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REPORT OF THE BANK COMMISSIONER OF THE STATE OF ARKANSAS 2017 ASA HUTCHINSON Governor CANDACE A. FRANKS Bank Commissioner ONE HUNDRED AND THIRD ANNUAL REPORT OF THE BANK COMMISSIONER JUNE 30, 2017 STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 2017 Honorable Asa Hutchinson Governor of Arkansas Little Rock, Arkansas Governor Hutchinson: I am pleased to submit to you the One Hundred and Third 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, 2017. The financial services industry continues to undergo change. Arkansas state chartered banks and the trust company continue to successfully meet the challenges of change and offer excellent financial services to the public. The State Bank Department maintains a Strategic Plan, which the Department’s employees develop on an annual basis. The mission of the State Bank Department is to allocate available human and other resources existing in our Examination, Information Technology and Administrative Services Divisions to ensure the continuance of safe and sound financial practices in state chartered financial institutions. We thank you for the support you and your staff provide and assure you of our continuing efforts to maintain the highest level of professionalism in the performance of our responsibilities. Cordially, Candace A. Franks Bank Commissioner One Hundred and Third 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 ............................................................................................................. 9 State Chartered Banks Liquidated/State Chartered Non-Profit Organization .......................................... 10 Branches Approved .................................................................................................................................. 11 State Chartered Banks Subchapter S Corporations................................................................................. 13 Fiscal Report of The Bank Department .................................................................................................... 15 Federal Supervisory Agencies ................................................................................................................. 16 Trade Associations ................................................................................................................................... 21 Consolidated Report of Condition Data State Chartered Banks .......................................................................................................................... 24 Consolidated Statement of Condition State Chartered Trust Departments ...................................................................................................... 25 Consolidated Report of Condition Data National Banks ...................................................................................................................................... 26 Tier One Leverage Ratios For All Arkansas Commercial Banks ................................................................................................................ 27 National Banks Headquartered in Arkansas ............................................................................................ 30 Report of State Chartered Commercial Banks ......................................................................................... 31 Report of State Chartered Non-Profit Organization .................................................................................. 77 Report of State Chartered Trust Company............................................................................................... 79 Report of Regional/County Industrial Development Corporation ............................................................. 81 All Commercial Banks Listed by County .................................................................................................. 83 Map of Arkansas Counties ....................................................................................................................... 88 Arkansas Bank Holding Companies ......................................................................................................... 89 Abbreviations .......................................................................................................................................... 119 2 Arkansas State Bank Department LEGAL HOLIDAYS New Year’s Day...............................................................................................January 1 st Robert E. Lee's Birthday .......................................................... Third Monday in January Martin Luther King, Jr. Day ...................................................... Third Monday in January Presidents Day ....................................................................... Third Monday in February Memorial Day ................................................................................. Last Monday in May th Independence Day ............................................................................................... July 4 Labor Day ............................................................................. First Monday in September th Veterans Day............................................................................................ Nobember 11 Thanksgiving Day............................................................ Fourth Thursday in November Christmas Eve ........................................................................................ December 24th th Christmas Day ......................................................................................... December 25 All Bills of Exchange, Drafts, or Promissory Notes, which shall become payable on a legal holiday shall be payable on the day next succeeding such holiday. In case any legal holiday falls on Sunday, the next succeeding Monday shall be a holiday in its stead. One Hundred and Third Report 3 COMMISSIONERS OF THE ARKANSAS STATE BANK DEPARTMENT Date of Appointment Date Service Ended No. Name 1. John M. Davis .............................. October 6, 1913 October 3, 1918 2. A. J. Reap .................................... October 3, 1918 March 22, 1919 3. W. T. Maxwell ............................... March 22, 1919 September 1, 1921 4. Charles McKee ....................... September 1, 1921 July 28, 1925 5. Loid Rainwater.................................. July 28, 1925 February 8, 1927 6. Walter E. Taylor ..........................February 8, 1927 January 10, 1933 7. Marion Wasson ......................... January 10, 1933 January 12, 1937 8. Grover S. Jernigan .................... January 12, 1937 January 14, 1941 9. Thomas W. Leggett ................... January 14, 1941 February 1, 1949 10. S. J. Dean ...................................February 1, 1949 December 31, 1949 11. Ed. I. McKinley, Jr. ................ December 31, 1949 March 14, 1953 12. A. R. Merritt................................... March 14, 1953 February 8, 1955 13. Dick Simpson..............................February 8, 1955 March 2, 1967 14. H. C. Adams ................................... March 3, 1967 March 16, 1979 15. Don R. Clark (Acting) ................... March 16, 1979 April 19, 1979 16. B. J. Lambert, Jr. ............................. April 19, 1979 April 15, 1983 17. Marlin D. Jackson ............................ April 15, 1983 October 1, 1987 18. Bill J. Ford .................................... October 1, 1987 July 31, 1998 19. Frank White ................................... August 1, 1998 May 21, 2003 20. Bunny Adcock ................................ June 23, 2003 June 11, 2007 21. Candace A. Franks ........................ June 13, 2007 …………….... 