The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.
REPORT OF THE BANK COMMISSIONER OF THE STATE OF ARKANSAS 2018 ASA HUTCHINSON Governor CANDACE A. FRANKS Bank Commissioner ONE HUNDRED AND FOURTH ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2018 STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2018 Honorable Asa Hutchinson Governor of Arkansas Little Rock, Arkansas Governor Hutchinson: I am pleased to submit to you the One Hundred and Fourth Annual Report of the Bank Commissioner of Arkansas, pursuant to the provisions of Act 89 of 1997. The Report contains financial and statistical data compiled from Reports of Condition and Income and other regulatory reports submitted to this office for the fiscal year ending June 30, 2018. The financial services industry continues to undergo change. Arkansas state chartered banks and the trust company continue to successfully meet the challenges of change and offer excellent financial services to the public. The State Bank Department maintains a Strategic Plan, which the Department’s employees develop on an annual basis. The mission of the State Bank Department is to allocate available human and other resources existing in our Examination, Information Technology and Administrative Services Divisions to ensure the continuance of safe and sound financial practices in state chartered financial institutions. We thank you for the support you and your staff provide and assure you of our continuing efforts to maintain the highest level of professionalism in the performance of our responsibilities. Cordially, Candace A. Franks Bank Commissioner One Hundred and Fourth Report TABLE OF CONTENTS Legal Holidays ............................................................................................................................................ 2 Commissioners of The Bank Department .................................................................................................. 3 State Banking Board .................................................................................................................................. 4 Departmental Roster .................................................................................................................................. 5 Charter Conversions/Mergers of State Chartered Banks/ State Chartered Banks Voluntary Liquidation/Purchased and Assumed ................................................... 9 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 .......................................................................................................................... 23 Consolidated Statement of Condition State Chartered Trust Departments ...................................................................................................... 24 Consolidated Report of Condition Data National Banks ...................................................................................................................................... 25 Tier One Leverage Ratios For All Arkansas Commercial Banks ................................................................................................................ 26 National Banks Headquartered in Arkansas ............................................................................................ 29 Report of State Chartered Commercial Banks ......................................................................................... 31 Report of State Chartered Non-Profit Organization .................................................................................. 75 Report of State Chartered Trust Company............................................................................................... 77 Report of Regional/County Industrial Development Corporation ............................................................. 79 All Commercial Banks Listed by County .................................................................................................. 81 Map of Arkansas Counties ....................................................................................................................... 86 Arkansas Bank Holding Companies ......................................................................................................... 87 Abbreviations ..........................................................................................................................................116 2 Arkansas State Bank Department LEGAL HOLIDAYS New Year’s Day...............................................................................................January 1 st Dr. Martin Luther King Jr.’s Birthday........................................ Third Monday in January George Washington’s Birthday and Daisy Gadson Bates Day ............................................... Third Monday in February Memorial Day ................................................................................. Last Monday in May th Independence Day ............................................................................................... July 4 Labor Day ............................................................................. First Monday in September th Veterans Day............................................................................................ November 11 Thanksgiving Day............................................................ Fourth Thursday in November th Christmas Eve ......................................................................................... December 24 th Christmas Day ......................................................................................... December 25 All Bills of Exchange, Drafts, or Promissory Notes, which shall become payable on a legal holiday shall be payable on the day next succeeding such holiday. In case any legal holiday falls on Sunday, the next succeeding Monday shall be a holiday in its stead. One Hundred and Fourth Report 3 COMMISSIONERS OF THE ARKANSAS STATE BANK DEPARTMENT Date of Appointment Date Service Ended No. Name 1. John M. Davis .............................. October 6, 1913 October 3, 1918 2. A. J. Reap .................................... October 3, 1918 March 22, 1919 3. W. T. Maxwell ............................... March 22, 1919 September 1, 1921 4. Charles McKee ....................... September 1, 1921 July 28, 1925 5. Loid Rainwater.................................. July 28, 1925 February 8, 1927 6. Walter E. Taylor ..........................February 8, 1927 January 10, 1933 7. Marion Wasson ......................... January 10, 1933 January 12, 1937 8. Grover S. Jernigan .................... January 12, 1937 January 14, 1941 9. Thomas W. Leggett ................... January 14, 1941 February 1, 1949 10. S. J. Dean ...................................February 1, 1949 December 31, 1949 11. Ed. I. McKinley, Jr. ................ December 31, 1949 March 14, 1953 12. A. R. Merritt................................... March 14, 1953 February 8, 1955 13. Dick Simpson..............................February 8, 1955 March 2, 1967 14. H. C. Adams ................................... March 3, 1967 March 16, 1979 15. Don R. Clark (Acting) ................... March 16, 1979 April 19, 1979 16. B. J. Lambert, Jr. ............................. April 19, 1979 April 15, 1983 17. Marlin D. Jackson ............................ April 15, 1983 October 1, 1987 18. Bill J. Ford .................................... October 1, 1987 July 31, 1998 19. Frank White ................................... August 1, 1998 May 21, 2003 20. Bunny Adcock ................................ June 23, 2003 June 11, 2007 21. Candace A. Franks ........................ June 13, 2007 …………….... 4 Arkansas State Bank Department STATE BANKING BOARD MEMBERS Mr. Zach McClendon Chairman Union Bank And Trust Company P. O. Box 270 Monticello, AR 71657-0270 VOICE: (870) 460-6400 FAX: (870) 460-6431 TERM EXPIRES: 12/31/2019 Mr. Randy Scott Vice Chairman Farmers Bank And Trust Company P. O. Box 688 Blytheville, AR 72316-0688 VOICE: (870) 763-8101 FAX: (870) 763-3500 TERM EXPIRES: 12/31/2020 Mr. Gary Hudson The Farmers and Merchants Bank P. O. Box 1010 Stuttgart, AR 72160 VOICE: (870) 673-6911 FAX: (870) 673-4282 TERM EXPIRES: 12/31/2018 Mr. David Leech 1911 Fairway Street Stuttgart, AR 72160 VOICE: (870) 830-4502 TERM EXPIRES: 12/31/2021 Ms. Lana Hampton 2341 Surrey Lane Springdale, AR 72762 VOICE: (479) 750-8849 TERM EXPIRES: 12/31/2018 Mr. Ron Mobley P. O. Box 150 Morrilton, AR 72110 VOICE: (501) 354-2510 TERM EXPIRES: 12/31/2018 One Hundred and Fourth Report Arkansas State Bank Department 400 Hardin Road, Suite 100 Little Rock, Arkansas 72211-3502 VOICE: (501) 324-9019 FAX: (501) 324-9028 http://banking.arkansas.gov/ DEPARTMENTAL ROSTER Candace A. Franks - Bank Commissioner Susannah T. Marshall - Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination Application Information John W. Ahlen IV - Deputy Bank Commissioner/Chief Counsel Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination Rules and Regulations/Legal Filings and Inquiries EXAMINATION AND SUPERVISION Assistant Deputy Bank Commissioners H. Wilks Marshall, Jr. 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 Jim E. Homan - Certified Bank Senior Examiner Jordan A. Patterson - Certified Bank Senior Examiner Scott M. Lambert - Commissioned Bank Senior Examiner Andrew D. McCormick - Bank Senior Examiner J. D. Sonnier - Bank Junior Examiner Ricky T. Puloma - Bank Examiner Trainee J. B. Maus - Bank Examiner Trainee 5 6 Arkansas State Bank Department LITTLE ROCK OFFICE Dharmin H. Patel - Certified Examinations Manager Luke B. Webre - Certified Bank Senior Examiner Jerry C. Corrothers - Certified Bank Senior Examiner Kelly M. Shewmaker - Certified Bank Senior Examiner Thomas L. Cook - Certified Bank Senior Examiner Raychel M. Pendergist - Certified Bank Senior Examiner Daniel E. Sims - Bank Senior Examiner Joel T. Futrell - Bank Assistant Examiner Derek G. Harvey - Bank Examiner Trainee 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 - Certified Bank Senior Examiner Johnathon W. Welch - Commissioned Bank Senior Examiner Adam W. Chase - Bank Junior Examiner Wesley H. Mathis - Bank Junior Examiner Wynne M. Morgan - Bank Junior Examiner Daniel B. Park - Bank Assistant Examiner NORTHEAST ARKANSAS OFFICE 924 South Main Street Jonesboro, Arkansas 72401 VOICE: (870) 972-1744 FAX: (870) 972-1762 Jonesboro@banking.state.ar.us John K. Householder - Certified Examinations Manager William R. Milum - Bank Senior Examiner R. D. Jackson - Certified Bank Senior Examiner Shaun G. Perkins - Certified Bank Senior Examiner Chris A. Dillon - Certified Bank Senior Examiner W. Kent Darr - Certified Bank Senior Examiner T. J. Anderson - Certified Bank Senior Examiner W. Nathan Elliott - Certified Bank Senior Examiner Scott J. Smith - Certified Bank Senior Examiner Seth D. Parsley - Bank Junior Examiner LARGE BANK SUPERVISION Bob M. Henry - Certified Examinations Manager Mark G. Rye - Certified Bank Senior Examiner One Hundred and Fourth Report TRUST Stacey D. Leder - Certified Examinations Manager Kelly R. Davis - Bank Junior Examiner M. Lance Black - Bank Examiner Trainee INFORMATION SYSTEMS Jeffrey A. Cameron - Certified Examinations Manager Donna J. Dodge - Bank Senior Examiner Darren G. Barry - Bank Senior Examiner Ashish V. Patel - Bank Junior Examiner Elliott R. Hartle - 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-Examinations Bank Reports of Condition and Income Bank Holding Company Reports Research and Financial Analysis Public Information Requests Application Analysis Consumer Complaints Jacklyn G. Powell - Certified Bank Senior Examiner/Scheduling Coordinator INFORMATION TECHNOLOGY Robert L. Hughes - IT Administrator Mitch L. Vire - Systems Specialist Greg F. Langley - Systems Specialist Research and Development Application Programming Data Processing Support 7 8 Arkansas State Bank Department ADMINISTRATION DIVISION Gail Green - Agency Fiscal Officer Michael L. Green - Bank Examinations Manager Vicki A. Wise - Payroll Services Coordinator Devan E. May - Procurement Coordinator Accounting and Employee Services Budget/Personnel/Payroll Performance Compensation Expense Disbursements Purchasing Cynthia L. Nixon - Executive Assistant to the Commissioner Barbara A. Mahoney - Research Analyst Antwanette Pettigrew-House - Research Analyst Sharon K. Hacker - Administrative Analyst Lisa F. Smith - Administrative Analyst B. Chance Brown - Administrative Analyst Administrative Support Examination Support and Processing Rules and Regulations Manual Distribution Inquiries Charter Amendments and Charter Information Certificates of Good Standing Data Entry One Hundred and Fourth Report CHARTER CONVERSIONS FROM JULY 1, 2017 TO JUNE 30, 2018 NAME / CHARTER / LOCATION NAME / CHARTER / LOCATION Armor Bank, N.A. Nationally Chartered Bank 715 North Washington Street Forrest City, Arkansas Armor Bank State Chartered Bank 715 North Washington Street Forrest City, Arkansas The above institution’s charter conversion and name change were both effective June 28, 2018. MERGERS OF STATE CHARTERED BANKS FROM JULY 1, 2017 TO JUNE 30, 2018 NAME / LOCATION NAME / LOCATION Bank of McCrory McCrory, Arkansas The First National Bank of Wynne Wynne, Arkansas Bear State Bank Little Rock, Arkansas Arvest Bank Fayetteville, Arkansas STATE CHARTERED BANKS VOLUNTARY LIQUIDATION/PURCHASED AND ASSUMED FROM JULY 1, 2017 TO JUNE 30, 2018 NAME / LOCATION NAME / LOCATION Heartland Bank Little Rock, Arkansas Relyance Bank, N.A. Pine Bluff, Arkansas 9 Arkansas State Bank Department 10 BRANCHES APPROVED FROM JULY 1, 2017 TO JUNE 30, 2018 BANK LOCATION The Citizens Bank Batesville, Arkansas 3971 W. Wedington Drive Fayetteville, Arkansas The Citizens Bank Batesville, Arkansas 1698 Higdon Ferry Road Hot Springs, Arkansas The Citizens Bank Batesville, Arkansas 17300 Chenal Parkway, Suite 320 Little Rock, Arkansas First Community Bank Batesville, Arkansas 301 E. Main Street Batesville, Arkansas First Community Bank Batesville, Arkansas 4900 Kavanaugh Boulevard Little Rock, Arkansas Bank of Cave City Cave City, Arkansas 1141 E. Main Street, Suite 100 Batesville, Arkansas Centennial Bank Conway, Arkansas 13901 Narcoosee Road Orlando, Florida Arvest Bank Fayetteville, Arkansas 2313 South Rouse Street Pittsburg, Kansas Arvest Bank Fayetteville, Arkansas 827 SE 31 Street Oklahoma City, Oklahoma Arvest Bank Fayetteville, Arkansas E. 106 St. N. and N. 138 E. Ave. Owasso, Oklahoma First Arkansas Bank & Trust Jacksonville, Arkansas 804 Hogan Lane Conway, Arkansas Bank of the Ozarks Little Rock, Arkansas 2821 Fort Worth Avenue Dallas, Texas Bank of the Ozarks Little Rock, Arkansas Sycamore School Rd. / Crowley Rd. Fort Worth, Texas First Security Bank Searcy, Arkansas 108 S. Main Street Bentonville, Arkansas st th th One Hundred and Fourth Report 11 BANK LOCATION First Security Bank Searcy, Arkansas 1729 Malvern Avenue Hot Springs, Arkansas First Security Bank Searcy, Arkansas Brockington Rd. and Indian Bay Dr. Sherwood, Arkansas 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 DeWitt Bank and Trust Company DeWitt First Financial Bank El Dorado Cornerstone Bank Eureka Springs FBT Bank & Mortgage Fordyce Bank of Gravett Gravette Anstaff Bank Green Forest Today's Bank Huntsville First Arkansas Bank & Trust Jacksonville The Peoples Bank Magnolia McGehee Bank McGehee The Union Bank of Mena Mena Commercial Bank & Trust Company Monticello Union Bank And Trust Company Monticello Diamond Bank Murfreesboro Piggott State Bank Piggott Gateway Bank Rison Riverside Bank Sparkman One Hundred and Fourth Report BANK CITY United Bank Springdale Bank of Star City Star City First State Bank of Warren Warren 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, 2017, through June 30, 2018. RECEIPTS Cash Balance July 1, 2017……………………………………. $ 9,979,196.69 Examination and Assessment Fees.................. 11,789,658.08 Charter and Amendment Fees................................. 61,183.00 Interstate Sharing Fees ............................................ 31,214.00 Miscellaneous/Non-Revenue Income ........................ 5,653.83 Reimbursement for M & R Sales ............................... 7,157.52 Refund to Expenditures − Prior Year ......................... 4,203.58 Refund to Expenditures − Current Year ........................ 120.37 Total Receipts 11,899,190.38 $ 21,878,387.07 DISBURSEMENTS Salaries ................................................................... 5,302,755.45 Extra Help Salaries ............................................................... 0.00 Social Security, Retirement and Insurance Matching .............................................................. 1,544,452.87 Maintenance and General Operations .................... 1,050,522.14 Conference Fees and Travel ..................................... 244,427.91 Professional Fees and Services .................................. 24,610.32 Capital Outlay .............................................................. 27,616.47 Refunds Issued ..................................................................... 0.00 Service Charge by State Treasurer ........................... 184,170.57 Total Disbursements 8,378,555.73 Cash Balance June 30, 2018 13,499,831.34 $21,878,387.07 One Hundred and Fourth 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 Cindy Scott .................................. Assistant Regional Director/Risk Management Nathan Heizer ............................. Assistant Regional Director/Risk Management Mark Taylor.................................. Assistant Regional Director/Risk Management Mark Love .................................... Assistant Regional Director/Risk Management Joe Meade ................................... Assistant Regional Director/Risk Management Anthony Clark .............................. Assistant Regional Director/Risk Management Art Kahn ................................................. Assistant Regional Director/Compliance Stephen Zachary ....................................................................... Regional Counsel Memphis Area Office 6060 Primacy Parkway, Suite 300 Memphis, Tennessee 38119-5770 VOICE: (901) 685-1603 FAX: (901) 821-5308 Chris Finnegan ...................................... Assistant Regional Director/Compliance Little Rock Field Office Financial Centre III Building 900 South Shackleford Road, Suite 500 Little Rock, Arkansas 72211 VOICE: (501) 228-6346 FAX: (501) 228-6568 Kristy Frame .................................................. Field Supervisor/Risk Management David Wright ............................................................ Field Supervisor/Compliance Memphis Field Office 6060 Primacy Parkway, Suite 300 Memphis, Tennessee 38119-5770 VOICE: (901) 685-1603 FAX: (901) 821-5308 Kristy Frame .................................................. Field Supervisor/Risk Management Rafael Valle ............................................................. Field Supervisor/Compliance Shreveport Field Office Southpointe Center 3007 Knight Street, Suite 300 Shreveport, Louisiana 71105-2525 VOICE: (318) 868-6661 FAX: (318) 868-7870 Victor Ingram ................................................. Field Supervisor/Risk Management Jenipher Smith ........................................................ 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 .................................................................. Executive Vice President Administration & Payments Kathleen O. Paese .............................................................. Executive Vice President Treasury Relations & Support Office Julie L. Stackhouse ............................................................. Executive Vice President Banking Supervision, Credit and Center for Learning Innovation Christopher J. Waller...........................................................Executive Vice President Director of Research Karen Branding ........................................................................ Senior Vice President Public and Community Affairs Cletus C. Coughlin .................................................................. Senior Vice President & Deputy Director of Research Roy Hendin ............................................................................... Senior Vice President General Counsel & Corporate Secretary Timothy A. Bosch ......................................................................Group Vice President Banking Supervision Anna Hart ..................................................................................Group Vice President Human Resources Michael J. Mueller .................................................................... Group Vice President Support Services Timothy Brown .....................................................................................Vice President Cash Management/Administration Marilyn K. Corona ................................................................................ Vice President Financial Management Carl White .............................................................................................Vice President Risk Management, Statistics, Credit & Payment Applications Michael D. Renfro .............................................................................. General Auditor Audit One Hundred and Fourth Report FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 (Continued) Little Rock Branch 111 Center Street th Suite 1000 (10 Floor) Little Rock, Arkansas 72201 VOICE: (501) 324-8300 FAX: (501) 324-8201 Robert A. Hopkins .................................................................Senior Branch Executive Memphis Branch 200 North Main Street P. O. Box 407 Memphis, Tennessee 38101-0407 VOICE: (901) 523-7171 FAX: (901) 579-2406 Douglas Scarboro .................................................................Senior Branch Executive Louisville Branch 101 South 5th Street, Suite 1920 Louisville, Kentucky 40202 VOICE: (502) 568-9200 FAX: (502) 568-9247 Nikki R. Jackson ....................................................................Senior Branch Executive 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.treas.gov Troy L. Thornton ........................................................................ Deputy Comptroller Kent Stone ................................................................ Associate Deputy Comptroller Carter Messick ........................................................ Associate Deputy Comptroller Oscar Harvey ..................................................................Risk & Operations Officer Randall M. Ryskamp ........................................................................District Counsel Karen Bryant............................................................................... Licensing Manager Little Rock Field Office 1401 West Capitol Avenue, Suite 350 Little Rock, Arkansas 72201-2915 VOICE: (501) 707-6400 FAX: (501) 225-2711 Rosalyn Anthony ....................................................... Assistant Deputy Comptroller Central and Western Oklahoma Field Office The Harvey Parkway Building rd 301 NW 63 Street, Suite 490 Oklahoma City, Oklahoma 73116-7909 VOICE: (405) 529-5701 FAX: (405) 848-8085 Brian Wall .................................................................. Assistant Deputy Comptroller Eastern Oklahoma Field Office 8282 South Memorial Drive, Suite 300 Tulsa, Oklahoma 74133-4346 VOICE: (918) 505-4500 FAX: (918) 459-0446 Scott Williams ............................................................ Assistant Deputy Comptroller One Hundred and Fourth Report CONSUMER FINANCIAL PROTECTION BUREAU 1700 G Street Washington, D.C. 20552 VOICE: (202) 435-7000 Fax: (202) 435-7329 http://www.consumerfinance.gov Mick Mulvaney.....................................................................................Director (Acting) Brian Johnson ...............................Deputy Director (Acting), Principal Policy Director Kirsten Sutton ........................................................................................... Chief of Staff John Czwartacki ........................... Chief Communications Officer and Spokesperson Althea Kireilis .................................................. Office of Equal Opportunity & Fairness Associate Director M. Stacey Bach ............................................................................ Office of Civil Rights Assistant Director Kate Fulton .................................................................Chief Operating Officer (Acting) Gail Hillebrand ................................................... Consumer Education & Engagement Associate Director Christopher D’Angelo .................................Supervision, Enforcement & Fair Lending Associate Director David Silberman ..................................................... Research, Markets & Regulations Associate Director Zixta Martinez ....................................................................................... External Affairs Associate Director Meredith McLeod ................................................................................................. Legal General Counsel 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 Cathy Owen ............................................................................................... Chairman Chairman of the Board Eagle Bank & Trust Company, Little Rock Rob Robinson IV .............................................................................. Chairman-Elect Community President – El Dorado Simmons Bank, Pine Bluff Jon Harrell ......................................................................................... Vice-Chairman Chairman of the Board Generations Bank, Hampton Jim Cargill .................................................................................................. Treasurer President & CEO – Central Arkansas Arvest Bank, Fayetteville Dave Dickson .................................................................................... Past Chairman President & CEO Union Bank And Trust Company, Monticello EMERGING LEADERS SECTION John Anderson ........................................................................................... President Vice President, Commercial Lending The Malvern National Bank, Malvern George Purvis ....................................................................................Vice President Assistant Vice President, Lending Cornerstone Bank, Eureka Springs Evelyn Morris ............................................................................ Secretary/Treasurer Vice President, Loan Operations First Financial Bank, El Dorado One Hundred and Fourth Report ARKANSAS COMMUNITY BANKERS ASSOCIATION 3801 Woodland Heights Road, Suite 125-G Little Rock, Arkansas 72212-2456 VOICE: (501) 246-4975 FAX: (501) 821-0377 E−Mail: info@arcommunitybankers.com http://www.arcommunitybankers.com Chris Padgett .................................................................................. Executive Director Jim Gowen, Jr. ............................................................................................ President President & CEO Merchants & Planters Bank, Newport Gary Oltmann ...................................................................................... Vice President Regional President - Stuttgart Arkansas County Bank, DeWitt Gary Head ................................................................................................... Treasurer Chairman, President & CEO Signature Bank, Fayetteville Lee Swearingen .......................................................................................... Secretary SVP & Cashier Bank of Little Rock, Little Rock Milton Smith .......................................................................................... Past President Chairman, President & CEO The First National Bank of Lawrence County, Walnut Ridge Bennie Ryburn III.................................................................................. Past President Chairman & CEO Commercial Bank & Trust Company, Monticello 21 22 Arkansas State Bank Department CONFERENCE OF STATE BANK SUPERVISORS th th 1129 20 Street, NW, 9 Floor Washington, DC 20036 VOICE: (202) 296-2840 FAX: (202) 296-1928 http://www.csbs.org John Ryan ........................................................................................President & CEO Michael Stevens ...................................................... Senior Executive Vice President John “Buz” Gorman .......................................................................... General Counsel Tom Harlow ...............................Executive Vice President/Finance & Administration Bill Matthews ........................................ Executive Vice President, President 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 Peck ..................... Senior Vice President of SRR Operations & Development Mary Beth Quist......................................... Senior Vice President, Bank Supervision Matt Comber ................................................................. Senior Director, Accreditation James Kurtzke........................................................ Vice President, Communications Sebastien Monnet ..................................... Vice President, Learning & Development One Hundred and Fourth Report CONSOLIDATED REPORT OF CONDITION DATA 78 STATE CHARTERED COMMERCIAL BANKS (in millions) JUNE 30, 2018 ASSETS Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin .................................... $1,396 b. Interest-bearing balances ................................................................................. 2,559 Securities: a. Held to maturity ................................................................................................. 1,041 b. Available-for sale............................................................................................. 15,641 c. Equity securities with readily determinable fair values ............................................ 4 Federal funds sold and securities purchased under agreements to resell...................................................... 554 Net Loans and Leases .................................................................................................... 68,694 Trading assets.......................................................................................................................... 0 Premises and fixed assets ................................................................................................ 2,111 Other real estate owned ...................................................................................................... 180 Goodwill and other intangibles.......................................................................................... 3,704 All other assets.................................................................................................................. 3,155 Total assets ...................................................................................................................$99,039 LIABILITIES Deposits: a. In domestic offices ........................................................................................$78,815 (1) Noninterest-bearing ..................................................................64,145 (2) Interest-bearing.........................................................................14,670 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 ...................................................... 877 Trading liabilities ...................................................................................................................... 0 Other borrowed money .................................................................................................... 4,465 Subordinated notes and debentures ................................................................................... 342 All other liabilities ................................................................................................................. 661 Total liabilities.................................................................................................................. 85,160 EQUITY CAPITAL Minority interests in consolidated subsidiaries ........................................................................ 4 Perpetual preferred stock ........................................................................................................ 3 Common stock ....................................................................................................................... 18 Surplus ..............................................................................................................................8,332 Undivided profits ............................................................................................................... 5,522 Total equity capital ......................................................................................................... 13,875 Total liabilities, minority interest and equity capital ..................................................... $99,039 23 Arkansas State Bank Department 24 CONSOLIDATED STATEMENT OF CONDITION OF THE 43 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 2018 ASSETS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. Non-interest Bearing Deposits: a. Own Bank and Affiliate Institutions .................................................................. $14 b. Other Institutions .................................................................................................. 0 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions .................................................................. 478 b. Other Institutions .............................................................................................. 654 U.S. Government and Agency Obligations ............................................................. 1,705 State, County and Municipal Obligations ................................................................ 1,142 Other Short-Term Obligations ........................................................................................ 3 Other Notes and Bonds .............................................................................................. 587 Money Market Funds ............................................................................................... 1,055 Other Mutual Funds ................................................................................................. 2,119 Stocks ...................................................................................................................... 4,042 Collective Investment Fund Units ............................................................................... 977 Real Estate Mortgages ................................................................................................ .10 Real Estate ................................................................................................................. 585 Miscellaneous Assets .............................................................................................. 1,569 Other .......................................................................................................................... 691 Total ................................................................................................................... $15,631 LIABILITIES Personal Accounts: 16. Personal Trusts ......................................................................................................$3,660 17. Estates & Guardianships ............................................................................................114 18. Investment Management & Advisory.......................................................................2,885 19. Custodial………….. .................................................................................................2,085 20. Agencies………….. ....................................................................................................715 Employee Benefit Accounts: 21. Trusts ....................................................................................................................... 2,188 22. Agencies ..................................................................................................................... 872 23. Custodial ..................................................................................................................... 666 Corporate and Municipal Securities Appointments: 24. Bond Trusteeships ................................................................................................... 1,271 25. Agencies ..................................................................................................................... 193 Collective Investment Funds: 26. Personal ...................................................................................................................... 852 27. Employee Benefit........................................................................................................ 125 Internal Accounts: 28. Profit Accounts ................................................................................................................ 2 29. Suspense Accounts ........................................................................................................ 3 30. Total………………………………………… ..........…………………………………$15,631 One Hundred and Fourth Report CONSOLIDATED REPORT OF CONDITION DATA 16 NATIONAL BANKS (in millions) JUNE 30, 2018 ASSETS Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ....................................... $148 b. Interest-bearing balances .................................................................................... 245 Securities: a. Held-to-maturity .................................................................................................... 283 b. Available-for-sale............................................................................................... 1,061 c. Equity securities with readily determinable fair values ............................................ 0 Federal funds sold and securities purchased under agreements to resell........................................................ 33 Net loans and leases ........................................................................................................ 5,153 Trading assets.......................................................................................................................... 0 Premises and fixed assets ................................................................................................... 190 Other real estate owned .......................................................................................................... 6 Goodwill and other intangibles............................................................................................... 50 All other assets..................................................................................................................... 234 Total assets .....................................................................................................................$7,403 LIABILITIES Deposits: a. In domestic offices .......................................................................................... $6,182 (1) Noninterest-bearing ....................................................................1,314 (2) Interest-bearing...........................................................................4,868 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 ........................................................ 16 Trading liabilities ...................................................................................................................... 0 Other borrowed money…. .................................................................................................. .314 Subordinated notes and debentures ....................................................................................... 0 All other liabilities ................................................................................................................... 32 Total liabilities....................................................................................................................6,544 EQUITY CAPITAL Minority interests in consolidated subsidiaries ........................................................................ 0 Perpetual preferred stock ........................................................................................................ 0 Common stock ....................................................................................................................... 11 Surplus ................................................................................................................................. 326 Undivided profits .................................................................................................................. 522 Total equity capital ............................................................................................................... 859 Total liabilities, minority interest and equity capital ....................................................... $7,403 25 26 Arkansas State Bank Department TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2018 BANK CITY Southern Bancorp Bank FNBC Bank RiverWind Bank First Community Bank The Citizens Bank Bank of Bearden First National Bank of North Arkansas Farmers Bank And Trust Company First Western Bank Community State Bank The First National Bank of Izard County Bank of Cave City The Merchants and Planters Bank Centennial Bank First 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 & Farmers Bank First Financial Bank Bank of England Cornerstone Bank Arvest Bank Signature Bank of Arkansas FBT Bank & Mortgage Armor Bank First National Bank of Eastern Arkansas The First National Bank of Fort Smith Bank of Gravett Anstaff Bank First Service Bank 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 Fordyce Forrest City Forrest City Fort Smith Gravette Green Forest Greenbrier RATIO 9.12 10.14 10.45 8.66 9.46 9.87 11.32 10.10 8.92 13.64 35.01 8.78 12.22 12.04 10.78 15.84 11.56 12.16 13.96 9.25 11.24 17.95 9.93 13.06 13.88 9.15 7.86 11.21 12.00 24.16 10.57 11.30 14.56 9.10 10.65 One Hundred and Fourth Report BANK CITY Farmers Bank Generations Bank Helena National Bank Horatio State Bank Today's Bank First Arkansas Bank & Trust The Bank of Lake Village Bank of Little Rock Bank of the Ozarks Central Bank Eagle Bank & Trust Company 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 First NaturalState Bank McGehee Bank The Union Bank of Mena Commercial Bank & Trust Company Union Bank And Trust Company Petit Jean State Bank Integrity First Bank, National Association Stone Bank Diamond Bank Merchants & Planters Bank First National Bank The First National Bank at Paris Piggott State Bank Relyance Bank, National Association Simmons Bank RiverBank Home Bank of Arkansas Bank of Prescott Gateway Bank First State Bank Bank of Salem Logan County Bank Greenwood Hampton Helena - W. Helena Horatio Huntsville Jacksonville Lake Village Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Lonoke Magnolia Magnolia Malvern Marion Marked Tree McGehee McGehee Mena Monticello Monticello Morrilton Mountain Home Mountain View Murfreesboro Newport Paragould Paris Piggott Pine Bluff Pine Bluff Pocahontas Portland Prescott Rison Russellville Salem Scranton 27 RATIO 18.86 9.49 14.48 11.48 9.39 15.99 10.98 10.19 13.86 11.03 12.03 2.15 9.24 9.30 8.93 9.23 9.90 13.81 10.71 11.41 14.38 10.55 9.89 9.89 13.42 9.07 11.19 9.99 11.05 11.33 11.37 9.34 11.89 9.54 10.30 11.21 14.18 11.35 11.75 11.55 19.94 28 Arkansas State Bank Department BANK CITY 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 and Merchants Bank Citizens Bank & Trust Company The First National Bank of Lawrence County First State Bank of Warren Warren Bank and Trust Company Evolve Bank & Trust Fidelity National Bank Cross County Bank The First National Bank of Wynne Searcy Sheridan Smackover Sparkman Springdale Springdale Stamps Star City Stephens Stuttgart Van Buren Walnut Ridge Warren Warren West Memphis West Memphis Wynne Wynne RATIO 16.06 13.97 12.90 8.24 10.78 12.58 11.59 15.90 8.61 11.43 12.43 11.31 11.13 17.33 8.25 11.75 12.75 10.81 One Hundred and Fourth Report 29 NATIONAL BANKS HEADQUARTERED IN ARKANSAS JUNE 30, 2018 (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 The First National Bank of Fort Smith Helena National Bank One Bank & Trust, National Association The Malvern National Bank Integrity First Bank, National Association First National Bank The First National Bank at Paris Relyance Bank, National Association 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 Fort Smith Helena – W. Helena Little Rock Malvern Mountain Home Paragould Paris Pine Bluff Springdale Walnut Ridge West Memphis Wynne ASSETS 193,177 162,137 154,392 391,769 1,305,734 182,851 255,790 527,278 485,380 1,370,542 154,913 804,245 495,355 196,216 386,532 336,312 REPORT OF THE SEVENTY-EIGHT STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2018 (000’s omitted) 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., Little Rock, AR Chm: Sherman E. Tate SVP: Christopher Wewers CEO/Pres: John Olaimey TO: Terri Bowling Cash and Due from:.................................... 32,312 Federal Funds and Repos: .................................. 1 Investments: ............................................. 189,432 Net Loans: ................................................ 914,996 Premises and Fixed Assets:........................ 40,002 Other Real Estate: ........................................ 7,244 Other Assets: .............................................. 85,656 Total Assets: .......................................... 1,269,643 Total Trust Assets: ...................................... 17,193 Deposits: .................................................. 979,872 Federal Funds and Borrowings: ................ 138,968 Other Liabilities: ............................................ 5,089 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,123,929 Total Equity Capital: .................................. 145,714 Total Liabilities and Capital: ................... 1,269,643 Number of Shares Outstanding: .................. 24,000 Directors: Hugh Arant, Jr.; Jerry Damerow; Kim Evans; Mike Montgomery; Walter Morris, Jr.; John Olaimey; Susie Smith; Darryl Swinton; Sherman Tate; Darrin Williams Branches in Town: One Other Branches: Barton, Bismarck, Blytheville (4), Clarksdale[MS], Drew[MS], El Dorado (2), Elaine, Eudora, Friars Point[MS], Gosnell, Greenville[MS] (2), Gurdon, Hamburg, Helena-West Helena (3), Hernando[MS], Hot Springs (3), Indianola[MS], Lambert[MS], Leland[MS], Lula[MS], Madison[MS], Malvern, Manila (2), Marvell, Mound Bayou[MS], Picayune[MS], Ruleville[MS], Shelby[MS], Sledge[MS], Trumann, Webb[MS] One Hundred and Fourth Report 33 FNBC Bank Ash Flat, AR VOICE: (870) 994-2311 FAX: (870) 257-1889 Trust Powers: No CEO/Pres: Marty Sellars EVP: Dana Batterton 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/CFO: Michael Burris Reg Pres/CLO: Chad Hudson Cash and Due from: ...................................... 9,244 Federal Funds and Repos: .................................. 0 Investments: ................................................ 87,772 Net Loans:................................................. 321,319 Premises and Fixed Assets: ........................ 10,968 Other Real Estate: ............................................352 Other Assets: .............................................. 15,344 Total Assets: ............................................. 444,999 Total Trust Assets: .............................................. 0 Deposits: ...................................................332,617 Federal Funds and Borrowings: ...................65,000 Other Liabilities:.............................................4,154 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 401,771 Total Equity Capital: ....................................43,228 Total Liabilities and Capital: .......................444,999 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 RiverWind Bank Augusta, AR VOICE: (870) 347-2511 FAX: (870) 347-2654 Trust Powers: Yes 100 South Second Street 72006-0120 Charter Number: 669 Date: February 20, 1935 FDIC Certificate Number: 15035 Home Page: www.riverwindbank.com Bank Holding Company None Chm: Charles P. Eldridge Pres: Casey Cullipher CEO: William D. "Bill" Patton EVP/TO: Martha Ray Cash and Due from: ...................................... 5,124 Federal Funds and Repos: ............................1,750 Investments: ................................................ 20,318 Net Loans:................................................... 68,868 Premises and Fixed Assets: .............................660 Other Real Estate: ............................................... 0 Other Assets: ................................................ 4,450 Total Assets: ............................................. 101,170 Total Trust Assets: ........................................3,850 Deposits: .....................................................88,784 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................2,561 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................91,345 Total Equity Capital: ......................................9,825 Total Liabilities and Capital: .......................101,170 Number of Shares Outstanding: ....................8,000 Directors: Dr. Steven Collier; Winston Collier; Casey Cullipher; W. P. Daniel, Jr.; W. P. Daniel, III; Charlie Eldridge; Mark Eldridge; R. E. Gregory, Jr.; Ronald Jones; William D. "Bill" Patton Branches in Town: One Other Branches: Searcy (2) 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:.................................... 14,815 Federal Funds and Repos: .................................. 0 Investments: ............................................. 187,222 Net Loans: ............................................. 1,102,741 Premises and Fixed Assets:........................ 38,434 Other Real Estate: ........................................ 5,656 Other Assets: .............................................. 34,847 Total Assets: .......................................... 1,383,715 Total Trust Assets: .................................... 