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REPORT OF THE BANK COMMISSIONER OF THE STATE OF ARKANSAS 2016 ASA HUTCHINSON Governor CANDACE A. FRANKS Bank Commissioner REPORT OF THE BANK COMMISSIONER OF THE STATE OF ARKANSAS 2016 ASA HUTCHINSON Governor CANDACE A. FRANKS Bank Commissioner ONE HUNDRED AND SECOND ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2016 STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2016 Honorable Asa Hutchinson Governor of Arkansas Little Rock, Arkansas Governor Hutchinson: I am pleased to submit to you the One Hundred and Second 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, 2016. The financial services industry continues to undergo change. Arkansas state chartered banks and the trust company continue to successfully meet the challenges of change and offer excellent financial services to the public. The State Bank Department maintains a Strategic Plan, which the Department’s employees develop on an annual basis. The mission of the State Bank Department is to allocate available human and other resources existing in our Examination, Information Technology and Administrative Services Divisions to ensure the continuance of safe and sound financial practices in state chartered financial institutions. We thank you for the support you and your staff provide and assure you of our continuing efforts to maintain the highest level of professionalism in the performance of our responsibilities. Cordially, Candace A. Franks Bank Commissioner One Hundred and Second Report TABLE OF CONTENTS Legal Holidays ............................................................................................................................................ 2 Commissioners of The Bank Department .................................................................................................. 3 State Banking Board .................................................................................................................................. 4 Departmental Roster .................................................................................................................................. 5 Charter Conversions .................................................................................................................................. 9 Corporate Name Changes/Mergers of State Chartered Banks................................................................ 10 Branches Approved .................................................................................................................................. 11 State Chartered Banks Subchapter S Corporations................................................................................. 13 Fiscal Report of The Bank Department .................................................................................................... 15 Federal Supervisory Agencies ................................................................................................................. 16 Trade Associations ................................................................................................................................... 21 Consolidated Report of Condition Data State Chartered Banks .......................................................................................................................... 24 Consolidated Statement of Condition State Chartered Trust Departments ...................................................................................................... 25 Consolidated Report of Condition Data National Banks ...................................................................................................................................... 26 Tier One Leverage Ratios For All Arkansas Commercial Banks ................................................................................................................ 27 National Banks Headquartered in Arkansas ............................................................................................ 30 Report of State Chartered Commercial Banks ......................................................................................... 32 Report of State Chartered Trust Company............................................................................................... 82 Report of Regional/County Industrial Development Corporation ............................................................. 84 All Commercial Banks Listed by County .................................................................................................. 86 Map of Arkansas Counties ....................................................................................................................... 90 Arkansas Bank Holding Companies ......................................................................................................... 92 Abbreviations ..........................................................................................................................................126 2 Arkansas State Bank Department LEGAL HOLIDAYS st New Year's Day....................................................................................... January 1 Robert E. Lee's Birthday ...................................................Third Monday in January Martin Luther King, Jr. Day ...............................................Third Monday in January Presidents Day ................................................................ Third Monday in February Memorial Day ........................................................................... Last Monday in May th Independence Day ......................................................................................... July 4 Labor Day ...................................................................... First Monday in September th Veterans Day..................................................................................... November 11 Thanksgiving Day..................................................... Fourth Thursday in November th Christmas Eve ................................................................................... December 24 th Christmas Day ................................................................................... December 25 All Bills of Exchange, Drafts, or Promissory Notes, which shall become payable on a legal holiday shall be payable on the day next succeeding such holiday. In case any legal holiday falls on Sunday, the next succeeding Monday shall be a holiday in its stead. One Hundred and Second Report 3 COMMISSIONERS OF THE ARKANSAS STATE BANK DEPARTMENT Date of Appointment Date Service Ended No. Name 1. John M. Davis .............................. October 6, 1913 October 3, 1918 2. A. J. Reap .................................... October 3, 1918 March 22, 1919 3. W. T. Maxwell ............................... March 22, 1919 September 1, 1921 4. Charles McKee ....................... September 1, 1921 July 28, 1925 5. Loid Rainwater.................................. July 28, 1925 February 8, 1927 6. Walter E. Taylor ..........................February 8, 1927 January 10, 1933 7. Marion Wasson ......................... January 10, 1933 January 12, 1937 8. Grover S. Jernigan .................... January 12, 1937 January 14, 1941 9. Thomas W. Leggett ................... January 14, 1941 February 1, 1949 10. S. J. Dean ...................................February 1, 1949 December 31, 1949 11. Ed. I. McKinley, Jr. ................ December 31, 1949 March 14, 1953 12. A. R. Merritt................................... March 14, 1953 February 8, 1955 13. Dick Simpson..............................February 8, 1955 March 2, 1967 14. H. C. Adams ................................... March 3, 1967 March 16, 1979 15. Don R. Clark (Acting) ................... March 16, 1979 April 19, 1979 16. B. J. Lambert, Jr. ............................. April 19, 1979 April 15, 1983 17. Marlin D. Jackson ............................ April 15, 1983 October 1, 1987 18. Bill J. Ford .................................... October 1, 1987 July 31, 1998 19. Frank White ................................... August 1, 1998 May 21, 2003 20. Bunny Adcock ................................ June 23, 2003 June 11, 2007 21. Candace A. Franks ........................ June 13, 2007 …………….... 4 Arkansas State Bank Department STATE BANKING BOARD MEMBERS Mr. Gary Hudson Chairman The Farmers and Merchants Bank P.O. Box 1010 Stuttgart, AR 72160 VOICE: (870) 673-6911 FAX: (870) 673-4282 TERM EXPIRES: 12/31/2018 Mr. Gary Smith Vice Chairman 2525 North Fillmore Street Little Rock, AR 72207 VOICE: (501) 455-1324 TERM EXPIRES: 12/31/2018 Ms. Elizabeth Bowles 401 West Capitol Avenue, Suite 700 Little Rock, AR 72201 VOICE: (501) 374-4638 FAX: (501) 376-1377 TERM EXPIRES: 12/31/2016 Ms. Lana Hampton 2341 Surrey Lane Springdale, AR 72762 VOICE: (479) 750-8849 TERM EXPIRES: 12/31/2018 Mr. Zach McClendon Union Bank And Trust Company P.O. Box 270 Monticello, AR 71657-0270 VOICE: (870) 460-6400 FAX: (870) 460-6431 TERM EXPIRES: 12/31/2019 Mr. Randy Scott Farmers Bank And Trust Company P.O. Box 688 Blytheville, AR 72315-0688 VOICE: (870) 763-8101 FAX: (870) 763-3500 TERM EXPIRES: 12/31/2020 One Hundred and Second Report Arkansas State Bank Department 400 Hardin Road, Suite 100 Little Rock, Arkansas 72211-3502 VOICE: (501) 324-9019 FAX: (501) 324-9028 http://banking.arkansas.gov/ DEPARTMENTAL ROSTER Candace A. Franks - Bank Commissioner Luther Guinn - Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination State Banking Board Susannah T. Marshall - Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination Application Information EXAMINATION AND SUPERVISION Assistant Deputy Bank Commissioners: H. Wilks Marshall, Jr. Richard D. Buzbee Baker L. Moseley Michael G. Saunders Regulatory Examinations/Regulatory and Banking Procedures Bank Performance Evaluation and Monitoring Personnel Recruitment and Management EXAMINATION PERSONNEL LITTLE ROCK OFFICE Gary W. Bush - Certified Examinations Manager Matthew A. Rose - Certified Bank Senior Examiner Lance A. Nutt - Certified Bank Senior Examiner Jim E. Homan - Certified Bank Senior Examiner Jordan A. Patterson – Commissioned Bank Examiner Scott M. Lambert - Bank Senior Examiner Andrew D. McCormick - Bank Junior Examiner J. D. Sonnier - Bank Examiner Trainee 5 6 Arkansas State Bank Department LITTLE ROCK OFFICE Bob M. Henry - Certified Examinations Manager Luke B. Webre - Certified Bank Senior Examiner Jerry C. Corrothers - Certified Bank Senior Examiner Kelly M. Victory - Certified Bank Senior Examiner Thomas L. Cook - Certified Bank Senior Examiner Dharmin H. Patel - Certified Bank Senior Examiner Raychel M. Pendergist - Commissioned Senior Examiner Daniel E. Sims - Bank Junior Examiner Richard S. Plotkin - Certified Examinations Manager Jacklyn G. Powell - Certified Bank Senior Examiner NORTHWEST ARKANSAS OFFICE 777 Mathias Drive, Suite A Springdale, Arkansas 72762-0739 VOICE: (479) 751-5543 FAX: (479) 751-5815 NWArkansas@banking.state.ar.us Ken H. Leavell - Certified Examinations Manager Chris K. Davis - Certified Bank Senior Examiner Johnathon W. Welch - Bank Senior Examiner Adam W. Chase - Bank Examiner Trainee Wesley H. Mathis - Bank Examiner Trainee Wynne M. Morgan - Bank Examiner Trainee JONESBORO OFFICE 924 South Main Street Jonesboro, Arkansas 72401 VOICE: (870) 972-1744 FAX: (870) 972-1762 Jonesboro@banking.state.ar.us John K. Householder - Certified Examinations Manager William R. Milum - Bank Senior Examiner R. D. Jackson - Certified Bank Senior Examiner Shaun G. Perkins - Certified Bank Senior Examiner Chris A. Dillon - Certified Bank Senior Examiner W. Kent Darr - Certified Bank Senior Examiner T. J. Anderson - Certified Bank Senior Examiner W. Nathan Elliott - Certified Bank Senior Examiner Scott J. Smith - Certified Bank Senior Examiner S. Tanner McKnight - Bank Examiner Trainee Seth D. Parsley - Bank Examiner Trainee TRUST Stacey D. Leder - Bank Examinations Manager Mark G. Rye - Certified Bank Senior Examiner Kelly R. Davis - Bank Examiner Trainee One Hundred and Second Report INFORMATION SYSTEMS Jeffrey A. Cameron - Certified Examinations Manager Michael L. Green - Certified Bank Senior Examiner Donna J. Dodge – Bank Junior Examiner Ashish V. Patel - Bank Examiner Trainee BANK ANALYSIS AND APPLICATIONS John W. Ashby - Certified Examinations Manager M. Gregg Qualls - Certified Bank Senior Examiner Kevin C. Mosley - Certified Bank Senior Examiner Self-Examinations Bank Reports of Condition and Income Bank Holding Company Reports Research and Financial Analysis Public Information Requests Application Analysis Consumer Complaints LEGAL DIVISION Rules and Regulations Legal Filings and Inquiries Consumer Complaints INFORMATION TECHNOLOGY Robert L. Hughes - Administrator Mitch L. Vire - Systems Specialist Greg F. Langley - Systems Specialist Data Processing Support Research and Development Application Programming 7 8 Arkansas State Bank Department ADMINISTRATION DIVISION Gail Green - Fiscal Division Manager Vicki A. Wise - Payroll Services Coordinator Devan E. May - Procurement Coordinator Accounting and Employee Services Budget/Personnel/Payroll Performance Evaluations Expense Disbursements Purchasing Cynthia L. Nixon - Executive Assistant to the Commissioner Lori A. Morrison - Research Project Analyst Martha A. Guinn - Administrative Analyst Antwanette Pettigrew-House - Administrative Analyst Sharon K, Hacker – Administrative Analyst Administrative Support Examination Support and Processing Data Entry Barbara A. Mahoney - Research Project Analyst Rules and Regulations Manual Distribution Inquiries Charter Amendments and Charter Information Certificates of Good Standing One Hundred and Second Report CHARTER CONVERSIONS FROM JULY 1, 2015 TO JUNE 30, 2016 NAME / CHARTER / LOCATION NAME / CHARTER / LOCATION Ozark Heritage Bank, N.A. Nationally Chartered Bank 802 East Main Street Mountain View, Arkansas Stone Bank State Chartered Bank 802 East Main Street Mountain View, Arkansas The above institution’s charter conversion and name change were both effective August 4, 2015. The First National Bank of McGehee Nationally Chartered Bank 500 North Second Street McGehee, Arkansas First NaturalState Bank State Chartered Bank 500 North Second Street McGehee, Arkansas The above institution’s charter conversion and name change were both effective January 21, 2016. Simmons First National Bank Nationally Chartered Bank 501 Main Street Pine Bluff, Arkansas Simmons Bank State Chartered Bank 501 Main Street Pine Bluff, Arkansas The above institution’s charter conversion and name change were both effective March 31, 2016. Anstaff Bank, National Association Nationally Chartered Bank 100 First National Avenue Green Forest, Arkansas Anstaff Bank State Chartered Bank 100 First National Avenue Green Forest, Arkansas The above institution’s charter conversion was effective June 28, 2016. Bear State Bank, National Association Nationally Chartered Bank 5315 Highland Drive Little Rock, Arkansas Bear State Bank State Chartered Bank 5315 Highland Drive Little Rock, Arkansas The above institution’s charter conversion was effective June 28, 2016. 9 Arkansas State Bank Department 10 CORPORATE NAME CHANGES FROM JULY 1, 2015 TO JUNE 30, 2016 NAME / LOCATION NEW NAME / LOCATION The Bank of Augusta Augusta, Arkansas RiverWind Bank Augusta, Arkansas The above institution’s name change was effective August 4, 2015. First Bank Hampton, Arkansas Generations Bank Hampton, Arkansas The above institution’s name change was effective April 4, 2016. MERGERS OF STATE CHARTERED BANKS FROM JULY 1, 2015 TO JUNE 30, 2016 NAME / LOCATION NAME / LOCATION The Bank of Fayetteville Fayetteville, Arkansas The Farmers and Merchants Bank Stuttgart, Arkansas The above institutions’ merger was consummated November 30, 2015, with the surviving bank being The Farmers and Merchants Bank. Parkway Bank Rogers, Arkansas The Citizens Bank Batesville, Arkansas The above institutions’ merger was consummated December 21, 2015, with the surviving bank being The Citizens Bank. One Hundred and Second Report 11 BRANCHES APPROVED FROM JULY 1, 2015 TO JUNE 30, 2016 BANK LOCATION First Community Bank Batesville, Arkansas 306 Elder Street Bay, Arkansas First Community Bank Batesville, Arkansas 630 Southwest Drive Jonesboro, Arkansas The Citizens Bank Batesville, Arkansas 2710 Pine Street Arkadelphia, Arkansas The Citizens Bank Batesville, Arkansas 1617 East Joyce Boulevard Fayetteville, Arkansas Farmers Bank And Trust Company Blytheville, Arkansas 55 Park Street Wilson, Arkansas First Western Bank Booneville, Arkansas 1106 South Walton Boulevard Bentonville, Arkansas Centennial Bank Conway, Arkansas 4801 South University Drive, Suite 1 Fort Lauderdale, Florida Centennial Bank Conway, Arkansas 12 East 49 Street, 28 Floor New York, New York Merchants & Farmers Bank Dumas, Arkansas 3512 Highway 5 North Bryant, Arkansas Arvest Bank Fayetteville, Arkansas Elm Springs Road & 48 Street Springdale, Arkansas Arvest Bank Fayetteville, Arkansas 505 Northview Road Nixa, Missouri Bank of the Ozarks Little Rock, Arkansas 1549 East Joyce Boulevard Fayetteville, Arkansas Bank of the Ozarks Little Rock, Arkansas 2401 East Main Street Siloam Springs, Arkansas Bank of the Ozarks Little Rock, Arkansas 2773 West Sunset Avenue Springdale, Arkansas th th th 12 Arkansas State Bank Department BANK LOCATION Bank of the Ozarks Little Rock, Arkansas Custer Rd. & Collin McKinney Pkwy. McKinney, Texas Stone Bank Mountain View, Arkansas 900 S. Shackleford Road, Suite 210 Little Rock, Arkansas Diamond Bank Murfreesboro, Arkansas 2215 East Parkway Drive Russellville, Arkansas Merchants & Planters Bank Newport, Arkansas 3081 Harrison Street Batesville, Arkansas Citizens Bank & Trust Company Van Buren, Arkansas 8828 Highway 59 North Cedarville, Arkansas One Hundred and Second Report STATE CHARTERED BANKS SUBCHAPTER S CORPORATIONS BANK CITY FNBC Bank Ash Flat Bank of Bearden Bearden Farmers Bank And Trust Company Blytheville Community State Bank Bradley Bank of Cave City Cave City Chambers Bank Danville Bank of Delight Delight First State Bank of DeQueen DeQueen Arkansas County Bank DeWitt First Financial Bank El Dorado Cornerstone Bank Eureka Springs FBT Bank & Mortgage Fordyce Bank of Gravett Gravette Anstaff Bank Green Forest First Service Bank Greenbrier Today's Bank Huntsville First Arkansas Bank & Trust Jacksonville Little River Bank Lepanto Heartland Bank Little Rock Farmers Bank and Trust Company Magnolia The Peoples Bank Magnolia McGehee Bank McGehee The Union Bank of Mena Mena Commercial Bank & Trust Company Monticello Union Bank And Trust Company Monticello 13 14 Arkansas State Bank Department BANK LOCATION Diamond Bank Murfreesboro Piggott State Bank Piggott Gateway Bank Rison Riverside Bank Sparkman United Bank Springdale Bank of Star City Star City Warren Bank and Trust Company Warren One Hundred and Second Report 15 The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 2015, through June 30, 2016. RECEIPTS Cash Balance July 1, 2015 ........................................................ $7,039,301.05 Examination and Assessment Fees ........................ 8,710,506.00 Charter and Amendment Fees ..................................... 95,175.00 Interstate Sharing Fees ................................................ 19,275.00 Miscellaneous/Non-Revenue Income ............................... 945.49 Reimbursement for M & R Sales.................................. 11,138.26 Refund to Expenditures − Prior Year ............................. 3,956.09 Refund to Expenditures− Current Year .......................... 9,606.94 Total Receipts 8,850,602.78 $15,889,903.83 DISBURSEMENTS Salaries ................................................................... 5,082,190.76 Extra Help Salaries ............................................................... 0.00 Social Security, Retirement and Insurance Matching............................................................... 1,485,287.96 Maintenance and General Operations .................... 1,110,163.09 Conference Fees and Travel...................................... 266,162.57 Professional Fees and Services................................... 45,937.24 Capital Outlay............................................................. 123,996.72 Refunds Issued ..................................................................... 0.00 Service Charge by State Treasurer............................ 141,199.29 Total Disbursements 8,254,937.63 Cash Balance June 30, 2016 7,634,966.20 $15,889,903.83 16 Arkansas State Bank Department FEDERAL DEPOSIT INSURANCE CORPORATION Dallas Regional Office 1601 Bryan Street Dallas, Texas 75201 VOICE: (214) 754-0098 FAX: (972) 761-2082 http://www.fdic.gov Kristie K. Elmquist .............. Regional Director/Supervision/Consumer Protection Serena Owens................................ Deputy Regional Director/Risk Management Julie Banfield ............................. Deputy Regional Director/Consumer Protection Nathan Heizer ............................. Assistant Regional Director/Risk Management Mark Taylor.................................. Assistant Regional Director/Risk Management Mark Love .................................... Assistant Regional Director/Risk Management Joe Meade ................................... Assistant Regional Director/Risk Management Art Kahn ................................................. Assistant Regional Director/Compliance Stephen Zachary ....................................................................... Regional Counsel Memphis Area Office 6060 Primacy Parkway, Suite 300 Memphis, Tennessee 38119-5770 VOICE: (901) 685-1603 FAX: (901) 821-5308 Dana English ............................... Assistant Regional Director/Risk Management Chris Finnegan ...................................... Assistant Regional Director/Compliance Little Rock Field Office Financial Centre III Building 900 South Shackleford Road, Suite 500 Little Rock, Arkansas 72211 VOICE: (501) 228-6346 FAX: (501) 228-6568 Kristy Frame .................................................. Field Supervisor/Risk Management Polly Radford ................................................ Acting Field Supervisor/Compliance Memphis Field Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 VOICE: (901) 685-1603 FAX: (901) 818-1645 Eric Guyot ...................................................... Field Supervisor/Risk Management Polly Radford ................................................ Acting Field Supervisor/Compliance Shreveport Field Office Southpointe Center 3007 Knight Street, Suite 300 Shreveport, Louisiana 71105-2525 VOICE: (318) 868-6661 FAX: (318) 868-7870 Victor Ingram ................................................. Field Supervisor/Risk Management Sandra Jesberger .................................................... Field Supervisor/Compliance One Hundred and Second Report FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 411 Locust Street P. O. Box 442 St. Louis, Missouri 63166 VOICE: (314) 444-8444 FAX: (314) 444-8740 http://www.stls.frb.org James B. Bullard .......................................................................................... President David A. Sapenaro ....................................................................... First Vice President Karl W. Ashman ....................................................................... Senior Vice President Karen Branding ........................................................................ Senior Vice President Public and Community Affairs Cletus C. Coughlin .................................................................. Senior Vice President & Deputy Director of Research Mary H. Karr ............................................................................. Senior Vice President General Counsel & Corporate Secretary Kathleen O. Paese .............................................................. Executive Vice President Treasury Relations & Office Support Julie L. Stackhouse ............................................................. Executive Vice President Banking Supervision, Credit and Center for Learning Innovation Christopher J. Waller................................................................ Senior Vice President Director of Research Timothy Brown .....................................................................................Vice President Cash Management/Administration Timothy A. Bosch ................................................................................. Vice President Banking Supervision Marilyn K. Corona ................................................................................ Vice President Financial Management Anna Hart ............................................................................................. Vice President Human Resources Michael J. Mueller .................................................................... Group Vice President Support Services Carl White .............................................................................................Vice President Risk Management, Statistics, Credit & Payment Applications Michael D. Renfro .............................................................................. General Auditor Audit 17 18 Arkansas State Bank Department FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 (Continued) Little Rock Branch 111 Center Street th Suite 1000 (10 Floor) Little Rock, Arkansas 72201 VOICE: (501) 324-8300 FAX: (501) 324-8201 Robert A. Hopkins .................................................................Senior Branch Executive Memphis Branch 200 North Main Street P. O. Box 407 Memphis, Tennessee 38101-0407 VOICE: (901) 523-7171 FAX: (901) 579-2406 Douglas Scarboro .................................................................Senior Branch Executive Louisville Branch 101 South 5th Street, Suite 1920 Louisville, Kentucky 40202 VOICE: (502) 568-9200 FAX: (502) 568-9247 Nikki Jackson ........................................................................Senior Branch Executive One Hundred and Second Report COMPTROLLER OF THE CURRENCY Southern District Office 500 North Akard, Suite 1600 Dallas, Texas 75201-3323 VOICE: (214) 720-0656 FAX: (214) 720-7000 http://www.occ.gov Gilbert D. Barker........................................................................ Deputy Comptroller Kent Stone ................................................................ Associate Deputy Comptroller Carter Messick ........................................................ Associate Deputy Comptroller Oscar Harvey ..................................................................Risk & Operations Officer Randall M. Ryskamp ........................................................................District Counsel Karen Bryant............................................................................... Licensing Manager Little Rock Field Office 1401 West Capitol Avenue, Suite 350 Little Rock, Arkansas 72201-2915 VOICE: (501) 707-6400 FAX: (501) 225-2711 Paul Groot ................................................................. Assistant Deputy Comptroller Memphis Field Office (Satellite Office of Arkansas Field Office) Kimbrough Building, Suite 309 57 Germantown Court Cordova, Tennessee 38018-4268 VOICE: (901) 248-0224 FAX: (901) 624-5822 Paul Groot ................................................................. Assistant Deputy Comptroller Central and Western Oklahoma Field Office The Harvey Parkway Building rd 301 NW 63 Street, Suite 490 Oklahoma City, Oklahoma 73116-7909 VOICE: (405) 529-5701 FAX: (405) 848-8085 Brian Wall .................................................................. Assistant Deputy Comptroller Eastern Oklahoma Field Office 8282 South Memorial Drive, Suite 300 Tulsa, Oklahoma 74133-4346 VOICE: (918) 505-4500 FAX: (918) 459-0446 Carey Phillippi............................................................ Assistant Deputy Comptroller 19 20 Arkansas State Bank Department CONSUMER FINANCIAL PROTECTION BUREAU 1700 G Street Washington, D.C. 20552 VOICE: (202) 435-7000 Fax: (202) 435-7329 http://www.consumerfinance.gov Richard Cordray.............................................................................................. Director David Silberman ...................................................................................Deputy Director Christopher D’Angelo ............................................................................... Chief of Staff Stuart Ishimaru ............................................... Office of Equal Opportunity & Fairness Assistant Director Stuart Ishimaru ..................................................Office of Minority & Women Inclusion Assistant Director M. Stacey Bach ............................................................................ Office of Civil Rights Assistant Director Sartaj Alag ............................................................................... Chief Operating Officer Associate Director Gail Hillebrand ................................................... Consumer Education & Engagement Associate Director David Bleicken............................................Supervision, Enforcement & Fair Lending Associate Director David Silberman ..................................................... Research, Markets & Regulations Associate Director Zixta Martinez ....................................................................................... External Affairs Associate Director Meredith McLeod ................................................................................................. Legal General Counsel One Hundred and Second Report ARKANSAS BANKERS ASSOCIATION 1220 West Third Street Little Rock, Arkansas 72201 VOICE: (501) 376-3741 FAX: (501) 376-9243 http://www.arkbankers.org William R. Holmes ......................................................................... President & CEO Sean Williams............................................................................................ Chairman President & CEO The First National Bank of Wynne, Wynne Dave Dickson ................................................................................... Chairman-Elect President & CEO Union Bank and Trust Company, Monticello Cathy Owen ....................................................................................... Vice-Chairman Chairman of the Board Eagle Bank & Trust Company, Little Rock Judy Lawton .............................................................................................. Treasurer President & CEO Heartland Bank, Little Rock Robert Taylor ..................................................................................... Past Chairman Executive Credit Officer The Citizens Bank, Batesville (Continued) EMERGING LEADERS SECTION Blake Fletcher ............................................................................................ President Senior Vice President, Commercial Lending Stone Bank, Mountain View John Anderson ...................................................................................Vice President Assistant Vice President, Commercial Lending Relyance Bank, N.A., Pine Bluff George Purvis .......................................................................... Secretary/Treasurer Assistant Vice President, Lending Cornerstone Bank, Eureka Springs 21 22 Arkansas State Bank Department ARKANSAS COMMUNITY BANKERS ASSOCIATION 3801 Woodland Heights Road, Suite 125-G Little Rock, Arkansas 72212-2456 VOICE: (501) 246-4975 FAX: (501) 821-0377 E−Mail: info@arcommunitybankers.com http://www.arcommunitybankers.com Chris Padgett .................................................................................. Executive Director Bennie Ryburn, III ........................................................................................ President Vice Chairman Commercial Bank & Trust Company, Monticello Jim Gowen, Jr. .................................................................................... Vice President President & CEO Merchants & Planters Bank, Newport Gary Oltmann .............................................................................................. Treasurer Regional President - Stuttgart Arkansas County Bank, DeWitt Gary Head ................................................................................................... Secretary Chairman, President & CEO Signature Bank, Fayetteville Martin Carpenter .................................................................................. Past President Chairman FNBC Bank, Ash Flat One Hundred and Second Report CONFERENCE OF STATE BANK SUPERVISORS th th 1129 20 Street, NW, 9 Floor Washington, DC 20036 VOICE: (202) 296-8040 FAX: (202) 296-1928 http://www.csbs.org John Ryan ........................................................................................President & CEO Michael Stevens ...................................................... Senior Executive Vice President John “Buz” Gorman .......................................................................... General Counsel Tom Harlow ...............................Executive Vice President/Finance & Administration Bill Matthews ............................Executive Vice President, President & CEO of SRR Jim Cooper....... ......................................... Senior Vice President, Regulatory Policy Chuck Cross ....................................... Senior Vice President, Consumer Protection & Non-Depository Supervision Tim Doyle ......................................................... Senior Vice President of SRR Policy Margaret Liu ...................................Senior Vice President, Deputy General Counsel Vickie Slater.............................................. Senior Vice President of SRR Operations Sebastien Monnet ..................................... Vice President, Learning & Development Mary Beth Quist......................................... Senior Vice President, Bank Supervision Matt Comber ..............................................................................Director Accreditation James Kurtzke......................................................... Vice President Communications 23 Arkansas State Bank Department 24 CONSOLIDATED REPORT OF CONDITION DATA 86 STATE CHARTERED COMMERCIAL BANKS (in millions) JUNE 30, 2016 ASSETS Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin .................................... $1,114 b. Interest-bearing balances ................................................................................. 2,472 Securities: a. Held to maturity ................................................................................................. 1,544 b. Available-for sale............................................................................................. 13,765 Federal funds sold and securities purchased under agreements to resell ..................................................... 337 Net Loans and Leases.................................................................................................... 48,199 Trading assets ......................................................................................................................... 6 Premises and fixed assets ................................................................................................ 1,710 Other real estate owned ...................................................................................................... 254 Goodwill and other intangibles ......................................................................................... 1,874 All other assets ................................................................................................................. 2,074 Total assets ................................................................................................................... $73,349 LIABILITIES Deposits: a. In domestic offices ........................................................................................ $59,089 (1) Noninterest-bearing ....................................................................9,039 (2) Interest-bearing.........................................................................50,050 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 ...................................................... 940 Trading liabilities ...................................................................................................................... 0 Other borrowed money .....................................................................................................3,432 Subordinated notes and debentures ....................................................................................... 2 All other liabilities ................................................................................................................. 569 Total liabilities.................................................................................................................. 64,032 EQUITY CAPITAL Minority interests in consolidated subsidiaries ........................................................................ 4 Perpetual preferred stock ........................................................................................................ 3 Common stock ....................................................................................................................... 17 Surplus .............................................................................................................................. 5,117 Undivided profits ............................................................................................................... 4,176 Total equity capital ............................................................................................................9,317 Total liabilities, minority interest and equity capital.......................................................$73,349 One Hundred and Second Report 25 CONSOLIDATED STATEMENT OF CONDITION OF THE 46 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 2016 ASSETS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. Non-interest Bearing Deposits: a. Own Bank and Affiliate Institutions .................................................................. $14 b. Other Institutions .................................................................................................. 1 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions .................................................................. 202 b. Other Institutions .............................................................................................. 436 U.S. Government and Agency Obligations ............................................................. 1,485 State, County and Municipal Obligations ................................................................ 1,132 Other Short-Term Obligations........................................................................................ .2 Other Notes and Bonds .............................................................................................. 483 Money Market Funds ............................................................................................... 1,089 Other Mutual Funds ................................................................................................. 1,362 Stocks.......................................................................................................................3,373 Collective Investment Fund Units ............................................................................... 986 Real Estate Mortgages ................................................................................................ .18 Real Estate.................................................................................................................. 437 Miscellaneous Assets ................................................................................................. 982 Other .......................................................................................................................... 431 Total ...................................................................................................................$12,433 LIABILITIES Personal Accounts: 16. Personal Trusts ..................................................................................................... $2,210 17. Estates & Guardianships ..............................................................................................56 18. Investment Management & Advisory.......................................................................2,492 19. Custodial………….. ................................................................................................ 1,159 20. Agencies………….......................................................................................................676 Employee Benefit Accounts: 21. Trusts .......................................................................................................................2,061 22. Agencies ..................................................................................................................... 833 23. Custodial ..................................................................................................................... 329 Corporate and Municipal Securities Appointments: 24. Bond Trusteeships ................................................................................................... 1,481 25. Agencies ..................................................................................................................... 150 Collective Investment Funds: 26. Personal ...................................................................................................................... 836 27. Employee Benefit ........................................................................................................ 150 Internal Accounts: 28. Profit Accounts ................................................................................................................ 0 29. Suspense Accounts ........................................................................................................ 0 30. Total………………………………………… ..........…………………………………$12,433 Arkansas State Bank Department 26 CONSOLIDATED REPORT OF CONDITION DATA 17 NATIONAL BANKS (in millions) JUNE 30, 2016 ASSETS Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ....................................... $150 b. Interest-bearing balances .................................................................................... 260 Securities: a. Held-to-maturity.................................................................................................... 257 b. Available-for-sale .............................................................................................. 1,254 Federal funds sold and securities purchased under agreements to resell ....................................................... 51 Net loans and leases ........................................................................................................ 4,354 Trading assets ......................................................................................................................... 0 Premises and fixed assets................................................................................................... 160 Other real estate owned .......................................................................................................... 8 Goodwill and other intangibles .............................................................................................. 41 All other assets .................................................................................................................... 209 Total assets ..................................................................................................................... $6,744 LIABILITIES Deposits: a. In domestic offices .......................................................................................... $5,606 (1) Noninterest-bearing ....................................................................1,235 (2) Interest-bearing...........................................................................4,371 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 .......................................................... 7 Trading liabilities ...................................................................................................................... 0 Other borrowed money…. .................................................................................................. .300 Subordinated notes and debentures ....................................................................................... 0 All other liabilities ................................................................................................................... 30 Total liabilities.................................................................................................................... 5,943 EQUITY CAPITAL Minority interests in consolidated subsidiaries ........................................................................ 0 Perpetual preferred stock ........................................................................................................ 0 Common stock ....................................................................................................................... 11 Surplus ................................................................................................................................. 281 Undivided profits .................................................................................................................. 509 Total equity capital ............................................................................................................... 801 Total liabilities, minority interest and equity capital ........................................................$6,744 One Hundred and Second Report 27 TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2016 BANK CITY Southern Bancorp Bank FNBC Bank RiverWind Bank First Community Bank The Citizens Bank Bank of Bearden First National Bank of North Arkansas Farmers Bank And Trust Company First Western Bank Community State Bank The First National Bank of Izard County Bank of Cave City The Merchants and Planters Bank Centennial Bank First National Bank of Crossett First State Bank Chambers Bank River Town Bank Bank of Delight First State Bank of DeQueen Arkansas County Bank DeWitt Bank And Trust Company Merchants & Farmers Bank First Financial Bank Bank of England Cornerstone Bank Arvest Bank Signature Bank of Arkansas Twin Lakes Community Bank FBT Bank & Mortgage First National Bank of Eastern Arkansas Forrest City Bank, National Association The First National Bank of Fort Smith Bank of Gravett Anstaff Bank Arkadelphia Ash Flat Augusta Batesville Batesville Bearden Berryville Blytheville Booneville Bradley Calico Rock Cave City Clarendon Conway Crossett Crossett Danville Dardanelle Delight DeQueen DeWitt DeWitt Dumas El Dorado England Eureka Springs Fayetteville Fayetteville Flippin Fordyce Forrest City Forrest City Fort Smith Gravette Green Forest RATIO 9.76 10.47 10.13 8.49 7.69 13.46 10.79 9.32 8.23 14.32 33.72 9.21 11.24 9.24 11.20 12.98 12.93 11.18 18.45 9.23 10.70 18.47 10.87 12.32 12.16 10.85 7.59 12.45 9.83 11.07 10.00 7.19 11.41 12.95 8.94 28 Arkansas State Bank Department BANK CITY First Service Bank Farmers Bank Farmers Bank Generations Bank Community First Bank Helena National Bank Horatio State Bank Today's Bank First Arkansas Bank & Trust The Bank of Lake Village Little River Bank Bank of Little Rock Bank of the Ozarks Bear State Bank Central Bank Eagle Bank & Trust Company Heartland Bank One Bank & Trust, National Association The Capital Bank First State Bank Farmers Bank and Trust Company The Peoples Bank The Malvern National Bank First Community Bank of Eastern Arkansas First Delta Bank Bank of McCrory First NaturalState Bank McGehee Bank The Union Bank of Mena Commercial Bank & Trust Company Union Bank And Trust Company Petit Jean State Bank Integrity First Bank, National Association Stone Bank Allied Bank Diamond Bank Merchants & Planters Bank First National Bank The First National Bank at Paris Piggott State Bank Relyance Bank, National Association Greenbrier Greenwood Hamburg Hampton Harrison Helena - W. Helena Horatio Huntsville Jacksonville Lake Village Lepanto Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Lonoke Magnolia Magnolia Malvern Marion Marked Tree McCrory McGehee McGehee Mena Monticello Monticello Morrilton Mountain Home Mountain View Mulberry Murfreesboro Newport Paragould Paris Piggott Pine Bluff RATIO 10.28 18.56 11.05 9.10 11.58 14.81 10.93 14.80 15.26 12.81 12.76 10.78 15.00 10.42 15.02 11.48 11.34 4.74 9.86 9.54 9.03 10.97 10.00 12.03 11.02 10.81 11.47 14.02 10.65 10.16 9.53 11.81 10.29 13.94 1.80 10.03 9.93 10.65 11.25 8.70 12.84 One Hundred and Second Report BANK CITY Simmons Bank RiverBank Home Bank of Arkansas Bank of Prescott Gateway Bank Pinnacle Bank First State Bank Bank of Salem Logan County Bank First Security Bank Peoples Bank Smackover State Bank Riverside Bank Legacy National Bank United Bank Bodcaw Bank Bank of Star City Security Bank The Farmers and Merchants Bank Citizens Bank & Trust Company The First National Bank of Lawrence County First State Bank of Warren Warren Bank and Trust Company Evolve Bank & Trust Fidelity National Bank Cross County Bank The First National Bank of Wynne Pine Bluff Pocahontas Portland Prescott Rison Rogers Russellville Salem Scranton Searcy Sheridan Smackover Sparkman Springdale Springdale Stamps Star City Stephens Stuttgart Van Buren Walnut Ridge Warren Warren West Memphis West Memphis Wynne Wynne 29 RATIO 10.01 10.44 11.05 13.04 10.17 10.83 11.01 10.73 18.81 15.05 13.91 11.98 8.79 11.81 14.89 11.64 15.31 8.49 10.63 12.05 10.24 10.53 16.23 8.88 10.67 11.98 11.06 30 Arkansas State Bank Department NATIONAL BANKS HEADQUARTERED IN ARKANSAS JUNE 30, 2016 (000’s omitted) BANK CITY First National Bank of North Arkansas The First National Bank of Izard County First National Bank of Crossett First National Bank of Eastern Arkansas Forrest City Bank, National Association The First National Bank of Fort Smith Helena National Bank One Bank & Trust, National Association The Malvern National Bank Integrity First Bank, National Association First National Bank The First National Bank at Paris Relyance Bank, National Association Legacy National Bank The First National Bank of Lawrence County Fidelity National Bank The First National Bank of Wynne Berryville Calico Rock Crossett Forrest City Forrest City Fort Smith Helena – W. Helena Little Rock Malvern Mountain Home Paragould Paris Pine Bluff Springdale Walnut Ridge West Memphis Wynne ASSETS 187,098 158,187 143,395 381,584 47,947 1,248,998 184,857 316,624 503,168 432,869 1,090,614 136,920 663,756 371,603 201,032 400,593 275,222 REPORT OF THE EIGHTY-SIX STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2016 (000’s omitted) 32 Arkansas State Bank Department Southern Bancorp Bank Arkadelphia, AR VOICE: (870) 246-5811 FAX: (870) 246-5284 Trust Powers: Yes 605 Main Street 71923-0248 Charter Number: 142 Date: September 28, 1903 FDIC Certificate Number: 1528 Home Page: www.banksouthern.com Member of Federal Reserve System Bank Holding Company Southern Bancorp, Inc., Little Rock, AR Chm: Sherman E. Tate SVP: Gina Daniell CEO/Pres: John Olaimey TO: Terri Bowling Cash and Due from:.................................... 39,897 Federal Funds and Repos: .................................. 0 Investments: ............................................. 206,326 Net Loans: ................................................ 787,597 Premises and Fixed Assets:........................ 41,852 Other Real Estate: ........................................ 4,968 Other Assets: .............................................. 83,458 Total Assets: .......................................... 1,164,098 Total Trust Assets: ...................................... 22,240 Deposits: .................................................. 914,592 Federal Funds and Borrowings: .................. 94,885 Other Liabilities: ............................................ 7,233 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,016,710 Total Equity Capital: .................................. 147,388 Total Liabilities and Capital: ................... 1,164,098 Number of Shares Outstanding: .................. 24,000 Directors: Hugh Arant, Jr.; Jerry Damerow; Kim Evans; Mike Montgomery; Walter Morris, Jr.; John Olaimey; Darryl Swinton; Sherman Tate; Darrin Williams Branches in Town: One Other Branches: Barton, Bismarck, Blytheville (4), Clarksdale[MS], Drew[MS], El Dorado (2), Elaine, Eudora, Friars Point[MS], Gosnell, Greenville[MS] (2), Helena-West Helena (3), Hernando[MS], Hot Springs (3), Indianola[MS], Lambert[MS], Leland[MS], Lula[MS], Madison[MS], Malvern, Manila (2), Marvell, Mound Bayou[MS], Picayune[MS], Ruleville[MS], Shelby[MS] (2), Sledge[MS], Trumann, Webb[MS] One Hundred and Second Report 33 FNBC Bank Ash Flat, AR VOICE: (870) 994-2311 FAX: (870) 257-1889 Trust Powers: No CEO/Pres: Marty Sellars EVP: Dana Batterton 636 Ash Flat Drive 72513 Charter Number: 793 Date: January 16, 2014 FDIC Certificate Number: 1294 Home Page: www.fnbc.us Member of Federal Reserve System Bank Holding Company FNBC Bancorp, Inc., Ash Flat, AR EVP/CFO: Michael Burris EVP: Chad Hudson Cash and Due from: ...................................... 9,379 Federal Funds and Repos: .................................. 0 Investments: .............................................. 102,232 Net Loans:................................................. 246,145 Premises and Fixed Assets: ........................ 12,128 Other Real Estate: ............................................473 Other Assets: .............................................. 12,714 Total Assets: ............................................. 383,071 Total Trust Assets: .............................................. 0 Deposits: ...................................................268,600 Federal Funds and Borrowings: ...................69,000 Other Liabilities:...........................................12,125 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 349,725 Total Equity Capital: ....................................33,346 Total Liabilities and Capital: .......................383,071 Number of Shares Outstanding: ................100,000 Directors: Martin Carpenter; Borum Cooper; Rhonda Moody; Norma Orr; Marty Sellars Branches in Town: None Other Branches: Batesville, Cherokee Village, Hardy, Highland, Horseshoe Bend, Mammoth Spring, Melbourne, Mountain Home, Salem RiverWind Bank Augusta, AR VOICE: (870) 347-2511 FAX: (870) 347-2654 Trust Powers: Yes 100 South Second Street 72006-0120 Charter Number: 669 Date: February 20, 1935 FDIC Certificate Number: 15035 Home Page: www.riverwindbank.com Bank Holding Company None Chm/CEO: Charles P. Eldridge EVP/TO: Martha Ray Pres: William D. "Bill" Patton EVP/Atty: Casey Cullipher Cash and Due from: ...................................... 2,568 Federal Funds and Repos: ............................4,550 Investments: ................................................ 27,073 Net Loans:................................................... 54,147 Premises and Fixed Assets: .............................817 Other Real Estate: ............................................796 Other Assets: ................................................ 3,841 Total Assets: ............................................... 93,792 Total Trust Assets: ........................................3,959 Deposits: .....................................................82,102 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................2,229 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................84,331 Total Equity Capital: ......................................9,461 Total Liabilities and Capital: .........................93,792 Number of Shares Outstanding: ....................8,000 Directors: Dr. Steven Collier; Winston Collier; W. P. Daniel, Jr.; W. P. Daniel, III; Charlie Eldridge; Mark Eldridge; R. E. Gregory, Jr.; Ronald Jones Branches in Town: One Other Branches: Searcy (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: Chris Treat Cash and Due from:.................................... 17,071 Federal Funds and Repos: .............................. 525 Investments: ............................................. 158,709 Net Loans: ................................................ 867,970 Premises and Fixed Assets:........................ 29,315 Other Real Estate: ........................................ 6,850 Other Assets: .............................................. 27,469 Total Assets: .......................................... 1,107,909 Total Trust Assets: .................................... 115,880 Deposits: .................................................. 878,353 Federal Funds and Borrowings: ................ 129,877 Other Liabilities: ............................................ 4,167 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,012,397 Total Equity Capital: .................................... 95,512 Total Liabilities and Capital: ................... 1,107,909 Number of Shares Outstanding: .................. 34,523 Directors: Donald C. Bedell; Dale E. Cole; Boris A. Dover; Preston W. "Chip" Grace, III; Rick Kent; Ray LaCroix; Dianne Lamberth; Dr. Charles McClain; John Sarratt; Frank Tripp; Sheila Wagnon; Keith Webb Branches in Town: Two Other Branches: Bald Knob, Bay, Cabot, Cave City, Cherokee Village, Goodman[MO], Jane[MO], Jonesboro, Mountain Home, Neosho[MO] (2), Searcy (3) The Citizens Bank Batesville, AR VOICE: (870) 793-4441 FAX: (870) 698-6299 Trust Powers: Yes 200 South Third Street 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: Phil Baldwin SVP/TO: Robin Brock SVP/CFO: Karen Shaw Cash and Due from:.................................... 37,118 Federal Funds and Repos: ........................... 3,800 Investments: ............................................. 155,421 Net Loans: ................................................ 515,703 Premises and Fixed Assets:........................ 12,079 Other Real Estate: ........................................ 1,572 Other Assets: .............................................. 26,288 Total Assets: ............................................. 