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REPORT OF THE BANK COMMISSIONER OF ARKANSAS 2011 MIKE BEEBE Governor CANDACE A. FRANKS Bank Commissioner NINETY-SEVENTH ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2011 Ninety-Seventh Report STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2011 Honorable Mike Beebe Governor of Arkansas Little Rock, Arkansas Governor Beebe: I am pleased to submit to you the Ninety-Seventh 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, 2011. 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-Seventh Report TABLE OF CONTENTS Legal Holidays ............................................................................................................................................ 2 Commissioners of The Bank Department .................................................................................................. 3 State Banking Board .................................................................................................................................. 4 Departmental Roster .................................................................................................................................. 5 State Chartered Banks Merged/ State Chartered Banks Liquidated/Charter Conversions ........................................................................ 9 New Branches Approved ......................................................................................................................... 10 Subchapter S Corporation Banks ............................................................................................................. 12 Fiscal Report of The Bank Department .................................................................................................... 13 Federal Supervisory Agencies ................................................................................................................. 14 Trade Associations ................................................................................................................................... 18 Consolidated Report of Condition Data State Chartered Banks .......................................................................................................................... 22 Consolidated Statement of State Chartered Trust Departments ...................................................................................................... 23 Consolidated Report of Condition Data National Banks ...................................................................................................................................... 24 Tier One Leverage Ratios For All Arkansas Commercial Banks ................................................................................................................ 25 National Banks ......................................................................................................................................... 29 Report of State Chartered Commercial Banks ......................................................................................... 32 Report of State Chartered Non-Profit Organization .................................................................................. 85 Report of State Chartered Trust Companies ............................................................................................ 87 Report of Regional/County Industrial Development Corporations............................................................ 89 Report of Capital Development Company................................................................................................ 91 Commercial Banks Listed by County ....................................................................................................... 93 Map of Arkansas Counties ....................................................................................................................... 97 Arkansas Bank Holding Companies ......................................................................................................... 99 Out of State Bank Holding Companies................................................................................................... 135 Abbreviations ..........................................................................................................................................137 2 Arkansas State Bank Department LEGAL HOLIDAYS New Year's Day......................................................................................... January 1 Robert E. Lee's Birthday ...................................................Third Monday in January Martin Luther King, Jr. Day ...............................................Third Monday in January Presidents Day ................................................................ Third Monday in February Memorial Day ........................................................................... Last Monday in May Independence Day ........................................................................................... July 4 Labor Day ...................................................................... First Monday in September Veterans Day....................................................................................... November 11 Thanksgiving Day..................................................... Fourth Thursday in November Christmas Eve ..................................................................................... December 24 Christmas Day ..................................................................................... December 25 All Bills of Exchange, Drafts, or Promissory Notes, which shall become payable on a legal holiday shall be payable on the day next succeeding such holiday. In case any legal holiday falls on Sunday, the next succeeding Monday shall be a holiday in its stead. Ninety-Seventh Report 3 COMMISSIONERS OF THE ARKANSAS STATE BANK DEPARTMENT Date of Appointment Date Service Ended No. Name 1. John M. Davis .............................. October 6, 1913 October 3, 1918 2. A. J. Reap .................................... October 3, 1918 March 22, 1919 3. W. T. Maxwell ............................... March 22, 1919 September 1, 1921 4. Charles McKee ....................... September 1, 1921 July 28, 1925 5. Loid Rainwater.................................. July 28, 1925 February 8, 1927 6. Walter E. Taylor ..........................February 8, 1927 January 10, 1933 7. Marion Wasson ......................... January 10, 1933 January 12, 1937 8. Grover S. Jernigan .................... January 12, 1937 January 14, 1941 9. Thomas W. Leggett ................... January 14, 1941 February 1, 1949 10. S. J. Dean ...................................February 1, 1949 December 31, 1949 11. Ed. I. McKinley, Jr. ................ December 31, 1949 March 14, 1953 12. A. R. Merritt................................... March 14, 1953 February 8, 1955 13. Dick Simpson..............................February 8, 1955 March 2, 1967 14. H. C. Adams ................................... March 3, 1967 March 16, 1979 15. Don R. Clark (Acting) ................... March 16, 1979 April 19, 1979 16. B. J. Lambert, Jr. ............................. April 19, 1979 April 15, 1983 17. Marlin D. Jackson ............................ April 15, 1983 October 1, 1987 18. Bill J. Ford .................................... October 1, 1987 July 31, 1998 19. Frank White ................................... August 1, 1998 May 21, 2003 20. Bunny Adcock ................................ June 23, 2003 June 11, 2007 21. Candace A. Franks ........................ June 13, 2007 …………….... Arkansas State Bank Department 4 STATE BANKING BOARD MEMBERS Mr. Gary Hudson Chairman The Farmers and Merchants Bank P. O. Box 1010 Stuttgart, AR 72160 VOICE: (870) 673-6911 FAX: (870) 673-4282 TERM EXPIRES: 12-31-13 Mr. Rodney Parks Vice Chairman 10606 Yosemite Valley Drive Little Rock, AR 72212 VOICE: (501) 975-8535 TERM EXPIRES: 12-31-13 Mr. Creed Spann P. O. Box 21670 Hot Springs, AR 71903 VOICE: (501) 525-2733 FAX: (501) 525-1763 TERM EXPIRES: 12-31-11 Mr. Charles Smith P. O. Box 180490 Fort Smith, AR 72918 VOICE: (479) 788-7427 FAX: (479) 434-4388 TERM EXPIRES: 12-31-13 Mr. Marcus McCain Summit Bank P. O. Box 965 Arkadelphia, AR 71923-0965 VOICE: (870) 230-8067 FAX: (870) 246-0016 TERM EXPIRES: 12-31-14 Mr. John Freeman Liberty Bank of Arkansas P. O. Box 7514 Jonesboro, AR 72403 VOICE: (870) 934-9000 FAX: (870) 268-1525 TERM EXPIRES: 12-31-15 Ninety-Seventh Report Arkansas State Bank Department 400 Hardin Road, Suite 100 Little Rock, AR 72211-3502 VOICE: (501) 324-9019 FAX: (501) 324-9028 www.arkansas.gov/bank DEPARTMENTAL ROSTER Candace A. Franks - Bank Commissioner Luther Guinn − Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination State Banking Board Susannah T. Marshall - Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination Application Information EXAMINATION AND SUPERVISION Assistant Deputy Bank Commissioners: H. Wilks Marshall, Jr. Richard D. Buzbee Larry M. Hillyard Baker L. Moseley Regulatory Examinations/Regulatory and Banking Procedures Bank Performance Evaluation and Monitoring Personnel Recruitment and Management EXAMINATION PERSONNEL LITTLE ROCK OFFICE Gary W. Bush − Certified Examinations Manager Robert M. Henry − Certified Bank Senior Examiner Matthew A. Rose – Commissioned Senior Examiner Mark Rye – Commissioned Senior Examiner Lance A. Nutt – Bank Senior Examiner Jim E. Homan – Bank Examiner David “Chip” Bartlett – Bank Examiner Jordan A. Patterson – Bank Examiner Eric Roberts – Bank Examiner 5 6 Arkansas State Bank Department LITTLE ROCK OFFICE Michael G. Saunders – Certified Examinations Manager Luke B. Webre – Certified Bank Senior Examiner Jerry C. Corrothers − Certified Bank Senior Examiner Kevin C. Mosley – Certified Bank Senior Examiner Kelly M. Victory – Certified Bank Senior Examiner Dharmin H. Patel – Bank Senior Examiner Chris K. Davis – Bank Senior Examiner Jonathan E. Bull – Bank Senior Examiner NORTHWEST ARKANSAS OFFICE 777 Mathias Drive, Suite A Springdale, AR 72762-0739 VOICE: (479) 751-5543 FAX: (479) 751-5815 NWArkansas@banking.state.ar.us Ken Leavell − Certified Examinations Manager Joseph M. Payne – Certified Bank Senior Examiner Thomas L. Cook – Certified Bank Senior Examiner Landi S. Mkhize – Commissioned Senior Examiner Shawn M. Dunham – Bank Senior Examiner J. D. Chambliss – Bank Examiner Jordan M. Hurst – Bank Examiner Raychel Malone – Bank Examiner Chris Rittelmeyer – Bank Examiner JONESBORO OFFICE 924 South Main 72401-3597 P. O. Box 9374 72403-9374 VOICE: (870) 972-1744 FAX: (870) 972-1762 Jonesboro@banking.state.ar.us John K. Householder − 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 – Commissioned Senior Examiner Thomas J. Anderson – Commissioned Senior Examiner Scott J. Smith – Bank Examiner TRUST Thomas M. Narrell − Certified Examinations Manager Jamie A. Bazarow – Certified Bank Senior Examiner Stacey D. Leder – Commissioned Senior Examiner Ninety-Seventh Report INFORMATION SYSTEMS Jeffrey A. Cameron – Certified Examinations Manager Michael L. Green – Certified Bank Senior Examiner Carey W. Sharp – Certified Bank Senior Examiner SPECIAL PROJECTS Mary C. Pennebaker − Certified Examinations Manager APPLICATION INFORMATION 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 of Condition and Income Research and Financial Analysis Public Information Requests Application Analysis Consumer Complaints TRAINING Richard S. Plotkin – Certified Examinations Manager Jacklyn G. Powell – Commissioned Senior Examiner Training/Orientation/Education LEGAL DIVISION P. Brent Taylor – Attorney Rules and Regulations Legal Filings and Inquiries Consumer Complaints INFORMATION TECHNOLOGY Robert L. Hughes − Administrator Mitch L. Vire − Systems Specialist Greg F. Langley − Systems Specialist Data Processing Support Research and Development Application Programming 7 8 Arkansas State Bank Department ADMINISTRATION DIVISION Gail Green – Fiscal Division Manager Vicki A. Wise – Human Resource Analyst Devan E. May – Human Resource Analyst Sharon K. Hacker – Accountant Accounting and Employee Services Budget/Personnel/Payroll Performance Evaluation Expense Disbursement Purchasing Cynthia L. Nixon − Executive Assistant to the Commissioner Jane R. English − Administrative Analyst Lori A. Morrison − Administrative Analyst Martha A. Guinn − Administrative Analyst Kimberly A. Brown – Administrative Specialist Administrative Support Examination Support and Processing Data Entry Barbara A. Mahoney − Administrative Analyst Rules and Regulations Manual Distribution Inquiries Charter Amendments and Charter Information Certificates of Good Standing Ninety-Seventh Report STATE CHARTERED BANKS MERGED FROM JULY 1, 2010, TO JUNE 30, 2011 BANK MERGED INTO Planters & Merchants Bank Gillett DeWitt Bank and Trust DeWitt Arkansas Banker’s Bank Little Rock First National Banker’s Bank Baton Rouge, LA STATE CHARTERED BANKS LIQUIDATED FROM JULY 1, 2010, TO JUNE 30, 2011 BANK LOCATION First Southern Bank Batesville CHARTER CONVERSIONS Simmons First Bank of El Dorado, N.A. 100 W. Grove El Dorado, Arkansas (Converted to a state charter December 16, 2010 and became Simmons First Bank of El Dorado) 9 Arkansas State Bank Department 10 BRANCHES APPROVED FROM JULY 1, 2010, TO JUNE 30, 2011 BANK LOCATION Southern Bancorp Bank Arkadelphia 1888 Main Street Crossing, Suite D Madison, MS Summit Bank Arkadelphia 201 Skyline Drive, Suite 38 Conway Summit Bank Arkadelphia Lot 5, E. Gate Plaza, Phase I Lonsdale Heartland Community Bank Bryant 5100 Kavanaugh Boulevard Little Rock Centennial Bank Conway Mobile Branch Bay County, FL Calhoun County, FL Franklin County, FL Gulf County, FL Lake County, F Leon, County, FL Liberty County, FL Orange County, FL Seminole County, FL Wakulla County, FL Arvest Bank Fayetteville 2700 Shackleford Road Little Rock Arvest Bank Fayetteville 3184 E. Sunshine Street Springfield, MO Arvest Bank Fayetteville 2251 N. 9 Street Broken Arrow, OK Bank of the Ozarks Little Rock 3336 E. Hebron Parkway Carrollton, TX Bank of the Ozarks Little Rock 600 Keller Parkway Keller,TX Bank of the Ozarks Little Rock 5925 W. Park Boulevard Plano,TX th Ninety-Seventh Report BANK LOCATION Evolve Bank & Trust West Memphis 302 N. Main Street Brinkley Evolve Bank & Trust West Memphis 8000 Centerview Parkway Cordova, TN Evolve Bank & Trust West Memphis 6070 Poplar Avenue, Suite 100 Memphis, TN 11 Arkansas State Bank Department 12 STATE CHARTERED SUBCHAPTER S CORPORATION BANKS BANK CITY Bank of Bearden Bearden Heartland Community Bank Bryant Bank of Cave City Cave City Chambers Bank Danville Decatur State Bank Decatur Bank of Delight Delight First State Bank of DeQueen DeQueen Arkansas County Bank DeWitt First Financial Bank El Dorado Cornerstone Bank Eureka Springs Bank of Gravett Gravette First Service Bank Greenbrier First State Bank of Northwest Arkansas Huntsville First Arkansas Bank & Trust Jacksonville Little River Bank Lepanto Farmers Bank and Trust Company Magnolia The Peoples Bank Magnolia McGehee Bank McGehee The Union Bank of Mena Mena Commercial Bank & Trust Company Monticello Allied Bank Mulberry Diamond Bank Murfreesboro The Bank of Rison Rison Riverside Bank Sparkman Bank of Star City Star City Warren Bank and Trust Company Warren Ninety-Seventh Report 13 The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 2010 through June 30, 2011. RECEIPTS Cash Balance July 1, 2010 ........................................................ $5,402,663.75 Examination and Assessment Fees ........................ 7,857,262.17 Charter and Amendment Fees ..................................... 75,980.00 Interstate Sharing Fees ................................................ 71,995.00 Miscellaneous/Non-Revenue Income ............................... 734.50 Reimbursement for M & R Sales.................................... 9,702.29 Refund to Expenditures − Prior Year ........................... 17,620.31 Refund to Expenditures− Current Year .......................... 1,221.36 Total Receipts 8,034,515.63 $13,437,179.38 DISBURSEMENTS Salaries ................................................................... 4,803,949.71 Extra Help Salaries ............................................................... 0.00 S.S., Retirement and Insurance Matching............................................................... 1,246,873.01 Maintenance and General Operations .................... 1,180,908.74 Conference Fees and Travel...................................... 248,642.54 Professional Fees and Services................................... 39,417.58 Capital Outlay............................................................. 163,536.11 Refunds Issued ..................................................................... 0.00 Service Charge by State Treasurer............................ 120,078.58 Total Disbursements 7,803,406.27 Cash Balance June 30, 2011 5,633,773.11 $13,437,179.38 14 Arkansas State Bank Department FEDERAL DEPOSIT INSURANCE CORPORATION Dallas Regional Office 1601 Bryan Street Dallas, Texas 75201 VOICE: (214) 754-0098 FAX: (972) 761-2082 http://www.fdic.gov Kristie K. Elmquist .. Acting Regional Director/Supervision/Consumer Protection Joseph A. Meade ............... Acting Deputy Regional Director/Risk Management Julie Banfield ............................. Deputy Regional Director/Consumer Protection Cheryl Couch .............................................................. Assistant Regional Director Mark Taylor................................................................. Assistant Regional Director John Perez ................................................................. Assistant Regional Director Stephen Zachary ....................................................................... Regional Counsel Memphis Area Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 VOICE: (901) 685-1603 FAX: (901) 821-5308 Wayne Nichols ........................................................... Assistant Regional Director Chris Finnegan ...................................... Assistant Regional Director/Compliance Little Rock Field Office Financial Centre III Building 900 South Shackleford Road, Suite 500 Little Rock, Arkansas 72211 VOICE: (501) 228-6346 FAX: (501) 228-6568 Mark Evans.................................................... Field Supervisor/Risk Management Linda Wallace .......................................................... Field Supervisor/Compliance Memphis Field Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 VOICE: (901) 685-1603 FAX: (901) 818-1645 Dana A. English............................................. Field Supervisor/Risk Management Linda Wallace .......................................................... Field Supervisor/Compliance Shreveport Field Office Southpointe Center 3007 Knight Street, Suite 300 Shreveport, Louisiana 71105-2525 VOICE: (318) 868-6661 FAX: (318) 868-7870 Victor Ingram ................................................. Field Supervisor/Risk Management Sandra Jesberger .................................................... Field Supervisor/Compliance Ninety-Seventh 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 Online Learning Christopher J. Waller................................................................ Senior Vice President Director of Research Richard G. Anderson............................................................................Vice President & Research Automation Advisor John P. Baumgartner ...........................................................................Vice President Cash Management/Administration Timothy A. Bosch ................................................................................. Vice President Banking Supervision Marilyn K. Corona ................................................................................ Vice President Financial Management William T. Gavin ................................................................................... Vice President & Research Coordinator Jean M. Lovati ...................................................................................... Vice President Human Resources 15 16 Arkansas State Bank Department FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 (Continued) Michael J. Mueller ................................................................................ Vice President Support Services Kim D. Nelson ......................................................................................Vice President Risk Management, Statistics, Credit & Payment Applications Daniel L. Thornton ................................................................................Vice President & Economic Advisor Michael D. Renfro .............................................................................. General Auditor Audit Little Rock Branch 111 Center Street 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-Seventh Report COMPTROLLER OF THE CURRENCY Southern District Office 500 North Akard, Suite 1600 Dallas, Texas 75201-3323 VOICE: (214) 720-0656 FAX: (214) 720-7000 http://www.occ.treas.gov Gilbert D. Barker........................................................................ Deputy Comptroller Dennis Havener......................................................... Assistant Deputy Comptroller Randall M. Ryskamp ........................................................................District Counsel Karen Bryant............................................................................... Licensing Manager Little Rock Field Office Ozark National Life Building 10201 West Markham, Suite 105 Little Rock, Arkansas 72205−2180 VOICE: (501) 225-7228 FAX: (501) 225-2711 F. Christian Dunn ...................................................... Assistant Deputy Comptroller Memphis Field Office (Satellite Office of Arkansas Field Office) Kimbrough Building, Suite 309 57 Germantown Court Cordova, Tennessee 38018-4268 VOICE: (901) 624-5154 FAX: (901) 624-5822 F. Christian Dunn ...................................................... Assistant Deputy Comptroller Central and Western Oklahoma Field Office The Harvey Parkway Building 301 NW 63rd Street, Suite 490 Oklahoma City, Oklahoma 73116-7909 VOICE: (405) 848−8058 FAX: (405) 848-8085 Kyle M. Jones ............................................................ Assistant Deputy Comptroller Eastern Oklahoma Field Office Executive Center Building 7134 South Yale, Suite 910 Tulsa, Oklahoma 74136-6360 VOICE: (918) 492-2082 FAX: (918) 492-2092 Carey Phillipi.............................................................. Assistant Deputy Comptroller 17 18 Arkansas State Bank Department ARKANSAS BANKERS ASSOCIATION 1220 West Third Street Little Rock, Arkansas 72201 VOICE: (501) 376-3741 FAX: (501) 376-9243 http://www.arkbankers.org Ken D. Hammonds ........................................................................ President & CEO Charlie Blanchard ...................................................................................... Chairman Chairman & CEO First State Bank, Russellville John Freeman .................................................................................. Chairman-Elect President Liberty Bank of Arkansas, Jonesboro David Bartlett ..................................................................................... Vice Chairman President & COO Simmons First National Corp., Pine Bluff Mark Ferguson .......................................................................................... Treasurer Executive Vice President First Security Bank, Searcy Eddie Holt .......................................................................................... Past Chairman President & CEO First National Bank of Crossett, Crossett Ninety-Seventh Report EMERGING LEADERS SECTION OFFICERS Mark Wilson ................................................................................................ President Vice President First Arkansas Bank & Trust, Jacksonville Jennifer Ruhlman ...............................................................................Vice President Assistant Vice President Bank of the Ozarks, Little Rock (To be named) .......................................................................... Secretary/Treasurer 19 20 Arkansas State Bank Department ARKANSAS COMMUNITY BANKERS ASSOCIATION P. O. Box 20210 Hot Springs, Arkansas 71903-0210 VOICE: (800) 771-1634 FAX: (501) 525-0637 E−Mail: info@arcommunitybankers.com http://www.arcommunitybankers.com Richard Trammell ........................................................................... Executive Director Cole Martin ................................................................................................... President First Security Bank, Searcy, Clarksville Office George Worthen ................................................................................... Vice President Bank of Little Rock, Little Rock Martin Carpenter .......................................................................................... Treasurer First National Banking Company, Ash Flat Sam Beller .................................................................................................... Secretary Bank of Cave City, Cave City Ninety-Seventh Report CONFERENCE OF STATE BANK SUPERVISORS th th 1129 20 Street, NW, 9 Floor Washington, DC 20036 VOICE: (202) 296-2840 FAX: (202) 296-1928 http://www.csbs.org Neil Milner .........................................................................................President & CEO John Ryan ........................................................................... Executive Vice President Tom Harlow ............................................................................. Chief Financial Officer Anthony Donfor ...............................................................................Vice President, IT Cecelia Smith ............................................ Senior Manager and Executive Assistant Roger Stromberg .......................... Senior Vice President/Professional Development Sebastien Monnet ....................................Vice President/Professional Development Georgia High ........................................Vice President, Accreditation & Certification/ Professional Development John “Buz” Gorman ........................................................General Counsel/Legislative Margaret Liu ....................................Senior Vice President/Deputy General Counsel Edward Smith ................................... Vice President, Membership & Bank Relations Bill Matthews ............................................ Senior Vice President, Mortgage Initiative Tim Doyle ....................................... Vice President/Mortgage Policy and Operations Barbara Michels .................Vice President/Mortgage Information and Development Pete Marks .................................... Vice President/Mortgage Testing and Education Mike Stevens .............................................. Senior Vice President/Regulatory Policy Mary Beth Quist................................. Senior Vice President/Supervisory Processes Chuck Cross .......................................... Vice President/Mortgage Regulatory Policy John Prendergast .................................. Vice President/Non-Depository Suerpvision 21 Arkansas State Bank Department 22 CONSOLIDATED REPORT OF CONDITION DATA 96 STATE CHARTERED COMMERCIAL BANKS (in millions) ASSETS JUNE 30, 2011 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ....................................... $791 b. Interest-bearing balances ................................................................................. 