108,215 Deposits: ............................................... 1,088,332 Federal Funds and Borrowings: ................ 172,552 Other Liabilities: ............................................ 5,908 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,266,792 Total Equity Capital: .................................. 116,923 Total Liabilities and Capital: ................... 1,383,715 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, Bay, Cabot (2), Cave City, Cherokee Village, Goodman[MO], Jane[MO], Jonesboro (2), Lepanto, Little Rock, 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 72501 Charter Number: 705 Date: February 19, 1953 FDIC Certificate Number: 17211 Home Page: www.thecitizensbank.net Member of Federal Reserve System Bank Holding Company Citizens Bancshares of Batesville, Inc., Batesville, AR CEO: Phil Baldwin EVP/CFO: Karen Shaw Pres: Adam Mitchell SVP/TO: Gene Crawford Cash and Due from:.................................... 35,621 Federal Funds and Repos: ........................... 1,350 Investments: ............................................. 124,054 Net Loans: ................................................ 599,162 Premises and Fixed Assets:........................ 27,206 Other Real Estate: ........................................... 909 Other Assets: .............................................. 26,953 Total Assets: ............................................. 815,255 Total Trust Assets: .................................... 123,805 Deposits: .................................................. 707,179 Federal Funds and Borrowings: .................. 21,869 Other Liabilities: ............................................ 1,598 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 730,646 Total Equity Capital: .................................... 84,609 Total Liabilities and Capital: ...................... 815,255 Number of Shares Outstanding: .................. 16,500 Directors: Phil Baldwin; Adam Mitchell; Dr. Lackey G. Moody, M.D.; Jay F. Shell; Kay Southerland; Jeffery F. Teague Branches in Town: Five Other Branches: Arkadelphia, Cave City, Crossett, Fayetteville (2), Hot Springs (2), Imboden, Monticello (2), Mountain View, Pleasant Plains, Portland, Rogers One Hundred and Fourth 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: .................................... 10,559 Federal Funds and Repos: .......................... 19,724 Investments: ................................................ 10,063 Net Loans:................................................... 25,145 Premises and Fixed Assets: .............................113 Other Real Estate: ............................................... 0 Other Assets: ...................................................161 Total Assets: ............................................... 65,765 Total Trust Assets: .............................................. 0 Deposits: .....................................................59,548 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 42 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................59,590 Total Equity Capital: ......................................6,175 Total Liabilities and Capital: .........................65,765 Number of Shares Outstanding: ....................8,300 Directors: John E. Anthony; Steven M. Anthony; Rick Green; Ronald A. Ramsay; Ken Riley; Brett Wood; Betty Word; Steve Wright Branches in Town: None Other Branches: None Farmers Bank And Trust Company Blytheville, AR VOICE: (870) 763-8101 FAX: (870) 763-3500 Trust Powers: Yes Chm: Steve Bell CEO/Pres: Randy Scott 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 CFO: Shelly Crosskno Cash and Due from: ...................................... 5,608 Federal Funds and Repos: .................................. 0 Investments: ................................................ 16,995 Net Loans:................................................. 215,380 Premises and Fixed Assets: ..........................6,740 Other Real Estate: ............................................503 Other Assets: ................................................ 7,615 Total Assets: ............................................. 252,841 Total Trust Assets: .............................................. 0 Deposits: ...................................................214,514 Federal Funds and Borrowings: ...................12,182 Other Liabilities:............................................... 768 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 227,464 Total Equity Capital: ....................................25,377 Total Liabilities and Capital: .......................252,841 Number of Shares Outstanding: ..................40,000 Directors: Steve Bell; Paula O. Blackwell; Ronny Goff; John Langston; Drew G. Lawrence; Gaylon M. Lawrence, Jr.; Randy Scott; Tommy W. Wagner, Jr. Branches in Town: Four Other Branches: Manila, Wilson 36 Arkansas State Bank Department First Western Bank Booneville, AR VOICE: (479) 936-2000 FAX: (479) 878-3408 Trust Powers: Yes 80 West Main 72927-0238 Charter Number: 397 Date: April 18, 1910 FDIC Certificate Number: 13083 Home Page: www.fwbank.com Member of Federal Reserve System Bank Holding Company First Western Bancshares, Inc., Booneville, AR Chm/CEO: John T. Hampton EVP/COO: Lynne Coan Pres/CFO: Steve Gramling Cash and Due from:.................................... 10,461 Federal Funds and Repos: .................................. 0 Investments: ............................................... 30,179 Net Loans: ................................................ 331,633 Premises and Fixed Assets:........................ 12,716 Other Real Estate: ........................................ 3,916 Other Assets: .............................................. 15,268 Total Assets: ............................................. 404,173 Total Trust Assets: ............................................... 0 Deposits: .................................................. 362,200 Federal Funds and Borrowings: .................... 2,150 Other Liabilities: ............................................ 3,913 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 368,263 Total Equity Capital: .................................... 35,910 Total Liabilities and Capital: ...................... 404,173 Number of Shares Outstanding: ................ 100,000 Directors: Dan Brown; Clay Conly; Matt Crafton; Steve Gramling; John T. Hampton; Ty Hampton; John Mack; David Remy; Johnny Williams; Jane Woolley Branches in Town: One Other Branches: Bella Vista, Bentonville, Caulksville, Fort Smith, Magazine, Rogers (3) Community State Bank Bradley, AR VOICE: (870) 894-3322 FAX: (870) 894-3324 Trust Powers: No 208 West Fourth Street 71826-0120 Charter Number: 653 Date: April 10, 1933 FDIC Certificate Number: 5619 Home Page: www.csbarkansas.com Bank Holding Company Allcorp, Inc., Little Rock, AR Chm: Alex Golden EVP/SLO: Sherri Jones CEO/Pres: Bob Genestet VP/Cash: Regina Smith Cash and Due from:...................................... 2,841 Federal Funds and Repos: .................................. 0 Investments: ................................................. 2,856 Net Loans: .................................................... 9,139 Premises and Fixed Assets:............................. 436 Other Real Estate: ............................................... 0 Other Assets: ................................................... 755 Total Assets: ............................................... 16,027 Total Trust Assets: ............................................... 0 Deposits: .................................................... 13,354 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 43 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 13,397 Total Equity Capital: ...................................... 2,630 Total Liabilities and Capital: ........................ 16,027 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 Fourth 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 CEO/Pres: John Beller EVP/COO: Kim Nunnally EVP/CFO: Dennis Esteb EVP/CLO: Gayla Hickman Cash and Due from: ...................................... 6,725 Federal Funds and Repos: ............................1,500 Investments: ................................................ 16,484 Net Loans:................................................... 74,829 Premises and Fixed Assets: ..........................3,977 Other Real Estate: ............................................255 Other Assets: ................................................ 6,146 Total Assets: ............................................. 109,916 Total Trust Assets: .............................................. 0 Deposits: .....................................................91,652 Federal Funds and Borrowings: .....................6,783 Other Liabilities:.............................................2,236 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 100,671 Total Equity Capital: ......................................9,245 Total Liabilities and Capital: .......................109,916 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 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: ...................................... 2,111 Federal Funds and Repos: ...............................875 Investments: ................................................ 31,010 Net Loans:.....................................................9,495 Premises and Fixed Assets: .............................269 Other Real Estate: ..............................................40 Other Assets: ...................................................500 Total Assets: ............................................... 44,300 Total Trust Assets: .............................................. 0 Deposits: .....................................................39,570 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 72 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................39,642 Total Equity Capital: ......................................4,658 Total Liabilities and Capital: .........................44,300 Number of Shares Outstanding: ....................5,660 Directors: James W. Faulkner; Joe Griffith; J. Kendall Henry; Kelly Lawless; E. Davidson Lee; Kirby Meacham, Jr.; J. Baxter Sharp, III Branches in Town: None Other Branches: None 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 CLO: Kevin Hester CEO/Pres: Tracy French CRO: Brian Davis Cash and Due from:.................................. 495,743 Federal Funds and Repos: .............................. 500 Investments: .......................................... 1,917,953 Net Loans: ........................................... 10,786,453 Premises and Fixed Assets:...................... 232,256 Other Real Estate: ...................................... 17,853 Other Assets: ......................................... 1,454,178 Total Assets: ........................................ 14,904,936 Total Trust Assets: .................................... 648,073 Deposits: ............................................. 10,821,065 Federal Funds and Borrowings: ............. 1,449,700 Other Liabilities: .......................................... 49,979 Subordinated Debt: .............................................. 0 Total Liabilities: .................................... 12,320,744 Total Equity Capital: ............................... 2,584,192 Total Liabilities and Capital: ................. 14,904,936 Number of Shares Outstanding: .................... 2,400 Directors: Milburn Adams; Robert H. Adcock, Jr.; John W. Allison; Richard H. Ashley; Brian Davis; Jack Engelkes; William J. Farris, Jr.; Tracy French; John Freyaldenhoven; Allen V. Hankins; Shane A. Henry; Kevin Hester; Jim Rankin; Dave Seleski; Randy Sims Branches in Town: Six Other Branches: Apalachicola[FL], Atkins, Batesville (2), Beebe (2), Bentonville, Big Pine Key[FL], Blountstown[FL], Boca Raton[FL], Bristol[FL], Bryant, Cabot (4), Carrabelle[FL], Clarksville, Clearwater[FL], Cooper City[FL], Coral Gables[FL], Coral Springs[FL], Crawfordville[FL], Dade City[FL], Dania Beach[FL], Dardanelle, Davie[FL], Destin[FL], Doral[FL], Eastpoint[FL], Elberta[AL], Englewood[FL], Fairhope[AL], Fayetteville (2), Foley[AL], Fort Smith (3), Ft. Lauderdale[FL] (3), Ft. Myers[FL], Greenbrier, Gulf Shores[AL], Heber Springs, Highland, Hollywood[FL], Islamorada[FL], Jacksonville (2), Jonesboro (6), Jupiter[FL], Key Largo[FL], Key West[FL] (3), Kissimmee[FL], Lake Mary[FL], Lakeland[FL], Little Rock (8), Lutz[FL], Marathon[FL] (2), Marco Island[FL], Mayflower, Mexico Beach[FL], Monette, Morrilton, Mountain Home, Mountain View (2), Naples[FL], Navarre[FL], New York[NY], North Little Rock (6), Orange Beach[AL], Panama City[FL], Panama City Beach[FL] (2), Paragould (3), Pensacola[FL] (2), Plant City[FL], Plantation[FL], Pompano Beach[FL], Port Saint Joe[FL], Pottsville, Punta Gorda[FL], Quincy[FL], Quitman, Rector, Rogers, Russellville (3), Saint George Island[FL], Saint James City[FL], Saint Petersburg[FL], Santa Rosa Beach[FL] (2), Sarasota[FL] (2), Searcy (3), Sherwood, Siloam Springs (2), Spring Hill[FL], Springdale, St. Cloud[FL], Tallahassee[FL] (6), Tampa[FL] (3), Tontitown, Van Buren, Venice[FL], Vilonia, Ward, West Palm Beach[FL], Weston [FL], Wewahitchka[FL], Winter Haven[FL], Winter Park[FL], Zephyrhills[FL] One Hundred and Fourth 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 SVP: Tressie A. Mills CEO/Pres: Howard M. Beaty, Jr. VP: Edith Morrison Cash and Due from: ...................................... 4,529 Federal Funds and Repos: ...............................125 Investments: ..................................................5,899 Net Loans:................................................... 21,384 Premises and Fixed Assets: ..........................1,201 Other Real Estate: ............................................577 Other Assets: ................................................ 1,285 Total Assets: ............................................... 35,000 Total Trust Assets: .............................................. 0 Deposits: .....................................................29,264 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 273 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................29,537 Total Equity Capital: ......................................5,463 Total Liabilities and Capital: .........................35,000 Number of Shares Outstanding: ................100,000 Directors: Howard M. Beaty, Jr.; Patricia Draper; Richard E. Griffin; Toyce Newton; 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 CCO: John Moore Pres: Mike Donnell CFO: Landi Mkhize Cash and Due from: ...................................... 7,156 Federal Funds and Repos: .......................... 49,225 Investments: ................................................ 36,466 Net Loans:................................................. 676,972 Premises and Fixed Assets: ........................ 11,421 Other Real Estate: .........................................8,726 Other Assets: .............................................. 31,759 Total Assets: ............................................. 821,725 Total Trust Assets: .............................................. 0 Deposits: ...................................................656,199 Federal Funds and Borrowings: ...................62,964 Other Liabilities:.............................................6,200 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 725,363 Total Equity Capital: ....................................96,362 Total Liabilities and Capital: .......................821,725 Number of Shares Outstanding: ..................10,000 Directors: Thomas Akin; Danny Bunting; John Ed Chambers, III; Bill Donnell; Mike Donnell; Nathan George; Larry Hillyard; John Russell Meeks; John O. Moore; Robert R. Redfern Branches in Town: One Other Branches: Amity, Dardanelle, Elkins (2), Fayetteville, Fort Smith (2), Havana, Hot Springs, Hot Springs Village, Mansfield, Mena, Rogers, Springdale (2), Waldron 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 Cash and Due from:.................................... 12,597 Federal Funds and Repos: .............................. 225 Investments: ............................................... 20,592 Net Loans: .................................................. 93,416 Premises and Fixed Assets:.......................... 4,905 Other Real Estate: ........................................ 1,302 Other Assets: ................................................ 3,106 Total Assets: ............................................. 136,143 Total Trust Assets: ............................................... 0 Deposits: .................................................. 116,700 Federal Funds and Borrowings: .................... 2,608 Other Liabilities: ............................................... 247 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 119,555 Total Equity Capital: .................................... 16,588 Total Liabilities and Capital: ...................... 136,143 Number of Shares Outstanding: .................... 8,000 Directors: Dee Abrams; Thomas C. Berryhill; Barbara Bullock; Bunny Bullock; Tim Marshall; Laura Ogle; Blake Tarpley; Adam Waldron Branches in Town: One Other Branches: Atkins, Conway, Danville, Dover, Russellville (2) Bank of Delight Delight, AR VOICE: (870) 379-2293 FAX: (870) 379-2575 Trust Powers: No 503 East Antioch 71940-0068 Charter Number: 342 Date: June 16, 1911 FDIC Certificate Number: 99 Home Page: www.bankofdelight.com Bank Holding Company None Chm/CEO: Darwin Hendrix Pres/COO: Vince Grimes Cash and Due from:...................................... 6,145 Federal Funds and Repos: ......................... 14,875 Investments: ................................................. 9,859 Net Loans: .................................................. 92,912 Premises and Fixed Assets:............................. 715 Other Real Estate: ........................................... 178 Other Assets: ................................................ 1,652 Total Assets: ............................................. 126,336 Total Trust Assets: ............................................... 0 Deposits: .................................................... 98,801 Federal Funds and Borrowings: .................. 10,175 Other Liabilities: ............................................... 135 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 109,111 Total Equity Capital: .................................... 17,225 Total Liabilities and Capital: ...................... 126,336 Number of Shares Outstanding: .................. 15,583 Directors: Gary Chambliss; Rodney Fagan; Darwin Hendrix; David B. Hendrix; John D. Ledbetter; Jeff L. Milam; Randy Turner Branches in Town: None Other Branches: Gurdon, Prescott One Hundred and Fourth 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: Noel Bard CEO/Pres: Gary L. Golden Reg Pres: J. Marc Jackson Cash and Due from: ...................................... 6,642 Federal Funds and Repos: ...............................150 Investments: ................................................ 45,013 Net Loans:................................................. 171,007 Premises and Fixed Assets: ..........................5,514 Other Real Estate: ............................................... 0 Other Assets: ................................................ 8,766 Total Assets: ............................................. 237,092 Total Trust Assets: .............................................. 0 Deposits: ...................................................209,552 Federal Funds and Borrowings: .....................3,914 Other Liabilities:.............................................3,327 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 216,793 Total Equity Capital: ....................................20,299 Total Liabilities and Capital: .......................237,092 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: ...................................... 6,186 Federal Funds and Repos: .................................. 0 Investments: ................................................ 59,216 Net Loans:................................................... 97,415 Premises and Fixed Assets: ..........................3,827 Other Real Estate: ............................................690 Other Assets: ................................................ 2,999 Total Assets: ............................................. 170,333 Total Trust Assets: ...................................... 28,419 Deposits: ...................................................121,231 Federal Funds and Borrowings: ...................31,530 Other Liabilities:............................................... 246 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 153,007 Total Equity Capital: ....................................17,326 Total Liabilities and Capital: .......................170,333 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.; Rob Johnston; K. Daniel Kennedy; Lester A. McKinley; James N. Moss, Jr.; 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: Eddie Lumsden EVP: Tricia Bull CEO/Pres: David Jessup TO: Jason Grantham Cash and Due from:...................................... 2,543 Federal Funds and Repos: ........................... 1,800 Investments: ............................................... 54,851 Net Loans: .................................................. 28,624 Premises and Fixed Assets:............................. 496 Other Real Estate: ............................................... 0 Other Assets: ................................................ 6,911 Total Assets: ............................................... 95,225 Total Trust Assets: ...................................... 76,857 Deposits: .................................................... 77,350 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 629 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 77,979 Total Equity Capital: .................................... 17,246 Total Liabilities and Capital: ........................ 95,225 Number of Shares Outstanding: .................. 54,000 Directors: Tricia Bull; Lyn Crawford; James L. Fly, Jr.; David L. Jessup; Charles E. Lumsden; Deane Robinson; Hallie Ehrlicher 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: Price E. Boney, Jr. Cash and Due from:...................................... 3,213 Federal Funds and Repos: ........................... 1,675 Investments: ............................................... 12,157 Net Loans: ................................................ 108,405 Premises and Fixed Assets:.......................... 5,477 Other Real Estate: ............................................... 0 Other Assets: ................................................ 5,875 Total Assets: ............................................. 136,802 Total Trust Assets: ...................................... 59,440 Deposits: .................................................. 118,564 Federal Funds and Borrowings: .................... 4,693 Other Liabilities: ............................................... 259 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 123,516 Total Equity Capital: .................................... 13,286 Total Liabilities and Capital: ...................... 136,802 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: Bryant One Hundred and Fourth 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: .................................... 15,868 Federal Funds and Repos: .......................... 57,159 Investments: ................................................ 21,523 Net Loans:................................................. 844,869 Premises and Fixed Assets: ........................ 10,266 Other Real Estate: .........................................4,466 Other Assets: .............................................. 45,451 Total Assets: ............................................. 999,602 Total Trust Assets: .............................................. 0 Deposits: ...................................................752,467 Federal Funds and Borrowings: .................114,199 Other Liabilities:.............................................3,805 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 870,471 Total Equity Capital: ..................................129,131 Total Liabilities and Capital: .......................999,602 Number of Shares Outstanding: ................704,757 Directors: Jerry Bullard; J. Stephen Cameron; Chris Hegi; James M. Moore, Jr.; Margaret M. Niel; Jeffrey W. Nolan; Gary W. Sewell; Dr. Stephen C. Smart Branches in Town: Five Other Branches: Carthage[MS], Little Rock, Senatobia[MS], Smackover Bank of England England, AR VOICE: (501) 842-2555 FAX: (501) 842-2422 Trust Powers: No 123 South Main Street 72046-0070 Charter Number: 48 Date: August 8, 1898 FDIC Certificate Number: 13303 Home Page: www.bankofengland-ar.com Bank Holding Company Canada Bancshares, Inc., England, AR Chm/CEO: Gary Canada, Sr. EVP: Hanna B. Canada Pres: Gary Canada, Jr. Cash: Sheila Rice Cash and Due from: .................................... 