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REPORT OF
THE

BANK COMMISSIONER
OF THE STATE OF ARKANSAS
2015

ASA HUTCHINSON
Governor
CANDACE A. FRANKS
Bank Commissioner

REPORT OF
THE

BANK COMMISSIONER
OF THE STATE OF ARKANSAS
2015

ASA HUTCHINSON
Governor
CANDACE A. FRANKS
Bank Commissioner

ONE HUNDRED AND FIRST ANNUAL

REPORT OF

THE

BANK COMMISSIONER

JUNE 30, 2015

STATE OF ARKANSAS
OFFICE OF STATE BANK DEPARTMENT
June 30, 2015
Honorable Asa Hutchinson
Governor of Arkansas
Little Rock, Arkansas
Governor Hutchinson:
I am pleased to submit to you the One Hundred and First Annual Report of
the Bank Commissioner of Arkansas, pursuant to the provisions of Act 89 of
1997. The Report contains financial and statistical data compiled from
Reports of Condition and Income and other regulatory reports submitted to
this office for the fiscal year ending June 30, 2015.
The financial services industry continues to undergo change. Arkansas
state chartered banks and trust companies continue to successfully meet
the challenges of change and offer excellent financial services to the public.
The State Bank Department maintains a Strategic Plan, which the
Department’s employees develop on an annual basis. The mission of the
State Bank Department is to allocate available human and other resources
existing in our Examination, Information Technology and Administrative
Services Divisions to ensure the continuance of safe and sound financial
practices in state chartered financial institutions.
We thank you for the support you and your staff provide and assure you of
our continuing efforts to maintain the highest level of professionalism in the
performance of our responsibilities.
Cordially,

Candace A. Franks
Bank Commissioner

One Hundred and First Report

TABLE OF CONTENTS
Legal Holidays ............................................................................................................................................ 2
Commissioners of The Bank Department .................................................................................................. 3
State Banking Board .................................................................................................................................. 4
Departmental Roster .................................................................................................................................. 5
Chartered Conversions/Corporate Name Changes/Charter Relocations .................................................. 9
Mergers of State Chartered Banks & Branches Approved....................................................................... 10
State Chartered Banks Subchapter S Corporations................................................................................. 12
Fiscal Report of The Bank Department .................................................................................................... 14
Federal Supervisory Agencies ................................................................................................................. 15
Trade Associations ................................................................................................................................... 20
Consolidated Report of Condition Data
State Chartered Banks .......................................................................................................................... 24
Consolidated Statement of Condition
State Chartered Trust Departments ...................................................................................................... 25
Consolidated Report of Condition Data
National Banks ...................................................................................................................................... 26
Tier One Leverage Ratios For All
Arkansas Commercial Banks ................................................................................................................ 27
National Banks Headquartered in Arkansas ............................................................................................ 30
Report of State Chartered Commercial Banks ......................................................................................... 32
Report of State Chartered Non-Profit Organization .................................................................................. 78
Report of State Chartered Trust Company............................................................................................... 80
Report of County Industrial Development Corporation............................................................................. 82
All Commercial Banks Listed by County .................................................................................................. 84
Map of Arkansas Counties ....................................................................................................................... 88
Arkansas Bank Holding Companies ......................................................................................................... 90
Abbreviations ..........................................................................................................................................120

2

Arkansas State Bank Department

LEGAL HOLIDAYS
st

New Year's Day....................................................................................... January 1

Robert E. Lee's Birthday ...................................................Third Monday in January

Martin Luther King, Jr. Day ...............................................Third Monday in January

Presidents Day ................................................................ Third Monday in February

Memorial Day ........................................................................... Last Monday in May

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 First Report

3

COMMISSIONERS OF THE
ARKANSAS STATE BANK DEPARTMENT
Date of Appointment

Date Service
Ended

No.

Name

1.

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

October 3, 1918

2.

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

March 22, 1919

3.

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

September 1, 1921

4.

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

July 28, 1925

5.

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

February 8, 1927

6.

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

January 10, 1933

7.

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

January 12, 1937

8.

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

January 14, 1941

9.

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

February 1, 1949

10.

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

December 31, 1949

11.

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

March 14, 1953

12.

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

February 8, 1955

13.

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

March 2, 1967

14.

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

March 16, 1979

15.

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

April 19, 1979

16.

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

April 15, 1983

17.

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

October 1, 1987

18.

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

July 31, 1998

19.

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

May 21, 2003

20.

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

June 11, 2007

21.

Candace A. Franks ........................ June 13, 2007

……………....

Arkansas State Bank Department

4

STATE BANKING BOARD MEMBERS

Ms. Elizabeth Bowles
Chairman
401 West Capitol Avenue, Suite 700
Little Rock, AR 72201
VOICE: (501) 374-4638
FAX: (501) 376-1377
TERM EXPIRES: 12-31-16

Mr. Gary Hudson
Vice Chairman
The Farmers and Merchants Bank
P.O. Box 1010
Stuttgart, AR 72160
VOICE: (870) 673-6911
FAX: (870) 673-4282
TERM EXPIRES: 12-31-18

Mr. John Freeman
Evolve Bank & Trust, West Memphis
P.O. Box 4097
Jonesboro, AR 72403
VOICE: (870) 933-2480
FAX: (870) 933-2499
TERM EXPIRES: 12-31-15

Ms. Lana Hampton
2341 Surrey Lane
Springdale, AR 72762
VOICE: (479) 750-8849
TERM EXPIRES: 12-31-18

Mr. Gary Smith
2525 North Fillmore Street
Little Rock, AR 72207
VOICE: (501) 455-1324
TERM EXPIRES: 12-31-18

Mr. Zach McClendon
Union Bank and Trust Company
P.O. Box 270
Monticello, AR 71657-0270
VOICE: (870) 460-6400
FAX: (870) 460-6431
TERM EXPIRES: 12-31-19

One Hundred and First Report

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

DEPARTMENTAL ROSTER
Candace A. Franks - Bank Commissioner
Luther Guinn - Deputy Bank Commissioner
Examination, Supervision and Regulation
Regulatory Enforcement Actions
Personnel/Examination
State Banking Board

Susannah T. Marshall - Deputy Bank Commissioner
Examination, Supervision and Regulation
Regulatory Enforcement Actions
Personnel/Examination
Application Information

EXAMINATION AND SUPERVISION
Assistant Deputy Bank Commissioners:
H. Wilks Marshall, Jr.
Richard D. Buzbee
Baker L. Moseley
Michael G. Saunders
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
Lance A. Nutt - Commissioned Senior Examiner
Jim E. Homan - Commissioned Senior Examiner
Jordan A. Patterson - Bank Senior Examiner
Scott M. Lambert - Bank Junior Examiner
Andrew D. McCormick – Assistant Bank 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. Victory - Certified Bank Senior Examiner
Thomas L. Cook - Certified Bank Senior Examiner
Dharmin H. Patel - Certified Bank Senior Examiner
Raychel M. Pendergist - Bank Senior Examiner
Daniel E. Sims – Assistant Bank Examiner

Richard S. Plotkin - Certified Examinations Manager
Jacklyn G. Powell - Certified Bank Senior 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 K. Davis - Commissioned Senior Examiner
J. D. Chambliss - Bank Senior Examiner
Jordan M. Hurst - Bank Senior Examiner
Chris S. Rittelmeyer - Bank Senior Examiner
Johnathon W. Welch - Bank Junior Examiner
JONESBORO OFFICE
924 South Main
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
Chris A. Dillon - Certified Bank Senior Examiner
W. Kent Darr - Certified Bank Senior Examiner
T. J. Anderson - Certified Bank Senior Examiner
W. Nathan Elliott - Commissioned Senior Examiner
Scott J. Smith - Commissioned Senior Examiner
W. Nathan Elliot – Commissioned Senior Examiner
TRUST

Thomas M. Narrell - Certified Examinations Manager
Stacey D. Leder - Certified Bank Senior Examiner
Mark G. Rye - Certified Bank Senior Examiner

One Hundred and First Report

INFORMATION SYSTEMS

Jeffrey A. Cameron - Certified Examinations Manager
Michael L. Green - Certified Bank Senior Examiner
Donna J. Dodge - Assistant Bank Examiner
Scott D. Chandler - Bank Examiner Trainee

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 Examination
Bank Reports of Condition and Income
Bank Holding Company Reports
Research and Financial Analysis
Public Information Requests
Application Analysis
Consumer Complaints

LEGAL DIVISION
Eric D. Roberts - Attorney
Rules and Regulations
Legal Filings and Inquiries
Consumer Complaints

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

7

8

Arkansas State Bank Department

ADMINISTRATION DIVISION
Gail Green - Fiscal Division Manager
Vicki A. Wise - Payroll Services Coordinator
Devan E. May - Procurement Coordinator
Accounting and Employee Services
Budget/Personnel/Payroll
Performance Evaluation
Expense Disbursement
Purchasing

Cynthia L. Nixon - Executive Assistant to the Commissioner
Jane R. English - Research Analyst
Lori A. Morrison - Research Analyst
Martha A. Guinn - Administrative Analyst
Antwanette Pettigrew-House - Administrative Analyst
Administrative Support
Examination Support and Processing
Data Entry
Barbara A. Mahoney - Administrative Analyst
Rules and Regulations Manual Distribution Inquiries
Charter Amendments and Charter Information
Certificates of Good Standing

One Hundred and First Report

CHARTER CONVERSIONS
FROM JULY 1, 2014, TO JUNE 30, 2015
NAME / CHARTER / LOCATION

NAME / CHARTER / LOCATION

RiverBank Savings and Loan Association
State Chartered Savings Bank
520 West 2nd Street
Corning, Arkansas

RiverBank
State Chartered Bank
1700 Old County Road
Pocahontas, Arkansas

The above institution’s charter conversion, name change and relocation were all
effective January 15, 2015.

CORPORATE NAME CHANGES
FROM JULY 1, 2014, TO JUNE 30, 2015
NAME / LOCATION

NEW NAME / LOCATION

The Bank of Rison
Rison, Arkansas

Gateway Bank
Rison, Arkansas

The above institution’s name change was effective June 8, 2015.

CHARTER RELOCATIONS
FROM JULY 1, 2014, TO JUNE 30, 2015
NAME / LOCATION

NAME / NEW LOCATION

Heartland Bank
Bryant, Arkansas

Heartland Bank
Little Rock, Arkansas

The above institution’s charter relocation was effective October 16, 2014.

9

Arkansas State Bank Department

10

MERGERS OF
STATE CHARTERED BANKS
FROM JULY 1, 2014, TO JUNE 30, 2015
Decatur State Bank
Decatur, Arkansas

Grand Savings Bank
Grove, Oklahoma

Simmons First Bank of El Dorado
El Dorado, Arkansas

Simmons First National Bank
Pine Bluff, Arkansas

Benefit Bank
Fort Smith, Arkansas

Armstrong Bank
Muskogee, Oklahoma

Simmons First Bank of South Arkansas
Lake Village, Arkansas

Simmons First National Bank
Pine Bluff, Arkansas

Delta Trust & Bank
Parkdale, Arkansas

Simmons First National Bank
Pine Bluff, Arkansas

Simmons First Bank of Russellville
Russellville, Arkansas

Simmons First National Bank
Pine Bluff, Arkansas

BRANCHES APPROVED
FROM JULY 1, 2014, TO JUNE 30, 2015
BANK

LOCATION

Southern Bancorp Bank
Arkadelphia

2212 Malvern Avenue, Suite 1
Hot Springs

The Bank of Augusta
Augusta

411 Hartsfield Drive
Searcy

The Citizens Bank
Batesville

1617 East Joyce Boulevard
Fayetteville

The Citizens Bank
Batesville

150 Airport Road
Hot Springs

One Hundred and First Report

11

The Citizens Bank
Batesville

4429 Central Avenue, Suite C
Hot Springs

Centennial Bank
Conway

5801 Rogers Avenue
Fort Smith

Cornerstone Bank
Eureka Springs

270 Curtis Hutchins Way
Huntsville

Arvest Bank
Fayetteville

SE Corner of Givan Ave. & Hwy. Y
Belton, Missouri

Benefit Bank
Fort Smith

6800 Isaac’s Orchard Road, Suite B
Springdale

First Service Bank
Greenbrier

12921 Cantrell Road, Suite 204
Little Rock

First Bank
Hampton

1450 East Zion Road, #10
Fayetteville

Today's Bank
Huntsville

5178 West Sunset Avenue
Springdale

Bank of the Ozarks
Little Rock

1036 William Hilton Parkway
Hilton Head Island, South Carolina

Bank of the Ozarks
Little Rock

1990 Post Oak Boulevard
Houston, Texas

Central Bank
Little Rock

5000 West Markham Street
Little Rock

Heartland Bank
Little Rock

1 Information Way, Suite 300
Little Rock

Gateway Bank
Rison

901 M.L.K. Boulevard, Suite 100
Malvern

First Security Bank
Searcy

4129 Central Avenue
Hot Springs

Arkansas State Bank Department

12

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

First Financial Bank

El Dorado

Cornerstone Bank

Eureka Springs

FBT Bank & Mortgage

Fordyce

Bank of Gravett

Gravette

First Service Bank

Greenbrier

Today's Bank

Huntsville

First Arkansas Bank & Trust

Jacksonville

Little River Bank

Lepanto

Heartland Bank

Little Rock

Farmers Bank and Trust Company

Magnolia

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

One Hundred and First Report

RiverBank

Pocahontas

Gateway Bank

Rison

Riverside Bank

Sparkman

United Bank

Springdale

Bank of Star City

Star City

Warren Bank and Trust Company

Warren

13

14

Arkansas State Bank Department

The following is a statement reflecting deposits and disbursements of the
State Bank Department from July 1, 2014, through June 30, 2015.

RECEIPTS
Cash Balance July 1, 2014 ........................................................ $6,403,502.91
Examination and Assessment Fees........................ 8,311,192.97
Charter and Amendment Fees..................................... 72,375.00
Interstate Sharing Fees ................................................ 45,935.00
Miscellaneous/Non-Revenue Income ............................ 1,285.67
Reimbursement for M & R Sales ................................. 18,717.78
Refund to Expenditures − Prior Year ................................ 214.35
Refund to Expenditures− Current Year ........................ 14,330.65
Total Receipts
8,464,051.42
$14,867,554.33

DISBURSEMENTS
Salaries ................................................................... 4,865,368.11
Extra Help Salaries ............................................................... 0.00
S.S., Retirement and Insurance
Matching .............................................................. 1,440,993.53
Maintenance and General Operations .................... 1,043,642.49
Conference Fees and Travel ..................................... 252,019.87
Professional Fees and Services .................................. 37,299.45
Capital Outlay .............................................................. 54,057.78
Refunds Issued ..................................................................... 0.00
Service Charge by State Treasurer ........................... 134,872.05
Total Disbursements
7,828,253.28
Cash Balance June 30, 2015
7,039,301.05
$14,867,554.33

One Hundred and First Report

FEDERAL DEPOSIT INSURANCE CORPORATION
Dallas Regional Office
1601 Bryan Street
Dallas, Texas 75201
VOICE: (214) 754-0098
FAX: (972) 761-2082
http://www.fdic.gov
Kristie K. Elmquist .............. Regional Director/Supervision/Consumer Protection
Serena Owens................................ Deputy Regional Director/Risk Management
Julie Banfield ............................. Deputy Regional Director/Consumer Protection
Nathan Heizer ............................. Assistant Regional Director/Risk Management
Mark Taylor.................................. Assistant Regional Director/Risk Management
John Perez .................................. Assistant Regional Director/Risk Management
Joe Meade ................................... Assistant Regional Director/Risk Management
Art Kahn ................................................. Assistant Regional Director/Compliance
Stephen Zachary ....................................................................... Regional Counsel
Memphis Area Office
6060 Primacy Parkway, Suite 300
Memphis, Tennessee 38119-5770
VOICE: (901) 685-1603
FAX: (901) 821-5308
Dana English ............................... Assistant Regional Director/Risk Management
Chris Finnegan ...................................... Assistant Regional Director/Compliance
Little Rock Field Office
Financial Centre III Building
900 South Shackleford Road, Suite 500
Little Rock, Arkansas 72211
VOICE: (501) 228-6346
FAX: (501) 228-6568
Kristy Frame .................................................. Field Supervisor/Risk Management
Polly Radford ................................................ Acting Field Supervisor/Compliance
Memphis Field Office
5100 Poplar Avenue, Suite 1900
Memphis, Tennessee 38137
VOICE: (901) 685-1603
FAX: (901) 818-1645
Eric Guyot ...................................................... Field Supervisor/Risk Management
Polly Radford ................................................ Acting Field Supervisor/Compliance
Shreveport Field Office
Southpointe Center
3007 Knight Street, Suite 300
Shreveport, Louisiana 71105-2525
VOICE: (318) 868-6661
FAX: (318) 868-7870
Victor Ingram ................................................. Field Supervisor/Risk Management
Sandra Jesberger .................................................... Field Supervisor/Compliance

15

16

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 ....................................................................... Senior Vice President
Karen Branding ........................................................................ Senior Vice President
Public and Community Affairs
Cletus C. Coughlin .................................................................. Senior Vice President
& Deputy Director of Research
Mary H. Karr ............................................................................. Senior Vice President
General Counsel & Corporate Secretary
Kathleen O. Paese ................................................................... Senior Vice President
Treasury Relations & Office Support
Julie L. Stackhouse .................................................................. Senior Vice President
Banking Supervision, Credit and Center for Learning Innovation
Christopher J. Waller................................................................ Senior Vice President
Director of Research
Timothy Brown .....................................................................................Vice President
Cash Management/Administration
Timothy A. Bosch ................................................................................. Vice President
Banking Supervision
Marilyn K. Corona ................................................................................ Vice President
Financial Management
Anna Hart ............................................................................................. Vice President
Human Resources
Michael J. Mueller ................................................................................ Vice President
Support Services

One Hundred and First Report

FEDERAL RESERVE BANK OF ST. LOUIS
DISTRICT NO. 8
(Continued)
Carl White .............................................................................................Vice President
Risk Management, Statistics, Credit & Payment Applications
Michael D. Renfro .............................................................................. General Auditor
Audit
Little Rock Branch
111 Center Street
th
Suite 1000 (10 Floor)
Little Rock, Arkansas 72201
VOICE: (501) 324-8300
FAX: (501) 324-8201
Robert A. Hopkins .................................................................Senior Branch Executive
Memphis Branch
200 North Main Street
P. O. Box 407
Memphis, Tennessee 38101-0407
VOICE: (901) 523-7171
FAX: (901) 579-2406
Martha L. Perine-Beard.........................................................Senior Branch Executive
Louisville Branch
101 South 5th Street, Suite 1920
Louisville, Kentucky 40202
VOICE: (502) 568-9200
FAX: (502) 568-9247
Maria G. Hampton .................................................................Senior Branch Executive

17

18

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.gov
Gilbert D. Barker........................................................................ Deputy Comptroller
Hub Thompson ............................................... Acting Assistant Deputy Comptroller
Randall M. Ryskamp ........................................................................District Counsel
Karen Bryant............................................................................... Licensing Manager
Little Rock Field Office
1401 West Capitol Avenue, Suite 350
Little Rock, Arkansas 72201-2915
VOICE: (501) 707-6400
FAX: (501) 225-2711
Scott Morey .................................................... Acting Assistant Deputy Comptroller
Memphis Field Office (Satellite Office of Arkansas Field Office)
Kimbrough Building, Suite 309
57 Germantown Court
Cordova, Tennessee 38018-4268
VOICE: (901) 248-0224
FAX: (901) 624-5822
Scott Morey .................................................... Acting Assistant Deputy Comptroller
Central and Western Oklahoma Field Office
The Harvey Parkway Building
301 NW 63rd Street, Suite 490
Oklahoma City, Oklahoma 73116-7909
VOICE: (405) 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
Carey Phillipi.............................................................. Assistant Deputy Comptroller

One Hundred and First Report

CONSUMER FINANCIAL PROTECTION BUREAU
1700 G Street NW
Washington, D.C. 20552
VOICE: (202) 435-7000
Fax: (202) 435-7329
http://www.consumerfinance.gov
Richard Cordray.............................................................................................. Director
Meredith Fuchs......................................................................... Acting Deputy Director
Chris D’Angelo ......................................................................................... Chief of Staff
Stuart Ishimaru ............................................... Office of Equal Opportunity & Fairness
Assistant Director
Stuart Ishimaru ..................................................Office of Minority & Women Inclusion
Assistant Director
M. Stacey Bach ............................................................................ Office of Civil Rights
Assistant Director
Sartaj Alag ............................................................................... Chief Operating Officer
Associate Director
Gail Hillabrand ................................................... Consumer Education & Engagement
Associate Director
David Bleicken...........................................Supervision, Enforcement, & Fair Lending
Associate Director
David Silberman ..................................................... Research, Markets & Regulations
Associate Director
Zixta Martinez ....................................................................................... External Affairs
Associate Director
Meredith Fuchs....................................................................... Legal, General Counsel
Associate Director

19

20

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
William R. Holmes ......................................................................... President & CEO
Robert Taylor ............................................................................................. Chairman
President & CEO
Parkway Bank, Rogers
Sean Williams................................................................................... Chairman-Elect
President & CEO
The First National Bank of Wynne, Wynne
Dave Dickson .................................................................................... Vice-Chairman
President
Union Bank and Trust Company, Monticello
Judy Lawton .............................................................................................. Treasurer
Chief Financial Officer
Heartland Bank, Little Rock
Charles Morgan ................................................................................. Past Chairman
President & CEO
Relyance Bank, National Association, Pine Bluff

One Hundred and First Report

EMERGING LEADERS SECTION OFFICERS
Kevin Thompson ........................................................................................ President
Senior Vice President, Lending
Centennial Bank, Conway
Blake Fletcher ....................................................................................Vice President
Senior Vice President, Commercial Lending
Arvest Bank, Fayetteville
John Anderson ......................................................................... Secretary/Treasurer
Assistant Vice President, Commercial Lending
Relyance Bank, Pine Bluff

21

22

Arkansas State Bank Department

ARKANSAS COMMUNITY BANKERS ASSOCIATION
P. O. Box 20210
Hot Springs, Arkansas 71903-0210
VOICE: (800) 771-1634
FAX: (501) 525-0637
E−Mail: info@arcommunitybankers.com
http://www.arcommunitybankers.com
Richard Trammell .......................................................................... Executive Director
Martin Carpenter ......................................................................................... President
FNBC Bank, Ash Flat
Bennie Ryburn, III................................................................................. Vice President
Commercial Bank & Trust Company, Monticello
Jim Gowen, Jr. ............................................................................................ Treasurer
Merchants & Planters Bank, Newport
Gary Oltmann .............................................................................................. Secretary
Arkansas County Bank, DeWitt
Milton Smith .......................................................................................... Past President
First National Bank of Lawrence County, Walnut Ridge

