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REPORT OF THE BANK COMMISSIONER OF THE STATE OF ARKANSAS 2019 ASA HUTCHINSON Governor CANDACE A. FRANKS Bank Commissioner ONE HUNDRED AND FIFTH ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2019 STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2019 Honorable Asa Hutchinson Governor of Arkansas Little Rock, Arkansas Governor Hutchinson: I am pleased to submit to you the One Hundred and Fifth Annual Report of the Bank Commissioner of Arkansas, pursuant to the provisions of Act 89 of 1997. The Report contains financial and statistical data compiled from Reports of Condition and Income and other regulatory reports submitted to this office for the fiscal year ending June 30, 2019. The financial services industry continues to undergo change. Arkansas state chartered banks and the trust company 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 One Hundred and Fifth Report TABLE OF CONTENTS Legal Holidays ............................................................................................................................................ 2 Commissioners of The Bank Department .................................................................................................. 3 State Banking Board .................................................................................................................................. 4 Departmental Roster .................................................................................................................................. 5 Charter Conversions/Charter Relocations.................................................................................................. 9 Corporate Name Changes ....................................................................................................................... 10 Branches Approved .................................................................................................................................. 11 State Chartered Banks Subchapter S Corporations................................................................................. 14 Fiscal Report of The Bank Department .................................................................................................... 16 Federal Supervisory Agencies ................................................................................................................. 17 Trade Associations ................................................................................................................................... 22 Consolidated Report of Condition Data State Chartered Banks .......................................................................................................................... 25 Consolidated Statement of Condition State Chartered Trust Departments ...................................................................................................... 26 Consolidated Report of Condition Data National Banks ...................................................................................................................................... 27 Tier One Leverage Ratios For All Arkansas Commercial Banks ................................................................................................................ 28 National Banks Headquartered in Arkansas ............................................................................................ 31 Report of State Chartered Commercial Banks ......................................................................................... 33 Report of State Chartered Non-Profit Organization .................................................................................. 79 Report of State Chartered Trust Company............................................................................................... 81 Report of Regional/County Industrial Development Corporation ............................................................. 83 All Commercial Banks Listed by County .................................................................................................. 85 Map of Arkansas Counties ....................................................................................................................... 90 Arkansas Bank Holding Companies ......................................................................................................... 91 Abbreviations ..........................................................................................................................................120 2 Arkansas State Bank Department LEGAL HOLIDAYS New Year’s Day...............................................................................................January 1 st Dr. Martin Luther King Jr.’s Birthday........................................ Third Monday in January George Washington’s Birthday and Daisy Gadson Bates Day ............................................... Third Monday in February Memorial Day ................................................................................. Last Monday in May th Independence Day ............................................................................................... July 4 Labor Day ............................................................................. First Monday in September th Veterans Day............................................................................................ November 11 Thanksgiving Day............................................................ Fourth Thursday in November th Christmas Eve ......................................................................................... December 24 th 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. One Hundred and Fifth Report 3 COMMISSIONERS OF THE ARKANSAS STATE BANK DEPARTMENT Date of Appointment Date Service Ended No. Name 1. John M. Davis .............................. October 6, 1913 October 3, 1918 2. A. J. Reap .................................... October 3, 1918 March 22, 1919 3. W. T. Maxwell ............................... March 22, 1919 September 1, 1921 4. Charles McKee ....................... September 1, 1921 July 28, 1925 5. Loid Rainwater.................................. July 28, 1925 February 8, 1927 6. Walter E. Taylor ..........................February 8, 1927 January 10, 1933 7. Marion Wasson ......................... January 10, 1933 January 12, 1937 8. Grover S. Jernigan .................... January 12, 1937 January 14, 1941 9. Thomas W. Leggett ................... January 14, 1941 February 1, 1949 10. S. J. Dean ...................................February 1, 1949 December 31, 1949 11. Ed. I. McKinley, Jr. ................ December 31, 1949 March 14, 1953 12. A. R. Merritt................................... March 14, 1953 February 8, 1955 13. Dick Simpson..............................February 8, 1955 March 2, 1967 14. H. C. Adams ................................... March 3, 1967 March 16, 1979 15. Don R. Clark (Acting) ................... March 16, 1979 April 19, 1979 16. B. J. Lambert, Jr. ............................. April 19, 1979 April 15, 1983 17. Marlin D. Jackson ............................ April 15, 1983 October 1, 1987 18. Bill J. Ford .................................... October 1, 1987 July 31, 1998 19. Frank White ................................... August 1, 1998 May 21, 2003 20. Bunny Adcock ................................ June 23, 2003 June 11, 2007 21. Candace A. Franks ........................ June 13, 2007 …………….... 4 Arkansas State Bank Department STATE BANKING BOARD MEMBERS Mr. Randy Scott Chairman Farmers Bank And Trust Company P. O. Box 688 Blytheville, AR 72316-0688 VOICE: (870) 763-8101 FAX: (870) 763-3500 TERM EXPIRES: 12/31/2020 Mr. David Leech Vice Chairman 1911 Fairway Street Stuttgart, AR 72160 VOICE: (870) 830-4502 TERM EXPIRES: 12/31/2021 Ms. Lana Hampton 2341 Surrey Lane Springdale, AR 72762 VOICE: (479) 750-8849 TERM EXPIRES: 12/31/2018 Mr. D. Scott Miller Anstaff Bank P. O. Box 1818 Harrison, AR 72602 VOICE: (870) 365-3115 TERM EXPIRES: 12/31/2023 Mr. Ron Mobley P. O. Box 150 Morrilton, AR 72110 VOICE: (501) 354-2510 TERM EXPIRES: 12/31/2018 Mr. Todd Smith Farmers Bank and Trust Company P. O. Box 250 Magnolia, AR 71754-0250 VOICE: (870) 235-7040 FAX: (870) 235-7008 TERM EXPIRES: 12/31/2019 One Hundred and Fifth Report Arkansas State Bank Department 400 Hardin Road, Suite 100 Little Rock, Arkansas 72211-3502 VOICE: (501) 324-9019 FAX: (501) 324-9028 http://banking.arkansas.gov/ DEPARTMENTAL ROSTER Candace A. Franks - Bank Commissioner Susannah T. Marshall - Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination Application Information John W. Ahlen IV - Deputy Bank Commissioner/Chief Counsel Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination Rules and Regulations/Legal Filings and Inquiries EXAMINATION AND SUPERVISION Assistant Deputy Bank Commissioners H. Wilks Marshall, Jr. Baker L. Moseley Michael G. Saunders Dharmin H. Patel Regulatory Examinations/Regulatory and Banking Procedures Bank Performance Evaluation and Monitoring Personnel Recruitment and Management EXAMINATION PERSONNEL LITTLE ROCK OFFICE Gary W. Bush - Certified Examinations Manager Matthew A. Rose - Certified Bank Senior Examiner Jim E. Homan - Certified Bank Senior Examiner Jordan A. Patterson - Certified Bank Senior Examiner Scott M. Lambert - Commissioned Bank Senior Examiner Andrew D. McCormick - Commissioned Bank Senior Examiner J. D. Sonnier - Bank Senior Examiner Ricky T. Puloma - Bank Assistant Examiner J. B. Maus - Bank Assistant Examiner 5 6 Arkansas State Bank Department LITTLE ROCK OFFICE Bob M. Henry - Certified Examinations Manager Luke B. Webre - Certified Bank Senior Examiner Jerry C. Corrothers - Certified Bank Senior Examiner Kelly M. Shewmaker - Certified Bank Senior Examiner Thomas L. Cook - Certified Bank Senior Examiner Raychel M. Pendergist - Certified Bank Senior Examiner Daniel E. Sims - Commissioned Bank Senior Examiner Bill A. Whitmore - Bank Senior Examiner Joel T. Futrell - Bank Junior Examiner Derek G. Harvey - Bank Assistant Examiner NORTHWEST ARKANSAS OFFICE 777 Mathias Drive, Suite A Springdale, Arkansas 72762-0739 VOICE: (479) 751-5543 FAX: (479) 751-5815 NWArkansas@banking.state.ar.us Ken H. Leavell - Certified Examinations Manager Chris A. Dillon - Certified Bank Senior Examiner Chris K. Davis - Certified Bank Senior Examiner Johnathon W. Welch - Commissioned Bank Senior Examiner Adam W. Chase - Bank Senior Examiner Wesley H. Mathis - Bank Senior Examiner Wynne M. Morgan - Bank Senior Examiner Daniel B. Park - Bank Junior Examiner NORTHEAST ARKANSAS OFFICE 924 South Main Street Jonesboro, Arkansas 72401 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 W. Kent Darr - Certified Bank Senior Examiner T. J. Anderson - Certified Bank Senior Examiner W. Nathan Elliott - Certified Bank Senior Examiner Scott J. Smith - Certified Bank Senior Examiner Seth D. Parsley - Bank Senior Examiner LARGE BANK SUPERVISION Mark G. Rye - Certified Bank Senior Examiner One Hundred and Fifth Report TRUST Stacey D. Leder - Certified Examinations Manager Kelly R. Davis - Bank Senior Examiner M. Lance Black - Bank Assistant Examiner INFORMATION SYSTEMS Jeffrey A. Cameron - Certified Examinations Manager Donna J. Dodge - Commissioned Bank Senior Examiner Darren G. Barry - Bank Senior Examiner Ashish V. Patel - Bank Senior Examiner Elliott R. Hartle - Bank Assistant Examiner BANK ANALYSIS AND APPLICATIONS John W. Ashby - Certified Examinations Manager M. Gregg Qualls - Certified Bank Senior Examiner Kevin C. Mosley - Certified Bank Senior Examiner Self-Examinations Bank Reports of Condition and Income Bank Holding Company Reports Research and Financial Analysis Public Information Requests Application Analysis Consumer Complaints Richard D. Buzbee - Certified Examinations Manager/Training Coordinator Jacklyn G. Powell - Certified Bank Senior Examiner/Scheduling Coordinator INFORMATION TECHNOLOGY W. Rick Coke - Bank IT Administrator Mitch L. Vire - Systems Specialist Greg F. Langley - Systems Specialist Research and Development Application Programming Data Processing Support 7 8 Arkansas State Bank Department ADMINISTRATION DIVISION Jessica J. Wallace - Agency Fiscal Officer Vicki A. Wise - Payroll Services Coordinator Devan E. May - Procurement Coordinator Accounting and Employee Services Budget/Personnel/Payroll Performance Compensation Expense Disbursements Purchasing Cynthia L. Nixon - Executive Assistant to the Commissioner Antwanette Pettigrew-House - Research Analyst Lisa F. Smith - Research Analyst Sharon K. Hacker - Administrative Analyst B. Chance Brown - Administrative Analyst Administrative Support Examination Support and Processing Rules and Regulations Manual Distribution Inquiries Charter Amendments and Charter Information Certificates of Good Standing Data Entry One Hundred and Fifth Report CHARTER CONVERSIONS FROM JULY 1, 2018 TO JUNE 30, 2019 NAME / CHARTER / LOCATION NAME / CHARTER / LOCATION Helena National Bank Nationally Chartered Bank 302 Cherry Street Helena, Arkansas HNB Bank State Chartered Bank 302 Cherry Street Helena, Arkansas The above institution’s charter conversion and name change were both effective October 18, 2018. HNB Bank later changed its name to Partners Bank effective April 15, 2019. Fidelity National Bank Nationally Chartered Bank 330 West Broadway Street West Memphis, Arkansas Fidelity Bank State Chartered Bank 330 West Broadway Street West Memphis, Arkansas The above institution’s charter conversion and name change were both effective June 27, 2019. CHARTER RELOCATIONS FROM JULY 1, 2018 TO JUNE 30, 2019 NAME / LOCATION NAME / NEW LOCATION Generations Bank Hampton, Arkansas Generations Bank Rogers, Arkansas The above institution’s charter relocation was effective February 28, 2019. 9 Arkansas State Bank Department 10 CORPORATE NAME CHANGES FROM JULY 1, 2018 TO JUNE 30, 2019 NAME / LOCATION NEW NAME / LOCATION Bank of the Ozarks Little Rock, Arkansas Bank OZK Little Rock, Arkansas The above institution’s name change was effective July 16, 2018. Bank of Star City Star City, Arkansas Connect Bank Star City, Arkansas The above institution’s name change was effective March 25, 2019. First Community Bank of Eastern Arkansas Marion, Arkansas Premier Bank of Arkansas Marion, Arkansas The above institution’s name change was effective April 1, 2019. HNB Bank Helena, Arkansas Partners Bank Helena, Arkansas The above institution’s name change was effective April 15, 2019. The Capital Bank Little Rock, Arkansas Encore Bank Little Rock, Arkansas The above institution’s name change was effective May 6, 2019. One Hundred and Fifth Report 11 BRANCHES APPROVED FROM JULY 1, 2018 TO JUNE 30, 2019 BANK LOCATION Southern Bancorp Bank Arkadelphia, Arkansas 118 Elm Street Glenwood, Arkansas Southern Bancorp Bank Arkadelphia, Arkansas 1017 Hwy 270 East Mount Ida, Arkansas FNBC Bank Ash Flat, Arkansas 1118 Windover Road Jonesboro, Arkansas First Community Bank Batesville, Arkansas 222 East Washington Avenue Jonesboro, Arkansas First Community Bank Batesville, Arkansas 8201 Ranch Boulevard, Suite B4 Little Rock, Arkansas First Community Bank Batesville, Arkansas 2525 McLain Street Newport, Arkansas First Western Bank Booneville, Arkansas 7322 West Sunset Avenue, Suite D Springdale, Arkansas Centennial Bank Conway, Arkansas 1165 West 49 Street Hialeah, Florida Chambers Bank Danville, Arkansas 2622 Fayetteville Road Van Buren, Arkansas First State Bank of DeQueen DeQueen, Arkansas 239 Hwy 70 East Glenwood, Arkansas Arvest Bank Fayetteville, Arkansas 860 South Constitution Avenue Ashdown, Arkansas Arvest Bank Fayetteville, Arkansas 95 Street and Metcalf Avenue Overland Park, Kansas Signature Bank of Arkansas Fayetteville, Arkansas 3712 Pinnacle Hills Parkway Rogers, Arkansas Armor Bank Forrest City, Arkansas 7401 Cantrell Road Little Rock, Arkansas th th 12 Arkansas State Bank Department BANK LOCATION Armor Bank Forrest City, Arkansas 2300 Cottondale Lane, Suite 250 Little Rock, Arkansas Anstaff Bank Green Forest, Arkansas 777 Hwy 62 East Mountain Home, Arkansas Bank OZK Little Rock, Arkansas 17701 Biscayne Boulevard Aventura, Florida Bank OZK Little Rock, Arkansas 3288 South 3 Street Jacksonville Beach, Florida Bank OZK Little Rock, Arkansas 3215 Peachtree Road NE Atlanta, Georgia Bank OZK Little Rock, Arkansas 2922 Clairmont Road Brookhaven, Georgia Bank OZK Little Rock, Arkansas 3579 Memorial Drive Decatur, Georgia Bank OZK Little Rock, Arkansas 824 Cleveland Avenue East Point, Georgia Bank OZK Little Rock, Arkansas 2227 Gallatin Pike North Madison, Tennessee Bank OZK Little Rock, Arkansas 16772 FM 2493, Suite 300 Tyler, Texas Encore Bank Little Rock, Arkansas 5100 Kavanaugh Boulevard Little Rock, Arkansas Premier Bank of Arkansas Marion, Arkansas 2508 East Highland Drive Jonesboro, Arkansas First NaturalState Bank McGehee, Arkansas 703 Meador Drive Dumas, Arkansas Diamond Bank Murfreesboro, Arkansas 23 Elm Street Hector, Arkansas Simmons Bank Pine Bluff, Arkansas 601 East Third Street Little Rock, Arkansas rd One Hundred and Fifth Report BANK LOCATION Gateway Bank Rison, Arkansas 6110 Hwy 5 North Bryant, Arkansas First Security Bank Searcy, Arkansas 720 Garrison Avenue Fort Smith, Arkansas First Security Bank Searcy, Arkansas 209 West Main Street Russellville, Arkansas Bodcaw Bank Stamps, Arkansas 2125 North Jackson Street Magnolia, Arkansas 13 Arkansas State Bank Department 14 STATE CHARTERED BANKS SUBCHAPTER S CORPORATIONS BANK CITY FNBC Bank Ash Flat Bank of Bearden Bearden Farmers Bank And Trust Company Blytheville Community State Bank Bradley Bank of Cave City Cave City Chambers Bank Danville Bank of Delight Delight First State Bank of DeQueen DeQueen Arkansas County Bank DeWitt DeWitt Bank and Trust Company DeWitt First Financial Bank El Dorado Cornerstone Bank Eureka Springs FBT Bank & Mortgage Fordyce Anstaff Bank Green Forest Today's Bank Huntsville First Arkansas Bank & Trust Jacksonville The Peoples Bank Magnolia McGehee Bank McGehee The Union Bank of Mena Mena Commercial Bank & Trust Company Monticello Union Bank And Trust Company Monticello Diamond Bank Murfreesboro Piggott State Bank Piggott Gateway Bank Rison Riverside Bank Sparkman One Hundred and Fifth Report BANK CITY United Bank Springdale Connect Bank Star City First State Bank of Warren Warren Warren Bank and Trust Company Warren Fidelity Bank West Memphis 15 16 Arkansas State Bank Department The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 2018, through June 30, 2019. RECEIPTS Cash Balance July 1, 2018……………………………………. $13,499,831.34 Examination and Assessment Fees.................. 12,800,523.17 Charter and Amendment Fees................................. 81,200.00 Interstate Sharing Fees ..................................................... 0.00 Miscellaneous/Non-Revenue Income ........................ 6,138.01 Reimbursement for M & R Sales ............................. 12,276.25 Refund to Expenditures − Prior Year ......................... 3,866.84 Refund to Expenditures − Current Year ............................ 0.00 Total Receipts 12,904,004.27 $ 26,403,835.61 DISBURSEMENTS Salaries ................................................................... 5,683,304.46 Extra Help Salaries ........................................................ 4,089.27 Social Security, Retirement and Insurance Matching .............................................................. 1,668,094.80 Maintenance and General Operations .................... 1,299,239.73 Conference Fees and Travel ..................................... 264,717.56 Professional Fees and Services .................................. 37,425.61 Capital Outlay .............................................................. 49,769.03 Refunds Issued ..................................................................... 0.00 Service Charge by State Treasurer ........................... 199,666.71 Total Disbursements 9,206,307.17 Cash Balance June 30, 2019 17,197,528.44 $26,403,835.61 One Hundred and Fifth Report FEDERAL DEPOSIT INSURANCE CORPORATION Dallas Regional Office 1601 Bryan Street Dallas, Texas 75201 VOICE: (214) 754-0098 FAX: (972) 761-2080 http://www.fdic.gov Kristie K. Elmquist ....................................... Regional Director/Risk Management Serena Owens................................ Deputy Regional Director/Risk Management Julie Banfield ............................. Deputy Regional Director/Consumer Protection Cindy Scott .................................. Assistant Regional Director/Risk Management Nathan Heizer ............................. Assistant Regional Director/Risk Management Mark Taylor.................................. Assistant Regional Director/Risk Management Mark Love .................................... Assistant Regional Director/Risk Management Joe Meade ................................... Assistant Regional Director/Risk Management Anthony Clark .............................. Assistant Regional Director/Risk Management Art Kahn ................................................. Assistant Regional Director/Compliance Stephen Zachary ....................................................................... Regional Counsel Memphis Area Office 6060 Primacy Parkway, Suite 300 Memphis, Tennessee 38119-5770 VOICE: (901) 685-1603 FAX: (901) 821-5308 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 Jennifer Lucas ............................................... Field Supervisor/Risk Management David Wright ............................................................ Field Supervisor/Compliance Memphis Field Office 6060 Primacy Parkway, Suite 300 Memphis, Tennessee 38119-5770 VOICE: (901) 685-1603 FAX: (901) 818-1645 Jennifer Lucas ............................................... Field Supervisor/Risk Management Rafael Valle ............................................................. 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 Kris Ferguson ................................................ Field Supervisor/Risk Management Jenipher Smith ........................................................ Field Supervisor/Compliance 17 18 Arkansas State Bank Department 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 .................................................................. Executive Vice President Administration & Payments Kathleen O. Paese .............................................................. Executive Vice President Treasury Relations & Support Office Julie L. Stackhouse ............................................................. Executive Vice President Banking Supervision, Credit and Center for Learning Innovation Christopher J. Waller...........................................................Executive Vice President Director of Research Karen L. Branding .................................................................... Senior Vice President Public and Community Affairs Cletus C. Coughlin .................................................................. Senior Vice President & Deputy Director of Research François G. Henriquez II .......................................................... Senior Vice President General Counsel & Corporate Secretary Timothy A. Bosch ......................................................................Group Vice President Banking Supervision Anna M. Hart .............................................................................Group Vice President Human Resources Michael J. Mueller .................................................................... Group Vice President Support Services Timothy C. Brown .................................................................................Vice President Cash Management/Administration Marilyn K. Corona ................................................................................ Vice President Financial Management Carl D. White II .....................................................................................Vice President Risk Management, Statistics, Credit & Payment Applications Michael D. Renfro .............................................................................. General Auditor Audit One Hundred and Fifth Report FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 (Continued) 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 Douglas Scarboro .................................................................Senior Branch Executive Louisville Branch 101 South 5th Street, Suite 1920 Louisville, Kentucky 40202 VOICE: (502) 568-9200 FAX: (502) 568-9247 Nikki R. Jackson ....................................................................Senior Branch Executive 19 20 Arkansas State Bank Department 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 Troy L. Thornton ........................................................................ Deputy Comptroller Kent Stone ................................................................ Associate Deputy Comptroller Carter Messick ........................................................ Associate Deputy Comptroller Oscar Harvey ..................................................................Risk & Operations Officer Randall M. Ryskamp ........................................................................District Counsel Karen Bryant............................................................................... Licensing Manager Little Rock Field Office 1401 West Capitol Avenue, Suite 350 Little Rock, Arkansas 72201-2915 VOICE: (501) 707-6400 FAX: (501) 225-2711 Rosalyn Anthony ....................................................... Assistant Deputy Comptroller Oklahoma City Field Office rd 301 Northwest 63 Street, Suite 490 Oklahoma City, Oklahoma 73116-7909 VOICE: (405) 529-5701 FAX: (405) 848-8085 Brian Wall .................................................................. Assistant Deputy Comptroller Eastern Oklahoma Field Office 8282 South Memorial Drive, Suite 300 Tulsa, Oklahoma 74133-4346 VOICE: (918) 505-4500 FAX: (918) 459-0446 Scott Williams ............................................................ Assistant Deputy Comptroller One Hundred and Fifth Report CONSUMER FINANCIAL PROTECTION BUREAU 1700 G Street N.W. Washington, D.C. 20552 VOICE: (202) 435-7000 Fax: (202) 435-7329 http://www.consumerfinance.gov Kathy Kraninger................................................................................................ Director Brian Johnson ............................................ Deputy Director, Principal Policy Director Kirsten Sutton ........................................................................................... Chief of Staff Marisol Garibay ............................ Chief Communications Officer and Spokesperson Althea Kireilis .................................................. Office of Equal Opportunity & Fairness Associate Director Melissa Brand ............................................................................... Office of Civil Rights Assistant Director Kate Fulton .............................................................................. Chief Operating Officer Gail Hillebrand ................................................... Consumer Education & Engagement Associate Director David Bleicken...............................................................Supervision and Enforcement Associate Director (Acting) David Silberman ..................................................... Research, Markets & Regulations Associate Director Zixta Martinez ....................................................................................... External Affairs Associate Director Mary McLeod........................................................................................................ Legal General Counsel 21 22 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 Lorrie Trogden ............................................................................... President & CEO Rob Robinson IV ....................................................................................... Chairman Market President & Senior Credit Officer Simmons Bank, Pine Bluff Jon Harrell ........................................................................................ Chairman-Elect Chairman of the Board Generations Bank, Rogers Jim Cargill .......................................................................................... Vice Chairman President & CEO – Central Arkansas Arvest Bank, Fayetteville Tom Grumbles........................................................................................... Treasurer President & CEO First Service Bank, Greenbrier Cathy Owen ....................................................................................... Past Chairman Chairman of the Board Eagle Bank & Trust Company, Little Rock EMERGING LEADERS SECTION George Purvis ............................................................................................ President Vice President/Bank Facilities Manager/Appraisal & Special Assets Coordinator Cornerstone Bank, Eureka Springs Evelyn Morris ......................................................................................Vice President Vice President, Loan Operations First Financial Bank, El Dorado Brandon Gentry ........................................................................ Secretary/Treasurer Assistant Vice President/Commercial Loan Officer Cross County Bank, Wynne One Hundred and Fifth Report ARKANSAS COMMUNITY BANKERS ASSOCIATION 3801 Woodland Heights Road, Suite 125-G Little Rock, Arkansas 72212-2456 VOICE: (501) 246-4975 FAX: (501) 821-0377 E−Mail: info@arcommunitybankers.com http://www.arcommunitybankers.com Chris Padgett .................................................................................. Executive Director Jim Gowen, Jr. ............................................................................................ President President & CEO Merchants & Planters Bank, Newport Gary Oltmann ...................................................................................... Vice President Regional President - Stuttgart Arkansas County Bank, DeWitt Gary Head ................................................................................................... Treasurer Chairman, President & CEO Signature Bank, Fayetteville Lee Swearingen .......................................................................................... Secretary SVP & Cashier Bank of Little Rock, Little Rock Bennie Ryburn III.................................................................................. Past President Chairman & CEO Commercial Bank & Trust Company, Monticello 23 24 Arkansas State Bank Department 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 John Ryan ........................................................................................President & CEO Michael Stevens ...................................................... Senior Executive Vice President John “Buz” Gorman .......................................................................... General Counsel Tom Harlow ..................................................... Executive Vice President, Operations Bill Matthews ........................................ Executive Vice President, President of SRR Jim Cooper....... ............................................................ Senior Vice President, Policy Chuck Cross ..................................... Senior Vice President, Non-Bank Supervision & Enforcement Tim Doyle ........................................ Senior Vice President, SRR Business Services Kelly Haire ............................... Senior Vice President, Human Capital & Operations James Kurtzke........................................................ Vice President, Communications Margaret Liu .......................................................... Senior Vice President, Legislative & Deputy General Counsel Sebastien Monnet ..................................... Vice President, Learning & Development Vickie Peck ....................................... Senior Vice President, SRR NMLS Operations Mary Beth Quist......................................... Senior Vice President, Bank Supervision Ngoc Vu ......................................................... Senior Vice President, Digital Services Matt Comber ................................................................. Senior Director, Accreditation One Hundred and Fifth Report CONSOLIDATED REPORT OF CONDITION DATA 80 STATE CHARTERED COMMERCIAL BANKS (in millions) JUNE 30, 2019 ASSETS Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin .................................... $1,202 b. Interest-bearing balances ................................................................................. 3,219 Securities: a. Held to maturity .................................................................................................... 455 b. Available-for sale............................................................................................. 16,515 c. Equity securities with readily determinable fair values ............................................ 4 Federal funds sold and securities purchased under agreements to resell...................................................... 487 Net Loans and Leases .................................................................................................... 73,666 Trading assets........................................................................................................................ 15 Premises and fixed assets ................................................................................................ 2,424 Other real estate owned ...................................................................................................... 168 Goodwill and other intangibles.......................................................................................... 3,846 All other assets.................................................................................................................. 2,975 Total assets .................................................................................................................$104,976 LIABILITIES Deposits: a. In domestic offices ........................................................................................$83,399 (1) Noninterest-bearing ..................................................................15,053 (2) Interest-bearing.........................................................................68,346 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 ...................................................... 946 Trading liabilities ...................................................................................................................... 0 Other borrowed money .................................................................................................... 4,017 Subordinated notes and debentures ................................................................................... 343 All other liabilities ................................................................................................................. 738 Total liabilities.................................................................................................................. 89,443 EQUITY CAPITAL Minority interests in consolidated subsidiaries ........................................................................ 4 Perpetual preferred stock ........................................................................................................ 3 Common stock ....................................................................................................................... 18 Surplus ..............................................................................................................................8,697 Undivided profits ............................................................................................................... 6,811 Total equity capital ......................................................................................................... 15,529 Total liabilities, minority interest and equity capital ................................................... $104,976 25 Arkansas State Bank Department 26 CONSOLIDATED STATEMENT OF CONDITION OF THE 47 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 2019 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 .................................................................. $14 b. Other Institutions .................................................................................................. 0 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions .................................................................. 491 b. Other Institutions .............................................................................................. 681 U.S. Government and Agency Obligations ............................................................. 1,610 State, County and Municipal Obligations ................................................................ 1,185 Other Short-Term Obligations ........................................................................................ 4 Other Notes and Bonds .............................................................................................. 654 Money Market Funds ............................................................................................... 1,412 Other Mutual Funds ................................................................................................. 1,841 Stocks ...................................................................................................................... 3,737 Collective Investment Fund Units ............................................................................... 969 Real Estate Mortgages .................................................................................................. .5 Real Estate ................................................................................................................. 620 Miscellaneous Assets .............................................................................................. 1,440 Other .......................................................................................................................... 872 Total ................................................................................................................... $15,535 LIABILITIES Personal Accounts: 16. Personal Trusts ......................................................................................................$4,224 17. Estates & Guardianships ..............................................................................................52 18. Investment Management & Advisory.......................................................................2,445 19. Custodial………….. .................................................................................................2,069 20. Agencies………….. ....................................................................................................760 Employee Benefit Accounts: 21. Trusts ....................................................................................................................... 1,638 22. Agencies ..................................................................................................................... 234 23. Custodial .................................................................................................................. 1,367 Corporate and Municipal Securities Appointments: 24. Bond Trusteeships ................................................................................................... 1,648 25. Agencies ..................................................................................................................... 190 Collective Investment Funds: 26. Personal ...................................................................................................................... 803 27. Employee Benefit........................................................................................................ 100 Internal Accounts: 28. Profit Accounts ................................................................................................................ 1 29. Suspense Accounts ........................................................................................................ 4 30. Total………………………………………… ..........…………………………………$15,535 One Hundred and Fifth Report CONSOLIDATED REPORT OF CONDITION DATA 11 NATIONAL BANKS (in millions) JUNE 30, 2019 ASSETS Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ....................................... $129 b. Interest-bearing balances .................................................................................... 210 Securities: a. Held-to-maturity .................................................................................................... 257 b. Available-for-sale.................................................................................................. 773 c. Equity securities with readily determinable fair values ............................................ 0 Federal funds sold and securities purchased under agreements to resell........................................................ 58 Net loans and leases ........................................................................................................ 4,533 Trading assets.......................................................................................................................... 0 Premises and fixed assets ................................................................................................... 186 Other real estate owned .......................................................................................................... 4 Goodwill and other intangibles............................................................................................... 49 All other assets..................................................................................................................... 198 Total assets .....................................................................................................................$6,397 LIABILITIES Deposits: a. In domestic offices .......................................................................................... $5,357 (1) Noninterest-bearing ....................................................................1,212 (2) Interest-bearing...........................................................................4,145 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 .......................................................... 4 Trading liabilities ...................................................................................................................... 0 Other borrowed money…. .................................................................................................. .227 Subordinated notes and debentures ....................................................................................... 0 All other liabilities ................................................................................................................... 32 Total liabilities....................................................................................................................5,620 EQUITY CAPITAL Minority interests in consolidated subsidiaries ........................................................................ 0 Perpetual preferred stock ........................................................................................................ 0 Common stock ......................................................................................................................... 6 Surplus ................................................................................................................................. 284 Undivided profits .................................................................................................................. 487 Total equity capital ............................................................................................................... 777 Total liabilities, minority interest and equity capital ....................................................... $6,397 27 28 Arkansas State Bank Department TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2019 BANK CITY Southern Bancorp Bank FNBC Bank RiverWind Bank First Community Bank The Citizens Bank Bank of Bearden First National Bank of North Arkansas Farmers Bank And Trust Company First Western Bank Community State Bank The First National Bank of Izard County Bank of Cave City The Merchants and Planters Bank Centennial Bank First State Bank Chambers Bank River Town Bank Bank of Delight First State Bank of DeQueen Arkansas County Bank DeWitt Bank And Trust Company Merchants & Farmers Bank First Financial Bank Bank of England Cornerstone Bank Arvest Bank Signature Bank of Arkansas FBT Bank & Mortgage Armor Bank First National Bank of Eastern Arkansas The First National Bank of Fort Smith Bank of Gravett Anstaff Bank First Service Bank Farmers Bank Arkadelphia Ash Flat Augusta Batesville Batesville Bearden Berryville Blytheville Booneville Bradley Calico Rock Cave City Clarendon Conway Crossett Danville Dardanelle Delight DeQueen DeWitt DeWitt Dumas El Dorado England Eureka Springs Fayetteville Fayetteville Fordyce Forrest City Forrest City Fort Smith Gravette Green Forest Greenbrier Greenwood RATIO 9.21 9.89 10.53 9.22 8.79 11.79 11.26 9.56 8.60 10.79 34.52 9.28 12.89 12.02 17.13 11.53 12.82 13.62 10.24 11.65 7.89 9.52 12.48 13.84 8.16 8.38 11.68 12.03 18.17 10.52 11.43 8.65 9.33 9.48 18.19 One Hundred and Fifth Report BANK CITY Partners Bank Horatio State Bank Today's Bank First Arkansas Bank & Trust The Bank of Lake Village Bank of Little Rock Bank OZK Central Bank Eagle Bank & Trust Company Encore Bank First State Bank Farmers Bank and Trust Company The Peoples Bank The Malvern National Bank Premier Bank of Arkansas First Delta Bank First NaturalState Bank McGehee Bank The Union Bank of Mena Commercial Bank & Trust Company Union Bank And Trust Company Petit Jean State Bank Stone Bank Diamond Bank Merchants & Planters Bank First National Bank The First National Bank at Paris Piggott State Bank Relyance Bank, National Association Simmons Bank RiverBank Home Bank of Arkansas Bank of Prescott Gateway Bank Generations Bank First State Bank Bank of Salem Logan County Bank First Security Bank Peoples Bank Smackover State Bank Helena Horatio Huntsville Jacksonville Lake Village Little Rock Little Rock Little Rock Little Rock Little Rock Lonoke Magnolia Magnolia Malvern Marion Marked Tree McGehee McGehee Mena Monticello Monticello Morrilton Mountain View Murfreesboro Newport Paragould Paris Piggott Pine Bluff Pine Bluff Pocahontas Portland Prescott Rison Rogers Russellville Salem Scranton Searcy Sheridan Smackover 29 RATIO 14.79 11.64 9.24 17.14 12.63 10.80 14.85 10.55 12.51 16.40 9.68 9.02 9.87 10.14 15.16 11.50 10.98 14.47 10.19 10.22 10.35 14.46 10.76 10.01 11.44 10.02 11.73 9.38 12.45 10.26 10.37 10.36 15.30 11.00 9.09 10.93 12.10 20.63 18.30 14.58 13.18 30 Arkansas State Bank Department BANK CITY Riverside Bank Legacy National Bank United Bank Bodcaw Bank Connect Bank Security Bank The Farmers and Merchants Bank Citizens Bank & Trust Company The First National Bank of Lawrence County First State Bank of Warren Warren Bank and Trust Company Evolve Bank & Trust Fidelity Bank Cross County Bank The First National Bank of Wynne Sparkman Springdale Springdale Stamps Star City Stephens Stuttgart Van Buren Walnut Ridge Warren Warren West Memphis West Memphis Wynne Wynne RATIO 8.29 9.36 11.95 9.95 15.72 9.53 9.99 12.63 11.27 11.27 17.58 8.23 12.54 12.57 11.93 One Hundred and Fifth Report 31 NATIONAL BANKS HEADQUARTERED IN ARKANSAS JUNE 30, 2019 (000’s omitted) BANK CITY First National Bank of North Arkansas The First National Bank of Izard County First National Bank of Eastern Arkansas The First National Bank of Fort Smith The Malvern National Bank First National Bank The First National Bank at Paris Relyance Bank, National Association Legacy National Bank The First National Bank of Lawrence County The First National Bank of Wynne Berryville Calico Rock Forrest City Fort Smith Malvern Paragould Paris Pine Bluff Springdale Walnut Ridge Wynne ASSETS 197,115 168,099 400,191 1,354,931 552,721 1,626,779 178,321 845,929 531,803 214,121 327,127 REPORT OF THE EIGHTY STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2019 (000’s omitted) 34 Arkansas State Bank Department Southern Bancorp Bank Arkadelphia, AR VOICE: (870) 246-5811 FAX: (870) 246-5284 Trust Powers: Yes 605 Main Street 71923-0248 Charter Number: 142 Date: September 28, 1903 FDIC Certificate Number: 1528 Home Page: www.banksouthern.com Member of Federal Reserve System Bank Holding Company Southern Bancorp Inc., Little Rock, AR Chm: Sherman E. Tate CFO: Christopher Wewers CEO/Pres: John Olaimey TO: Terri Bowling Cash and Due from:.................................. 100,060 Federal Funds and Repos: .................................. 1 Investments: ............................................. 183,250 Net Loans: ............................................. 1,006,162 Premises and Fixed Assets:........................ 40,359 Other Real Estate: ........................................ 3,327 Other Assets: .............................................. 88,045 Total Assets: .......................................... 1,421,204 Total Trust Assets: ...................................... 16,833 Deposits: ............................................... 1,173,138 Federal Funds and Borrowings: .................. 77,089 Other Liabilities: ............................................ 8,556 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,258,783 Total Equity Capital: .................................. 162,421 Total Liabilities and Capital: ................... 1,421,204 Number of Shares Outstanding: .................. 24,000 Directors: Hugh Arant, Jr.; Jerry Damerow; Kim Evans; Mike Montgomery; Walter Morris, Jr.; John Olaimey; Susie Smith; Darryl Swinton; Sherman Tate; Darrin Williams Branches in Town: One Other Branches: Barton, Bismarck, Blytheville (4), Clarksdale[MS], Drew[MS], El Dorado (2), Elaine, Eudora, Friars Point[MS], Glenwood, Gosnell, Greenville[MS] (2), Gurdon, Hamburg, Helena-West Helena (3), Hernando[MS], Hot Springs (3), Indianola[MS], Lambert[MS], Leland[MS], Lula[MS], Madison[MS], Malvern, Manila (2), Marvell, Mound Bayou[MS], Mount Ida, Picayune[MS], Ruleville[MS], Shelby[MS], Sledge[MS], Trumann, Webb[MS] One Hundred and Fifth Report 35 FNBC Bank Ash Flat, AR VOICE: (870) 994-2311 FAX: (870) 257-1889 Trust Powers: No 636 Ash Flat Drive 72513 Charter Number: 793 Date: January 16, 2014 FDIC Certificate Number: 1294 Home Page: www.fnbc.us Member of Federal Reserve System Bank Holding Company FNBC Bancorp Inc., Ash Flat, AR CEO/Pres: Marty Sellars EVP: Dana Batterton Reg Pres/CLO: Chad Hudson EVP/CFO: Michael Burris Cash and Due from: ...................................... 8,929 Federal Funds and Repos: .................................. 0 Investments: ................................................ 93,953 Net Loans:................................................. 354,285 Premises and Fixed Assets: ........................ 10,635 Other Real Estate: ............................................805 Other Assets: .............................................. 15,584 Total Assets: ............................................. 484,191 Total Trust Assets: .............................................. 0 Deposits: ...................................................375,447 Federal Funds and Borrowings: ...................56,000 Other Liabilities:.............................................5,630 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 437,077 Total Equity Capital: ....................................47,114 Total Liabilities and Capital: .......................484,191 Number of Shares Outstanding: ................100,000 Directors: Martin Carpenter; Borum Cooper; Rhonda Moody; Norma Orr; Marty Sellars Branches in Town: None Other Branches: Batesville, Cherokee Village, Hardy, Highland, Horseshoe Bend, Jonesboro, Mammoth Spring, Melbourne, Mountain Home, Salem RiverWind Bank Augusta, AR VOICE: (870) 347-2511 FAX: (870) 347-2654 Trust Powers: Yes 100 South Second Street 72006-0120 Charter Number: 669 Date: February 20, 1935 FDIC Certificate Number: 15035 Home Page: www.riverwindbank.com Bank Holding Company None Chm: Charles P. Eldridge Pres: Casey Cullipher CEO: William D. "Bill" Patton EVP/TO: Martha Ray Cash and Due from: ...................................... 5,251 Federal Funds and Repos: ............................1,325 Investments: ................................................ 19,697 Net Loans:................................................... 69,273 Premises and Fixed Assets: ..........................1,874 Other Real Estate: ..............................................33 Other Assets: ................................................ 4,536 Total Assets: ............................................. 