751,981 Total Trust Assets: .................................... 134,962 Deposits: .................................................. 569,168 Federal Funds and Borrowings: ................ 110,831 Other Liabilities: ............................................ 2,488 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 682,487 Total Equity Capital: .................................... 69,494 Total Liabilities and Capital: ...................... 751,981 Number of Shares Outstanding: .................. 16,500 Directors: Phil Baldwin; Dr. Lackey G. Moody, M.D.; Doyle "Rog" Rogers, Jr.; Jay F. Shell; Kay Southerland; Jeffery F. Teague; Paula Terrell Branches in Town: Three Other Branches: Arkadelphia, Cave City, Crossett, Fayetteville, Hot Springs (2), Imboden, Monticello (2), Mountain View, Pleasant Plains, Portland, Rogers, Southside One Hundred and Second Report 35 Bank of Bearden Bearden, AR VOICE: (870) 687-2233 FAX: (870) 687-2474 Trust Powers: No Chm/Pres: Rick Green EVP: Ken Riley 1 Second Street 71720-0135 Charter Number: 688 Date: June 17, 1945 FDIC Certificate Number: 16282 Bank Holding Company Bearden Bancshares, Inc., Bearden, AR VP: Donnie Castleberry VP/Cash: Susan Lusby Cash and Due from: ...................................... 5,943 Federal Funds and Repos: ...............................725 Investments: ..................................................8,688 Net Loans:................................................... 28,040 Premises and Fixed Assets: ...............................99 Other Real Estate: ..............................................12 Other Assets: ...................................................192 Total Assets: ............................................... 43,699 Total Trust Assets: .............................................. 0 Deposits: .....................................................37,597 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 19 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................37,616 Total Equity Capital: ......................................6,083 Total Liabilities and Capital: .........................43,699 Number of Shares Outstanding: ....................8,300 Directors: John E. Anthony; Steven M. Anthony; Rick Green; Ronald A. Ramsay; Ken Riley; Russell G. Weatherly; Brett Wood; Betty Word; Steve Wright Branches in Town: None Other Branches: None Farmers Bank And Trust Company Blytheville, AR VOICE: (870) 763-8101 FAX: (870) 763-3500 Trust Powers: Yes Chm/CEO: Steve Bell Pres/COO: Randy Scott 400 West Main Street 72315-0688 Charter Number: 253 Date: March 16, 1908 FDIC Certificate Number: 1027 Home Page: www.farmersbankbly.com Member of Federal Reserve System Bank Holding Company Farmers Bancorp, Inc., Blytheville, AR CFO: Shelly Crosskno Cash and Due from: .................................... 43,917 Federal Funds and Repos: .................................. 0 Investments: ................................................ 17,587 Net Loans:................................................. 395,953 Premises and Fixed Assets: ..........................8,926 Other Real Estate: .........................................3,957 Other Assets: .............................................. 12,812 Total Assets: ............................................. 483,152 Total Trust Assets: .............................................. 0 Deposits: ...................................................415,792 Federal Funds and Borrowings: ...................20,801 Other Liabilities:.............................................2,366 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 438,959 Total Equity Capital: ....................................44,193 Total Liabilities and Capital: .......................483,152 Number of Shares Outstanding: ..................40,000 Directors: Dan B. Andrews, Jr.; Steve Bell; Paula O. Blackwell; Ronny Goff; John Langston; Drew G. Lawrence; Gaylon M. Lawrence, Jr.; Randy Scott; Harold Sudbury, Jr.; Tommy W. Wagner, Jr. Branches in Town: Four Other Branches: Franklin[TN], Manila, Nashville[TN] 36 Arkansas State Bank Department First Western Bank Booneville, AR VOICE: (479) 936-2000 FAX: (479) 878-3408 Trust Powers: Yes 80 West Main Street 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 EVP/COO: Lynne Coan Pres/COO: Steve Gramling SVP/CFO: Andrea Shepherd Cash and Due from:.................................... 15,630 Federal Funds and Repos: .............................. 200 Investments: ............................................... 11,191 Net Loans: ................................................ 292,986 Premises and Fixed Assets:........................ 10,807 Other Real Estate: ........................................ 4,852 Other Assets: .............................................. 14,181 Total Assets: ............................................. 349,847 Total Trust Assets: ............................................... 0 Deposits: .................................................. 303,257 Federal Funds and Borrowings: .................. 14,500 Other Liabilities: ............................................ 3,233 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 320,990 Total Equity Capital: .................................... 28,857 Total Liabilities and Capital: ...................... 349,847 Number of Shares Outstanding: ................ 100,000 Directors: Dan Brown; Clay Conly; Matt Crafton; Steve Gramling; John T. Hampton; John Mack; David Remy; Dale Webster; Johnny Williams; Jane Woolley Branches in Town: One Other Branches: Bella Vista, Caulksville, Fort Smith, Magazine, Rogers (3) Community State Bank Bradley, AR VOICE: (870) 894-3322 FAX: (870) 894-3324 Trust Powers: No CEO/Pres: Bob Genestet EVP/SLO: Sherri Jones 208 West Fourth Street 71826-0120 Charter Number: 653 Date: April 10, 1933 FDIC Certificate Number: 5619 Bank Holding Company Allcorp, Inc., Little Rock, AR VP/Cash: Regina Smith Cash and Due from:...................................... 2,381 Federal Funds and Repos: .................................. 0 Investments: ................................................. 4,112 Net Loans: .................................................... 8,636 Premises and Fixed Assets:............................. 447 Other Real Estate: ............................................... 0 Other Assets: ................................................... 763 Total Assets: ............................................... 16,339 Total Trust Assets: ............................................... 0 Deposits: .................................................... 13,322 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 34 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 13,356 Total Equity Capital: ...................................... 2,983 Total Liabilities and Capital: ........................ 16,339 Number of Shares Outstanding: .................. 10,000 Directors: Bob Genestet; Alex Golden; Ellen Golden; Lex Golden; Amy McCay Branches in Town: None Other Branches: None One Hundred and Second Report 37 Bank of Cave City Cave City, AR VOICE: (870) 283-5301 FAX: (870) 283-6466 Trust Powers: Yes 137 South Main Street 72521-0490 Charter Number: 209 Date: July 2, 1906 FDIC Certificate Number: 105 Home Page: www.bankofcavecity.com Member of Federal Reserve System Bank Holding Company Sharp Bancshares, Inc., Cave City, AR Chm: Samuel F. Beller EVP/CFO: Dennis Esteb CEO/Pres: John M. Beller EVP/CLO: Gayla Hickman Cash and Due from: ...................................... 4,781 Federal Funds and Repos: .................................. 0 Investments: ................................................ 12,086 Net Loans:................................................... 72,667 Premises and Fixed Assets: ..........................4,199 Other Real Estate: ............................................748 Other Assets: ................................................ 6,450 Total Assets: ............................................. 100,931 Total Trust Assets: .............................................. 0 Deposits: .....................................................85,928 Federal Funds and Borrowings: .....................3,623 Other Liabilities:.............................................1,975 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................91,526 Total Equity Capital: ......................................9,405 Total Liabilities and Capital: .......................100,931 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: Evening Shade, Lynn, Strawberry The Merchants and Planters Bank Clarendon, AR VOICE: (870) 747-3319 FAX: (870) 747-3498 Trust Powers: No 297 Madison Street 72029-0280 Charter Number: 21 Date: July 23, 1890 FDIC Certificate Number: 107 Bank Holding Company Clarendon Holding Co., Clarendon, AR Chm: J. Baxter Sharp, III Pres: J. Kendall Henry Cash and Due from: ...................................... 1,692 Federal Funds and Repos: ............................4,700 Investments: ................................................ 28,100 Net Loans:................................................... 10,323 Premises and Fixed Assets: .............................274 Other Real Estate: ..............................................60 Other Assets: ...................................................353 Total Assets: ............................................... 45,502 Total Trust Assets: .............................................. 0 Deposits: .....................................................39,956 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 192 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................40,148 Total Equity Capital: ......................................5,354 Total Liabilities and Capital: .........................45,502 Number of Shares Outstanding: ....................5,660 Directors: James W. Faulkner; J. Kendall Henry; B. J. Hopson; E. Davidson Lee; Kirby Meacham, Jr.; J. Baxter Sharp, III Branches in Town: None Other Branches: None 38 Arkansas State Bank Department Centennial Bank Conway, AR VOICE: (501) 328-4663 FAX: (501) 328-4601 Trust Powers: Yes 620 Chestnut Street 72032 Charter Number: 118 Date: May 12, 1903 FDIC Certificate Number: 11241 Home Page: www.my100bank.com Member of Federal Reserve System Bank Holding Company Home BancShares, Inc., Conway, AR Chm: John W. Allison EVP: Kevin Hester CEO/Pres: Tracy French CFO: Brian Davis Cash and Due from:.................................. 185,840 Federal Funds and Repos: .............................. 525 Investments: .......................................... 1,502,064 Net Loans: ............................................. 6,947,814 Premises and Fixed Assets:...................... 205,602 Other Real Estate: ...................................... 17,778 Other Assets: ............................................ 695,399 Total Assets: .......................................... 9,555,022 Total Trust Assets: .................................... 448,575 Deposits: ............................................... 6,769,830 Federal Funds and Borrowings: ............. 1,491,961 Other Liabilities: .......................................... 46,160 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 8,307,951 Total Equity Capital: ............................... 1,247,071 Total Liabilities and Capital: ................... 9,555,022 Number of Shares Outstanding: .................... 2,400 Directors: Milburn Adams; Robert H. Adcock, Jr.; John W. Allison; Rick Ashley; Dale Bruns; Brian Davis; Jack Engelkes; William J. Farris, Jr.; Tracy French; Kevin Hester; Jim Rankin, Jr.; C. Randall Sims Branches in Town: Six Other Branches: Apalachicola[FL], Atkins, Batesville (2), Beebe (2), Bentonville, Big PIne Key[FL], Blountstown[FL], Bristol[FL], Bryant, Cabot (4), Carrabelle[FL], Clarksville, Crawfordville[FL], Dade City[FL], Daphne[AL], Dardanelle, Destin[FL], Eastpoint[FL], Elberta[AL], Fairhope[AL], Fayetteville (2), Foley[AL], Fort Smith (3), Ft. Lauderdale[FL], Greenbrier, Gulf Shores[AL], Heber Springs, Highland, Islamorada[FL], Jacksonville (2), Jonesboro (5), Key Largo[FL], Key West[FL] (3), Kissimmee[FL], Lake Mary[FL], Lakeland[FL], Little Rock (8), Lutz[FL], Marathon[FL] (2), Marco Island[FL], Mayflower, Mexico Beach[FL], Monette, Morrilton, Mountain Home (2), Mountain View (2), Naples[FL], Navarre[FL], North Little Rock (6), Oakland Park[FL], Orange Beach[AL], Orlando[FL], Panama City[FL], Panama City Beach[FL] (2), Paragould (3), Pensacola[FL] (2), Plant City[FL], Port Charlotte[FL], Port Saint Joe[FL], Pottsville, Punta Gorda[FL], Quincy[FL], Quitman, Rector, Rogers, Russellville (3), Saint George Island[FL], Saint Petersburg[FL], Santa Rosa Beach[FL] (2), Sarasota[FL], Searcy (3), Sherwood, Siloam Springs (2), Spring Hill[FL], Springdale, St. Cloud[FL], Tallahassee[FL] (6), Tampa[FL] (3), Tontitown, Van Buren, Vilonia, Ward, Wewahitchka[FL], Winter Haven[FL], Winter Park[FL], Zephyrhills[FL] One Hundred and Second Report 39 First State Bank Crossett, AR VOICE: (870) 364-5131 FAX: (870) 364-6329 Trust Powers: No 200 Pine Street 71635-0638 Charter Number: 718 Date: May 13, 1963 FDIC Certificate Number: 18987 Home Page: www.fsbcrossett.com Bank Holding Company Evergreen Bancshares, Inc., Crossett, AR Chm: Richard E. Griffin VP: Tressie A. Mills CEO/Pres: Howard M. Beaty, Jr. VP: Edith Morrison Cash and Due from: ...................................... 9,931 Federal Funds and Repos: .................................25 Investments: ..................................................7,731 Net Loans:................................................... 16,124 Premises and Fixed Assets: ..........................1,255 Other Real Estate: ............................................577 Other Assets: ................................................ 1,138 Total Assets: ............................................... 36,781 Total Trust Assets: .............................................. 0 Deposits: .....................................................31,692 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 263 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................31,955 Total Equity Capital: ......................................4,826 Total Liabilities and Capital: .........................36,781 Number of Shares Outstanding: ................100,000 Directors: Howard M. Beaty, Jr.; Patricia Draper; Richard E. Griffin; Harry D. Stephens, Jr.; Barney White Branches in Town: One Other Branches: None Chambers Bank Danville, AR VOICE: (479) 495-2236 FAX: (479) 495-4650 Trust Powers: No 901 Main Street 72833-0609 Charter Number: 615 Date: October 3, 1930 FDIC Certificate Number: 5615 Home Page: www.chambers-bank.com Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm/CEO: John Ed Chambers, III CFO/Cont: Landi Mkhize Pres: Mike Donnell CCO: John Moore Cash and Due from: ...................................... 6,848 Federal Funds and Repos: .......................... 22,750 Investments: ................................................ 37,593 Net Loans:................................................. 540,665 Premises and Fixed Assets: ........................ 11,295 Other Real Estate: ....................................... 24,677 Other Assets: .............................................. 28,787 Total Assets: ............................................. 672,615 Total Trust Assets: .............................................. 0 Deposits: ...................................................552,788 Federal Funds and Borrowings: ...................23,906 Other Liabilities:.............................................5,159 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 581,853 Total Equity Capital: ....................................90,762 Total Liabilities and Capital: .......................672,615 Number of Shares Outstanding: ..................10,000 Directors: Thomas Akin; Danny Bunting; John Ed Chambers, III; Bill Donnell; Mike Donnell; Nathan George; Larry Hillyard; John Russell Meeks; John O. Moore; Robert R. Redfern Branches in Town: One Other Branches: Amity, Bentonville, Dardanelle, Elkins (2), Fayetteville, Fort Smith (2), Havana, Hot Springs, Hot Springs Village, Mansfield, Mena, Springdale (2), Waldron 40 Arkansas State Bank Department River Town Bank Dardanelle, AR VOICE: (479) 229-3311 FAX: (479) 229-4180 Trust Powers: Yes 102 North Front Street 72834-0577 Charter Number: 668 Date: September 12, 1934 FDIC Certificate Number: 14749 Home Page: www.rivertownbank.com Bank Holding Company Bank of Dardanelle Bankshares, Inc., Dardanelle, AR Chm/CEO/Pres: Blake Tarpley CFO: Randy Blanton EVP: Thomas C. Berryhill Cash and Due from:...................................... 7,927 Federal Funds and Repos: ........................... 4,375 Investments: ............................................... 31,789 Net Loans: .................................................. 85,959 Premises and Fixed Assets:.......................... 6,274 Other Real Estate: ........................................... 570 Other Assets: ................................................ 3,348 Total Assets: ............................................. 140,242 Total Trust Assets: ............................................... 0 Deposits: .................................................. 119,858 Federal Funds and Borrowings: .................... 3,078 Other Liabilities: ............................................... 240 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 123,176 Total Equity Capital: .................................... 17,066 Total Liabilities and Capital: ...................... 140,242 Number of Shares Outstanding: .................... 8,000 Directors: Dee Abrams; Thomas C. Berryhill; Barbara Bullock; Bunny Bullock; William R. Bullock, Sr.; Blake Tarpley; Adam Waldron Branches in Town: One Other Branches: Atkins, Conway, Danville, Dover, Russellville Bank of Delight Delight, AR VOICE: (870) 379-2293 FAX: (870) 379-2575 Trust Powers: No 503 East Antioch Street 71940-0068 Charter Number: 342 Date: June 16, 1911 FDIC Certificate Number: 99 Home Page: www.bankofdelight.com Bank Holding Company None Chm/CEO: Darwin Hendrix Pres/COO: Vince Grimes Cash and Due from:...................................... 7,398 Federal Funds and Repos: ........................... 5,900 Investments: ............................................... 12,654 Net Loans: .................................................. 71,081 Premises and Fixed Assets:............................. 370 Other Real Estate: ........................................... 270 Other Assets: ................................................ 1,355 Total Assets: ............................................... 99,028 Total Trust Assets: ............................................... 0 Deposits: .................................................... 71,317 Federal Funds and Borrowings: .................... 9,396 Other Liabilities: ............................................... 118 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 80,831 Total Equity Capital: .................................... 18,197 Total Liabilities and Capital: ........................ 99,028 Number of Shares Outstanding: .................. 15,583 Directors: Gary Chambliss; Rodney Fagan; Darwin Hendrix; David B. Hendrix; John D. Ledbetter; Jeff L. Milam; Rusty Silvey Branches in Town: None Other Branches: Prescott One Hundred and Second Report 41 First State Bank of DeQueen DeQueen, AR VOICE: (870) 642-4423 FAX: (870) 642-2847 Trust Powers: No 402 West Collin Raye Drive 71832-0970 Charter Number: 731 Date: August 26, 1974 FDIC Certificate Number: 21805 Home Page: www.fsbdequeen.com Member of Federal Reserve System Bank Holding Company First State Bancshares, Inc., DeQueen, AR Chm: Dennis Smiley Reg Pres: Noel Bard CEO/Pres: Gary L. Golden Reg Pres: J. Marc Jackson Cash and Due from: ...................................... 6,390 Federal Funds and Repos: ...............................175 Investments: ................................................ 39,634 Net Loans:................................................. 156,431 Premises and Fixed Assets: ..........................4,967 Other Real Estate: ..............................................21 Other Assets: ................................................ 7,675 Total Assets: ............................................. 215,293 Total Trust Assets: .............................................. 0 Deposits: ...................................................183,711 Federal Funds and Borrowings: .....................8,774 Other Liabilities:.............................................2,743 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 195,228 Total Equity Capital: ....................................20,065 Total Liabilities and Capital: .......................215,293 Number of Shares Outstanding: ..................76,000 Directors: Julie Brown; Gary Dan Futrell; Gary L. Golden; Edward Revels; Dennis Smiley; Don Stemple; Angie Walker Branches in Town: One Other Branches: Dierks, Lockesburg, Murfreesboro, Nashville Arkansas County Bank DeWitt, AR VOICE: (870) 946-3551 220 West Cross Street Charter Number: 790 FAX: (870) 946-1562 72042 Date: September 26, 2006 Trust Powers: Yes FDIC Certificate Number: 3858 Home Page: www.arkansascountybank.com Member of Federal Reserve System Bank Holding Company DeWitt First Bankshares Corporation, DeWitt, AR CEO/Pres: Warren A. Jennings, Jr. VP/TO: Gena M. Jennings VP/Cash: Mary West Cash and Due from: ...................................... 5,531 Federal Funds and Repos: ............................1,325 Investments: ................................................ 53,865 Net Loans:................................................. 102,449 Premises and Fixed Assets: ..........................4,133 Other Real Estate: ............................................901 Other Assets: ................................................2,975 Total Assets: ............................................. 171,179 Total Trust Assets: ...................................... 27,733 Deposits: ...................................................126,688 Federal Funds and Borrowings: ...................25,157 Other Liabilities:............................................... 228 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 152,073 Total Equity Capital: ....................................19,106 Total Liabilities and Capital: .......................171,179 Number of Shares Outstanding: .......................... 1 Directors: Dale K. Bennett; Kim B. Bethea; Georgea M. Greaves; M. Edward Hord; Waymon Hornbeck; Mary M. Jennings; Warren A. Jennings, Jr.; Warren A. Jennings, Sr.; K. Daniel Kennedy; Lester A. McKinley; James N. Moss, Jr.; Jimmie Rodgers; Gary Sebree Branches in Town: None Other Branches: Lockesburg, Stuttgart 42 Arkansas State Bank Department DeWitt Bank And Trust Company DeWitt, AR VOICE: (870) 946-3531 FAX: (870) 946-2815 Trust Powers: Yes Second & Jefferson Streets 72042-0071 Charter Number: 605 Date: March 1, 1929 FDIC Certificate Number: 1522 Home Page: www.dewittbankandtrust.com Bank Holding Company DBT Financial Corporation, DeWitt, AR Chm: Becca Mehlin EVP: Tricia Bull CEO/Pres: David Jessup TO: Jason Grantham Cash and Due from:...................................... 2,676 Federal Funds and Repos: ........................... 6,850 Investments: ............................................... 58,690 Net Loans: .................................................. 39,190 Premises and Fixed Assets:............................. 565 Other Real Estate: ........................................... 546 Other Assets: ................................................ 7,674 Total Assets: ............................................. 116,191 Total Trust Assets: ...................................... 82,953 Deposits: .................................................... 86,803 Federal Funds and Borrowings: .................... 4,467 Other Liabilities: ............................................... 698 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 91,968 Total Equity Capital: .................................... 24,223 Total Liabilities and Capital: ...................... 116,191 Number of Shares Outstanding: .................. 54,000 Directors: Tricia Bull; Lyn Crawford; James L. Fly, Jr.; David Jessup; Charles E. Lumsden; Becca R. Mehlin; Deane Robinson; Hallie Ehrlicher Simonton; Dean Watts Branches in Town: None Other Branches: Gillett Merchants & Farmers Bank Dumas, AR VOICE: (870) 382-4311 FAX: (870) 382-5901 Trust Powers: Yes 500 Highway 65 South 71639 Charter Number: 278 Date: May 10, 1909 FDIC Certificate Number: 8735 Home Page: www.mfbanknet.com Bank Holding Company M & F Financial Corporation, Dumas, AR Chm/CFO: L. Ashton Adcock EVP: Betty B. Trites CEO/Pres: J. Michael Jones TO: Glenda B. Owen Cash and Due from:...................................... 3,741 Federal Funds and Repos: .................................. 0 Investments: ............................................... 16,326 Net Loans: .................................................. 90,302 Premises and Fixed Assets:.......................... 4,120 Other Real Estate: ............................................... 0 Other Assets: ................................................ 5,050 Total Assets: ............................................. 119,539 Total Trust Assets: ...................................... 50,259 Deposits: .................................................... 98,185 Federal Funds and Borrowings: .................... 8,394 Other Liabilities: ............................................... 228 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 106,807 Total Equity Capital: .................................... 12,732 Total Liabilities and Capital: ...................... 119,539 Number of Shares Outstanding: .................. 40,000 Directors: L. Ashton Adcock; Jimmie Appleberry; L. Sue Frank; John F. Freeman; Bruce Gasaway; Brooks Gill; Marion S. Gill; James L. Hill; J. Michael Jones; Don Livingston; William W. Shea; David Walt Branches in Town: One Other Branches: None One Hundred and Second Report 43 First Financial Bank El Dorado, AR VOICE: (870) 863-7000 FAX: (870) 881-5393 Trust Powers: No 214 North Washington Street Charter Number: 778 71730-1754 Date: April 15, 1999 FDIC Certificate Number: 28905 Home Page: www.ffb1.com Member of Federal Reserve System Bank Holding Company First Financial Banc Corporation, El Dorado, AR Chm: Jeffrey W. Nolan CFO: Melissa Jerry CEO/Pres: Chris Hegi Sec: Debra Martin Cash and Due from: .................................... 15,525 Federal Funds and Repos: .......................... 23,350 Investments: ................................................ 21,766 Net Loans:................................................. 774,518 Premises and Fixed Assets: ..........................7,642 Other Real Estate: .........................................7,117 Other Assets: .............................................. 36,984 Total Assets: ............................................. 886,902 Total Trust Assets: .............................................. 0 Deposits: ...................................................660,089 Federal Funds and Borrowings: .................113,718 Other Liabilities:.............................................2,296 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 776,103 Total Equity Capital: ..................................110,799 Total Liabilities and Capital: .......................886,902 Number of Shares Outstanding: ................704,757 Directors: Jerry Bullard; J. Stephen Cameron; Chris Hegi; John D. Milam; James M. Moore, Jr.; Margaret M. Niel; Jeffrey W. Nolan; Gary W. Sewell; Dr. Stephen C. Smart Branches in Town: Four Other Branches: Carthage[MS], Senatobia[MS], Smackover Bank of England England, AR VOICE: (501) 842-2555 FAX: (501) 842-2422 Trust Powers: No 123 South Main Street 72046-0070 Charter Number: 48 Date: August 8, 1898 FDIC Certificate Number: 13303 Home Page: www.bankofengland-ar.com Bank Holding Company MHBC Investments Limited Partnership, I, England, AR Chm/CEO/Pres: Gary Canada, Sr. VP: Gary Canada, Jr. EVP: Hanna B. Canada Cash: Sheila Rice Cash and Due from: ...................................... 6,419 Federal Funds and Repos: ............................8,050 Investments: ................................................ 23,339 Net Loans:................................................. 279,349 Premises and Fixed Assets: ..........................6,841 Other Real Estate: .........................................1,681 Other Assets: .............................................. 18,264 Total Assets: ............................................. 343,943 Total Trust Assets: .............................................. 