2,251 Securities: a. Held to maturity ................................................................................................. 1,118 b. Available-for sale............................................................................................... 8,743 Federal funds sold and securities purchased under agreements to resell ..................................................... 371 Net Loans and Leases.................................................................................................... 27,769 Trading assets ......................................................................................................................... 1 Premises and fixed assets ................................................................................................ 1,241 Other real estate owned ...................................................................................................... 561 Goodwill and other intangibles ............................................................................................ 943 All other assets ................................................................................................................. 1,981 Total assets ................................................................................................................... $45,770 LIABILITIES Deposits: a. In domestic offices ........................................................................................ $37,334 (1) Noninterest-bearing ....................................................................5,601 (2) Interest-bearing.........................................................................31,733 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 ...................................................... 562 Trading liabilities ...................................................................................................................... 0 Other borrowed money .....................................................................................................2,481 Subordinated notes and debentures ....................................................................................... 2 All other liabilities ................................................................................................................. 314 Total liabilities.................................................................................................................. 40,693 EQUITY CAPITAL Minority interest in consolidated subsidiaries .......................................................................... 4 Perpetual preferred stock ...................................................................................................... 11 Common stock ....................................................................................................................... 20 Surplus .............................................................................................................................. 2,660 Undivided profits ............................................................................................................... 2,382 Total equity capital ............................................................................................................ 5,077 Total liabilities, minority interest and equity capital ......................................................$45,770 Ninety-Seventh Report 23 CONSOLIDATED STATEMENT OF CONDITION OF THE 53 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 2011 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 .................................................................... $9 b. Other Institutions .................................................................................................. 0 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions .................................................................. 277 b. Other Institutions .............................................................................................. 383 U.S. Government and Agency Obligations ................................................................ 473 State, County and Municipal Obligations ................................................................... 273 Other Short-Term Obligations....................................................................................... 26 Other Notes and Bonds .............................................................................................. 123 Money Market Funds .................................................................................................. 305 Other Mutual Funds .................................................................................................... 326 Stocks.......................................................................................................................... 867 Collective Investment Fund Units ................................................................................... 4 Real Estate Mortgages ................................................................................................. 28 Real Estate.................................................................................................................. 220 Miscellaneous Assets ................................................................................................. 214 Other ..........................................................................................................................(15) Total .....................................................................................................................$3,513 LIABILITIES Personal Accounts: 16. Personal Trusts ........................................................................................................ $737 17. Estates & Guardianships ..............................................................................................41 Employee Benefit Accounts: 18. Trusts .......................................................................................................................... 542 19. Agencies ..................................................................................................................... 288 All Other Agencies: 20. Investment Mgmt & Advisory ...................................................................................... 532 21. Custodial ..................................................................................................................... 829 22. All Other ...................................................................................................................... 144 Corporate and Municipal Securities Appointments: 23. Bond Trusteeships ...................................................................................................... 385 24. Agencies ....................................................................................................................... 13 Collective Investment Funds: 25. Employee Benefits .......................................................................................................... 0 26. Other .............................................................................................................................. 0 27. Profit Accounts ................................................................................................................ 0 28. Suspense Accounts ........................................................................................................ 2 29. Total .....................................................................................................................$3,513 24 Arkansas State Bank Department CONSOLIDATED REPORT OF CONDITION DATA 26 NATIONAL BANKS (in millions) ASSETS JUNE 30, 2011 Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ....................................... $279 b. Interest-bearing balances .................................................................................... 877 Securities: a. Held-to-maturity.................................................................................................... 399 b. Available-for-sale .............................................................................................. 1,799 Federal funds sold and securities purchased under agreements to resell ..................................................... 137 Net loans and leases ........................................................................................................ 7,019 Trading assets ......................................................................................................................... 5 Premises and fixed assets ................................................................................................... 336 Other real estate owned ...................................................................................................... 257 Goodwill and other intangibles ............................................................................................ 120 All other assets .................................................................................................................... 399 Total assets ................................................................................................................... $11,627 LIABILITIES Deposits: a. In domestic offices .......................................................................................... $9,568 (1) Noninterest-bearing ....................................................................1,622 (2) Interest-bearing...........................................................................7,946 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 ...................................................... 177 Trading liabilities ...................................................................................................................... 0 Other borrowed money ........................................................................................................482 Subordinated notes and debentures ....................................................................................... 0 All other liabilities ................................................................................................................... 77 Total liabilities.................................................................................................................. 10,304 Minority interest in consolidated subsidiaries .......................................................................... 0 EQUITY CAPITAL Perpetual preferred stock ........................................................................................................ 1 Common stock ....................................................................................................................... 14 Surplus ................................................................................................................................. 682 Undivided profits .................................................................................................................. 626 Total equity capital ............................................................................................................ 1,323 Total liabilities, minority interest and equity capital ......................................................$11,627 Ninety-Seventh Report 25 TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2011 BANK CITY Southern Bancorp Bank Summit Bank First National Banking Company The Bank of Augusta Citizens State Bank The Citizens Bank First Community Bank Bank of Bearden The First National Bank of Berryville Farmers Bank and Trust Company First Western Bank Community State Bank Heartland Community Bank The First National Bank of Izard County Bank of Cave City The Merchants & Planters Bank Centennial Bank First National Bank of Crossett First State Bank Chambers Bank River Town Bank Decatur State Bank Bank of Delight First State Bank of DeQueen Arkansas County Bank DeWitt Bank and Trust Company Merchants and Farmers Bank First Financial Bank Simmons First Bank of El Dorado Bank of England The Eudora Bank Cornerstone Bank Arvest Bank Signature Bank of Arkansas The Bank of Fayetteville Arkadelphia Arkadelphia Ash Flat Augusta Bald Knob Batesville Batesville Bearden Berryville Blytheville Booneville Bradley Bryant Calico Rock Cave City Clarendon Conway Crossett Crossett Danville Dardanelle Decatur Delight DeQueen DeWitt DeWitt Dumas El Dorado El Dorado England Eudora Eureka Springs Fayetteville Fayetteville Fayetteville RATIO 7.25 9.28 10.58 12.17 8.29 9.85 8.64 16.32 13.51 9.02 8.29 9.04 10.35 30.00 9.69 10.76 11.41 9.76 9.60 10.66 10.31 7.68 19.73 8.05 9.27 14.44 8.61 8.62 9.59 10.95 9.43 9.40 8.95 10.51 8.53 26 Arkansas State Bank Department BANK CITY Twin Lakes Community Bank Fordyce Bank & Trust Co. First National Bank of Eastern Arkansas Forrest City Bank, National Association The First National Bank of Fort Smith Bank of Gravett The First National Bank in Green Forest First Service Bank Farmers Bank Farmers Bank Calhoun County Bank Community First Bank Heber Springs State Bank Helena National Bank Horatio State Bank First National Bank Hot Springs Bank & Trust Company Simmons First Bank of Hot Springs First State Bank of Northwest Arkansas First Arkansas Bank and Trust Heritage Bank, National Association Liberty Bank of Arkansas Simmons First Bank of Jonesboro Bank of Lake Village Simmons First Bank of South Arkansas Little River Bank Bank of Little Rock Bank of the Ozarks The Capital Bank Central Bank Eagle Bank and Trust Company Metropolitan National Bank One Bank & Trust, National Association First State Bank Farmers Bank & Trust Company The Peoples Bank The Malvern National Bank First Community Bank of Eastern Arkansas First Delta Bank Bank of McCrory The First National Bank of McGehee Flippin Fordyce Forrest City Forrest City Fort Smith Gravette Green Forest Greenbrier Greenwood Hamburg Hampton Harrison Heber Springs Helena Horatio Hot Springs Hot Springs Hot Springs Huntsville Jacksonville Jonesboro Jonesboro Jonesboro Lake Village Lake Village Lepanto Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Lonoke Magnolia Magnolia Malvern Marion Marked Tree McCrory McGehee RATIO 11.22 10.20 10.22 11.60 11.61 11.49 10.34 9.63 19.89 11.30 8.68 10.04 10.76 13.58 10.24 10.97 11.87 9.09 13.87 11.43 12.67 10.58 9.90 10.75 9.44 11.42 9.53 10.82 11.19 13.59 8.74 5.46 8.41 8.30 8.84 7.69 10.13 12.81 9.92 10.42 12.57 Ninety-Seventh Report 27 BANK CITY McGehee Bank The Union Bank of Mena Commercial Bank & Trust Company Union Bank & Trust Company Petit Jean State Bank First National Bank & Trust Company Ozark Heritage Bank, N. A. Allied Bank Diamond Bank Merchants & Planters Bank National Bank of Arkansas in North Little Rock First National Bank The First National Bank at Paris Delta Trust & Bank Piggott State Bank Pine Bluff National Bank Simmons First National Bank Home Bank of Arkansas Bank of Prescott The Bank of Rison Parkway Bank Pinnacle Bank Simmons First Bank of Northwest Arkansas First State Bank Simmons First Bank of Russellville Bank of Salem Logan County Bank First Security Bank Simmons First Bank of Searcy Peoples Bank Smackover State Bank Riverside Bank Legacy National Bank Bodcaw Bank Bank of Star City Security Bank The Farmers & Merchants Bank Citizens Bank & Trust Company First Community Bank of Crawford County The First National Bank of Lawrence County First State Bank of Warren McGehee Mena Monticello Monticello Morrilton Mountain Home Mountain View Mulberry Murfreesboro Newport North Little Rock Paragould Paris Parkdale Piggott Pine Bluff Pine Bluff Portland Prescott Rison Rogers Rogers Rogers Russellville Russellville Salem Scranton Searcy Searcy Sheridan Smackover Sparkman Springdale Stamps Star City Stephens Stuttgart Van Buren Van Buren Walnut Ridge Warren RATIO 15.48 9.04 10.08 9.55 9.75 11.80 6.98 8.63 9.31 7.74 8.42 11.48 11.09 8.66 9.75 11.85 8.87 9.04 12.87 18.49 9.85 10.67 12.97 10.52 14.95 10.75 17.76 8.40 10.41 12.08 10.16 7.60 10.43 10.34 11.91 7.28 10.00 9.73 8.19 10.51 10.43 28 Arkansas State Bank Department 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 14.12 8.68 9.46 12.81 10.18 Ninety-Seventh Report 29 NATIONAL BANKS JUNE 30, 2011 (000’s omitted) BANK CITY First National Banking Company The First National Bank of Berryville The First National Bank of Izard County First National Bank of Crossett First National Bank of Eastern Arkansas Forrest City Bank, National Association The First National Bank of Fort Smith The First National Bank in Green Forest Helena National Bank First National Bank Heritage Bank, National Association Metropolitan National Bank One Bank & Trust, National Association The Malvern National Bank The First National Bank of McGehee First National Bank and Trust Company Ozark Heritage Bank, N. A. National Bank of Arkansas in North Little Rock First National Bank The First National Bank at Paris Pine Bluff National Bank Simmons First National Bank Legacy National Bank The First National Bank of Lawrence County Fidelity National Bank The First National Bank of Wynne Ash Flat Berryville Calico Rock Crossett Forrest City Forrest City Fort Smith Green Forest Helena Hot Springs Jonesboro Little Rock Little Rock Malvern McGehee Mountain Home Mountain View North Little Rock Paragould Paris Pine Bluff Pine Bluff Springdale Walnut Ridge West Memphis Wynne ASSETS 362,476 138,784 142,373 142,902 338,856 51,291 1,106,438 360,567 177,031 665,967 236,753 1,176,383 430,834 465,023 50,485 382,842 64,668 194,132 671,632 121,080 397,767 1,834,458 253,673 175,396 327,259 258,438 REPORT OF THE NINETY-SIX STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2011 32 Arkansas State Bank Department Southern Bancorp Bank Arkadelphia, AR VOICE: (870) 246-5811 FAX: (870) 246-5284 Trust Powers: Yes Chm: Sherman Tate CEO: Walter Smiley 601 Main Street 71923-0248 Charter Number: 142 Date: September 28, 1903 FDIC Certificate Number: 1528 Home Page: www.banksouthern.com Member of Federal Reserve System Bank Holding Company Southern Bancorp Inc., Arkadelphia, AR CFO/VP: Scott Fife Cash and Due from:.................................... 65,872 Federal Funds and Repos: .................................. 0 Investments: ............................................. 274,517 Net Loans: ................................................ 651,590 Premises and Fixed Assets:........................ 50,868 Other Real Estate: ........................................ 3,491 Other Assets: .............................................. 72,120 Total Assets: .......................................... 1,118,458 Total Trust Assets: ...................................... 14,983 Deposits: .................................................. 900,615 Federal Funds and Borrowings: .................. 92,842 Other Liabilities: ............................................ 7,871 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,001,328 Total Equity Capital: .................................. 117,130 Total Liabilities and Capital: ................... 1,118,458 Number of Shares Outstanding: .................. 24,000 Directors: Hugh Arant, Jr.; Kim Evans; Scott Fife; James W. Harrington; Dr. Glendall Jones, Jr.; Walter Morris, Jr.; Sherman Tate Branches in Town: One Other Branches: Barton, Bismarck, Blytheville (4), Clarksdale[MS] (2), Drew[MS], El Dorado (3), Elaine, Friars Point[MS], Gosnell, Greenville[MS] (2), Helena-West Helena (3), Hernando[MS], Hot Springs (2), Indianola[MS], Lambert[MS], Leland[MS], Madison[MS], Malvern, Manila (2), Marvell, Picayune[MS], Ruleville[MS], Shelby[MS], Sledge[MS], Trumann, Webb[MS] Ninety-Seventh Report 33 Summit Bank Arkadelphia, AR VOICE: (870) 246-8070 FAX: (870) 246-7122 Trust Powers: No 409 Main Street 71923-0965 Charter Number: 767 Date: December 2, 1996 FDIC Certificate Number: 34433 Home Page: www.summitbankdirect.com 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 EVP/CAO: John A. Bryant Cash and Due from: .................................. 115,260 Federal Funds and Repos: .................................. 0 Investments: .............................................. 254,074 Net Loans:................................................. 696,061 Premises and Fixed Assets: ........................ 12,800 Other Real Estate: .........................................1,083 Other Assets: .............................................. 40,941 Total Assets: .......................................... 1,120,219 Total Trust Assets: .............................................. 0 Deposits: ...................................................922,102 Federal Funds and Borrowings: ...................91,441 Other Liabilities:.............................................3,448 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 1,016,991 Total Equity Capital: ..................................103,228 Total Liabilities and Capital: .................... 1,120,219 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, Hope (2), Hot Springs (5), Hot Springs Village, Little Rock (3), 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 Bank Holding Company None Chm: John R. Eldridge Pres: William D. "Bill" Patton CEO/VChm: Charles P. Eldridge SVP: Ronnie Jones Cash and Due from: ...................................... 2,195 Federal Funds and Repos: ............................2,145 Investments: ................................................ 21,500 Net Loans:................................................... 30,115 Premises and Fixed Assets: .............................260 Other Real Estate: ............................................... 0 Other Assets: ................................................ 2,678 Total Assets: ............................................... 58,893 Total Trust Assets: ........................................1,418 Deposits: .....................................................50,255 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................1,431 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................51,686 Total Equity Capital: ......................................7,207 Total Liabilities and Capital: .........................58,893 Number of Shares Outstanding: ....................8,000 Directors: Dr. Steven Collier; Winston Collier; W. P. Daniel, Jr.; W. P. Daniel, III; Charlie Eldridge; John R. Eldridge; R. E. Gregory, Jr.; Ronald Jones Branches in Town: One Other Branches: None 34 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: Wendell Nier VChm/Sec: Molly H. Kircher EVP/Cash: Peggy Reed Cash and Due from:...................................... 2,086 Federal Funds and Repos: ........................... 1,350 Investments: ............................................... 46,975 Net Loans: .................................................. 18,643 Premises and Fixed Assets:............................. 534 Other Real Estate: ........................................... 235 Other Assets: ................................................ 3,988 Total Assets: ............................................... 73,811 Total Trust Assets: ........................................ 2,162 Deposits: .................................................... 65,779 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 833 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 66,612 Total Equity Capital: ...................................... 7,199 Total Liabilities and Capital: ........................ 73,811 Number of Shares Outstanding: .................... 4,000 Directors: Bob J. Clark; Larry E. Kircher; Molly H. Kircher; Wendell Nier; James W. Staggs Branches in Town: Two Other Branches: Bradford First Community Bank Batesville, AR VOICE: (870) 612-3400 FAX: (870) 612-3412 Trust Powers: Yes 1325 Harrison Street 72501-4327 Charter Number: 770 Date: June 20, 1997 FDIC Certificate Number: 34533 Home Page: www.firstcommunity.net Bank Holding Company First Community Bancshares, Inc., Batesville, AR Chm/CEO: Dale E. Cole SVP: Troy Henley Pres/COO: Boris A. Dover VP/TO: Chris Treat Cash and Due from:.................................... 24,068 Federal Funds and Repos: ........................... 1,196 Investments: ............................................. 114,023 Net Loans: ................................................ 535,441 Premises and Fixed Assets:........................ 20,844 Other Real Estate: ........................................ 3,069 Other Assets: .............................................. 12,248 Total Assets: ............................................. 710,889 Total Trust Assets: ...................................... 65,045 Deposits: .................................................. 572,942 Federal Funds and Borrowings: .................. 72,692 Other Liabilities: ............................................ 1,451 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 647,085 Total Equity Capital: .................................... 63,804 Total Liabilities and Capital: ...................... 710,889 Number of Shares Outstanding: .................. 34,523 Directors: Donald C. Bedell; Don Buckliew; Dale E. Cole; Boris A. Dover; Preston W. "Chip" Grace, III; Rick Kent; Ray LaCroix; Dianne Lamberth; Dr. Charles McClain; Frank Tripp; Sheila Wagnon Branches in Town: Two Other Branches: Bald Knob, Cabot, Cave City, Goodman[MO], Hardy, Jane[MO], Mountain Home, Neosho[MO], Searcy (3) Ninety-Seventh Report 35 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: Robb Roberts EVP/Sec: Greg Shaver SVP/TO: Robin Brock Cash and Due from: .................................... 10,830 Federal Funds and Repos: ............................4,535 Investments: .............................................. 145,572 Net Loans:................................................. 333,949 Premises and Fixed Assets: ..........................8,313 Other Real Estate: .........................................2,396 Other Assets: .............................................. 12,081 Total Assets: ............................................. 517,676 Total Trust Assets: ...................................... 82,390 Deposits: ...................................................417,700 Federal Funds and Borrowings: ...................45,233 Other Liabilities:.............................................1,444 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 464,377 Total Equity Capital: ....................................53,299 Total Liabilities and Capital: .......................517,676 Number of Shares Outstanding: ..................16,500 Directors: John Dews; Virginia Henry; Dr. Lackey G. Moody, M.D.; Doyle "Rog" Rogers, Jr.; Doyle W. Rogers; Jay F. Shell; Kay Southerland; Jeffery F. Teague; Paula Terrell Branches in Town: Six Other Branches: Cave City, Imboden, Mountain View, Pleasant Plains 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: ...................................... 3,605 Federal Funds and Repos: ............................3,885 Investments: ..................................................5,703 Net Loans:................................................... 20,540 Premises and Fixed Assets: .............................106 Other Real Estate: ............................................... 0 Other Assets: ...................................................266 Total Assets: ............................................... 34,105 Total Trust Assets: .............................................. 