janus Title, LLC Janus Title, LLC Wynne, AR Wynne, AR Wynne, AR First National Corporation of Wynne Wynne, AR RSSD Number: 1132159 VOICE: (870) 238-2361 FAX: (870) 238-8148 CEO/Pres: Sean H. Williams VP: Paul Hall Subsidiaries: Twin Lakes Community Bank The First National Bank of Wynne 528 Merriman Avenue P. O. Box 129 72396 Treas: Dianne Henderson Sec: Lisa G. Jackson Flippin, AR Wynne, AR OUT OF STATE BANK HOLDING COMPANIES AND THEIR ARKANSAS SUBSIDIARIES JUNE 30, 2013 Arkansas State Bank Department 130 Delta Bancshares of Louisiana, Inc. Oak Grove, LA RSSD Number: 2806662 VOICE: (870) 355-8311 FAX: (870) 355-8509 600 East Main Street P. O. Box 250 71263 Chm: Charles F. Poole Pres: Robert Schultz Subsidiaries: The Eudora Bank West Carroll Community Bank Eudora, AR Oak Grove, LA Evolve Financial Group, Inc. Memphis, TN RSSD Number: 3343351 VOICE: (901) 624-5500 FAX: (901) 624-5540 Chm/CEO: Scot Lenoir Subsidiaries: Evolve Bancorp, Inc. Evolve Bank & Trust 6070 Poplar Avenue, Suite 200 6070 Poplar Avenue, Suite 200 38119 Sec: Scott Stafford West Memphis, AR West Memphis, AR ABBREVIATIONS Chm: Chm Emer: CEO: VChm: Pres: Reg Pres: EVP: SVP: CAO: CBO: CCO: CFO: CLO: COO: AdmVP: EO: VP: SLO: Cash: Cont: AVP: RMO: Aud: TO: ATO: Treas: Sec: Atty: Chairman of the Board Chairman Emeritus Chief Executive Officer Vice Chairman President Regional President Executive Vice President Senior Vice President Chief Administrative Officer Chief Banking Officer Chief Credit Officer Chief Financial Officer Chief Lending Officer Chief Operating Officer Administrative Vice President Executive Officer Vice President Senior Loan Officer Cashier Controller Assistant Vice President Risk Management Officer Auditor Trust Officer Assistant Trust Officer Treasurer Secretary Attorney 132 Arkansas State Bank Department NOTES Ninety-Ninth Report NOTES 133 134 Arkansas State Bank Department NOTES
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