0 Deposits: ...................................................228,270 Federal Funds and Borrowings: ...................58,175 Other Liabilities:...........................................15,696 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 302,141 Total Equity Capital: ....................................41,802 Total Liabilities and Capital: .......................343,943 Number of Shares Outstanding: ..................10,000 Directors: James Neal Anderson; Brad Canada; Gary Canada, Jr.; Gary Canada, Sr.; Hanna B. Canada; Nicole Canada Luebke Branches in Town: One Other Branches: Carlisle, Little Rock, Lonoke, North Little Rock 44 Arkansas State Bank Department Cornerstone Bank Eureka Springs, AR VOICE: (479) 253-2265 FAX: (479) 253-1165 Trust Powers: No 70 South Main Street 72632-0309 Charter Number: 374 Date: May 4, 1912 FDIC Certificate Number: 5635 Home Page: www.cstonebank.net Bank Holding Company Eureka Bancshares, Inc., Eureka Springs, AR CEO/Pres: Charles T. Cross EVP/CLO: Jason Tennant Cash and Due from:...................................... 8,813 Federal Funds and Repos: .............................. 875 Investments: ............................................... 35,525 Net Loans: ................................................ 137,816 Premises and Fixed Assets:.......................... 8,580 Other Real Estate: ........................................ 3,752 Other Assets: ................................................ 7,023 Total Assets: ............................................. 202,384 Total Trust Assets: ............................................... 0 Deposits: .................................................. 157,616 Federal Funds and Borrowings: .................. 21,821 Other Liabilities: ............................................ 1,487 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 180,924 Total Equity Capital: .................................... 21,460 Total Liabilities and Capital: ...................... 202,384 Number of Shares Outstanding: .................... 4,000 Directors: Genes L. Bland; Charles T. Cross; John F. Cross, Sr.; Johnice Cross; Lewis E. Epley, Jr.; William E. Goff; Rex A. Gustin; Daniel J. Mumaugh; Archie B. Ryan, Jr.; Dale Steffens; Mark Stone; Jason Tennant; Randy Wolfinbarger Branches in Town: One Other Branches: Berryville, Holiday Island, Huntsville One Hundred and Second Report 45 Arvest Bank Fayetteville, AR VOICE: (479) 750-1400 FAX: (479) 770-1615 Trust Powers: Yes 75 North East Street 72702-1327 Charter Number: 31 Date: December 24, 1892 FDIC Certificate Number: 8728 Home Page: www.arvest.com Member of Federal Reserve System Bank Holding Company Arvest Holdings, Inc., Bentonville, AR Chm: Jim C. Walton EVP/CFO: Karla S. Payne CEO/Pres: K. Kevin Sabin EVP/COO: Phillip O. Porter Cash and Due from: ............................... 1,123,620 Federal Funds and Repos: .................................. 0 Investments: ........................................... 4,841,358 Net Loans:.............................................. 9,245,376 Premises and Fixed Assets: ...................... 408,932 Other Real Estate: ....................................... 18,665 Other Assets: ............................................ 974,570 Total Assets: ........................................ 16,612,521 Total Trust Assets: ................................. 3,333,690 Deposits: .............................................. 14,239,251 Federal Funds and Borrowings: .................500,704 Other Liabilities:......................................... 199,638 Subordinated Debt: ............................................. 0 Total Liabilities: .................................... 14,939,593 Total Equity Capital: ............................... 1,672,928 Total Liabilities and Capital: .................. 16,612,521 Number of Shares Outstanding: ................350,692 Directors: Claudia L. Bratcher; J. Robert Kelly; James M. King; Bradley W. Krieger; Karla S. Payne; Phillip O. Porter; Lisa Ray; K. Kevin Sabin; Donald E. Walker; Jim C. Walton Branches in Town: Nine Other Branches: Ada[OK], Alma, Anderson[MO], Aurora[MO], Bartlesville[OK] (5), Bella Vista (3), Belton[MO], Benton, Bentonville (6), Berryville (2), Branson[MO], Branson West[MO], Broken Arrow[OK] (4), Bryant, Bull Shoals, Cabot, Caney[KS], Carthage[MO] (3), Cassville[MO], Catoosa[OK], Centerton, Chickasha[OK], Choctaw[OK], Clarksville (2), Conway (3), Coweta[OK], Del City[OK], Dewey[OK] (2), Duncan[OK] (3), Edmond[OK] (3), Elgin[OK], Elkins, Eufaula[OK], Eureka Springs, Farmington, Flippin, Forsyth[MO], Fort Smith (9), Gardner[KS], Gentry, Gladstone[MO], Gravette, Greenwood, Grove[OK], Harrison (4), Hindsville, Hollister[MO], Hot Springs (6), Huntsville, Independence[MO], Jacksonville, Jay[OK], Jenks[OK], Joplin[MO] (6), Kansas [OK], Kansas City[MO] (6), Lawton[OK] (4), Lead Hill, Leawood[KS], Lebanon[MO], Lee's Summit[MO] (2), Lenexa[KS], Lincoln, Little Rock (10), Lockwood[MO], Lonoke, Lowell, Maumelle, McAlester[OK], Mena, Miami[OK], Midwest City[OK], Mission[KS], Monett[MO], Moore[OK], Morrilton, Mountain Grove[MO], Mountain Home (3), Muskogee[OK] (4), Neosho[MO] (2), Nevada[MO], Nixa[MO], Noel[MO], Norman[OK] (7), North Little Rock (3), Nowata[OK] (2), Oklahoma City[OK] (10), Okmulgee[OK], Ottawa[KS], Overland Park[KS], Owasso[OK] (2), Paris, Pea Ridge, Pineville[MO], Pittsburg[KS], Poteau[OK], Prairie Grove (2), Pryor[OK] (2), Rogers (7), Russellville (5), Sallisaw[OK], Sand Springs[OK], Sapulpa[OK], Shawnee[OK] (3), Shell Knob[MO], Sherwood (2), Siloam Springs (3), Springdale (6), Springfield[MO] (4), Stillwater[OK] (2), Stilwell[OK], Tahlequah[OK] (3), Tontitown, Tulsa[OK] (18), Van Buren (3), Vinita[OK], Wagoner[OK], Walters[OK], Webb City[MO], West Fork, West Plains[MO], Westville[OK], Yellville, Yukon[OK] 46 Arkansas State Bank Department Signature Bank of Arkansas Fayetteville, AR VOICE: (479) 684-3700 FAX: (479) 684-3795 Trust Powers: Yes 3878 N. Crossover Road, Suite 20 72703 Charter Number: 660 Date: August 28, 1933 FDIC Certificate Number: 89 Home Page: www.sbofa.com Bank Holding Company White River Bancshares Company, Fayetteville, AR Chm/CEO/Pres: Gary R. Head COO: Marilyn Hendricks CFO: Russell W. Nugent, Jr. CLO: Daniel J. Lewis Cash and Due from:.................................... 10,177 Federal Funds and Repos: .............................. 100 Investments: ............................................... 50,309 Net Loans: ................................................ 409,702 Premises and Fixed Assets:.......................... 6,775 Other Real Estate: ...................................... 13,712 Other Assets: ................................................ 9,383 Total Assets: ............................................. 500,158 Total Trust Assets: ............................................... 0 Deposits: .................................................. 397,430 Federal Funds and Borrowings: .................. 37,551 Other Liabilities: ............................................ 2,798 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 437,779 Total Equity Capital: .................................... 62,379 Total Liabilities and Capital: ...................... 500,158 Number of Shares Outstanding: .................. 30,000 Directors: Dan Bowers; John A. Dominick; Matthew Duffy; Gary R. Head; Greg Lee; Jerry P. Maland; Dave Morton; Todd Simmons Branches in Town: None Other Branches: Bentonville, Brinkley (2), Springdale Twin Lakes Community Bank Flippin, AR VOICE: (870) 453-8522 FAX: (870) 453-8525 Trust Powers: No 301 South First Street 72634 Charter Number: 620 Date: December 2, 1930 FDIC Certificate Number: 15880 Home Page: www.tlcbank.net Member of Federal Reserve System Bank Holding Company First National Bancorp, Inc., Green Forest, AR Chm: Judy R. Loving Pres/CFO: Marcus Walser CEO: Jerry Cunningham Cash and Due from:...................................... 3,065 Federal Funds and Repos: ........................... 2,800 Investments: ................................................. 2,417 Net Loans: ................................................ 102,515 Premises and Fixed Assets:.......................... 5,159 Other Real Estate: ............................................. 95 Other Assets: ................................................ 6,750 Total Assets: ............................................. 122,801 Total Trust Assets: ............................................... 0 Deposits: .................................................. 102,277 Federal Funds and Borrowings: .................... 3,750 Other Liabilities: ............................................... 537 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 106,564 Total Equity Capital: .................................... 16,237 Total Liabilities and Capital: ...................... 122,801 Number of Shares Outstanding: ................ 469,594 Directors: Jerry Cunningham; Keith Daffron; Randy Hopper; Philip Hurst; Brad King; Judy R. Loving; Noel Morris; Stephen E. Stafford Branches in Town: None Other Branches: Mountain Home, Norfork One Hundred and Second Report 47 FBT Bank & Mortgage Fordyce, AR VOICE: (870) 352-3107 FAX: (870) 352-5202 Trust Powers: Yes 200 West Fourth Street 71742-2202 Charter Number: 631 Date: January 5, 1931 FDIC Certificate Number: 1028 Home Page: www.fordycebank.com Member of Federal Reserve System Bank Holding Company FBT Bancshares, Inc., Fordyce, AR Chm/CEO/Pres/TO: James V. Hulse, Jr. EVP: Bruce Dawson EVP: Suzette Crutchfield EVP: Don Lyle Cash and Due from: .................................... 23,751 Federal Funds and Repos: .................................. 0 Investments: ................................................ 36,914 Net Loans:................................................... 83,818 Premises and Fixed Assets: ..........................2,213 Other Real Estate: ..............................................92 Other Assets: ................................................ 4,434 Total Assets: ............................................. 151,222 Total Trust Assets: ........................................1,172 Deposits: ...................................................119,564 Federal Funds and Borrowings: ...................14,300 Other Liabilities:............................................... 695 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 134,559 Total Equity Capital: ....................................16,663 Total Liabilities and Capital: .......................151,222 Number of Shares Outstanding: ....................8,000 Directors: Joe D. Barnes; Suzette Crutchfield; James V. Hulse, Jr.; Anthony Nutt; Gregory S. Ray; John N. Summers; Greg Terry; Charles B. Trussell; Clyde Williams Branches in Town: One Other Branches: Pine Bluff, Rison, White Hall Bank of Gravett Gravette, AR VOICE: (479) 787-5251 FAX: (479) 787-6102 Trust Powers: No 211 Main Street SE 72736 Charter Number: 46 Date: February 28, 1898 FDIC Certificate Number: 5636 Home Page: www.bankofgravett.net Bank Holding Company Gravett Bancshares, Inc., Gravette, AR CEO/Pres: Rick Pollreis SVP: Brenda Bridge SVP: Bob King CLO: James L. Smith Cash and Due from: ...................................... 6,825 Federal Funds and Repos: ...............................175 Investments: ................................................ 28,159 Net Loans:................................................... 77,562 Premises and Fixed Assets: ..........................2,612 Other Real Estate: ............................................884 Other Assets: ................................................ 6,826 Total Assets: ............................................. 123,043 Total Trust Assets: .............................................. 0 Deposits: ...................................................105,181 Federal Funds and Borrowings: .....................1,129 Other Liabilities:............................................... 348 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 106,658 Total Equity Capital: ....................................16,385 Total Liabilities and Capital: .......................123,043 Number of Shares Outstanding: ....................4,000 Directors: Jim A. Edmondson; Sharron Y. Edmondson; Kenny R. Hancock; John A. Lykins; William R. Meade; Richard T. Pollreis; James L. Smith; Rex Waggoner Branches in Town: One Other Branches: Centerton, Hiwasse 48 Arkansas State Bank Department Anstaff Bank Green Forest, AR VOICE: (870) 438-5214 FAX: (870) 438-5412 Trust Powers: Yes 100 First National Avenue 72638 Charter Number: 801 Date: June 28, 2016 FDIC Certificate Number: 3869 Home Page: www.anstaffbank.com Bank Holding Company First National Bancorp, Inc., Green Forest, AR Chm/CEO: Stephen E. Stafford SVP/COO: Byron Russ Pres: Brad King CFO/VP: Shelby Bruffett Cash and Due from:.................................... 28,772 Federal Funds and Repos: ......................... 11,400 Investments: ............................................. 101,381 Net Loans: ................................................ 266,589 Premises and Fixed Assets:.......................... 7,597 Other Real Estate: ........................................ 2,571 Other Assets: .............................................. 16,325 Total Assets: ............................................. 434,635 Total Trust Assets: ............................................... 0 Deposits: .................................................. 378,424 Federal Funds and Borrowings: .................. 12,305 Other Liabilities: ............................................ 3,750 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 394,479 Total Equity Capital: .................................... 40,156 Total Liabilities and Capital: ...................... 434,635 Number of Shares Outstanding: .................... 7,500 Directors: Tommy Ray Anderson; Brad King; Ken Reeves; Logan Scott Stafford; Stephen E. Stafford Branches in Town: One Other Branches: Berryville (2), Harrison (2), Huntsville, Jasper, Kingston First Service Bank Greenbrier, AR VOICE: (501) 679-7200 FAX: (501) 679-5104 Trust Powers: No 136 South Broadview Street Charter Number: 732 72058-0190 Date: October 15, 1976 FDIC Certificate Number: 18519 Home Page: www.firstservicebank.com Bank Holding Company First Service Bancshares, Inc., Greenbrier, AR Chm/CEO/Pres: Thomas H. Grumbles CFO/COO: Kenneth Barnard Cash and Due from:.................................... 22,411 Federal Funds and Repos: ........................... 1,200 Investments: ............................................... 16,870 Net Loans: ................................................ 209,512 Premises and Fixed Assets:.......................... 9,203 Other Real Estate: ........................................... 500 Other Assets: ................................................ 8,978 Total Assets: ............................................. 268,674 Total Trust Assets: ............................................... 0 Deposits: .................................................. 215,407 Federal Funds and Borrowings: .................. 24,519 Other Liabilities: ............................................ 1,496 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 241,422 Total Equity Capital: .................................... 27,252 Total Liabilities and Capital: ...................... 268,674 Number of Shares Outstanding: .................. 15,000 Directors: James Beavers; Steve Bone; Dr. Gary Bowman; Melton Cotton; Thomas H. Grumbles; Jim Hawks; Dr. Kyle D. Hensley; Dois "Dyke" Johnson; Jerry Kimbrough; Randy McCaslin; Larry Oaks Branches in Town: None Other Branches: Clinton, Conway, Dermott, Flippin, Little Rock, Marshall, Mountain View, Shirley, Yellville One Hundred and Second Report 49 Farmers Bank Greenwood, AR VOICE: (479) 996-4171 FAX: (479) 996-6700 Trust Powers: Yes 71 West Center Street 72936-0610 Charter Number: 243 Date: August 7, 1907 FDIC Certificate Number: 1296 Home Page: www.gofarmersbank.com Bank Holding Company Wilkinson Banking Corporation, Greenwood, AR Chm: Elizabeth Wilkinson Pres: Edward Wilkinson CEO: Stanhope Wilkinson TO: Norman Wilkinson Cash and Due from: ...................................... 4,113 Federal Funds and Repos: ............................4,150 Investments: ................................................ 79,052 Net Loans:................................................... 88,373 Premises and Fixed Assets: ........................ 14,556 Other Real Estate: .........................................1,802 Other Assets: ................................................ 9,133 Total Assets: ............................................. 201,179 Total Trust Assets: ........................................6,747 Deposits: ...................................................161,916 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 508 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 162,424 Total Equity Capital: ....................................38,755 Total Liabilities and Capital: .......................201,179 Number of Shares Outstanding: ....................7,500 Directors: Tresa Lowe; Edward Wilkinson; Elizabeth Wilkinson; Norman Wilkinson; Stanhope Wilkinson; Susan Wilkinson Branches in Town: One Other Branches: Barling, Bonanza, Fort Smith (2), Hackett, Hartford, Huntington, Lavaca, Mansfield Farmers Bank Hamburg, AR VOICE: (870) 853-5222 210 North Main Street Charter Number: 680 FAX: (870) 853-2333 71646-0350 Date: March 10, 1941 Trust Powers: No FDIC Certificate Number: 15810 Home Page: www.farmersbankhamburg.com Bank Holding Company None Chm: Jack Shell VP: Virginia Bowman CEO/Pres: Kenneth Allbritton VP/Cash: June M. Golden Cash and Due from: .................................... 16,517 Federal Funds and Repos: ...............................175 Investments: ................................................ 14,418 Net Loans:.....................................................9,480 Premises and Fixed Assets: .............................521 Other Real Estate: ..............................................19 Other Assets: ...................................................667 Total Assets: ............................................... 41,797 Total Trust Assets: .............................................. 0 Deposits: .....................................................37,382 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 69 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................37,451 Total Equity Capital: ......................................4,346 Total Liabilities and Capital: .........................41,797 Number of Shares Outstanding: ..................44,520 Directors: Gene Barnes; William E. Foote, IV; Freddie Martin; Jack Shell; Nancy C. Foote Spivey; Bobby J. Witherington Branches in Town: None Other Branches: None 50 Arkansas State Bank Department Generations Bank Hampton, AR VOICE: (870) 837-8300 FAX: (870) 837-8310 Trust Powers: No 302 West Main Street 71744-0008 Charter Number: 220 Date: October 26, 1906 FDIC Certificate Number: 88 Home Page: www.firstbankar.com Bank Holding Company Harrell Bancshares, Inc., Camden, AR CEO/Pres: Phillip J. Foster COO: Sandy Ferguson CFO: Jason Trenary Cash and Due from:...................................... 7,120 Federal Funds and Repos: ......................... 10,950 Investments: ............................................... 81,925 Net Loans: ................................................ 272,016 Premises and Fixed Assets:.......................... 6,636 Other Real Estate: ........................................... 629 Other Assets: .............................................. 14,070 Total Assets: ............................................. 393,346 Total Trust Assets: ............................................... 0 Deposits: .................................................. 338,241 Federal Funds and Borrowings: .................. 14,530 Other Liabilities: ............................................ 2,967 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 355,738 Total Equity Capital: .................................... 37,608 Total Liabilities and Capital: ...................... 393,346 Number of Shares Outstanding: .................... 4,000 Directors: L. D. Becton, III; Dan H. Byars; Paul Church; Gene Dereuisseaux; Sandra Ferguson; Phillip J. Foster; Ben Harrell; Carl Harrell; Jonathan W. Harrell; Robert Kimbel; Paul E. Lindsey; John F. Marsh; James M. Morgan; William B. Morrison; Richard H. Mosley; John David Neeley; Richard L. Smith; William Titus Branches in Town: None Other Branches: Camden (3), Fayetteville, Junction City, Rogers, Siloam Springs, Van Buren Community First Bank Harrison, AR VOICE: (870) 391-8000 FAX: (870) 391-8081 Trust Powers: Yes 200 East Ridge Avenue 72601 Charter Number: 772 Date: October 14, 1997 FDIC Certificate Number: 34611 Home Page: www.communityfirstbank.com Bank Holding Company Community First Bancshares, Inc., Harrison, AR Chm: Jerry Maland CFO/COO: Ann Main CEO/Pres: David Morton CCO: Danny Criner Cash and Due from:...................................... 8,736 Federal Funds and Repos: .............................. 525 Investments: ............................................... 80,946 Net Loans: ................................................ 371,540 Premises and Fixed Assets:........................ 10,018 Other Real Estate: ........................................ 3,982 Other Assets: ................................................ 8,693 Total Assets: ............................................. 484,440 Total Trust Assets: ............................................... 0 Deposits: .................................................. 385,138 Federal Funds and Borrowings: .................. 41,507 Other Liabilities: ............................................ 1,901 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 428,546 Total Equity Capital: .................................... 55,894 Total Liabilities and Capital: ...................... 484,440 Number of Shares Outstanding: .................. 60,000 Directors: Dan R. Bowers; Danny Criner; J. Kirkwood Dupps; Jim Harp; Elizabeth Kelley; Ann Main; Jerry Maland; Mike McNutt; Meredith Miller; David Morton; Jim Sprott; Deretha Walker Branches in Town: One Other Branches: Berryville, Eureka Springs, Pea Ridge One Hundred and Second Report 51 Horatio State Bank Horatio, AR VOICE: (870) 832-2501 FAX: (870) 832-2577 Trust Powers: No 123 Main Street 71842-0347 Charter Number: 179 Date: May 15, 1905 FDIC Certificate Number: 109 Home Page: www.horatiostatebank.com Bank Holding Company Pioneer Bancshares, Inc. of Horatio, Arkansas, Horatio, AR Chm/CEO/Pres: Carl E. Hendrix, III SVP: Edith H. Smith EVP: Todd B. Trimble Cash and Due from: .................................... 21,084 Federal Funds and Repos: ............................2,525 Investments: ................................................ 18,724 Net Loans:................................................. 127,099 Premises and Fixed Assets: .............................590 Other Real Estate: ............................................... 0 Other Assets: ................................................ 3,217 Total Assets: ............................................. 173,239 Total Trust Assets: .............................................. 0 Deposits: ...................................................154,149 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 213 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 154,362 Total Equity Capital: ....................................18,877 Total Liabilities and Capital: .......................173,239 Number of Shares Outstanding: ....................2,000 Directors: Margaret S. Griffin; Michael B. Griffin; Carl E. Hendrix, III; Edith H. Smith; Wilburn Smith; Elizabeth H. Trimble; Todd B. Trimble Branches in Town: None Other Branches: None Today's Bank Huntsville, AR VOICE: (479) 582-0700 FAX: (479) 251-8253 Trust Powers: Yes 432 Harmony Road 72740-0667 Charter Number: 756 Date: July 26, 1991 FDIC Certificate Number: 33470 Home Page: www.todaysbank.com Bank Holding Company Mathias Bancshares, Inc., Springdale, AR Chm: Sam Mathias EVP/COO: Marivel Radcliffe CEO/Pres: Larry Olson SVP/CLO: Mark A. Marks Cash and Due from: ...................................... 8,165 Federal Funds and Repos: ...............................125 Investments: ................................................ 18,599 Net Loans:................................................... 81,219 Premises and Fixed Assets: ..........................2,906 Other Real Estate: .........................................1,431 Other Assets: ................................................ 3,583 Total Assets: ............................................. 116,028 Total Trust Assets: .............................................. 0 Deposits: .....................................................92,116 Federal Funds and Borrowings: .....................5,650 Other Liabilities:............................................... 872 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................98,638 Total Equity Capital: ....................................17,390 Total Liabilities and Capital: .......................116,028 Number of Shares Outstanding: ..................27,000 Directors: Sam Mathias; Bob Nickle; Larry Olson; Lew Thompson; Arthur Thurman; Jane Waters Branches in Town: One Other Branches: Fayetteville (2), Springdale 52 Arkansas State Bank Department First Arkansas Bank & Trust Jacksonville, AR VOICE: (501) 982-4511 FAX: (501) 982-5769 Trust Powers: Yes 600 West Main Street 72076 Charter Number: 701 Date: August 2, 1949 FDIC Certificate Number: 16849 Home Page: www.firstarkansasbank.com Bank Holding Company First Arkansas BancShares, Inc., Jacksonville, AR Chm/CEO/Pres: Larry T. Wilson SVP/CFO: Kim Crook Cash and Due from:.................................... 35,972 Federal Funds and Repos: .............................. 525 Investments: ............................................. 185,462 Net Loans: ................................................ 409,891 Premises and Fixed Assets:........................ 21,902 Other Real Estate: ............................................. 90 Other Assets: .............................................. 62,161 Total Assets: ............................................. 716,003 Total Trust Assets: .................................... 115,944 Deposits: .................................................. 546,108 Federal Funds and Borrowings: .................. 28,542 Other Liabilities: ............................................ 6,153 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 580,803 Total Equity Capital: .................................. 135,200 Total Liabilities and Capital: ...................... 716,003 Number of Shares Outstanding: ................ 200,000 Directors: Cecil Alexander; Tommy Bond; Jamie Cobb; Pat Hagge; James E. Peacock; Kathryn W. Roberts; Terry Toney; Larry T. Wilson; Michael K. Wilson Branches in Town: Four Other Branches: Austin, Cabot (3), Clinton, Damascus, Gravel Ridge, Greenbrier, Guy, Heber Springs (3), Higden, Quitman, Sherwood (2) The Bank of Lake Village Lake Village, AR VOICE: (870) 265-2241 FAX: (870) 265-2125 Trust Powers: No 201 Main Street 71653-0727 Charter Number: 675 Date: October 14, 1937 FDIC Certificate Number: 15547 Home Page: www.bankoflakevillage.com Member of Federal Reserve System Bank Holding Company Southeast Arkansas Bank Corporation, Lake Village, AR Chm: Charles H. Weissinger, Jr. VChm: William W. Bunker CEO/Pres: Terence J. Alpe Sec: John Todd Potter Cash and Due from:...................................... 2,802 Federal Funds and Repos: .............................. 700 Investments: ............................................... 23,999 Net Loans: .................................................. 33,922 Premises and Fixed Assets:............................. 989 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,247 Total Assets: ............................................... 63,659 Total Trust Assets: ............................................... 0 Deposits: .................................................... 54,489 Federal Funds and Borrowings: .................... 2,000 Other Liabilities: ............................................... 108 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 56,597 Total Equity Capital: ...................................... 7,062 Total Liabilities and Capital: ........................ 63,659 Number of Shares Outstanding: .................. 60,000 Directors: Terence J. Alpe; Sam E. Angel; Sam Epstein Angel, II; William W. Bunker, Sr.; Dr. John P. Burge, Sr.; David F. Gillison, Jr.; Joseph J. Pieroni; John Todd Potter; Charles H. Weissinger, Jr.; Guy Mattingly Weissinger Branches in Town: One Other Branches: None One Hundred and Second Report 53 Little River Bank Lepanto, AR VOICE: (870) 475-2306 FAX: (870) 475-3070 Trust Powers: Yes 202 Greenwood Avenue 72354-0340 Charter Number: 498 Date: November 21, 1919 FDIC Certificate Number: 1298 Home Page: www.littleriverbank.com Bank Holding Company Little River Bancshares, Inc., Lepanto, AR Interim Pres: Lois Criddle VP: Monica Sims SVP: Jana Malone Cash and Due from: ...................................... 4,453 Federal Funds and Repos: ............................1,000 Investments: ................................................ 14,650 Net Loans:................................................... 