13,707 Federal Funds and Repos: ............................7,675 Investments: ................................................ 19,653 Net Loans:................................................. 266,568 Premises and Fixed Assets: ..........................7,075 Other Real Estate: .........................................3,861 Other Assets: .............................................. 25,371 Total Assets: ............................................. 343,910 Total Trust Assets: .............................................. 0 Deposits: ...................................................270,430 Federal Funds and Borrowings: .....................7,856 Other Liabilities:...........................................14,762 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 293,048 Total Equity Capital: ....................................50,862 Total Liabilities and Capital: .......................343,910 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: Charles T. Cross Pres/CLO: Jason Tennant Cash and Due from:.................................... 11,417 Federal Funds and Repos: .............................. 200 Investments: ............................................... 37,645 Net Loans: ................................................ 196,792 Premises and Fixed Assets:........................ 11,716 Other Real Estate: ........................................ 2,059 Other Assets: ................................................ 8,065 Total Assets: ............................................. 267,894 Total Trust Assets: ............................................... 0 Deposits: .................................................. 223,123 Federal Funds and Borrowings: .................. 18,789 Other Liabilities: ............................................ 2,200 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 244,112 Total Equity Capital: .................................... 23,782 Total Liabilities and Capital: ...................... 267,894 Number of Shares Outstanding: .................... 4,000 Directors: Genes L. Bland; Charles T. Cross; John F. Cross, Sr.; Johnice Cross; Lewis E. Epley, Jr.; William E. Goff; Rex A. Gustin; Daniel J. Mumaugh; Dale Steffens; Mark Stone; Jason F. Tennant; Randy Wolfinbarger Branches in Town: One Other Branches: Berryville, Harrison, Holiday Island, Huntsville One Hundred and Fourth 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: .................................. 926,290 Federal Funds and Repos: .......................... 15,000 Investments: ........................................... 3,865,781 Net Loans:............................................ 12,251,530 Premises and Fixed Assets: ...................... 472,226 Other Real Estate: ....................................... 17,717 Other Assets: ......................................... 1,179,187 Total Assets: ........................................ 18,727,731 Total Trust Assets: ................................. 3,749,639 Deposits: .............................................. 16,167,858 Federal Funds and Borrowings: .................423,196 Other Liabilities:......................................... 143,413 Subordinated Debt: ............................................. 0 Total Liabilities: .................................... 16,734,467 Total Equity Capital: ............................... 1,993,264 Total Liabilities and Capital: .................. 18,727,731 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: Nine Other Branches: Ada[OK], Alma, Anderson[MO], Ashdown, Aurora[MO], Bartlesville[OK] (4), Bella Vista (3), Belton[MO], Benton, Bentonville (7), Berryville, Branson[MO], Branson West[MO] (2), Broken Arrow[OK] (3), Broken Bow[OK], Bryant, Bull Shoals, Cabot, Caney[KS], Carthage[MO] (2), Cassville[MO], Catoosa[OK], Centerton, Chickasha[OK], Choctaw[OK], Clarksville, Conway (4), Coweta[OK], Del City[OK], DeQueen, Dewey[OK] (2), Dierks, Duncan[OK] (3), Edmond[OK] (3), Elgin[OK], Elkins, Eufaula[OK], Eureka Springs, Farmington, Flippin, Fort Smith (8), Gardner[KS], Gentry, Gladstone[MO], Glenwood, Golden City[MO], Gravette, Greenwood, Grove[OK], Harrison (5), Hollister[MO] (2), Hot Springs (7), Hot Springs Village (2), Huntsville (2), Idabel[OK], Independence[MO], Jacksonville, Jay[OK], Jenks[OK], Jonesboro (3), Joplin[MO] (6), Kansas [OK], Kansas City[MO] (6), Kimberling City[MO], Lamar[MO], Lawton[OK] (4), Lead Hill, Leawood[KS], Lebanon[MO], Lee's Summit[MO] (2), Lenexa[KS], Lincoln, Little Rock (9), Lockwood[MO], Lonoke, Lowell, Manila, Marshfield[MO], McAlester[OK], Mena, Miami[OK], Midwest City[OK], Mission[KS], Monett[MO], Monette, Moore[OK] (2), Morrilton, Mount Ida (2), Mountain Grove[MO], Mountain Home (6), Muskogee[OK] (4), Nashville, Neosho[MO] (2), Nevada[MO], Nixa[MO] (3), Noel[MO], Norman[OK] (6), North Little Rock (4), Nowata[OK] (2), Oklahoma City[OK] (8), Okmulgee[OK], Ottawa[KS], Overland Park[KS], Owasso[OK] (2), Paris, Pea Ridge, Pittsburg[KS] (2), Poteau[OK], Prairie Grove (2), Pryor[OK], Rogers (8), Russellville (5), Sallisaw[OK], Sand Springs[OK], Sapulpa[OK], Shawnee[OK] (3), Shell Knob[MO], Sherwood (2), Siloam Springs (3), Springdale (9), Springfield[MO] (7), Stillwater[OK] (2), Stilwell[OK], Tahlequah[OK] (3), Tulsa[OK] (17), Van Buren (2), Vinita[OK], Wagoner[OK], Waldron, Walters[OK], Webb City[MO], West Fork, West Plains[MO], Westville[OK], Yellville (2), 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 CFO: Russell W. Nugent, Jr. CAO: Brant Ward CLO: Daniel J. Lewis Cash and Due from:.................................... 55,994 Federal Funds and Repos: .............................. 400 Investments: ............................................... 49,780 Net Loans: ................................................ 507,501 Premises and Fixed Assets:.......................... 8,206 Other Real Estate: ........................................ 9,883 Other Assets: ................................................ 9,074 Total Assets: ............................................. 640,838 Total Trust Assets: ............................................... 0 Deposits: .................................................. 529,919 Federal Funds and Borrowings: .................. 38,065 Other Liabilities: ............................................ 3,190 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 571,174 Total Equity Capital: .................................... 69,664 Total Liabilities and Capital: ...................... 640,838 Number of Shares Outstanding: .................. 30,000 Directors: Gary R. Head; John A. Dominick; Matthew Duffy; Kevin J. Kooman; Greg Lee; Todd Simmons Branches in Town: None Other Branches: Bentonville, Brinkley (2), Springdale FBT Bank & Mortgage Fordyce, AR VOICE: (870) 352-3107 FAX: (870) 352-5202 Trust Powers: Yes 200 West Fourth Street 71742-2202 Charter Number: 631 Date: January 5, 1931 FDIC Certificate Number: 1028 Home Page: www.fbtbank.com Member of Federal Reserve System Bank Holding Company FBT Bancshares, Inc., Fordyce, AR Chm/CEO/Pres/TO: James V. Hulse, Jr. EVP: Lance Nutt EVP: Craig Attwood Cash and Due from:.................................... 15,778 Federal Funds and Repos: .................................. 0 Investments: ............................................... 44,352 Net Loans: .................................................. 89,490 Premises and Fixed Assets:.......................... 2,175 Other Real Estate: ............................................. 15 Other Assets: ................................................ 4,974 Total Assets: ............................................. 156,784 Total Trust Assets: ........................................ 1,176 Deposits: .................................................. 124,779 Federal Funds and Borrowings: .................. 14,300 Other Liabilities: ............................................... 562 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 139,641 Total Equity Capital: .................................... 17,143 Total Liabilities and Capital: ...................... 156,784 Number of Shares Outstanding: .................... 8,000 Directors: Joe D. Barnes; Suzette Crutchfield; James V. Hulse, Jr.; Anthony Nutt; Gregory S. Ray; John N. Summers; Greg Terry; Charles B. Trussell; Clyde Williams Branches in Town: One Other Branches: Pine Bluff, Rison, White Hall One Hundred and Fourth Report 47 Armor Bank Forrest City, AR VOICE: (870) 633-1525 FAX: (870) 633-8212 Trust Powers: No 715 North Washington 72335 Charter Number: 802 Date: June 28, 2018 FDIC Certificate Number: 28812 Home Page: www.armor.bank Bank Holding Company Forrest City Financial Corporation, Forrest City, AR Chm: Mark Waldrip Pres: Dwight L. Rutland CEO: Chad May CLO: T. Courtney Menefee Cash and Due from: ...................................... 8,955 Federal Funds and Repos: .......................... 17,865 Investments: ................................................ 20,222 Net Loans:................................................... 28,400 Premises and Fixed Assets: ..........................1,606 Other Real Estate: ............................................166 Other Assets: ................................................ 1,792 Total Assets: ............................................... 79,006 Total Trust Assets: .............................................. 0 Deposits: .....................................................61,074 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 96 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................61,170 Total Equity Capital: ....................................17,836 Total Liabilities and Capital: .........................79,006 Number of Shares Outstanding: .......................... 0 Directors: Bradley J. Beavers; Stephen W. Edwards, Sr.; Andrew F. Higginbothom; Chad T. May; Dwight L. Rutland; Mark Waldrip; Nathan M. Waldrip Branches in Town: One Other Branches: None 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 Pres: Sharron Edmondson SVP: Bob King SVP: Brenda Bridge CFO: Rick Pollreis Cash and Due from: .................................... 19,624 Federal Funds and Repos: ...............................200 Investments: ................................................ 10,492 Net Loans:................................................... 71,224 Premises and Fixed Assets: ..........................2,523 Other Real Estate: ............................................892 Other Assets: ................................................ 6,996 Total Assets: ............................................. 111,951 Total Trust Assets: .............................................. 0 Deposits: .....................................................95,112 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 230 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................95,342 Total Equity Capital: ....................................16,609 Total Liabilities and Capital: .......................111,951 Number of Shares Outstanding: ....................4,000 Directors: Sharron Edmondson; Jim A. Edmonson; Kenny R. Hancock; John A. Lykins; William R. Meade; Richard T. Pollreis; Rex Waggoner Branches in Town: One Other Branches: Centerton, Hiwasse 48 Arkansas State Bank Department Anstaff Bank Green Forest, AR VOICE: (870) 438-5214 FAX: (870) 438-5412 Trust Powers: Yes 100 First National Avenue 72638 Charter Number: 801 Date: June 28, 2016 FDIC Certificate Number: 3869 Home Page: www.anstaffbank.com Bank Holding Company First National Bancorp, Inc., Green Forest, AR Chm/CEO: Stephen E. Stafford SVP/CFO: Marcus Walser Pres: Brad King SVP/COO: Byron Russ Cash and Due from:.................................... 17,326 Federal Funds and Repos: ......................... 19,075 Investments: ............................................... 92,173 Net Loans: ................................................ 455,150 Premises and Fixed Assets:........................ 16,052 Other Real Estate: ........................................... 284 Other Assets: .............................................. 25,224 Total Assets: ............................................. 625,284 Total Trust Assets: ............................................... 0 Deposits: .................................................. 551,996 Federal Funds and Borrowings: .................... 7,104 Other Liabilities: ............................................ 4,923 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 564,023 Total Equity Capital: .................................... 61,261 Total Liabilities and Capital: ...................... 625,284 Number of Shares Outstanding: .................... 7,500 Directors: Tommy Ray Anderson; Brad King; Stacy Waller Lile; Ken Reeves; Logan Scott Stafford; Stephen E. Stafford Branches in Town: One Other Branches: Berryville (2), Flippin, Harrison (2), Huntsville, Jasper, Kingston, Mountain Home, Norfork First Service Bank Greenbrier, AR VOICE: (501) 679-7200 FAX: (501) 764-4260 Trust Powers: No 136 South Broadview 72058-0190 Charter Number: 732 Date: October 15, 1976 FDIC Certificate Number: 18519 Home Page: www.firstservicebank.com Bank Holding Company First Service Bancshares, Inc., Greenbrier, AR Chm/CEO/Pres: Thomas H. Grumbles CFO/COO: Kenneth Barnard Cash and Due from:.................................... 13,278 Federal Funds and Repos: ........................... 9,450 Investments: ................................................. 9,303 Net Loans: ................................................ 232,355 Premises and Fixed Assets:........................ 11,037 Other Real Estate: ........................................ 1,742 Other Assets: .............................................. 10,064 Total Assets: ............................................. 287,229 Total Trust Assets: ............................................... 0 Deposits: .................................................. 226,694 Federal Funds and Borrowings: .................. 28,616 Other Liabilities: ............................................ 1,834 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 257,144 Total Equity Capital: .................................... 30,085 Total Liabilities and Capital: ...................... 287,229 Number of Shares Outstanding: .................. 15,000 Directors: James Beavers; Steve Bone; Dr. Gary Bowman; Melton Cotton; Thomas H. Grumbles; Jim Hawks; Dr. Kyle D. Hensley; Dois "Dyke" Johnson; Jerry Kimbrough; Randy McCaslin; Larry Oaks Branches in Town: None Other Branches: Clinton, Conway (2), Dermott, Flippin, Little Rock, Marshall, Mountain View, Yellville One Hundred and Fourth 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: ...................................... 6,416 Federal Funds and Repos: ............................7,175 Investments: ................................................ 55,051 Net Loans:................................................. 113,001 Premises and Fixed Assets: ........................ 13,303 Other Real Estate: .........................................1,634 Other Assets: ................................................ 9,502 Total Assets: ............................................. 206,082 Total Trust Assets: ........................................1,027 Deposits: ...................................................167,609 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 307 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 167,916 Total Equity Capital: ....................................38,166 Total Liabilities and Capital: .......................206,082 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 Generations 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.mygenerations.bank Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm: Jonathan W. Harrell CFO: Jason Trenary CEO/Pres: Phillip J. Foster COO: Sandy Ferguson Cash and Due from: .................................... 13,597 Federal Funds and Repos: .......................... 12,950 Investments: ................................................ 62,769 Net Loans:................................................. 377,962 Premises and Fixed Assets: ........................ 10,165 Other Real Estate: ............................................125 Other Assets: .............................................. 13,179 Total Assets: ............................................. 490,747 Total Trust Assets: .............................................. 0 Deposits: ...................................................393,953 Federal Funds and Borrowings: ...................49,211 Other Liabilities:.............................................2,409 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 445,573 Total Equity Capital: ....................................45,174 Total Liabilities and Capital: .......................490,747 Number of Shares Outstanding: ....................4,000 Directors: Dan H. Byars; Paul Church; Gene Dereuisseaux; Sandra Ferguson; Phillip J. Foster; Ben Harrell; Carl Harrell; Jonathan W. Harrell; Robert Kimbel; 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 (3), Fayetteville, Junction City, Rogers, Siloam Springs, Van Buren 50 Arkansas State Bank Department Horatio State Bank Horatio, AR VOICE: (870) 832-2501 FAX: (870) 832-2577 Trust Powers: No 123 Main Street 71842-0347 Charter Number: 179 Date: May 15, 1905 FDIC Certificate Number: 109 Home Page: www.horatiostatebank.com Bank Holding Company Pioneer Bancshares, Inc. of Horatio, Arkansas, Horatio, AR Chm/CEO/Pres: Carl E. Hendrix, III SVP: Edith H. Smith EVP: Todd B. Trimble Cash and Due from:.................................... 18,236 Federal Funds and Repos: ........................... 1,525 Investments: ............................................... 22,040 Net Loans: ................................................ 151,483 Premises and Fixed Assets:............................. 785 Other Real Estate: ............................................. 47 Other Assets: ................................................ 4,919 Total Assets: ............................................. 199,035 Total Trust Assets: ............................................... 0 Deposits: .................................................. 176,265 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 254 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 176,519 Total Equity Capital: .................................... 22,516 Total Liabilities and Capital: ...................... 199,035 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: Foreman Today's Bank Huntsville, AR VOICE: (479) 582-0700 FAX: (479) 251-8253 Trust Powers: Yes 432 Harmony Road 72740-0667 Charter Number: 756 Date: July 26, 1991 FDIC Certificate Number: 33470 Home Page: www.todaysbank.com Bank Holding Company Mathias Bancshares, Inc., Springdale, AR Chm: Sam Mathias EVP/COO: Marivel Radcliffe CEO/Pres: Larry Olson SVP/CLO: Mark A. Marks Cash and Due from:...................................... 6,609 Federal Funds and Repos: ................................ 75 Investments: ............................................... 46,475 Net Loans: ................................................ 144,043 Premises and Fixed Assets:.......................... 6,634 Other Real Estate: ........................................ 2,777 Other Assets: ................................................ 6,478 Total Assets: ............................................. 213,091 Total Trust Assets: ............................................... 0 Deposits: .................................................. 181,819 Federal Funds and Borrowings: .................. 11,719 Other Liabilities: ............................................ 1,120 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 194,658 Total Equity Capital: .................................... 18,433 Total Liabilities and Capital: ...................... 213,091 Number of Shares Outstanding: .................. 27,000 Directors: Robert Lloyd; Sam Mathias; Bob Nickle; Larry Olson; Arthur Thurman; Jane Waters Branches in Town: One Other Branches: Alma, Fayetteville (2), Mansfield, Mulberry (2), Ozark, Springdale, Van Buren One Hundred and Fourth Report 51 First Arkansas Bank & Trust Jacksonville, AR VOICE: (501) 982-4511 FAX: (501) 982-5769 Trust Powers: Yes 600 West Main 72076 Charter Number: 701 Date: August 2, 1949 FDIC Certificate Number: 16849 Home Page: www.firstarkansasbank.com Bank Holding Company First Arkansas BancShares, Inc., Jacksonville, AR Chm/CEO/Pres: Larry T. Wilson SVP/CFO: Kim Cullum Cash and Due from: .................................... 59,395 Federal Funds and Repos: ...............................575 Investments: .............................................. 181,219 Net Loans:................................................. 462,942 Premises and Fixed Assets: ........................ 24,100 Other Real Estate: ............................................... 0 Other Assets: .............................................. 60,896 Total Assets: ............................................. 789,127 Total Trust Assets: .................................... 171,229 Deposits: ...................................................598,891 Federal Funds and Borrowings: ...................38,214 Other Liabilities:.............................................9,245 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 646,350 Total Equity Capital: ..................................142,777 Total Liabilities and Capital: .......................789,127 Number of Shares Outstanding: ................200,000 Directors: Cecil Alexander; Tommy Bond; Jamie Cobb; Pat Hagge; James E. Peacock; Kathryn W. Roberts; Terry Toney; Larry T. Wilson; Michael K. Wilson Branches in Town: Four Other Branches: Austin, Cabot (3), Clinton, Conway, Damascus, Gravel Ridge, Greenbrier, Greers Ferry, Guy, Heber Springs (3), Quitman, Sherwood (2) The Bank of Lake Village Lake Village, AR VOICE: (870) 265-2241 FAX: (870) 265-2125 Trust Powers: No 201 Main Street 71653-0727 Charter Number: 675 Date: October 14, 1937 FDIC Certificate Number: 15547 Home Page: www.bankoflakevillage.com Member of Federal Reserve System Bank Holding Company Southeast Arkansas Bank Corporation, Lake Village, AR Chm: Charles H. Weissinger, Jr. VChm: William W. Bunker CEO/Pres: Terence J. Alpe Sec: John Todd Potter Cash and Due from: ...................................... 3,938 Federal Funds and Repos: .................................. 0 Investments: ................................................ 21,327 Net Loans:................................................... 37,928 Premises and Fixed Assets: .............................841 Other Real Estate: ............................................850 Other Assets: ................................................1,941 Total Assets: ............................................... 66,825 Total Trust Assets: .............................................. 0 Deposits: .....................................................59,722 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 49 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................59,771 Total Equity Capital: ......................................7,054 Total Liabilities and Capital: .........................66,825 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, III; Charles H. Weissinger, Jr.; Guy Mattingly Weissinger Branches in Town: One Other Branches: None 52 Arkansas State Bank Department Bank of Little Rock Little Rock, AR VOICE: (501) 376-0800 FAX: (501) 376-1642 Trust Powers: Yes 200 North State Street 72201 Charter Number: 748 Date: May 4, 1989 FDIC Certificate Number: 91280 Home Page: www.bankoflittlerock.com Member of Federal Reserve System Bank Holding Company Little Rock Bankshares, Inc., Little Rock, AR Chm/CEO/Pres: Eugene L. Maris SVP/Cash: Lee A. Swearingen SVP: Kim Markland Cash and Due from:.................................... 10,320 Federal Funds and Repos: ........................... 2,850 Investments: ............................................... 79,091 Net Loans: ................................................ 102,801 Premises and Fixed Assets:.......................... 6,300 Other Real Estate: ........................................ 1,225 Other Assets: ................................................ 5,041 Total Assets: ............................................. 207,628 Total Trust Assets: ............................................... 0 Deposits: .................................................. 184,950 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 1,156 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 186,106 Total Equity Capital: .................................... 21,522 Total Liabilities and Capital: ...................... 207,628 Number of Shares Outstanding: ................ 100,000 Directors: Eugene L. Maris; James M. May, III; Stephen W. Plunkett; Steven C. Russell Branches in Town: Four Other Branches: None One Hundred and Fourth Report 53 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 None Chm/CEO: George G. Gleason, II COO: Tyler Vance CFO: Greg McKinney TO: Jennifer Junker Cash and Due from: .................................. 585,351 Federal Funds and Repos: .................................. 