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REPORT OF THE BANK COMMISSIONER OF THE STATE OF ARKANSAS 2021 ASA HUTCHINSON Governor MICHAEL PRESTON Secretary SUSANNAH T. MARSHALL Bank Commissioner ONE HUNDRED AND SEVENTH ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2021 STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2021 Michael Preston Secretary of the Arkansas Department of Commerce Little Rock, Arkansas Secretary Preston: I am pleased to submit to you the One Hundred and Seventh 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, 2021. The banking industry in Arkansas remains in an overall strong position as the country continues to be challenged by the effects of the ongoing pandemic. Total assets in Arkansas state-chartered banks have continued to exhibit significant growth in recent years. As of June 30, 2021, aggregate total assets in statechartered banks exceed $132 billion. Arkansas banks continue to perform better than the national average in profitability and asset quality. The overall capital position of Arkansas’s 73 state-chartered banks also remains strong as the average Tier 1 Leverage Capital ratio is 10.80 percent for fiscal year-end 2021. The financial services industry in Arkansas and across the nation continues to change and evolve at a rapid pace. Arkansas state-chartered banks are embracing new technologies to make banking more convenient, more flexible and to remain competitive within the financial services landscape. Arkansas state-chartered banks remain focused on meeting the needs of their customers, serving the communities in which they operate and promoting economic growth. We thank you for the support you and your staff provide and assure you of our continuing efforts to maintain the highest level of professionalism in the performance of our responsibilities. Respectfully, Susannah T. Marshall Bank Commissioner One Hundred and Seventh Report TABLE OF CONTENTS Legal Holidays ............................................................................................................................................ 2 Commissioners of The Bank Department .................................................................................................. 3 State Banking Board .................................................................................................................................. 4 Departmental Roster .................................................................................................................................. 5 Mergers of State Chartered Banks/Charter Relocations/Corporate Name Changes ................................. 9 Branches Approved .................................................................................................................................. 10 State Chartered Banks Subchapter S Corporations................................................................................. 12 Fiscal Report of The Bank Department .................................................................................................... 14 Federal Supervisory Agencies ................................................................................................................. 15 Trade Associations ................................................................................................................................... 20 Consolidated Report of Condition Data State Chartered Banks .......................................................................................................................... 23 Consolidated Statement of Condition State Chartered Trust Departments ...................................................................................................... 24 Consolidated Report of Condition Data National Banks ...................................................................................................................................... 25 Tier One Leverage Ratios For All Arkansas Commercial Banks ................................................................................................................ 26 National Banks Headquartered in Arkansas ............................................................................................ 29 Report of State Chartered Commercial Banks ......................................................................................... 31 Report of State Chartered Non-Profit Organization.................................................................................. 73 Report of State Chartered Trust Company............................................................................................... 75 Report of Regional/County Industrial Development Corporation ............................................................. 77 All Commercial Banks Listed by County .................................................................................................. 79 Map of Arkansas Counties ....................................................................................................................... 84 Arkansas Bank Holding Companies ......................................................................................................... 85 Abbreviations .......................................................................................................................................... 112 2 Arkansas State Bank Department LEGAL HOLIDAYS New Year’s Day...............................................................................................January 1st Dr. Martin Luther King Jr.’s Birthday........................................ Third Monday in January George Washington’s Birthday and Daisy Gatson Bates Day ................................................ Third Monday in February Memorial Day ................................................................................. Last Monday in May Independence Day ............................................................................................... July 4th Labor Day ............................................................................. First Monday in September Veterans Day ............................................................................................ November 11th Thanksgiving Day ............................................................ Fourth Thursday in November Christmas Eve ......................................................................................... December 24th Christmas Day ......................................................................................... December 25th All Bills of Exchange, Drafts, or Promissory Notes which shall become payable on a legal holiday shall be payable on the day next succeeding such holiday. In case any legal holiday falls on Sunday, the next succeeding Monday shall be a holiday in its stead. One Hundred and Seventh 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 October 1, 2020 22. Susannah T. Marshall ................. October 1, 2020 ………………… 4 Arkansas State Bank Department STATE BANKING BOARD MEMBERS Mr. D. Scott Miller Chairman Anstaff Bank P. O. Box 1818 Harrison, AR 72602 VOICE: (870) 365-3115 TERM EXPIRES: 12/31/2023 Mr. Todd Smith Vice Chairman Farmers Bank and Trust Company 217 East Union Street Magnolia, AR 71753 VOICE: (870) 235-7040 FAX: (870) 235-7008 TERM EXPIRES: 12/31/2024 Mr. George French 4 Vereda Lane Hot Springs Village, AR 71909 VOICE: (501) 915-0569 TERM EXPIRES: 12/31/2023 Mr. David Leach 1911 Fairway Street Stuttgart, AR 72160 VOICE: (870) 830-4502 TERM EXPIRES: 12/31/2021 Mr. Russell Meeks III P. O. Box 34193 Little Rock, AR 72203 VOICE: (501) 918-7354 FAX: (501) 372-5277 TERM EXPIRES: 12/31/2023 Mr. Randy Scott Farmers Bank And Trust Company P. O. Box 688 Blytheville, AR 72315-0688 VOICE: (870) 763-8101 FAX: (870) 763-3500 TERM EXPIRES: 12/31/2025 One Hundred and Seventh Report Arkansas State Bank Department 1 Commerce Way, Suite 401 Little Rock, Arkansas 72202 VOICE: (501) 324-9019 FAX: (501) 324-9028 https://banking.arkansas.gov/ DEPARTMENTAL ROSTER Susannah T. Marshall - Bank Commissioner John W. Ahlen IV - Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination Application Information Dharmin H. Patel - Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination EXAMINATION AND SUPERVISION Assistant Deputy Bank Commissioners Baker L. Moseley Bob M. Henry Gary W. Bush Raychel M. Pendergist Regulatory Examinations/Regulatory and Banking Procedures Bank Performance Evaluation and Monitoring Personnel Recruitment and Management EXAMINATION PERSONNEL LITTLE ROCK OFFICE Daniel E. Sims - Examinations Manager Matthew A. Rose - Certified Bank Senior Examiner Jim E. Homan - Certified Bank Senior Examiner Scott M. Lambert - Certified Bank Senior Examiner Wesley H. Mathis - Commissioned Bank Senior Examiner Joel T. Futrell - Bank Senior Examiner Ricky T. Puloma - Bank Senior Examiner Jace T. Denker - Bank Examiner Trainee Jacob B. Spradlin - Bank Examiner 5 6 Arkansas State Bank Department LITTLE ROCK OFFICE J.D. Sonnier - Bank Senior Examiner Luke B. Webre - Certified Bank Senior Examiner Jerry C. Corrothers - Certified Bank Senior Examiner Kelly M. Shewmaker - Certified Bank Senior Examiner Thomas L. Cook - Certified Bank Senior Examiner Derek G. Harvey - Bank Senior Examiner Aaron C. Lockwood - Bank Assistant Examiner Dallas E. Gipson - Bank Assistant Examiner NORTHWEST ARKANSAS OFFICE 777 Mathias Drive, Suite A Springdale, Arkansas 72762-0739 VOICE: (479) 751-5543 FAX: (479) 751-5815 NWArkansas@banking.state.ar.us Ken H. Leavell - Certified Examinations Manager Chris K. Davis - Certified Bank Senior Examiner Chris A. Dillon - Certified Bank Senior Examiner Jordan A. Patterson - Certified Bank Senior Examiner R.D. Jackson - Certified Bank Senior Examiner Andrew D. McCormick - Certified Bank Senior Examiner Adam W. Chase - Commissioned Bank Senior Examiner Wynne M. Morgan - Commissioned Bank Senior Examiner Caleb M. Hamilton - Bank Senior Examiner NORTHEAST ARKANSAS OFFICE 1817 Woodsprings Road Jonesboro, Arkansas 72401-9371 VOICE: (870) 972-1744 FAX: (870) 972-1762 Jonesboro@banking.state.ar.us John K. Householder - Certified Examinations Manager William R. Milum - Bank Senior Examiner Shaun G. Perkins - Certified Bank Senior Examiner W. Kent Darr - Certified Bank Senior Examiner W. Nathan Elliott - Certified Bank Senior Examiner Seth D. Parsley - Bank Senior Examiner Peyton L. Tillman - Bank Assistant Examiner Kendal B. Williams - Bank Assistant Examiner Abigale G. Thompson - Bank Examiner Trainee LARGE BANK SUPERVISION Mark G. Rye - Certified Bank Senior Examiner J.B. Maus IV - Bank Senior Examiner One Hundred and Seventh Report TRUST Stacey D. Leder - Certified Examinations Manager Kelly R. Davis - Bank Senior Examiner M. Lance Black - Bank Senior Examiner INFORMATION SYSTEMS Jeffrey A. Cameron - Certified Examinations Manager Donna J. Dodge - Certified Bank Senior Examiner Darren G. Barry - Commissioned Bank Senior Examiner Ashish V. Patel - Bank Senior Examiner Elliott R. Hartle - Bank Senior Examiner BANK ANALYSIS AND APPLICATIONS John W. Ashby - Certified Examinations Manager M. Gregg Qualls - Certified Bank Senior Examiner Kevin C. Mosley - Certified Bank Senior Examiner Self-Examinations Bank Reports of Condition and Income Bank Holding Company Reports Research and Financial Analysis Public Information Requests Application Analysis Consumer Complaints TRAINING Richard D. Buzbee - Certified Examinations Manager/Training Coordinator Jacklyn G. Powell - Certified Bank Senior Examiner/Scheduling Coordinator B. Chance Brown - Research Project Analyst LEGAL DIVISION Eric D. Roberts - Bank Chief Counsel Rules and Regulations Legal Filings and Inquiries Consumer Complaints 7 8 Arkansas State Bank Department INFORMATION TECHNOLOGY Frank A. Fields - Bank IT Administrator Mitch L. Vire - Systems Specialist Greg F. Langley - Systems Specialist Research and Development Application Programming Data Processing Support ADMINISTRATION DIVISION Jessica J. Wallace - Agency Fiscal Officer Vicki A. Wise - Payroll Services Coordinator Devan E. May - Procurement Coordinator Accounting and Employee Services Budget/Personnel/Payroll Performance Compensation Expense Disbursements Purchasing Cynthia L. Nixon - Executive Assistant to the Commissioner Antwanette Pettigrew-House - Research Project Analyst Lisa F. Smith - Research Project Analyst Melinda F. Jones - Administrative Analyst Barbara A. Robinson - Administrative Analyst Rachel L. Vire - Administrative Specialist III Administrative Support Examination Support and Processing Rules and Regulations Manual Distribution Inquiries Charter Amendments and Charter Information Certificates of Good Standing Data Entry One Hundred and Seventh Report MERGERS OF STATE CHARTERED BANKS FROM JULY 1, 2020 TO JUNE 30, 2021 NAME / LOCATION NAME / LOCATION Arkansas County Bank DeWitt, Arkansas Southern Bancorp Bank Arkadelphia, Arkansas Bank of Gravette Gravette, Arkansas Legacy National Bank Springdale, Arkansas CHARTER RELOCATIONS FROM JULY 1, 2020 TO JUNE 30, 2021 NAME / LOCATION NEW NAME / LOCATION Premier Bank of Arkansas Marion, Arkansas Premier Bank of Arkansas Jonesboro, Arkansas The above institution’s charter relocation was effective October 15, 2020. CORPORATE NAME CHANGES FROM JULY 1, 2020 TO JUNE 30, 2021 NAME / LOCATION NEW NAME / LOCATION Cornerstone Bank Eureka Springs, Arkansas CS Bank Eureka Springs, Arkansas The above institution’s name change was effective November 8, 2020. 9 Arkansas State Bank Department 10 BRANCHES APPROVED FROM JULY 1, 2020 TO JUNE 30, 2021 BANK LOCATION Southern Bancorp Bank Arkadelphia, Arkansas 3002 Hardy Street, Suite 101 Hattiesburg, Mississippi First Community Bank Batesville, Arkansas 766 Harkrider Street Conway, Arkansas First Community Bank Batesville, Arkansas 17820 Chenal Parkway Little Rock, Arkansas Merchants & Farmers Bank Dumas, Arkansas 300 North Main Street Benton, Arkansas CS Bank Eureka Springs, Arkansas 18565 State Highway 37 Cassville, Missouri Armor Bank Forrest City, Arkansas 3948 Central Avenue, Suite D Hot Springs, Arkansas Armor Bank Forrest City, Arkansas 4538 Central Avenue Hot Springs, Arkansas Partners Bank Helena, Arkansas 3632 Johnson Mill Blvd., Suite 107 Springdale, Arkansas Encore Bank Little Rock, Arkansas 3720 South Weller Ave., Suite 500 Springfield, Missouri Encore Bank Little Rock, Arkansas 301 West Avenue, Suite 120 Austin, Texas Encore Bank Little Rock, Arkansas 5960 Berkshire Lane, Suite 1100 Dallas, Texas Encore Bank Little Rock, Arkansas 4217 Camp Bowie Blvd., Suite 100 Fort Worth, Texas Farmers Bank and Trust Company Magnolia, Arkansas 3345 Highway 5 North Bryant, Arkansas Farmers Bank and Trust Company Magnolia, Arkansas 1375 NE Loop 286 Paris, Texas One Hundred and Seventh Report 11 BANK LOCATION Simmons Bank Pine Bluff, Arkansas 208 East Taliaferro Street Madill, Oklahoma Simmons Bank Pine Bluff, Arkansas 1222 Demonbreun Street, Suite 105 Nashville, Tennessee Simmons Bank Pine Bluff, Arkansas 8319 Preston Road Dallas, Texas First Security Bank Searcy, Arkansas 7613 Rogers Avenue Fort Smith, Arkansas The Farmers and Merchants Bank Stuttgart, Arkansas 3100 Southwest Drive Jonesboro, Arkansas Arkansas State Bank Department 12 STATE CHARTERED BANKS SUBCHAPTER S CORPORATIONS BANK CITY FNBC Bank Ash Flat Bank of Bearden Bearden Farmers Bank And Trust Company Blytheville Community State Bank Bradley Bank of Cave City Cave City Bank of Delight Delight First State Bank of DeQueen DeQueen First Financial Bank El Dorado CS Bank Eureka Springs FBT Bank & Mortgage Fordyce Anstaff Bank Green Forest Today's Bank Huntsville First Arkansas Bank & Trust Jacksonville The Peoples Bank Magnolia McGehee Bank McGehee The Union Bank of Mena Mena Commercial Bank & Trust Company Monticello Union Bank And Trust Company Monticello Diamond Bank Murfreesboro Piggott State Bank Piggott Gateway Bank Rison Bank of Salem Salem Riverside Bank Sparkman United Bank Springdale Connect Bank Star City One Hundred and Seventh Report BANK CITY Security Bank Stephens First State Bank of Warren Warren Warren Bank and Trust Company Warren Fidelity Bank West Memphis 13 14 Arkansas State Bank Department The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 2020, through June 30, 2021. RECEIPTS Cash Balance July 1, 2020…………………………………… 21,742,120.79 Examination and Assessment Fees.................. 12,688,744.52 Charter and Amendment Fees................................. 44,450.00 Interstate Sharing Fees ..................................................... 0.00 Miscellaneous/Non-Revenue Income ........................... 256.98 Reimbursement for M & R Sales ............................... 6,846.75 Refund to Expenditures − Prior Year ......................... 1,513.01 Refund to Expenditures − Current Year ............................ 0.01 Total Receipts 12,741,811.26 $34,483,932.05 DISBURSEMENTS Salaries ................................................................... 5,979,084.53 Extra Help Salaries ...................................................... 12,753.58 Social Security, Retirement and Insurance Matching .............................................................. 1,743,483.75 Maintenance and General Operations ....................... 870,841.70 Conference Fees and Travel ....................................... 56,120.12 Professional Fees and Services .................................. 34,206.76 Capital Outlay ............................................................ 129,600.86 Refunds Issued ..................................................................... 0.00 Service Charge by State Treasurer ........................... 197,321.27 Total Disbursements 9,023,412.57 Cash Balance June 30, 2021 25,460,519.48 $34,483,932.05 One Hundred and Seventh Report FEDERAL DEPOSIT INSURANCE CORPORATION Dallas Regional Office 1601 Bryan Street Dallas, Texas 75201 VOICE: (214) 754-0098 FAX: (972) 761-2080 https://www.fdic.gov Kristie K. Elmquist ....................................... Regional Director/Risk Management Serena Owens................................ Deputy Regional Director/Risk Management Julie Banfield ............................. Deputy Regional Director/Consumer Protection Cindy Scott .................................. Assistant Regional Director/Risk Management Tim Ayala ..................................... Assistant Regional Director/Risk Management Mark Taylor.................................. Assistant Regional Director/Risk Management Mark Love .................................... Assistant Regional Director/Risk Management Joe Meade ................................... Assistant Regional Director/Risk Management Anthony Clark .............................. Assistant Regional Director/Risk Management Art Kahn ................................................. Assistant Regional Director/Compliance Chris Finnegan ...................................... Assistant Regional Director/Compliance Stephen Zachary ......................... Regional Counsel/Supervision and Legislation Little Rock Field Office Financial Centre III Building 900 South Shackleford Road, Suite 500 Little Rock, Arkansas 72211 VOICE: (501) 228-6346 FAX: (501) 228-6568 Jennifer Lucas ............................................... Field Supervisor/Risk Management David Wright ............................................................ Field Supervisor/Compliance Shreveport Field Office Southpointe Center 3007 Knight Street, Suite 300 Shreveport, Louisiana 71105-2525 VOICE: (318) 868-6661 FAX: (318) 868-7870 Kris Ferguson ................................................ Field Supervisor/Risk Management Jenipher Smith ........................................................ Field Supervisor/Compliance 15 16 Arkansas State Bank Department FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 411 Locust Street P. O. Box 442 St. Louis, Missouri 63166 VOICE: (314) 444-8444 FAX: (314) 444-8740 https://www.stlouisfed.org James B. Bullard .......................................................................................... President Kathleen O. Paese ....................................................................... First Vice President James Price .............................................................................. Senior Vice President Administration & Payments Cassie Blackwell ...................................................................... Senior Vice President Treasury Relations & Support Office Carl D. White II ......................................................................... Senior Vice President Banking Supervision, Credit and Learning Division Carlos Garriga .......................................................................... Senior Vice President Director of Research Karen L. Branding .................................................................... Senior Vice President Public and Community Affairs David Wheelock ...................................................................... Senior Vice President & Deputy Director of Research François G. Henriquez II .......................................................... Senior Vice President General Counsel & Corporate Secretary Terry Kirchhofer ........................................................................ Senior Vice President Audit Allen North ............................................................................................ Vice President Community Bank Safety & Soundness Jim Warren ........................................................................................... Vice President Regional Bank Safety & Soundness Vacant................................................................................................... Vice President People & Culture Hector Just .......................................................................................... Vice President Support Services Timothy C. Brown .................................................................................Vice President Cash Management/Administration Scott M. Trilling ..................................................................................... Vice President Financial Management Jim Fuchs .............................................................................................Vice President Risk Management, Statistics, Credit & Payment Applications One Hundred and Seventh Report FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 (Continued) Little Rock Branch 111 Center Street Suite 1000 (10th Floor) Little Rock, Arkansas 72201 VOICE: (501) 324-8300 FAX: (501) 324-8201 Robert A. Hopkins .................................................................Senior Branch Executive Memphis Branch 200 North Main Street P. O. Box 407 Memphis, Tennessee 38101-0407 VOICE: (901) 523-7171 FAX: (901) 579-2406 Douglas Scarboro .................................................................Senior Branch Executive Louisville Branch 101 South 5th Street, Suite 1920 Louisville, Kentucky 40202 VOICE: (502) 568-9200 FAX: (502) 568-9247 Nikki R. Jackson ....................................................................Senior Branch Executive 17 18 Arkansas State Bank Department COMPTROLLER OF THE CURRENCY Southern District Office 500 North Akard St., Suite 1600 Dallas, Texas 75201-3323 VOICE: (214) 720-0656 FAX: (214) 720-7000 https://www.occ.treas.gov Troy L. Thornton ........................................................................ Deputy Comptroller Brett Bouchar .......................................................... Associate Deputy Comptroller Terence Mack ........................................................... Associate Deputy Comptroller Gerald Williams ...............................................................Risk & Operations Officer Randall M. Ryskamp ........................................................................District Counsel Carolina Ledesma ...................................................................... Licensing Manager Little Rock Field Office 1401 West Capitol Avenue, Suite 350 Little Rock, Arkansas 72201-2915VOICE: (501) 707-6400 FAX: (501) 225-2711 Matthew Vick ............................................................. Assistant Deputy Comptroller Oklahoma City Field Office 301 Northwest 63rd Street, Suite 490 Oklahoma City, Oklahoma 73116-7909 VOICE: (405) 529-5701 FAX: (405) 848-8085 Brian Wall .................................................................. Assistant Deputy Comptroller Tulsa Field Office 8282 South Memorial Drive, Suite 300 Tulsa, Oklahoma 74133-4346 VOICE: (918) 505-4500 FAX: (918) 459-0446 Scott Williams ............................................................ Assistant Deputy Comptroller One Hundred and Seventh Report CONSUMER FINANCIAL PROTECTION BUREAU 1700 G Street N.W. Washington, D.C. 20552 VOICE: (202) 435-7000 Fax: (202) 435-7329 https://www.consumerfinance.gov Dave Uejio ............................................................................................. Acting Director Vacant...................................................................................................Deputy Director Vacant....................................................................................................... Chief of Staff Jocelyn Sutton ............................................................................. Deputy Chief of Staff Cassandra McConnell-Tatum ........................ Office of Equal Opportunity & Fairness Associate Director Wendy Kamenshine ................................................................................. Ombudsman Robert Cameron ................................................Private Education Loan Ombudsman Donna Roy................................................................................................... Operations Chief Operating Officer Delicia Hand .................................................. Consumer Education & External Affairs Associate Director Bryan Schneider .........................................Supervision, Enforcement & Fair Lending Associate Director Janis Pappalardo ................................................... Research, Markets & Regulations Associate Director Stephen Van Meter .............................................................................................. Legal General Counsel 19 20 Arkansas State Bank Department ARKANSAS BANKERS ASSOCIATION 1220 West Third Street Little Rock, Arkansas 72201 VOICE: (501) 376-3741 FAX: (501) 376-9243 https://www.arkbankers.org Lorrie Trogden ............................................................................... President & CEO Jim Cargill .................................................................................................. Chairman President & CEO - Central, Northeast and Southwest Arkansas Arvest Bank, Fayetteville Randy Scott ...................................................................................... Chairman-Elect Chairman, President & CEO Farmers Bank And Trust Company, Blytheville Jim Taylor .......................................................................................... Vice Chairman Senior Vice President First Security Bank, Searcy Lori Ross.................................................................................................... Treasurer City President - Arkadelphia The Citizens Bank, Batesville Jon Harrell ......................................................................................... Past Chairman Chairman & CEO Generations Bank, Rogers EMERGING LEADERS SECTION Brandon Gentry .......................................................................................... President Vice President, Lending Cross County Bank, Wynne Derek Eckelhoff ..................................................................................Vice President Vice President, Commercial Lending - Rogers First Security Bank, Searcy Duncan Bellingrath ................................................................... Secretary/Treasurer Community Banker Simmons Bank, Pine Bluff One Hundred and Seventh Report ARKANSAS COMMUNITY BANKERS ASSOCIATION 3801 Woodland Heights Road, Suite 125-G Little Rock, Arkansas 72212-2456 VOICE: (501) 246-4975 FAX: (501) 821-0377 E−Mail: info@arcommunitybankers.com https://www.arcommunitybankers.com Chris Padgett .................................................................................. Executive Director Gary Oltmann .............................................................................................. President Market President - Stuttgart Southern Bancorp Bank, Arkadelphia Gary Head ........................................................................................... Vice President Chairman, President & CEO Signature Bank, Fayetteville Lee Swearingen .......................................................................................... Treasurer SVP & Cashier Bank of Little Rock, Little Rock John Beller ................................................................................................... Secretary President & CEO Bank of Cave City, Cave City Jim Gowen, Jr. .................................................................................... Past President President & CEO Merchants & Planters Bank, Newport 21 22 Arkansas State Bank Department CONFERENCE OF STATE BANK SUPERVISORS 1129 20th Street, NW, 9th Floor Washington, DC 20036 VOICE: (202) 296-2840 FAX: (202) 296-1928 https://www.csbs.org John Ryan ........................................................................................President & CEO John “Buz” Gorman ................ Executive Vice President, Office of General Counsel Tom Harlow .................................... Executive Vice President, Products & Solutions Jim Cooper....... ............................... Executive Vice President, Policy & Supervision Kelly Haire ............................................................. Executive Vice President, People Margaret Liu ................................. Executive Vice President, Strategic Engagement Ngoc Vu ...................................... Executive Vice President, Information Technology Chuck Cross ..................................... Senior Vice President, Non-Bank Supervision & Enforcement Tim Doyle .... Senior Vice President, Business Services & Executive Director, SRR Karen Lawson ........................................... Senior Vice President, Regulatory Policy Vickie Peck ............................................. Senior Vice President, Product Operations Mary Beth Quist......................................... Senior Vice President, Bank Supervision Laura Fisher ........................................................... Vice President, Communications Sebastien Monnet ..................................... Vice President, Learning & Development Matt Comber ................................................................. Senior Director, Accreditation One Hundred and Seventh Report CONSOLIDATED REPORT OF CONDITION DATA 73 STATE CHARTERED COMMERCIAL BANKS (in millions) JUNE 30, 2021 ASSETS Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin .................................... $1,464 b. Interest-bearing balances ............................................................................... 12,029 Securities: a. Held to maturity ................................................................................................. 1,403 b. Available-for sale ............................................................................................. 29,727 c. Equity securities with readily determinable fair values .......................................... 22 Federal funds sold and securities purchased under agreements to resell...................................................... 643 Net Loans and Leases .................................................................................................... 76,784 Trading assets........................................................................................................................ 41 Premises and fixed assets ................................................................................................ 2,612 Other real estate owned ........................................................................................................ 83 Goodwill and other intangibles.......................................................................................... 4,007 All other assets.................................................................................................................. 3,616 Total assets ................................................................................................................. $132,431 LIABILITIES Deposits: a. In domestic offices ...................................................................................... $108,031 (1) Noninterest-bearing ..................................................................24,376 (2) Interest-bearing.........................................................................83,655 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 ................................................... 1,081 Trading liabilities ...................................................................................................................... 8 Other borrowed money .................................................................................................... 4,121 Subordinated notes and debentures ................................................................................... 345 All other liabilities .............................................................................................................. 1,215 Total liabilities................................................................................................................ 114,801 EQUITY CAPITAL Minority interests in consolidated subsidiaries ........................................................................ 4 Perpetual preferred stock ........................................................................................................ 2 Common stock ....................................................................................................................... 17 Surplus .............................................................................................................................. 9,455 Undivided profits ............................................................................................................... 8,152 Total equity capital ......................................................................................................... 17,630 Total liabilities, minority interest and equity capital ................................................... $132,431 23 Arkansas State Bank Department 24 CONSOLIDATED STATEMENT OF CONDITION OF THE 45 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 2021 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 .................................................................. $26 b. Other Institutions .................................................................................................. 0 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions .................................................................. 445 b. Other Institutions ........................................................................................... 5,898 U.S. Government and Agency Obligations ............................................................. 1,659 State, County and Municipal Obligations ................................................................ 1,111 Other Short-Term Obligations ........................................................................................ 3 Other Notes and Bonds .............................................................................................. 641 Money Market Funds ............................................................................................... 1,677 Other Mutual Funds ................................................................................................. 3,095 Stocks ...................................................................................................................... 5,507 Collective Investment Fund Units ............................................................................... 840 Real Estate Mortgages ................................................................................................ .82 Real Estate ................................................................................................................. 618 Miscellaneous Assets .............................................................................................. 1,840 Other .......................................................................................................................... 851 Total ................................................................................................................... $24,293 LIABILITIES Personal Accounts: 16. Personal Trusts ......................................................................................................$5,062 17. Estates & Guardianships .............................................................................................. 56 18. Investment Management & Advisory.......................................................................3,149 19. Custodial………….. .................................................................................................8,410 20. Agencies………….. .................................................................................................1,088 Employee Benefit Accounts: 21. Trusts ....................................................................................................................... 2,187 22. Agencies ..................................................................................................................... 394 23. Custodial .................................................................................................................. 1,542 Corporate and Municipal Securities Appointments: 24. Bond Trusteeships ................................................................................................... 1,358 25. Agencies ..................................................................................................................... 287 Collective Investment Funds: 26. Personal ...................................................................................................................... 723 27. Employee Benefit.......................................................................................................... 36 Internal Accounts: 28. Profit Accounts ................................................................................................................ 0 29. Suspense Accounts ........................................................................................................ 1 30. Total………………………………………… .......... …………………………………$24,293 One Hundred and Seventh Report CONSOLIDATED REPORT OF CONDITION DATA 10 NATIONAL BANKS (in millions) JUNE 30, 2021 ASSETS Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ....................................... $158 b. Interest-bearing balances .................................................................................... 692 Securities: a. Held-to-maturity .................................................................................................... 130 b. Available-for-sale.................................................................................................. 856 c. Equity securities with readily determinable fair values .......................................... 90 Federal funds sold and securities purchased under agreements to resell...................................................... 126 Net loans and leases ........................................................................................................ 5,225 Trading assets.......................................................................................................................... 0 Premises and fixed assets ................................................................................................... 201 Other real estate owned .......................................................................................................... 1 Goodwill and other intangibles............................................................................................... 48 All other assets..................................................................................................................... 234 Total assets ..................................................................................................................... $7,761 LIABILITIES Deposits: a. In domestic offices .......................................................................................... $6,664 (1) Noninterest-bearing ....................................................................1,763 (2) Interest-bearing...........................................................................4,901 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs .............................................................................................. 0 (1) Noninterest-bearing ........................................................................... 0 (2) Interest-bearing.................................................................................. 0 Federal funds purchased and securities sold under agreements to repurchase .......................................................... 0 Trading liabilities ...................................................................................................................... 0 Other borrowed money…. .................................................................................................. .207 Subordinated notes and debentures ....................................................................................... 0 All other liabilities ................................................................................................................... 39 Total liabilities.................................................................................................................... 6,910 EQUITY CAPITAL Minority interests in consolidated subsidiaries ........................................................................ 0 Perpetual preferred stock ........................................................................................................ 0 Common stock ......................................................................................................................... 6 Surplus ................................................................................................................................. 305 Undivided profits .................................................................................................................. 540 Total equity capital ............................................................................................................... 851 Total liabilities, minority interest and equity capital ....................................................... $7,761 25 Arkansas State Bank Department 26 TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2021 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 Chambers Bank Bank of Delight First State Bank of DeQueen Merchants & Farmers Bank First Financial Bank Bank of England CS Bank Arvest Bank Signature Bank of Arkansas FBT Bank & Mortgage Armor Bank First National Bank of Eastern Arkansas The First National Bank of Fort Smith Anstaff Bank First Service Bank Farmers Bank Partners Bank Horatio State Bank Today’s Bank First Arkansas Bank & Trust Premier Bank of Arkansas Arkadelphia Ash Flat Augusta Batesville Batesville Bearden Berryville Blytheville Booneville Bradley Calico Rock Cave City Clarendon Conway Danville Delight DeQueen Dumas El Dorado England Eureka Springs Fayetteville Fayetteville Fordyce Forrest City Forrest City Fort Smith Green Forest Greenbrier Greenwood Helena Horatio Huntsville Jacksonville Jonesboro RATIO 8.72 10.08 9.45 8.75 8.91 6.91 9.51 9.35 8.98 10.06 31.11 8.50 12.05 11.22 9.53 12.30 9.19 9.80 10.37 16.49 9.23 8.18 10.65 10.75 8.94 8.97 8.89 8.36 11.35 15.46 9.03 12.47 9.02 9.49 13.61 One Hundred and Seventh Report BANK CITY Bank of Lake Village Bank of Little Rock Bank OZK Central Bank Eagle Bank & Trust Company Encore Bank First State Bank Farmers Bank and Trust Company The Peoples Bank The Malvern National Bank First NaturalState Bank McGehee Bank The Union Bank of Mena Commercial Bank & Trust Company Union Bank And Trust Company Petit Jean State Bank Stone Bank Diamond Bank Merchants & Planters Bank First National Bank The First National Bank at Paris Piggott State Bank Relyance Bank, National Association Simmons Bank RiverBank Home Bank of Arkansas Gateway Bank Generations Bank First State Bank Bank of Salem Logan County Bank First Security Bank Peoples Bank Smackover State Bank Riverside Bank Legacy National Bank United Bank Bodcaw Bank Connect Bank Security Bank The Farmers and Merchants Bank Lake Village Little Rock Little Rock Little Rock Little Rock Little Rock Lonoke Magnolia Magnolia Malvern McGehee McGehee Mena Monticello Monticello Morrilton Mountain View Murfreesboro Newport Paragould Paris Piggott Pine Bluff Pine Bluff Pocahontas Portland Rison Rogers Russellville Salem Scranton Searcy Sheridan Smackover Sparkman Springdale Springdale Stamps Star City Stephens Stuttgart 27 RATIO 12.28 9.59 14.49 8.38 14.03 11.70 9.84 9.40 10.58 9.15 9.45 12.10 9.49 9.38 9.28 14.21 10.53 9.90 8.99 11.12 10.60 8.13 11.33 9.43 13.23 9.90 11.19 10.23 9.24 10.49 19.25 14.90 14.44 12.57 8.88 8.50 10.05 11.67 14.76 10.51 9.60 Arkansas State Bank Department 28 BANK CITY Citizens Bank & Trust Company The First National Bank of Lawrence County First State Bank of Warren Warren Bank and Trust Company Evolve Bank & Trust Fidelity Bank Cross County Bank Van Buren Walnut Ridge Warren Warren West Memphis West Memphis Wynne RATIO 11.43 9.45 9.65 16.19 10.08 10.25 11.79 One Hundred and Seventh Report 29 NATIONAL BANKS HEADQUARTERED IN ARKANSAS JUNE 30, 2021 (000’s omitted) BANK CITY First National Bank of North Arkansas The First National Bank of Izard County First National Bank of Eastern Arkansas The First National Bank of Fort Smith The Malvern National Bank First National Bank The First National Bank at Paris Relyance Bank, National Association Legacy National Bank The First National Bank of Lawrence County Berryville Calico Rock Forrest City Fort Smith Malvern Paragould Paris Pine Bluff Springdale Walnut Ridge ASSETS 261,421 198,984 541,690 1,792,485 625,167 1,860,089 230,741 1,102,169 875,945 272,660 REPORT OF THE SEVENTY-THREE STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2021 (000’s omitted) 32 Arkansas State Bank Department Southern Bancorp Bank Arkadelphia, AR VOICE: (870) 246-5811 FAX: (870) 246-5284 Trust Powers: Yes 601 Main Street 71923 Charter Number: 142 Date: September 28, 1903 FDIC Certificate Number: 1528 Home Page: www.banksouthern.com Member of Federal Reserve System Bank Holding Company Southern Bancorp Inc., Arkadelphia, AR Chm: Sherman E. Tate CFO: Christopher Wewers CEO/Pres: John Olaimey TO: Gena Jennings Cash and Due from:.................................. 119,992 Federal Funds and Repos: .................................. 0 Investments: ............................................. 414,522 Net Loans: ............................................. 1,279,459 Premises and Fixed Assets:........................ 38,812 Other Real Estate: ........................................ 3,948 Other Assets: ............................................ 106,839 Total Assets: .......................................... 1,963,572 Total Trust Assets: ...................................... 46,676 Deposits: ............................................... 1,639,835 Federal Funds and Borrowings: ................ 109,751 Other Liabilities: .......................................... 11,067 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,760,653 Total Equity Capital: .................................. 202,919 Total Liabilities and Capital: ................... 1,963,572 Number of Shares Outstanding: .................. 24,000 Directors: Hugh Arant, Jr.; Jerry Damerow; Kim Evans; James "Jim" Franks; Donna Gambrell; Glendell Jones, Jr.; Mike Montgomery; Walter Morris, Jr.; John Olaimey; Susie Smith; Darryl Swinton; Sherman E. Tate; Darrin Williams Branches in Town: One Other Branches: Barton, Bismarck, Blytheville (4), Clarksdale[MS], DeWitt, Drew[MS], El Dorado (2), Elaine, Eudora, Friars Point[MS], Glenwood, Gosnell, Greenville[MS] (2), Gurdon, Hamburg, Hattiesburg[MS], Helena-West Helena (3), Hernando[MS], Hot Springs (3), Indianola[MS], Lambert[MS], Leland[MS], Lockesburg, Lula[MS], Madison[MS], Malvern, Manila, Marvell, Mound Bayou[MS], Mount Ida, Picayune[MS], Ruleville[MS], Shelby[MS], Sledge[MS], Stuttgart, Trumann, Webb[MS] One Hundred and Seventh Report 33 FNBC Bank Ash Flat, AR VOICE: (870) 994-2311 FAX: (870) 257-1889 Trust Powers: No 636 Ash Flat Drive 72513 Charter Number: 793 Date: January 16, 2014 FDIC Certificate Number: 1294 Home Page: www.fnbc.us Member of Federal Reserve System Bank Holding Company FNBC Bancorp, Inc., Ash Flat, AR CEO/Pres: Marty Sellars EVP/CFO: Michael Burris Reg Pres/CLO: Chad Hudson EVP: Dana Batterton Cash and Due from: .................................... 13,651 Federal Funds and Repos: ...............................625 Investments: .............................................. 171,455 Net Loans:................................................. 393,073 Premises and Fixed Assets: ........................ 16,943 Other Real Estate: ............................................581 Other Assets: .............................................. 14,053 Total Assets: ............................................. 610,381 Total Trust Assets: .............................................. 0 Deposits: ................................................... 510,827 Federal Funds and Borrowings: ...................30,000 Other Liabilities:.............................................7,471 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 548,298 Total Equity Capital: ....................................62,083 Total Liabilities and Capital: ....................... 610,381 Number of Shares Outstanding: ................ 100,000 Directors: Martin Carpenter; Borum Cooper; Rhonda Moody; Norma Orr; Jeffrey A. Rigsby; Marty Sellars Branches in Town: None Other Branches: Batesville, Cherokee Village, Hardy, Highland, Horseshoe Bend, Jonesboro, Mammoth Spring, Melbourne, Mountain Home, Salem RiverWind Bank Augusta, AR VOICE: (870) 347-2511 FAX: (870) 347-2654 Trust Powers: Yes 100 South Second Street 72006 Charter Number: 669 Date: February 20, 1935 FDIC Certificate Number: 15035 Home Page: www.riverwind.bank Bank Holding Company None Chm: Charles P. Eldridge Pres: Casey Cullipher CEO: William D. "Bill" Patton SVP: Victoria Cansler Cash and Due from: ...................................... 3,585 Federal Funds and Repos: ............................ 2,120 Investments: ................................................ 37,134 Net Loans:................................................... 73,223 Premises and Fixed Assets: .......................... 2,055 Other Real Estate: ............................................... 0 Other Assets: ................................................ 4,521 Total Assets: ............................................. 122,638 Total Trust Assets: ........................................ 2,275 Deposits: ................................................... 104,857 Federal Funds and Borrowings: .....................3,000 Other Liabilities:.............................................3,004 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 110,861 Total Equity Capital: ....................................11,777 Total Liabilities and Capital: ....................... 