12,732 Premises and Fixed Assets: .............................205 Other Real Estate: ..............................................12 Other Assets: ...................................................226 Total Assets: ............................................... 33,278 Total Trust Assets: .............................................. 0 Deposits: .....................................................28,704 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 124 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................28,828 Total Equity Capital: ......................................4,450 Total Liabilities and Capital: .........................33,278 Number of Shares Outstanding: ..................10,000 Directors: E. Ritter Arnold; Hadley Ingram Arnold; Scott Arnold, IV; Dannal Perry; Frankie L. Pratt; Juliet Romano; Henry G. Watkins, III Branches in Town: None Other Branches: None Bank of Little Rock Little Rock, AR VOICE: (501) 376-0800 FAX: (501) 376-1642 Trust Powers: Yes 200 North State Street 72201 Charter Number: 748 Date: May 4, 1989 FDIC Certificate Number: 91280 Home Page: www.bankoflittlerock.com Member of Federal Reserve System Bank Holding Company Little Rock Bankshares, Inc., Little Rock, AR Chm/CEO/Pres: Eugene L. Maris SVP/Cash: Lee A. Swearingen SVP: Kim Markland Cash and Due from: ...................................... 7,646 Federal Funds and Repos: ............................2,925 Investments: ................................................ 60,912 Net Loans:................................................. 115,567 Premises and Fixed Assets: ..........................6,405 Other Real Estate: .........................................3,621 Other Assets: ................................................ 4,542 Total Assets: ............................................. 201,618 Total Trust Assets: .............................................. 0 Deposits: ...................................................178,501 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................1,156 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 179,657 Total Equity Capital: ....................................21,961 Total Liabilities and Capital: .......................201,618 Number of Shares Outstanding: ................100,000 Directors: Eugene L. Maris; James M. May, III; Stephen W. Plunkett; Steven C. Russell Branches in Town: Four Other Branches: None 54 Arkansas State Bank Department Bank of the Ozarks Little Rock, AR VOICE: (501) 978-2265 FAX: (501) 978-2282 Trust Powers: Yes 17901 Chenal Parkway 72223 Charter Number: 121 Date: March 24, 1903 FDIC Certificate Number: 110 Home Page: www.bankozarks.com Bank Holding Company Bank of the Ozarks, Inc., Little Rock, AR Chm/CEO: George G. Gleason, II CFO: Greg McKinney Pres: Dan Thomas COO: Tyler Vance Cash and Due from:.................................. 806,526 Federal Funds and Repos: .................................. 0 Investments: ............................................. 818,244 Net Loans: ............................................. 9,664,871 Premises and Fixed Assets:...................... 305,475 Other Real Estate: ...................................... 23,002 Other Assets: ............................................ 648,092 Total Assets: ........................................ 12,266,210 Total Trust Assets: ................................. 1,679,145 Deposits: ............................................. 10,209,334 Federal Funds and Borrowings: .................. 96,050 Other Liabilities: .......................................... 87,649 Subordinated Debt: .............................................. 0 Total Liabilities: .................................... 10,393,033 Total Equity Capital: ............................... 1,873,177 Total Liabilities and Capital: ................. 12,266,210 Number of Shares Outstanding: .................... 2,340 Directors: Nicholas A. Brown; Paula Cholmondeley; Richard L. Cisne; Robert C. East; Catherine B. Freedberg; George G. Gleason, II; Linda D. Gleason; Peter C. Kenny; Bill Koefoed; Henry Mariani; Walter J. Mullen; Robert Proost; John B. Reynolds; Dan Thomas; Ross M. Whipple Branches in Town: 10 Other Branches: Adairsville[GA], Advance[NC], Allen[TX], Alma, Altus, Arkadelphia (2), Asheboro[NC], Athens[GA], Austin[TX], Bainbridge[GA] (2), Bella Vista (2), Benton (3), Bentonville (2), Bessemer City[NC], Bluffton[SC], Boiling Springs[NC], Bradenton[FL] (3), Brunswick[GA], Bryant, Cabot (2), Cairo[GA], Calhoun[GA], Carrollton[TX], Cartersville[GA] (2), Cedar Park[TX], Charlotte[NC], Clarksville (2), Clearwater[FL] (4), Clinton, Concord[NC], Conway (4), Cornelius[NC], Cramerton[NC], Cumming[GA], Dallas[GA], Dallas[TX], Dawsonville[GA] (2), Douglasville[GA], Fayetteville (3), Forest City[NC], Fort Smith (3), Frisco[TX] (2), Gastonia[NC], Geneva[AL], Harrisburg[NC], Harrison (3), Hilton Head Island[SC], Hope (2), Hot Springs (6), Hot Springs Village, Houston[TX] (4), Jasper, Keller[TX], Kings Mountain[NC], Lake Park[GA], Landis[NC], Lawndale[NC], Lewisville[TX], Lincolnton[NC], Lockhart[TX], Lonoke, Lonsdale, Magnolia (2), Malvern (2), Marble Hill[GA], Marshall, Maumelle, McDonough[GA], Mobile[AL] (2), Mocksville[NC], Mountain Home (2), Mulberry, New York[NY], Newnan[GA], North Little Rock (3), Oakwood[GA], Ocala[FL], Ozark (2), Palmetto[FL], Paris, Plano[TX], Rogers (3), Rome[GA], Russellville (3), San Antonio[TX], Savannah[GA], Senoia[GA], Sharpsburg[GA], Shelby[NC] (5), Sherwood, Siloam Springs, South Pasadena[FL], Southlake[TX], Springdale, St. Simons Island[GA], Texarkana, Texarkana[TX] (2), The Colony[TX], Valdosta[GA] (3), Van Buren (2), Western Grove, Wilmington[NC], Winston-Salem[NC], Yellville One Hundred and Second Report 55 Bear State Bank Little Rock, AR VOICE: (501) 975-6033 FAX: (501) 975-6999 Trust Powers: No 5315 Highland Drive 72223 Charter Number: 800 Date: June 28, 2016 FDIC Certificate Number: 3857 Member of Federal Reserve System Bank Holding Company Bear State Financial, Inc., Little Rock, AR Chm: Richard N. Massey Pres: James Matthew Machen CEO: Mark A. McFatridge SVP/CFO: Sherry R. Billings Cash and Due from: .................................. 106,231 Federal Funds and Repos: .................................. 0 Investments: .............................................. 192,549 Net Loans:.............................................. 1,483,806 Premises and Fixed Assets: ........................ 62,187 Other Real Estate: .........................................2,190 Other Assets: ............................................ 139,283 Total Assets: .......................................... 1,986,246 Total Trust Assets: .............................................. 0 Deposits: ................................................ 1,642,248 Federal Funds and Borrowings: ...................90,246 Other Liabilities:.............................................6,940 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 1,739,434 Total Equity Capital: ..................................246,812 Total Liabilities and Capital: .................... 1,986,246 Number of Shares Outstanding: .......................... 0 Directors: W. Dabbs Cavin; K. Aaron Clark; Frank L. Conner; Scott T. Ford; G. Brock Gearhart; John J. Ghirardelli; O. Fitzgerald Hill; Daniel C. Horton; Richard N. Massey; Mark A. McFatridge; Ian Robert Vaughan Branches in Town: None Other Branches: Ashdown, Bentonville, Blue Eye[MO], Branson West[MO], Broken Bow[OK], Conway, Cove, DeQueen, Dierks, Fayetteville, Glenwood, Golden City[MO], Harrison (3), Hollister[MO], Hot Springs (3), Hot Springs Village, Idabel[OK], Jonesboro (4), Lamar[MO], Manila, Kimberling City[MO], Marshfield[MO] (2), Mena (2), Monette, Mount Ida (2), Mountain Home (3), Murfreesboro, Nashville, Nixa[MO], Rogers, Springdale, Springfield[MO] (3), Waldron, Yellville 56 Arkansas State Bank Department Central Bank Little Rock, AR VOICE: (501) 221-6400 FAX: (501) 227-8932 Trust Powers: No 1506 Market Street, Suite C180 Charter Number: 385 72211-1816 Date: August 12, 1912 FDIC Certificate Number: 1756 Home Page: www.centralbankar.com Bank Holding Company None Chm: R. Steve Roberson SVP/CLO: Megan Powell CEO/Pres: Wade Ruckle VP/Cash: Christina McGhee Cash and Due from:...................................... 2,413 Federal Funds and Repos: ........................... 3,880 Investments: ............................................... 37,731 Net Loans: .................................................. 66,659 Premises and Fixed Assets:.......................... 1,316 Other Real Estate: ........................................ 1,861 Other Assets: ................................................ 1,420 Total Assets: ............................................. 115,280 Total Trust Assets: ............................................... 0 Deposits: .................................................... 94,654 Federal Funds and Borrowings: .................... 2,728 Other Liabilities: ............................................... 251 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 97,633 Total Equity Capital: .................................... 17,647 Total Liabilities and Capital: ...................... 115,280 Number of Shares Outstanding: ................ 160,000 Directors: James R. Burks; Steven Collier; David Dowd; David Estes; John Reese; R. Steve Roberson; Wade Ruckle; Bruce Schratz, Jr.; Patricia Weed Branches in Town: One Other Branches: None Eagle Bank & Trust Company Little Rock, AR VOICE: (501) 223-2000 FAX: (501) 223-0373 Trust Powers: Yes 650 S. Shackleford Road, Suite 150 Charter Number: 735 72211 Date: May 7, 1977 FDIC Certificate Number: 3873 Home Page: www.eaglebank.com Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Catherine H. Owen EVP: Laura Bogoslavsky CEO/Pres: Jeff Lynch EVP: Paul Castleberry Cash and Due from:.................................... 10,357 Federal Funds and Repos: ........................... 3,175 Investments: ............................................. 187,432 Net Loans: ................................................ 173,749 Premises and Fixed Assets:.......................... 9,211 Other Real Estate: ........................................... 842 Other Assets: .............................................. 11,118 Total Assets: ............................................. 395,884 Total Trust Assets: ............................................... 0 Deposits: .................................................. 309,156 Federal Funds and Borrowings: .................. 36,637 Other Liabilities: ............................................ 2,614 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 348,407 Total Equity Capital: .................................... 47,477 Total Liabilities and Capital: ...................... 395,884 Number of Shares Outstanding: .................. 17,656 Directors: Andrew H. Hastings; H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Bill G. Lynch; Jeff Lynch; Catherine H. Owen Branches in Town: None Other Branches: Drasco, Fairfield Bay, Gravel Ridge, Greers Ferry, Heber Springs (2), North Little Rock (2), Quitman, Rose Bud, Sherwood, Vilonia One Hundred and Second Report 57 Heartland Bank Little Rock, AR VOICE: (501) 663-3306 FAX: (501) 614-7832 Trust Powers: No 5100 Kavanaugh Boulevard 72207 Charter Number: 791 Date: July 17, 2008 FDIC Certificate Number: 28761 Home Page: www.hbankusa.com Member of Federal Reserve System Bank Holding Company Rock Bancshares, Inc., Little Rock, AR CEO/Pres: Judy Lawton EVP: Phillip Thomas EVP: Mark S. Hoffpauir SVP/Atty: Joe Gregory Cash and Due from: .................................... 20,885 Federal Funds and Repos: ...............................277 Investments: ................................................ 10,925 Net Loans:................................................. 173,244 Premises and Fixed Assets: ........................ 12,145 Other Real Estate: .........................................1,610 Other Assets: ................................................ 8,054 Total Assets: ............................................. 227,140 Total Trust Assets: .............................................. 0 Deposits: ...................................................197,213 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 842 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 198,055 Total Equity Capital: ....................................29,085 Total Liabilities and Capital: .......................227,140 Number of Shares Outstanding: ..................10,000 Directors: Craig Benson; Matt Keil; Judy Lawton Branches in Town: One Other Branches: Bryant, Fordyce, Sheridan The Capital Bank Little Rock, AR VOICE: (501) 228-6000 FAX: (501) 228-6006 Trust Powers: Yes 12224 Chenal Parkway 72211 Charter Number: 771 Date: July 30, 1997 FDIC Certificate Number: 34562 Home Page: www.thecapitalbank.com Member of Federal Reserve System Bank Holding Company Capital Bancshares, Inc., Little Rock, AR CEO/Pres: Kyle E. Patton SVP: Amy Pierce EVP/CFO/COO: Jeanette Nation Cash and Due from: ...................................... 1,117 Federal Funds and Repos: .................................. 0 Investments: ................................................ 80,658 Net Loans:................................................... 51,763 Premises and Fixed Assets: ..........................3,318 Other Real Estate: ............................................329 Other Assets: ................................................ 8,406 Total Assets: ............................................. 145,591 Total Trust Assets: .............................................. 0 Deposits: .....................................................97,613 Federal Funds and Borrowings: ...................31,260 Other Liabilities:............................................... 310 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 129,183 Total Equity Capital: ....................................16,408 Total Liabilities and Capital: .......................145,591 Number of Shares Outstanding: ..................32,013 Directors: Joseph W. Park; Kyle E. Patton; Boyd Rothwell; Warren Stephenson Branches in Town: None Other Branches: None Arkansas State Bank Department 58 First State Bank Lonoke, AR VOICE: (501) 676-3106 FAX: (501) 676-5046 Trust Powers: No Chm: Neil Bennett, Jr. CEO: David R. Estes 101 South Center Street 72086-0320 Charter Number: 670 Date: March 9, 1935 FDIC Certificate Number: 15050 Home Page: www.firststatebk.com Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Pres: J. Bruce Loftin Cash and Due from:.................................... 15,295 Federal Funds and Repos: ........................... 1,030 Investments: ............................................. 103,324 Net Loans: ................................................ 126,257 Premises and Fixed Assets:.......................... 3,263 Other Real Estate: ...................................... 10,690 Other Assets: ................................................ 4,694 Total Assets: ............................................. 264,553 Total Trust Assets: ............................................... 0 Deposits: .................................................. 236,845 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 469 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 237,314 Total Equity Capital: .................................... 27,239 Total Liabilities and Capital: ...................... 264,553 Number of Shares Outstanding: .................. 16,000 Directors: Robert S. Bailey; Alan Barksdale; Neil Bennett, Jr.; David R. Estes; William Fletcher, Jr.; J. Bruce Loftin; J. Walls McCrary; Robert Dale Miller; Daina B. Newcomb; Wade Ruckle; Marvin D. Thaxton, Jr. Branches in Town: One Other Branches: Carlisle, Fayetteville, Gurdon, Heber Springs Farmers Bank and Trust Company Magnolia, AR VOICE: (870) 235-7000 FAX: (870) 235-7077 Trust Powers: Yes 200 East Main Street 71753 Charter Number: 217 Date: September 26, 1906 FDIC Certificate Number: 1291 Home Page: www.myfbtbank.com Member of Federal Reserve System Bank Holding Company Magnolia Banking Corporation, Magnolia, AR Chm/CEO: Bob L. Burns CFO: Drew Chandler Pres: Chris Gosnell CLO: Dave White Cash and Due from:.................................... 29,023 Federal Funds and Repos: .................................. 0 Investments: ............................................. 163,394 Net Loans: ............................................. 1,017,318 Premises and Fixed Assets:........................ 23,198 Other Real Estate: ........................................ 1,657 Other Assets: .............................................. 51,779 Total Assets: .......................................... 1,286,369 Total Trust Assets: .................................... 148,821 Deposits: ............................................... 1,130,246 Federal Funds and Borrowings: .................. 11,648 Other Liabilities: ............................................ 9,390 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,151,284 Total Equity Capital: .................................. 135,085 Total Liabilities and Capital: ................... 1,286,369 Number of Shares Outstanding: ................ 100,000 Directors: John E. Alexander, Jr.; Mike Boyd; Bob L. Burns; Dr. Jason Franks; Chris Gosnell; Steve Keith; Bruce D. Maloch; T. E. Smith Branches in Town: Two Other Branches: Benton, Blevins, Camden (4), Hope (3), Lewisville, Malvern (2), New Boston[TX], Taylor, Texarkana (2), Texarkana[TX] (2) One Hundred and Second Report 59 The Peoples Bank Magnolia, AR VOICE: (870) 234-5777 500 North Jackson Street Charter Number: 313 FAX: (870) 234-3384 71753-0340 Date: June 22, 1910 Trust Powers: Yes FDIC Certificate Number: 12531 Home Page: www.peoplesbankmagnolia.com Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm: S. Clark Fincher EVP/COO: Jill McClinton CEO/Pres: Mary L. Fowler CFO: Jonathan Baird Cash and Due from: .................................... 17,832 Federal Funds and Repos: .................................. 0 Investments: ................................................ 28,318 Net Loans:................................................... 97,922 Premises and Fixed Assets: ..........................2,102 Other Real Estate: ............................................321 Other Assets: ................................................ 6,193 Total Assets: ............................................. 152,688 Total Trust Assets: .............................................. 0 Deposits: .....................................................89,185 Federal Funds and Borrowings: ...................45,242 Other Liabilities:............................................... 512 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 134,939 Total Equity Capital: ....................................17,749 Total Liabilities and Capital: .......................152,688 Number of Shares Outstanding: ..................10,000 Directors: Jonathan Baird; Dorothy J. Fincher; S. Clark Fincher; Mary L. Fowler; Betty Harris; Jill McClinton; J. David Scott; Laura Scott; Jamie Waller Branches in Town: One Other Branches: Waldo First Community Bank of Eastern Arkansas Marion, AR VOICE: (870) 739-7300 FAX: (870) 739-2234 Trust Powers: Yes 205 Block Street 72364 Charter Number: 775 Date: October 8, 1998 FDIC Certificate Number: 34887 Home Page: www.firstcommunitybank.us Member of Federal Reserve System Bank Holding Company FCB Financial Services, Inc., Marion, AR Chm: Michael D. East EVP: Brenda Eldridge CEO/Pres: Donny Underwood Cash and Due from: .................................... 20,488 Federal Funds and Repos: ............................2,425 Investments: ................................................ 10,034 Net Loans:................................................. 110,331 Premises and Fixed Assets: ..........................3,621 Other Real Estate: ............................................570 Other Assets: ................................................ 3,295 Total Assets: ............................................. 150,764 Total Trust Assets: .............................................. 0 Deposits: ...................................................130,199 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................1,141 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 131,340 Total Equity Capital: ....................................19,424 Total Liabilities and Capital: .......................150,764 Number of Shares Outstanding: ..................60,000 Directors: Michael D. East; Frank A. Fogleman; Julian Hardin; Allen B. Helms, Jr.; Mark Pirani; James A. Ross; Samuel H. Stuckey, Jr.; William Bart Turner; Donny Underwood; David S. Wallace; Charles L. Williams, Jr. Branches in Town: None Other Branches: West Memphis 60 Arkansas State Bank Department First Delta Bank Marked Tree, AR VOICE: (870) 358-6000 FAX: (870) 358-6001 Trust Powers: No 214 Hester Parker Drive 72365-0635 Charter Number: 704 Date: October 31, 1951 FDIC Certificate Number: 17047 Home Page: www.firstdeltabank.com Member of Federal Reserve System Bank Holding Company Tyronza Bancshares, Inc., Marked Tree, AR Chm: Herrick F. Norcross, III CEO/Pres: Chris M. Lehman Cash and Due from:...................................... 2,033 Federal Funds and Repos: ........................... 2,200 Investments: ............................................... 28,427 Net Loans: .................................................. 23,817 Premises and Fixed Assets:............................. 456 Other Real Estate: ............................................. 43 Other Assets: ................................................ 1,029 Total Assets: ............................................... 58,005 Total Trust Assets: ............................................... 0 Deposits: .................................................... 48,615 Federal Funds and Borrowings: .................... 2,750 Other Liabilities: ............................................... 344 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 51,709 Total Equity Capital: ...................................... 6,296 Total Liabilities and Capital: ........................ 58,005 Number of Shares Outstanding: .................... 2,000 Directors: Charles A. Banks; Chris M. Lehman; Charles F. Luter; Herrick F. Norcross, III Branches in Town: None Other Branches: Trumann, Tyronza Bank of McCrory McCrory, AR VOICE: (870) 731-2521 FAX: (870) 731-2859 Trust Powers: Yes 124 Edmonds Avenue 72101-0370 Charter Number: 128 Date: June 8, 1903 FDIC Certificate Number: 1523 Home Page: www.bofmc.com Member of Federal Reserve System Bank Holding Company M. D. Thompson & Son Co., McCrory, AR CEO/Pres: Vance M. Thompson, III VP: Danice McGee SVP: E. Jan Thompson VP/Sec: Betty K. Thompson Cash and Due from:...................................... 1,013 Federal Funds and Repos: ........................... 6,825 Investments: ............................................... 40,451 Net Loans: .................................................. 27,588 Premises and Fixed Assets:............................. 519 Other Real Estate: ........................................... 243 Other Assets: ................................................... 805 Total Assets: ............................................... 77,444 Total Trust Assets: ............................................... 0 Deposits: .................................................... 68,814 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 113 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 68,927 Total Equity Capital: ...................................... 8,517 Total Liabilities and Capital: ........................ 77,444 Number of Shares Outstanding: .................. 20,000 Directors: Randy Belflower; Brooke Thompson Cavitt; John D. Eldridge, III; Hamilton Neal Farmer; Fletcher C. Lewis; Alan Morris; Arthur Oliver; E. Jan Thompson; Vance M. Thompson, III Branches in Town: None Other Branches: None One Hundred and Second Report 61 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.fnbmcgehee.com Member of Federal Reserve System Bank Holding Company First National Financial Corporation, McGehee, AR CEO/Pres: Jim R. Daniels SVP/CFO: Wendy Barnes SVP: Fran Childress VP: John Robinson Cash and Due from: ...................................... 3,809 Federal Funds and Repos: .................................50 Investments: ................................................ 23,402 Net Loans:................................................... 21,144 Premises and Fixed Assets: .............................627 Other Real Estate: ............................................662 Other Assets: ...................................................691 Total Assets: ............................................... 50,385 Total Trust Assets: .............................................24 Deposits: .....................................................42,924 Federal Funds and Borrowings: .....................1,000 Other Liabilities:............................................... 163 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................44,087 Total Equity Capital: ......................................6,298 Total Liabilities and Capital: .........................50,385 Number of Shares Outstanding: ..................68,000 Directors: Jim R. Daniels; Gibbs B. Ferguson; D. Emmett Johnson; Robert E. Lucky, Sr.; Robert S. Moore, Jr.; Charles A. Pambianchi Branches in Town: One Other Branches: None McGehee Bank McGehee, AR VOICE: (870) 222-3151 FAX: (870) 222-6159 Trust Powers: Yes 301 North Second Street 71654 Charter Number: 661 Date: December 5, 1933 FDIC Certificate Number: 11242 Home Page: www.mcgeheebank.com Bank Holding Company Southeast Financial Bankstock Corporation, McGehee, AR Chm: William W. Bowman VChm: John H. Potter, Jr. CEO/Pres/TO: James M. Smith SVP: Clarissa Herren Cash and Due from: ...................................... 5,004 Federal Funds and Repos: .................................. 0 Investments: ................................................ 19,587 Net Loans:................................................. 105,991 Premises and Fixed Assets: .............................504 Other Real Estate: ............................................... 0 Other Assets: ................................................ 3,526 Total Assets: ............................................. 134,612 Total Trust Assets: ...................................... 95,368 Deposits: .....................................................89,803 Federal Funds and Borrowings: ...................27,000 Other Liabilities:............................................... 260 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 117,063 Total Equity Capital: ....................................17,549 Total Liabilities and Capital: .......................134,612 Number of Shares Outstanding: ..................80,000 Directors: Lee Bowman; William W. Bowman; David S. Leech; Jeff Owyoung; John H. Potter, Jr.; James M. Smith Branches in Town: One Other Branches: Arkansas City, Tillar, Watson Arkansas State Bank Department 62 The Union Bank of Mena Mena, AR VOICE: (479) 394-2211 FAX: (479) 394-8901 Trust Powers: No 303 Highway 71 North 71953-0898 Charter Number: 667 Date: July 25, 1934 FDIC Certificate Number: 14597 Home Page: www.unionbankofmena.com Member of Federal Reserve System Bank Holding Company Union Bankshares, Inc., Mena, AR Chm: David Maddox EVP/CFO: Michael D. Myers CEO/Pres: Philip B. Hensley SVP: Kevin Williams Cash and Due from:.................................... 31,134 Federal Funds and Repos: .............................. 175 Investments: ............................................... 27,757 Net Loans: ................................................ 161,620 Premises and Fixed Assets:.......................... 3,786 Other Real Estate: ............................................. 48 Other Assets: ................................................ 4,047 Total Assets: ............................................. 228,567 Total Trust Assets: ............................................... 0 Deposits: .................................................. 201,413 Federal Funds and Borrowings: ....................... 357 Other Liabilities: ............................................ 2,731 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 204,501 Total Equity Capital: .................................... 24,066 Total Liabilities and Capital: ...................... 228,567 Number of Shares Outstanding: .................. 12,000 Directors: J. Richard Carver; John A. Crawford; Philip B. Hensley; David Maddox; John Maddox; Jeff Montgomery; Pauline Morrow; Michael Myers; P. T. Plunkett; Edward W. Stevenson; Phillip Stevenson 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: Bennie Ryburn, Jr. Pres/CFO/COO: George T. Harris VChm: Bennie Ryburn, III SVP/TO: Rusty Smith Cash and Due from:...................................... 6,625 Federal Funds and Repos: .................................. 0 Investments: ............................................... 70,873 Net Loans: ................................................ 104,951 Premises and Fixed Assets:.......................... 1,558 Other Real Estate: ........................................... 