One Hundred and First Report

23

CONFERENCE OF STATE BANK SUPERVISORS
th

th

1129 20 Street, NW, 9 Floor
Washington, DC 20036
VOICE: (202) 296-8040
FAX: (202) 296-1928
http://www.csbs.org
John Ryan ........................................................................................President & CEO
Mike Stevens ........................................................... Senior Executive Vice President
John “Buz” Gorman .......................................................................... General Counsel
Tom Harlow ...............................Executive Vice President/Finance & Administration
Bill Matthews ........................ Executive Vice President, President and CEO of SRR
Jim Cooper....... ......................................... Senior Vice President, Regulatory Policy
Chuck Cross ....................................... Senior Vice President, Consumer Protection
& Non-Depository Supervision
Tim Doyle ......................................................... Senior Vice President of SRR Policy
Margaret Liu ...................................Senior Vice President, Deputy General Counsel
Vickie Slater.............................................. Senior Vice President of SRR Operations
Roger Stromberg ......................... Senior Vice President, Professional Development
Mary Beth Quist......................................... Senior Vice President, Bank Supervision
Georgia High .................................................................Vice President, Accreditation
Sebastien Monnet ...................................Vice President, Professional Development
H. Catherine Woody ........................ Vice President of Media and Industry Relations
Tom McVey .................................................................. Director of Learning Services
Kyle Thomas .............................................. Director of Bank Supervisory Processes
Cecelia Smith ........................................................... Senior Manager, Administration

Arkansas State Bank Department

24

CONSOLIDATED REPORT OF CONDITION DATA
83 STATE CHARTERED COMMERCIAL BANKS
(in millions)
JUNE 30, 2015
ASSETS
Cash and balances due from depository institutions:
a. Noninterest-bearing balances and currency and coin ....................................... $926
b. Interest-bearing balances ................................................................................. 1,472
Securities:
a. Held to maturity .................................................................................................... 888
b. Available-for sale............................................................................................. 12,454
Federal funds sold and
securities purchased under agreements to resell ..................................................... 449
Net Loans and Leases.................................................................................................... 35,299
Trading assets ......................................................................................................................... 0
Premises and fixed assets ................................................................................................ 1,420
Other real estate owned ...................................................................................................... 282
Goodwill and other intangibles ......................................................................................... 1,309
All other assets ................................................................................................................. 1,572
Total assets ................................................................................................................... $56,071
LIABILITIES
Deposits:
a. In domestic offices ........................................................................................ $45,445
(1) Noninterest-bearing ....................................................................7,447
(2) Interest-bearing.........................................................................37,998
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 ...................................................... 816
Trading liabilities ...................................................................................................................... 0
Other borrowed money .....................................................................................................2,604
Subordinated notes and debentures ....................................................................................... 2
All other liabilities ................................................................................................................. 378
Total liabilities.................................................................................................................. 49,245
EQUITY CAPITAL
Minority interest in consolidated subsidiaries .......................................................................... 4
Perpetual preferred stock ........................................................................................................ 3
Common stock ....................................................................................................................... 17
Surplus .............................................................................................................................. 3,491
Undivided profits ............................................................................................................... 3,311
Total equity capital ............................................................................................................6,826
Total liabilities, minority interest and equity capital.......................................................$56,071

One Hundred and First Report

25

CONSOLIDATED STATEMENT OF CONDITION OF THE
44 STATE CHARTERED TRUST DEPARTMENTS
(in millions)
JUNE 30, 2015
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 .................................................................. $18
b. Other Institutions .................................................................................................. 5
Interest Bearing Deposits:
a. Own Bank and Affiliate Institutions .................................................................. 235
b. Other Institutions .............................................................................................. 368
U.S. Government and Agency Obligations ................................................................ 560
State, County and Municipal Obligations ................................................................... 692
Other Short-Term Obligations...................................................................................... .14
Other Notes and Bonds .............................................................................................. 266
Money Market Funds .................................................................................................. 634
Other Mutual Funds .................................................................................................... 715
Stocks.......................................................................................................................2,523
Collective Investment Fund Units ............................................................................... 979
Real Estate Mortgages ................................................................................................ .10
Real Estate.................................................................................................................. 327
Miscellaneous Assets ................................................................................................. 732
Other ............................................................................................................................(5)
Total .....................................................................................................................$8,073

LIABILITIES
Personal Accounts:
16. Personal Trusts ..................................................................................................... $1,369
17. Estates & Guardianships ..............................................................................................31
18. Investment Management & Advisory.......................................................................1,720
19. Custodial………….. ....................................................................................................694
20. Agencies………….......................................................................................................134
Employee Benefit Accounts:
21. Trusts .......................................................................................................................1,281
22. Agencies ..................................................................................................................... 863
23. Custodial ..................................................................................................................... 295
Corporate and Municipal Securities Appointments:
24. Bond Trusteeships ...................................................................................................... 630
25. Agencies ....................................................................................................................... 76
Collective Investment Funds:
26. Personal ...................................................................................................................... 825
27. Employee Benefit ........................................................................................................ 154
28. Other .............................................................................................................................. 0
Internal Accounts
29. Profit Accounts ................................................................................................................ 0
30. Suspense Accounts ........................................................................................................ 1
31. Total………………………………………… ............…………………………………$8,073

Arkansas State Bank Department

26

CONSOLIDATED REPORT OF CONDITION DATA
22 NATIONAL BANKS
(in millions)
JUNE 30, 2015
ASSETS
Cash and balances due from depository institutions:
a. Noninterest-bearing balances and currency and coin ....................................... $256
b. Interest-bearing balances .................................................................................... 507
Securities:
a. Held-to-maturity................................................................................................. 1,045
b. Available-for-sale .............................................................................................. 1,935
Federal funds sold and
securities purchased under agreements to resell ....................................................... 67
Net loans and leases ........................................................................................................ 9,015
Trading assets ......................................................................................................................... 5
Premises and fixed assets ................................................................................................... 369
Other real estate owned ........................................................................................................ 76
Goodwill and other intangibles ............................................................................................ 314
All other assets .................................................................................................................... 516
Total assets ................................................................................................................... $14,105
LIABILITIES
Deposits:
a. In domestic offices ........................................................................................ $11,700
(1) Noninterest-bearing ....................................................................2,495
(2) Interest-bearing...........................................................................9,205
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 ...................................................... 127
Trading liabilities ...................................................................................................................... 0
Other borrowed money…. .................................................................................................. .431
Subordinated notes and debentures ....................................................................................... 0
All other liabilities ................................................................................................................. 100
Total liabilities.................................................................................................................. 12,358
Minority interest in consolidated subsidiaries .......................................................................... 0
EQUITY CAPITAL
Perpetual preferred stock ........................................................................................................ 0
Common stock ....................................................................................................................... 11
Surplus .............................................................................................................................. 1,023
Undivided profits .................................................................................................................. 713
Total equity capital ............................................................................................................ 1,747
Total liabilities, minority interest and equity capital ......................................................$14,105

One Hundred and First Report

27

TIER ONE LEVERAGE RATIOS
FOR ALL ARKANSAS COMMERCIAL BANKS
JUNE 30, 2015
BANK

CITY

Southern Bancorp Bank
FNBC
The Bank of Augusta
The Citizens Bank
First Community Bank
Bank of Bearden
First National Bank of North Arkansas
Farmers Bank And Trust Company
First Western Bank
Community State Bank
The First National Bank of Izard County
Bank of Cave City
The Merchants and Planters Bank
Centennial Bank
First National Bank of Crossett
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 and Farmers Bank
First Financial Bank
Bank of England
Cornerstone Bank
Arvest Bank
Signature Bank of Arkansas
The Bank of Fayetteville
Twin Lakes Community Bank
FBT Bank & Mortgage
First National Bank of Eastern Arkansas
Forrest City Bank, National Association
The First National Bank of Fort Smith
Bank of Gravett

Arkadelphia
Ash Flat
Augusta
Batesville
Batesville
Bearden
Berryville
Blytheville
Booneville
Bradley
Calico Rock
Cave City
Clarendon
Conway
Crossett
Crossett
Danville
Dardanelle
Delight
DeQueen
DeWitt
DeWitt
Dumas
El Dorado
England
Eureka Springs
Fayetteville
Fayetteville
Fayetteville
Flippin
Fordyce
Forrest City
Forrest City
Fort Smith
Gravette

RATIO
9.33
10.64
10.24
10.64
8.69
13.28
10.57
9.78
8.28
13.25
32.10
8.58
10.39
9.08
10.91
13.34
13.02
10.51
20.46
8.84
10.33
16.90
10.65
11.19
10.09
11.01
8.01
11.90
10.71
9.85
11.62
9.77
7.92
11.88
14.40

28

Arkansas State Bank Department

BANK

CITY

AnStaff Bank, National Association
First Service Bank
Farmers Bank
Farmers Bank
First Bank
Community First Bank
Helena National Bank
Horatio State Bank
Today's Bank
First Arkansas Bank & Trust
Bank of Lake Village
Little River Bank
Bank of Little Rock
Bank of the Ozarks
Bear State Bank, National Association
Central Bank
Eagle Bank & Trust Company
Heartland Bank
One Bank & Trust, National Association
The Capital Bank
First State Bank
Farmers Bank and Trust Company
The Peoples Bank
The Malvern National Bank
First Community Bank of Eastern Arkansas
First Delta Bank
Bank of McCrory
McGehee Bank
The First National Bank of McGehee
The Union Bank of Mena
Commercial Bank & Trust Company
Union Bank And Trust Company
Petit Jean State Bank
Integrity First Bank, National Association
Ozark Heritage Bank, National Association
Allied Bank
Diamond Bank
Merchants & Planters Bank
First National Bank
The First National Bank at Paris
Piggott State Bank

Green Forest
Greenbrier
Greenwood
Hamburg
Hampton
Harrison
Helena - W. Helena
Horatio
Huntsville
Jacksonville
Lake Village
Lepanto
Little Rock
Little Rock
Little Rock
Little Rock
Little Rock
Little Rock
Little Rock
Little Rock
Lonoke
Magnolia
Magnolia
Malvern
Marion
Marked Tree
McCrory
McGehee
McGehee
Mena
Monticello
Monticello
Morrilton
Mountain Home
Mountain View
Mulberry
Murfreesboro
Newport
Paragould
Paris
Piggott State Bank

RATIO
10.81
10.31
18.77
11.00
9.12
11.27
13.87
11.26
15.26
15.28
10.91
12.52
10.13
14.13
10.74
15.44
11.38
13.06
4.13
8.29
9.80
8.70
9.78
10.48
11.03
10.20
9.70
15.78
11.15
10.29
9.78
9.35
11.56
11.00
13.02
7.59
9.98
9.02
11.41
11.38
8.69

One Hundred and First Report

BANK

CITY

Relyance Bank, National Association
Simmons First National Bank
RiverBank
Home Bank of Arkansas
Bank of Prescott
Gateway Bank
Parkway Bank
Pinnacle Bank
First State Bank
Bank of Salem
Logan County Bank
First Security Bank
Peoples Bank
Smackover State Bank
Riverside Bank
Legacy National Bank
United Bank
Bodcaw Bank
Bank of Star City
Security Bank
The Farmers & 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 National Bank
Cross County Bank
The First National Bank of Wynne

Pine Bluff
Pine Bluff
Pocahontas
Portland
Prescott
Rison
Rogers
Rogers
Russellville
Salem
Scranton
Searcy
Sheridan
Smackover
Sparkman
Springdale
Springdale
Stamps
Star City
Stephens
Stuttgart
Van Buren
Walnut Ridge
Warren
Warren
West Memphis
West Memphis
Wynne
Wynne

29

RATIO
13.50
10.74
12.81
10.04
13.00
12.91
9.79
11.17
11.18
12.58
18.58
13.65
14.46
11.22
9.27
12.04
15.72
11.49
14.41
8.87
13.27
11.58
8.96
10.74
15.53
8.25
10.29
11.98
10.06

30

Arkansas State Bank Department

NATIONAL BANKS
HEADQUARTERED IN ARKANSAS
JUNE 30, 2015
(000’s omitted)
BANK

CITY

First National Bank of North Arkansas
The First National Bank of Izard County
First National Bank of Crossett
First National Bank of Eastern Arkansas
Forrest City Bank, National Association
The First National Bank of Fort Smith
Anstaff Bank, National Association
Helena National Bank
Bear State Bank, National Association
One Bank & Trust, National Association
The Malvern National Bank
The First National Bank of McGehee
Integrity First Bank, National Association
Ozark Heritage Bank, National Association
First National Bank
The First National Bank at Paris
Relyance Bank, National Association
Simmons First National Bank
Legacy National Bank
The First National Bank of Lawrence County
Fidelity National Bank
The First National Bank of Wynne

Berryville
Calico Rock
Crossett
Forrest City
Forrest City
Fort Smith
Green Forest
Helena – W. Helena
Little Rock
Little Rock
Malvern
McGehee
Mountain Home
Mountain View
Paragould
Paris
Pine Bluff
Pine Bluff
Springdale
Walnut Ridge
West Memphis
Wynne

ASSETS
183,026
160,347
137,293
376,309
51,869
1,212,207
429,956
191,904
1,448,243
326,129
475,862
52,019
416,948
88,977
981,290
134,326
561,245
5,692,003
341,030
188,318
383,335
272,859

REPORT OF THE

EIGHTY-THREE

STATE CHARTERED

COMMERCIAL BANKS

JUNE 30, 2015

32

Arkansas State Bank Department

Southern Bancorp Bank
Arkadelphia, AR
VOICE: (870) 246-5811
FAX: (870) 246-5284
Trust Powers: Yes

605 Main Street
71923-0248

Charter Number: 142
Date: September 28, 1903
FDIC Certificate Number: 1528
Home Page: www.banksouthern.com
Member of Federal Reserve System
Bank Holding Company
Southern Bancorp Inc., Arkadelphia, AR
Chm: Sherman E. Tate
CEO/Pres: John Olaimey

Cash and Due from:.................................... 26,615
Federal Funds and Repos: .................................. 1
Investments: ............................................. 198,263
Net Loans: ................................................ 793,309
Premises and Fixed Assets:........................ 44,113
Other Real Estate: ........................................ 5,507
Other Assets: .............................................. 84,834
Total Assets: .......................................... 1,152,642
Total Trust Assets: ...................................... 17,944

Deposits: .................................................. 929,844
Federal Funds and Borrowings: .................. 80,070
Other Liabilities: ............................................ 3,950
Subordinated Debt: .............................................. 0
Total Liabilities: ...................................... 1,013,864
Total Equity Capital: .................................. 138,778
Total Liabilities and Capital: ................... 1,152,642
Number of Shares Outstanding: .................. 24,000

Directors: Hugh Arant, Jr.; Jerry Damerow; Kim Evans; Mike Montgomery; Walter Morris,
Jr.; John Olaimey; 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], Gosnell, Greenville[MS] (2),
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], Picayune[MS], Ruleville[MS], Shelby[MS]
(2), Sledge[MS], Trumann, Webb[MS]

One Hundred and First Report

33

FNBC Bank
Ash Flat, AR
VOICE: (870) 994-2311
FAX: (870) 257-1889
Trust Powers: No

CEO: Martin Carpenter
Pres: Marty Sellars

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
EVP: Dana Batterton
EVP/CFO: Michael Burris

Cash and Due from: ...................................... 7,834
Federal Funds and Repos: .................................. 0
Investments: .............................................. 100,853
Net Loans:................................................. 232,507
Premises and Fixed Assets: ........................ 12,636
Other Real Estate: .........................................1,160
Other Assets: .............................................. 12,697
Total Assets: ............................................. 367,687
Total Trust Assets: .............................................. 0

Deposits: ...................................................264,441
Federal Funds and Borrowings: ...................60,555
Other Liabilities:.............................................7,386
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 332,382
Total Equity Capital: ....................................35,305
Total Liabilities and Capital: .......................367,687
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, Mammoth Spring,
Melbourne, Mountain Home, Salem

The Bank of Augusta
Augusta, AR
VOICE: (870) 347-2511
FAX: (870) 347-2654
Trust Powers: Yes

100 South Second Street
72006-0120

Charter Number: 669
Date: February 20, 1935
FDIC Certificate Number: 15035
Home Page: www.bankofaugusta.com
Bank Holding Company
None
Chm/CEO: Charles P. Eldridge
EVP: Mark Rezanka
Pres: William D. "Bill" Patton
EVP/TO: Martha Ray
Cash and Due from: ...................................... 1,680
Federal Funds and Repos: ............................4,250
Investments: ................................................ 26,606
Net Loans:................................................... 51,543
Premises and Fixed Assets: .............................626
Other Real Estate: ..............................................49
Other Assets: ................................................3,473
Total Assets: ............................................... 88,227
Total Trust Assets: ........................................4,044

Deposits: .....................................................77,399
Federal Funds and Borrowings: ........................... 0
Other Liabilities:.............................................1,987
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................79,386
Total Equity Capital: ......................................8,841
Total Liabilities and Capital: .........................88,227
Number of Shares Outstanding: ....................8,000

Directors: Dr. Steven Collier; Winston Collier; W. P. Daniel, Jr.; W. P. Daniel, III; Charlie
Eldridge; Mark Eldridge; R. E. Gregory, Jr.; Ronald Jones
Branches in Town: One
Other Branches: Searcy

34

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:.................................... 12,236
Federal Funds and Repos: .................................. 0
Investments: ............................................. 160,896
Net Loans: ................................................ 754,881
Premises and Fixed Assets:........................ 26,566
Other Real Estate: ...................................... 10,054
Other Assets: .............................................. 26,795
Total Assets: ............................................. 991,428
Total Trust Assets: .................................... 102,084

Deposits: .................................................. 770,458
Federal Funds and Borrowings: ................ 133,788
Other Liabilities: ............................................ 2,782
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 907,028
Total Equity Capital: .................................... 84,400
Total Liabilities and Capital: ...................... 991,428
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: Two
Other Branches:
Bald Knob, Cabot, Cave City,
Cherokee
Village,
Goodman[MO],
Jane[MO],
Jonesboro, Mountain Home, Neosho[MO] (2), Searcy
(3)

The Citizens Bank
Batesville, AR
VOICE: (870) 793-4441
FAX: (870) 698-6299
Trust Powers: Yes

200 South Third Street
72503-2156

Charter Number: 705
Date: February 19, 1953
FDIC Certificate Number: 17211
Home Page: www.thecitizensbank.net
Member of Federal Reserve System
Bank Holding Company
Citizens Bancshares of Batesville, Inc., Batesville, AR
CEO/Pres: Phil Baldwin
SVP/TO: Robin Brock
SVP/CFO: Karen Shaw
Cash and Due from:.................................... 21,471
Federal Funds and Repos: ........................... 5,100
Investments: ............................................. 181,829
Net Loans: ................................................ 331,775
Premises and Fixed Assets:.......................... 9,523
Other Real Estate: ........................................ 1,339
Other Assets: .............................................. 11,759
Total Assets: ............................................. 562,796
Total Trust Assets: .................................... 143,094

Deposits: .................................................. 437,089
Federal Funds and Borrowings: .................. 63,399
Other Liabilities: ............................................ 1,771
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 502,259
Total Equity Capital: .................................... 60,537
Total Liabilities and Capital: ...................... 562,796
Number of Shares Outstanding: .................. 16,500

Directors: Phil Baldwin; Dr. Lackey G. Moody, M.D.; Doyle "Rog" Rogers, Jr.; Jay F. Shell;
Kay Southerland; Jeffery F. Teague; Paula Terrell
Branches in Town: Four
Other Branches: Cave City, Fayetteville, Hot Springs
(2), Imboden, Mountain View, Pleasant Plains

One Hundred and First Report

35

Bank of Bearden
Bearden, AR
VOICE: (870) 687-2233
FAX: (870) 687-2474
Trust Powers: No

Chm/Pres: Rick Green
EVP: Ken Riley

#1 Second Street
71720-0135

Charter Number: 688
Date: June 17, 1945
FDIC Certificate Number: 16282

Bank Holding Company
Bearden Bancshares, Inc., Bearden, AR
VP: Donnie Castleberry
VP/Cash: Susan Lusby

Cash and Due from: ...................................... 6,367
Federal Funds and Repos: ............................4,025
Investments: ................................................ 10,132
Net Loans:................................................... 23,857
Premises and Fixed Assets: ...............................91
Other Real Estate: ............................................... 5
Other Assets: ...................................................192
Total Assets: ............................................... 44,669
Total Trust Assets: .............................................. 0

Deposits: .....................................................38,660
Federal Funds and Borrowings: ........................... 0
Other Liabilities:................................................. 35
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................38,695
Total Equity Capital: ......................................5,974
Total Liabilities and Capital: .........................44,669
Number of Shares Outstanding: ....................8,300

Directors: John E. Anthony; Steven M. Anthony; Rick Green; Ronald A. Ramsay; Ken
Riley; Russell G. Weatherly; 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.farmersbankbly.com
Member of Federal Reserve System
Bank Holding Company
Farmers Bancorp, Inc., Blytheville, AR
Chm/CEO: Steve Bell
CFO: Shelly Crosskno
Pres/COO: Randy Scott
AVP/TO: Mary Lee
Cash and Due from: .................................... 12,138
Federal Funds and Repos: .................................. 0
Investments: ................................................ 22,597
Net Loans:................................................. 366,810
Premises and Fixed Assets: ..........................7,757
Other Real Estate: .........................................4,020
Other Assets: .............................................. 11,099
Total Assets: ............................................. 424,421
Total Trust Assets: ...................................... 23,519

Deposits: ...................................................361,032
Federal Funds and Borrowings: ...................20,220
Other Liabilities:.............................................2,009
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 383,261
Total Equity Capital: ....................................41,160
Total Liabilities and Capital: .......................424,421
Number of Shares Outstanding: ..................40,000

Directors: Dan B. Andrews, Jr.; Steve Bell; Paula O. Blackwell; Ronny Goff; John
Langston; Drew G. Lawrence; Gaylon M. Lawrence, Jr.; Randy Scott; Harold Sudbury, Jr.;
Tommy W. Wagner, Jr.
Branches in Town: Four
Other Branches: Franklin[TN], Manila, Nashville[TN]

36

Arkansas State Bank Department

First Western Bank
Booneville, AR
VOICE: (479) 936-2000
FAX: (479) 878-3465
Trust Powers: Yes

80 West Main
72927-0238

Charter Number: 397
Date: April 18, 1910
FDIC Certificate Number: 13083
Home Page: www.fwbank.com
Member of Federal Reserve System
Bank Holding Company
First Western Bancshares, Inc., Booneville, AR
Chm/CEO: John T. Hampton
EVP/COO: Lynne Coan
Pres/COO: Steve Gramling
SVP/CFO: Andrea Shepherd
Cash and Due from:.................................... 16,351
Federal Funds and Repos: .................................. 0
Investments: ............................................... 19,155
Net Loans: ................................................ 261,640
Premises and Fixed Assets:........................ 10,199
Other Real Estate: ........................................ 6,154
Other Assets: .............................................. 13,295
Total Assets: ............................................. 326,794
Total Trust Assets: ............................................... 0

Deposits: .................................................. 288,593
Federal Funds and Borrowings: .................... 7,350
Other Liabilities: ............................................ 3,306
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 299,249
Total Equity Capital: .................................... 27,545
Total Liabilities and Capital: ...................... 326,794
Number of Shares Outstanding: ................ 100,000

