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REPORT OF THE BANK COMMISSIONER OF THE STATE OF ARKANSAS 2023 SARAH HUCKABEE SANDERS Governor HUGH MCDONALD Secretary SUSANNAH T. MARSHALL Bank Commissioner ONE HUNDRED AND NINTH ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2023 STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2023 Hugh McDonald Secretary of the Arkansas Department of Commerce Little Rock, Arkansas Secretary McDonald: I am pleased to submit to you the One Hundred and Ninth Annual Report of the Bank Commissioner of Arkansas, pursuant to the provisions of Act 89 of 1997. The Report contains financial and statistical data compiled from Reports of Condition and Income and other regulatory reports submitted to this office for the fiscal year ending June 30, 2023. The banking sector has witnessed a variety of challenges during the past year; however, the industry remains resilient both nationally and here in Arkansas. Total assets in Arkansas state-chartered banks have continued to exhibit notable growth in recent years. As of June 30, 2023, Arkansas banks continue to perform and compare favorably in relation to the national average. Increasing interest rates, competition for liquidity and earnings performance are the main focal points in the current environment. I am pleased to see the continuation of strong asset quality metrics. The overall capital position of Arkansas’s 73 statechartered banks also remains strong as the average Tier 1 Leverage Capital ratio is 11.14 percent for fiscal year-end 2023. The financial services industry in Arkansas and across the nation continues to change and evolve at a rapid pace. Arkansas state-chartered banks are embracing new technologies to make banking more convenient, more flexible and to remain competitive within the financial services landscape. Arkansas state-chartered banks remain focused on meeting the needs of their customers, serving the communities in which they operate and promoting economic growth. 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. Respectfully, Susannah T. Marshall Bank Commissioner One Hundred and Ninth Report TABLE OF CONTENTS Legal Holidays ............................................................................................................................................ 2 Commissioners of The Bank Department .................................................................................................. 3 State Banking Board .................................................................................................................................. 4 Departmental Roster .................................................................................................................................. 5 Charter Conversions/Corporate Name Changes/ State Chartered Banks Liquidated/State Chartered Banks Merged ........................................................ 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.................................................................................. 73 Report of State Chartered Trust Company............................................................................................... 75 Report of Regional/County Industrial Development Corporation ............................................................. 77 All Commercial Banks Listed by County .................................................................................................. 79 Map of Arkansas Counties ....................................................................................................................... 84 Arkansas Bank Holding Companies ......................................................................................................... 85 Out of State Bank Holding Companies................................................................................................... 115 Abbreviations ..........................................................................................................................................117 2 Arkansas State Bank Department LEGAL HOLIDAYS New Year’s Day...............................................................................................January 1st Dr. Martin Luther King Jr.’s Birthday........................................ Third Monday in January George Washington’s Birthday and Daisy Gatson Bates Day ................................................ Third Monday in February Memorial Day ................................................................................. Last Monday in May Independence Day ............................................................................................... July 4th Labor Day ............................................................................. First Monday in September Veterans Day ............................................................................................ November 11th Thanksgiving Day ............................................................ Fourth Thursday in November Christmas Eve ......................................................................................... December 24th Christmas Day ......................................................................................... December 25th 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 Ninth Report 3 COMMISSIONERS OF THE ARKANSAS STATE BANK DEPARTMENT Date of Appointment Date Service Ended No. Name 1. John M. Davis .............................. October 6, 1913 October 3, 1918 2. A. J. Reap .................................... October 3, 1918 March 22, 1919 3. W. T. Maxwell ............................... March 22, 1919 September 1, 1921 4. Charles McKee ....................... September 1, 1921 July 28, 1925 5. Loid Rainwater.................................. July 28, 1925 February 8, 1927 6. Walter E. Taylor ..........................February 8, 1927 January 10, 1933 7. Marion Wasson ......................... January 10, 1933 January 12, 1937 8. Grover S. Jernigan .................... January 12, 1937 January 14, 1941 9. Thomas W. Leggett ................... January 14, 1941 February 1, 1949 10. S. J. Dean ...................................February 1, 1949 December 31, 1949 11. Ed. I. McKinley, Jr. ................ December 31, 1949 March 14, 1953 12. A. R. Merritt................................... March 14, 1953 February 8, 1955 13. Dick Simpson..............................February 8, 1955 March 2, 1967 14. H. C. Adams ................................... March 3, 1967 March 16, 1979 15. Don R. Clark (Acting) ................... March 16, 1979 April 19, 1979 16. B. J. Lambert, Jr. ............................. April 19, 1979 April 15, 1983 17. Marlin D. Jackson ............................ April 15, 1983 October 1, 1987 18. Bill J. Ford .................................... October 1, 1987 July 31, 1998 19. Frank White ................................... August 1, 1998 May 21, 2003 20. Bunny Adcock ................................ June 23, 2003 June 11, 2007 21. Candace A. Franks ........................ June 13, 2007 September 30, 2020 22. Susannah T. Marshall ................. October 1, 2020 ………………… 4 Arkansas State Bank Department STATE BANKING BOARD MEMBERS Mr. Todd Smith Chairman Commercial Bank & Trust Company P. O. Box 150 Monticello, AR 71657-0150 VOICE: (870) 367-6221 TERM EXPIRES: 12/31/2024 Mr. Russell Meeks III Vice-Chairman P. O. Box 34193 Little Rock, AR 72203 VOICE: (501) 918-7354 FAX: (501) 372-5277 TERM EXPIRES: 12/31/2023 Mr. Andy Davis 7915 Highway 300 Roland, AR 72135 VOICE: (501) 837-5109 TERM EXPIRES: 12/31/2026 Mr. Rusty Lanier 3901 Foxcroft Road Little Rock, AR 72227 VOICE: (501) 766-6668 TERM EXPIRES: 12/31/2023 Mr. Scott Miller Anstaff Bank P. O. Box 1818 Harrison, AR 72602 VOICE: (870) 365-3115 TERM EXPIRES: 12/31/2023 Mr. Randy Scott Farmers Bank And Trust Company P. O. Box 688 Blytheville, AR 72315-0688 VOICE: (870) 763-8101 TERM EXPIRES: 12/31/2025 One Hundred and Ninth Report Arkansas State Bank Department 1 Commerce Way, Suite 303 Little Rock, Arkansas 72202 VOICE: (501) 324-9019 FAX: (501) 324-9028 https://banking.arkansas.gov/ DEPARTMENTAL ROSTER Susannah T. Marshall - Bank Commissioner John W. Ahlen IV - Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination Application Information Dharmin H. Patel - Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination EXAMINATION AND SUPERVISION Assistant Deputy Bank Commissioners Baker L. Moseley Bob M. Henry Gary W. Bush Raychel M. Pendergist Regulatory Examinations/Regulatory and Banking Procedures Bank Performance Evaluation and Monitoring Personnel Recruitment and Management EXAMINATION PERSONNEL LITTLE ROCK OFFICE Daniel E. Sims - Certified Examinations Manager Matthew A. Rose - Certified Bank Senior Examiner Jim E. Homan - Certified Bank Senior Examiner Wesley H. Mathis - Certified Bank Senior Examiner Scott M. Lambert - Certified Bank Senior Examiner Joel T. Futrell - Commissioned Bank Senior Examiner Ricky T. Puloma - Bank Senior Examiner Jace T. Denker - Bank Junior Examiner 5 6 Arkansas State Bank Department K. Tyler Lucas - Bank Assistant Examiner Shawn C. Smith - Bank Assistant Examiner LITTLE ROCK OFFICE J.D. Sonnier - Bank Examinations Manager Luke B. Webre - Certified Bank Senior Examiner Jerry C. Corrothers - Certified Bank Senior Examiner Thomas L. Cook - Certified Bank Senior Examiner Derek G. Harvey - Bank Senior Examiner Aaron C. Lockwood - Bank Senior Examiner Kendal B. Williams - Bank Senior Examiner Dallas E. Gipson - Bank Junior Examiner Lane P. Hardee - Bank Assistant Examiner Paige A. Whitley - Bank Assistant Examiner NORTHWEST ARKANSAS OFFICE 750 Mathias Drive Springdale, Arkansas 72762-0739 VOICE: (479) 751-5543 FAX: (479) 751-5815 NWArkansas@banking.state.ar.us R.D. Jackson - Bank Examinations Manager Ken H. Leavell - Certified Bank Senior Examiner Chris K. Davis - Certified Bank Senior Examiner Chris A. Dillon - Certified Bank Senior Examiner Andrew D. McCormick - Certified Bank Senior Examiner Adam W. Chase - Certified Bank Senior Examiner Jacob B. Spradlin - Bank Junior Examiner NORTHEAST ARKANSAS OFFICE 1817 Woodsprings Road Jonesboro, Arkansas 72401-9371 VOICE: (870) 972-1744 FAX: (870) 972-1762 Jonesboro@banking.state.ar.us John K. Householder - Certified Examinations Manager Shaun G. Perkins - Certified Bank Senior Examiner W. Nathan Elliott - Certified Bank Senior Examiner Seth D. Parsley - Commissioned Bank Senior Examiner Peyton L. Tillman - Bank Senior Examiner Abigale G. Thompson - Bank Junior Examiner J. Tanner Ballard - Bank Assistant Examiner Reed H. Middleton - Bank Assistant Examiner T. Andrew Griggs - Bank Assistant Examiner LARGE BANK SUPERVISION Caleb M. Hamilton - Bank Examinations Manager Mark G. Rye - Certified Bank Senior Examiner One Hundred and Ninth Report TRUST M. Lance Black - Bank Examinations Manager Stacey D. Leder - Certified Bank Senior Examiner Kelly R. Davis - Commissioned Bank Senior Examiner Dustin R. Hill - Bank Junior Examiner INFORMATION SYSTEMS Jeffrey A. Cameron - Certified Examinations Manager Donna J. Dodge - Certified Bank Senior Examiner Ashish V. Patel - Commissioned Bank Senior Examiner Elliott R. Hartle - Commissioned Bank Senior Examiner Patrick W. Seung - Bank Assistant Examiner BANK ANALYSIS AND APPLICATIONS John W. Ashby - Certified Examinations Manager M. Gregg Qualls - Certified Bank Senior Examiner Kevin C. Mosley - Certified Bank Senior Examiner Self-Examinations Bank Reports of Condition and Income Bank Holding Company Reports Research and Financial Analysis Public Information Requests Application Analysis Consumer Complaints TRAINING Jacklyn G. Powell - Certified Examinations Manager/Training Coordinator Kelly M. Shewmaker - Certified Bank Senior Examiner LEGAL DIVISION Eric D. Roberts - Bank Chief Counsel Rules and Regulations Legal Filings and Inquiries Consumer Complaints 7 8 Arkansas State Bank Department INFORMATION TECHNOLOGY Frank A. Fields - Bank IT Administrator Larry J. Tate - Database Specialist Darla A. Bryant - Database Specialist Research and Development Application Programming Data Processing Support ADMINISTRATION DIVISION Jessica J. Wallace - Agency Fiscal Officer Vicki A. Wise - Fiscal Support Manager Devan E. May - Budget Manager Accounting and Employee Services Budget/Personnel/Payroll Performance Compensation Expense Disbursements Purchasing Cynthia L. Nixon - Executive Assistant to the Commissioner Antwanette Pettigrew-House - Research Project Analyst Barbara A. Robinson - Research Project Analyst B. Chance Brown - Research Project Analyst Melinda F. Jones - Administrative Analyst Elizabeth A. Swaim - 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 Ninth Report CHARTER CONVERSIONS FROM JULY 1, 2022, TO JUNE 30, 2023 NAME / CHARTER / LOCATION NAME / CHARTER / LOCATION Relyance Bank, National Association Nationally Chartered Bank 8500 Sheridan Road White Hall, Arkansas Relyance Bank State Chartered Bank 8500 Sheridan Road White Hall, Arkansas The above bank’s charter conversion and name change were both effective October 21, 2022. CORPORATE NAME CHANGES FROM JULY 1, 2022, TO JUNE 30, 2023 NAME / LOCATION NAME / LOCATION Cross County Bank Wynne, Arkansas Cross Bank Wynne, Arkansas The above bank’s name change was effective November 21, 2022. STATE CHARTERED BANKS LIQUIDATED FROM JULY 1, 2022, TO JUNE 30, 2023 BANK LOCATION Home Bank of Arkansas Portland, Arkansas The above bank’s voluntary liquidation was effective October 14, 2022. STATE CHARTERED BANKS MERGED FROM JULY 1, 2022, TO JUNE 30, 2023 BANK MERGED INTO Premier Bank of Arkansas Jonesboro, Arkansas Southern Bancorp Bank Arkadelphia, Arkansas The above bank merger was effective February 17, 2023. 9 Arkansas State Bank Department 10 BRANCHES APPROVED FROM JULY 1, 2022, TO JUNE 30, 2023 BANK LOCATION First Community Bank Batesville, Arkansas 2427 West Center Street, Ste. 2067 Beebe, Arkansas First Community Bank Batesville, Arkansas 910 Chancery Lane Jonesboro, Arkansas First Community Bank Batesville, Arkansas 5100 West Park Avenue, Suite A124 Rogers, Arkansas The Citizens Bank Batesville, Arkansas 2416 Malvern Avenue Hot Springs, Arkansas Arvest Bank Fayetteville, Arkansas 17421 Chenal Parkway Little Rock, Arkansas Arvest Bank Fayetteville, Arkansas 535 West Walnut Street, Suite 101 Springfield, Missouri Partners Bank Helena, Arkansas 10800 Fin. Centre Pkwy., Ste. 465 Little Rock, Arkansas Bank OZK Little Rock, Arkansas 2227 Gallatin Pike North Madison, Tennessee Encore Bank Little Rock, Arkansas 1911 11th Street, Suite 400 Boulder, Colorado Encore Bank Little Rock, Arkansas 6900 East Layton Ave., Suite 1350 Denver, Colorado Encore Bank Little Rock, Arkansas 3151 Apex Drive, Suite 102A Charlotte, North Carolina Encore Bank Little Rock, Arkansas 18 South Markley Street, Ste. A Greenville, South Carolina Encore Bank Little Rock, Arkansas 1030 16th Avenue South, Suite 300 Nashville, Tennessee Diamond Bank Murfreesboro, Arkansas 5712 Richmond Road Texarkana, Texas One Hundred and Ninth Report BANK LOCATION Simmons Bank Pine Bluff, Arkansas 2815 Longview Drive Jonesboro, Arkansas Simmons Bank Pine Bluff, Arkansas 501 Southwest Drive Jonesboro, Arkansas Simmons Bank Pine Bluff, Arkansas 201 Franklin Road, Suite 100 Brentwood, Tennessee Simmons Bank Pine Bluff, Arkansas 510 Tillman Street, Suite 101 Memphis, Tennessee Simmons Bank Pine Bluff, Arkansas 3309 West Camp Wisdom Road Dallas, Texas Simmons Bank Pine Bluff, Arkansas 2498 West Illinois Avenue Dallas, Texas Simmons Bank Pine Bluff, Arkansas 5411 Plaza Drive, Suite A Texarkana, Texas Gateway Bank Rison, Arkansas 17328 Interstate 30, Units 1 & 2 Benton, Arkansas Peoples Bank Sheridan, Arkansas 1800 Military Road Benton, Arkansas 11 Arkansas State Bank Department 12 STATE CHARTERED BANKS SUBCHAPTER S CORPORATIONS BANK CITY FNBC Bank Ash Flat Bank of Bearden Bearden Bank of 1889 Berryville Farmers Bank And Trust Company Blytheville Bank of Cave City Cave City Bank of Delight Delight First State Bank of DeQueen DeQueen First Financial Bank El Dorado CS Bank Eureka Springs FBT Bank & Mortgage Fordyce Anstaff Bank Green Forest Today's Bank Huntsville First Arkansas Bank & Trust Jacksonville The Peoples Bank Magnolia McGehee Bank McGehee The Union Bank of Mena Mena Commercial Bank & Trust Company Monticello Union Bank & Trust Company Monticello Diamond Bank Murfreesboro Piggott State Bank Piggott Gateway Bank Rison Bank of Salem Salem Riverside Bank Sparkman United Bank Springdale Connect Bank Star City One Hundred and Ninth Report BANK CITY Security Bank Stephens First State Bank of Warren Warren Warren Bank and Trust Company Warren Fidelity Bank West Memphis 13 14 Arkansas State Bank Department The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 2022, through June 30, 2023. RECEIPTS Cash Balance July 1, 2022.…………………………………… 27,615,441.66 Examination and Assessment Fees.................. 14,426,401.16 Charter and Amendment Fees................................. 23,725.00 Interstate Sharing Fees ..................................................... 0.00 Miscellaneous/Non-Revenue Income ...................... 26,423.85 Reimbursement for M & R Sales ...................................... 0.00 Refund to Expenditures − Prior Year ......................... 3,380.00 Refund to Expenditures − Current Year ............................ 0.00 Total Receipts 14,479,930.01 $42,095,371.67 DISBURSEMENTS Salaries ................................................................... 7,225,580.14 Extra Help Salaries ...................................................... 19,794.23 Social Security, Retirement and Insurance Matching .............................................................. 2,140,550.80 Maintenance and General Operations .................... 1,579,422.56 Conference Fees and Travel ..................................... 273,979.73 Professional Fees and Services .................................. 32,797.26 Capital Outlay .............................................................. 93,452.30 Refunds Issued ..................................................................... 0.00 Service Charge by State Treasurer ........................... 223,976.99 Total Disbursements 11,589,554.01 Cash Balance June 30, 2023 30,505,817.66 $42,095,371.67 One Hundred and Ninth Report FEDERAL DEPOSIT INSURANCE CORPORATION Dallas Regional Office 600 North Pearl Street, Suite 700 Dallas, Texas 75201 VOICE: (214) 754-0098 FAX: (972) 761-2080 https://www.fdic.gov Kristie Elmquist ..... Regional Director/Risk Management & Consumer Protection David Wright .............................. Deputy Regional Director/Consumer Protection Serena Owens................................ Deputy Regional Director/Risk Management Anthony Clark .............................. Assistant Regional Director/Risk Management Eric Guyot .................................... Assistant Regional Director/Risk Management Mark Love .................................... Assistant Regional Director/Risk Management Joe Meade ................................... Assistant Regional Director/Risk Management Cindy Scott .................................. Assistant Regional Director/Risk Management Mark Taylor.................................. Assistant Regional Director/Risk Management Matthew Zamora .................... Assistant Regional Director/Consumer Protection Rafael Valle ............................ Assistant Regional Director/Consumer Protection Stephen Zachary ................................................... Regional Counsel/Supervision 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 Adrienne Washington .........................Acting Field Supervisor/Risk Management Polly Radford ................................. Acting Field Supervisor/Consumer Protection 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 https://www.stlouisfed.org James B. Bullard.........................................................................................................President Kathleen O. Paese..................................................................................... First Vice President François G. Henriquez II....................................................................Executive Vice President General Counsel & Corporate Secretary James Price ............................................................................................ Senior Vice President Administration & Payments Cassie Blackwell ..................................................................................... Senior Vice President Treasury Relations & Support Office Carl D. White II........................................................................................ Senior Vice President Banking Supervision, Credit & Learning Division Carlos Garriga.........................................................................................Senior Vice President Director of Research Karen L. Branding ................................................................................... Senior Vice President External Engagement & Corporate Communications David Wheelock ..................................................................................... Senior Vice President Deputy Director of Research Terry Kirchhofer ...................................................................................... Senior Vice President Audit Scott M. Trilling ....................................................................................... Group Vice President CFO/Financial Management David Whan ............................................................................................ Group Vice President People & Culture Allen North ..........................................................................................................Vice President Community Bank Safety & Soundness Jim Warren..........................................................................................................Vice President Regional Bank Safety & Soundness Doug Kerr ............................................................................................................Vice President Consumer Affairs Timothy C. Brown .............................................................................................. Vice President Cash Management/Administration Jim Fuchs ........................................................................................................... Vice President Mergers & Acquisitions, Statistics, & Credit Risk Management One Hundred and Ninth Report FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 (Continued) Little Rock Branch 111 Center Street Suite 1000 (10th Floor) Little Rock, Arkansas 72201 VOICE: (501) 324-8300 FAX: (501) 324-8201 Matuschka Briggs ......................... Senior Vice President/Regional 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 Vice President/Regional Branch Executive Louisville Branch 101 South 5th Street, Suite 1920 Louisville, Kentucky 40202 VOICE: (502) 568-9200 FAX: (502) 568-9247 Seema Sheth................................ Senior Vice President/Regional Branch Executive 17 18 Arkansas State Bank Department COMPTROLLER OF THE CURRENCY Southern District Office 500 North Akard St., Suite 1600 Dallas, Texas 75201-3323 VOICE: (214) 720-0656 FAX: (214) 720-7000 https://occ.gov Troy L. Thornton ........................................................................ Deputy Comptroller Dixie Claybrook ........................................................ Associate Deputy Comptroller Terence Mack ........................................................... Associate Deputy Comptroller Gerald Williams ................................................... Acting Risk & Operations Officer Randall M. Ryskamp ........................................................................District Counsel Carolina Ledesma ...................................................... Director for District Licensing Little Rock Field Office 1401 West Capitol Avenue, Suite 350 Little Rock, Arkansas 72201-2915 VOICE: (501) 707-6400 FAX: (501) 225-2711 Matthew Vick ............................................................. Assistant Deputy Comptroller Oklahoma City Field Office 301 Northwest 63rd Street, Suite 490 Oklahoma City, Oklahoma 73116-7909 VOICE: (405) 529-5701 FAX: (405) 848-8085 Brian Wall .................................................................. Assistant Deputy Comptroller Tulsa 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 Ninth Report CONSUMER FINANCIAL PROTECTION BUREAU 1700 G Street NW Washington, D.C. 20552 VOICE: (855) 411-2372 Fax: (202) 435-7330 https://www.consumerfinance.gov Rohit Chopra .................................................................................................... Director Zixta Martinez .......................................................................................Deputy Director Jan Singelmann........................................................................................ Chief of Staff Jocelyn Sutton ............................................................................. Deputy Chief of Staff Wendy Kamenshine ................................................................................. Ombudsman Adam Martinez ............................................................................................ Operations Chief Operating Officer Jean Chang ................................................................................................. Operations Deputy Chief Operating Officer Karen Andre .................................................. Consumer Education & External Affairs Associate Director Christopher Johnson ..................................... Consumer Education & External Affairs Assistant Director David Uejio .................................................Supervision, Enforcement & Fair Lending Associate Director David Bleiken .............................................Supervision, Enforcement & Fair Lending Deputy Associate Director Seth Frotman ........................................................................................................ 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 https://www.arkbankers.org Lorrie Trogden ............................................................................... President & CEO Jim Taylor .................................................................................................. Chairman Senior Vice President First Security Bank, Searcy Brad Chambless ............................................................................... Chairman-Elect President & CEO The Farmers and Merchants Bank, Stuttgart Chris Gosnell ..................................................................................... Vice Chairman President & CEO Farmers Bank and Trust Company, Magnolia Scott Safford .............................................................................................. Treasurer Executive Vice President/Chief Lending Officer Union Bank & Trust Company, Monticello Randy Scott ....................................................................................... Past Chairman Chairman, President & CEO Farmers Bank And Trust Company, Blytheville EMERGING LEADERS SECTION Duncan Bellingrath ..................................................................................... President Community President – Hot Springs Simmons Bank, Pine Bluff Latrecia Carroll ...................................................................................Vice President Senior Vice President/Operations Manager – Little Rock Stone Bank, Mountain View Ian Bryan .................................................................................. Secretary/Treasurer Community Banker/Commercial Lending – Russellville Simmons Bank, Pine Bluff One Hundred and Ninth 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 https://www.arcommunitybankers.com Chris Padgett .................................................................................. Executive Director Gary Head ................................................................................................... President Chairman & CEO Signature Bank of Arkansas, Fayetteville John Beller............................................................................................ Vice President President & CEO Bank of Cave City, Cave City Kyle Baltz ..................................................................................................... Treasurer President & CEO RiverBank, Pocahontas Ed Wilkinson ................................................................................................ Secretary President Farmers Bank, Greenwood Gary Oltmann. ..................................................................................... Past President Market President - Stuttgart Southern Bancorp Bank, Arkadelphia 21 22 Arkansas State Bank Department CONFERENCE OF STATE BANK SUPERVISORS 1300 I Street, NW, Suite 700 East Washington, DC 20005 VOICE: (202) 296-2840 FAX: (202) 296-1928 https://www.csbs.org Jim Cooper .......................................................................................President & CEO Leila Green ................................... Executive Vice President, Chief Financial Officer John “Buz” Gorman .......... Executive Vice President, Office of the General Counsel Kelly Haire .......................................... Executive Vice President, People Operations Karen Lawson ................................. Executive Vice President, Policy & Supervision Margaret Liu ................................. Executive Vice President, Strategic Engagement Vicki Peck…………………………...Executive Vice President, Products & Solutions Ngoc Vu ..................................... Executive Vice President, Chief Information Officer Dave Dwyer .............................................. Senior Vice President, Business Services Mary Beth Quist......................................... Senior Vice President, Bank Supervision Dana Barbieri .........................................................Vice President, Legislative Policy Laura Fisher ........................................................... Vice President, Communications Sebastian Monnet ..................................... Vice President, Learning & Development Nathan Ross ............................................................................. Vice President, Policy Tony Vasile .…………………Vice President, NonBank Supervision & Enforcement Bill Young ........................................................... Vice President, Product Operations Matt Comber……………………………………………. Senior Director, Accreditation One Hundred and Ninth Report CONSOLIDATED REPORT OF CONDITION DATA 73 STATE CHARTERED COMMERCIAL BANKS (in millions) JUNE 30, 2023 ASSETS Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin .................................... $1,592 b. Interest-bearing balances ................................................................................. 3,915 Securities: a. Held to maturity ................................................................................................. 6,274 b. Available-for sale............................................................................................. 26,973 c. Equity securities with readily determinable fair values .......................................... 29 Federal funds sold and securities purchased under agreements to resell...................................................... 455 Net Loans and Leases ..................................................................................................102,759 Trading assets……………………………………………………………………………………. 27 Premises and fixed assets ................................................................................................ 3,053 Other real estate owned ........................................................................................................ 88 Goodwill and other intangibles.......................................................................................... 4,835 All other assets.................................................................................................................. 5,824 Total assets .................................................................................................................$155,824 LIABILITIES Deposits: a. In domestic offices ......................................................................................$124,623 (1) Noninterest-bearing ..................................................................25,854 (2) Interest-bearing.........................................................................98,769 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 ...................................................... 942 Trading liabilities .................................................................................................................. 103 Other borrowed money………………………………………………………………………..9,582 Subordinated notes and debentures…………………………………………………………...469 All other liabilities .............................................................................................................. 1,574 Total liabilities................................................................................................................137,293 EQUITY CAPITAL Minority interests in consolidated subsidiaries ........................................................................ 2 Perpetual preferred stock .................................................................................................... 341 Common stock ....................................................................................................................... 16 Surplus ............................................................................................................................11,105 Undivided profits ............................................................................................................... 7,067 Total equity capital…………………………………………………………………………...18,529 Total liabilities, minority interest and equity capital ................................................... $155,824 23 Arkansas State Bank Department 24 CONSOLIDATED STATEMENT OF CONDITION OF THE 46 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 2023 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 .................................................................. $12 b. Other Institutions .................................................................................................. 0 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions .................................................................. 885 b. Other Institutions ........................................................................................... 5,363 U.S. Government and Agency Obligations ............................................................. 3,076 State, County and Municipal Obligations ................................................................ 1,014 Other Short-Term Obligations ........................................................................................ 3 Other Notes and Bonds .............................................................................................. 638 Money Market Funds ............................................................................................... 1,902 Other Mutual Funds ................................................................................................. 3,829 Stocks ...................................................................................................................... 5,834 Collective Investment Fund Units ............................................................................... 556 Real Estate Mortgages ................................................................................................. 11 Real Estate ................................................................................................................. 846 Miscellaneous Assets .............................................................................................. 1,667 Other ....................................................................................................................... 3,394 Total ................................................................................................................... $29,030 LIABILITIES Personal Accounts: 16. Personal Trusts ......................................................................................................$5,423 17. Estates & Guardianships ..............................................................................................86 18. Investment Management & Advisory.......................................................................4,346 19. Custodial………………………………………………………………………………. 11,475 20. Agencies…………………………………………………………………………………1,132 Employee Benefit Accounts: 21. Trusts ....................................................................................................................... 2,002 22. Agencies ..................................................................................................................... 441 23. Custodial .................................................................................................................. 1,847 Corporate and Municipal Securities Appointments: 24. Bond Trusteeships ................................................................................................... 1,584 25. Agencies ..................................................................................................................... 155 Collective Investment Funds: 26. Personal ...................................................................................................................... 494 27. Employee Benefit.......................................................................................................... 37 Internal Accounts: 28. Profit Accounts ................................................................................................................ 6 29. Suspense Accounts ........................................................................................................ 2 30. Total………………………………………… ..........…………………………………$29,030 One Hundred and Ninth Report CONSOLIDATED REPORT OF CONDITION DATA EIGHT NATIONAL BANKS (in millions) JUNE 30, 2023 ASSETS Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ....................................... $122 b. Interest-bearing balances .................................................................................... 354 Securities: a. Held-to-maturity .................................................................................................... 248 b. Available-for-sale............................................................................................... 1,131 c. Equity securities with readily determinable fair values ............................................ 0 Federal funds sold and securities purchased under agreements to resell.......................................................... 3 Net loans and leases ........................................................................................................ 5,048 Trading assets.......................................................................................................................... 0 Premises and fixed assets ................................................................................................... 188 Other real estate owned .......................................................................................................... 1 Goodwill and other intangibles............................................................................................... 69 All other assets..................................................................................................................... 245 Total assets .....................................................................................................................$7,409 LIABILITIES Deposits: a. In domestic offices .......................................................................................... $6,316 (1) Noninterest-bearing ....................................................................1,603 (2) Interest-bearing...........................................................................4,713 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 .......................................................... 0 Trading liabilities ...................................................................................................................... 0 Other borrowed money………………………………………………………………………….246 Subordinated notes and debentures ....................................................................................... 0 All other liabilities ...……………………………………………………………………………….57 Total liabilities....................................................................................................................6,619 EQUITY CAPITAL Minority interests in consolidated subsidiaries…………………………………………………...0 Perpetual preferred stock ........................................................................................................ 0 Common stock ......................................................................................................................... 5 Surplus ................................................................................................................................. 280 Undivided profits .................................................................................................................. 505 Total equity capital ............................................................................................................... 790 Total liabilities, minority interest and equity capital ....................................................... $7,409 25 Arkansas State Bank Department 26 TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2023 BANK CITY Southern Bancorp Bank FNBC Bank RiverWind Bank First Community Bank The Citizens Bank Bank of Bearden Bank of 1889 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 Chambers Bank Bank of Delight First State Bank of DeQueen Merchants & Farmers Bank First Financial Bank Bank of England CS 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 Anstaff Bank First Service Bank Farmers Bank Partners Bank Horatio State Bank Today’s Bank First Arkansas Bank & Trust Bank of Lake Village Arkadelphia Ash Flat Augusta Batesville Batesville Bearden Berryville Blytheville Booneville Bradley Calico Rock Cave City Clarendon Conway Danville Delight DeQueen Dumas El Dorado England Eureka Springs Fayetteville Fayetteville Fordyce Forrest City Forrest City Fort Smith Green Forest Greenbrier Greenwood Helena Horatio Huntsville Jacksonville Lake Village RATIO 12.60 8.58 9.73 8.56 8.65 9.11 10.48 9.23 8.92 10.75 31.77 8.31 12.38 11.69 11.91 14.09 10.12 10.89 12.27 14.46 10.69 8.21 9.85 10.03 8.62 10.12 10.46 9.35 9.94 15.22 10.59 12.44 8.87 10.59 13.90 One Hundred and Ninth Report 27 BANK CITY Bank of Little Rock Bank OZK Central Bank Eagle Bank & Trust Company Encore Bank First State Bank Farmers Bank and Trust Company The Peoples Bank The Malvern National Bank First NaturalState Bank McGehee Bank The Union Bank of Mena Commercial Bank & Trust Company Union Bank & Trust Company Petit Jean State Bank Stone Bank Diamond Bank Merchants & Planters Bank First National Bank The First National Bank at Paris Piggott State Bank Simmons Bank RiverBank Gateway Bank Generations Bank First State Bank Bank of Salem Logan County Bank First Security Bank Peoples Bank Smackover State Bank Riverside Bank Legacy National Bank United Bank Bodcaw Bank Connect Bank Security Bank The Farmers and Merchants Bank Citizens Bank & Trust Company The First National Bank of Lawrence County First State Bank of Warren Little Rock Little Rock Little Rock Little Rock Little Rock Lonoke Magnolia Magnolia Malvern McGehee McGehee Mena Monticello Monticello Morrilton Mountain View Murfreesboro Newport Paragould Paris Piggott Pine Bluff Pocahontas Rison Rogers Russellville Salem Scranton Searcy Sheridan Smackover Sparkman Springdale Springdale Stamps Star City Stephens Stuttgart Van Buren Walnut Ridge Warren RATIO 7.46 14.74 9.57 16.07 8.40 10.37 8.68 10.45 9.41 11.08 16.66 10.68 9.88 9.83 15.03 9.18 9.98 10.64 10.32 11.42 8.48 9.80 15.90 9.28 11.13 11.36 11.37 18.39 17.07 15.13 11.43 8.97 9.10 9.13 9.14 14.96 11.90 9.92 11.30 9.97 11.66 Arkansas State Bank Department 28 BANK CITY Warren Bank and Trust Company Evolve Bank & Trust Fidelity Bank Relyance Bank Cross Bank Warren West Memphis West Memphis White Hall Wynne RATIO 14.92 8.57 10.59 12.73 10.58 One Hundred and Ninth Report 29 NATIONAL BANKS HEADQUARTERED IN ARKANSAS JUNE 30, 2023 (000’s omitted) BANK CITY The First National Bank of Izard County First National Bank of Eastern Arkansas The First National Bank of Fort Smith The Malvern National Bank First National Bank The First National Bank at Paris Legacy National Bank The First National Bank of Lawrence County Calico Rock Forrest City Fort Smith Malvern Paragould Paris Springdale Walnut Ridge ASSETS 199,101 542,337 2,165,864 640,490 2,378,937 250,829 962,469 269,389 REPORT OF THE SEVENTY-THREE STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2023 (000’s omitted) 32 Arkansas State Bank Department Southern Bancorp Bank Arkadelphia, AR VOICE: (870) 246-5811 FAX: (870) 246-5284 Trust Powers: Yes 601 Main Street 71923 Charter Number: 142 Date: September 28, 1903 FDIC Certificate Number: 1528 Home Page: www.banksouthern.com Member of Federal Reserve System Bank Holding Company Southern Bancorp Inc., Arkadelphia, AR Chm: Sherman E. Tate CFO: Christopher Wewers CEO/Pres: John Olaimey TO: Gena Jennings Cash and Due from:.................................. 143,217 Federal Funds and Repos: ................................ 52 Investments: ............................................. 573,343 Net Loans: ............................................. 1,540,459 Premises and Fixed Assets:........................ 40,916 Other Real Estate: ........................................... 375 Other Assets: ............................................ 169,771 Total Assets: .......................................... 2,468,133 Total Trust Assets: ...................................... 36,355 Deposits: ............................................... 1,962,103 Federal Funds and Borrowings: ................ 160,946 Other Liabilities: .......................................... 14,443 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 2,137,492 Total Equity Capital: .................................. 330,641 Total Liabilities and Capital: ................... 2,468,133 Number of Shares Outstanding: .................. 24,000 Directors: Hugh Arant, Jr.; Jerry Damerow; Kim Evans; James "Jim" Franks; Donna Gambrell; Glen Jones; Mike Montgomery; Walter Morris, Jr.; John Olaimey; Susie Smith; Darryl Swinton; Sherman E. Tate; Darrin Williams Branches in Town: One Other Branches: Barton, Bismarck, Blytheville (4), Canton[MS], Clarksdale[MS], DeWitt, Drew[MS], El Dorado (2), Elaine, Eudora, Friars Point[MS], Glenwood, Gosnell, Greenville[MS] (2), Gurdon, Hamburg, Hattiesburg[MS], Helena-West Helena (3), Hernando[MS], Hot Springs (3), Indianola[MS], Jonesboro, Lambert[MS], Leland[MS], Little Rock, Lockesburg, Lula[MS], Madison[MS], Malvern, Manila, Marion, Marvell, Mound Bayou[MS], Mount Ida, Picayune[MS], Ruleville[MS], Shelby[MS], Sledge[MS], Stuttgart, Trumann, Webb[MS], West Memphis One Hundred and Ninth Report 33 FNBC Bank Ash Flat, AR VOICE: (870) 994-2311 FAX: (870) 257-1889 Trust Powers: No 636 Ash Flat Drive 72513 Charter Number: 793 Date: January 16, 2014 FDIC Certificate Number: 1294 Home Page: www.fnbc.us Member of Federal Reserve System Bank Holding Company FNBC Bancorp, Inc., Ash Flat, AR CEO/Pres: Marty Sellars EVP: Dana Batterton Reg Pres/CLO: Chad Hudson CFO: Michael Burris Cash and Due from: .................................... 11,991 Federal Funds and Repos: .................................. 0 Investments: .............................................. 219,714 Net Loans:................................................. 464,381 Premises and Fixed Assets: ........................ 20,953 Other Real Estate: ..............................................65 Other Assets: .............................................. 23,093 Total Assets: ............................................. 740,197 Total Trust Assets: .............................................. 0 Deposits: ...................................................570,665 Federal Funds and Borrowings: .................121,800 Other Liabilities:.............................................3,432 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 695,897 Total Equity Capital: ....................................44,300 Total Liabilities and Capital: .......................740,197 Number of Shares Outstanding: ................100,000 Directors: Martin Carpenter; Borum Cooper; Rhonda Moody; Norma Orr; Jeffrey A. Rigsby; Marty Sellars Branches in Town: None Other Branches: Batesville, Cherokee Village, Hardy, Highland, Horseshoe Bend, Jonesboro, Mammoth Spring, Melbourne, Mountain Grove[MO], Mountain Home (2), Salem, West Plains[MO] RiverWind Bank Augusta, AR VOICE: (870) 347-2511 FAX: (870) 347-2654 Trust Powers: Yes 100 South Second Street 72006 Charter Number: 669 Date: February 20, 1935 FDIC Certificate Number: 15035 Home Page: www.riverwind.bank Member of Federal Reserve System Bank Holding Company None Chm: Charles P. Eldridge Pres: Casey Cullipher CEO: William D. "Bill" Patton SVP: Victoria Cansler Cash and Due from: ...................................... 3,615 Federal Funds and Repos: ............................8,625 Investments: ................................................ 34,965 Net Loans:................................................... 80,219 Premises and Fixed Assets: ..........................2,937 Other Real Estate: ............................................... 