0 Deposits: .....................................................28,241 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 66 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................28,307 Total Equity Capital: ......................................5,798 Total Liabilities and Capital: .........................34,105 Number of Shares Outstanding: ....................8,300 Directors: John E. Anthony; Steven M. Anthony; Rick Green; Kenneth D. Keeton; Ronald A. Ramsay; Ken Riley; Russell G. Weatherly; Betty Word Branches in Town: None Other Branches: None Arkansas State Bank Department 36 Farmers Bank And Trust Company Blytheville, AR VOICE: (870) 763-8101 FAX: (870) 763-3500 Trust Powers: Yes 400 West Main 72316-0688 Charter Number: 253 Date: March 16, 1908 FDIC Certificate Number: 1027 Home Page: www.farmersbankbly.com Member of Federal Reserve System Bank Holding Company Farmers Bancorp, Inc., Blytheville, AR Chm/CEO: Steve Bell CFO: Shelly Crosskno Pres/COO: Randy Scott AVP/TO: Mary Lee Cash and Due from:.................................... 25,106 Federal Funds and Repos: .................................. 0 Investments: ............................................... 20,340 Net Loans: ................................................ 322,608 Premises and Fixed Assets:.......................... 8,417 Other Real Estate: ........................................ 9,000 Other Assets: ................................................ 6,555 Total Assets: ............................................. 392,026 Total Trust Assets: ...................................... 14,466 Deposits: .................................................. 341,939 Federal Funds and Borrowings: .................. 13,620 Other Liabilities: ............................................ 2,027 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 357,586 Total Equity Capital: .................................... 34,440 Total Liabilities and Capital: ...................... 392,026 Number of Shares Outstanding: .................. 40,000 Directors: Steve Bell; Paula O. Blackwell; Ronny Goff; Alvin Huffman, III; John Langston; Gaylon M. Lawrence, Jr.; Randy Scott; Harold Sudbury, Jr. Branches in Town: Four Other Branches: Franklin[TN], Nashville[TN] First Western Bank Booneville, AR VOICE: (479) 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 Reg Pres: Jerry Standridge Reg Pres: Nathan E. Gairhan EVP/CFO: Lynne Coan Cash and Due from:.................................... 12,636 Federal Funds and Repos: ........................... 8,430 Investments: ............................................... 34,295 Net Loans: ................................................ 191,655 Premises and Fixed Assets:.......................... 9,647 Other Real Estate: ...................................... 10,917 Other Assets: .............................................. 11,781 Total Assets: ............................................. 279,361 Total Trust Assets: ............................................... 0 Deposits: .................................................. 251,845 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 3,656 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 255,501 Total Equity Capital: .................................... 23,860 Total Liabilities and Capital: ...................... 279,361 Number of Shares Outstanding: ................ 100,000 Directors: Dan Brown; Bob H. Crafton; Nathan E. Gairhan; John T. Hampton; John Mack; Jack McHaney; David Remy; Howard L. Slinkard; Jerry Standridge; Johnny Williams; DeAnne Witherspoon, O.D.; Jane Woolley; Shirley Young Branches in Town: One Other Branches: Bella Vista, Caulksville, Fort Smith, Magazine, Rogers (3) Ninety-Seventh Report 37 Community State Bank Bradley, AR VOICE: (870) 894-3322 FAX: (870) 894-3324 Trust Powers: No Pres: Lex Golden EVP: 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: Sherri Jones VP/Cash: Regina Wootton Cash and Due from: ...................................... 1,322 Federal Funds and Repos: ............................3,024 Investments: ..................................................6,303 Net Loans:................................................... 16,973 Premises and Fixed Assets: .............................544 Other Real Estate: ............................................181 Other Assets: ...................................................947 Total Assets: ............................................... 29,294 Total Trust Assets: .............................................. 0 Deposits: .....................................................26,056 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 29 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................26,085 Total Equity Capital: ......................................3,209 Total Liabilities and Capital: .........................29,294 Number of Shares Outstanding: ..................10,000 Directors: John Bishop; Alex Golden; Lex Golden; Jeffrey C. Hobbs; Ben Rice; Frank Swift Branches in Town: None Other Branches: None Heartland Community Bank Bryant, AR VOICE: (501) 847-7982 FAX: (501) 847-7983 Trust Powers: No 4937 Highway 5 North 72022 Charter Number: 791 Date: July 17, 2008 FDIC Certificate Number: 28761 Home Page: www.heartlandbankonline.com Member of Federal Reserve System Bank Holding Company Rock Bancshares, Inc., Little Rock, AR CEO: Richard D. O'Brien SVP: Joe Gregory EVP: Mark S. Hoffpauir CFO: Judy Lawton Cash and Due from: ...................................... 2,147 Federal Funds and Repos: ............................3,600 Investments: ................................................ 13,025 Net Loans:................................................. 132,817 Premises and Fixed Assets: ..........................4,891 Other Real Estate: .........................................3,549 Other Assets: ................................................ 8,805 Total Assets: ............................................. 168,834 Total Trust Assets: .............................................. 0 Deposits: ...................................................134,791 Federal Funds and Borrowings: ...................12,629 Other Liabilities:............................................... 970 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 148,390 Total Equity Capital: ....................................20,444 Total Liabilities and Capital: .......................168,834 Number of Shares Outstanding: ................487,958 Directors: Steve Didion; Richard D. O'Brien; L. Walter Quinn, Jr. Branches in Town: None Other Branches: Sheridan Fordyce, Little Rock, Arkansas State Bank Department 38 Bank of Cave City Cave City, AR VOICE: (870) 283-5301 FAX: (870) 283-6466 Trust Powers: Yes 133 South Main Street 72521-0490 Charter Number: 209 Date: July 2, 1906 FDIC Certificate Number: 105 Home Page: www.bankofcavecity.com Bank Holding Company Sharp Bancshares, Inc., Cave City, AR Chm/CEO/Pres/TO: Samuel F. Beller SVP/Cash: Wanda Daniel SVP: Gayla Hickman Cash and Due from:...................................... 2,887 Federal Funds and Repos: ................................ 55 Investments: ............................................... 24,107 Net Loans: .................................................. 59,880 Premises and Fixed Assets:............................. 905 Other Real Estate: ........................................ 1,758 Other Assets: ................................................ 5,885 Total Assets: ............................................... 95,477 Total Trust Assets: ............................................... 0 Deposits: .................................................... 77,253 Federal Funds and Borrowings: .................... 6,817 Other Liabilities: ............................................ 1,284 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 85,354 Total Equity Capital: .................................... 10,123 Total Liabilities and Capital: ........................ 95,477 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:...................................... 2,180 Federal Funds and Repos: ........................... 3,180 Investments: ............................................... 20,710 Net Loans: .................................................. 12,103 Premises and Fixed Assets:............................. 324 Other Real Estate: ............................................... 0 Other Assets: ................................................... 352 Total Assets: ............................................... 38,849 Total Trust Assets: ............................................... 0 Deposits: .................................................... 33,961 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 236 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 34,197 Total Equity Capital: ...................................... 4,652 Total Liabilities and Capital: ........................ 38,849 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-Seventh Report 39 Centennial Bank Conway, AR VOICE: (501) 328-4663 FAX: (501) 328-4601 Trust Powers: Yes 620 Chestnut Street 72032 Charter Number: 118 Date: May 12, 1903 FDIC Certificate Number: 11241 Home Page: www.my100bank.com Member of Federal Reserve System Bank Holding Company Home BancShares, Inc., Conway, AR Chm: John W. Allison EVP: Kevin Hester CEO/Pres: C. Randall Sims EVP: Randy E. Mayor Cash and Due from: .................................. 281,339 Federal Funds and Repos: ............................7,595 Investments: .............................................. 541,534 Net Loans:.............................................. 2,304,170 Premises and Fixed Assets: ........................ 90,121 Other Real Estate: ....................................... 41,796 Other Assets: ............................................ 411,331 Total Assets: .......................................... 3,677,886 Total Trust Assets: .............................................. 0 Deposits: ................................................ 2,955,714 Federal Funds and Borrowings: .................215,756 Other Liabilities:...........................................19,297 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 3,190,767 Total Equity Capital: ..................................487,119 Total Liabilities and Capital: .................... 3,677,886 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), Eastpoint[FL], Fordyce, Greenbrier, Heber Springs, Islamorada[FL], Jacksonville (3), Key Largo[FL], Key West[FL] (4), Lake Mary[FL], Little Rock (10), Longwood[FL], Marathon[FL] (2), Marco Island[FL], Mayflower, Mexico Beach[FL] (2), Morrilton, Mountain View (2), North Little Rock (6), Orlando[FL] (2), Panacea[FL], Panama City[FL] (3), Panama City Beach[FL] (2), Port Charlotte[FL], Port Saint Joe[FL], Punta Gorda[FL], Quitman, Rison, Saint George Island[FL], Searcy (3), Sherwood (2), Summerland Key[FL], Tallahassee[FL] (5), Vilonia, Ward, Winter Park[FL] 40 Arkansas State Bank Department First State Bank Crossett, AR VOICE: (870) 364-5131 FAX: (870) 364-6329 Trust Powers: No 200 Pine Street 71635-0638 Charter Number: 718 Date: May 13, 1963 FDIC Certificate Number: 18987 Home Page: www.fsbcrossett.com Bank Holding Company Evergreen Bancshares, Inc., Crossett, AR Chm: Richard E. Griffin VP: David H. Bell CEO/Pres: Howard M. Beaty, Jr. VP: Tressie A. Mills Cash and Due from:...................................... 5,125 Federal Funds and Repos: .............................. 197 Investments: ............................................... 13,455 Net Loans: .................................................. 17,170 Premises and Fixed Assets:.......................... 1,391 Other Real Estate: ........................................... 849 Other Assets: ................................................ 1,143 Total Assets: ............................................... 39,330 Total Trust Assets: ............................................... 0 Deposits: .................................................... 35,467 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 153 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 35,620 Total Equity Capital: ...................................... 3,710 Total Liabilities and Capital: ........................ 39,330 Number of Shares Outstanding: ................ 100,000 Directors: Howard M. Beaty, Jr.; Patricia Draper; Richard E. Griffin; Harry D. Stephens, Jr.; Dr. John D. Tice; Barney White Branches in Town: Two Other Branches: None Chambers Bank Danville, AR VOICE: (479) 495-2236 FAX: (479) 495-4650 Trust Powers: No 901 Main 72833-0609 Charter Number: 615 Date: October 3, 1930 FDIC Certificate Number: 5615 Home Page: www.chambers-bank.com Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm: Edward J. Taylor EVP: Philip Alexander CEO/Pres: Bill Donnell Cash and Due from:...................................... 8,331 Federal Funds and Repos: ......................... 24,485 Investments: ............................................... 51,033 Net Loans: ................................................ 564,779 Premises and Fixed Assets:........................ 11,496 Other Real Estate: ...................................... 26,546 Other Assets: .............................................. 28,934 Total Assets: ............................................. 715,604 Total Trust Assets: ............................................... 0 Deposits: .................................................. 599,304 Federal Funds and Borrowings: .................. 30,599 Other Liabilities: ............................................ 4,845 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 634,748 Total Equity Capital: .................................... 80,856 Total Liabilities and Capital: ...................... 715,604 Number of Shares Outstanding: .................. 10,000 Directors: Thomas Akin; John Ed Chambers, III; Bill Donnell; Nathan George; Robert R. Redfern; Edward J. Taylor Branches in Town: One Other Branches: Amity, Bentonville, Dardanelle, Elkins (2), Fayetteville, Fort Smith (2), Goshen, Havana, Hot Springs, Hot Springs Village, Kirby, Mansfield, Mena, Springdale (2), Waldron Ninety-Seventh Report 41 River Town Bank Dardanelle, AR VOICE: (479) 229-3311 FAX: (479) 229-4180 Trust Powers: Yes 102 North Front Street 72834-0577 Charter Number: 668 Date: September 12, 1934 FDIC Certificate Number: 14749 Home Page: www.rivertownbank.com Bank Holding Company Bank of Dardanelle Bankshares, Inc., Dardanelle, AR Chm: Ronald L. Taylor SVP: Tom Ed Bullock Pres: William R. Bullock Cash: Janelle Parker Cash and Due from: .................................... 23,417 Federal Funds and Repos: .................................. 0 Investments: ..................................................4,983 Net Loans:................................................. 132,752 Premises and Fixed Assets: ..........................6,789 Other Real Estate: .........................................1,647 Other Assets: ................................................ 4,461 Total Assets: ............................................. 174,049 Total Trust Assets: .............................................. 0 Deposits: ...................................................145,273 Federal Funds and Borrowings: .....................9,554 Other Liabilities:............................................... 696 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 155,523 Total Equity Capital: ....................................18,526 Total Liabilities and Capital: .......................174,049 Number of Shares Outstanding: ....................8,000 Directors: Dee Abrams; Barbara Bullock; Bunny Bullock; Tom Ed Bullock; William R. Bullock, Sr.; Fanny George; Blake Tarpley; Ronald L. Taylor; Adam C. Waldron Branches in Town: One Other Branches: Atkins, Conway (2), Danville, Dover, Russellville (2) Decatur State Bank Decatur, AR VOICE: (479) 752-3281 FAX: (479) 752-8154 Trust Powers: No Hwy. 59 North 72722-0038 Charter Number: 707 Date: May 27, 1954 FDIC Certificate Number: 17346 Home Page: www.decaturstatebank.net Bank Holding Company Peterson Holding Company, Decatur, AR Chm/Pres: R. Mark Londagin Cash: Wanda Tormey Cash and Due from: ...................................... 3,124 Federal Funds and Repos: .......................... 12,200 Investments: ................................................ 10,801 Net Loans:................................................. 142,136 Premises and Fixed Assets: ..........................4,060 Other Real Estate: .........................................2,738 Other Assets: ................................................ 3,273 Total Assets: ............................................. 178,332 Total Trust Assets: .............................................. 0 Deposits: ...................................................156,654 Federal Funds and Borrowings: .....................7,000 Other Liabilities:............................................... 251 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 163,905 Total Equity Capital: ....................................14,427 Total Liabilities and Capital: .......................178,332 Number of Shares Outstanding: ....................7,000 Directors: Tom M. Edmiston; Debbie Evans; M. Elaine Gardner; Aaron Holcombe; R. Mark Londagin; Richard E. Wilmoth Branches in Town: None Other Branches: Gentry, Siloam Springs 42 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:...................................... 3,294 Federal Funds and Repos: ........................... 8,190 Investments: ............................................... 19,318 Net Loans: .................................................. 48,526 Premises and Fixed Assets:............................. 332 Other Real Estate: ........................................... 366 Other Assets: ................................................ 1,233 Total Assets: ............................................... 81,259 Total Trust Assets: ............................................... 0 Deposits: .................................................... 64,554 Federal Funds and Borrowings: ....................... 101 Other Liabilities: ............................................... 103 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 64,758 Total Equity Capital: .................................... 16,501 Total Liabilities and Capital: ........................ 81,259 Number of Shares Outstanding: .................. 15,583 Directors: Gary Chambliss; Rodney Fagan; Darwin Hendrix; David B. Hendrix; Bev Jordan; James E. May; Jerry Milam; Rusty Silvey Branches in Town: None Other Branches: Prescott First State Bank of DeQueen DeQueen, AR VOICE: (870) 642-4423 FAX: (870) 642-2847 Trust Powers: No 402 West Collin Raye Drive 71832-0970 Charter Number: 731 Date: August 26, 1974 FDIC Certificate Number: 21805 Home Page: www.fsbdequeen.com Member of Federal Reserve System Bank Holding Company First State Bancshares, Inc., DeQueen, AR Chm: Dennis Smiley EVP: Noel Bard CEO/Pres: Gary L. Golden SVP: J. Marc Jackson Cash and Due from:...................................... 6,124 Federal Funds and Repos: .............................. 269 Investments: ............................................... 43,325 Net Loans: ................................................ 118,255 Premises and Fixed Assets:.......................... 5,613 Other Real Estate: ........................................... 304 Other Assets: ................................................ 5,468 Total Assets: ............................................. 179,358 Total Trust Assets: ............................................... 0 Deposits: .................................................. 159,229 Federal Funds and Borrowings: .................... 4,416 Other Liabilities: ............................................ 1,536 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 165,181 Total Equity Capital: .................................... 14,177 Total Liabilities and Capital: ...................... 179,358 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-Seventh Report 43 Arkansas County Bank DeWitt, AR VOICE: (870) 946-3551 FAX: (870) 946-1562 Trust Powers: Yes 220 West Cross Street 72042 Charter Number: 790 Date: September 26, 2006 FDIC Certificate Number: 3858 Home Page: www.arkansascountybank.com Bank Holding Company DeWitt First Bankshares Corporation, DeWitt, AR CEO/Pres: Warren A. Jennings, Jr. VP/Cash: Mary Jacobs EVP: Gary Oltmann VP/TO: Gena M. Jennings Cash and Due from: .................................... 13,517 Federal Funds and Repos: .................................. 0 Investments: ................................................ 32,736 Net Loans:................................................. 103,231 Premises and Fixed Assets: ..........................4,878 Other Real Estate: ............................................... 0 Other Assets: ................................................ 2,402 Total Assets: ............................................. 156,764 Total Trust Assets: ...................................... 21,957 Deposits: ...................................................118,689 Federal Funds and Borrowings: ...................22,820 Other Liabilities:............................................... 181 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 141,690 Total Equity Capital: ....................................15,074 Total Liabilities and Capital: .......................156,764 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: .................................... 14,864 Federal Funds and Repos: .................................. 0 Investments: ................................................ 53,014 Net Loans:................................................... 56,650 Premises and Fixed Assets: .............................905 Other Real Estate: .........................................1,994 Other Assets: ................................................ 8,548 Total Assets: ............................................. 135,975 Total Trust Assets: ...................................... 36,511 Deposits: .....................................................89,910 Federal Funds and Borrowings: ...................23,652 Other Liabilities:............................................... 973 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 114,535 Total Equity Capital: ....................................21,440 Total Liabilities and Capital: .......................135,975 Number of Shares Outstanding: ..................54,000 Directors: Tricia Bull; Donald Ray Dickson; James L. Fly, Jr.; David L. Jessup; Charles E. Lumsden; Nancy F. Rasco; Jack Whitmore Branches in Town: None Other Branches: Gillett, St. Charles 44 Arkansas State Bank Department Merchants & Farmers Bank Dumas, AR VOICE: (870) 382-4311 FAX: (870) 382-5901 Trust Powers: Yes 500 Highway 65 South 71639 Charter Number: 278 Date: May 10, 1909 FDIC Certificate Number: 8735 Home Page: www.mfbanknet.com Bank Holding Company M & F Financial Corporation, Dumas, AR CEO/Pres: J. Michael Jones COO: L. Ashton Adcock EVP: Betty B. Trites TO: Glenda B. Owen Cash and Due from:...................................... 2,745 Federal Funds and Repos: ........................... 7,985 Investments: ............................................... 21,266 Net Loans: .................................................. 50,548 Premises and Fixed Assets:.......................... 3,129 Other Real Estate: ............................................. 57 Other Assets: ................................................ 4,766 Total Assets: ............................................... 90,496 Total Trust Assets: ...................................... 27,104 Deposits: .................................................... 81,471 Federal Funds and Borrowings: ....................... 639 Other Liabilities: ............................................... 281 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 82,391 Total Equity Capital: ...................................... 8,105 Total Liabilities and Capital: ........................ 90,496 Number of Shares Outstanding: .................. 40,000 Directors: L. Ashton Adcock; Jimmie L. Appleberry; Benny M. Estes; L. Sue Frank; Bruce Gasaway; Brooks Gill; Marion S. Gill; James L. Hill; J. Michael Jones; Don Livingston; William W. Shea; David Walt Branches in Town: One Other Branches: None First Financial Bank El Dorado, AR VOICE: (870) 863-7000 FAX: (870) 881-5393 Trust Powers: No 214 North Washington Street Charter Number: 778 71730-1754 Date: April 15, 1999 FDIC Certificate Number: 28905 Home Page: www.ffb1.com Member of Federal Reserve System Bank Holding Company First Financial Banc Corporation, El Dorado, AR Chm: Edwin B. Alderson, Jr. EVP/COO: Jerry Bullard CEO: J. Stephen Cameron CFO: Melissa Jerry Cash and Due from:.................................... 14,588 Federal Funds and Repos: ......................... 27,962 Investments: ............................................... 20,317 Net Loans: ................................................ 647,400 Premises and Fixed Assets:.......................... 9,585 Other Real Estate: ........................................ 8,004 Other Assets: .............................................. 35,037 Total Assets: ............................................. 762,893 Total Trust Assets: ............................................... 0 Deposits: .................................................. 583,061 Federal Funds and Borrowings: ................ 109,070 Other Liabilities: ............................................ 1,977 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 694,108 Total Equity Capital: .................................... 68,785 Total Liabilities and Capital: ...................... 762,893 Number of Shares Outstanding: ................ 704,757 Directors: Edwin B. Alderson, Jr.; Jerry Bullard; J. Stephen Cameron; Chris Hegi; Robert Merkle; John D. Milam; James M. Moore, Jr.; Robert M. Murfee; Margaret M. Niel; Jeffrey W. Nolan; William C. Nolan, Jr.; Gary W. Sewell; Dr. Stephen C. Smart; Louis Knox White Branches in Town: Five Other Branches: Carthage[MS], Senatobia[MS], Smackover Ninety-Seventh Report 45 Simmons First Bank of El Dorado El Dorado, AR VOICE: (870) 862-8161 FAX: (870) 881-5129 Trust Powers: Yes 100 W. Grove 71730-5642 Charter Number: 792 Date: December 17, 2010 FDIC Certificate Number: 3860 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Robert L. Robinson, IV SVP: Asa "Buddy" Lockwood SVP: Leslie “Snuggs” Brown VP: Elizabeth "Betty" Flournoy Cash and Due from: .................................... 37,052 Federal Funds and Repos: .................................. 0 Investments: ................................................ 92,802 Net Loans:................................................... 85,102 Premises and Fixed Assets: ..........................3,591 Other Real Estate: ............................................... 9 Other Assets: ................................................ 6,372 Total Assets: ............................................. 224,928 Total Trust Assets: .............................................. 0 Deposits: ...................................................189,029 Federal Funds and Borrowings: ...................12,250 Other Liabilities:.............................................1,583 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 202,862 Total Equity Capital: ....................................22,066 Total Liabilities and Capital: .......................224,928 Number of Shares Outstanding: ...................... 