0 Investments: ........................................... 2,608,438 Net Loans:............................................ 16,659,236 Premises and Fixed Assets: ...................... 540,998 Other Real Estate: ....................................... 20,301 Other Assets: ......................................... 1,806,056 Total Assets: ........................................ 22,220,380 Total Trust Assets: ................................. 1,846,042 Deposits: .............................................. 17,897,085 Federal Funds and Borrowings: .................181,617 Other Liabilities:......................................... 182,571 Subordinated Debt: ................................... 342,165 Total Liabilities: .................................... 18,603,438 Total Equity Capital: ............................... 3,616,942 Total Liabilities and Capital: .................. 22,220,380 Number of Shares Outstanding: ......... 128,288,000 Directors: Nicholas A. Brown; Paula Cholmondeley; Richard L. Cisne; Robert C. East; Kathleen M. Franklin; Catherine B. Freedberg; Jeffrey Gearhart; George G. Gleason, II; Linda D. Gleason; Peter C. Kenny; Bill Koefoed; Walter J. Mullen; Christopher Orndorff; Robert Proost; John B. Reynolds; Ross M. Whipple Branches in Town: 10 Other Branches: Adairsville[GA], Advance[NC], Allen[TX], Alma, Altus, Apollo Beach[FL], Arkadelphia (2), Asheboro[NC], Atlanta[GA] (2), Auburn[GA], Austin[TX], Bainbridge[GA] (2), Bella Vista (2), Belleair Bluffs[FL], Benton (3), Bentonville (2), Bessemer City[NC], Blairsville[GA], Blue Ridge[GA], Bluffton[SC], Bogart[GA], Boiling Springs[NC], Bonita Springs[FL], Bradenton[FL] (6), Braselton[GA], Bremen[GA], Brunswick[GA], Bryant, Buchanan[GA], Buford[GA], Cabot (2), Cairo[GA], Calhoun[GA], Canton[GA], Cape Coral[FL] (2), Carrollton[GA] (2), Carrollton[TX], Cartersville[GA] (2), Cedar Park[TX], Charlotte[NC], Chatsworth[GA], Clarksville (2), Clearwater[FL] (4), Clinton, Columbus[GA], Concord[NC], Conway (4), Conyers[GA], Coral Gables[FL], Cornelia[GA], Cornelius[NC], Cramerton[NC], Cumming[GA] (3), Dahlonega[GA], Dallas[GA], Dallas[TX], Dalton[GA], Dawsonville[GA], Doral[FL], Douglasville[GA] (2), East Ellijay[GA], Ellijay[GA], Fayetteville (3), Forest City[NC], Fort Lauderdale[FL], Fort Myers[FL] (3), Fort Smith (3), Franklin[GA], Frisco[TX] (2), Gastonia[NC], Geneva[AL], Grayson[GA], Greensboro[GA], Harrisburg[NC], Harrison (3), Hilton Head Island[SC], Hope (2), Hot Springs (6), Hot Springs Village, Houston[TX] (4), Jacksonville[FL], Jasper, Jefferson[GA], Keller[TX], Kings Mountain[NC], Lake Park[GA], Landis[NC], Lawndale[NC], Lewisville[TX], Lexington[NC], Lincolnton[NC], Lockhart[TX], Loganville[GA], Lonoke, Lonsdale, Macon[GA] (3), Magnolia (2), Malvern (2), Marble Hill[GA], Marietta[GA], Marshall, Maumelle, McDonough[GA], McKinney[TX], Miami[FL], Miami Beach[FL], Mobile[AL] (2), Mocksville[NC], Mountain Home (2), Mulberry, New York[NY], Newnan[GA], North Little Rock (3), Oakwood[GA], Ocala[FL], Ozark (2), Palmetto[FL], Paris, Pinellas Park[FL], Plano[TX], Port Charlotte[FL] (2), Punta Gorda[FL], Riverview[FL], Rogers (3), Rome[GA], Roswell[GA], Russellville (3), San Antonio[TX], Sarasota[FL], Savannah[GA], Senoia[GA], Sharpsburg[GA], Shelby[NC] (5), Sherwood, Siloam Springs, Snellville[GA], South Pasadena[FL], Southlake[TX], Springdale (2), St. Petersburg[FL] (3), St. Simons Island[GA], Statham[GA], Tallapoosa[GA], Tampa[FL] (5), Texarkana, Texarkana[TX] (2), The Colony[TX], Valdosta[GA] (3), Van Buren (2), Villa Rica[GA], Watkinsville[GA], Western Grove, Wilmington[NC], Winder[GA] (2), WinstonSalem[NC], Woodstock[GA], Yellville, Zephyrhills[FL] 54 Arkansas State Bank Department Central Bank Little Rock, AR VOICE: (501) 221-6400 FAX: (501) 227-8932 Trust Powers: No 1506 Market Street, Suite C180 Charter Number: 385 72211-1816 Date: August 12, 1912 FDIC Certificate Number: 1756 Home Page: www.centralbankar.com Bank Holding Company None Chm: R. Steve Roberson VP/Cash: Brandy Thiele CEO: Wade Ruckle Reg Pres: David Bordovsky Cash and Due from:...................................... 2,588 Federal Funds and Repos: ........................... 6,721 Investments: ............................................... 46,323 Net Loans: ................................................ 139,194 Premises and Fixed Assets:.......................... 1,803 Other Real Estate: ........................................ 1,508 Other Assets: ................................................ 5,805 Total Assets: ............................................. 203,942 Total Trust Assets: ............................................... 0 Deposits: .................................................. 167,922 Federal Funds and Borrowings: .................. 13,579 Other Liabilities: ............................................... 565 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 182,066 Total Equity Capital: .................................... 21,876 Total Liabilities and Capital: ...................... 203,942 Number of Shares Outstanding: ................ 160,000 Directors: David Bordovsky; James R. Burks; Steven Collier; David Dowd; John Reese; R. Steve Roberson; Wade Ruckle; Bruce Schratz, Jr.; Patricia Weed Branches in Town: One Other Branches: Bentonville Eagle Bank & Trust Company Little Rock, AR VOICE: (501) 223-2000 FAX: (501) 223-0373 Trust Powers: Yes 650 South Shackleford, Suite 150 Charter Number: 735 72211 Date: May 27, 1977 FDIC Certificate Number: 3873 Home Page: www.eaglebank.com Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Catherine H. Owen EVP: Laura Bogoslavsky CEO/Pres: Jeff Lynch EVP: Paul Castleberry Cash and Due from:.................................... 10,201 Federal Funds and Repos: .................................. 0 Investments: ............................................. 131,302 Net Loans: ................................................ 233,427 Premises and Fixed Assets:.......................... 9,798 Other Real Estate: ........................................ 2,915 Other Assets: .............................................. 13,641 Total Assets: ............................................. 401,284 Total Trust Assets: ............................................... 0 Deposits: .................................................. 301,999 Federal Funds and Borrowings: .................. 51,097 Other Liabilities: ............................................ 1,786 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 354,882 Total Equity Capital: .................................... 46,402 Total Liabilities and Capital: ...................... 401,284 Number of Shares Outstanding: .................. 17,656 Directors: Andrew H. Hastings; H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Bill G. Lynch; Jeff Lynch; Catherine H. Owen Branches in Town: None Other Branches: Drasco, Fairfield Bay, Gravel Ridge, Greers Ferry, Heber Springs (2), North Little Rock, Quitman, Rose Bud, Sherwood (2), Vilonia One Hundred and Fourth Report 55 The Capital Bank Little Rock, AR VOICE: (501) 228-6000 FAX: (501) 228-6006 Trust Powers: Yes Pres: Troy Duke 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 VP/COO: Heather Drew Cash and Due from: ...................................... 1,006 Federal Funds and Repos: ............................2,375 Investments: ................................................ 73,787 Net Loans:................................................... 64,187 Premises and Fixed Assets: ..........................3,061 Other Real Estate: ............................................171 Other Assets: ................................................ 8,592 Total Assets: ............................................. 153,179 Total Trust Assets: .............................................. 0 Deposits: ...................................................110,147 Federal Funds and Borrowings: ...................30,370 Other Liabilities:............................................... 223 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 140,740 Total Equity Capital: ....................................12,439 Total Liabilities and Capital: .......................153,179 Number of Shares Outstanding: ..................32,013 Directors: Troy Duke; Joseph W. Park; Boyd Rothwell; Warren Stephenson Branches in Town: None Other Branches: None First State Bank Lonoke, AR VOICE: (501) 676-3106 FAX: (501) 676-5046 Trust Powers: No Chm: Neil Bennett, Jr. 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 CFO: Kevin Scribner Cash and Due from: .................................... 12,685 Federal Funds and Repos: .................................. 0 Investments: .............................................. 107,296 Net Loans:................................................. 133,491 Premises and Fixed Assets: ..........................6,974 Other Real Estate: .........................................7,177 Other Assets: ................................................5,273 Total Assets: ............................................. 272,896 Total Trust Assets: .............................................. 0 Deposits: ...................................................247,212 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 410 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 247,622 Total Equity Capital: ....................................25,274 Total Liabilities and Capital: .......................272,896 Number of Shares Outstanding: ..................16,000 Directors: Alan Barksdale; Neil Bennett, Jr.; William Fletcher, Jr.; J. Walls McCrary; Daina B. Newcomb; Wade Ruckle; Marvin D. Thaxton, Jr. Branches in Town: One Other Branches: Carlisle, Fayetteville, Gurdon, Heber Springs Arkansas State Bank Department 56 Farmers Bank and Trust Company Magnolia, AR VOICE: (870) 235-7000 FAX: (870) 235-7008 Trust Powers: Yes 200 East Main Street 71753 Charter Number: 217 Date: September 26, 1906 FDIC Certificate Number: 1291 Home Page: www.myfarmers.bank Member of Federal Reserve System Bank Holding Company Magnolia Banking Corporation, Magnolia, AR Chm: Bob L. Burns CFO: Drew Chandler CEO/Pres: Chris Gosnell CLO: Dave White Cash and Due from:.................................... 35,928 Federal Funds and Repos: .................................. 0 Investments: ............................................. 226,163 Net Loans: ............................................. 1,120,292 Premises and Fixed Assets:........................ 19,757 Other Real Estate: ........................................... 830 Other Assets: .............................................. 61,892 Total Assets: .......................................... 1,464,862 Total Trust Assets: .................................... 151,827 Deposits: ............................................... 1,268,629 Federal Funds and Borrowings: .................. 31,418 Other Liabilities: .......................................... 14,648 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,314,695 Total Equity Capital: .................................. 150,167 Total Liabilities and Capital: ................... 1,464,862 Number of Shares Outstanding: ................ 100,000 Directors: John E. Alexander, Jr.; Mike Boyd; Bob L. Burns; Jack Daugherty; Dr. Jason Franks; Chris Gosnell; Bruce D. Maloch; T. E. Smith Branches in Town: Two Other Branches: Benton, Blevins, Camden (4), Hope (3), Lewisville, Malvern (2), New Boston[TX], Prosper[TX], Taylor, Texarkana (2), Texarkana[TX] (2) The Peoples Bank Magnolia, AR VOICE: (870) 234-5777 FAX: (870) 234-3384 Trust Powers: Yes 500 North Jackson 71753-0340 Charter Number: 313 Date: June 22, 1910 FDIC Certificate Number: 12531 Home Page: www.pbmag.com Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm: S. Clark Fincher EVP/COO: Jill McClinton CEO/Pres: Mary L. Fowler CFO: Jonathan Baird Cash and Due from:.................................... 37,674 Federal Funds and Repos: .............................. 300 Investments: ............................................... 21,985 Net Loans: ................................................ 140,707 Premises and Fixed Assets:.......................... 4,327 Other Real Estate: ........................................... 786 Other Assets: ................................................ 6,838 Total Assets: ............................................. 212,617 Total Trust Assets: ............................................... 0 Deposits: .................................................. 148,473 Federal Funds and Borrowings: .................. 43,935 Other Liabilities: ............................................... 721 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 193,129 Total Equity Capital: .................................... 19,488 Total Liabilities and Capital: ...................... 212,617 Number of Shares Outstanding: .................. 10,000 Directors: Brian Baird; Jonathan Baird; Dorothy J. Fincher; Steven Clark Fincher; Mary L. Fowler; Betty Harris; Jill McClinton; Molly Mitchell; J. David Scott; Laura Scott; Jamie Waller Branches in Town: One Other Branches: Waldo One Hundred and Fourth Report 57 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: .................................... 15,295 Federal Funds and Repos: ............................1,425 Investments: ................................................ 20,786 Net Loans:................................................. 103,309 Premises and Fixed Assets: ..........................3,427 Other Real Estate: ............................................566 Other Assets: ................................................ 3,869 Total Assets: ............................................. 148,677 Total Trust Assets: .............................................. 0 Deposits: ...................................................125,470 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................1,481 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 126,951 Total Equity Capital: ....................................21,726 Total Liabilities and Capital: .......................148,677 Number of Shares Outstanding: ..................60,000 Directors: Michael D. East; Frank A. Fogleman; Allen B. Helms, Jr.; Mark A. Pirani; James A. Ross; Samuel H. Stuckey, Jr.; William Bart Turner; Donny Underwood; David S. Wallace; Charles L. Williams, Jr. Branches in Town: None Other Branches: West Memphis First Delta Bank Marked Tree, AR VOICE: (870) 358-6000 FAX: (870) 358-6001 Trust Powers: No 214 Hester Parker Drive 72365-0635 Charter Number: 704 Date: October 31, 1951 FDIC Certificate Number: 17047 Home Page: www.firstdeltabank.com Member of Federal Reserve System Bank Holding Company Tyronza Bancshares, Inc., Marked Tree, AR Chm: Herrick Norcross, III CEO/Pres: Chris M. Lehman Cash and Due from: ...................................... 1,584 Federal Funds and Repos: .................................. 0 Investments: ................................................ 40,132 Net Loans:................................................... 21,053 Premises and Fixed Assets: .............................447 Other Real Estate: ............................................169 Other Assets: ................................................ 1,400 Total Assets: ............................................... 64,785 Total Trust Assets: .............................................. 0 Deposits: .....................................................52,615 Federal Funds and Borrowings: .....................6,575 Other Liabilities:............................................... 123 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................59,313 Total Equity Capital: ......................................5,472 Total Liabilities and Capital: .........................64,785 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 58 Arkansas State Bank Department First NaturalState Bank McGehee, AR VOICE: (870) 222-3880 FAX: (870) 222-4853 Trust Powers: Yes 500 North Second 71654 Charter Number: 798 Date: January 21, 2016 FDIC Certificate Number: 21379 Home Page: www.fnbmcgehee.com Member of Federal Reserve System Bank Holding Company First National Financial Corporation, McGehee, AR CEO/Pres: Jim Daniels SVP: Fran Childress EVP/CFO: Wendy Barnes VP: Jacob Box Cash and Due from:...................................... 3,831 Federal Funds and Repos: .............................. 150 Investments: ............................................... 14,628 Net Loans: .................................................. 35,853 Premises and Fixed Assets:............................. 610 Other Real Estate: ............................................... 0 Other Assets: ................................................... 946 Total Assets: ............................................... 56,018 Total Trust Assets: ............................................. 24 Deposits: .................................................... 47,095 Federal Funds and Borrowings: .................... 3,000 Other Liabilities: ................................................. 30 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 50,125 Total Equity Capital: ...................................... 5,893 Total Liabilities and Capital: ........................ 56,018 Number of Shares Outstanding: .................. 68,000 Directors: Jim Daniels; Gibbs Biscoe Ferguson; Dewey Emmett Johnson; Robert Emmett Lucky, Sr.; Robert Smith Moore, Jr.; Charles Anthony Pambianchi Branches in Town: One Other Branches: None McGehee Bank McGehee, AR VOICE: (870) 222-3151 FAX: (870) 222-6159 Trust Powers: Yes 301 North Second Street 71654-0787 Charter Number: 661 Date: December 5, 1933 FDIC Certificate Number: 11242 Home Page: www.mcgeheebank.com Bank Holding Company Southeast Financial Bankstock Corporation, McGehee, AR CEO/Pres: James M. Smith SVP: Clarissa Herren VChm/COO: John H. Potter, Jr. VP/TO: Jim S. Youngblood Cash and Due from:...................................... 6,782 Federal Funds and Repos: .................................. 0 Investments: ............................................... 14,867 Net Loans: ................................................ 101,141 Premises and Fixed Assets:............................. 508 Other Real Estate: ............................................... 0 Other Assets: ................................................ 5,325 Total Assets: ............................................. 128,623 Total Trust Assets: ...................................... 98,802 Deposits: .................................................... 95,585 Federal Funds and Borrowings: .................. 15,000 Other Liabilities: ............................................... 384 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 110,969 Total Equity Capital: .................................... 17,654 Total Liabilities and Capital: ...................... 128,623 Number of Shares Outstanding: .................. 80,000 Directors: Lee Bowman; William W. Bowman; David S. Leech; Jeff Owyoung; John H. Potter, Jr.; James M. Smith Branches in Town: One Other Branches: Arkansas City, Watson One Hundred and Fourth Report 59 The Union Bank of Mena Mena, AR VOICE: (479) 394-2211 FAX: (479) 394-8901 Trust Powers: No 303 Hwy. 71 North 71953-0898 Charter Number: 667 Date: July 25, 1934 FDIC Certificate Number: 14597 Home Page: www.unionbankofmena.com Member of Federal Reserve System Bank Holding Company Union Bankshares, Inc., Mena, AR Chm: David Maddox EVP/CFO: Michael Myers CEO/Pres: Philip B. Hensley SVP/RMO: Kevin Williams Cash and Due from: .................................... 18,328 Federal Funds and Repos: ...............................200 Investments: ................................................ 60,656 Net Loans:................................................. 172,837 Premises and Fixed Assets: ..........................3,691 Other Real Estate: ............................................285 Other Assets: ................................................ 4,507 Total Assets: ............................................. 260,504 Total Trust Assets: .............................................. 0 Deposits: ...................................................230,342 Federal Funds and Borrowings: ......................... 67 Other Liabilities:.............................................3,468 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 233,877 Total Equity Capital: ....................................26,627 Total Liabilities and Capital: .......................260,504 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; Phillip Stevenson Branches in Town: None Other Branches: Hatfield, Wickes Commercial Bank & Trust Company Monticello, AR VOICE: (870) 367-6221 FAX: (870) 367-7700 Trust Powers: Yes 212 West Gaines Street 71655 Charter Number: 396 Date: November 29, 1912 FDIC Certificate Number: 90 Home Page: www.commercial-bank.net Member of Federal Reserve System Bank Holding Company Drew Bancshares, Inc., Monticello, AR Chm/CEO: Bennie Ryburn, III SVP: Michael Efird Pres/CFO/COO: George T. Harris SVP/TO: Rusty Smith Cash and Due from: ...................................... 3,553 Federal Funds and Repos: ............................1,075 Investments: ................................................ 72,403 Net Loans:................................................. 128,094 Premises and Fixed Assets: ..........................1,489 Other Real Estate: ............................................508 Other Assets: ................................................ 6,787 Total Assets: ............................................. 213,909 Total Trust Assets: ...................................... 15,070 Deposits: ...................................................172,324 Federal Funds and Borrowings: ...................23,655 Other Liabilities:............................................... 288 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 196,267 Total Equity Capital: ....................................17,642 Total Liabilities and Capital: .......................213,909 Number of Shares Outstanding: ....................8,000 Directors: Joe Brannen; C. C. Gibson, III; George T. Harris; R. D. Jones, Jr.; Wayne L. Owen, Jr.; Bennie Ryburn, III; Ray Ryburn; Mike Ward Branches in Town: Four Other Branches: None 60 Arkansas State Bank Department Union Bank And Trust Company Monticello, AR VOICE: (870) 460-6400 FAX: (870) 460-6464 Trust Powers: Yes 102 West McCloy 71657-0270 Charter Number: 448 Date: September 15, 1915 FDIC Certificate Number: 1753 Home Page: www.unionbnk.com Bank Holding Company First Union Financial Corporation, Monticello, AR Chm Emer: Zach McClendon, Jr. CEO/Pres: Dave Dickson Chm: John S. McClendon TO: Gail Hooker Cash and Due from:...................................... 4,649 Federal Funds and Repos: .................................. 0 Investments: ............................................... 37,225 Net Loans: ................................................ 156,250 Premises and Fixed Assets:.......................... 4,042 Other Real Estate: ........................................... 492 Other Assets: ................................................ 8,152 Total Assets: ............................................. 210,810 Total Trust Assets: ...................................... 40,763 Deposits: .................................................. 181,997 Federal Funds and Borrowings: .................... 7,281 Other Liabilities: ............................................ 1,451 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 190,729 Total Equity Capital: .................................... 20,081 Total Liabilities and Capital: ...................... 210,810 Number of Shares Outstanding: .................. 80,000 Directors: Mike Akin; Whit Barton; Charles F. Dearman, Jr.; Dave Dickson; Tommy V. Maxwell; John S. McClendon; Robin McClendon; Zach McClendon, Jr.; Thomas M. Smith Branches in Town: Two Other Branches: Warren Petit Jean State Bank Morrilton, AR VOICE: (501) 354-4988 FAX: (501) 354-6560 Trust Powers: No 707 North Saint Joseph Street Charter Number: 777 72110 Date: January 27, 1999 FDIC Certificate Number: 35084 Home Page: www.pjsb.com Member of Federal Reserve System Bank Holding Company Petit Jean Bancshares, Inc., Morrilton, AR Chm/Pres: Charles S. Penick EVP: Suzanne Hartman EVP: Susan Gunderman Cash and Due from:.................................... 25,874 Federal Funds and Repos: .............................. 425 Investments: ............................................... 69,266 Net Loans: .................................................. 82,344 Premises and Fixed Assets:.......................... 2,255 Other Real Estate: ............................................. 54 Other Assets: ................................................ 7,086 Total Assets: ............................................. 187,304 Total Trust Assets: ............................................... 0 Deposits: .................................................. 154,669 Federal Funds and Borrowings: .................... 6,302 Other Liabilities: ............................................ 1,240 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 162,211 Total Equity Capital: .................................... 