0 Other Assets: ................................................7,045 Total Assets: ............................................. 137,406 Total Trust Assets: ........................................2,181 Deposits: ...................................................126,628 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................3,431 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 130,059 Total Equity Capital: ......................................7,347 Total Liabilities and Capital: .......................137,406 Number of Shares Outstanding: ....................8,000 Directors: Dr. Steven Collier; Winston Collier; Casey Cullipher; W. P. Daniel, Jr.; W. P. Daniel, III; Charles P. Eldridge; Mark Eldridge; Ronald Jones; William D. "Bill" Patton Branches in Town: None Other Branches: Beebe, 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 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: Brandon Brewer Cash and Due from:.................................. 112,223 Federal Funds and Repos: ........................... 1,075 Investments: ............................................. 252,229 Net Loans: ............................................. 2,115,776 Premises and Fixed Assets:........................ 74,188 Other Real Estate: ........................................... 271 Other Assets: .............................................. 62,853 Total Assets: .......................................... 2,618,615 Total Trust Assets: .................................... 204,930 Deposits: ............................................... 2,021,753 Federal Funds and Borrowings: ................ 399,979 Other Liabilities: .......................................... 13,735 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 2,435,467 Total Equity Capital: .................................. 183,148 Total Liabilities and Capital: ................... 2,618,615 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; Frank Tripp; Sheila Wagnon; Keith Webb Branches in Town: Three Other Branches: Bald Knob, Bay, Beebe, Brookland, Cabot (2), Cave City, Cherokee Village, Conway (2), Goodman[MO], Harrison, Jonesboro (3), Joplin[MO], Lepanto, Little Rock (2), Mountain Home, Neosho[MO] (2), Newport, Pineville[MO], Rogers, Searcy (3) The Citizens Bank Batesville, AR VOICE: (870) 793-4441 FAX: (870) 698-6241 Trust Powers: Yes 655 St. Louis Street 72501 Charter Number: 705 Date: February 19, 1953 FDIC Certificate Number: 17211 Home Page: www.thecitizensbank.net Member of Federal Reserve System Bank Holding Company Citizens Bancshares of Batesville, Inc., Batesville, AR CEO/Pres: Adam Mitchell SVP/TO: Chris Treat EVP/CFO: Karen Shaw Cash and Due from:.................................... 27,444 Federal Funds and Repos: .............................. 175 Investments: ............................................... 98,159 Net Loans: ............................................. 1,154,274 Premises and Fixed Assets:........................ 44,204 Other Real Estate: ............................................... 0 Other Assets: .............................................. 49,221 Total Assets: .......................................... 1,373,477 Total Trust Assets: ...................................... 89,301 Deposits: ............................................... 1,220,062 Federal Funds and Borrowings: .................. 36,730 Other Liabilities: ............................................ 5,130 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,261,922 Total Equity Capital: .................................. 111,555 Total Liabilities and Capital: ................... 1,373,477 Number of Shares Outstanding: .................. 16,500 Directors: Mark Forbis; Russell Harrington; T. J. Lefler; Adam Mitchell; Dr. Lackey G. Moody, M.D.; Jay F. Shell; Kay Southerland; Jeffery F. Teague Branches in Town: Three Other Branches: Arkadelphia, Fayetteville (2), Hot Springs (2), Imboden, Little Rock (2), Monticello, Mountain View, Pleasant Plains, Portland, Rogers One Hundred and Ninth Report 35 Bank of Bearden Bearden, AR VOICE: (870) 687-2233 FAX: (870) 687-2474 Trust Powers: No Chm/Pres: Rick Green EVP/Sec: Brett Wood 1 Second Street 71720 Charter Number: 688 Date: June 17, 1945 FDIC Certificate Number: 16282 Home Page: www.bankofbearden.com Bank Holding Company Bearden Bancshares, Inc., Bearden, AR VP: Donnie Castleberry VP/Cash: Susan Lusby Cash and Due from: ...................................... 6,265 Federal Funds and Repos: .......................... 23,750 Investments: ................................................ 18,246 Net Loans:................................................... 31,021 Premises and Fixed Assets: .............................133 Other Real Estate: ............................................... 0 Other Assets: ...................................................262 Total Assets: ............................................... 79,677 Total Trust Assets: .............................................. 0 Deposits: .....................................................74,132 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 55 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................74,187 Total Equity Capital: ......................................5,490 Total Liabilities and Capital: .........................79,677 Number of Shares Outstanding: ....................8,300 Directors: Addison Anthony; Edwin C. Anthony; Steven M. Anthony; Wilson Anthony; Rick Green; Don Morehead; Brett Wood; Steve Wright Branches in Town: None Other Branches: None Bank of 1889 Berryville, AR VOICE: (870) 423-6601 FAX: (870) 423-2786 Trust Powers: Yes 305 - 307 Public Square 72616 Charter Number: 805 Date: June 28, 2022 FDIC Certificate Number: 3854 Home Page: www.1889.bank Member of Federal Reserve System Bank Holding Company First Carroll Bankshares, Inc., Berryville, AR CEO: William Hudspeth, III CAO/CFO: John Eoff Pres/CCO: Doug Carr TO: Terri McCall Cash and Due from: ...................................... 9,996 Federal Funds and Repos: .......................... 31,525 Investments: ................................................ 40,445 Net Loans:................................................. 195,426 Premises and Fixed Assets: ..........................9,772 Other Real Estate: ............................................... 0 Other Assets: ................................................ 4,045 Total Assets: ............................................. 291,209 Total Trust Assets: ...................................... 68,554 Deposits: ...................................................258,769 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................1,959 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 260,728 Total Equity Capital: ....................................30,481 Total Liabilities and Capital: .......................291,209 Number of Shares Outstanding: ..................57,000 Directors: Kevin Barrows; Doug Carr; William Hudspeth, III; Alan Hunnicutt; Kristy NobleTesch; Jim Richiert; Phil Thompson; Wade Williams Branches in Town: Two Other Branches: Elkins, Eureka Springs, Green Forest, Harrison (2), Huntsville, Marshall, Yellville Arkansas State Bank Department 36 Farmers Bank And Trust Company Blytheville, AR VOICE: (870) 763-8101 FAX: (870) 763-3500 Trust Powers: Yes 400 West Main 72315 Charter Number: 253 Date: March 16, 1908 FDIC Certificate Number: 1027 Home Page: www.fbtbly.com Member of Federal Reserve System Bank Holding Company Farmers Bancorp, Inc., Blytheville, AR Chm/CEO/Pres: Randy Scott CFO: Shelly Crosskno EVP: Justin Bell Cash and Due from:.................................... 22,512 Federal Funds and Repos: ......................... 25,000 Investments: ............................................... 14,472 Net Loans: ................................................ 285,956 Premises and Fixed Assets:.......................... 4,526 Other Real Estate: ............................................... 0 Other Assets: ................................................ 8,358 Total Assets: ............................................. 360,824 Total Trust Assets: ............................................... 0 Deposits: .................................................. 327,366 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 1,476 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 328,842 Total Equity Capital: .................................... 31,982 Total Liabilities and Capital: ...................... 360,824 Number of Shares Outstanding: .................. 40,000 Directors: Justin Bell; Paula O. Blackwell; Brad Harrison; John Langston; John C. Rose, Jr.; Randy Scott; Tommy W. Wagner, Jr.; Curtis Walker, Jr. Branches in Town: Two Other Branches: Gosnell, Manila, Wilson First Western Bank Booneville, AR VOICE: (479) 936-2000 FAX: (479) 878-3408 Trust Powers: Yes 80 West Main 72927 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 Pres: Landon Taylor VChm: Steve Gramling Cash and Due from:.................................... 16,059 Federal Funds and Repos: ........................... 1,900 Investments: ............................................... 57,153 Net Loans: ................................................ 513,564 Premises and Fixed Assets:........................ 17,370 Other Real Estate: ............................................... 0 Other Assets: .............................................. 26,921 Total Assets: ............................................. 632,967 Total Trust Assets: ............................................... 0 Deposits: .................................................. 550,629 Federal Funds and Borrowings: .................. 19,000 Other Liabilities: ............................................ 9,759 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 579,388 Total Equity Capital: .................................... 53,579 Total Liabilities and Capital: ...................... 632,967 Number of Shares Outstanding: ................ 100,000 Directors: Dan Brown; Arline Coatney; Thomas C. Conly; Matt Crafton; Steve Gramling; John T. Hampton; Ty Hampton; John Mack; David Remy; Landon Taylor; John Williams; Jane Woolley Branches in Town: One Other Branches: Bella Vista, Bentonville, Caulksville, Fort Smith, Magazine, Rogers (2), Springdale One Hundred and Ninth Report 37 Community State Bank Bradley, AR VOICE: (870) 894-3322 FAX: (870) 894-3324 Trust Powers: No 208 West Fourth Street 71826 Charter Number: 653 Date: April 10, 1933 FDIC Certificate Number: 5619 Home Page: www.csbarkansas.com Bank Holding Company Power Bancshares, Inc., Bradley, AR CEO/Pres: Jeff C. Hobbs VP/Cash: Regina Smith EVP/SLO: Sherri Jones Cash and Due from: ...................................... 5,504 Federal Funds and Repos: .................................. 0 Investments: .....................................................263 Net Loans:................................................... 27,079 Premises and Fixed Assets: .............................469 Other Real Estate: ............................................... 0 Other Assets: ...................................................563 Total Assets: ............................................... 33,878 Total Trust Assets: .............................................. 0 Deposits: .....................................................29,962 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 131 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................30,093 Total Equity Capital: ......................................3,785 Total Liabilities and Capital: .........................33,878 Number of Shares Outstanding: ..................10,000 Directors: Taylor Chandler; Jeff C. Hobbs; Blake Miller; Derick Murway; Aaron Symank Branches in Town: None Other Branches: None Bank of Cave City Cave City, AR VOICE: (870) 283-5301 FAX: (870) 283-6466 Trust Powers: Yes 137 South Main Street 72521 Charter Number: 209 Date: July 2, 1906 FDIC Certificate Number: 105 Home Page: www.bankofcavecity.com Member of Federal Reserve System Bank Holding Company Sharp Bancshares, Inc., Cave City, AR CEO/Pres/TO: John M. Beller EVP/CFO: Kim Nunnally EVP/CCO: Sandra Barr SVP/Cash: Charlotte Engleman Cash and Due from: ...................................... 3,235 Federal Funds and Repos: ............................1,000 Investments: ................................................ 36,588 Net Loans:................................................. 121,922 Premises and Fixed Assets: ..........................5,058 Other Real Estate: ............................................260 Other Assets: ................................................ 8,172 Total Assets: ............................................. 176,235 Total Trust Assets: .............................................. 0 Deposits: ...................................................142,985 Federal Funds and Borrowings: ...................22,027 Other Liabilities:.............................................3,238 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 168,250 Total Equity Capital: ......................................7,985 Total Liabilities and Capital: .......................176,235 Number of Shares Outstanding: ....................4,000 Directors: James E. Baxter; John M. Beller; Samuel F. Beller; Dennis Esteb; John H. Pettersen; Bruce Street; Scott Street Branches in Town: None Other Branches: Batesville, Evening Shade, Lynn, Strawberry Arkansas State Bank Department 38 The Merchants and Planters Bank Clarendon, AR VOICE: (870) 747-3319 FAX: (870) 747-3498 Trust Powers: No 297 Madison Street 72029 Charter Number: 21 Date: July 23, 1890 FDIC Certificate Number: 107 Home Page: None Bank Holding Company Clarendon Holding Co., Clarendon, AR Chm: J. Baxter Sharp, III Pres: J. Kendall Henry Cash and Due from:...................................... 2,016 Federal Funds and Repos: ........................... 2,700 Investments: ............................................... 24,971 Net Loans: .................................................. 16,021 Premises and Fixed Assets:............................. 258 Other Real Estate: ............................................. 54 Other Assets: ................................................ 1,402 Total Assets: ............................................... 47,422 Total Trust Assets: ............................................... 0 Deposits: .................................................... 44,693 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 141 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 44,834 Total Equity Capital: ...................................... 2,588 Total Liabilities and Capital: ........................ 47,422 Number of Shares Outstanding: .................... 6,000 Directors: James W. Faulkner; Joe Griffith; J. Kendall Henry; Kelly Lawless; Kirby Meacham, Jr.; J. Baxter Sharp, III Branches in Town: None Other Branches: None One Hundred and Ninth Report 39 Centennial Bank Conway, AR VOICE: (501) 328-4663 FAX: (501) 328-4601 Trust Powers: Yes 620 Chestnut Street 72032 Charter Number: 118 Date: May 12, 1903 FDIC Certificate Number: 11241 Home Page: www.my100bank.com Member of Federal Reserve System Bank Holding Company Home BancShares, Inc., Conway, AR Chm/CEO/Pres: Tracy French COO: Stephen Tipton CFO/Treas: Brian Davis TO: Kevin Orr Cash and Due from: .................................. 605,976 Federal Funds and Repos: ............................1,550 Investments: ........................................... 4,928,588 Net Loans:............................................ 13,895,289 Premises and Fixed Assets: ...................... 397,315 Other Real Estate: ............................................724 Other Assets: ......................................... 2,230,609 Total Assets: ........................................ 22,060,051 Total Trust Assets: ................................. 4,900,964 Deposits: .............................................. 17,433,213 Federal Funds and Borrowings: .................861,899 Other Liabilities:......................................... 165,866 Subordinated Debt: ............................................. 0 Total Liabilities: .................................... 18,460,978 Total Equity Capital: ............................... 3,599,073 Total Liabilities and Capital: .................. 22,060,051 Number of Shares Outstanding: ....................2,400 Directors: Milburn Adams; Robert H. Adcock, Jr.; John Allison; Richard Ashley; Brian Davis; Jack Engelkes; William J. Farris, Jr.; Tracy French; John Freyaldenhoven; Allen V. Hankins; Shane A. Henry; Kevin Hester; Jim Rankin; Dave Seleski; Donna Townsell Branches in Town: Six Other Branches: Abilene[TX], Addison[TX], Allen[TX], Amarillo[TX] (11), Apalachicola[FL], Atkins, Austin[TX], Batesville (2), Bedford[TX], Beebe (2), Bentonville, Big Pine Key[FL], Blountstown[FL], Boca Raton[FL], Boerne[TX], Borger[TX], Bovina[TX], Bristol[FL], Bryant, Cabot (4), Canadian[TX], Canyon[TX], Carrabelle[FL], Clarksville, Clearwater[FL], Cooper City[FL], Coral Gables[FL], Coral Springs[FL], Crawfordville[FL], Dade City[FL], Dalhart[TX], Dania Beach[FL], Dardanelle, Davie[FL], Destin[FL], Dimmitt[TX], Doral[FL], Dumas[TX], Eastpoint[FL] (2), Elberta[AL], Englewood[FL], Fairhope[AL], Fayetteville (2), Floydada[TX], Foley[AL], Fort Smith (2), Fort Worth[TX], Fredericksburg[TX], Ft. Lauderdale[FL] (3), Ft. Myers[FL], Greenbrier, Gulf Shores[AL], Happy[TX], Hart[TX], Heber Springs, Hereford[TX], Hialeah[FL], Higgins[TX], Highland, Hollywood[FL], Islamorada[FL], Jacksonville (2), Jonesboro (6), Jupiter[FL], Kerrville[TX] (2), Key Largo[FL], Key West[FL] (3), Kissimmee[FL], Lake Mary[FL], Lakeland[FL], Little Rock (7), Lockney[TX], Lubbock[TX] (4), Lutz[FL], Marathon[FL] (2), Marco Island[FL], Mayflower, Memphis[TX], Matador[TX], Mexico Beach[FL], Mobeetie[TX], Monette, Morrilton, Mountain Home, Mountain View (2), Muleshoe[TX], Naples[FL], Navarre[FL], New Braunfels[TX], New York[NY], North Little Rock (6), Olton[TX], Orange Beach[AL], Orlando[FL], Pampa[TX], Panama City[FL] (2), Panama City Beach[FL] (2), Panhandle[TX], Paragould (3), Pensacola[FL] (2), Plainview[TX] (2), Plant City[FL], Plantation[FL], Pompano Beach[FL], Port Saint Joe[FL], Post[TX], Pottsville, Punta Gorda[FL], Quincy[FL], Quitman, Rector, Rogers, Round Rock[TX], Russellville (3), Saint James City[FL], Saint Petersburg[FL], Santa Rosa Beach[FL] (2), Sarasota[FL] (2), Searcy (3), Shamrock[TX], Sherwood, Siloam Springs (2), Silverton[TX], Slaton[TX], Spring Hill[FL], Springdale, St. Cloud[FL], Stratford[TX], Sunray[TX], Tahoka[TX], Tallahassee[FL] (6), Tampa[FL] (3), Texline[TX], Tontitown, Tulia[TX], Turkey[TX], Van Buren, Venice[FL], Vilonia, Ward, West Palm Beach[FL], Weston [FL], Wewahitchka[FL], Wheeler[TX], White Deer[TX], Winter Haven[FL], Winter Park[FL], Zephyrhills[FL] 40 Arkansas State Bank Department Chambers Bank Danville, AR VOICE: (479) 495-2236 FAX: (479) 495-4681 Trust Powers: Yes 901 Main Street 72833 Charter Number: 615 Date: October 3, 1930 FDIC Certificate Number: 5615 Home Page: www.chambers.bank Member of Federal Reserve System Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm/CEO: John Ed Chambers, III CFO: Landi Mkhize Pres: Mike Donnell TO: Russell Wandsneider Cash and Due from:.................................... 14,193 Federal Funds and Repos: ....................... 142,700 Investments: ............................................... 66,815 Net Loans: ................................................ 976,882 Premises and Fixed Assets:........................ 26,904 Other Real Estate: ............................................. 51 Other Assets: .............................................. 46,968 Total Assets: .......................................... 1,274,513 Total Trust Assets: ............................................... 0 Deposits: ............................................... 1,035,253 Federal Funds and Borrowings: .................. 74,718 Other Liabilities: ............................................ 9,973 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,119,944 Total Equity Capital: .................................. 154,569 Total Liabilities and Capital: ................... 1,274,513 Number of Shares Outstanding: .................. 16,000 Directors: Danny Bunting; John Ed Chambers, III; Bill Donnell; Mike Donnell; Nathan George; Larry Hillyard; John Russell Meeks; Robert Mitchell; Tommy Papasan; Robert R. Redfern Branches in Town: One Other Branches: Amity, Atkins, Conway (2), Dardanelle (2), Dover, Elkins (2), Fayetteville, Fort Smith, Havana, Hot Springs, Hot Springs Village, Mansfield, Mena, Rogers, Russellville (2), Springdale, Van Buren, Waldron Bank of Delight Delight, AR VOICE: (870) 379-2293 FAX: (870) 379-2575 Trust Powers: No 503 East Antioch 71940 Charter Number: 342 Date: June 16, 1911 FDIC Certificate Number: 99 Home Page: www.bankofdelight.com Bank Holding Company None Chm/CEO: Darwin Hendrix EVP/CCO: Shane Meador Pres/COO: Vince Grimes Cash and Due from:...................................... 9,185 Federal Funds and Repos: ........................... 8,825 Investments: ............................................... 16,119 Net Loans: ................................................ 131,003 Premises and Fixed Assets:............................. 516 Other Real Estate: ........................................... 142 Other Assets: ................................................ 2,214 Total Assets: ............................................. 168,004 Total Trust Assets: ............................................... 0 Deposits: .................................................. 134,093 Federal Funds and Borrowings: .................. 10,221 Other Liabilities: ............................................... 495 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 144,809 Total Equity Capital: .................................... 23,195 Total Liabilities and Capital: ...................... 168,004 Number of Shares Outstanding: .................. 15,583 Directors: Rodney Fagan; Darwin Hendrix; David B. Hendrix; John D. Ledbetter; Jeff L. Milam; Randall Turner Branches in Town: None Other Branches: Gurdon, Prescott One Hundred and Ninth Report 41 First State Bank of DeQueen DeQueen, AR VOICE: (870) 642-4423 FAX: (870) 642-2847 Trust Powers: No Chm: Dennis Smiley CEO/Pres: Noel Bard 402 West Collin Raye Drive 71832 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 EVP: Jay O'Neal Cash and Due from: ...................................... 6,218 Federal Funds and Repos: .................................. 0 Investments: ................................................ 54,358 Net Loans:................................................. 226,701 Premises and Fixed Assets: ..........................6,694 Other Real Estate: ..............................................15 Other Assets: .............................................. 11,694 Total Assets: ............................................. 305,680 Total Trust Assets: .............................................. 0 Deposits: ...................................................273,270 Federal Funds and Borrowings: .....................8,549 Other Liabilities:.............................................4,317 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 286,136 Total Equity Capital: ....................................19,544 Total Liabilities and Capital: .......................305,680 Number of Shares Outstanding: ..................76,000 Directors: Noel Bard; Julie Brown; Gary Dan Futrell; Pace King; Dennis Smiley; Don Stemple; Angie Walker Branches in Town: One Other Branches: Dierks, Glenwood, Lockesburg, Murfreesboro, Nashville 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/CEO: L. Ashton Adcock EVP: Betty B. Trites Pres/CLO: B. Page Gill SVP/CFO/TO: Price E. Boney, Jr. Cash and Due from: ...................................... 6,157 Federal Funds and Repos: ............................9,325 Investments: ................................................ 13,062 Net Loans:................................................. 185,923 Premises and Fixed Assets: ..........................6,043 Other Real Estate: ............................................... 0 Other Assets: ................................................9,759 Total Assets: ............................................. 230,269 Total Trust Assets: .................................... 118,085 Deposits: ...................................................194,694 Federal Funds and Borrowings: ...................10,134 Other Liabilities:.............................................1,130 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 205,958 Total Equity Capital: ....................................24,311 Total Liabilities and Capital: .......................230,269 Number of Shares Outstanding: ..................40,000 Directors: L. Ashton Adcock; L. Sue Frank; John F. Freeman; Bruce Gasaway; B. Page Gill; Brooks A. Gill; James L. Hill; J. Michael Jones; Don Livingston; Lance Penfield; William W. Shea; David Walt Branches in Town: None Other Branches: Benton, Bryant 42 Arkansas State Bank Department First Financial Bank El Dorado, AR VOICE: (870) 863-7000 FAX: (870) 881-5393 Trust Powers: Yes 300 East Peach Street 71730 Charter Number: 778 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 J. Jerry CEO/Pres: Chris Hegi CRO: Sean H. Williams Cash and Due from:.................................... 