4 Arkansas State Bank Department STATE BANKING BOARD MEMBERS Mr. Gary Smith Chairman 2525 North Fillmore Street Little Rock, AR 72207 VOICE: (501) 455-1324 TERM EXPIRES: 12/31/2018 Ms. Lana Hampton Vice Chairman 2341 Surrey Lane Springdale, AR 72762 VOICE: (479) 750-8849 TERM EXPIRES: 12/31/2018 Mr. Gary Hudson The Farmers and Merchants Bank P.O. Box 1010 Stuttgart, AR 72160 VOICE: (870) 673-6911 FAX: (870) 673-4282 TERM EXPIRES: 12/31/2018 Mr. David Leech 1911 Fairway Stuttgart. AR 72160 VOICE: (870) 830-4502 TERM EXPIRES: 12/31/2021 Mr. Zach McClendon Union Bank And Trust Company P.O. Box 270 Monticello, AR 71657-0270 VOICE: (870) 460-6400 FAX: (870) 460-6431 TERM EXPIRES: 12/31/2019 Mr. Randy Scott Farmers Bank And Trust Company P.O. Box 688 Blytheville, AR 72315-0688 VOICE: (870) 763-8101 FAX: (870) 763-3500 TERM EXPIRES: 12/31/2020 One Hundred and Third Report Arkansas State Bank Department 400 Hardin Road, Suite 100 Little Rock, Arkansas 72211-3502 VOICE: (501) 324-9019 FAX: (501) 324-9028 http://banking.arkansas.gov/ DEPARTMENTAL ROSTER Candace A. Franks - Bank Commissioner Susannah T. Marshall - Deputy Bank Commissioner Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination Application Information John W. Ahlen IV - Deputy Bank Commissioner/Chief Counsel Examination, Supervision and Regulation Regulatory Enforcement Actions Personnel/Examination Rules and Regulations/Legal Filings and Inquiries EXAMINATION AND SUPERVISION Assistant Deputy Bank Commissioners H. Wilks Marshall, Jr. Richard D. Buzbee Baker L. Moseley Michael G. Saunders Regulatory Examinations/Regulatory and Banking Procedures Bank Performance Evaluation and Monitoring Personnel Recruitment and Management EXAMINATION PERSONNEL LITTLE ROCK OFFICE Gary W. Bush - Certified Examinations Manager Matthew A. Rose - Certified Bank Senior Examiner Lance A. Nutt - Certified Bank Senior Examiner Jim E. Homan - Certified Bank Senior Examiner Jordan A. Patterson - Certified Bank Senior Examiner Scott M. Lambert - Bank Senior Examiner Andrew D. McCormick - Bank Senior Examiner J. D. Sonnier - Assistant Bank Examiner 5 6 Arkansas State Bank Department LITTLE ROCK OFFICE Dharmin H. Patel - Bank Examinations Manager Luke B. Webre - Certified Bank Senior Examiner Jerry C. Corrothers - Certified Bank Senior Examiner Kelly M. Shewmaker - Certified Bank Senior Examiner Thomas L. Cook - Certified Bank Senior Examiner Raychel M. Pendergist - Certified Bank Senior Examiner Daniel E. Sims - Bank Senior Examiner Jacklyn G. Powell - Certified Bank Senior Examiner NORTHWEST ARKANSAS OFFICE 777 Mathias Drive, Suite A Springdale, Arkansas 72762-0739 VOICE: (479) 751-5543 FAX: (479) 751-5815 NWArkansas@banking.state.ar.us Ken H. Leavell - Certified Examinations Manager Chris K. Davis - Certified Bank Senior Examiner Johnathon W. Welch - Bank Senior Examiner G. Barton Hammond - Bank Senior Examiner Adam W. Chase - Assistant Bank Examiner Wesley H. Mathis - Assistant Bank Examiner Wynne M. Morgan - Assistant Bank Examiner Daniel B. Park - Bank Examiner Trainee NORTHEAST ARKANSAS OFFICE 924 South Main Street Jonesboro, Arkansas 72401 VOICE: (870) 972-1744 FAX: (870) 972-1762 Jonesboro@banking.state.ar.us John K. Householder - Certified Examinations Manager William R. Milum - Bank Senior Examiner R. D. Jackson - Certified Bank Senior Examiner Shaun G. Perkins - Certified Bank Senior Examiner Chris A. Dillon - Certified Bank Senior Examiner W. Kent Darr - Certified Bank Senior Examiner T. J. Anderson - Certified Bank Senior Examiner W. Nathan Elliott - Certified Bank Senior Examiner Scott J. Smith - Certified Bank Senior Examiner Seth D. Parsley - Assistant Bank Examiner LARGE BANK SUPERVISION Bob M. Henry - Certified Examinations Manager Mark G. Rye - Certified Bank Senior Examiner One Hundred and Third Report TRUST Stacey D. Leder - Certified Examinations Manager Kelly R. Davis - Assistant Bank Examiner INFORMATION SYSTEMS Jeffrey A. Cameron - Certified Examinations Manager Michael L. Green - Certified Bank Senior Examiner Donna J. Dodge - Bank Senior Examiner Ashish V. Patel - Assistant Bank Examiner Richard T. Puloma - Bank Examiner Trainee BANK ANALYSIS AND APPLICATIONS John W. Ashby - Certified Examinations Manager M. Gregg Qualls - Certified Bank Senior Examiner Kevin C. Mosley - Certified Bank Senior Examiner Self-Examinations Bank Reports of Condition and Income Bank Holding Company Reports Research and Financial Analysis Public Information Requests Application Analysis Consumer Complaints INFORMATION TECHNOLOGY Robert L. Hughes - Administrator Mitch L. Vire - Systems Specialist Greg F. Langley - Systems Specialist Research and Development Application Programming Data Processing Support 7 8 Arkansas State Bank Department ADMINISTRATION DIVISION Gail Green - Fiscal Division Manager Vicki A. Wise - Payroll Services Coordinator Devan E. May - Procurement Coordinator Accounting and Employee Services Budget/Personnel/Payroll Performance Evaluations Expense Disbursements Purchasing Cynthia L. Nixon - Executive Assistant to the Commissioner Lori A. Morrison - Research Analyst Barbara A. Mahoney - Research Analyst Antwanette Pettigrew-House - Administrative Analyst Sharon K. Hacker - Administrative Analyst Lisa F. Abels - Administrative Analyst Administrative Support Examination Support and Processing Rules and Regulations Manual Distribution Inquiries Charter Amendments and Charter Information Certificates of Good Standing Data Entry One Hundred and Third Report 9 MERGERS OF STATE CHARTERED BANKS FROM JULY 1, 2016 TO JUNE 30, 2017 NAME / LOCATION NAME / LOCATION Little River Bank Lepanto, Arkansas First Community Bank Batesville, Arkansas The above institutions’ merger was consummated December 19, 2016, with the surviving bank being First community Bank. Twin Lakes Community Bank Flippin, Arkansas Anstaff Bank Green Forest, Arkansas The above institutions’ merger was consummated March 3, 2017, with the surviving bank being Anstaff Bank. Pinnacle Bank Rogers, Arkansas Central Bank Little Rock, Arkansas The above institutions’ merger was consummated March 31, 2017, with the surviving bank being Central Bank. Farmers Bank Hamburg, Arkansas Southern Bancorp Bank Arkadelphia, Arkansas The above institutions’ merger was consummated June 2, 2017, with the surviving bank being Southern Bancorp Bank. Arkansas State Bank Department 10 STATE CHARTERED BANKS LIQUIDATED FROM JULY 1, 2016 TO JUNE 30, 2017 BANK CITY Allied Bank Mulberry STATE CHARTERED NON-PROFIT ORGANIZATION FROM JULY 1, 2016 TO JUNE 30, 2017 ENTITY CITY Arkansas Capital Corporation Little Rock One Hundred and Third Report 11 BRANCHES APPROVED FROM JULY 1, 2016 TO JUNE 30, 2017 BANK LOCATION Southern Bancorp Bank Arkadelphia, Arkansas 502 East Main Street Gurdon, Arkansas First Community Bank Batesville, Arkansas 11 Prospect Court Cabot, Arkansas Farmers Bank And Trust Company Blytheville, Arkansas 55 Park Street Wilson, Arkansas Centennial Bank Conway, Arkansas 26417 U.S. Highway 19 North Clearwater, Florida Centennial Bank Conway, Arkansas 2400 Aggie Road Jonesboro, Arkansas River Town Bank Dardanelle, Arkansas 3201 West Main Street Russellville, Arkansas Bank of Delight Delight, Arkansas 600 East Smith Street Gurdon, Arkansas First Financial Bank El Dorado, Arkansas 12921 Cantrell Road, Suite 105 Little Rock, Arkansas Cornerstone Bank Eureka Springs, Arkansas 1426 Highway 65 North Harrison, Arkansas First Service Bank Greenbrier, Arkansas United Drive and Superior Drive Conway, Arkansas Horatio State Bank Horatio, Arkansas 707 Tracy Lawrence Avenue Foreman, Arkansas Today’s Bank Huntsville, Arkansas 615 East Pointer Trail Van Buren, Arkansas Farmers Bank and Trust Company Magnolia, Arkansas 1061 N. Coleman Street, Suite 135 Prosper, Texas Stone Bank Mountain View, Arkansas 1302 Highway 62-65 North Harrison, Arkansas 12 Arkansas State Bank Department BANK LOCATION Diamond Bank Murfreesboro, Arkansas 1710 South Constitution Avenue Ashdown, Arkansas Diamond Bank Murfreesboro, Arkansas 4820 Texas Boulevard Texarkana, Texas Merchants & Planters Bank Newport, Arkansas 1621 W. Beebe Capps Expressway Searcy, Arkansas Piggott State Bank Piggott, Arkansas 400 North Main Street Rector, Arkansas Simmons Bank Pine Bluff, Arkansas 2025 Crossover Road Fayetteville, Arkansas First Security Bank Searcy, Arkansas 1801 East Centerton Avenue Centerton, Arkansas First Security Bank Searcy, Arkansas 1759 Airport Road Hot Springs, Arkansas First Security Bank Searcy, Arkansas 2504 W. Main St., Suites G and L Russellville, Arkansas One Hundred and Third Report STATE CHARTERED BANKS SUBCHAPTER S CORPORATIONS BANK CITY FNBC Bank Ash Flat Bank of Bearden Bearden Farmers Bank And Trust Company Blytheville Community State Bank Bradley Bank of Cave City Cave City Chambers Bank Danville Bank of Delight Delight First State Bank of DeQueen DeQueen Arkansas County Bank DeWitt DeWitt Bank and Trust Company DeWitt First Financial Bank El Dorado Cornerstone Bank Eureka Springs FBT Bank & Mortgage Fordyce Bank of Gravett Gravette Anstaff Bank Green Forest First Service Bank Greenbrier Today's Bank Huntsville First Arkansas Bank & Trust Jacksonville Heartland Bank Little Rock Farmers Bank and Trust Company Magnolia The Peoples Bank Magnolia McGehee Bank McGehee The Union Bank of Mena Mena Commercial Bank & Trust Company Monticello Union Bank And Trust Company Monticello Diamond Bank Murfreesboro 13 14 Arkansas State Bank Department BANK CITY Piggott State Bank Piggott Gateway Bank Rison Riverside Bank Sparkman United Bank Springdale Bank of Star City Star City First State Bank of Warren Warren Warren Bank and Trust Company Warren One Hundred and Third Report The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 2016, through June 30, 2017. RECEIPTS Cash Balance July 1, 2016……………………………………. $ 7,634,966.50 Examination and Assessment Fees .................. 