122,638 Number of Shares Outstanding: ....................8,000 Directors: Dr. Steven Collier; Winston Collier; Casey Cullipher; W. P. Daniel, Jr.; W. P. Daniel, III; Charles P. Eldridge; Mark Eldridge; Ronald Jones; William D. "Bill" Patton Branches in Town: None Other Branches: Searcy (2) 34 Arkansas State Bank Department First Community Bank Batesville, AR VOICE: (870) 612-3400 FAX: (870) 612-3412 Trust Powers: Yes 1325 Harrison Street 72501 Charter Number: 770 Date: June 20, 1997 FDIC Certificate Number: 34533 Home Page: www.firstcommunity.net Bank Holding Company First Community Bancshares, Inc., Batesville, AR Chm/CEO: Dale E. Cole SVP: Troy Henley Pres/COO: Boris A. Dover SVP/TO: Brandon Brewer Cash and Due from:.................................... 58,316 Federal Funds and Repos: .................................. 0 Investments: ............................................. 252,773 Net Loans: ............................................. 1,486,109 Premises and Fixed Assets:........................ 59,512 Other Real Estate: ........................................ 2,481 Other Assets: .............................................. 35,780 Total Assets: .......................................... 1,894,971 Total Trust Assets: .................................... 182,295 Deposits: ............................................... 1,556,714 Federal Funds and Borrowings: ................ 164,815 Other Liabilities: ............................................ 6,881 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,728,410 Total Equity Capital: .................................. 166,561 Total Liabilities and Capital: ................... 1,894,971 Number of Shares Outstanding: .................. 34,523 Directors: Donald C. Bedell; Dale E. Cole; Boris A. Dover; Preston W. "Chip" Grace, III; Rick Kent; Ray LaCroix; Dianne Lamberth; Dr. Charles McClain; John Sarratt; Frank Tripp; Sheila Wagnon; Keith Webb Branches in Town: Three Other Branches: Bald Knob, Bay, Cabot (2), Cave City, Cherokee Village, Conway, Goodman[MO], Harrison, Jonesboro (3), Lepanto, Little Rock (2), Mountain Home, Neosho[MO] (2), Newport, Pineville[MO], Searcy (3) The Citizens Bank Batesville, AR VOICE: (870) 793-4441 FAX: (870) 698-6299 Trust Powers: Yes 655 St. Louis Street 72501 Charter Number: 705 Date: February 19, 1953 FDIC Certificate Number: 17211 Home Page: www.thecitizensbank.net Member of Federal Reserve System Bank Holding Company Citizens Bancshares of Batesville, Inc., Batesville, AR CEO/Pres: Adam Mitchell EVP/CFO: Karen Shaw Cash and Due from:.................................. 149,189 Federal Funds and Repos: .................................. 0 Investments: ............................................. 108,546 Net Loans: ................................................ 855,177 Premises and Fixed Assets:........................ 40,676 Other Real Estate: ............................................... 0 Other Assets: .............................................. 39,850 Total Assets: .......................................... 1,193,438 Total Trust Assets: .................................... 114,768 Deposits: ............................................... 1,047,454 Federal Funds and Borrowings: .................. 28,426 Other Liabilities: ............................................ 3,519 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,079,399 Total Equity Capital: .................................. 114,039 Total Liabilities and Capital: ................... 1,193,438 Number of Shares Outstanding: .................. 16,500 Directors: Phil Baldwin; Mark Forbis; Russell Harrington; Adam Mitchell; Dr. Lackey G. Moody, M.D.; Jay F. Shell; Kay Southerland; Jeffery F. Teague Branches in Town: Four Other Branches: Arkadelphia, Cave City, Fayetteville (2), Hot Springs (3), Imboden, Little Rock (2), Monticello, Mountain View, Pleasant Plains, Portland, Rogers One Hundred and Seventh 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 Charter Number: 688 Date: June 17, 1945 FDIC Certificate Number: 16282 Home Page: www.bankofbearden.com Bank Holding Company Bearden Bancshares, Inc., Bearden, AR VP: Donnie Castleberry VP/Cash: Susan Lusby Cash and Due from: ...................................... 3,779 Federal Funds and Repos: .......................... 47,925 Investments: ................................................ 16,312 Net Loans:................................................... 23,413 Premises and Fixed Assets: .............................155 Other Real Estate: ............................................... 0 Other Assets: ...................................................151 Total Assets: ............................................... 91,735 Total Trust Assets: .............................................. 0 Deposits: .....................................................85,426 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 27 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................85,453 Total Equity Capital: ......................................6,282 Total Liabilities and Capital: .........................91,735 Number of Shares Outstanding: ....................8,300 Directors: Edwin C. Anthony; John E. Anthony; Steven M. Anthony; Rick Green; Ken Riley; Brett Wood; Betty Word; Steve Wright Branches in Town: None Other Branches: None Farmers Bank And Trust Company Blytheville, AR VOICE: (870) 763-8101 FAX: (870) 763-3500 Trust Powers: Yes 400 West Main 72315 Charter Number: 253 Date: March 16, 1908 FDIC Certificate Number: 1027 Home Page: www.fbtbly.com Member of Federal Reserve System Bank Holding Company Farmers Bancorp, Inc., Blytheville, AR Chm/CEO/Pres: Randy Scott CFO: Shelly Crosskno EVP: Justin Bell Cash and Due from: .................................... 33,986 Federal Funds and Repos: .......................... 25,000 Investments: ................................................ 15,230 Net Loans:................................................. 220,186 Premises and Fixed Assets: .......................... 5,575 Other Real Estate: ..............................................37 Other Assets: ................................................ 6,576 Total Assets: ............................................. 306,590 Total Trust Assets: .............................................. 0 Deposits: ................................................... 276,237 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 993 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 277,230 Total Equity Capital: ....................................29,360 Total Liabilities and Capital: ....................... 306,590 Number of Shares Outstanding: ..................40,000 Directors: Justin Bell; Steve Bell; Paula O. Blackwell; Ronny Goff; Brad Harrison; John Langston; John C. Rose, Jr.; Randy Scott; Tommy W. Wagner, Jr. Branches in Town: Four Other Branches: Manila, Wilson 36 Arkansas State Bank Department First Western Bank Booneville, AR VOICE: (479) 936-2000 FAX: (479) 878-3408 Trust Powers: Yes 80 West Main 72927 Charter Number: 397 Date: April 18, 1910 FDIC Certificate Number: 13083 Home Page: www.fwbank.com Member of Federal Reserve System Bank Holding Company First Western Bancshares, Inc., Booneville, AR Chm/CEO: John T. Hampton Pres/CCO/CLO: Landon Taylor VChm: Steve Gramling Cash and Due from:.................................... 17,384 Federal Funds and Repos: .................................. 0 Investments: ............................................... 46,800 Net Loans: ................................................ 411,551 Premises and Fixed Assets:........................ 13,289 Other Real Estate: ........................................... 388 Other Assets: .............................................. 22,305 Total Assets: ............................................. 511,717 Total Trust Assets: ............................................... 0 Deposits: .................................................. 460,849 Federal Funds and Borrowings: ....................... 450 Other Liabilities: ............................................ 3,647 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 464,946 Total Equity Capital: .................................... 46,771 Total Liabilities and Capital: ...................... 511,717 Number of Shares Outstanding: ................ 100,000 Directors: Dan Brown; Arline Coatney; Thomas C. Conly; Matt Crafton; Steve Gramling; John T. Hampton; Ty Hampton; John Mack; David Remy; Landon Taylor; John Williams; Jane Woolley Branches in Town: One Other Branches: Bella Vista, Bentonville, Caulksville, Fort Smith, Magazine, Rogers (2), Springdale Community State Bank Bradley, AR VOICE: (870) 894-3322 FAX: (870) 894-3324 Trust Powers: No 208 West 4th Street 71826 Charter Number: 653 Date: April 10, 1933 FDIC Certificate Number: 5619 Home Page: www.csbarkansas.com Bank Holding Company None CEO/Pres: Jeff C. Hobbs VP: Shawn McKamie EVP/SLO: Sherri Jones VP/Cash: Regina Smith Cash and Due from:...................................... 3,147 Federal Funds and Repos: .................................. 0 Investments: .................................................... 546 Net Loans: .................................................. 25,374 Premises and Fixed Assets:............................. 492 Other Real Estate: ............................................... 0 Other Assets: ................................................... 512 Total Assets: ............................................... 30,071 Total Trust Assets: ............................................... 0 Deposits: .................................................... 26,619 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 39 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 26,658 Total Equity Capital: ...................................... 3,413 Total Liabilities and Capital: ........................ 30,071 Number of Shares Outstanding: .................. 10,000 Directors: Taylor Chandler; Jeff C. Hobbs; Derick Murway; Aaron Symank Branches in Town: None Other Branches: None One Hundred and Seventh 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 Charter Number: 209 Date: July 2, 1906 FDIC Certificate Number: 105 Home Page: www.bankofcavecity.com Member of Federal Reserve System Bank Holding Company Sharp Bancshares, Inc., Cave City, AR CEO/Pres/TO: John M. Beller EVP/CLO: Gayla Hickman EVP/CFO: Kim Nunnally SVP/Cash: Ronele Smith Cash and Due from: ...................................... 8,838 Federal Funds and Repos: ............................ 9,925 Investments: ................................................ 37,084 Net Loans:................................................... 88,990 Premises and Fixed Assets: .......................... 4,821 Other Real Estate: ............................................296 Other Assets: ................................................ 7,017 Total Assets: ............................................. 156,971 Total Trust Assets: .............................................. 0 Deposits: ................................................... 133,402 Federal Funds and Borrowings: .....................7,651 Other Liabilities:.............................................2,813 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 143,866 Total Equity Capital: ....................................13,105 Total Liabilities and Capital: ....................... 156,971 Number of Shares Outstanding: ....................4,000 Directors: James E. Baxter; John M. Beller; Samuel F. Beller; Dennis Esteb; John H. Pettersen; Bruce Street; Scott Street Branches in Town: None Other Branches: Batesville, Evening Shade, Lynn, Strawberry The Merchants and Planters Bank Clarendon, AR VOICE: (870) 747-3319 FAX: (870) 747-3498 Trust Powers: No 297 Madison Street 72029 Charter Number: 21 Date: July 23, 1890 FDIC Certificate Number: 107 Bank Holding Company Clarendon Holding Co., Clarendon, AR Chm: J. Baxter Sharp, III Pres: J. Kendall Henry Cash and Due from: ...................................... 1,119 Federal Funds and Repos: ............................ 1,600 Investments: ................................................ 26,040 Net Loans:................................................... 13,179 Premises and Fixed Assets: .............................316 Other Real Estate: ..............................................48 Other Assets: ...................................................612 Total Assets: ............................................... 42,914 Total Trust Assets: .............................................. 0 Deposits: .....................................................37,456 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 90 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................37,546 Total Equity Capital: ......................................5,368 Total Liabilities and Capital: .........................42,914 Number of Shares Outstanding: ....................6,000 Directors: James W. Faulkner; Joe Griffith; J. Kendall Henry; Kelly Lawless; E. Davidson Lee; Kirby Meacham, Jr.; J. Baxter Sharp, III Branches in Town: None Other Branches: None 38 Arkansas State Bank Department Centennial Bank Conway, AR VOICE: (501) 328-4663 FAX: (501) 328-4601 Trust Powers: Yes 620 Chestnut Street 72032 Charter Number: 118 Date: May 12, 1903 FDIC Certificate Number: 11241 Home Page: www.my100bank.com Member of Federal Reserve System Bank Holding Company Home BancShares, Inc., Conway, AR Chm/CEO/Pres: Tracy French COO: Stephen Tipton CFO/Treas: Brian Davis TO: Kevin Orr Cash and Due from:............................... 2,934,782 Federal Funds and Repos: .................................. 0 Investments: .......................................... 3,051,463 Net Loans: ............................................. 9,958,723 Premises and Fixed Assets:...................... 278,502 Other Real Estate: ........................................ 1,969 Other Assets: ......................................... 1,366,493 Total Assets: ........................................ 17,591,932 Total Trust Assets: .................................... 758,454 Deposits: ............................................. 14,108,040 Federal Funds and Borrowings: ................ 550,540 Other Liabilities: ........................................ 108,711 Subordinated Debt: .............................................. 0 Total Liabilities: .................................... 14,767,291 Total Equity Capital: ............................... 2,824,641 Total Liabilities and Capital: ................. 17,591,932 Number of Shares Outstanding: .................... 2,400 Directors: Milburn Adams; Robert H. Adcock, Jr.; John Allison; Richard Ashley; Brian Davis; Jack Engelkes; William J. Farris, Jr.; Tracy French; John Freyaldenhoven; Allen V. Hankins; Shane A. Henry; Kevin Hester; Jim Rankin; Dave Seleski; Donna Townsell Branches in Town: Six Other Branches: Apalachicola[FL], Atkins, Batesville (2), Beebe (2), Bentonville, Big Pine Key[FL], Blountstown[FL], Boca Raton[FL], Bristol[FL], Bryant, Cabot (4), Carrabelle[FL], Clarksville, Clearwater[FL], Cooper City[FL], Coral Gables[FL], Coral Springs[FL], Crawfordville[FL], Dade City[FL], Dania Beach[FL], Dardanelle, Davie[FL], Destin[FL], Doral[FL], Eastpoint[FL], Elberta[AL], Englewood[FL], Fairhope[AL], Fayetteville (2), Foley[AL], Fort Smith (3), Ft. Lauderdale[FL] (3), Ft. Myers[FL], Greenbrier, Gulf Shores[AL], Heber Springs, Highland, Hollywood[FL] (2), Islamorada[FL], Jacksonville (2), Jonesboro (6), Jupiter[FL], Key Largo[FL], Key West[FL] (3), Kissimmee[FL], Lake Mary[FL], Lakeland[FL], Little Rock (7), Lutz[FL], Marathon[FL] (2), Marco Island[FL], Mayflower, Mexico Beach[FL], Monette, Morrilton, Mountain Home, Mountain View (2), Naples[FL], Navarre[FL], New York[NY], North Little Rock (6), Orange Beach[AL], Orlando[FL], Panama City[FL] (2), Panama City Beach[FL] (2), Paragould (3), Pensacola[FL] (2), Plant City[FL], Plantation[FL], Pompano Beach[FL], Port Saint Joe[FL], Pottsville, Punta Gorda[FL], Quincy[FL], Quitman, Rector, Rogers, Russellville (3), Saint George Island[FL], Saint James City[FL], Saint Petersburg[FL], Santa Rosa Beach[FL] (2), Sarasota[FL] (2), Searcy (3), Sherwood, Siloam Springs (2), Spring Hill[FL], Springdale, St. Cloud[FL], Tallahassee[FL] (6), Tampa[FL] (3), Tontitown, Van Buren, Venice[FL], Vilonia, Ward, West Palm Beach[FL], Weston [FL], Wewahitchka[FL], Winter Haven[FL], Winter Park[FL], Zephyrhills[FL] One Hundred and Seventh Report 39 Chambers Bank Danville, AR VOICE: (479) 495-2236 FAX: (479) 495-4650 Trust Powers: Yes 901 Main Street 72833 Charter Number: 615 Date: October 3, 1930 FDIC Certificate Number: 5615 Home Page: www.chambers.bank Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm/CEO: John Ed Chambers, III CFO: Landi Mkhize Pres: Mike Donnell TO: Russell Wandsneider Cash and Due from: .................................... 43,571 Federal Funds and Repos: .......................... 83,075 Investments: ................................................ 34,112 Net Loans:................................................. 888,842 Premises and Fixed Assets: ........................ 25,571 Other Real Estate: ......................................... 2,403 Other Assets: .............................................. 43,934 Total Assets: .......................................... 1,121,508 Total Trust Assets: .............................................. 0 Deposits: ................................................... 905,536 Federal Funds and Borrowings: ...................95,329 Other Liabilities:.............................................6,292 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 1,007,157 Total Equity Capital: .................................. 114,351 Total Liabilities and Capital: .................... 1,121,508 Number of Shares Outstanding: ..................10,000 Directors: Danny Bunting; John Ed Chambers, III; Bill Donnell; Mike Donnell; Nathan George; Larry Hillyard; John Russell Meeks; Robert R. Redfern Branches in Town: One Other Branches: Amity, Atkins, Conway (2), Dardanelle (2), Dover, Elkins (2), Fayetteville, Fort Smith, Havana, Hot Springs (2), Mansfield, Mena, Rogers, Russellville (2), Springdale, Van Buren, Waldron Bank of Delight Delight, AR VOICE: (870) 379-2293 FAX: (870) 379-2575 Trust Powers: No 503 East Antioch 71940 Charter Number: 342 Date: June 16, 1911 FDIC Certificate Number: 99 Home Page: www.bankofdelight.com Bank Holding Company None Chm/CEO: Darwin Hendrix Pres/COO: Vince Grimes Cash and Due from: ...................................... 7,261 Federal Funds and Repos: .......................... 19,175 Investments: ................................................ 14,614 Net Loans:................................................. 115,096 Premises and Fixed Assets: .............................607 Other Real Estate: ............................................144 Other Assets: ................................................ 3,414 Total Assets: ............................................. 160,311 Total Trust Assets: .............................................. 0 Deposits: ................................................... 129,278 Federal Funds and Borrowings: ...................10,740 Other Liabilities:................................................. 34 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 140,052 Total Equity Capital: ....................................20,259 Total Liabilities and Capital: ....................... 160,311 Number of Shares Outstanding: ..................15,583 Directors: Rodney Fagan; Darwin Hendrix; David B. Hendrix; John D. Ledbetter; Jeff L. Milam; Randall Turner Branches in Town: None Other Branches: Gurdon, Prescott 40 Arkansas State Bank Department First State Bank of DeQueen DeQueen, AR VOICE: (870) 642-4423 FAX: (870) 642-2847 Trust Powers: No Chm: Dennis Smiley Reg Pres: Jay Oneal 402 West Collin Raye Drive 71832 Charter Number: 731 Date: August 26, 1974 FDIC Certificate Number: 21805 Home Page: www.fsbdequeen.com Member of Federal Reserve System Bank Holding Company First State Bancshares, Inc., DeQueen, AR CEO/Pres: Noel Bard Cash and Due from:.................................... 23,542 Federal Funds and Repos: .................................. 0 Investments: ............................................... 58,743 Net Loans: ................................................ 217,855 Premises and Fixed Assets:.......................... 7,001 Other Real Estate: ........................................... 231 Other Assets: .............................................. 11,331 Total Assets: ............................................. 318,703 Total Trust Assets: ............................................... 0 Deposits: .................................................. 278,121 Federal Funds and Borrowings: .................... 7,519 Other Liabilities: ............................................ 3,892 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 289,532 Total Equity Capital: .................................... 29,171 Total Liabilities and Capital: ...................... 318,703 Number of Shares Outstanding: .................. 76,000 Directors: Noel Bard; Julie Brown; Gary Dan Futrell; John G. Revels; Dennis Smiley; Don Stemple; Angie Walker Branches in Town: One Other Branches: Dierks, Glenwood, Lockesburg, Murfreesboro, Nashville Merchants & Farmers Bank Dumas, AR VOICE: (870) 382-4311 FAX: (870) 382-5901 Trust Powers: Yes 500 Highway 65 South 71639 Charter Number: 278 Date: May 10, 1909 FDIC Certificate Number: 8735 Home Page: www.mfbanknet.com Bank Holding Company M & F Financial Corporation, Dumas, AR Chm/CEO: L. Ashton Adcock EVP/CLO: Betty B. Trites Pres/CFO: B. Page Gill SVP/TO: Price E. Boney, Jr. Cash and Due from:...................................... 4,650 Federal Funds and Repos: ......................... 14,875 Investments: ............................................... 18,522 Net Loans: ................................................ 130,552 Premises and Fixed Assets:.......................... 5,201 Other Real Estate: ............................................... 0 Other Assets: ................................................ 7,961 Total Assets: ............................................. 181,761 Total Trust Assets: ...................................... 89,946 Deposits: .................................................. 153,435 Federal Funds and Borrowings: .................. 10,152 Other Liabilities: ............................................... 265 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 163,852 Total Equity Capital: .................................... 17,909 Total Liabilities and Capital: ...................... 181,761 Number of Shares Outstanding: .................. 40,000 Directors: L. Ashton Adcock; John F. Freeman; B. Page Gill; Brooks A. Gill; James L. Hill; J. Michael Jones; Don Livingston; William W. Shea; Betty B. Trites Branches in Town: None Other Branches: Bryant One Hundred and Seventh Report 41 First Financial Bank El Dorado, AR VOICE: (870) 863-7000 FAX: (870) 881-5393 Trust Powers: Yes 214 North Washington Street Charter Number: 778 71730 Date: April 15, 1999 FDIC Certificate Number: 28905 Home Page: www.ffb1.com Member of Federal Reserve System Bank Holding Company First Financial Banc Corporation, El Dorado, AR Chm: Jeffrey W. Nolan CFO: Melissa J. Jerry CEO/Pres: Chris Hegi Sec: Debra Martin Cash and Due from: .................................. 400,273 Federal Funds and Repos: .......................... 27,223 Investments: .............................................. 105,515 Net Loans:................................................. 912,952 Premises and Fixed Assets: ........................ 15,268 Other Real Estate: ......................................... 9,045 Other Assets: .............................................. 81,245 Total Assets: .......................................... 1,551,521 Total Trust Assets: ...................................... 24,556 Deposits: ................................................ 1,281,707 Federal Funds and Borrowings: ...................78,972 Other Liabilities:.............................................5,586 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 1,366,265 Total Equity Capital: .................................. 185,256 Total Liabilities and Capital: .................... 1,551,521 Number of Shares Outstanding: ................ 704,757 Directors: Jerry Bullard; J. Stephen Cameron; Chris Hegi; Melissa J. Jerry; James M. Moore, Jr.; Margaret M. Niel; Jeffrey W. Nolan; Gary W. Sewell; Dr. Stephen C. Smart; Sean H. Williams Branches in Town: Four Other Branches: Carthage[MS], Cherry Valley, Forrest City, Harrisburg (2), Little Rock, McCrory, Mena, Senatobia[MS], Smackover, Wynne (2) Bank of England England, AR VOICE: (501) 842-2555 FAX: (501) 842-2422 Trust Powers: No 123 South Main Street 72046 Charter Number: 48 Date: August 8, 1898 FDIC Certificate Number: 13303 Home Page: www.bankofengland-ar.com Bank Holding Company Canada Bancshares, Inc., England, AR CEO: Allen Evans CFO: Amanda Robinson Pres: Gary Canada, Jr. Cash: Sheila Rice Cash and Due from: .................................... 58,858 Federal Funds and Repos: .................................. 0 Investments: ................................................ 38,963 Net Loans:................................................. 411,159 Premises and Fixed Assets: .......................... 7,023 Other Real Estate: ............................................545 Other Assets: .............................................. 59,613 Total Assets: ............................................. 576,161 Total Trust Assets: .............................................. 0 Deposits: ................................................... 421,306 Federal Funds and Borrowings: ...................22,500 Other Liabilities:...........................................36,397 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 480,203 Total Equity Capital: ....................................95,958 Total Liabilities and Capital: ....................... 