Directors: Dan Brown; Clay Conly; Matt Crafton; Steve Gramling; John T. Hampton; John
Mack; David Remy; Dale Webster; Johnny Williams; Jane Woolley
Branches in Town: One
Other Branches: Bella Vista, Caulksville, Fort Smith,
Magazine, Rogers (3)

Community State Bank
Bradley, AR
VOICE: (870) 894-3322
FAX: (870) 894-3324
Trust Powers: No

CEO/Pres: Bob Genestet
EVP/SLO: Sherri Jones

208 West Fourth Street
71826-0120

Charter Number: 653
Date: April 10, 1933
FDIC Certificate Number: 5619

Bank Holding Company
Allcorp, Inc., Little Rock, AR
VP/Cash: Regina Smith

Cash and Due from:...................................... 1,574
Federal Funds and Repos: .................................. 0
Investments: ................................................. 7,017
Net Loans: .................................................... 7,145
Premises and Fixed Assets:............................. 481
Other Real Estate: ............................................... 0
Other Assets: ................................................... 777
Total Assets: ............................................... 16,994
Total Trust Assets: ............................................... 0

Deposits: .................................................... 14,068
Federal Funds and Borrowings: ........................... 0
Other Liabilities: ................................................. 33
Subordinated Debt: .............................................. 0
Total Liabilities: ........................................... 14,101
Total Equity Capital: ...................................... 2,893
Total Liabilities and Capital: ........................ 16,994
Number of Shares Outstanding: .................. 10,000

Directors: Bob Genestet; Alex Golden; Ellen Golden; Lex Golden; Amy McCay
Branches in Town: None
Other Branches: None

One Hundred and First Report

37

Bank of Cave City
Cave City, AR
VOICE: (870) 283-5301
FAX: (870) 283-6466
Trust Powers: Yes

137 South Main Street
72521-0490

Charter Number: 209
Date: July 2, 1906
FDIC Certificate Number: 105
Home Page: www.bankofcavecity.com
Member of Federal Reserve System
Bank Holding Company
Sharp Bancshares, Inc., Cave City, AR
Chm: Samuel F. Beller
EVP/CFO: Dennis Esteb
CEO/Pres: John M. Beller
EVP/CLO: Gayla Hickman

Cash and Due from: ...................................... 4,397
Federal Funds and Repos: ............................2,400
Investments: ................................................ 18,216
Net Loans:................................................... 61,436
Premises and Fixed Assets: ..........................4,325
Other Real Estate: ............................................960
Other Assets: ................................................ 5,326
Total Assets: ............................................... 97,060
Total Trust Assets: .............................................. 0

Deposits: .....................................................81,589
Federal Funds and Borrowings: .....................5,434
Other Liabilities:.............................................1,712
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................88,735
Total Equity Capital: ......................................8,325
Total Liabilities and Capital: .........................97,060
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: Evening Shade, Lynn, Strawberry

The Merchants and Planters Bank
Clarendon, AR
VOICE: (870) 747-3319
FAX: (870) 747-3498
Trust Powers: No

297 Madison Street
72029-0280

Charter Number: 21
Date: July 23, 1890
FDIC Certificate Number: 107

Bank Holding Company
Clarendon Holding Co., Clarendon, AR
Chm: J. Baxter Sharp, III
Pres: J. Kendall Henry
Cash and Due from: ...................................... 2,030
Federal Funds and Repos: ............................4,275
Investments: ................................................ 31,764
Net Loans:..................................................... 9,593
Premises and Fixed Assets: .............................303
Other Real Estate: ..............................................25
Other Assets: ...................................................370
Total Assets: ............................................... 48,360
Total Trust Assets: .............................................. 0

Deposits: .....................................................43,194
Federal Funds and Borrowings: ........................... 0
Other Liabilities:............................................... 135
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................43,329
Total Equity Capital: ......................................5,031
Total Liabilities and Capital: .........................48,360
Number of Shares Outstanding: ....................5,660

Directors: James W. Faulkner; J. Kendall Henry; B. J. Hopson; E. Davidson Lee; Kirby
Meacham, Jr.; J. Baxter Sharp, III
Branches in Town: None
Other Branches: None

38

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: John W. Allison
EVP: Kevin Hester
CEO/Pres: Tracy French
CFO: Brian Davis
Cash and Due from:.................................. 208,222
Federal Funds and Repos: .................................. 0
Investments: .......................................... 1,416,994
Net Loans: ............................................. 5,598,662
Premises and Fixed Assets:...................... 209,425
Other Real Estate: ...................................... 21,010
Other Assets: ............................................ 607,212
Total Assets: .......................................... 8,061,525
Total Trust Assets: .................................... 444,530

Deposits: ............................................... 5,969,410
Federal Funds and Borrowings: ............. 1,017,652
Other Liabilities: .......................................... 50,611
Subordinated Debt: .............................................. 0
Total Liabilities: ...................................... 7,037,673
Total Equity Capital: ............................... 1,023,852
Total Liabilities and Capital: ................... 8,061,525
Number of Shares Outstanding: .................... 2,400

Directors: Milburn Adams; Robert H. Adcock, Jr.; John W. Allison; Rick Ashley; William C.
Brazil; Dale Bruns; Jack Engelkes; William J. Farris, Jr.; Tracy French; Kevin Hester; Randy
E. Mayor; Jim Rankin, Jr.; C. Randall Sims
Branches in Town: Six
Other Branches: Apalachicola[FL], Atkins, Batesville
(2), Beebe (2), Bentonville, Big PIne Key[FL],
Blountstown[FL], Bristol[FL], Bryant, Cabot (5),
Carrabelle[FL],
Clarksville,
Clermont[FL],
Crawfordville[FL] (2), Dade City[FL], Daphne[AL],
Dardanelle, Destin[FL], Eastpoint[FL], Elberta[AL],
Fairhope[AL], Fayetteville (2), Foley[AL], Fordyce, Fort
Smith (2), Greenbrier, Gulf Shores[AL], Heber Springs,
Highland, Islamorada[FL], Jacksonville (3), Jonesboro
(6), 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 (2), Mountain Home (2),
Mountain View (2), Naples[FL], Navarre[FL], North Little
Rock (6), Oakland Park[FL], Orange Beach[AL],
Orlando[FL] (2), Panama City[FL], Panama City
Beach[FL] (2), Paragould (3), Pensacola[FL] (3), Plant
City[FL], Point Clear[AL], Port Charlotte[FL], Port Saint
Joe[FL], Pottsville, Punta Gorda[FL], Quitman, Rector,
Rogers, Russellville (3), Saint George Island[FL], Santa
Rosa Beach[FL] (3), Searcy (3), Sherwood (2), Siloam
Springs (2), Spring Hill[FL], Springdale, St. Cloud[FL],
Summerland Key[FL], Tallahassee[FL] (2), Tampa[FL],
Tontitown, Van Buren, Vilonia, Ward, Wesley
Chapel[FL], Wewahitchka[FL], Winter Haven[FL], Winter
Park[FL], Zephyrhills[FL]

One Hundred and First Report

39

First State Bank
Crossett, AR
VOICE: (870) 364-5131
FAX: (870) 364-6329
Trust Powers: No

200 Pine Street
71635-0638

Charter Number: 718
Date: May 13, 1963
FDIC Certificate Number: 18987
Home Page: www.fsbcrossett.com
Bank Holding Company
Evergreen Bancshares, Inc., Crossett, AR
Chm: Richard E. Griffin
VP: Tressie A. Mills
CEO/Pres: Howard M. Beaty, Jr.
VP: Edith Morrison
Cash and Due from: ...................................... 8,630
Federal Funds and Repos: ...............................250
Investments: ..................................................8,802
Net Loans:................................................... 15,126
Premises and Fixed Assets: ..........................1,290
Other Real Estate: ............................................462
Other Assets: ................................................ 1,104
Total Assets: ............................................... 35,664
Total Trust Assets: .............................................. 0

Deposits: .....................................................30,704
Federal Funds and Borrowings: ........................... 0
Other Liabilities:............................................... 298
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................31,002
Total Equity Capital: ......................................4,662
Total Liabilities and Capital: .........................35,664
Number of Shares Outstanding: ................ 100,000

Directors: Howard M. Beaty, Jr.; Patricia Draper; Richard E. Griffin; Harry D. Stephens, Jr.;
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/Cont: Landi Mkhize
Pres: Mike Donnell
CCO: John Moore
Cash and Due from: ...................................... 7,312
Federal Funds and Repos: .......................... 64,225
Investments: ................................................ 43,993
Net Loans:................................................. 510,177
Premises and Fixed Assets: ..........................9,982
Other Real Estate: ....................................... 23,093
Other Assets: .............................................. 28,020
Total Assets: ............................................. 686,802
Total Trust Assets: .............................................. 0

Deposits: ...................................................578,567
Federal Funds and Borrowings: .....................9,246
Other Liabilities:.............................................5,274
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 593,087
Total Equity Capital: ....................................93,715
Total Liabilities and Capital: .......................686,802
Number of Shares Outstanding: ..................10,000

Directors: Thomas Akin; Danny Bunting; John Ed Chambers, III; Bill Donnell; Mike Donnell;
Nathan George; Larry Hillyard; John O. Moore; Robert R. Redfern
Branches in Town: One
Other Branches: Amity, Bentonville, Dardanelle, Elkins
(2), Fayetteville, Fort Smith (2), Havana, Hot Springs,
Hot Springs Village, Mansfield, Mena, Springdale (2),
Waldron

40

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
EVP: Thomas C. Berryhill

Cash and Due from:...................................... 8,703
Federal Funds and Repos: ........................... 5,900
Investments: ............................................... 41,349
Net Loans: .................................................. 82,261
Premises and Fixed Assets:.......................... 6,367
Other Real Estate: ........................................... 831
Other Assets: ................................................ 3,547
Total Assets: ............................................. 148,958
Total Trust Assets: ............................................... 0

Deposits: .................................................. 128,616
Federal Funds and Borrowings: .................... 3,301
Other Liabilities: ............................................... 258
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 132,175
Total Equity Capital: .................................... 16,783
Total Liabilities and Capital: ...................... 148,958
Number of Shares Outstanding: .................... 8,000

Directors: Dee Abrams; Thomas C. Berryhill; Barbara Bullock; Bunny Bullock; William R.
Bullock, Sr.; Blake Tarpley
Branches in Town: One
Other Branches: Atkins, Conway, Danville, Dover,
Russellville

Bank of Delight
Delight, AR
VOICE: (870) 379-2293
FAX: (870) 379-2575
Trust Powers: No

503 East Antioch
71940-0068

Charter Number: 342
Date: June 16, 1911
FDIC Certificate Number: 99
Home Page: www.bankofdelight.com
Bank Holding Company
None
Chm/CEO: Darwin Hendrix
SVP: Rusty Silvey
Pres/COO: Vince Grimes
Cash and Due from:...................................... 6,889
Federal Funds and Repos: ........................... 2,275
Investments: ............................................... 13,896
Net Loans: .................................................. 60,948
Premises and Fixed Assets:............................. 379
Other Real Estate: ........................................... 358
Other Assets: ................................................ 1,012
Total Assets: ............................................... 85,757
Total Trust Assets: ............................................... 0

Deposits: .................................................... 64,987
Federal Funds and Borrowings: .................... 2,942
Other Liabilities: ............................................... 116
Subordinated Debt: .............................................. 0
Total Liabilities: ........................................... 68,045
Total Equity Capital: .................................... 17,712
Total Liabilities and Capital: ........................ 85,757
Number of Shares Outstanding: .................. 15,583

Directors: Gary Chambliss; Rodney Fagan; Darwin Hendrix; David B. Hendrix; John D.
Ledbetter; Jeff L. Milam; Rusty Silvey
Branches in Town: None
Other Branches: Prescott

One Hundred and First Report

41

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: J. Marc Jackson
CEO/Pres: Gary L. Golden
Reg Pres: Noel Bard
Cash and Due from: ...................................... 4,836
Federal Funds and Repos: ...............................500
Investments: ................................................ 43,271
Net Loans:................................................. 147,029
Premises and Fixed Assets: ..........................5,046
Other Real Estate: ............................................194
Other Assets: ................................................ 6,483
Total Assets: ............................................. 207,359
Total Trust Assets: .............................................. 0

Deposits: ...................................................180,290
Federal Funds and Borrowings: .....................7,045
Other Liabilities:.............................................2,546
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 189,881
Total Equity Capital: ....................................17,478
Total Liabilities and Capital: .......................207,359
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, 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: ...................................... 4,917
Federal Funds and Repos: .................................. 0
Investments: ................................................ 56,404
Net Loans:................................................. 108,479
Premises and Fixed Assets: ..........................4,322
Other Real Estate: ............................................836
Other Assets: ................................................ 2,594
Total Assets: ............................................. 177,552
Total Trust Assets: ...................................... 27,679

Deposits: ...................................................128,115
Federal Funds and Borrowings: ...................30,964
Other Liabilities:............................................... 211
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 159,290
Total Equity Capital: ....................................18,262
Total Liabilities and Capital: .......................177,552
Number of Shares Outstanding: .......................... 1

Directors: Dale K. Bennett; Kim B. Bethea; Georgea M. Greaves; M. Edward Hord;
Waymon Hornbeck; Mary M. Jennings; Warren Jennings, Jr.; Warren A. Jennings, Sr.; K.
Daniel Kennedy; Lester A. McKinley; James N. Moss, Jr.; Jimmie Rodgers; Gary Sebree
Branches in Town: None
Other Branches: Lockesburg, Stuttgart

42

Arkansas State Bank Department

DeWitt Bank And Trust Company
DeWitt, AR
VOICE: (870) 946-3531
FAX: (870) 946-2815
Trust Powers: Yes

Second and Jefferson Streets
72042-0071

Charter Number: 605
Date: March 1, 1929
FDIC Certificate Number: 1522
Home Page: www.dewittbankandtrust.com
Bank Holding Company
DBT Financial Corporation, DeWitt, AR
Chm: Becca Mehlin
EVP: Tricia Bull
CEO/Pres: David Jessup
TO: Jason Grantham

Cash and Due from:...................................... 2,228
Federal Funds and Repos: .................................. 0
Investments: ............................................... 73,651
Net Loans: .................................................. 40,713
Premises and Fixed Assets:............................. 595
Other Real Estate: ........................................... 631
Other Assets: ................................................ 8,137
Total Assets: ............................................. 125,955
Total Trust Assets: ...................................... 76,434

Deposits: .................................................... 96,126
Federal Funds and Borrowings: .................... 6,088
Other Liabilities: ............................................... 856
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 103,070
Total Equity Capital: .................................... 22,885
Total Liabilities and Capital: ...................... 125,955
Number of Shares Outstanding: .................. 54,000

Directors: Tricia Bull; Lyn Crawford; James L. Fly, Jr.; David L. Jessup; Charles E.
Lumsden; Becca R. Mehlin; Nancy F. Rasco; Deane Robinson; H. T. Simonton; Dean Watts
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: Glenda B. Owen
Cash and Due from:...................................... 4,167
Federal Funds and Repos: .................................. 0
Investments: ............................................... 22,876
Net Loans: .................................................. 80,930
Premises and Fixed Assets:.......................... 2,542
Other Real Estate: ............................................. 24
Other Assets: ................................................ 4,842
Total Assets: ............................................. 115,381
Total Trust Assets: ...................................... 47,710

Deposits: .................................................... 97,256
Federal Funds and Borrowings: .................... 5,826
Other Liabilities: ............................................... 121
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 103,203
Total Equity Capital: .................................... 12,178
Total Liabilities and Capital: ...................... 115,381
Number of Shares Outstanding: .................. 40,000

Directors: L. Ashton Adcock; Jimmie Appleberry; L. Sue Frank; John F. Freeman; Bruce
Gasaway; Brooks Gill; Marion S. Gill; James L. Hill; J. Michael Jones; Don Livingston;
William W. Shea; David Walt
Branches in Town: One
Other Branches: None

One Hundred and First Report

43

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: .................................... 14,816
Federal Funds and Repos: .......................... 89,486
Investments: ................................................ 28,619
Net Loans:................................................. 695,957
Premises and Fixed Assets: ..........................8,040
Other Real Estate: .........................................7,250
Other Assets: .............................................. 34,658
Total Assets: ............................................. 878,826
Total Trust Assets: .............................................. 0

Deposits: ...................................................660,833
Federal Funds and Borrowings: ................. 113,612
Other Liabilities:.............................................2,241
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 776,686
Total Equity Capital: ..................................102,140
Total Liabilities and Capital: .......................878,826
Number of Shares Outstanding: ................ 704,757

Directors: Jerry Bullard; J. Stephen Cameron; Chris Hegi; John D. Milam; 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], 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
MHBC Investments Limited Partnership, I, England, AR
Chm/CEO/Pres: Gary Canada, Sr.
VP: Allen Evans
EVP: Hanna B. Canada
Cash: Sheila Rice
Cash and Due from: ...................................... 6,188
Federal Funds and Repos: .................................. 0
Investments: ................................................ 24,818
Net Loans:................................................. 333,339
Premises and Fixed Assets: ..........................6,856
Other Real Estate: .........................................1,812
Other Assets: .............................................. 14,980
Total Assets: ............................................. 387,993
Total Trust Assets: .............................................. 0

Deposits: ...................................................242,234
Federal Funds and Borrowings: ...................92,527
Other Liabilities:...........................................14,958
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 349,719
Total Equity Capital: ....................................38,274
Total Liabilities and Capital: .......................387,993
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

44

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/Pres: Charles T. Cross
EVP/CLO: Jason Tennant

Cash and Due from:...................................... 3,885
Federal Funds and Repos: .................................. 0
Investments: ............................................... 37,607
Net Loans: ................................................ 119,791
Premises and Fixed Assets:.......................... 7,431
Other Real Estate: ........................................... 826
Other Assets: ................................................ 6,260
Total Assets: ............................................. 175,800
Total Trust Assets: ............................................... 0

Deposits: .................................................. 138,432
Federal Funds and Borrowings: .................. 17,164
Other Liabilities: ............................................ 1,293
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 156,889
Total Equity Capital: .................................... 18,911
Total Liabilities and Capital: ...................... 175,800
Number of Shares Outstanding: .................... 4,000

Directors: Genes L. Bland; Charles T. Cross; John F. Cross, Sr.; Johnice Cross; Lewis E.
Epley, Jr.; William E. Goff; Rex A. Gustin; Daniel J. Mumaugh; Archie B. Ryan, Jr.; Dale
Steffens; Mark Stone; Jason F. Tennant; Randy Wolfinbarger
Branches in Town: One
Other Branches: Berryville, Holiday Island, Huntsville

One Hundred and First Report

45

Arvest Bank
Fayetteville, AR
VOICE: (479) 750-1400
FAX: (479) 770-1615
Trust Powers: Yes

75 North East Street
72702-1327

Charter Number: 31
Date: December 24, 1892
FDIC Certificate Number: 8728

Home Page: www.arvest.com
Member of Federal Reserve System
Bank Holding Company
Arvest Holdings, Inc., Bentonville, AR
Chm: Jim C. Walton
EVP/CFO: Karla S. Payne
CEO/Pres: K. Kevin Sabin
EVP/COO: Phil Porter
Cash and Due from: .................................. 781,171
Federal Funds and Repos: .................................. 0
Investments: ........................................... 4,655,000
Net Loans:.............................................. 8,613,899
Premises and Fixed Assets: ...................... 405,134
Other Real Estate: ....................................... 47,810
Other Assets: ............................................ 909,563
Total Assets: ........................................ 15,412,577
Total Trust Assets: ................................. 3,374,009

Deposits: .............................................. 13,251,681
Federal Funds and Borrowings: ................. 456,727
Other Liabilities:......................................... 131,363
Subordinated Debt: ............................................. 0
Total Liabilities: .................................... 13,839,771
Total Equity Capital: ............................... 1,572,806
Total Liabilities and Capital: .................. 15,412,577
Number of Shares Outstanding: ................ 350,692

Directors: Claudia Bratcher; Cliff Gibbs; J. Robert Kelly; James M. King; Bradley Krieger;
Karla S. Payne; Phillip O. Porter; K. Kevin Sabin; Donald E. Walker; Jim C. Walton
Branches in Town: 10 Other Branches: Ada[OK], Alma, Anderson[MO], Aurora[MO],
Bartlesville[OK] (5), Bella Vista (3), Benton, Bentonville (6),
Berryville (2), Branson[MO] (2), Branson West[MO], Broken
Arrow[OK] (4), Bryant, Bull Shoals, Cabot, Caney[KS],
Carthage[MO] (3), Cassville[MO], Catoosa[OK], Centerton,
Chickasha[OK], Choctaw[OK], Clarksville (2), Conway (4),
Coweta[OK], Del City[OK], Dewey[OK] (2), Duncan[OK] (3),
Edmond[OK] (4), Elgin[OK], Eufaula[OK], Eureka Springs,
Farmington, Flippin, Forsyth[MO], Fort Smith (9), Gardner[KS],
Gentry, Gladstone[MO], Gravette, Greenwood, Grove[OK],
Harrison (4), Hindsville, Hollister[MO], Hot Springs (6), Huntsville,
Independence[MO],
Jacksonville,
Jay[OK],
Jenks[OK],
Joplin[MO] (6), Kansas [OK], Kansas City[MO] (6), Lawton[OK]
(4), Lead Hill, Leawood[KS], Lebanon[MO], Lee's Summit[MO]
(2), Lenexa[KS], Lincoln, Little Rock (10), Lockwood[MO],
Lonoke, Lowell, McAlester[OK], Mena, Miami[OK], Midwest
City[OK], Mission[KS], Monett[MO], Moore[OK], Morrilton,
Mountain Grove[MO], Mountain Home (3), Muskogee[OK] (4),
Neosho[MO] (2), Nevada[MO], Nixa[MO], Noel[MO], Norman[OK]
(7), North Little Rock (4), Nowata[OK] (2), Oklahoma City[OK] (9),
Okmulgee[OK], Ottawa[KS], Overland Park[KS], Owasso[OK] (2),
Paris, Pea Ridge, Pineville[MO], Pittsburg[KS], Poteau[OK],
Prairie Grove (2), Pryor[OK] (2), Rogers (7), Russellville (5),
Sallisaw[OK], Sand Springs[OK], Sapulpa[OK], Shawnee[OK] (3),
Shell Knob[MO], Sherwood (2), Siloam Springs (3), Springdale
(6), Springfield[MO] (4), Stillwater[OK] (3), Stilwell[OK],
Tahlequah[OK] (3), Tontitown, Tulsa[OK] (18), Van Buren (3),
Vinita[OK], Wagoner[OK], Walters[OK], Webb City[MO], West
Fork, West Plains[MO], Westville[OK], Yellville, Yukon[OK]

46

Arkansas State Bank Department

Signature Bank of Arkansas
Fayetteville, AR
VOICE: (479) 684-3700
FAX: (479) 684-3795
Trust Powers: Yes