101,989 Total Trust Assets: ........................................3,931 Deposits: .....................................................88,136 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................2,777 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................90,913 Total Equity Capital: ....................................11,076 Total Liabilities and Capital: .......................101,989 Number of Shares Outstanding: ....................8,000 Directors: Dr. Steven Collier; Winston Collier; Casey Cullipher; W. P. Daniel, Jr.; W. P. Daniel, III; Charlie Eldridge; Mark Eldridge; Richard E. Gregory, Jr.; Ronald Jones; William D. "Bill" Patton Branches in Town: One Other Branches: Searcy (2) 36 Arkansas State Bank Department First Community Bank Batesville, AR VOICE: (870) 612-3400 FAX: (870) 612-3412 Trust Powers: Yes 1325 Harrison Street 72501-4327 Charter Number: 770 Date: June 20, 1997 FDIC Certificate Number: 34533 Home Page: www.firstcommunity.net Bank Holding Company First Community Bancshares, Inc., Batesville, AR Chm/CEO: Dale E. Cole SVP: Troy Henley Pres/COO: Boris A. Dover SVP/TO: Chris Treat Cash and Due from:.................................... 31,434 Federal Funds and Repos: .................................. 0 Investments: ............................................. 219,480 Net Loans: ............................................. 1,157,678 Premises and Fixed Assets:........................ 42,317 Other Real Estate: ........................................ 6,220 Other Assets: .............................................. 36,238 Total Assets: .......................................... 1,493,367 Total Trust Assets: .................................... 123,425 Deposits: ............................................... 1,152,819 Federal Funds and Borrowings: ................ 194,310 Other Liabilities: ............................................ 6,894 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,354,023 Total Equity Capital: .................................. 139,344 Total Liabilities and Capital: ................... 1,493,367 Number of Shares Outstanding: .................. 34,523 Directors: Donald C. Bedell; Dale E. Cole; Boris A. Dover; Preston W. "Chip" Grace, III; Rick Kent; Ray LaCroix; Dianne Lamberth; Dr. Charles McClain; John Sarratt; Frank Tripp; Sheila Wagnon; Keith Webb Branches in Town: Three Other Branches: Bald Knob, Bay, Cabot (2), Cave City, Cherokee Village, Goodman[MO], Jonesboro (3), Lepanto, Little Rock (2), Mountain Home, Neosho[MO] (2), Newport, Pineville[MO], Searcy (3) The Citizens Bank Batesville, AR VOICE: (870) 793-4441 FAX: (870) 698-6299 Trust Powers: Yes 655 St. Louis Street 72501 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: Phil Baldwin EVP/CFO: Karen Shaw Pres: Adam Mitchell SVP/TO: Gene Crawford Cash and Due from:.................................... 21,257 Federal Funds and Repos: .................................. 0 Investments: ............................................. 114,432 Net Loans: ................................................ 693,543 Premises and Fixed Assets:........................ 37,808 Other Real Estate: ........................................... 315 Other Assets: .............................................. 27,513 Total Assets: ............................................. 894,868 Total Trust Assets: .................................... 125,671 Deposits: .................................................. 735,133 Federal Funds and Borrowings: .................. 69,325 Other Liabilities: ............................................ 2,389 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 806,847 Total Equity Capital: .................................... 88,021 Total Liabilities and Capital: ...................... 894,868 Number of Shares Outstanding: .................. 16,500 Directors: Phil Baldwin; Adam Mitchell; Dr. Lackey G. Moody, M.D.; Jay F. Shell; Kay Southerland; Jeffery F. Teague Branches in Town: Four Other Branches: Arkadelphia, Cave City, Crossett, Fayetteville (2), Hot Springs (3), Imboden, Little Rock, Monticello (2), Mountain View, Pleasant Plains, Portland, Rogers One Hundred and Fifth Report 37 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 Home Page: www.bankofbearden.com Bank Holding Company Bearden Bancshares, Inc., Bearden, AR VP: Donnie Castleberry VP/Cash: Susan Lusby Cash and Due from: ...................................... 7,153 Federal Funds and Repos: ............................8,500 Investments: ................................................ 10,241 Net Loans:................................................... 26,786 Premises and Fixed Assets: ...............................92 Other Real Estate: ............................................... 0 Other Assets: ...................................................158 Total Assets: ............................................... 52,930 Total Trust Assets: .............................................. 0 Deposits: .....................................................46,553 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 48 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................46,601 Total Equity Capital: ......................................6,329 Total Liabilities and Capital: .........................52,930 Number of Shares Outstanding: ....................8,300 Directors: John E. Anthony; Steven M. Anthony; Rick Green; Ronald A. Ramsay; Ken Riley; Brett Wood; Betty Word; Steve Wright Branches in Town: None Other Branches: None Farmers Bank And Trust Company Blytheville, AR VOICE: (870) 763-8101 FAX: (870) 763-3500 Trust Powers: Yes 400 West Main 72315-0688 Charter Number: 253 Date: March 16, 1908 FDIC Certificate Number: 1027 Home Page: www.fbtbly.com Member of Federal Reserve System Bank Holding Company Farmers Bancorp, Inc., Blytheville, AR Chm/CEO/Pres: Randy Scott CFO: Shelly Crosskno Cash and Due from: ...................................... 5,779 Federal Funds and Repos: .......................... 24,500 Investments: ................................................ 14,465 Net Loans:................................................. 216,604 Premises and Fixed Assets: ..........................6,311 Other Real Estate: ............................................414 Other Assets: ................................................7,906 Total Assets: ............................................. 275,979 Total Trust Assets: .............................................. 0 Deposits: ...................................................233,417 Federal Funds and Borrowings: ...................15,570 Other Liabilities:............................................... 957 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 249,944 Total Equity Capital: ....................................26,035 Total Liabilities and Capital: .......................275,979 Number of Shares Outstanding: ..................40,000 Directors: Steve Bell; Paula O. Blackwell; Ronny Goff; Brad Harrison; John Langston; John C. Rose, Jr.; Randy Scott; Tommy W. Wagner, Jr. Branches in Town: Four Other Branches: Manila, Wilson 38 Arkansas State Bank Department First Western Bank Booneville, AR VOICE: (479) 936-2000 FAX: (479) 878-3408 Trust Powers: Yes 80 West Main 72927-0238 Charter Number: 397 Date: April 18, 1910 FDIC Certificate Number: 13083 Home Page: www.fwbank.com Member of Federal Reserve System Bank Holding Company First Western Bancshares, Inc., Booneville, AR Chm/CEO: John T. Hampton CCO: Landon Taylor Pres/CFO: Steve Gramling Cash and Due from:.................................... 18,811 Federal Funds and Repos: ........................... 3,700 Investments: ............................................... 20,732 Net Loans: ................................................ 371,673 Premises and Fixed Assets:........................ 12,523 Other Real Estate: ........................................ 3,355 Other Assets: .............................................. 16,741 Total Assets: ............................................. 447,535 Total Trust Assets: ............................................... 0 Deposits: .................................................. 380,214 Federal Funds and Borrowings: .................. 25,000 Other Liabilities: ............................................ 3,861 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 409,075 Total Equity Capital: .................................... 38,460 Total Liabilities and Capital: ...................... 447,535 Number of Shares Outstanding: ................ 100,000 Directors: Dan Brown; Thomas C. Conly; Matt Crafton; Steve Gramling; John T. Hampton; Ty Hampton; John Mack; David Remy; John Williams; Jane Woolley Branches in Town: One Other Branches: Bella Vista, Bentonville, Caulksville, Fort Smith, Magazine, Rogers (3) Community State Bank Bradley, AR VOICE: (870) 894-3322 FAX: (870) 894-3324 Trust Powers: No 208 West 4th Street 71826-0120 Charter Number: 653 Date: April 10, 1933 FDIC Certificate Number: 5619 Home Page: www.csbarkansas.com Bank Holding Company None CEO/Pres: Jeff C. Hobbs VP/Cash: Regina Smith EVP/SLO: Sherri Jones Cash and Due from:...................................... 5,418 Federal Funds and Repos: .................................. 0 Investments: ................................................. 2,279 Net Loans: .................................................. 12,210 Premises and Fixed Assets:............................. 430 Other Real Estate: ............................................... 0 Other Assets: ................................................... 772 Total Assets: ............................................... 21,109 Total Trust Assets: ............................................... 0 Deposits: .................................................... 18,215 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 51 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 18,266 Total Equity Capital: ...................................... 2,843 Total Liabilities and Capital: ........................ 21,109 Number of Shares Outstanding: .................. 10,000 Directors: Taylor Chandler; Jeff C. Hobbs; Derick Murway; Marcus D. Novacheck; Chris Towne Branches in Town: None Other Branches: None One Hundred and Fifth Report 39 Bank of Cave City Cave City, AR VOICE: (870) 283-5301 FAX: (870) 283-6466 Trust Powers: Yes 137 South Main Street 72521-0490 Charter Number: 209 Date: July 2, 1906 FDIC Certificate Number: 105 Home Page: www.bankofcavecity.com Member of Federal Reserve System Bank Holding Company Sharp Bancshares, Inc., Cave City, AR CEO/Pres/TO: John M. Beller EVP/CFO: Kim Nunnally EVP: Dennis Esteb EVP/CLO: Gayla Hickman Cash and Due from: ...................................... 5,502 Federal Funds and Repos: ............................4,800 Investments: ................................................ 12,817 Net Loans:................................................... 84,387 Premises and Fixed Assets: ..........................4,165 Other Real Estate: ............................................194 Other Assets: ................................................ 6,596 Total Assets: ............................................. 118,461 Total Trust Assets: .............................................. 0 Deposits: .....................................................95,784 Federal Funds and Borrowings: .....................9,467 Other Liabilities:.............................................2,400 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 107,651 Total Equity Capital: ....................................10,810 Total Liabilities and Capital: .......................118,461 Number of Shares Outstanding: ....................4,000 Directors: James E. Baxter; John Beller; Samuel F. Beller; Dennis Esteb; John H. Pettersen; Bruce Street; Scott Street Branches in Town: None Other Branches: Batesville, 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: ...................................... 3,037 Federal Funds and Repos: .................................. 0 Investments: ................................................ 27,541 Net Loans:.....................................................9,695 Premises and Fixed Assets: .............................255 Other Real Estate: ............................................118 Other Assets: ...................................................581 Total Assets: ............................................... 41,227 Total Trust Assets: .............................................. 0 Deposits: .....................................................35,514 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 119 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................35,633 Total Equity Capital: ......................................5,594 Total Liabilities and Capital: .........................41,227 Number of Shares Outstanding: ....................5,660 Directors: James W. Faulkner; Joe Griffith; J. Kendall Henry; Kelly Lawless; E. Davidson Lee; Kirby Meacham, Jr.; J. Baxter Sharp, III Branches in Town: None Other Branches: None 40 Arkansas State Bank Department 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: Randy Sims CFO/Treas: Brian Davis CEO/Pres: Tracy French COO: Stephen Tipton Cash and Due from:.................................. 554,640 Federal Funds and Repos: ........................... 1,075 Investments: .......................................... 2,051,939 Net Loans: ........................................... 10,947,063 Premises and Fixed Assets:...................... 276,876 Other Real Estate: ...................................... 13,734 Other Assets: ......................................... 1,428,697 Total Assets: ........................................ 15,274,024 Total Trust Assets: .................................... 646,308 Deposits: ............................................. 11,421,829 Federal Funds and Borrowings: ............. 1,041,989 Other Liabilities: ........................................ 102,706 Subordinated Debt: .............................................. 0 Total Liabilities: .................................... 12,566,524 Total Equity Capital: ............................... 2,707,500 Total Liabilities and Capital: ................. 15,274,024 Number of Shares Outstanding: .................... 2,400 Directors: Milburn Adams; Robert H. Adcock, Jr.; John Allison; Richard Ashley; Brian Davis; Jack Engelkes; William J. Farris, Jr.; Tracy French; John Freyaldenhoven; Allen V. Hankins; Shane A. Henry; Kevin Hester; Jim Rankin; Dave Seleski; Randy Sims; Donna Townsell Branches in Town: Six Other Branches: Apalachicola[FL], Atkins, Batesville (2), Beebe (2), Bentonville, Big Pine Key[FL], Blountstown[FL], Boca Raton[FL], Bristol[FL], Bryant, Cabot (4), Carrabelle[FL], Clarksville, Clearwater[FL], Cooper City[FL], Coral Gables[FL], Coral Springs[FL], Crawfordville[FL], Dade City[FL], Dania Beach[FL], Dardanelle, Davie[FL], Destin[FL], Doral[FL], Eastpoint[FL], Elberta[AL], Englewood[FL], Fairhope[AL], Fayetteville (2), Foley[AL], Fort Smith (3), Ft. Lauderdale[FL] (3), Ft. Myers[FL], Greenbrier, Gulf Shores[AL], Heber Springs, Highland, Hollywood[FL], Islamorada[FL], Jacksonville (2), Jonesboro (6), Jupiter[FL], Key Largo[FL], Key West[FL] (3), Kissimmee[FL], Lake Mary[FL], Lakeland[FL], Little Rock (8), Lutz[FL], Marathon[FL] (2), Marco Island[FL], Mayflower, Mexico Beach[FL], Monette, Morrilton, Mountain Home, Mountain View (2), Naples[FL], Navarre[FL], New York[NY], North Little Rock (6), Orange Beach[AL], Panama City[FL] (2), Panama City Beach[FL] (2), Paragould (3), Pensacola[FL] (2), Plant City[FL], Plantation[FL], Pompano Beach[FL], Port Saint Joe[FL], Pottsville, Punta Gorda[FL], Quincy[FL], Quitman, Rector, Rogers, Russellville (3), Saint George Island[FL], Saint James City[FL], Saint Petersburg[FL], Santa Rosa Beach[FL] (2), Sarasota[FL] (2), Searcy (3), Sherwood, Siloam Springs (2), Spring Hill[FL], Springdale, St. Cloud[FL], Tallahassee[FL] (6), Tampa[FL] (3), Tontitown, Van Buren, Venice[FL], Vilonia, Ward, West Palm Beach[FL], Weston [FL], Wewahitchka[FL], Winter Haven[FL], Winter Park[FL], Zephyrhills[FL] One Hundred and Fifth Report 41 First State Bank Crossett, AR VOICE: (870) 364-5131 FAX: (870) 364-6329 Trust Powers: No 200 Pine Street 71635-0638 Charter Number: 718 Date: May 13, 1963 FDIC Certificate Number: 18987 Home Page: www.fsbcrossett.com Bank Holding Company Evergreen Bancshares, Inc., Crossett, AR Chm: Richard E. Griffin SVP: Tressie A. Mills CEO/Pres: Howard M. Beaty, Jr. VP: Edith Morrison Cash and Due from: ...................................... 3,101 Federal Funds and Repos: .................................. 0 Investments: ..................................................5,598 Net Loans:................................................... 21,292 Premises and Fixed Assets: ..........................1,117 Other Real Estate: ............................................457 Other Assets: ................................................ 1,409 Total Assets: ............................................... 32,974 Total Trust Assets: .............................................. 0 Deposits: .....................................................27,081 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 280 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................27,361 Total Equity Capital: ......................................5,613 Total Liabilities and Capital: .........................32,974 Number of Shares Outstanding: ................100,000 Directors: Howard M. Beaty, Jr.; Patricia Draper; Richard E. Griffin; Toyce Newton; Barney White Branches in Town: One Other Branches: None Chambers Bank Danville, AR VOICE: (479) 495-2236 FAX: (479) 495-4650 Trust Powers: No 901 Main Street 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/CEO: John Ed Chambers, III CFO: Landi Mkhize Pres: Mike Donnell Cash and Due from: .................................... 11,901 Federal Funds and Repos: .......................... 68,275 Investments: ................................................ 35,941 Net Loans:................................................. 687,856 Premises and Fixed Assets: ........................ 13,418 Other Real Estate: .........................................5,284 Other Assets: .............................................. 33,470 Total Assets: ............................................. 856,145 Total Trust Assets: .............................................. 0 Deposits: ...................................................673,375 Federal Funds and Borrowings: ...................74,464 Other Liabilities:.............................................6,096 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 753,935 Total Equity Capital: .................................. 102,210 Total Liabilities and Capital: .......................856,145 Number of Shares Outstanding: ..................10,000 Directors: Thomas Akin; Danny Bunting; John Ed Chambers, III; Bill Donnell; Mike Donnell; Nathan George; Larry Hillyard; John Russell Meeks; Robert R. Redfern Branches in Town: One Other Branches: Amity, Dardanelle, Elkins (2), Fayetteville, Fort Smith (2), Havana, Hot Springs, Hot Springs Village, Mansfield, Mena, Rogers, Springdale (2), Waldron 42 Arkansas State Bank Department River Town Bank Dardanelle, AR VOICE: (479) 229-3311 FAX: (479) 229-4180 Trust Powers: Yes 102 North Front Street 72834-0577 Charter Number: 668 Date: September 12, 1934 FDIC Certificate Number: 14749 Home Page: www.rivertownbank.com Bank Holding Company Bank of Dardanelle Bankshares, Inc., Dardanelle, AR Chm/CEO/Pres: Blake Tarpley CFO: Randy Blanton Cash and Due from:.................................... 19,427 Federal Funds and Repos: .................................. 0 Investments: ............................................... 17,294 Net Loans: .................................................. 89,178 Premises and Fixed Assets:.......................... 4,715 Other Real Estate: ........................................ 2,087 Other Assets: ................................................ 2,532 Total Assets: ............................................. 135,233 Total Trust Assets: ............................................... 0 Deposits: .................................................. 115,371 Federal Funds and Borrowings: .................... 2,360 Other Liabilities: ............................................... 149 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 117,880 Total Equity Capital: .................................... 17,353 Total Liabilities and Capital: ...................... 135,233 Number of Shares Outstanding: .................... 8,000 Directors: Dee Abrams; Thomas C. Berryhill; Barbara Bullock; Bunny Bullock; Tim Marshall; Laura Ogle; Blake Tarpley; Adam Waldron Branches in Town: One Other Branches: Atkins, Conway, Danville, Dover, Russellville (2) 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 Pres/COO: Vince Grimes Cash and Due from:...................................... 7,074 Federal Funds and Repos: ......................... 11,700 Investments: ................................................. 8,647 Net Loans: ................................................ 103,653 Premises and Fixed Assets:............................. 705 Other Real Estate: ............................................. 61 Other Assets: ................................................ 1,758 Total Assets: ............................................. 133,598 Total Trust Assets: ............................................... 0 Deposits: .................................................. 105,506 Federal Funds and Borrowings: .................... 9,679 Other Liabilities: ............................................... 164 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 115,349 Total Equity Capital: .................................... 18,249 Total Liabilities and Capital: ...................... 133,598 Number of Shares Outstanding: .................. 15,583 Directors: Gary Chambliss; Rodney Fagan; Darwin Hendrix; David B. Hendrix; John D. Ledbetter; Jeff L. Milam; Randy Turner Branches in Town: None Other Branches: Gurdon, Prescott One Hundred and Fifth Report 43 First State Bank of DeQueen DeQueen, AR VOICE: (870) 642-4423 FAX: (870) 642-2847 Trust Powers: No 402 West Collin Raye Drive 71832-0970 Charter Number: 731 Date: August 26, 1974 FDIC Certificate Number: 21805 Home Page: www.fsbdequeen.com Member of Federal Reserve System Bank Holding Company First State Bancshares, Inc., DeQueen, AR Chm: Dennis Smiley Reg Pres: Noel Bard CEO/Pres: Gary L. Golden Reg Pres: J. Marc Jackson Cash and Due from: .................................... 12,941 Federal Funds and Repos: .................................. 0 Investments: ................................................ 44,444 Net Loans:................................................. 190,191 Premises and Fixed Assets: ..........................5,554 Other Real Estate: ..............................................21 Other Assets: ................................................ 8,522 Total Assets: ............................................. 261,673 Total Trust Assets: .............................................. 0 Deposits: ...................................................228,759 Federal Funds and Borrowings: .....................3,545 Other Liabilities:.............................................3,423 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 235,727 Total Equity Capital: ....................................25,946 Total Liabilities and Capital: .......................261,673 Number of Shares Outstanding: ..................76,000 Directors: Julie Brown; Gary Dan Futrell; Gary L. Golden; Edward Revels; Dennis Smiley; Don Stemple; Angie Walker Branches in Town: One Other Branches: Dierks, Glenwood, Lockesburg, Murfreesboro, Nashville Arkansas County Bank DeWitt, AR VOICE: (870) 946-3551 220 West Cross Street Charter Number: 790 FAX: (870) 946-1562 72042 Date: September 26, 2006 Trust Powers: Yes FDIC Certificate Number: 3858 Home Page: www.arkansascountybank.com Member of Federal Reserve System Bank Holding Company DeWitt First Bankshares Corporation, DeWitt, AR CEO/Pres: Warren A. Jennings, Jr. VP/TO: Gena M. Jennings VP/Cash: Mary West Cash and Due from: ...................................... 7,007 Federal Funds and Repos: .................................. 0 Investments: ................................................ 57,276 Net Loans:................................................... 99,770 Premises and Fixed Assets: ..........................3,775 Other Real Estate: ............................................831 Other Assets: ................................................ 3,085 Total Assets: ............................................. 171,744 Total Trust Assets: ...................................... 28,443 Deposits: ...................................................122,855 Federal Funds and Borrowings: ...................28,912 Other Liabilities:............................................... 196 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 151,963 Total Equity Capital: ....................................19,781 Total Liabilities and Capital: .......................171,744 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.; Robert M Johnston, Jr.; K. Daniel Kennedy; Lester A. McKinley; James N. Moss, Jr.; Gary Sebree Branches in Town: None Other Branches: Lockesburg, Stuttgart 44 Arkansas State Bank Department DeWitt Bank And Trust Company DeWitt, AR VOICE: (870) 946-3531 FAX: (870) 946-2815 Trust Powers: Yes Second and Jefferson Streets 72042-0071 Charter Number: 605 Date: March 1, 1929 FDIC Certificate Number: 1522 Home Page: www.dewittbankandtrust.com Bank Holding Company Stone Bancshares, Inc., Mountain View, AR Chm: Eddie Lumsden Pres/TO: David L. Jessup CEO: Marnie B. Oldner CLO: Nick Roach Cash and Due from:.................................... 20,831 Federal Funds and Repos: ......................... 23,300 Investments: ................................................. 7,611 Net Loans: .................................................. 27,000 Premises and Fixed Assets:.......................... 3,319 Other Real Estate: ............................................... 0 Other Assets: ................................................ 6,904 Total Assets: ............................................... 88,965 Total Trust Assets: .................................... 104,682 Deposits: .................................................... 