10,464,919.46 Charter and Amendment Fees ............................... 106,605.00 Interstate Sharing Fees ............................................ 39,692.00 Miscellaneous/Non-Revenue Income ........................ 7,019.08 Reimbursement for M & R Sales.............................. 15,472.70 Refund to Expenditures Prior Year ......................... 1,823.99 Refund to Expenditures Current Year ..................... 8,026.63 Total Receipts 10,643,558.86 $ 18,278,525.36 DISBURSEMENTS Salaries ................................................................... 5,114,588.18 Extra Help Salaries ........................................................ 3,500.13 Social Security, Retirement and Insurance Matching............................................................... 1,491,827.91 Maintenance and General Operations .................... 1,161,381.28 Conference Fees and Travel...................................... 260,640.69 Professional Fees and Services................................... 23,282.11 Capital Outlay............................................................... 74,303.38 Refunds Issued ..................................................................... 0.00 Service Charge by State Treasurer............................ 169,804.99 Total Disbursements 8,299,328.67 Cash Balance June 30, 2017 9,979,196.69 $ 18,278,525.36 15 16 Arkansas State Bank Department FEDERAL DEPOSIT INSURANCE CORPORATION Dallas Regional Office 1601 Bryan Street Dallas, Texas 75201 VOICE: (214) 754-0098 FAX: (972) 761-2082 http://www.fdic.gov Kristie K. Elmquist .............. Regional Director/Supervision/Consumer Protection Serena Owens................................ Deputy Regional Director/Risk Management Julie Banfield ............................. Deputy Regional Director/Consumer Protection Cindy Scott .................................. Assistant Regional Director/Risk Management Nathan Heizer ............................. Assistant Regional Director/Risk Management Mark Taylor.................................. Assistant Regional Director/Risk Management Mark Love .................................... Assistant Regional Director/Risk Management Joe Meade ................................... Assistant Regional Director/Risk Management Anthony Clark .............................. Assistant Regional Director/Risk Management Art Kahn ................................................. Assistant Regional Director/Compliance Stephen Zachary ....................................................................... Regional Counsel Memphis Area Office 6060 Primacy Parkway, Suite 300 Memphis, Tennessee 38119-5770 VOICE: (901) 685-1603 FAX: (901) 821-5308 Chris Finnegan ...................................... Assistant Regional Director/Compliance Little Rock Field Office Financial Centre III Building 900 South Shackleford Road, Suite 500 Little Rock, Arkansas 72211 VOICE: (501) 228-6346 FAX: (501) 228-6568 Kristy Frame .................................................. Field Supervisor/Risk Management David Wright ............................................................ Field Supervisor/Compliance Memphis Field Office 6060 Primacy Parkway, Suite 300 Memphis, Tennessee 38119-5770 VOICE: (901) 685-1603 FAX: (901) 821-5308 Eric Guyot ...................................................... Field Supervisor/Risk Management Rafael Valle ............................................................. Field Supervisor/Compliance Shreveport Field Office Southpointe Center 3007 Knight Street, Suite 300 Shreveport, Louisiana 71105-2525 VOICE: (318) 868-6661 FAX: (318) 868-7870 Victor Ingram ................................................. Field Supervisor/Risk Management Jenifer Smith............................................................ Field Supervisor/Compliance One Hundred and Third Report FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 411 Locust Street P. O. Box 442 St. Louis, Missouri 63166 VOICE: (314) 444-8444 FAX: (314) 444-8740 http://www.stls.frb.org James B. Bullard .......................................................................................... President David A. Sapenaro ....................................................................... First Vice President Karl W. Ashman .................................................................. Executive Vice President Karen Branding ........................................................................ Senior Vice President Public and Community Affairs Cletus C. Coughlin .................................................................. Senior Vice President & Deputy Director of Research Roy Hendin ............................................................................... Senior Vice President General Counsel & Corporate Secretary Kathleen O. Paese .............................................................. Executive Vice President Treasury Relations & Support Office Julie L. Stackhouse ............................................................. Executive Vice President Banking Supervision, Credit and Center for Learning Innovation Christopher J. Waller...........................................................Executive Vice President Director of Research Timothy Brown .....................................................................................Vice President Cash Management/Administration Timothy A. Bosch ......................................................................Group Vice President Banking Supervision Marilyn K. Corona ................................................................................ Vice President Financial Management Anna Hart ..................................................................................Group Vice President Human Resources Michael J. Mueller .................................................................... Group Vice President Support Services Carl White .............................................................................................Vice President Risk Management, Statistics, Credit & Payment Applications Michael D. Renfro .............................................................................. General Auditor Audit 17 18 Arkansas State Bank Department FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 (Continued) Little Rock Branch 111 Center Street th Suite 1000 (10 Floor) Little Rock, Arkansas 72201 VOICE: (501) 324-8300 FAX: (501) 324-8201 Robert A. Hopkins .................................................................Senior Branch Executive Memphis Branch 200 North Main Street P. O. Box 407 Memphis, Tennessee 38101-0407 VOICE: (901) 523-7171 FAX: (901) 579-2406 Douglas Scarboro .................................................................Senior Branch Executive Louisville Branch 101 South 5th Street, Suite 1920 Louisville, Kentucky 40202 VOICE: (502) 568-9200 FAX: (502) 568-9247 Nikki R. Jackson ....................................................................Senior Branch Executive One Hundred and Third Report COMPTROLLER OF THE CURRENCY Southern District Office 500 North Akard, Suite 1600 Dallas, Texas 75201-3323 VOICE: (214) 720-0656 FAX: (214) 720-7000 http://www.occ.gov Gilbert D. Barker........................................................................ Deputy Comptroller Kent Stone ................................................................ Associate Deputy Comptroller Carter Messick ........................................................ Associate Deputy Comptroller Oscar Harvey ..................................................................Risk & Operations Officer Randall M. Ryskamp ........................................................................District Counsel Karen Bryant............................................................................... Licensing Manager Little Rock Field Office 1401 West Capitol Avenue, Suite 350 Little Rock, Arkansas 72201-2915 VOICE: (501) 707-6400 FAX: (501) 225-2711 Rosalyn Anthony ....................................................... Assistant Deputy Comptroller Memphis Field Office (Satellite Office of Arkansas Field Office) Kimbrough Building, Suite 309 57 Germantown Court Cordova, Tennessee 38018-4268 VOICE: (901) 248-0224 FAX: (901) 624-5822 Paul Groot ................................................................. Assistant Deputy Comptroller Central and Western Oklahoma Field Office The Harvey Parkway Building rd 301 NW 63 Street, Suite 490 Oklahoma City, Oklahoma 73116-7909 VOICE: (405) 529-5701 FAX: (405) 848-8085 Brian Wall .................................................................. Assistant Deputy Comptroller Eastern Oklahoma Field Office 8282 South Memorial Drive, Suite 300 Tulsa, Oklahoma 74133-4346 VOICE: (918) 505-4500 FAX: (918) 459-0446 Carey Phillippi............................................................ Assistant Deputy Comptroller 19 20 Arkansas State Bank Department CONSUMER FINANCIAL PROTECTION BUREAU 1700 G Street Washington, D.C. 20552 VOICE: (202) 435-7000 Fax: (202) 435-7329 http://www.consumerfinance.gov Richard Cordray.............................................................................................. Director David Silberman ...................................................................................Deputy Director Leandra English ....................................................................................... Chief of Staff Stuart Ishimaru ............................................... Office of Equal Opportunity & Fairness Assistant Director Stuart Ishimaru ..................................................Office of Minority & Women Inclusion Assistant Director M. Stacey Bach ............................................................................ Office of Civil Rights Assistant Director Sartaj Alag ............................................................................... Chief Operating Officer Associate Director Gail Hillebrand ................................................... Consumer Education & Engagement Associate Director Christopher D’Angelo .................................Supervision, Enforcement & Fair Lending Associate Director David Silberman ..................................................... Research, Markets & Regulations Associate Director Zixta Martinez ....................................................................................... External Affairs Associate Director Meredith McLeod ................................................................................................. Legal General Counsel One Hundred and Third Report ARKANSAS BANKERS ASSOCIATION 1220 West Third Street Little Rock, Arkansas 72201 VOICE: (501) 376-3741 FAX: (501) 376-9243 http://www.arkbankers.org William R. Holmes ......................................................................... President & CEO Dave Dickson ............................................................................................ Chairman President & CEO Union Bank And Trust Company, Monticello Cathy Owen ...................................................................................... Chairman-Elect Chairman of the Board Eagle Bank & Trust Company, Little Rock Rob Robinson IV ............................................................................... Vice-Chairman President & CEO Simmons Bank, El Dorado Judy Lawton .............................................................................................. Treasurer President & CEO Heartland Bank, Little Rock Sean Williams.................................................................................... Past Chairman President & CEO The First National Bank of Wynne, Wynne EMERGING LEADERS SECTION Blake Fletcher ............................................................................................ President Senior Vice President, Commercial Lending Stone Bank, Mountain View John Anderson ...................................................................................Vice President Vice President, Commercial Lending The Malvern National Bank, Malvern George Purvis .......................................................................... Secretary/Treasurer Assistant Vice President, Lending Cornerstone Bank, Eureka Springs 21 22 Arkansas State Bank Department ARKANSAS COMMUNITY BANKERS ASSOCIATION 3801 Woodland Heights Road, Suite 125-G Little Rock, Arkansas 72212-2456 VOICE: (501) 246-4975 FAX: (501) 821-0377 EMail: info@arcommunitybankers.com http://www.arcommunitybankers.com Chris Padgett .................................................................................. Executive Director Bennie Ryburn, III ........................................................................................ President Chairman & CEO Commercial Bank & Trust Company, Monticello Jim Gowen, Jr. .................................................................................... Vice President President & CEO Merchants & Planters Bank, Newport Gary Oltmann .............................................................................................. Treasurer Regional President - Stuttgart Arkansas County Bank, DeWitt Gary Head ................................................................................................... Secretary Chairman, President & CEO Signature Bank, Fayetteville Martin Carpenter .................................................................................. Past President Chairman FNBC Bank, Ash Flat One Hundred and Third Report CONFERENCE OF STATE BANK SUPERVISORS th th 1129 20 Street, NW, 9 Floor Washington, DC 20036 VOICE: (202) 296-2840 FAX: (202) 296-1928 http://www.csbs.org John Ryan ........................................................................................President & CEO Michael Stevens ...................................................... Senior Executive Vice President John “Buz” Gorman .......................................................................... General Counsel Tom Harlow ...............................Executive Vice President/Finance & Administration Bill Matthews ........................................ Executive Vice President, President of SRR Jim Cooper....... ......................................... Senior Vice President, Regulatory Policy Chuck Cross ....................................... Senior Vice President, Consumer Protection & Non-Depository Supervision Tim Doyle ......................................................... Senior Vice President of SRR Policy Margaret Liu ...................................Senior Vice President, Deputy General Counsel Vickie Peck ..................... Senior Vice President of SRR Operations & Development Sebastien Monnet ..................................... Vice President, Learning & Development Mary Beth Quist......................................... Senior Vice President, Bank Supervision Matt Comber ................................................................. Senior Director, Accreditation James Kurtzke......................................................... Vice President Communications 23 Arkansas State Bank Department 24 CONSOLIDATED REPORT OF CONDITION DATA 80 STATE CHARTERED COMMERCIAL BANKS (in millions) JUNE 30, 2017 ASSETS Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin .................................... $1,311 b. Interest-bearing balances ................................................................................. 2,548 Securities: a. Held to maturity ................................................................................................. 1,271 b. Available-for sale............................................................................................. 15,634 Federal funds sold and securities purchased under agreements to resell ..................................................... 266 Net Loans and Leases .................................................................................................... 57,116 Trading assets ......................................................................................................................... 0 Premises and fixed assets ................................................................................................ 1,969 Other real estate owned ...................................................................................................... 205 Goodwill and other intangibles ......................................................................................... 2,483 All other assets ................................................................................................................. 2,430 Total assets ................................................................................................................... $85,233 LIABILITIES Deposits: a. In domestic offices ........................................................................................ $68,539 (1) Noninterest-bearing .................................................................. 11,366 (2) Interest-bearing......................................................................... 57,173 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 ...................................................... 854 Trading liabilities ...................................................................................................................... 0 Other borrowed money .....................................................................................................3,574 Subordinated notes and debentures ................................................................................... 