3878 N. Crossover Road, Suite 20
72703

Charter Number: 660
Date: August 28, 1933
FDIC Certificate Number: 89

Home Page: www.sbofa.com
Bank Holding Company
White River Bancshares Company, Fayetteville, AR
Chm/CEO/Pres: Gary R. Head
COO: Marilyn Hendricks
CFO: Russell W. Nugent, Jr.
CLO: Daniel J. Lewis
Cash and Due from:.................................... 19,813
Federal Funds and Repos: ........................... 2,000
Investments: ............................................... 47,848
Net Loans: ................................................ 386,587
Premises and Fixed Assets:.......................... 5,794
Other Real Estate: ...................................... 17,760
Other Assets: .............................................. 11,256
Total Assets: ............................................. 491,058
Total Trust Assets: ............................................... 0

Deposits: .................................................. 392,611
Federal Funds and Borrowings: .................. 37,227
Other Liabilities: ............................................ 2,716
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 432,554
Total Equity Capital: .................................... 58,504
Total Liabilities and Capital: ...................... 491,058
Number of Shares Outstanding: .................. 30,000

Directors: Dan Bowers; John A. Dominick; Matthew Duffy; Gary R. Head; Greg Lee; Jerry
P. Maland; Dave Morton; Todd Simmons
Branches in Town: None
Other Branches: Bentonville, Brinkley (2), Springdale

The Bank of Fayetteville
Fayetteville, AR
VOICE: (479) 444-4444
FAX: (479) 443-1529
Trust Powers: Yes

One South Block Avenue
72701

Charter Number: 789
Date: December 1, 2005
FDIC Certificate Number: 26975

Home Page: www.bof.com
Member of Federal Reserve System
Bank Holding Company
Bankshares of Fayetteville, Inc., Fayetteville, AR
CEO/Pres: Mary Beth Brooks
EVP: Billie Pelton
EVP: Bob King
EVP/CFO: Sam Stricklin
Cash and Due from:.................................... 43,795
Federal Funds and Repos: .................................. 0
Investments: ............................................... 59,961
Net Loans: ................................................ 233,088
Premises and Fixed Assets:.......................... 6,953
Other Real Estate: ........................................ 3,396
Other Assets: .............................................. 11,611
Total Assets: ............................................. 358,804
Total Trust Assets: ...................................... 57,699

Deposits: .................................................. 314,185
Federal Funds and Borrowings: ....................... 436
Other Liabilities: ............................................ 3,415
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 318,036
Total Equity Capital: .................................... 40,768
Total Liabilities and Capital: ...................... 358,804
Number of Shares Outstanding: ................ 251,014

Directors: Woody Bassett; Scott Berna; Mary Beth Brooks; Bob Daugherty; Frank Kelly;
David McClinton; Ann Rosso; Curtis Shipley
Branches in Town: Four
Other Branches: Farmington, Prairie Grove, West Fork

One Hundred and First Report

47

Twin Lakes Community Bank
Flippin, AR
VOICE: (870) 453-8522
FAX: (870) 453-8525
Trust Powers: No

301 South 1st Street
72634

Charter Number: 620
Date: December 2, 1930
FDIC Certificate Number: 15880
Home Page: www.tlcbank.net
Member of Federal Reserve System
Bank Holding Company
First National Corporation of Wynne, Wynne, AR
Chm: Judy R. Loving
CEO: Jerry Cunningham
Cash and Due from: ...................................... 2,601
Federal Funds and Repos: .................................. 0
Investments: ..................................................4,542
Net Loans:................................................... 95,440
Premises and Fixed Assets: ..........................5,060
Other Real Estate: ............................................115
Other Assets: ................................................ 1,546
Total Assets: ............................................. 109,304
Total Trust Assets: .............................................. 0

Deposits: .....................................................90,832
Federal Funds and Borrowings: .....................7,500
Other Liabilities:............................................... 431
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................98,763
Total Equity Capital: ....................................10,541
Total Liabilities and Capital: .......................109,304
Number of Shares Outstanding: ................ 469,594

Directors: Keith Daffron; Jeff Gilbrech; Randy Hopper; Philip Hurst; Judy R. Loving; Noel
Morris; Sean Williams
Branches in Town: None
Other Branches: Mountain Home, Norfork

FBT Bank & Mortgage
Fordyce, AR
VOICE: (870) 352-3107
FAX: (870) 352-5202
Trust Powers: Yes

200 West 4th Street
71742-2202

Charter Number: 631
Date: January 5, 1931
FDIC Certificate Number: 1028
Home Page: www.fordycebank.com
Member of Federal Reserve System
Bank Holding Company
FBT Bancshares, Inc., Fordyce, AR
Chm/CEO/Pres/TO: James V. Hulse, Jr.
EVP: Bruce Dawson
EVP: Suzette Crutchfield
EVP: Don Lyle
Cash and Due from: .................................... 12,945
Federal Funds and Repos: .................................. 0
Investments: ................................................ 38,138
Net Loans:................................................... 78,892
Premises and Fixed Assets: ..........................2,307
Other Real Estate: ............................................194
Other Assets: ................................................ 4,267
Total Assets: ............................................. 136,743
Total Trust Assets: ........................................1,108

Deposits: ...................................................110,844
Federal Funds and Borrowings: ...................11,300
Other Liabilities:............................................... 531
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 122,675
Total Equity Capital: ....................................14,068
Total Liabilities and Capital: .......................136,743
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

48

Arkansas State Bank Department

Bank of Gravett
Gravette, AR
VOICE: (479) 787-5251
FAX: (479) 787-6102
Trust Powers: No

211 Main Street SE
72736

Charter Number: 46
Date: February 28, 1898
FDIC Certificate Number: 5636
Home Page: www.bankofgravett.net
Bank Holding Company
Gravett Bancshares, Inc., Gravette, AR
CEO/Pres: Rick Pollreis
CLO: James L. Smith
SVP: Bob King
Cash and Due from:...................................... 4,738
Federal Funds and Repos: ........................... 1,000
Investments: ............................................... 27,968
Net Loans: .................................................. 75,335
Premises and Fixed Assets:.......................... 2,594
Other Real Estate: ........................................... 918
Other Assets: ................................................ 6,930
Total Assets: ............................................. 119,483
Total Trust Assets: ............................................... 0

Deposits: .................................................. 101,509
Federal Funds and Borrowings: ........................... 0
Other Liabilities: ............................................... 312
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 101,821
Total Equity Capital: .................................... 17,662
Total Liabilities and Capital: ...................... 119,483
Number of Shares Outstanding: .................... 4,000

Directors: Jim A. Edmondson; Sharron Edmonson; Kenny R. Hancock; John A. Lykins;
William R. Meade; Richard T. Pollreis; James L. Smith; Rex Waggoner; David N. Wills
Branches in Town: One
Other Branches: Centerton, Hiwasse

First Service Bank
Greenbrier, AR
VOICE: (501) 679-7200
FAX: (501) 679-5104
Trust Powers: No

136 South Broadview
72058-0190

Charter Number: 732
Date: October 15, 1976
FDIC Certificate Number: 18519
Home Page: www.firstservicebank.com
Bank Holding Company
First Service Bancshares, Inc., Greenbrier, AR
Chm/CEO/Pres: Thomas H. Grumbles
CFO/COO: Kenneth Barnard
Cash and Due from:.................................... 19,927
Federal Funds and Repos: .................................. 0
Investments: ............................................... 23,551
Net Loans: ................................................ 189,002
Premises and Fixed Assets:.......................... 9,598
Other Real Estate: ........................................... 527
Other Assets: ................................................ 8,192
Total Assets: ............................................. 250,797
Total Trust Assets: ............................................... 0

Deposits: .................................................. 204,088
Federal Funds and Borrowings: .................. 18,812
Other Liabilities: ............................................ 1,380
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 224,280
Total Equity Capital: .................................... 26,517
Total Liabilities and Capital: ...................... 250,797
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, Dermott, Flippin,
Little Rock, Marshall, Mountain View, Shirley, Yellville

One Hundred and First Report

49

Farmers Bank
Greenwood, AR
VOICE: (479) 996-4171
FAX: (479) 996-6700
Trust Powers: Yes

71 West Center
72936-0610

Charter Number: 243
Date: August 7, 1907
FDIC Certificate Number: 1296
Home Page: www.gofarmersbank.com
Bank Holding Company
Wilkinson Banking Corporation, Greenwood, AR
Chm: Elizabeth Wilkinson
Pres: Edward Wilkinson
CEO: Stanhope Wilkinson
TO: Norman Wilkinson
Cash and Due from: ...................................... 3,852
Federal Funds and Repos: .......................... 22,150
Investments: ................................................ 68,414
Net Loans:................................................... 77,484
Premises and Fixed Assets: ........................ 14,826
Other Real Estate: .........................................2,057
Other Assets: ................................................ 8,804
Total Assets: ............................................. 197,587
Total Trust Assets: ........................................6,702

Deposits: ...................................................158,673
Federal Funds and Borrowings: ........................... 0
Other Liabilities:............................................... 288
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 158,961
Total Equity Capital: ....................................38,626
Total Liabilities and Capital: .......................197,587
Number of Shares Outstanding: ....................7,500

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

Farmers Bank
Hamburg, AR
VOICE: (870) 853-5222
210 North Main
Charter Number: 680
FAX: (870) 853-2333
71646-0350
Date: March 10, 1941
Trust Powers: No
FDIC Certificate Number: 15810
Home Page: www.farmersbankhamburg.com
Bank Holding Company
None
Chm: Jack Shell
VP: Virginia Bowman
CEO/Pres: Kenneth Allbritton
VP/Cash: June M. Golden
Cash and Due from: .................................... 11,717
Federal Funds and Repos: ............................1,000
Investments: ................................................ 18,661
Net Loans:................................................... 10,394
Premises and Fixed Assets: .............................573
Other Real Estate: ............................................... 0
Other Assets: ...................................................746
Total Assets: ............................................... 43,091
Total Trust Assets: .............................................. 0

Deposits: .....................................................38,396
Federal Funds and Borrowings: ........................... 0
Other Liabilities:................................................. 72
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................38,468
Total Equity Capital: ......................................4,623
Total Liabilities and Capital: .........................43,091
Number of Shares Outstanding: ..................44,520

Directors: Gene Barnes; William E. Foote, IV; Freddie Martin; Jack Shell; Nancy C. Foote
Spivey; Bobby J. Witherington
Branches in Town: None
Other Branches: None

50

Arkansas State Bank Department

First Bank
Hampton, AR
VOICE: (870) 837-8300
FAX: (870) 837-8310
Trust Powers: No

302 West Main Street
71744-0008

Charter Number: 220
Date: October 26, 1906
FDIC Certificate Number: 88

Home Page: www.firstbankar.com
Bank Holding Company
Harrell Bancshares, Inc., Camden, AR
CEO/Pres: Phillip J. Foster
COO: Sandy Ferguson
CFO: Jason Trenary
Cash and Due from:...................................... 6,231
Federal Funds and Repos: ........................... 7,350
Investments: ............................................... 58,451
Net Loans: ................................................ 270,791
Premises and Fixed Assets:.......................... 6,396
Other Real Estate: ........................................... 903
Other Assets: ................................................ 9,883
Total Assets: ............................................. 360,005
Total Trust Assets: ............................................... 0

Deposits: .................................................. 311,047
Federal Funds and Borrowings: .................. 12,912
Other Liabilities: ............................................ 2,325
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 326,284
Total Equity Capital: .................................... 33,721
Total Liabilities and Capital: ...................... 360,005
Number of Shares Outstanding: .................... 4,000

Directors: L. D. Becton, III; Dan H. Byars; Gene Dereuisseaux; Phillip J. Foster; Ben
Harrell; Carl Harrell; Jonathan W. Harrell; Paul E. Lindsey; John F. Marsh; James M.
Morgan; William B. Morrison; Richard H. Mosley; John David Neeley; Richard L. Smith;
William Titus
Branches in Town: None
Other Branches: Camden (4), Fayetteville, Junction
City, Rogers, Siloam Springs, Van Buren

Community First Bank
Harrison, AR
VOICE: (870) 391-8000
FAX: (870) 391-8081
Trust Powers: Yes

200 East Ridge
72601

Charter Number: 772
Date: October 14, 1997
FDIC Certificate Number: 34611
Home Page: www.communityfirstbank.com
Bank Holding Company
Community First Bancshares, Inc., Harrison, AR
Chm: Jerry Maland
CFO/COO: Ann Main
CEO/Pres: David Morton
CCO: Danny Criner
Cash and Due from:...................................... 8,291
Federal Funds and Repos: ........................... 3,000
Investments: ............................................... 84,734
Net Loans: ................................................ 336,644
Premises and Fixed Assets:........................ 10,415
Other Real Estate: ........................................ 6,215
Other Assets: ................................................ 8,312
Total Assets: ............................................. 457,611
Total Trust Assets: ............................................... 0

Deposits: .................................................. 393,724
Federal Funds and Borrowings: .................... 9,398
Other Liabilities: ............................................ 2,392
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 405,514
Total Equity Capital: .................................... 52,097
Total Liabilities and Capital: ...................... 457,611
Number of Shares Outstanding: .................. 60,000

Directors: Dan R. Bowers; Danny Criner; J. Kirkwood Dupps; Jim Harp; Elizabeth Kelley;
Ann Main; Jerry Maland; Mike McNutt; Meredith Miller; David Morton; James Nelson; Jim
Sprott; Deretha Walker
Branches in Town: One
Other Branches:
Berryville, Eureka Springs, Pea
Ridge

One Hundred and First Report

51

Horatio State Bank
Horatio, AR
VOICE: (870) 832-2501
FAX: (870) 832-2577
Trust Powers: No

123 Main Street
71842-0347

Charter Number: 179
Date: May 15, 1905
FDIC Certificate Number: 109
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: .................................... 18,453
Federal Funds and Repos: ............................3,025
Investments: ................................................ 19,417
Net Loans:................................................. 110,096
Premises and Fixed Assets: .............................566
Other Real Estate: ............................................105
Other Assets: ................................................ 1,784
Total Assets: ............................................. 153,446
Total Trust Assets: .............................................. 0

Deposits: ...................................................136,040
Federal Funds and Borrowings: ........................... 0
Other Liabilities:............................................... 176
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 136,216
Total Equity Capital: ....................................17,230
Total Liabilities and Capital: .......................153,446
Number of Shares Outstanding: ....................2,000

Directors: Margaret S. Griffin; Michael B. Griffin; Carl E. Hendrix, III; Edith H. Smith;
Wilburn Smith; Elizabeth H. Trimble; Todd B. Trimble
Branches in Town: None
Other Branches: None

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: ...................................... 5,051
Federal Funds and Repos: ............................1,800
Investments: ................................................ 14,921
Net Loans:................................................... 79,790
Premises and Fixed Assets: ..........................3,065
Other Real Estate: .........................................1,596
Other Assets: ................................................ 3,491
Total Assets: ............................................. 109,714
Total Trust Assets: .............................................. 0

Deposits: .....................................................83,355
Federal Funds and Borrowings: .....................9,174
Other Liabilities:............................................... 864
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................93,393
Total Equity Capital: ....................................16,321
Total Liabilities and Capital: .......................109,714
Number of Shares Outstanding: ..................27,000

Directors: Sam Mathias; Bob Nickle; Larry Olson; Lew Thompson; Arthur Thurman; Jane
Waters
Branches in Town: One
Other Branches: Fayetteville (2), Springdale

52

Arkansas State Bank Department

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
Sec: Casey Cullipher
SVP/CFO: Kim Crook
Cash and Due from:.................................... 18,401
Federal Funds and Repos: ........................... 3,000
Investments: ............................................. 175,415
Net Loans: ................................................ 405,213
Premises and Fixed Assets:........................ 22,619
Other Real Estate: ........................................... 707
Other Assets: .............................................. 59,573
Total Assets: ............................................. 684,928
Total Trust Assets: .................................... 108,777

Deposits: .................................................. 543,334
Federal Funds and Borrowings: .................... 3,933
Other Liabilities: ............................................ 8,865
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 556,132
Total Equity Capital: .................................. 128,796
Total Liabilities and Capital: ...................... 684,928
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,
Damascus, Gravel Ridge, Greenbrier (2), Greers Ferry,
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: William W. Bunker
CEO/Pres: Terence J. Alpe
Sec: John Todd Potter
Cash and Due from:...................................... 2,606
Federal Funds and Repos: ........................... 2,625
Investments: ............................................... 18,399
Net Loans: .................................................. 34,400
Premises and Fixed Assets:.......................... 1,059
Other Real Estate: ........................................... 127
Other Assets: ................................................ 1,385
Total Assets: ............................................... 60,601
Total Trust Assets: ............................................... 0

Deposits: .................................................... 53,844
Federal Funds and Borrowings: ........................... 0
Other Liabilities: ................................................. 42
Subordinated Debt: .............................................. 0
Total Liabilities: ........................................... 53,886
Total Equity Capital: ...................................... 6,715
Total Liabilities and Capital: ........................ 60,601
Number of Shares Outstanding: .................. 60,000

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

One Hundred and First Report

53

Little River Bank
Lepanto, AR
VOICE: (870) 475-2306
FAX: (870) 475-3070
Trust Powers: Yes

202 Greenwood
72354-0340

Charter Number: 498
Date: November 21, 1919
FDIC Certificate Number: 1298
Home Page: www.littleriverbank.com
Bank Holding Company
Little River Bancshares, Inc., Lepanto, AR
CEO/Pres: Frankie L. Pratt
SVP: Jana Malone
EVP: Lois Criddle
VP: Monica Sims

Cash and Due from: ...................................... 5,453
Federal Funds and Repos: .................................. 0
Investments: ................................................ 15,470
Net Loans:................................................... 13,577
Premises and Fixed Assets: .............................238
Other Real Estate: ..............................................16
Other Assets: ...................................................208
Total Assets: ............................................... 34,962
Total Trust Assets: .............................................. 0

Deposits: .....................................................30,405
Federal Funds and Borrowings: ........................... 0
Other Liabilities:............................................... 191
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................30,596
Total Equity Capital: ......................................4,366
Total Liabilities and Capital: .........................34,962
Number of Shares Outstanding: ..................10,000

Directors: E. Ritter Arnold; Hadley Ingram Arnold; Scott Arnold, IV; Dannal Perry; Frankie
L. Pratt; Juliet Romano; Henry G. Watkins, III
Branches in Town: None
Other Branches: None

Bank of Little Rock
Little Rock, AR
VOICE: (501) 376-0800
FAX: (501) 376-1642
Trust Powers: Yes

200 North State Street
72201

Charter Number: 748
Date: May 4, 1989
FDIC Certificate Number: 91280
Home Page: www.bankoflittlerock.com
Member of Federal Reserve System
Bank Holding Company
Little Rock Bankshares, Inc., Little Rock, AR
Chm/CEO/Pres: Eugene L. Maris
SVP/Cash: Lee A. Swearingen
SVP: Kim Markland
Cash and Due from: ...................................... 7,776
Federal Funds and Repos: .................................. 0
Investments: ................................................ 72,426
Net Loans:................................................. 111,712
Premises and Fixed Assets: ..........................6,516
Other Real Estate: .........................................3,230
Other Assets: ................................................4,911
Total Assets: ............................................. 206,571
Total Trust Assets: .............................................. 0

Deposits: ...................................................177,798
Federal Funds and Borrowings: .....................6,300
Other Liabilities:.............................................1,389
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 185,487
Total Equity Capital: ....................................21,084
Total Liabilities and Capital: .......................206,571
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

54

Arkansas State Bank Department

Bank of the Ozarks
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.bankozarks.com
Bank Holding Company
Bank of the Ozarks, Inc., Little Rock, AR
Chm/CEO: George G. Gleason, II
COO: Tyler Vance
CFO: Greg McKinney
TO: Jennifer Junker
Cash and Due from:.................................. 514,890
Federal Funds and Repos: .................................. 0
Investments: ............................................. 772,261
Net Loans: ............................................. 6,537,222
Premises and Fixed Assets:...................... 285,087
Other Real Estate: ...................................... 25,843
Other Assets: ............................................ 565,779
Total Assets: .......................................... 8,701,082
Total Trust Assets: ................................. 1,677,458

Deposits: ............................................... 7,100,579
Federal Funds and Borrowings: ................ 231,942
Other Liabilities: .......................................... 65,805
Subordinated Debt: .............................................. 0
Total Liabilities: ...................................... 7,398,326
Total Equity Capital: ............................... 1,302,756
Total Liabilities and Capital: ................... 8,701,082
Number of Shares Outstanding: .................... 2,340

Directors: Nicholas A. Brown; Richard L. Cisne; Robert C. East; Catherine B. Freedberg;
George G. Gleason, II; Linda D. Gleason; Peter C. Kenny; Bill Koefoed; Henry Mariani;
Robert Proost; R. L. Qualls; John B. Reynolds; Dan Thomas; Tyler Vance; Sherece Y. WestScantlebury; Ross M. Whipple
Branches in Town: 10
Other Branches:
Adairsville[GA], Allen[TX], Alma,
Altus, Arkadelphia (2), Athens[GA], Austin[TX],
Bainbridge[GA] (2), Bella Vista (2), Benton (4),
Bentonville (2), Bessemer City[NC], Bluffton[SC], Boiling
Springs[NC], Bradenton[FL] (3), Brunswick[GA], Bryant,
Cabot (2), Cairo[GA], Calhoun[GA], Carrollton[TX],
Cartersville[GA] (2), Cedar Park[TX], Charlotte[NC],
Clarksville (2), Clearwater[FL] (5), Clinton, Conway (4),
Cornelius[NC],
Cramerton[NC],
Cumming[GA],
Dallas[GA],
Dallas[TX],
Dawsonville[GA]
(2),
Douglasville[GA], Fayetteville (2), Forest City[NC], Fort
Smith (3), Frisco[TX] (2), Gastonia[NC], Geneva[AL],
Harrison (3), Hilton Head Island[SC], Hope (2), Hot
Springs (6), Hot Springs Village, Houston[TX] (3),
Jasper, Keller[TX], Kings Mountain[NC], Lake Park[GA],
Lawndale[NC],
Lewisville[TX],
Lincolnton[NC],
Lockhart[TX], Lonoke, Lonsdale, Magnolia (2), Malvern
(2),
Marble
Hill[GA],
Marshall,
Maumelle,
McDonough[GA], Mobile[AL] (2), Mountain Home (2),
Mulberry, New York[NY], Newnan[GA], North Little Rock
(3), Oakwood[GA], Ocala[FL], Ozark (2), Palmetto[FL],
Paris, Plano[TX], Rogers (3), Rome[GA], Russellville
(3), San Antonio[TX], Savannah[GA], Senoia[GA],
Sharpsburg[GA], Shelby[NC] (5), Sherwood, South
Pasadena[FL], Southlake[TX], Springdale, St. Simons
Island[GA], Texarkana, Texarkana[TX] (2), The
Colony[TX], Valdosta[GA] (3), Van Buren (2), Western
Grove, Wilmington[NC], Yellville