78,252 Federal Funds and Repos: .............................. 627 Investments: ............................................. 158,456 Net Loans: ............................................. 1,197,011 Premises and Fixed Assets:........................ 22,208 Other Real Estate: ........................................ 8,927 Other Assets: .............................................. 89,830 Total Assets: .......................................... 1,555,311 Total Trust Assets: ............................................... 0 Deposits: ............................................... 1,237,121 Federal Funds and Borrowings: ................ 120,014 Other Liabilities: ............................................ 9,428 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,366,563 Total Equity Capital: .................................. 188,748 Total Liabilities and Capital: ................... 1,555,311 Number of Shares Outstanding: ................ 704,757 Directors: Jerry Bullard; J. Stephen Cameron; Chris Hegi; Melissa J. Jerry; Margaret M. Niel; Jeffrey W. Nolan; Gary W. Sewell; Dr. Stephen C. Smart; Sean H. Williams; Blake Williamson Branches in Town: Five Other Branches: Carthage[MS], Cherry Valley, Forrest City, Harrisburg (2), Little Rock, McCrory, Mena, Senatobia[MS], Smackover, Wynne (2) Bank of England England, AR VOICE: (501) 842-2555 FAX: (501) 842-2422 Trust Powers: No 123 South Main Street 72046 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 CEO/Pres: Gary Canada, Jr. Cash: Christy Mackey CFO: Amanda Robinson Cash and Due from:.................................... 40,817 Federal Funds and Repos: ........................... 1,775 Investments: ............................................... 82,635 Net Loans: ................................................ 273,525 Premises and Fixed Assets:.......................... 8,506 Other Real Estate: ........................................... 139 Other Assets: .............................................. 60,698 Total Assets: ............................................. 468,095 Total Trust Assets: ............................................... 0 Deposits: .................................................. 322,036 Federal Funds and Borrowings: .................. 48,000 Other Liabilities: .......................................... 23,225 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 393,261 Total Equity Capital: .................................... 74,834 Total Liabilities and Capital: ...................... 468,095 Number of Shares Outstanding: .................. 10,000 Directors: Gary Canada, Jr.; Gary Canada, Sr.; Allen Evans; Gregory M. Hopkins; Nicole Canada Luebke Branches in Town: One Other Branches: Carlisle, Little Rock, Lonoke, North Little Rock One Hundred and Ninth Report 43 CS Bank Eureka Springs, AR VOICE: (479) 253-2265 FAX: (479) 253-1165 Trust Powers: No 70 South Main 72632 Charter Number: 374 Date: May 4, 1912 FDIC Certificate Number: 5635 Home Page: www.cs.bank Bank Holding Company Eureka Bancshares, Inc., Eureka Springs, AR CEO: Charles T. Cross EVP: Melissa Casey Pres/CLO: Jason F. Tennant Cash and Due from: .................................... 23,989 Federal Funds and Repos: ...............................375 Investments: ................................................ 36,137 Net Loans:................................................. 417,398 Premises and Fixed Assets: ........................ 19,037 Other Real Estate: ..............................................77 Other Assets: .............................................. 12,583 Total Assets: ............................................. 509,596 Total Trust Assets: .............................................. 0 Deposits: ...................................................418,376 Federal Funds and Borrowings: ...................31,248 Other Liabilities:.............................................5,529 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 455,153 Total Equity Capital: ....................................54,443 Total Liabilities and Capital: .......................509,596 Number of Shares Outstanding: ..................40,000 Directors: Genes L. Bland; Booker Cox, III; Charles T. Cross; John F. Cross, Sr.; Johnice Cross; William E. Goff; Rex A. Gustin; Daniel J. Mumaugh; Dale E. Steffens; Mark Stone; Jason F. Tennant; Randy Wolfinbarger Branches in Town: One Other Branches: Berryville, Cassville[MO], Harrison, Holiday Island, Huntsville 44 Arkansas State Bank Department Arvest Bank Fayetteville, AR VOICE: (479) 750-1400 FAX: (479) 770-1615 Trust Powers: Yes 75 North East Avenue 72701 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/CRO: Cara James Cash and Due from:.................................. 726,092 Federal Funds and Repos: .................................. 0 Investments: .......................................... 7,614,315 Net Loans: ........................................... 16,545,689 Premises and Fixed Assets:...................... 522,404 Other Real Estate: ........................................ 3,689 Other Assets: ......................................... 1,849,669 Total Assets: ........................................ 27,261,858 Total Trust Assets: ................................. 4,103,665 Deposits: ............................................. 21,256,764 Federal Funds and Borrowings: ............. 3,736,113 Other Liabilities: ........................................ 464,330 Subordinated Debt: .............................................. 0 Total Liabilities: .................................... 25,457,207 Total Equity Capital: ............................... 1,804,651 Total Liabilities and Capital: ................. 27,261,858 Number of Shares Outstanding: ................ 350,692 Directors: Laura Andress; Cara James; Bradley Krieger; Matt Machen; Laura Merling; Karla S. Payne; Craig Rivaldo; K. Kevin Sabin; Rodney Shepard; Jim C. Walton Branches in Town: Six Other Branches: Alma, Anderson[MO], Aurora[MO], Bartlesville[OK] (4), Bella Vista (3), Belton[MO], Benton, Bentonville (7), Berryville, Branson[MO], Branson West[MO], Broken Arrow[OK] (3), Bryant, Cabot, Carthage[MO] (2), Cassville[MO], Centerton, Chickasha[OK], Clarksville, Conway (4), Del City[OK], Dewey[OK] (2), Duncan[OK] (3), Edmond[OK] (3), Elgin[OK], Elkins, Eufaula[OK], Eureka Springs, Farmington, Flippin, Fort Smith (6), Gardner[KS], Gentry, Gladstone[MO], Glenpool[OK], Gravette, Greenwood, Grove[OK], Harrison (2), Hollister[MO], Hot Springs (4), Hot Springs Village, Huntsville (2), Independence[MO], Jacksonville, Jay[OK], Jenks[OK], Jonesboro (2), Joplin[MO] (4), Kansas [OK], Kansas City[MO] (6), Lamar[MO], Lawton[OK] (4), Leawood[KS], Lebanon[MO], Lee's Summit[MO] (2), Lenexa[KS], Lincoln, Little Rock (7), Lockwood[MO], Lowell, Marshfield[MO], McAlester[OK], Mena, Miami[OK], Midwest City[OK], Mission[KS], Monett[MO], Moore[OK] (2), Morrilton, Mountain Home (3), Muskogee[OK] (2), Neosho[MO], Nevada[MO], Nixa[MO], Norman[OK] (5), North Little Rock (3), Nowata[OK] (2), Oklahoma City[OK] (5), Okmulgee[OK], Olathe[KS], Ottawa[KS], Overland Park[KS] (2), Owasso[OK] (2), Pea Ridge, Pittsburg[KS], Poteau[OK], Prairie Grove, Pryor[OK], Rogers (7), Russellville (3), Sallisaw[OK], Sapulpa[OK], Shawnee[KS], Shawnee[OK] (2), Sherwood (2), Siloam Springs (3), Springdale (7), Springfield[MO] (6), Stillwater[OK], Stilwell[OK], Tahlequah[OK] (2), Tulsa[OK] (15), Van Buren (2), Wagoner[OK], Waldron, Webb City[MO], West Fork, Westville[OK], Yellville, Yukon[OK] One Hundred and Ninth Report 45 Signature Bank of Arkansas Fayetteville, AR VOICE: (479) 684-3700 FAX: (479) 684-3797 Trust Powers: Yes 3878 N. Crossover Road, Suite 20 72703 Charter Number: 660 Date: August 28, 1933 FDIC Certificate Number: 89 Home Page: www.signature.bank Member of Federal Reserve System Bank Holding Company White River Bancshares Company, Fayetteville, AR Chm/CEO: Gary R. Head CFO: Edward P. Riendeau Pres: Brant Ward CLO/Sec: Daniel J. Lewis Cash and Due from: .................................... 32,194 Federal Funds and Repos: .................................. 0 Investments: ................................................ 98,506 Net Loans:................................................. 865,100 Premises and Fixed Assets: ........................ 29,717 Other Real Estate: ............................................... 0 Other Assets: .............................................. 28,463 Total Assets: .......................................... 1,053,980 Total Trust Assets: .............................................. 0 Deposits: ...................................................892,526 Federal Funds and Borrowings: ...................38,018 Other Liabilities:...........................................25,120 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 955,664 Total Equity Capital: ....................................98,316 Total Liabilities and Capital: .................... 1,053,980 Number of Shares Outstanding: ..................30,000 Directors: Adam Arroyos; Dr. John A. Dominick; Gary R. Head; Michael E. Hill; Greg W. Lee; Hope W. Lundt; David McConnell; Todd Simmons; Matthew Trulove Branches in Town: None Other Branches: Bentonville, Brinkley (2), Harrison, Jonesboro, Rogers (2), Springdale FBT Bank & Mortgage Fordyce, AR VOICE: (870) 352-3107 FAX: (870) 352-5202 Trust Powers: Yes 200 West Fourth Street 71742 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 Cash and Due from: .................................... 43,396 Federal Funds and Repos: .................................. 0 Investments: ................................................ 58,420 Net Loans:................................................. 125,801 Premises and Fixed Assets: ..........................2,318 Other Real Estate: ............................................... 0 Other Assets: ................................................5,575 Total Assets: ............................................. 235,510 Total Trust Assets: ........................................1,064 Deposits: ...................................................204,015 Federal Funds and Borrowings: ...................18,000 Other Liabilities:.............................................1,290 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 223,305 Total Equity Capital: ....................................12,205 Total Liabilities and Capital: .......................235,510 Number of Shares Outstanding: ....................8,000 Directors: Joe D. Barnes; 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 46 Arkansas State Bank Department Armor Bank Forrest City, AR VOICE: (870) 633-1525 FAX: (870) 633-8212 Trust Powers: Yes 715 North Washington 72335 Charter Number: 802 Date: June 28, 2018 FDIC Certificate Number: 28812 Home Page: www.armor.bank Member of Federal Reserve System Bank Holding Company Forrest City Financial Corporation, Marianna, AR Chm: Mark Waldrip SVP: Nathan M. Waldrip CEO/Pres: Chad T. May CLO: T. Courtney Menefee Cash and Due from:.................................... 12,504 Federal Funds and Repos: ........................... 7,425 Investments: ............................................... 48,603 Net Loans: ................................................ 309,464 Premises and Fixed Assets:........................ 19,846 Other Real Estate: ............................................... 0 Other Assets: ................................................ 9,496 Total Assets: ............................................. 407,338 Total Trust Assets: ............................................... 0 Deposits: .................................................. 372,147 Federal Funds and Borrowings: .................... 3,000 Other Liabilities: ............................................ 1,209 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 376,356 Total Equity Capital: .................................... 30,982 Total Liabilities and Capital: ...................... 407,338 Number of Shares Outstanding: ................ 229,233 Directors: Charles A. Banks; Bradley J. Beavers; Stephen W. Edwards, Sr.; Andrew F. Higginbothom; Chad T. May; Mark Waldrip; Nathan M. Waldrip Branches in Town: One Other Branches: Hot Springs, Jonesboro, Little Rock (2), Marianna, Marked Tree, Trumann, Tyronza 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 Member of Federal Reserve System Bank Holding Company First National Bancorp, Inc., Green Forest, AR Chm/CEO: Stephen E. Stafford SVP/CFO: Marcus Walser Pres: Brad King SVP/COO: Shelby Bruffett Cash and Due from:.................................... 22,661 Federal Funds and Repos: ......................... 40,500 Investments: ............................................. 183,478 Net Loans: ................................................ 702,410 Premises and Fixed Assets:........................ 19,562 Other Real Estate: ............................................... 0 Other Assets: .............................................. 33,849 Total Assets: .......................................... 1,002,460 Total Trust Assets: ............................................... 0 Deposits: .................................................. 906,202 Federal Funds and Borrowings: .................. 10,916 Other Liabilities: .......................................... 10,379 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 927,497 Total Equity Capital: .................................... 74,963 Total Liabilities and Capital: ................... 1,002,460 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 (2), Norfork One Hundred and Ninth Report 47 First Service Bank Greenbrier, AR VOICE: (501) 679-7200 FAX: (501) 764-4260 Trust Powers: No 136 South Broadview 72058 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 CEO/Pres: Thomas H. Grumbles CFO: Andy Grumbles SVP: Darla McJunkins COO/Mtg CEO: Robin Hackett Cash and Due from: .................................... 14,524 Federal Funds and Repos: .......................... 16,200 Investments: ................................................ 39,062 Net Loans:................................................. 492,043 Premises and Fixed Assets: ........................ 13,814 Other Real Estate: ............................................974 Other Assets: .............................................. 18,694 Total Assets: ............................................. 595,311 Total Trust Assets: .............................................. 0 Deposits: ...................................................512,334 Federal Funds and Borrowings: ...................25,000 Other Liabilities:.............................................3,608 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 540,942 Total Equity Capital: ....................................54,369 Total Liabilities and Capital: .......................595,311 Number of Shares Outstanding: ..................15,000 Directors: 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, Mountain View, Yellville Farmers Bank Greenwood, AR VOICE: (479) 996-4171 FAX: (479) 996-6700 Trust Powers: Yes 71 West Center Street 72936 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: ...................................... 7,359 Federal Funds and Repos: .......................... 10,125 Investments: ................................................ 81,838 Net Loans:................................................. 156,745 Premises and Fixed Assets: ........................ 10,731 Other Real Estate: ..............................................71 Other Assets: .............................................. 13,980 Total Assets: ............................................. 280,849 Total Trust Assets: ........................................1,074 Deposits: ...................................................247,739 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................1,010 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 248,749 Total Equity Capital: ....................................32,100 Total Liabilities and Capital: .......................280,849 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: Bonanza, Fort Smith (2), Hackett, Hartford, Huntington, Lavaca, Mansfield 48 Arkansas State Bank Department Partners Bank Helena, AR VOICE: (870) 338-6451 FAX: (870) 338-6306 Trust Powers: Yes 302 Cherry Street 72342 Charter Number: 803 Date: October 18, 2018 FDIC Certificate Number: 15729 Home Page: www.partnersbnk.com Bank Holding Company Helena Bancshares, Inc., Helena, AR CEO/Pres: Vance G. St. Columbia EVP/CFO: Leslie Harp EVP/CCO: Phil Thomas Cash and Due from:.................................... 11,757 Federal Funds and Repos: .............................. 375 Investments: ............................................... 27,761 Net Loans: ................................................ 354,627 Premises and Fixed Assets:.......................... 4,917 Other Real Estate: ............................................... 0 Other Assets: .............................................. 14,033 Total Assets: ............................................. 413,470 Total Trust Assets: ............................................... 0 Deposits: .................................................. 334,269 Federal Funds and Borrowings: .................. 36,500 Other Liabilities: ............................................ 2,729 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 373,498 Total Equity Capital: .................................... 39,972 Total Liabilities and Capital: ...................... 413,470 Number of Shares Outstanding: ................ 500,000 Directors: Murray Benton; John S. Cooper; Thomas "Larry" Delk; Leslie Harp; Jerry L. Kelley; Barry Lawrence; Tommie E. Shackelford, Jr.; Vance G. St. Columbia; Harry G. Stephens, Jr.; Rhodes Thompson; Ed Wright Branches in Town: One Other Branches: Conway, Marion, Marvell, Springdale, West Helena, Wynne Horatio State Bank Horatio, AR VOICE: (870) 832-2501 FAX: (870) 832-2577 Trust Powers: No 123 Main Street 71842 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:.................................... 13,998 Federal Funds and Repos: .............................. 250 Investments: ............................................... 28,482 Net Loans: ................................................ 225,839 Premises and Fixed Assets:.......................... 1,563 Other Real Estate: ............................................. 18 Other Assets: ................................................ 9,016 Total Assets: ............................................. 279,166 Total Trust Assets: ............................................... 0 Deposits: .................................................. 247,861 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 646 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 248,507 Total Equity Capital: .................................... 30,659 Total Liabilities and Capital: ...................... 279,166 Number of Shares Outstanding: .................... 2,000 Directors: Margaret S. Griffin; Michael B. Griffin; Carl E. Hendrix, III; Dani Hendrix; Edith H. Smith; Elizabeth H. Trimble; Todd B. Trimble Branches in Town: None Other Branches: Ashdown, Foreman One Hundred and Ninth Report 49 Today's Bank Huntsville, AR VOICE: (479) 582-0700 FAX: (479) 251-8253 Trust Powers: Yes 432 Harmony Road 72740 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/CFO: Brittany Little CEO/Pres: David Scruggs EVP/COO: Marivel Radcliffe Cash and Due from: .................................... 31,194 Federal Funds and Repos: ...............................650 Investments: ................................................ 49,674 Net Loans:................................................. 231,936 Premises and Fixed Assets: ..........................8,142 Other Real Estate: .........................................2,574 Other Assets: ................................................ 8,018 Total Assets: ............................................. 332,188 Total Trust Assets: .............................................. 0 Deposits: ...................................................278,945 Federal Funds and Borrowings: ...................26,365 Other Liabilities:.............................................4,954 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 310,264 Total Equity Capital: ....................................21,924 Total Liabilities and Capital: .......................332,188 Number of Shares Outstanding: ..................27,000 Directors: Robert Lloyd; Sam Mathias; Larry Olson; Marivel Radcliffe; David Scruggs; Arthur Thurman Branches in Town: One Other Branches: Alma, Fayetteville (2), Mansfield, Mulberry (2), Ozark, Springdale, Van Buren First Arkansas Bank & Trust Jacksonville, AR VOICE: (501) 982-4511 FAX: (501) 982-5769 Trust Powers: Yes 600 West Main Street 72076 Charter Number: 701 Date: August 2, 1949 FDIC Certificate Number: 16849 Home Page: www.fabandt.bank Bank Holding Company First Arkansas BancShares, Inc., Jacksonville, AR Chm/CEO: Larry T. Wilson EVP/CFO: Kim Cullum Pres/COO: Mark Wilson SVP/TO: Shelia De Armond Cash and Due from: .................................... 15,464 Federal Funds and Repos: .................................. 0 Investments: .............................................. 218,518 Net Loans:................................................. 666,798 Premises and Fixed Assets: ........................ 21,714 Other Real Estate: ............................................685 Other Assets: .............................................. 76,446 Total Assets: ............................................. 999,625 Total Trust Assets: .................................... 237,189 Deposits: ...................................................820,564 Federal Funds and Borrowings: ...................80,782 Other Liabilities:...........................................17,138 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 918,484 Total Equity Capital: ....................................81,141 Total Liabilities and Capital: .......................999,625 Number of Shares Outstanding: ................200,000 Directors: Tommy Bond; Jamie Cobb; Chevron Ergle; James E. Peacock; Kathryn W. Roberts; Ali Sugg; Larry T. Wilson; Mark Wilson; Michael K. Wilson Branches in Town: Four Other Branches: Austin, Cabot (3), Clinton, Conway, Damascus, Gravel Ridge, Greenbrier, Greers Ferry, Guy, Heber Springs (2), Quitman, Sherwood (2) 50 Arkansas State Bank Department The Bank of Lake Village Lake Village, AR VOICE: (870) 265-2241 FAX: (870) 265-2125 Trust Powers: No 201 Main Street 71653 Charter Number: 675 Date: October 14, 1937 FDIC Certificate Number: 15547 Home Page: www.bankoflakevillage.com Member of Federal Reserve System Bank Holding Company Southeast Arkansas Bank Corporation, Lake Village, AR Chm: Charles H. Weissinger, Jr. VChm: Guy M. Weissinger CEO/Pres/Sec: John T. Potter Cash and Due from:...................................... 3,662 Federal Funds and Repos: .................................. 0 Investments: ............................................... 21,495 Net Loans: .................................................. 59,341 Premises and Fixed Assets:............................. 793 Other Real Estate: ............................................... 0 Other Assets: ................................................ 3,246 Total Assets: ............................................... 88,537 Total Trust Assets: ............................................... 0 Deposits: .................................................... 70,342 Federal Funds and Borrowings: .................... 8,500 Other Liabilities: ............................................... 259 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 79,101 Total Equity Capital: ...................................... 9,436 Total Liabilities and Capital: ........................ 88,537 Number of Shares Outstanding: .................. 60,000 Directors: Terence J. Alpe; Sam E. Angel, II; William W. Bunker, Jr.; Dr. John P. Burge, Sr.; David F. Gillison, Jr.; John T. Potter; Charles H. Weissinger, III; Charles H. Weissinger, Jr.; Guy M. Weissinger Branches in Town: One Other Branches: None Bank of Little Rock Little Rock, AR VOICE: (501) 376-0800 FAX: (501) 376-1642 Trust Powers: Yes 200 North State Street 72201 Charter Number: 748 Date: May 4, 1989 FDIC Certificate Number: 91280 Home Page: www.bankoflittlerock.com Member of Federal Reserve System Bank Holding Company Little Rock Bankshares, Inc., Little Rock, AR Chm/CEO: Eugene L. Maris CFO: Donna Hall Pres: Kim Markland Cash and Due from:...................................... 