77,758 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 1,379 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 79,137 Total Equity Capital: ...................................... 9,828 Total Liabilities and Capital: ........................ 88,965 Number of Shares Outstanding: .................. 54,000 Directors: Tricia Bull; Kevin Compton; Ray Dillon; James L. Fly, Jr.; David L. Jessup; Eddie Lumsden; Marnie B. Oldner; Nick Roach; Deane Robinson; Dean Watts; Fred Williams Branches in Town: None Other Branches: Gillett 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 Chm/CFO: L. Ashton Adcock EVP: Betty B. Trites CEO/Pres: J. Michael Jones TO: Price E. Boney, Jr. Cash and Due from:...................................... 5,491 Federal Funds and Repos: ........................... 4,000 Investments: ............................................... 11,615 Net Loans: ................................................ 115,757 Premises and Fixed Assets:.......................... 5,276 Other Real Estate: ............................................... 0 Other Assets: ................................................ 6,323 Total Assets: ............................................. 148,462 Total Trust Assets: ...................................... 66,550 Deposits: .................................................. 132,360 Federal Funds and Borrowings: .................... 2,316 Other Liabilities: ............................................... 323 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 134,999 Total Equity Capital: .................................... 13,463 Total Liabilities and Capital: ...................... 148,462 Number of Shares Outstanding: .................. 40,000 Directors: L. Ashton Adcock; Jimmie Appleberry; L. Sue Frank; John F. Freeman; Bruce Gasaway; Brooks Gill; James L. Hill; J. Michael Jones; Don Livingston; William W. Shea; David Walt Branches in Town: One Other Branches: Bryant One Hundred and Fifth Report 45 First Financial Bank El Dorado, AR VOICE: (870) 863-7000 FAX: (870) 881-5393 Trust Powers: No 214 North Washington Street Charter Number: 778 71730-1754 Date: April 15, 1999 FDIC Certificate Number: 28905 Home Page: www.ffb1.com Member of Federal Reserve System Bank Holding Company First Financial Banc Corporation, El Dorado, AR Chm: Jeffrey W. Nolan CFO: Melissa Jerry CEO/Pres: Chris Hegi Sec: Debra Martin Cash and Due from: .................................... 24,701 Federal Funds and Repos: .......................... 49,339 Investments: ................................................ 23,080 Net Loans:................................................. 901,897 Premises and Fixed Assets: ........................ 10,169 Other Real Estate: .........................................5,800 Other Assets: .............................................. 46,479 Total Assets: .......................................... 1,061,465 Total Trust Assets: .............................................. 0 Deposits: ...................................................810,062 Federal Funds and Borrowings: .................108,613 Other Liabilities:.............................................4,096 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 922,771 Total Equity Capital: ..................................138,694 Total Liabilities and Capital: .................... 1,061,465 Number of Shares Outstanding: ................704,757 Directors: Jerry Bullard; J. Stephen Cameron; Chris Hegi; James M. Moore, Jr.; Margaret M. Niel; Jeffrey W. Nolan; Gary W. Sewell; Dr. Stephen C. Smart Branches in Town: Five Other Branches: Carthage[MS], Little Rock, Mena, Senatobia[MS], Smackover 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 Canada Bancshares, Inc., England, AR Chm/CEO: Gary Canada, Sr. EVP: Hanna B. Canada Pres: Gary Canada, Jr. Cash: Sheila Rice Cash and Due from: .................................... 12,208 Federal Funds and Repos: ............................3,850 Investments: ................................................ 33,239 Net Loans:................................................. 319,570 Premises and Fixed Assets: ..........................6,832 Other Real Estate: .........................................1,517 Other Assets: .............................................. 21,696 Total Assets: ............................................. 398,912 Total Trust Assets: .............................................. 0 Deposits: ...................................................316,603 Federal Funds and Borrowings: .....................7,689 Other Liabilities:...........................................20,791 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 345,083 Total Equity Capital: ....................................53,829 Total Liabilities and Capital: .......................398,912 Number of Shares Outstanding: ..................10,000 Directors: James Neal Anderson; Brad Canada; Gary Canada, Jr.; Gary Canada, Sr.; Hanna B. Canada; Nicole Canada Luebke Branches in Town: One Other Branches: Carlisle, Little Rock, Lonoke, North Little Rock 46 Arkansas State Bank Department Cornerstone Bank Eureka Springs, AR VOICE: (479) 253-2265 FAX: (479) 253-1165 Trust Powers: No 70 South Main 72632-0309 Charter Number: 374 Date: May 4, 1912 FDIC Certificate Number: 5635 Home Page: www.cstonebank.net Bank Holding Company Eureka Bancshares, Inc., Eureka Springs, AR CEO: Charles T. Cross Pres/CLO: Jason Tennant Cash and Due from:.................................... 19,961 Federal Funds and Repos: .................................. 0 Investments: ............................................... 36,660 Net Loans: ................................................ 236,189 Premises and Fixed Assets:........................ 15,620 Other Real Estate: ........................................ 1,622 Other Assets: ................................................ 8,548 Total Assets: ............................................. 318,600 Total Trust Assets: ............................................... 0 Deposits: .................................................. 264,094 Federal Funds and Borrowings: .................. 26,078 Other Liabilities: ............................................ 2,892 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 293,064 Total Equity Capital: .................................... 25,536 Total Liabilities and Capital: ...................... 318,600 Number of Shares Outstanding: .................... 4,000 Directors: Genes L. Bland; Charles T. Cross; John F. Cross, Sr.; Johnice Cross; Lewis E. Epley, Jr.; William E. Goff; Rex A. Gustin; Daniel J. Mumaugh; Dale E. Steffens; Mark Stone; Jason F. Tennant; Randy Wolfinbarger Branches in Town: One Other Branches: Berryville, Harrison, Holiday Island, Huntsville One Hundred and Fifth Report 47 Arvest Bank Fayetteville, AR VOICE: (479) 750-1400 FAX: (479) 770-1615 Trust Powers: Yes 75 North East Street 72702-1327 Charter Number: 31 Date: December 24, 1892 FDIC Certificate Number: 8728 Home Page: www.arvest.com Member of Federal Reserve System Bank Holding Company Arvest Holdings, Inc., Bentonville, AR Chm: Jim C. Walton EVP/CFO: Karla S. Payne CEO/Pres: K. Kevin Sabin EVP/COO: Phil Porter Cash and Due from: ............................... 1,009,559 Federal Funds and Repos: .......................... 65,000 Investments: ........................................... 3,849,562 Net Loans:............................................ 12,609,872 Premises and Fixed Assets: ...................... 469,793 Other Real Estate: ....................................... 25,387 Other Assets: ......................................... 1,230,302 Total Assets: ........................................ 19,259,475 Total Trust Assets: ................................. 3,417,843 Deposits: .............................................. 16,355,647 Federal Funds and Borrowings: .................483,437 Other Liabilities:......................................... 199,357 Subordinated Debt: ............................................. 0 Total Liabilities: .................................... 17,038,441 Total Equity Capital: ............................... 2,221,034 Total Liabilities and Capital: .................. 19,259,475 Number of Shares Outstanding: ................350,692 Directors: Laura Andress; J. Robert Kelly; James M. King; Bradley Krieger; Matt Machen; Karla S. Payne; Phillip O. Porter; K. Kevin Sabin; Rodney Shepard; Donald E. Walker; Jim C. Walton Branches in Town: Eight Other Branches: Ada[OK], Alma, Anderson[MO], Ashdown, Aurora[MO], Bartlesville[OK] (4), Bella Vista (3), Belton[MO], Benton, Bentonville (6), Berryville, Branson[MO], Branson West[MO], Broken Arrow[OK] (3), Broken Bow[OK], Bryant, Bull Shoals, Cabot, Caney[KS], Carthage[MO] (2), Cassville[MO], Catoosa[OK], Centerton, Chickasha[OK], Choctaw[OK], Clarksville, Conway (3), Coweta[OK], Del City[OK], DeQueen, Dewey[OK] (2), Dierks, Duncan[OK] (3), Edmond[OK] (3), Elgin[OK], Elkins, Eufaula[OK], Eureka Springs, Farmington, Flippin, Fort Smith (8), Gardner[KS], Gentry, Gladstone[MO], Glenwood, Gravette, Greenwood, Grove[OK], Harrison (3), Hollister[MO], Hot Springs (6), Hot Springs Village, Huntsville (2), Idabel[OK], Independence[MO], Jacksonville, Jay[OK], Jenks[OK], Jonesboro (3), Joplin[MO] (6), Kansas [OK], Kansas City[MO] (6), Kimberling City[MO], Lamar[MO], Lawton[OK] (4), Lead Hill, Leawood[KS], Lebanon[MO], Lee's Summit[MO] (2), Lenexa[KS], Lincoln, Little Rock (8), Lockwood[MO], Lonoke, Lowell, Manila, Marshfield[MO], McAlester[OK], Mena, Miami[OK], Midwest City[OK], Mission[KS], Monett[MO], Monette, Moore[OK] (2), Morrilton, Mount Ida, Mountain Grove[MO], Mountain Home (3), Muskogee[OK] (4), Nashville, Neosho[MO] (2), Nevada[MO], Nixa[MO], Noel[MO], Norman[OK] (6), North Little Rock (4), Nowata[OK] (2), Oklahoma City[OK] (9), Okmulgee[OK], Ottawa[KS], Overland Park[KS], Owasso[OK] (2), Paris, Pea Ridge, Pittsburg[KS], Poteau[OK], Prairie Grove, Pryor[OK], Rogers (7), Russellville (5), Sallisaw[OK], Sand Springs[OK], Sapulpa[OK], Shawnee[OK] (3), Shell Knob[MO], Sherwood (2), Siloam Springs (3), Springdale (8), Springfield[MO] (6), Stillwater[OK] (2), Stilwell[OK], Tahlequah[OK] (3), Tulsa[OK] (17), Van Buren (2), Vinita[OK], Wagoner[OK], Waldron, Walters[OK], Webb City[MO], West Fork, West Plains[MO], 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: Gary R. Head CFO/Treas: Russell W. Nugent, Jr. CAO: Brant Ward Cash and Due from:.................................... 26,990 Federal Funds and Repos: .................................. 0 Investments: ............................................... 56,492 Net Loans: ................................................ 537,186 Premises and Fixed Assets:........................ 18,987 Other Real Estate: ........................................ 6,331 Other Assets: ................................................ 9,516 Total Assets: ............................................. 655,502 Total Trust Assets: ............................................... 0 Deposits: .................................................. 542,048 Federal Funds and Borrowings: .................. 35,131 Other Liabilities: ............................................ 3,169 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 580,348 Total Equity Capital: .................................... 75,154 Total Liabilities and Capital: ...................... 655,502 Number of Shares Outstanding: .................. 30,000 Directors: Gary R. Head ; Dr. John A. Dominick; Matthew R. Duffy; Michael E. Hill; Kevin J. Kooman; Greg W. Lee; David McConnell; Todd Simmons; Cameron Smith Branches in Town: None Other Branches: Bentonville, Brinkley (2), Rogers, Springdale FBT Bank & Mortgage Fordyce, AR VOICE: (870) 352-3107 FAX: (870) 352-5202 Trust Powers: Yes 200 West Fourth Street 71742-2202 Charter Number: 631 Date: January 5, 1931 FDIC Certificate Number: 1028 Home Page: www.fbtbank.com Member of Federal Reserve System Bank Holding Company FBT Bancshares, Inc., Fordyce, AR Chm/CEO/Pres/TO: James V. Hulse, Jr. EVP: Lance Nutt EVP: Craig Attwood Cash and Due from:.................................... 21,413 Federal Funds and Repos: .................................. 0 Investments: ............................................... 43,231 Net Loans: .................................................. 94,270 Premises and Fixed Assets:.......................... 2,200 Other Real Estate: ............................................... 0 Other Assets: ................................................ 5,406 Total Assets: ............................................. 166,520 Total Trust Assets: ........................................ 1,241 Deposits: .................................................. 131,401 Federal Funds and Borrowings: .................. 14,600 Other Liabilities: ............................................... 574 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 146,575 Total Equity Capital: .................................... 19,945 Total Liabilities and Capital: ...................... 166,520 Number of Shares Outstanding: .................... 8,000 Directors: Joe D. Barnes; Suzette Crutchfield; James V. Hulse, Jr.; Anthony Nutt; Gregory S. Ray; John N. Summers; Greg Terry; Charles B. Trussell; Clyde Williams Branches in Town: One Other Branches: Pine Bluff, Rison, White Hall One Hundred and Fifth Report 49 Armor Bank Forrest City, AR VOICE: (870) 633-1525 FAX: (870) 633-8212 Trust Powers: Yes 715 North Washington 72335 Charter Number: 802 Date: June 28, 2018 FDIC Certificate Number: 28812 Home Page: www.armor.bank Bank Holding Company Forrest City Financial Corporation, Marianna, AR Chm: Mark Waldrip SVP: Nathan Waldrip CEO/Pres: Chad T. May CLO: T. Courtney Menefee Cash and Due from: ...................................... 4,838 Federal Funds and Repos: .......................... 28,015 Investments: ................................................ 19,203 Net Loans:................................................... 45,131 Premises and Fixed Assets: ..........................2,454 Other Real Estate: ............................................132 Other Assets: ................................................ 1,522 Total Assets: ............................................. 101,295 Total Trust Assets: .............................................. 0 Deposits: .....................................................82,755 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 210 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................82,965 Total Equity Capital: ....................................18,330 Total Liabilities and Capital: .......................101,295 Number of Shares Outstanding: ................229,233 Directors: Bradley J. Beavers; Stephen W. Edwards, Sr.; Andrew F. Higginbothom; Chad T. May; Mark Waldrip; Nathan M. Waldrip Branches in Town: One Other Branches: Little Rock (2) Bank of Gravett Gravette, AR VOICE: (479) 787-5251 FAX: (479) 787-6102 Trust Powers: No CEO: Patrick Swope Pres: Brian Glenn 211 Main Street SE 72736 Charter Number: 46 Date: February 28, 1898 FDIC Certificate Number: 5636 Home Page: www.bankofgravett.net Bank Holding Company Legacy Bancshares, Inc., Springdale, AR EVP: Rick Pollreis SVP: Brenda Bridge Cash and Due from: .................................... 16,202 Federal Funds and Repos: .................................. 0 Investments: ................................................ 22,793 Net Loans:................................................... 77,113 Premises and Fixed Assets: ..........................3,409 Other Real Estate: ............................................841 Other Assets: .............................................. 14,127 Total Assets: ............................................. 134,485 Total Trust Assets: .............................................. 0 Deposits: ...................................................116,039 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 454 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 116,493 Total Equity Capital: ....................................17,992 Total Liabilities and Capital: .......................134,485 Number of Shares Outstanding: ....................4,000 Directors: Mary K. Brown; Gary C. George; Don L. Gibson; David Harris; Gary Jech; Matthew L. Mawby; Brian Shaw; Stephen E. Stafford; Loyd R. Swope; Patrick H. Swope Branches in Town: One Other Branches: Centerton, Hiwasse 50 Arkansas State Bank Department Anstaff Bank Green Forest, AR VOICE: (870) 438-5214 FAX: (870) 438-5412 Trust Powers: Yes 100 First National Avenue 72638 Charter Number: 801 Date: June 28, 2016 FDIC Certificate Number: 3869 Home Page: www.anstaffbank.com Bank Holding Company First National Bancorp, Inc., Green Forest, AR Chm/CEO: Stephen E. Stafford SVP/CFO: Marcus Walser Pres: Brad King SVP/COO: Shelby Bruffett Cash and Due from:.................................... 16,705 Federal Funds and Repos: ......................... 27,325 Investments: ............................................... 82,142 Net Loans: ................................................ 494,452 Premises and Fixed Assets:........................ 17,864 Other Real Estate: ........................................... 473 Other Assets: .............................................. 29,417 Total Assets: ............................................. 668,378 Total Trust Assets: ............................................... 0 Deposits: .................................................. 589,956 Federal Funds and Borrowings: .................... 5,767 Other Liabilities: ............................................ 5,571 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 601,294 Total Equity Capital: .................................... 67,084 Total Liabilities and Capital: ...................... 668,378 Number of Shares Outstanding: .................... 7,500 Directors: Tommy Ray Anderson; Brad King; Stacy Waller Lile; Ken Reeves; Logan Scott Stafford; Stephen E. Stafford Branches in Town: One Other Branches: Berryville (2), Flippin, Harrison (2), Huntsville, Jasper, Kingston, Mountain Home, Norfork First Service Bank Greenbrier, AR VOICE: (501) 679-7200 FAX: (501) 764-4260 Trust Powers: No 136 South Broadview 72058-0190 Charter Number: 732 Date: October 15, 1976 FDIC Certificate Number: 18519 Home Page: www.firstservicebank.com Bank Holding Company First Service Bancshares, Inc., Greenbrier, AR Chm/CEO/Pres: Thomas H. Grumbles CFO/COO: Kenneth Barnard Cash and Due from:...................................... 9,181 Federal Funds and Repos: ......................... 14,425 Investments: ............................................... 12,362 Net Loans: ................................................ 279,794 Premises and Fixed Assets:........................ 10,939 Other Real Estate: ........................................... 434 Other Assets: .............................................. 10,317 Total Assets: ............................................. 337,452 Total Trust Assets: ............................................... 0 Deposits: .................................................. 293,331 Federal Funds and Borrowings: .................. 10,551 Other Liabilities: ............................................ 2,285 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 306,167 Total Equity Capital: .................................... 31,285 Total Liabilities and Capital: ...................... 337,452 Number of Shares Outstanding: .................. 15,000 Directors: James Beavers; Steve Bone; Dr. Gary Bowman; Melton Cotton; Thomas H. Grumbles; Jim Hawks; Dr. Kyle D. Hensley; Dois "Dyke" Johnson; Jerry Kimbrough; Randy McCaslin; Larry Oaks Branches in Town: None Other Branches: Clinton, Conway (2), Dermott, Flippin, Little Rock, Marshall, Mountain View, Yellville One Hundred and Fifth 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 Pres: Edward Wilkinson CEO: Stanhope Wilkinson TO: Norman Wilkinson Cash and Due from: ...................................... 6,662 Federal Funds and Repos: .......................... 13,600 Investments: ................................................ 47,588 Net Loans:................................................. 121,925 Premises and Fixed Assets: ........................ 12,660 Other Real Estate: .........................................1,135 Other Assets: ................................................ 8,826 Total Assets: ............................................. 212,396 Total Trust Assets: ........................................1,028 Deposits: ...................................................171,995 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 532 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 172,527 Total Equity Capital: ....................................39,869 Total Liabilities and Capital: .......................212,396 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 Partners Bank Helena, AR VOICE: (870) 338-6451 FAX: (870) 338-6306 Trust Powers: Yes 302 Cherry Street 72342-0280 Charter Number: 803 Date: October 18, 2018 FDIC Certificate Number: 15729 Home Page: www.partnersbnk.com Bank Holding Company Helena Bancshares, Inc., Helena, AR CEO/Pres/CCO: John O. Moore SVP/Cash: Jeff Steele EVP: Tommie E. Shackelford, Jr. CFO: Brenda Eldridge Cash and Due from: .................................... 14,985 Federal Funds and Repos: .................................. 0 Investments: ................................................ 66,020 Net Loans:................................................... 99,561 Premises and Fixed Assets: ..........................1,553 Other Real Estate: ..............................................38 Other Assets: .............................................. 10,917 Total Assets: ............................................. 193,074 Total Trust Assets: .............................................. 0 Deposits: ...................................................154,878 Federal Funds and Borrowings: ...................11,000 Other Liabilities:............................................... 397 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 166,275 Total Equity Capital: ....................................26,799 Total Liabilities and Capital: .......................193,074 Number of Shares Outstanding: ..................50,000 Directors: John S. Cooper; Joseph Thomas Cunningham; Thomas "Larry" Delk; Jerry L. Kelley; Barry Lawrence; John O. Moore; Tommie E. Shackelford, Jr.; Vance G. St. Columbia; Harry G. Stephens, Jr.; Ed Wright Branches in Town: One Other Branches: Marion, Marvell, West Helena, Wynne 52 Arkansas State Bank Department 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 Home Page: www.horatiostatebank.com 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 Cash and Due from:.................................... 16,204 Federal Funds and Repos: .............................. 250 Investments: ............................................... 21,815 Net Loans: ................................................ 166,775 Premises and Fixed Assets:............................. 804 Other Real Estate: ............................................. 62 Other Assets: ................................................ 6,262 Total Assets: ............................................. 212,172 Total Trust Assets: ............................................... 0 Deposits: .................................................. 187,040 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 281 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 187,321 Total Equity Capital: .................................... 24,851 Total Liabilities and Capital: ...................... 212,172 Number of Shares Outstanding: .................... 2,000 Directors: Margaret S. Griffin; Michael B. Griffin; Carl E. Hendrix, III; Dani Hendrix; Edith H. Smith; Wilburn Smith; Elizabeth H. Trimble; Todd B. Trimble Branches in Town: None Other Branches: Foreman Today's Bank Huntsville, AR VOICE: (479) 582-0700 FAX: (479) 251-8253 Trust Powers: Yes 432 Harmony Road 72740-0667 Charter Number: 756 Date: July 26, 1991 FDIC Certificate Number: 33470 Home Page: www.todaysbank.com Bank Holding Company Mathias Bancshares, Inc., Springdale, AR Chm: Sam Mathias EVP/COO: Marivel Radcliffe CEO/Pres: Larry Olson SVP/CLO: Mark A. Marks Cash and Due from:.................................... 19,100 Federal Funds and Repos: .................................. 0 Investments: ............................................... 50,042 Net Loans: ................................................ 158,178 Premises and Fixed Assets:.......................... 6,462 Other Real Estate: ........................................... 759 Other Assets: ................................................ 6,836 Total Assets: ............................................. 241,377 Total Trust Assets: ............................................... 0 Deposits: .................................................. 201,022 Federal Funds and Borrowings: .................. 16,461 Other Liabilities: ............................................ 1,561 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 219,044 Total Equity Capital: .................................... 22,333 Total Liabilities and Capital: ...................... 241,377 Number of Shares Outstanding: .................. 27,000 Directors: Robert Lloyd; Sam Mathias; Larry Olson; Arthur Thurman; Jane Waters Branches in Town: One Other Branches: Alma, Fayetteville (2), Mansfield, Mulberry (2), Ozark, Springdale, Van Buren One Hundred and Fifth Report 53 First Arkansas Bank & Trust Jacksonville, AR VOICE: (501) 982-4511 FAX: (501) 982-5769 Trust Powers: Yes 600 West Main 72076 Charter Number: 701 Date: August 2, 1949 FDIC Certificate Number: 16849 Home Page: www.firstarkansasbank.com Bank Holding Company First Arkansas BancShares, Inc., Jacksonville, AR Chm/CEO/Pres: Larry T. Wilson SVP/CFO: Kim Cullum Cash and Due from: .................................... 35,120 Federal Funds and Repos: .................................. 0 Investments: .............................................. 177,226 Net Loans:................................................. 475,259 Premises and Fixed Assets: ........................ 23,421 Other Real Estate: ............................................114 Other Assets: .............................................. 59,078 Total Assets: ............................................. 770,218 Total Trust Assets: .................................... 