576,161 Number of Shares Outstanding: ..................10,000 Directors: James Neal Anderson; Gary Canada, Jr.; Thomas M. Cupples; Allen Evans; Gregory M. Hopkins; Nicole Canada Luebke Branches in Town: One Other Branches: Carlisle, Little Rock, Lonoke, North Little Rock 42 Arkansas State Bank Department CS Bank Eureka Springs, AR VOICE: (479) 253-2265 FAX: (479) 253-1165 Trust Powers: No 70 South Main 72632 Charter Number: 374 Date: May 4, 1912 FDIC Certificate Number: 5635 Home Page: www.cs.bank Bank Holding Company Eureka Bancshares, Inc., Eureka Springs, AR CEO: Charles T. Cross Pres/CLO: Jason F. Tennant Cash and Due from:.................................... 68,463 Federal Funds and Repos: .................................. 0 Investments: ............................................... 33,857 Net Loans: ................................................ 313,761 Premises and Fixed Assets:........................ 17,338 Other Real Estate: ........................................... 281 Other Assets: .............................................. 11,277 Total Assets: ............................................. 444,977 Total Trust Assets: ............................................... 0 Deposits: .................................................. 369,116 Federal Funds and Borrowings: .................. 29,643 Other Liabilities: ............................................ 4,499 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 403,258 Total Equity Capital: .................................... 41,719 Total Liabilities and Capital: ...................... 444,977 Number of Shares Outstanding: .................. 40,000 Directors: Genes L. Bland; Charles T. Cross; John F. Cross, Sr.; Johnice Cross; Lewis E. Epley, Jr.; William E. Goff; Rex A. Gustin; Daniel J. Mumaugh; Dale E. Steffens; Mark Stone; Jason F. Tennant; Randy Wolfinbarger Branches in Town: One Other Branches: Berryville, Cassville[MO], Harrison, Holiday Island, Huntsville One Hundred and Seventh Report 43 Arvest Bank Fayetteville, AR VOICE: (479) 750-1400 FAX: (479) 770-1615 Trust Powers: Yes 75 North East Street 72701 Charter Number: 31 Date: December 24, 1892 FDIC Certificate Number: 8728 Home Page: www.arvest.com Member of Federal Reserve System Bank Holding Company Arvest Holdings, Inc., Bentonville, AR Chm: Jim C. Walton EVP/CFO: Karla S. Payne CEO/Pres: K. Kevin Sabin EVP/CRO: Cara James Cash and Due from: ............................... 2,745,454 Federal Funds and Repos: .................................. 0 Investments: ........................................... 7,465,156 Net Loans:............................................ 14,127,301 Premises and Fixed Assets: ...................... 482,147 Other Real Estate: ....................................... 23,618 Other Assets: ......................................... 1,394,017 Total Assets: ........................................ 26,237,693 Total Trust Assets: ................................. 3,978,558 Deposits: .............................................. 22,776,126 Federal Funds and Borrowings: ................. 544,496 Other Liabilities:......................................... 331,721 Subordinated Debt: ............................................. 0 Total Liabilities: .................................... 23,652,343 Total Equity Capital: ............................... 2,585,350 Total Liabilities and Capital: .................. 26,237,693 Number of Shares Outstanding: ................ 350,692 Directors: Cara James; Laura Andress; James M. King; Bradley Krieger; Matt Machen; Karla S. Payne; Craig Rivaldo; K. Kevin Sabin; Rodney Shepard; Jim C. Walton Branches in Town: Six Other Branches: Alma, Anderson[MO], Ashdown, Aurora[MO], Bartlesville[OK] (4), Bella Vista (3), Belton[MO], Benton, Bentonville (7), Berryville, Branson[MO], Branson West[MO], Broken Arrow[OK] (3), Broken Bow[OK], Bryant, Cabot, Caney[KS], Carthage[MO] (2), Cassville[MO], Centerton, Chickasha[OK], Clarksville, Conway (4), Del City[OK], DeQueen, Dewey[OK] (2), Dierks, Duncan[OK] (3), Edmond[OK] (3), Elgin[OK], Elkins, Eufaula[OK], Eureka Springs, Farmington, Flippin, Fort Smith (6), Gardner[KS], Gentry, Gladstone[MO], Glenwood, Gravette, Greenwood, Grove[OK], Harrison (2), Hollister[MO], Hot Springs (5), Hot Springs Village, Huntsville (2), Idabel[OK], Independence[MO], Jacksonville, Jay[OK], Jenks[OK], Jonesboro (2), Joplin[MO] (4), Kansas [OK], Kansas City[MO] (6), Kimberling City[MO], Lamar[MO], Lawton[OK] (4), Leawood[KS], Lebanon[MO], Lee's Summit[MO] (2), Lenexa[KS], Lincoln, Little Rock (8), Lockwood[MO], Lowell, Manila, Marshfield[MO], McAlester[OK], Mena, Miami[OK], Midwest City[OK], Mission[KS], Monett[MO], Monette, Moore[OK] (2), Morrilton, Mount Ida, Mountain Grove[MO], Mountain Home (3), Muskogee[OK] (2), Nashville, Neosho[MO], Nevada[MO], Nixa[MO], Norman[OK] (6), North Little Rock (3), Nowata[OK] (2), Oklahoma City[OK] (4), Okmulgee[OK], Olathe[KS], Ottawa[KS], Overland Park[KS] (2), Owasso[OK] (2), Paris, Pea Ridge, Pittsburg[KS], Poteau[OK], Prairie Grove, Pryor[OK], Rogers (6), Russellville (4), Sallisaw[OK], Sapulpa[OK], Shawnee[KS], Shawnee[OK] (2), Sherwood (2), Siloam Springs (3), Springdale (7), Springfield[MO] (6), Stillwater[OK], Stilwell[OK], Tahlequah[OK] (3), Tulsa[OK] (15), Van Buren (2), Vinita[OK], Wagoner[OK], Waldron, Webb City[MO], West Fork, West Plains[MO], Westville[OK], Yellville, Yukon[OK] 44 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.signature.bank Bank Holding Company White River Bancshares Company, Fayetteville, AR Chm/CEO/Pres: Gary R. Head CFO: Edward Riendeau COO/Treas: Brant Ward Cash and Due from:.................................... 40,840 Federal Funds and Repos: .................................. 0 Investments: ............................................... 87,703 Net Loans: ................................................ 648,383 Premises and Fixed Assets:........................ 24,366 Other Real Estate: ............................................... 0 Other Assets: ................................................ 9,078 Total Assets: ............................................. 810,370 Total Trust Assets: ............................................... 0 Deposits: .................................................. 687,284 Federal Funds and Borrowings: .................. 16,844 Other Liabilities: .......................................... 20,110 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 724,238 Total Equity Capital: .................................... 86,132 Total Liabilities and Capital: ...................... 810,370 Number of Shares Outstanding: .................. 30,000 Directors: Gary R. Head ; Dr. John A. Dominick; Matthew R. Duffy; Michael E. Hill; Greg W. Lee; David McConnell; Todd Simmons; Robert C. Smith Branches in Town: None Other Branches: Bentonville, Brinkley (2), Rogers, Springdale FBT Bank & Mortgage Fordyce, AR VOICE: (870) 352-3107 FAX: (870) 352-5202 Trust Powers: Yes 200 West Fourth Street 71742 Charter Number: 631 Date: January 5, 1931 FDIC Certificate Number: 1028 Home Page: www.fbtbank.com Member of Federal Reserve System Bank Holding Company FBT Bancshares, Inc., Fordyce, AR Chm/CEO/Pres/TO: James V. Hulse, Jr. EVP: Lance Nutt Cash and Due from:.................................... 29,376 Federal Funds and Repos: .................................. 0 Investments: ............................................... 69,937 Net Loans: .................................................. 99,015 Premises and Fixed Assets:.......................... 2,440 Other Real Estate: ............................................... 0 Other Assets: ................................................ 5,878 Total Assets: ............................................. 206,646 Total Trust Assets: ........................................ 1,155 Deposits: .................................................. 165,447 Federal Funds and Borrowings: .................. 18,500 Other Liabilities: ............................................... 469 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 184,416 Total Equity Capital: .................................... 22,230 Total Liabilities and Capital: ...................... 206,646 Number of Shares Outstanding: .................... 8,000 Directors: Joe D. Barnes; Suzette Crutchfield; James V. Hulse, Jr.; Anthony Nutt; Gregory S. Ray; John N. Summers; Greg Terry; Charles B. Trussell; Clyde Williams Branches in Town: One Other Branches: Pine Bluff, Rison, White Hall One Hundred and Seventh Report 45 Armor Bank Forrest City, AR VOICE: (870) 633-1525 FAX: (870) 633-8212 Trust Powers: Yes 715 North Washington 72335 Charter Number: 802 Date: June 28, 2018 FDIC Certificate Number: 28812 Home Page: www.armor.bank Bank Holding Company Forrest City Financial Corporation, Marianna, AR Chm: Mark Waldrip SVP: Nathan Waldrip CEO/Pres: Chad T. May CLO: T. Courtney Menefee Cash and Due from: .................................... 11,549 Federal Funds and Repos: .......................... 44,000 Investments: ................................................ 43,753 Net Loans:................................................. 194,452 Premises and Fixed Assets: ........................ 11,032 Other Real Estate: ............................................... 0 Other Assets: ................................................ 5,921 Total Assets: ............................................. 310,707 Total Trust Assets: .............................................. 0 Deposits: ................................................... 279,955 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 549 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 280,504 Total Equity Capital: ....................................30,203 Total Liabilities and Capital: ....................... 310,707 Number of Shares Outstanding: ................ 229,233 Directors: Charles A. Banks; Bradley J. Beavers; Stephen W. Edwards, Sr.; Andrew F. Higginbothom; Chad T. May; Mark Waldrip; Nathan M. Waldrip Branches in Town: One Other Branches: Hot Springs, Jonesboro, Little Rock (2), Marianna, Marked Tree, Trumann, Tyronza Anstaff Bank Green Forest, AR VOICE: (870) 438-5214 FAX: (870) 438-5412 Trust Powers: Yes 100 First National Avenue 72638 Charter Number: 801 Date: June 28, 2016 FDIC Certificate Number: 3869 Home Page: www.anstaffbank.com Bank Holding Company First National Bancorp, Inc., Green Forest, AR Chm/CEO: Stephen E. Stafford SVP/CFO: Marcus Walser Pres: Brad King SVP/COO: Shelby Bruffett Cash and Due from: .................................... 22,292 Federal Funds and Repos: .......................... 57,125 Investments: .............................................. 217,682 Net Loans:................................................. 588,356 Premises and Fixed Assets: ........................ 18,752 Other Real Estate: ..............................................42 Other Assets: .............................................. 29,063 Total Assets: ............................................. 933,312 Total Trust Assets: .............................................. 0 Deposits: ................................................... 831,407 Federal Funds and Borrowings: .....................9,701 Other Liabilities:.............................................7,990 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 849,098 Total Equity Capital: ....................................84,214 Total Liabilities and Capital: ....................... 933,312 Number of Shares Outstanding: ....................7,500 Directors: Tommy Ray Anderson; Brad King; Stacy Waller Lile; Ken Reeves; Logan Scott Stafford; Stephen E. Stafford Branches in Town: One Other Branches: Berryville (2), Flippin, Harrison (2), Huntsville, Jasper, Kingston, Mountain Home (2), Norfork 46 Arkansas State Bank Department First Service Bank Greenbrier, AR VOICE: (501) 679-7200 FAX: (501) 764-4260 Trust Powers: No 136 South Broadview 72058 Charter Number: 732 Date: October 15, 1976 FDIC Certificate Number: 18519 Home Page: www.firstservicebank.com Bank Holding Company First Service Bancshares, Inc., Greenbrier, AR Chm/CEO/Pres: Thomas H. Grumbles COO/Mtg CEO: Robin Hackett CFO: Kenneth Barnard Cash and Due from:...................................... 9,661 Federal Funds and Repos: .................................. 0 Investments: ............................................... 47,597 Net Loans: ................................................ 366,967 Premises and Fixed Assets:........................ 11,286 Other Real Estate: ............................................. 69 Other Assets: .............................................. 14,071 Total Assets: ............................................. 449,651 Total Trust Assets: ............................................... 0 Deposits: .................................................. 389,450 Federal Funds and Borrowings: .................... 6,515 Other Liabilities: ............................................ 2,672 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 398,637 Total Equity Capital: .................................... 51,014 Total Liabilities and Capital: ...................... 449,651 Number of Shares Outstanding: .................. 15,000 Directors: James Beavers; Steve Bone; Dr. Gary Bowman; Melton Cotton; Thomas H. Grumbles; Jim Hawks; Dr. Kyle D. Hensley; Dois "Dyke" Johnson; Jerry Kimbrough; Randy McCaslin; Larry Oaks Branches in Town: None Other Branches: Clinton, Conway (2), Dermott, Flippin, Little Rock, Mountain View, Yellville Farmers Bank Greenwood, AR VOICE: (479) 996-4171 FAX: (479) 996-6700 Trust Powers: Yes 71 West Center 72936 Charter Number: 243 Date: August 7, 1907 FDIC Certificate Number: 1296 Home Page: www.gofarmersbank.com Bank Holding Company Wilkinson Banking Corporation, Greenwood, AR Chm: Elizabeth Wilkinson Pres: Edward Wilkinson CEO: Stanhope Wilkinson TO: Norman Wilkinson Cash and Due from:...................................... 4,091 Federal Funds and Repos: ......................... 11,300 Investments: ............................................... 88,695 Net Loans: ................................................ 135,272 Premises and Fixed Assets:........................ 11,818 Other Real Estate: ............................................... 0 Other Assets: ................................................ 9,710 Total Assets: ............................................. 260,886 Total Trust Assets: ........................................ 1,051 Deposits: .................................................. 219,183 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 724 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 219,907 Total Equity Capital: .................................... 40,979 Total Liabilities and Capital: ...................... 260,886 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 One Hundred and Seventh Report 47 Partners Bank Helena, AR VOICE: (870) 338-6451 FAX: (870) 338-6306 Trust Powers: Yes 302 Cherry Street 72342 Charter Number: 803 Date: October 18, 2018 FDIC Certificate Number: 15729 Home Page: www.partnersbnk.com Bank Holding Company Helena Bancshares, Inc., Helena, AR CEO/Pres: John O. Moore CFO: Leslie Harp EVP: Vance G. St. Columbia COO: Dana Pittman Cash and Due from: .................................... 26,995 Federal Funds and Repos: .................................. 0 Investments: ................................................ 33,297 Net Loans:................................................. 268,496 Premises and Fixed Assets: .......................... 2,588 Other Real Estate: ............................................... 0 Other Assets: .............................................. 13,630 Total Assets: ............................................. 345,006 Total Trust Assets: .............................................. 0 Deposits: ................................................... 313,140 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 897 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 314,037 Total Equity Capital: ....................................30,969 Total Liabilities and Capital: ....................... 345,006 Number of Shares Outstanding: ..................50,000 Directors: Murray Benton; John S. Cooper; Joseph Thomas Cunningham; Thomas "Larry" Delk; Jerry L. Kelley; Barry Lawrence; John O. Moore; Tommie E. Shackelford, Jr.; Vance G. St. Columbia; Harry G. Stephens, Jr.; Rhodes Thompson; Ed Wright Branches in Town: One Other Branches: Marion, Marvell, Springdale, West Helena, Wynne Horatio State Bank Horatio, AR VOICE: (870) 832-2501 FAX: (870) 832-2577 Trust Powers: No 123 Main Street 71842 Charter Number: 179 Date: May 15, 1905 FDIC Certificate Number: 109 Home Page: www.horatiostatebank.com Bank Holding Company Pioneer Bancshares, Inc. of Horatio, Arkansas, Horatio, AR Chm/CEO/Pres: Carl E. Hendrix, III SVP: Edith H. Smith EVP: Todd B. Trimble Cash and Due from: .................................... 25,342 Federal Funds and Repos: .................................. 0 Investments: ................................................ 27,711 Net Loans:................................................. 178,972 Premises and Fixed Assets: .............................729 Other Real Estate: ............................................139 Other Assets: ................................................ 7,205 Total Assets: ............................................. 240,098 Total Trust Assets: .............................................. 0 Deposits: ................................................... 210,145 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 140 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 210,285 Total Equity Capital: ....................................29,813 Total Liabilities and Capital: ....................... 240,098 Number of Shares Outstanding: ....................2,000 Directors: Margaret S. Griffin; Michael B. Griffin; Carl E. Hendrix, III; Dani Hendrix; Edith H. Smith; Wilburn Smith; Elizabeth H. Trimble; Todd B. Trimble Branches in Town: None Other Branches: Foreman 48 Arkansas State Bank Department Today's Bank Huntsville, AR VOICE: (479) 582-0700 FAX: (479) 251-8253 Trust Powers: Yes 432 Harmony Road 72740 Charter Number: 756 Date: July 26, 1991 FDIC Certificate Number: 33470 Home Page: www.todaysbank.com Bank Holding Company Mathias Bancshares, Inc., Springdale, AR Chm: Sam Mathias EVP/CFO: Brittany Little CEO/Pres: David Scruggs EVP/COO: Marivel Radcliffe Cash and Due from:.................................... 21,840 Federal Funds and Repos: .................................. 0 Investments: ............................................... 52,595 Net Loans: ................................................ 196,918 Premises and Fixed Assets:.......................... 6,020 Other Real Estate: ........................................... 285 Other Assets: ................................................ 7,678 Total Assets: ............................................. 285,336 Total Trust Assets: ............................................... 0 Deposits: .................................................. 225,837 Federal Funds and Borrowings: .................. 31,412 Other Liabilities: ............................................ 1,633 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 258,882 Total Equity Capital: .................................... 26,454 Total Liabilities and Capital: ...................... 285,336 Number of Shares Outstanding: .................. 27,000 Directors: Robert Lloyd; Sam Mathias; Larry Olson; Marivel Radcliffe; David Scruggs; Arthur Thurman Branches in Town: One Other Branches: Alma, Fayetteville (2), Mansfield, Mulberry (2), Ozark, Springdale, Van Buren First Arkansas Bank & Trust Jacksonville, AR VOICE: (501) 982-4511 FAX: (501) 982-5769 Trust Powers: Yes 600 West Main 72076 Charter Number: 701 Date: August 2, 1949 FDIC Certificate Number: 16849 Home Page: www.fabandt.bank Bank Holding Company First Arkansas BancShares, Inc., Jacksonville, AR Chm/CEO/Pres: Larry T. Wilson SVP/CFO: Kim Cullum EVP/COO: Mark Wilson SVP/TO: Shelia De Armond Cash and Due from:.................................. 119,392 Federal Funds and Repos: .................................. 0 Investments: ............................................. 195,298 Net Loans: ................................................ 547,670 Premises and Fixed Assets:........................ 21,709 Other Real Estate: ........................................... 260 Other Assets: .............................................. 61,973 Total Assets: ............................................. 946,302 Total Trust Assets: .................................... 286,699 Deposits: .................................................. 754,883 Federal Funds and Borrowings: .................. 63,294 Other Liabilities: .......................................... 11,050 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 829,227 Total Equity Capital: .................................. 117,075 Total Liabilities and Capital: ...................... 946,302 Number of Shares Outstanding: ................ 200,000 Directors: Tommy Bond; Jamie Cobb; Dr. Chevron Ergle; James E. Peacock; Kathryn W. Roberts; Ali Sugg; Larry T. Wilson; Mark Wilson; Michael K. Wilson Branches in Town: Four Other Branches: Austin, Cabot (3), Clinton, Conway, Damascus, Gravel Ridge, Greenbrier, Greers Ferry, Guy, Heber Springs (2), Quitman, Sherwood (2) One Hundred and Seventh Report 49 Premier Bank of Arkansas Jonesboro, AR VOICE: (870) 739-7300 FAX: (870) 739-2234 Trust Powers: Yes 2508 East Highland Drive 72401 Charter Number: 775 Date: October 8, 1998 FDIC Certificate Number: 34887 Home Page: www.premierbankar.com Member of Federal Reserve System Bank Holding Company FCB Financial Services, Inc., Marion, AR Chm: Michael D. East CFO: T. J. Anderson CEO/Pres: Donny Underwood Cash and Due from: .................................... 23,007 Federal Funds and Repos: .................................. 0 Investments: .................................................. 3,230 Net Loans:................................................. 162,463 Premises and Fixed Assets: .......................... 3,785 Other Real Estate: ............................................... 6 Other Assets: ................................................ 3,993 Total Assets: ............................................. 196,484 Total Trust Assets: .............................................. 0 Deposits: ................................................... 168,161 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................1,542 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 169,703 Total Equity Capital: ....................................26,781 Total Liabilities and Capital: ....................... 196,484 Number of Shares Outstanding: ..................60,000 Directors: T. J. Anderson; Brett Crowson; Michael D. East; William David Fogelman; Frank A. Fogleman; Edward Hardin; Allen B. Helms, Jr.; Samuel H. Stuckey, Jr.; William Bart Turner; Donny Underwood; David S. Wallace; Charles L. Williams, Jr.; Ryan Young Branches in Town: None Other Branches: Marion, West Memphis The Bank of Lake Village Lake Village, AR VOICE: (870) 265-2241 FAX: (870) 265-2125 Trust Powers: No 201 Main Street 71653 Charter Number: 675 Date: October 14, 1937 FDIC Certificate Number: 15547 Home Page: www.bankoflakevillage.com Member of Federal Reserve System Bank Holding Company Southeast Arkansas Bank Corporation, Lake Village, AR Chm: Charles H. Weissinger, Jr. VChm: Guy M. Weissinger CEO/Pres/Sec: John T. Potter Cash and Due from: ...................................... 4,756 Federal Funds and Repos: ............................ 2,600 Investments: ................................................ 22,143 Net Loans:................................................... 44,391 Premises and Fixed Assets: .............................759 Other Real Estate: ..............................................10 Other Assets: ................................................ 1,432 Total Assets: ............................................... 76,091 Total Trust Assets: .............................................. 0 Deposits: .....................................................63,012 Federal Funds and Borrowings: .....................3,844 Other Liabilities:............................................... 132 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................66,988 Total Equity Capital: ......................................9,103 Total Liabilities and Capital: .........................76,091 Number of Shares Outstanding: ..................60,000 Directors: Terence J. Alpe; Sam E. Angel, II; Sam E. Angel; William W. Bunker, Jr.; Dr. John P. Burge, Sr.; David F. Gillison, Jr.; John T. Potter; Charles H. Weissinger, III; Charles H. Weissinger, Jr.; Guy M. Weissinger Branches in Town: One Other Branches: None 50 Arkansas State Bank Department Bank of Little Rock Little Rock, AR VOICE: (501) 376-0800 FAX: (501) 376-1642 Trust Powers: Yes 200 North State Street 72201 Charter Number: 748 Date: May 4, 1989 FDIC Certificate Number: 91280 Home Page: www.bankoflittlerock.com Member of Federal Reserve System Bank Holding Company Little Rock Bankshares, Inc., Little Rock, AR Chm/CEO/Pres: Eugene L. Maris SVP/Cash: Lee A. Swearingen SVP: Kim Markland Cash and Due from:...................................... 8,256 Federal Funds and Repos: ......................... 12,175 Investments: ............................................. 120,913 Net Loans: ................................................ 113,100 Premises and Fixed Assets:.......................... 5,458 Other Real Estate: ........................................ 1,005 Other Assets: ................................................ 4,836 Total Assets: ............................................. 265,743 Total Trust Assets: ............................................... 0 Deposits: .................................................. 