6,071 Federal Funds and Repos: ........................... 8,100 Investments: ............................................. 163,253 Net Loans: ................................................ 115,978 Premises and Fixed Assets:.......................... 6,918 Other Real Estate: ............................................... 0 Other Assets: ................................................ 4,011 Total Assets: ............................................. 304,331 Total Trust Assets: ............................................... 0 Deposits: .................................................. 267,473 Federal Funds and Borrowings: ........................... 0 Other Liabilities: .......................................... 15,324 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 282,797 Total Equity Capital: .................................... 21,534 Total Liabilities and Capital: ...................... 304,331 Number of Shares Outstanding: ................ 100,000 Directors: Eugene L. Maris; Kim Markland; James M. May, III; Scott A. McElmurry; Steven C. Russell Branches in Town: Four Other Branches: None One Hundred and Ninth Report 51 Bank OZK Little Rock, AR VOICE: (501) 978-2265 FAX: (501) 978-2282 Trust Powers: Yes 18000 Cantrell Road 72223 Charter Number: 121 Date: March 24, 1903 FDIC Certificate Number: 110 Home Page: www.ozk.com Bank Holding Company None Chm/CEO: George G. Gleason, II TO: Chris Henry CFO: Tim Hicks Cash and Due from: ............................... 1,454,789 Federal Funds and Repos: .................................. 0 Investments: ........................................... 3,262,366 Net Loans:............................................ 23,344,258 Premises and Fixed Assets: ...................... 670,262 Other Real Estate: ....................................... 61,564 Other Assets: ......................................... 1,968,631 Total Assets: ........................................ 30,761,870 Total Trust Assets: ................................. 2,617,402 Deposits: .............................................. 23,983,397 Federal Funds and Borrowings: .............. 1,104,478 Other Liabilities:......................................... 395,102 Subordinated Debt: ................................... 469,002 Total Liabilities: .................................... 25,951,979 Total Equity Capital: ............................... 4,809,891 Total Liabilities and Capital: .................. 30,761,870 Number of Shares Outstanding: ......... 127,145,449 Directors: Nicholas A. Brown; Paula Cholmondeley; Beverly Cole; Robert C. East; Kathleen M. Franklin; Jeffrey Gearhart; George G. Gleason, II; Peter C. Kenny; Bill Koefoed; Christopher Orndorff; Steven Sadoff; Ross M. Whipple Branches in Town: Eight Other Branches: Adairsville[GA], Advance[NC], Allen[TX], Alma, Altus, Apollo Beach[FL], Arkadelphia (2), Asheboro[NC], Atlanta[GA] (2), Auburn[GA], Austin[TX], Aventura[FL], Bainbridge[GA] (2), Bella Vista (2), Belleair Bluffs[FL], Belmont[NC], Benton (3), Bentonville (2), Bessemer City[NC], Blairsville[GA], Blue Ridge[GA], Bogart[GA], Boiling Springs[NC], Bonita Springs[FL], Bradenton[FL] (5), Braselton[GA], Bremen[GA], Brunswick[GA], Bryant, Buchanan[GA], Buford[GA], Cabot, 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, Clearwater[FL], Clinton, Columbus[GA], Concord[NC], Conway (4), Conyers[GA], Coral Gables[FL], Cornelia[GA], Cornelius[NC], Cumming[GA] (3), Dahlonega[GA], Dallas[GA], Dallas[TX] (2), Dalton[GA], Dawsonville[GA], Decatur[GA], Doral[FL], Douglasville[GA] (2), East Point[GA], Ellijay[GA] (2), Fayetteville (3), Forest City[NC], Fort Lauderdale[FL], Fort Myers[FL] (3), Fort Smith (3), Fort Worth[TX], Franklin[GA], Frisco[TX] (2), Gastonia[NC], Grayson[GA], Harrisburg[NC], Harrison (2), Hope (2), Hot Springs (6), Hot Springs Village, Houston[TX] (4), Jacksonville[FL] (2), Jacksonville Beach[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), Malvern (2), Marble Hill[GA], Marietta[GA], Marshall, Maumelle, McDonough[GA], McKinney[TX], Miami[FL], Miami Beach[FL], Mocksville[NC], Mountain Home (2), Mulberry, Newnan[GA], North Little Rock (3), Oakwood[GA], Ocala[FL], Oldsmar[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 (2), 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] (4), Texarkana, Texarkana[TX], The Colony[TX], Valdosta[GA] (3), Van Buren (2), Villa Rica[GA], Watkinsville[GA], Western Grove, Wilmington[NC], Winder[GA] (2), Winston-Salem[NC], Woodstock[GA], Yellville, Zephyrhills[FL] 52 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 Date: August 12, 1912 FDIC Certificate Number: 1756 Home Page: www.centralbankar.com Bank Holding Company Cross County Bancshares, Inc., Wynne, AR Chm: R. Steve Roberson Reg Pres : David Bordovsky CEO: Wade Ruckle SVP/Cash: Brandy Thiele Cash and Due from:...................................... 5,400 Federal Funds and Repos: ......................... 14,162 Investments: ............................................... 54,921 Net Loans: ................................................ 390,075 Premises and Fixed Assets:.......................... 1,733 Other Real Estate: ............................................... 0 Other Assets: ................................................ 8,222 Total Assets: ............................................. 474,513 Total Trust Assets: ............................................... 0 Deposits: .................................................. 391,709 Federal Funds and Borrowings: .................. 41,507 Other Liabilities: ............................................ 1,462 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 434,678 Total Equity Capital: .................................... 39,835 Total Liabilities and Capital: ...................... 474,513 Number of Shares Outstanding: ................ 184,019 Directors: David Bordovsky; James R. Burks; Steven Collier; Patricia Davidson; David Dowd; John Reese; R. Steven Roberson; Wade Ruckle; Bruce Schratz, Jr. Branches in Town: One Other Branches: Bentonville Eagle Bank & Trust Company Little Rock, AR VOICE: (501) 223-2000 FAX: (501) 223-0373 Trust Powers: Yes Chm: Cathy H. Owen CEO/Pres: Jeff Lynch 650 South Shackleford, Suite 150 Charter Number: 735 72211 Date: May 27, 1977 FDIC Certificate Number: 3873 Home Page: www.eaglebank.com Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR EVP: Paul Castleberry Cash and Due from:...................................... 9,773 Federal Funds and Repos: .............................. 137 Investments: ............................................. 258,409 Net Loans: ................................................ 162,793 Premises and Fixed Assets:.......................... 8,299 Other Real Estate: ........................................ 1,947 Other Assets: .............................................. 19,477 Total Assets: ............................................. 460,835 Total Trust Assets: ............................................... 0 Deposits: .................................................. 402,516 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 2,824 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 405,340 Total Equity Capital: .................................... 55,495 Total Liabilities and Capital: ...................... 460,835 Number of Shares Outstanding: .................. 27,965 Directors: Andrew H. Hastings; H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings, Sr.; Bill G. Lynch; Jeff Lynch; Cathy H. Owen Branches in Town: None Other Branches: Drasco, Fairfield Bay, Gravel Ridge, Greers Ferry, Heber Springs (2), North Little Rock, Quitman, Rose Bud, Sherwood (2), Vilonia One Hundred and Ninth Report 53 Encore Bank Little Rock, AR VOICE: (501) 228-6000 FAX: (501) 228-6006 Trust Powers: Yes 1801 Rahling Road, Suite 100 Charter Number: 771 72223 Date: July 30, 1997 FDIC Certificate Number: 34562 Home Page: www.bankencore.com Member of Federal Reserve System Bank Holding Company Encore Bancshares, Inc., Little Rock, AR Chm/CEO: Chris Roberts EVP/COO: Burt Hicks VChm/CBO: Phillip Jett Cash and Due from: .................................... 35,513 Federal Funds and Repos: ...............................200 Investments: .............................................. 815,615 Net Loans:.............................................. 2,957,016 Premises and Fixed Assets: ........................ 34,772 Other Real Estate: ............................................... 0 Other Assets: ............................................ 182,232 Total Assets: .......................................... 4,025,348 Total Trust Assets: .............................................. 0 Deposits: ................................................ 2,705,818 Federal Funds and Borrowings: .................997,900 Other Liabilities:...........................................45,868 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 3,749,586 Total Equity Capital: ..................................275,762 Total Liabilities and Capital: .................... 4,025,348 Number of Shares Outstanding: ..................32,013 Directors: John Allen; Derek Alley; Kelly Brown; Brian A. Butler; Marcella "Marcy" Doderer; Garrett Frost; Elizabeth Glasbrenner; Burt Hicks; Phillip Jett; Matt Johnner; Rita Lowman; Chad McNair; Tim O'Reilly; Chris Roberts Branches in Town: One Other Branches: Austin[TX], Charleston[SC], Charlotte[NC] (2), Dallas[TX], Fayetteville, Fort Worth[TX], Jonesboro, Nashville[TN] (2), Plano[TX], Rogers, San Antonio[TX], Springfield[MO], Tampa[FL], Winston-Salem[NC] First State Bank Lonoke, AR VOICE: (501) 676-3106 FAX: (501) 676-5046 Trust Powers: No 101 South Center Street 72086 Charter Number: 670 Date: March 9, 1935 FDIC Certificate Number: 15050 Home Page: www.firststatebk.com Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Chm: Neil Bennett, Jr. CFO: Melissa Halpain CEO/Pres: Kevin F. "Kip" Norton Cash and Due from: .................................... 11,764 Federal Funds and Repos: .................................. 0 Investments: ................................................ 65,290 Net Loans:................................................. 205,505 Premises and Fixed Assets: ..........................5,979 Other Real Estate: ............................................... 0 Other Assets: ................................................4,612 Total Assets: ............................................. 293,150 Total Trust Assets: .............................................. 0 Deposits: ...................................................266,386 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 502 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 266,888 Total Equity Capital: ....................................26,262 Total Liabilities and Capital: .......................293,150 Number of Shares Outstanding: ..................16,000 Directors: Alan W. Barksdale; Neil Bennett, Jr.; William Fletcher, Jr.; J. Walls McCrary; Daina B. Newcomb; Kevin F. "Kip" Norton; Wade Ruckle; Ginger M. Stuart Branches in Town: One Other Branches: Carlisle, Fayetteville, Gurdon, Heber Springs Arkansas State Bank Department 54 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 CEO/Pres: Chris Gosnell CLO: Dave White CFO: Drew Chandler Cash and Due from:.................................... 51,868 Federal Funds and Repos: ......................... 12,275 Investments: ............................................. 575,857 Net Loans: ............................................. 1,845,940 Premises and Fixed Assets:........................ 57,390 Other Real Estate: ............................................... 0 Other Assets: ............................................ 129,728 Total Assets: .......................................... 2,673,058 Total Trust Assets: .................................... 126,412 Deposits: ............................................... 2,408,494 Federal Funds and Borrowings: .................. 55,051 Other Liabilities: .......................................... 20,200 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 2,483,745 Total Equity Capital: .................................. 189,313 Total Liabilities and Capital: ................... 2,673,058 Number of Shares Outstanding: ................ 100,000 Directors: John E. Alexander, Jr.; Mike Boyd; Bob L. Burns; Dr. Jason Franks; Chris Gosnell; Sonja Hubbard; Bruce D. Maloch; T. E. Smith Branches in Town: Three Other Branches: Ashdown, Broken Bow[OK], Bryant, Camden (3), DeQueen, Dierks, Glenwood, Haskell, Hope (2), Idabel[OK], Lewisville, Malvern (2), Mount Ida, Nashville, New Boston[TX], Paris, Paris[TX] (2), Prescott, Prosper[TX], Taylor, Texarkana (2), Texarkana[TX] (2) The Peoples Bank Magnolia, AR VOICE: (870) 234-5777 FAX: (870) 912-0647 Trust Powers: Yes 500 North Jackson 71753 Charter Number: 313 Date: June 22, 1910 FDIC Certificate Number: 12531 Home Page: www.pbmag.com Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm: S. Clark Fincher Pres: Jamie Waller CEO: Mary L. Fowler CFO: Jonathan Baird Cash and Due from:.................................... 11,105 Federal Funds and Repos: ........................... 5,600 Investments: ............................................... 18,301 Net Loans: ................................................ 187,018 Premises and Fixed Assets:.......................... 5,292 Other Real Estate: ............................................... 0 Other Assets: ................................................ 9,791 Total Assets: ............................................. 237,107 Total Trust Assets: ............................................... 0 Deposits: .................................................. 168,037 Federal Funds and Borrowings: .................. 42,155 Other Liabilities: ............................................... 722 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 210,914 Total Equity Capital: .................................... 26,193 Total Liabilities and Capital: ...................... 237,107 Number of Shares Outstanding: .................. 10,000 Directors: Brian Baird; Jonathan Baird; S. Clark Fincher; Mary L. Fowler; Sharon Gathright; Betty Harris; Stephen Harris; Molly Mitchell; J. David Scott; Laura Scott; Jamie Waller Branches in Town: Two Other Branches: Waldo One Hundred and Ninth Report 55 First NaturalState Bank McGehee, AR VOICE: (870) 222-3880 FAX: (870) 222-4853 Trust Powers: Yes 500 North Second Street 71654 Charter Number: 798 Date: January 21, 2016 FDIC Certificate Number: 21379 Home Page: www.fnsbank.com Member of Federal Reserve System Bank Holding Company First National Financial Corporation, McGehee, AR CEO/Pres: Jim R. Daniels SVP: Fran Childress SVP: Jacob Box SVP/CFO: Andrea Williams Cash and Due from: ...................................... 2,749 Federal Funds and Repos: .................................. 0 Investments: ................................................ 15,065 Net Loans:................................................... 66,838 Premises and Fixed Assets: .............................775 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,767 Total Assets: ............................................... 87,194 Total Trust Assets: ...........................................627 Deposits: .....................................................75,215 Federal Funds and Borrowings: .....................3,625 Other Liabilities:............................................... 138 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................78,978 Total Equity Capital: ......................................8,216 Total Liabilities and Capital: .........................87,194 Number of Shares Outstanding: ..................68,000 Directors: Jim R. Daniels; Gibbs B. Ferguson; Dewey E. Johnson; Robert E. Lucky, Sr.; Robert Smith Moore, Jr.; Charles A. Pambianchi Branches in Town: One Other Branches: Dumas McGehee Bank McGehee, AR VOICE: (870) 222-3151 FAX: (870) 222-6159 Trust Powers: Yes 301 North Second Street 71654 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 EVP/CFO: Jim S. Youngblood VP/Cash: Stephen Wilson Cash and Due from: ...................................... 4,169 Federal Funds and Repos: ............................5,825 Investments: ................................................ 35,202 Net Loans:................................................... 99,137 Premises and Fixed Assets: .............................563 Other Real Estate: ............................................... 0 Other Assets: ................................................ 6,494 Total Assets: ............................................. 151,390 Total Trust Assets: .................................... 120,968 Deposits: ...................................................124,639 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 909 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 125,548 Total Equity Capital: ....................................25,842 Total Liabilities and Capital: .......................151,390 Number of Shares Outstanding: ................355,000 Directors: William W. Bowman; David S. Leech; Jeff Owyoung; John H. Potter, Jr.; Don M. Smith; James M. Smith; Jim Whitaker; Jim S. Youngblood Branches in Town: One Other Branches: Arkansas City, Watson Arkansas State Bank Department 56 The Union Bank of Mena Mena, AR VOICE: (479) 394-2211 FAX: (479) 394-8901 Trust Powers: No Chm: David Maddox Pres: Kevin Williams 303 Highway 71 North 71953 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 SVP: Jason Sullivan Cash and Due from:.................................... 10,840 Federal Funds and Repos: .................................. 0 Investments: ............................................. 102,987 Net Loans: ................................................ 222,399 Premises and Fixed Assets:.......................... 3,409 Other Real Estate: ............................................... 0 Other Assets: ................................................ 7,064 Total Assets: ............................................. 346,699 Total Trust Assets: ............................................... 0 Deposits: .................................................. 294,637 Federal Funds and Borrowings: .................. 20,800 Other Liabilities: ............................................ 3,725 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 319,162 Total Equity Capital: .................................... 27,537 Total Liabilities and Capital: ...................... 346,699 Number of Shares Outstanding: .................. 12,000 Directors: John A. Crawford; Philip B. Hensley; David Maddox; John Maddox; Jeff Montgomery; Michael Myers; Paul T. Plunkett; Phillip Stevenson; Kevin Williams; Phillip Wilson; Jarrod Yarnell 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/COO: Todd D. Smith TO: Nick Temple Cash and Due from:...................................... 9,827 Federal Funds and Repos: .................................. 0 Investments: ............................................... 80,015 Net Loans: ................................................ 150,155 Premises and Fixed Assets:.......................... 1,385 Other Real Estate: ............................................. 74 Other Assets: ................................................ 9,173 Total Assets: ............................................. 250,629 Total Trust Assets: ...................................... 17,851 Deposits: .................................................. 231,283 Federal Funds and Borrowings: .................... 9,675 Other Liabilities: ............................................... 589 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 241,547 Total Equity Capital: ...................................... 9,082 Total Liabilities and Capital: ...................... 250,629 Number of Shares Outstanding: .................... 8,000 Directors: C. C. Gibson, III; George T. Harris; R. D. Jones, III; Wayne L. Owen, Jr.; Bennie Ryburn, III; Ray Ryburn; Todd D. Smith; Mike Ward Branches in Town: Four Other Branches: None One Hundred and Ninth Report 57 Union Bank & Trust Company Monticello, AR VOICE: (870) 460-6400 FAX: (870) 460-6464 Trust Powers: Yes 102 West McCloy 71657 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: ...................................... 7,106 Federal Funds and Repos: .................................. 0 Investments: ................................................ 52,984 Net Loans:................................................. 224,603 Premises and Fixed Assets: ..........................3,714 Other Real Estate: ............................................... 0 Other Assets: .............................................. 10,881 Total Assets: ............................................. 299,288 Total Trust Assets: ...................................... 33,648 Deposits: ...................................................254,558 Federal Funds and Borrowings: ...................21,549 Other Liabilities:.............................................2,404 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 278,511 Total Equity Capital: ....................................20,777 Total Liabilities and Capital: .......................299,288 Number of Shares Outstanding: ..................80,000 Directors: Mike Akin; Whit Barton; Charles F. Dearman, Jr.; Dave Dickson; John S. McClendon; Robin McClendon; Zach McClendon, Jr.; Thomas M. Smith; Joel Stevens 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: .................................... 45,436 Federal Funds and Repos: ...............................476 Investments: ................................................ 76,717 Net Loans:................................................. 106,128 Premises and Fixed Assets: ..........................1,835 Other Real Estate: ............................................... 0 Other Assets: ................................................8,293 Total Assets: ............................................. 238,885 Total Trust Assets: .............................................. 0 Deposits: ...................................................195,510 Federal Funds and Borrowings: .....................6,165 Other Liabilities:.............................................1,788 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 203,463 Total Equity Capital: ....................................35,422 Total Liabilities and Capital: .......................238,885 Number of Shares Outstanding: ..................50,000 Directors: Hall M. Calhoun, III; Brandi Cooper; Neil Corder; Karen Cree; Katherine Foust; Todd Haynes; Michael D. Koone; John Maus, III; Rich Moellers; Charles S. Penick; Stanton C. Willis; Brandon Zinser Branches in Town: One Other Branches: None 58 Arkansas State Bank Department Stone Bank Mountain View, AR VOICE: (833) 253-2265 FAX: (501) 435-2068 Trust Powers: Yes 802 East Main Street 72560 Charter Number: 797 Date: August 4, 2015 FDIC Certificate Number: 17431 Home Page: www.stonebank.com Bank Holding Company Stone Bancshares, Inc., Mountain View, AR CEO: Marnie B. Oldner CFO: Stephen Ragland Pres/CLO: Nick Roach TO: David Jessup Cash and Due from:.................................... 25,303 Federal Funds and Repos: .............................. 507 Investments: ............................................... 76,682 Net Loans: ................................................ 569,493 Premises and Fixed Assets:........................ 27,277 Other Real Estate: ........................................ 1,823 Other Assets: .............................................. 39,845 Total Assets: ............................................. 740,930 Total Trust Assets: .................................... 112,050 Deposits: .................................................. 582,285 Federal Funds and Borrowings: .................. 95,000 Other Liabilities: ............................................ 5,598 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 682,883 Total Equity Capital: .................................... 58,047 Total Liabilities and Capital: ...................... 740,930 Number of Shares Outstanding: ............. 1,338,371 Directors: Kendall Combs; Michael D. Combs; Randall Combs; Marnie B. Oldner; Stephen Ragland; Nick Roach Branches in Town: None Other Branches: DeWitt, Gillett, Harrison, Little Rock, White Hall Diamond Bank Murfreesboro, AR VOICE: (870) 356-2121 FAX: (870) 356-2858 Trust Powers: No Chm/CEO: Tim Bainum Pres: John E. Gibbs 319 East Main 71958 Charter Number: 175 Date: December 19, 1904 FDIC Certificate Number: 1527 Home Page: www.diamond.bank Member of Federal Reserve System Bank Holding Company Bainum Bancorp, Glenwood, AR CFO: Brandy Porter Cash and Due from:.................................... 25,083 Federal Funds and Repos: .............................. 375 Investments: ............................................. 131,315 Net Loans: ................................................ 