341 All other liabilities ................................................................................................................. 513 Total liabilities.................................................................................................................. 73,821 EQUITY CAPITAL Minority interests in consolidated subsidiaries ........................................................................ 4 Perpetual preferred stock ........................................................................................................ 3 Common stock ....................................................................................................................... 18 Surplus .............................................................................................................................. 6,526 Undivided profits ............................................................................................................... 4,861 Total equity capital ..........................................................................................................11,408 Total liabilities, minority interest and equity capital ......................................................$85,233 One Hundred and Third Report 25 CONSOLIDATED STATEMENT OF CONDITION OF THE 44 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 2017 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 .................................................................. $27 b. Other Institutions .................................................................................................. 0 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions .................................................................. 176 b. Other Institutions .............................................................................................. 479 U.S. Government and Agency Obligations ............................................................. 1,531 State, County and Municipal Obligations ................................................................... 847 Other Short-Term Obligations..................................................................................... 116 Other Notes and Bonds .............................................................................................. 767 Money Market Funds ............................................................................................... 1,056 Other Mutual Funds ................................................................................................. 3,208 Stocks....................................................................................................................... 3,233 Collective Investment Fund Units ................................................................................. 47 Real Estate Mortgages ................................................................................................ .96 Real Estate.................................................................................................................. 550 Miscellaneous Assets ................................................................................................. 572 Other .......................................................................................................................... 619 Total ................................................................................................................... $13,324 LIABILITIES Personal Accounts: 16. Personal Trusts ..................................................................................................... $2,463 17. Estates & Guardianships ..............................................................................................59 18. Investment Management & Advisory...................................................................... 2,652 19. Custodial………….. ................................................................................................ 1,582 20. Agencies………….......................................................................................................666 Employee Benefit Accounts: 21. Trusts ....................................................................................................................... 1,962 22. Agencies ..................................................................................................................... 789 23. Custodial ..................................................................................................................... 705 Corporate and Municipal Securities Appointments: 24. Bond Trusteeships ................................................................................................... 1,254 25. Agencies ..................................................................................................................... 226 Collective Investment Funds: 26. Personal ...................................................................................................................... 810 27. Employee Benefit ........................................................................................................ 154 Internal Accounts: 28. Profit Accounts ................................................................................................................ 0 29. Suspense Accounts ........................................................................................................ 2 30. Total………………………………………… ..........…………………………………$13,324 Arkansas State Bank Department 26 CONSOLIDATED REPORT OF CONDITION DATA 17 NATIONAL BANKS (in millions) JUNE 30, 2017 ASSETS Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ....................................... $155 b. Interest-bearing balances .................................................................................... 243 Securities: a. Held-to-maturity.................................................................................................... 268 b. Available-for-sale .............................................................................................. 1,152 Federal funds sold and securities purchased under agreements to resell ....................................................... 49 Net loans and leases ........................................................................................................ 4,802 Trading assets ......................................................................................................................... 0 Premises and fixed assets ................................................................................................... 169 Other real estate owned .......................................................................................................... 5 Goodwill and other intangibles .............................................................................................. 41 All other assets .................................................................................................................... 227 Total assets ..................................................................................................................... $7,111 LIABILITIES Deposits: a. In domestic offices .......................................................................................... $5,866 (1) Noninterest-bearing .................................................................... 1,359 (2) Interest-bearing........................................................................... 4,507 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 .......................................................... 6 Trading liabilities ...................................................................................................................... 0 Other borrowed money…. .................................................................................................. .389 Subordinated notes and debentures ....................................................................................... 0 All other liabilities ................................................................................................................... 32 Total liabilities.................................................................................................................... 6,293 EQUITY CAPITAL Minority interests in consolidated subsidiaries ........................................................................ 0 Perpetual preferred stock ........................................................................................................ 0 Common stock ....................................................................................................................... 11 Surplus ................................................................................................................................. 