600 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 Branches in Town: Three Other Branches: Strong Bank of England England, AR VOICE: (501) 842-2555 FAX: (501) 842-2422 Trust Powers: No 123 South Main Street 72046-0070 Charter Number: 48 Date: August 8, 1898 FDIC Certificate Number: 13303 Home Page: www.bankofengland-ar.com Bank Holding Company MHBC Investments Limited Partnership, I, England, AR Chm/CEO/Pres: Gary Canada, Sr. VP: Allen Evans EVP: Hanna B. Canada Cash: Sheila Rice Cash and Due from: ...................................... 3,166 Federal Funds and Repos: ............................1,810 Investments: ................................................ 41,190 Net Loans:................................................. 158,104 Premises and Fixed Assets: ..........................4,411 Other Real Estate: ............................................563 Other Assets: ................................................ 8,328 Total Assets: ............................................. 217,572 Total Trust Assets: .............................................. 0 Deposits: ...................................................173,781 Federal Funds and Borrowings: ...................16,660 Other Liabilities:.............................................4,028 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 194,469 Total Equity Capital: ....................................23,103 Total Liabilities and Capital: .......................217,572 Number of Shares Outstanding: ..................10,000 Directors: James Neal Anderson; Brad Canada; Gary Canada, Jr.; Gary Canada, Sr.; Hanna B. Canada; Samuel C. Cobb; Leon Hill; Nicole Canada Luebke Branches in Town: One Other Branches: Carlisle, Little Rock, Lonoke, North Little Rock 46 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:...................................... 1,433 Federal Funds and Repos: .................................. 0 Investments: ............................................... 15,135 Net Loans: .................................................. 11,762 Premises and Fixed Assets:............................. 142 Other Real Estate: ............................................... 0 Other Assets: ................................................... 543 Total Assets: ............................................... 29,015 Total Trust Assets: ............................................... 0 Deposits: .................................................... 26,047 Federal Funds and Borrowings: ......................... 20 Other Liabilities: ................................................. 78 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 26,145 Total Equity Capital: ...................................... 2,870 Total Liabilities and Capital: ........................ 29,015 Number of Shares Outstanding: .................. 14,000 Directors: Kay Avery; Robert D. Avery; Fred W. Hensley; Roger Hensley, Sr.; Gene Keith; Charles F. Poole; Robert Schultz; W. R. Selman Branches in Town: None Other Branches: None Cornerstone Bank Eureka Springs, AR VOICE: (479) 253-2265 FAX: (479) 253-1165 Trust Powers: No 70 South Main 72632-0309 Charter Number: 374 Date: May 4, 1912 FDIC Certificate Number: 5635 Home Page: www.cstonebank.net Bank Holding Company Eureka Bancshares, Inc., Eureka Springs, AR CEO/Pres: Charles T. Cross Cash and Due from:...................................... 2,991 Federal Funds and Repos: .................................. 0 Investments: ............................................... 38,799 Net Loans: .................................................. 86,297 Premises and Fixed Assets:.......................... 7,841 Other Real Estate: ........................................ 2,651 Other Assets: ................................................ 5,461 Total Assets: ............................................. 144,040 Total Trust Assets: ............................................... 0 Deposits: .................................................. 121,198 Federal Funds and Borrowings: .................... 7,999 Other Liabilities: ............................................... 779 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 129,976 Total Equity Capital: .................................... 14,064 Total Liabilities and Capital: ...................... 144,040 Number of Shares Outstanding: .................... 4,000 Directors: Genes L. Bland; Charles T. Cross; Claude C. Cross; John F. Cross, Sr.; Johnice Cross; Lewis E. Epley, Jr.; William E. Goff; Rex A. Gustin; Michael Mathews; Daniel J. Mumaugh; Archie B. Ryan, Jr.; Randy Wolfinbarger Branches in Town: One Other Branches: Berryville, Holiday Island Ninety-Seventh Report 47 Arvest Bank Fayetteville, AR VOICE: (479) 750-1400 FAX: (479) 770-1615 Trust Powers: Yes 75 North East Street 72702-1327 Charter Number: 31 Date: December 24, 1892 FDIC Certificate Number: 8728 Home Page: www.arvest.com Member of Federal Reserve System Bank Holding Company Arvest Holdings, Inc., Bentonville, AR Chm/CEO: Jim C. Walton EVP: J. Robert Kelly Pres/COO: K. Kevin Sabin EVP/CFO: Karla S. Payne Cash and Due from: ............................... 1,554,231 Federal Funds and Repos: .................................. 0 Investments: ........................................... 1,932,843 Net Loans:.............................................. 7,011,820 Premises and Fixed Assets: ...................... 354,707 Other Real Estate: ....................................... 92,214 Other Assets: ......................................... 1,018,350 Total Assets: ........................................ 11,964,165 Total Trust Assets: .............................................. 0 Deposits: ................................................ 9,921,711 Federal Funds and Borrowings: .................658,172 Other Liabilities:......................................... 103,586 Subordinated Debt: ............................................. 0 Total Liabilities: .................................... 10,683,469 Total Equity Capital: ............................... 1,280,696 Total Liabilities and Capital: .................. 11,964,165 Number of Shares Outstanding: ................350,692 Directors: Claudia Bratcher; Cliff Gibbs; Scott Grigsby; J. Robert Kelly; James M. King; Bradley Krieger; Karla S. Payne; Phillip O. Porter; K. Kevin Sabin; Jim C. Walton Branches in Town: 10 Other Branches: Ada[OK], Alma, Anderson[MO], Bartlesville[OK] (5), Bella Vista (3), Benton, Bentonville (5), Berryville (2), Branson[MO] (2), Broken Arrow[OK] (3), Bryant, Bull Shoals, Cabot, Caney[KS], Carthage[MO] (2), Centerton, Chickasha[OK], Choctaw[OK], Clarksville (2), Conway (3), Coweta[OK], Del City[OK], Dewey[OK] (2), Duncan[OK] (3), Edmond[OK] (5), Elgin[OK], Eufaula[OK], Eureka Springs, Farmington, Flippin, Fort Smith (9), Gardner[KS], Gentry, Gravette, Greenwood, Grove[OK], Harrison (3), Hindsville, Holiday Island, Hollister[MO], Hot Springs (3), Huntsville, Jacksonville, Jay[OK], Jenks[OK], Joplin[MO] (5), Kansas [OK], Kansas City[MO], Lawton[OK] (4), Lead Hill, Leawood[KS], Lee's Summit[MO] (2), Lenexa[KS], Lincoln, Little Rock (10), Lonoke, Lowell, Maumelle, McAlester[OK], Mena, Miami[OK], Midwest City[OK], Mission[KS], Moore[OK], Morrilton, Mountain Home (2), Muskogee[OK] (2), Neosho[MO] (2), Nixa[MO], Noel[MO], Norman[OK] (7), North Little Rock (3), Nowata[OK] (2), Oklahoma City[OK] (9), Okmulgee[OK], Ottawa[KS], Overland Park[KS] (2), Owasso[OK] (2), Paris, Pea Ridge, Pineville[MO], Poteau[OK], Prairie Grove (2), Pryor[OK] (2), Rogers (7), Russellville (3), Sallisaw[OK] (2), Sand Springs[OK], Sapulpa[OK], Shawnee[OK] (3), Shell Knob[MO], Sherwood (2), Siloam Springs (3), Springdale (6), Springfield[MO] (3), Stillwater[OK] (2), Stilwell[OK], Tahlequah[OK], Tontitown, Tulsa[OK] (19), Van Buren (3), Vinita[OK], Wagoner[OK], Walters[OK], Webb City[MO], West Fork, Westville[OK], Yellville, Yukon[OK] 48 Arkansas State Bank Department Signature Bank of Arkansas Fayetteville, AR VOICE: (479) 684-3700 FAX: (479) 684-3795 Trust Powers: Yes 3878 N. Crossover Road, Suite 20 72703 Charter Number: 660 Date: August 28, 1933 FDIC Certificate Number: 89 Home Page: www.sbofa.com Bank Holding Company White River Bancshares Company, Fayetteville, AR Chm/CEO/Pres/TO: Gary R. Head CCO: Daniel J. Lewis CFO: Russell W. Nugent, Jr. COO: Marilyn Hendricks Cash and Due from:...................................... 8,973 Federal Funds and Repos: ........................... 7,835 Investments: ............................................... 51,750 Net Loans: ................................................ 385,094 Premises and Fixed Assets:.......................... 7,351 Other Real Estate: ...................................... 22,390 Other Assets: .............................................. 19,596 Total Assets: ............................................. 502,989 Total Trust Assets: ........................................... 491 Deposits: .................................................. 387,887 Federal Funds and Borrowings: .................. 52,775 Other Liabilities: ............................................ 2,384 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 443,046 Total Equity Capital: .................................... 59,943 Total Liabilities and Capital: ...................... 502,989 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:.................................... 13,336 Federal Funds and Repos: .................................. 0 Investments: ............................................... 63,125 Net Loans: ................................................ 279,498 Premises and Fixed Assets:.......................... 8,225 Other Real Estate: ...................................... 15,181 Other Assets: .............................................. 17,748 Total Assets: ............................................. 397,113 Total Trust Assets: ...................................... 53,091 Deposits: .................................................. 327,010 Federal Funds and Borrowings: .................. 28,493 Other Liabilities: ............................................ 2,026 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 357,529 Total Equity Capital: .................................... 39,584 Total Liabilities and Capital: ...................... 397,113 Number of Shares Outstanding: ................ 847,569 Directors: Larry Baggett; Woody Bassett; Mary Beth Brooks; Bob Daugherty; Frank Kelly; David McClinton; Ann Rosso; Curtis Shipley; Kent Starr Branches in Town: Four Other Branches: Farmington, Prairie Grove, West Fork Ninety-Seventh Report 49 Twin Lakes Community Bank Flippin, AR VOICE: (870) 453-8522 FAX: (870) 453-8525 Trust Powers: No 301 South First Street 72634 Charter Number: 620 Date: December 2, 1930 FDIC Certificate Number: 15880 Home Page: www.tlcbank.net Member of Federal Reserve System Bank Holding Company First National Corporation of Wynne, Wynne, AR Chm/CEO/Pres: Judy R. Loving COO/VP: Sandy Garrison CFO/VP: Marcus Walser Cash and Due from: ...................................... 2,549 Federal Funds and Repos: ............................5,160 Investments: ................................................ 10,148 Net Loans:................................................... 58,883 Premises and Fixed Assets: ..........................4,369 Other Real Estate: ............................................276 Other Assets: ................................................ 1,591 Total Assets: ............................................... 82,976 Total Trust Assets: .............................................. 0 Deposits: .....................................................72,945 Federal Funds and Borrowings: ....................... 100 Other Liabilities:............................................... 196 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................73,241 Total Equity Capital: ......................................9,735 Total Liabilities and Capital: .........................82,976 Number of Shares Outstanding: ................469,594 Directors: Keith Daffron; Jeff Gilbrech; Randy Hopper; Philip Hurst; Judy R. Loving; Jeff Magness; Sean Williams Branches in Town: None Other Branches: Mountain Home, Norfork Fordyce Bank & Trust Company Fordyce, AR VOICE: (870) 352-3107 FAX: (870) 352-5202 Trust Powers: Yes 200 West Fourth Street 71742-2202 Charter Number: 631 Date: January 5, 1931 FDIC Certificate Number: 1028 Home Page: www.fordycebank.com Member of Federal Reserve System Bank Holding Company FBT Bancshares, Inc., Fordyce, AR Chm/CEO/Pres/TO: James V. Hulse, Jr. EVP: Bruce Dawson EVP: Suzette Crutchfield EVP: Don Lyle Cash and Due from: .................................... 15,366 Federal Funds and Repos: .................................. 0 Investments: ................................................ 47,627 Net Loans:................................................... 54,328 Premises and Fixed Assets: ..........................2,383 Other Real Estate: ............................................144 Other Assets: ................................................ 4,902 Total Assets: ............................................. 124,750 Total Trust Assets: ........................................1,204 Deposits: .....................................................93,814 Federal Funds and Borrowings: ...................15,550 Other Liabilities:.............................................2,461 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 111,825 Total Equity Capital: ....................................12,925 Total Liabilities and Capital: .......................124,750 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 50 Arkansas State Bank Department Bank of Gravett Gravette, AR VOICE: (479) 787-5251 FAX: (479) 787-6102 Trust Powers: No 211 Main Street SE 72736 Charter Number: 46 Date: February 28, 1898 FDIC Certificate Number: 5636 Home Page: www.bankofgravett.net Bank Holding Company Gravett Bancshares, Inc., Gravette, AR CEO/Pres: John R. Meade SVP: Kenny Hancock EVP/COO: David N. Wills SVP: Jim Sloan Cash and Due from:...................................... 6,201 Federal Funds and Repos: ........................... 4,525 Investments: ............................................... 43,028 Net Loans: .................................................. 78,761 Premises and Fixed Assets:.......................... 3,017 Other Real Estate: ........................................ 3,625 Other Assets: ................................................ 7,761 Total Assets: ............................................. 146,918 Total Trust Assets: ............................................... 0 Deposits: .................................................. 124,131 Federal Funds and Borrowings: .................... 5,000 Other Liabilities: ............................................... 873 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 130,004 Total Equity Capital: .................................... 16,914 Total Liabilities and Capital: ...................... 146,918 Number of Shares Outstanding: .................... 4,000 Directors: Albert P. Dunagin; Sharron Edmondson; Jim A. Edmonson; Kenny R. Hancock; 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 72058-0430 Charter Number: 732 Date: October 15, 1976 FDIC Certificate Number: 18519 Home Page: www.1stServiceBank.com Bank Holding Company First Service Bancshares, Inc., Greenbrier, AR Chm/CEO/Pres: Thomas H. Grumbles CFO/COO: Kenneth Barnard Reg Pres: Phillip Ellis Cash and Due from:...................................... 7,945 Federal Funds and Repos: ........................... 9,080 Investments: ............................................... 17,300 Net Loans: ................................................ 152,209 Premises and Fixed Assets:.......................... 9,518 Other Real Estate: ........................................ 3,302 Other Assets: ................................................ 4,398 Total Assets: ............................................. 203,752 Total Trust Assets: ............................................... 0 Deposits: .................................................. 176,341 Federal Funds and Borrowings: .................... 6,587 Other Liabilities: ............................................ 1,229 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 184,157 Total Equity Capital: .................................... 19,595 Total Liabilities and Capital: ...................... 203,752 Number of Shares Outstanding: .................. 15,000 Directors: James Beavers; Steve Bone; Dr. Gary Bowman; Melton Cotton; Thomas H. Grumbles; Jim Hawks; Dr. Kyle D. Hensley; Dois "Dyke" Johnson; Jerry Kimbrough; Veda McCaslin; Larry Oaks Branches in Town: None Other Branches: Clinton (2), Dermott, Flippin, Marshall, Mountain View, Shirley, Yellville Ninety-Seventh Report 51 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: ...................................... 3,526 Federal Funds and Repos: .......................... 10,600 Investments: ................................................ 68,366 Net Loans:................................................... 80,718 Premises and Fixed Assets: ........................ 17,260 Other Real Estate: .........................................2,663 Other Assets: ................................................ 3,838 Total Assets: ............................................. 186,971 Total Trust Assets: ........................................3,811 Deposits: ...................................................147,929 Federal Funds and Borrowings: ....................... 281 Other Liabilities:............................................... 242 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 148,452 Total Equity Capital: ....................................38,519 Total Liabilities and Capital: .......................186,971 Number of Shares Outstanding: ....................7,500 Directors: Tresa Lowe; Edward Wilkinson; Elizabeth Wilkinson; Norman Wilkinson; Stanhope Wilkinson; Susan Wilkinson Branches in Town: One Other Branches: Barling, Bonanza, Fort Smith (2), Hackett, Hartford, Huntington, Lavaca, Mansfield Farmers Bank Hamburg, AR VOICE: (870) 853-5222 FAX: (870) 853-2333 Trust Powers: No Chm: Nancy Foote Spivey CEO/Pres: Kenneth Allbritton 210 North Main 71646-0350 Charter Number: 680 Date: March 10, 1941 FDIC Certificate Number: 15810 Bank Holding Company None VP: Virginia Bowman VP/Cash: June M. Golden Cash and Due from: .................................... 10,352 Federal Funds and Repos: .................................. 0 Investments: ................................................ 18,084 Net Loans:................................................... 10,898 Premises and Fixed Assets: .............................758 Other Real Estate: ............................................407 Other Assets: ...................................................643 Total Assets: ............................................... 41,142 Total Trust Assets: .............................................. 0 Deposits: .....................................................36,393 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 75 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................36,468 Total Equity Capital: ......................................4,674 Total Liabilities and Capital: .........................41,142 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 52 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.ccb-fbsa.com Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm: Searcy W. Harrell, Jr. Reg Pres: Jonathan Harrell CEO/Pres: Phillip J. Foster Reg Pres: John F. Marsh Cash and Due from:...................................... 5,093 Federal Funds and Repos: ........................... 3,735 Investments: ............................................... 65,150 Net Loans: ................................................ 162,921 Premises and Fixed Assets:.......................... 4,134 Other Real Estate: ........................................ 1,323 Other Assets: ................................................ 7,987 Total Assets: ............................................. 250,343 Total Trust Assets: ............................................... 0 Deposits: .................................................. 224,504 Federal Funds and Borrowings: ....................... 588 Other Liabilities: ............................................ 1,527 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 226,619 Total Equity Capital: .................................... 23,724 Total Liabilities and Capital: ...................... 250,343 Number of Shares Outstanding: .................... 4,000 Directors: L. D. Becton, III; Dan H. Byars; Gene Dereuisseaux; Phillip J. Foster; Alvin Green; Ben Harrell; Carl Harrell; Jonathan W. Harrell; Searcy W. Harrell, Jr.; Paul E. Lindsey; John F. Marsh; James M. Morgan; Richard H. Mosley; John David Neeley; Richard L. Smith Branches in Town: None Other Branches: Camden (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:...................................... 5,961 Federal Funds and Repos: ......................... 15,970 Investments: ............................................. 115,950 Net Loans: ................................................ 352,519 Premises and Fixed Assets:........................ 12,046 Other Real Estate: ...................................... 10,815 Other Assets: .............................................. 14,040 Total Assets: ............................................. 527,301 Total Trust Assets: ............................................... 0 Deposits: .................................................. 390,781 Federal Funds and Borrowings: .................. 80,106 Other Liabilities: ............................................ 2,375 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 473,262 Total Equity Capital: .................................... 54,039 Total Liabilities and Capital: ...................... 527,301 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-Seventh Report 53 Heber Springs State Bank Heber Springs, AR VOICE: (501) 362-5821 FAX: (501) 362-9348 Trust Powers: Yes Second and Main Streets 72543-0030 Charter Number: 735 Date: May 7, 1977 FDIC Certificate Number: 3873 Home Page: www.heberbank.com Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Harry L. Hastings, Jr. EVP: Janice Parrott CEO/Pres: Jeff Lynch SVP: Cathey Cox Cash and Due from: ...................................... 6,187 Federal Funds and Repos: ............................7,935 Investments: ................................................ 96,337 Net Loans:................................................... 73,532 Premises and Fixed Assets: ..........................5,280 Other Real Estate: ............................................872 Other Assets: ................................................ 5,516 Total Assets: ............................................. 195,659 Total Trust Assets: .............................................. 0 Deposits: ...................................................168,267 Federal Funds and Borrowings: .....................3,984 Other Liabilities:.............................................1,186 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 173,437 Total Equity Capital: ....................................22,222 Total Liabilities and Capital: .......................195,659 Number of Shares Outstanding: ..................17,656 Directors: H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Bill G. Lynch; Jeff Lynch; Catherine H. Owen Branches in Town: One Other Branches: Drasco, Fairfield Bay, Greers Ferry, Quitman, Rose Bud, Vilonia 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: .................................... 12,412 Federal Funds and Repos: ............................4,940 Investments: ................................................ 17,070 Net Loans:................................................... 82,699 Premises and Fixed Assets: .............................737 Other Real Estate: ..............................................18 Other Assets: ................................................ 1,517 Total Assets: ............................................. 119,393 Total Trust Assets: .............................................. 0 Deposits: ...................................................106,798 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 152 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 106,950 Total Equity Capital: ....................................12,443 Total Liabilities and Capital: .......................119,393 Number of Shares Outstanding: ....................2,000 Directors: Margaret S. Griffin; C. E. Hendrix, Jr.; Carl E. Hendrix, III; Edith H. Smith; Wilburn Smith; Elizabeth H. Trimble; Todd B. Trimble Branches in Town: None Other Branches: None Arkansas State Bank Department 54 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/CFO/COO: J. Franklin Bolton Cash and Due from:...................................... 4,008 Federal Funds and Repos: ........................... 3,230 Investments: ............................................... 18,264 Net Loans: .................................................. 63,955 Premises and Fixed Assets:.......................... 4,650 Other Real Estate: ........................................... 750 Other Assets: ................................................ 1,023 Total Assets: ............................................... 95,880 Total Trust Assets: ...................................... 24,258 Deposits: .................................................... 81,745 Federal Funds and Borrowings: .................... 2,435 Other Liabilities: ............................................... 166 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 84,346 Total Equity Capital: .................................... 11,534 Total Liabilities and Capital: ........................ 95,880 Number of Shares Outstanding: .................. 94,900 Directors: John P. Garrison; Daniel B. Hamby, Jr.; Harold Hardwick; Rodney P. Herndon; Annette Kline; Richard L. Metcalf; Charles G. Morgan, Jr.; Sherrill B. Nicolosi; Scott Pittillo Branches in Town: Two Other Branches: Hot Springs Village (2) 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: Chris White CEO/Pres: Steven Trusty VP: Linda Hogaboom Cash and Due from:.................................... 24,460 Federal Funds and Repos: .................................. 0 Investments: ............................................... 52,573 Net Loans: .................................................. 67,946 Premises and Fixed Assets:.......................... 3,006 Other Real Estate: ........................................... 627 Other Assets: .............................................. 21,249 Total Assets: ............................................. 169,861 Total Trust Assets: ............................................... 0 Deposits: .................................................. 127,872 Federal Funds and Borrowings: .................. 10,505 Other Liabilities: ............................................ 2,253 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 140,630 Total Equity Capital: .................................... 29,231 Total Liabilities and Capital: ...................... 169,861 Number of Shares Outstanding: .................. 18,663 Directors: Sara Barnett; David L. Bartlett; Stuart A. Fleischner, D.D.S.; Louis F. Kleinman; James "Bart" Newman; Lance A. Porter, D.D.S.; Sam P. Stathakis, Jr.; Steven W. Trusty Branches in Town: Four Other Branches: None Ninety-Seventh Report 55 First State Bank of Northwest Arkansas Huntsville, AR VOICE: (479) 582-0700 FAX: (479) 251-8253 Trust Powers: Yes 432 Madison 1650 72740-0667 Charter Number: 756 Date: July 26, 1991 FDIC Certificate Number: 33470 Home Page: www.fsbnwa.com Bank Holding Company Mathias Bancshares, Inc., Springdale, AR Chm: Sam Mathias EVP/COO: Marivel Radcliffe CEO/Pres: Larry Olson SVP: Mark A. Marks Cash and Due from: ...................................... 