574 Other Assets: ................................................ 5,408 Total Assets: ............................................. 189,989 Total Trust Assets: ...................................... 13,808 Deposits: .................................................. 169,572 Federal Funds and Borrowings: ....................... 100 Other Liabilities: ............................................... 410 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 170,082 Total Equity Capital: .................................... 19,907 Total Liabilities and Capital: ...................... 189,989 Number of Shares Outstanding: .................... 8,000 Directors: Joe Brannen; C. C. Gibson, III; George T. Harris; R. D. Jones, Jr.; Wayne L. Owen, Jr.; Bennie Ryburn, Jr.; Bennie Ryburn, III; Ray Ryburn; Mike Ward Branches in Town: Four Other Branches: None One Hundred and Second Report 63 Union Bank And Trust Company Monticello, AR VOICE: (870) 460-6400 FAX: (870) 460-6464 Trust Powers: Yes 102 West McCloy Street 71657-0270 Charter Number: 448 Date: September 15, 1915 FDIC Certificate Number: 1753 Home Page: www.unionbnk.com Bank Holding Company First Union Financial Corporation, Monticello, AR Chm Emer: Zach McClendon, Jr. CEO/Pres: Dave Dickson Chm: John S. McClendon TO: Gail Hooker Cash and Due from: .................................... 14,579 Federal Funds and Repos: ...............................700 Investments: ................................................ 37,895 Net Loans:................................................. 143,440 Premises and Fixed Assets: ..........................4,431 Other Real Estate: .........................................1,704 Other Assets: ................................................ 7,256 Total Assets: ............................................. 210,005 Total Trust Assets: ...................................... 42,634 Deposits: ...................................................173,316 Federal Funds and Borrowings: ...................16,303 Other Liabilities:.............................................1,361 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 190,980 Total Equity Capital: ....................................19,025 Total Liabilities and Capital: .......................210,005 Number of Shares Outstanding: ..................80,000 Directors: Mike Akin; Whit Barton; Ted Carmical; Charles F. Dearman, Jr.; Dave Dickson; Tommy V. Maxwell; John S. McClendon; Robin McClendon; Zach McClendon, Jr. Branches in Town: Two Other Branches: Warren 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: .................................... 32,640 Federal Funds and Repos: .................................75 Investments: ................................................ 62,361 Net Loans:................................................... 82,209 Premises and Fixed Assets: ..........................2,496 Other Real Estate: ............................................161 Other Assets: ................................................ 5,172 Total Assets: ............................................. 185,114 Total Trust Assets: .............................................. 0 Deposits: ...................................................156,413 Federal Funds and Borrowings: .....................5,480 Other Liabilities:.............................................1,172 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 163,065 Total Equity Capital: ....................................22,049 Total Liabilities and Capital: .......................185,114 Number of Shares Outstanding: ..................50,000 Directors: Hall M. Calhoun, III; Katherine Foust; Todd Haynes; Michael D. Koone; Otto Lienhart, II; John Maus, III; Charles Ormond; Charles S. Penick; Larry Wayne Smith; Stanton C. Willis Branches in Town: One Other Branches: None 64 Arkansas State Bank Department Stone Bank Mountain View, AR VOICE: (870) 269-7311 FAX: (870) 269-7312 Trust Powers: No 802 East Main Street 72560 Charter Number: 797 Date: August 4, 2015 FDIC Certificate Number: 17431 Home Page: www.stonebank.com Bank Holding Company Stone Bancshares, Inc., Mountain View, AR CEO: Marnie B. Oldner SVP: Ashley Roach Pres/CLO: Nick Roach SVP: Lisa Sullivan Cash and Due from:...................................... 1,153 Federal Funds and Repos: ......................... 13,284 Investments: ................................................. 7,087 Net Loans: .................................................. 92,192 Premises and Fixed Assets:.......................... 4,566 Other Real Estate: ........................................... 618 Other Assets: ................................................ 7,890 Total Assets: ............................................. 126,790 Total Trust Assets: ............................................... 0 Deposits: .................................................... 93,307 Federal Funds and Borrowings: .................. 16,116 Other Liabilities: ............................................... 885 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 110,308 Total Equity Capital: .................................... 16,482 Total Liabilities and Capital: ...................... 126,790 Number of Shares Outstanding: ............. 1,338,370 Directors: Buddy Bolin; J. T. Compton; Kevin Compton; David Dunlap; Roger Helms; Marnie B. Oldner; Nick Roach; Ron Sims; Gladys Raney Webb; Fred Williams Branches in Town: None Other Branches: Little Rock, White Hall Allied Bank Mulberry, AR VOICE: (479) 997-1154 FAX: (479) 997-1161 Trust Powers: No 311 Main Street 72947-0480 Charter Number: 81 Date: January 15, 1902 FDIC Certificate Number: 91 Home Page: www.justbankit.com Member of Federal Reserve System Bank Holding Company Acme Holding Company, Inc., Mulberry, AR CEO/Pres: Alex Golden SVP: Randy Ford SVP: Mary Burkhart SVP/Cash: Dianna J. Millsap Cash and Due from:...................................... 8,530 Federal Funds and Repos: .............................. 125 Investments: ................................................. 5,558 Net Loans: .................................................. 39,317 Premises and Fixed Assets:.......................... 2,623 Other Real Estate: ........................................ 9,102 Other Assets: ................................................ 1,081 Total Assets: ............................................... 66,336 Total Trust Assets: ............................................... 0 Deposits: .................................................... 64,713 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 302 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 65,015 Total Equity Capital: ...................................... 1,321 Total Liabilities and Capital: ........................ 66,336 Number of Shares Outstanding: .................... 4,000 Directors: Betty Feller; Tom Gibbons; Alex Golden; Randall L. Hollis, Sr.; Royce D. Jones; L. Jan Nordin Branches in Town: One Other Branches: Alma, Little Rock, Mansfield, Ozark One Hundred and Second Report 65 Diamond Bank Murfreesboro, AR VOICE: (870) 285-2172 FAX: (870) 356-2858 Trust Powers: No 319 East Main Street 71958 Charter Number: 175 Date: December 19, 1904 FDIC Certificate Number: 1527 Home Page: www.diamondbanking.com Member of Federal Reserve System Bank Holding Company Bainum Bancorp, Glenwood, AR Chm/CEO: Tim Bainum EVP: Johnny Gibbs Pres: Ken "Mac" McClanahan Cash and Due from: .................................... 24,361 Federal Funds and Repos: .................................. 0 Investments: .............................................. 122,517 Net Loans:................................................. 326,234 Premises and Fixed Assets: ..........................8,568 Other Real Estate: ............................................696 Other Assets: .............................................. 14,261 Total Assets: ............................................. 496,637 Total Trust Assets: .............................................. 0 Deposits: ...................................................423,383 Federal Funds and Borrowings: ...................16,213 Other Liabilities:.............................................2,335 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 441,931 Total Equity Capital: ....................................54,706 Total Liabilities and Capital: .......................496,637 Number of Shares Outstanding: ................172,000 Directors: Tim Bainum; Timothy “Tab” Bainum; Robert Braun; Tim Brotherton; Richard Cox; Robert Evans; John E. Gibbs; John Hearnsberger; Shauna L. Lucas; Virgilio Martinez; Ken "Mac" McClanahan; Larry Mitchell; Mike Moore; George E. Steel, Jr. Branches in Town: None Other Branches: DeQueen, Dierks, Glenwood, Hope, Hot Springs (2), Mena, Mineral Springs, Mount Ida, Nashville (2), Russellville Merchants & Planters Bank Newport, AR VOICE: (870) 523-3601 FAX: (870) 523-3473 Trust Powers: Yes 120 Hazel Street 72112-0650 Charter Number: 694 Date: March 20, 1946 FDIC Certificate Number: 16464 Home Page: www.mandpbank.com Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/TO: Jim S. Gowen, Sr. EVP/Cash: Patricia Davis CEO/Pres: Jim S. Gowen, Jr. SVP/CLO: Randy Cross Cash and Due from: ...................................... 8,979 Federal Funds and Repos: .................................. 0 Investments: ................................................ 62,839 Net Loans:................................................. 159,749 Premises and Fixed Assets: ..........................7,012 Other Real Estate: ............................................251 Other Assets: ................................................ 9,831 Total Assets: ............................................. 248,661 Total Trust Assets: ...................................... 71,492 Deposits: ...................................................207,496 Federal Funds and Borrowings: ...................14,332 Other Liabilities:.............................................2,478 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 224,306 Total Equity Capital: ....................................24,355 Total Liabilities and Capital: .......................248,661 Number of Shares Outstanding: ....................9,000 Directors: R. M. Bledsoe; Terry L. Dillon; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Mary K. Hardin-Stewart; Benjy Harris; Dr. Larry Williams Branches in Town: One Other Branches: Batesville (2), Des Arc, McCrory, Newark, Swifton, Tuckerman 66 Arkansas State Bank Department Piggott State Bank Piggott, AR VOICE: (870) 598-3802 FAX: (870) 598-2026 Trust Powers: No 212 West Cherry Street 72454-0307 Charter Number: 613 Date: March 10, 1930 FDIC Certificate Number: 5628 Home Page: www.piggottstatebank.com Member of Federal Reserve System Bank Holding Company Piggott Bankstock, Inc., Piggott, AR CEO/Pres: Cody Knight VP/Cash: Wanda Winberry VP: Joyce Benson Cash and Due from:...................................... 6,519 Federal Funds and Repos: .................................. 0 Investments: ............................................... 42,527 Net Loans: .................................................. 31,875 Premises and Fixed Assets:............................. 571 Other Real Estate: ............................................... 5 Other Assets: ................................................... 598 Total Assets: ............................................... 82,095 Total Trust Assets: ............................................... 0 Deposits: .................................................... 72,911 Federal Funds and Borrowings: ....................... 438 Other Liabilities: ............................................... 124 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 73,473 Total Equity Capital: ...................................... 8,622 Total Liabilities and Capital: ........................ 82,095 Number of Shares Outstanding: .................... 4,000 Directors: Steve Bell; Paula O. Blackwell; Cody Knight; James C. Poole Branches in Town: One Other Branches: None One Hundred and Second Report 67 Simmons Bank Pine Bluff, AR VOICE: (870) 541-1000 FAX: (870) 850-2685 Trust Powers: Yes 501 Main Street 71601-4327 Charter Number: 799 Date: March 31, 2016 FDIC Certificate Number: 3890 Home Page: www.simmonsfirst.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO/Pres: Marty D. Casteel CCO: Steve Wade CBO: Barry Ledbetter TO: Joe Clement Cash and Due from: .................................. 250,043 Federal Funds and Repos: ............................3,000 Investments: ........................................... 1,408,048 Net Loans:.............................................. 5,009,277 Premises and Fixed Assets: ...................... 181,530 Other Real Estate: ....................................... 30,529 Other Assets: ............................................ 631,222 Total Assets: .......................................... 7,513,649 Total Trust Assets: ................................. 4,127,037 Deposits: ................................................ 6,137,187 Federal Funds and Borrowings: .................244,729 Other Liabilities:...........................................67,125 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 6,449,041 Total Equity Capital: ............................... 1,064,608 Total Liabilities and Capital: .................... 7,513,649 Number of Shares Outstanding: ..................35,000 Directors: Jay D. Burchfield; Marty D. Casteel; Dean Chambliss; William E. Clark, II; Steven A. Cosse'; Mark C. Doramus; Eddie Drilling; Eugene Hunt; Met L. Jones, II; Christopher R. Kirkland; John Lytle; W. Scott McGeorge; Johnny McGraw; Beverly Morrow; George R. O'Conner; Joseph D. Porter; Mary Pringos; H. Glenn Rambin; Adam B. Robinson, Jr.; Jane W. Rogers; Robert L. Shoptaw; H. Ford Trotter, III Branches in Town: Seven Other Branches: Atoka[TN], Beebe, Benton, Bentonville, Branson[MO], Branson West[MO], Brownsville[TN], Bryant, Cabot, Carthage[MO], Charleston, Clarksville, Clinton, Collierville[TN], Columbia[TN], Conway (4), Crane[MO], Dermott, Dresden[TN] (2), Dumas, Dyersburg[TN] (2), El Dorado (2), El Dorado Springs[MO], Fayetteville (2), Fort Smith (4), Franklin[TN] (2), Galena[MO], Gallatin[TN], Goodlettsville[TN], Greenfield[MO], Greenfield[TN], Hamburg, Hendersonville[TN] (2), Hensley, Hot Springs (4), Humboldt[TN], Jackson[TN] (2), Jonesboro (3), Joplin[MO] (2), Kenton[TN], Knoxville[TN], Lake Village, Lee’s Summit[MO], Lexington[TN], Lincoln, Little Rock (15), Lockwood[MO], Mammoth Spring, Marshall, Marshfield[MO], Martin[TN], Maryville[TN], Maumelle, Memphis[TN], Monticello, Mt. Vernon[MO], Mountain View, Nashville[TN], Nixa[MO], North Little Rock (3), Olathe[KS], Ozark, Ozark[MO], Paragould, Parkdale, Reeds Spring[MO] (2), Rogers (2), Russellville (3), Searcy (2), Sedalia[MO], Sharon[TN], Siloam Springs, South Fulton[TN], Springdale (2), Springfield[MO] (6), St. Louis[MO] (3), Star City, Stockton[MO], Strong, Troy[TN], Union City[TN], Weiner, White Hall, White House[TN], Wichita[KS] (2) Arkansas State Bank Department 68 RiverBank Pocahontas, AR VOICE: (870) 892-2265 FAX: (870) 892-2264 Trust Powers: Yes CEO/Pres: Kyle Baltz COO: Joyce Radcliff 1700 Old County Road 72455-0397 Charter Number: 796 Date: January 15, 2015 FDIC Certificate Number: 31711 Home Page: www.eriverbank.com Bank Holding Company None Cont: Julie Williams TO: Mark Holt Cash and Due from:...................................... 1,136 Federal Funds and Repos: ................................ 50 Investments: ................................................. 2,144 Net Loans: .................................................. 62,322 Premises and Fixed Assets:.......................... 1,415 Other Real Estate: ............................................. 94 Other Assets: ................................................ 3,182 Total Assets: ............................................... 70,343 Total Trust Assets: ............................................... 0 Deposits: .................................................... 59,135 Federal Funds and Borrowings: .................... 3,784 Other Liabilities: ............................................... 194 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 63,113 Total Equity Capital: ...................................... 7,230 Total Liabilities and Capital: ........................ 70,343 Number of Shares Outstanding: .................. 11,255 Directors: Jeremy Baltz; Kyle Baltz; Gary Cochran; Terry Davis; James Edington; Joyce Radcliff; Chad Watson Branches in Town: None Other Branches: Corning Home Bank of Arkansas Portland, AR VOICE: (870) 737-2236 FAX: (870) 737-2816 Trust Powers: No Pres: Bill Hannah VP: Treva Branscum 113 Highway 165 South 71663-0178 Charter Number: 251 Date: January 22, 1908 FDIC Certificate Number: 5629 Home Page: www.homebankofar.com Bank Holding Company Peoples Home Holding, Inc., Greenbrier, AR VP: Terry Milam Cash and Due from:...................................... 1,260 Federal Funds and Repos: ........................... 3,400 Investments: ................................................. 7,870 Net Loans: .................................................. 54,232 Premises and Fixed Assets:.......................... 1,754 Other Real Estate: ........................................ 2,633 Other Assets: ................................................ 1,004 Total Assets: ............................................... 72,153 Total Trust Assets: ............................................... 0 Deposits: .................................................... 63,862 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 151 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 64,013 Total Equity Capital: ...................................... 8,140 Total Liabilities and Capital: ........................ 72,153 Number of Shares Outstanding: .................... 4,000 Directors: Joe Benton, III; Jerold Brock; Bill Hannah; Terry Milam; Roy Montgomery Branches in Town: None Other Branches: Damascus, Greenbrier, Little Rock, Marshall One Hundred and Second Report 69 Bank of Prescott Prescott, AR VOICE: (870) 887-2688 FAX: (870) 887-6822 Trust Powers: Yes East Second Street at Main Street Charter Number: 162 71857-0490 Date: August 10, 1904 FDIC Certificate Number: 101 Home Page: www.bankofprescott.com Bank Holding Company Prescott Bancshares, Inc., Prescott, AR Chm/CEO/Pres: John Warren Brannan, Jr. Treas/Sec: Karen McLelland EVP: Gary McCauley Cash and Due from: ...................................... 2,112 Federal Funds and Repos: .................................. 0 Investments: ................................................ 34,327 Net Loans:................................................... 43,027 Premises and Fixed Assets: .............................356 Other Real Estate: ..............................................20 Other Assets: ................................................ 2,059 Total Assets: ............................................... 81,901 Total Trust Assets: .............................................. 0 Deposits: .....................................................67,041 Federal Funds and Borrowings: .....................3,489 Other Liabilities:................................................. 57 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................70,587 Total Equity Capital: ....................................11,314 Total Liabilities and Capital: .........................81,901 Number of Shares Outstanding: ..................24,000 Directors: John Warren Brannan, Jr.; W. Herman Brown; Brad Crain; Carl Dalrymple, Jr.; Jason Gutierrez; Billy Hines; Gary McCauley; Larry Rhodes; Robert Smith Branches in Town: None Other Branches: None Gateway Bank Rison, AR VOICE: (870) 325-6251 FAX: (870) 325-7661 Trust Powers: No Chm: Lewis R. Gardner Pres/Sec: Troy Duke 112 Main Street 71665 Charter Number: 650 Date: March 7, 1932 FDIC Certificate Number: 8730 Home Page: www.gatewaybank.bank Bank Holding Company Sigma Holdings, Inc., Rison, AR VP: Amber Offutt Cash and Due from: ...................................... 6,783 Federal Funds and Repos: ............................1,750 Investments: ..................................................5,050 Net Loans:................................................... 38,332 Premises and Fixed Assets: ..........................1,934 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,485 Total Assets: ............................................... 55,334 Total Trust Assets: .............................................. 0 Deposits: .....................................................49,741 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 83 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................49,824 Total Equity Capital: ......................................5,510 Total Liabilities and Capital: .........................55,334 Number of Shares Outstanding: ....................4,000 Directors: Troy D. Duke; Lewis R. Gardner; Ryan Holder; James W. Searcy Branches in Town: None Other Branches: Malvern 70 Arkansas State Bank Department Pinnacle Bank Rogers, AR VOICE: (479) 619-2000 FAX: (479) 619-2701 Trust Powers: No 4201 W. New Hope Road, Suite 101 Charter Number: 145 72758 Date: October 31, 1903 FDIC Certificate Number: 11256 Home Page: www.pinnaclebk.com Bank Holding Company Pinnacle Bancshares, Inc., Rogers, AR Chm/CEO: Wade Ruckle Pres: David Bordovsky Cash and Due from:...................................... 3,344 Federal Funds and Repos: ........................... 1,259 Investments: ............................................... 30,057 Net Loans: .................................................. 40,020 Premises and Fixed Assets:............................. 142 Other Real Estate: ...................................... 13,181 Other Assets: ................................................ 1,461 Total Assets: ............................................... 89,464 Total Trust Assets: ............................................... 0 Deposits: .................................................... 71,653 Federal Funds and Borrowings: .................... 4,950 Other Liabilities: ............................................... 458 Subordinated Debt: ....................................... 2,000 Total Liabilities: ........................................... 79,061 Total Equity Capital: .................................... 10,403 Total Liabilities and Capital: ........................ 89,464 Number of Shares Outstanding: ................ 225,264 Directors: David Estes; Guy Fisher; Thomas Garrison; Clarence Guinn; Bruce Loftin; Wade Ruckle; Alan L. Sharp; Ralph Vernetti Branches in Town: None Other Branches: None First State Bank Russellville, AR VOICE: (479) 498-2400 FAX: (479) 498-2465 Trust Powers: No 3103 East Main 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: Charles Blanchard EVP/CLO: Barton Allen Pres/COO: Chip Blanchard EVP/Sec: Toni B. Laws Cash and Due from:.................................... 13,344 Federal Funds and Repos: .............................. 175 Investments: ............................................... 30,490 Net Loans: ................................................ 170,508 Premises and Fixed Assets:.......................... 6,125 Other Real Estate: ............................................. 30 Other Assets: ................................................ 9,869 Total Assets: ............................................. 230,541 Total Trust Assets: ............................................... 0 Deposits: .................................................. 195,120 Federal Funds and Borrowings: .................... 8,833 Other Liabilities: ............................................... 654 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 204,607 Total Equity Capital: .................................... 25,934 Total Liabilities and Capital: ...................... 230,541 Number of Shares Outstanding: .................. 20,000 Directors: Patty Barker; James C. Biggers; Charles Blanchard; Charles B. "Chip" Blanchard; Terry Freeman; Max L. Mathis, III; Mike Miller; Johnny K. Morgan; C. Tim White; Phil Wright Branches in Town: Three Other Branches: Ola One Hundred and Second Report 71 Bank of Salem Salem, AR VOICE: (870) 895-2591 FAX: (870) 895-3825 Trust Powers: No 207 West Church Street 72576-0338 Charter Number: 266 Date: December 9, 1908 FDIC Certificate Number: 11243 Home Page: www.bksalem.net Member of Federal Reserve System Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm/CEO/Pres: Mark Montgomery SVP: Mike Falco Cash and Due from: ...................................... 9,666 Federal Funds and Repos: ............................4,670 Investments: ..................................................3,254 Net Loans:................................................. 103,203 Premises and Fixed Assets: ..........................1,686 Other Real Estate: ............................................271 Other Assets: ................................................ 7,792 Total Assets: ............................................. 130,542 Total Trust Assets: .............................................. 0 Deposits: ...................................................113,421 Federal Funds and Borrowings: .....................2,522 Other Liabilities:............................................... 513 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 116,456 Total Equity Capital: ....................................14,086 Total Liabilities and Capital: .......................130,542 Number of Shares Outstanding: ..................20,000 Directors: D. Karrol Fowlkes; Mark Montgomery; C. Dwayne Plumlee; Jim Short; Guy R. "Buck" Smith; John Ed Welch Branches in Town: None Other Branches: Mammoth Spring, Viola Logan County Bank Scranton, AR VOICE: (479) 938-2511 FAX: (479) 938-7084 Trust Powers: No 600 Main Street 72863-0085 Charter Number: 578 Date: April 7, 1926 FDIC Certificate Number: 5632 Home Page: www.logancountybank.net Bank Holding Company None CEO/Pres: Gary Fritsche VP: Adam Fritsche SVP: Jerry L. Davis Cash: Don Fritsche Cash and Due from: .........................................976 Federal Funds and Repos: ............................2,475 Investments: ................................................ 49,155 Net Loans:................................................... 28,481 Premises and Fixed Assets: .............................378 Other Real Estate: ..............................................31 Other Assets: ...................................................744 Total Assets: ............................................... 82,240 Total Trust Assets: .............................................. 0 Deposits: .....................................................66,824 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 71 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................66,895 Total Equity Capital: ....................................15,345 Total Liabilities and Capital: .........................82,240 Number of Shares Outstanding: ....................4,000 Directors: Eddie Ahne; Don Fritsche; Gary Fritsche; Ronnie Layes Branches in Town: None Other Branches: Subiaco 72 Arkansas State Bank Department First Security Bank Searcy, AR VOICE: (501) 279-3400 FAX: (501) 279-3486 Trust Powers: Yes 314 North Spring Street 72145-1009 Charter Number: 649 Date: February 6, 1932 FDIC Certificate Number: 5633 Home Page: www.fsbank.com Bank Holding Company First Security Bancorp, Searcy, AR Chm/CEO: Reynie Rutledge EVP: J. Mark Ferguson Pres: Michael C. Hutsell TO: Frank Faust Cash and Due from:.................................. 213,218 Federal Funds and Repos: ......................... 84,875 Investments: .......................................... 2,579,333 Net Loans: ............................................. 2,052,242 Premises and Fixed Assets:...................... 108,633 Other Real Estate: ........................................ 7,684 Other Assets: .............................................. 78,023 Total Assets: .......................................... 5,124,008 Total Trust Assets: ................................. 1,085,017 Deposits: ............................................... 3,616,454 Federal Funds and Borrowings: ................ 641,505 Other Liabilities: .......................................... 16,895 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 4,274,854 Total Equity Capital: .................................. 849,154 Total Liabilities and Capital: ................... 5,124,008 Number of Shares Outstanding: .................. 24,000 Directors: Dr. David Burks; J. Mark Ferguson; Michael C. Hutsell; Steve Lightle; John McKnight; Wayne Ridout; Dr. Porter R. Rodgers, Jr.; Reynie Rutledge; William Scholl; Jim Tarkington; James G. Wilson Branches in Town: Three Other Branches: Beebe (3), Benton (3), Bentonville (2), Bryant (3), Bull Shoals, Cabot (3), Clarksville (4), Clinton, Coal Hill, Conway (5), Farmington, Fayetteville (5), Gassville, Greenbrier, Griffithville, Heber Springs (2), Hot Springs, Jonesboro (3), Judsonia, Little Rock (8), Lowell, Maumelle, Mayflower, McRae, Mountain Home (4), Mountain View, North Little Rock (3), Pangburn, Rogers (3), Springdale (5), Vilonia One Hundred and Second Report 73 Peoples Bank Sheridan, AR VOICE: (870) 942-5707 FAX: (870) 942-2489 Trust Powers: No 1120 South Rock Street 72150 Charter Number: 786 Date: September 11, 2000 FDIC Certificate Number: 57058 Home Page: www.peoplesbankar.com Member of Federal Reserve System Bank Holding Company Peoples Bancorp, Inc., Sheridan, AR CEO/Pres: John D. Manatt SVP: G. Jannette Jones EVP: Craig L. Manatt Cash and Due from: .................................... 