25,093 Total Liabilities and Capital: ...................... 187,304 Number of Shares Outstanding: .................. 50,000 Directors: Hall M. Calhoun, III; Katherine Foust; Todd Haynes; Michael D. Koone; Otto Lienhart, II; John Maus, III; Charles S. Penick; Stanton C. Willis Branches in Town: One Other Branches: None One Hundred and Fourth Report 61 Stone Bank Mountain View, AR VOICE: (870) 269-7311 FAX: (870) 269-7312 Trust Powers: No 802 East Main Street 72560 Charter Number: 797 Date: August 4, 2015 FDIC Certificate Number: 17431 Home Page: www.stonebank.com Bank Holding Company Stone Bancshares, Inc., Mountian View, AR CEO: Marnie B. Oldner EVP: Bruce Upton Pres/CLO: Nick Roach CFO: Stephen Ragland Cash and Due from: ...................................... 2,434 Federal Funds and Repos: ...............................115 Investments: ................................................ 15,461 Net Loans:................................................. 240,452 Premises and Fixed Assets: ........................ 14,893 Other Real Estate: .........................................2,487 Other Assets: .............................................. 19,600 Total Assets: ............................................. 295,442 Total Trust Assets: .............................................. 0 Deposits: ...................................................233,280 Federal Funds and Borrowings: ...................28,500 Other Liabilities:.............................................2,248 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 264,028 Total Equity Capital: ....................................31,414 Total Liabilities and Capital: .......................295,442 Number of Shares Outstanding: ............. 1,089,750 Directors: Buddy Bolin; J. T. Compton; Kevin Compton; Ray Dillon; Roger Helms; Raymond Merrill; Marnie B. Oldner; Nick Roach; Ron Sims; Gladys M. Webb; Fred Williams Branches in Town: None Other Branches: Harrison, Little Rock, White Hall Diamond Bank Murfreesboro, AR VOICE: (870) 285-2172 FAX: (870) 356-2858 Trust Powers: No 319 East Main 71958 Charter Number: 175 Date: December 19, 1904 FDIC Certificate Number: 1527 Home Page: www.diamondbanking.com Member of Federal Reserve System Bank Holding Company Bainum Bancorp, Glenwood, AR Chm/CEO: Tim Bainum EVP: Johnny Gibbs Pres: Ken "Mac" McClanahan Cash and Due from: .................................... 16,210 Federal Funds and Repos: .................................. 0 Investments: .............................................. 139,796 Net Loans:................................................. 403,931 Premises and Fixed Assets: ........................ 10,915 Other Real Estate: ............................................116 Other Assets: .............................................. 15,314 Total Assets: ............................................. 586,282 Total Trust Assets: .............................................. 0 Deposits: ...................................................507,450 Federal Funds and Borrowings: ...................19,984 Other Liabilities:.............................................2,661 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 530,095 Total Equity Capital: ....................................56,187 Total Liabilities and Capital: .......................586,282 Number of Shares Outstanding: ................172,000 Directors: Tim Bainum; Timothy (Tab) Bainum; Robert Braun; Richard Cox; Robert Evans; John E. Gibbs; John Hearnsberger; Shauna L. Lucas; Virgilio Martinez; Ken "Mac" McClanahan; Larry Mitchell; Mike Moore; George E. Steel, Jr. Branches in Town: None Other Branches: Ashdown, DeQueen, Dierks, Glenwood, Hope, Hot Springs (2), Mena, Mineral Springs, Mount Ida, Nashville (2), Russellville, Texarkana[TX] 62 Arkansas State Bank Department Merchants & Planters Bank Newport, AR VOICE: (870) 523-3601 FAX: (870) 523-3473 Trust Powers: Yes 120 Hazel 72112-0650 Charter Number: 694 Date: March 20, 1946 FDIC Certificate Number: 16464 Home Page: www.mandpbank.com Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/TO: Jim S. Gowen, Sr. EVP/Cash: Patricia Davis CEO/Pres: Jim S. Gowen, Jr. SVP/CLO: Randy Cross Cash and Due from:...................................... 6,120 Federal Funds and Repos: .................................. 0 Investments: ............................................... 46,167 Net Loans: ................................................ 181,385 Premises and Fixed Assets:........................ 11,528 Other Real Estate: ........................................... 481 Other Assets: .............................................. 11,706 Total Assets: ............................................. 257,387 Total Trust Assets: ...................................... 83,874 Deposits: .................................................. 214,651 Federal Funds and Borrowings: .................. 12,726 Other Liabilities: ............................................ 3,053 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 230,430 Total Equity Capital: .................................... 26,957 Total Liabilities and Capital: ...................... 257,387 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 (3), Des Arc, McCrory, Newark, Searcy, Swifton, Tuckerman Piggott State Bank Piggott, AR VOICE: (870) 598-3802 FAX: (870) 598-2026 Trust Powers: No 212 West Cherry 72454-0307 Charter Number: 613 Date: March 10, 1930 FDIC Certificate Number: 5628 Home Page: www.piggottstatebank.com Member of Federal Reserve System Bank Holding Company Piggott Bankstock, Inc., Piggott, AR Chm: Steve Bell VP: Joyce Benson CEO/Pres: Cody Knight VP/Cash: Wanda Winberry Cash and Due from:...................................... 6,669 Federal Funds and Repos: .................................. 0 Investments: ............................................... 37,990 Net Loans: .................................................. 38,705 Premises and Fixed Assets:............................. 945 Other Real Estate: ............................................... 0 Other Assets: ................................................ 2,082 Total Assets: ............................................... 86,391 Total Trust Assets: ............................................... 0 Deposits: .................................................... 78,211 Federal Funds and Borrowings: ....................... 394 Other Liabilities: ............................................... 151 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 78,756 Total Equity Capital: ...................................... 7,635 Total Liabilities and Capital: ........................ 86,391 Number of Shares Outstanding: .................... 4,000 Directors: Steve Bell; Paula O. Blackwell; Cody Knight; James C. Poole Branches in Town: One Other Branches: Rector One Hundred and Fourth Report 63 Simmons Bank Pine Bluff, AR VOICE: (870) 541-1000 FAX: (870) 850-2685 Trust Powers: Yes 501 Main Street 71601-4327 Charter Number: 799 Date: March 31, 2016 FDIC Certificate Number: 3890 Home Page: www.simmonsbank.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO/Pres: Marty D. Casteel CCO: Steve Wade CBO: Barry Ledbetter TO: Joe Clement Cash and Due from: .................................. 931,505 Federal Funds and Repos: .......................... 12,000 Investments: ........................................... 2,116,796 Net Loans:............................................ 11,353,025 Premises and Fixed Assets: ...................... 275,468 Other Real Estate: ....................................... 30,502 Other Assets: ......................................... 1,419,087 Total Assets: ........................................ 16,138,383 Total Trust Assets: ................................. 5,531,907 Deposits: .............................................. 12,166,287 Federal Funds and Borrowings: .............. 1,551,611 Other Liabilities:......................................... 130,236 Subordinated Debt: ............................................. 0 Total Liabilities: .................................... 13,848,134 Total Equity Capital: ............................... 2,290,249 Total Liabilities and Capital: .................. 16,138,383 Number of Shares Outstanding: ................700,000 Directors: Jay D. Burchfield; Marty D. Casteel; Dean Chambliss; William E. Clark, II; Steven A. Cosse'; Mark C. Doramus; Eddie Drilling; Eugene Hunt; Jerry Hunter; Met L. Jones, II; Christopher R. Kirkland; Susan Lanigan; John Lytle; W. Scott McGeorge; Johnny McGraw; Beverly Morrow; George R. O'Conner; Tom Purvis; H. Glenn Rambin; Adam B. Robinson, Jr.; Robert L. Shoptaw; Russ Teubner; H. Ford Trotter, III; Malynda K. West; Ed Woodside Branches in Town: Six Other Branches: Arlington[TX] (2), Athens[TN] (2), Atoka[TN], Austin[TX], Beebe, Benton, Bentonville, Bolivar[TN], Branson[MO], Branson West[MO], Brownsville[TN] (2), Bryant, Burleson[TX], Cabot, Carthage[MO], Charleston, Chickasha[OK], Clarksville, Clayton[MO], Clinton, Collierville[TN], Columbia[TN], Conway (4), Crane[MO], Crestwood[MO], Dallas[TX] (3), Dermott, Dresden[TN] (2), Dumas, Dyersburg[TN] (3), Edmond[OK] (2), El Dorado (2), El Dorado Springs[MO], Englewood[CO], Etowah[TN], Fayetteville (3), Fort Smith (4), Fort Worth[TX] (7), Franklin[TN] (2), Galena[MO], Gallatin[TN], Goodlettsville[TN], Grand Junction[TN], Grapevine[TX], Greenfield[MO], Greenfield[TN], Hamburg, Hendersonville[TN] (2), Hensley, Highlands Ranch[CO], Hot Springs (4), Humboldt[TN], Hutchinson[KS], Jackson[TN] (4), Jonesboro (3), Joplin[MO] (2), Kenton[TN], Kingston[TN], Knoxville[TN], Lake Village, Lees Summit[MO], Lexington[TN], Lincoln, Little Rock (15), Lockwood[MO], Lone Tree[CO], Madisonville[TN], Mammoth Spring, Mansfield[TX], Marshall, Marshfield[MO], Martin[TN], Maryville[TN], Maumelle, Memphis[TN], Middleton[TN], Monticello, Mount Vernon[MO], Mountain View, Nashville[TN], Nixa[MO], North Little Rock (3), Oak Ridge[TN], Oklahoma City[OK] (7), Olathe[KS], Ozark, Ozark[MO], Paragould, Parkdale, Reeds Spring[MO], Rogers (2), Russellville (3), Saginaw[TX], Saint Louis[MO], San Antonio[TX] (2), Searcy (2), Sedalia[MO], Sharon[TN], Siloam Springs, South Fulton[TN], South Hutchinson[KS], Springdale (2), Springfield[MO] (6), Star City, Stillwater[OK] (5), Stockton[MO], Strong, Sweetwater[TN], Tellico Plains[TN], Tilden[TX], Troy[TN], Tulsa[OK] (2), Union City[TN], Vonore[TN], Weiner, White Hall, White House[TN], Wichita[KS] (3) 64 Arkansas State Bank Department RiverBank Pocahontas, AR VOICE: (870) 892-2265 FAX: (870) 892-2264 Trust Powers: Yes CEO/Pres: Kyle Baltz COO: Joyce Radcliff 1700 Old County Road 72455-0397 Charter Number: 796 Date: January 15, 2015 FDIC Certificate Number: 31711 Home Page: www.eriverbank.com Bank Holding Company None Cont: Julie Williams TO: Mark Holt Cash and Due from:...................................... 1,113 Federal Funds and Repos: ........................... 2,300 Investments: ................................................. 5,943 Net Loans: .................................................. 75,437 Premises and Fixed Assets:.......................... 1,532 Other Real Estate: ........................................... 135 Other Assets: ................................................ 3,561 Total Assets: ............................................... 90,021 Total Trust Assets: ........................................ 7,535 Deposits: .................................................... 71,959 Federal Funds and Borrowings: .................... 8,256 Other Liabilities: ............................................... 667 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 80,882 Total Equity Capital: ...................................... 9,139 Total Liabilities and Capital: ........................ 90,021 Number of Shares Outstanding: .................. 11,255 Directors: Jeremy Baltz; Kyle Baltz; Gary Cochran; Terry Davis; James Edington; Joyce Radcliff; Chad Watson Branches in Town: None Other Branches: Corning Home Bank of Arkansas Portland, AR VOICE: (870) 737-2236 FAX: (870) 737-2816 Trust Powers: No 113 Hwy 165 South 71663-0178 Charter Number: 251 Date: January 22, 1908 FDIC Certificate Number: 5629 Home Page: www.homebankofar.com Bank Holding Company Peoples Home Holding, Inc., Greenbrier, AR Chm/CEO: John Stacks EVP: Nick B. Harness Pres: Bruce C. Dawson VP: Treva Branscum Cash and Due from:...................................... 1,721 Federal Funds and Repos: ........................... 4,050 Investments: ................................................. 3,316 Net Loans: .................................................. 56,509 Premises and Fixed Assets:.......................... 3,177 Other Real Estate: ........................................ 2,314 Other Assets: ................................................... 726 Total Assets: ............................................... 71,813 Total Trust Assets: ............................................... 0 Deposits: .................................................... 63,333 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 263 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 63,596 Total Equity Capital: ...................................... 8,217 Total Liabilities and Capital: ........................ 71,813 Number of Shares Outstanding: .................... 4,000 Directors: Joe Benton, III; Roy Montgomery; Pat Murphy; John Stacks; Ryan Stacks Branches in Town: None Other Branches: Damascus, Greenbrier, Little Rock, Marshall One Hundred and Fourth Report 65 Bank of Prescott Prescott, AR VOICE: (870) 887-2688 FAX: (870) 887-6822 Trust Powers: Yes East Second at Main 71857-0490 Charter Number: 162 Date: August 10, 1904 FDIC Certificate Number: 101 Home Page: www.bankofprescott.com Bank Holding Company Prescott Bancshares, Inc., Prescott, AR Chm/CEO/Pres: John Warren Brannan, Jr. Treas/Sec: Karen McLelland EVP: Gary McCauley Cash and Due from: ...................................... 1,386 Federal Funds and Repos: .................................. 0 Investments: ................................................ 25,176 Net Loans:................................................... 38,174 Premises and Fixed Assets: .............................308 Other Real Estate: ............................................... 0 Other Assets: ................................................ 3,406 Total Assets: ............................................... 68,450 Total Trust Assets: .............................................. 0 Deposits: .....................................................58,648 Federal Funds and Borrowings: ......................... 17 Other Liabilities:............................................... 198 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................58,863 Total Equity Capital: ......................................9,587 Total Liabilities and Capital: .........................68,450 Number of Shares Outstanding: ..................24,000 Directors: John Warren Brannan, Jr.; W. Herman Brown; Carl Dalrymple, Jr.; Jason Gutierrez; Billy Hines; Gary McCauley; Larry Rhodes; Robert Smith Branches in Town: None Other Branches: None Gateway Bank Rison, AR VOICE: (870) 325-6251 FAX: (870) 325-7661 Trust Powers: No Chm: Lewis R. Gardner Pres/CEO: Joe Dunn 112 Main Street 71665 Charter Number: 650 Date: March 7, 1932 FDIC Certificate Number: 8730 Home Page: www.gatewaybank.bank Bank Holding Company Sigma Holdings, Inc., Rison, AR VP: Amber Offutt Cash and Due from: ...................................... 6,172 Federal Funds and Repos: ............................2,850 Investments: ..................................................5,528 Net Loans:................................................... 58,332 Premises and Fixed Assets: ..........................2,150 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,798 Total Assets: ............................................... 76,830 Total Trust Assets: .............................................. 0 Deposits: .....................................................68,059 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 148 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................68,207 Total Equity Capital: ......................................8,623 Total Liabilities and Capital: .........................76,830 Number of Shares Outstanding: ....................4,000 Directors: Joe Dunn; Lewis R. Gardner; Ryan Holder; James W. Searcy Branches in Town: None Other Branches: Malvern 66 Arkansas State Bank Department First State Bank Russellville, AR VOICE: (479) 498-2400 FAX: (479) 498-2465 Trust Powers: No 3103 East Main 72802 Charter Number: 663 Date: January 12, 1934 FDIC Certificate Number: 13632 Home Page: www.fsbmybank.com Member of Federal Reserve System Bank Holding Company First State Banking Corporation, Russellville, AR Chm/CEO: Charles Blanchard EVP/CLO: Barton Allen Pres/COO: Chip Blanchard EVP/Sec: Toni B. Laws Cash and Due from:.................................... 20,334 Federal Funds and Repos: .............................. 200 Investments: ............................................... 22,051 Net Loans: ................................................ 196,105 Premises and Fixed Assets:.......................... 5,619 Other Real Estate: ............................................. 11 Other Assets: .............................................. 10,191 Total Assets: ............................................. 254,511 Total Trust Assets: ............................................... 0 Deposits: .................................................. 218,605 Federal Funds and Borrowings: .................... 5,396 Other Liabilities: ............................................... 594 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 224,595 Total Equity Capital: .................................... 29,916 Total Liabilities and Capital: ...................... 254,511 Number of Shares Outstanding: .................. 20,000 Directors: Patty Barker; James C. Biggers; Charles Blanchard; Charles B. "Chip" Blanchard; Terry Freeman; Max L. Mathis, III; Mike Miller; Johnny K. Morgan; C. Tim White; Phil Wright Branches in Town: Four Other Branches: Ola Bank of Salem Salem, AR VOICE: (870) 895-2591 FAX: (870) 895-3825 Trust Powers: No 207 West Church Street 72576-0338 Charter Number: 266 Date: December 9, 1908 FDIC Certificate Number: 11243 Home Page: www.bksalem.net Member of Federal Reserve System Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm/CEO/Pres: Mark Montgomery Cash: Lucinda Bishop SVP: Mike Falco Cash and Due from:.................................... 12,602 Federal Funds and Repos: ........................... 4,215 Investments: ................................................. 3,719 Net Loans: ................................................ 107,738 Premises and Fixed Assets:.......................... 1,829 Other Real Estate: ........................................... 289 Other Assets: ................................................ 7,132 Total Assets: ............................................. 137,524 Total Trust Assets: ............................................... 0 Deposits: .................................................. 121,259 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 476 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 121,735 Total Equity Capital: .................................... 15,789 Total Liabilities and Capital: ...................... 137,524 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 One Hundred and Fourth Report 67 Logan County Bank Scranton, AR VOICE: (479) 938-2511 FAX: (479) 938-7084 Trust Powers: No 600 Main Street 72863-0085 Charter Number: 578 Date: April 7, 1926 FDIC Certificate Number: 5632 Home Page: www.logancountybank.net Bank Holding Company None CEO/Pres: Gary Fritsche VP: Adam Fritsche SVP: Jerry L. Davis Cash and Due from: ...................................... 2,725 Federal Funds and Repos: ...............................650 Investments: ................................................ 46,857 Net Loans:................................................... 31,254 Premises and Fixed Assets: .............................394 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,201 Total Assets: ............................................... 83,081 Total Trust Assets: .............................................. 0 Deposits: .....................................................67,916 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 114 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................68,030 Total Equity Capital: ....................................15,051 Total Liabilities and Capital: .........................83,081 Number of Shares Outstanding: ....................4,000 Directors: Eddie Ahne; Don Fritsche; Gary Fritsche; Ronnie Layes Branches in Town: One Other Branches: Subiaco First Security Bank Searcy, AR VOICE: (501) 279-3400 FAX: (501) 279-3486 Trust Powers: Yes 314 North Spring 72143 Charter Number: 649 Date: February 6, 1932 FDIC Certificate Number: 5633 Home Page: www.fsbank.com Bank Holding Company First Security Bancorp, Searcy, AR Chm/CEO: Reynie Rutledge EVP: J. Mark Ferguson Pres: Michael C. Hutsell TO: Frank Faust Cash and Due from: .................................. 146,897 Federal Funds and Repos: ........................ 256,925 Investments: ........................................... 2,421,231 Net Loans:.............................................. 2,377,206 Premises and Fixed Assets: ...................... 110,898 Other Real Estate: .........................................5,121 Other Assets: ............................................ 145,325 Total Assets: .......................................... 5,463,603 Total Trust Assets: ................................. 1,648,932 Deposits: ................................................ 4,175,798 Federal Funds and Borrowings: .................301,864 Other Liabilities:...........................................11,217 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 4,488,879 Total Equity Capital: ..................................974,724 Total Liabilities and Capital: .................... 5,463,603 Number of Shares Outstanding: ..................24,000 Directors: Dr. David Burks; J. Mark Ferguson; Michael C. Hutsell; Steve Lightle; John McKnight; Wayne Ridout; Dr. Porter R. Rodgers, Jr.; Adam Rutledge; John Rutledge; Nathan Rutledge; Reynie Rutledge; William Scholl; Jim Tarkington; James G. Wilson Branches in Town: Three Other Branches: Beebe (3), Benton (3), Bentonville, Bryant (3), Bull Shoals, Cabot (3), Centerton, Clarksville (3), Clinton, Coal Hill, Conway (5), Farmington, Fayetteville (5), Gassville, Greenbrier, Heber Springs (2), Hot Springs (2), Jonesboro (3), Judsonia, Little Rock (8), Lowell, Maumelle, Mayflower, McRae, Mountain Home (4), Mountain View, North Little Rock (3), Pangburn, Rogers (3), Russellville, Springdale (5), Vilonia 68 Arkansas State Bank Department Peoples Bank Sheridan, AR VOICE: (870) 942-5707 FAX: (870) 942-2489 Trust Powers: No 1120 S. Rock Street 72150 Charter Number: 786 Date: September 11, 2000 FDIC Certificate Number: 57058 Home Page: www.peoplesbankar.com Member of Federal Reserve System Bank Holding Company Peoples Bancorp, Inc., Sheridan, AR CEO/Pres: Craig L. Manatt SVP: G. Jannette Jones Cash and Due from:.................................... 21,864 Federal Funds and Repos: .............................. 200 Investments: ............................................... 59,385 Net Loans: .................................................. 69,752 Premises and Fixed Assets:.......................... 2,226 Other Real Estate: ............................................... 0 Other Assets: ................................................ 4,346 Total Assets: ............................................. 157,773 Total Trust Assets: ............................................... 0 Deposits: .................................................. 136,359 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 345 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 136,704 Total Equity Capital: .................................... 21,069 Total Liabilities and Capital: ...................... 157,773 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 Branches in Town: None Other Branches: Little Rock Smackover State Bank Smackover, AR VOICE: (870) 725-3051 FAX: (870) 725-3049 Trust Powers: Yes 708 North Broadway 71762-0107 Charter Number: 600 Date: April 18, 1928 FDIC Certificate Number: 5623 Home Page: www.smackoverbank.com Bank Holding Company Smackover Bancshares, Inc., Smackover, AR Chm: J. Drew Tennyson CEO/Pres: James B. Yeager Cash and Due from:.................................... 13,012 Federal Funds and Repos: ........................... 1,225 Investments: ............................................. 100,821 Net Loans: .................................................. 63,191 Premises and Fixed Assets:.......................... 2,146 Other Real Estate: ............................................. 61 Other Assets: ................................................ 1,701 Total Assets: ............................................. 