One Hundred and First Report

55

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
SVP/CLO: Megan Powell
CEO/Pres: Wade Ruckle
VP/Cash: Christina McGhee
Cash and Due from: ...................................... 3,320
Federal Funds and Repos: ...............................660
Investments: ................................................ 31,618
Net Loans:................................................... 62,378
Premises and Fixed Assets: ..........................1,346
Other Real Estate: .........................................2,370
Other Assets: ................................................ 1,602
Total Assets: ............................................. 103,294
Total Trust Assets: .............................................. 0

Deposits: .....................................................83,818
Federal Funds and Borrowings: .....................2,800
Other Liabilities:............................................... 449
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................87,067
Total Equity Capital: ....................................16,227
Total Liabilities and Capital: .......................103,294
Number of Shares Outstanding: ................ 160,000

Directors: James R. Burks; Steven Collier; David Dowd; David Estes; John Reese; R.
Steve Roberson; Wade Ruckle; Bruce Schratz, Jr.; Patricia Weed
Branches in Town: One
Other Branches: None

Eagle Bank & Trust Company
Little Rock, AR
VOICE: (501) 223-2000
FAX: (501) 223-0373
Trust Powers: Yes

650 South Shackleford Rd., Suite 150
Charter Number: 735
72211
Date: May 7, 1977
FDIC Certificate Number: 3873
Home Page: www.eaglebank.com
Member of Federal Reserve System
Bank Holding Company
State Holding Company, Little Rock, AR
Chm: Catherine H. Owen
EVP: Paul Castleberry
CEO/Pres: Jeff Lynch
EVP: Janice Parrott
Cash and Due from: .................................... 10,363
Federal Funds and Repos: .................................. 0
Investments: .............................................. 199,959
Net Loans:................................................. 145,558
Premises and Fixed Assets: ..........................6,401
Other Real Estate: ............................................809
Other Assets: .............................................. 10,070
Total Assets: ............................................. 373,160
Total Trust Assets: .............................................. 0

Deposits: ...................................................305,471
Federal Funds and Borrowings: ...................22,178
Other Liabilities:.............................................1,370
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 329,019
Total Equity Capital: ....................................44,141
Total Liabilities and Capital: .......................373,160
Number of Shares Outstanding: ..................17,656

Directors: Andrew H. Hastings; H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley
Hastings; Bill G. Lynch; Jeff Lynch; Catherine H. Owen
Branches in Town: None
Other Branches: Drasco, Fairfield Bay, Gravel Ridge,
Greers Ferry, Heber Springs (2), North Little Rock (2),
Quitman, Rose Bud, Sherwood (2), Vilonia

56

Arkansas State Bank Department

Heartland Bank
Little Rock, AR
VOICE: (501) 663-3306
FAX: (501) 614-7832
Trust Powers: No

5100 Kavanaugh Boulevard
72207

Charter Number: 791
Date: July 17, 2008
FDIC Certificate Number: 28761
Home Page: www.hbankusa.com
Member of Federal Reserve System
Bank Holding Company
Rock Bancshares, Inc., Little Rock, AR
CEO: Richard D. O'Brien
EVP: Phillip Thomas
EVP: Mark S. Hoffpauir
CFO: Judy Lawton
Cash and Due from:.................................... 26,212
Federal Funds and Repos: .............................. 503
Investments: ............................................... 10,440
Net Loans: ................................................ 185,370
Premises and Fixed Assets:........................ 12,572
Other Real Estate: ........................................... 918
Other Assets: ................................................ 8,533
Total Assets: ............................................. 244,548
Total Trust Assets: ............................................... 0

Deposits: .................................................. 208,352
Federal Funds and Borrowings: ........................... 0
Other Liabilities: ............................................ 1,045
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 209,397
Total Equity Capital: .................................... 35,151
Total Liabilities and Capital: ...................... 244,548
Number of Shares Outstanding: .................. 10,000

Directors: Craig Benson; Mark Brockinton; Steve Didion; Richard D. O'Brien; L. Walter
Quinn, Jr.
Branches in Town: Two
Other Branches: Bryant, Fordyce, Sheridan

The Capital Bank
Little Rock, AR
VOICE: (501) 228-6000
FAX: (501) 228-6006
Trust Powers: Yes

12224 Chenal Parkway
72211

Charter Number: 771
Date: July 30, 1997
FDIC Certificate Number: 34562
Home Page: www.thecapitalbank.com
Member of Federal Reserve System
Bank Holding Company
Capital Bancshares, Inc., Little Rock, AR
CEO/Pres: Kyle E. Patton
SVP: Paula Coffield
EVP/CFO/COO: Jeanette Nation
SVP: Jennifer Duran
Cash and Due from:...................................... 1,106
Federal Funds and Repos: ........................... 1,500
Investments: ............................................... 87,705
Net Loans: .................................................. 49,136
Premises and Fixed Assets:.......................... 5,729
Other Real Estate: ........................................... 348
Other Assets: ................................................ 9,128
Total Assets: ............................................. 154,652
Total Trust Assets: ............................................... 0

Deposits: .................................................... 99,691
Federal Funds and Borrowings: .................. 40,666
Other Liabilities: ............................................... 211
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 140,568
Total Equity Capital: .................................... 14,084
Total Liabilities and Capital: ...................... 154,652
Number of Shares Outstanding: .................. 32,013

Directors: Joseph W. Park; Kyle E. Patton; Boyd Rothwell; Warren Stephenson
Branches in Town: None
Other Branches: None

One Hundred and First Report

57

First State Bank
Lonoke, AR
VOICE: (501) 676-3106
FAX: (501) 676-5046
Trust Powers: No

Chm: Neil Bennett, Jr.
CEO: David R. Estes

101 South Center Street
72086-0320

Charter Number: 670
Date: March 9, 1935
FDIC Certificate Number: 15050
Home Page: www.firststatebk.com
Bank Holding Company
Lonoke Bancshares, Inc., Lonoke, AR
Pres: J. Bruce Loftin

Cash and Due from: .................................... 20,649
Federal Funds and Repos: ............................1,000
Investments: ................................................ 85,854
Net Loans:................................................. 121,576
Premises and Fixed Assets: ..........................3,286
Other Real Estate: ....................................... 12,656
Other Assets: ................................................ 4,998
Total Assets: ............................................. 250,019
Total Trust Assets: .............................................. 0

Deposits: ...................................................223,547
Federal Funds and Borrowings: ........................... 0
Other Liabilities:............................................... 372
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 223,919
Total Equity Capital: ....................................26,100
Total Liabilities and Capital: .......................250,019
Number of Shares Outstanding: ..................16,000

Directors: Robert S. Bailey; Alan Barksdale; Neil Bennett, Jr.; David R. Estes; William
Fletcher, Jr.; J. Bruce Loftin; J. Walls McCrary; Robert Dale Miller; Daina B. Newcomb;
Wade Ruckle; Alan (Chuck) Sharp; Marvin D. Thaxton, Jr.
Branches in Town: One
Other Branches: Carlisle, Fayetteville, Gurdon, Heber
Springs

Farmers Bank and Trust Company
Magnolia, AR
VOICE: (870) 235-7000
FAX: (870) 235-7039
Trust Powers: Yes

200 East Main Street
71753

Charter Number: 217
Date: September 26, 1906
FDIC Certificate Number: 1291
Home Page: www.fbtarkansas.com
Member of Federal Reserve System
Bank Holding Company
Magnolia Banking Corporation, Magnolia, AR
Chm/CEO: Bob L. Burns
CFO: Drew Chandler
Pres: Chris Gosnell
CLO: Dave White

Cash and Due from: .................................... 23,399
Federal Funds and Repos: ............................1,050
Investments: .............................................. 189,711
Net Loans:................................................. 926,518
Premises and Fixed Assets: ........................ 23,707
Other Real Estate: .........................................5,137
Other Assets: .............................................. 49,329
Total Assets: .......................................... 1,218,851
Total Trust Assets: .................................... 120,835

Deposits: ................................................ 1,085,934
Federal Funds and Borrowings: ....................... 870
Other Liabilities:.............................................8,513
Subordinated Debt: ............................................. 0
Total Liabilities: ...................................... 1,095,317
Total Equity Capital: .................................. 123,534
Total Liabilities and Capital: .................... 1,218,851
Number of Shares Outstanding: ................ 100,000

Directors: John E. Alexander, Jr.; Mike Boyd; Bob L. Burns; Dr. Jason Franks; Chris
Gosnell; Steve Keith; Bruce D. Maloch; T. E. Smith
Branches in Town: Three
Other Branches: Benton, Blevins, Camden (4), Hope
(3), Lewisville, Malvern (2), New Boston[TX], Taylor,
Texarkana (2), Texarkana[TX] (2)

Arkansas State Bank Department

58

The Peoples Bank
Magnolia, AR
VOICE: (870) 234-5777
500 North Jackson Street
Charter Number: 313
FAX: (870) 234-3384
71753-0340
Date: June 22, 1910
Trust Powers: Yes
FDIC Certificate Number: 12531
Home Page: www.peoplesbankmagnolia.com
Bank Holding Company
Golden Oaks Bancshares, Inc., Magnolia, AR
Chm: S. Clark Fincher
EVP/COO: Jill McClinton
CEO/Pres: Mary L. Fowler
CFO: Jonathan Baird
Cash and Due from:.................................... 33,392
Federal Funds and Repos: .................................. 0
Investments: ............................................... 33,331
Net Loans: .................................................. 77,859
Premises and Fixed Assets:.......................... 1,878
Other Real Estate: ............................................. 64
Other Assets: ................................................ 6,025
Total Assets: ............................................. 152,549
Total Trust Assets: ............................................... 0

Deposits: .................................................. 100,033
Federal Funds and Borrowings: .................. 37,090
Other Liabilities: ............................................... 441
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 137,564
Total Equity Capital: .................................... 14,985
Total Liabilities and Capital: ...................... 152,549
Number of Shares Outstanding: .................. 10,000

Directors: Jonathan Baird; Dorothy J. Fincher; Steven Clark Fincher; Mary L. Fowler; Betty
Harris; Jill McClinton; J. David Scott; Laura Scott; Jamie Waller
Branches in Town: One
Other Branches: Waldo

First Community Bank of Eastern Arkansas
Marion, AR
VOICE: (870) 739-7300
FAX: (870) 739-2234
Trust Powers: Yes

205 Block Street
72364-0747

Charter Number: 775
Date: October 8, 1998
FDIC Certificate Number: 34887
Home Page: www.firstcommunitybank.us
Member of Federal Reserve System
Bank Holding Company
FCB Financial Services, Inc., Marion, AR
Chm: Michael D. East
EVP: Brenda Eldridge
CEO/Pres: Donny Underwood
Cash and Due from:.................................... 15,815
Federal Funds and Repos: .................................. 0
Investments: ............................................... 16,807
Net Loans: ................................................ 108,376
Premises and Fixed Assets:.......................... 4,327
Other Real Estate: ........................................... 644
Other Assets: ................................................ 3,213
Total Assets: ............................................. 149,182
Total Trust Assets: ............................................... 0

Deposits: .................................................. 130,356
Federal Funds and Borrowings: ........................... 0
Other Liabilities: ............................................... 817
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 131,173
Total Equity Capital: .................................... 18,009
Total Liabilities and Capital: ...................... 149,182
Number of Shares Outstanding: .................. 60,000

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

One Hundred and First Report

59

First Delta Bank
Marked Tree, AR
VOICE: (870) 358-6000
FAX: (870) 358-6001
Trust Powers: No

Chm: Charles Luter

214 Hester Parker Drive
72365-0635

Charter Number: 704
Date: October 31, 1951
FDIC Certificate Number: 17047
Home Page: www.firstdeltabank.com
Member of Federal Reserve System
Bank Holding Company
Tyronza Bancshares, Inc., Marked Tree, AR
CEO/Pres: Chris M. Lehman

Cash and Due from: ...................................... 2,411
Federal Funds and Repos: .................................. 0
Investments: ................................................ 36,182
Net Loans:................................................... 21,344
Premises and Fixed Assets: .............................490
Other Real Estate: ..............................................62
Other Assets: ...................................................897
Total Assets: ............................................... 61,386
Total Trust Assets: .............................................. 0

Deposits: .....................................................47,995
Federal Funds and Borrowings: .....................7,575
Other Liabilities:............................................... 153
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................55,723
Total Equity Capital: ......................................5,663
Total Liabilities and Capital: .........................61,386
Number of Shares Outstanding: ....................2,000

Directors: Charles A. Banks; Chris M. Lehman; Charles F. Luter; H. F. Norcross, III
Branches in Town: None
Other Branches: Trumann, Tyronza

Bank of McCrory
McCrory, AR
VOICE: (870) 731-2521
FAX: (870) 731-2859
Trust Powers: Yes

124 Edmonds Avenue
72101-0370

Charter Number: 128
Date: June 8, 1903
FDIC Certificate Number: 1523

Home Page: www.bofmc.com
Member of Federal Reserve System
Bank Holding Company
M. D. Thompson & Son Co., McCrory, AR
CEO/Pres: Vance Thompson
VP/Sec: Betty K. Thompson
SVP: E. Jan Thompson
VP: Danice McGee
Cash and Due from: ...................................... 1,928
Federal Funds and Repos: ............................9,275
Investments: ................................................ 43,372
Net Loans:................................................... 29,078
Premises and Fixed Assets: .............................521
Other Real Estate: ............................................281
Other Assets: ...................................................943
Total Assets: ............................................... 85,398
Total Trust Assets: .............................................. 0

Deposits: .....................................................77,092
Federal Funds and Borrowings: ........................... 0
Other Liabilities:................................................. 49
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................77,141
Total Equity Capital: ......................................8,257
Total Liabilities and Capital: .........................85,398
Number of Shares Outstanding: ..................20,000

Directors: Brooke Thompson Cavitt; John D. Eldridge, III; Hamilton Neal Farmer; Fletcher
C. Lewis; Alan Morris; Arthur Oliver; Chirstopher Eric Procise; Elden Jan Thompson; Vance
M. Thompson, III
Branches in Town: None
Other Branches: None

60

Arkansas State Bank Department

McGehee Bank
McGehee, AR
VOICE: (870) 222-3151
FAX: (870) 222-6159
Trust Powers: Yes

301 North 2nd Street
71654-0787

Charter Number: 661
Date: December 5, 1933
FDIC Certificate Number: 11242
Home Page: www.mcgeheebank.com
Bank Holding Company
Southeast Financial Bankstock Corporation, McGehee, AR
Chm: William W. Bowman
VChm: John H. Potter, Jr.
CEO/Pres/TO: James M. Smith
SVP: Clarissa Herren

Cash and Due from:...................................... 4,110
Federal Funds and Repos: ........................... 5,000
Investments: ............................................... 21,576
Net Loans: .................................................. 85,999
Premises and Fixed Assets:............................. 527
Other Real Estate: ............................................... 0
Other Assets: ................................................ 3,218
Total Assets: ............................................. 120,430
Total Trust Assets: ...................................... 91,475

Deposits: .................................................... 94,548
Federal Funds and Borrowings: .................... 8,000
Other Liabilities: ............................................... 563
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 103,111
Total Equity Capital: .................................... 17,319
Total Liabilities and Capital: ...................... 120,430
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, Tillar, Watson

The Union Bank of Mena
Mena, AR
VOICE: (479) 394-2211
FAX: (479) 394-8901
Trust Powers: No

303 Hwy. 71 North
71953-0898

Charter Number: 667
Date: July 25, 1934
FDIC Certificate Number: 14597
Home Page: www.unionbankofmena.com
Member of Federal Reserve System
Bank Holding Company
Union Bankshares, Inc., Mena, AR
Chm: Edward W. Stevenson
EVP/CFO: Michael Myers
CEO/Pres: Philip B. Hensley
SVP: Kevin Williams
Cash and Due from:.................................... 26,777
Federal Funds and Repos: .................................. 0
Investments: ............................................... 24,537
Net Loans: ................................................ 156,735
Premises and Fixed Assets:.......................... 3,565
Other Real Estate: ............................................. 95
Other Assets: ................................................ 3,930
Total Assets: ............................................. 215,639
Total Trust Assets: ............................................... 0

Deposits: .................................................. 189,762
Federal Funds and Borrowings: ....................... 982
Other Liabilities: ............................................ 2,629
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 193,373
Total Equity Capital: .................................... 22,266
Total Liabilities and Capital: ...................... 215,639
Number of Shares Outstanding: .................. 12,000

Directors: J. Richard Carver; John A. Crawford; Philip B. Hensley; David Maddox; John
Maddox; Jeff Montgomery; Pauline Morrow; Michael Myers; P. T. Plunkett; Edward W.
Stevenson; Phillip Stevenson; Bill L. Wood
Branches in Town: None
Other Branches: Hatfield, Wickes

One Hundred and First Report

61

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: Bennie F. Ryburn, Jr.
VChm: Bennie Ryburn, III
Pres/CFO/COO: George T. Harris
SVP/TO: Rusty Smith
Cash and Due from: ...................................... 7,525
Federal Funds and Repos: .................................. 0
Investments: ................................................ 66,699
Net Loans:................................................. 104,473
Premises and Fixed Assets: ..........................1,634
Other Real Estate: .........................................1,028
Other Assets: ................................................ 5,528
Total Assets: ............................................. 186,887
Total Trust Assets: ...................................... 14,247

Deposits: ...................................................168,759
Federal Funds and Borrowings: ........................... 0
Other Liabilities:............................................... 469
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 169,228
Total Equity Capital: ....................................17,659
Total Liabilities and Capital: .......................186,887
Number of Shares Outstanding: ....................8,000

Directors: Joe Brannen; C. C. Gibson, III; George T. Harris; R. D. Jones, Jr.; Wayne L.
Owen, Jr.; Bennie Ryburn, III; Bennie F. Ryburn, Jr.; Ray Ryburn; Mike Ward
Branches in Town: Four
Other Branches: None

Union Bank And Trust Company
Monticello, AR
VOICE: (870) 460-6400
FAX: (870) 460-6464
Trust Powers: Yes

102 West McCloy
71657-0270

Charter Number: 448
Date: September 15, 1915
FDIC Certificate Number: 1753
Home Page: www.unionbnk.com
Bank Holding Company
First Union Financial Corporation, Monticello, AR
Chm/CEO: Zach McClendon, Jr.
EVP/Cash: Reathel Privett
Pres: Dave Dickson
TO: Denice Harper

Cash and Due from: ...................................... 8,470
Federal Funds and Repos: ...............................150
Investments: ................................................ 33,586
Net Loans:................................................. 136,993
Premises and Fixed Assets: ..........................3,698
Other Real Estate: .........................................1,726
Other Assets: ................................................ 7,612
Total Assets: ............................................. 192,235
Total Trust Assets: ...................................... 31,715

Deposits: ...................................................154,612
Federal Funds and Borrowings: ...................18,251
Other Liabilities:.............................................1,260
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 174,123
Total Equity Capital: ....................................18,112
Total Liabilities and Capital: .......................192,235
Number of Shares Outstanding: ..................80,000

Directors: Mike Akin; Ted Carmical; Charles F. Dearman, Jr.; Dave Dickson; Tommy V.
Maxwell; John S. McClendon; Robin McClendon; Zach McClendon, Jr.
Branches in Town: Two
Other Branches: Warren

62

Arkansas State Bank Department

Petit Jean State Bank
Morrilton, AR
VOICE: (501) 354-4988
FAX: (501) 354-6560
Trust Powers: No

707 North Saint Joseph Street
Charter Number: 777
72110
Date: January 27, 1999
FDIC Certificate Number: 35084
Home Page: www.pjsb.com
Member of Federal Reserve System
Bank Holding Company
Petit Jean Bancshares, Inc., Morrilton, AR
Chm/Pres: Charles S. Penick
EVP: Suzanne Hartman
EVP: Mike Dunaway
Cash and Due from:.................................... 37,678
Federal Funds and Repos: ........................... 1,000
Investments: ............................................... 63,971
Net Loans: .................................................. 77,429
Premises and Fixed Assets:.......................... 2,653
Other Real Estate: ........................................... 197
Other Assets: ................................................ 4,980
Total Assets: ............................................. 187,908
Total Trust Assets: ............................................... 0

Deposits: .................................................. 162,065
Federal Funds and Borrowings: .................... 4,109
Other Liabilities: ............................................ 1,056
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 167,230
Total Equity Capital: .................................... 20,678
Total Liabilities and Capital: ...................... 187,908
Number of Shares Outstanding: .................. 50,000

Directors: Hall M. Calhoun, III; Katherine Foust; Todd Haynes; Michael D. Koone; Otto
Lienhart, II; John Maus, III; Charles Ormond; Charles S. Penick; Larry Wayne Smith; Stanton
C. Willis
Branches in Town: One
Other Branches: None

Allied Bank
Mulberry, AR
VOICE: (479) 997-1154
FAX: (479) 997-1161
Trust Powers: No

311 Main Street
72947-0480

Charter Number: 81
Date: January 15, 1902
FDIC Certificate Number: 91

Home Page: www.justbankit.com
Member of Federal Reserve System
Bank Holding Company
Acme Holding Company, Inc., Mulberry, AR
CEO/Pres: Alex Golden
SVP: Randy Ford
SVP: Mary Burkhart
SVP/Cash: Dianna J. Millsap
Cash and Due from:.................................... 21,925
Federal Funds and Repos: .............................. 125
Investments: ................................................. 5,868
Net Loans: .................................................. 54,983
Premises and Fixed Assets:.......................... 3,247
Other Real Estate: ...................................... 11,159
Other Assets: ................................................ 1,295
Total Assets: ............................................... 98,602
Total Trust Assets: ............................................... 0

Deposits: .................................................... 90,616
Federal Funds and Borrowings: ........................... 0
Other Liabilities: ............................................... 199
Subordinated Debt: .............................................. 0
Total Liabilities: ........................................... 90,815
Total Equity Capital: ...................................... 7,787
Total Liabilities and Capital: ........................ 98,602
Number of Shares Outstanding: .................... 4,000

Directors: Betty Feller; Tom Gibbons; Alex Golden; Randall L. Hollis, Sr.; Royce D. Jones;
L. Jan Nordin
Branches in Town: One
Other Branches: Alma, Little Rock, Mansfield, Ozark

One Hundred and First Report

63

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: Tim Bainum
EVP: Johnny Gibbs
Pres: Ken "Mac" McClanahan

Cash and Due from: .................................... 21,934
Federal Funds and Repos: .................................. 0
Investments: .............................................. 137,442
Net Loans:................................................. 285,594
Premises and Fixed Assets: ..........................7,992
Other Real Estate: .........................................1,016
Other Assets: .............................................. 12,530
Total Assets: ............................................. 466,508
Total Trust Assets: .............................................. 0

Deposits: ...................................................398,345
Federal Funds and Borrowings: ...................16,856
Other Liabilities:.............................................1,941
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 417,142
Total Equity Capital: ....................................49,366
Total Liabilities and Capital: .......................466,508
Number of Shares Outstanding: ................ 172,000

Directors: Tim Bainum; Timothy “Tab” Bainum; Robert Braun; Tim Brotherton; Richard Cox;
Robert Evans; John Hearnsberger; Mac McClanahan; Larry Mitchell; Mike Moore; Harold A.
Smith; George E. Steel, Jr.
Branches in Town: None
Other Branches: DeQueen, Dierks, Glenwood, Hope,
Hot Springs (2), Mena, Mineral Springs, Mount Ida,
Nashville (2)