14,328 Federal Funds and Repos: ...............................175 Investments: ................................................ 49,131 Net Loans:................................................... 67,959 Premises and Fixed Assets: ..........................2,387 Other Real Estate: ............................................... 0 Other Assets: ................................................ 3,655 Total Assets: ............................................. 137,635 Total Trust Assets: .............................................. 0 Deposits: ...................................................117,932 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 346 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 118,278 Total Equity Capital: ....................................19,357 Total Liabilities and Capital: .......................137,635 Number of Shares Outstanding: ..................56,562 Directors: Dannie L. Brown; Donald L. Hedden; Gary D. Hines; Bobby G. Jeffrey; James W. Lancaster; Craig L. Manatt; John D. Manatt; Mary Mel Nixon; Shelby L. Taylor; Alvin L. Upton; David L. Wells; W. A. Winston Branches in Town: None Other Branches: Little Rock Smackover State Bank Smackover, AR VOICE: (870) 725-3051 FAX: (870) 725-3049 Trust Powers: Yes 708 North Broadway Street 71762-0107 Charter Number: 600 Date: April 18, 1928 FDIC Certificate Number: 5623 Home Page: www.smackoverbank.com Bank Holding Company Smackover Bancshares, Inc., Smackover, AR Chm/CEO: Bob Willett SVP: J. Drew Tennyson Pres: James B. Yeager Cash and Due from: .................................... 11,385 Federal Funds and Repos: .......................... 13,350 Investments: ................................................ 98,475 Net Loans:................................................... 58,704 Premises and Fixed Assets: ..........................2,180 Other Real Estate: ............................................255 Other Assets: ...................................................920 Total Assets: ............................................. 185,269 Total Trust Assets: .............................................. 0 Deposits: ...................................................161,568 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 486 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 162,054 Total Equity Capital: ....................................23,215 Total Liabilities and Capital: .......................185,269 Number of Shares Outstanding: ................100,000 Directors: Dr. Richard Davis; Gary deYampert; Frances E. Tennyson; J. Drew Tennyson; Bob Willett; James B. Yeager Branches in Town: None Other Branches: El Dorado (2), Norphlet 74 Arkansas State Bank Department Riverside Bank Sparkman, AR VOICE: (870) 678-2251 FAX: (870) 678-2401 Trust Powers: No Commerce & Main Streets 71763-0127 Charter Number: 457 Date: September 19, 1916 FDIC Certificate Number: 93 Home Page: www.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:......................................... 983 Federal Funds and Repos: .............................. 675 Investments: ................................................. 1,025 Net Loans: .................................................. 54,849 Premises and Fixed Assets:.......................... 2,585 Other Real Estate: ........................................... 170 Other Assets: ................................................ 1,656 Total Assets: ............................................... 61,943 Total Trust Assets: ............................................... 0 Deposits: .................................................... 51,420 Federal Funds and Borrowings: .................... 5,000 Other Liabilities: ................................................. 86 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 56,506 Total Equity Capital: ...................................... 5,437 Total Liabilities and Capital: ........................ 61,943 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 2790 South Thompson Street Charter Number: 794 72764-6354 Date: June 11, 2014 FDIC Certificate Number: 32025 Home Page: www.united-bk.com Member of Federal Reserve System Bank Holding Company United Holding Company, Inc., Springdale, AR CEO/Pres: Nathan Gairhan SVP/CLO: Luke Colley SVP/CFO: Paige Mulhollan Cash and Due from:.................................... 11,221 Federal Funds and Repos: .............................. 600 Investments: ................................................. 8,681 Net Loans: ................................................ 135,965 Premises and Fixed Assets:.......................... 6,997 Other Real Estate: ........................................... 457 Other Assets: ................................................ 2,123 Total Assets: ............................................. 166,044 Total Trust Assets: ............................................... 0 Deposits: .................................................. 122,594 Federal Funds and Borrowings: .................. 19,769 Other Liabilities: ............................................... 876 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 143,239 Total Equity Capital: .................................... 22,805 Total Liabilities and Capital: ...................... 166,044 Number of Shares Outstanding: ................ 100,000 Directors: Richard Barclay; John Ervin; Nathan Gairhan; Michele Harrington; Darrin G. Pitts; Donald R. Pitts; John Scott; Craig Young Branches in Town: One Other Branches: Fayetteville, Rogers One Hundred and Second Report 75 Bodcaw Bank Stamps, AR VOICE: (870) 533-4486 FAX: (870) 533-4456 Trust Powers: No Chm: J. Paul Nipper Pres/Sec: Scott Hultberg 307 Thomas Street 71860-0008 Charter Number: 106 Date: December 8, 1902 FDIC Certificate Number: 5624 Home Page: www.bodcawbank.com Bank Holding Company Bodcaw Bancshares, Inc., Stamps, AR Cash: Michelle Downs Cash and Due from: ...................................... 6,898 Federal Funds and Repos: ............................6,000 Investments: ................................................ 43,044 Net Loans:................................................... 23,205 Premises and Fixed Assets: ...............................55 Other Real Estate: ..............................................80 Other Assets: ...................................................482 Total Assets: ............................................... 79,764 Total Trust Assets: .............................................. 0 Deposits: .....................................................70,000 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 390 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................70,390 Total Equity Capital: ......................................9,374 Total Liabilities and Capital: .........................79,764 Number of Shares Outstanding: ..................10,000 Directors: Charles L. Cabe, Jr.; D. Copie Dickson; Scott Hultberg; Billie Nipper; J. Paul Nipper; Danny K. Smith; John W. Smith, Jr. Branches in Town: None Other Branches: None Bank of Star City Star City, AR VOICE: (870) 628-4286 FAX: (870) 628-5274 Trust Powers: No 116 North Lincoln Avenue 71667-0069 Charter Number: 567 Date: April 27, 1925 FDIC Certificate Number: 5634 Home Page: www.bankofstarcity.com Member of Federal Reserve System Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Bennie F. Ryburn, Jr. Pres: R. Mark Owen Cash and Due from: ...................................... 2,361 Federal Funds and Repos: .................................. 0 Investments: ................................................ 20,145 Net Loans:................................................... 62,455 Premises and Fixed Assets: ..........................3,214 Other Real Estate: ..............................................28 Other Assets: ................................................ 1,175 Total Assets: ............................................... 89,378 Total Trust Assets: .............................................. 0 Deposits: .....................................................71,320 Federal Funds and Borrowings: .....................3,887 Other Liabilities:............................................... 195 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................75,402 Total Equity Capital: ....................................13,976 Total Liabilities and Capital: .........................89,378 Number of Shares Outstanding: ..................15,000 Directors: Keith D. Griffin; R. Mark Owen; Bennie F. Ryburn, Jr.; Marion Ryburn; Kevin White; Barry Wood Branches in Town: None Other Branches: Dumas, Pine Bluff (2), White Hall Arkansas State Bank Department 76 Security Bank Stephens, AR VOICE: (870) 786-5416 FAX: (870) 786-5419 Trust Powers: No 105 Ruby Street 71764-0007 Charter Number: 692 Date: February 8, 1946 FDIC Certificate Number: 16395 Home Page: www.secbnk.com Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm: Carol Reaves EVP: Duncan Grayson CEO/Pres: Guy R. "Buck" Smith EVP/CFO/COO: Cheryl Brown Cash and Due from:...................................... 3,957 Federal Funds and Repos: .............................. 150 Investments: ................................................. 3,831 Net Loans: .................................................. 50,354 Premises and Fixed Assets:.......................... 1,677 Other Real Estate: ............................................. 40 Other Assets: ................................................ 2,366 Total Assets: ............................................... 62,375 Total Trust Assets: ............................................... 0 Deposits: .................................................... 55,799 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 1,229 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 57,028 Total Equity Capital: ...................................... 5,347 Total Liabilities and Capital: ........................ 62,375 Number of Shares Outstanding: .................. 11,000 Directors: Duncan Grayson; Carol Reaves; Buck Smith; Jay C. Wilson Branches in Town: None Other Branches: None The Farmers and Merchants Bank Stuttgart, AR VOICE: (870) 673-6911 FAX: (870) 672-4282 Trust Powers: Yes 708 South Main Street 72160-1016 Charter Number: 687 Date: December 29, 1944 FDIC Certificate Number: 16216 Home Page: www.mebanking.com Member of Federal Reserve System Bank Holding Company The Farmers and Merchants Bankshares, Inc., Stuttgart, AR Chm: Roy O. McCollum, III CEO/Pres: Gary Hudson Cash and Due from:.................................... 29,684 Federal Funds and Repos: ......................... 51,109 Investments: ............................................. 149,229 Net Loans: ................................................ 671,632 Premises and Fixed Assets:........................ 15,332 Other Real Estate: ........................................ 5,019 Other Assets: .............................................. 71,167 Total Assets: ............................................. 993,172 Total Trust Assets: .................................... 146,272 Deposits: .................................................. 811,879 Federal Funds and Borrowings: .................. 47,131 Other Liabilities: ............................................ 8,296 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 867,306 Total Equity Capital: .................................. 125,866 Total Liabilities and Capital: ...................... 993,172 Number of Shares Outstanding: ................ 100,000 Directors: Gerald Carter; Bradley A. Chambless; Greg Connell; Gary Hudson; Roy O. McCollum, III; Don Pattillo; Mickey Pierce; Robert H. Pond; Robert Seidenstricker; Patricia M. Townsend; Ray Vester Branches in Town: Four Other Branches: Des Arc, DeWitt, Farmington, Fayetteville (5), Hazen, Marianna, Morrilton, Perryville, Prairie Grove, West Fork One Hundred and Second Report 77 Citizens Bank & Trust Company Van Buren, AR VOICE: (479) 474-1201 FAX: (479) 410-1340 Trust Powers: Yes 3110 Alma Highway 72956-0469 Charter Number: 328 Date: December 20, 1910 FDIC Certificate Number: 8738 Home Page: www.cbankandtrust.com Member of Federal Reserve System Bank Holding Company First Bank Corp., Fort Smith, AR CEO/Pres: D. Keith Hefner SVP: Joe Dan Stewart EVP: Lance L. Lanier TO: Cindy Winborn Cash and Due from: .................................... 17,396 Federal Funds and Repos: .................................. 0 Investments: .............................................. 129,936 Net Loans:................................................. 224,330 Premises and Fixed Assets: ..........................4,435 Other Real Estate: ............................................136 Other Assets: .............................................. 11,892 Total Assets: ............................................. 388,125 Total Trust Assets: ...................................... 11,274 Deposits: ...................................................337,490 Federal Funds and Borrowings: .....................2,143 Other Liabilities:.............................................1,336 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 340,969 Total Equity Capital: ....................................47,156 Total Liabilities and Capital: .......................388,125 Number of Shares Outstanding: ..................16,000 Directors: J. Kevin Bell; Warren D. Blaylock; Mont S. Echols, Jr.; Morril H. Harriman; D. Keith Hefner; L. Scott McBrayer; Brett D. Peters; Paul D. Shirley; Jeremy S. Simon; William W. Thomas; James G. Williamson, Jr. Branches in Town: Three Other Branches: Alma, Mountainburg First State Bank of Warren Warren, AR VOICE: (870) 226-2601 FAX: (870) 226-2253 Trust Powers: Yes 104 South Main Street 71671-0029 Charter Number: 739 Date: December 12, 1978 FDIC Certificate Number: 94 Home Page: www.firststatewarren.com Member of Federal Reserve System Bank Holding Company Bradley Bancshares, Inc., Warren, AR Chm/CEO: Bennie Ryburn, Jr. Pres: Freddie M. Mobley VChm: Bennie Ryburn, III EVP/TO: Hugh Quimby Cash and Due from: ...................................... 9,336 Federal Funds and Repos: .................................. 0 Investments: ................................................ 60,403 Net Loans:................................................... 37,330 Premises and Fixed Assets: ..........................1,049 Other Real Estate: ............................................130 Other Assets: ................................................ 3,190 Total Assets: ............................................. 111,438 Total Trust Assets: ...........................................536 Deposits: .....................................................99,166 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 226 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................99,392 Total Equity Capital: ....................................12,046 Total Liabilities and Capital: .......................111,438 Number of Shares Outstanding: ..................59,000 Directors: Robert Garner; Roger George; Robert Green, Jr.; Freddie M. Mobley; Hugh A. Quimby; Bennie Ryburn, Jr.; Bennie Ryburn, III; Dr. Joe H. Wharton Branches in Town: One Other Branches: Hampton, Hermitage 78 Arkansas State Bank Department Warren Bank and Trust Company Warren, AR VOICE: (870) 226-2621 FAX: (870) 226-6261 Trust Powers: Yes 201 South Main Street 71671-0350 Charter Number: 80 Date: December 28, 1901 FDIC Certificate Number: 81 Home Page: www.warrenbanktrust.com Member of Federal Reserve System Bank Holding Company None Chm: John B. Frazer, Jr. Pres: Kelly Ashcraft Cash and Due from:...................................... 3,878 Federal Funds and Repos: .............................. 925 Investments: ............................................... 89,051 Net Loans: .................................................. 40,929 Premises and Fixed Assets:............................. 613 Other Real Estate: ............................................. 90 Other Assets: ................................................ 1,224 Total Assets: ............................................. 136,710 Total Trust Assets: ...................................... 21,114 Deposits: .................................................. 107,619 Federal Funds and Borrowings: .................... 5,316 Other Liabilities: ............................................... 113 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 113,048 Total Equity Capital: .................................... 23,662 Total Liabilities and Capital: ...................... 136,710 Number of Shares Outstanding: .................. 48,000 Directors: Bruce Anderson; Kelly Ashcraft; Dr. Donnie R. Bryant; Gerald Burton; Carlton E. Davis; John B. Frazer, Jr.; Dr. Rocky K. Lindsey; Jeffrey B. McGaha; Dr. Kerry F. Pennington Branches in Town: Two Other Branches: Hermitage Evolve Bank & Trust West Memphis, AR VOICE: (901) 624-5500 FAX: (901) 624-5540 Trust Powers: Yes 301 Shoppingway Boulevard 72301-1719 Charter Number: 568 Date: June 5, 1925 FDIC Certificate Number: 1299 Home Page: www.getevolved.com Member of Federal Reserve System Bank Holding Company Evolve Bancorp, Inc., West Memphis, AR Chm: Scot Lenoir EVP/CFO: John Copeland CEO/Pres: Scott Stafford EVP/TO: Doug Kelso Cash and Due from:...................................... 4,308 Federal Funds and Repos: .................................. 0 Investments: ............................................... 18,719 Net Loans: ................................................ 319,612 Premises and Fixed Assets:.......................... 3,793 Other Real Estate: ........................................ 2,118 Other Assets: .............................................. 28,288 Total Assets: ............................................. 376,838 Total Trust Assets: .................................... 636,403 Deposits: .................................................. 267,949 Federal Funds and Borrowings: .................. 61,550 Other Liabilities: .......................................... 11,616 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 341,115 Total Equity Capital: .................................... 35,723 Total Liabilities and Capital: ...................... 376,838 Number of Shares Outstanding: .................. 68,286 Directors: Alvinor Bright, Jr.; Donald Clanton; Lewis Holland; Forrest N. Jenkins; Scot Lenoir; Lon Magness; John T. Pitts, Jr.; Scott Stafford; Stephen Valentine Branches in Town: None Other Branches: Memphis[TN], Parkin, Wynne One Hundred and Second Report 79 Cross County Bank Wynne, AR VOICE: (870) 238-8171 FAX: (870) 238-4052 Trust Powers: Yes 1 Cross County Plaza 72396-0009 Charter Number: 25 Date: June 5, 1891 FDIC Certificate Number: 13821 Home Page: www.crosscountybank.com Bank Holding Company Cross County Bancshares, Inc., Wynne, AR Chm: Dr. Willard G. Burks SVP/CFO: Beth Dildine CEO/Pres/TO: David Dowd SVP/CLO: Jack Runsick Cash and Due from: ...................................... 8,894 Federal Funds and Repos: .................................50 Investments: ................................................ 11,894 Net Loans:................................................. 187,988 Premises and Fixed Assets: ..........................8,235 Other Real Estate: .........................................3,923 Other Assets: ................................................ 6,227 Total Assets: ............................................. 227,221 Total Trust Assets: ...................................... 10,375 Deposits: ...................................................194,679 Federal Funds and Borrowings: .....................3,954 Other Liabilities:............................................... 467 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 199,100 Total Equity Capital: ....................................28,111 Total Liabilities and Capital: .......................227,211 Number of Shares Outstanding: ....................4,000 Directors: Dr. Willard G. Burks; Ronald R. Caldwell; Guy E. Fisher; Albert A. Hess; Pete L. Imboden, III; Kenneth L. Johnson, Jr.; R. Vance Lawson; Thomas W. Morgan, Jr.; Roger E. Pohlner; Donald L. Reddmann; R. Joe Rennicke Branches in Town: One Other Branches: Blytheville, Brinkley, Cherry Valley, Hickory Ridge, Jonesboro, Manila, Osceola 80 Arkansas State Bank Department REPORT OF THE STATE CHARTERED TRUST COMPANY (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2016 Arkansas State Bank Department 82 Community First Trust Company Hot Springs, AR VOICE: (501) 520-3660 FAX: (501) 520-3667 Population: 35,750 135 Section Line Road, C-1 71913 Charter Number: 35001 Date: June 17, 1998 County: Garland Home Page: www.communityfirsttrust.com CEO/Pres: William L. Kerst, Jr. CFO: Leslie Ballentine Directors: Charlotte Arnold, CPA; Robert J. Bruce; Mark Buhrow; Gerald A. Burgener; David French; William L. Kerst, Jr.; C. Tim White Branches in Town: None Other Branches: El Dorado, Hot Springs Village, Little Rock, Russellville REPORT OF THE REGIONAL/COUNTY INDUSTRIAL DEVELOPMENT CORPORATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2016 Arkansas State Bank Department 84 Perry County Industrial Development Corporation Perryville, AR VOICE: (501) 889-2621 FAX: (501) 889-2966 Pres: Mark Roland VP: John C. Branscum P.O. Box 869 72126-0869 Charter Number: 30003 Date: August 18, 1994 County: Perry Treas: Janice Moore ALL COMMERCIAL BANKS HEADQUARTERED IN ARKANSAS, LISTED BY COUNTY AND A MAP IDENTIFYING ALL OF THE STATE’S 75 COUNTIES JUNE 30, 2016 Arkansas State Bank Department 86 COUNTY BANK CITY Arkansas Arkansas County Bank DeWitt Bank And Trust Company The Farmers and Merchants Bank Ashley First National Bank of Crossett First State Bank Farmers Bank Home Bank of Arkansas Baxter Integrity First Bank, National Association Benton Bank of Gravett Pinnacle Bank Gravette Rogers Boone Community First Bank Harrison Bradley First State Bank of Warren Warren Bank and Trust Company Calhoun Generations Bank Carroll First National Bank of North Arkansas Cornerstone Bank Anstaff Bank Chicot The Bank of Lake Village Lake Village Clark Southern Bancorp Bank Arkadelphia Clay Piggott State Bank Cleveland Gateway Bank Columbia Farmers Bank and Trust Company The Peoples Bank Magnolia Magnolia Conway Petit Jean State Bank Morrilton Crawford Allied Bank Citizens Bank & Trust Company Crittenden First Community Bank of Eastern Arkansas Evolve Bank & Trust Fidelity National Bank DeWitt DeWitt Stuttgart Crossett Crossett Hamburg Portland Mountain Home Warren Warren Hampton Berryville Eureka Springs Green Forest Piggott Rison Mulberry Van Buren Marion West Memphis West Memphis One Hundred and Second Report 87 COUNTY BANK CITY Cross Cross County Bank The First National Bank of Wynne Dallas FBT Bank & Mortgage Riverside Bank Fordyce Sparkman Desha Merchants & Farmers Bank First NaturalState Bank McGehee Bank Dumas McGehee McGehee Drew Commercial Bank & Trust Company Union Bank And Trust Company Monticello Monticello Faulkner Centennial Bank First Service Bank Conway Greenbrier Fulton Bank of Salem Grant Peoples Bank Greene First National Bank Hot Spring The Malvern National Bank Independence First Community Bank The Citizens Bank Izard The First National Bank of Izard County Jackson Merchants & Planters Bank Jefferson Relyance Bank, National Association Simmons Bank Lafayette Community State Bank Bodcaw Bank Lawrence The First National Bank of Lawrence County Lincoln Bank of Star City Logan First Western Bank The First National Bank at Paris Logan County Bank Wynne Wynne Salem Sheridan Paragould Malvern Batesville Batesville Calico Rock Newport Pine Bluff Pine Bluff Bradley Stamps Walnut Ridge Star City Booneville Paris Scranton Arkansas State Bank Department 88 COUNTY BANK CITY Lonoke Bank of England First State Bank Madison Today's Bank Marion Twin Lakes Community Bank Mississippi Farmers Bank And Trust Company Blytheville Monroe The Merchants and Planters Bank Clarendon Nevada Bank of Prescott Prescott Ouachita Bank of Bearden Security Bank Bearden Stephens Phillips Helena National Bank Pike Bank of Delight Diamond Bank Delight Murfreesboro Poinsett Little River Bank First Delta Bank Lepanto Marked Tree Polk The Union Bank of Mena Pope First State Bank Pulaski First Arkansas Bank & Trust Bank of Little Rock Bank of the Ozarks Bear State Bank Central Bank Eagle Bank & Trust Company Heartland Bank One Bank & Trust, National Association The Capital Bank Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Randolph RiverBank Pocahontas Sebastian The First National Bank of Fort Smith Farmers Bank Fort Smith Greenwood England Lonoke Huntsville Flippin Helena - West Helena Mena Russellville One Hundred and Second Report 89 COUNTY BANK CITY Sevier First State Bank of DeQueen Horatio State Bank DeQueen Horatio Sharp FNBC Bank Bank of Cave City Ash Flat Cave City St. Francis First National Bank of Eastern Arkansas Forrest City Bank, National Association Stone 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 Bank of McCrory Augusta McCrory Yell Chambers Bank River Town Bank Danville Dardanelle Forrest City Forrest City Mountain View Searcy 90 Arkansas State Bank Department MAP OF ARKANSAS COUNTIES ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2016 Arkansas State Bank Department 92 FNBC Bancorp, Inc. Ash Flat, AR RSSD Number: 1099690 VOICE: (870) 994-2311 FAX: (870) 257-1889 636 Ash Flat Drive P. O. Box 8 72513 CEO/Pres: Martin Carpenter EVP: Dana Batterton VP: Marty Sellars Sec/Treas: Morris Street Subsidiaries: FNBC Bank FNBC Capital Trust I Ash Flat, AR Ash Flat, AR Citizens Bancshares of Batesville, Inc. Batesville, AR RSSD Number: 1131077 VOICE: (870) 793-4441 FAX: (870) 698-6299 200 South Third Street P. O. Box 2156 72501-2156 CEO/Pres: Phil Baldwin EVP/Sec: Greg Shaver SVP/CFO: Karen Shaw Subsidiaries: The Citizens Bank Citizens Bancshares (AR) Statutory Trust I Batesville, AR Batesville, AR First Community Bancshares, Inc. Batesville, AR RSSD Number: 2641694 VOICE: (870) 612-3400 FAX: (870) 612-3412 Chm/CEO/Pres: Dale E. Cole EVP: Boris A. Dover Subsidiaries: First Community Bank Batesville Insurance Agency, Inc. Community Business Resources, LLC First Community Real Estate, Inc. WR Holding Co., LLC 1325 Harrison Street P. O. Box 4327 72501-4327 CFO: Jason Taylor Sec: Dianne Lamberth Batesville, AR Batesville, AR Batesville, AR Batesville, AR Batesville, AR One Hundred and Second Report 93 Bearden Bancshares, Inc. Bearden, AR RSSD Number: 2993722 VOICE: (870) 687-2233 FAX: (870) 687-2474 1 Second Street P. O. Box 135 71720-0135 Pres: Rick Green Sec: Ken Riley Subsidiaries: Bank of Bearden BBI Insurance Agency, Inc. Bearden, AR Bearden, AR Arvest Bank Group, Inc. Bentonville, AR RSSD Number: 1095674 VOICE: (479) 464-1500 FAX: (479) 464-1540 Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Holdings, Inc. Arvest Bank Central Mortgage Company ABREHB, LLC Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. RHV, LLC RHV2, LLC First Place on the Creeks, LLC WACO Title Company ABR Investments, Inc. D 3 Technology, Inc. Security Bankcard Center, Inc. Southwest Cattlemen's Corporation Superior Finance Company NBC Capital Trust I NBC Capital Trust II Superior Financial Statutory Trust II CFB Aviation, LLC AREH, LLC Arvest Statutory Trust I 110 NW Second Street, Suite 300 P.O. Box 1860 72712 Sec: Karla Payne Bentonville, AR Fayetteville, AR Little Rock, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Rogers, AR Springdale, AR Joplin, MO Omaha, NE Norman, OK Tulsa, OK Tulsa, OK North Little Rock, AR North Little Rock, AR Hartford, CT Bentonville, AR Lowell, AR Hartford, CT Arkansas State Bank Department 94 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 VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Bank Central Mortgage Company ABREHB, LLC Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. RHV, LLC RHV2, LLC First Place on the Creeks, LLC WACO Title Company ABR Investments, Inc. D 3 Technology, Inc. Security Bankcard Center, Inc. Southwest Cattlemen's Corporation Superior Finance Company NBC Capital Trust I NBC Capital Trust II Superior Financial Statutory Trust II Fayetteville, AR Little Rock, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Rogers, AR Springdale, AR Joplin, MO Omaha, NE Norman, OK Tulsa, OK Tulsa, OK North Little Rock, AR North Little Rock, AR Hartford, CT Farmers Bancorp, Inc. Blytheville, AR RSSD Number: 1247615 VOICE: (870) 763-8101 FAX: (870) 763-3500 Chm/CEO/Pres: Steve Bell Subsidiaries: Farmers Bank And Trust Company 180 Campbellsville, LLC 400 West Main Street P. O. Box 688 72316-0688 Sec: Randy Scott Blytheville, AR Franklin, TN One Hundred