182,157 Total Trust Assets: ............................................... 0 Deposits: .................................................. 159,407 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 274 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 159,681 Total Equity Capital: .................................... 22,476 Total Liabilities and Capital: ...................... 182,157 Number of Shares Outstanding: ................ 100,000 Directors: Dr. Richard Davis; Gary deYampert; Charles J. Foot; Charles L. Tennyson; J. Drew Tennyson; James B. Yeager Branches in Town: None Other Branches: El Dorado (2), Norphlet One Hundred and Fourth Report 69 Riverside Bank Sparkman, AR VOICE: (870) 678-2251 FAX: (870) 678-2401 Trust Powers: No Commerce & Main Streets 71763-0127 Charter Number: 457 Date: September 19, 1916 FDIC Certificate Number: 93 Home Page: www.riversidebank.com Bank Holding Company Riverside Bancshares, Inc., Little Rock, AR CEO/VChm: Stephen C. Davis Pres: Robert G. Dudley, Jr. Cash and Due from: ...................................... 1,171 Federal Funds and Repos: ...............................775 Investments: ..................................................1,000 Net Loans:................................................... 54,397 Premises and Fixed Assets: ..........................2,465 Other Real Estate: ..............................................15 Other Assets: ................................................ 2,166 Total Assets: ............................................... 61,989 Total Trust Assets: .............................................. 0 Deposits: .....................................................52,493 Federal Funds and Borrowings: .....................4,250 Other Liabilities:................................................. 38 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................56,781 Total Equity Capital: ......................................5,208 Total Liabilities and Capital: .........................61,989 Number of Shares Outstanding: ....................3,000 Directors: Stephen C. Davis; Robert G. Dudley, Jr.; Charles T. Gaston; David Matchet; Donny White Branches in Town: None Other Branches: Little Rock United Bank Springdale, AR VOICE: (479) 756-8811 FAX: (866) 897-2839 Trust Powers: Yes 2600 South Thompson Street Charter Number: 794 72764-6354 Date: June 11, 2014 FDIC Certificate Number: 32025 Home Page: www.united-bk.com Member of Federal Reserve System Bank Holding Company United Holding Company, Inc., Springdale, AR CEO/Pres: Nathan Gairhan SVP/CLO: Luke Colley SVP/CFO: Paige Mulhollan Cash and Due from: .................................... 15,513 Federal Funds and Repos: ...............................675 Investments: ..................................................5,383 Net Loans:................................................. 156,144 Premises and Fixed Assets: ..........................8,323 Other Real Estate: ..............................................53 Other Assets: ................................................ 2,276 Total Assets: ............................................. 188,367 Total Trust Assets: .............................................. 0 Deposits: ...................................................146,548 Federal Funds and Borrowings: ...................17,838 Other Liabilities:.............................................1,015 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 165,401 Total Equity Capital: ....................................22,966 Total Liabilities and Capital: .......................188,367 Number of Shares Outstanding: ................100,000 Directors: John Ervin; Nathan Gairhan; Michele Harrington; Nick Hobbs; Darrin Pitts; Don Pitts; John Scott; Craig Young Branches in Town: One Other Branches: Fayetteville, Rogers 70 Arkansas State Bank Department Bodcaw Bank Stamps, AR VOICE: (870) 533-4486 FAX: (870) 533-4456 Trust Powers: No CEO/Pres: Korey Keith EVP: Gina Gore 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 EVP: Jeff White AVP: Linda Pipkin Cash and Due from:...................................... 4,867 Federal Funds and Repos: ........................... 4,300 Investments: ............................................... 32,296 Net Loans: .................................................. 40,114 Premises and Fixed Assets:............................. 415 Other Real Estate: ............................................. 97 Other Assets: ................................................... 749 Total Assets: ............................................... 82,838 Total Trust Assets: ............................................... 0 Deposits: .................................................... 74,563 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 184 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 74,747 Total Equity Capital: ...................................... 8,091 Total Liabilities and Capital: ........................ 82,838 Number of Shares Outstanding: .................. 10,000 Directors: James T. Alford; D. Copie Dickson; Korey Keith; Danny K. Smith; John W. Smith, Jr. Branches in Town: None Other Branches: None Bank of Star City Star City, AR VOICE: (870) 628-4286 FAX: (870) 628-5274 Trust Powers: No 116 North Lincoln 71667-0069 Charter Number: 567 Date: April 27, 1925 FDIC Certificate Number: 5634 Home Page: www.bankofstarcity.com Member of Federal Reserve System Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Marion Burge Ryburn Pres: R. Mark Owen Cash and Due from:...................................... 1,598 Federal Funds and Repos: .................................. 0 Investments: ............................................... 20,685 Net Loans: .................................................. 68,277 Premises and Fixed Assets:.......................... 2,884 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,225 Total Assets: ............................................... 94,669 Total Trust Assets: ............................................... 0 Deposits: .................................................... 74,715 Federal Funds and Borrowings: .................... 5,621 Other Liabilities: ............................................... 139 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 80,475 Total Equity Capital: .................................... 14,194 Total Liabilities and Capital: ........................ 94,669 Number of Shares Outstanding: .................. 15,000 Directors: Keith D. Griffin; R. Mark Owen; Marion Ryburn; Kevin White; Barry Wood Branches in Town: None Other Branches: Dumas, Pine Bluff (2), White Hall One Hundred and Fourth Report 71 Security Bank Stephens, AR VOICE: (870) 786-5416 FAX: (870) 786-5419 Trust Powers: No 105 Ruby Street 71764-0007 Charter Number: 692 Date: February 8, 1946 FDIC Certificate Number: 16395 Home Page: www.secbnk.com Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm: Carol Reaves EVP/CFO/COO: Cheryl Brown CEO/Pres: Guy R. "Buck" Smith Cash and Due from: ...................................... 3,786 Federal Funds and Repos: ...............................150 Investments: ..................................................5,235 Net Loans:................................................... 55,469 Premises and Fixed Assets: ..........................1,654 Other Real Estate: ............................................357 Other Assets: ................................................ 2,333 Total Assets: ............................................... 68,984 Total Trust Assets: .............................................. 0 Deposits: .....................................................61,862 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................1,259 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................63,121 Total Equity Capital: ......................................5,863 Total Liabilities and Capital: .........................68,984 Number of Shares Outstanding: ..................11,000 Directors: Duncan Grayson; Carol Reaves; Guy R. "Buck" Smith Branches in Town: None Other Branches: None The Farmers and Merchants Bank Stuttgart, AR VOICE: (870) 673-6911 FAX: (870) 672-4282 Trust Powers: Yes 708 S. Main Street 72160-1016 Charter Number: 687 Date: December 29, 1944 FDIC Certificate Number: 16216 Home Page: www.mebanking.com Member of Federal Reserve System Bank Holding Company The Farmers and Merchants Bankshares, Inc., Stuttgart, AR Chm: Mickey Pierce VChm: Robert Seidenstricker CEO/Pres: Gary Hudson Cash and Due from: .................................... 24,227 Federal Funds and Repos: ...............................367 Investments: .............................................. 226,642 Net Loans:................................................. 716,602 Premises and Fixed Assets: ........................ 14,732 Other Real Estate: .........................................2,567 Other Assets: .............................................. 81,001 Total Assets: .......................................... 1,066,138 Total Trust Assets: .................................... 145,652 Deposits: ...................................................754,177 Federal Funds and Borrowings: .................169,709 Other Liabilities:.............................................7,571 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 931,457 Total Equity Capital: ..................................134,681 Total Liabilities and Capital: .................... 1,066,138 Number of Shares Outstanding: ................100,000 Directors: Gerald Carter; Bradley A. Chambless; Greg Connell; Gary Hudson; Kyle Ludwig; Dr. Chris Morgan; Don Pattillo; Mickey Pierce; Robert H. Pond; Patricia Townsend; Ray Vester Branches in Town: Four Other Branches: Des Arc, DeWitt, Farmington, Fayetteville (5), Hazen, Marianna, Morrilton, Perryville, Prairie Grove, West Fork 72 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:.................................... 18,099 Federal Funds and Repos: .................................. 0 Investments: ............................................. 130,054 Net Loans: ................................................ 233,941 Premises and Fixed Assets:.......................... 4,583 Other Real Estate: ............................................. 12 Other Assets: .............................................. 12,077 Total Assets: ............................................. 398,766 Total Trust Assets: ...................................... 12,007 Deposits: .................................................. 344,323 Federal Funds and Borrowings: .................... 4,014 Other Liabilities: ............................................ 1,550 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 349,887 Total Equity Capital: .................................... 48,879 Total Liabilities and Capital: ...................... 398,766 Number of Shares Outstanding: .................. 16,000 Directors: J. Kevin Bell; Mont S. Echols, Jr.; Morril H. Harriman; D. Keith Hefner; L. Scott McBrayer; Brett D. Peters; Paul D. Shirley; Jeremy S. Simon; William W. Thomas; James G. Williamson, Jr. Branches in Town: Three Other Branches: Alma, Cedarville, Mountainburg First State Bank of Warren Warren, AR VOICE: (870) 226-2601 FAX: (870) 226-2253 Trust Powers: Yes 104 S. Main Street 71671-0029 Charter Number: 739 Date: December 12, 1978 FDIC Certificate Number: 94 Home Page: www.firststatewarren.com Member of Federal Reserve System Bank Holding Company Bradley Bancshares, Inc., Warren, AR Pres: Freddie M. Mobley EVP/TO: Hugh Quimby Cash and Due from:...................................... 4,629 Federal Funds and Repos: .................................. 0 Investments: ............................................... 55,923 Net Loans: .................................................. 46,135 Premises and Fixed Assets:............................. 956 Other Real Estate: ........................................... 346 Other Assets: ................................................ 3,217 Total Assets: ............................................. 111,206 Total Trust Assets: ........................................... 283 Deposits: .................................................... 98,986 Federal Funds and Borrowings: .................... 1,000 Other Liabilities: ............................................... 308 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 100,294 Total Equity Capital: .................................... 10,912 Total Liabilities and Capital: ...................... 111,206 Number of Shares Outstanding: .................. 59,000 Directors: Robert Garner; Roger George; Robert Green, Jr.; Freddie M. Mobley; Hugh A. Quimby; Bennie Ryburn, III; Ray Ryburn; Dr. Joe H. Wharton Branches in Town: One Other Branches: Hampton, Hermitage One Hundred and Fourth Report 73 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: ...................................... 4,465 Federal Funds and Repos: ............................4,300 Investments: ................................................ 66,069 Net Loans:................................................... 46,659 Premises and Fixed Assets: .............................542 Other Real Estate: ............................................146 Other Assets: ................................................ 1,189 Total Assets: ............................................. 123,370 Total Trust Assets: ...................................... 21,502 Deposits: .....................................................99,386 Federal Funds and Borrowings: .....................4,366 Other Liabilities:............................................... 129 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 103,881 Total Equity Capital: ....................................19,489 Total Liabilities and Capital: .......................123,370 Number of Shares Outstanding: ..................48,000 Directors: 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: Mark Mosteller CEO/Pres: Scott Stafford Cash and Due from: .................................... 16,127 Federal Funds and Repos: .................................. 0 Investments: ................................................ 19,521 Net Loans:................................................. 407,932 Premises and Fixed Assets: ..........................8,084 Other Real Estate: .........................................2,336 Other Assets: .............................................. 19,025 Total Assets: ............................................. 473,025 Total Trust Assets: ................................. 1,025,036 Deposits: ...................................................369,538 Federal Funds and Borrowings: ...................54,000 Other Liabilities:.............................................8,981 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 432,519 Total Equity Capital: ....................................40,506 Total Liabilities and Capital: .......................473,025 Number of Shares Outstanding: ..................68,286 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 74 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 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:...................................... 7,238 Federal Funds and Repos: ................................ 50 Investments: ............................................... 10,522 Net Loans: ................................................ 202,659 Premises and Fixed Assets:.......................... 6,912 Other Real Estate: ........................................... 995 Other Assets: ................................................ 8,036 Total Assets: ............................................. 236,412 Total Trust Assets: ...................................... 12,354 Deposits: .................................................. 202,913 Federal Funds and Borrowings: .................... 2,604 Other Liabilities: ............................................... 315 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 205,832 Total Equity Capital: .................................... 30,580 Total Liabilities and Capital: ...................... 236,412 Number of Shares Outstanding: .................... 4,000 Directors: Dr. Willard G. Burks; Ronald R. Caldwell; Guy E. Fisher; Pete L. Imboden, III; Kenneth L. Johnson, Jr.; R. Vance Lawson; Thomas W. Morgan, Jr.; Roger E. Pohlner; Donald L. Reddmann; R. Joe Rennicke Branches in Town: One Other Branches: Blytheville, Brinkley, Cherry Valley, Hickory Ridge, Jonesboro, Manila, Osceola REPORT OF THE STATE CHARTERED NON-PROFIT ORGANIZATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2018 76 Arkansas State Bank Department Arkansas Capital Corporation Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Trust Powers: No Chm: Kevin Burns CEO: Rush B. Deacon 200 River Market Avenue, Suite 400 72201-1766 Charter Number: 2000 Date: May 2, 2017 County: Pulaski Home Page: www.arcapital.com Bank Holding Company None VChm: Brad Chambless Pres/COO: Sam Walls, III Cash and Due from:...................................... 1,217 Federal Funds and Repos: .................................. 0 Investments: ................................................. 8,733 Net Loans: .................................................. 24,764 Premises and Fixed Assets:............................. 655 Other Real Estate: ........................................... 156 Other Assets: ................................................ 2,813 Total Assets: ............................................... 38,338 Total Trust Assets: ............................................... 0 Deposits: ............................................................. 0 Federal Funds and Borrowings: .................. 24,619 Other Liabilities: ............................................... 416 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 25,035 Total Equity Capital: .................................... 13,303 Total Liabilities and Capital: ........................ 38,338 Number of Shares Outstanding: .................... 1,027 Directors: Jeff Amerine; Kevin Burns; Charles Cervantes; Brad Chambless; Dennis Cooper; Rush Deacon; Karen Marine; Sandra Massey; Virgil L. Miller, Jr.; Martha Moore; Carroll Penick; Bryan Scoggins; Frank D. Scott, Jr.; David H. Shindler; William T. Staed; Boon W. Tan Branches in Town: None Other Branches: None REPORT OF THE STATE CHARTERED TRUST COMPANY (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2018 78 Arkansas State Bank Department Community First Trust Company Hot Springs, AR VOICE: (501) 520-3660 FAX: (501) 520-3667 Population: 35,750 135 Section Line Road, C-1 71913 Charter Number: 35001 Date: Jun. 17, 1998 County: Garland Home Page: www.communityfirsttrust.com CEO/Pres: William L. Kerst, Jr. CFO: Leslie A. Ballentine Directors: Charlotte Arnold, CPA; Robert J. Bruce; Mark Buhrow; Gerald A. Burgener; David French; William L. Kerst, Jr.; C. Tim White Branches in Town: None Other Branches: El Dorado, Hot Springs Village, Little Rock, Russellville REPORT OF THE REGIONAL/COUNTY INDUSTRIAL DEVELOPMENT CORPORATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2018 Arkansas State Bank Department 80 Perry County Industrial Development Corporation Perryville, AR VOICE: (501) 889-2621 FAX: (501) 889-2966 Pres: Mark Roland VP: Donald C. Crain P. O. Box 869 72126-0869 Charter Number: 30003 Date: Aug. 18, 1994 County: Perry Treas: John C. Branscum ALL COMMERCIAL BANKS HEADQUARTERED IN ARKANSAS, LISTED BY COUNTY AND A MAP IDENTIFYING ALL OF THE STATE’S 75 COUNTIES JUNE 30, 2018 Arkansas State Bank Department 82 COUNTY BANK CITY Arkansas Arkansas County Bank DeWitt Bank And Trust Company The Farmers and Merchants Bank DeWitt DeWitt Stuttgart Ashley First National Bank of Crossett First State Bank Home Bank of Arkansas Crossett Crossett Portland Baxter Integrity First Bank, National Association Benton Bank of Gravett Bradley First State Bank of Warren Warren Bank and Trust Company Calhoun Generations Bank Carroll First National Bank of North Arkansas Cornerstone Bank Anstaff Bank Chicot The Bank of Lake Village Lake Village Clark Southern Bancorp Bank Arkadelphia Clay Piggott State Bank Cleveland Gateway Bank Columbia Farmers Bank and Trust Company The Peoples Bank Magnolia Magnolia Conway Petit Jean State Bank Morrilton Crawford Citizens Bank & Trust Company Crittenden First Community Bank of Eastern Arkansas Evolve Bank & Trust Fidelity National Bank Cross Cross County Bank The First National Bank of Wynne Dallas FBT Bank & Mortgage Riverside Bank Mountain Home Gravette Warren Warren Hampton Berryville Eureka Springs Green Forest Piggott Rison Van Buren Marion West Memphis West Memphis Wynne Wynne Fordyce Sparkman One Hundred and Fourth Report 83 COUNTY BANK CITY Desha Merchants & Farmers Bank First NaturalState Bank McGehee Bank Dumas McGehee McGehee Drew Commercial Bank & Trust Company Union Bank And Trust Company Monticello Monticello Faulkner Centennial Bank First Service Bank Conway Greenbrier Fulton Bank of Salem Grant Peoples Bank Greene First National Bank Hot Spring The Malvern National Bank Independence First Community Bank The Citizens Bank Izard The First National Bank of Izard County Jackson Merchants & Planters Bank Jefferson Relyance Bank, National Association Simmons Bank Lafayette Community State Bank Bodcaw Bank Lawrence The First National Bank of Lawrence County Lincoln Bank of Star City Logan First Western Bank The First National Bank at Paris Logan County Bank Lonoke Bank of England First State Bank Madison Today’s Bank Huntsville Mississippi Farmers Bank and Trust Company Blytheville Salem Sheridan Paragould Malvern Batesville Batesville Calico Rock Newport Pine Bluff Pine Bluff Bradley Stamps Walnut Ridge Star City Booneville Paris Scranton England Lonoke Arkansas State Bank Department 84 COUNTY BANK CITY Monroe The Merchants and Planters Bank 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 First Delta Bank Marked Tree Polk The Union Bank of Mena Pope First State Bank Pulaski First Arkansas Bank & Trust Bank of Little Rock Bank of the Ozarks Central Bank Eagle Bank & Trust Company One Bank & Trust, National Association The Capital Bank Jacksonville 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 Sevier First State Bank of DeQueen Horatio State Bank DeQueen Horatio Sharp FNBC Bank Bank of Cave City Ash Flat Cave City St. Francis Armor Bank First National Bank of Eastern Arkansas Stone Stone Bank Union First Financial Bank Smackover State Bank Clarendon Helena - West Helena Mena Russellville Forrest City Forrest City Mountain View El Dorado Smackover One Hundred and Fourth Report COUNTY BANK Washington Arvest Bank Signature Bank of Arkansas Legacy National Bank United Bank White First Security Bank Woodruff RiverWind Bank Yell Chambers Bank River Town Bank 85 CITY Fayetteville Fayetteville Springdale Springdale Searcy Augusta Danville Dardanelle 86 Arkansas State Bank Department MAP OF ARKANSAS COUNTIES ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2018 Arkansas State Bank Department 88 FNBC Bancorp Inc. Ash Flat, AR RSSD Number: 1099690 VOICE: (870) 994-2311 FAX: (870) 257-1889 636 Ash Flat Drive P. O. Box 8 72513 CEO/Pres: Martin Carpenter VP: Marty Sellars Sec: Terri French Sec: Morris Street Subsidiaries: FNBC Bank FNBC Capital Trust I Ash Flat, AR Ash Flat, AR Citizens Bancshares of Batesville, Inc. Batesville, AR RSSD Number: 1131077 VOICE: (870) 793-4441 FAX: (870) 698-6299 200 South Third Street P. O. Box 2156 72503-2156 CEO: Phil Baldwin EVP/CFO: Karen Shaw Subsidiaries: The Citizens Bank Citizens Bancshares (AR) Statutory Trust I Batesville, AR Batesville, AR First Community Bancshares, Inc. Batesville, AR RSSD Number: 2641694 VOICE: (870) 612-3400 FAX: (870) 612-3412 Chm/CEO/Pres: Dale E. Cole EVP: Boris A. Dover Subsidiaries: First Community Bank Batesville Insurance Agency, Inc. Community Business Resources, LLC WR Holding Co., LLC 1325 Harrison Street P. O. Box 4327 72501-4327 CFO: Jason Taylor Sec: Dianne Lamberth Batesville, AR Batesville, AR Batesville, AR Batesville, AR One Hundred and Fourth Report 89 Bearden Bancshares, Inc. Bearden, AR RSSD Number: 2993722 VOICE: (870) 687-2233 FAX: (870) 687-2474 1 Second Street P. O. Box 135 71720-0135 Pres: Rick Green Sec: Ken Riley Subsidiaries: Bank of Bearden BBI Insurance Agency, Inc. Bearden, AR Bearden, AR Arvest Bank Group, Inc. Bentonville, AR RSSD Number: 1095674 VOICE: (479) 464-1500 FAX: (479) 464-1540 Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Holdings, Inc. Arvest Bank Arvest Central Mortgage Company ABREHB, LLC Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. RHV, LLC RHV2, LLC First Place on the Creeks, LLC WACO Title Company ABR Investments, Inc. D 3 Technology, Inc. Security Bankcard Center, Inc. Southwest Cattlemen's Corporation Superior Finance Company NBC Capital Trust I NBC Capital Trust II Superior Financial Statutory Trust II CFB Aviation, LLC AREH LLC Land Title Insurance Corporation 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 Joplin, MO Omaha, NE Norman, OK Tulsa, OK Tulsa, OK North Little Rock, AR North Little Rock, AR Hartford, CT Bentonville, AR Lowell, AR Denver, CO Hartford, CT 90 Arkansas