167,215 Deposits: ...................................................557,584 Federal Funds and Borrowings: ...................47,453 Other Liabilities:.............................................8,348 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 613,385 Total Equity Capital: ..................................156,833 Total Liabilities and Capital: .......................770,218 Number of Shares Outstanding: ................200,000 Directors: Cecil Alexander; Tommy Bond; Jamie Cobb; Pat Hagge; James E. Peacock; Kathryn W. Roberts; Terry Toney; Larry T. Wilson; Michael K. Wilson Branches in Town: Four Other Branches: Austin, Cabot (3), Clinton, Conway, Damascus, Gravel Ridge, Greenbrier, Greers Ferry, Guy, Heber Springs (3), Quitman, Sherwood (2) The Bank of Lake Village Lake Village, AR VOICE: (870) 265-2241 FAX: (870) 265-2125 Trust Powers: No 201 Main Street 71653-0727 Charter Number: 675 Date: October 14, 1937 FDIC Certificate Number: 15547 Home Page: www.bankoflakevillage.com Member of Federal Reserve System Bank Holding Company Southeast Arkansas Bank Corporation, Lake Village, AR Chm: Charles H. Weissinger, Jr. VChm: Guy M. Weissinger CEO/Pres/Sec: John T. Potter Cash and Due from: ...................................... 5,122 Federal Funds and Repos: ............................2,950 Investments: ................................................ 17,682 Net Loans:................................................... 36,713 Premises and Fixed Assets: .............................770 Other Real Estate: ............................................661 Other Assets: ................................................2,172 Total Assets: ............................................... 66,070 Total Trust Assets: .............................................. 0 Deposits: .....................................................57,620 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 153 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................57,773 Total Equity Capital: ......................................8,297 Total Liabilities and Capital: .........................66,070 Number of Shares Outstanding: ..................60,000 Directors: Terence J. Alpe; Sam E. Angel, II; Sam E. Angel; William W. Bunker, Jr.; Dr. John P. Burge, Sr.; David F. Gillison, Jr.; John T. Potter; Charles H. Weissinger, III; Charles H. Weissinger, Jr.; Guy M. Weissinger Branches in Town: One Other Branches: None 54 Arkansas State Bank Department Bank of Little Rock Little Rock, AR VOICE: (501) 376-0800 FAX: (501) 376-1642 Trust Powers: Yes 200 North State Street 72201 Charter Number: 748 Date: May 4, 1989 FDIC Certificate Number: 91280 Home Page: www.bankoflittlerock.com Member of Federal Reserve System Bank Holding Company Little Rock Bankshares, Inc., Little Rock, AR Chm/CEO/Pres: Eugene L. Maris SVP/Cash: Lee A. Swearingen SVP: Kim Markland Cash and Due from:.................................... 10,580 Federal Funds and Repos: ........................... 6,975 Investments: ............................................... 66,669 Net Loans: ................................................ 101,243 Premises and Fixed Assets:.......................... 6,252 Other Real Estate: ........................................... 250 Other Assets: ................................................ 5,213 Total Assets: ............................................. 197,182 Total Trust Assets: ............................................... 0 Deposits: .................................................. 174,313 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 1,341 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 175,654 Total Equity Capital: .................................... 21,528 Total Liabilities and Capital: ...................... 197,182 Number of Shares Outstanding: ................ 100,000 Directors: Eugene L. Maris; James M. May, III; Stephen W. Plunkett; Steven C. Russell Branches in Town: Four Other Branches: None One Hundred and Fifth Report 55 Bank OZK Little Rock, AR VOICE: (501) 978-2265 FAX: (501) 978-2282 Trust Powers: Yes 17901 Chenal Parkway 72223 Charter Number: 121 Date: March 24, 1903 FDIC Certificate Number: 110 Home Page: www.ozk.com Bank Holding Company None Chm/CEO: George G. Gleason, II CFO: Greg McKinney CAO: Tim Hicks TO: Jennifer Junker Cash and Due from: .................................. 738,566 Federal Funds and Repos: .................................. 0 Investments: ........................................... 2,548,489 Net Loans:............................................ 17,378,563 Premises and Fixed Assets: ...................... 662,082 Other Real Estate: ....................................... 32,856 Other Assets: ......................................... 1,600,175 Total Assets: ........................................ 22,960,731 Total Trust Assets: ................................. 1,903,994 Deposits: .............................................. 18,186,215 Federal Funds and Borrowings: .................268,806 Other Liabilities:......................................... 166,227 Subordinated Debt: ................................... 343,105 Total Liabilities: .................................... 18,964,353 Total Equity Capital: ............................... 3,996,378 Total Liabilities and Capital: .................. 22,960,731 Number of Shares Outstanding: ......... 128,946,716 Directors: Nicholas A. Brown; Paula Cholmondeley; Beverly Cole; Robert C. East; Kathleen M. Franklin; Catherine B. Freedberg; Jeffrey Gearhart; George G. Gleason, II; Peter C. Kenny; Bill Koefoed; Walter J. Mullen; Christopher Orndorff; Robert Proost; John B. Reynolds; Steven Sadoff; Ross M. Whipple Branches in Town: 10 Other Branches: Adairsville[GA], Advance[NC], Allen[TX], Alma, Altus, Apollo Beach[FL], Arkadelphia (2), Asheboro[NC], Atlanta[GA] (2), Auburn[GA], Austin[TX], Bainbridge[GA] (2), Bella Vista (2), Belleair Bluffs[FL], Belmont[NC], Benton (3), Bentonville (2), Bessemer City[NC], Blairsville[GA], Blue Ridge[GA], Bluffton[SC], Bogart[GA], Boiling Springs[NC], Bonita Springs[FL], Bradenton[FL] (6), Braselton[GA], Bremen[GA], Brunswick[GA], Bryant, Buchanan[GA], Buford[GA], Cabot (2), Cairo[GA], Calhoun[GA], Canton[GA], Cape Coral[FL] (2), Carrollton[GA] (2), Carrollton[TX], Cartersville[GA] (2), Cedar Park[TX], Charlotte[NC], Chatsworth[GA], Clarksville (2), Clearwater[FL] (3), Clinton, Columbus[GA], Concord[NC], Conway (4), Conyers[GA], Coral Gables[FL], Cornelia[GA], Cornelius[NC], Cumming[GA] (3), Dahlonega[GA], Dallas[GA], Dallas[TX], Dalton[GA], Dawsonville[GA], Doral[FL], Douglasville[GA] (2), East Ellijay[GA], Ellijay[GA], Fayetteville (3), Forest City[NC], Fort Lauderdale[FL], Fort Myers[FL] (3), Fort Smith (3), Fort Worth[TX], Franklin[GA], Frisco[TX] (2), Gastonia[NC], Geneva[AL], Grayson[GA], Greensboro[GA], Harrisburg[NC], Harrison (3), Hilton Head Island[SC], Hope (2), Hot Springs (6), Hot Springs Village, Houston[TX] (4), Jacksonville[FL], Jasper, Jefferson[GA], Keller[TX], Kings Mountain[NC], Lake Park[GA], Landis[NC], Lawndale[NC], Lewisville[TX], Lexington[NC], Lincolnton[NC], Lockhart[TX], Loganville[GA], Lonoke, Lonsdale, Macon[GA] (3), Magnolia, Malvern (2), Marble Hill[GA], Marietta[GA], Marshall, Maumelle, McDonough[GA], McKinney[TX], Miami[FL], Miami Beach[FL], Mobile[AL] (2), Mocksville[NC], Mountain Home (2), Mulberry, New York[NY], Newnan[GA], North Little Rock (3), Oakwood[GA], Ocala[FL], Ozark (2), Palmetto[FL], Paris, Pinellas Park[FL], Plano[TX], Port Charlotte[FL] (2), Punta Gorda[FL], Riverview[FL], Rogers (3), Rome[GA], Roswell[GA], Russellville (3), San Antonio[TX], Sarasota[FL], Savannah[GA], Senoia[GA], Sharpsburg[GA], Shelby[NC] (5), Sherwood, Siloam Springs, Snellville[GA], South Pasadena[FL], Southlake[TX], Springdale (2), St. Petersburg[FL] (3), St. Simons Island[GA], Statham[GA], Tallapoosa[GA], Tampa[FL] (5), Texarkana, Texarkana[TX] (2), The Colony[TX], Valdosta[GA] (3), Van Buren (2), Villa Rica[GA], Watkinsville[GA], Western Grove, Wilmington[NC], Winder[GA] (2), WinstonSalem[NC], Woodstock[GA], Yellville, Zephyrhills[FL] 56 Arkansas State Bank Department 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: R. Steve Roberson Reg Pres : David Bordovsky CEO: Wade Ruckle VP/Cash: Brandy Thiele Cash and Due from:.................................... 11,604 Federal Funds and Repos: ........................... 3,139 Investments: ............................................... 43,412 Net Loans: ................................................ 155,310 Premises and Fixed Assets:.......................... 2,322 Other Real Estate: ........................................... 856 Other Assets: ................................................ 4,820 Total Assets: ............................................. 221,463 Total Trust Assets: ............................................... 0 Deposits: .................................................. 178,212 Federal Funds and Borrowings: .................. 18,048 Other Liabilities: ............................................... 861 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 197,121 Total Equity Capital: .................................... 24,342 Total Liabilities and Capital: ...................... 221,463 Number of Shares Outstanding: ................ 160,000 Directors: David Bordovsky; James R. Burks; Steven Collier; David Dowd; John Reese; R. Steve Roberson; Wade Ruckle; Bruce Schratz, Jr.; Patricia Weed Branches in Town: One Other Branches: Bentonville Eagle Bank & Trust Company Little Rock, AR VOICE: (501) 223-2000 FAX: (501) 223-0373 Trust Powers: Yes Chm: Cathy H. Owen CEO/Pres: Jeff Lynch 650 South Shackleford, Suite 150 Charter Number: 735 72211 Date: May 27, 1977 FDIC Certificate Number: 3873 Home Page: www.eaglebank.com Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR EVP: Paul Castleberry Mtg CEO: Bill Edwards Cash and Due from:.................................... 10,052 Federal Funds and Repos: ........................... 6,105 Investments: ............................................. 144,126 Net Loans: ................................................ 240,302 Premises and Fixed Assets:.......................... 9,962 Other Real Estate: ........................................ 2,021 Other Assets: .............................................. 14,053 Total Assets: ............................................. 426,621 Total Trust Assets: ............................................... 0 Deposits: .................................................. 310,092 Federal Funds and Borrowings: .................. 62,220 Other Liabilities: ............................................ 1,749 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 374,061 Total Equity Capital: .................................... 52,560 Total Liabilities and Capital: ...................... 426,621 Number of Shares Outstanding: .................. 17,656 Directors: Andrew H. Hastings; H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Bill G. Lynch; Jeff Lynch; Cathy H. Owen Branches in Town: None Other Branches: Drasco, Fairfield Bay, Gravel Ridge, Greers Ferry, Heber Springs (2), North Little Rock, Quitman, Rose Bud, Sherwood (2), Vilonia One Hundred and Fifth Report 57 Encore 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.bankencore.com Member of Federal Reserve System Bank Holding Company Capital Bancshares, Inc., Little Rock, AR Chm/CEO: Chris Roberts SVP: Heather Drew Cash and Due from: .........................................885 Federal Funds and Repos: .......................... 18,100 Investments: ................................................ 56,881 Net Loans:................................................. 109,041 Premises and Fixed Assets: ..........................3,618 Other Real Estate: ............................................... 0 Other Assets: ................................................ 8,427 Total Assets: ............................................. 196,952 Total Trust Assets: .............................................. 0 Deposits: ...................................................121,768 Federal Funds and Borrowings: ...................43,858 Other Liabilities:............................................... 585 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 166,211 Total Equity Capital: ....................................30,741 Total Liabilities and Capital: .......................196,952 Number of Shares Outstanding: ..................32,013 Directors: Burt Hicks; Phillip Jett; Joseph W. Park; Chris Roberts; Boyd Rothwell; Warren Stephenson Branches in Town: One Other Branches: None First State Bank Lonoke, AR VOICE: (501) 676-3106 FAX: (501) 676-5046 Trust Powers: No 101 South Center Street 72086-0320 Charter Number: 670 Date: March 9, 1935 FDIC Certificate Number: 15050 Home Page: www.firststatebk.com Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Chm: Neil Bennett, Jr. CFO: Melissa Halpain CEO/Pres: Kevin F. "Kip" Norton Sec: Karen K. Hardke Cash and Due from: .................................... 18,878 Federal Funds and Repos: .................................. 0 Investments: ................................................ 90,597 Net Loans:................................................. 126,600 Premises and Fixed Assets: ..........................6,653 Other Real Estate: .........................................3,161 Other Assets: ................................................3,956 Total Assets: ............................................. 249,845 Total Trust Assets: .............................................. 0 Deposits: ...................................................222,341 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 515 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 222,856 Total Equity Capital: ....................................26,989 Total Liabilities and Capital: .......................249,845 Number of Shares Outstanding: ..................16,000 Directors: Alan Barksdale; Neil Bennett, Jr.; William Fletcher, Jr.; J. Walls McCrary; Daina B. Newcomb; Kevin F. "Kip" Norton; Wade Ruckle; Marvin D. Thaxton, Jr. Branches in Town: One Other Branches: Carlisle, Fayetteville, Gurdon, Heber Springs Arkansas State Bank Department 58 Farmers Bank and Trust Company Magnolia, AR VOICE: (870) 235-7000 FAX: (870) 235-7008 Trust Powers: Yes 200 East Main Street 71753 Charter Number: 217 Date: September 26, 1906 FDIC Certificate Number: 1291 Home Page: www.myfarmers.bank Member of Federal Reserve System Bank Holding Company Magnolia Banking Corporation, Magnolia, AR Chm: Bob L. Burns CFO: Drew Chandler CEO/Pres: Chris Gosnell CLO: Dave White Cash and Due from:.................................... 61,148 Federal Funds and Repos: .................................. 0 Investments: ............................................. 228,956 Net Loans: ............................................. 1,240,225 Premises and Fixed Assets:........................ 24,464 Other Real Estate: ........................................... 770 Other Assets: .............................................. 65,672 Total Assets: .......................................... 1,621,235 Total Trust Assets: .................................... 166,915 Deposits: ............................................... 1,393,223 Federal Funds and Borrowings: .................. 50,984 Other Liabilities: .......................................... 15,809 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,460,016 Total Equity Capital: .................................. 161,219 Total Liabilities and Capital: ................... 1,621,235 Number of Shares Outstanding: ................ 100,000 Directors: John E. Alexander, Jr.; Mike Boyd; Bob L. Burns; Dr. Jason Franks; Chris Gosnell; Bruce D. Maloch; T. E. Smith Branches in Town: Two Other Branches: Benton, Blevins, Camden (4), Hope (3), Lewisville, Malvern (2), New Boston[TX], Prosper[TX], Taylor, Texarkana (2), Texarkana[TX] (2) The Peoples Bank Magnolia, AR VOICE: (870) 234-5777 FAX: (870) 234-3384 Trust Powers: Yes 500 North Jackson 71753-0340 Charter Number: 313 Date: June 22, 1910 FDIC Certificate Number: 12531 Home Page: www.pbmag.com Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm: S. Clark Fincher Pres/CLO: Jamie Waller CEO: Mary L. Fowler CFO: Jonathan Baird Cash and Due from:.................................... 21,417 Federal Funds and Repos: ........................... 1,050 Investments: ............................................... 20,754 Net Loans: ................................................ 146,494 Premises and Fixed Assets:.......................... 4,360 Other Real Estate: ........................................... 362 Other Assets: ................................................ 7,082 Total Assets: ............................................. 201,519 Total Trust Assets: ............................................... 0 Deposits: .................................................. 137,245 Federal Funds and Borrowings: .................. 42,603 Other Liabilities: ............................................... 610 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 180,458 Total Equity Capital: .................................... 21,061 Total Liabilities and Capital: ...................... 201,519 Number of Shares Outstanding: .................. 10,000 Directors: Brian Baird; Jonathan Baird; Clark Fincher; Dorothy J. Fincher; Mary L. Fowler; Betty Harris; Jill McClinton; Molly Mitchell; J. David Scott; Laura Scott; Jamie Waller Branches in Town: One Other Branches: Waldo One Hundred and Fifth Report 59 Premier Bank of Arkansas Marion, AR VOICE: (870) 739-7300 FAX: (870) 739-2234 Trust Powers: Yes Chm: Michael D. East 205 Block Street 72364-0747 Charter Number: 775 Date: October 8, 1998 FDIC Certificate Number: 34887 Home Page: www.premierbankar.com Member of Federal Reserve System Bank Holding Company FCB Financial Services, Inc., Marion, AR CEO/Pres: Donny Underwood Cash and Due from: ...................................... 8,659 Federal Funds and Repos: .................................. 0 Investments: ................................................ 19,285 Net Loans:................................................. 122,746 Premises and Fixed Assets: ..........................2,142 Other Real Estate: ............................................581 Other Assets: ................................................ 3,986 Total Assets: ............................................. 157,399 Total Trust Assets: .............................................. 0 Deposits: ...................................................124,432 Federal Funds and Borrowings: .....................8,510 Other Liabilities:.............................................1,276 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 134,218 Total Equity Capital: ....................................23,181 Total Liabilities and Capital: .......................157,399 Number of Shares Outstanding: ..................60,000 Directors: Brett Crowson; Michael D. East; Frank A. Fogleman; 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 214 Hester Parker Drive 72365-0635 Charter Number: 704 Date: October 31, 1951 FDIC Certificate Number: 17047 Home Page: www.firstdeltabank.com Member of Federal Reserve System Bank Holding Company Tyronza Bancshares, Inc., Marked Tree, AR Chm: Charles A. Banks CEO/Pres: Chris M. Lehman Cash and Due from: ...................................... 1,971 Federal Funds and Repos: ...............................825 Investments: ................................................ 36,640 Net Loans:................................................... 17,190 Premises and Fixed Assets: .............................409 Other Real Estate: ............................................121 Other Assets: ................................................1,224 Total Assets: ............................................... 58,380 Total Trust Assets: .............................................. 0 Deposits: .....................................................51,526 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 148 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................51,674 Total Equity Capital: ......................................6,706 Total Liabilities and Capital: .........................58,380 Number of Shares Outstanding: ....................2,000 Directors: Charles A. Banks; Chris M. Lehman; Warren E. Luter; Herrick F. Norcross, III Branches in Town: None Other Branches: Trumann, Tyronza 60 Arkansas State Bank Department First NaturalState Bank McGehee, AR VOICE: (870) 222-3880 FAX: (870) 222-4853 Trust Powers: Yes 500 North Second 71654 Charter Number: 798 Date: January 21, 2016 FDIC Certificate Number: 21379 Home Page: www.fnbmcgehee.com Member of Federal Reserve System Bank Holding Company First National Financial Corporation, McGehee, AR CEO/Pres: Jim R. Daniels SVP: Fran Childress EVP/CFO: Wendy Barnes VP: Jacob Box Cash and Due from:...................................... 3,788 Federal Funds and Repos: ........................... 1,375 Investments: ............................................... 13,787 Net Loans: .................................................. 38,494 Premises and Fixed Assets:............................. 706 Other Real Estate: ............................................... 0 Other Assets: ................................................... 922 Total Assets: ............................................... 59,072 Total Trust Assets: ............................................. 40 Deposits: .................................................... 52,627 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 47 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 52,674 Total Equity Capital: ...................................... 6,398 Total Liabilities and Capital: ........................ 59,072 Number of Shares Outstanding: .................. 68,000 Directors: Jim R. Daniels; Gibbs B. Ferguson; Dewey E. Johnson; Robert E. Lucky, Sr.; Robert Smith Moore, Jr.; Charles A. Pambianchi Branches in Town: One Other Branches: Dumas 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 CEO/Pres: James M. Smith SVP: Clarissa Herren VChm/COO: John H. Potter, Jr. VP/TO: Jim S. Youngblood Cash and Due from:...................................... 4,388 Federal Funds and Repos: .................................. 0 Investments: ............................................... 21,997 Net Loans: .................................................. 93,505 Premises and Fixed Assets:............................. 499 Other Real Estate: ............................................... 0 Other Assets: ................................................ 5,518 Total Assets: ............................................. 125,907 Total Trust Assets: .................................... 108,405 Deposits: .................................................. 104,717 Federal Funds and Borrowings: .................... 3,000 Other Liabilities: ............................................... 398 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 108,115 Total Equity Capital: .................................... 17,792 Total Liabilities and Capital: ...................... 125,907 Number of Shares Outstanding: .................. 80,000 Directors: Lee Bowman; William W. Bowman; David S. Leech; Jeff Owyoung; John H. Potter, Jr.; James M. Smith Branches in Town: One Other Branches: Arkansas City, Watson One Hundred and Fifth Report 61 The Union Bank of Mena Mena, AR VOICE: (479) 394-2211 FAX: (479) 394-8901 Trust Powers: No 303 Hwy. 71 North 71953-0898 Charter Number: 667 Date: July 25, 1934 FDIC Certificate Number: 14597 Home Page: www.unionbankofmena.com Member of Federal Reserve System Bank Holding Company Union Bankshares, Inc., Mena, AR Chm: David Maddox EVP/CFO: Michael Myers CEO/Pres: Philip B. Hensley Cash and Due from: .................................... 18,998 Federal Funds and Repos: .................................. 0 Investments: ................................................ 64,955 Net Loans:................................................. 173,512 Premises and Fixed Assets: ..........................3,740 Other Real Estate: ............................................532 Other Assets: ................................................ 5,155 Total Assets: ............................................. 266,892 Total Trust Assets: .............................................. 0 Deposits: ...................................................235,205 Federal Funds and Borrowings: ......................... 23 Other Liabilities:.............................................3,818 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 239,046 Total Equity Capital: ....................................27,846 Total Liabilities and Capital: .......................266,892 Number of Shares Outstanding: ..................12,000 Directors: John A. Crawford; Philip B. Hensley; David Maddox; John Maddox; Jeff Montgomery; Michael Myers; P. T. Plunkett; Phillip Stevenson 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 Member of Federal Reserve System Bank Holding Company Drew Bancshares, Inc., Monticello, AR Chm/CEO: Bennie Ryburn, III SVP: Michael Efird Pres/CFO/COO: George T. Harris SVP/TO: Rusty Smith Cash and Due from: ...................................... 2,784 Federal Funds and Repos: ............................1,675 Investments: ................................................ 73,962 Net Loans:................................................. 121,991 Premises and Fixed Assets: ..........................1,562 Other Real Estate: ............................................679 Other Assets: ................................................ 6,910 Total Assets: ............................................. 209,563 Total Trust Assets: ...................................... 15,905 Deposits: ...................................................177,262 Federal Funds and Borrowings: ...................11,030 Other Liabilities:............................................... 334 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 188,626 Total Equity Capital: ....................................20,937 Total Liabilities and Capital: .......................209,563 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; Ray Ryburn; Mike Ward Branches in Town: Four Other Branches: None 62 Arkansas State Bank Department Union Bank And Trust Company Monticello, AR VOICE: (870) 460-6400 FAX: (870) 460-6464 Trust Powers: Yes 102 West McCloy 71657-0270 Charter Number: 448 Date: September 15, 1915 FDIC Certificate Number: 1753 Home Page: www.unionbnk.com Bank Holding Company First Union Financial Corporation, Monticello, AR Chm Emer: Zach McClendon, Jr. CEO/Pres: Dave Dickson Chm: John S. McClendon TO: Gail Hooker Cash and Due from:...................................... 