238,692 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 1,483 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 240,175 Total Equity Capital: .................................... 25,568 Total Liabilities and Capital: ...................... 265,743 Number of Shares Outstanding: ................ 100,000 Directors: Eugene L. Maris; James M. May, III; Scott A. McElmurry; Steven C. Russell Branches in Town: Four Other Branches: None One Hundred and Seventh Report 51 Bank OZK Little Rock, AR VOICE: (501) 978-2265 FAX: (501) 978-2282 Trust Powers: Yes 18000 Cantrell Road 72223 Charter Number: 121 Date: March 24, 1903 FDIC Certificate Number: 110 Home Page: www.ozk.com Bank Holding Company None Chm/CEO: George G. Gleason, II TO: Jennifer Junker CFO: Greg McKinney CAO/CCO: Tim Hicks Cash and Due from: ............................... 1,424,249 Federal Funds and Repos: .................................. 0 Investments: ........................................... 4,693,396 Net Loans:............................................ 18,022,917 Premises and Fixed Assets: ...................... 729,187 Other Real Estate: ......................................... 7,050 Other Assets: ......................................... 1,729,139 Total Assets: ........................................ 26,605,938 Total Trust Assets: ................................. 2,429,774 Deposits: .............................................. 20,706,777 Federal Funds and Borrowings: ................. 758,677 Other Liabilities:......................................... 290,703 Subordinated Debt: ................................... 344,988 Total Liabilities: .................................... 22,101,145 Total Equity Capital: ............................... 4,504,793 Total Liabilities and Capital: .................. 26,605,938 Number of Shares Outstanding: ......... 129,350,448 Directors: Nicholas A. Brown; Paula Cholmondeley; Beverly Cole; Robert C. East; Kathleen M. Franklin; Catherine B. Freedberg; Jeffrey Gearhart; George G. Gleason, II; Peter C. Kenny; Bill Koefoed; Christopher Orndorff; Steven Sadoff; Ross M. Whipple Branches in Town: Nine Other Branches: Adairsville[GA], Advance[NC], Allen[TX], Alma, Altus, Apollo Beach[FL], Arkadelphia (2), Asheboro[NC], Atlanta[GA] (2), Auburn[GA], Austin[TX], Bainbridge[GA] (2), Bella Vista (2), Belleair Bluffs[FL], Belmont[NC], Benton (3), Bentonville (2), Bessemer City[NC], Blairsville[GA], Blue Ridge[GA], Bogart[GA], Boiling Springs[NC], Bonita Springs[FL], Bradenton[FL] (5), Braselton[GA], Bremen[GA], Brunswick[GA], Bryant, Buchanan[GA], Buford[GA], Cabot, Cairo[GA], Calhoun[GA], Canton[GA], Cape Coral[FL] (2), Carrollton[GA] (2), Carrollton[TX], Cartersville[GA] (2), Cedar Park[TX], Charlotte[NC], Chatsworth[GA], Clarksville, Clearwater[FL] (3), Clinton, Columbus[GA], Concord[NC], Conway (4), Conyers[GA], Coral Gables[FL], Cornelia[GA], Cornelius[NC], Cumming[GA] (3), Dahlonega[GA], Dallas[GA], Dallas[TX] (2), Dalton[GA], Dawsonville[GA], Decatur[GA], Doral[FL], Douglasville[GA] (2), East Ellijay[GA], East Point[GA], Ellijay[GA], Fayetteville (3), Forest City[NC], Fort Lauderdale[FL], Fort Myers[FL] (3), Fort Smith (3), Fort Worth[TX], Franklin[GA], Frisco[TX] (2), Gastonia[NC], Grayson[GA], Greensboro[GA], Harrisburg[NC], Harrison (2), Hope (2), Hot Springs (6), Hot Springs Village, Houston[TX] (4), Jacksonville[FL], Jasper, Jefferson[GA], Keller[TX], Kings Mountain[NC], Lake Park[GA], Landis[NC], Lawndale[NC], Lewisville[TX], Lexington[NC], Lincolnton[NC], Lockhart[TX], Loganville[GA], Lonoke, Lonsdale, Macon[GA] (3), Magnolia, Malvern (2), Marble Hill[GA], Marietta[GA], Marshall, Maumelle, McDonough[GA], McKinney[TX], Miami[FL], Miami Beach[FL], Mocksville[NC], Mountain Home (2), Mulberry, New York[NY], Newnan[GA], North Little Rock (3), Oakwood[GA], Ocala[FL], Ozark (2), Palmetto[FL], Paris, Pinellas Park[FL], Plano[TX], Port Charlotte[FL] (2), Punta Gorda[FL], Riverview[FL], Rogers (3), Rome[GA], Roswell[GA], Russellville (2), San Antonio[TX], Sarasota[FL], Savannah[GA], Senoia[GA], Sharpsburg[GA], Shelby[NC] (5), Sherwood, Siloam Springs, Snellville[GA], South Pasadena[FL], Southlake[TX], Springdale (2), St. Petersburg[FL] (3), St. Simons Island[GA], Statham[GA], Tallapoosa[GA], Tampa[FL] (5), Texarkana, Texarkana[TX] (2), The Colony[TX], Valdosta[GA] (3), Van Buren (2), Villa Rica[GA], Watkinsville[GA], Western Grove, Wilmington[NC], Winder[GA] (2), Winston-Salem[NC], Woodstock[GA], Yellville, Zephyrhills[FL] 52 Arkansas State Bank Department Central Bank Little Rock, AR VOICE: (501) 221-6400 FAX: (501) 227-8932 Trust Powers: No 1506 Market Street, Suite C180 Charter Number: 385 72211-1871 Date: August 12, 1912 FDIC Certificate Number: 1756 Home Page: www.centralbankar.com Bank Holding Company Cross County Bancshares, Inc., Wynne, AR Chm: R. Steve Roberson Reg Pres : David Bordovsky CEO: Wade Ruckle SVP/Cash: Brandy Thiele Cash and Due from:.................................... 24,740 Federal Funds and Repos: ......................... 42,969 Investments: ............................................... 47,767 Net Loans: ................................................ 243,902 Premises and Fixed Assets:.......................... 2,419 Other Real Estate: ............................................... 0 Other Assets: ................................................ 4,301 Total Assets: ............................................. 366,098 Total Trust Assets: ............................................... 0 Deposits: .................................................. 305,505 Federal Funds and Borrowings: .................. 27,931 Other Liabilities: ............................................ 1,287 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 334,723 Total Equity Capital: .................................... 31,375 Total Liabilities and Capital: ...................... 366,098 Number of Shares Outstanding: ................ 184,019 Directors: David Bordovsky; James R. Burks; Steven Collier; David Dowd; John Reese; R. Steven Roberson; Wade Ruckle; Bruce Schratz, Jr.; Patricia Weed Branches in Town: One Other Branches: Bentonville Eagle Bank & Trust Company Little Rock, AR VOICE: (501) 223-2000 FAX: (501) 223-0373 Trust Powers: Yes Chm: Cathy H. Owen CEO/Pres: Jeff Lynch 650 South Shackleford, Suite 150 Charter Number: 735 72211 Date: May 27, 1977 FDIC Certificate Number: 3873 Home Page: www.eaglebank.com Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR EVP: Paul Castleberry Mtg CEO: Bill Edwards Cash and Due from:.................................... 10,928 Federal Funds and Repos: ......................... 42,675 Investments: ............................................. 203,397 Net Loans: ................................................ 194,173 Premises and Fixed Assets:.......................... 8,413 Other Real Estate: ........................................ 4,539 Other Assets: .............................................. 12,242 Total Assets: ............................................. 476,367 Total Trust Assets: ............................................... 0 Deposits: .................................................. 393,620 Federal Funds and Borrowings: .................... 5,547 Other Liabilities: ............................................ 6,850 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 406,017 Total Equity Capital: .................................... 70,350 Total Liabilities and Capital: ...................... 476,367 Number of Shares Outstanding: .................. 27,965 Directors: Andrew H. Hastings; H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings, Sr.; Bill G. Lynch; Jeff Lynch; Cathy H. Owen Branches in Town: None Other Branches: Drasco, Fairfield Bay, Gravel Ridge, Greers Ferry, Heber Springs (2), North Little Rock, Quitman, Rose Bud, Sherwood (2), Vilonia One Hundred and Seventh Report 53 Encore Bank Little Rock, AR VOICE: (501) 228-6000 FAX: (501) 228-6006 Trust Powers: Yes 1801 Rahling Road, Suite 100 Charter Number: 771 72211 Date: July 30, 1997 FDIC Certificate Number: 34562 Home Page: www.bankencore.com Member of Federal Reserve System Bank Holding Company Encore Bancshares, Inc., Little Rock, AR Chm/CEO: Chris Roberts VChm/Pres: Phillip Jett Cash and Due from: .................................... 42,854 Federal Funds and Repos: .......................... 45,825 Investments: .............................................. 167,481 Net Loans:................................................. 828,963 Premises and Fixed Assets: ........................ 14,531 Other Real Estate: ............................................... 0 Other Assets: .............................................. 30,137 Total Assets: .......................................... 1,129,791 Total Trust Assets: .............................................. 0 Deposits: ................................................... 895,814 Federal Funds and Borrowings: ................. 105,400 Other Liabilities:...........................................10,737 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 1,011,951 Total Equity Capital: .................................. 117,840 Total Liabilities and Capital: .................... 1,129,791 Number of Shares Outstanding: ..................32,013 Directors: John Allen; Derek Alley; Marcella "Marcy" Doderer; Elizabeth Glasbrenner; Quinn Grovey; Burt Hicks; Phillip Jett; Matt Johnner; Chris Roberts Branches in Town: One Other Branches: Fayetteville, Jonesboro, Rogers First State Bank Lonoke, AR VOICE: (501) 676-3106 FAX: (501) 676-5046 Trust Powers: No 101 South Center Street 72086 Charter Number: 670 Date: March 9, 1935 FDIC Certificate Number: 15050 Home Page: www.firststatebk.com Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Chm: Neil Bennett, Jr. CFO: Melissa Halpain CEO/Pres: Kevin F. "Kip" Norton Sec: Karen K. Hardke Cash and Due from: .................................... 17,135 Federal Funds and Repos: .................................. 0 Investments: ................................................ 76,606 Net Loans:................................................. 179,542 Premises and Fixed Assets: .......................... 6,121 Other Real Estate: ............................................618 Other Assets: ................................................ 3,742 Total Assets: ............................................. 283,764 Total Trust Assets: .............................................. 0 Deposits: ................................................... 249,855 Federal Funds and Borrowings: .....................4,000 Other Liabilities:............................................... 429 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 254,284 Total Equity Capital: ....................................29,480 Total Liabilities and Capital: ....................... 283,764 Number of Shares Outstanding: ..................16,000 Directors: Alan W. Barksdale; Neil Bennett, Jr.; William Fletcher, Jr.; J. Walls McCrary; Daina B. Newcomb; Kevin F. "Kip" Norton; Wade Ruckle; Marvin D. Thaxton, Jr. Branches in Town: One Other Branches: Carlisle, Fayetteville, Gurdon, Heber Springs Arkansas State Bank Department 54 Farmers Bank and Trust Company Magnolia, AR VOICE: (870) 235-7000 FAX: (870) 235-7008 Trust Powers: Yes 200 East Main Street 71753 Charter Number: 217 Date: September 26, 1906 FDIC Certificate Number: 1291 Home Page: www.myfarmers.bank Member of Federal Reserve System Bank Holding Company Magnolia Banking Corporation, Magnolia, AR Chm: Bob L. Burns CFO: Drew Chandler CEO/Pres: Chris Gosnell CLO: Dave White Cash and Due from:.................................... 97,165 Federal Funds and Repos: .................................. 0 Investments: ............................................. 348,840 Net Loans: ............................................. 1,371,699 Premises and Fixed Assets:........................ 36,521 Other Real Estate: ........................................... 410 Other Assets: .............................................. 79,959 Total Assets: .......................................... 1,934,594 Total Trust Assets: .................................... 157,102 Deposits: ............................................... 1,669,871 Federal Funds and Borrowings: .................. 46,637 Other Liabilities: .......................................... 17,910 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,734,418 Total Equity Capital: .................................. 200,176 Total Liabilities and Capital: ................... 1,934,594 Number of Shares Outstanding: ................ 100,000 Directors: John E. Alexander, Jr.; Mike Boyd; Bob L. Burns; Dr. Jason Franks; Chris Gosnell; Bruce D. Maloch; T. E. Smith Branches in Town: Three Other Branches: Blevins, Bryant, Camden (3), Haskell, Hope (2), Lewisville, Malvern (2), New Boston[TX], Paris[TX], Prescott, Prosper[TX], Taylor, Texarkana (2), Texarkana[TX] (2) The Peoples Bank Magnolia, AR VOICE: (870) 234-5777 FAX: (870) 912-0647 Trust Powers: Yes 500 North Jackson 71753 Charter Number: 313 Date: June 22, 1910 FDIC Certificate Number: 12531 Home Page: www.pbmag.com Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm: S. Clark Fincher Pres/CLO: Jamie Waller CEO: Mary L. Fowler CFO: Jonathan Baird Cash and Due from:.................................... 32,390 Federal Funds and Repos: ........................... 1,725 Investments: ............................................... 12,381 Net Loans: ................................................ 160,623 Premises and Fixed Assets:.......................... 4,208 Other Real Estate: ........................................... 102 Other Assets: ................................................ 7,741 Total Assets: ............................................. 219,170 Total Trust Assets: ............................................... 0 Deposits: .................................................. 145,009 Federal Funds and Borrowings: .................. 49,509 Other Liabilities: ............................................... 730 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 195,248 Total Equity Capital: .................................... 23,922 Total Liabilities and Capital: ...................... 219,170 Number of Shares Outstanding: .................. 10,000 Directors: Brian Baird; Jonathan Baird; S. Clark Fincher; Mary L. Fowler; Sharon Gathright; Betty Harris; Stephen Harris; Molly Mitchell; J. David Scott; Laura Scott; Jamie Waller Branches in Town: One Other Branches: Waldo One Hundred and Seventh Report 55 First NaturalState Bank McGehee, AR VOICE: (870) 222-3880 FAX: (870) 222-4853 Trust Powers: Yes 500 North Second 71654 Charter Number: 798 Date: January 21, 2016 FDIC Certificate Number: 21379 Home Page: www.fnbmcgehee.com Member of Federal Reserve System Bank Holding Company First National Financial Corporation, McGehee, AR CEO/Pres: Jim R. Daniels SVP: Jacob Box EVP/CFO: Wendy Barnes SVP: Fran Childress Cash and Due from: ...................................... 3,853 Federal Funds and Repos: ............................ 7,425 Investments: ................................................ 13,125 Net Loans:................................................... 53,610 Premises and Fixed Assets: .............................687 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,105 Total Assets: ............................................... 79,805 Total Trust Assets: .............................................39 Deposits: .....................................................71,908 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 185 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................72,093 Total Equity Capital: ......................................7,712 Total Liabilities and Capital: .........................79,805 Number of Shares Outstanding: ..................68,000 Directors: Jim R. Daniels; Gibbs B. Ferguson; Dewey E. Johnson; Robert E. Lucky, Sr.; Robert Smith Moore, Jr.; Charles A. Pambianchi Branches in Town: One Other Branches: Dumas McGehee Bank McGehee, AR VOICE: (870) 222-3151 FAX: (870) 222-6159 Trust Powers: Yes 301 North Second Street 71654 Charter Number: 661 Date: December 5, 1933 FDIC Certificate Number: 11242 Home Page: www.mcgeheebank.com Bank Holding Company Southeast Financial Bankstock Corporation, McGehee, AR CEO/Pres: James M. Smith VP/Cash: Stephen Wilson SVP: Clarissa Herren VP/TO: Jim S. Youngblood Cash and Due from: ...................................... 3,017 Federal Funds and Repos: ............................ 9,550 Investments: ................................................ 28,269 Net Loans:................................................. 102,764 Premises and Fixed Assets: .............................549 Other Real Estate: ............................................... 0 Other Assets: ................................................ 5,889 Total Assets: ............................................. 150,038 Total Trust Assets: .................................... 115,558 Deposits: ................................................... 121,081 Federal Funds and Borrowings: ...................10,000 Other Liabilities:............................................... 487 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 131,568 Total Equity Capital: ....................................18,470 Total Liabilities and Capital: ....................... 150,038 Number of Shares Outstanding: ..................80,000 Directors: Lee Bowman; William W. Bowman; David S. Leech; Jeff Owyoung; John H. Potter, Jr.; Don M. Smith; James M. Smith; Jim Whitaker Branches in Town: One Other Branches: Arkansas City, Watson Arkansas State Bank Department 56 The Union Bank of Mena Mena, AR VOICE: (479) 394-2211 FAX: (479) 394-8901 Trust Powers: No Chm: David Maddox Pres: Kevin Williams 303 Highway 71 North 71953 Charter Number: 667 Date: July 25, 1934 FDIC Certificate Number: 14597 Home Page: www.unionbankofmena.com Member of Federal Reserve System Bank Holding Company Union Bankshares, Inc., Mena, AR SVP/CLO: Tim Rodgers Cash and Due from:.................................... 43,362 Federal Funds and Repos: .................................. 0 Investments: ............................................... 84,047 Net Loans: ................................................ 198,149 Premises and Fixed Assets:.......................... 3,718 Other Real Estate: ............................................. 77 Other Assets: ................................................ 5,825 Total Assets: ............................................. 335,178 Total Trust Assets: ............................................... 0 Deposits: .................................................. 297,110 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 4,586 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 301,696 Total Equity Capital: .................................... 33,482 Total Liabilities and Capital: ...................... 335,178 Number of Shares Outstanding: .................. 12,000 Directors: John A. Crawford; Philip B. Hensley; David Maddox; John Maddox; Jeff Montgomery; Michael Myers; Paul T. Plunkett; Phillip Stevenson; Kevin Williams; Phillip Wilson; Jarrod Yarnell Branches in Town: None Other Branches: Hatfield, Wickes Commercial Bank & Trust Company Monticello, AR VOICE: (870) 367-6221 FAX: (870) 367-7700 Trust Powers: Yes 212 West Gaines Street 71655 Charter Number: 396 Date: November 29, 1912 FDIC Certificate Number: 90 Home Page: www.commercial-bank.net Member of Federal Reserve System Bank Holding Company Drew Bancshares, Inc., Monticello, AR Chm/CEO: Bennie Ryburn, III SVP: Michael Efird Pres/CFO/COO: George T. Harris VP/TO: Nick Temple Cash and Due from:...................................... 5,658 Federal Funds and Repos: ........................... 8,500 Investments: ............................................... 91,666 Net Loans: ................................................ 131,817 Premises and Fixed Assets:.......................... 1,513 Other Real Estate: ........................................... 608 Other Assets: ................................................ 7,496 Total Assets: ............................................. 247,258 Total Trust Assets: ...................................... 18,205 Deposits: .................................................. 223,930 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 255 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 224,185 Total Equity Capital: .................................... 23,073 Total Liabilities and Capital: ...................... 247,258 Number of Shares Outstanding: .................... 8,000 Directors: Joe Brannen; C. C. Gibson, III; George T. Harris; R. D. Jones, III.; Wayne L. Owen, Jr.; Bennie Ryburn, III; Ray Ryburn; Mike Ward Branches in Town: Four Other Branches: None One Hundred and Seventh Report 57 Union Bank And Trust Company Monticello, AR VOICE: (870) 460-6400 FAX: (870) 460-6464 Trust Powers: Yes 102 West McCloy 71657 Charter Number: 448 Date: September 15, 1915 FDIC Certificate Number: 1753 Home Page: www.unionbnk.com Bank Holding Company First Union Financial Corporation, Monticello, AR Chm Emer: Zach McClendon, Jr. CEO/Pres: Dave Dickson Chm: John S. McClendon TO: Gail Hooker Cash and Due from: .................................... 25,589 Federal Funds and Repos: .................................. 0 Investments: ................................................ 45,785 Net Loans:................................................. 188,693 Premises and Fixed Assets: .......................... 3,615 Other Real Estate: ............................................165 Other Assets: ................................................ 9,565 Total Assets: ............................................. 273,412 Total Trust Assets: ...................................... 41,050 Deposits: ................................................... 236,521 Federal Funds and Borrowings: .....................9,491 Other Liabilities:.............................................2,337 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 248,349 Total Equity Capital: ....................................25,063 Total Liabilities and Capital: ....................... 273,412 Number of Shares Outstanding: ..................80,000 Directors: Mike Akin; Whit Barton; Charles F. Dearman, Jr.; Dave Dickson; John S. McClendon; Robin McClendon; Zach McClendon, Jr.; Thomas M. Smith; Joel Stevens Branches in Town: Two Other Branches: Warren Petit Jean State Bank Morrilton, AR VOICE: (501) 354-4988 FAX: (501) 354-6560 Trust Powers: No 707 North Saint Joseph Street Charter Number: 777 72110 Date: January 27, 1999 FDIC Certificate Number: 35084 Home Page: www.pjsb.com Member of Federal Reserve System Bank Holding Company Petit Jean Bancshares, Inc., Morrilton, AR Chm/Pres: Charles S. Penick EVP: Suzanne Hartman EVP: Susan Gunderman Cash and Due from: .................................... 39,971 Federal Funds and Repos: .................................. 0 Investments: ................................................ 71,377 Net Loans:................................................... 95,787 Premises and Fixed Assets: .......................... 2,039 Other Real Estate: ............................................208 Other Assets: ................................................ 7,977 Total Assets: ............................................. 217,359 Total Trust Assets: .............................................. 0 Deposits: ................................................... 180,314 Federal Funds and Borrowings: .....................4,853 Other Liabilities:.............................................1,564 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 186,731 Total Equity Capital: ....................................30,628 Total Liabilities and Capital: ....................... 217,359 Number of Shares Outstanding: ..................50,000 Directors: Hall M. Calhoun, III; Katherine Foust; Todd Haynes; Michael D. Koone; Otto Lienhart, II; John Maus, III; Charles S. Penick; Stanton C. Willis Branches in Town: One Other Branches: None 58 Arkansas State Bank Department Stone Bank Mountain View, AR VOICE: (833) 253-2265 FAX: (501) 435-2068 Trust Powers: Yes 802 East Main Street 72560 Charter Number: 797 Date: August 4, 2015 FDIC Certificate Number: 17431 Home Page: www.stonebank.com Bank Holding Company Stone Bancshares, Inc., Mountain View, AR CEO: Marnie B. Oldner EVP: Bruce Upton Pres/CLO: Nick Roach CFO: Stephen Ragland Cash and Due from:.................................... 24,516 Federal Funds and Repos: ................................ 50 Investments: ............................................... 68,691 Net Loans: ................................................ 422,207 Premises and Fixed Assets:........................ 17,830 Other Real Estate: ........................................... 405 Other Assets: .............................................. 31,533 Total Assets: ............................................. 565,232 Total Trust Assets: .................................... 112,969 Deposits: .................................................. 449,310 Federal Funds and Borrowings: .................. 50,000 Other Liabilities: ............................................ 4,793 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 504,103 Total Equity Capital: .................................... 61,129 Total Liabilities and Capital: ...................... 565,232 Number of Shares Outstanding: ............. 1,338,371 Directors: Buddy Bolin; J. T. Compton; Kevin Compton; Charlie Daniels; Sonya Daniels; Ray Dillon; Roger Helms; Charles E. Lumsden; Raymond Merrill; Marnie B. Oldner; Nick Roach; Gladys M. Webb Branches in Town: None Other Branches: DeWitt, Gillett, Harrison, Little Rock, White Hall Diamond Bank Murfreesboro, AR VOICE: (870) 356-2121 FAX: (870) 356-2858 Trust Powers: No Chm/CEO: Tim Bainum 319 East Main 71958 Charter Number: 175 Date: December 19, 1904 FDIC Certificate Number: 1527 Home Page: www.diamond.bank Member of Federal Reserve System Bank Holding Company Bainum Bancorp, Glenwood, AR Pres: John E. Gibbs Cash and Due from:.................................... 