1,482 Federal Funds and Repos: .......................... 11,885 Investments: ..................................................9,853 Net Loans:................................................... 43,655 Premises and Fixed Assets: ..........................3,343 Other Real Estate: .........................................3,086 Other Assets: ................................................ 6,250 Total Assets: ............................................... 79,554 Total Trust Assets: .............................................. 0 Deposits: .....................................................61,824 Federal Funds and Borrowings: .....................6,000 Other Liabilities:............................................... 687 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................68,511 Total Equity Capital: ....................................11,043 Total Liabilities and Capital: .........................79,554 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 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: .................................... 16,902 Federal Funds and Repos: ...............................352 Investments: .............................................. 274,197 Net Loans:................................................. 313,801 Premises and Fixed Assets: ........................ 18,532 Other Real Estate: .........................................2,108 Other Assets: .............................................. 54,781 Total Assets: ............................................. 680,673 Total Trust Assets: ...................................... 90,242 Deposits: ...................................................516,087 Federal Funds and Borrowings: ...................51,882 Other Liabilities:.............................................4,348 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 572,317 Total Equity Capital: ..................................108,356 Total Liabilities and Capital: .......................680,673 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 (4), Clinton, Concord, Damascus, El Paso, Gravel Ridge, Greenbrier (2), Greers Ferry, Heber Springs (4), Marshall, North Little Rock, Pangburn, Quitman, Sherwood (2) 56 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:.................................... 38,552 Federal Funds and Repos: .............................. 120 Investments: ............................................. 632,424 Net Loans: ............................................. 1,692,762 Premises and Fixed Assets:........................ 80,541 Other Real Estate: ...................................... 31,926 Other Assets: ............................................ 140,704 Total Assets: .......................................... 2,617,029 Total Trust Assets: .................................... 318,769 Deposits: ............................................... 2,005,853 Federal Funds and Borrowings: ................ 250,011 Other Liabilities: ............................................ 2,733 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 2,258,597 Total Equity Capital: .................................. 358,432 Total Liabilities and Capital: ................... 2,617,029 Number of Shares Outstanding: ................ 350,000 Directors: Wayne F. Baker; Susan Cathcart; Richard Darouse; Chris E. Fowler; Jama M. Fowler; Mark P. Fowler; Wallace W. Fowler; John C. Freeman; Moud Gazaway; Stacy Greene; Al M. Heringer, III; Sam W. Hummelstein; Mike Langford; Charles Luter; Hugh McClain; Lloyd H. McCracken, Jr.; Matt Parker; Roy Reaves; James E. Way; William C. Young, Jr. Branches in Town: Six Other Branches: Atkins, Batesville, Bay, Bentonville, Clarksville, Dardanelle (2), Fayetteville, Fort Smith (3), Gentry, Highland, Monette, Morrilton, Mountain Home (2), Paragould (3), Pottsville, Rector, Rogers, Russellville (4), Searcy (3), Siloam Springs (3), Springdale (2), Tontitown, Van Buren Ninety-Seventh Report 57 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: ...................................... 8,541 Federal Funds and Repos: ...............................930 Investments: ................................................ 25,067 Net Loans:................................................. 257,582 Premises and Fixed Assets: ..........................6,547 Other Real Estate: ............................................330 Other Assets: ................................................ 8,130 Total Assets: ............................................. 307,127 Total Trust Assets: .............................................. 0 Deposits: ...................................................261,168 Federal Funds and Borrowings: ...................12,164 Other Liabilities:.............................................2,853 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 276,185 Total Equity Capital: ....................................30,942 Total Liabilities and Capital: .......................307,127 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 SVP: William F. "Bill" Wisener Pres: Tommy R. Jarrett Cash and Due from: .................................... 28,650 Federal Funds and Repos: .................................. 0 Investments: ................................................ 39,151 Net Loans:................................................... 89,279 Premises and Fixed Assets: ..........................3,427 Other Real Estate: ............................................... 0 Other Assets: ................................................ 6,101 Total Assets: ............................................. 166,608 Total Trust Assets: .............................................. 0 Deposits: ...................................................139,317 Federal Funds and Borrowings: .....................9,120 Other Liabilities:.............................................1,232 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 149,669 Total Equity Capital: ....................................16,939 Total Liabilities and Capital: .......................166,608 Number of Shares Outstanding: ..................12,500 Directors: Freddie G. Black; Robert G. Bridewell, Sr.; James W. Haddock; Craig Hunt; Tommy R. Jarrett; Beverly M. Rowe; Jerry Selby; Harold Smith Branches in Town: One Other Branches: Dermott, Dumas, Monticello 58 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 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:...................................... 2,006 Federal Funds and Repos: ........................... 2,155 Investments: ............................................... 15,430 Net Loans: .................................................. 35,329 Premises and Fixed Assets:.......................... 1,214 Other Real Estate: ........................................... 283 Other Assets: ................................................ 1,628 Total Assets: ............................................... 58,045 Total Trust Assets: ............................................... 0 Deposits: .................................................... 51,508 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 185 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 51,693 Total Equity Capital: ...................................... 6,352 Total Liabilities and Capital: ........................ 58,045 Number of Shares Outstanding: .................. 60,000 Directors: Terence J. Alpe; Sam E. Angel; William W. Bunker; Dr. John P. Burge, Sr.; David F. Gillison, Jr.; Joseph J. Pieroni; Charles H. Weissinger, Jr.; Guy Mattingly Weissinger Branches in Town: One Other Branches: None 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 VP: Ray Hackworth EVP: Lois Criddle VP: Jana Malone Cash and Due from:...................................... 3,784 Federal Funds and Repos: ........................... 6,090 Investments: ............................................... 10,534 Net Loans: .................................................. 18,844 Premises and Fixed Assets:............................. 250 Other Real Estate: ........................................... 440 Other Assets: ................................................... 455 Total Assets: ............................................... 40,397 Total Trust Assets: ............................................... 0 Deposits: .................................................... 35,132 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 129 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 35,261 Total Equity Capital: ...................................... 5,136 Total Liabilities and Capital: ........................ 40,397 Number of Shares Outstanding: .................. 10,000 Directors: Hadley Ingram Arnold; Scott Arnold, IV; Julanne Ingram; Danette W. Lawrie; Junaway Payne; Dannal Perry; Ernest B. Portis; Frankie L. Pratt; Juliet Romano; Henry G. Watkins, III Branches in Town: None Other Branches: None Ninety-Seventh Report 59 Bank of Little Rock Little Rock, AR VOICE: (501) 376-0800 FAX: (501) 376-1642 Trust Powers: Yes 200 North State Street 72201 Charter Number: 748 Date: May 4, 1989 FDIC Certificate Number: 91280 Home Page: www.bankoflittlerock.com Member of Federal Reserve System Bank Holding Company Little Rock Bankshares, Inc., Little Rock, AR Chm/CEO: Eugene L. Maris SVP/Cash: Lee A. Swearingen Pres: George G. Worthen Cash and Due from: ...................................... 9,235 Federal Funds and Repos: ............................7,290 Investments: ................................................ 37,563 Net Loans:................................................. 106,498 Premises and Fixed Assets: ..........................6,396 Other Real Estate: .........................................6,809 Other Assets: ................................................ 4,847 Total Assets: ............................................. 178,638 Total Trust Assets: .............................................. 0 Deposits: ...................................................160,938 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 849 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 161,787 Total Equity Capital: ....................................16,851 Total Liabilities and Capital: .......................178,638 Number of Shares Outstanding: ................100,000 Directors: Eugene L. Maris; James M. May, III; Stephen W. Plunkett; Steven C. Russell; George G. Worthen Branches in Town: Four Other Branches: None 60 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 3, 1903 FDIC Certificate Number: 110 Home Page: www.bankozarks.com Bank Holding Company Bank of the Ozarks, Inc., Little Rock, AR Chm/CEO: George G. Gleason, II CFO: Greg McKinney VChm/COO: Mark D. Ross TO: Rex Kyle Cash and Due from:.................................... 81,313 Federal Funds and Repos: .................................. 0 Investments: ............................................. 476,639 Net Loans: ............................................. 2,663,137 Premises and Fixed Assets:...................... 181,010 Other Real Estate: .................................... 114,095 Other Assets: ............................................ 491,784 Total Assets: .......................................... 4,007,978 Total Trust Assets: ................................. 1,129,775 Deposits: ............................................... 3,179,159 Federal Funds and Borrowings: ................ 332,085 Other Liabilities: .......................................... 68,102 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 3,579,346 Total Equity Capital: .................................. 428,632 Total Liabilities and Capital: ................... 4,007,978 Number of Shares Outstanding: .................... 2,340 Directors: Jean Arehart; Richard L. Cisne; Robert C. East; George G. Gleason, II; Linda D. Gleason; Walter M. Kimbrough; Henry Mariani; Robert Proost; R. L. Qualls; Mark D. Ross; Kennith Smith 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[GA], Carrollton[TX], Cartersville[GA] (2), Clarksville (2), Clinton, Conway (4), Cumming[GA], Dallas[GA], Dallas[TX], Dawsonville[GA] (2), Douglasville[GA], Fayetteville (2), Fort Smith (3), Frisco[TX] (2), Harrison (2), Hot Springs (3), Jasper, Keller[TX], Lake Park[GA], Lewisville[TX], Lonoke, Lonsdale, Marble Hill[GA], Marshall, Maumelle, McDonough[GA], Mobile[AL], Mountain Home (2), Mulberry, Newnan[GA], North Little Rock (3), Oakwood[GA], Ocala[FL], Ozark (2), Paris, Palmetto[FL], Plano[TX], Rogers (3), Rome[GA], Russellville (3), Savannah[GA], Senoia[GA], Sharpsburg[GA], Sherwood, Springdale, St. Simons Island[GA], Stockbridge[GA], Texarkana, Texarkana[TX] (2), Valdosta[GA] (3), Van Buren (2), Western Grove, Wilmington[NC], Yellville Ninety-Seventh Report 61 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 RMO: David R. Estes Cash and Due from: ...................................... 1,209 Federal Funds and Repos: ............................1,180 Investments: ................................................ 17,933 Net Loans:................................................... 61,597 Premises and Fixed Assets: .............................130 Other Real Estate: ............................................784 Other Assets: ................................................ 1,478 Total Assets: ............................................... 84,311 Total Trust Assets: .............................................. 0 Deposits: .....................................................68,240 Federal Funds and Borrowings: .....................2,937 Other Liabilities:............................................... 812 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................71,989 Total Equity Capital: ....................................12,322 Total Liabilities and Capital: .........................84,311 Number of Shares Outstanding: ................160,000 Directors: James R. Burks; David Estes; Francis X. "Skip" Frantz; James B. Malone; Michael Murphy; 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: 720 72211 Date: July 28, 1966 FDIC Certificate Number: 19662 Home Page: www.eaglebank.com Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Harry L. Hastings, Jr. SVP/CLO: Joe Dunn CEO/Pres: Cathy Owen SVP/Cash: Paul Castleberry Cash and Due from: ...................................... 2,672 Federal Funds and Repos: ............................1,775 Investments: ................................................ 67,007 Net Loans:................................................... 58,915 Premises and Fixed Assets: .............................572 Other Real Estate: ............................................785 Other Assets: ................................................ 4,746 Total Assets: ............................................. 136,472 Total Trust Assets: .............................................. 0 Deposits: ...................................................111,596 Federal Funds and Borrowings: ...................11,169 Other Liabilities:............................................... 691 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 123,456 Total Equity Capital: ....................................13,016 Total Liabilities and Capital: .......................136,472 Number of Shares Outstanding: ....................8,000 Directors: Andrew H. Hastings; H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley T. Hastings, Sr.; Catherine H. Owen Branches in Town: None Other Branches: Gravel Ridge, North Little Rock, Sherwood (3) 62 Arkansas State Bank Department The Capital Bank Little Rock, AR VOICE: (501) 228-6000 FAX: (501) 228-6006 Trust Powers: Yes 12224 Chenal Parkway 72211 Charter Number: 771 Date: July 30, 1997 FDIC Certificate Number: 34562 Home Page: www.thecapitalbank.com Member of Federal Reserve System Bank Holding Company Capital Bancshares, Inc., Little Rock, AR CEO/Pres: Kyle E. Patton SVP: Donna Hall EVP/CFO: Jeanette Nation VP: Alan Harrison Cash and Due from:...................................... 1,467 Federal Funds and Repos: .............................. 640 Investments: ............................................... 79,594 Net Loans: .................................................. 64,563 Premises and Fixed Assets:.......................... 3,996 Other Real Estate: ........................................ 5,598 Other Assets: ................................................ 5,778 Total Assets: ............................................. 161,636 Total Trust Assets: ............................................... 0 Deposits: .................................................. 109,801 Federal Funds and Borrowings: .................. 33,761 Other Liabilities: ............................................... 507 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 144,069 Total Equity Capital: .................................... 17,567 Total Liabilities and Capital: ...................... 161,636 Number of Shares Outstanding: .................. 32,013 Directors: Melinda Ballard; Joseph W. Park; Kyle E. Patton; Boyd Rothwell; Warren Stephenson Branches in Town: None Other Branches: None First State Bank Lonoke, AR VOICE: (501) 676-3106 FAX: (501) 676-5046 Trust Powers: No Chm: Neil Bennett, Jr. CEO: David R. Estes 101 South Center Street 72086-0320 Charter Number: 670 Date: March 9, 1935 FDIC Certificate Number: 15050 Home Page: www.firststatebk.com Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Pres: J. Bruce Loftin Cash and Due from:.................................... 11,170 Federal Funds and Repos: ........................... 6,000 Investments: ............................................... 31,578 Net Loans: ................................................ 188,308 Premises and Fixed Assets:.......................... 3,631 Other Real Estate: ...................................... 15,695 Other Assets: ................................................ 7,591 Total Assets: ............................................. 263,973 Total Trust Assets: ............................................... 0 Deposits: .................................................. 228,734 Federal Funds and Borrowings: .................. 10,377 Other Liabilities: ............................................ 1,261 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 240,372 Total Equity Capital: .................................... 23,601 Total Liabilities and Capital: ...................... 263,973 Number of Shares Outstanding: .................. 16,000 Directors: Robert S. Bailey, Jr.; Neil Bennett, Jr.; Richard Bransford; Charles L. Cabe, Jr.; David R. Estes; William Fletcher, Jr.; Charles E. Knox; J. Bruce Loftin; J. Walls McCrary; Joe P. Melton, Jr.; Robert Dale Miller; Daina B. Newcomb; Alan “Chuck” Sharp; Marvin D. Thaxton, Jr. Branches in Town: One Other Branches: Carlisle, Fayetteville, Gurdon, Heber Springs, Springdale Ninety-Seventh Report 63 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: .................................... 11,343 Federal Funds and Repos: .................................. 0 Investments: .............................................. 130,782 Net Loans:................................................. 505,635 Premises and Fixed Assets: ........................ 11,882 Other Real Estate: .........................................8,070 Other Assets: .............................................. 31,711 Total Assets: ............................................. 699,423 Total Trust Assets: ...................................... 88,255 Deposits: ...................................................595,160 Federal Funds and Borrowings: ...................27,482 Other Liabilities:.............................................6,324 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 628,966 Total Equity Capital: ....................................70,457 Total Liabilities and Capital: .......................699,423 Number of Shares Outstanding: ................100,000 Directors: John E. Alexander, Jr.; Ronny J. Bell; Bob L. Burns; Dr. Jason Franks; Steve Keith; Bruce D. Maloch; Ken Sibley; T. E. Smith Branches in Town: Three Other Branches: Benton, Camden (4), Malvern (2), Taylor The Peoples Bank Magnolia, AR VOICE: (870) 234-5777 FAX: (870) 234-3384 Trust Powers: Yes 500 North Jackson 71754-0340 Charter Number: 313 Date: June 22, 1910 FDIC Certificate Number: 12531 Home Page: www.peoplesbankmagnolia.com Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm: S. Clark Fincher EVP/COO: Jill McClinton CEO/Pres: Mary L. Fowler CFO: Jonathan Baird Cash and Due from: .................................... 58,227 Federal Funds and Repos: ............................1,245 Investments: ................................................ 40,630 Net Loans:................................................... 50,748 Premises and Fixed Assets: ..........................1,897 Other Real Estate: ..............................................73 Other Assets: ................................................ 3,148 Total Assets: ............................................. 155,968 Total Trust Assets: .............................................. 0 Deposits: ...................................................116,047 Federal Funds and Borrowings: ...................27,701 Other Liabilities:............................................... 474 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 144,222 Total Equity Capital: ....................................11,746 Total Liabilities and Capital: .......................155,968 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; Richard Scott Branches in Town: One Other Branches: Waldo Arkansas State Bank Department 64 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:...................................... 7,500 Federal Funds and Repos: .............................. 760 Investments: ................................................. 4,996 Net Loans: .................................................. 79,314 Premises and Fixed Assets:.......................... 4,687 Other Real Estate: ........................................ 1,825 Other Assets: ................................................ 2,920 Total Assets: ............................................. 102,002 Total Trust Assets: ............................................... 0 Deposits: .................................................... 86,436 Federal Funds and Borrowings: .................... 2,000 Other Liabilities: ............................................... 596 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 89,032 Total Equity Capital: .................................... 12,970 Total Liabilities and Capital: ...................... 102,002 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 Bank Holding Company Tyronza Bancshares, Inc., Marked Tree, AR CEO/Pres: Chris M. Lehman Cash and Due from:...................................... 2,012 Federal Funds and Repos: .................................. 0 Investments: ............................................... 24,518 Net Loans: .................................................. 24,325 Premises and Fixed Assets:............................. 679 Other Real Estate: ........................................... 367 Other Assets: ................................................... 957 Total Assets: ............................................... 52,858 Total Trust Assets: ............................................... 0 Deposits: .................................................... 43,915 Federal Funds and Borrowings: .................... 3,010 Other Liabilities: ............................................... 464 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 47,389 Total Equity Capital: ...................................... 5,469 Total Liabilities and Capital: ........................ 52,858 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-Seventh Report 65 Bank of McCrory McCrory, AR VOICE: (870) 731-2521 FAX: (870) 731-2859 Trust Powers: Yes 124 Edmonds Avenue 72101-0370 Charter Number: 128 Date: June 8, 1903 FDIC Certificate Number: 1523 Member of Federal Reserve System Bank Holding Company M. D. Thompson & Son Co., McCrory, AR CEO: Vance Thompson, III VP: Nathan Dabbs Pres: Tim St. Clair Cash and Due from: ...................................... 2,570 Federal Funds and Repos: ............................1,955 Investments: ................................................ 37,774 Net Loans:................................................... 29,750 Premises and Fixed Assets: .............................670 Other Real Estate: ............................................300 Other Assets: ................................................ 1,237 Total Assets: ............................................... 74,256 Total Trust Assets: .............................................. 0 Deposits: .....................................................66,170 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 156 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................66,326 Total Equity Capital: ......................................7,930 Total Liabilities and Capital: .........................74,256 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: .................................... 13,225 Federal Funds and Repos: ............................2,500 Investments: ................................................ 16,918 Net Loans:................................................... 70,841 Premises and Fixed Assets: .............................390 Other Real Estate: ............................................... 0 Other Assets: ................................................ 3,580 Total Assets: ............................................. 107,454 Total Trust Assets: ...................................... 70,058 Deposits: .....................................................89,430 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................1,097 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................90,527 Total Equity Capital: ....................................16,927 Total Liabilities and Capital: .......................107,454 Number of Shares Outstanding: ..................80,000 Directors: Lee Bowman; William W. Bowman; Bill E. Elliott; Eugene Gilliam; David S. Leech; John H. Potter, Jr.; James M. Smith; James N. Smith Branches in Town: One Other Branches: Arkansas City, Tillar, Watson Arkansas State Bank Department 66 The Union Bank of Mena Mena, AR VOICE: (479) 394-2211 FAX: (479) 394-8901 Trust Powers: No 303 Hwy. 71 North 71953-0898 Charter Number: 667 Date: July 25, 1934 FDIC Certificate Number: 14597 Home Page: www.unionbankofmena.com Bank Holding Company Union Bankshares, Inc., Mena, AR Chm: Edward W. Stevenson EVP/CFO: Michael Myers CEO/Pres: Philip B. Hensley Cash and Due from:.................................... 25,648 Federal Funds and Repos: ........................... 1,720 Investments: ............................................... 11,759 Net Loans: ................................................ 131,736 Premises and Fixed Assets:.......................... 3,927 Other Real Estate: ........................................... 108 Other Assets: ................................................ 3,286 Total Assets: ............................................. 178,184 Total Trust Assets: ............................................... 0 Deposits: .................................................. 