295 Undivided profits .................................................................................................................. 512 Total equity capital ............................................................................................................... 818 Total liabilities, minority interest and equity capital ........................................................$7,111 One Hundred and Third Report 27 TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 2017 BANK CITY Southern Bancorp Bank FNBC Bank RiverWind Bank First Community Bank The Citizens Bank Bank of Bearden First National Bank of North Arkansas Farmers Bank And Trust Company First Western Bank Community State Bank The First National Bank of Izard County Bank of Cave City The Merchants and Planters Bank Centennial Bank First National Bank of Crossett First State Bank Chambers Bank River Town Bank Bank of Delight First State Bank of DeQueen Arkansas County Bank DeWitt Bank And Trust Company Merchants & Farmers Bank First Financial Bank Bank of England Cornerstone Bank Arvest Bank Signature Bank of Arkansas FBT Bank & Mortgage Armor Bank, National Association First National Bank of Eastern Arkansas The First National Bank of Fort Smith Bank of Gravett Anstaff Bank First Service Bank Arkadelphia Ash Flat Augusta Batesville Batesville Bearden Berryville Blytheville Booneville Bradley Calico Rock Cave City Clarendon Conway Crossett Crossett Danville Dardanelle Delight DeQueen DeWitt DeWitt Dumas El Dorado England Eureka Springs Fayetteville Fayetteville Fordyce Forrest City Forrest City Fort Smith Gravette Green Forest Greenbrier RATIO 8.82 9.59 9.97 8.60 8.66 13.02 10.90 9.57 8.11 13.62 34.16 8.03 11.38 12.41 11.38 14.00 12.14 11.97 16.85 9.47 11.17 16.85 10.14 12.87 14.92 9.90 7.90 12.14 10.90 11.28 10.21 11.40 13.97 9.25 10.17 28 Arkansas State Bank Department BANK CITY Farmers Bank Generations Bank Helena National Bank Horatio State Bank Today's Bank First Arkansas Bank & Trust The Bank of Lake Village Bank of Little Rock Bank of the Ozarks Bear State Bank Central Bank Eagle Bank & Trust Company Heartland Bank One Bank & Trust, National Association The Capital Bank First State Bank Farmers Bank and Trust Company The Peoples Bank The Malvern National Bank First Community Bank of Eastern Arkansas First Delta Bank Bank of McCrory First NaturalState Bank McGehee Bank The Union Bank of Mena Commercial Bank & Trust Company Union Bank And Trust Company Petit Jean State Bank Integrity First Bank, National Association Stone Bank Diamond Bank Merchants & Planters Bank First National Bank The First National Bank at Paris Piggott State Bank Relyance Bank, National Association Simmons Bank RiverBank Home Bank of Arkansas Bank of Prescott Gateway Bank Greenwood Hampton Helena - W. Helena Horatio Huntsville Jacksonville Lake Village Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Lonoke Magnolia Magnolia Malvern Marion Marked Tree McCrory McGehee McGehee Mena Monticello Monticello Morrilton Mountain Home Mountain View Murfreesboro Newport Paragould Paris Piggott Pine Bluff Pine Bluff Pocahontas Portland Prescott Rison RATIO 18.82 9.07 15.23 11.05 9.92 15.21 10.80 10.63 13.81 9.67 11.17 11.85 4.32 3.45 9.58 9.67 9.28 9.53 9.89 13.14 10.84 11.12 11.80 14.54 10.13 10.05 9.50 12.37 9.63 10.59 9.56 10.30 10.40 11.29 9.30 11.95 9.62 9.32 10.83 13.96 11.87 One Hundred and Third Report BANK CITY First State Bank Bank of Salem Logan County Bank First Security Bank Peoples Bank Smackover State Bank Riverside Bank Legacy National Bank United Bank Bodcaw Bank Bank of Star City Security Bank The Farmers and Merchants Bank Citizens Bank & Trust Company The First National Bank of Lawrence County First State Bank of Warren Warren Bank and Trust Company Evolve Bank & Trust Fidelity National Bank Cross County Bank The First National Bank of Wynne Russellville Salem Scranton Searcy Sheridan Smackover Sparkman Springdale Springdale Stamps Star City Stephens Stuttgart Van Buren Walnut Ridge Warren Warren West Memphis West Memphis Wynne Wynne 29 RATIO 11.67 11.07 18.95 15.34 13.45 12.36 8.12 11.26 13.15 11.63 15.94 8.61 11.26 12.11 10.69 10.74 16.47 8.34 10.95 12.19 10.23 30 Arkansas State Bank Department NATIONAL BANKS HEADQUARTERED IN ARKANSAS JUNE 30, 2017 (000’s omitted) BANK CITY First National Bank of North Arkansas The First National Bank of Izard County First National Bank of Crossett First National Bank of Eastern Arkansas Armor Bank, National Association The First National Bank of Fort Smith Helena National Bank One Bank & Trust, National Association The Malvern National Bank Integrity First Bank, National Association First National Bank The First National Bank at Paris Relyance Bank, National Association Legacy National Bank The First National Bank of Lawrence County Fidelity National Bank The First National Bank of Wynne Berryville Calico Rock Crossett Forrest City Forrest City Fort Smith Helena – W. Helena Little Rock Malvern Mountain Home Paragould Paris Pine Bluff Springdale Walnut Ridge West Memphis Wynne ASSETS 190,888 162,686 145,634 389,855 50,887 1,278,874 169,297 284,014 513,304 458,223 1,255,874 149,788 743,444 441,515 198,793 398,331 279,252 REPORT OF THE EIGHTY STATE CHARTERED COMMERCIAL BANKS JUNE 30, 2017 (000’s omitted) 32 Arkansas State Bank Department Southern Bancorp Bank Arkadelphia, AR VOICE: (870) 246-5811 FAX: (870) 246-5284 Trust Powers: Yes 605 Main Street 71923-0248 Charter Number: 142 Date: September 28, 1903 FDIC Certificate Number: 1528 Home Page: www.banksouthern.com Member of Federal Reserve System Bank Holding Company Southern Bancorp Inc., Arkadelphia, AR Chm: Sherman E. Tate SVP: Gina Daniell CEO/Pres: John Olaimey TO: Terri Bowling Cash and Due from:.................................... 43,557 Federal Funds and Repos: .................................. 1 Investments: ............................................. 209,664 Net Loans: ................................................ 840,151 Premises and Fixed Assets:........................ 41,156 Other Real Estate: ........................................ 5,310 Other Assets: .............................................. 84,756 Total Assets: .......................................... 1,224,595 Total Trust Assets: ...................................... 17,321 Deposits: .................................................. 966,397 Federal Funds and Borrowings: ................ 112,273 Other Liabilities: ............................................ 6,757 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,085,427 Total Equity Capital: .................................. 139,168 Total Liabilities and Capital: ................... 1,224,595 Number of Shares Outstanding: .................. 24,000 Directors: Hugh Arant, Jr.; Jerry Damerow; Kim Evans; Mike Montgomery; Walter Morris, Jr.; John Olaimey; Darryl Swinton; Sherman Tate; Darrin Williams Branches in Town: One Other Branches: Barton, Bismarck, Blytheville (4), Clarksdale[MS], Drew[MS], El Dorado (2), Elaine, Eudora, Friars Point[MS], Gosnell, Greenville[MS] (2), Gurdon, Hamburg, Helena-West Helena (3), Hernando[MS], Hot Springs (3), Indianola[MS], Lambert[MS], Leland[MS], Lula[MS], Madison[MS], Malvern, Manila (2), Marvell, Mound Bayou[MS], Picayune[MS], Ruleville[MS], Shelby[MS], Sledge[MS], Trumann, Webb[MS] One Hundred and Third Report 33 FNBC Bank Ash Flat, AR VOICE: (870) 994-2311 FAX: (870) 257-1889 Trust Powers: No Chm: Martin Carpenter CEO/Pres: Marty Sellars 636 Ash Flat Drive 72513 Charter Number: 793 Date: January 16, 2014 FDIC Certificate Number: 1294 Home Page: www.fnbc.us Member of Federal Reserve System Bank Holding Company FNBC Bancorp Inc., Ash Flat, AR EVP: Dana Batterton EVP/CFO: Michael Burris Cash and Due from: ...................................... 8,958 Federal Funds and Repos: .................................. 0 Investments: ................................................ 81,010 Net Loans:................................................. 320,860 Premises and Fixed Assets: ........................ 11,460 Other Real Estate: ............................................422 Other Assets: .............................................. 14,519 Total Assets: ............................................. 437,229 Total Trust Assets: .............................................. 0 Deposits: ................................................... 307,227 Federal Funds and Borrowings: ...................84,000 Other Liabilities:.............................................7,723 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 398,950 Total Equity Capital: ....................................38,279 Total Liabilities and Capital: ....................... 437,229 Number of Shares Outstanding: ................ 