597,107 Premises and Fixed Assets:........................ 12,773 Other Real Estate: ........................................... 200 Other Assets: .............................................. 27,526 Total Assets: ............................................. 794,379 Total Trust Assets: ............................................... 0 Deposits: .................................................. 724,311 Federal Funds and Borrowings: .................... 5,000 Other Liabilities: ............................................ 4,327 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 733,638 Total Equity Capital: .................................... 60,741 Total Liabilities and Capital: ...................... 794,379 Number of Shares Outstanding: ................ 172,000 Directors: Tim Bainum; Timothy A. "Tab" Bainum; Robert Braun; Richard Cox; John E. Gibbs; John Hearnsberger; Stefanie Bainum Kato; Shauna L. Lucas; Larry Mitchell; Mike Moore; Virgilio Martinez Morales; George E. Steel, Jr. Branches in Town: None Other Branches: Ashdown, DeQueen, Dierks, Glenwood, Hector, Hope, Hot Springs (2), Mena, Mineral Springs, Mount Ida, Nashville (2), Russellville, Texarkana[TX] One Hundred and Ninth Report 59 Merchants & Planters Bank Newport, AR VOICE: (870) 523-3601 FAX: (870) 523-3473 Trust Powers: Yes 120 Hazel Street 72112 Charter Number: 694 Date: March 20, 1946 FDIC Certificate Number: 16464 Home Page: www.mandpbank.com Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/TO: Jim S. Gowen, Sr. SVP/Cash: Leslie Lowery CEO/Pres: Jim S. Gowen, Jr. Cash and Due from: .................................... 17,965 Federal Funds and Repos: ............................3,525 Investments: .............................................. 108,243 Net Loans:................................................. 162,979 Premises and Fixed Assets: ..........................9,738 Other Real Estate: ............................................118 Other Assets: .............................................. 18,214 Total Assets: ............................................. 320,782 Total Trust Assets: .................................... 123,021 Deposits: ...................................................278,581 Federal Funds and Borrowings: ...................10,495 Other Liabilities:.............................................4,405 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 293,481 Total Equity Capital: ....................................27,301 Total Liabilities and Capital: .......................320,782 Number of Shares Outstanding: ....................9,000 Directors: R. M. Bledsoe; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Benjy Harris; Jennifer H. James; Dr. Larry Williams Branches in Town: One Other Branches: Batesville (3), Des Arc, McCrory, Newark, Searcy, Swifton, Tuckerman Piggott State Bank Piggott, AR VOICE: (870) 598-3802 FAX: (870) 598-2020 Trust Powers: No 212 West Cherry Street 72454 Charter Number: 613 Date: March 10, 1930 FDIC Certificate Number: 5628 Home Page: www.piggottstatebank.com Member of Federal Reserve System Bank Holding Company Piggott Bankstock, Inc., Piggott, AR Chm/CEO/Pres: Cody Knight VP: Josh Hicks VP: Jo Cole VP: Jennifer Spence Cash and Due from: .................................... 24,015 Federal Funds and Repos: .................................. 0 Investments: ................................................ 35,305 Net Loans:................................................... 67,240 Premises and Fixed Assets: .............................759 Other Real Estate: ............................................... 0 Other Assets: ................................................3,469 Total Assets: ............................................. 130,788 Total Trust Assets: .............................................. 0 Deposits: ...................................................106,471 Federal Funds and Borrowings: ...................20,000 Other Liabilities:............................................... 276 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 126,747 Total Equity Capital: ......................................4,041 Total Liabilities and Capital: .......................130,788 Number of Shares Outstanding: ....................4,000 Directors: Paula O. Blackwell; Cody Knight; Stephanie Lowe; Jim Poole Branches in Town: One Other Branches: Rector 60 Arkansas State Bank Department Simmons Bank Pine Bluff, AR VOICE: (501) 558-3141 FAX: (501) 558-3145 Trust Powers: Yes 501 Main Street 71601 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: George A. Makris, Jr. Pres/CFO: Jay Brogdon CEO: Robert A. Fehlman TO: Jimmy Crocker Cash and Due from:.................................. 745,343 Federal Funds and Repos: .................................. 0 Investments: .......................................... 7,350,921 Net Loans: ........................................... 16,633,908 Premises and Fixed Assets:...................... 528,793 Other Real Estate: ........................................ 3,469 Other Assets: ......................................... 2,649,832 Total Assets: ........................................ 27,912,266 Total Trust Assets: ................................. 5,826,619 Deposits: ............................................. 22,646,177 Federal Funds and Borrowings: ............. 1,514,321 Other Liabilities: ........................................ 239,237 Subordinated Debt: .............................................. 0 Total Liabilities: .................................... 24,399,735 Total Equity Capital: ............................... 3,512,531 Total Liabilities and Capital: ................. 27,912,266 Number of Shares Outstanding: .................. 35,000 Directors: Dean Bass; Jay D. Burchfield; Marty D. Casteel; William E. Clark, II; Steven A. Cossé; Mark C. Doramus; Eddie Drilling; Eugene Hunt; Jerry M. Hunter; Susan Lanigan; George A. Makris, Jr.; W. Scott McGeorge; Tom Purvis; Robert L. Shoptaw; Julie Stackhouse; Russell Teubner; Mindy West Branches in Town: Four Other Branches: Ada[OK], Ardmore[OK], Arlington[TN], Arlington[TX], Athens[TN] (2), Athens[TX], Atoka[TN], Austin[TX], Beeville[TX], Benton, Bentonville, Bolivar[TN], Branson[MO], Brentwood[TN] (2), Brownsville[TN], Bryant, Burleson[TX], Cabool[MO], Cabot, Chandler[TX], Charleston, Chesterfield[MO], Chickasha[OK], Clarksville, Clayton[MO], Clinton, College Station[TX], Colleyville[TX], Collierville[TN] (2), Columbia[MO] (6), Comanche[TX], Conroe[TX], Conway (2), Corpus Christi[TX], Crane[MO], Dallas[TX] (4), Davis[OK], Denison[TX] (2), Dermott, Des Peres[MO], Dresden[TN], Dumas, Durant[OK] (2), Dyersburg[TN] (2), Edmond[OK], El Dorado (2), El Dorado Springs[MO], Fayetteville (3), Fenton[MO], Florissant[MO], Fort Smith (3), Fort Worth[TX] (6), Franklin[TN] (3), Frisco[TX], Frontenac[MO], Gainesville[TX], Gallatin[TN], Germantown[TN] (2), Goodlettsville[TN], Grapevine[TX] (2), Gunter[TX], Hamburg, Hendersonville[TN], Hensley, Hot Springs (3), Houston[MO], Houston[TX], Humboldt[TN], Hutchinson[KS], Jackson[TN] (3), Jonesboro (5), Joplin[MO], Kenton[TN], Kingston[TN], Lake Village, Lees Summit[MO], Lexington[TN], Lincoln, Little Rock (11), Lockwood[MO], Mabank[TX], Madill[OK] (2), Madisonville[TN], Magnolia[TX], Mammoth Spring, Manchester[MO], Mansfield[TX], Marshall, Marshfield[MO], Martin[TN], Maryville[TN], Maumelle, Memphis[TN] (4), Middleton[TN], Mineral Wells[TX], Mingus[TX], Mongtomery[TX], Monticello, Mount Vernon[MO], Mountain View, Mountain View[MO], Nashville[TN] (2), Nixa[MO], North Little Rock (2), O'Fallon[MO], Oklahoma City[OK] (4), Olathe[KS], Ozark, Ozark[MO], Palo Pinto[TX], Paragould, Reeds Spring[MO], Rock Hill[MO], Rogers (2), Russellville (2), Saginaw[TX], Saint Peters[MO], San Antonio[TX] (2), Santo[TX], Searcy, Sedalia[MO], Seguin[TX], Seven Points[TX], Sharon[TN], Sherman[TX], Springdale, Springfield[MO] (4), St. Louis[MO] (7), Stafford[TX], Star City, Stillwater[OK] (4), Stockton[MO], Strong, Sweetwater[TN], Texarkana[TX], The Woodlands[TX] (3), Tilden[TX], Tishomingo[OK], Tomball[TX], Tulsa[OK], Tyler[TX] (2), Union City[TN], Vonore[TN], Weatherford[TX], Weiner, Wentzville[MO], West Plains[MO], White Hall (2), White House[TN], Whitesboro[TX], Wichita[KS] (3), Willow Springs[MO], Wynnewood[OK], Yorktown[TX] One Hundred and Ninth Report 61 RiverBank Pocahontas, AR VOICE: (870) 892-2265 FAX: (870) 892-2264 Trust Powers: Yes CEO/Pres: Kyle Baltz COO: Joyce Radcliff 203 West Broadway 72455 Charter Number: 796 Date: January 15, 2015 FDIC Certificate Number: 31711 Home Page: www.eriverbank.com Bank Holding Company None TO: Mark Holt Cash and Due from: ...................................... 2,382 Federal Funds and Repos: ............................2,000 Investments: ..................................................5,014 Net Loans:................................................... 86,459 Premises and Fixed Assets: ..........................2,053 Other Real Estate: ............................................... 0 Other Assets: ................................................ 5,503 Total Assets: ............................................. 103,411 Total Trust Assets: ........................................4,037 Deposits: .....................................................77,765 Federal Funds and Borrowings: .....................9,548 Other Liabilities:............................................... 714 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................88,027 Total Equity Capital: ....................................15,384 Total Liabilities and Capital: .......................103,411 Number of Shares Outstanding: ..................36,363 Directors: Jeremy Baltz; Kyle Baltz; Gary Cochran; Martin Eggensperger; John Robert "Rob" Olvey; Joyce Radcliff; Chad Watson Branches in Town: One Other Branches: Corning Gateway Bank Rison, AR VOICE: (870) 325-6251 FAX: (870) 380-5421 Trust Powers: No 112 Main Street 71665 Charter Number: 650 Date: March 7, 1932 FDIC Certificate Number: 8730 Home Page: www.gatewaybank.bank Member of Federal Reserve System Bank Holding Company Sigma Holdings, Inc., Rison, AR Chm: Lewis R. Gardner SVP: Amber Offutt CEO/Pres: Robi McDonald Cash and Due from: ...................................... 2,142 Federal Funds and Repos: .................................. 0 Investments: .....................................................797 Net Loans:................................................. 133,373 Premises and Fixed Assets: ..........................2,739 Other Real Estate: ............................................... 0 Other Assets: ................................................1,578 Total Assets: ............................................. 140,629 Total Trust Assets: .............................................. 0 Deposits: ...................................................112,709 Federal Funds and Borrowings: ...................14,275 Other Liabilities:............................................... 763 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 127,747 Total Equity Capital: ....................................12,882 Total Liabilities and Capital: .......................140,629 Number of Shares Outstanding: ....................4,000 Directors: Lewis R. Gardner; Ryan Holder; Robi McDonald; Charles S. Searcy; James W. Searcy Branches in Town: None Other Branches: Benton, Bryant 62 Arkansas State Bank Department Generations Bank Rogers, AR VOICE: (479) 986-3990 FAX: (479) 986-3999 Trust Powers: No 3710 Southern Hills Blvd., Suite 100 Charter Number: 220 72758 Date: October 26, 1906 FDIC Certificate Number: 88 Home Page: www.mygenerations.bank Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm/CEO: Jonathan W. Harrell CFO: Sandra Ferguson Pres: Joe Ruddell COO: Lindsay Wilmott Cash and Due from:.................................... 19,486 Federal Funds and Repos: ........................... 1,775 Investments: ............................................. 162,034 Net Loans: ................................................ 609,129 Premises and Fixed Assets:........................ 16,333 Other Real Estate: ............................................... 0 Other Assets: .............................................. 33,249 Total Assets: ............................................. 842,006 Total Trust Assets: ............................................... 0 Deposits: .................................................. 696,822 Federal Funds and Borrowings: .................. 55,056 Other Liabilities: ............................................ 6,590 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 758,468 Total Equity Capital: .................................... 83,538 Total Liabilities and Capital: ...................... 842,006 Number of Shares Outstanding: .................... 4,000 Directors: Gina Bennett; Paul Church; Sandra Ferguson; Phillip J. Foster; Benett Harrell; Carl Harrell; Jonathan W. Harrell; Steven D. Harrell; Paul E. Lindsey; James M. Morgan; Richard H. Mosley; Nick Nabholz; John David Neeley; Joe Ruddell; Richard L. Smith; William Titus Branches in Town: None Other Branches: Bentonville, Camden (3), Fayetteville, Hampton, Junction City, Kimberling City[MO], Siloam Springs, Van Buren First State Bank Russellville, AR VOICE: (479) 498-2400 FAX: (479) 498-2465 Trust Powers: No 3103 East Main Street 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/Pres: Charles B. "Chip" Blanchard EVP/CLO: Barton Allen VChm: Charles Blanchard EVP/Sec: Toni B. Laws Cash and Due from:.................................... 23,781 Federal Funds and Repos: .............................. 375 Investments: ............................................... 95,408 Net Loans: ................................................ 351,511 Premises and Fixed Assets:.......................... 8,681 Other Real Estate: ............................................... 0 Other Assets: .............................................. 16,680 Total Assets: ............................................. 496,436 Total Trust Assets: ............................................... 0 Deposits: .................................................. 432,559 Federal Funds and Borrowings: .................. 14,205 Other Liabilities: ............................................ 1,899 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 448,663 Total Equity Capital: .................................... 47,773 Total Liabilities and Capital: ...................... 496,436 Number of Shares Outstanding: .................. 20,000 Directors: Barton Allen; Patty Barker; Charles Blanchard; Charles B. "Chip" Blanchard; Terry Freeman; Max L. Mathis, III; Mike W. Miller; Johnny K. Morgan; James A. Streett; C. Tim White; Phil Wright Branches in Town: Three Other Branches: Fayetteville, Ola One Hundred and Ninth Report 63 Bank of Salem Salem, AR VOICE: (870) 895-2591 FAX: (870) 895-3825 Trust Powers: No 207 West Church Street 72576 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: Mark Montgomery Pres: Guy R. "Buck" Smith CEO: Michael Falco Cash: Lucinda Bishop Cash and Due from: .................................... 28,887 Federal Funds and Repos: ...............................725 Investments: ................................................ 13,360 Net Loans:................................................. 124,857 Premises and Fixed Assets: ..........................1,414 Other Real Estate: ............................................... 0 Other Assets: ................................................ 7,535 Total Assets: ............................................. 176,778 Total Trust Assets: .............................................. 0 Deposits: ...................................................157,636 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 196 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 157,832 Total Equity Capital: ....................................18,946 Total Liabilities and Capital: .......................176,778 Number of Shares Outstanding: ..................19,650 Directors: Michael Falco; D. Karrol Fowlkes; Mark Montgomery; C. Dwayne Plumlee; James "Jim" Short; Guy R. "Buck" Smith; John Ed Welch Branches in Town: None Other Branches: Mammoth Spring, Viola Logan County Bank Scranton, AR VOICE: (479) 938-2511 FAX: (479) 938-7084 Trust Powers: No 524 Main Street 72863 Charter Number: 578 Date: April 7, 1926 FDIC Certificate Number: 5632 Home Page: www.logancountybank.net Bank Holding Company None Chm/CEO/Pres: Gary Fritsche VP/Cash: Don Fritsche VP: Adam Fritsche Cash and Due from: ...................................... 2,925 Federal Funds and Repos: ............................3,000 Investments: ................................................ 38,692 Net Loans:................................................... 53,877 Premises and Fixed Assets: ..........................3,020 Other Real Estate: ............................................... 0 Other Assets: ................................................1,555 Total Assets: ............................................. 103,069 Total Trust Assets: .............................................. 0 Deposits: .....................................................86,484 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 100 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................86,584 Total Equity Capital: ....................................16,485 Total Liabilities and Capital: .......................103,069 Number of Shares Outstanding: ....................4,000 Directors: Eddie F. Ahne; Adam Fritsche; Don Fritsche; Gary Fritsche; Charles Layes Branches in Town: None Other Branches: Subiaco 64 Arkansas State Bank Department First Security Bank Searcy, AR VOICE: (501) 279-3400 FAX: (501) 279-3486 Trust Powers: Yes 314 North Spring 72143 Charter Number: 649 Date: February 6, 1932 FDIC Certificate Number: 5633 Home Page: www.fsbank.com Member of Federal Reserve System Bank Holding Company First Security Bancorp, Searcy, AR Chm/CEO/Pres: Reynie Rutledge VP: Mike Hendricks EVP: J. Mark Ferguson TO: Frank Faust Cash and Due from:.................................. 470,297 Federal Funds and Repos: ......................... 23,100 Investments: .......................................... 2,938,908 Net Loans: ............................................. 3,819,880 Premises and Fixed Assets:...................... 138,555 Other Real Estate: ............................................... 0 Other Assets: ............................................ 172,080 Total Assets: .......................................... 7,562,820 Total Trust Assets: ................................. 2,725,767 Deposits: ............................................... 6,164,428 Federal Funds and Borrowings: ................ 253,310 Other Liabilities: .......................................... 13,123 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 6,430,861 Total Equity Capital: ............................... 1,131,959 Total Liabilities and Capital: ................... 7,562,820 Number of Shares Outstanding: .................. 24,000 Directors: Dr. David Burks; J. Mark Ferguson; Michael C. Hutsell; Steve Lightle; John McKnight; Wayne Ridout; Dr. Porter R. Rodgers, Jr.; Adam Rutledge; John Rutledge, Jr.; Nathan Rutledge; Reynie Rutledge; William Scholl; James H. Stake; Jim Tarkington; James G. Wilson Branches in Town: Three Other Branches: Beebe (2), Benton (3), Bentonville (2), Bryant (3), Bull Shoals, Cabot (3), Centerton, Clarksville (2), Clinton, Conway (5), Farmington, Fayetteville (5), Fort Smith (2), Gassville, Greenbrier, Heber Springs (2), Hot Springs (3), Jonesboro (3), Judsonia, Little Rock (7), Lowell, Maumelle, Mayflower, McRae, Mountain Home (4), Mountain View, North Little Rock (3), Pangburn, Rogers (3), Russellville, Sherwood, Springdale (5), Vilonia One Hundred and Ninth Report 65 Peoples Bank Sheridan, AR VOICE: (870) 942-5707 FAX: (870) 942-2489 Trust Powers: No 1120 South Rock Street 72150 Charter Number: 786 Date: September 11, 2000 FDIC Certificate Number: 57058 Home Page: www.peoplesbankar.com Member of Federal Reserve System Bank Holding Company Peoples Bancorp, Inc., Sheridan, AR CEO/Pres: Craig L. Manatt Cont: Aaron Reed Cash and Due from: .................................... 25,095 Federal Funds and Repos: ...............................375 Investments: ................................................ 79,512 Net Loans:................................................. 100,371 Premises and Fixed Assets: ..........................3,928 Other Real Estate: ............................................... 0 Other Assets: ................................................ 6,314 Total Assets: ............................................. 215,595 Total Trust Assets: .............................................. 0 Deposits: ...................................................186,396 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................2,308 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 188,704 Total Equity Capital: ....................................26,891 Total Liabilities and Capital: .......................215,595 Number of Shares Outstanding: ..................56,562 Directors: Dannie L. Brown; Donald L. Hedden; Gary D. Hines; James W. Lancaster; Craig L. Manatt; John D. Manatt; Shelby L. Taylor; Alvin L. Upton; David L. Wells; Brent Winston Branches in Town: None Other Branches: Benton, Little Rock Smackover State Bank Smackover, AR VOICE: (870) 725-3051 FAX: (870) 725-3049 Trust Powers: Yes 708 North Broadway 71762 Charter Number: 600 Date: April 18, 1928 FDIC Certificate Number: 5623 Home Page: www.smackoverbank.com Bank Holding Company Smackover Bancshares, Inc., Smackover, AR Chm: J. Drew Tennyson VP: Lindsey Yeager CEO/Pres: James B. Yeager Cash and Due from: ...................................... 6,610 Federal Funds and Repos: .................................. 0 Investments: ................................................ 87,679 Net Loans:................................................. 125,375 Premises and Fixed Assets: ..........................1,870 Other Real Estate: ............................................... 0 Other Assets: ................................................2,865 Total Assets: ............................................. 224,399 Total Trust Assets: .............................................. 0 Deposits: ...................................................186,030 Federal Funds and Borrowings: ...................16,000 Other Liabilities:............................................... 551 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 202,581 Total Equity Capital: ....................................21,818 Total Liabilities and Capital: .......................224,399 Number of Shares Outstanding: ................100,000 Directors: Dr. Richard K. Davis, Jr.; Gary deYampert; Charles J. Foot; Charles L. Tennyson; J. Drew Tennyson; James B. Yeager Branches in Town: None Other Branches: El Dorado (2), Norphlet 66 Arkansas State Bank Department Riverside Bank Sparkman, AR VOICE: (870) 678-2251 FAX: (870) 678-2401 Trust Powers: No Commerce & Main Streets 71763 Charter Number: 457 Date: September 19, 1916 FDIC Certificate Number: 93 Home Page: www.riversidebanc.com Bank Holding Company Riverside Bancshares, Inc., Little Rock, AR CEO/VChm: Stephen C. Davis Pres: Robert G. Dudley, Jr. Cash and Due from:......................................... 709 Federal Funds and Repos: ........................... 2,400 Investments: ................................................. 1,962 Net Loans: .................................................. 50,733 Premises and Fixed Assets:.......................... 1,472 Other Real Estate: ............................................... 0 Other Assets: ................................................ 2,113 Total Assets: ............................................... 59,389 Total Trust Assets: ............................................... 0 Deposits: .................................................... 50,679 Federal Funds and Borrowings: .................... 3,000 Other Liabilities: ............................................... 138 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 53,817 Total Equity Capital: ...................................... 5,572 Total Liabilities and Capital: ........................ 59,389 Number of Shares Outstanding: .................... 3,000 Directors: Stephen C. Davis; Robert G. Dudley, Jr.; Charles T. Gaston; David Matchet; Donny White Branches in Town: None Other Branches: Little Rock United Bank Springdale, AR VOICE: (479) 756-8811 FAX: (866) 897-2839 Trust Powers: Yes 2600 South Thompson Street Charter Number: 794 72764 Date: June 11, 2014 FDIC Certificate Number: 32025 Home Page: www.united-bk.com Member of Federal Reserve System Bank Holding Company United Holding Company, Inc., Springdale, AR CEO/Pres: Nathan Gairhan EVP/CLO: Sonny Delgado EVP/CFO: Paige Mulhollan Cash and Due from:.................................... 33,876 Federal Funds and Repos: .................................. 