6,183 Federal Funds and Repos: .................................. 0 Investments: ............................................... 35,151 Net Loans: ................................................ 160,370 Premises and Fixed Assets:.......................... 3,899 Other Real Estate: ............................................... 6 Other Assets: ................................................ 8,476 Total Assets: ............................................. 214,085 Total Trust Assets: ...................................... 30,001 Deposits: .................................................. 178,609 Federal Funds and Borrowings: .................. 11,753 Other Liabilities: ............................................ 1,653 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 192,015 Total Equity Capital: .................................... 22,070 Total Liabilities and Capital: ...................... 214,085 Number of Shares Outstanding: .................. 80,000 Directors: Mike Akin; Whit Barton; Charles F. Dearman, Jr.; Dave Dickson; Tommy V. Maxwell; John S. McClendon; Robin McClendon; Zach McClendon, Jr.; Thomas M. Smith Branches in Town: Two Other Branches: Warren Petit Jean State Bank Morrilton, AR VOICE: (501) 354-4988 FAX: (501) 354-6560 Trust Powers: No 707 North Saint Joseph Street Charter Number: 777 72110 Date: January 27, 1999 FDIC Certificate Number: 35084 Home Page: www.pjsb.com Member of Federal Reserve System Bank Holding Company Petit Jean Bancshares, Inc., Morrilton, AR Chm/Pres: Charles S. Penick EVP: Suzanne Hartman EVP: Susan Gunderman Cash and Due from:.................................... 19,730 Federal Funds and Repos: .................................. 0 Investments: ............................................... 65,774 Net Loans: .................................................. 90,926 Premises and Fixed Assets:.......................... 2,219 Other Real Estate: ............................................. 51 Other Assets: ................................................ 7,346 Total Assets: ............................................. 186,046 Total Trust Assets: ............................................... 0 Deposits: .................................................. 153,259 Federal Funds and Borrowings: .................... 4,482 Other Liabilities: ............................................ 1,347 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 159,088 Total Equity Capital: .................................... 26,958 Total Liabilities and Capital: ...................... 186,046 Number of Shares Outstanding: .................. 50,000 Directors: Hall M. Calhoun, III; Katherine Foust; Todd Haynes; Michael D. Koone; Otto Lienhart, II; John Maus, III; Charles S. Penick; Stanton C. Willis Branches in Town: One Other Branches: None One Hundred and Fifth Report 63 Stone Bank Mountain View, AR VOICE: (833) 253-2265 FAX: (870) 269-7312 Trust Powers: Yes 802 East Main Street 72560 Charter Number: 797 Date: August 4, 2015 FDIC Certificate Number: 17431 Home Page: www.stonebank.com Bank Holding Company Stone Bancshares, Inc., Mountain View, AR CEO: Marnie B. Oldner EVP: Bruce Upton Pres/CLO: Nick Roach CFO: Steve Ragland Cash and Due from: ...................................... 5,343 Federal Funds and Repos: .................................20 Investments: ................................................ 35,610 Net Loans:................................................. 312,466 Premises and Fixed Assets: ........................ 14,238 Other Real Estate: .........................................6,183 Other Assets: .............................................. 23,674 Total Assets: ............................................. 397,534 Total Trust Assets: .............................................. 0 Deposits: ...................................................327,819 Federal Funds and Borrowings: ...................23,000 Other Liabilities:.............................................3,501 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 354,320 Total Equity Capital: ....................................43,214 Total Liabilities and Capital: .......................397,534 Number of Shares Outstanding: ............. 1,089,750 Directors: Buddy Bolin; J. T. Compton; Kevin Compton; Ray Dillon; Roger Helms; Raymond Merrill; Marnie B. Oldner; Nick Roach; Ron Sims; Gladys M. Webb; Fred Williams Branches in Town: None Other Branches: Harrison, Little Rock, White Hall 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 Member of Federal Reserve System Bank Holding Company Bainum Bancorp, Glenwood, AR Chm/CEO/Pres: Tim Bainum EVP: Johnny Gibbs Cash and Due from: .................................... 21,448 Federal Funds and Repos: .................................. 0 Investments: .............................................. 137,018 Net Loans:................................................. 444,641 Premises and Fixed Assets: ........................ 10,439 Other Real Estate: ............................................411 Other Assets: .............................................. 17,720 Total Assets: ............................................. 631,677 Total Trust Assets: .............................................. 0 Deposits: ...................................................543,752 Federal Funds and Borrowings: ...................19,741 Other Liabilities:.............................................2,706 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 566,199 Total Equity Capital: ....................................65,478 Total Liabilities and Capital: .......................631,677 Number of Shares Outstanding: ................172,000 Directors: Tim Bainum; Timothy (Tab) Bainum; Robert Braun; Richard Cox; Robert Evans; Johnny Gibbs; John Hearnsberger; Shauna L. Lucas; Virgilio Martinez; Larry Mitchell; Mike Moore; George E. Steel, Jr. Branches in Town: None Other Branches: Ashdown, DeQueen, Dierks, Glenwood, Hector, Hope, Hot Springs (2), Mena, Mineral Springs, Mount Ida, Nashville (2), Russellville, Texarkana[TX] 64 Arkansas State Bank Department Merchants & Planters Bank Newport, AR VOICE: (870) 523-3601 FAX: (870) 523-3473 Trust Powers: Yes 120 Hazel 72112-0650 Charter Number: 694 Date: March 20, 1946 FDIC Certificate Number: 16464 Home Page: www.mandpbank.com Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/TO: Jim S. Gowen, Sr. SVP/CLO: Randy Cross CEO/Pres: Jim S. Gowen, Jr. SVP/Cash: Leslie Lowery Cash and Due from:.................................... 11,137 Federal Funds and Repos: .................................. 0 Investments: ............................................... 47,760 Net Loans: ................................................ 185,344 Premises and Fixed Assets:........................ 11,406 Other Real Estate: ........................................... 780 Other Assets: .............................................. 12,885 Total Assets: ............................................. 269,312 Total Trust Assets: ...................................... 83,843 Deposits: .................................................. 230,010 Federal Funds and Borrowings: .................... 5,782 Other Liabilities: ............................................ 3,846 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 239,638 Total Equity Capital: .................................... 29,674 Total Liabilities and Capital: ...................... 269,312 Number of Shares Outstanding: .................... 9,000 Directors: R. M. Bledsoe; Terry L. Dillon; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Mary K. Hardin-Stewart; Benjy Harris; Jennifer H. James; Dr. Larry Williams Branches in Town: One Other Branches: Batesville (3), Des Arc, McCrory, Newark, Searcy, Swifton, Tuckerman 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: Cody Knight VP: Jammie Stephens VP: Joyce Benson VP/Cash: Wanda Winberry Cash and Due from:...................................... 3,744 Federal Funds and Repos: .................................. 0 Investments: ............................................... 34,028 Net Loans: .................................................. 43,702 Premises and Fixed Assets:............................. 874 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,506 Total Assets: ............................................... 83,854 Total Trust Assets: ............................................... 0 Deposits: .................................................... 74,715 Federal Funds and Borrowings: ....................... 371 Other Liabilities: ............................................... 160 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 75,246 Total Equity Capital: ...................................... 8,608 Total Liabilities and Capital: ........................ 83,854 Number of Shares Outstanding: .................... 4,000 Directors: Steve Bell; Paula O. Blackwell; Cody Knight; Jim Poole Branches in Town: One Other Branches: Rector One Hundred and Fifth Report 65 Simmons Bank Pine Bluff, AR VOICE: (870) 541-1000 FAX: (870) 850-2685 Trust Powers: Yes 501 Main Street 71601-4327 Charter Number: 799 Date: March 31, 2016 FDIC Certificate Number: 3890 Home Page: www.simmonsbank.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO/Pres: Marty D. Casteel EVP/CBO: Matt Reddin EVP/CAO: Steve Massanelli EVP/CCO: Steve Wade Cash and Due from: .................................. 655,263 Federal Funds and Repos: .................................. 0 Investments: ........................................... 2,238,301 Net Loans:............................................ 13,098,248 Premises and Fixed Assets: ...................... 350,533 Other Real Estate: ....................................... 24,761 Other Assets: ......................................... 1,543,606 Total Assets: ........................................ 17,910,712 Total Trust Assets: ................................. 5,275,638 Deposits: .............................................. 13,621,482 Federal Funds and Borrowings: .............. 1,489,783 Other Liabilities:...........................................95,483 Subordinated Debt: ............................................. 0 Total Liabilities: .................................... 15,206,748 Total Equity Capital: ............................... 2,703,964 Total Liabilities and Capital: .................. 17,910,712 Number of Shares Outstanding: ................700,000 Directors: Jay D. Burchfield; Marty D. Casteel; Dean Chambliss; William E. Clark, II; Steven A. Cossé; Mark C. Doramus; Eddie Drilling; Eugene Hunt; Jerry M. Hunter; Met L. Jones, II; Christopher R. Kirkland; Susan Lanigan; John O. Lytle; W. Scott McGeorge; Johnny McGraw; Beverly Morrow; Tom Purvis; H. Glenn Rambin; Adam B. Robinson, Jr.; Robert L. Shoptaw; Russ Teubner; H. Ford Trotter, III; Mindy West; Ed Woodside Branches in Town: Six Other Branches: Arlington[TX] (2), Athens[TN] (2), Atoka[TN], Austin[TX], Ballwin[MO], Beebe, Benton, Bentonville, Bolivar[TN], Branson[MO], Branson West[MO], Brownsville[TN] (2), Bryant, Burleson[TX], Cabot, Carthage[MO], Charleston, Chesterfield[MO], Chickasha[OK], Clarksville, Clayton[MO], Clinton, Collierville[TN], Columbia[IL], Conway (4), Crane[MO], Crestwood[MO], Dallas[TX] (3), Dermott, Des Peres[MO], Dresden[TN] (2), Dumas, Dyersburg[TN] (3), Edmond[OK] (2), El Dorado (2), El Dorado Springs[MO], Englewood[CO], Ewardsville[IL], Fayetteville (3), Fenton[MO], Florissant[MO], Fort Smith (3), Fort Worth[TX] (6), Franklin[TN] (2), Frontenac[MO], Galena[MO], Gallatin[TN], Godfrey[IL], Goodlettsville[TN], Grand Junction[TN], Grapevine[TX], Greenfield[MO], Greenfield[TN], Hamburg, Hendersonville[TN] (2), Hensley, Highlands Ranch[CO], Hot Springs (3), Humboldt[TN], Hutchinson[KS], Jackson[TN] (4), Jonesboro (3), Joplin[MO] (2), Kenton[TN], Kingston[TN], Knoxville[TN], Lake Village, Lees Summit[MO], Lexington[TN], Lincoln, Little Rock (15), Lockwood[MO], Lone Tree[CO], Madisonville[TN], Mammoth Spring, Mansfield[TX], Marshall, Marshfield[MO], Martin[TN], Maryville[TN], Maumelle, Memphis[TN], Middleton[TN], Monticello, Mount Vernon[MO], Mountain View, Nashville[TN], Nixa[MO], North Little Rock (3), Oak Ridge[TN], Oakville[MO], O'Fallon[IL], O'Fallon[MO], Oklahoma City[OK] (7), Olathe[KS], Ozark, Ozark[MO], Paragould, Parkdale, Reeds Spring[MO], Rogers (2), Russellville (3), Saginaw[TX], Saint Louis[MO] (7), Saint Peters[MO], San Antonio[TX] (2), Searcy (2), Sedalia[MO], Sharon[TN], Siloam Springs, South Fulton[TN], South Hutchinson[KS], Springdale, Springfield[MO] (6), Star City, Stillwater[OK] (5), Stockton[MO], Strong, Sweetwater[TN], Tilden[TX], Troy[TN], Tulsa[OK] (2), Union City[TN], Vonore[TN], Webster Groves[MO], Weiner, Wentzville[MO], White Hall, White House[TN], Wichita[KS] (3), Wildwood[MO] 66 Arkansas State Bank Department RiverBank Pocahontas, AR VOICE: (870) 892-2265 FAX: (870) 892-2264 Trust Powers: Yes CEO/Pres: Kyle Baltz COO: Joyce Radcliff 1700 Old County Road 72455-0397 Charter Number: 796 Date: January 15, 2015 FDIC Certificate Number: 31711 Home Page: www.eriverbank.com Bank Holding Company None Cont: Julie Williams TO: Mark Holt Cash and Due from:...................................... 1,547 Federal Funds and Repos: ........................... 3,075 Investments: ................................................. 6,043 Net Loans: .................................................. 86,620 Premises and Fixed Assets:.......................... 1,492 Other Real Estate: ........................................... 174 Other Assets: ................................................ 3,967 Total Assets: ............................................. 102,918 Total Trust Assets: ........................................ 2,990 Deposits: .................................................... 85,131 Federal Funds and Borrowings: .................... 6,622 Other Liabilities: ............................................... 583 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 92,336 Total Equity Capital: .................................... 10,582 Total Liabilities and Capital: ...................... 102,918 Number of Shares Outstanding: .................. 11,255 Directors: Jeremy Baltz; Kyle Baltz; Gary Cochran; Terry Davis; James Edington; Joyce Radcliff; Chad Watson Branches in Town: None Other Branches: Corning 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: John Stacks EVP: Nick B. Harness Pres: Bruce Dawson Cash and Due from:...................................... 1,525 Federal Funds and Repos: ........................... 6,275 Investments: ................................................. 2,370 Net Loans: .................................................. 58,046 Premises and Fixed Assets:.......................... 3,122 Other Real Estate: ........................................... 407 Other Assets: ................................................ 1,079 Total Assets: ............................................... 72,824 Total Trust Assets: ............................................... 0 Deposits: .................................................... 64,869 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 321 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 65,190 Total Equity Capital: ...................................... 7,634 Total Liabilities and Capital: ........................ 72,824 Number of Shares Outstanding: .................... 4,000 Directors: Lephiew Dennington; Roy Montgomery; John Stacks; Ryan Stacks Branches in Town: None Other Branches: Damascus, Greenbrier, Little Rock, Marshall One Hundred and Fifth Report 67 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/CEO/Pres: John W. Brannan, Jr. Treas/Sec: Karen McLelland EVP: Gary McCauley Cash and Due from: ...................................... 6,795 Federal Funds and Repos: .................................. 0 Investments: ................................................ 20,208 Net Loans:................................................... 36,273 Premises and Fixed Assets: .............................347 Other Real Estate: ............................................... 0 Other Assets: ................................................ 3,380 Total Assets: ............................................... 67,003 Total Trust Assets: .............................................. 0 Deposits: .....................................................56,515 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 336 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................56,851 Total Equity Capital: ....................................10,152 Total Liabilities and Capital: .........................67,003 Number of Shares Outstanding: ..................24,000 Directors: John W. Brannan, Jr.; W. Herman Brown; Carl Dalrymple, Jr.; Jason Gutierrez; Billy R. Hines; Gary McCauley; Larry Rhodes; Robert C. Smith Branches in Town: None Other Branches: None Gateway Bank Rison, AR VOICE: (870) 325-6251 FAX: (870) 325-7661 Trust Powers: No Chm: Lewis R. Gardner CEO/Pres: Joe Dunn 112 Main Street 71665 Charter Number: 650 Date: March 7, 1932 FDIC Certificate Number: 8730 Home Page: www.gatewaybank.bank Bank Holding Company Sigma Holdings, Inc., Rison, AR VP: Amber Offutt Cash and Due from: ...................................... 5,159 Federal Funds and Repos: ............................2,700 Investments: ..................................................4,552 Net Loans:................................................... 62,074 Premises and Fixed Assets: ..........................1,640 Other Real Estate: ............................................190 Other Assets: ...................................................875 Total Assets: ............................................... 77,190 Total Trust Assets: .............................................. 0 Deposits: .....................................................64,832 Federal Funds and Borrowings: .....................3,655 Other Liabilities:............................................... 155 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................68,642 Total Equity Capital: ......................................8,548 Total Liabilities and Capital: .........................77,190 Number of Shares Outstanding: ....................4,000 Directors: Joe Dunn; Lewis R. Gardner; Ryan Holder; James W. Searcy Branches in Town: None Other Branches: Bryant 68 Arkansas State Bank Department Generations Bank Rogers, AR VOICE: (479) 986-3990 FAX: (479) 986-3999 Trust Powers: No 3710 Southern Hills Blvd, Suite 100 72758 Charter Number: 220 Date: October 26, 1906 FDIC Certificate Number: 88 Home Page: www.mygenerations.bank Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm: Jonathan W. Harrell COO: Sandy Ferguson CEO/Pres: Phillip J. Foster Cash and Due from:.................................... 32,067 Federal Funds and Repos: .................................. 0 Investments: ............................................... 63,925 Net Loans: ................................................ 415,021 Premises and Fixed Assets:........................ 10,322 Other Real Estate: ............................................... 0 Other Assets: .............................................. 13,619 Total Assets: ............................................. 534,954 Total Trust Assets: ............................................... 0 Deposits: .................................................. 432,754 Federal Funds and Borrowings: .................. 49,191 Other Liabilities: ............................................ 3,340 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 485,285 Total Equity Capital: .................................... 49,669 Total Liabilities and Capital: ...................... 534,954 Number of Shares Outstanding: .................... 4,000 Directors: Dan H. Byars; Paul Church; Gene Dereuisseaux; Sandra Ferguson; Phillip J. Foster; Ben Harrell; Carl Harrell; Jonathan W. Harrell; Paul E. Lindsey; James M. Morgan; William B. Morrison; Richard H. Mosley; John David Neeley; Richard L. Smith; William Titus Branches in Town: One Other Branches: Camden (3), Fayetteville, Hampton, Junction City, Siloam Springs, Van Buren 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 Member of Federal Reserve System Bank Holding Company First State Banking Corporation, Russellville, AR Chm/CEO: Charles Blanchard EVP/CLO: Barton Allen Pres/COO: Charles B. “Chip” Blanchard EVP/Sec: Toni B. Laws Cash and Due from:.................................... 26,932 Federal Funds and Repos: .................................. 0 Investments: ............................................... 27,923 Net Loans: ................................................ 217,140 Premises and Fixed Assets:.......................... 6,477 Other Real Estate: ............................................... 0 Other Assets: .............................................. 11,146 Total Assets: ............................................. 289,618 Total Trust Assets: ............................................... 0 Deposits: .................................................. 249,466 Federal Funds and Borrowings: .................... 6,901 Other Liabilities: ............................................... 857 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 257,224 Total Equity Capital: .................................... 32,394 Total Liabilities and Capital: ...................... 289,618 Number of Shares Outstanding: .................. 20,000 Directors: Patty Barker; James C. Biggers; Charles Blanchard; Charles B. "Chip" Blanchard; Terry Freeman; Max L. Mathis, III; Mike W. Miller; Johnny K. Morgan; C. Tim White; Phil Wright Branches in Town: Four Other Branches: Ola One Hundred and Fifth Report 69 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 SVP: Mike Falco Cash and Due from: .................................... 13,463 Federal Funds and Repos: ............................7,383 Investments: ..................................................3,047 Net Loans:................................................. 106,819 Premises and Fixed Assets: ..........................1,494 Other Real Estate: ............................................279 Other Assets: ................................................ 7,107 Total Assets: ............................................. 139,592 Total Trust Assets: .............................................. 0 Deposits: ...................................................122,165 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 568 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 122,733 Total Equity Capital: ....................................16,859 Total Liabilities and Capital: .......................139,592 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 Logan County Bank Scranton, AR VOICE: (479) 938-2511 FAX: (479) 938-7084 Trust Powers: No 600 Main Street 72863-0085 Charter Number: 578 Date: April 7, 1926 FDIC Certificate Number: 5632 Home Page: www.logancountybank.net Bank Holding Company None CEO/Pres: Gary Fritsche VP: Adam Fritsche SVP: Jerry L. Davis Cash and Due from: ...................................... 1,853 Federal Funds and Repos: ...............................650 Investments: ................................................ 46,623 Net Loans:................................................... 32,720 Premises and Fixed Assets: .............................386 Other Real Estate: ............................................... 0 Other Assets: ...................................................804 Total Assets: ............................................... 83,036 Total Trust Assets: .............................................. 0 Deposits: .....................................................66,261 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 68 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................66,329 Total Equity Capital: ....................................16,707 Total Liabilities and Capital: .........................83,036 Number of Shares Outstanding: ....................4,000 Directors: Eddie Ahne; Don Fritsche; Gary Fritsche; Ronnie Layes Branches in Town: One Other Branches: Subiaco 70 Arkansas State Bank Department First Security Bank Searcy, AR VOICE: (501) 279-3400 FAX: (501) 279-3486 Trust Powers: Yes 314 North Spring 72143 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:.................................. 364,917 Federal Funds and Repos: ......................... 25,325 Investments: .......................................... 2,391,994 Net Loans: ............................................. 2,521,068 Premises and Fixed Assets:...................... 121,297 Other Real Estate: ........................................ 2,960 Other Assets: .............................................. 85,435 Total Assets: .......................................... 5,512,996 Total Trust Assets: ................................. 1,749,831 Deposits: ............................................... 4,126,448 Federal Funds and Borrowings: ................ 270,847 Other Liabilities: ............................................ 5,238 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 4,402,533 Total Equity Capital: ............................... 1,110,463 Total Liabilities and Capital: ................... 5,512,996 Number of Shares Outstanding: .................. 24,000 Directors: Dr. David Burks; J. Mark Ferguson; Michael C. Hutsell; Steve Lightle; John McKnight; Wayne Ridout; Dr. Porter R. Rodgers, Jr.; Adam Rutledge; John Rutledge, Jr.; Nathan Rutledge; Reynie Rutledge; William Scholl; Jim Tarkington; James G. Wilson Branches in Town: Three Other Branches: Beebe (3), Benton (3), Bentonville (2), Bryant (3), Bull Shoals, Cabot (3), Centerton, Clarksville (2), Clinton, Conway (5), Farmington, Fayetteville (5), Fort Smith, Gassville, Greenbrier, Heber Springs (2), Hot Springs (3), Jonesboro (3), Judsonia, Little Rock (8), Lowell, Maumelle, Mayflower, McRae, Mountain Home (4), Mountain View, North Little Rock (3), Pangburn, Rogers (3), Russellville, Sherwood, Springdale (5), Vilonia One Hundred and Fifth Report 71 Peoples Bank Sheridan, AR VOICE: (870) 942-5707 FAX: (870) 942-2489 Trust Powers: No 1120 S. Rock Street 72150 Charter Number: 786 Date: September 11, 2000 FDIC Certificate Number: 57058 Home Page: www.peoplesbankar.com Member of Federal Reserve System Bank Holding Company Peoples Bancorp, Inc., Sheridan, AR CEO/Pres: Craig L. Manatt Cont: Aaron Reed SVP: G. Jannette Jones Cash and Due from: .................................... 