100,000 Directors: Martin Carpenter; Borum Cooper; Rhonda Moody; Norma Orr; Marty Sellars Branches in Town: None Other Branches: Batesville, Cherokee Village, Hardy, Highland, Horseshoe Bend, Mammoth Spring, Melbourne, Mountain Home, Salem RiverWind Bank Augusta, AR VOICE: (870) 347-2511 FAX: (870) 347-2654 Trust Powers: Yes 100 South Second Street 72006-0120 Charter Number: 669 Date: February 20, 1935 FDIC Certificate Number: 15035 Home Page: www.riverwindbank.com Bank Holding Company None Chm: Charles P. Eldridge Pres: Casey Cullipher CEO: William D. "Bill" Patton EVP/TO: Martha Ray Cash and Due from: ...................................... 4,362 Federal Funds and Repos: ............................ 6,250 Investments: ................................................ 18,357 Net Loans:................................................... 66,009 Premises and Fixed Assets: .............................687 Other Real Estate: ..............................................32 Other Assets: ................................................ 4,235 Total Assets: ............................................... 99,932 Total Trust Assets: ........................................ 3,853 Deposits: .....................................................87,824 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................2,393 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................90,217 Total Equity Capital: ......................................9,715 Total Liabilities and Capital: .........................99,932 Number of Shares Outstanding: ....................8,000 Directors: Dr. Steven Collier; Winston Collier; W. P. Daniel, Jr.; W. P. Daniel, III; Charlie Eldridge; Mark Eldridge; R. E. Gregory, Jr.; Ronald Jones; William D. "Bill" Patton Branches in Town: One Other Branches: Searcy (2) 34 Arkansas State Bank Department First Community Bank Batesville, AR VOICE: (870) 612-3400 FAX: (870) 612-3412 Trust Powers: Yes 1325 Harrison Street 72501-4327 Charter Number: 770 Date: June 20, 1997 FDIC Certificate Number: 34533 Home Page: www.firstcommunity.net Bank Holding Company First Community Bancshares, Inc., Batesville, AR Chm/CEO: Dale E. Cole SVP: Troy Henley Pres/COO: Boris A. Dover SVP/TO: Chris Treat Cash and Due from:.................................... 23,372 Federal Funds and Repos: .................................. 0 Investments: ............................................. 186,193 Net Loans: ................................................ 967,963 Premises and Fixed Assets:........................ 34,744 Other Real Estate: ........................................ 6,511 Other Assets: .............................................. 30,891 Total Assets: .......................................... 1,249,674 Total Trust Assets: .................................... 121,390 Deposits: .................................................. 984,933 Federal Funds and Borrowings: ................ 153,874 Other Liabilities: ............................................ 4,347 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,143,154 Total Equity Capital: .................................. 106,520 Total Liabilities and Capital: ................... 1,249,674 Number of Shares Outstanding: .................. 34,523 Directors: Donald C. Bedell; Dale E. Cole; Boris A. Dover; Preston W. "Chip" Grace, III; Rick Kent; Ray LaCroix; Dianne Lamberth; Dr. Charles McClain; John Sarratt; Frank Tripp; Sheila Wagnon; Keith Webb Branches in Town: Two Other Branches: Bald Knob, Bay, Cabot, Cave City, Cherokee Village, Goodman[MO], Jane[MO], Jonesboro (2), Lepanto, Mountain Home, Neosho[MO] (2), Searcy (3) The Citizens Bank Batesville, AR VOICE: (870) 793-4441 FAX: (870) 698-6299 Trust Powers: Yes 200 South Third Street 72501 Charter Number: 705 Date: February 19, 1953 FDIC Certificate Number: 17211 Home Page: www.thecitizensbank.net Member of Federal Reserve System Bank Holding Company Citizens Bancshares of Batesville, Inc., Batesville, AR CEO/Pres: Phil Baldwin SVP/TO: Gene Crawford EVP/CFO: Karen Shaw Cash and Due from:.................................... 17,875 Federal Funds and Repos: .................................. 0 Investments: ............................................. 128,779 Net Loans: ................................................ 567,964 Premises and Fixed Assets:........................ 16,614 Other Real Estate: ........................................... 823 Other Assets: .............................................. 27,725 Total Assets: ............................................. 759,780 Total Trust Assets: .................................... 158,026 Deposits: .................................................. 646,348 Federal Funds and Borrowings: .................. 34,886 Other Liabilities: ............................................ 1,374 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 682,608 Total Equity Capital: .................................... 77,172 Total Liabilities and Capital: ...................... 759,780 Number of Shares Outstanding: .................. 16,500 Directors: Phil Baldwin; Dr. Lackey G. Moody, M.D.; Doyle "Rog" Rogers, Jr.; Jay F. Shell; Kay Southerland; Jeffery F. Teague; Paula Terrell Branches in Town: Five Other Branches: Arkadelphia, Cave City, Crossett, Fayetteville, Hot Springs (2), Imboden, Monticello (2), Mountain View, Pleasant Plains, Portland, Rogers One Hundred and Third Report 35 Bank of Bearden Bearden, AR VOICE: (870) 687-2233 FAX: (870) 687-2474 Trust Powers: No Chm/Pres: Rick Green EVP: Ken Riley 1 Second Street 71720-0135 Charter Number: 688 Date: June 17, 1945 FDIC Certificate Number: 16282 Bank Holding Company Bearden Bancshares, Inc., Bearden, AR VP: Donnie Castleberry VP/Cash: Susan Lusby Cash and Due from: ...................................... 5,776 Federal Funds and Repos: ............................ 9,875 Investments: .................................................. 6,228 Net Loans:................................................... 27,459 Premises and Fixed Assets: .............................122 Other Real Estate: ............................................... 0 Other Assets: ...................................................185 Total Assets: ............................................... 49,645 Total Trust Assets: .............................................. 0 Deposits: .....................................................43,494 Federal Funds and Borrowings: ........................... 0 Other Liabilities:................................................. 27 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................43,521 Total Equity Capital: ......................................6,124 Total Liabilities and Capital: .........................49,645 Number of Shares Outstanding: ....................8,300 Directors: John E. Anthony; Steven M. Anthony; Rick Green; Ronald A. Ramsay; Ken Riley; Russell G. Weatherly; Brett Wood; Betty Word; Steve Wright Branches in Town: None Other Branches: None Farmers Bank And Trust Company Blytheville, AR VOICE: (870) 763-8101 FAX: (870) 763-3500 Trust Powers: Yes Chm/CEO: Steve Bell Pres/COO: Randy Scott 400 West Main 72315-0688 Charter Number: 253 Date: March 16, 1908 FDIC Certificate Number: 1027 Home Page: www.farmersbankbly.com Member of Federal Reserve System Bank Holding Company Farmers Bancorp, Inc., Blytheville, AR CFO: Shelly Crosskno Cash and Due from: .................................... 54,860 Federal Funds and Repos: .................................. 0 Investments: ................................................ 15,205 Net Loans:................................................. 397,148 Premises and Fixed Assets: ........................ 10,782 Other Real Estate: ......................................... 1,069 Other Assets: .............................................. 13,470 Total Assets: ............................................. 492,534 Total Trust Assets: .............................................. 0 Deposits: ................................................... 443,693 Federal Funds and Borrowings: ....................... 765 Other Liabilities:.............................................1,949 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 446,407 Total Equity Capital: ....................................46,127 Total Liabilities and Capital: ....................... 492,534 Number of Shares Outstanding: ..................40,000 Directors: Dan B. Andrews, Jr.; Steve Bell; Paula O. Blackwell; Ronny Goff; John Langston; Drew G. Lawrence; Gaylon M. Lawrence, Jr.; Randy Scott; Harold Sudbury, Jr.; Tommy W. Wagner, Jr. Branches in Town: Four Other Branches: Franklin[TN], Manila, Nashville[TN], Wilson 36 Arkansas State Bank Department First Western Bank Booneville, AR VOICE: (479) 936-2000 FAX: (479) 878-3408 Trust Powers: Yes 80 West Main 72927-0238 Charter Number: 397 Date: April 18, 1910 FDIC Certificate Number: 13083 Home Page: www.fwbank.com Member of Federal Reserve System Bank Holding Company First Western Bancshares, Inc., Booneville, AR Chm/CEO: John T. Hampton EVP/COO: Lynne Coan Pres/COO: Steve Gramling SVP/CFO: Andrea Shepherd Cash and Due from:.................................... 