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.
EVP/Cash: Patricia Davis
CEO/Pres: Jim S. Gowen, Jr.
SVP/CLO: Randy Cross
Cash and Due from: ...................................... 8,214
Federal Funds and Repos: ............................3,100
Investments: ................................................ 74,035
Net Loans:................................................. 141,067
Premises and Fixed Assets: ..........................6,744
Other Real Estate: ..............................................76
Other Assets: .............................................. 10,118
Total Assets: ............................................. 243,354
Total Trust Assets: ...................................... 61,928

Deposits: ...................................................215,195
Federal Funds and Borrowings: .....................4,278
Other Liabilities:.............................................2,188
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 221,661
Total Equity Capital: ....................................21,693
Total Liabilities and Capital: .......................243,354
Number of Shares Outstanding: ....................9,000

Directors: R. M. Bledsoe; Terry L. Dillon; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Mary K.
Hardin-Stewart; Benjy Harris; Dr. Larry Williams
Branches in Town: One
Other Branches: Batesville (2), Des Arc, McCrory,
Newark, Swifton, Tuckerman

64

Arkansas State Bank Department

Piggott State Bank
Piggott, AR
VOICE: (870) 598-3802
FAX: (870) 598-2026
Trust Powers: No

212 West Cherry
72454-0307

Charter Number: 613
Date: March 10, 1930
FDIC Certificate Number: 5628
Home Page: www.piggottstatebank.com
Member of Federal Reserve System
Bank Holding Company
Piggott Bankstock, Inc., Piggott, AR
CEO/Pres: Cody Knight
VP: Joyce Benson
VP/Cash: Wanda Winberry
Cash and Due from:...................................... 7,838
Federal Funds and Repos: .................................. 0
Investments: ............................................... 39,672
Net Loans: .................................................. 30,584
Premises and Fixed Assets:............................. 626
Other Real Estate: ............................................. 42
Other Assets: ................................................... 616
Total Assets: ............................................... 79,378
Total Trust Assets: ............................................... 0

Deposits: .................................................... 71,156
Federal Funds and Borrowings: ....................... 532
Other Liabilities: ............................................... 120
Subordinated Debt: .............................................. 0
Total Liabilities: ........................................... 71,808
Total Equity Capital: ...................................... 7,570
Total Liabilities and Capital: ........................ 79,378
Number of Shares Outstanding: .................... 4,000

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

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

Cash and Due from:......................................... 621
Federal Funds and Repos: .................................. 0
Investments: ................................................. 2,687
Net Loans: .................................................. 44,291
Premises and Fixed Assets:............................. 870
Other Real Estate: ........................................... 169
Other Assets: ................................................ 2,600
Total Assets: ............................................... 51,238
Total Trust Assets: ............................................... 0

Deposits: .................................................... 40,657
Federal Funds and Borrowings: .................... 3,925
Other Liabilities: ............................................... 122
Subordinated Debt: .............................................. 0
Total Liabilities: ........................................... 44,704
Total Equity Capital: ...................................... 6,534
Total Liabilities and Capital: ........................ 51,238
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

One Hundred and First Report

65

Home Bank of Arkansas
Portland, AR
VOICE: (870) 737-2236
FAX: (870) 737-2816
Trust Powers: No

Pres: Bill Hannah
VP: Treva Branscum

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
VP: Terry Milam

Cash and Due from: ...................................... 1,370
Federal Funds and Repos: ............................8,100
Investments: ..................................................5,981
Net Loans:................................................... 54,407
Premises and Fixed Assets: ..........................1,789
Other Real Estate: .........................................2,613
Other Assets: ...................................................916
Total Assets: ............................................... 75,176
Total Trust Assets: .............................................. 0

Deposits: .....................................................67,132
Federal Funds and Borrowings: ........................... 0
Other Liabilities:............................................... 327
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................67,459
Total Equity Capital: ......................................7,717
Total Liabilities and Capital: .........................75,176
Number of Shares Outstanding: ....................4,000

Directors: Joe Benton, III; Jerold Brock; Bill Hannah; Terry Milam; Roy Montgomery
Branches in Town: None
Other Branches: Damascus, Greenbrier, Little Rock,
Marshall

Bank of Prescott
Prescott, AR
VOICE: (870) 887-2688
FAX: (870) 887-6822
Trust Powers: Yes

East 2nd at Main
71857-0490

Charter Number: 162
Date: August 10, 1904
FDIC Certificate Number: 101
Home Page: www.bankofprescott.com
Bank Holding Company
Prescott Bancshares, Inc., Prescott, AR
Chm: John Warren Brannan, Sr.
EVP: Gary McCauley
CEO/Pres: John Warren Brannan, Jr.
Treas/Sec: Karen McLelland
Cash and Due from: ...................................... 3,140
Federal Funds and Repos: .................................. 0
Investments: ................................................ 36,607
Net Loans:................................................... 39,336
Premises and Fixed Assets: .............................313
Other Real Estate: ..............................................20
Other Assets: ................................................ 1,383
Total Assets: ............................................... 80,799
Total Trust Assets: .............................................. 0

Deposits: .....................................................67,260
Federal Funds and Borrowings: .....................2,782
Other Liabilities:................................................. 61
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................70,103
Total Equity Capital: ....................................10,696
Total Liabilities and Capital: .........................80,799
Number of Shares Outstanding: ..................24,000

Directors: John Warren Brannan, Jr.; John Warren Brannan, Sr.; W. Herman Brown; Brad
Crain; Carl Dalrymple, Jr.; Jason Gutierrez; Billy Hines; Gary McCauley; Larry Rhodes;
Robert Smith
Branches in Town: None
Other Branches: None

66

Arkansas State Bank Department

Gateway Bank
Rison, AR
VOICE: (870) 325-6251
FAX: (870) 325-7661
Trust Powers: No

Chm: Lewis R. Gardner
Pres/Sec: Troy Duke

112 Main Street
71665-0345

Charter Number: 650
Date: March 7, 1932
FDIC Certificate Number: 8730
Home Page: www.thebankofrison.com
Bank Holding Company
Sigma Holdings, Inc., Rison, AR
VP: Amber Offutt

Cash and Due from:...................................... 6,023
Federal Funds and Repos: .................................. 0
Investments: ................................................. 4,336
Net Loans: .................................................. 22,252
Premises and Fixed Assets:............................. 963
Other Real Estate: ............................................... 0
Other Assets: ................................................ 1,305
Total Assets: ............................................... 34,879
Total Trust Assets: ............................................... 0

Deposits: .................................................... 29,836
Federal Funds and Borrowings: ....................... 525
Other Liabilities: ................................................. 51
Subordinated Debt: .............................................. 0
Total Liabilities: ........................................... 30,412
Total Equity Capital: ...................................... 4,467
Total Liabilities and Capital: ........................ 34,879
Number of Shares Outstanding: .................... 4,000

Directors: Troy D. Duke; Lewis R. Gardner; Rhonda Gardner; James W. Searcy; Mike
Wallace
Branches in Town: None
Other Branches: Malvern

Parkway Bank
Rogers, AR
VOICE: (479) 464-9797
FAX: (479) 464-9796
Trust Powers: No

3350 Pinnacle Hills Parkway
Charter Number: 57
72758
Date: April 23, 1900
FDIC Certificate Number: 20160
Home Page: www.parkway-bank.com
Bank Holding Company
Parkway Bankshares, Inc., Portland, AR
CEO/Pres: Robert Y. Taylor
CFO: Leslie Borgognoni
Reg Pres: Chris Lampkin
Cash and Due from:...................................... 5,416
Federal Funds and Repos: .............................. 625
Investments: ............................................... 24,825
Net Loans: .................................................. 92,835
Premises and Fixed Assets:.......................... 2,561
Other Real Estate: ........................................ 1,260
Other Assets: ................................................ 4,270
Total Assets: ............................................. 131,792
Total Trust Assets: ............................................... 0

Deposits: .................................................. 102,157
Federal Funds and Borrowings: .................. 14,054
Other Liabilities: ............................................... 285
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 116,496
Total Equity Capital: .................................... 15,296
Total Liabilities and Capital: ...................... 131,792
Number of Shares Outstanding: .................. 20,000

Directors: Chris Lampkin; Mike Necessary; Benton Newcome; Joel Newcome; Eddie
Scherm; Robert Y. Taylor
Branches in Town: None
Other Branches: Crossett, Monticello (2), Portland

One Hundred and First Report

67

Pinnacle Bank
Rogers, AR
VOICE: (479) 619-2000
FAX: (479) 619-2701
Trust Powers: No

4201 W. New Hope Road, Suite 101
Charter Number: 145
72758
Date: October 31, 1903
FDIC Certificate Number: 11256
Home Page: www.pinnaclebk.com
Bank Holding Company
Pinnacle Bancshares, Inc., Rogers, AR
Chm/CEO: Wade Ruckle
Pres: David Bordovsky
Cash and Due from: .........................................753
Federal Funds and Repos: ............................4,784
Investments: ................................................ 22,031
Net Loans:................................................... 41,174
Premises and Fixed Assets: .............................132
Other Real Estate: ....................................... 15,692
Other Assets: ................................................ 1,617
Total Assets: ............................................... 86,183
Total Trust Assets: .............................................. 0

Deposits: .....................................................69,144
Federal Funds and Borrowings: .....................4,950
Other Liabilities:............................................... 418
Subordinated Debt: .......................................2,000
Total Liabilities: ...........................................76,512
Total Equity Capital: ......................................9,671
Total Liabilities and Capital: .........................86,183
Number of Shares Outstanding: ................ 225,264

Directors: David Estes; Guy Fisher; Thomas Garrison; Clarence Guinn; Bruce Loftin; Wade
Ruckle; Alan L. Sharp; Ralph Vernetti
Branches in Town: None
Other Branches: None

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 H. Blanchard
EVP/CLO: Barton Allen
Pres/COO: Charles “Chip” B. Blanchard
EVP/Sec: Toni B. Laws
Cash and Due from: .................................... 10,126
Federal Funds and Repos: ...............................800
Investments: ................................................ 29,458
Net Loans:................................................. 161,659
Premises and Fixed Assets: ..........................6,060
Other Real Estate: ............................................... 0
Other Assets: ................................................9,477
Total Assets: ............................................. 217,580
Total Trust Assets: .............................................. 0

Deposits: ...................................................185,139
Federal Funds and Borrowings: .....................7,797
Other Liabilities:............................................... 565
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 193,501
Total Equity Capital: ....................................24,079
Total Liabilities and Capital: .......................217,580
Number of Shares Outstanding: ..................20,000

Directors: Patty Barker; James C. Biggers; Charles H. Blanchard; Chip Blanchard; Terry
Freeman; Maxie L. Mathis, III; Mike Miller; Johnny K. Morgan; C. Tim White; Phil Wright
Branches in Town: Four
Other Branches: Ola

68

Arkansas State Bank Department

Bank of Salem
Salem, AR
VOICE: (870) 895-2591
FAX: (870) 895-3825
Trust Powers: No

207 West Church Street
72576-0338

Charter Number: 266
Date: December 9, 1908
FDIC Certificate Number: 11243
Home Page: www.bksalem.net
Member of Federal Reserve System
Bank Holding Company
Smith Associated Banking Corporation, Hot Springs, AR
Chm/CEO/Pres: Mark Montgomery
SVP: Mike Falco

Cash and Due from:...................................... 8,656
Federal Funds and Repos: ........................... 3,611
Investments: ................................................. 2,811
Net Loans: ................................................ 104,637
Premises and Fixed Assets:.......................... 1,787
Other Real Estate: ........................................... 850
Other Assets: ................................................ 7,575
Total Assets: ............................................. 129,927
Total Trust Assets: ............................................... 0

Deposits: .................................................. 110,125
Federal Funds and Borrowings: .................... 2,695
Other Liabilities: ............................................... 597
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 113,417
Total Equity Capital: .................................... 16,510
Total Liabilities and Capital: ...................... 129,927
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
Chm/CEO/Pres: Gary Fritsche
Cash: Don Fritsche
SVP: Jerry L. Davis
Cash and Due from:...................................... 2,127
Federal Funds and Repos: .............................. 475
Investments: ............................................... 50,662
Net Loans: .................................................. 24,644
Premises and Fixed Assets:............................. 412
Other Real Estate: ............................................. 19
Other Assets: ................................................... 955
Total Assets: ............................................... 79,294
Total Trust Assets: ............................................... 0

Deposits: .................................................... 64,872
Federal Funds and Borrowings: ........................... 0
Other Liabilities: ............................................... 121
Subordinated Debt: .............................................. 0
Total Liabilities: ........................................... 64,993
Total Equity Capital: .................................... 14,301
Total Liabilities and Capital: ........................ 79,294
Number of Shares Outstanding: .................... 4,000

Directors: Eddie Ahne; Don Fritsche; Gary Fritsche; Ronnie Layes; Joe Fritsche
Branches in Town: None
Other Branches: Subiaco

One Hundred and First Report

69

First Security Bank
Searcy, AR
VOICE: (501) 279-3400
FAX: (501) 279-3486
Trust Powers: Yes

314 North Spring Street
72145-1009

Charter Number: 649
Date: February 6, 1932
FDIC Certificate Number: 5633
Home Page: www.fsbank.com
Bank Holding Company
First Security Bancorp, Searcy, AR
Chm/CEO: Reynie Rutledge
EVP: J. Mark Ferguson
Pres: Michael C. Hutsell
TO: Frank Faust
Cash and Due from: .................................... 90,342
Federal Funds and Repos: ........................ 161,500
Investments: ........................................... 2,526,530
Net Loans:.............................................. 1,850,046
Premises and Fixed Assets: ...................... 104,680
Other Real Estate: ....................................... 12,237
Other Assets: .............................................. 86,114
Total Assets: .......................................... 4,831,449
Total Trust Assets: .................................... 963,511

Deposits: ................................................ 3,618,254
Federal Funds and Borrowings: ................. 490,670
Other Liabilities:.............................................6,599
Subordinated Debt: ............................................. 0
Total Liabilities: ...................................... 4,115,523
Total Equity Capital: ..................................715,926
Total Liabilities and Capital: .................... 4,831,449
Number of Shares Outstanding: ..................24,000

Directors: Dr. David Burks; J. Mark Ferguson; Michael C. Hutsell; Steve Lightle; John
McKnight; Wayne Ridout; Dr. Porter R. Rodgers, Jr.; Reynie Rutledge; William Scholl; Jim
Tarkington; James G. Wilson
Branches in Town: Three
Other Branches: Beebe (3), Benton (3), Bentonville (2),
Bryant (3), Bull Shoals, Cabot (3), Clarksville (4), Clinton,
Coal Hill, Conway (6), Farmington, Fayetteville (5), Gassville,
Greenbrier, Griffithville, Heber Springs (2), Hot Springs,
Jonesboro (3), Judsonia, Little Rock (8), Lowell, Maumelle,
Mayflower, McRae, Mountain Home (4), Mountain View,
North Little Rock (3), Pangburn, Rogers (3), Springdale (5),
Vilonia

70

Arkansas State Bank Department

Peoples Bank
Sheridan, AR
VOICE: (870) 942-5707
FAX: (870) 942-2489
Trust Powers: No

1120 South 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: John D. Manatt
SVP: G. Jannette Jones
EVP: Craig L. Manatt

Cash and Due from:.................................... 13,714
Federal Funds and Repos: .................................. 0
Investments: ............................................... 40,251
Net Loans: .................................................. 66,149
Premises and Fixed Assets:.......................... 2,501
Other Real Estate: ............................................. 60
Other Assets: ................................................ 3,551
Total Assets: ............................................. 126,226
Total Trust Assets: ............................................... 0

Deposits: .................................................. 107,797
Federal Funds and Borrowings: ........................... 0
Other Liabilities: ............................................... 312
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 108,109
Total Equity Capital: .................................... 18,117
Total Liabilities and Capital: ...................... 126,226
Number of Shares Outstanding: .................. 56,562

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

Smackover State Bank
Smackover, AR
VOICE: (870) 725-3051
FAX: (870) 725-3049
Trust Powers: Yes

708 North Broadway Street
71762-0107

Charter Number: 600
Date: April 18, 1928
FDIC Certificate Number: 5623
Home Page: www.smackoverbank.com
Bank Holding Company
Smackover Bancshares, Inc., Smackover, AR
CEO/Pres: Bob Willett
SVP: James B. Yeager
SVP: J. Drew Tennyson
Cash and Due from:...................................... 8,702
Federal Funds and Repos: ........................... 6,900
Investments: ............................................. 108,743
Net Loans: .................................................. 64,086
Premises and Fixed Assets:.......................... 2,166
Other Real Estate: ........................................... 332
Other Assets: ................................................ 1,151
Total Assets: ............................................. 192,080
Total Trust Assets: ............................................... 0

Deposits: .................................................. 169,729
Federal Funds and Borrowings: ........................... 0
Other Liabilities: ............................................... 294
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 170,023
Total Equity Capital: .................................... 22,057
Total Liabilities and Capital: ...................... 192,080
Number of Shares Outstanding: ................ 100,000

Directors: Dr. Richard Davis; Gary deYampert; Frances E. Tennyson; J. Drew Tennyson;
Bob Willett; James B. Yeager
Branches in Town: None
Other Branches: El Dorado (2), Norphlet

One Hundred and First Report

71

Riverside Bank
Sparkman, AR
VOICE: (870) 678-2251
FAX: (870) 678-2401
Trust Powers: No

Commerce and Main Streets
71763-0127

Charter Number: 457
Date: September 19, 1916
FDIC Certificate Number: 93
Home Page: www.riversidebanc.com
Bank Holding Company
Riverside Bancshares, Inc., Little Rock, AR
CEO/VChm: Stephen C. Davis
Pres: Robert G. Dudley, Jr.
Cash and Due from: .........................................740
Federal Funds and Repos: .................................. 0
Investments: .....................................................698
Net Loans:................................................... 52,515
Premises and Fixed Assets: ..........................2,705
Other Real Estate: ............................................107
Other Assets: ................................................ 1,625
Total Assets: ............................................... 58,390
Total Trust Assets: .............................................. 0

Deposits: .....................................................47,279
Federal Funds and Borrowings: .....................5,550
Other Liabilities:................................................. 80
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................52,909
Total Equity Capital: ......................................5,481
Total Liabilities and Capital: .........................58,390
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
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
Cont: Rebecca Johnson
SVP/CLO: Richie Lamb
Cash and Due from: ...................................... 5,895
Federal Funds and Repos: ............................2,950
Investments: ................................................ 10,300
Net Loans:................................................. 119,314
Premises and Fixed Assets: ..........................6,844
Other Real Estate: ............................................195
Other Assets: ................................................1,651
Total Assets: ............................................. 147,149
Total Trust Assets: .............................................. 0

Deposits: ...................................................115,258
Federal Funds and Borrowings: .....................8,727
Other Liabilities:............................................... 799
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 124,784
Total Equity Capital: ....................................22,365
Total Liabilities and Capital: .......................147,149
Number of Shares Outstanding: ................ 100,000

Directors: Dick Barclay; John Ervin; Nathan Gairhan; Michele Harrington; Darrin Pitts;
Donald R. Pitts; John Scott; Craig Young
Branches in Town: One
Other Branches: Fayetteville, Rogers

72

Arkansas State Bank Department

Bodcaw Bank
Stamps, AR
VOICE: (870) 533-4486
FAX: (870) 533-4456
Trust Powers: No

Chm: J. Paul Nipper
Pres/Sec: Scott Hultberg

307 Thomas Street
71860-0008

Charter Number: 106
Date: December 8, 1902
FDIC Certificate Number: 5624
Home Page: www.bodcawbank.com
Bank Holding Company
Bodcaw Bancshares, Inc., Stamps, AR
Cash: Brenda Scroggins

Cash and Due from:...................................... 5,262
Federal Funds and Repos: ........................... 2,325
Investments: ............................................... 43,080
Net Loans: .................................................. 24,083
Premises and Fixed Assets:............................... 50
Other Real Estate: ............................................... 0
Other Assets: ................................................... 704
Total Assets: ............................................... 75,504
Total Trust Assets: ............................................... 0

Deposits: .................................................... 66,649
Federal Funds and Borrowings: ........................... 0
Other Liabilities: ............................................... 216
Subordinated Debt: .............................................. 0
Total Liabilities: ........................................... 66,865
Total Equity Capital: ...................................... 8,639
Total Liabilities and Capital: ........................ 75,504
Number of Shares Outstanding: .................. 10,000

Directors: Charles L. Cabe, Jr.; D. Copie Dickson; Scott Hultberg; Billie Nipper; J. Paul
Nipper; Danny K. Smith; John W. Smith, Jr.
Branches in Town: None
Other Branches: None

Bank of Star City
Star City, AR
VOICE: (870) 628-4286
FAX: (870) 628-5274
Trust Powers: No

116 North Lincoln Avenue
71667-0069

Charter Number: 567
Date: April 27, 1925
FDIC Certificate Number: 5634
Home Page: www.bankofstarcity.com
Member of Federal Reserve System
Bank Holding Company
Star City Bancshares, Inc., Star City, AR
Chm/CEO: Bennie F. Ryburn, Jr.
Pres: R. Mark Owen

Cash and Due from:...................................... 1,559
Federal Funds and Repos: .................................. 0
Investments: ............................................... 26,868
Net Loans: .................................................. 60,428
Premises and Fixed Assets:.......................... 3,307
Other Real Estate: ........................................... 439
Other Assets: ................................................ 1,202
Total Assets: ............................................... 93,803
Total Trust Assets: ............................................... 0

Deposits: .................................................... 78,159
Federal Funds and Borrowings: .................... 2,162
Other Liabilities: ............................................... 133
Subordinated Debt: .............................................. 0
Total Liabilities: ........................................... 80,454
Total Equity Capital: .................................... 13,349
Total Liabilities and Capital: ........................ 93,803
Number of Shares Outstanding: .................. 15,000

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

One Hundred and First Report

73

Security Bank
Stephens, AR
VOICE: (870) 786-5416
FAX: (870) 786-5419
Trust Powers: No

105 Ruby Street
71764-0007

Charter Number: 692
Date: February 8, 1946
FDIC Certificate Number: 16395
Home Page: www.secbnk.com
Bank Holding Company
Smith Associated Banking Corporation, Hot Springs, AR
Chm: Carol Reaves
EVP: Duncan Grayson
CEO/Pres: Guy R. "Buck" Smith
EVP/CFO/COO: Cheryl Brown
Cash and Due from: ...................................... 3,334
Federal Funds and Repos: ...............................150
Investments: ..................................................7,387
Net Loans:................................................... 42,397
Premises and Fixed Assets: ..........................1,722
Other Real Estate: ..............................................62
Other Assets: ................................................ 2,288
Total Assets: ............................................... 57,340
Total Trust Assets: .............................................. 0