157,278 Federal Funds and Borrowings: .................... 3,176 Other Liabilities: ............................................ 1,459 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 161,913 Total Equity Capital: .................................... 16,271 Total Liabilities and Capital: ...................... 178,184 Number of Shares Outstanding: .................. 12,000 Directors: J. Richard Carver; Robert A. Carver; John A. Crawford; Philip B. Hensley; David Maddox; Pauline Morrow; Edward W. Stevenson; John Stevenson; Bill L. Wood Branches in Town: None Other Branches: Hatfield, Wickes Commercial Bank & Trust Company Monticello, AR VOICE: (870) 367-6221 FAX: (870) 367-7700 Trust Powers: Yes 212 West Gaines Street 71655 Charter Number: 396 Date: November 29, 1912 FDIC Certificate Number: 90 Home Page: www.commercial-bank.net Bank Holding Company Drew Bancshares, Inc., Monticello, AR Chm: Bennie F. Ryburn, Jr. SVP: Michael Efird Pres/COO: George T. Harris SVP/TO: Rusty Smith Cash and Due from:...................................... 6,982 Federal Funds and Repos: .................................. 0 Investments: ............................................... 44,477 Net Loans: .................................................. 99,569 Premises and Fixed Assets:.......................... 1,528 Other Real Estate: ........................................ 2,203 Other Assets: ................................................ 2,186 Total Assets: ............................................. 156,945 Total Trust Assets: ...................................... 12,863 Deposits: .................................................. 140,121 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 689 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 140,810 Total Equity Capital: .................................... 16,135 Total Liabilities and Capital: ...................... 156,945 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-Seventh Report 67 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: ...................................... 7,288 Federal Funds and Repos: ...............................258 Investments: ................................................ 49,286 Net Loans:................................................. 119,517 Premises and Fixed Assets: ..........................3,711 Other Real Estate: ............................................191 Other Assets: ................................................ 8,461 Total Assets: ............................................. 188,712 Total Trust Assets: ...................................... 18,427 Deposits: ...................................................146,848 Federal Funds and Borrowings: ...................21,777 Other Liabilities:.............................................1,260 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 169,885 Total Equity Capital: ....................................18,827 Total Liabilities and Capital: .......................188,712 Number of Shares Outstanding: ..................80,000 Directors: Mike Akin; Ted Carmical; Charles F. Dearman, Jr.; Dave Dickson; Tommy V. Maxwell; John S. McClendon; Robin McClendon; Zach McClendon, Jr.; Richard Reinhart; Virgil Trotter Branches in Town: Two Other Branches: Warren Petit Jean State Bank Morrilton, AR VOICE: (501) 354-4988 FAX: (501) 354-6560 Trust Powers: No 707 North Saint Joseph Street Charter Number: 777 72110 Date: January 27, 1999 FDIC Certificate Number: 35084 Home Page: www.pjsb.com Bank Holding Company Petit Jean Bancshares, Inc., Morrilton, AR Chm/Pres: Charles S. Penick SVP: Mike Dunaway EVP: Suzanne Hartman Cash and Due from: .................................... 21,210 Federal Funds and Repos: ............................1,296 Investments: ................................................ 51,284 Net Loans:................................................... 68,953 Premises and Fixed Assets: ..........................2,752 Other Real Estate: ............................................409 Other Assets: ................................................ 4,597 Total Assets: ............................................. 150,501 Total Trust Assets: .............................................. 0 Deposits: ...................................................131,723 Federal Funds and Borrowings: .....................3,686 Other Liabilities:............................................... 437 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 135,846 Total Equity Capital: ....................................14,655 Total Liabilities and Capital: .......................150,501 Number of Shares Outstanding: ..................50,000 Directors: Hall M. Calhoun, III; Katherine Foust; Todd Haynes; Michael D. Koone; Otto Lienhart, II; John Maus; Charles Ormond; Charles S. Penick; Larry Wayne Smith; Stanton C. Willis Branches in Town: One Other Branches: None 68 Arkansas State Bank Department Allied Bank Mulberry, AR VOICE: (479) 997-1154 FAX: (479) 997-1161 Trust Powers: No 311 Main Street 72947-0480 Charter Number: 81 Date: January 15, 1902 FDIC Certificate Number: 91 Home Page: www.justbankit.com Member of Federal Reserve System Bank Holding Company Acme Holding Company, Inc., Mulberry, AR CEO/Pres: Alex Golden SVP/Cash: Dianna J. Millsap Cash and Due from:...................................... 4,871 Federal Funds and Repos: .............................. 715 Investments: ................................................. 6,828 Net Loans: ................................................ 150,812 Premises and Fixed Assets:.......................... 6,411 Other Real Estate: ........................................ 3,184 Other Assets: ................................................ 5,852 Total Assets: ............................................. 178,673 Total Trust Assets: ............................................... 0 Deposits: .................................................. 149,940 Federal Funds and Borrowings: .................. 10,001 Other Liabilities: ............................................... 210 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 160,151 Total Equity Capital: .................................... 18,522 Total Liabilities and Capital: ...................... 178,673 Number of Shares Outstanding: .................... 4,000 Directors: Alex Golden; Randall L. Hollis, Sr.; John Hunter; Royce D. Jones; L. Jan Nordin Branches in Town: One Other Branches: Alma, Little Rock (3), Mansfield, Ozark, Van Buren Diamond Bank Murfreesboro, AR VOICE: (870) 285-2172 FAX: (870) 356-2858 Trust Powers: No 319 East Main 71958 Charter Number: 175 Date: December 19, 1904 FDIC Certificate Number: 1527 Home Page: www.diamondbanking.com Bank Holding Company Bainum Bancorp, Glenwood, AR Chm/CEO: Tim Bainum Pres: Ken "Mac" McClanahan Cash and Due from:.................................... 12,547 Federal Funds and Repos: .............................. 390 Investments: ............................................. 133,706 Net Loans: ................................................ 275,150 Premises and Fixed Assets:.......................... 8,714 Other Real Estate: ........................................ 1,298 Other Assets: .............................................. 13,363 Total Assets: ............................................. 445,168 Total Trust Assets: ............................................... 0 Deposits: .................................................. 371,972 Federal Funds and Borrowings: .................. 25,450 Other Liabilities: ............................................ 1,331 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 398,753 Total Equity Capital: .................................... 46,415 Total Liabilities and Capital: ...................... 445,168 Number of Shares Outstanding: .................. 18,018 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-Seventh Report 69 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. Stiges CEO/Pres: Jim S. Gowen, Jr. SVP/Cash: Patricia Davis Cash and Due from: .................................... 17,523 Federal Funds and Repos: ...............................767 Investments: ................................................ 79,785 Net Loans:................................................... 98,150 Premises and Fixed Assets: ..........................5,791 Other Real Estate: ............................................924 Other Assets: ................................................ 7,938 Total Assets: ............................................. 210,878 Total Trust Assets: ...................................... 30,938 Deposits: ...................................................188,698 Federal Funds and Borrowings: .....................4,292 Other Liabilities:.............................................1,309 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 194,299 Total Equity Capital: ....................................16,579 Total Liabilities and Capital: .......................210,878 Number of Shares Outstanding: ....................9,000 Directors: R. M. Bledsoe; Terry L. Dillon; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Mary K. Hardin; Benjy Harris; Terry Scoggins; Dr. Larry Williams Branches in Town: One Other Branches: Batesville (2), Des Arc, McCrory, Newark, Swifton, Tuckerman Delta Trust & Bank Parkdale, AR VOICE: (870) 473-2217 FAX: (870) 473-2492 Trust Powers: Yes 1853 Highway 165 South 71661-0037 Charter Number: 141 Date: February 1, 1910 FDIC Certificate Number: 92 Home Page: www.delta-trust.com Bank Holding Company Delta Trust & Banking Corporation, Little Rock, AR VChm/CEO: J. French Hill Pres: Chris Roberts VChm/COO: Carroll Penick EVP/TO: Jim Shenep Cash and Due from: .................................... 16,766 Federal Funds and Repos: .......................... 13,740 Investments: ................................................ 75,730 Net Loans:................................................. 247,413 Premises and Fixed Assets: ..........................3,902 Other Real Estate: .........................................5,062 Other Assets: ................................................ 5,878 Total Assets: ............................................. 368,491 Total Trust Assets: .................................... 444,506 Deposits: ...................................................333,391 Federal Funds and Borrowings: ....................... 959 Other Liabilities:............................................... 904 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 335,254 Total Equity Capital: ....................................33,237 Total Liabilities and Capital: .......................368,491 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 Rogers; Morin M. Scott, Jr.; Neill Sloan; Philip Tappan Branches in Town: None Other Branches: Bella Vista, Eudora, Fayetteville, Hamburg, Little Rock (3), Wilmot 70 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:...................................... 9,784 Federal Funds and Repos: .................................. 0 Investments: ............................................... 36,064 Net Loans: .................................................. 28,096 Premises and Fixed Assets:............................. 567 Other Real Estate: ............................................... 0 Other Assets: ................................................... 779 Total Assets: ............................................... 75,290 Total Trust Assets: ............................................... 0 Deposits: .................................................... 65,195 Federal Funds and Borrowings: ....................... 803 Other Liabilities: ............................................... 923 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 66,921 Total Equity Capital: ...................................... 8,369 Total Liabilities and Capital: ........................ 75,290 Number of Shares Outstanding: .................... 4,000 Directors: Steve Bell; Paula O. Blackwell; James C. Poole Branches in Town: One Other Branches: None Home Bank of Arkansas Portland, AR VOICE: (870) 737-2236 FAX: (870) 737-2816 Trust Powers: No 113 Hwy 165 South 71663-0178 Charter Number: 251 Date: January 22, 1908 FDIC Certificate Number: 5629 Home Page: www.homebankofar.com Bank Holding Company Peoples Home Holding, Inc., Greenbrier, AR Chm/CEO/Pres: John Stacks VP: Treva Branscum CFO/VP: Bill Hannah VP: Terry Milam Cash and Due from:...................................... 1,131 Federal Funds and Repos: ........................... 4,630 Investments: ................................................. 3,675 Net Loans: .................................................. 57,953 Premises and Fixed Assets:.......................... 2,261 Other Real Estate: ........................................ 3,620 Other Assets: ................................................ 1,835 Total Assets: ............................................... 75,105 Total Trust Assets: ............................................... 0 Deposits: .................................................... 67,836 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 210 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 68,046 Total Equity Capital: ...................................... 7,059 Total Liabilities and Capital: ........................ 75,105 Number of Shares Outstanding: .................... 4,000 Directors: Joe Benton, III; Jerold Brock; Bill Hannah; Terry Milam; Roy Montgomery; John Stacks; Jack Treat Branches in Town: None Other Branches: Center Ridge, Damascus, Greenbrier, Little Rock, Marshall Ninety-Seventh Report 71 Bank of Prescott Prescott, AR VOICE: (870) 887-2688 FAX: (870) 887-6822 Trust Powers: Yes East Second at Main 71857-0490 Charter Number: 162 Date: August 10, 1904 FDIC Certificate Number: 101 Home Page: www.bankofprescott.com Bank Holding Company Prescott Bancshares, Inc., Prescott, AR Chm: John Warren Brannan, Sr. EVP: Gary McCauley CEO/Pres: John Warren Brannan, Jr. Treas/Sec: Karen McLelland Cash and Due from: ...................................... 3,097 Federal Funds and Repos: .................................. 0 Investments: ................................................ 33,028 Net Loans:................................................... 33,328 Premises and Fixed Assets: .............................360 Other Real Estate: ............................................230 Other Assets: ................................................ 1,543 Total Assets: ............................................... 71,586 Total Trust Assets: .............................................. 0 Deposits: .....................................................60,261 Federal Funds and Borrowings: .....................1,173 Other Liabilities:............................................... 457 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................61,891 Total Equity Capital: ......................................9,695 Total Liabilities and Capital: .........................71,586 Number of Shares Outstanding: ..................24,000 Directors: John Warren Brannan, Sr.; John Warren Brannan, Jr.; Brad Crain; Carl Dalrymple, Jr.; Jason Gutierrez; Billy Hines; Phillip McAdams; Gary McCauley; Larry Rhodes; Robert Smith Branches in Town: None Other Branches: None The Bank of Rison Rison, AR VOICE: (870) 325-6251 FAX: (870) 325-7661 Trust Powers: No Chm: Lee Moore VP: Cliff Hopson 200 Main Street 71665-0345 Charter Number: 650 Date: March 7, 1932 FDIC Certificate Number: 8730 Bank Holding Company None VP/Cash: Felicia Bowlin Cash and Due from: ...................................... 3,976 Federal Funds and Repos: ............................6,000 Investments: ..................................................6,504 Net Loans:................................................... 13,577 Premises and Fixed Assets: .............................127 Other Real Estate: ............................................256 Other Assets: ...................................................542 Total Assets: ............................................... 30,982 Total Trust Assets: .............................................. 0 Deposits: .....................................................25,238 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 23 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................25,261 Total Equity Capital: ......................................5,721 Total Liabilities and Capital: .........................30,982 Number of Shares Outstanding: ....................4,000 Directors: Helen Hopson; Lee Moore; Frank Wilson Branches in Town: None Other Branches: None 72 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:...................................... 5,164 Federal Funds and Repos: ........................... 1,520 Investments: ............................................... 21,238 Net Loans: .................................................. 73,160 Premises and Fixed Assets:.......................... 5,009 Other Real Estate: ........................................ 6,985 Other Assets: ................................................ 3,209 Total Assets: ............................................. 116,285 Total Trust Assets: ............................................... 0 Deposits: .................................................... 90,247 Federal Funds and Borrowings: .................. 12,600 Other Liabilities: ............................................... 372 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 103,219 Total Equity Capital: .................................... 13,066 Total Liabilities and Capital: ...................... 116,285 Number of Shares Outstanding: .................. 20,000 Directors: Chris Lampkin; Michael J. Necessary; Benton Newcome; Joel Newcome; Eddie Scherm; Robert Y. Taylor Branches in Town: None Other Branches: Crossett, Monticello, Portland Pinnacle Bank Rogers, AR VOICE: (479) 619-2000 FAX: (479) 619-2701 Trust Powers: No 4201 W. New Hope Road, Suite 101 Charter Number: 145 72758 Date: October 31, 1903 FDIC Certificate Number: 11256 Home Page: www.pinnaclebk.com Bank Holding Company Pinnacle Bancshares, Inc., Rogers, AR Chm/CEO: Wade Ruckle Cash and Due from:......................................... 312 Federal Funds and Repos: ........................... 7,461 Investments: ............................................... 12,764 Net Loans: .................................................. 62,271 Premises and Fixed Assets:............................. 205 Other Real Estate: ........................................ 8,657 Other Assets: ................................................ 2,221 Total Assets: ............................................... 93,891 Total Trust Assets: ............................................... 0 Deposits: .................................................... 71,183 Federal Funds and Borrowings: .................... 9,804 Other Liabilities: ............................................... 358 Subordinated Debt: ....................................... 2,000 Total Liabilities: ........................................... 83,345 Total Equity Capital: .................................... 10,546 Total Liabilities and Capital: ........................ 93,891 Number of Shares Outstanding: ................ 150,000 Directors: Wade Ruckle; Guy Fisher; Thomas Garrison; Jack Lee Gregory; Clarence Guinn; Bruce Loftin; Alan L. Sharp; Ralph Vernetti Branches in Town: None Other Branches: None Ninety-Seventh Report 73 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: Thomas W. Spillyards VP: Erica Preston EVP: Dennis Ferguson VP/Cash: Darlene Cheatham Cash and Due from: .................................... 32,024 Federal Funds and Repos: .................................. 0 Investments: ................................................ 50,238 Net Loans:................................................. 143,095 Premises and Fixed Assets: ........................ 13,885 Other Real Estate: ....................................... 12,488 Other Assets: .............................................. 12,486 Total Assets: ............................................. 264,216 Total Trust Assets: .............................................. 0 Deposits: ...................................................215,380 Federal Funds and Borrowings: .....................9,287 Other Liabilities:.............................................2,053 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 226,720 Total Equity Capital: ....................................37,496 Total Liabilities and Capital: .......................264,216 Number of Shares Outstanding: ...................... 600 Directors: David Bartlett; Dennis Ferguson; Charles Clark Irwin; Sonya Jones; Thomas W. Spillyards; Jim Tull Branches in Town: One Other Branches: Bella Vista, Bentonville, Fayetteville, Lincoln, Prairie Grove, Siloam Springs, Springdale (2) First State Bank Russellville, AR VOICE: (479) 498-2400 FAX: (479) 498-2465 Trust Powers: No 3103 East Main 72802 Charter Number: 663 Date: January 12, 1934 FDIC Certificate Number: 13632 Home Page: www.fsbmybank.com Bank Holding Company First State Banking Corporation, Russellville, AR Chm/CEO: Charles Blanchard EVP: Toni B. Laws Pres: Johnny K. Morgan Cash and Due from: ...................................... 4,222 Federal Funds and Repos: ............................6,520 Investments: ................................................ 24,681 Net Loans:................................................. 123,555 Premises and Fixed Assets: ..........................6,276 Other Real Estate: .........................................2,561 Other Assets: ................................................ 7,808 Total Assets: ............................................. 175,623 Total Trust Assets: .............................................. 0 Deposits: ...................................................145,923 Federal Funds and Borrowings: .....................9,168 Other Liabilities:............................................... 667 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 155,758 Total Equity Capital: ....................................19,865 Total Liabilities and Capital: .......................175,623 Number of Shares Outstanding: ..................20,000 Directors: James C. Biggers; Charles Blanchard; Charles B. "Chip" Blanchard; William H. Bowen; Terry Freeman; Maxie L. Mathis, III; Mike Miller; Johnny K. Morgan; George Tippin; C. Tim White; Robert M. Wilson; Phil Wright Branches in Town: Four Other Branches: Ola Arkansas State Bank Department 74 Simmons First Bank of Russellville Russellville, AR VOICE: (479) 967-8000 FAX: (479) 968-6491 Trust Powers: Yes 800 North Arkansas Avenue Charter Number: 192 72801 Date: September 29, 1905 FDIC Certificate Number: 13081 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO: Ronald B. Jackson Reg Pres: Denton Tumbleson Reg Pres: Scott Hill Cash and Due from:.................................... 24,228 Federal Funds and Repos: .................................. 0 Investments: ............................................... 35,138 Net Loans: .................................................. 98,297 Premises and Fixed Assets:.......................... 4,280 Other Real Estate: ........................................... 622 Other Assets: .............................................. 22,666 Total Assets: ............................................. 185,231 Total Trust Assets: ............................................... 0 Deposits: .................................................. 133,509 Federal Funds and Borrowings: .................... 9,025 Other Liabilities: ............................................ 6,222 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 148,756 Total Equity Capital: .................................... 36,475 Total Liabilities and Capital: ...................... 185,231 Number of Shares Outstanding: .................... 1,500 Directors: Leon Anderson; Terry Bowie; Keith Cogswell; Ronald B. Jackson; Ike Allen Laws, III; Ed R. Stingley, III; Harve Taylor Branches in Town: Two Other Branches: Clarksville (2) Bank of Salem Salem, AR VOICE: (870) 895-2591 FAX: (870) 895-3825 Trust Powers: No 207 West Church Street 72576-0338 Charter Number: 266 Date: December 9, 1908 FDIC Certificate Number: 11243 Home Page: www.bksalem.net Member of Federal Reserve System Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm/CEO/Pres: Mark Montgomery Cash: Lucinda Bishop Cash and Due from:...................................... 4,567 Federal Funds and Repos: ........................... 2,025 Investments: ................................................. 2,591 Net Loans: ................................................ 110,449 Premises and Fixed Assets:.......................... 1,734 Other Real Estate: ........................................ 1,327 Other Assets: ................................................ 6,584 Total Assets: ............................................. 129,277 Total Trust Assets: ............................................... 0 Deposits: .................................................. 110,228 Federal Funds and Borrowings: .................... 3,329 Other Liabilities: ............................................ 1,634 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 115,191 Total Equity Capital: .................................... 14,086 Total Liabilities and Capital: ...................... 129,277 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-Seventh Report 75 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: ...................................... 5,239 Federal Funds and Repos: ...............................755 Investments: ................................................ 39,857 Net Loans:................................................... 22,564 Premises and Fixed Assets: .............................403 Other Real Estate: ..............................................68 Other Assets: ...................................................841 Total Assets: ............................................... 69,727 Total Trust Assets: .............................................. 0 Deposits: .....................................................56,999 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 285 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................57,284 Total Equity Capital: ....................................12,443 Total Liabilities and Capital: .........................69,727 Number of Shares Outstanding: ....................4,000 Directors: Eddie Ahne; Gary Fritsche; Joe Fritsche; Mildred Fritsche; Regina M. Layes Branches in Town: None Other Branches: Subiaco First Security Bank Searcy, AR VOICE: (501) 279-3400 FAX: (501) 279-3486 Trust Powers: Yes 314 North Spring 72145-1009 Charter Number: 649 Date: February 6, 1932 FDIC Certificate Number: 5633 Home Page: www.fsbank.com Bank Holding Company First Security Bancorp, Searcy, AR Chm/CEO: Reynie Rutledge EVP: J. Mark Ferguson Pres: Michael C. Hutsell TO: Frank Faust Cash and Due from: .................................... 84,518 Federal Funds and Repos: .......................... 67,172 Investments: ........................................... 1,861,019 Net Loans:.............................................. 1,565,005 Premises and Fixed Assets: ........................ 85,582 Other Real Estate: ....................................... 21,185 Other Assets: ............................................ 101,072 Total Assets: .......................................... 3,785,553 Total Trust Assets: .................................... 