14,967 Federal Funds and Repos: .................................. 0 Investments: ............................................. 160,028 Net Loans: ................................................ 519,579 Premises and Fixed Assets:.......................... 9,862 Other Real Estate: ........................................... 427 Other Assets: .............................................. 26,310 Total Assets: ............................................. 731,173 Total Trust Assets: ............................................... 0 Deposits: .................................................. 639,793 Federal Funds and Borrowings: .................. 10,000 Other Liabilities: ............................................ 4,588 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 654,381 Total Equity Capital: .................................... 76,792 Total Liabilities and Capital: ...................... 731,173 Number of Shares Outstanding: ................ 172,000 Directors: Tim Bainum; Timothy A. "Tab" Bainum; Robert Braun; Richard Cox; John E. Gibbs; John Hearnsberger; Stefanie Bainum Kato; Shauna L. Lucas; Virgilio Martinez; Larry Mitchell; Mike Moore; George E. Steel, Jr. Branches in Town: None Other Branches: Ashdown, DeQueen, Dierks, Glenwood, Hector, Hope, Hot Springs (2), Mena, Mineral Springs, Mount Ida, Nashville (2), Russellville, Texarkana[TX] One Hundred and Seventh Report 59 Merchants & Planters Bank Newport, AR VOICE: (870) 523-3601 FAX: (870) 523-3473 Trust Powers: Yes 120 Hazel 72112 Charter Number: 694 Date: March 20, 1946 FDIC Certificate Number: 16464 Home Page: www.mandpbank.com Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/TO: Jim S. Gowen, Sr. SVP/Cash: Leslie Lowery CEO/Pres: Jim S. Gowen, Jr. Cash and Due from: .................................... 71,410 Federal Funds and Repos: .................................. 0 Investments: ................................................ 72,115 Net Loans:................................................. 180,886 Premises and Fixed Assets: ........................ 10,886 Other Real Estate: ......................................... 1,311 Other Assets: .............................................. 15,010 Total Assets: ............................................. 351,618 Total Trust Assets: .................................... 112,074 Deposits: ................................................... 314,474 Federal Funds and Borrowings: ....................... 636 Other Liabilities:.............................................4,626 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 319,736 Total Equity Capital: ....................................31,882 Total Liabilities and Capital: ....................... 351,618 Number of Shares Outstanding: ....................9,000 Directors: R. M. Bledsoe; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Benjy Harris; Jennifer H. James; Dr. Larry Williams Branches in Town: One Other Branches: Batesville (3), Des Arc, McCrory, Newark, Searcy, Swifton, Tuckerman Piggott State Bank Piggott, AR VOICE: (870) 598-3802 FAX: (870) 598-2026 Trust Powers: No 212 West Cherry 72454 Charter Number: 613 Date: March 10, 1930 FDIC Certificate Number: 5628 Home Page: www.piggottstatebank.com Member of Federal Reserve System Bank Holding Company Piggott Bankstock, Inc., Piggott, AR Chm/CEO/Pres: Cody Knight AVP: Josh Hicks AVP: Jo Cole AVP: Jennifer Spence Cash and Due from: .................................... 19,012 Federal Funds and Repos: .................................. 0 Investments: ................................................ 41,722 Net Loans:................................................... 51,175 Premises and Fixed Assets: .............................826 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,502 Total Assets: ............................................. 114,237 Total Trust Assets: .............................................. 0 Deposits: ................................................... 103,619 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 410 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 104,029 Total Equity Capital: ....................................10,208 Total Liabilities and Capital: ....................... 114,237 Number of Shares Outstanding: ....................4,000 Directors: Steve Bell; Paula O. Blackwell; Cody Knight; Jim Poole Branches in Town: One Other Branches: Rector 60 Arkansas State Bank Department Simmons Bank Pine Bluff, AR VOICE: (870) 541-1000 FAX: (870) 850-2685 Trust Powers: Yes 501 Main Street 71601 Charter Number: 799 Date: March 31, 2016 FDIC Certificate Number: 3890 Home Page: www.simmonsbank.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO: George A. Makris, Jr. EVP/CBO: Matt Reddin EVP/CAO: Steve Massanelli TO: Jimmy Crocker Cash and Due from:............................... 2,337,098 Federal Funds and Repos: .................................. 0 Investments: .......................................... 7,493,900 Net Loans: ........................................... 11,194,685 Premises and Fixed Assets:...................... 377,663 Other Real Estate: ...................................... 10,871 Other Assets: ......................................... 1,965,621 Total Assets: ........................................ 23,379,838 Total Trust Assets: ................................. 6,153,015 Deposits: ............................................. 18,528,823 Federal Funds and Borrowings: ............. 1,538,271 Other Liabilities: ........................................ 174,904 Subordinated Debt: .............................................. 0 Total Liabilities: .................................... 20,241,998 Total Equity Capital: ............................... 3,137,840 Total Liabilities and Capital: ................. 23,379,838 Number of Shares Outstanding: .................. 35,000 Directors: Jay D. Burchfield; Marty D. Casteel; William E. Clark, II; Steven A. Cossé; Mark C. Doramus; Eddie Drilling; Eugene Hunt; Jerry M. Hunter; Susan Lanigan; George A. Makris, Jr.; W. Scott McGeorge; Tom Purvis; Robert L. Shoptaw; Julie Stackhouse; Russ Teubner; Mindy West Branches in Town: Six Other Branches: Ada[OK], Ardmore[OK], Arlington[TX], Athens[TN] (2), Atoka[TN], Beebe, Benton, Bentonville, Bolivar[TN], Branson[MO], Brownsville[TN], Bryant, Burleson[TX], Cabool[MO], Cabot, Charleston, Chesterfield[MO], Chickasha[OK], Clarksville, Clinton, Collierville[TN], Columbia[MO] (6), Conway (2), Crane[MO], Dallas[TX] (2), Davis[OK], Denison[TX] (2), Dermott, Des Peres[MO], Dresden[TN], Dumas, Durant[OK] (2), Dyersburg[TN] (2), Edmond[OK], El Dorado (2), El Dorado Springs[MO], Fayetteville (3), Fenton[MO], Florissant[MO], Fort Smith (3), Fort Worth[TX] (5), Franklin[TN] (2), Frisco[TX], Frontenac[MO], Gainesville[TX], Gallatin[TN], Goodlettsville[TN], Grapevine[TX], Gunter[TX], Hamburg, Hendersonville[TN], Hensley, Hot Springs (3), Houston[MO], Humboldt[TN], Hutchinson[KS], Jackson[TN] (3), Jonesboro (3), Joplin[MO] (2), Kenton[TN], Kingston[TN], Lake Village, Lees Summit[MO], Lexington[TN], Lincoln, Little Rock (11), Lockwood[MO], Madill[OK] (2), Madisonville[TN], Mammoth Spring, Manchester[MO], Mansfield[TX], Marshall, Marshfield[MO], Martin[TN], Maryville[TN], Maumelle, McKinney[TX], Memphis[TN], Middleton[TN], Monticello, Mount Vernon[MO], Mountain View, Mountain View[MO], Nashville[TN], Nixa[MO], North Little Rock (2), O'Fallon[MO], Oklahoma City[OK] (5), Olathe[KS], Ozark, Ozark[MO], Paragould, Pottsboro[TX], Reeds Spring[MO], Rogers (2), Russellville (2), Saginaw[TX], Saint Louis[MO] (5), Saint Peters[MO], Searcy (2), Sedalia[MO], Sharon[TN], Sherman[TX], Siloam Springs, South Fulton[TN], South Hutchinson[KS], Springdale, Springfield[MO] (4), St. Louis[MO] (8), Star City, Stillwater[OK] (4), Stockton[MO], Strong, Sweetwater[TN], Tishomingo[OK], Tulsa[OK], Union City[TN], Vonore[TN], Webster Groves[MO], Weiner, Wentzville[MO], West Plains[MO], White Hall, White House[TN], Whitesboro[TX], Wichita[KS] (3), Wildwood[MO], Willow Springs[MO], Wynnewood One Hundred and Seventh Report 61 RiverBank Pocahontas, AR VOICE: (870) 892-2265 FAX: (870) 892-2264 Trust Powers: Yes CEO/Pres: Kyle Baltz COO: Joyce Radcliff 203 West Broadway 72455 Charter Number: 796 Date: January 15, 2015 FDIC Certificate Number: 31711 Home Page: www.eriverbank.com Bank Holding Company None Cont: Julie Williams TO: Mark Holt Cash and Due from: ...................................... 2,793 Federal Funds and Repos: ............................ 7,600 Investments: .................................................. 5,234 Net Loans:................................................... 71,018 Premises and Fixed Assets: .......................... 2,170 Other Real Estate: ............................................164 Other Assets: ................................................ 4,064 Total Assets: ............................................... 93,043 Total Trust Assets: ........................................ 3,553 Deposits: .....................................................78,271 Federal Funds and Borrowings: .....................1,346 Other Liabilities:............................................... 375 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................79,992 Total Equity Capital: ....................................13,051 Total Liabilities and Capital: .........................93,043 Number of Shares Outstanding: ..................37,812 Directors: Jeremy Baltz; Kyle Baltz; Gary Cochran; Terry Davis; Joyce Radcliff; Chad Watson Branches in Town: One Other Branches: Corning Home Bank of Arkansas Portland, AR VOICE: (501) 679-7283 FAX: (501) 679-7745 Trust Powers: No 113 Highway 165 South 71663 Charter Number: 251 Date: January 22, 1908 FDIC Certificate Number: 5629 Home Page: www.homebankofar.com Bank Holding Company Peoples Home Holding, Inc., Greenbrier, AR Chm/CEO: John Stacks SVP: Nick B. Harness Pres: Dan M. Rolett Cash and Due from: ...................................... 2,383 Federal Funds and Repos: .......................... 18,425 Investments: ........................................................ 0 Net Loans:................................................... 50,303 Premises and Fixed Assets: .......................... 2,930 Other Real Estate: ............................................240 Other Assets: ...................................................903 Total Assets: ............................................... 75,184 Total Trust Assets: .............................................. 0 Deposits: .....................................................67,123 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 499 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................67,622 Total Equity Capital: ......................................7,562 Total Liabilities and Capital: .........................75,184 Number of Shares Outstanding: ..................23,386 Directors: Roy Montgomery; Robbin Rahman; John Stacks; Ryan Stacks Branches in Town: None Other Branches: Damascus, Greenbrier, Little Rock, Marshall 62 Arkansas State Bank Department Gateway Bank Rison, AR VOICE: (870) 325-6251 FAX: (870) 325-7661 Trust Powers: No Chm: Lewis R. Gardner CEO/Pres: Joe Dunn 112 Main Street 71665 Charter Number: 650 Date: March 7, 1932 FDIC Certificate Number: 8730 Home Page: www.gatewaybank.bank Member of Federal Reserve System Bank Holding Company Sigma Holdings, Inc., Rison, AR SVP: Amber Offutt Cash and Due from:...................................... 9,959 Federal Funds and Repos: .................................. 0 Investments: ................................................. 1,395 Net Loans: .................................................. 77,794 Premises and Fixed Assets:.......................... 1,610 Other Real Estate: ............................................... 0 Other Assets: ................................................... 894 Total Assets: ............................................... 91,652 Total Trust Assets: ............................................... 0 Deposits: .................................................... 77,594 Federal Funds and Borrowings: .................... 4,025 Other Liabilities: ............................................... 178 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 81,797 Total Equity Capital: ...................................... 9,855 Total Liabilities and Capital: ........................ 91,652 Number of Shares Outstanding: .................... 4,000 Directors: Joe Dunn; Lewis R. Gardner; Ryan Holder; Charles S. Searcy; James W. Searcy Branches in Town: None Other Branches: Bryant Generations Bank Rogers, AR VOICE: (479) 986-3990 FAX: (479) 986-3999 Trust Powers: No 3710 Southern Hills Blvd., Suite 100 Charter Number: 220 72758 Date: October 26, 1906 FDIC Certificate Number: 88 Home Page: www.mygenerations.bank Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm/CEO: Jonathan W. Harrell CFO: Sandra Ferguson Pres: Joe Ruddell COO: Lindsay Chaney Cash and Due from:.................................... 47,549 Federal Funds and Repos: .................................. 0 Investments: ............................................. 116,903 Net Loans: ................................................ 461,526 Premises and Fixed Assets:........................ 15,487 Other Real Estate: ............................................. 25 Other Assets: .............................................. 21,534 Total Assets: ............................................. 663,024 Total Trust Assets: ............................................... 0 Deposits: .................................................. 533,566 Federal Funds and Borrowings: .................. 54,054 Other Liabilities: ............................................ 5,836 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 593,456 Total Equity Capital: .................................... 69,568 Total Liabilities and Capital: ...................... 663,024 Number of Shares Outstanding: .................... 4,000 Directors: Gina Bennett; Paul Church; Sandra Ferguson; Phillip J. Foster; Benett Harrell; Carl Harrell; Jonathan W. Harrell; Steven D. Harrell; Paul E. Lindsey; James M. Morgan; Richard H. Mosley; Nick Nabholz; John David Neeley; Joe Ruddell; Richard L. Smith; William Titus Branches in Town: None Other Branches: Bentonville, Camden (3), Fayetteville, Hampton, Junction City, Siloam Springs, Van Buren One Hundred and Seventh Report 63 First State Bank Russellville, AR VOICE: (479) 498-2400 FAX: (479) 498-2465 Trust Powers: No 3103 East Main 72802 Charter Number: 663 Date: January 12, 1934 FDIC Certificate Number: 13632 Home Page: www.fsbmybank.com Member of Federal Reserve System Bank Holding Company First State Banking Corporation, Russellville, AR Chm/CEO: Charles Blanchard EVP/CLO: Barton Allen Pres/COO: Charles B. "Chip" Blanchard EVP/Sec: Toni B. Laws Cash and Due from: .................................... 70,801 Federal Funds and Repos: .................................. 0 Investments: .............................................. 103,776 Net Loans:................................................. 257,406 Premises and Fixed Assets: .......................... 6,543 Other Real Estate: ............................................... 0 Other Assets: .............................................. 11,605 Total Assets: ............................................. 450,131 Total Trust Assets: .............................................. 0 Deposits: ................................................... 398,835 Federal Funds and Borrowings: .....................9,013 Other Liabilities:.............................................1,268 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 409,116 Total Equity Capital: ....................................41,015 Total Liabilities and Capital: ....................... 450,131 Number of Shares Outstanding: ..................20,000 Directors: Patty Barker; James C. Biggers; Charles Blanchard; Charles B. "Chip" Blanchard; Terry Freeman; Max L. Mathis, III; Mike W. Miller; Johnny K. Morgan; C. Tim White; Phil Wright Branches in Town: Three Other Branches: Ola Bank of Salem Salem, AR VOICE: (870) 895-2591 FAX: (870) 895-3825 Trust Powers: No 207 West Church Street 72576 Charter Number: 266 Date: December 9, 1908 FDIC Certificate Number: 11243 Home Page: www.bksalem.net Member of Federal Reserve System Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm: Mark Montgomery Pres: Guy R. "Buck" Smith CEO: Michael Falco Cash: Lucinda Bishop Cash and Due from: .................................... 32,102 Federal Funds and Repos: .................................. 0 Investments: ................................................ 16,798 Net Loans:................................................. 114,356 Premises and Fixed Assets: .......................... 1,311 Other Real Estate: ............................................... 0 Other Assets: ................................................ 7,229 Total Assets: ............................................. 171,796 Total Trust Assets: .............................................. 0 Deposits: ................................................... 153,315 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 259 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 153,574 Total Equity Capital: ....................................18,222 Total Liabilities and Capital: ....................... 171,796 Number of Shares Outstanding: ..................19,650 Directors: Michael Falco; D. Karrol Fowlkes; Mark Montgomery; C. Dwayne Plumlee; James "Jim" Short; Guy R. "Buck" Smith; John Ed Welch Branches in Town: None Other Branches: Mammoth Spring, Viola 64 Arkansas State Bank Department Logan County Bank Scranton, AR VOICE: (479) 938-2511 FAX: (479) 938-7084 Trust Powers: No 600 Main Street 72863 Charter Number: 578 Date: April 7, 1926 FDIC Certificate Number: 5632 Home Page: www.logancountybank.net Bank Holding Company None Chm/CEO/Pres: Gary Fritsche VP/Cash: Don Fritsche VP: Adam Fritsche Cash and Due from:...................................... 1,104 Federal Funds and Repos: ........................... 3,250 Investments: ............................................... 51,261 Net Loans: .................................................. 38,415 Premises and Fixed Assets:.......................... 1,370 Other Real Estate: ............................................... 0 Other Assets: ................................................... 754 Total Assets: ............................................... 96,154 Total Trust Assets: ............................................... 0 Deposits: .................................................... 77,925 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 110 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 78,035 Total Equity Capital: .................................... 18,119 Total Liabilities and Capital: ........................ 96,154 Number of Shares Outstanding: .................... 4,000 Directors: Eddie F. Ahne; Don Fritsche; Gary Fritsche; Ronnie L. Layes Branches in Town: None Other Branches: Subiaco First Security Bank Searcy, AR VOICE: (501) 279-3400 FAX: (501) 279-3486 Trust Powers: Yes 314 North Spring 72143 Charter Number: 649 Date: February 6, 1932 FDIC Certificate Number: 5633 Home Page: www.fsbank.com Bank Holding Company First Security Bancorp, Searcy, AR Chm/CEO/Pres: Reynie Rutledge AVP: Mike Hendricks EVP: J. Mark Ferguson TO: Frank Faust Cash and Due from:............................... 1,602,004 Federal Funds and Repos: ......................... 25,325 Investments: .......................................... 3,003,423 Net Loans: ............................................. 3,058,263 Premises and Fixed Assets:...................... 126,883 Other Real Estate: ........................................ 4,604 Other Assets: .............................................. 74,481 Total Assets: .......................................... 7,894,983 Total Trust Assets: ................................. 2,342,411 Deposits: ............................................... 6,054,849 Federal Funds and Borrowings: ................ 542,005 Other Liabilities: .......................................... 21,127 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 6,617,981 Total Equity Capital: ............................... 1,277,002 Total Liabilities and Capital: ................... 7,894,983 Number of Shares Outstanding: .................. 24,000 Directors: Dr. David Burks; J. Mark Ferguson; Michael C. Hutsell; Steve Lightle; John McKnight; Wayne Ridout; Dr. Porter R. Rodgers, Jr.; Adam Rutledge; John Rutledge, Jr.; Nathan Rutledge; Reynie Rutledge; William Scholl; Jim Tarkington; James G. Wilson Branches in Town: Three Other Branches: Beebe (3), Benton (3), Bentonville (2), Bryant (3), Bull Shoals, Cabot (3), Centerton, Clarksville (2), Clinton, Conway (5), Farmington, Fayetteville (5), Fort Smith, Gassville, Greenbrier, Heber Springs (2), Hot Springs (3), Jonesboro (3), Judsonia, Little Rock (8), Lowell, Maumelle, Mayflower, McRae, Mountain Home (4), Mountain View, North Little Rock (3), Pangburn, Rogers (3), Russellville (2), Sherwood, Springdale (5), Vilonia One Hundred and Seventh Report 65 Peoples Bank Sheridan, AR VOICE: (870) 942-5707 FAX: (870) 942-2489 Trust Powers: No 1120 S. Rock Street 72150 Charter Number: 786 Date: September 11, 2000 FDIC Certificate Number: 57058 Home Page: www.peoplesbankar.com Member of Federal Reserve System Bank Holding Company Peoples Bancorp, Inc., Sheridan, AR CEO/Pres: Craig L. Manatt Cont: Aaron Reed SVP: G. Jannette Jones Cash and Due from: .................................... 24,163 Federal Funds and Repos: .................................. 0 Investments: ................................................ 69,843 Net Loans:................................................... 91,204 Premises and Fixed Assets: .......................... 2,124 Other Real Estate: ............................................... 0 Other Assets: ................................................ 4,341 Total Assets: ............................................. 191,675 Total Trust Assets: .............................................. 0 Deposits: ................................................... 162,309 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 838 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 163,147 Total Equity Capital: ....................................28,528 Total Liabilities and Capital: ....................... 191,675 Number of Shares Outstanding: ..................56,562 Directors: Dannie L. Brown; Donald L. Hedden; Gary D. Hines; James W. Lancaster; Craig L. Manatt; John D. Manatt; Shelby L. Taylor; Alvin L. Upton; David L. Wells; Brent Winston Branches in Town: None Other Branches: Little Rock Smackover State Bank Smackover, AR VOICE: (870) 725-3051 FAX: (870) 725-3049 Trust Powers: Yes 708 North Broadway 71762 Charter Number: 600 Date: April 18, 1928 FDIC Certificate Number: 5623 Home Page: www.smackoverbank.com Bank Holding Company Smackover Bancshares, Inc., Smackover, AR Chm: J. Drew Tennyson VP: Tresa White CEO/Pres: James B. Yeager Cash and Due from: .................................... 12,729 Federal Funds and Repos: .......................... 11,975 Investments: ................................................ 84,058 Net Loans:................................................... 85,266 Premises and Fixed Assets: .......................... 1,999 Other Real Estate: ............................................... 0 Other Assets: ...................................................991 Total Assets: ............................................. 197,018 Total Trust Assets: .............................................. 0 Deposits: ................................................... 170,823 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 607 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 171,430 Total Equity Capital: ....................................25,588 Total Liabilities and Capital: ....................... 197,018 Number of Shares Outstanding: ................ 100,000 Directors: Dr. Richard K. Davis, Jr.; Gary deYampert; Charles J. Foot; Charles L. Tennyson; J. Drew Tennyson; James B. Yeager Branches in Town: None Other Branches: El Dorado (2), Norphlet 66 Arkansas State Bank Department Riverside Bank Sparkman, AR VOICE: (870) 678-2251 FAX: (870) 678-2401 Trust Powers: No Commerce & Main Streets 71763 Charter Number: 457 Date: September 19, 1916 FDIC Certificate Number: 93 Home Page: www.riversidebanc.com Bank Holding Company Riverside Bancshares, Inc., Little Rock, AR CEO/VChm: Stephen C. Davis Pres: Robert G. Dudley, Jr. Cash and Due from:...................................... 1,631 Federal Funds and Repos: ........................... 6,125 Investments: ................................................. 1,385 Net Loans: .................................................. 47,562 Premises and Fixed Assets:.......................... 2,068 Other Real Estate: ........................................... 621 Other Assets: ................................................ 2,126 Total Assets: ............................................... 61,518 Total Trust Assets: ............................................... 0 Deposits: .................................................... 52,593 Federal Funds and Borrowings: .................... 3,000 Other Liabilities: ............................................... 246 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 55,839 Total Equity Capital: ...................................... 5,679 Total Liabilities and Capital: ........................ 61,518 Number of Shares Outstanding: .................... 