Deposits: .....................................................51,176
Federal Funds and Borrowings: ........................... 0
Other Liabilities:.............................................1,197
Subordinated Debt: ............................................. 0
Total Liabilities: ...........................................52,373
Total Equity Capital: ......................................4,967
Total Liabilities and Capital: .........................57,340
Number of Shares Outstanding: ..................11,000

Directors: Duncan Grayson; Carol Reaves; Buck Smith; Jay C. Wilson
Branches in Town: None
Other Branches: None

The Farmers and Merchants Bank
Stuttgart, AR
VOICE: (870) 673-6911
FAX: (870) 672-4282
Trust Powers: Yes

708 South Main Street
72160-1016

Charter Number: 687
Date: December 29, 1944
FDIC Certificate Number: 16216
Home Page: www.mebanking.com
Member of Federal Reserve System
Bank Holding Company
The Farmers and Merchants Bankshares, Inc., Stuttgart, AR
Chm: Roy O. McCollum, III
CEO/Pres: Gary Hudson

Cash and Due from: .................................... 26,218
Federal Funds and Repos: ...............................117
Investments: .............................................. 119,866
Net Loans:................................................. 495,278
Premises and Fixed Assets: ..........................5,465
Other Real Estate: .........................................3,974
Other Assets: .............................................. 51,738
Total Assets: ............................................. 702,656
Total Trust Assets: ...................................... 78,532

Deposits: ...................................................475,753
Federal Funds and Borrowings: ................. 120,191
Other Liabilities:.............................................4,965
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 600,909
Total Equity Capital: .................................. 101,747
Total Liabilities and Capital: .......................702,656
Number of Shares Outstanding: ................ 100,000

Directors: Gerald Carter; Bradley A. Chambless; Greg Connell; Gary Hudson; Roy O.
McCollum, III; Don Pattillo; Mickey Pierce; Robert H. Pond; Robert Seidenstricker; Patricia
M. Townsend; Ray Vester
Branches in Town: Four
Other Branches: Des Arc, DeWitt, Hazen, Marianna,
Morrilton, Perryville

74

Arkansas State Bank Department

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:.................................... 15,491
Federal Funds and Repos: .................................. 0
Investments: ............................................. 134,111
Net Loans: ................................................ 207,443
Premises and Fixed Assets:.......................... 4,400
Other Real Estate: ............................................. 74
Other Assets: .............................................. 12,451
Total Assets: ............................................. 373,970
Total Trust Assets: ...................................... 11,412

Deposits: .................................................. 326,658
Federal Funds and Borrowings: .................... 1,102
Other Liabilities: ............................................ 1,813
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 329,573
Total Equity Capital: .................................... 44,397
Total Liabilities and Capital: ...................... 373,970
Number of Shares Outstanding: .................. 16,000

Directors: J. Kevin Bell; Warren D. Blaylock; 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, Mountainburg

First State Bank of Warren
Warren, AR
VOICE: (870) 226-2601
FAX: (870) 226-2253
Trust Powers: Yes

104 South 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
Chm/CEO: Bennie F. Ryburn, Jr.
Pres: Freddie M. Mobley
VChm: Bennie Ryburn, III
EVP/TO: Hugh Quimby

Cash and Due from:...................................... 7,968
Federal Funds and Repos: .................................. 0
Investments: ............................................... 51,277
Net Loans: .................................................. 41,374
Premises and Fixed Assets:.......................... 1,120
Other Real Estate: ............................................... 0
Other Assets: ................................................ 3,194
Total Assets: ............................................. 104,933
Total Trust Assets: ........................................... 797

Deposits: .................................................... 93,606
Federal Funds and Borrowings: ........................... 0
Other Liabilities: ............................................... 139
Subordinated Debt: .............................................. 0
Total Liabilities: ........................................... 93,745
Total Equity Capital: .................................... 11,188
Total Liabilities and Capital: ...................... 104,933
Number of Shares Outstanding: .................. 59,000

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

One Hundred and First Report

75

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: ...................................... 4,211
Federal Funds and Repos: ............................4,075
Investments: ................................................ 86,813
Net Loans:................................................... 41,030
Premises and Fixed Assets: .............................738
Other Real Estate: ............................................299
Other Assets: ................................................ 1,222
Total Assets: ............................................. 138,388
Total Trust Assets: ...................................... 21,439

Deposits: ...................................................111,411
Federal Funds and Borrowings: .....................5,455
Other Liabilities:............................................... 136
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 117,002
Total Equity Capital: ....................................21,386
Total Liabilities and Capital: .......................138,388
Number of Shares Outstanding: ..................48,000

Directors: Bruce Anderson; Kelly Ashcraft; Dr. Donnie R. Bryant; Gerald Burton; Carlton E.
Davis; John B. Frazer, Jr.; Dr. Rocky K. Lindsey; Jeffrey B. McGaha; Dr. Kerry F.
Pennington
Branches in Town: Two
Other Branches: Hermitage

Evolve Bank & Trust
West Memphis, AR
VOICE: (901) 624-5500
FAX: (901) 624-5540
Trust Powers: Yes

301 Shoppingway Boulevard
72301-1719

Charter Number: 568
Date: June 5, 1925
FDIC Certificate Number: 1299
Home Page: www.getevolved.com
Member of Federal Reserve System
Bank Holding Company
Evolve Bancorp, Inc., West Memphis, AR
Chm: Scot Lenoir
EVP/CFO: John Copeland
CEO/Pres: Scott Stafford

Cash and Due from: ...................................... 6,298
Federal Funds and Repos: .................................. 0
Investments: ................................................ 18,878
Net Loans:................................................. 319,171
Premises and Fixed Assets: ..........................4,725
Other Real Estate: .........................................2,599
Other Assets: .............................................. 24,797
Total Assets: ............................................. 376,468
Total Trust Assets: .................................... 553,792

Deposits: ...................................................260,151
Federal Funds and Borrowings: ...................69,105
Other Liabilities:...........................................11,490
Subordinated Debt: ............................................. 0
Total Liabilities: ......................................... 340,746
Total Equity Capital: ....................................35,722
Total Liabilities and Capital: .......................376,468
Number of Shares Outstanding: ....................4,000

Directors: Alvinor Bright, Jr.; Donald Clanton; Lewis Holland; Forrest N. Jenkins; Scot
Lenoir; Lon Magness; John T. Pitts, Jr.; W. Scott Stafford; Stephen Valentine
Branches in Town: None
Other Branches: Memphis[TN], Parkin, Wynne

76

Arkansas State Bank Department

Cross County Bank
Wynne, AR
VOICE: (870) 238-8171
FAX: (870) 238-4052
Trust Powers: Yes

1 Cross County Plaza
72396-0009

Charter Number: 25
Date: June 5, 1891
FDIC Certificate Number: 13821
Home Page: www.crosscountybank.com
Member of Federal Reserve System
Bank Holding Company
Cross County Bancshares, Inc., Wynne, AR
Chm: Dr. Willard G. Burks
SVP/CFO: Beth Dildine
CEO/Pres/TO: David Dowd
SVP/CLO: Jack Runsick

Cash and Due from:...................................... 5,194
Federal Funds and Repos: .................................. 0
Investments: ............................................... 20,745
Net Loans: ................................................ 181,638
Premises and Fixed Assets:.......................... 5,297
Other Real Estate: ........................................ 4,469
Other Assets: ................................................ 6,882
Total Assets: ............................................. 224,225
Total Trust Assets: ...................................... 10,743

Deposits: .................................................. 164,452
Federal Funds and Borrowings: .................. 33,317
Other Liabilities: ................................................. 56
Subordinated Debt: .............................................. 0
Total Liabilities: ......................................... 197,825
Total Equity Capital: .................................... 26,400
Total Liabilities and Capital: ...................... 224,225
Number of Shares Outstanding: .................... 4,000

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

REPORT OF THE

STATE CHARTERED
NON-PROFIT ORGANIZATION

(NOT ENGAGED IN
COMMERCIAL BANKING)

JUNE 30, 2015

78

Arkansas State Bank Department

Arkansas Capital Corporation
Little Rock, AR
VOICE: (501) 374-9247
FAX: (501) 374-9425
Trust Powers: No

Chm: Dennis Cooper
Pres/COO: Sam Walls, III

200 River Market Avenue, Suite 400
72201-1766

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

Home Page: www.arcapital.com
Holding Company
None
VP: Brad Chambless

Cash and Due from:...................................... 5,746
Federal Funds and Repos: .................................. 0
Investments: ................................................. 8,469
Net Loans: .................................................. 34,855
Premises and Fixed Assets:............................. 907
Other Real Estate: ............................................... 0
Other Assets: ................................................ 1,819
Total Assets: ............................................... 51,796
Total Trust Assets: ............................................... 0

Deposits: ............................................................. 0
Federal Funds and Borrowings: .................. 43,754
Other Liabilities: ............................................... 297
Subordinated Debt: .............................................. 0
Total Liabilities: ........................................... 44,051
Total Equity Capital: ...................................... 7,745
Total Liabilities and Capital: ........................ 51,796
Number of Shares Outstanding: .................... 1,067

Directors: Orville E. Abrams; Aaron Burks; Kevin Burns; Charles Cervantes; Brad
Chambless; Dennis Cooper; Rush Deacon; Bill Holmes; Mike Malone; Sandra Massey; Virgil
L. Miller, Jr.; Martha Moore; Mike Preston; Frank D. Scott, Jr.; David H. Shindler; William T.
Staed
Branches in Town: None
Other Branches: Fayetteville, Jonesboro

REPORT OF THE

STATE CHARTERED
TRUST COMPANY

(NOT ENGAGED IN
COMMERCIAL BANKING)

JUNE 30, 2015

80

Arkansas State Bank Department

Community First Trust Company
Hot Springs, AR
VOICE: (501) 520-3660
FAX: (501) 520-3667
Trust Powers: Yes

135 Section Line Road, C-1
71913

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

Home Page: www.communityfirsttrust.com
Holding Company
None
CEO/Pres: William L. Kerst, Jr.
CFO: Leslie 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, 2015

Arkansas State Bank Department

82

Perry County Industrial Development Corporation
Perryville, AR
VOICE: (501) 889-2621
FAX: (501) 889-2966
Trust Powers: No

Pres: Mark Roland
VP: John C. Branscum
Branches in Town: None

P. O. Box 869
72126-0869

Holding Company
None
Treas: Janice Moore
Other Branches: Nonee

Charter Number: 3003
Date: Aug. 18, 1994
County: Perry

ALL COMMERCIAL BANKS
HEADQUARTERED
IN ARKANSAS,
LISTED BY COUNTY
AND
A MAP IDENTIFYING ALL OF THE
STATE’S 75 COUNTIES

JUNE 30, 2015

Arkansas State Bank Department

84

COUNTY

BANK

CITY

Arkansas

Arkansas County Bank
DeWitt Bank And Trust Company
The Farmers and Merchants Bank

Ashley

First National Bank of Crossett
First State Bank
Farmers Bank
Home Bank of Arkansas

Baxter

Integrity First Bank, National Association

Benton

Bank of Gravett
Parkway Bank
Pinnacle Bank

Gravette
Rogers
Rogers

Boone

Community First Bank

Harrison

Bradley

First State Bank of Warren
Warren Bank and Trust Company

Calhoun

First Bank

Carroll

First National Bank of North Arkansas
Cornerstone Bank
AnStaff Bank, National Association

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

Allied Bank
Citizens Bank & Trust Company

Crittenden

First Community Bank of Eastern Arkansas
Evolve Bank & Trust
Fidelity National Bank

DeWitt
DeWitt
Stuttgart
Crossett
Crossett
Hamburg
Portland
Mountain Home

Warren
Warren
Hampton
Berryville
Eureka Springs
Green Forest

Piggott
Rison

Mulberry
Van Buren
Marion
West Memphis
West Memphis

One Hundred and First Report

85

COUNTY

BANK

CITY

Cross

Cross County Bank
The First National Bank of Wynne

Dallas

FBT Bank & Mortgage
Riverside Bank

Fordyce
Sparkman

Desha

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

Dumas
McGehee
McGehee

Drew

Commercial Bank & Trust Company
Union Bank And Trust Company

Monticello
Monticello

Faulkner

Centennial Bank
First Service Bank

Conway
Greenbrier

Fulton

Bank of Salem

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 First National Bank

Lafayette

Community State Bank
Bodcaw Bank

Lawrence

The First National Bank of Lawrence County

Lincoln

Bank of Star City

Logan

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

Wynne
Wynne

Salem
Sheridan
Paragould
Malvern
Batesville
Batesville
Calico Rock
Newport
Pine Bluff
Pine Bluff
Bradley
Stamps
Walnut Ridge
Star City
Booneville
Paris
Scranton

Arkansas State Bank Department

86

COUNTY

BANK

CITY

Lonoke

Bank of England
First State Bank

Madison

Today's Bank

Marion

Twin Lakes Community Bank

Mississippi

Farmers Bank And Trust Company

Blytheville

Monroe

The Merchants and Planters Bank

Clarendon

Nevada

Bank of Prescott

Prescott

Ouachita

Bank of Bearden
Security Bank

Bearden
Stephens

Phillips

Helena National Bank

Pike

Bank of Delight
Diamond Bank

Delight
Murfreesboro

Poinsett

Little River Bank
First Delta Bank

Lepanto
Marked Tree

Polk

The Union Bank of Mena

Pope

First State Bank

Pulaski

First Arkansas Bank & Trust
Bank of Little Rock
Bank of the Ozarks
Bear State Bank, National Association
Central Bank
Eagle Bank & Trust Company
Heartland Community Bank
One Bank & Trust, National Association
The Capital Bank

Jacksonville
Little Rock
Little Rock
Little Rock
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

England
Lonoke
Huntsville
Flippin

Helena - West Helena

Mena
Russellville

One Hundred and First Report

87

COUNTY

BANK

CITY

Sevier

First State Bank of DeQueen
Horatio State Bank

DeQueen
Horatio

Sharp

FNBC Bank
Bank of Cave City

Ash Flat
Cave City

St. Francis

First National Bank of Eastern Arkansas
Forrest City Bank, National Association

Stone

Ozark Heritage Bank, National Association

Union

First Financial Bank
Smackover State Bank

El Dorado
Smackover

Washington

Arvest Bank
Signature Bank of Arkansas
The Bank of Fayetteville
Legacy National Bank
United Bank

Fayetteville
Fayetteville
Fayetteville
Springdale
Springdale

White

First Security Bank

Woodruff

The Bank of Augusta
Bank of McCrory

Yell

Chambers Bank
River Town Bank

Forrest City
Forrest City
Mountain View

Searcy
Augusta
McCrory
Danville
Dardanelle

88

Arkansas State Bank Department

MAP OF
ARKANSAS COUNTIES

ARKANSAS

BANK HOLDING COMPANIES

WHICH OWN

STATE CHARTERED BANKS

IN ARKANSAS

JUNE 30, 2015

Arkansas State Bank Department

90

Southern Bancorp Inc.
Arkadelphia, AR
RSSD Number: 1248939
VOICE: (870) 246-3945
FAX: (870) 246-2182

605 Main, Suite 202
605 Main, Suite 202
71923-6037

Chm: Glen Jones
CEO: Darrin Williams

CFO: Christopher Wewers

Subsidiaries:
Southern Bancorp Bank
Southern Bancorp Investment Fund I, LLC
Southern Landlord LLC
Creekside Holdings LLC
Southern Development Capital Trust
Southern Development Statutory Trust III
Southern Development Statutory Trust IV
Southern Property Corporation of the Delta
SBI Acquisition, Inc.

Arkadelphia, AR
Arkadelphia, AR
Arkadelphia, AR
Madison, MS
Arkadelphia, AR
Arkadelphia, AR
Arkadelphia, AR
Arkadelphia, AR
Madison, MS

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

Chm/CEO/Pres: Martin Carpenter
VP: Marty Sellars

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
CEO/Pres: Phil Baldwin
EVP/Sec: Greg Shaver
Subsidiaries:
The Citizens Bank
Citizens Bancshares (AR) Statutory Trust I

200 South Third Street
P.O. Box 2156
72503-2156
SVP/CFO: Karen Shaw

Batesville, AR
Batesville, AR

One Hundred and First Report

91

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

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

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

CFO: Jason Taylor
Sec: Dianne Lamberth

Subsidiaries:
First Community Bank
Batesville Insurance Agency, Inc.
First Community Real Estate, Inc.
WR Holding Co., LLC

Batesville, AR
Batesville, AR
Batesville, AR
Batesville, AR

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

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

Bearden, AR
Bearden, AR

92

Arkansas State Bank Department

Arvest Bank Group, Inc.
Bentonville, AR
RSSD Number: 1095674
VOICE: (479) 464-1500
FAX: (479) 464-1540
Chm/CEO/Pres: Jim C. Walton
VP/Treas/Sec: Richard D. Chapman
Subsidiaries:
Arvest Holdings, Inc.
Arvest Bank
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
Arvest Bannister Realty Company
D 3 Technology, Inc.
Security Bankcard Center, Inc.
Southwest Cattlemen's Corporation
Superior Finance Company
NBC Capital Trust I
NBC Capital Trust II
Superior Financial Statutory Trust II
CFB Aviation, LLC
AREH LLC
Arvest Statutory Trust I

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
Kansas City, MO
Omaha, NE
Norman, OK
Tulsa, OK
Tulsa, OK
North Little Rock, AR
North Little Rock, AR
Hartford, CT
Bentonville, AR
Lowell, AR
Hartford, CT

One Hundred and First Report

93

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

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

Chm/CEO/Pres: Jim C. Walton

VP/Treas/Sec: Richard D. Chapman

Subsidiaries:
Arvest Bank
Central Mortgage Company
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
Arvest Bannister Realty Company
D 3 Technology, Inc.
Security Bankcard Center, Inc.
Southwest Cattlemen's Corporation
Superior Finance Company
NBC Capital Trust I
NBC Capital Trust II
Superior Financial Statutory Trust II

Fayetteville, AR
Little Rock, AR
Lowell, AR
Lowell, AR
Lowell, AR
Lowell, AR
Lowell, AR
Lowell, AR
Rogers, AR
Springdale, AR
Kansas City, MO
Omaha, NE
Norman, OK
Tulsa, OK
Tulsa, OK
North Little Rock, AR
North Little Rock, AR
Hartford, CT

Farmers Bancorp, Inc.
Blytheville, AR
RSSD Number: 1247615
VOICE: (870) 763-8101
FAX: (870) 763-3500
Chm/CEO/Pres: Steve Bell
VP: Paula O. Blackwell
Subsidiaries:
Farmers Bank And Trust Company
180 Campbellsville, LLC

400 West Main Street
P.O. Box 688
72316-0688
Sec: Randy Scott

Blytheville, AR
Franklin, TN

Arkansas State Bank Department

94

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: John T. Hampton
Subsidiaries:
First Western Bancshares, Inc.
First Western Bank
First Western Financial, Inc.
First Western Insurance Agency, Inc.
First Western Mortgage, Inc.
First Western Properties, Inc.
First Western Statutory Trust II
First Western Statutory Trust III

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

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

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

Bank Holding Company
First Western Bancshares ESOT, Booneville, AR
Chm/CEO: John T. Hampton
EVP: Ty Hampton
Subsidiaries:
First Western Bank
First Western Financial, Inc.
First Western Insurance Agency, Inc.
First Western Mortgage, Inc.
First Western Properties, Inc.
First Western Statutory Trust II
First Western Statutory Trust III

VP/Sec: Debbie Danekas

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

One Hundred and First Report

95

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

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

Pres: Jonathan W. Harrell
VP: Paul Lindsey

Sec: Phillip J. Foster

Subsidiaries:
First Bank
Simply Home Lending Inc.

Hampton, AR
Fayetteville, AR

Sharp Bancshares, Inc.
Cave City, AR
RSSD Number: 1099663
VOICE: (870) 283-5301
FAX: (870) 283-6466

137 South Main
P.O. Box 490
72521-0490

Chm: Samuel F. Beller
CEO/Pres: John Beller

VChm: Bruce Street

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 Street
P.O. Box 280
72029-0280
CEO/Pres: J. Kendall Henry

Clarendon, AR

96

Arkansas State Bank Department

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

Subsidiaries:
Centennial Bank
Centennial Insurance Agency, Inc.
Grand Prairie Title Company, Inc.
Freedom Insurance Group, Inc.
Cook Insurance Agency, Inc.
Coastal St. Andrews Properties, LLC
RCA Air, LLC
Liberty Statutory Trust 1
Liberty Statutory Trust II
Russellville Statutory Trust I
Centennial (AR) Statutory Trust I

Conway, AR
Cabot, AR
Cabot, AR
Jonesboro, AR
Apalachicola, FL
Panama City Beach, FL
Conway, AR
Jonesboro, AR
Jonesboro, AR
Jonesboro, AR
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

One Hundred and First Report

97

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

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

Chm/CEO/Pres: John Ed Chambers, III

CFO: Mike Donnell

Subsidiaries:
Chambers Bank
CBI Holdings, Inc.
Sloan Capital Trust I

Danville, AR
Danville, AR
Danville, AR

Bank of Dardanelle Bankshares, Inc.
Dardanelle, AR
RSSD Number: 1134546
VOICE: (479) 229-3311
FAX: (479) 229-4180

102 North Front Street
P.O. Box 577
72834-0577

Chm/CEO/Pres: Thomas C. Berryhill

Sec: Sharon Wilson

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

Arkansas State Bank Department

98

DBT Financial Corporation
DeWitt, AR
RSSD Number: 1139176
VOICE: (870) 946-3531
FAX: (870) 946-2815

Second and Jefferson Streets
P.O. Drawer 71
72042-0071

Pres: Becca Mehlin

Sec: David Jessup

Subsidiaries:
DeWitt Bank And Trust Company
DBT Realty Company, Inc.
P & M Realty, Inc.
DeWitt Bank and Trust Insurance Company, Inc

DeWitt, AR
DeWitt, AR
DeWitt, AR
DeWitt, AR

DeWitt First Bankshares Corporation
DeWitt, AR
RSSD Number: 1099243
VOICE: (870) 946-3551
FAX: (870) 946-1562

220 West Cross
P.O. Box 511
72042-0511

Pres: Warren A. Jennings, Sr.

Sec: Warren A. Jennings, Jr.

Subsidiaries:
Arkansas County Bank

DeWitt, AR

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

500 Highway 65 South
P.O. Box 187
71639-0187
Treas/Sec: Betty B. Trites

Dumas, AR

One Hundred and First Report

99

First Financial Banc Corporation
El Dorado, AR
RSSD Number: 2568102
VOICE: (870) 863-7000
FAX: (870) 881-5393

214 North Washington Street
P.O. Box 1754
71730-1754

CEO/Pres: Chris Hegi
EVP: Craig Mobley

CFO: Melissa Jerry
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

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

123 South Main Street
P.O. Box 70
72046-0070

Chm/CEO/Pres: Gary Canada
Subsidiaries:
Bank of England
BOE Acquisition Company, Inc.