0 Investments: ................................................. 2,721 Net Loans: ................................................ 232,196 Premises and Fixed Assets:.......................... 8,431 Other Real Estate: ............................................... 0 Other Assets: ................................................ 4,832 Total Assets: ............................................. 282,056 Total Trust Assets: ............................................... 0 Deposits: .................................................. 215,654 Federal Funds and Borrowings: .................. 38,797 Other Liabilities: ............................................ 2,708 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 257,159 Total Equity Capital: .................................... 24,897 Total Liabilities and Capital: ...................... 282,056 Number of Shares Outstanding: ................ 100,000 Directors: Tom Allen; John Ervin; Nathan Gairhan; Michele A. Harrington; Nick Hobbs; Darrin Pitts; Donnie Pitts; John Scott; Craig Young Branches in Town: One Other Branches: Bentonville, Fayetteville, Rogers One Hundred and Ninth Report 67 Bodcaw Bank Stamps, AR VOICE: (870) 533-4486 FAX: (870) 533-4456 Trust Powers: No 307 Thomas Street 71860 Charter Number: 106 Date: December 8, 1902 FDIC Certificate Number: 5624 Home Page: www.bodcaw.bank Bank Holding Company Bodcaw Bancshares, Inc., Stamps, AR CEO/Pres: Korey N. Keith CLO: Chris Lannom EVP: Gina Gore Cash and Due from: ...................................... 6,510 Federal Funds and Repos: .................................. 0 Investments: ................................................ 16,852 Net Loans:................................................. 203,971 Premises and Fixed Assets: ..........................3,152 Other Real Estate: ..............................................20 Other Assets: ................................................ 2,416 Total Assets: ............................................. 232,921 Total Trust Assets: .............................................. 0 Deposits: ...................................................206,559 Federal Funds and Borrowings: .....................6,350 Other Liabilities:............................................... 660 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 213,569 Total Equity Capital: ....................................19,352 Total Liabilities and Capital: .......................232,921 Number of Shares Outstanding: ..................10,000 Directors: James T. Alford; D. Copie Dickson; Korey N. Keith; W. Steve Keith; Chris Lannom; Danny K. Smith; John W. Smith, Jr. Branches in Town: None Other Branches: Magnolia, Texarkana[TX] Connect Bank Star City, AR VOICE: (870) 628-4286 FAX: (870) 628-5274 Trust Powers: No 116 North Lincoln 71667 Charter Number: 567 Date: April 27, 1925 FDIC Certificate Number: 5634 Home Page: www.connectbank.us Member of Federal Reserve System Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Marion Burge Ryburn Pres: R. Mark Owen Cash and Due from: ...................................... 2,651 Federal Funds and Repos: .................................. 0 Investments: ................................................ 28,598 Net Loans:................................................... 71,495 Premises and Fixed Assets: ..........................2,964 Other Real Estate: ..............................................24 Other Assets: ................................................ 3,428 Total Assets: ............................................. 109,160 Total Trust Assets: .............................................. 0 Deposits: .....................................................91,959 Federal Funds and Borrowings: .....................5,661 Other Liabilities:............................................... 143 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................97,763 Total Equity Capital: ....................................11,397 Total Liabilities and Capital: .......................109,160 Number of Shares Outstanding: ..................15,000 Directors: John Ashcraft; Britt Burris; Keith D. Griffin; R. Mark Owen; Marion Burge Ryburn; Kevin White; Barry Wood Branches in Town: None Other Branches: Dumas, Pine Bluff (2), White Hall Arkansas State Bank Department 68 Security Bank Stephens, AR VOICE: (870) 786-5416 FAX: (870) 786-5419 Trust Powers: No 105 Ruby Street 71764 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:...................................... 6,998 Federal Funds and Repos: .............................. 150 Investments: ................................................. 3,796 Net Loans: .................................................. 52,003 Premises and Fixed Assets:.......................... 1,356 Other Real Estate: ............................................... 0 Other Assets: ................................................ 2,092 Total Assets: ............................................... 66,395 Total Trust Assets: ............................................... 0 Deposits: .................................................... 57,565 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 1,144 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 58,709 Total Equity Capital: ...................................... 7,686 Total Liabilities and Capital: ........................ 66,395 Number of Shares Outstanding: .................. 20,000 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 South Main Street 72160 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 TO: Charlene Julian CEO/Pres: Brad Chambless Cash and Due from:.................................... 31,848 Federal Funds and Repos: ........................... 4,589 Investments: ............................................. 371,227 Net Loans: ............................................. 1,159,809 Premises and Fixed Assets:........................ 32,068 Other Real Estate: ........................................... 134 Other Assets: ............................................ 141,496 Total Assets: .......................................... 1,741,171 Total Trust Assets: .................................... 380,870 Deposits: ............................................... 1,419,859 Federal Funds and Borrowings: ................ 128,408 Other Liabilities: .......................................... 14,372 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,562,639 Total Equity Capital: .................................. 178,532 Total Liabilities and Capital: ................... 1,741,171 Number of Shares Outstanding: .................... 1,000 Directors: Gerald Carter; Brad Chambless; Greg Connell; David Erstine; Gary Hudson; Margaret Johnston; Kyle Ludwig; Dr. Chris Morgan; Mickey Pierce; James Samuel Tarkington; Kirk Vansandt Branches in Town: Two Other Branches: Bentonville, Des Arc, DeWitt, Farmington, Fayetteville (4), Gassville, Hazen, Jonesboro (2), Lakeview, Morrilton, Mountain Home (2), Perryville, Pocahontas (2), Prairie Grove, West Fork One Hundred and Ninth Report 69 Citizens Bank & Trust Company Van Buren, AR VOICE: (479) 474-1201 FAX: (479) 410-1340 Trust Powers: Yes 3110 Alma Highway 72956 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: P. Brent Taylor SVP/TO: Joe Dan Stewart EVP: Lance L. Lanier Cash and Due from: .................................... 54,981 Federal Funds and Repos: .................................. 0 Investments: .............................................. 176,048 Net Loans:................................................. 265,434 Premises and Fixed Assets: ..........................4,934 Other Real Estate: ............................................... 0 Other Assets: .............................................. 22,019 Total Assets: ............................................. 523,416 Total Trust Assets: ........................................9,195 Deposits: ...................................................471,730 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................2,251 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 473,981 Total Equity Capital: ....................................49,435 Total Liabilities and Capital: .......................523,416 Number of Shares Outstanding: ..................16,000 Directors: J. Kevin Bell; Michael T. Echols; Morril H. Harriman; D. Keith Hefner; L. Scott McBrayer; Brett D. Peters; Paul D. Shirley; Sam T. Sicard; Jeremy S. Simon; P. Brent Taylor; 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 South Main Street 71671 Charter Number: 739 Date: December 12, 1978 FDIC Certificate Number: 94 Home Page: www.firststatewarren.com Member of Federal Reserve System Bank Holding Company Bradley Bancshares, Inc., Warren, AR Chm/CEO: Bennie Ryburn, III EVP/TO: Hugh A. Quimby Pres/COO: Todd D. Smith SVP/CLO: Pat Newton Cash and Due from: ...................................... 6,846 Federal Funds and Repos: ...............................500 Investments: ................................................ 49,418 Net Loans:................................................... 54,154 Premises and Fixed Assets: .............................880 Other Real Estate: ............................................100 Other Assets: ................................................4,742 Total Assets: ............................................. 116,640 Total Trust Assets: ...........................................212 Deposits: ...................................................107,804 Federal Funds and Borrowings: .....................3,500 Other Liabilities:............................................... 237 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 111,541 Total Equity Capital: ......................................5,099 Total Liabilities and Capital: .......................116,640 Number of Shares Outstanding: ..................59,000 Directors: Roger George; Robert E. Green, Jr.; Hugh A. Quimby; Bennie Ryburn, III; Ray Ryburn; Todd D. Smith; Dr. Joe H. Wharton Branches in Town: One Other Branches: Hampton, Hermitage 70 Arkansas State Bank Department Warren Bank and Trust Company Warren, AR VOICE: (870) 226-2621 FAX: (870) 226-6261 Trust Powers: Yes Chm: Thomas Frazer Pres: Kelly Ashcraft 201 South Main Street 71671 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 TO: Nora Pacheco Cash and Due from:...................................... 4,630 Federal Funds and Repos: .................................. 0 Investments: ............................................... 66,685 Net Loans: .................................................. 70,040 Premises and Fixed Assets:............................. 539 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,565 Total Assets: ............................................. 143,459 Total Trust Assets: ...................................... 14,893 Deposits: .................................................. 116,623 Federal Funds and Borrowings: .................. 11,530 Other Liabilities: ............................................... 172 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 128,325 Total Equity Capital: .................................... 15,134 Total Liabilities and Capital: ...................... 143,459 Number of Shares Outstanding: .................. 48,000 Directors: Kelly Ashcraft; Dr. Donnie R. Bryant; Gerald D. Burton; Thomas Frazer; Dr. Rocky K. Lindsey; Jeffrey B. McGaha; Dr. Kerry F. Pennington Branches in Town: Two Other Branches: Hermitage Evolve Bank & Trust West Memphis, AR VOICE: (901) 624-5500 FAX: (901) 624-5540 Trust Powers: Yes 301 Shoppingway Boulevard 72301 Charter Number: 568 Date: June 5, 1925 FDIC Certificate Number: 1299 Home Page: www.getevolved.com Member of Federal Reserve System Bank Holding Company Evolve Bancorp, Inc., West Memphis, AR Chm: B. Scot Lenoir EVP/CFO: Mark Mosteller CEO/Pres: Scott Stafford Cont: Robin Bedsole Cash and Due from:.................................. 125,534 Federal Funds and Repos: .................................. 0 Investments: ............................................. 236,365 Net Loans: ................................................ 955,401 Premises and Fixed Assets:........................ 22,036 Other Real Estate: ............................................. 40 Other Assets: ............................................ 159,359 Total Assets: .......................................... 1,498,735 Total Trust Assets: ................................. 6,773,851 Deposits: ............................................... 1,268,100 Federal Funds and Borrowings: .................. 30,000 Other Liabilities: .......................................... 54,534 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,352,634 Total Equity Capital: .................................. 146,101 Total Liabilities and Capital: ................... 1,498,735 Number of Shares Outstanding: .................... 4,000 Directors: Alvinor Bright, Jr.; Donald Clanton; Lewis Holland; B. Scot Lenoir; Lon Magness; John T. Pitts, Jr.; Scott Stafford; Stephen Valentine; Monica Wharton Branches in Town: None Other Branches: Jonesboro, Memphis[TN], Parkin, Wynne One Hundred and Ninth Report 71 Fidelity Bank West Memphis, AR VOICE: (870) 735-8700 FAX: (870) 735-0065 Trust Powers: Yes 330 West Broadway Street 72301 Charter Number: 804 Date: June 27, 2019 FDIC Certificate Number: 19644 Home Page: www.fidelitybanker.com Member of Federal Reserve System Bank Holding Company Carlson Bancshares, Inc., West Memphis, AR CEO/Pres: Charles E. Horton EVP: Andy Horton EVP: Kirby H. Carlson SVP/CFO: Chris Blaylock Cash and Due from: ...................................... 3,061 Federal Funds and Repos: ............................1,040 Investments: .............................................. 260,351 Net Loans:................................................. 260,728 Premises and Fixed Assets: ..........................3,552 Other Real Estate: ............................................... 0 Other Assets: .............................................. 14,186 Total Assets: ............................................. 542,918 Total Trust Assets: .............................................. 0 Deposits: ...................................................478,297 Federal Funds and Borrowings: ...................40,000 Other Liabilities:.............................................1,772 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 520,069 Total Equity Capital: ....................................22,849 Total Liabilities and Capital: .......................542,918 Number of Shares Outstanding: ..................20,000 Directors: Jack D. Avery; Kirby H. Carlson; Michael A. Carlson; Glen F. Fenter; Dr. Edgar S. "Scott" Ferguson, M.D.; Charles E. Horton; Marlene Keenan; Dr. Trent P. Pierce, M.D.; James R. "Jim" Pugh, III; Noah S. "Ness" Sechrest; John R. "Robert" Walker, III; Dr. Susan WardJones Branches in Town: One Other Branches: Marion (2) 72 Arkansas State Bank Department Relyance Bank White Hall, AR VOICE: (870) 535-7222 FAX: (870) 535-4137 Trust Powers: Yes 8500 Sheridan Road 71602 Charter Number: 806 Date: October 20, 2022 FDIC Certificate Number: 19371 Home Page: www.rely.bank Member of Federal Reserve System Bank Holding Company Jefferson Bancshares, Inc., White Hall, AR Chm/CEO: Chuck Morgan EVP/CFO: Michael Neathery Pres/COO: Scott Pittillo EVP/TO: Janice Acosta Cash and Due from:.................................... 26,394 Federal Funds and Repos: ......................... 27,600 Investments: ............................................. 137,182 Net Loans: ................................................ 953,075 Premises and Fixed Assets:........................ 39,900 Other Real Estate: ............................................... 0 Other Assets: .............................................. 66,007 Total Assets: .......................................... 1,250,158 Total Trust Assets: .................................... 356,101 Deposits: ............................................... 1,050,346 Federal Funds and Borrowings: .................. 37,525 Other Liabilities: .......................................... 16,415 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,104,286 Total Equity Capital: .................................. 145,872 Total Liabilities and Capital: ................... 1,250,158 Number of Shares Outstanding: .................. 20,000 Directors: Kenny Bonds; Thomas Dial; David Ferrell; John Garrison; Jennifer Griffin; Marshall Kelley; Annette Kline; Chuck Morgan; Thomas Murchison; Scott Pittillo; Archie Sanders Branches in Town: One Other Branches: Bryant, Fordyce, Hot Springs (4), Hot Springs Village, Little Rock (4), Pine Bluff (4), Redfield, Sheridan, Star City Cross Bank Wynne, AR VOICE: (870) 238-8171 FAX: (870) 238-4052 Trust Powers: Yes 1 Cross County Plaza 72396 Charter Number: 25 Date: June 5, 1891 FDIC Certificate Number: 13821 Home Page: www.mycrossbank.com Bank Holding Company Cross County Bancshares, Inc., Wynne, AR Chm: Dr. Willard G. Burks SVP/CLO: King Casbeer CEO/Pres/TO: David Dowd Cash and Due from:.................................... 34,557 Federal Funds and Repos: .............................. 200 Investments: ............................................... 22,054 Net Loans: ................................................ 330,544 Premises and Fixed Assets:.......................... 7,035 Other Real Estate: ............................................... 0 Other Assets: .............................................. 12,538 Total Assets: ............................................. 406,928 Total Trust Assets: ...................................... 22,644 Deposits: .................................................. 358,935 Federal Funds and Borrowings: ....................... 369 Other Liabilities: ............................................ 1,686 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 360,990 Total Equity Capital: .................................... 45,938 Total Liabilities and Capital: ...................... 406,928 Number of Shares Outstanding: .................... 4,000 Directors: Dr. Willard G. Burks; Ronald R. Caldwell; Kenneth L. Johnson, Jr.; Jon David King; 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, Monette, Osceola REPORT OF THE STATE CHARTERED NON-PROFIT ORGANIZATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2023 74 Arkansas State Bank Department Arkansas Capital Corporation Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Trust Powers: No Chm: Kevin Burns 200 River Market Avenue, Suite 400 72201 Charter Number: 2000 Date: May 2, 2017 County: Pulaski Home Page: www.arcapital.com Bank Holding Company None CEO: Sam Walls, III Cash and Due from:......................................... 625 Federal Funds and Repos: .................................. 0 Investments: ................................................. 8,338 Net Loans: .................................................. 12,563 Premises and Fixed Assets:............................. 655 Other Real Estate: ............................................... 0 Other Assets: ................................................ 6,576 Total Assets: ............................................... 28,757 Total Trust Assets: ............................................... 0 Deposits: ............................................................. 0 Federal Funds and Borrowings: .................... 6,762 Other Liabilities: ............................................... 955 Subordinated Debt: .............................................. 0 Total Liabilities: ............................................. 7,717 Total Equity Capital: .................................... 21,040 Total Liabilities and Capital: ........................ 28,757 Number of Shares Outstanding: ....................... 967 Directors: Jeff Amerine; Jerry Bullard; Kevin Burns; Laura Fine; Robert "Ted" Gammill; Russell Guerra; Karen Marine; Emily McElroy; Virgil L. Miller, Jr.; Martha Moore; Caroll Penick; Sherrie Randall; Bryan Scoggins; David H. Shindler; William T. Staed; Lorrie Trogden; Sam Walls, III Branches in Town: None Other Branches: None REPORT OF THE STATE CHARTERED TRUST COMPANY (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2023 Arkansas State Bank Department 76 Community First Trust Company Hot Springs, AR VOICE: (501) 520-3660 FAX: (501) 520-3667 1720 Higdon Ferry Road, Suite 102 71913 Charter Number: 35001 Date: June 17, 1998 County: Garland Home Page: www.communityfirsttrust.com CEO/Pres: William L. Kerst, Jr. CFO: Leslie A. Ballentine Directors: Drew Chandler; Chris Gosnell; William L. Kerst, Jr.; Bruce Maloch; Brad Smith 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, 2023 Arkansas State Bank Department 78 Perry County Industrial Development Corporation Perryville, AR VOICE: (501) 454-0330 FAX: (501) 889-2966 Pres: John C. "Chris" Branscum VP: Donald C. Crain P. O. Box 869 72126-0869 Charter Number: 30003 Date: August 18, 1994 County: Perry Treas: Mark Roland ALL COMMERCIAL BANKS HEADQUARTERED IN ARKANSAS, LISTED BY COUNTY AND A MAP IDENTIFYING ALL OF THE STATE’S 75 COUNTIES JUNE 30, 2023 Arkansas State Bank Department 80 COUNTY BANK CITY Arkansas The Farmers and Merchants Bank Benton Generations Bank Rogers Bradley First State Bank of Warren Warren Bank and Trust Company Warren Warren Carroll Bank of 1889 CS 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 Evolve Bank & Trust Fidelity Bank Cross Cross Bank Dallas FBT Bank & Mortgage Riverside Bank Fordyce Sparkman Desha Merchants & Farmers Bank First NaturalState Bank McGehee Bank Dumas McGehee McGehee Drew Commercial Bank & Trust Company Union Bank & Trust Company Monticello Monticello Faulkner Centennial Bank First Service Bank Conway Greenbrier Fulton Bank of Salem Grant Peoples Bank Stuttgart Berryville Eureka Springs Green Forest Piggott Rison Van Buren West Memphis West Memphis Wynne Salem Sheridan One Hundred and Ninth Report 81 COUNTY BANK CITY 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 Simmons Bank Relyance Bank Lafayette Community State Bank Bodcaw Bank Lawrence The First National Bank of Lawrence County Lincoln Connect Bank Logan First Western Bank The First National Bank at Paris Logan County Bank Lonoke Bank of England First State Bank Madison Today’s Bank Huntsville Mississippi Farmers Bank And Trust Company Blytheville Monroe The Merchants and Planters Bank Clarendon Ouachita Bank of Bearden Security Bank Phillips Partners Bank Pike Bank of Delight Diamond Bank Polk The Union Bank of Mena Pope First State Bank Paragould Malvern Batesville Batesville Calico Rock Newport Pine Bluff White Hall Bradley Stamps Walnut Ridge Star City Booneville Paris Scranton England Lonoke Bearden Stephens Helena Delight Murfreesboro Mena Russellville Arkansas State Bank Department 82 COUNTY BANK CITY Pulaski First Arkansas Bank & Trust Bank of Little Rock Bank OZK Central Bank Eagle Bank & Trust Company Encore Bank Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Randolph RiverBank Pocahontas Sebastian The First National Bank of Fort Smith Farmers Bank Fort Smith Greenwood Sevier First State Bank of DeQueen Horatio State Bank DeQueen Horatio Sharp FNBC Bank Bank of Cave City Ash Flat Cave City St. Francis Armor Bank First National Bank of Eastern Arkansas Stone Stone Bank Union First Financial Bank Smackover State Bank El Dorado Smackover Washington Arvest Bank Signature Bank of Arkansas Legacy National Bank United Bank Fayetteville Fayetteville Springdale Springdale White First Security Bank Woodruff RiverWind Bank Augusta Yell Chambers Bank Danville Forrest City Forrest City Mountain View Searcy MAP OF ARKANSAS COUNTIES ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2023 86 Arkansas State Bank Department Southern Bancorp Inc. Arkadelphia, AR RSSD Number: 1248939 VOICE: (501) 850-8969 FAX: (501) 537-1193 Chm: Glen Jones CEO: Darrin Williams 605 Main Street, Suite 202 400 Hardin Road, Suite 100 (Little Rock, AR) 71923 / (72211) CFO: Christopher Wewers Subsidiaries: Southern Bancorp Bank LH Village Real Co, LLC Southern Bancorp Bank 1 Investment Fund I, LLC Southern Bancorp CDE, LLC Southern Bancorp Investment Fund II, LLC Southern Bancorp Investment Fund III, LLC Southern Development Capital Trust Southern Property Corporation of the Delta SBI Acquisition III, Inc. Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Little Rock, AR FNBC Bancorp, Inc. Ash Flat, AR RSSD Number: 1099690 VOICE: (870) 994-2311 FAX: (870) 257-1889 CEO/Pres: Marty Sellars VP: Michael Burris Subsidiaries: FNBC Bank FNBC Capital Trust I 636 Ash Flat Drive P. O. Box 8 72513 Sec: Terri French Ash Flat, AR Ash Flat, AR One Hundred and Ninth Report 87 Citizens Bancshares of Batesville, Inc. Batesville, AR RSSD Number: 1131077 VOICE: (870) 793-4441 FAX: (870) 698-6241 655 St. Louis Street P. O. Box 2156 72501 CEO: Jeffery Teague Pres: Adam Mitchell EVP/CFO: Karen Shaw Subsidiaries: The Citizens Bank Citizens Bancshares (AR) Statutory Trust I Batesville, AR Batesville, AR First Community Bancshares, Inc. Batesville, AR RSSD Number: 2641694 VOICE: (870) 612-3400 FAX: (870) 612-3412 1325 Harrison Street P. O. Box 4327 72501 Chm/CEO/Pres: Dale E. Cole EVP: Boris A. Dover CFO: Jason Taylor Subsidiaries: First Community Bank Batesville Insurance Agency, Inc. WR Holding Co., LLC Batesville, AR Batesville, AR Batesville, AR Bearden Bancshares, Inc. Bearden, AR RSSD Number: 2993722 VOICE: (870) 687-2233 FAX: (870) 687-2474 1 Second Street P. O. Box 135 71720 Pres: Rick Green Subsidiaries: Bank of Bearden BBI Insurance Agency, Inc. Bearden, AR Bearden, AR Arkansas State Bank Department 88 Arvest Bank Group, Inc. Bentonville, AR RSSD Number: 1095674 VOICE: (479) 464-1500 FAX: (479) 464-1540 110 NW Second Street, Suite 300 P. O. Box 1860 72712 Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Holdings, Inc. Arvest Bank Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. Arvest Opportunity Fund, Inc. RHV, LLC RHV2, LLC First Place on the Creeks, LLC WACO Title Company ABR Investments, Inc. Southwest Cattlemen's Corporation Bentonville, AR Fayetteville, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Rogers, AR Springdale, AR Joplin, MO Tulsa, OK Arvest Holdings, Inc. Bentonville, AR RSSD Number: 1845673 VOICE: (479) 464-1500 FAX: (479) 464-1540 110 NW Second Street, Suite 300 P. O. Box 1860 72712 Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm/CEO/Pres: Jim C. Walton Subsidiaries: Arvest Bank Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. Arvest Opportunity Fund, Inc. RHV, LLC RHV2, LLC First Place on the Creeks, LLC WACO Title Company ABR Investments, Inc. Southwest Cattlemen's Corporation VP/Treas/Sec: Richard D. Chapman Fayetteville, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Rogers, AR Springdale, AR Joplin, MO Tulsa, OK One Hundred and Ninth Report 89 Bank of 1889 Employee Stock Ownership Trust Berryville, AR RSSD Number: 2027412 VOICE: (870) 423-6601 FAX: (870) 423-2786 305 - 307 Public Square P. O. Box 367 72616 Pres: William A. Hudspeth, III Subsidiaries: First Carroll Bankshares, Inc. Bank of 1889 First Carroll Leasing Company First Carroll Properties, Inc. First Carroll Services, Inc. Berryville, AR Berryville, AR Berryville, AR Berryville, AR Berryville, AR First Carroll Bankshares, Inc. Berryville, AR RSSD Number: 2197548 VOICE: (870) 423-6601 FAX: (870) 423-2786 305 - 307 Public Square P. O. Box 367 72616 Bank Holding Company Bank of 1889 Employee Stock Ownership Trust, Berryville, AR Chm: William A. Hudspeth, III VChm: Doug Carr Subsidiaries: Bank of 1889 First Carroll Leasing Company First Carroll Properties, Inc. First Carroll Services, Inc. Berryville, AR Berryville, AR Berryville, AR Berryville, AR Farmers Bancorp, Inc. Blytheville, AR RSSD Number: 1247615 VOICE: (870) 763-8101 FAX: (870) 763-3500 400 West Main Street P. O. Box 688 72316 Chm/Pres: Randy Scott Subsidiaries: Farmers Bank And Trust Company Blytheville, AR Arkansas State Bank Department 90 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 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 Bank Holding Company First Western Bancshares ESOT, Booneville, AR Chm/CEO: John T. Hampton Pres: Ty Hampton Subsidiaries: First Western Bank First Western Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Statutory Trust II First Western Statutory Trust III VP/Sec: Debbie Danekas AVP/Cont: Lavonn Tidwell Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR One Hundred and Ninth Report 91 Power Bancshares, Inc. Bradley, AR RSSD Number: 5813513 VOICE: (870) 894-3322 FAX: (870) 894-3324 208 West Fourth Street P. O. Box 120 71826 Pres: Jeff C. Hobbs Sec: Taylor Chandler Subsidiaries: Community State Bank Bradley, AR Harrell Bancshares, Inc. Camden, AR RSSD Number: 2352196 VOICE: (479) 986-3960 FAX: (479) 986-3999 1325 Hwy 278 Bypass 3704 Southern Hills Boulevard (Rogers, AR) 71701 / (72758) Pres: Jonathan W. Harrell CFO: Sandra Ferguson Sec: Maxwell Harrell Subsidiaries: Generations Bank Rogers, AR Sharp Bancshares, Inc. Cave City, AR RSSD Number: 1099663 VOICE: (870) 283-5301 FAX: (870) 283-6466 Chm: Samuel F. Beller CEO/Pres: John M. Beller Subsidiaries: Bank of Cave City Cave City Properties, Inc. 137 South Main Street P. O. Box 490 72521 VChm: Bruce Street CFO: Kim Nunally Cave City, AR Cave City, AR 92 Arkansas State Bank Department Clarendon Holding Co. Clarendon, AR RSSD Number: 1099252 VOICE: (870) 747-3319 FAX: (870) 747-3498 297 Madison Street P. O. Box 280 72029 Chm: J. Baxter Sharp, III CEO/Pres: J. Kendall Henry Subsidiaries: The Merchants and Planters Bank Clarendon, AR Home BancShares, Inc. Conway, AR RSSD Number: 1491409 VOICE: (501) 328-4770 FAX: (501) 328-4890 Chm/CEO: John Allison CFO: Brian Davis Subsidiaries: Centennial Bank Centennial Insurance Agency, Inc. Boomer Air LLC Centennial AAC NMTC Fund, LLC Freedom Insurance Group, Inc. GoldStar Trust Company Cook Insurance Agency, Inc. Regent Bank Project Finance, Inc. Centennial AL Holdings, Inc. 1908 Properties, LLC Happy Insurance Services, Inc. SAPH, LLC HBI Insurance, Inc. 719 Harkrider Street, Suite 100 P. O. Box 966 72032 COO: Stephen Tipton Conway, AR Cabot, AR Conway, AR Conway, AR Jonesboro, AR Jonesboro, AR Apalachicola, FL Davie, FL New York, NY Amarillo, TX Amarillo, TX Amarillo, TX Conway, AR One Hundred and Ninth Report 93 Chambers Bancshares, Inc. Danville, AR RSSD Number: 1141487 VOICE: (479) 495-4648 FAX: (479) 495-4769 105 East Ninth Street P. O. Box 1330 72833 Chm/CEO/Pres: John Ed Chambers, III CFO: Landi Mkhize COO: Mike Donnell Subsidiaries: Chambers Bank Sloan Capital Trust I Danville, AR Danville, AR First State Bancshares, Inc. DeQueen, AR RSSD Number: 2032724 VOICE: (870) 642-4423 FAX: (870) 642-2847 402 West Collin Raye Drive P. O. Box 970 71832 Chm: Dennis Smiley CEO/Pres: Noel L. Bard Subsidiaries: First State Bank of DeQueen First State DeQueen Statutory Trust I DeQueen, AR Wilmington, DE M & F Financial Corporation Dumas, AR RSSD Number: 1099506 VOICE: (870) 382-4311 FAX: (870) 382-5901 Chm/CEO: L. Ashton Adcock Pres: B. Page Gill Subsidiaries: Merchants & Farmers Bank 500 Highway 65 South P. O. Box 187 71639 EVP: Betty B. Trites Treas: Cindy Beatty Dumas, AR Arkansas State Bank Department 94 First Financial Banc Corporation El Dorado, AR RSSD Number: 2568102 VOICE: (870) 863-7000 FAX: (870) 881-5393 300 East Peach Street P. O. Box 1754 71730 CEO/Pres: Chris Hegi EVP/CFO: Melissa J. Jerry EVP/COO: Craig Mobley EVP/CRO: Sean H. Williams 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 Canada Bancshares, Inc. England, AR RSSD Number: 5081385 VOICE: (501) 842-2555 FAX: (501) 842-2422 123 South Main Street P. O. Box 70 72046 Bank Holding Company MHBC Investments Limited Partnership, I LLLP, England, AR Chm/CEO/Pres: Gary Canada, Sr. COO: Gary Canada, Jr. Subsidiaries: Bank of England BOE Acquisition Company, Inc. BOE Mortgage, LLC BOE Leasing, LLC England, AR England, AR England, AR England, AR MHBC Investments Limited Partnership, I LLLP RSSD Number: 2795083 VOICE: (501) 842-2555 FAX: (501) 842-2422 England, AR GP: Hanna Canada Subsidiaries: Canada Bancshares, Inc. Bank of England BOE Acquisition Company, Inc. BOE Mortgage, LLC BOE Leasing, LLC 123 South Main Street P. O. Box 70 72046 LP: Gary Canada, Sr. England, AR England, AR England, AR England, AR England, AR One Hundred and Ninth Report 95 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 Chm/CEO/Pres: John F. Cross, Sr. VChm: Charles T. Cross Subsidiaries: CS Bank Eureka Springs, AR White River Bancshares Company Fayetteville, AR RSSD Number: 3306589 VOICE: (479) 684-3700 FAX: (479) 684-3795 3878 North Crossover Road, Suite 20 P. O. Box 8550 72703 Chm/CEO: Gary R. Head Pres: Brant Ward CFO: Edward P. Riendeau COO: Alexandria Gladden Subsidiaries: Signature Bank of Arkansas Fayetteville, AR FBT Bancshares, Inc. RSSD Number: 1099092 VOICE: (870) 352-3107 FAX: (870) 352-5202 Chm/CEO/Pres: James V. Hulse, Jr. EVP: Lance Nutt Subsidiaries: FBT Bank & Mortgage Fordyce, AR 200 West Fourth Street 71742 SVP: Janie Daniell SVP: David Sisson Fordyce, AR Arkansas State Bank Department 96 First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (479) 782-2041 FAX: (479) 788-4602 602 Garrison Avenue P. O. Box 7 72902 Chm: Mont S. Echols, Jr. CEO/Pres: Sam T. Sicard VP: James G. Williamson, Jr. Subsidiaries: The First National Bank of Fort Smith Special L P, LLC Citizens Bank & Trust Company PMF, Inc. VB Senior Housing Limited Partnership FBC Acquisition, Inc. First Asset Holdings, LLC Placid Hills Management, LLC Realty Appraisals, Inc. Fort Smith, AR Fort Smith, AR Van Buren, AR Van Buren, AR Van Buren, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Bainum Bancorp Glenwood, AR RSSD Number: 1491333 VOICE: (870) 356-2121 FAX: (870) 356-6327 205 Highway 70 East P. O. Box 500 71943 Chm/CEO: Tim Bainum CFO: Laura Habighorst Subsidiaries: Diamond Bank Murfreesboro, AR First National Bancorp, Inc. Green Forest, AR RSSD Number: 2619349 VOICE: (870) 438-5214 FAX: (870) 438-5412 Chm/Pres: Stephen E. Stafford SVP: Shelby Bruffett Subsidiaries: Anstaff Bank 100 First National Avenue P. O. Box 1900 72638 Sec: L. Scott Stafford Green Forest, AR One Hundred and Ninth Report 97 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 CEO/Pres: Thomas H. Grumbles Subsidiaries: First Service Bank First Service Realty Greenbrier, AR Greenbrier, AR Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (479) 996-4171 FAX: (479) 996-6700 71 West Center Street P. O. Box 610 72936 Chm: Elizabeth Wilkinson CEO/Pres: Edward Wilkinson Subsidiaries: Farmers Bank Greenwood, AR Helena Bancshares, Inc. Helena, AR RSSD Number: 1129494 VOICE: (870) 338-6451 FAX: (870) 338-6306 Chm: Harry G. Stephens, Jr. EVP/CFO: Leslie Harp Subsidiaries: Partners Bank 302 Cherry Street P. O. Box 280 72342 EVP: Vance G. St. Columbia Helena, AR Arkansas State Bank Department 98 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 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 I 71901 Chm/CEO: Guy R. "Buck" Smith Subsidiaries: Bank of Salem SABCO Insurance, Inc. Security Bank Salem, AR Salem, AR Stephens, AR First Arkansas BancShares, Inc. Jacksonville, AR RSSD Number: 1096550 VOICE: (501) 982-4511 FAX: (501) 982-5769 Chm/CEO: Larry T. Wilson Subsidiaries: First Arkansas Bank & Trust First Arkansas Tax Credit, LLC 600 West Main Street P. O. Box 827 72078 EVP/CFO: Kim Cullum Jacksonville, AR Jacksonville, AR One Hundred and Ninth Report 99 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 Chm/CEO: Charles H. Weissinger, Jr. VChm: Guy M. Weissinger Pres: Franklin Todd Turner CFO/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 Encore Bancshares, Inc. Little Rock, AR RSSD Number: 2777016 VOICE: (501) 228-6000 FAX: (501) 228-6006 1801 Rahling Road, Suite 100 P. O. Box 8210 72223 Chm/CEO: Chris Roberts VChm: Phillip Jett Pres: Burt Hicks Subsidiaries: Encore Bank Little Rock, AR Little Rock Bankshares, Inc. Little Rock, AR RSSD Number: 2617082 VOICE: (501) 376-0800 FAX: (501) 374-7937 Chm/CEO: Eugene L. Maris Pres: Kim Markland Subsidiaries: Bank of Little Rock Bank of Little Rock Mortgage Corp. Hallmark National Mortgage Corp. Little Rock Mortgage Corp. 200 North State Street P. O. Box 34090 72203 CFO: Donna Hall Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Arkansas State Bank Department 100 Riverside Bancshares, Inc. Little Rock, AR RSSD Number: 2155342 VOICE: (501) 614-6161 FAX: (501) 614-6162 1001 West Markham, Second Floor 72201 Pres: Stephen C. Davis Subsidiaries: Riverside Bank Arkansas Mortgage Company, Inc. Riverside Mortgage Company, Inc. Sparkman, AR Fayetteville, AR Little Rock, AR 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: Cathy H. Owen EVP: Laura Bogoslavsky EVP: Paul Castleberry EVP: Jeff Lynch Subsidiaries: Eagle Bank & Trust Company Eagle Development Company South Little Rock, AR Little Rock, AR Lonoke Bancshares, Inc. Lonoke, AR RSSD Number: 1491614 VOICE: (501) 676-3106 FAX: (501) 676-5046 Chm: Neil Bennett, Jr. CEO: Kevin F. "Kip" Norton Subsidiaries: First State Bank First State Land Co., Inc. Lonoke Statutory Trust I Lonoke Statutory Trust II 101 South Center Street P. O. Box 320 72086 Sec: Karen Hardke Lonoke, AR Lonoke, AR Lonoke, AR Lonoke, AR One Hundred and Ninth Report 101 Golden Oaks Bancshares, Inc. Magnolia, AR RSSD Number: 1098684 VOICE: (870) 234-5777 FAX: (870) 912-0647 500 North Jackson Street P. O. Box 340 71754 Chm: Steven Clark Fincher Pres: Mary L. Fowler Subsidiaries: The Peoples Bank Magnolia, AR 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 Chm/CEO/Pres: Chris Gosnell EVP/CFO: Drew Chandler EVP/Sec: Bruce D. Maloch Subsidiaries: Farmers Bank and Trust Company Community First Trust Group Magnolia Properties, Inc. Patmos Holdings, LLC Magnolia Statutory Trust I First National Hempstead Statutory Trust I Magnolia, AR Hot Springs, AR Magnolia, AR Texarkana, TX Magnolia, AR Hartford, CT Big Creek Bancshares, Inc. Marianna, AR RSSD Number: 5046816 VOICE: (870) 821-5100 FAX: (870) 821-5100 Chm: Mark Waldrip CEO/Pres: Chad T. May Subsidiaries: Forrest City Financial Corporation Armor Bank 98 West Tennessee Street 6245 Hwy 78 West 72360 VP: Nathan M. Waldrip Sec: Stephen W. Edwards, Sr. Marianna, AR Forrest City, AR Arkansas State Bank Department 102 Forrest City Financial Corporation Marianna, AR RSSD Number: 2501305 VOICE: (870) 821-5100 FAX: (870) 821-5100 98 West Tennessee Street 6245 Hwy 78 West 72360 Bank Holding Company Big Creek Bancshares, Inc., Marianna, AR Chm: Mark Waldrip CEO/Pres: Chad T. May VP: Nathan M. Waldrip Sec: Stephen W. Edwards, Sr. Subsidiaries: Armor Bank Forrest City, AR 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, Sr. EVP/COO: Jim R. Daniels Subsidiaries: First NaturalState Bank McGehee, AR McGehee Bank Employee Stock Ownership Plan McGehee, AR RSSD Number: 3487965 VOICE: (870) 222-3151 FAX: (870) 222-6159 Chm: William W. Bowman CEO/Pres: James M. Smith Subsidiaries: Southeast Financial Bankstock Corporation McGehee Bank McBank Realty 301 North Second Street P. O. Box 787 71654 VChm: John H. Potter, Jr. EVP/CFO: Jim S. Youngblood McGehee, AR McGehee, AR McGehee, AR One Hundred and Ninth Report 103 Southeast Financial Bankstock Corporation McGehee, AR RSSD Number: 1096662 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North Second Street P. O. Box 787 71654 Bank Holding Company McGehee Bank Employee Stock Ownership Plan, McGehee, AR Chm: William W. Bowman CEO/Pres: James M. Smith VChm: John H. Potter, Jr. COO: Jim S. Youngblood Subsidiaries: McGehee Bank McBank Realty McGehee, AR McGehee, AR Union Bankshares, Inc. Mena, AR RSSD Number: 1099805 VOICE: (479) 394-2211 FAX: (479) 394-3809 303 Highway 71 North P. O. Box 898 71953 Chm: John Stevenson CEO/Pres: Jarrod Yarnell VChm: David Maddox Subsidiaries: The Union Bank of Mena The First National Bank at Paris Union Bankshares Statutory Trust I Mena, AR Paris, AR Mena, AR Drew Bancshares, Inc. Monticello, AR RSSD Number: 1098198 VOICE: (870) 367-6221 FAX: (870) 367-1151 Chm/CEO: Bennie Ryburn, III Pres/COO: Todd D. Smith Subsidiaries: Commercial Bank & Trust Company 212 West Gaines Street P. O. Box 150 71657 SVP: Michael Efird VP/Sec: Nick Temple Monticello, AR Arkansas State Bank Department 104 First Union Financial Corporation Monticello, AR RSSD Number: 1098880 VOICE: (870) 460-6400 FAX: (870) 460-6431 102 West McCloy P. O. Box 270 71657 Chm Emer: Zach McClendon, Jr. Chm/CEO: John S. McClendon Pres: Dave Dickson Treas/Sec: Robin McClendon Subsidiaries: Union Bank & Trust Company Monticello, AR Petit Jean Bancshares, Inc. Morrilton, AR RSSD Number: 2877402 VOICE: (501) 354-4988 FAX: (501) 354-6560 707 North Saint Joseph Street P. O. Box 680 72110 Pres: Charles S. Penick Subsidiaries: Petit Jean State Bank Morrilton, AR Stone Bancshares, Inc. Mountain View, AR RSSD Number: 4928344 VOICE: (833) 253-2265 FAX: (501) 435-2068 802 East Main Street 900 South Shackleford, Suite 200 (Little Rock, AR) 72560 / (72211) Bank Holding Company MO/ARK Bancshares, Inc., Hollister, MO Chm: Kendall Combs EVP: Marnie B. Oldner Subsidiaries: Stone Bank DBT Realty Company, Inc. P&M Real Estate, Inc. CFO: Stephen Ragland Sec: Sarah Ort Mountain View, AR DeWitt, AR DeWitt, AR One Hundred and Ninth Report 105 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 Bank Holding Company M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan, Newport, AR Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. Sec: Leslie Lowery Subsidiaries: Merchants & Planters Bank M & P Community Statutory Trust II M & P Insurance & Investment Services, Inc. Newport, AR Newport, AR Newport, AR M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan Newport, AR RSSD Number: 3394429 VOICE: (870) 523-3601 FAX: (870) 523-3473 Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. 120 Hazel Street P. O. Box 650 72112 Sec: Leslie Lowery Subsidiaries: M & P Community Bancshares, Inc. Merchants & Planters Bank M & P Community Statutory Trust II M & P Insurance & Investment Services, Inc. Newport, AR Newport, AR Newport, AR Newport, AR 106 Arkansas State Bank Department Piggott Bankstock, Inc. Piggott, AR RSSD Number: 1098321 VOICE: (870) 598-3802 FAX: (870) 598-2020 212 West Cherry Street P. O. Box 307 72454 Chm: Cody Knight Subsidiaries: Piggott State Bank Piggott, AR One Hundred and Ninth Report 107 Simmons First National Corporation Pine Bluff, AR RSSD Number: 1094828 VOICE: (501) 558-3141 FAX: (501) 558-3145 Chm: George A. Makris, Jr. CEO: Robert A. Fehlman 501 Main Street P. O. Box 7009 71601 Pres/CFO: Jay Brogdon EVP/Gen Coun/Sec: George A. Makris, III Subsidiaries: Simmons Bank Diamond State Ventures II, LP Heartland Bank Liquidating Trust Simmons First Insurance Services, Inc. Simmons First Investment Group, Inc. Simmons First Public Finance, LLC AAC Investment Fund, LLC Simmons NMTC Holding, LLC SWC PPR, LLC Enhanced Capital Tax Credit Fund 64, LLC Simmons First SW REIT, Inc. Simmons First REIT of TN, Inc. Capital Partners Investment Fund 2008, L.P. Capital Partners Series SB II, LLC Capital Partners Series SB III, LLC Capital Partners Series SB IV, LLC Capital Partners Series SB V, LLC Capital Partners Series SB VI, LLC Capital Partners Series SB, LLC Cradduck LMB Investment Fund 2, LLC Cultivation Twain Seed Fund I, L.P. PR RT, LLC Raintree LMB, LLC Beacon Village Tax Credit Fund, LLC Simmons First REIT of MO, LLC Springfield Finance and Development Corp. PSH, LLC Santa Ana Holdings, LLC St. Louis State Equity Fund II LLC The Successful Investors, LLC Stockton Community Development Corp. Providence PCC of Grenada, LLC Simmons First Investments, Inc. REI Subsidiary CDE 12, LLC Stillwater NMTC Investment Fund II, LLC Stillwater NMTC, LLC Venture Holding Company, LLC ETN-KLC, LLC FS Providence PCC of Grenada, LLC Simmons First Auto, Inc. Simmons First Insurance Services of TN, LLC Simmons First Properties, Inc. Pine Bluff, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Pine Bluff, AR Pine Bluff, AR Chandler, AZ Wilmington, DE Wilmington, DE Baltimore, MD Columbia, MO Columbia, MO Columbia, MO Columbia, MO Columbia, MO Columbia, MO Columbia, MO Columbia, MO Columbia, MO Columbia, MO Columbia, MO Dexter, MO Springfield, MO Springfield, MO St. Louis, MO St. Louis, MO St. Louis, MO St. Louis, MO Stockton, MO Grenada, MS Las Vegas, NV Durant, OK Stillwater, OK Stillwater, OK Jackson, TN Sevierville, TN Union City, TN Union City, TN Union City, TN Union City, TN Arkansas State Bank Department 108 Simmons First Special Assets, Inc. Harob, Inc. SF Real Estate Holdings, Inc. LBI Capital Trust V Gateway Neighborhood Fund I, LLC Simmons First Risk Management, Inc. SWB Recovery Corp. Union City, TN Fort Worth, TX Pine Bluff, AR Springfield, MO St. Louis, MO Las Vegas, NV Fort Worth, TX Sigma Holdings, Inc. Rison, AR RSSD Number: 4512378 VOICE: (501) 847-3440 FAX: (501) 847-3452 112 Main Street P. O. Box 345 71665 Chm/Pres: Lewis R. Gardner Subsidiaries: Gateway Bank Rison, AR First State Banking Corporation Russellville, AR RSSD Number: 1096448 VOICE: (479) 498-2442 FAX: (479) 498-2465 3103 East Main Street P. O. Box 10610 72812 Chm/CEO/Pres: Charles B. “Chip” Blanchard EVP: Toni B. Laws VChm: Charles Blanchard CFO/Sec: Andrea Nicholson Subsidiaries: First State Bank FSB Capital Trust III Russellville, AR Russellville, AR One Hundred and Ninth Report 109 First Security Bancorp Searcy, AR RSSD Number: 1096505 VOICE: (501) 279-3401 FAX: (501) 279-3486 314 North Spring P. O. Box 1009 72145 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. Crews Dissemination Services, Inc. First Security Finance, Inc. Union Air LLC Cheyenne Aircraft LLC Crossfirst Bankshares, Inc. Searcy, AR Benton, AR Mountain Home, AR Searcy, AR Searcy, AR Las Vegas, NV Little Rock, AR Little Rock, AR Little Rock, AR Searcy, AR Wilmington, DE Leawood, KS Peoples Bancorp, Inc. Sheridan, AR RSSD Number: 4639435 VOICE: (870) 942-5707 FAX: (870) 942-2489 Chm: Alvin L. Upton 1120 South Rock Street P. O. Box 460 72150 CEO/Pres: Craig L. Manatt 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 Pres: James B. Yeager Smackover, AR Arkansas State Bank Department 110 Mathias Bancshares, Inc. Springdale, AR RSSD Number: 1951172 VOICE: (479) 750-9100 FAX: (479) 750-0953 5571 Bleaux Avenue 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 CEO/Pres/Sec: Craig Young CFO/Treas: Karla Baker Subsidiaries: United Bank UB Financial, LLC Springdale, AR Springdale, AR Bodcaw Bancshares, Inc. Stamps, AR RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 Chm: John W. Smith, Jr. CEO/Pres: Korey N. Keith Subsidiaries: Bodcaw Bank 307 Thomas Street P. O. Box 8 71860 Sec: D. Copie Dickson Stamps, AR One Hundred and Ninth Report 111 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 Chm/CEO: Marion Burge Ryburn VChm: Keith Griffin Treas: R. Mark Owen Subsidiaries: Connect Bank Star City, AR The Farmers and Merchants Bankshares, Inc. Stuttgart, AR RSSD Number: 1099672 VOICE: (870) 673-6911 FAX: (870) 672-4282 708 South Main Street P. O. Box 1010 72160 Chm: Mickey Pierce CEO/Pres: Brad Chambless VChm: Chris Morgan SVP/CFO: Christy Malahy Subsidiaries: The Farmers and Merchants Bank Bankshares of Fayetteville Statutory Trust I Mountain Home Statutory Trust I Stuttgart, AR Fayetteville, AR Mountain Home, AR Bradley Bancshares, Inc. Warren, AR RSSD Number: 1097463 VOICE: (870) 226-2601 FAX: (870) 226-2253 Chm/CEO: Bennie Ryburn, III Pres/COO: Todd D. Smith Subsidiaries: First State Bank of Warren 104 South Main Street P. O. Box 29 71671 VP/Sec: Hugh A. Quimby Warren, AR Arkansas State Bank Department 112 Carlson Bancshares, Inc. West Memphis, AR RSSD Number: 1491641 VOICE: (870) 735-8700 FAX: (870) 735-0065 330 West Broadway Street P. O. Box 2288 72301 Chm: Michael A. Carlson Pres: Charles E. Horton Subsidiaries: Fidelity Bank West Memphis, AR Evolve Bancorp, Inc. West Memphis, AR RSSD Number: 1142411 VOICE: (901) 624-5500 FAX: (901) 624-5540 301 Shoppingway Boulevard 6070 Poplar Avenue, Suite 200 (Memphis, TN) 72301 / (38119) Chm: B. Scot Lenoir Cont: Robin Bedsole Sec: Scott Stafford Subsidiaries: Evolve Bank & Trust Evolve Commercial Finance West Memphis, AR Memphis, TN Jefferson Bancshares, Inc. White Hall, AR RSSD Number: 2267665 VOICE: (870) 535-7222 FAX: (870) 540-1224 Chm: John Garrison CEO/Pres: Chuck Morgan Subsidiaries: Relyance Bank 912 South Poplar LLC Jefferson Bancshares Capital Trust Jefferson Bancshares Capital Trust II 8500 Sheridan Road 71602 EVP: Scott Pittillo Sec: Vickey Davis White Hall, AR Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR One Hundred and Ninth Report 113 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: Central Bank Cross Bank CCB Real Estate Holdings, Inc. CCB-EAT, LLC Janus Title, LLC 1 Cross County Plaza P. O. Box 9 72396 EVP: King Casbeer Treas/Sec: Shelia Roberts Little Rock, AR Wynne, AR Wynne, AR Wynne, AR Wynne, AR OUT OF STATE BANK HOLDING COMPANIES AND THEIR ARKANSAS SUBSIDIARIES JUNE 30, 2023 116 Arkansas State Bank Department MO/ARK Bancshares, Inc. Hollister, MO RSSD Number: 5812954 VOICE: (501) 503-4232 FAX: (501) 435-2068 Chm: Kendall Combs CFO: Stephen Ragland Subsidiaries: Stone Bancshares, Inc. Stone Bank DBT Realty Company, Inc. P&M Real Estate, Inc. 2054 Hill Haven Road 900 South Shackleford, Suite 200 (Little Rock, AR) 65672 / (72211) Sec: Sarah Ort Mountain View, AR Mountain View, AR DeWitt, AR DeWitt, AR ABBREVIATIONS Chm: Chm Emer: CEO: Co-Chm: VChm: Pres: Reg Pres: EVP: SVP: CAO: CBO: CCO: CFO: CLO: COO: CRO: AdmVP: VP: SLO: Cash: Cont: AVP: Mtg CEO: TO: ATO: Gen Coun: Treas: Sec: GP: LP: 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 Chief Risk Officer Administrative Vice President Vice President Senior Loan Officer Cashier Controller Assistant Vice President Mortgage Chief Executive Officer Trust Officer Assistant Trust Officer General Counsel Treasurer Secretary General Partner Limited Partner 118 Arkansas State Bank Department NOTES One Hundred and Ninth Report NOTES 119 120 Arkansas State Bank Department NOTES
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