3,000 Directors: Stephen C. Davis; Robert G. Dudley, Jr.; Charles T. Gaston; David Matchet; Donny White Branches in Town: None Other Branches: Little Rock United Bank Springdale, AR VOICE: (479) 756-8811 FAX: (866) 897-2839 Trust Powers: Yes 2600 South Thompson Street Charter Number: 794 72764 Date: June 11, 2014 FDIC Certificate Number: 32025 Home Page: www.united-bk.com Member of Federal Reserve System Bank Holding Company United Holding Company, Inc., Springdale, AR CEO/Pres: Nathan Gairhan EVP/CLO: Sonny Delgado EVP/CFO: Paige Mulhollan Cash and Due from:.................................... 39,274 Federal Funds and Repos: .................................. 0 Investments: ................................................. 4,592 Net Loans: ................................................ 186,177 Premises and Fixed Assets:.......................... 7,042 Other Real Estate: ............................................... 0 Other Assets: ................................................ 2,593 Total Assets: ............................................. 239,678 Total Trust Assets: ............................................... 0 Deposits: .................................................. 208,118 Federal Funds and Borrowings: .................... 6,232 Other Liabilities: ............................................ 1,629 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 215,979 Total Equity Capital: .................................... 23,699 Total Liabilities and Capital: ...................... 239,678 Number of Shares Outstanding: ................ 100,000 Directors: Tom Allen; John Ervin; Nathan Gairhan; Michele A. Harrington; Nick Hobbs; Darrin Pitts; Donnie Pitts; John Scott; Craig Young Branches in Town: One Other Branches: Fayetteville, Rogers One Hundred and Seventh Report 67 Bodcaw Bank Stamps, AR VOICE: (870) 533-4486 FAX: (870) 533-4456 Trust Powers: No 307 Thomas Street 71860 Charter Number: 106 Date: December 8, 1902 FDIC Certificate Number: 5624 Home Page: www.bodcawbank.com Bank Holding Company Bodcaw Bancshares, Inc., Stamps, AR CEO/Pres: Korey N. Keith EVP: Jeff White EVP: Gina Gore VP: Jennifer Miller Cash and Due from: ...................................... 5,544 Federal Funds and Repos: .................................. 0 Investments: ................................................ 22,406 Net Loans:................................................. 118,971 Premises and Fixed Assets: .......................... 2,821 Other Real Estate: ..............................................93 Other Assets: ................................................ 1,360 Total Assets: ............................................. 151,195 Total Trust Assets: .............................................. 0 Deposits: ................................................... 130,173 Federal Funds and Borrowings: .....................3,100 Other Liabilities:............................................... 350 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 133,623 Total Equity Capital: ....................................17,572 Total Liabilities and Capital: ....................... 151,195 Number of Shares Outstanding: ..................10,000 Directors: James T. Alford; D. Copie Dickson; Korey N. Keith; W. Steve Keith; Chris Lannom; Danny K. Smith; John W. Smith, Jr.; Jeff L. White Branches in Town: None Other Branches: Magnolia Connect Bank Star City, AR VOICE: (870) 628-4286 FAX: (870) 628-5274 Trust Powers: No 116 North Lincoln 71667 Charter Number: 567 Date: April 27, 1925 FDIC Certificate Number: 5634 Home Page: www.connectbank.us Member of Federal Reserve System Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Marion Burge Ryburn Pres: R. Mark Owen Cash and Due from: ...................................... 7,956 Federal Funds and Repos: .................................. 0 Investments: ................................................ 30,209 Net Loans:................................................... 65,506 Premises and Fixed Assets: .......................... 3,410 Other Real Estate: ..............................................42 Other Assets: ................................................ 4,099 Total Assets: ............................................. 111,222 Total Trust Assets: .............................................. 0 Deposits: .....................................................91,672 Federal Funds and Borrowings: .....................3,032 Other Liabilities:............................................... 130 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................94,834 Total Equity Capital: ....................................16,388 Total Liabilities and Capital: ....................... 111,222 Number of Shares Outstanding: ..................15,000 Directors: Keith D. Griffin; R. Mark Owen; Marion Burge Ryburn; Kevin White; Barry Wood Branches in Town: None Other Branches: Dumas, Pine Bluff (2), White Hall Arkansas State Bank Department 68 Security Bank Stephens, AR VOICE: (870) 786-5416 FAX: (870) 786-5419 Trust Powers: No 105 Ruby Street 71764 Charter Number: 692 Date: February 8, 1946 FDIC Certificate Number: 16395 Home Page: www.secbnk.com Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm: Carol Reaves EVP/CFO/COO: Cheryl Brown CEO/Pres: Guy R. "Buck" Smith Cash and Due from:...................................... 7,586 Federal Funds and Repos: .............................. 150 Investments: ................................................. 4,521 Net Loans: .................................................. 48,401 Premises and Fixed Assets:.......................... 1,416 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,987 Total Assets: ............................................... 64,061 Total Trust Assets: ............................................... 0 Deposits: .................................................... 55,960 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 1,131 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 57,091 Total Equity Capital: ...................................... 6,970 Total Liabilities and Capital: ........................ 64,061 Number of Shares Outstanding: .................. 20,000 Directors: Duncan Grayson; Carol Reaves; Guy R. "Buck" Smith Branches in Town: None Other Branches: None The Farmers and Merchants Bank Stuttgart, AR VOICE: (870) 673-6911 FAX: (870) 672-4282 Trust Powers: Yes 708 S. Main Street 72160 Charter Number: 687 Date: December 29, 1944 FDIC Certificate Number: 16216 Home Page: www.mebanking.com Member of Federal Reserve System Bank Holding Company The Farmers and Merchants Bankshares, Inc., Stuttgart, AR Chm: Mickey Pierce TO: Craig Boone CEO/Pres: Brad Chambless Cash and Due from:.................................... 43,032 Federal Funds and Repos: ......................... 47,578 Investments: ............................................. 365,457 Net Loans: ............................................. 1,032,754 Premises and Fixed Assets:........................ 35,036 Other Real Estate: ........................................ 1,255 Other Assets: ............................................ 127,075 Total Assets: .......................................... 1,652,187 Total Trust Assets: .................................... 344,033 Deposits: ............................................... 1,415,260 Federal Funds and Borrowings: .................. 18,476 Other Liabilities: .......................................... 11,105 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,444,841 Total Equity Capital: .................................. 207,346 Total Liabilities and Capital: ................... 1,652,187 Number of Shares Outstanding: .................... 1,000 Directors: Gerald Carter; Brad Chambless; Greg Connell; Gary Hudson; Kyle Ludwig; Dr. Chris Morgan; Mickey Pierce Branches in Town: Four Other Branches: Bentonville, Des Arc, DeWitt, Farmington, Fayetteville (5), Flippin, Gassville, Hazen, Jonesboro, Lakeview, Morrilton, Mountain Home (2), Perryville, Pocahontas (2), Prairie Grove, West Fork One Hundred and Seventh Report 69 Citizens Bank & Trust Company Van Buren, AR VOICE: (479) 474-1201 FAX: (479) 410-1340 Trust Powers: Yes 3110 Alma Highway 72956 Charter Number: 328 Date: December 20, 1910 FDIC Certificate Number: 8738 Home Page: www.cbankandtrust.com Member of Federal Reserve System Bank Holding Company First Bank Corp., Fort Smith, AR CEO/Pres: P. Brent Taylor SVP: Joe Dan Stewart EVP: Lance L. Lanier TO: Cindy Winborn Cash and Due from: .................................. 108,548 Federal Funds and Repos: .................................. 0 Investments: .............................................. 148,731 Net Loans:................................................. 234,549 Premises and Fixed Assets: .......................... 4,017 Other Real Estate: ............................................... 0 Other Assets: .............................................. 14,151 Total Assets: ............................................. 509,996 Total Trust Assets: ...................................... 21,056 Deposits: ................................................... 443,861 Federal Funds and Borrowings: .....................5,000 Other Liabilities:.............................................1,425 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 450,286 Total Equity Capital: ....................................59,710 Total Liabilities and Capital: ....................... 509,996 Number of Shares Outstanding: ..................16,000 Directors: J. Kevin Bell; Mont S. Echols, Jr.; Morril H. Harriman; D. Keith Hefner; L. Scott McBrayer; Brett D. Peters; Paul D. Shirley; Jeremy S. Simon; P. Brent Taylor; James G. Williamson, Jr. Branches in Town: Three Other Branches: Alma, Cedarville, Mountainburg First State Bank of Warren Warren, AR VOICE: (870) 226-2601 FAX: (870) 226-2253 Trust Powers: Yes 104 S. Main Street 71671 Charter Number: 739 Date: December 12, 1978 FDIC Certificate Number: 94 Home Page: www.firststatewarren.com Member of Federal Reserve System Bank Holding Company Bradley Bancshares, Inc., Warren, AR Chm/CEO: Bennie Ryburn, III EVP/TO: Hugh A. Quimby Cash and Due from: .................................... 23,881 Federal Funds and Repos: .................................. 0 Investments: ................................................ 56,696 Net Loans:................................................... 46,948 Premises and Fixed Assets: .............................914 Other Real Estate: ............................................116 Other Assets: ................................................ 4,516 Total Assets: ............................................. 133,071 Total Trust Assets: ...........................................215 Deposits: ................................................... 119,855 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 314 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 120,169 Total Equity Capital: ....................................12,902 Total Liabilities and Capital: ....................... 133,071 Number of Shares Outstanding: ..................59,000 Directors: Roger George; Robert Green, Jr.; Hugh A. Quimby; Bennie Ryburn, III; Ray Ryburn; Dr. Joe H. Wharton Branches in Town: One Other Branches: Hampton, Hermitage 70 Arkansas State Bank Department Warren Bank and Trust Company Warren, AR VOICE: (870) 226-2621 FAX: (870) 226-6261 Trust Powers: Yes 201 South Main 71671 Charter Number: 80 Date: December 28, 1901 FDIC Certificate Number: 81 Home Page: www.warrenbanktrust.com Member of Federal Reserve System Bank Holding Company None Chm: John B. Frazer, Jr. Pres/TO: Kelly Ashcraft VChm: Thomas Frazer Cash and Due from:...................................... 4,482 Federal Funds and Repos: ........................... 2,425 Investments: ............................................... 81,334 Net Loans: .................................................. 50,864 Premises and Fixed Assets:............................. 458 Other Real Estate: ............................................... 6 Other Assets: ................................................ 1,118 Total Assets: ............................................. 140,687 Total Trust Assets: ...................................... 22,170 Deposits: .................................................. 114,489 Federal Funds and Borrowings: .................... 2,620 Other Liabilities: ............................................... 114 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 117,223 Total Equity Capital: .................................... 23,464 Total Liabilities and Capital: ...................... 140,687 Number of Shares Outstanding: .................. 48,000 Directors: Kelly Ashcraft; Dr. Donnie R. Bryant; Gerald D. Burton; John B. Frazer, Jr.; Thomas Frazer; Dr. Rocky K. Lindsey; Jeffrey B. McGaha; Dr. Kerry F. Pennington Branches in Town: Two Other Branches: Hermitage Evolve Bank & Trust West Memphis, AR VOICE: (901) 624-5500 FAX: (901) 624-5540 Trust Powers: Yes 301 Shoppingway Boulevard 72301-1719 Charter Number: 568 Date: June 5, 1925 FDIC Certificate Number: 1299 Home Page: www.getevolved.com Member of Federal Reserve System Bank Holding Company Evolve Bancorp, Inc., West Memphis, AR Chm: B. Scot Lenoir EVP/CFO: Mark Mosteller CEO/Pres: Scott Stafford Cont: Robin Bedsole Cash and Due from:.................................. 134,334 Federal Funds and Repos: .............................. 350 Investments: ............................................... 15,116 Net Loans: ................................................ 523,547 Premises and Fixed Assets:.......................... 4,510 Other Real Estate: ........................................... 660 Other Assets: .............................................. 33,147 Total Assets: ............................................. 711,664 Total Trust Assets: ................................. 6,915,574 Deposits: .................................................. 508,484 Federal Funds and Borrowings: .................. 81,331 Other Liabilities: .......................................... 59,740 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 649,555 Total Equity Capital: .................................... 62,109 Total Liabilities and Capital: ...................... 711,664 Number of Shares Outstanding: .................... 4,000 Directors: Alvinor Bright, Jr.; Donald Clanton; Lewis Holland; B. Scot Lenoir; Lon Magness; John T. Pitts, Jr.; Scott Stafford; Stephen Valentine Branches in Town: None Other Branches: Memphis[TN], Parkin, Wynne One Hundred and Seventh Report 71 Fidelity Bank West Memphis, AR VOICE: (870) 735-8700 FAX: (870) 735-0065 Trust Powers: Yes 330 West Broadway Street 72301 Charter Number: 804 Date: June 27, 2019 FDIC Certificate Number: 19644 Home Page: www.fidelitybanker.com Member of Federal Reserve System Bank Holding Company Carlson Bancshares, Inc., West Memphis, AR CEO/Pres: Charles E. Horton EVP: Andy Horton EVP: Kirby H. Carlson SVP/CFO: Chris Blaylock Cash and Due from: ...................................... 5,295 Federal Funds and Repos: ............................ 2,070 Investments: .............................................. 280,616 Net Loans:................................................. 223,399 Premises and Fixed Assets: .......................... 3,316 Other Real Estate: ............................................... 1 Other Assets: ................................................ 8,939 Total Assets: ............................................. 523,636 Total Trust Assets: .............................................. 0 Deposits: ................................................... 461,960 Federal Funds and Borrowings: .....................2,500 Other Liabilities:.............................................1,981 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 466,441 Total Equity Capital: ....................................57,195 Total Liabilities and Capital: ....................... 523,636 Number of Shares Outstanding: ..................20,000 Directors: Jack D. Avery; Kirby H. Carlson; Michael A. Carlson; William A. Carlson; Glen F. Fenter; Dr. Edgar S. "Scott" Ferguson, MD; Charles E. Horton; Marlene Keenan; Dr. Trent P. Pierce, MD; James R. "Jim" Pugh, III; Noah S. "Ness" Sechrest; John R. "Robert" Walker, III Branches in Town: One Other Branches: Marion (2) Cross County Bank Wynne, AR VOICE: (870) 238-8171 FAX: (870) 238-4052 Trust Powers: Yes 1 Cross County Plaza 72396 Charter Number: 25 Date: June 5, 1891 FDIC Certificate Number: 13821 Home Page: www.crosscountybank.com Bank Holding Company Cross County Bancshares, Inc., Wynne, AR Chm: Dr. Willard G. Burks SVP/CFO: Beth Dildine CEO/Pres/TO: David Dowd SVP/CLO: King Casbeer Cash and Due from: .................................... 20,907 Federal Funds and Repos: .................................. 0 Investments: .................................................. 6,785 Net Loans:................................................. 268,087 Premises and Fixed Assets: .......................... 6,430 Other Real Estate: ............................................627 Other Assets: ................................................ 8,130 Total Assets: ............................................. 310,966 Total Trust Assets: ...................................... 17,732 Deposits: ................................................... 272,352 Federal Funds and Borrowings: ....................... 832 Other Liabilities:............................................... 387 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 273,571 Total Equity Capital: ....................................37,395 Total Liabilities and Capital: ....................... 310,966 Number of Shares Outstanding: ....................4,000 Directors: Dr. Willard G. Burks; Ronald R. Caldwell; Guy E. Fisher; Pete L. Imboden, III; Kenneth L. Johnson, Jr.; R. Vance Lawson; Thomas W. Morgan, Jr.; Roger E. Pohlner; Donald L. Reddmann; R. Joe Rennicke Branches in Town: One Other Branches: Blytheville, Brinkley, Cherry Valley, Hickory Ridge, Jonesboro, Manila, Osceola REPORT OF THE STATE CHARTERED NON-PROFIT ORGANIZATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2021 74 Arkansas State Bank Department Arkansas Capital Corporation Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Trust Powers: No Chm: Kevin Burns CEO: Rush B. Deacon 200 River Market Avenue, Suite 400 72201 Charter Number: 2000 Date: May 2, 2017 County: Pulaski Home Page: www.arcapital.com Bank Holding Company None Pres/COO: Sam Walls, III Cash and Due from:...................................... 7,637 Federal Funds and Repos: .................................. 0 Investments: ................................................. 6,730 Net Loans: .................................................. 46,621 Premises and Fixed Assets:............................. 655 Other Real Estate: ............................................... 0 Other Assets: ................................................ 2,226 Total Assets: ............................................... 63,869 Total Trust Assets: ............................................... 0 Deposits: ............................................................. 0 Federal Funds and Borrowings: .................. 47,487 Other Liabilities: ............................................ 1,283 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 48,770 Total Equity Capital: .................................... 15,099 Total Liabilities and Capital: ........................ 63,869 Number of Shares Outstanding: ....................... 987 Directors: Jeff Amerine; Kevin Burns; Rush B. Deacon; Jill Floyd; Robert "Ted" Gammill; Russell Guerra; Karen Marine; Emily McElroy; Virgil L. Miller, Jr.; Martha Moore; Caroll Penick; Sherrie Randall; Bryan Scoggins; David H. Shindler; William T. Staed; Lorrie Trogden Branches in Town: None Other Branches: None REPORT OF THE STATE CHARTERED TRUST COMPANY (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2021 Arkansas State Bank Department 76 Community First Trust Company Hot Springs, AR VOICE: (501) 520-3660 FAX: (501) 520-3667 135 Section Line Road, C-1 71913 Charter Number: 35001 Date: Jun. 17, 1998 County: Garland Home Page: www.communityfirsttrust.com Pres/CEO: William L. Kerst, Jr. CFO: Leslie A. Ballentine Directors: Drew Chandler; Chris Gosnell; William L. Kerst, Jr.; Bruce Maloch; Brad Smith Branches in Town: None Other Branches: El Dorado, Hot Springs Village, Little Rock, Russellville REPORT OF THE REGIONAL/COUNTY INDUSTRIAL DEVELOPMENT CORPORATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2021 Arkansas State Bank Department 78 Perry County Industrial Development Corporation Perryville, AR VOICE: (501) 454-0330 FAX: (501) 889-2966 Pres: John C. “Chris” Branscum VP: Donald C. Crain P. O. Box 869 72126-0869 Charter Number: 30003 Date: August 18, 1994 County: Perry Treas: Mark Roland ALL COMMERCIAL BANKS HEADQUARTERED IN ARKANSAS, LISTED BY COUNTY AND A MAP IDENTIFYING ALL OF THE STATE’S 75 COUNTIES JUNE 30, 2021 Arkansas State Bank Department 80 COUNTY BANK CITY Arkansas The Farmers and Merchants Bank Stuttgart Ashley Home Bank of Arkansas Portland Benton Generations Bank Rogers Bradley First State Bank of Warren Warren Bank and Trust Company Warren Warren Carroll First National Bank of North Arkansas CS Bank Anstaff Bank Chicot The Bank of Lake Village Lake Village Clark Southern Bancorp Bank Arkadelphia Clay Piggott State Bank Cleveland Gateway Bank Columbia Farmers Bank and Trust Company The Peoples Bank Magnolia Magnolia Conway Petit Jean State Bank Morrilton Craighead Premier Bank of Arkansas Jonesboro Crawford Citizens Bank & Trust Company Van Buren Crittenden Evolve Bank & Trust Fidelity Bank Cross Cross County Bank Dallas FBT Bank & Mortgage Riverside Bank Fordyce Sparkman Desha Merchants & Farmers Bank First NaturalState Bank McGehee Bank Dumas McGehee McGehee Drew Commercial Bank & Trust Company Union Bank And Trust Company Monticello Monticello Faulkner Centennial Bank First Service Bank Conway Greenbrier Fulton Bank of Salem Grant Peoples Bank Berryville Eureka Springs Green Forest Piggott Rison West Memphis West Memphis Wynne Salem Sheridan One Hundred and Seventh Report 81 COUNTY BANK CITY Greene First National Bank Hot Spring The Malvern National Bank Independence First Community Bank The Citizens Bank Izard The First National Bank of Izard County Jackson Merchants & Planters Bank Jefferson Relyance Bank, National Association Simmons Bank Lafayette Community State Bank Bodcaw Bank Lawrence The First National Bank of Lawrence County Lincoln Connect Bank Logan First Western Bank The First National Bank at Paris Logan County Bank Lonoke Bank of England First State Bank Madison Today’s Bank Huntsville Mississippi Farmers Bank And Trust Company Blytheville Monroe The Merchants and Planters Bank Clarendon Ouachita Bank of Bearden Security Bank Phillips Partners Bank Pike Bank of Delight Diamond Bank Polk The Union Bank of Mena Pope First State Bank Pulaski First Arkansas Bank & Trust Bank of Little Rock Bank OZK Central Bank Paragould Malvern Batesville Batesville Calico Rock Newport Pine Bluff Pine Bluff Bradley Stamps Walnut Ridge Star City Booneville Paris Scranton England Lonoke Bearden Stephens Helena Delight Murfreesboro Mena Russellville Jacksonville Little Rock Little Rock Little Rock Arkansas State Bank Department 82 COUNTY BANK Eagle Bank & Trust Company Encore Bank CITY Little Rock Little Rock Randolph RiverBank Pocahontas Sebastian The First National Bank of Fort Smith Farmers Bank Fort Smith Greenwood Sevier First State Bank of DeQueen Horatio State Bank DeQueen Horatio Sharp FNBC Bank Bank of Cave City Ash Flat Cave City St. Francis Armor Bank First National Bank of Eastern Arkansas Stone Stone Bank Union First Financial Bank Smackover State Bank El Dorado Smackover Washington Arvest Bank Signature Bank of Arkansas Legacy National Bank United Bank Fayetteville Fayetteville Springdale Springdale White First Security Bank Woodruff RiverWind Bank Augusta Yell Chambers Bank Danville Forrest City Forrest City Mountain View Searcy MAP OF ARKANSAS COUNTIES ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2021 86 Arkansas State Bank Department Southern Bancorp Inc. Arkadelphia, AR RSSD Number: 1248939 VOICE: (501) 850-8969 FAX: (501) 537-1193 Chm: Glen Jones CEO: Darrin Williams 605 Main Street, Suite 202 400 Hardin Road, Suite 100 71923 CFO: Christopher Wewers Subsidiaries: Southern Bancorp Bank Southern Bancorp Bank 1 Investment Fund I, LLC Southern Bancorp CDE, LLC Southern Bancorp Investment Fund II, LLC Southern Bancorp Investment Fund III, LLC Southern Landlord, LLC Southern Development Capital Trust Southern Development Statutory Trust III Southern Development Statutory Trust IV Southern Property Corporation of the Delta SBI Acquisition II, Inc. Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Little Rock, AR FNBC Bancorp, Inc. Ash Flat, AR RSSD Number: 1099690 VOICE: (870) 994-2311 FAX: (870) 257-1889 CEO/Pres: Martin Carpenter VP: Marty Sellars Subsidiaries: FNBC Bank FNBC Capital Trust I 636 Ash Flat Drive P. O. Box 8 72513 Sec: Terri French Sec: Morris Street Ash Flat, AR Ash Flat, AR One Hundred and Seventh Report 87 Citizens Bancshares of Batesville, Inc. Batesville, AR RSSD Number: 1131077 VOICE: (870) 793-4441 FAX: (870) 698-6299 655 St. Louis Street P. O. Box 2156 72501 CEO: Jeffery Teague Pres/CLO: Adam Mitchell EVP/CFO: Karen Shaw Subsidiaries: The Citizens Bank Citizens Bancshares (AR) Statutory Trust I Batesville, AR Batesville, AR First Community Bancshares, Inc. Batesville, AR RSSD Number: 2641694 VOICE: (870) 612-3400 FAX: (870) 612-3412 1325 Harrison Street P. O. Box 4327 72501 Chm/CEO/Pres: Dale E. Cole EVP: Boris A. Dover CFO: Jason Taylor Sec: Dianne Lamberth Subsidiaries: First Community Bank Batesville Insurance Agency, Inc. Community Business Resources, LLC WR Holding Co., LLC Batesville, AR Batesville, AR Batesville, AR Batesville, AR Bearden Bancshares, Inc. Bearden, AR RSSD Number: 2993722 VOICE: (870) 687-2233 FAX: (870) 687-2474 Pres: Rick Green Subsidiaries: Bank of Bearden BBI Insurance Agency, Inc. 1 Second Street P. O. Box 135 71720 Sec: Ken Riley Bearden, AR Bearden, AR 88 Arkansas State Bank Department Arvest Bank Group, Inc. Bentonville, AR RSSD Number: 1095674 VOICE: (479) 464-1500 FAX: (479) 464-1540 110 NW 2nd Street, Suite 300 P. O. Box 1860 72712 Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Sec: Karla Payne Subsidiaries: Arvest Holdings, Inc. Arvest Bank Arvest Central Mortgage Company 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. Southwest Cattlemen's Corporation Superior Finance Company CFB Aviation, LLC Bentonville, AR Fayetteville, AR Little Rock, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Rogers, AR Springdale, AR Joplin, MO Tulsa, OK Tulsa, OK Bentonville, AR Arvest Holdings, Inc. Bentonville, AR RSSD Number: 1845673 VOICE: (479) 464-1500 FAX: (479) 464-1540 110 NW 2nd Street, Suite 300 P. O. Box 1860 72712 Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Bank Arvest Central Mortgage Company 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. Southwest Cattlemen's Corporation Superior Finance Company Sec: Karla Payne Fayetteville, AR Little Rock, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Rogers, AR Springdale, AR Joplin, MO Tulsa, OK Tulsa, OK One Hundred and Seventh Report 89 Farmers Bancorp, Inc. Blytheville, AR RSSD Number: 1247615 VOICE: (870) 763-8101 FAX: (870) 763-3500 400 West Main Street P. O. Box 688 72316 Chm/Pres: Randy Scott Subsidiaries: Farmers Bank And Trust Company Blytheville, AR First Western Bancshares ESOT Booneville, AR RSSD Number: 2628994 VOICE: (479) 675-0369 FAX: (479) 675-0751 80 West Main P. O. Box 87 72927 Chm: Ty Hampton Subsidiaries: First Western Bancshares, Inc. First Western Bank First Western Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Statutory Trust II First Western Statutory Trust III Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR First Western Bancshares, Inc. Booneville, AR RSSD Number: 1100091 VOICE: (479) 675-0369 FAX: (479) 675-0751 80 West Main P. O. Box 87 72927 Bank Holding Company First Western Bancshares ESOT, Booneville, AR Chm/CEO: John T. Hampton Pres: Ty Hampton Subsidiaries: First Western Bank First Western Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Statutory Trust II First Western Statutory Trust III VP/Sec: Debbie Danekas Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Arkansas State Bank Department 90 Harrell Bancshares, Inc. Camden, AR RSSD Number: 2352196 VOICE: (479) 986-3960 FAX: (479) 986-3999 1325 Hwy 278 Bypass 3710 Southern Hills Blvd, Suite 100 71701 Pres: Jonathan W. Harrell CFO: Sandra Ferguson Sec: Maxwell Harrell Subsidiaries: Generations Bank Rogers, AR Sharp Bancshares, Inc. Cave City, AR RSSD Number: 1099663 VOICE: (870) 283-5301 FAX: (870) 283-6466 137 South Main P. O. Box 490 72521 Chm: Samuel F. Beller CEO/Pres: John Beller VChm: Bruce Street CFO: Kim Nunally Subsidiaries: Bank of Cave City Cave City Properties, Inc. Cave City, AR Cave City, AR Clarendon Holding Co. Clarendon, AR RSSD Number: 1099252 VOICE: (870) 747-3319 FAX: (870) 747-3498 Chm: J. Baxter Sharp, III Subsidiaries: The Merchants and Planters Bank 297 Madison Street P. O. Box 280 72029 CEO/Pres: J. Kendall Henry Clarendon, AR One Hundred and Seventh Report 91 Home BancShares, Inc. Conway, AR RSSD Number: 1491409 VOICE: (501) 328-4770 FAX: (501) 328-4890 719 Harkrider Street, Suite 100 P. O. Box 966 72032 Chm/CEO: John W. Allison CFO: Brian Davis COO: Stephen Tipton Subsidiaries: Centennial Bank Centennial Insurance Agency, Inc. Boomer Air LLC Centennial AAC NMTC Fund, LLC Freedom Insurance Group, Inc. Cook Insurance Agency, Inc. Regent Bank Project Finance, Inc. Centennial AL Holdings, Inc. HBI Insurance, Inc. Centennial (AR) Statutory Trust I Liberty Statutory Trust 1 Liberty Statutory Trust II Regent Capital Trust II Regent Capital Trust III Russellville Statutory Trust I Conway, AR Cabot, AR Conway, AR Conway, AR Jonesboro, AR Apalachicola, FL Davie, FL New York, NY Conway, AR Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Chambers Bancshares, Inc. Danville, AR RSSD Number: 1141487 VOICE: (479) 495-4648 FAX: (479) 495-4769 Chm/CEO/Pres: John Ed Chambers, III CFO: Landi Mkhize Subsidiaries: Chambers Bank Sloan Capital Trust I 105 East 9th Street P. O. Box 1330 72833 COO: Mike Donnell Danville, AR Danville, AR Arkansas State Bank Department 92 First State Bancshares, Inc. DeQueen, AR RSSD Number: 2032724 VOICE: (870) 642-4423 FAX: (870) 642-2847 402 West Collin Raye Drive P. O. Box 970 71832 Chm: Dennis Smiley CEO/Pres: Noel L. Bard Subsidiaries: First State Bank of DeQueen First State DeQueen Statutory Trust I DeQueen, AR Wilmington, DE M & F Financial Corporation Dumas, AR RSSD Number: 1099506 VOICE: (870) 382-4311 FAX: (870) 382-5901 Chm/CEO: L. Ashton Adcock Pres: B. Page Gill 500 Highway 65 South P. O. Box 187 71639 EVP: Betty B. Trites Sec: Price Boney Subsidiaries: Merchants & Farmers Bank Dumas, AR First Financial Banc Corporation El Dorado, AR RSSD Number: 2568102 VOICE: (870) 863-7000 FAX: (870) 881-5393 CEO/Pres: Chris Hegi EVP/CFO: Melissa Jerry 214 North Washington Street P. O. Box 1754 71730 EVP: Craig Mobley Sec: Debra Martin Subsidiaries: First Financial Bank First Title Services, Inc. First Financial Banc Corporation Statutory Trust I First Financial Statutory Trust III El Dorado, AR El Dorado, AR El Dorado, AR El Dorado, AR One Hundred and Seventh Report 93 MHBC Investments Limited Partnership, I LLLP England, AR RSSD Number: 2795083 VOICE: (501) 842-2555 FAX: (501) 842-2422 123 South Main Street P. O. Box 70 72046 Chm: Gregory Hopkins CEO: Allen Evans Pres: Gary Canada, Jr. CFO: Amanda Robinson Subsidiaries: Canada Bancshares, Inc. Bank of England BOE Acquisition Company, Inc. BOE Mortgage, LLC BOE Leasing, LLC England, AR England, AR England, AR England, AR Little Rock, AR Canada Bancshares, Inc. England, AR RSSD Number: 5081385 VOICE: (501) 842-2555 FAX: (501) 842-2422 123 South Main Street P. O. Box 70 72046 Bank Holding Company MHBC Investments Limited Partnership, I LLLP, England, AR Chm/CEO: Gary Canada, Sr. Pres: Gary Canada, Jr. Subsidiaries: Bank of England BOE Acquisition Company, Inc. BOE Mortgage, LLC BOE Leasing, LLC England, AR England, AR England, AR Little Rock, AR Eureka Bancshares, Inc. Eureka Springs, AR RSSD Number: 2941769 VOICE: (479) 253-3000 FAX: (479) 253-3004 Chm/CEO/Pres: John F. Cross VChm: Lewis E. Epley, Jr. Subsidiaries: CS Bank 70 South Main P. O. Box 309 72632 Sec: Charles T. Cross Eureka Springs, AR Arkansas State Bank Department 94 White River Bancshares Company Fayetteville, AR RSSD Number: 3306589 VOICE: (479) 684-3700 FAX: (479) 684-3795 3878 N. Crossover Road, Suite 20 P. O. Box 8550 72703 Chm/CEO/Pres: Gary R. Head COO/Treas: Brant Ward CFO: Edward Riendeau Subsidiaries: Signature Bank of Arkansas Fayetteville, AR FBT Bancshares, Inc. Fordyce, AR RSSD Number: 1099092 VOICE: (870) 352-3107 FAX: (870) 352-5202 200 West 4th Street 71742 Chm/CEO/Pres: James V. Hulse, Jr. EVP: Lance Nutt SVP: Janie Daniell SVP: David Sisson Subsidiaries: FBT Bank & Mortgage Fordyce, AR First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (479) 782-2041 FAX: (479) 788-4602 Chm: Mont S. Echols, Jr. CEO/Pres: Sam T. Sicard Subsidiaries: The First National Bank of Fort Smith Special L P, LLC Citizens Bank & Trust Company PMF, Inc. V B Senior Housing Limited Partnership BHC Insurance FBC Acquisition, Inc. First Asset Holdings, LLC Placid Hills Limited Partnership Placid Hills Management, LLC Realty Appraisals, Inc. 602 Garrison Avenue P. O. Box 7 72902 VP: James G. Williamson, Jr. Fort Smith, AR Fort Smith, AR Van Buren, AR Van Buren, AR Van Buren, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR One Hundred and Seventh Report 95 Bainum Bancorp Glenwood, AR RSSD Number: 1491333 VOICE: (870) 356-2121 FAX: (870) 356-6327 205 Hwy 70 East P. O. Box 500 71943 Chm/CEO: Timothy E. Bainum CFO: Laura Habighorst Subsidiaries: Diamond Bank Murfreesboro, AR First National Bancorp, Inc. Green Forest, AR RSSD Number: 2619349 VOICE: (870) 438-5214 FAX: (870) 438-5412 100 First National Avenue P. O. Box 1900 72638 Chm/Pres: Stephen Stafford SVP: Shelby Bruffett Sec: L. Scott Stafford Subsidiaries: Anstaff Bank Green Forest, AR First Service Bancshares, Inc. Greenbrier, AR RSSD Number: 1137266 VOICE: (501) 679-7200 FAX: (501) 764-4260 Chm/CEO/Pres: Thomas H. Grumbles Treas/Sec: Kenneth Barnard Subsidiaries: First Service Bank First Service Realty 136 South Broadview P. O. Box 190 72058 Treas/Sec: Robin Hackett Greenbrier, AR Greenbrier, AR Arkansas State Bank Department 96 Peoples Home Holding, Inc. Greenbrier, AR RSSD Number: 3029196 VOICE: (501) 679-7283 FAX: (501) 679-7745 67 South Broadview Street P. O. Box 307 72058 Chm/CEO: John Stacks Sec: Roy Montgomery Subsidiaries: Home Bank of Arkansas HomeBank Insurance Agency Portland, AR Greenbrier, AR Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (479) 996-4171 FAX: (479) 996-6700 Chm: Elizabeth Wilkinson 71 West Center Street P. O. Box 610 72936 CEO/Pres: Edward Wilkinson Subsidiaries: Farmers Bank Greenwood, AR Helena Bancshares, Inc. Helena, AR RSSD Number: 1129494 VOICE: (870) 338-6451 FAX: (870) 338-6306 Chm: Harry Stephens CEO/Pres: John O. Moore Subsidiaries: Partners Bank 302 Cherry Street P. O. Box 280 72342 EVP/CFO: Leslie Harp EVP/Sec: Erica Cook Helena, AR One Hundred and Seventh Report 97 Pioneer Bancshares, Inc. of Horatio, Arkansas Horatio, AR RSSD Number: 1139091 VOICE: (870) 832-2501 FAX: (870) 832-2577 123 Main Street P. O. Box 347 71842 Chm/CEO/Pres: Carl E. Hendrix, III VP: Todd B. Trimble Treas/Sec: Michael B. Griffin Subsidiaries: Horatio State Bank Horatio, AR Smith Associated Banking Corporation Hot Springs, AR RSSD Number: 1098004 VOICE: (501) 623-4292 FAX: (501) 624-7187 1801 Central Avenue, Suite D 71901 Chm/CEO: Guy R. "Buck" Smith Subsidiaries: Bank of Salem SABCO Insurance, Inc. Security Bank Salem, AR Salem, AR Stephens, AR First Arkansas BancShares, Inc. Jacksonville, AR RSSD Number: 1096550 VOICE: (501) 982-4511 FAX: (501) 982-5769 Chm/CEO/Pres: Larry T. Wilson SVP/CFO: Kim Cullum Subsidiaries: First Arkansas Bank & Trust First Arkansas Tax Credit, LLC 600 West Main Street P. O. Box 827 72078 Sec: Mark Wilson Jacksonville, AR Jacksonville, AR Arkansas State Bank Department 98 Southeast Arkansas Bank Corporation Lake Village, AR RSSD Number: 1137033 VOICE: (870) 265-2241 FAX: (870) 265-2125 201 Main Street P. O. Box 727 71653 Chm/CEO: Charles H. Weissinger, Jr. VChm: Guy M. Weissinger Pres: Franklin Todd Turner Subsidiaries: The Bank of Lake Village BLV Realty, Inc. Jefferson Ag Credit The Jefferson Agency The Jefferson Bank Lake Village, AR Lake Village, AR Greenville, MS Greenville, MS Greenville, MS Encore Bancshares, Inc. Little Rock, AR RSSD Number: 2777016 VOICE: (501) 228-6000 FAX: (501) 228-6006 12224 Chenal Parkway P. O. Box 8210 72211 Chm/CEO: Chris Roberts EVP/CFO: Burt Hicks VChm/Pres: Phillip Jett Subsidiaries: Encore Bank Little Rock, AR Little Rock Bankshares, Inc. Little Rock, AR RSSD Number: 2617082 VOICE: (501) 376-0800 FAX: (501) 374-7937 Chm/CEO: Eugene L. Maris SVP: Kim Markland Subsidiaries: Bank of Little Rock Bank of Little Rock Mortgage Corp. Hallmark National Mortgage Corp. Little Rock Mortgage Corp. 200 North State Street P. O. Box 34090 72203 SVP/Cash: Lee A. Swearingen Sec: Cindy Hippler Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR One Hundred and Seventh Report 99 Riverside Bancshares, Inc. Little Rock, AR RSSD Number: 2155342 VOICE: (501) 614-6161 FAX: (501) 614-6162 1001 W. Markham, 2nd Floor 72201 Pres: Stephen C. Davis Sec: David Matchet Subsidiaries: Riverside Bank Arkansas Mortgage Company, Inc. Riverside Mortgage Company, Inc. Sparkman, AR Fayetteville, AR Little Rock, AR State Holding Company Little Rock, AR RSSD Number: 1100046 VOICE: (501) 223-3450 FAX: (501) 223-8008 650 South Shackleford, Suite 450 72211 Chm/CEO/Pres: Cathy H. Owen EVP: Laura Bogoslavsky EVP: Paul Castleberry Subsidiaries: Eagle Bank & Trust Company Eagle Development Company South Little Rock, AR Little Rock, AR Lonoke Bancshares, Inc. Lonoke, AR RSSD Number: 1491614 VOICE: (501) 676-3106 FAX: (501) 676-5046 Chm: Neil Bennett, Jr. CEO: Kevin F. "Kip" Norton Subsidiaries: First State Bank First State Land Co., Inc. Lonoke Statutory Trust I Lonoke Statutory Trust II 101 South Center Street P. O. Box 320 72086 Sec: Karen Hardke Lonoke, AR Lonoke, AR Lonoke, AR Lonoke, AR Arkansas State Bank Department 100 Golden Oaks Bancshares, Inc. Magnolia, AR RSSD Number: 1098684 VOICE: (870) 234-5777 FAX: (870) 912-0647 500 North Jackson Street P. O. Box 340 71754 Chm: Steven Clark Fincher Pres: Mary L. Fowler Sec: Jaela Talley Subsidiaries: The Peoples Bank Magnolia, AR Magnolia Banking Corporation Magnolia, AR RSSD Number: 1135413 VOICE: (870) 235-7000 FAX: (870) 235-7008 200 East Main Street P. O. Box 250 71754 Chm/CEO/Pres: Chris Gosnell EVP/CFO: Drew Chandler EVP/Sec: Bruce D. Maloch Subsidiaries: Farmers Bank and Trust Company Community First Trust Group Magnolia Properties, Inc. Patmos Holdings, LLC Magnolia Statutory Trust I First National Hempstead Statutory Trust I Magnolia, AR Hot Springs, AR Magnolia, AR Texarkana, TX Magnolia, AR Hartford, CT Big Creek Bancshares, Inc. Marianna, AR RSSD Number: 5046816 VOICE: (870) 821-5100 FAX: (870) 821-5100 Chm: Mark Waldrip CEO/Pres: Chad T. May Subsidiaries: Forrest City Financial Corporation Armor Bank 98 West Tennessee Street 6245 Hwy 78 West 72360 VP: Nathan M. Waldrip Sec: Stephen W. Edwards, Sr. Marianna, AR Forrest City, AR One Hundred and Seventh Report 101 Forrest City Financial Corporation Marianna, AR RSSD Number: 2501305 VOICE: (870) 821-5100 FAX: (870) 821-5100 98 West Tennessee Street 6245 Hwy 78 West 72360 Bank Holding Company Big Creek Bancshares, Inc., Marianna, AR Chm: Mark Waldrip CEO/Pres: Chad T. May VP: Nathan M. Waldrip Sec: Stephen W. Edwards, Sr. Subsidiaries: Armor Bank Forrest City, AR FCB Financial Services, Inc. Marion, AR RSSD Number: 3123339 VOICE: (870) 739-7300 FAX: (870) 739-7379 205 Block Street P. O. Box 747 72364 Pres: M. Don Underwood Sec: Frank A. Fogleman Subsidiaries: Premier Bank of Arkansas Jonesboro, AR First National Financial Corporation McGehee, AR RSSD Number: 3386880 VOICE: (870) 222-3880 FAX: (870) 222-4853 CEO/Pres: Robert Lucky Subsidiaries: First NaturalState Bank Milner/Owyoung Insurance Co., LLC 500 North Second Street P. O. Box 728 71654 EVP/COO: Jim Daniels McGehee, AR McGehee, AR Arkansas State Bank Department 102 McGehee Bank Employee Stock Ownership Plan McGehee, AR RSSD Number: 3487965 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd Street P. O. Box 787 71654 Chm: William W. Bowman CEO/Pres: James M. Smith VChm: John H. Potter VP/TO: Jim Youngblood Subsidiaries: Southeast Financial Bankstock Corporation McGehee Bank McBank Realty McGehee, AR McGehee, AR McGehee, AR Southeast Financial Bankstock Corporation McGehee, AR RSSD Number: 1096662 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd Street P. O. Box 787 71654 Bank Holding Company McGehee Bank Employee Stock Ownership Plan, McGehee, AR Chm: William W. Bowman CEO/Pres: James M. Smith VChm: John H. Potter, Jr. Sec: Teresa Allison Subsidiaries: McGehee Bank McBank Realty McGehee, AR McGehee, AR Union Bankshares, Inc. Mena, AR RSSD Number: 1099805 VOICE: (479) 394-2211 FAX: (479) 394-3809 Chm: John Stevenson CEO/Pres: Jarrod Yarnell Subsidiaries: The Union Bank of Mena The First National Bank at Paris Union Bankshares Statutory Trust I 303 Hwy 71 North P. O. Box 898 71953 VChm: David Maddox EVP/Cont: Rob Floyd Mena, AR Paris, AR Mena, AR One Hundred and Seventh Report 103 Drew Bancshares, Inc. Monticello, AR RSSD Number: 1098198 VOICE: (870) 367-2025 FAX: (870) 367-1151 212 West Gaines P. O. Box 150 71657 Chm/CEO: Bennie Ryburn, III Pres: George T. Harris SVP: Michael Efird VP/Sec: Nick Temple Subsidiaries: Commercial Bank & Trust Company Monticello, AR First Union Financial Corporation Monticello, AR RSSD Number: 1098880 VOICE: (870) 460-6400 FAX: (870) 460-6431 102 West McCloy P. O. Box 270 71657 Chm Emer: Zach McClendon, Jr. Chm/CEO: John S. McClendon Pres: Dave Dickson Treas/Sec: Robin McClendon Subsidiaries: Union Bank And Trust Company Monticello, AR Petit Jean Bancshares, Inc. Morrilton, AR RSSD Number: 2877402 VOICE: (501) 354-4988 FAX: (501) 354-6560 707 North Saint Joseph Street P. O. Box 680 72110 Pres: Charles S. Penick Subsidiaries: Petit Jean State Bank Morrilton, AR Arkansas State Bank Department 104 Stone Bancshares, Inc. Mountain View, AR RSSD Number: 4928344 VOICE: (833) 253-2265 FAX: (501) 435-2068 802 East Main Street 900 South Shackleford, Suite 200 72560 Chm: Sonya Daniels Pres: Kevin Compton EVP: Marnie Oldner CFO/Sec: Stephen T. Ragland Subsidiaries: Stone Bank DBT Realty Company, Inc. P&M Real Estate, Inc. Mountain View, AR DeWitt, AR DeWitt, AR M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan Newport, AR RSSD Number: 3394429 VOICE: (870) 523-3601 FAX: (870) 523-3473 120 Hazel Street P. O. Box 650 72112 Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. Sec: Leslie Lowery Subsidiaries: M & P Community Bancshares, Inc. Merchants & Planters Bank M & P Insurance & Investment Services, Inc. M & P Community Statutory Trust II Newport, AR Newport, AR Newport, AR Newport, AR M & P Community Bancshares, Inc. Newport, AR RSSD Number: 1491306 VOICE: (870) 523-3601 FAX: (870) 523-3473 120 Hazel Street P. O. Box 650 72112 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 M & P Insurance & Investment Services, Inc. Sec: Leslie Lowery Newport, AR Newport, AR One Hundred and Seventh Report 105 Piggott Bankstock, Inc. Piggott, AR RSSD Number: 1098321 VOICE: (870) 598-3802 FAX: (870) 598-2026 212 West Cherry Street P. O. Box 307 72454 Chm: Cody Knight Subsidiaries: Piggott State Bank Piggott, AR Arkansas State Bank Department 106 Simmons First National Corporation Pine Bluff, AR RSSD Number: 1094828 VOICE: (870) 541-1000 FAX: (870) 850-2685 Chm/CEO: George A. Makris, Jr. Pres/COO: Robert A. Fehlman 501 Main Street P. O. Box 7009 71601 EVP/Gen Coun/Sec: George A. Makris, III Subsidiaries: Simmons Bank Diamond State Ventures II, LP Heartland Bank Liquidating Trust Heartland Insurance, LLC PGR, LLC Simmons First Insurance Services, Inc. Simmons First Investment Group, Inc. AAC Investment Fund Simmons NMTC Holding, LLC SWC PPR, LLC Simmons First SW REIT, Inc. Simmons First REIT of TN, LLC Capital Partners Investment Fund 2008, L.P. Capital Partners Series SB II, LLC Capital Partners Series SB III, LLC Capital Partners Series SB IV, LLC Capital Partners Series SB, LLC Cradduck LMB Investment Fund 2, LLC Cradduck LMB Investment Fund, LLC Cultivation Twain Seed Fund I, L.P. PR RT, L.L.C. Raintree LMB, LLC Beacon Village Tax Credit Fund, LLC El Toro Holdings, LLC Big Creek Investors, LLC Simmons First REIT of MO, LLC Springfield Finance and Development Corp. MU Investment Property, LLC PSH, LLC Santa Ana Holdings, LLC St. Louis State Equity Fund II LLC The Successful Investors, LLC Stockton Community Development Corp. Providence PCC of Grenada, LLC Simmons First Investments, Inc. REI Subsidiary CDE 12, LLC REI Subsidiary CDE 4, LLC CRK Properties, Inc. Stillwater NMTC, LLC Venture Holding Company, LLC ETN-KLC, LLC First State Providence PCC of Grenada, LLC Pine Bluff, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Pine Bluff, AR Pine Bluff, AR Chandler, AZ Wilmington, DE Baltimore, MD Columbia, MO Columbia, MO Columbia, MO Columbia, MO Columbia, MO Columbia, MO Columbia, MO Columbia, MO Columbia, MO Columbia, MO Dexter, MO Frontenac, MO Sedalia, MO Springfield, MO Springfield, MO St. Louis, MO St. Louis, MO St. Louis, MO St. Louis, MO St. Louis, MO Stockton, MO Grenada, MS Las Vegas, NV Durant, OK Durant, OK Stillwater, OK Stillwater, OK Jackson, TN Sevierville, TN Union City, TN One Hundred and Seventh Report 107 Simmons First Auto, Inc. Simmons First Insurance Services of TN, LLC Simmons First Properties, Inc. Simmons First Special Assets, Inc. Harob, Inc. SDB Real Estate, LLC Simmons First Mortgage Company Landco Partners II, LP Landrum Statutory Trust III Landrum Statutory Trust IV LBI Capital Trust V Simmons First Risk Management, Inc. SNB Capital Corporation Hardeman County Statutory Trust I Community First Statutory Trust III SWB Recovery Corp. Union City, TN Union City, TN Union City, TN Union City, TN Fort Worth, TX Houston, TX Pine Bluff, AR Columbia, MO Columbia, MO Columbia, MO Springfield, MO Las Vegas, NV Stillwater, OK Jackson, TN Union City, TN Fort Worth, TX Sigma Holdings, Inc. Rison, AR RSSD Number: 4512378 VOICE: (501) 847-3440 FAX: (501) 847-3452 Chm/Pres: Lewis R. Gardner 112 Main Street P. O. Box 345 71665 Sec: Joe Dunn Subsidiaries: Gateway Bank Rison, AR First State Banking Corporation Russellville, AR RSSD Number: 1096448 VOICE: (479) 498-2402 FAX: (479) 498-2465 Chm/CEO: Charles Blanchard Pres: Chip Blanchard Subsidiaries: First State Bank Nimrod Real Estate, Inc. FSB Capital Trust III 3103 East Main Street P. O. Box 10610 72812 EVP: Toni B. Laws CFO/Sec: Andrea Nicholson Russellville, AR Russellville, AR Russellville, AR Arkansas State Bank Department 108 First Security Bancorp Searcy, AR RSSD Number: 1096505 VOICE: (501) 279-3401 FAX: (501) 279-3486 314 North Spring P. O. Box 1009 72145 Chm/CEO/Pres: Reynie Rutledge Subsidiaries: First Security Bank UFS, Inc. Peoples Real Estate Management Co. First Security Investment Advisors, Inc. First Security Real Estate Management, Inc. FNBS Investments Inc. Crews & Associates, Inc. Crews Dissemination Services, Inc. First Security Finance, Inc. Eastview of NWA, LLC Union Air LLC Cheyenne Aircraft LLC Crossfirst Bankshares, Inc. Searcy, AR Benton, AR Mountain Home, AR Searcy, AR Searcy, AR Las Vegas, NV Little Rock, AR Little Rock, AR Little Rock, AR Searcy, AR Searcy, AR Wilmington, DE Leawood, KS Peoples Bancorp, Inc. Sheridan, AR RSSD Number: 4639435 VOICE: (870) 942-5707 FAX: (870) 942-2489 1120 S. Rock Street P. O. Box 460 72150 Chm: Al Upton CEO/Pres: Craig L. Manatt Sec: James W. Lancaster Subsidiaries: Peoples Bank Sheridan, AR Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 Chm: J. Drew Tennyson Subsidiaries: Smackover State Bank 708 North Broadway P. O. Box 107 71762 Pres: James B. Yeager Smackover, AR One Hundred and Seventh Report 109 Mathias Bancshares, Inc. Springdale, AR RSSD Number: 1951172 VOICE: (479) 750-9100 FAX: (479) 750-0953 5571 Bleaux Ave. P. O. Box 6485 72766 Chm/Pres: Sam Mathias VChm: Arthur Thurman Sec: Larry Olson Subsidiaries: Today's Bank FSB Properties, LLC Property Management 40830, LLC Huntsville, AR Fayetteville, AR Fayetteville, AR United Holding Company, Inc. Springdale, AR RSSD Number: 3832181 VOICE: (479) 872-3802 FAX: (888) 420-1829 2790 South Thompson Street, Suite 102 72764 CEO/Pres/Sec: Craig Young CFO/Treas: Karla Baker Subsidiaries: United Bank Springdale, AR Bodcaw Bancshares, Inc. Stamps, AR RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 Chm: John W. Smith, Jr. CEO/Pres: Korey Keith Subsidiaries: Bodcaw Bank 307 Thomas Street P. O. Box 8 71860 Sec: D. Copie Dickson Stamps, AR Arkansas State Bank Department 110 Star City Bancshares, Inc. Star City, AR RSSD Number: 1131723 VOICE: (870) 628-4286 FAX: (870) 628-5274 116 North Lincoln P. O. Drawer 69 71667 Chm/CEO: Marion Burge Ryburn Subsidiaries: Connect Bank Star City, AR The Farmers and Merchants Bankshares, Inc. Stuttgart, AR RSSD Number: 1099672 VOICE: (870) 673-6911 FAX: (870) 672-4282 708 South Main P. O. Box 1010 72160 Chm: Mickey Pierce CEO/Pres: Brad Chambless VChm: Robert H. Seidenstricker SVP/CFO: Christy Malahy Subsidiaries: The Farmers and Merchants Bank Bankshares of Fayetteville Statutory Trust I Mountain Home Statutory Trust I Stuttgart, AR Fayetteville, AR Mountain Home, AR Bradley Bancshares, Inc. Warren, AR RSSD Number: 1097463 VOICE: (870) 226-2601 FAX: (870) 226-2253 104 South Main Street P. O. Box 29 71671 Chm: Bennie Ryburn, III Subsidiaries: First State Bank of Warren Warren, AR One Hundred and Seventh Report 111 Carlson Bancshares, Inc. West Memphis, AR RSSD Number: 1491641 VOICE: (870) 735-8700 FAX: (870) 735-0065 330 West Broadway Street P. O. Box 2288 72301 Chm: William A. Carlson Pres: Charles E. Horton SVP/CFO: Mike Carlson VP: Kirby H. Carlson Subsidiaries: Fidelity Bank West Memphis, AR Evolve Bancorp, Inc. West Memphis, AR RSSD Number: 1142411 VOICE: (901) 624-5500 FAX: (901) 624-5540 Chm: Scot Lenoir Cont: Robin Bedsole 301 Shoppingway Blvd. 6070 Poplar Avenue, Suite 200 72301 Sec: W. Scott Stafford Subsidiaries: Evolve Bank & Trust Evolve Commercial Finance West Memphis, AR Memphis, TN Cross County Bancshares, Inc. Wynne, AR RSSD Number: 1131611 VOICE: (870) 238-8171 FAX: (870) 238-4052 Chm: Dr. Willard G. Burks CEO/Pres: David Dowd Subsidiaries: Central Bank Cross County Bank CCB Real Estate Holdings, Inc. CCB-EAT, LLC Janus Title, LLC 1 Cross County Plaza P. O. Box 9 72396 EVP: King Casbeer Treas/Sec: Shelia Roberts Little Rock, AR Wynne, AR Wynne, AR Wynne, AR Wynne, AR ABBREVIATIONS Chm: Chm Emer: CEO: Co-Chm: VChm: Pres: Reg Pres: EVP: SVP: CAO: CBO: CCO: CFO: CLO: COO: CRO: AdmVP: EO: VP: SLO: Cash: Cont: AVP: RMO: Aud: Mtg CEO: TO: ATO: Gen Coun: Treas: Sec: Chairman of the Board Chairman Emeritus Chief Executive Officer Co-Chairman Vice Chairman President Regional President Executive Vice President Senior Vice President Chief Administrative Officer Chief Banking Officer Chief Credit Officer Chief Financial Officer Chief Lending Officer Chief Operating Officer Chief Risk Officer Administrative Vice President Executive Officer Vice President Senior Loan Officer Cashier Controller Assistant Vice President Risk Management Officer Auditor Mortgage Chief Executive Officer Trust Officer Assistant Trust Officer General Counsel Treasurer Secretary One Hundred and Seventh Report NOTES 113 114 Arkansas State Bank Department NOTES
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