England, AR
England, 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

Arkansas State Bank Department

100

Bankshares of Fayetteville, Inc.
Fayetteville, AR
RSSD Number: 2516970
VOICE: (479) 444-4444
FAX: (479) 443-1529

One South Block Avenue
P.O. Box 1728
72702

CEO/Pres: Mary Beth Brooks
EVP: Bob King

EVP: Billie Pelton
EVP: Sam Stricklin

Subsidiaries:
The Bank of Fayetteville
Bankshares of Fayetteville Statutory Trust I

Fayetteville, AR
Fayetteville, AR

White River Bancshares Company
Fayetteville, AR
RSSD Number: 3306589
VOICE: (479) 684-3700
FAX: (479) 684-3795

3878 N. Crossover Road, Suite 20
P.O. Box 8550
72703

Bank Holding Company
Community First Bancshares, Inc., Harrison, AR
Chm/CEO/Pres: Gary R. Head
CFO: Russell W. Nugent, Jr.

COO: Marilyn K. Hendricks
CLO: Daniel J. Lewis

Subsidiaries:
Signature Bank of Arkansas

Fayetteville, AR

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

200 West 4th Street
200 West 4th Street
71742-2202
EVP/Sec: Suzette Crutchfield
SVP: David Sisson

Fordyce, AR

One Hundred and First Report

101

First Bank Corp.
Fort Smith, AR
RSSD Number: 1491360
VOICE: (479) 782-2041
FAX: (479) 788-4602

602 Garrison Avenue
P.O. Box 7
72902-0007

Chm: Mont S. Echols, Jr.
CEO/Pres: Sam T. Sicard

VP: James G. Williamson, Jr.

Subsidiaries:
The First National Bank of Fort Smith
Special L P, LLC
Citizens Bank & Trust Company
PMF, Inc.
V B Senior Housing Limited Partnership
Brown-Hiller, Inc.
FBC Acquisition, Inc.
First Asset Holdings, LLC
Realty Appraisals, Inc.
Brown-Hiller-Clark & Associates of Oklahoma, Inc.

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
Sallisaw, OK

Bainum Bancorp
Glenwood, AR
RSSD Number: 1491333
VOICE: (870) 356-2121
FAX: (870) 356-6327

205 Hwy 70 East
P.O. Box 500
71943

Chm/Pres: Timothy E. Bainum
VP: Mac McClanahan

Sec: Lynda Robbins

Subsidiaries:
Diamond Bank

Murfreesboro, AR

Gravett Bancshares, Inc.
Gravette, AR
RSSD Number: 3143953
VOICE: (479) 787-5251
FAX: (479) 787-6102
Chm/VP: Jim A. Edmondson
Pres: Richard T. Pollreis
Subsidiaries:
Bank of Gravett

211 Main Street SE
P.O. Box 149
72736-0149
Sec: Lynn F. Cowick

Gravette, AR

Arkansas State Bank Department

102

First Service Bancshares, Inc.
Greenbrier, AR
RSSD Number: 1137266
VOICE: (501) 679-7200
FAX: (501) 679-5104

136 South Broadview
P.O. Box 190
72058-0430

Chm/CEO/Pres: Thomas H. Grumbles

Treas/Sec: Kenneth Barnard

Subsidiaries:
First Service Bank
First Service Realty

Greenbrier, AR
Greenbrier, AR

Peoples Home Holding, Inc.
Greenbrier, AR
RSSD Number: 3029196
VOICE: (501) 679-7283
FAX: (501) 679-7745
VP: Joe Benton, III
VP: Bill Hannah

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

Subsidiaries:
Home Bank of Arkansas
HomeBank Insurance Agency

Portland, AR
Greenbrier, AR

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

71 West Center Street
P.O. Box 610
72936-0610
CEO/Pres: Edward Wilkinson

Greenwood, AR

One Hundred and First Report

103

Community First Bancshares, Inc.
Harrison, AR
RSSD Number: 2754585
VOICE: (870) 391-8000
FAX: (870) 391-8081

200 East Ridge
P.O. Box 913
72602-0913

Chm/CEO: Jerry Maland
CFO: Ann Main

Sec: Dan R. Bowers

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

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

Pioneer Bancshares, Inc. of Horatio, Arkansas
Horatio, AR
RSSD Number: 1139091
VOICE: (870) 832-2501
FAX: (870) 832-2577
Chm/CEO/Pres: Edith H. Smith
VP: Todd B. Trimble

123 Main Street
P.O. Box 347
71842-0347
Treas/Sec: Carl E. Hendrix, III

Subsidiaries:
Horatio State Bank

Horatio, AR

Smith Associated Banking Corporation
Hot Springs, AR
RSSD Number: 1098004
VOICE: (501) 623-4292
FAX: (501) 624-7187

1801 Central Avenue, Suite D
1801 Central Avenue, Suite D
71901

Chm/CEO: Guy R. “Buck” Smith
Subsidiaries:
Bank of Salem
SABCO Insurance, Inc.
Security Bank
Ouachita Properties, Inc.

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

Arkansas State Bank Department

104

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

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

Chm/CEO/Pres: Larry T. Wilson

SVP/CFO: Kim Crook

Subsidiaries:
First Arkansas Bank & Trust
First Arkansas Statutory Trust I
Lindsey Road Partnership

Jacksonville, AR
Jacksonville, AR
Little Rock, AR

Southeast Arkansas Bank Corporation
Lake Village, AR
RSSD Number: 1137033
VOICE: (870) 265-2241
FAX: (870) 265-2125

201 Main Street
P.O. Box 727
71653-0727

Chm/CEO: Charles H. Weissinger, Jr.
VChm: William W. Bunker

Pres: Terence J. Alpe
COO: Shannon M. Hill

Subsidiaries:
The Bank of Lake Village
BLV Realty, Inc.
The Jefferson Agency
The Jefferson Bank
Jefferson Ag Credit

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

Little River Bancshares, Inc.
Lepanto, AR
RSSD Number: 2463391
VOICE: (870) 475-2306
FAX: (870) 475-3070
Chm: Henry G. Watkins, III
Pres: Scott Arnold, IV
Subsidiaries:
Little River Bank

202 Greenwood Avenue
P.O. Box 340
72354-0340
Sec: Lois Criddle

Lepanto, AR

One Hundred and First Report

105

Allcorp, Inc.
Little Rock, AR
RSSD Number: 4152877
VOICE: (501) 707-1154
FAX: (501) 707-1161

5701 Kavanaugh Blvd.
5701 Kavanaugh Blvd.
72207

Chm/CEO: Lex Golden, III

Pres: Alex Golden

Subsidiaries:
Community State Bank

Bradley, AR

Bank of the Ozarks, Inc.
Little Rock, AR
RSSD Number: 1097089
VOICE: (501) 978-2265
FAX: (501) 978-2205
Chm/CEO: George G. Gleason, II
VChm: Dan Thomas

17901 Chenal Parkway
P.O. Box 8811
72231-8811
CFO: Greg McKinney
COO: Tyler Vance

Subsidiaries:
Bank of the Ozarks
Summit Real Estate Investments, Inc.
ASMSA Investment Fund, LLC
BOTO, LLC
BOTO-AR Properties, LLC
Open Avenues Investment Fund, LLC
The Highlands Group, Inc.
BOTO FL Properties, LLC
BOTO GA Properties, LLC
FCB Properties, LLC
PAB State Credits, LLC
BOTO NC Properties, LLC
Carolina Foothills Properties Group l, LLC
Carolina Foothills Properties Group ll, LLC
Carolina Foothills Properties Group lll, LLC
Carolina Foothills Properties, LLC
BOTO SC Properties, LLC
Omnibank Center Business Condominiums Owners Association, Inc.
Ozark Capital Statutory Trust II
Ozark Capital Statutory Trust III
Ozark Capital Statutory Trust IV
Intervest Statutory Trust IV
Intervest Statutory Trust V
Ozark Capital Statutory Trust V
Intervest Statutory Trust, II
Intervest Statutory Trust, III

Little Rock, AR
Arkadelphia, AR
Little Rock, AR
Little Rock, AR
Little Rock, AR
Little Rock, AR
Little Rock, AR
Bradenton, FL
Cartersville, GA
Valdosta, GA
Valdosta, GA
Charlotte, NC
Charlotte, NC
Charlotte, NC
Charlotte, NC
Charlotte, NC
Columbia, SC
Houston, TX
Hartford, CT
Wilmington, DE
Wilmington, DE
Wilmington, DE
Wilmington, DE
Chicago, IL
Boston, MA
Boston, MA

Arkansas State Bank Department

106

Capital Bancshares, Inc.
Little Rock, AR
RSSD Number: 2777016
VOICE: (501) 228-6000
FAX: (501) 228-6006

12224 Chenal Parkway
P.O. Box 8210
72211

Chm: Warren Stephenson
CEO/Pres: Kyle E. Patton

EVP/CFO: Jeanette Nation

Subsidiaries:
The Capital Bank

Little Rock, AR

Little Rock Bankshares, Inc.
Little Rock, AR
RSSD Number: 2617082
VOICE: (501) 376-0800
FAX: (501) 374-7937

200 North State Street
P.O. Box 34090
72203

Chm/CEO: Eugene L. Maris
SVP/Cash: Lee A. Swearingen

SVP: Kim Markland
Sec: Stephen Plunkett

Subsidiaries:
Bank of Little Rock
Bank of Little Rock Mortgage Corp.
Hallmark National Mortgage Corp.
Little Rock Mortgage Corp.

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

Riverside Bancshares, Inc.
Little Rock, AR
RSSD Number: 2155342
VOICE: (501) 614-6161
FAX: (501) 614-6162
Pres: Stephen C. Davis
Subsidiaries:
Riverside Bank
Arkansas Mortgage Company, Inc.
Riverside Mortgage Company, Inc.

1001 W. Markham St., 2nd Floor
1001 W. Markham St., 2nd Floor
72201
Sec: David Matchet

Sparkman, AR
Fayetteville, AR
Little Rock, AR

One Hundred and First Report

107

Rock Bancshares, Inc.
Little Rock, AR
RSSD Number: 3770313
VOICE: (501) 664-8722
FAX: (501) 663-8753

One Information Way, Suite 400
One Information Way, Suite 400
72202

Chm/CEO/Pres: L. Walter Quinn
Atty: Joseph W. Gregory

Sec: Sally Brewer

Subsidiaries:
Heartland Bank
Heartland Insurance, LLC
Montesano Investment, LLC
Rock Service Company, LLC
Zwolle Investment, LLC
HCB Investments, Inc.
NSMG RBI, LLC
Rock Bancshares Statutory Trust I
Rock Bancshares Statutory Trust II
Rock Capital Income Fund LLC

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

State Holding Company
Little Rock, AR
RSSD Number: 1100046
VOICE: (501) 223-3450
FAX: (501) 223-8008
Chm/CEO/Pres: Catherine H. Owen
VChm: Harry L. Hastings, Jr.
Subsidiaries:
Eagle Bank & Trust Company
Eagle Development Company South
State Mortgage Company

650 South Shackleford Rd., Suite 450
650 South Shackleford Rd., Suite 450
72211
EVP: Paul Castleberry
SVP: Laura Bogoslavsky

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

Arkansas State Bank Department

108

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: David R. Estes

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) 235-7039
Chm/CEO/Pres: Bob L. Burns
EVP: Steve Keith
Subsidiaries:
Farmers Bank and Trust Company
Magnolia Properties, Inc.
Magnolia Statutory Trust I
Magnolia Statutory Trust II
First National Hempstead Statutory Trust I

200 East Main Street
P.O. Box 250
71754-0250
EVP: Bruce D. Maloch
Sec: T. H. Bradley

Magnolia, AR
Magnolia, AR
Magnolia, AR
Magnolia, AR
Hartford, CT

One Hundred and First Report

109

FCB Financial Services, Inc.
Marion, AR
RSSD Number: 3123339
VOICE: (870) 739-7300
FAX: (870) 739-7379

205 Block Street
P.O. Box 747
72364-0747

Pres: M. Don Underwood
EVP/CFO: Brenda Eldridge

Sec: Frank A. Fogleman

Subsidiaries:
First Community Bank of Eastern Arkansas
Community First Insurance

Marion, AR
Marion, AR

Tyronza Bancshares, Inc.
Marked Tree, AR
RSSD Number: 1139783
VOICE: (870) 358-6000
FAX: (870) 358-6001

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

Chm: Charles Luter

Pres: Chris M. Lehman

Subsidiaries:
First Delta Bank

Marked Tree, AR

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

105 South Edmonds Avenue
P.O. Box 388
72101-0388
VP/CFO: Brooke T. Cavitt

McCrory, AR

Arkansas State Bank Department

110

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
71654-0787

Chm: William W. Bowman
CEO/Pres: James M. Smith

VChm: John H. Potter, Jr.

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

VChm: John H. Potter, Jr.

Subsidiaries:
McGehee Bank
McBank Realty

McGehee, AR
McGehee, AR

Union Bankshares, Inc.
Mena, AR
RSSD Number: 1099805
VOICE: (479) 394-2211
FAX: (479) 394-3809
Chm: Edward W. Stevenson
CEO/Pres: Philip B. Hensley
Subsidiaries:
The Union Bank of Mena
Union Bankshares Statutory Trust I
The First National Bank at Paris

303 Hwy. 71 North
P.O. Box 898
71953-0898
EVP/CFO: Michael D. Myers
Sec: David Maddox

Mena, AR
Mena, AR
Paris, AR

One Hundred and First Report

111

Drew Bancshares, Inc.
Monticello, AR
RSSD Number: 1098198
VOICE: (870) 367-2025
FAX: (870) 367-1151

212 West Gaines
P.O. Box 150
71657-0150

Chm: Bennie F. Ryburn, Jr.
VChm: Bennie Ryburn, III

Pres: George T. Harris
SVP/Sec: Rusty Smith

Subsidiaries:
Commercial Bank & Trust Company

Monticello, AR

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

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

Chm/CEO: Zach McClendon, Jr.
Pres: Dave Dickson

Sec: John S. McClendon

Subsidiaries:
Union Bank And Trust Company
First Union Statutory Trust 1

Monticello, AR
Monticello, AR

Petit Jean Bancshares, Inc.
Morrilton, AR
RSSD Number: 2877402
VOICE: (501) 354-4988
FAX: (501) 354-6560

707 North Saint Joseph Street
P.O. Box 680
72110

Pres: Charles S. Penick
Subsidiaries:
Petit Jean State Bank

Morrilton, AR

Arkansas State Bank Department

112

Acme Holding Co., Inc. Employee Stock Ownership Plan (ESOP)
Mulberry, AR
RSSD Number: 2576424
VOICE: (479) 997-1154
FAX: (479) 997-1161

311 Main Street
P.O. Drawer A
72947-0480

CEO: Lex Golden
Subsidiaries:
Acme Holding Company, Inc.
Allied Bank
The Mortgage Bank of Arkansas, Inc.
Acme Statutory Trust I

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

Acme Holding Company, Inc.
Mulberry, AR
RSSD Number: 1140556
VOICE: (479) 997-1154
FAX: (479) 997-1161

311 Main Street
P.O. Drawer A
72947-0480

Bank Holding Company
Acme Holding Co., Inc. Employee Stock Ownership Plan (ESOP), Mulberry, AR
CEO: Lex Golden

Pres/Sec: Alex Golden

Subsidiaries:
Allied Bank
The Mortgage Bank of Arkansas, Inc.
Acme Statutory Trust I

Mulberry, AR
Little Rock, AR
Mulberry, 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.
Subsidiaries:
Merchants & Planters Bank

Treas: Pat Davis
Sec: Leslie Lowery

Newport, AR

One Hundred and First Report

113

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
72112-0650

Chm/CEO: Jim S. Gowen, Sr.
Pres/COO: Jim S. Gowen, Jr.

Treas: Pat Davis
Sec: Leslie Lowery

Subsidiaries:
M & P Community Bancshares, Inc.
Merchants & Planters Bank
M & P Community Statutory Trust II
M & P Insurance & Investment Services, Inc.

Newport, AR
Newport, AR
Newport, AR
Newport, AR

Piggott Bankstock, Inc.
Piggott, AR
RSSD Number: 1098321
VOICE: (870) 598-3802
FAX: (870) 598-2026

212 West Cherry Street
P.O. Box 307
72454-0307

Chm: Steve Bell
Subsidiaries:
Piggott State Bank

Piggott, AR

Parkway Bankshares, Inc.
Portland, AR
RSSD Number: 1141188
VOICE: (870) 367-1935
FAX: (870) 367-1859
Chm: Joel Newcome
Pres: Robert Y. Taylor
Subsidiaries:
Parkway Bank

217 North Main Street
555 West Gaines
71663
VP/Treas/Sec: Leslie Borgognoni

Rogers, AR

114

Arkansas State Bank Department

Prescott Bancshares, Inc.
Prescott, AR
RSSD Number: 2236586
VOICE: (870) 887-2688
FAX: (870) 887-6822

East 2nd at Main
P.O. Drawer 490
71857-0490

Pres: John Warren Brannan, Jr.
EVP: Gary McCauley

Treas/Sec: Karen McLelland

Subsidiaries:
Bank of Prescott

Prescott, AR

Sigma Holdings, Inc.
Rison, AR
RSSD Number: 4512378
VOICE: (870) 325-6251
FAX: (870) 325-7661

112 Main Street
P.O. Box 345
71665-0345

CEO: Troy Duke
Subsidiaries:
Gateway Bank

Rison, AR

Pinnacle Bancshares, Inc.
Rogers, AR
RSSD Number: 3451416
VOICE: (479) 619-2000
FAX: (479) 619-2701

4201 West New Hope Road, Suite 101
4201 West New Hope Road, Suite 101
72758

Chm/CEO: Wade Ruckle
Subsidiaries:
Pinnacle Bank

Rogers, AR

One Hundred and First 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 II
FSB Capital Trust III

Russellville, AR
Russellville, AR
Russellville, AR
Russellville, AR

First Security Bancorp
Searcy, AR
RSSD Number: 1096505
VOICE: (501) 279-3401
FAX: (501) 279-3486
Chm/CEO: Reynie Rutledge

314 North Spring Street
P.O. Box 1009
72145-1009
Pres: Bill Scholl

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.
Torrent Fire Co. #4, LLC
Union Air, LLC
Cheyenne Aircraft, LLC
Crews Dissemination Services, 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
Searcy, AR
Wilmington, DE
Leawood, KS

116

Arkansas State Bank Department

Peoples Bancorp, Inc.
Sheridan, AR
RSSD Number: 4639435
VOICE: (870) 942-5707
FAX: (870) 942-2489

1120 South Rock Street
P.O. Box 460
72150

Chm: Al Upton
Pres: John D. Manatt

EVP: 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

708 North Broadway Street
P.O. Box 107
71762-0107

CEO/Pres: Bob Willett
SVP: J. Drew Tennyson

SVP: James B. Yeager

Subsidiaries:
Smackover State Bank

Smackover, AR

Mathias Bancshares, Inc.
Springdale, AR
RSSD Number: 1951172
VOICE: (479) 750-9100
FAX: (479) 750-0953
Chm: Sam Mathias
VChm: Arthur Thurman
Subsidiaries:
Today's Bank
FSB Properties, LLC
Property Management 40830, LLC

5571 Bleaux Avenue
P.O. Box 6485
72766
Sec: Larry Olson

Huntsville, AR
Fayetteville, AR
Fayetteville, AR

One Hundred and First Report

117

United Holding Company, Inc.
Springdale, AR
RSSD Number: 3832181
VOICE: (479) 872-3802
FAX: (888) 420-1829

2790 South Thompson Street
2790 South Thompson Street
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

307 Thomas Street
P.O. Box 8
71860-0008

Chm: J. Paul Nipper

Sec: Scott Hultberg

Subsidiaries:
Bodcaw Bank

Stamps, AR

Star City Bancshares, Inc.
Star City, AR
RSSD Number: 1131723
VOICE: (870) 628-4286
FAX: (870) 628-5274

116 North Lincoln Avenue
P.O. Drawer 69
71667-0069

Chm/CEO/Pres: Bennie F. Ryburn, Jr.
Subsidiaries:
Bank of Star City

Star City, AR

Arkansas State Bank Department

118

The Farmers and Merchants Bankshares, Inc.
Stuttgart, AR
RSSD Number: 1099672
VOICE: (870) 673-6911
FAX: (870) 672-4282

708 South Main Street
P.O. Box 1010
72160-1016

Chm: Roy O. McCollum, III

CEO/Pres: Gary Hudson

Subsidiaries:
The Farmers and Merchants Bank

Stuttgart, AR

Bradley Bancshares, Inc.
Warren, AR
RSSD Number: 1097463
VOICE: (870) 226-2601
FAX: (870) 226-2253

104 South Main Street
P.O. Box 29
71671-0029

Chm/CEO: Bennie F. Ryburn, Jr.
VChm: Bennie Ryburn, III

Pres: Freddie M. Mobley

Subsidiaries:
First State Bank of Warren

Warren, AR

Evolve Bancorp, Inc.
West Memphis, AR
RSSD Number: 1142411
VOICE: (901) 624-5500
FAX: (901) 624-5540
Chm: Scot Lenoir
Subsidiaries:
Evolve Bank & Trust

301 Shoppingway Boulevard
c/o Secretary
72301
Sec: Scott Stafford

West Memphis, AR

One Hundred and First Report

119

Cross County Bancshares, Inc.
Wynne, AR
RSSD Number: 1131611
VOICE: (870) 238-8171
FAX: (870) 238-4052
Chm: Dr. Willard G. Burks
CEO/Pres: David Dowd

1 Cross County Plaza
P.O. Box 9
72396-0009
Treas/Sec: Shelia Stotts

Subsidiaries:
Cross County Bank
CCB-EAT, LLC
CCB Real Estate Holdings, Inc.
Janus Title, LLC

Wynne, AR
Wynne, AR
Wynne, AR
Wynne, AR

First National Corporation of Wynne
Wynne, AR
RSSD Number: 1132159
VOICE: (870) 238-2361
FAX: (870) 238-8148
CEO/Pres: Sean H. Williams
VP: Paul Hall
Subsidiaries:
Twin Lakes Community Bank
The First National Bank of Wynne

528 Merriman Avenue
P.O. Box 129
72396
Treas: Dianne Henderson
Sec: Lisa G. Jackson

Flippin, AR
Wynne, AR

ABBREVIATIONS
Chm:
Chm Emer:
CEO:
VChm:
Pres:
Reg Pres:
EVP:
SVP:
CAO:
CBO:
CCO:
CFO:
CLO:
COO:
AdmVP:
EO:
VP:
SLO:
Cash:
Cont:
AVP:
RMO:
Aud:
TO:
ATO:
Treas:
Sec:
Atty:

Chairman of the Board
Chairman Emeritus
Chief Executive Officer
Vice Chairman
President
Regional President
Executive Vice President
Senior Vice President
Chief Administrative Officer
Chief Banking Officer
Chief Credit Officer
Chief Financial Officer
Chief Lending Officer
Chief Operating Officer
Administrative Vice President
Executive Officer
Vice President
Senior Loan Officer
Cashier
Controller
Assistant Vice President
Risk Management Officer
Auditor
Trust Officer
Assistant Trust Officer
Treasurer
Secretary
Attorney

One Hundred and First Report

NOTES

121

122

Arkansas State Bank Department

NOTES

One Hundred and First Report

123