State Bank Department Arvest Holdings, Inc. Bentonville, AR RSSD Number: 1845673 VOICE: (479) 464-1500 FAX: (479) 464-1540 110 NW 2nd Street, Suite 300 P. O. Box 1860 72712 Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Bank Arvest Central Mortgage Company ABREHB, LLC Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. RHV, LLC RHV2, LLC First Place on the Creeks, LLC WACO Title Company ABR Investments, Inc. D 3 Technology, Inc. Security Bankcard Center, Inc. Southwest Cattlemen's Corporation Superior Finance Company 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 Joplin, 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/Pres: Randy Scott Subsidiaries: Farmers Bank And Trust Company 400 West Main Street P. O. Box 688 72316-0688 VChm: Steve Bell Blytheville, AR One Hundred and Fourth Report 91 First Western Bancshares ESOT Booneville, AR RSSD Number: 2628994 VOICE: (479) 675-0369 FAX: (479) 675-0751 80 West Main P. O. Box 87 72927-0087 Chm: Ty Hampton Subsidiaries: First Western Bancshares, Inc. First Western Bank First Western Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Statutory Trust II First Western Statutory Trust III Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR First Western Bancshares, Inc. Booneville, AR RSSD Number: 1100091 VOICE: (479) 675-0369 FAX: (479) 675-0751 80 West Main P. O. Box 87 72927-0087 Bank Holding Company First Western Bancshares ESOT, Booneville, AR Chm/CEO: John T. Hampton Subsidiaries: First Western Bank First Western Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Statutory Trust II First Western Statutory Trust III VP/Sec: Debbie Danekas Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Arkansas State Bank Department 92 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: Generations Bank Hampton, AR Sharp Bancshares, Inc. Cave City, AR RSSD Number: 1099663 VOICE: (870) 283-5301 FAX: (870) 283-6466 137 South Main P. O. Box 490 72521-0490 Chm: Samuel F. Beller CEO/Pres: John Beller VChm: Bruce Street CFO: Dennis Esteb Subsidiaries: Bank of Cave City Cave City Properties, Inc. Cave City, AR Cave City, AR Clarendon Holding Co. Clarendon, AR RSSD Number: 1099252 VOICE: (870) 747-3319 FAX: (870) 747-3498 Chm: J. Baxter Sharp, III Subsidiaries: The Merchants and Planters Bank 297 Madison P. O. Box 280 72029-0280 CEO/Pres: J. Kendall Henry Clarendon, AR One Hundred and Fourth Report 93 Home BancShares, Inc. Conway, AR RSSD Number: 1491409 VOICE: (501) 328-4663 FAX: (501) 328-4679 719 Harkrider Street, Suite 100 P. O. Box 966 72032 Chm: John W. Allison CEO: C. Randall Sims CFO: Brian Davis COO: Stephen Tipton Subsidiaries: Centennial Bank Centennial Insurance Agency, Inc. Boomer Air LLC Freedom Insurance Group, Inc. Cook Insurance Agency, Inc. Regent Bank Project Finance, Inc. Centennial AL Holdings, Inc. Centennial (AR) Statutory Trust I Liberty Statutory Trust 1 Liberty Statutory Trust II Regent Capital Trust II Regent Capital Trust III Russellville Statutory Trust I Conway, AR Cabot, AR Conway, AR Jonesboro, AR Apalachicola, FL Davie, FL New York, NY Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Evergreen Bancshares, Inc. Crossett, AR RSSD Number: 1134797 VOICE: (870) 364-5131 FAX: (870) 364-6329 Chm: Richard E. Griffin Subsidiaries: First State Bank 200 Pine Street P. O. Box 638 71635-0638 CEO/Pres: Howard M. Beaty, Jr. Crossett, AR Arkansas State Bank Department 94 Chambers Bancshares, Inc. Danville, AR RSSD Number: 1141487 VOICE: (479) 495-4680 FAX: (479) 495-4681 105 East 9th Street P. O. Box 1330 72833-1330 Chm/CEO/Pres: John Ed Chambers, III SVP: Mike Donnell CFO: Landi Mkhize Subsidiaries: Chambers Bank Sloan Capital Trust I Danville, AR Danville, AR Bank of Dardanelle Bankshares, Inc. Dardanelle, AR RSSD Number: 1134546 VOICE: (479) 229-3311 FAX: (479) 229-4180 102 North Front Street P. O. Box 577 72834-0577 CEO: Dee Abrams Subsidiaries: River Town Bank Dardanelle, AR First State Bancshares, Inc. DeQueen, AR RSSD Number: 2032724 VOICE: (870) 642-4423 FAX: (870) 642-2847 Chm: Dennis Smiley Subsidiaries: First State Bank of DeQueen First State Insurance of DeQueen Inc. First State DeQueen Statutory Trust I 402 West Collin Raye Drive P. O. Box 970 71832-0970 CEO/Pres: Gary L. Golden DeQueen, AR DeQueen, AR Wilmington, DE One Hundred and Fourth Report 95 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: Eddie Lumsden 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: Lester A. McKinley Sec: Warren A. Jennings, Jr. Subsidiaries: Arkansas County Bank DeWitt, AR M & F Financial Corporation Dumas, AR RSSD Number: 1099506 VOICE: (870) 382-4311 FAX: (870) 382-5901 Chm/CEO: L. Ashton Adcock Pres: J. Michael Jones Subsidiaries: Merchants & Farmers Bank 500 Highway 65 South P. O. Box 187 71639-0187 Treas/Sec: Betty B. Trites Dumas, AR Arkansas State Bank Department 96 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 EVP/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 LLLP England, AR RSSD Number: 2795083 VOICE: (501) 842-2555 FAX: (501) 842-2422 123 South Main Street P. O. Box 70 72046 Chm/CEO/Pres: Gary Canada Subsidiaries: Canada Bancshares, Inc. Bank of England BOE Acquisition Company, Inc. BOE Mortgage, LLC BOE Leasing, LLC England, AR England, AR England, AR England, AR Little Rock, AR Canada Bancshares, Inc. England, AR RSSD Number: 5081385 VOICE: (501) 842-2555 FAX: (501) 842-2422 123 South Main Street 72046 Bank Holding Company MHBC Investments Limited Partnership, I LLLP, England, AR Chm/CEO/Pres: Gary Canada Subsidiaries: Bank of England BOE Acquisition Company, Inc. BOE Mortgage, LLC BOE Leasing, LLC England, AR England, AR England, AR Little Rock, AR One Hundred and Fourth Report 97 Eureka Bancshares, Inc. Eureka Springs, AR RSSD Number: 2941769 VOICE: (479) 253-3000 FAX: (479) 253-3004 70 South Main P. O. Box 309 72632-0309 Chm/CEO/Pres: John F. Cross VChm: Lewis E. Epley, Jr. Sec: Charles T. Cross Subsidiaries: Cornerstone Bank Eureka Springs, AR White River Bancshares Company Fayetteville, AR RSSD Number: 3306589 VOICE: (479) 684-3700 FAX: (479) 684-3795 3878 N. Crossover Road, Suite 20 P. O. Box 8550 72703 Chm/CEO/Pres: Gary R. Head CAO: Brant Ward CFO: Russell W. Nugent, Jr. 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/Sec: Suzette Crutchfield Subsidiaries: FBT Bank & Mortgage 200 West 4th Street 71742-2202 SVP: Janie Daniell SVP: David Sisson Fordyce, AR Arkansas State Bank Department 98 Forrest City Financial Corporation Forrest City, AR RSSD Number: 2501305 VOICE: (870) 633-1525 FAX: (870) 633-8212 715 North Washington Street 72335 Bank Holding Company Big Creek Bancshares, Inc., Moro, AR Chm/CEO/Pres: Mark Waldrip VP: Nathan M. Waldrip Treas: Stephen W. Edwards, Sr. Subsidiaries: Armor Bank Forrest City, AR First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (479) 782-2041 FAX: (479) 788-4602 Chm: Mont S. Echols, Jr. CEO/Pres: Sam T. Sicard Subsidiaries: The First National Bank of Fort Smith Special L P, LLC Citizens Bank & Trust Company PMF, Inc. V B Senior Housing Limited Partnership BHC Insurance FBC Acquisition, Inc. First Asset Holdings, LLC Placid Hills Limited Partnership Placid Hills Managment, LLC Realty Appraisals, Inc. BHC Insurance of Oklahoma 602 Garrison Avenue P. O. Box 7 72902-0007 VP: James G. Williamson, Jr. Fort Smith, AR Fort Smith, AR Van Buren, AR Van Buren, AR Van Buren, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Sallisaw, OK One Hundred and Fourth Report 99 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 VChm: Mac McClanahan CFO: Laura Habighorst Subsidiaries: Diamond Bank Murfreesboro, AR Gravett Bancshares, Inc. Gravette, AR RSSD Number: 3143953 VOICE: (479) 787-5251 FAX: (479) 787-6102 211 SE Main Street P. O. Box 149 72736-0149 Chm/VP: Jim A. Edmondson Pres: Richard T. Pollreis Sec: Lynn F. Cowick Subsidiaries: Bank of Gravett Gravette, AR First National Bancorp, Inc. Green Forest, AR RSSD Number: 2619349 VOICE: (870) 438-5214 FAX: (870) 438-5412 Chm/Pres: Stephen Stafford SVP: Shelby Bruffett Subsidiaries: Anstaff Bank 100 First National Avenue P. O. Box 1900 72638 Sec: L. Scott Stafford Green Forest, AR Arkansas State Bank Department 100 First Service Bancshares, Inc. Greenbrier, AR RSSD Number: 1137266 VOICE: (501) 679-7200 FAX: (501) 764-4260 136 South Broadview P. O. Box 190 72058-0430 Chm/CEO/Pres: Thomas H. Grumbles Treas/Sec: Kenneth Barnard Subsidiaries: First Service Bank First Service Realty Greenbrier, AR Greenbrier, AR Peoples Home Holding, Inc. Greenbrier, AR RSSD Number: 3029196 VOICE: (501) 679-7283 FAX: (501) 679-7745 Chm/Pres: John Stacks VChm: Joe Benton 67 South Broadview Street P. O. Box 307 72058 Sec: Roy Montgomery Subsidiaries: Home Bank of Arkansas HomeBank Insurance Agency Portland, AR Greenbrier, AR Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (479) 996-4171 FAX: (479) 996-6700 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 Fourth Report 101 Pioneer Bancshares, Inc. of Horatio, Arkansas Horatio, AR RSSD Number: 1139091 VOICE: (870) 832-2501 FAX: (870) 832-2577 123 Main Street P. O. Box 347 71842-0347 Chm/CEO/Pres: Carl E. Hendrix, III VP: Todd B. Trimble Treas/Sec: Michael B. Griffin Subsidiaries: Horatio State Bank Horatio, AR Smith Associated Banking Corporation Hot Springs, AR RSSD Number: 1098004 VOICE: (501) 623-4292 FAX: (501) 624-7187 1801 Central Avenue, Suite D 71901 Chm/CEO: G. R. Buck Smith Subsidiaries: Bank of Salem SABCO Insurance, Inc. Security Bank Ouachita Properties Inc. Salem, AR Salem, AR Stephens, AR Stephens, AR First Arkansas BancShares, Inc. Jacksonville, AR RSSD Number: 1096550 VOICE: (501) 982-4511 FAX: (501) 982-5769 Chm/CEO/Pres: Larry T. Wilson Subsidiaries: First Arkansas Bank & Trust First Arkansas Statutory Trust I 600 West Main Street P. O. Box 827 72078-0827 SVP/CFO: Kim Cullum Jacksonville, AR Jacksonville, AR Arkansas State Bank Department 102 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: Franklin Todd Turner COO: Shannon M. Hill Subsidiaries: The Bank of Lake Village BLV Realty, Inc. Jefferson Ag Credit The Jefferson Agency The Jefferson Bank Lake Village, AR Lake Village, AR Greenville, MS Greenville, MS Greenville, MS Allcorp, Inc. Little Rock, AR RSSD Number: 4152877 VOICE: (501) 680-3808 FAX: N/A Chm/CEO: Lex Golden, III 2204 North Spruce 72207 Pres: Alex Golden Subsidiaries: Community State Bank Bradley, AR Capital Bancshares, Inc. Little Rock, AR RSSD Number: 2777016 VOICE: (501) 228-6000 FAX: (501) 228-6006 Chm: Warren Stephenson Pres: Troy Duke Subsidiaries: The Capital Bank 12224 Chenal Parkway P. O. Box 8210 72211 COO: Heather Drew Little Rock, AR One Hundred and Fourth Report 103 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: Kim Markland SVP/Cash: Lee A. Swearingen 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 1001 W. Markham, 2nd Floor 72201 Pres: Stephen C. Davis Sec: David Matchet Subsidiaries: Riverside Bank Arkansas Mortgage Company, Inc. Riverside Mortgage Company, Inc. Sparkman, AR Fayetteville, AR Little Rock, AR Southern Bancorp Inc. Little Rock, AR RSSD Number: 1248939 VOICE: (501) 850-8969 FAX: (501) 537-1193 Chm: Glen Jones CEO: Darrin Williams Subsidiaries: Southern Bancorp Bank Southern Bancorp Investment Fund I, LLC Southern Landlord LLC Creekside Holdings LLC Southern Bancorp Statutory Trust IV Southern Development Capital Trust Southern Development Statutory Trust III Southern Property Corporation of the Delta SBI Acquisition, Inc. 8924 Kanis Road 72205 CFO: Christopher Wewers Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Madison, MS Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Madison, MS Arkansas State Bank Department 104 State Holding Company Little Rock, AR RSSD Number: 1100046 VOICE: (501) 223-3450 FAX: (501) 223-8008 650 South Shackleford, Suite 450 72211 Chm/CEO/Pres: Catherine H. Owen EVP: Laura Bogoslavsky EVP: Paul Castleberry Subsidiaries: Eagle Bank & Trust Company Eagle Development Company South State Mortgage Company Little Rock, AR Little Rock, AR Little Rock, AR Lonoke Bancshares, Inc. Lonoke, AR RSSD Number: 1491614 VOICE: (501) 676-3106 FAX: (501) 676-5046 Chm: Neil Bennett, Jr. 101 South Center Street P. O. Box 320 72086-0320 Sec: Karen Hardke Subsidiaries: First State Bank First State Land Co., Inc. Lonoke Statutory Trust I Lonoke Statutory Trust II Lonoke, AR Lonoke, AR Lonoke, AR Lonoke, AR Golden Oaks Bancshares, Inc. Magnolia, AR RSSD Number: 1098684 VOICE: (870) 234-5777 FAX: (870) 234-3384 Chm: Steven Clark Fincher Pres: Mary L. Fowler Subsidiaries: The Peoples Bank 500 North Jackson Street P. O. Box 340 71754-0340 Sec: Sharon Gathright Magnolia, AR One Hundred and Fourth Report 105 Magnolia Banking Corporation Magnolia, AR RSSD Number: 1135413 VOICE: (870) 235-7000 FAX: (870) 235-7008 200 East Main Street P. O. Box 250 71754-0250 Chm/CEO/Pres: Bob L. Burns EVP: Chris Gosnell EVP/CFO: Drew Chandler EVP/Sec: Bruce D. Maloch Subsidiaries: Farmers Bank and Trust Company Magnolia Properties, Inc. Magnolia Statutory Trust I First National Hempstead Statutory Trust I Magnolia, AR Magnolia, AR Magnolia, AR Hartford, CT 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 Pres: M. Don Underwood EVP/CFO: Brenda Eldridge Sec: Frank A. Fogleman Subsidiaries: First Community Bank of Eastern Arkansas Marion, AR Tyronza Bancshares, Inc. Marked Tree, AR RSSD Number: 1139783 VOICE: (870) 358-6000 FAX: (870) 358-6001 Chm: Charles A. Banks Subsidiaries: First Delta Bank 214 Hester Parker Drive P. O. Box 635 72365-0635 Pres: Chris M. Lehman Marked Tree, AR Arkansas State Bank Department 106 First National Financial Corporation McGehee, AR RSSD Number: 3386880 VOICE: (870) 222-3880 FAX: (870) 222-4853 500 North Second Street P. O. Box 728 71654 CEO/Pres: Robert E. Lucky EVP/COO: Jim Daniels Subsidiaries: First NaturalState Bank Milner/Owyoung Insurance Co., LLC McGehee, AR McGehee, AR McGehee Bank Employee Stock Ownership Plan McGehee, AR RSSD Number: 3487965 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd Street P. O. Box 787 71654 Chm: William W. Bowman CEO/Pres: James M. Smith VChm: John H. Potter VP/TO: Jim Youngblood Subsidiaries: Southeast Financial Bankstock Corporation McGehee Bank McBank Realty McGehee, AR McGehee, AR McGehee, AR Southeast Financial Bankstock Corporation McGehee, AR RSSD Number: 1096662 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd Street P. O. Box 787 71654-0787 Bank Holding Company McGehee Bank Employee Stock Ownership Plan, McGehee, AR Chm: William W. Bowman CEO/Pres: James M. Smith Subsidiaries: McGehee Bank McBank Realty VChm: John H. Potter, Jr. Sec: Teresa Allison McGehee, AR McGehee, AR One Hundred and Fourth Report 107 Union Bankshares, Inc. Mena, AR RSSD Number: 1099805 VOICE: (479) 394-2211 FAX: (479) 394-3809 303 Hwy 71 North P. O. Box 898 71953-0898 Chm: John Stevenson CEO/Pres: Philip B. Hensley VChm: David Maddox EVP/CFO: Michael D. Myers Subsidiaries: The Union Bank of Mena Union Bankshares Statutory Trust I The First National Bank at Paris Mena, AR Mena, AR Paris, AR Drew Bancshares, Inc. Monticello, AR RSSD Number: 1098198 VOICE: (870) 367-2025 FAX: (870) 367-1151 Chm/CEO: Bennie Ryburn, III Pres: George T. Harris 212 West Gaines P. O. Box 150 71657-0150 SVP/Sec: Rusty Smith SVP/Sec: Michael Efird Subsidiaries: Commercial Bank & Trust Company Monticello, AR First Union Financial Corporation Monticello, AR RSSD Number: 1098880 VOICE: (870) 460-6400 FAX: (870) 460-6465 Chm Emer: Zach McClendon, Jr. Chm/CEO: John S. McClendon Subsidiaries: Union Bank And Trust Company First Union Statutory Trust 1 102 West McCloy P. O. Box 270 71657-0270 Pres: Dave Dickson Treas/Sec: Robin McClendon Monticello, AR Monticello, AR Arkansas State Bank Department 108 Big Creek Bancshares, Inc. Moro, AR RSSD Number: 5046816 VOICE: (870) 633-1525 FAX: (870) 821-5100 6738 Highway 78 West 72368 Chm/CEO/Pres: Mark Waldrip VP: Nathan M. Waldrip Treas: Stephen W. Edwards, Sr. Subsidiaries: Forrest City Financial Corporation Armor Bank Forrest City, AR Forrest City, AR Petit Jean Bancshares, Inc. Morrilton, AR RSSD Number: 2877402 VOICE: (501) 354-4988 FAX: (501) 354-6560 707 North Saint Joseph Street P. O. Box 680 72110 Pres: Charles S. Penick Subsidiaries: Petit Jean State Bank Morrilton, AR Stone Bancshares, Inc. Mountain View, AR RSSD Number: 4928344 VOICE: (870) 269-7311 FAX: (870) 269-7312 Chm/Pres: Kevin Compton EVP: Marnie Oldner Subsidiaries: Stone Bank Mountain View, AR 802 East Main Street P. O. Box 2750 72560 CFO/Sec: Stephen T. Ragland Co-Chm: Sonya Daniels One Hundred and Fourth Report 109 M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan Newport, AR RSSD Number: 3394429 VOICE: (870) 523-3601 FAX: (870) 523-3473 120 Hazel Street P. O. Box 650 72112 Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. Treas: Pat Davis Sec: Leslie Lowery Subsidiaries: M & P Community Bancshares, Inc. Merchants & Planters Bank M & P Insurance & Investment Services, Inc. M & P Community Statutory Trust II Newport, AR Newport, AR Newport, AR Newport, AR M & P Community Bancshares, Inc. Newport, AR RSSD Number: 1491306 VOICE: (870) 523-3601 FAX: (870) 523-3473 120 Hazel Street P. O. Box 650 72112-0650 Bank Holding Company M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan, Newport, AR Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. Treas: Pat Davis Sec: Leslie Lowery Subsidiaries: Merchants & Planters Bank M & P Insurance & Investment Services, Inc. Newport, AR Newport, AR Piggott Bankstock, Inc. Piggott, AR RSSD Number: 1098321 VOICE: (870) 598-3802 FAX: (870) 598-2026 Chm: Cody Knight Subsidiaries: Piggott State Bank 212 West Cherry Street P. O. Box 307 72454-0307 VChm: Steve Bell Piggott, AR Arkansas State Bank Department 110 Simmons First National Corporation Pine Bluff, AR RSSD Number: 1094828 VOICE: (870) 541-1000 FAX: (870) 850-2685 Chm/CEO: George A. Makris, Jr. 501 Main Street P. O. Box 7009 71601-4327 EVP: Marty Casteel Subsidiaries: Simmons Bank Heartland Bank Liquidating Trust Heartland Insurance, Inc. Montesano Investment, LLC PGR, LLC Simmons First Insurance Services, Inc. Simmons First Investment Group, Inc. Zwolle Investment, LLC Simmons First SW REIT, Inc. Simmons First REIT of TN, LLC Big Creek Investors, LLC Simmons First REIT of MO, LLC Springfield Finance and Development Corp. MU Investment Property, LLC Stockton Community Development Corp. Simmons First Investments, Inc. Bastrop CRK, LLC CRK Stretford, LLC CRK Technologies, LLC FNBE Real Estate, Inc. Grand Hill Investments, LLC Quad J Holdings, LLC Rockwell Community Development, Inc. Cash Source, Inc. CRK Properties, Inc. Stillwater National Building Corporation Stillwater Properties, Inc. Citizens Energy Group Venture Holding Company, LLC First State Providence PCC of Grenada, LLC Simmons First Auto, Inc. Simmons First Insurance Services of TN, LLC Simmons First Properties, Inc. Simmons First Special Assets, Inc. Harob, Inc. Simmons First Mortgage Company Community First Statutory Trust II Community First Statutory Trust III Hardeman County Statutory Trust I Liberty Capital Trust IV Liberty Capital Trust V SBI Capital Trust II Southwest Capital Trust II Southwest Capital Trust III Pine Bluff, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Wilmington, DE Baltimore, MD Sedalia, MO Springfield, MO Springfield, MO St. Louis, MO Stockton, MO Las Vegas, NV Oklahoma City, OK Oklahoma City, OK Oklahoma City, OK Oklahoma City, OK Oklahoma City, OK Oklahoma City, OK Oklahoma City, OK Stillwater, OK Stillwater, OK Stillwater, OK Stillwater, OK Athens, TN Jackson, TN Union City, TN Union City, TN Union City, TN Union City, TN Union City, TN Fort Worth, TX Pine Bluff, AR Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE One Hundred and Fourth Report 111 Southwest Capital Trust IV Simmons First State Risk Management, Inc. Business Consulting Group, Inc. Hart Food Stores, Inc. SNB Capital Corporation SWB Recovery Corp. Wilmington, DE Las Vegas, NV Stillwater, OK Stillwater, OK Stillwater, OK Fort Worth, TX Prescott Bancshares, Inc. Prescott, AR RSSD Number: 2236586 VOICE: (870) 887-2688 FAX: (870) 887-6822 103 East 2nd Street South P. O. Drawer 490 71857-0490 Pres: John Warren Brannan, Jr. EVP: Gary McCauley Treas/Sec: Karen McLelland Subsidiaries: Bank of Prescott Prescott, AR Sigma Holdings, Inc. Rison, AR RSSD Number: 4512378 VOICE: (501) 847-3440 FAX: (501) 847-3452 112 Main Street P. O. Box 345 71665 Pres/CEO: Joseph Dunn Subsidiaries: Gateway Bank Rison, AR First State Banking Corporation Russellville, AR RSSD Number: 1096448 VOICE: (479) 498-2402 FAX: (479) 498-2465 Chm/CEO: Charles Blanchard Pres: Chip Blanchard Subsidiaries: First State Bank Nimrod Real Estate, Inc. FSB Capital Trust II FSB Capital Trust lll 3103 East Main Street P. O. Box 10610 72812 EVP: Toni B. Laws CFO/Sec: Andrea Nicholson Russellville, AR Russellville, AR Russellville, AR Russellville, AR Arkansas State Bank Department 112 First Security Bancorp Searcy, AR RSSD Number: 1096505 VOICE: (501) 279-3401 FAX: (501) 279-3486 314 North Spring P. O. Box 1009 72145-1009 Chm/CEO/Pres: Reynie Rutledge Subsidiaries: First Security Bank UFS, Inc. Peoples Real Estate Management Co. First Security Investment Advisors, Inc. First Security Real Estate Management, Inc. FNBS Investments Inc. Crews & Associates, Inc. First Security Finance, Inc. Eastview of NWA, LLC First Security Fund Advisors, Inc. Union Air LLC Cheyenne Aircraft LLC Crews Dissemination Services, Inc. Crossfirst Bankshares, Inc. Searcy, AR Benton, AR Mountain Home, AR Searcy, AR Searcy, AR Las Vegas, NV Little Rock, AR Little Rock, AR Searcy, AR Searcy, AR Searcy, AR Wilmington, DE Leawood, KS Leawood, KS Peoples Bancorp, Inc. Sheridan, AR RSSD Number: 4639435 VOICE: (870) 942-5707 FAX: (870) 942-2489 1120 S. Rock Street P. O. Box 460 72150 Chm: Al Upton Pres/CEO: Craig L. Manatt Sec: James W. Lancaster Subsidiaries: Peoples Bank Sheridan, AR Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 Chm: J. Drew Tennyson Subsidiaries: Smackover State Bank 708 North Broadway P. O. Box 107 71762-0107 Pres: James B. Yeager Smackover, AR One Hundred and Fourth Report 113 Mathias Bancshares, Inc. Springdale, AR RSSD Number: 1951172 VOICE: (479) 750-9100 FAX: (479) 750-0953 5571 Bleaux Ave. P. O. Box 6485 72766 Chm/Pres: Sam Mathias VChm: Arthur Thurman Sec: Larry Olson Subsidiaries: Today's Bank FSB Properties, LLC Property Management 40830, LLC Huntsville, AR Fayetteville, AR Fayetteville, AR United Holding Company, Inc. Springdale, AR RSSD Number: 3832181 VOICE: (479) 872-3802 FAX: (888) 420-1829 2790 South Thompson Street, Suite 102 72764-6354 CEO/Pres/Sec: Craig Young CFO/Treas: Karla Baker Subsidiaries: United Bank Springdale, AR Bodcaw Bancshares, Inc. Stamps, AR RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 Chm: John W. Smith, Jr. Subsidiaries: Bodcaw Bank 307 Thomas Street P. O. Box 8 71860-0008 Sec: D. Copie Dickson Stamps, AR Arkansas State Bank Department 114 Star City Bancshares, Inc. Star City, AR RSSD Number: 1131723 VOICE: (870) 628-4286 FAX: (870) 628-5274 116 North Lincoln P. O. Drawer 69 71667-0069 Chm/CEO: Marion Burge Ryburn Subsidiaries: Bank of Star City Star City, AR The Farmers and Merchants Bankshares, Inc. Stuttgart, AR RSSD Number: 1099672 VOICE: (870) 673-6911 FAX: (870) 672-4282 708 South Main P. O. Box 1010 72160-1016 Chm: Mickey Pierce CEO/Pres: Gary Hudson SVP/CFO: Joann C. West Subsidiaries: The Farmers and Merchants Bank Bankshares of Fayetteville Statutory Trust 1 Stuttgart, AR Fayetteville, AR Bradley Bancshares, Inc. Warren, AR RSSD Number: 1097463 VOICE: (870) 226-2601 FAX: (870) 226-2253 Chm: Bennie Ryburn, III Subsidiaries: First State Bank of Warren 104 South Main Street P. O. Box 29 71671-0029 Pres: Freddie M. Mobley Warren, AR One Hundred and Fourth Report 115 Evolve Bancorp, Inc. West Memphis, AR RSSD Number: 1142411 VOICE: (901) 624-5500 FAX: (901) 624-5540 Chm: Scot Lenoir 301 Shoppingway Blvd. 72301 Sec: Virginia B. Wilson Subsidiaries: Evolve Bank & Trust West Memphis, AR Cross County Bancshares, Inc. Wynne, AR RSSD Number: 1131611 VOICE: (870) 238-8171 FAX: (870) 238-4052 Chm: Dr. Willard G. Burks CEO/Pres: David Dowd Subsidiaries: Cross County Bank CCB-EAT, LLC CCB Real Estate Holdings, Inc. Janus Title, LLC 1 Cross County Plaza P. O. Box 9 72396-0009 Treas/Sec: Shelia Roberts Wynne, AR Wynne, AR Wynne, AR Wynne, AR ABBREVIATIONS Chm: Chm Emer: CEO: Co-Chm: VChm: Pres: Reg Pres: EVP: SVP: CAO: CBO: CCO: CFO: CLO: COO: AdmVP: EO: VP: SLO: Cash: Cont: AVP: RMO: Aud: TO: ATO: Treas: Sec: Atty: Chairman of the Board Chairman Emeritus Chief Executive Officer Co-Chairman Vice Chairman President Regional President Executive Vice President Senior Vice President Chief Administrative Officer Chief Banking Officer Chief Credit Officer Chief Financial Officer Chief Lending Officer Chief Operating Officer Administrative Vice President Executive Officer Vice President Senior Loan Officer Cashier Controller Assistant Vice President Risk Management Officer Auditor Trust Officer Assistant Trust Officer Treasurer Secretary Attorney One Hundred and Fourth Report NOTES 117 118 Arkansas State Bank Department NOTES One Hundred and Fourth Report NOTES 119 120 Arkansas State Bank Department NOTES
@FedFRASER