535,103 Deposits: ................................................ 3,043,499 Federal Funds and Borrowings: .................374,387 Other Liabilities:.............................................6,687 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 3,424,573 Total Equity Capital: .................................. 360,980 Total Liabilities and Capital: .................... 3,785,553 Number of Shares Outstanding: ..................24,000 Directors: Dr. David Burks; Mark Ferguson; Michael C. Hutsell; Steve Lightle; John McKnight; Wayne Ridout; Dr. Porter R. Rodgers, Jr.; Reynie Rutledge; William Scholl; Jim Tarkington; James G. Wilson Branches in Town: Three Other Branches: Beebe (3), Bella Vista, Benton (3), Bentonville, Bryant (3), Bull Shoals, Cabot (3), Clarksville (5), 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 76 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 Cash and Due from:.................................... 14,997 Federal Funds and Repos: .................................. 0 Investments: ............................................... 25,294 Net Loans: ................................................ 100,201 Premises and Fixed Assets:.......................... 4,069 Other Real Estate: ........................................... 126 Other Assets: ................................................ 9,099 Total Assets: ............................................. 153,786 Total Trust Assets: ............................................... 0 Deposits: .................................................. 121,823 Federal Funds and Borrowings: .................. 11,532 Other Liabilities: ............................................ 1,922 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 135,277 Total Equity Capital: .................................... 18,509 Total Liabilities and Capital: ...................... 153,786 Number of Shares Outstanding: .................. 10,000 Directors: Richard Cargile; Brooks Davis; Dennis Donovan; Al Fowler; Joseph Giezeman; David E. Johnston; Glenn Rambin; Robert Underwood Branches in Town: Two Other Branches: Beebe Peoples Bank Sheridan, AR VOICE: (870) 942-5707 FAX: (870) 942-2489 Trust Powers: No 1120 S. Rock Street 72150 Charter Number: 786 Date: September 11, 2000 FDIC Certificate Number: 57058 Home Page: www.peoplesbankar.com Bank Holding Company None CEO/Pres: John D. Manatt SVP: Roy E. Baxley EVP: Craig L. Manatt SVP: G. Jannette Jones Cash and Due from:...................................... 5,349 Federal Funds and Repos: .............................. 210 Investments: ............................................... 45,377 Net Loans: .................................................. 58,789 Premises and Fixed Assets:.......................... 2,673 Other Real Estate: ........................................... 292 Other Assets: ................................................ 2,650 Total Assets: ............................................. 115,340 Total Trust Assets: ............................................... 0 Deposits: .................................................. 100,669 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 632 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 101,301 Total Equity Capital: .................................... 14,039 Total Liabilities and Capital: ...................... 115,340 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-Seventh Report 77 Smackover State Bank Smackover, AR VOICE: (870) 725-3051 FAX: (870) 725-3049 Trust Powers: Yes 708 North Broadway 71762-0107 Charter Number: 600 Date: April 18, 1928 FDIC Certificate Number: 5623 Home Page: www.smackoverbank.com Bank Holding Company Smackover Bancshares, Inc., Smackover, AR CEO/Pres: Bob Willett SVP: James B. Yeager SVP: J. Drew Tennyson VP/TO: Vicki Davis Cash and Due from: ...................................... 4,138 Federal Funds and Repos: ............................6,035 Investments: ................................................ 90,425 Net Loans:................................................... 69,565 Premises and Fixed Assets: ..........................2,517 Other Real Estate: ..............................................31 Other Assets: ................................................ 1,361 Total Assets: ............................................. 174,072 Total Trust Assets: ........................................2,332 Deposits: ...................................................154,015 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 930 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 154,945 Total Equity Capital: ....................................19,127 Total Liabilities and Capital: .......................174,072 Number of Shares Outstanding: ................100,000 Directors: Dr. Richard Davis; Gary deYampert; J. Drew Tennyson; James M. Tennyson; Bob Willett; James B. Yeager Branches in Town: None Other Branches: El Dorado (2), Norphlet Riverside Bank Sparkman, AR VOICE: (870) 678-2251 FAX: (870) 678-2401 Trust Powers: No Commerce & Main Streets 71763-0127 Charter Number: 457 Date: September 19, 1916 FDIC Certificate Number: 93 Home Page: www.riversidebanc.com Bank Holding Company Riverside Bancshares, Inc., Little Rock, AR CEO/VChm: Stephen C. Davis Pres: Robert G. Dudley, Jr. Cash and Due from: .........................................833 Federal Funds and Repos: .................................. 0 Investments: ..................................................2,300 Net Loans:................................................... 50,929 Premises and Fixed Assets: ..........................2,344 Other Real Estate: .........................................1,181 Other Assets: ................................................ 1,642 Total Assets: ............................................... 59,229 Total Trust Assets: .............................................. 0 Deposits: .....................................................50,916 Federal Funds and Borrowings: .....................3,560 Other Liabilities:............................................... 124 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................54,600 Total Equity Capital: ......................................4,629 Total Liabilities and Capital: .........................59,229 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 78 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:...................................... 4,011 Federal Funds and Repos: ........................... 1,140 Investments: ............................................... 43,844 Net Loans: .................................................. 27,105 Premises and Fixed Assets:............................... 98 Other Real Estate: ............................................. 50 Other Assets: ................................................... 847 Total Assets: ............................................... 77,095 Total Trust Assets: ............................................... 0 Deposits: .................................................... 68,300 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 475 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 68,775 Total Equity Capital: ...................................... 8,320 Total Liabilities and Capital: ........................ 77,095 Number of Shares Outstanding: .................. 10,000 Directors: Charles L. Cabe, Jr.; Scott Hultberg; Billie Nipper; J. Paul Nipper; Michael Sandefur; 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 Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Bennie F. Ryburn, Jr. EVP: Kelley Hunt Pres: R. Mark Owen Cash and Due from:...................................... 1,851 Federal Funds and Repos: .................................. 0 Investments: ............................................... 32,074 Net Loans: .................................................. 64,023 Premises and Fixed Assets:.......................... 3,328 Other Real Estate: ........................................... 119 Other Assets: ................................................ 1,882 Total Assets: ............................................. 103,277 Total Trust Assets: ............................................... 0 Deposits: .................................................... 80,023 Federal Funds and Borrowings: .................. 10,749 Other Liabilities: ............................................... 229 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 91,001 Total Equity Capital: .................................... 12,276 Total Liabilities and Capital: ...................... 103,277 Number of Shares Outstanding: .................. 15,000 Directors: Keith D. Griffin; Kelley Hunt; Tommy L. Lively; Lucille Ollar; R. Mark Owen; Bennie F. Ryburn, Jr.; Marion Ryburn; Kevin White Branches in Town: None Other Branches: Dumas, Pine Bluff (2), White Hall Ninety-Seventh Report 79 Security Bank Stephens, AR VOICE: (870) 786-5416 FAX: (870) 786-5419 Trust Powers: No 105 Ruby Street 71764-0007 Charter Number: 692 Date: February 8, 1946 FDIC Certificate Number: 16395 Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm/CEO: Carol Reaves EVP: Duncan Grayson Pres: Guy R. "Buck" Smith EVP/CFO: Cheryl Brown Cash and Due from: .........................................938 Federal Funds and Repos: ............................1,350 Investments: ..................................................6,935 Net Loans:................................................... 34,865 Premises and Fixed Assets: ..........................1,806 Other Real Estate: ............................................102 Other Assets: ................................................ 2,234 Total Assets: ............................................... 48,230 Total Trust Assets: .............................................. 0 Deposits: .....................................................43,598 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................1,181 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................44,779 Total Equity Capital: ......................................3,451 Total Liabilities and Capital: .........................48,230 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: .................................... 12,554 Federal Funds and Repos: .................................. 1 Investments: .............................................. 192,367 Net Loans:................................................. 336,875 Premises and Fixed Assets: ..........................6,935 Other Real Estate: .........................................7,609 Other Assets: .............................................. 43,018 Total Assets: ............................................. 599,359 Total Trust Assets: ...................................... 59,745 Deposits: ...................................................478,573 Federal Funds and Borrowings: ...................37,583 Other Liabilities:.............................................4,785 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 520,941 Total Equity Capital: ....................................78,418 Total Liabilities and Capital: .......................599,359 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 80 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:...................................... 7,805 Federal Funds and Repos: .................................. 0 Investments: ............................................. 106,525 Net Loans: ................................................ 223,589 Premises and Fixed Assets:.......................... 4,158 Other Real Estate: ........................................ 3,764 Other Assets: .............................................. 11,295 Total Assets: ............................................. 357,136 Total Trust Assets: ........................................ 8,492 Deposits: .................................................. 315,766 Federal Funds and Borrowings: .................... 2,049 Other Liabilities: ............................................ 2,326 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 320,141 Total Equity Capital: .................................... 36,995 Total Liabilities and Capital: ...................... 357,136 Number of Shares Outstanding: .................. 16,000 Directors: Jimmy G. Bell; Warren D. Blaylock; Mont S. Echols, Jr.; Morril H. Harriman; D. Keith Hefner; L. Scott McBrayer; Brett D. Peters; Paul D. Shirley; Samuel M. Sicard; William W. Thomas; James G. Williamson, Jr. Branches in Town: Three Other Branches: Alma, Mountainburg First Community Bank of Crawford County Van Buren, AR VOICE: (479) 471-5400 FAX: (479) 471-5404 Trust Powers: No 2925 Alma Highway, Suite A Charter Number: 784 72956 Date: July 7, 2000 FDIC Certificate Number: 35573 Home Page: www.firstcommunity-bank.com Bank Holding Company Ashley Bancstock Company, Crossett, AR Chm: Eddie Holt VP: Alisa Kelly CEO/Pres: Jim Fincher Cash: Karen Brown Cash and Due from:...................................... 2,720 Federal Funds and Repos: ........................... 5,440 Investments: ................................................. 5,004 Net Loans: .................................................. 73,019 Premises and Fixed Assets:.......................... 4,230 Other Real Estate: ........................................ 1,156 Other Assets: ................................................ 5,002 Total Assets: ............................................... 96,571 Total Trust Assets: ............................................... 0 Deposits: .................................................... 81,134 Federal Funds and Borrowings: .................... 4,011 Other Liabilities: ............................................... 365 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 85,510 Total Equity Capital: .................................... 11,061 Total Liabilities and Capital: ........................ 96,571 Number of Shares Outstanding: .................. 52,840 Directors: Jim Fincher; John Hall; Tim Hodges; Richard Hodo; Eddie Holt; Clovis Satterfield Branches in Town: One Other Branches: Alma Ninety-Seventh Report 81 First State Bank of Warren Warren, AR VOICE: (870) 226-2601 FAX: (870) 226-2253 Trust Powers: Yes Main Street 71671-0029 Charter Number: 739 Date: December 12, 1978 FDIC Certificate Number: 94 Home Page: www.firststatewarren.com Bank Holding Company Bradley Bancshares, Inc., Warren, AR Chm/CEO: Bennie Ryburn, Jr. EVP/TO: Hugh Quimby Pres: Freddie M. Mobley Cash and Due from: ...................................... 8,309 Federal Funds and Repos: .................................. 0 Investments: ................................................ 42,843 Net Loans:................................................... 46,050 Premises and Fixed Assets: ..........................1,219 Other Real Estate: ............................................353 Other Assets: ................................................ 1,423 Total Assets: ............................................. 100,197 Total Trust Assets: ........................................1,690 Deposits: .....................................................88,937 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 377 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................89,314 Total Equity Capital: ....................................10,883 Total Liabilities and Capital: .......................100,197 Number of Shares Outstanding: ..................59,000 Directors: Robert Garner; Roger George; Robert Green, Jr.; Freddie M. Mobley; Hugh A. Quimby; Bennie Ryburn, III; Bennie F. Ryburn, Jr.; Dr. Joe H. Wharton Branches in Town: One Other Branches: Hampton, Hermitage Warren Bank and Trust Company Warren, AR VOICE: (870) 226-2621 FAX: (870) 226-6261 Trust Powers: Yes 201 South Main 71671-0350 Charter Number: 80 Date: December 28, 1901 FDIC Certificate Number: 81 Home Page: www.warrenbanktrust.com Member of Federal Reserve System Bank Holding Company None Chm/Pres: John B. Frazer, Jr. SVP/CLO: Kelly Ashcraft SVP/CFO/COO/TO: Hunter W. Johnson SVP/Cash: James E. Smith Cash and Due from: ...................................... 4,457 Federal Funds and Repos: ...............................780 Investments: ................................................ 68,824 Net Loans:................................................... 54,602 Premises and Fixed Assets: .............................899 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,802 Total Assets: ............................................. 131,364 Total Trust Assets: ...................................... 25,106 Deposits: ...................................................108,493 Federal Funds and Borrowings: .....................2,847 Other Liabilities:............................................... 200 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 111,540 Total Equity Capital: ....................................19,824 Total Liabilities and Capital: .......................131,364 Number of Shares Outstanding: ..................48,000 Directors: Bruce Anderson; Dr. Donnie R. Bryant; Gerald Burton; Carlton E. Davis; Lawrence H. Derby, Jr.; John B. Frazer, Jr.; Dr. Rocky K. Lindsey; Jeffrey B. McGaha; Dr. Kerry F. Pennington Branches in Town: Two Other Branches: Hermitage 82 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/TO: Kenneth Lenoir CEO/Pres: Scott Stafford EVP/COO: John Chandler Cash and Due from:...................................... 1,732 Federal Funds and Repos: ........................... 2,049 Investments: ............................................... 25,557 Net Loans: ................................................ 125,830 Premises and Fixed Assets:.......................... 3,088 Other Real Estate: ........................................... 300 Other Assets: ................................................ 9,060 Total Assets: ............................................. 167,616 Total Trust Assets: .................................... 318,594 Deposits: .................................................. 122,640 Federal Funds and Borrowings: .................. 26,123 Other Liabilities: ............................................ 2,248 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 151,011 Total Equity Capital: .................................... 16,605 Total Liabilities and Capital: ...................... 167,616 Number of Shares Outstanding: .................. 68,286 Directors: Donald Clanton; J. De DeHart; Lewis Holland; Forrest N. Jenkins; Scot Lenoir; Lon Magness; John T. Pitts, Jr.; W. Scott Stafford; Stephen Valentine Branches in Town: None Other Branches: Brinkley, Cordova[TN], Parkin, Wynne Ninety-Seventh Report 83 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: ...................................... 5,347 Federal Funds and Repos: .................................. 0 Investments: ................................................ 21,034 Net Loans:................................................. 129,875 Premises and Fixed Assets: ..........................5,028 Other Real Estate: .........................................4,572 Other Assets: ................................................ 3,598 Total Assets: ............................................. 169,454 Total Trust Assets: ........................................8,822 Deposits: ...................................................144,059 Federal Funds and Borrowings: .....................3,923 Other Liabilities:............................................... 166 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 148,148 Total Equity Capital: ....................................21,306 Total Liabilities and Capital: .......................169,454 Number of Shares Outstanding: ....................4,000 Directors: Dr. Willard G. Burks; Guy E. Fisher; Albert A. Hess; Pete L. Imboden, III; R. Vance Lawson; Thomas W. Morgan, Jr.; Roger E. Pohlner; Donald L. Reddmann; R. Joe Rennicke; James A. Richardson Branches in Town: One Other Branches: Cherry Valley, Hickory Ridge, Jonesboro REPORT OF THE STATE CHARTERED NON-PROFIT ORGANIZATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2011 Ninety-Seventh Report 85 Arkansas Capital Corporation Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Chm: Rush Deacon CEO: C. Sam Walls 200 River Market Avenue, Suite 400 72201-1766 Charter Number: 1006 Date: August 6, 1958 Home Page: www.arcapital.com Bank Holding Company None Pres: Dennis Cooper EVP: Jay W. Wisener Cash and Due from: ...................................... 4,000 Federal Funds and Repos: .................................. 0 Investments: ..................................................4,941 Net Loans:................................................... 35,787 Premises and Fixed Assets: ..........................1,064 Other Real Estate: ............................................327 Other Assets: ................................................ 1,292 Total Assets: ............................................... 47,411 Total Trust Assets: .............................................. 0 Deposits: ............................................................. 0 Federal Funds and Borrowings: ...................41,768 Other Liabilities:.............................................1,874 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................43,642 Total Equity Capital: ......................................3,769 Total Liabilities and Capital: .........................47,411 Number of Shares Outstanding: ....................1,077 Directors: Orville E. Abrams; John W. Ahlen; Phil Baldwin; Charles Cervantes; Brad Chambless; Dennis Cooper; Rush B. Deacon; Mac Dodson; Maria Haley; Virgil L. Miller, Jr.; David H. Shindler; William T. Staed; Kathy Struckman; C. Sam Walls Branches in Town: None Other Branches: Fayetteville, Jonesboro REPORT OF TRUST COMPANIES (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2011 Ninety-Seventh Report 87 Centennial Trust Company Conway, AR VOICE: (501) 312-1442 FAX: (501) 312-1477 719 Harkrider, Suite 100 72032 Charter Number: 35000 Date: May. 22, 2001 CEO/Pres/CFO: 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 135 Section Line Road, C-1 71913 CEO/Pres: William L. Kerst, Jr. Charter Number: 35001 Date: June 17, 1998 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, 2011 Ninety-Seventh Report 89 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 Treas: James C. Hawkins REPORT OF THE CAPITAL DEVELOPMENT COMPANY (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2011 Ninety-Seventh Report 91 Commerce Capital Development Company, LLC Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Pres: C. Sam Walls 200 Rivermarket Avenue, Suite 400 72201 Charter Number: 45001 Date: Aug. 28, 2003 Sec: Sam Walls, III LIST OF COMMERCIAL BANKS BY COUNTY AND MAP OF ARKANSAS COUNTIES JUNE 30, 2011 Ninety-Seventh Report 93 COUNTY BANK CITY Arkansas Arkansas County Bank DeWitt Bank And Trust Company The Farmers and Merchants Bank Ashley First National Bank of Crossett First State Bank Farmers Bank Delta Trust & Bank Home Bank of Arkansas Baxter First National Bank and Trust Company Benton Decatur State Bank Bank of Gravett Parkway Bank Pinnacle Bank Simmons First Bank of Northwest Arkansas Decatur Gravette Rogers Rogers Rogers Boone Community First Bank Harrison Bradley First State Bank of Warren Warren Bank and Trust Company Calhoun Calhoun County Bank Carroll The First National Bank of Berryville Cornerstone Bank The First National Bank in Green Forest Berryville Eureka Springs Green Forest Chicot The Eudora Bank The Bank of Lake Village Simmons First Bank of South Arkansas Eudora Lake Village Lake Village Clark Southern Bancorp Bank Summit Bank Arkadelphia Arkadelphia Clay Piggott State Bank Cleburne Heber Springs State Bank Cleveland The Bank of Rison Columbia Farmers Bank and Trust Company The Peoples Bank DeWitt DeWitt Stuttgart Crossett Crossett Hamburg Parkdale Portland Mountain Home Warren Warren Hampton Piggott Heber Springs Rison Magnolia Magnolia Arkansas State Bank Department 94 COUNTY BANK CITY Conway Petit Jean State Bank Craighead Heritage Bank, National Association Liberty Bank of Arkansas Simmons First Bank of Jonesboro Jonesboro Jonesboro Jonesboro Crawford Allied Bank Citizens Bank & Trust Company First Community Bank of Crawford County Mulberry Van Buren Van Buren Crittenden First Community Bank of Eastern Arkansas Evolve Bank & Trust Fidelity National Bank Cross Cross County Bank The First National Bank of Wynne Dallas Fordyce Bank & Trust Company Riverside Bank Fordyce Sparkman Desha Merchants & Farmers Bank The First National Bank of McGehee McGehee Bank Dumas McGehee McGehee Drew Commercial Bank & Trust Company Union Bank And Trust Company Monticello Monticello Faulkner Centennial Bank First Service Bank Conway Greenbrier Fulton Bank of Salem Garland First National Bank Hot Springs Bank & Trust Company Simmons First Bank of Hot Springs Grant Peoples Bank Greene First National Bank Hot Spring The Malvern National Bank Independence The Citizens Bank First Community Bank Morrilton Marion West Memphis West Memphis Wynne Wynne Salem Hot Springs Hot Springs Hot Springs Sheridan Paragould Malvern Batesville Batesville Ninety-Seventh Report 95 COUNTY BANK CITY Izard The First National Bank of Izard County Jackson Merchants & Planters Bank Jefferson Pine Bluff National Bank Simmons First National Bank Lafayette Community State Bank Bodcaw Bank Lawrence The First National Bank of Lawrence County Lincoln Bank of Star City Logan First Western Bank The First National Bank at Paris Logan County Bank Lonoke Bank of England First State Bank Madison First State Bank of Northwest Arkansas Marion Twin Lakes Community Bank Mississippi Farmers Bank And Trust Company 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 Calico Rock Newport Pine Bluff Pine Bluff Bradley Stamps Walnut Ridge Star City Booneville Paris Scranton England Lonoke Huntsville Flippin Helena Mena Russellville Russellville Arkansas State Bank Department 96 COUNTY BANK CITY 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 Saline Heartland Community Bank Sebastian The First National Bank of Fort Smith Farmers Bank Sevier First State Bank of DeQueen Horatio State Bank DeQueen Horatio Sharp First National Banking Company Bank of Cave City Ash Flat Cave City St. Francis First National Bank of Eastern Arkansas Forrest City Bank, National Association Stone Ozark Heritage Bank, N. A. Union First Financial Bank Simmons First Bank of El Dorado 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 Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock North Little Rock Bryant Fort Smith Greenwood Forrest City Forrest City Mountain View Bald Knob Searcy Searcy Augusta McCrory Danville Dardanelle Ninety-Seventh Report MAP OF ARKANSAS COUNTIES 97 ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2011 Ninety-Seventh Report 99 Southern Bancorp Inc. Arkadelphia, AR RSSD Number: 1248939 VOICE: (870) 246-3945 FAX: (870) 246-2182 605 Main, Suite 202 71923-6037 CEO: Walter Smiley CFO: Scott Fife Subsidiaries: Southern Bancorp Bank Phillips Insurance Agency, Inc. First Investment Advisory Services, Inc. Southern Development Capital Trust Southern Development Statutory Trust III Southern Development Statutory Trust IV Southern Property Corporation of the Delta Arkadelphia, AR Elaine, AR Helena, 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 71923-0965 Chm/CEO: Ross M. Whipple Pres/COO: Marcus J. McCain EVP/CFO: Brent Black EVP/CAO: John A. Bryant Subsidiaries: Summit Bank Summit Real Estate Investments, Inc. Arkadelphia, AR Arkadelphia, AR Citizens State Bankshares of Bald Knob, Inc. Bald Knob, AR