and Second Report 95 First Western Bancshares ESOT Booneville, AR RSSD Number: 2628994 VOICE: (479) 675-0369 FAX: (479) 675-0751 80 West Main Street P. O. Box 87 72927-0087 Chm: John T. Hampton Subsidiaries: First Western Bancshares, Inc. First Western Bank First Western Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. First Western Statutory Trust II First Western Statutory Trust III Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR First Western Bancshares, Inc. Booneville, AR RSSD Number: 1100091 VOICE: (479) 675-0369 FAX: (479) 675-0751 80 West Main Street P. O. Box 87 72927-0087 Bank Holding Company First Western Bancshares ESOT, Booneville, AR Chm/CEO: John T. Hampton EVP: Ty Hampton Subsidiaries: First Western Bank First Western Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. First Western Statutory Trust II First Western Statutory Trust III VP/Sec: Debbie Danekas Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Arkansas State Bank Department 96 Harrell Bancshares, Inc. Camden, AR RSSD Number: 2352196 VOICE: (870) 837-8300 FAX: (870) 837-8310 1325 Hwy. 278 Bypass P. O. Box 10 71701 Pres: Jonathan W. Harrell VP: Paul Lindsey Sec: Phillip J. Foster Subsidiaries: Generations Bank Simply Home Lending, Inc. Hampton, AR Fayetteville, AR Sharp Bancshares, Inc. Cave City, AR RSSD Number: 1099663 VOICE: (870) 283-5301 FAX: (870) 283-6466 137 South Main Street P. O. Box 490 72521-0490 Chm: Samuel F. Beller CEO/Pres: John M. Beller VChm: Bruce Street CFO: Dennis Esteb Subsidiaries: Bank of Cave City Cave City Properties, Inc. Cave City, AR Cave City, AR Clarendon Holding Co. Clarendon, AR RSSD Number: 1099252 VOICE: (870) 747-3319 FAX: (870) 747-3498 Chm: J. Baxter Sharp, III Subsidiaries: The Merchants and Planters Bank 297 Madison Street P. O. Box 280 72029-0280 CEO/Pres: J. Kendall Henry Clarendon, AR One Hundred and Second Report 97 Home BancShares, Inc. Conway, AR RSSD Number: 1491409 VOICE: (501) 328-4663 FAX: (501) 328-4679 719 Harkrider Street, Suite 100 P. O. Box 966 72032 Chm: John W. Allison CEO: C. Randall Sims CFO: Brian Davis Subsidiaries: Centennial Bank Centennial Insurance Agency, Inc. Freedom Insurance Group, Inc. Cook Insurance Agency, Inc. RCA Air, LLC Centennial (AR) Statutory Trust I Liberty Statutory Trust 1 Liberty Statutory Trust II Russellville Statutory Trust I Conway, AR Cabot, AR Jonesboro, AR Apalachicola, FL Conway, AR Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Evergreen Bancshares, Inc. Crossett, AR RSSD Number: 1134797 VOICE: (870) 364-5131 FAX: (870) 364-6329 200 Pine Street P. O. Box 638 71635-0638 Chm: Richard E. Griffin CEO/Pres: Howard M. Beaty, Jr. Subsidiaries: First State Bank Crossett, AR Chambers Bancshares, Inc. Danville, AR RSSD Number: 1141487 VOICE: (479) 495-4680 FAX: (479) 495-4681 Chm/CEO/Pres: John Ed Chambers, III Subsidiaries: Chambers Bank CBI Holdings, Inc. Sloan Capital Trust I 105 East Ninth Street P. O. Box 1330 72833-1330 CFO: Mike Donnell Danville, AR Danville, AR Danville, AR Arkansas State Bank Department 98 Bank of Dardanelle Bankshares, Inc. Dardanelle, AR RSSD Number: 1134546 VOICE: (479) 229-3311 FAX: (479) 229-4180 102 North Front Street P. O. Box 577 72834-0577 Chm/CEO/Pres: Thomas C. Berryhill Sec: Sharon Wilson Subsidiaries: River Town Bank Dardanelle, AR First State Bancshares, Inc. DeQueen, AR RSSD Number: 2032724 VOICE: (870) 642-4423 FAX: (870) 642-2847 402 West Collin Raye Drive P. O. Box 970 71832-0970 Chm: Dennis Smiley CEO/Pres: Gary L. Golden Subsidiaries: First State Bank of DeQueen First State Insurance of DeQueen, Inc. First State DeQueen Statutory Trust I DeQueen, AR DeQueen, AR Wilmington, DE DBT Financial Corporation DeWitt, AR RSSD Number: 1139176 VOICE: (870) 946-3531 FAX: (870) 946-2815 Pres: Becca Mehlin Second & Jefferson Streets P. O. Drawer 71 72042-0071 Sec: David Jessup Subsidiaries: DeWitt Bank And Trust Company DBT Realty Company, Inc. P & M Realty, Inc. DeWitt Bank and Trust Insurance Company, Inc. DeWitt, AR DeWitt, AR DeWitt, AR DeWitt, AR One Hundred and Second Report 99 DeWitt First Bankshares Corporation DeWitt, AR RSSD Number: 1099243 VOICE: (870) 946-3551 FAX: (870) 946-1562 220 West Cross P. O. Box 511 72042-0511 Pres: Warren A. Jennings, Sr. Sec: Warren A. Jennings, Jr. Subsidiaries: Arkansas County Bank DeWitt, AR M & F Financial Corporation Dumas, AR RSSD Number: 1099506 VOICE: (870) 382-4311 FAX: (870) 382-5901 Chm/CEO: L. Ashton Adcock Pres: J. Michael Jones 500 Highway 65 South P. O. Box 187 71639-0187 Treas/Sec: Betty B. Trites Subsidiaries: Merchants & Farmers Bank Dumas, AR First Financial Banc Corporation El Dorado, AR RSSD Number: 2568102 VOICE: (870) 863-7000 FAX: (870) 881-5393 CEO/Pres: Chris Hegi EVP: Craig Mobley 214 North Washington Street P. O. Box 1754 71730-1754 EVP/CFO: Melissa Jerry Sec: Debra Martin Subsidiaries: First Financial Bank First Title Services, Inc. First Financial Banc Corporation Statutory Trust I First Financial Statutory Trust III El Dorado, AR El Dorado, AR El Dorado, AR El Dorado, AR Arkansas State Bank Department 100 MHBC Investments Limited Partnership, I England, AR RSSD Number: 2795083 VOICE: (501) 842-2555 FAX: (501) 842-2422 123 South Main Street P.O. Box 70 72046-0070 Chm/CEO/Pres: Gary Canada, Sr. Subsidiaries: Bank of England BOE Acquisition Company, Inc. England, AR England, AR Eureka Bancshares, Inc. Eureka Springs, AR RSSD Number: 2941769 VOICE: (479) 253-3000 FAX: (479) 253-3004 Chm/CEO/Pres: John F. Cross VChm: Lewis E. Epley, Jr. 70 South Main Street P. O. Box 309 72632-0309 Sec: Charles T. Cross Subsidiaries: Cornerstone Bank Eureka Springs, AR White River Bancshares Company Fayetteville, AR RSSD Number: 3306589 VOICE: (479) 684-3700 FAX: (479) 684-3795 3878 N. Crossover Road, Suite 20 P.O. Box 8550 72703 Bank Holding Company Community First Bancshares, Inc., Harrison, AR Chm/CEO/Pres: Gary R. Head CFO: Russell W. Nugent, Jr. Subsidiaries: Signature Bank of Arkansas COO: Marilyn K. Hendricks CLO: Daniel J. Lewis Fayetteville, AR One Hundred and Second Report 101 FBT Bancshares, Inc. Fordyce, AR RSSD Number: 1099092 VOICE: (870) 352-3107 FAX: (870) 352-5202 200 West Fourth Street 71742-2202 Chm/CEO/Pres: James V. Hulse, Jr. EVP/Sec: Suzette Crutchfield EVP: Bruce Dawson SVP: David Sisson Subsidiaries: FBT Bank & Mortgage Fordyce, AR First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (479) 782-2041 FAX: (479) 788-4602 Chm: Mont S. Echols, Jr. CEO/Pres: Sam T. Sicard 602 Garrison Avenue P. O. Box 7 72902-0007 VP: James G. Williamson, Jr. Subsidiaries: The First National Bank of Fort Smith Special L P, LLC Citizens Bank & Trust Company PMF, Inc. V B Senior Housing Limited Partnership Brown-Hiller, Inc. FBC Acquisition, Inc. First Asset Holdings, LLC Realty Appraisals, Inc. Brown-Hiller-Clark Brown-Hiller-Clark & Associates of Oklahoma, Inc. Fort Smith, AR Fort Smith, AR Van Buren, AR Van Buren, AR Van Buren, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Sallisaw, OK Sallisaw, OK Bainum Bancorp Glenwood, AR RSSD Number: 1491333 VOICE: (870) 356-2121 FAX: (870) 356-6327 Chm/Pres: Tim Bainum VP: Ken “Mac” McClanahan Subsidiaries: Diamond Bank 205 Highway 70 East P. O. Box 500 71943 Sec: Lynda Robbins Murfreesboro, AR Arkansas State Bank Department 102 Gravett Bancshares, Inc. Gravette, AR RSSD Number: 3143953 VOICE: (479) 787-5251 FAX: (479) 787-6102 211 Main Street SE P.O. Box 149 72736-0149 Chm/VP: Jim A. Edmondson Pres: Rick Pollreis Sec: Bob King Subsidiaries: Bank of Gravett Gravette, AR First National Bancorp, Inc. Green Forest, AR RSSD Number: 2619349 VOICE: (870) 438-5214 FAX: (870) 438-5412 100 First National Avenue P.O. Box 1900 72638-1900 Chm/Pres: Stephen E. Stafford SVP/CFO: Shelby Bruffett Sec: L. Scott Stafford Subsidiaries: Twin Lakes Community Bank Anstaff Bank Flippin, AR Green Forest, AR First Service Bancshares, Inc. Greenbrier, AR RSSD Number: 1137266 VOICE: (501) 679-7200 FAX: (501) 679-5104 Chm/CEO/Pres: Thomas H. Grumbles Subsidiaries: First Service Bank First Service Realty 136 South Broadview Street P.O. Box 190 72058-0190 Treas/Sec: Kenneth Barnard Greenbrier, AR Greenbrier, AR One Hundred and Second Report 103 Peoples Home Holding, Inc. Greenbrier, AR RSSD Number: 3029196 VOICE: (501) 679-7283 FAX: (501) 679-7745 VP: Joe Benton VP: Bill Hannah 61 A South Broadview Street P. O. Box 307 72058 Sec: Terry Milam Subsidiaries: Home Bank of Arkansas HomeBank Insurance Agency Portland, AR Greenbrier, AR Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (479) 996-4171 FAX: (479) 996-6700 Chm: Elizabeth Wilkinson 71 West Center Street P. O. Box 610 72936-0610 CEO/Pres: Edward Wilkinson Subsidiaries: Farmers Bank Greenwood, AR Community First Bancshares, Inc. Harrison, AR RSSD Number: 2754585 VOICE: (870) 391-8000 FAX: (870) 391-8081 Chm/CEO: Jerry Maland CFO: Ann Main Subsidiaries: White River Bancshares Company Signature Bank of Arkansas Community First Bank Community First AR Statutory Trust I Mobius Technology Consulting, LLC 200 East Ridge Avenue P. O. Box 913 72602-0913 Sec: Dan R. Bowers Fayetteville, AR Fayetteville, AR Harrison, AR Harrison, AR Springfield, MO Arkansas State Bank Department 104 Pioneer Bancshares, Inc. of Horatio, Arkansas Horatio, AR RSSD Number: 1139091 VOICE: (870) 832-2501 FAX: (870) 832-2577 Chm/CEO/Pres: Edith H. Smith VP: Todd B. Trimble 123 Main Street P. O. Box 347 71842-0347 Treas/Sec: Carl E. Hendrix, III Subsidiaries: Horatio State Bank Horatio, AR Smith Associated Banking Corporation Hot Springs, AR RSSD Number: 1098004 VOICE: (501) 623-4292 FAX: (501) 624-7187 1801 Central Avenue, Suite D 71901 Chm/CEO: Guy R. “Buck” Smith Subsidiaries: Bank of Salem SABCO Insurance, Inc. Security Bank Ouachita Properties, Inc. Salem, AR Salem, AR Stephens, AR Stephens, AR First Arkansas BancShares, Inc. Jacksonville, AR RSSD Number: 1096550 VOICE: (501) 982-4511 FAX: (501) 982-5769 Chm/CEO/Pres: Larry T. Wilson Subsidiaries: First Arkansas Bank & Trust First Arkansas Statutory Trust I 600 West Main Street P. O. Box 827 72078-0827 SVP/CFO: Kim Crook Jacksonville, AR Jacksonville, AR One Hundred and Second Report 105 Southeast Arkansas Bank Corporation Lake Village, AR RSSD Number: 1137033 VOICE: (870) 265-2241 FAX: (870) 265-2125 201 Main Street P. O. Box 727 71653-0727 Chm/CEO: Charles H. Weissinger, Jr. VChm: William W. Bunker Pres: Terence J. Alpe COO: Shannon M. Hill Subsidiaries: The Bank of Lake Village BLV Realty, Inc. The Jefferson Agency The Jefferson Bank Jefferson Ag Credit Lake Village, AR Lake Village, AR Fayette, MS Fayette, MS Greenville, MS Little River Bancshares, Inc. Lepanto, AR RSSD Number: 2463391 VOICE: (870) 475-2306 FAX: (870) 475-3070 Chm: Henry G. Watkins, III Pres: Scott Arnold, IV 202 Greenwood Avenue P. O. Box 340 72354-0340 Sec: Jana Malone Subsidiaries: Little River Bank Lepanto, AR Allcorp, Inc. Little Rock, AR RSSD Number: 4152877 VOICE: (501) 707-1154 FAX: (501) 707-1161 Chm/CEO: Lex Golden, III Subsidiaries: Community State Bank 5701 Kavanaugh Boulevard 72207 Pres: Alex Golden Bradley, AR 106 Arkansas State Bank Department Bank of the Ozarks, Inc. Little Rock, AR RSSD Number: 1097089 VOICE: (501) 978-2265 FAX: (501) 978-2205 Chm/CEO: George G. Gleason, II CFO: Greg McKinney 17901 Chenal Parkway P. O. Box 8811 72231-8811 COO: Tyler Vance Subsidiaries: Bank of the Ozarks Summit Real Estate Investments, Inc. ASMSA Investment Fund, LLC BOTO, LLC BOTO-AR Properties, LLC Highway 7 Properties, LLC Open Avenues Investment Fund, LLC The Highlands Group, Inc. Twin Points Road Clubhouse Properties, LLC BOTO FL Properties, LLC BOTO GA Properties, LLC FCB Properties, LLC PAB State Credits, LLC BOTC, LLC BOTO NC Properties, LLC East Atlantic Properties, LLC BOTO SC Properties, LLC BOTO Holdings, Inc. RESG Cayman Islands SPE, LLC Omnibank Center Business Condominium Owners Assn., Inc. Ozark Capital Statutory Trust II Intervest Statutory Trust IV Intervest Statutory Trust V Ozark Capital Statutory Trust III Ozark Capital Statutory Trust IV Ozark Capital Statutory Trust V Intervest Statutory Trust II Intervest Statutory Trust III Little Rock, AR Arkadelphia, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Bradenton, FL Cartersville, GA Valdosta, GA Valdosta, GA Charlotte, NC Charlotte, NC Charlotte, NC Columbia, SC Dallas, TX Dallas, TX Houston, TX Hartford, CT Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Chicago, IL Boston, MA Boston, MA One Hundred and Second Report 107 Bear State Financial Holdings, LLC Little Rock, AR RSSD Number: 4297853 VOICE: (501) 975-6033 FAX: (870) 365-8355 900 Shackleford Road, Suite 401 72211 Chm/CEO/Pres: Richard N. Massey Subsidiaries: Bear State Financial, Inc. Bear State Bank Little Rock, AR Little Rock, AR Bear State Financial, Inc. Little Rock, AR Bank Holding Company Bear State Financial Holdings, LLC, Little Rock, AR RSSD Number: 3832015 VOICE: (501) 975-6033 FAX: (870) 365-8355 900 Shackleford Road, Suite 401 72211 Chm: Richard N. Massey CEO/Pres: Mark A. McFatridge VChm: W. Dabbs Cavin SVP/COO: R. Thomas Fritche, Jr. Subsidiaries: Bear State Bank Little Rock, AR Capital Bancshares, Inc. Little Rock, AR RSSD Number: 2777016 VOICE: (501) 228-6000 FAX: (501) 228-6006 Chm: Warren Stephenson CEO/Pres: Kyle E. Patton Subsidiaries: The Capital Bank 12224 Chenal Parkway P. O. Box 8210 72211 EVP/CFO: Jeanette Nation Little Rock, AR Arkansas State Bank Department 108 Little Rock Bankshares, Inc. Little Rock, AR RSSD Number: 2617082 VOICE: (501) 376-0800 FAX: (501) 374-7937 200 North State Street P. O. Box 34090 72203 Chm/CEO: Eugene L. Maris SVP: Kim Markland SVP/Cash: Lee A. Swearingen Sec: Stephen Plunkett Subsidiaries: Bank of Little Rock Bank of Little Rock Mortgage Corp. Hallmark National Mortgage Corp. Little Rock Mortgage Corp. Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Riverside Bancshares, Inc. Little Rock, AR RSSD Number: 2155342 VOICE: (501) 614-6161 FAX: (501) 614-6162 Pres: Stephen C. Davis Subsidiaries: Riverside Bank Arkansas Mortgage Company, Inc. Riverside Mortgage Company, Inc. 1001 West Markham Street, Second Floor 72201 Sec: David Matchet Sparkman, AR Fayetteville, AR Little Rock, AR One Hundred and Second Report 109 Rock Bancshares, Inc. Little Rock, AR RSSD Number: 3770313 VOICE: (501) 664-8722 FAX: (501) 663-8753 One Information Way, Suite 400 72202 Pres: Judy Lawton Atty: Joseph W. Gregory Sec: Sally Brewer Subsidiaries: Heartland Bank Heartland Insurance, LLC Montesano Investment, LLC Zwoelle Investment, LLC HCB Investments, Inc. Rock Bancshares Statutory Trust I Rock Bancshares Statutory Trust II Rock Capital Income Fund, LLC Rock Service Company, LLC Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Southern Bancorp, Inc. Little Rock, AR RSSD Number: 1248939 VOICE: (501) 850-8969 FAX: (501) 537-1193 Chm: Glen Jones CEO: Darrin Williams Subsidiaries: Southern Bancorp Bank Southern Bancorp Investment Fund I, LLC Southern Landlord, LLC Creekside Holdings, LLC Southern Bancorp Statutory Trust IV Southern Development Capital Trust Southern Development Statutory Trust III Southern Property Corporation of the Delta SBI Acquisition, Inc. 8924 Kanis Road 72205 CFO: Christopher Wewers Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Madison, MS Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Madison, MS Arkansas State Bank Department 110 State Holding Company Little Rock, AR RSSD Number: 1100046 VOICE: (501) 223-3450 FAX: (501) 223-8008 650 South Shackleford Road, Suite 450 72211 Chm/CEO/Pres: Catherine H. Owen VChm: Harry L. Hastings, Jr. EVP: Laura Bogoslavsky EVP: Paul Castleberry Subsidiaries: Eagle Bank & Trust Company Eagle Development Company South State Mortgage Company Little Rock, AR Little Rock, AR Little Rock, AR Lonoke Bancshares, Inc. Lonoke, AR RSSD Number: 1491614 VOICE: (501) 676-3106 FAX: (501) 676-5046 Chm: Neil Bennett, Jr. CEO: David R. Estes 101 South Center Street P.O. Box 320 72086-0320 Sec: Karen Hardke Subsidiaries: First State Bank First State Land Co., Inc. Lonoke Statutory Trust I Lonoke Statutory Trust II Lonoke, AR Lonoke, AR Lonoke, AR Lonoke, AR Golden Oaks Bancshares, Inc. Magnolia, AR RSSD Number: 1098684 VOICE: (870) 234-5777 FAX: (870) 234-3384 Chm: S. Clark Fincher Pres: Mary L. Fowler Subsidiaries: The Peoples Bank 500 North Jackson Street P. O. Box 340 71754-0340 Sec: Sharon Gathright Magnolia, AR One Hundred and Second Report 111 Magnolia Banking Corporation Magnolia, AR RSSD Number: 1135413 VOICE: (870) 235-7000 FAX: (870) 235-7039 200 East Main Street P. O. Box 250 71754-0250 Chm/CEO/Pres: Bob L. Burns EVP: Steve Keith EVP: Bruce D. Maloch Sec: Molly Burns Subsidiaries: Farmers Bank and Trust Company Magnolia Properties, Inc. Magnolia Statutory Trust I Magnolia Statutory Trust II First National Hempstead Statutory Trust I Magnolia, AR Magnolia, AR Magnolia, AR Magnolia, AR Hartford, CT FCB Financial Services, Inc. Marion, AR RSSD Number: 3123339 VOICE: (870) 739-7300 FAX: (870) 739-7379 205 Block Street P.O. Box 747 72364-0747 Pres: Donny Underwood EVP/CFO: Brenda Eldridge Sec: Frank A. Fogleman Subsidiaries: First Community Bank of Eastern Arkansas Marion, AR Tyronza Bancshares, Inc. Marked Tree, AR RSSD Number: 1139783 VOICE: (870) 358-6000 FAX: (870) 358-6001 Chm: Herrick F. Norcross, III Subsidiaries: First Delta Bank 214 Hester Parker Drive P. O. Box 635 72365-0635 Pres: Chris M. Lehman Marked Tree, AR Arkansas State Bank Department 112 M. D. Thompson & Son Co. McCrory, AR RSSD Number: 1094967 VOICE: (870) 731-2526 FAX: (870) 731-2527 105 South Edmonds Avenue P. O. Box 388 72101-0388 CEO: Brenda Thompson Pres/Sec: Vance Thompson CFO/VP: Brooke T. Cavitt Subsidiaries: Bank of McCrory McCrory, AR First National Financial Corporation McGehee, AR RSSD Number: 3386880 VOICE: (870) 222-3880 FAX: (870) 222-4853 500 North Second Street 71654 EVP/COO: Jim R. Daniels Subsidiaries: First NaturalState Bank Milner/Owyoung Insurance Co., LLC McGehee, AR McGehee, AR One Hundred and Second Report 113 McGehee Bank Employee Stock Ownership Plan McGehee, AR RSSD Number: 3487965 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North Second Street P.O. Box 787 71654-0787 Chm: William W. Bowman CEO/Pres: James M. Smith VChm: John H. Potter, Jr. Subsidiaries: Southeast Financial Bankstock Corporation McGehee Bank McBank Realty McGehee, AR McGehee, AR McGehee, AR Southeast Financial Bankstock Corporation McGehee, AR RSSD Number: 1096662 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North Second Street P. O. Box 787 71654-0787 Bank Holding Company McGehee Bank Employee Stock Ownership Plan, McGehee, AR Chm: William W. Bowman CEO/Pres: James M. Smith Subsidiaries: McGehee Bank McBank Realty VChm: John H. Potter, Jr. McGehee, AR McGehee, AR Arkansas State Bank Department 114 Union Bankshares, Inc. Mena, AR RSSD Number: 1099805 VOICE: (479) 394-2211 FAX: (479) 394-3809 303 Highway 71 North P. O. Box 898 71953-0898 Chm: Edward W. Stevenson CEO/Pres: Philip B. Hensley EVP/CFO: Michael D. Myers Sec: David Maddox Subsidiaries: The Union Bank of Mena Union Bankshares Statutory Trust I The First National Bank at Paris Mena, AR Mena, AR Paris, AR Drew Bancshares, Inc. Monticello, AR RSSD Number: 1098198 VOICE: (870) 367-2025 FAX: (870) 367-1151 Chm: Bennie Ryburn, Jr. Pres: George T. Harris 212 West Gaines Street P. O. Box 150 71657-0150 VChm: Bennie Ryburn, III SVP/Sec: Rusty Smith Subsidiaries: Commercial Bank & Trust Company Monticello, AR First Union Financial Corporation Monticello, AR RSSD Number: 1098880 VOICE: (870) 460-6400 FAX: (870) 460-6465 Chm Emer: Zach McClendon, Jr. Chm/CEO: John S. McClendon Subsidiaries: Union Bank And Trust Company First Union Statutory Trust I 102 West McCloy Street P. O. Box 270 71657-0270 Pres: Dave Dickson Treas/Sec: Robin McClendon Monticello, AR Monticello, AR One Hundred and Second Report 115 Petit Jean Bancshares, Inc. Morrilton, AR RSSD Number: 2877402 VOICE: (501) 354-4988 FAX: (501) 354-6560 707 North Saint Joseph Street P. O. Box 680 72110 Pres: Charles S. Penick Subsidiaries: Petit Jean State Bank Morrilton, AR Stone Bancshares, Inc. Mountain View, AR RSSD Number: 4928344 VOICE: (870) 269-7311 FAX: (870) 269-7312 Chm/Pres: Kevin Compton EVP: Marnie B. Oldner Subsidiaries: Stone Bank 802 East Main Street P.O. Box 2750 72560-2750 CFO: Stephen T. Ragland Sec: Pam Sutton Mountain View, AR Arkansas State Bank Department 116 Acme Holding Co., Inc. Employee Stock Ownership Plan (ESOP) Mulberry, AR RSSD Number: 2576424 VOICE: (479) 997-1154 FAX: (479) 997-1161 311 Main Street P. O. Drawer A 72947-0480 CEO: Lex Golden Subsidiaries: Acme Holding Company, Inc. Allied Bank The Mortgage Bank of Arkansas, Inc. Acme Statutory Trust I Mulberry, AR Mulberry, AR Little Rock, AR Mulberry, AR Acme Holding Company, Inc. Mulberry, AR RSSD Number: 1140556 VOICE: (479) 997-1154 FAX: (479) 997-1161 311 Main Street P. O. Drawer A 72947-0480 Bank Holding Company Acme Holding Co., Inc. Employee Stock Ownership Plan (ESOP), Mulberry, AR CEO: Lex Golden Subsidiaries: Allied Bank The Mortgage Bank of Arkansas, Inc. Acme Statutory Trust I Pres/Sec: Alex Golden Mulberry, AR Little Rock, AR Mulberry, AR One Hundred and Second Report 117 M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan Newport, AR RSSD Number: 3394429 VOICE: (870) 523-3601 FAX: (870) 523-3473 120 Hazel Street P.O. Box 650 72112-0650 Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. Treas: Pat Davis Sec: Leslie Lowery Subsidiaries: M & P Community Bancshares, Inc. Merchants & Planters Bank M & P Community Statutory Trust II M & P Insurance & Investment Services, Inc. Newport, AR Newport, AR Newport, AR Newport, AR M & P Community Bancshares, Inc. Newport, AR RSSD Number: 1491306 VOICE: (870) 523-3601 FAX: (870) 523-3473 120 Hazel Street P. O. Box 650 72112-0650 Bank Holding Company M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan, Newport, AR Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. Subsidiaries: Merchants & Planters Bank Treas: Pat Davis Sec: Leslie Lowery Newport, AR Arkansas State Bank Department 118 Piggott Bankstock, Inc. Piggott, AR RSSD Number: 1098321 VOICE: (870) 598-3802 FAX: (870) 598-2026 Chm: Steve Bell 212 West Cherry Street P. O. Box 307 72454-0307 CEO/Pres: Cody Knight Subsidiaries: Piggott State Bank Piggott, AR Simmons First National Corporation Pine Bluff, AR RSSD Number: 1094828 VOICE: (870) 541-1000 FAX: (870) 850-2685 Chm/CEO: George A. Makris, Jr. EVP: Marty D. Casteel 501 Main Street P. O. Box 7009 71601-4327 EVP/CAO: Stephen C. Massanelli EVP/SEC: Patrick A. Burrow Subsidiaries: Simmons Bank Delta Trust Mortgage, Inc. PGR, LLC REO Holding I, LLC REO Holdings II, LLC Simmons First Insurance Services, Inc. Simmons First Investment Group, Inc. Big Creek Investors, LLC MU Investment Property, LLC First State Providence PCC of Grenada, LLC Simmons First Auto, Inc. Simmons First Finance Company Simmons First Insurance Services of TN, LLC Simmons First Properties, Inc. Simmons First Special Assets, Inc. Simmons First Capital Trust II Simmons First Capital Trust III Simmons First Mortgage Company Liberty Capital Trust III Liberty Capital Trust IV Liberty Capital Trust V Simmons First State Risk Management, Inc. Community First Statutory Trust II Community First Statutory Trust III Pine Bluff, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Sedalia, MO St. Louis, MO Union City, TN Union City, TN Union City, TN Union City, TN Union City, TN Union City, TN Pine Bluff, AR Pine Bluff, AR Pine Bluff, AR Springfield, MO Springfield, MO Springfield, MO Las Vegas, NV Union City, TN Union City, TN One Hundred and Second Report 119 Prescott Bancshares, Inc. Prescott, AR RSSD Number: 2236586 VOICE: (870) 887-2688 FAX: (870) 887-6822 East Second Street at Main Street P.O. Drawer 490 71857-0490 Pres: John Warren Brannan, Jr. EVP: Gary McCauley Treas/Sec: Karen McLelland Subsidiaries: Bank of Prescott Prescott, AR Sigma Holdings, Inc. Rison, AR RSSD Number: 4512378 VOICE: (501) 847-3440 FAX: (501) 847-3452 112 Main Street P.O. Box 345 71665 CEO: Troy Duke Subsidiaries: Gateway Bank Rison, AR Pinnacle Bancshares, Inc. Rogers, AR RSSD Number: 3451416 VOICE: (479) 619-2000 FAX: (479) 619-2701 4201 West New Hope Road, Suite 101 72758 72758 Chm/CEO: Wade Ruckle Subsidiaries: Pinnacle Bank Rogers, AR Arkansas State Bank Department 120 First State Banking Corporation Russellville, AR RSSD Number: 1096448 VOICE: (479) 498-2402 FAX: (479) 498-2465 3103 East Main Street P. O. Box 10610 72812 Chm/CEO: Charles Blanchard Pres: Chip Blanchard EVP: Toni B. Laws CFO/Sec: Andrea Nicholson Subsidiaries: First State Bank Nimrod Real Estate, Inc. FSB Capital Trust II FSB Capital Trust lll Russellville, AR Russellville, AR Russellville, AR Russellville, AR First Security Bancorp Searcy, AR RSSD Number: 1096505 VOICE: (501) 279-3401 FAX: (501) 279-3486 Chm/CEO: Reynie Rutledge 314 North Spring Street P. O. Box 1009 72145-1009 Pres: Bill Scholl Subsidiaries: First Security Bank UFS, Inc. Peoples Real Estate Management Co. First Security Investment Advisors, Inc. First Security Real Estate Management, Inc. FNBS Investments Inc. Crews & Associates, Inc. First Security Finance, Inc. Eastview of NWA, LLC First Security Fund Advisors, Inc. Torrent Fire Co. #4, LLC Union Air, LLC Cheyenne Aircraft, LLC Crews Dissemination Services, Inc. Crossfirst Holding, LLC Searcy, AR Benton, AR Mountain Home, AR Searcy, AR Searcy, AR Las Vegas, NV Little Rock, AR Little Rock, AR Searcy, AR Searcy, AR Searcy, AR Searcy, AR Wilmington, DE Leawood, KS Leawood, KS One Hundred and Second Report 121 Peoples Bancorp, Inc. Sheridan, AR RSSD Number: 4639435 VOICE: (870) 942-5707 FAX: (870) 942-2489 1120 South Rock Street P.O. Box 460 72150 Chm: Al Upton Pres: John D. Manatt EVP: Craig L. Manatt Sec: James W. Lancaster Subsidiaries: Peoples Bank Sheridan, AR Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 708 North Broadway Street P. O. Box 107 71762-0107 Chm/CEO: Bob Willett Pres: James B. Yeager SVP: J. Drew Tennyson Subsidiaries: Smackover State Bank Smackover, AR Mathias Bancshares, Inc. Springdale, AR RSSD Number: 1951172 VOICE: (479) 750-9100 FAX: (479) 750-0953 Chm: Sam Mathias VChm: Arthur Thurman Subsidiaries: Today's Bank FSB Properties, LLC Property Management 40830, LLC 5571 Bleaux Avenue P. O. Box 6485 72766 Sec: Larry Olson Huntsville, AR Fayetteville, AR Fayetteville, AR Arkansas State Bank Department 122 United Holding Company, Inc. Springdale, AR RSSD Number: 3832181 VOICE: (479) 872-3802 FAX: (888) 420-1829 2790 South Thompson Street, Suite 102 72764-6354 72764-6354 CEO/Pres/Sec: Craig Young CFO/Treas: Karla Baker Subsidiaries: United Bank Springdale, AR Bodcaw Bancshares, Inc. Stamps, AR RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 307 Thomas Street P. O. Box 8 71860-0008 Chm: J. Paul Nipper Pres/Sec: Scott Hultberg Subsidiaries: Bodcaw Bank Stamps, AR Star City Bancshares, Inc. Star City, AR RSSD Number: 1131723 VOICE: (870) 628-4286 FAX: (870) 628-5274 116 North Lincoln Avenue P. O. Drawer 69 71667-0069 Chm/CEO/Pres: Bennie F. Ryburn, Jr. Subsidiaries: Bank of Star City Star City, AR One Hundred and Second Report 123 The Farmers and Merchants Bankshares, Inc. Stuttgart, AR RSSD Number: 1099672 VOICE: (870) 673-6911 FAX: (870) 672-4282 708 South Main Street P. O. Box 1010 72160-1016 Chm: Roy O. McCollum, III CEO/Pres: Gary Hudson Subsidiaries: The Farmers and Merchants Bank Bankshares of Fayetteville Statutory Trust I Stuttgart, AR Fayetteville, AR Bradley Bancshares, Inc. Warren, AR RSSD Number: 1097463 VOICE: (870) 226-2601 FAX: (870) 226-2253 Chm/CEO: Bennie Ryburn, Jr. Pres: Freddie M. Mobley 104 South Main Street P. O. Box 29 71671-0029 VChm: Bennie Ryburn, III Subsidiaries: First State Bank of Warren Warren, AR Evolve Bancorp, Inc. West Memphis, AR RSSD Number: 1142411 VOICE: (901) 624-5500 FAX: (901) 624-5540 Chm: Scot Lenoir Subsidiaries: Evolve Bank & Trust 301 Shoppingway Boulevard 72301 Sec: Scott Stafford West Memphis, AR Arkansas State Bank Department 124 Cross County Bancshares, Inc. Wynne, AR RSSD Number: 1131611 VOICE: (870) 238-8171 FAX: (870) 238-4052 Chm: Dr. Willard G. Burks CEO/Pres: David Dowd Subsidiaries: Cross County Bank CCB Real Estate Holdings, Inc. CCB-EAT, LLC Janus Title, LLC 1 Cross County Plaza P. O. Box 9 72396-0009 Treas/Sec: Shelia Stotts Wynne, AR Wynne, AR Wynne, AR Wynne, AR One Hundred and Second Report 125 ABBREVIATIONS Chm: Chm Emer: CEO: VChm: Pres: Reg Pres: EVP: SVP: CAO: CBO: CCO: CFO: CLO: COO: AdmVP: EO: VP: SLO: Cash: Cont: AVP: RMO: Aud: TO: ATO: Treas: Sec: Atty: Chairman of the Board Chairman Emeritus Chief Executive Officer Vice Chairman President Regional President Executive Vice President Senior Vice President Chief Administrative Officer Chief Banking Officer Chief Credit Officer Chief Financial Officer Chief Lending Officer Chief Operating Officer Administrative Vice President Executive Officer Vice President Senior Loan Officer Cashier Controller Assistant Vice President Risk Management Officer Auditor Trust Officer Assistant Trust Officer Treasurer Secretary Attorney One Hundred and Second Report NOTES 127 128 Arkansas State Bank Department NOTES One Hundred and Second Report 129
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