20,863 Federal Funds and Repos: .................................. 0 Investments: ................................................ 52,636 Net Loans:................................................... 81,069 Premises and Fixed Assets: ..........................2,159 Other Real Estate: ............................................... 0 Other Assets: ................................................ 4,204 Total Assets: ............................................. 160,931 Total Trust Assets: .............................................. 0 Deposits: ...................................................137,089 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 388 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 137,477 Total Equity Capital: ....................................23,454 Total Liabilities and Capital: .......................160,931 Number of Shares Outstanding: ..................56,562 Directors: Dannie L. Brown; Donald L. Hedden; Gary D. Hines; James W. Lancaster; Craig L. Manatt; John D. Manatt; Shelby L. Taylor; Alvin L. Upton; David L. Wells; Brent Winston Branches in Town: None Other Branches: Little Rock 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 Chm: J. Drew Tennyson VP: Tresa White CEO/Pres: James B. Yeager Cash and Due from: .................................... 11,425 Federal Funds and Repos: ............................5,650 Investments: ................................................ 87,527 Net Loans:................................................... 70,250 Premises and Fixed Assets: ..........................2,086 Other Real Estate: ..............................................26 Other Assets: ................................................ 1,003 Total Assets: ............................................. 177,967 Total Trust Assets: .............................................. 0 Deposits: ...................................................153,280 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 462 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 153,742 Total Equity Capital: ....................................24,225 Total Liabilities and Capital: .......................177,967 Number of Shares Outstanding: ................100,000 Directors: Dr. Richard Davis; Gary deYampert; Charles J. Foot; Charles L. Tennyson; J. Drew Tennyson; James B. Yeager Branches in Town: None Other Branches: El Dorado (2), Norphlet 72 Arkansas State Bank Department 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.riversidebank.com Bank Holding Company Riverside Bancshares, Inc., Little Rock, AR CEO/VChm: Stephen C. Davis Pres: Robert G. Dudley, Jr. Cash and Due from:...................................... 2,457 Federal Funds and Repos: .................................. 0 Investments: ................................................. 1,210 Net Loans: .................................................. 53,213 Premises and Fixed Assets:.......................... 2,157 Other Real Estate: ............................................... 0 Other Assets: ................................................ 2,170 Total Assets: ............................................... 61,207 Total Trust Assets: ............................................... 0 Deposits: .................................................... 49,538 Federal Funds and Borrowings: .................... 6,275 Other Liabilities: ............................................... 116 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 55,929 Total Equity Capital: ...................................... 5,278 Total Liabilities and Capital: ........................ 61,207 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 United Bank Springdale, AR VOICE: (479) 756-8811 FAX: (866) 897-2839 Trust Powers: Yes 2600 South Thompson Street Charter Number: 794 72764-6354 Date: June 11, 2014 FDIC Certificate Number: 32025 Home Page: www.united-bk.com Member of Federal Reserve System Bank Holding Company United Holding Company, Inc., Springdale, AR CEO/Pres: Nathan Gairhan SVP/CLO: Luke Colley SVP/CFO: Paige Mulhollan Cash and Due from:.................................... 29,105 Federal Funds and Repos: .................................. 0 Investments: ................................................. 4,532 Net Loans: ................................................ 149,924 Premises and Fixed Assets:.......................... 8,452 Other Real Estate: ............................................. 13 Other Assets: ................................................ 2,325 Total Assets: ............................................. 194,351 Total Trust Assets: ............................................... 0 Deposits: .................................................. 163,346 Federal Funds and Borrowings: .................... 6,644 Other Liabilities: ............................................ 1,165 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 171,155 Total Equity Capital: .................................... 23,196 Total Liabilities and Capital: ...................... 194,351 Number of Shares Outstanding: ................ 100,000 Directors: John Ervin; Nathan Gairhan; Michele A. Harrington; Nick Hobbs; Darrin Pitts; Don Pitts; John Scott; Craig Young Branches in Town: One Other Branches: Fayetteville, Rogers One Hundred and Fifth Report 73 Bodcaw Bank Stamps, AR VOICE: (870) 533-4486 FAX: (870) 533-4456 Trust Powers: No 307 Thomas Street 71860-0008 Charter Number: 106 Date: December 8, 1902 FDIC Certificate Number: 5624 Home Page: www.bodcawbank.com Bank Holding Company Bodcaw Bancshares, Inc., Stamps, AR CEO/Pres: Korey N. Keith EVP: Jeff White EVP: Gina Gore AVP: Linda Pipkin Cash and Due from: ...................................... 2,998 Federal Funds and Repos: .................................. 0 Investments: ................................................ 31,118 Net Loans:................................................... 71,949 Premises and Fixed Assets: .............................683 Other Real Estate: ..............................................80 Other Assets: ...................................................985 Total Assets: ............................................. 107,813 Total Trust Assets: .............................................. 0 Deposits: .....................................................92,964 Federal Funds and Borrowings: .....................4,275 Other Liabilities:............................................... 291 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................97,530 Total Equity Capital: ....................................10,283 Total Liabilities and Capital: .......................107,813 Number of Shares Outstanding: ..................10,000 Directors: James T. Alford; D. Copie Dickson; Korey N. Keith; W. Steve Keith; Danny K. Smith; John W. Smith, Jr. Branches in Town: None Other Branches: Magnolia Connect Bank 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.connectbank.us Member of Federal Reserve System Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Marion Burge Ryburn Pres: R. Mark Owen Cash and Due from: ...................................... 5,434 Federal Funds and Repos: .................................. 0 Investments: ................................................ 20,806 Net Loans:................................................... 66,657 Premises and Fixed Assets: ..........................3,572 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,465 Total Assets: ............................................... 97,934 Total Trust Assets: .............................................. 0 Deposits: .....................................................80,831 Federal Funds and Borrowings: .....................1,899 Other Liabilities:............................................... 170 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................82,900 Total Equity Capital: ....................................15,034 Total Liabilities and Capital: .........................97,934 Number of Shares Outstanding: ..................15,000 Directors: Keith D. Griffin; R. Mark Owen; Marion Burge Ryburn; Kevin White; Barry Wood Branches in Town: None Other Branches: Dumas, Pine Bluff (2), White Hall Arkansas State Bank Department 74 Security Bank Stephens, AR VOICE: (870) 786-5416 FAX: (870) 786-5419 Trust Powers: No 105 Ruby Street 71764-0007 Charter Number: 692 Date: February 8, 1946 FDIC Certificate Number: 16395 Home Page: www.secbnk.com Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm: Carol Reaves EVP/CFO/COO: Cheryl Brown CEO/Pres: Guy R. "Buck" Smith Cash and Due from:...................................... 4,194 Federal Funds and Repos: .............................. 150 Investments: ................................................. 4,643 Net Loans: .................................................. 55,476 Premises and Fixed Assets:.......................... 1,555 Other Real Estate: ........................................... 803 Other Assets: ................................................ 2,333 Total Assets: ............................................... 69,154 Total Trust Assets: ............................................... 0 Deposits: .................................................... 61,369 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 1,241 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 62,610 Total Equity Capital: ...................................... 6,544 Total Liabilities and Capital: ........................ 69,154 Number of Shares Outstanding: .................. 11,000 Directors: Duncan Grayson; Carol Reaves; Guy R. "Buck" Smith 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: Mickey Pierce VChm: Robert Seidenstricker CEO/Pres: Gary Hudson TO: Carolyn McGraw Cash and Due from:.................................... 46,756 Federal Funds and Repos: ......................... 37,121 Investments: ............................................. 209,526 Net Loans: ............................................. 1,083,610 Premises and Fixed Assets:........................ 35,697 Other Real Estate: ........................................ 2,041 Other Assets: ............................................ 128,562 Total Assets: .......................................... 1,543,313 Total Trust Assets: .................................... 277,994 Deposits: ............................................... 1,216,004 Federal Funds and Borrowings: ................ 109,909 Other Liabilities: ............................................ 9,874 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,335,787 Total Equity Capital: .................................. 207,526 Total Liabilities and Capital: ................... 1,543,313 Number of Shares Outstanding: ................ 100,000 Directors: Gerald Carter; Bradley A. Chambless; Greg Connell; Gary Hudson; Kyle Ludwig; Dr. Chris Morgan; Don Pattillo; Mickey Pierce; Robert H. Pond; Robert Seidenstricker; Ray E. Vester Branches in Town: Four Other Branches: Bentonville, Des Arc, DeWitt, Farmington, Fayetteville (6), Flippin, Gassville, Hazen, Jonesboro, Lakeview, Marianna, Morrilton, Mountain Home (2), Perryville, Pocahontas (2), Prairie Grove, West Fork One Hundred and Fifth Report 75 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: .................................... 10,620 Federal Funds and Repos: .................................. 0 Investments: .............................................. 136,071 Net Loans:................................................. 242,069 Premises and Fixed Assets: ..........................4,501 Other Real Estate: ............................................356 Other Assets: .............................................. 11,320 Total Assets: ............................................. 404,937 Total Trust Assets: ...................................... 16,322 Deposits: ...................................................346,484 Federal Funds and Borrowings: .....................4,849 Other Liabilities:.............................................1,244 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 352,577 Total Equity Capital: ....................................52,360 Total Liabilities and Capital: .......................404,937 Number of Shares Outstanding: ..................16,000 Directors: J. Kevin Bell; Mont S. Echols, Jr.; Morril H. Harriman; D. Keith Hefner; L. Scott McBrayer; Brett D. Peters; Paul D. Shirley; Jeremy S. Simon; William W. Thomas; James G. Williamson, Jr. Branches in Town: Three Other Branches: Alma, Cedarville, Mountainburg First State Bank of Warren Warren, AR VOICE: (870) 226-2601 FAX: (870) 226-2253 Trust Powers: Yes 104 S. Main Street 71671-0029 Charter Number: 739 Date: December 12, 1978 FDIC Certificate Number: 94 Home Page: www.firststatewarren.com Member of Federal Reserve System Bank Holding Company Bradley Bancshares, Inc., Warren, AR Pres: Freddie M. Mobley EVP/TO: Hugh A. Quimby Cash and Due from: ...................................... 7,572 Federal Funds and Repos: .................................. 0 Investments: ................................................ 56,502 Net Loans:................................................... 40,749 Premises and Fixed Assets: ..........................1,069 Other Real Estate: ............................................150 Other Assets: ................................................ 3,451 Total Assets: ............................................. 109,493 Total Trust Assets: ...........................................285 Deposits: .....................................................97,129 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 248 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................97,377 Total Equity Capital: ....................................12,116 Total Liabilities and Capital: .......................109,493 Number of Shares Outstanding: ..................59,000 Directors: Robert Garner; Roger George; Robert Green, Jr.; Freddie M. Mobley; Hugh A. Quimby; Bennie Ryburn, III; Ray Ryburn; Dr. Joe H. Wharton Branches in Town: One Other Branches: Hampton, Hermitage 76 Arkansas State Bank Department 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: John B. Frazer, Jr. Pres: Kelly Ashcraft Cash and Due from:...................................... 4,953 Federal Funds and Repos: ........................... 2,775 Investments: ............................................... 71,327 Net Loans: .................................................. 46,346 Premises and Fixed Assets:............................. 505 Other Real Estate: ............................................. 99 Other Assets: ................................................ 1,195 Total Assets: ............................................. 127,200 Total Trust Assets: ...................................... 21,596 Deposits: .................................................. 100,756 Federal Funds and Borrowings: .................... 3,796 Other Liabilities: ............................................... 159 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 104,711 Total Equity Capital: .................................... 22,489 Total Liabilities and Capital: ...................... 127,200 Number of Shares Outstanding: .................. 48,000 Directors: Kelly Ashcraft; Dr. Donnie R. Bryant; Gerald D. Burton; Carlton E. Davis; John B. Frazer, Jr.; Thomas Frazer; Dr. Rocky K. Lindsey; Jeffrey B. McGaha; Dr. Kerry F. Pennington Branches in Town: Two Other Branches: Hermitage Evolve Bank & Trust West Memphis, AR VOICE: (901) 624-5500 FAX: (901) 624-5540 Trust Powers: Yes 301 Shoppingway Boulevard 72301-1719 Charter Number: 568 Date: June 5, 1925 FDIC Certificate Number: 1299 Home Page: www.getevolved.com Member of Federal Reserve System Bank Holding Company Evolve Bancorp, Inc., West Memphis, AR Chm: B. Scot Lenoir EVP/CFO: Mark Mosteller CEO/Pres: Scott Stafford TO: Andy Cook Cash and Due from:.................................... 48,439 Federal Funds and Repos: .................................. 0 Investments: ............................................... 20,113 Net Loans: ................................................ 407,070 Premises and Fixed Assets:.......................... 6,081 Other Real Estate: ........................................ 1,893 Other Assets: .............................................. 18,827 Total Assets: ............................................. 502,423 Total Trust Assets: ................................. 1,166,789 Deposits: .................................................. 421,764 Federal Funds and Borrowings: .................. 30,000 Other Liabilities: ............................................ 7,818 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 459,582 Total Equity Capital: .................................... 42,841 Total Liabilities and Capital: ...................... 502,423 Number of Shares Outstanding: .................... 4,000 Directors: Alvinor Bright, Jr.; Donald Clanton; Lewis Holland; Forest N. Jenkins; B. Scot Lenoir; Lon Magness; John T. Pitts, Jr.; Scott Stafford; Stephen Valentine Branches in Town: None Other Branches: Memphis[TN], Parkin, Wynne One Hundred and Fifth Report 77 Fidelity Bank West Memphis, AR VOICE: (870) 735-8700 FAX: (870) 735-0065 Trust Powers: Yes 330 West Broadway Street 72301-2288 Charter Number: 804 Date: June 27, 2019 FDIC Certificate Number: 19644 Home Page: www.fidelitybanker.com Member of Federal Reserve System Bank Holding Company Carlson Bancshares, Inc., West Memphis, AR CEO/Pres: Charles E. Horton EVP/CFO: Marlene D. Keenan EVP: Cathy O. Horton Cash and Due from: ...................................... 6,670 Federal Funds and Repos: ...............................390 Investments: .............................................. 158,329 Net Loans:................................................. 201,802 Premises and Fixed Assets: ..........................3,406 Other Real Estate: ............................................... 0 Other Assets: ................................................ 8,171 Total Assets: ............................................. 378,768 Total Trust Assets: .............................................. 0 Deposits: ...................................................328,666 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 999 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 329,665 Total Equity Capital: ....................................49,103 Total Liabilities and Capital: .......................378,768 Number of Shares Outstanding: ..................20,000 Directors: Jack D. Avery; Michael A. Carlson; Ralph C. Carlson; William A. Carlson; Glen F. Fenter; Edgar S. "Scott" Ferguson, MD; Charles E. Horton; Trent P. Pierce, MD; James R. "Jim" Pugh, III; Noah S. "Ness" Sechrest; John R. "Robert" Walker, III Branches in Town: One Other Branches: Marion (2) 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 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: King Casbeer Cash and Due from: .................................... 14,616 Federal Funds and Repos: .................................. 0 Investments: ................................................ 10,330 Net Loans:................................................. 220,769 Premises and Fixed Assets: ..........................7,884 Other Real Estate: .........................................1,152 Other Assets: ................................................ 6,081 Total Assets: ............................................. 260,832 Total Trust Assets: ...................................... 11,572 Deposits: ...................................................211,265 Federal Funds and Borrowings: ...................16,916 Other Liabilities:............................................... 572 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 228,753 Total Equity Capital: ....................................32,079 Total Liabilities and Capital: .......................260,832 Number of Shares Outstanding: ....................4,000 Directors: Dr. Willard G. Burks; Ronald R. Caldwell; Guy E. Fisher; Pete L. Imboden, III; Kenneth L. Johnson, Jr.; R. Vance Lawson; Thomas W. Morgan, Jr.; Roger E. Pohlner; Donald L. Reddmann; R. Joe Rennicke Branches in Town: One Other Branches: Blytheville, Brinkley, Cherry Valley, Hickory Ridge, Jonesboro, Manila, Osceola REPORT OF THE STATE CHARTERED NON-PROFIT ORGANIZATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2019 80 Arkansas State Bank Department Arkansas Capital Corporation Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Trust Powers: No Chm: Kevin Burns CEO: Rush B. Deacon 200 River Market Avenue, Suite 400 72201-1766 Charter Number: 2000 Date: May 2, 2017 County: Pulaski Home Page: www.arcapital.com Bank Holding Company None Pres/COO: Sam Walls, III Cash and Due from:...................................... 1,656 Federal Funds and Repos: .................................. 0 Investments: ............................................... 12,402 Net Loans: .................................................. 19,691 Premises and Fixed Assets:............................. 620 Other Real Estate: ............................................... 0 Other Assets: ................................................ 2,056 Total Assets: ............................................... 36,425 Total Trust Assets: ............................................... 0 Deposits: ............................................................. 0 Federal Funds and Borrowings: .................. 19,192 Other Liabilities: ............................................... 403 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 19,595 Total Equity Capital: .................................... 16,830 Total Liabilities and Capital: ........................ 36,425 Number of Shares Outstanding: .................... 1,027 Directors: Jeff Amerine; Kevin Burns; Charles Cervantes; Dennis Cooper; Rush Deacon; Russell Guerra; Karen Marine; Virgil L. Miller, Jr.; Martha Moore; Caroll Penick; Bryan Scoggins; Frank D. Scott, Jr.; David H. Shindler; William T. Staed; Boon W. Tan Branches in Town: None Other Branches: None REPORT OF THE STATE CHARTERED TRUST COMPANY (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2019 Arkansas State Bank Department 82 Community First Trust Company Hot Springs, AR VOICE: (501) 520-3660 FAX: (501) 520-3667 135 Section Line Road, C-1 71913 Charter Number: 35001 Date: June 17, 1998 County: Garland Home Page: www.communityfirsttrust.com Pres/CEO: William L. Kerst, Jr. CFO: Leslie A. Ballentine Directors: Charlotte Arnold, CPA; Robert J. Bruce; Mark Buhrow; Gerald A. Burgener; David French; William L. Kerst, Jr.; C. Tim White 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, 2019 Arkansas State Bank Department 84 Perry County Industrial Development Corporation Perryville, AR VOICE: (501) 889-2621 FAX: (501) 889-2966 Pres: Mark Roland VP: Donald C. Crain P. O. Box 869 72126-0869 Charter Number: 30003 Date: August 18, 1994 County: Perry Treas: John C. Branscum ALL COMMERCIAL BANKS HEADQUARTERED IN ARKANSAS, LISTED BY COUNTY AND A MAP IDENTIFYING ALL OF THE STATE’S 75 COUNTIES JUNE 30, 2019 Arkansas State Bank Department 86 COUNTY BANK CITY Arkansas Arkansas County Bank DeWitt Bank And Trust Company The Farmers and Merchants Bank DeWitt DeWitt Stuttgart Ashley First State Bank Home Bank of Arkansas Crossett Portland Benton Bank of Gravett Generations Bank Gravette Rogers Bradley First State Bank of Warren Warren Bank and Trust Company Carroll First National Bank of North Arkansas Cornerstone Bank Anstaff Bank Chicot The Bank of Lake Village Lake Village Clark Southern Bancorp Bank Arkadelphia Clay Piggott State Bank Cleveland Gateway Bank Columbia Farmers Bank and Trust Company The Peoples Bank Magnolia Magnolia Conway Petit Jean State Bank Morrilton Crawford Citizens Bank & Trust Company Crittenden Premier Bank of Arkansas Evolve Bank & Trust Fidelity Bank Cross Cross County Bank The First National Bank of Wynne Dallas FBT Bank & Mortgage Riverside Bank Fordyce Sparkman Desha Merchants & Farmers Bank First NaturalState Bank McGehee Bank Dumas McGehee McGehee Warren Warren Berryville Eureka Springs Green Forest Piggott Rison Van Buren Marion West Memphis West Memphis Wynne Wynne One Hundred and Fifth Report 87 COUNTY BANK CITY Drew Commercial Bank & Trust Company Union Bank And Trust Company Monticello Monticello Faulkner Centennial Bank First Service Bank Conway Greenbrier Fulton Bank of Salem Grant Peoples Bank Greene First National Bank Hot Spring The Malvern National Bank Independence First Community Bank The Citizens Bank Izard The First National Bank of Izard County Jackson Merchants & Planters Bank Jefferson Relyance Bank, National Association Simmons Bank Lafayette Community State Bank Bodcaw Bank Lawrence The First National Bank of Lawrence County Lincoln Connect Bank Logan First Western Bank The First National Bank at Paris Logan County Bank Lonoke Bank of England First State Bank Madison Today’s Bank Huntsville Mississippi Farmers Bank And Trust Company Blytheville Monroe The Merchants and Planters Bank Clarendon Salem Sheridan Paragould Malvern Batesville Batesville Calico Rock Newport Pine Bluff Pine Bluff Bradley Stamps Walnut Ridge Star City Booneville Paris Scranton England Lonoke Arkansas State Bank Department 88 COUNTY BANK CITY Nevada Bank of Prescott Prescott Ouachita Bank of Bearden Security Bank Bearden Stephens Phillips Partners Bank Pike Bank of Delight Diamond Bank Delight Murfreesboro Poinsett First Delta Bank Marked Tree Polk The Union Bank of Mena Pope First State Bank Pulaski First Arkansas Bank & Trust Bank of Little Rock Bank OZK Central Bank Eagle Bank & Trust Company Encore Bank Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Randolph RiverBank Pocahontas Sebastian The First National Bank of Fort Smith Farmers Bank Fort Smith Greenwood Sevier First State Bank of DeQueen Horatio State Bank DeQueen Horatio Sharp FNBC Bank Bank of Cave City Ash Flat Cave City St. Francis Armor Bank First National Bank of Eastern Arkansas Stone Stone Bank Union First Financial Bank Smackover State Bank Helena Mena Russellville Forrest City Forrest City Mountain View El Dorado Smackover One Hundred and Fifth Report COUNTY BANK Washington Arvest Bank Signature Bank of Arkansas Legacy National Bank United Bank White First Security Bank Woodruff RiverWind Bank Yell Chambers Bank River Town Bank 89 CITY Fayetteville Fayetteville Springdale Springdale Searcy Augusta Danville Dardanelle 90 Arkansas State Bank Department MAP OF ARKANSAS COUNTIES ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2019 Arkansas State Bank Department 92 FNBC Bancorp Inc. Ash Flat, AR RSSD Number: 1099690 VOICE: (870) 994-2311 FAX: (870) 257-1889 636 Ash Flat Drive P. O. Box 8 72513 CEO/Pres: Martin Carpenter VP: Marty Sellars Sec: Terri French Sec: Morris Street Subsidiaries: FNBC Bank FNBC Capital Trust I Ash Flat, AR Ash Flat, AR Citizens Bancshares of Batesville, Inc. Batesville, AR RSSD Number: 1131077 VOICE: (870) 793-4441 FAX: (870) 698-6299 655 St Louis Street P. O. Box 2156 72501 CEO: Phil Baldwin Pres/CLO: Adam Mitchell EVP/CFO: Karen Shaw Subsidiaries: The Citizens Bank Citizens Bancshares (AR) Statutory Trust I Batesville, AR Batesville, AR First Community Bancshares, Inc. Batesville, AR RSSD Number: 2641694 VOICE: (870) 612-3400 FAX: (870) 612-3412 Chm/CEO/Pres: Dale E. Cole EVP: Boris A. Dover Subsidiaries: First Community Bank Batesville Insurance Agency, Inc. Community Business Resources, LLC WR Holding Co., LLC 1325 Harrison Street P. O. Box 4327 72501-4327 CFO: Jason Taylor Sec: Dianne Lamberth Batesville, AR Batesville, AR Batesville, AR Batesville, AR One Hundred and Fifth Report 93 Bearden Bancshares, Inc. Bearden, AR RSSD Number: 2993722 VOICE: (870) 687-2233 FAX: (870) 687-2474 1 Second Street P. O. Box 135 71720-0135 Pres: Rick Green Sec: Ken Riley Subsidiaries: Bank of Bearden BBI Insurance Agency, Inc. Bearden, AR Bearden, AR Arvest Bank Group, Inc. Bentonville, AR RSSD Number: 1095674 VOICE: (479) 464-1500 FAX: (479) 464-1540 Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Holdings, Inc. Arvest Bank Arvest Central Mortgage Company ABREHB, LLC Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. RHV, LLC RHV2, LLC First Place on the Creeks, LLC WACO Title Company ABR Investments, Inc. D 3 Technology, Inc. Security Bankcard Center, Inc. Southwest Cattlemen's Corporation Superior Finance Company CFB Aviation, LLC AREH LLC Land Title Insurance Corporation 110 NW 2nd Street, Suite 300 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 Joplin, MO Omaha, NE Norman, OK Tulsa, OK Tulsa, OK Bentonville, AR Lowell, AR Denver, CO 94 Arkansas State Bank Department Arvest Holdings, Inc. Bentonville, AR RSSD Number: 1845673 VOICE: (479) 464-1500 FAX: (479) 464-1540 110 NW 2nd Street, Suite 300 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 Sec: Karla Payne Subsidiaries: Arvest Bank Arvest Central Mortgage Company ABREHB, LLC Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. RHV, LLC RHV2, LLC First Place on the Creeks, LLC WACO Title Company ABR Investments, Inc. D 3 Technology, Inc. Security Bankcard Center, Inc. Southwest Cattlemen's Corporation Superior Finance Company Fayetteville, AR Little Rock, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Rogers, AR Springdale, AR Joplin, MO Omaha, NE Norman, OK Tulsa, OK Tulsa, OK Farmers Bancorp, Inc. Blytheville, AR RSSD Number: 1247615 VOICE: (870) 763-8101 FAX: (870) 763-3500 Chm/Pres: Randy Scott Subsidiaries: Farmers Bank And Trust Company 400 West Main Street P. O. Box 688 72316-0688 VChm: Steve Bell Blytheville, AR One Hundred and Fifth Report 95 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: Ty Hampton Subsidiaries: First Western Bancshares, Inc. First Western Bank First Western Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Statutory Trust II First Western Statutory Trust III Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR 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: John T. Hampton VChm/Pres: Ty Hampton Subsidiaries: First Western Bank First Western Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Statutory Trust II First Western Statutory Trust III VP/Sec: Debbie Danekas Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Arkansas State Bank Department 96 Harrell Bancshares, Inc. Camden, AR RSSD Number: 2352196 VOICE: (479) 986-3960 FAX: (479) 986-3999 1325 Hwy. 278 Bypass 3710 Southern Hills Blvd, Suite 100 71701 Pres: Jonathan W. Harrell VP: Paul Lindsey Sec: Phillip J. Foster Subsidiaries: Generations Bank Rogers, AR Sharp Bancshares, Inc. Cave City, AR RSSD Number: 1099663 VOICE: (870) 283-5301 FAX: (870) 283-6466 137 South Main P. O. Box 490 72521-0490 Chm: Samuel F. Beller CEO/Pres: John Beller VChm: Bruce Street CFO: Kim Nunally 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 One Hundred and Fifth Report 97 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: Brian Davis COO: Stephen Tipton Subsidiaries: Centennial Bank Centennial Insurance Agency, Inc. Boomer Air LLC Freedom Insurance Group, Inc. Cook Insurance Agency, Inc. Regent Bank Project Finance, Inc. Centennial AL Holdings, Inc. Centennial (AR) Statutory Trust I Liberty Statutory Trust 1 Liberty Statutory Trust II Regent Capital Trust II Regent Capital Trust III Russellville Statutory Trust I Conway, AR Cabot, AR Conway, AR Jonesboro, AR Apalachicola, FL Davie, FL New York, NY Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Evergreen Bancshares, Inc. Crossett, AR RSSD Number: 1134797 VOICE: (870) 364-5131 FAX: (870) 364-6329 Chm: Richard E. Griffin Subsidiaries: First State Bank 200 Pine Street P. O. Box 638 71635-0638 CEO/Pres: Howard M. Beaty, Jr. Crossett, AR Arkansas State Bank Department 98 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 SVP: Mike Donnell CFO: Landi Mkhize Subsidiaries: Chambers Bank Sloan Capital Trust I Danville, AR Danville, AR Bank of Dardanelle Bankshares, Inc. Dardanelle, AR RSSD Number: 1134546 VOICE: (479) 229-3311 FAX: (479) 229-4180 102 North Front Street P. O. Box 577 72834-0577 Chm/CEO/Pres: Dee Abrams Subsidiaries: River Town Bank Dardanelle, AR First State Bancshares, Inc. DeQueen, AR RSSD Number: 2032724 VOICE: (870) 642-4423 FAX: (870) 642-2847 Chm: Dennis Smiley Subsidiaries: First State Bank of DeQueen First State Insurance of DeQueen Inc. First State DeQueen Statutory Trust I 402 West Collin Raye Drive P. O. Box 970 71832-0970 CEO/Pres: Gary L. Golden DeQueen, AR DeQueen, AR Wilmington, DE One Hundred and Fifth Report 99 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: Lester A. McKinley VP: Mary M. Jennings 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: Chris Hegi EVP/CFO: Melissa Jerry 214 North Washington Street P. O. Box 1754 71730-1754 EVP: Craig Mobley Sec: Debra Martin Subsidiaries: First Financial Bank First Title Services, Inc. First Financial Banc Corporation Statutory Trust I First Financial Statutory Trust III El Dorado, AR El Dorado, AR El Dorado, AR El Dorado, AR Arkansas State Bank Department 100 MHBC Investments Limited Partnership, I LLLP England, AR RSSD Number: 2795083 VOICE: (501) 842-2555 FAX: (501) 842-2422 123 South Main Street P. O. Box 70 72046 Chm/CEO/Pres: Gary Canada Subsidiaries: Canada Bancshares, Inc. Bank of England BOE Acquisition Company, Inc. BOE Mortgage, LLC BOE Leasing, LLC England, AR England, AR England, AR England, AR Little Rock, AR Canada Bancshares, Inc. England, AR RSSD Number: 5081385 VOICE: (501) 842-2555 FAX: (501) 842-2422 123 South Main Street 72046 Bank Holding Company MHBC Investments Limited Partnership, I LLLP, England, AR Chm/CEO/Pres: Gary Canada Subsidiaries: Bank of England BOE Acquisition Company, Inc. BOE Mortgage, LLC BOE Leasing, LLC England, AR England, AR England, AR Little Rock, AR Eureka Bancshares, Inc. Eureka Springs, AR RSSD Number: 2941769 VOICE: (479) 253-3000 FAX: (479) 253-3004 Chm/CEO/Pres: John F. Cross VChm: Lewis E. Epley, Jr. Subsidiaries: Cornerstone Bank 70 South Main P. O. Box 309 72632-0309 Sec: Charles T. Cross Eureka Springs, AR One Hundred and Fifth Report 101 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 Chm/CEO/Pres: Gary R. Head CAO: Brant Ward CFO/Treas: Russell W. Nugent, Jr. Subsidiaries: Signature Bank of Arkansas Fayetteville, AR FBT Bancshares, Inc. Fordyce, AR RSSD Number: 1099092 VOICE: (870) 352-3107 FAX: (870) 352-5202 200 West 4th Street 200 West 4th Street 71742-2202 Chm/CEO/Pres: James V. Hulse, Jr. EVP: Lance Nutt SVP: Janie Daniell SVP: David Sisson Subsidiaries: FBT Bank & Mortgage Fordyce, AR First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (479) 782-2041 FAX: (479) 788-4602 Chm: Mont S. Echols, Jr. CEO/Pres: Sam T. Sicard Subsidiaries: The First National Bank of Fort Smith Special L P, LLC Citizens Bank & Trust Company PMF, Inc. V B Senior Housing Limited Partnership BHC Insurance FBC Acquisition, Inc. First Asset Holdings, LLC Placid Hills Limited Partnership Placid Hills Managment, LLC Realty Appraisals, Inc. 602 Garrison Avenue P. O. Box 7 72902-0007 VP: James G. Williamson, Jr. Fort Smith, AR Fort Smith, AR Van Buren, AR Van Buren, AR Van Buren, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Arkansas State Bank Department 102 Bainum Bancorp Glenwood, AR RSSD Number: 1491333 VOICE: (870) 356-2121 FAX: (870) 356-6327 205 Hwy 70 East P. O. Box 500 71943 Chm/CEO: Timothy E. Bainum CFO: Laura Habighorst Subsidiaries: Diamond Bank Murfreesboro, AR First National Bancorp, Inc. Green Forest, AR RSSD Number: 2619349 VOICE: (870) 438-5214 FAX: (870) 438-5412 100 First National Avenue P. O. Box 1900 72638 Chm/Pres: Stephen Stafford SVP: Shelby Bruffett Sec: L. Scott Stafford Subsidiaries: Anstaff Bank Green Forest, AR First Service Bancshares, Inc. Greenbrier, AR RSSD Number: 1137266 VOICE: (501) 679-7200 FAX: (501) 764-4260 Chm/CEO/Pres: Thomas H. Grumbles Treas/Sec: Robin Hackett Subsidiaries: First Service Bank First Service Realty 136 South Broadview P. O. Box 190 72058-0430 Treas/Sec: Kenneth Barnard Greenbrier, AR Greenbrier, AR One Hundred and Fifth Report 103 Peoples Home Holding, Inc. Greenbrier, AR RSSD Number: 3029196 VOICE: (501) 679-7283 FAX: (501) 679-7745 67 South Broadview Street P. O. Box 307 72058 Chm/Pres: John Stacks Sec: Roy Montgomery Subsidiaries: Home Bank of Arkansas HomeBank Insurance Agency Portland, AR Greenbrier, AR Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (479) 996-4171 FAX: (479) 996-6700 71 West Center Street P. O. Box 610 72936-0610 Chm: Elizabeth Wilkinson CEO/Pres: Edward Wilkinson Subsidiaries: Farmers Bank Greenwood, AR Helena Bancshares, Inc. Helena, AR RSSD Number: 1129494 VOICE: (870) 338-6451 FAX: (870) 338-6306 Chm: Joseph Thomas Cunningham CEO/Pres: John O. Moore Subsidiaries: Partners Bank 302 Cherry Street P. O. Box 280 72342-3552 EVP: Tommie Shackelford SVP: Jeff Steele Helena, AR Arkansas State Bank Department 104 Pioneer Bancshares, Inc. of Horatio, Arkansas Horatio, AR RSSD Number: 1139091 VOICE: (870) 832-2501 FAX: (870) 832-2577 123 Main Street P. O. Box 347 71842-0347 Chm/CEO/Pres: Carl E. Hendrix, III VP: Todd B. Trimble Treas/Sec: Michael B. Griffin Subsidiaries: Horatio State Bank Horatio, AR Smith Associated Banking Corporation Hot Springs, AR RSSD Number: 1098004 VOICE: (501) 623-4292 FAX: (501) 624-7187 1801 Central Avenue, Suite D 71901 Chm/CEO: G. R. Buck Smith Subsidiaries: Bank of Salem SABCO Insurance, Inc. Security Bank Ouachita Properties Inc. Salem, AR Salem, 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 SVP/CFO: Kim Cullum Subsidiaries: First Arkansas Bank & Trust First Arkansas Statutory Trust I 600 West Main Street P. O. Box 827 72078-0827 Sec: Patrick J. Hagge Jacksonville, AR Jacksonville, AR One Hundred and Fifth Report 105 Southeast Arkansas Bank Corporation Lake Village, AR RSSD Number: 1137033 VOICE: (870) 265-2241 FAX: (870) 265-2125 201 Main Street P. O. Box 727 71653-0727 Chm/CEO: Charles H. Weissinger, Jr. VChm: Guy M. Weissinger Pres: Franklin Todd Turner Subsidiaries: The Bank of Lake Village BLV Realty, Inc. Jefferson Ag Credit The Jefferson Agency The Jefferson Bank Lake Village, AR Lake Village, AR Greenville, MS Greenville, MS Greenville, MS Capital Bancshares, Inc. Little Rock, AR RSSD Number: 2777016 VOICE: (501) 228-6000 FAX: (501) 228-6006 12224 Chenal Parkway P. O. Box 8210 72211 Chm/CEO: Chris Roberts VChm/Pres: Phillip Jett EVP/COO: Burt Hicks Subsidiaries: Encore Bank 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 SVP: Kim Markland Subsidiaries: Bank of Little Rock Bank of Little Rock Mortgage Corp. Hallmark National Mortgage Corp. Little Rock Mortgage Corp. 200 North State Street P. O. Box 34090 72203 SVP/Cash: Lee A. Swearingen Sec: Stephen Plunkett Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR 106 Arkansas State Bank Department 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. Riverside Mortgage Company, Inc. Sparkman, AR Fayetteville, AR Little Rock, AR Southern Bancorp Inc. Little Rock, AR RSSD Number: 1248939 VOICE: (501) 850-8969 FAX: (501) 537-1193 8924 Kanis Road 72205 Chm: Glen Jones CEO: Darrin Williams CFO: Christopher Wewers Subsidiaries: Southern Bancorp Bank Southern Bancorp Investment Fund I, LLC Southern Bancorp Investment Fund II, LLC Southern Landlord LLC Southern Bancorp Statutory Trust IV Southern Development Capital Trust Southern Development Statutory Trust III Southern Property Corporation of the Delta SBI Acquisition, Inc. Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Madison, MS State Holding Company Little Rock, AR RSSD Number: 1100046 VOICE: (501) 223-3450 FAX: (501) 223-8008 Chm/CEO/Pres: Cathy H. Owen EVP: Laura Bogoslavsky Subsidiaries: Eagle Bank & Trust Company Eagle Development Company South State Mortgage Company 650 South Shackleford, Suite 450 72211 EVP: Paul Castleberry Little Rock, AR Little Rock, AR Little Rock, AR One Hundred and Fifth Report 107 Lonoke Bancshares, Inc. Lonoke, AR RSSD Number: 1491614 VOICE: (501) 676-3106 FAX: (501) 676-5046 101 South Center Street P. O. Box 320 72086-0320 Chm: Neil Bennett, Jr. CEO: Kevin F. "Kip" Norton Sec: Karen Hardke Subsidiaries: First State Bank First State Land Co., Inc. Lonoke Statutory Trust I Lonoke Statutory Trust II Lonoke, AR Lonoke, AR Lonoke, AR Lonoke, AR Golden Oaks Bancshares, Inc. Magnolia, AR RSSD Number: 1098684 VOICE: (870) 234-5777 FAX: (870) 234-3384 500 North Jackson Street P. O. Box 340 71754-0340 Chm: Steven Clark 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) 235-7008 Chm/CEO/Pres: Bob L. Burns EVP/CFO: Drew Chandler Subsidiaries: Farmers Bank and Trust Company Magnolia Properties, Inc. Patmos Holdings, LLC Magnolia Statutory Trust I First National Hempstead Statutory Trust I 200 East Main Street P. O. Box 250 71754-0250 EVP: Chris Gosnell EVP/Sec: Bruce D. Maloch Magnolia, AR Magnolia, AR Texarkana, TX Magnolia, AR Hartford, CT Arkansas State Bank Department 108 Forrest City Financial Corporation Marianna, AR RSSD Number: 2501305 VOICE: (870) 633-1525 FAX: (870) 633-8212 98 West Tennessee Street 72360 Bank Holding Company Big Creek Bancshares, Inc., Moro, AR Chm: Mark Waldrip CEO/Pres: Chad T. May VP: Nathan M. Waldrip Sec: Stephen W. Edwards, Sr. Subsidiaries: Armor Bank Forrest City, AR FCB Financial Services, Inc. Marion, AR RSSD Number: 3123339 VOICE: (870) 739-7300 FAX: (870) 739-7379 Pres: M. Don Underwood 205 Block Street P. O. Box 747 72364 Sec: Frank A. Fogleman Subsidiaries: Premier Bank of Arkansas Marion, AR Tyronza Bancshares, Inc. Marked Tree, AR RSSD Number: 1139783 VOICE: (870) 358-6000 FAX: (870) 358-6001 Chm: Charles A. Banks Subsidiaries: First Delta Bank 214 Hester Parker Drive P. O. Box 635 72365-0635 CEO/Pres: Chris M. Lehman Marked Tree, AR One Hundred and Fifth Report 109 First National Financial Corporation McGehee, AR RSSD Number: 3386880 VOICE: (870) 222-3880 FAX: (870) 222-4853 500 North Second Street P. O. Box 728 71654 CEO/Pres: Robert Lucky EVP/COO: Jim Daniels Subsidiaries: First NaturalState Bank Milner/Owyoung Insurance Co., LLC McGehee, AR McGehee, AR McGehee Bank Employee Stock Ownership Plan McGehee, AR RSSD Number: 3487965 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd Street P. O. Box 787 71654 Chm: William W. Bowman CEO/Pres: James M. Smith VChm: John H. Potter VP/TO: Jim Youngblood Subsidiaries: Southeast Financial Bankstock Corporation McGehee Bank McBank Realty McGehee, AR McGehee, AR McGehee, AR Southeast Financial Bankstock Corporation McGehee, AR RSSD Number: 1096662 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd Street P. O. Box 787 71654-0787 Bank Holding Company McGehee Bank Employee Stock Ownership Plan, McGehee, AR Chm: William W. Bowman CEO/Pres: James M. Smith Subsidiaries: McGehee Bank McBank Realty VChm: John H. Potter, Jr. Sec: Teresa Allison McGehee, AR McGehee, AR Arkansas State Bank Department 110 Union Bankshares, Inc. Mena, AR RSSD Number: 1099805 VOICE: (479) 394-2211 FAX: (479) 394-3809 303 Hwy 71 North P. O. Box 898 71953-0898 Chm: John Stevenson CEO/Pres: Philip B. Hensley VChm: David Maddox EVP/CFO: Michael D. Myers Subsidiaries: The Union Bank of Mena The First National Bank at Paris Union Bankshares Statutory Trust I Mena, AR Paris, AR Mena, AR Drew Bancshares, Inc. Monticello, AR RSSD Number: 1098198 VOICE: (870) 367-2025 FAX: (870) 367-1151 Chm/CEO: Bennie Ryburn, III Pres: George T. Harris 212 West Gaines P. O. Box 150 71657-0150 SVP: Michael Efird SVP/Sec: Rusty Smith Subsidiaries: Commercial Bank & Trust Company Monticello, AR First Union Financial Corporation Monticello, AR RSSD Number: 1098880 VOICE: (870) 460-6400 FAX: (870) 460-6465 Chm Emer: Zach McClendon, Jr. Chm/CEO: John S. McClendon Subsidiaries: Union Bank And Trust Company First Union Statutory Trust 1 102 West McCloy P. O. Box 270 71657-0270 Pres: Dave Dickson Treas/Sec: Robin McClendon Monticello, AR Monticello, AR One Hundred and Fifth Report 111 Big Creek Bancshares, Inc. Moro, AR RSSD Number: 5046816 VOICE: (870) 821-5100 FAX: (870) 821-5100 6738 Highway 78 West 72368 Chm: Mark Waldrip CEO/Pres: Chad T. May VP: Nathan M. Waldrip Sec: Stephen W. Edwards, Sr. Subsidiaries: Forrest City Financial Corporation Armor Bank Marianna, AR Forrest City, 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 Stone Bancshares, Inc. Mountain View, AR RSSD Number: 4928344 VOICE: (833) 253-2265 FAX: (870) 269-7312 Chm/Pres: Sonya Daniels EVP: Marnie Oldner Subsidiaries: DeWitt Bank And Trust Company DBT Realty Company, Inc. P & M Realty, Inc. Stone Bank 802 East Main Street P. O. Box 2750 72560 CFO/Sec: Stephen T. Ragland VP: Nick Roach DeWitt, AR DeWitt, AR DeWitt, AR Mountain View, AR Arkansas State Bank Department 112 M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan Newport, AR RSSD Number: 3394429 VOICE: (870) 523-3601 FAX: (870) 523-3473 120 Hazel Street P. O. Box 650 72112 Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. Sec: Leslie Lowery Subsidiaries: M & P Community Bancshares, Inc. Merchants & Planters Bank M & P Insurance & Investment Services, Inc. M & P Community Statutory Trust II Newport, AR Newport, AR Newport, AR Newport, AR 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. Sec: Leslie Lowery Subsidiaries: Merchants & Planters Bank M & P Insurance & Investment Services, Inc. Newport, AR Newport, AR Piggott Bankstock, Inc. Piggott, AR RSSD Number: 1098321 VOICE: (870) 598-3802 FAX: (870) 598-2026 212 West Cherry Street P. O. Box 307 72454-0307 Chm: Cody Knight Subsidiaries: Piggott State Bank Piggott, AR One Hundred and Fifth Report 113 Simmons First National Corporation Pine Bluff, AR RSSD Number: 1094828 VOICE: (870) 541-1000 FAX: (870) 850-2685 Chm/CEO: George A. Makris, Jr. 501 Main Street P. O. Box 7009 71601-4327 EVP: Marty Casteel Subsidiaries: Simmons Bank Heartland Bank Liquidating Trust Heartland Insurance, LLC Montesano Investment, LLC PGR, LLC Simmons First Insurance Services, Inc. Simmons First Investment Group, Inc. Zwolle Investment, LLC Diamond State Ventures II, L.P. Simmons NMTC Holding, LLC WHNH, LLC Simmons First SW REIT, Inc. Simmons First REIT of TN, LLC St. Louis State Equity Fund II LLC Capital Partners Series SB, LLC Capital Partners Series SB II, LLC Capital Partners Series SB III, LLC Beacon Village Tax Credit Fund, LLC Lost Tree South L.P. Big Creek Investors, LLC Simmons First REIT of MO, LLC Springfield Finance and Development Corp. MU Investment Property, LLC The Successful Investors, LLC Stockton Community Development Corp. Simmons First Investments, Inc. FNBE Real Estate, Inc. Quad J Holdings, LLC Rockwell Community Development, Inc. CRK Properties, Inc. Stillwater NMTC, LLC Venture Holding Company, LLC ETN-KLC, LLC First State Providence PCC of Grenada, LLC Providence PCC of Grenada, LLC Simmons First Auto, Inc. Simmons First Insurance Services of TN, LLC Simmons First Properties, Inc. Simmons First Special Assets, Inc. Harob, Inc. Simmons First Mortgage Company Hardeman County Statutory Trust I Pine Bluff, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Wilmington, DE Baltimore, MD Clayton, MO Columbia, MO Columbia, MO Columbia, MO Dexter, MO Rogersville, MO Sedalia, MO Springfield, MO Springfield, MO St. Louis, MO St. Louis, MO Stockton, MO Las Vegas, NV Oklahoma City, OK Oklahoma City, OK Oklahoma City, OK Stillwater, OK Stillwater, OK Jackson, TN Sevierville, TN Union City, TN Union City, TN Union City, TN Union City, TN Union City, TN Union City, TN Fort Worth, TX Pine Bluff, AR Wilmington, DE Arkansas State Bank Department 114 LBI Capital Trust V Simmons First Risk Management, Inc. SNB Capital Corporation Community First Statutory Trust III SWB Recovery Corp. Wilmington, DE Las Vegas, NV Stillwater, OK Union City, TN Fort Worth, TX Prescott Bancshares, Inc. Prescott, AR RSSD Number: 2236586 VOICE: (870) 887-2688 FAX: (870) 887-6822 103 East 2nd Street South P. O. Drawer 490 71857-0490 Pres: John Warren Brannan, Jr. EVP: Gary McCauley Treas/Sec: Karen McLelland Subsidiaries: Bank of Prescott Prescott, AR Sigma Holdings, Inc. Rison, AR RSSD Number: 4512378 VOICE: (501) 847-3440 FAX: (501) 847-3452 Chm/Pres: Lewis R. Gardner Subsidiaries: Gateway Bank 112 Main Street P. O. Box 345 71665 Sec: Joe Dunn Rison, AR One Hundred and Fifth Report 115 First State Banking Corporation Russellville, AR RSSD Number: 1096448 VOICE: (479) 498-2402 FAX: (479) 498-2465 3103 East Main Street P. O. Box 10610 72812 Chm/CEO: Charles Blanchard Pres: Chip Blanchard EVP: Toni B. Laws CFO/Sec: Andrea Nicholson Subsidiaries: First State Bank Nimrod Real Estate, Inc. FSB Capital Trust III Russellville, AR Russellville, AR Russellville, AR 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/Pres: Reynie Rutledge Subsidiaries: First Security Bank UFS, Inc. 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 First Security Fund Advisors, Inc. Union Air LLC Cheyenne Aircraft LLC Crews Dissemination Services, Inc. Crossfirst Bankshares, Inc. Searcy, AR Benton, 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 Leawood, KS Leawood, KS Arkansas State Bank Department 116 Peoples Bancorp, Inc. Sheridan, AR RSSD Number: 4639435 VOICE: (870) 942-5707 FAX: (870) 942-2489 1120 S. Rock Street P. O. Box 460 72150 Chm: Al Upton CEO/Pres: Craig L. Manatt Sec: James W. Lancaster Subsidiaries: Peoples Bank Sheridan, AR Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 Chm: J. Drew Tennyson 708 North Broadway P. O. Box 107 71762-0107 Pres: James B. Yeager Subsidiaries: Smackover State Bank Smackover, AR Legacy Bancshares, Inc. Springdale, AR RSSD Number: 5070192 VOICE: (479) 717-1900 FAX: (479) 717-1953 CEO/Pres: Patrick Swope Subsidiaries: Bank of Gravett Legacy National Bank 4055 West Sunset Avenue P. O. Box 6490 72762 CFO: Jason McDoniel Gravette, AR Springdale, AR One Hundred and Fifth Report 117 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/Pres: Sam Mathias VChm: Arthur Thurman Sec: Larry Olson Subsidiaries: Today's Bank FSB Properties, LLC Property Management 40830, LLC Huntsville, AR Fayetteville, AR Fayetteville, AR United Holding Company, Inc. Springdale, AR RSSD Number: 3832181 VOICE: (479) 872-3802 FAX: (888) 420-1829 2790 South Thompson Street, Suite 102 72764-6354 CEO/Pres/Sec: Craig Young CFO/Treas: Karla Baker Subsidiaries: United Bank Springdale, AR Bodcaw Bancshares, Inc. Stamps, AR RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 Chm: John W. Smith, Jr. Subsidiaries: Bodcaw Bank 307 Thomas Street P. O. Box 8 71860-0008 Sec: D. Copie Dickson Stamps, AR Arkansas State Bank Department 118 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: Marion Burge Ryburn Subsidiaries: Connect Bank Star City, AR The Farmers and Merchants Bankshares, Inc. Stuttgart, AR RSSD Number: 1099672 VOICE: (870) 673-6911 FAX: (870) 672-4282 708 South Main P. O. Box 1010 72160-1016 Chm: Mickey Pierce CEO/Pres: Gary Hudson VChm: Robert H. Seidenstricker SVP/CFO: Joann C. West Subsidiaries: The Farmers and Merchants Bank Bankshares of Fayetteville Statutory Trust I Mountain Home Statutory Trust I Stuttgart, AR Fayetteville, AR Mountain Home, AR Bradley Bancshares, Inc. Warren, AR RSSD Number: 1097463 VOICE: (870) 226-2601 FAX: (870) 226-2253 Chm: Bennie Ryburn, III Subsidiaries: First State Bank of Warren 104 South Main Street P. O. Box 29 71671-0029 Pres: Freddie M. Mobley Warren, AR One Hundred and Fifth Report 119 Carlson Bancshares, Inc. West Memphis, AR RSSD Number: 1491641 VOICE: (870) 735-8700 FAX: (870) 735-0065 330 West Broadway Street P. O. Box 2288 72301-2288 Chm: William A. Carlson Pres: Charles E. Horton EVP/CFO: Marlene D. Keenan VP: Kirby H. Carlson Subsidiaries: Fidelity Bank West Memphis, AR Evolve Bancorp, Inc. West Memphis, AR RSSD Number: 1142411 VOICE: (901) 624-5500 FAX: (901) 624-5540 Chm: Scot Lenoir 301 Shoppingway Blvd. 72301 Sec: Virginia B. Wilson Subsidiaries: Evolve Bank & Trust West Memphis, AR Cross County Bancshares, Inc. Wynne, AR RSSD Number: 1131611 VOICE: (870) 238-8171 FAX: (870) 238-4052 Chm: Dr. Willard G. Burks CEO/Pres: David Dowd Subsidiaries: Cross County Bank CCB Real Estate Holdings, Inc. CCB-EAT, LLC Janus Title, LLC 1 Cross County Plaza P. O. Box 9 72396-0009 EVP: King Casbeer Treas/Sec: Shelia Roberts Wynne, AR Wynne, AR Wynne, AR Wynne, AR ABBREVIATIONS Chm: Chm Emer: CEO: Co-Chm: VChm: Pres: Reg Pres: EVP: SVP: CAO: CBO: CCO: CFO: CLO: COO: AdmVP: EO: VP: SLO: Cash: Cont: AVP: RMO: Aud: Mtg CEO: TO: ATO: Treas: Sec: Atty: Chairman of the Board Chairman Emeritus Chief Executive Officer Co-Chairman Vice Chairman President Regional President Executive Vice President Senior Vice President Chief Administrative Officer Chief Banking Officer Chief Credit Officer Chief Financial Officer Chief Lending Officer Chief Operating Officer Administrative Vice President Executive Officer Vice President Senior Loan Officer Cashier Controller Assistant Vice President Risk Management Officer Auditor Mortgage Chief Executive Officer Trust Officer Assistant Trust Officer Treasurer Secretary Attorney One Hundred and Fifth Report NOTES 121 122 Arkansas State Bank Department NOTES One Hundred and Fifth Report NOTES 123 124 Arkansas State Bank Department NOTES
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