RSSD Number: 1096822 VOICE: (501) 724-3241 FAX: (501) 724-5985 Chm/CEO/Pres: Larry E. Kircher Subsidiaries: Citizens State Bank Citizens State Investments, Inc. 306 South Elm Street P. O. Box 200 72010-0200 VChm/Sec: Molly H. Kircher Bald Knob, AR Bald Knob, AR Arkansas State Bank Department 100 Citizens Bancshares of Batesville, Inc. Batesville, AR RSSD Number: 1131077 VOICE: (870) 793-4441 FAX: (870) 698-6299 200 South Third Street P. O. Box 2156 72503-2156 CEO/Pres: John Dews Sec: Greg Shaver Subsidiaries: The Citizens Bank Citizens Investments, Inc. Citizens Bancshares (AR) Statutory Trust I Batesville, AR Batesville, AR Batesville, AR First Community Bancshares, Inc. Batesville, AR RSSD Number: 2641694 VOICE: (870) 612-3400 FAX: (870) 612-3412 1325 Harrison Street P. O. Box 4327 72501-4327 Chm/CEO/Pres: Dale E. Cole EVP: Boris A. Dover CFO: Jason Taylor Sec: Dianne Lamberth Subsidiaries: First Community Bank Batesville Insurance Agency, Inc. First Community Real Estate, Inc. WR Holding Co., LLC Batesville, AR Batesville, AR Batesville, AR Batesville, AR Bearden Bancshares, Inc. Bearden, AR RSSD Number: 2993722 VOICE: (870) 687-2233 FAX: (870) 687-2474 Chm: Rick Green Subsidiaries: Bank of Bearden BBI Insurance Agency, Inc. #1 Second Street P. O. Box 135 71720-0135 Sec: Ken Riley Bearden, AR Bearden, AR Ninety-Seventh Report 101 Arvest Bank Group, Inc. Bentonville, AR RSSD Number: 1095674 VOICE: (479) 464-1500 FAX: (479) 464-1540 Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Holdings, Inc. Arvest Bank Central Mortgage Company Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. Arvest Mortgage Company ABREHB, LLC RHV, LLC First Place on the Creeks, LLC WACO Title Company ATC Services, Inc. Security Bankcard Center, Inc. Southwest Cattlemen's Corporation Superior Finance Company Superior Financial Statutory Trust II CFB Aviation, LLC AREH, LLC ABREHA, LLC ABREHC, LLC ABREHD, LLC Arvest Trust Company, N. A. Arvest Statutory Trust I 125 West Central #218 P. O. Box 1860 72712 Sec: Karla Payne Bentonville, AR Fayetteville, AR Little Rock, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Rogers, AR Springdale, AR Bartlesville, OK Norman, OK Tulsa, OK Tulsa, OK Hartford, CT Bentonville, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Rogers, AR Hartford, CT Arkansas State Bank Department 102 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 Central Mortgage Company Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. Arvest Mortgage Company ABREHB, LLC RHV, LLC First Place on the Creeks, LLC WACO Title Company ATC Services, Inc. Security Bankcard Center, Inc. Southwest Cattlemen's Corporation Superior Finance Company Superior Financial Statutory Trust II Fayetteville, AR Little Rock, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Rogers, AR Springdale, AR Bartlesville, OK Norman, OK Tulsa, OK Tulsa, OK Hartford, CT Farmers Bancorp, Inc. Blytheville, AR RSSD Number: 1247615 VOICE: (870) 763-8101 FAX: (870) 763-3500 Chm/CEO/Pres: Steve Bell VP: Paula O. Blackwell Subsidiaries: Farmers Bank And Trust Company 400 West Main Street P. O. Box 688 72316-0688 Sec: Randy Scott Blytheville, AR Ninety-Seventh Report 103 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. WPC, LLC First Western Statutory Trust II First Western Statutory Trust III Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Rogers, 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. WPC, LLC First Western Statutory Trust II First Western Statutory Trust III Sec: Debbie Danekas Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Rogers, AR Booneville, AR Booneville, AR Arkansas State Bank Department 104 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 Hampton, AR Sharp Bancshares, Inc. Cave City, AR RSSD Number: 1099663 VOICE: (870) 283-5301 FAX: (870) 283-6466 133 South Main P. O. Box 490 72521-0490 Chm: Samuel F. Beller VChm: Bruce Street Pres: Margie Pettersen Treas/Sec: Dennis Esteb Subsidiaries: Bank of Cave City Cave City Properties, Inc. Cave City, AR Cave City, AR Clarendon Holding Co. Clarendon, AR RSSD Number: 1099252 VOICE: (870) 747-3319 FAX: (870) 747-3498 Chm: J. Baxter Sharp, III Subsidiaries: The Merchants and Planters Bank 297 Madison P. O. Box 280 72029-0280 CEO/Pres: J. Kendall Henry Clarendon, AR Ninety-Seventh Report 105 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 Centennial Insurance Agency, Inc. Grand Prairie Title Company, Inc. OSB Reacquisitions, LLC Cook Insurance Agency, Inc. Coastal St. Andrews Properties, LLC Centennial Trust Company Home BancShares Statutory Trust I Home BancShares Statutory Trust II Marine Bancorp Statutory Trust I Centennial (AR) Statutory Trust I Conway, AR Cabot, AR Cabot, AR Conway, AR Apalachicola, FL Panama City Beach, FL Conway, AR Hartford, CT Hartford, CT Hartford, CT Wilmington, DE Ashley Bancstock Company Crossett, AR RSSD Number: 1099337 VOICE: (870) 364-1300 FAX: (870) 364-2205 CEO/Pres: Edward Holt EVP: Jim V. Fincher Subsidiaries: First National Bank of Crossett First Community Bank of Crawford County Ashley Bancstock Company Statutory Trust I 218 Main Street 71635 Treas/Sec: Gerald G. Crawford, II Crossett, AR Van Buren, AR Crossett, AR Arkansas State Bank Department 106 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/Pres: William R. Bullock, Sr. Subsidiaries: River Town Bank 102 North Front Street P. O. Box 577 72834-0577 Sec: Sharon Wilson Dardanelle, AR Ninety-Seventh Report 107 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/CEO/Pres: R. Mark Londagin Subsidiaries: Decatur State Bank Decatur Insurance Agency Grand Savings Bank Decatur, AR Decatur, AR Grove, OK First State Bancshares, Inc. DeQueen, AR RSSD Number: 2032724 VOICE: (870) 642-4423 FAX: (870) 642-2847 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. FSBI Statutory Trust I DeQueen, AR DeQueen, AR DeQueen, AR DBT Financial Corporation DeWitt, AR RSSD Number: 1139176 VOICE: (870) 946-3531 FAX: (870) 946-2815 Pres: Nancy F. Rasco Second and Jefferson Streets P. O. Drawer 71 72042-0071 Sec: David Jessup Subsidiaries: DeWitt Bank And Trust Company DBT Realty Company, Inc. P & M Realty, Inc. DeWitt Bank and Trust Insurance Company, Inc DeWitt, AR DeWitt, AR DeWitt, AR DeWitt, AR Arkansas State Bank Department 108 DeWitt First Bankshares Corporation DeWitt, AR RSSD Number: 1099243 VOICE: (870) 946-3551 FAX: (870) 946-1562 220 West Cross P. O. Box 511 72042-0511 Pres: Warren A. Jennings, Sr. Sec: Warren A. Jennings, Jr. Subsidiaries: Arkansas County Bank DeWitt, AR M & F Financial Corporation Dumas, AR RSSD Number: 1099506 VOICE: (870) 382-4311 FAX: (870) 382-5901 Chm/CEO: L. Ashton Adcock Pres: J. Michael Jones 500 Highway 65 South P. O. Box 187 71639-0187 Treas/Sec: Betty B. Trites Subsidiaries: Merchants & Farmers Bank Dumas, AR First Financial Banc Corporation El Dorado, AR RSSD Number: 2568102 VOICE: (870) 863-7000 FAX: (870) 881-5393 CEO/Pres: J. Stephen Cameron CFO: Melissa Jerry 214 North Washington Street P. O. Box 1754 71730-1754 COO: Jerry Bullard Sec: Debra Martin Subsidiaries: First Financial Bank First Title Services, Inc. First Financial Banc Corporation Statutory Trust I First Financial Statutory Trust III El Dorado, AR El Dorado, AR El Dorado, AR El Dorado, AR Ninety-Seventh Report 109 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 72046-0070 Chm/CEO/Pres: Gary Canada Subsidiaries: Bank of England BOE Acquisition Company, Inc. England, AR Little Rock, AR Eureka Bancshares, Inc. Eureka Springs, AR RSSD Number: 2941769 VOICE: (479) 253-3000 FAX: (479) 253-3004 70 South Main P. O. Box 309 72632-0309 Chm/CEO/Pres: John F. Cross 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 72701 EVP: Billie Pelton EVP: Sam Stricklin Fayetteville, AR Fayetteville, AR Fayetteville, AR Fayetteville, AR Arkansas State Bank Department 110 White River Bancshares Company Fayetteville, AR RSSD Number: 3306589 VOICE: (479) 684-3700 FAX: (479) 684-3795 3878 N. Crossover Road, Suite 20 P. O. Box 8550 72703 Bank Holding Company Community First Bancshares, Inc., Harrison, AR Chm/CEO/Pres: Gary R. Head CFO: Russell W. Nugent, Jr. CCO: Daniel J. Lewis COO: Marilyn K. Hendricks Subsidiaries: Signature Bank of Arkansas Fayetteville, AR FBT Bancshares, Inc. Fordyce, AR RSSD Number: 1099092 VOICE: (870) 352-3107 FAX: (870) 352-5202 Chm/CEO/Pres: James V. Hulse, Jr. EVP: Bruce Dawson Subsidiaries: Fordyce Bank & Trust Company 200 West 4th Street 71742-2202 EVP: Don Lyle EVP/Sec: Suzette Crutchfield Fordyce, AR Ninety-Seventh Report 111 First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (479) 782-2041 FAX: (479) 788-4602 602 Garrison Avenue P. O. Box 7 72902-0007 Chm/CEO/Pres: Samuel M. Sicard EVP: Samuel T. Sicard SVP: Mont S. Echols, Jr. VP: James G. Williamson, Jr. Subsidiaries: The First National Bank of Fort Smith Citizens Bank & Trust Company PMF, Inc. National Bank of Sallisaw Brown-Hiller, Inc. First Asset Holdings, LLC Realty Appraisals, Inc. Brown-Hiller-Clark & Associates of Oklahoma, Inc. Fort Smith, AR Van Buren, AR Van Buren, AR Sallisaw, OK Fort Smith, AR Fort Smith, AR Fort Smith, AR Sallisaw, OK Bainum Bancorp Glenwood, AR RSSD Number: 1491333 VOICE: (870) 356-2121 FAX: (870) 356-6327 Chm: Timothy E. Bainum Subsidiaries: Diamond Bank Diamond State Insurance Agency 205 Hwy 70 East P. O. Box 500 71943 Sec: Lynda Robbins Murfreesboro, AR Murfreesboro, AR Arkansas State Bank Department 112 Gravett Bancshares, Inc. Gravette, AR RSSD Number: 3143953 VOICE: (479) 787-5251 FAX: (479) 787-6102 211 SE Main Street P. O. Box 149 72736-0149 Chm/Pres: John R. Meade EVP/Sec: David N. Wills VP: Jim A. Edmondson Subsidiaries: Bank of Gravett Gravette, AR First Service Bancshares, Inc. Greenbrier, AR RSSD Number: 1137266 VOICE: (501) 679-7200 FAX: (501) 679-5104 136 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 Subsidiaries: Home Bank of Arkansas HomeBank Insurance Agency 61 A South Broadview P. O. Box 307 72058 VP: Bill Hannah Sec: Terry Milam Portland, AR Greenbrier, AR Ninety-Seventh Report 113 Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (479) 996-4171 FAX: (479) 996-6700 Chm: Elizabeth Wilkinson 71 West Center Street P. O. Box 610 72936-0610 CEO/Pres: Edward Wilkinson Subsidiaries: Farmers Bank Greenwood, AR Community First Bancshares, Inc. Harrison, AR RSSD Number: 2754585 VOICE: (870) 391-8000 FAX: (870) 391-8081 Chm/CEO: Jerry Maland 200 East Ridge P. O. Box 913 72602-0913 Sec: Dan R. Bowers Subsidiaries: White River Bancshares Company Signature Bank of Arkansas Community First Bank Community First AR Statutory Trust I Mobius Technology Consulting, LLC Fayetteville, AR Fayetteville, AR Harrison, AR Harrison, AR Springfield, MO Pioneer Bancshares, Inc. of Horatio, Arkansas Horatio, AR RSSD Number: 1139091 VOICE: (870) 832-2501 FAX: (870) 832-2577 Chm/CEO/Pres: Edith H. Smith VP: C. E. Hendrix, Jr. Subsidiaries: Horatio State Bank 123 Main Street P. O. Box 347 71842-0347 Treas/Sec: Carl E. Hendrix, III Horatio, AR Arkansas State Bank Department 114 Smith Associated Banking Corporation Hot Springs, AR RSSD Number: 1098004 VOICE: (501) 623-4292 FAX: (501) 624-7187 1801 Central Avenue, Suite D 71901 Chm/CEO: G. R. Buck Smith Subsidiaries: Bank of Salem SABCO Insurance, Inc. Security Bank Ouachita Properties, Inc. Stephens Security Insurance Agency, Inc. Salem, AR Salem, AR Stephens, AR Stephens, AR Stephens, AR First Arkansas BancShares, Inc. Jacksonville, AR RSSD Number: 1096550 VOICE: (501) 982-4511 FAX: (501) 982-5769 Chm/CEO/Pres: Larry T. Wilson EVP/Sec: John Hardwick Subsidiaries: First Arkansas Bank & Trust First Arkansas Mortgage Company First Arkansas Statutory Trust I 600 West Main Street P. O. Box 827 72078-0827 SVP/CFO: Kim Crook Sec: John McNee Jacksonville, AR Jacksonville, AR Jacksonville, AR Ninety-Seventh Report 115 Liberty Bancshares, Inc. Jonesboro, AR RSSD Number: 3101784 VOICE: (870) 934-9000 FAX: (870) 268-1551 2901 East Highland Drive P. O. Box 7514 72403 Chm/CEO: Wallace W. Fowler Pres: Mark P. Fowler VP: John C. Freeman Sec: Lloyd H. McCracken, Jr. Subsidiaries: Liberty Bank of Arkansas Freedom Insurance Group, Inc. Town & Country Insurance Agency, Inc. Liberty Statutory Trust 1 Liberty Statutory Trust II MSB Capital Trust I Russellville Statutory Trust I Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Southeast Arkansas Bank Corporation Lake Village, AR RSSD Number: 1137033 VOICE: (870) 265-2241 FAX: (870) 265-2125 Chm/CEO: Charles H. Weissinger, Jr. VChm: William W. Bunker Subsidiaries: The Bank of Lake Village BLV Realty, Inc. The Jefferson Bank The Jefferson Agency Jefferson Ag Credit 201 Main Street P. O. Box 727 71653-0727 Pres: Terence J. Alpe COO: Shannon M. Hill Lake Village, AR Lake Village, AR Fayette, MS Fayette, MS Greenville, MS Arkansas State Bank Department 116 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 Boulevard 72207 Pres: Alex Golden Bradley, AR Ninety-Seventh Report 117 Bank of the Ozarks, Inc. Little Rock, AR RSSD Number: 1097089 VOICE: (501) 978-2265 FAX: (501) 978-2205 17901 Chenal Parkway P. O. Box 8811 72231-8811 Chm/CEO: George G. Gleason, II VChm/COO: Mark D. Ross CFO: Greg McKinney Subsidiaries: Bank of the Ozarks ASMSA Investment Fund, LLC BOTO, LLC Open Avenues Investment Fund, LLC The Highlands Group, Inc. Jaxsonville-Ocala Station, LLC Wares Creek Corporate Park, LLC West Manatee Avenue Property, LLC FCB Properties, Inc. PAB State Credits, LLC HOJ Equities, LLC Ozark Capital Statutory Trust II Ozark Capital Statutory Trust III Ozark Capital Statutory Trust IV Ozark Capital Statutory Trust V Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Bradenton, FL Bradenton, FL Bradenton, FL Valdosta, GA Valdosta, GA Dallas, TX Hartford, CT Wilmington, DE Wilmington, DE Chicago, IL 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 118 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. Moore Mortgage, Inc. Parkdale, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock Bankshares, Inc. Little Rock, AR RSSD Number: 2617082 VOICE: (501) 376-0800 FAX: (501) 374-7937 Chm/CEO: Eugene L. Maris Pres: George G. Worthen Subsidiaries: Bank of Little Rock BLR Mortgage Corp. Hallmark Loan & Inv. Co. Little Rock Mortgage Corp. 200 North State Street P. O. Box 34090 72203 SVP/Cash: Lee A. Swearingen Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Ninety-Seventh Report 119 Riverside Bancshares, Inc. Little Rock, AR RSSD Number: 2155342 VOICE: (501) 614-6161 FAX: (501) 614-6162 1001 W. Markham, 2nd Floor 72201 Pres: Stephen C. Davis Sec: David Matchet Subsidiaries: Riverside Bank Arkansas Mortgage Company, Inc. Little Rock Title Company Riverside Mortgage Company, Inc. Sparkman, AR Fayetteville, AR Little Rock, AR Little Rock, AR Rock Bancshares, Inc. Little Rock, AR RSSD Number: 3770313 VOICE: (501) 664-8722 FAX: (501) 663-8753 Chm/CEO/Pres: L. Walter Quinn Subsidiaries: Heartland Community Bank HCB Properties, Inc. Heartland Insurance, LLC HCB Investments, Inc. Rock Bancshares Statutory Trust I Rock Bancshares Statutory Trust II One Information Way 72202 Atty: Joseph W. Gregory Bryant, AR Bryant, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR 120 Arkansas State Bank Department State Holding Company Little Rock, AR RSSD Number: 1100046 VOICE: (501) 223-3450 FAX: (501) 223-8008 650 South Shackleford, Suite 450 72211 Chm: Harry L. Hastings, Jr. CEO/Pres: Catherine H. Owen EVP: Paul Castleberry SVP: Laura Bogoslavsky Subsidiaries: Heber Springs State Bank Eagle Development Company North Eagle Bank & Trust Company Eagle Development Company South State Mortgage Company Heber Springs, AR Heber Springs, AR Little Rock, AR Little Rock, AR Little Rock, AR Lonoke Bancshares, Inc. Lonoke, AR RSSD Number: 1491614 VOICE: (501) 676-3106 FAX: (501) 676-5046 Chm: Neil Bennett, Jr. CEO: David R. Estes Subsidiaries: First State Bank First State Land Co., Inc. Lonoke Statutory Trust I Lonoke Statutory Trust II 101 South Center Street P. O. Box 320 72086-0320 Sec: Karen Hardke Lonoke, AR Lonoke, AR Lonoke, AR Lonoke, AR Ninety-Seventh Report 121 Golden Oaks Bancshares, Inc. Magnolia, AR RSSD Number: 1098684 VOICE: (870) 234-5777 FAX: (870) 234-3384 500 North Jackson Street P. O. Box 340 71754-0340 Chm: S. Clark Fincher VChm: Harold H. Fincher Pres: Mary L. Fowler 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 200 East Main Street P. O. Box 250 71754-0250 Chm/CEO/Pres: Bob L. Burns EVP: Steve Keith EVP: Bruce D. Maloch Sec: T. H. Bradley Subsidiaries: Farmers Bank and Trust Company Magnolia Properties, Inc. Magnolia Statutory Trust I Magnolia Statutory Trust II Magnolia, AR Magnolia, AR Magnolia, AR Magnolia, AR FCB Financial Services, Inc. Marion, AR RSSD Number: 3123339 VOICE: (870) 739-7300 FAX: (870) 739-2234 Pres: M. Don Underwood EVP/CFO: Brenda Eldridge Subsidiaries: First Community Bank of Eastern Arkansas FCB Insurance Services, Inc. 205 Block Street P. O. Box 747 72364-0747 Sec: Frank A. Fogleman Marion, AR Marion, AR Arkansas State Bank Department 122 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 105 South Edmonds Avenue P. O. Box 388 72101-0388 CEO/Pres: John G. Thompson AVP: Caleb Thompson Sec: Vance M. Thompson, III Subsidiaries: Bank of McCrory McCrory, AR McGehee Bank Employee Stock Ownership Plan McGehee, AR nd RSSD Number: 3487965 VOICE: (870) 222-3151 FAX: (870) 222-6159 Chm: William W. Bowman VChm: John H. Potter Subsidiaries: Southeast Financial Bankstock Corporation McGehee Bank McBank Realty 301 North 2 Street P. O. Box 787 71654-0787 Pres: James M. Smith McGehee, AR McGehee, AR McGehee, AR Ninety-Seventh Report 123 Southeast Financial Bankstock Corporation McGehee, AR nd RSSD Number: 1096662 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2 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 Arkansas State Bank Department 124 Drew Bancshares, Inc. Monticello, AR RSSD Number: 1098198 VOICE: (870) 367-2025 FAX: (870) 367-1151 212 West Gaines P. O. Box 150 71657-0150 Chm: Bennie Ryburn, Jr. Pres: George T. Harris SVP: Michael Efird SVP: Rusty Smith Subsidiaries: Commercial Bank & Trust Company Monticello, AR First Union Financial Corporation Monticello, AR RSSD Number: 1098880 VOICE: (870) 460-6400 FAX: (870) 460-6465 102 West McCloy P. O. Box 270 71657-0270 Chm/CEO: Zach McClendon, Jr. Pres: Dave Dickson Sec: John S. McClendon Subsidiaries: Union Bank And Trust Company 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 Ninety-Seventh Report 125 Acme Holding Co., Inc. Employee Stock Ownership Plan (ESOP) Mulberry, AR RSSD Number: 2576424 VOICE: (479) 997-1154 FAX: (479) 997-1161 311 Main Street P. O. Drawer A 72947-0480 CEO/Pres: Alex Golden Subsidiaries: Acme Holding Company, Inc. Allied Bank The Mortgage Bank of Arkansas, Inc. Acme Statutory Trust I Mulberry, AR Mulberry, AR Little Rock, AR Mulberry, AR Acme Holding Company, Inc. Mulberry, AR RSSD Number: 1140556 VOICE: (479) 997-1154 FAX: (479) 997-1161 311 Main Street P. O. Drawer A 72947-0480 Bank Holding Company Acme Holding Co., Inc. Employee Stock Ownership Plan (ESOP), Mulberry, AR CEO: Lex Golden Pres: Alex Golden Subsidiaries: Allied Bank The Mortgage Bank of Arkansas, Inc. Acme Statutory Trust I Sec: Amy McCay Mulberry, AR Little Rock, AR Mulberry, AR Arkansas State Bank Department 126 M & P Community Bancshares, Inc. Newport, AR RSSD Number: 1491306 VOICE: (870) 523-3601 FAX: (870) 523-3473 120 Hazel Street P. O. Box 650 72112-0650 Bank Holding Company M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan, Newport, AR Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. VP/Sec: Carla P. Stiger Treas: Pat Davis Subsidiaries: Merchants & Planters Bank M & P Community Statutory Trust II M & P Insurance & Investment Services, Inc. Newport, AR Newport, AR Newport, AR M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan Newport, AR RSSD Number: 3394429 VOICE: (870) 523-3601 FAX: (870) 523-3473 Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. 120 Hazel Street P. O. Box 650 72112 VP/Sec: Carla P. Stiger Treas: Pat Davis Subsidiaries: M & P Community Bancshares, Inc. Merchants & Planters Bank M & P Community Statutory Trust II M & P Insurance & Investment Services, Inc. Newport, AR Newport, AR Newport, AR Newport, AR Ninety-Seventh Report 127 Piggott Bankstock, Inc. Piggott, AR RSSD Number: 1098321 VOICE: (870) 598-3802 FAX: (870) 598-2026 212 West Cherry Street P. O. Box 307 72454-0307 Chm/CEO/Pres: Paula O. Blackwell Subsidiaries: Piggott State Bank Piggott, AR Jefferson Bancshares, Inc. Pine Bluff, AR RSSD Number: 2267665 VOICE: (870) 535-7222 FAX: (870) 540-1224 Chm: John P. Garrison Pres/CEO: Chuck Morgan Subsidiaries: Hot Springs Bank & Trust Company Pine Bluff National Bank Jefferson Bancshares Capital Trust Jefferson Bancshares Capital Trust II 912 Poplar Street P. O. Box 7878 71601-4861 EVP/CFO: Scott Pittillo Hot Springs, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Arkansas State Bank Department 128 Simmons First National Corporation Pine Bluff, AR RSSD Number: 1094828 VOICE: (870) 541-1000 FAX: (870) 541-1123 501 Main Street P. O. Box 7009 71611-7009 Chm/CEO: J. Thomas May Pres/COO: David L. Bartlett EVP: Marty Casteel EVP/CFO: Robert A. Fehlman Subsidiaries: Simmons First Bank of El Dorado Simmons First Bank of Hot Springs Simmons First Bank of Northeast Arkansas Simmons First Bank of South Arkansas Simmons First National Bank, N.A. Simmons First Investment Group Simmons First Trust Company, N.A. Simmons First Bank of Northwest Arkansas Simmons First Bank of Russellville Simmons First Bank of Searcy Arkansas Fund, Inc. Simmons First Capital Trust II Simmons First Capital Trust III Simmons First Capital Trust IV Simmons First Mortgage Corporation El Dorado, AR Hot Springs, AR Jonesboro, AR Lake Village, AR Pine Bluff, AR Little Rock, AR Pine Bluff, AR Rogers, AR Russellville, AR Searcy, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Parkway Bankshares, Inc. Portland, AR RSSD Number: 1141188 VOICE: (870) 737-2226 FAX: (870) 737-4263 Chm: Joel Newcome Pres: Robert Y. Taylor Subsidiaries: Parkway Bank 217 N. Main Street 571 West Gaines 71663 VP/Treas/Sec: Leslie Borgognoni Rogers, AR Ninety-Seventh Report 129 Prescott Bancshares, Inc. Prescott, AR RSSD Number: 2236586 VOICE: (870) 887-2688 FAX: (870) 887-6822 East Second at Main P. O. Drawer 490 71857-0490 Pres: John Warren Brannan, Jr. EVP: Gary McCauley Treas/Sec: Karen McLelland Subsidiaries: Bank of Prescott Prescott, AR Pinnacle Bancshares, Inc. Rogers, AR RSSD Number: 3451416 VOICE: (479) 619-2000 FAX: (479) 619-2702 4201 West New Hope Road, Suite 101 72758 Chm: Wade Ruckle Subsidiaries: Pinnacle Bank Rogers, AR First State Banking Corporation Russellville, AR RSSD Number: 1096448 VOICE: (479) 498-2402 FAX: (479) 498-2465 Chm/CEO: Charles Blanchard Pres: Johnny K. Morgan Subsidiaries: First State Bank Nimrod Real Estate, Inc. FSB Capital Trust II FSB Capital Trust III 3103 East Main Street P. O. Box 10610 72812 CFO/VP: Andrea Nicholson Russellville, AR Russellville, AR Russellville, AR Russellville, AR Arkansas State Bank Department 130 First Security Bancorp Searcy, AR RSSD Number: 1096505 VOICE: (501) 279-3401 FAX: (501) 279-3486 314 North Spring P. O. Box 1009 72145-1009 Chm/CEO: Reynie Rutledge Pres: Bill Scholl Subsidiaries: First Security Bank UFS, Inc. Heartland Renaissance Fund Sub 1, LLC Peoples Real Estate Management Co. First Security Investment Advisors, Inc. First Security Real Estate Management, Inc. FNBS Investments, 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 Mountain Home, AR Searcy, AR Searcy, AR Las Vegas, NV Little Rock, AR Little Rock, AR Searcy, AR Searcy, AR Searcy, AR Wilmington, DE Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 CEO/Pres: Bob Willett SVP: J. Drew Tennyson Subsidiaries: Smackover State Bank 708 North Broadway P. O. Box 107 71762-0107 SVP: James B. Yeager VP: Vicki Davis Smackover, AR Ninety-Seventh Report 131 Mathias Bancshares, Inc. Springdale, AR RSSD Number: 1951172 VOICE: (479) 750-9100 FAX: (479) 750-0953 5571 Bleaux Ave. P. O. Box 6485 72766 Chm: Sam Mathias VChm: Arthur Thurman Sec: Larry Olson Subsidiaries: First State Bank of Northwest Arkansas FSB Properties, LLC Huntsville, AR Fayetteville, AR Bodcaw Bancshares, Inc. Stamps, AR RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 307 Thomas Street P. O. Box 8 71860-0008 Chm: J. Paul Nipper Subsidiaries: Bodcaw Bank Stamps, AR Star City Bancshares, Inc. Star City, AR RSSD Number: 1131723 VOICE: (870) 628-4286 FAX: (870) 628-5274 116 North Lincoln P. O. Drawer 69 71667-0069 Chm/CEO/Pres: Bennie F. Ryburn, Jr. Subsidiaries: Bank of Star City Star City, AR Arkansas State Bank Department 132 The Farmers and Merchants Bankshares, Inc. Stuttgart, AR RSSD Number: 1099672 VOICE: (870) 673-6911 FAX: (870) 672-4282 708 South Main P. O. Box 1010 72160-1016 Chm: Roy O. McCollum, III CEO/Pres: Gary Hudson Subsidiaries: The Farmers and Merchants Bank F & M Realty, Inc. Perry County Bankshares Statutory Trust Stuttgart, AR Stuttgart, AR Perryville, AR Bradley Bancshares, Inc. Warren, AR RSSD Number: 1097463 VOICE: (870) 226-2601 FAX: (870) 226-2253 104 South Main Street P. O. Box 29 71671-0029 Chm/CEO: Bennie F. Ryburn, Jr. Pres: Freddie M. Mobley Subsidiaries: First State Bank of Warren Warren, AR Evolve Bancorp, Inc. West Memphis, AR RSSD Number: 1142411 VOICE: (901) 624-5500 FAX: (901) 624-5540 301 Shoppingway Boulevard 72301 Bank Holding Company Evolve Financial Group, Inc., Memphis, TN Chm: Scot Lenoir Subsidiaries: Evolve Bank & Trust Sec: Scott Stafford West Memphis, AR Ninety-Seventh Report 133 Cross County Bancshares, Inc. Wynne, AR RSSD Number: 1131611 VOICE: (870) 238-8171 FAX: (870) 238-4052 Chm: Dr. Willard G. Burks CEO/Pres: David Dowd 1 Cross County Plaza P. O. Box 9 72396-0009 Treas/Sec: Shelia Stotts Subsidiaries: Cross County Bank Janus Title, LLC Wynne, AR Wynne, AR First National Corporation of Wynne Wynne, AR RSSD Number: 1132159 VOICE: (870) 238-2361 FAX: (870) 238-8148 CEO/Pres: Sean H. Williams VP: Paul Hall Subsidiaries: Twin Lakes Community Bank The First National Bank of Wynne 528 Merriman Avenue P. O. Box 129 72396 Treas: Dianne Henderson Sec: Lisa G. Jackson Flippin, AR Wynne, AR OUT OF STATE BANK HOLDING COMPANIES AND THEIR ARKANSAS SUBSIDIARIES JUNE 30, 2011 Ninety-Seventh Report 135 Delta Bancshares of Louisiana, Inc. Oak Grove, LA RSSD Number: 2806662 VOICE: (870) 355-8311 FAX: (870) 355-8509 600 East Main Street 71263 Chm: Charles F. Poole Pres: Gene Keith Subsidiaries: The Eudora Bank West Carroll Community Bank Eudora, AR Oak Grove, LA Evolve Financial Group, Inc. Memphis, TN RSSD Number: 3343351 VOICE: (901) 624-5500 FAX: (901) 624-5540 Chm/CEO: Scot Lenoir Subsidiaries: Evolve Bancorp, Inc. Evolve Bank & Trust 8000 Centerview Parkway, Suite 500 38018 Sec: Scott Stafford West Memphis, AR West Memphis, AR Ninety-Seventh Report ABBREVIATIONS Chm: Chm Emer: CEO: VChm: Pres: Reg Pres: EVP: SVP: CAO: CCO: CFO: CLO: COO: AdmVP: EO: VP: SLO: Cash: Cont: AVP: RMO: Aud: TO: ATO: Treas: Sec: Atty: Chairman of the Board Chairman Emeritus Chief Executive Officer Vice Chairman President Regional President Executive Vice President Senior Vice President Chief Administrative Officer Chief Credit Officer Chief Financial Officer Chief Lending Officer Chief Operating Officer Administrative Vice President Executive Officer Vice President Senior Loan Officer Cashier Controller Assistant Vice President Risk Management Officer Auditor Trust Officer Assistant Trust Officer Treasurer Secretary Attorney 137 138 Arkansas State Bank Department NOTES Ninety-Seventh Report NOTES 139 140 Arkansas State Bank Department NOTES
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