10,987 Federal Funds and Repos: .................................. 0 Investments: ................................................. 9,280 Net Loans: ................................................ 311,572 Premises and Fixed Assets:........................ 13,864 Other Real Estate: ........................................ 4,726 Other Assets: .............................................. 14,763 Total Assets: ............................................. 365,192 Total Trust Assets: ............................................... 0 Deposits: .................................................. 320,261 Federal Funds and Borrowings: .................. 11,200 Other Liabilities: ............................................ 3,241 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 334,702 Total Equity Capital: .................................... 30,490 Total Liabilities and Capital: ...................... 365,192 Number of Shares Outstanding: ................ 100,000 Directors: Dan Brown; Clay Conly; Matt Crafton; Steve Gramling; John T. Hampton; John Mack; David Remy; Dale Webster; Johnny Williams; Jane Woolley Branches in Town: One Other Branches: Bella Vista, Bentonville, Caulksville, Fort Smith, Magazine, Rogers (3) Community State Bank Bradley, AR VOICE: (870) 894-3322 FAX: (870) 894-3324 Trust Powers: No Chm: Alex Golden CEO/Pres: Bob Genestet 208 West Fourth Street 71826-0120 Charter Number: 653 Date: April 10, 1933 FDIC Certificate Number: 5619 Bank Holding Company Allcorp, Inc., Little Rock, AR EVP/SLO: Sherri Jones VP/Cash: Regina Smith Cash and Due from:...................................... 3,579 Federal Funds and Repos: .................................. 0 Investments: ................................................. 3,717 Net Loans: .................................................... 6,193 Premises and Fixed Assets:............................. 423 Other Real Estate: ............................................... 0 Other Assets: ................................................... 735 Total Assets: ............................................... 14,647 Total Trust Assets: ............................................... 0 Deposits: .................................................... 12,000 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 35 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 12,035 Total Equity Capital: ...................................... 2,612 Total Liabilities and Capital: ........................ 14,647 Number of Shares Outstanding: .................. 10,000 Directors: Bob Genestet; Alex Golden; Ellen Golden; Lex Golden; Amy McCay Branches in Town: None Other Branches: None One Hundred and Third Report 37 Bank of Cave City Cave City, AR VOICE: (870) 283-5301 FAX: (870) 283-6466 Trust Powers: Yes 137 South Main Street 72521-0490 Charter Number: 209 Date: July 2, 1906 FDIC Certificate Number: 105 Home Page: www.bankofcavecity.com Member of Federal Reserve System Bank Holding Company Sharp Bancshares, Inc., Cave City, AR CEO/Pres: John M. Beller EVP/COO: Kim Nunnally EVP/CFO: Dennis Esteb EVP/CLO: Gayla Hickman Cash and Due from: ...................................... 6,344 Federal Funds and Repos: .................................. 0 Investments: ................................................ 20,902 Net Loans:................................................... 71,036 Premises and Fixed Assets: .......................... 4,107 Other Real Estate: ............................................537 Other Assets: ................................................ 6,271 Total Assets: ............................................. 109,197 Total Trust Assets: .............................................. 0 Deposits: .....................................................90,744 Federal Funds and Borrowings: .....................7,534 Other Liabilities:.............................................2,077 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 100,355 Total Equity Capital: ......................................8,842 Total Liabilities and Capital: ....................... 109,197 Number of Shares Outstanding: ....................4,000 Directors: James E. Baxter; John Beller; Samuel F. Beller; Dennis Esteb; John H. Pettersen; Bruce Street; Scott Street Branches in Town: None Other Branches: Evening Shade, Lynn, Strawberry The Merchants and Planters Bank Clarendon, AR VOICE: (870) 747-3319 FAX: (870) 747-3498 Trust Powers: No 297 Madison 72029-0280 Charter Number: 21 Date: July 23, 1890 FDIC Certificate Number: 107 Bank Holding Company Clarendon Holding Co., Clarendon, AR Chm: J. Baxter Sharp, III Pres: J. Kendall Henry Cash and Due from: ...................................... 2,113 Federal Funds and Repos: ............................ 3,975 Investments: ................................................ 28,064 Net Loans:................................................... 11,434 Premises and Fixed Assets: .............................285 Other Real Estate: ..............................................60 Other Assets: ...................................................321 Total Assets: ............................................... 46,252 Total Trust Assets: .............................................. 0 Deposits: .....................................................40,845 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 121 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................40,966 Total Equity Capital: ......................................5,286 Total Liabilities and Capital: .........................46,252 Number of Shares Outstanding: ....................5,660 Directors: James W. Faulkner; Joe Griffith; J. Kendall Henry; Kelly Lawless; E. Davidson Lee; Kirby Meacham, Jr.; J. Baxter Sharp, III Branches in Town: None Other Branches: None 38 Arkansas State Bank Department Centennial Bank Conway, AR VOICE: (501) 328-4663 FAX: (501) 328-4601 Trust Powers: Yes 620 Chestnut Street 72032 Charter Number: 118 Date: May 12, 1903 FDIC Certificate Number: 11241 Home Page: www.my100bank.com Member of Federal Reserve System Bank Holding Company Home BancShares, Inc., Conway, AR Chm: John W. Allison EVP: Kevin Hester CEO/Pres: Tracy French CFO: Brian Davis Cash and Due from:.................................. 466,180 Federal Funds and Repos: .................................. 0 Investments: .......................................... 1,648,159 Net Loans: ............................................. 7,754,338 Premises and Fixed Assets:...................... 205,629 Other Real Estate: ...................................... 18,790 Other Assets: ............................................ 768,135 Total Assets: ........................................ 10,861,231 Total Trust Assets: .................................... 543,930 Deposits: ............................................... 7,861,199 Federal Funds and Borrowings: ............. 1,233,219 Other Liabilities: .......................................... 40,209 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 9,134,627 Total Equity Capital: ............................... 1,726,604 Total Liabilities and Capital: ................. 10,861,231 Number of Shares Outstanding: .................... 2,400 Directors: Milburn Adams; Robert H. Adcock, Jr.; John W. Allison; Rick Ashley; Brian Davis; Jack Engelkes; William J. Farris, Jr.; Tracy French; Kevin Hester; Jim Rankin, Jr.; C. Randall Sims Branches in Town: Six Other Branches: Apalachicola[FL], Atkins, Batesville (2), Beebe (2), Bentonville, Big Pine Key[FL], Blountstown[FL], Boca Raton[FL], Bristol[FL], Bryant, Cabot (4), Carrabelle[FL], Clarksville, Clearwater[FL], Crawfordville[FL], Dade City[FL], Daphne[AL], Dardanelle, Davie[FL], Destin[FL], Eastpoint[FL], Elberta[AL], Fairhope[AL], Fayetteville (2), Foley[AL], Fort Lauderdale[FL] (2), Fort Smith (3), Greenbrier, Gulf Shores[AL], Heber Springs, Highland, Hollywood[FL], Islamorada[FL], Jacksonville (2), Jonesboro (5), Key Largo[FL], Key West[FL] (3), Kissimmee[FL], Lake Mary[FL], Lakeland[FL], Lakewood Ranch[FL], Little Rock (8), Lutz[FL], Marathon[FL] (2), Marco Island[FL], Mayflower, Mexico Beach[FL], Monette, Morrilton, Mountain Home, Mountain View (2), Naples[FL], Navarre[FL], New York[NY], North Little Rock (6), Orange Beach[AL], Orlando[FL], Panama City[FL], Panama City Beach[FL] (2), Paragould (3), Pensacola[FL] (2), Plant City[FL], Port Charlotte[FL], Port Saint Joe[FL], Pottsville, Punta Gorda[FL], Quincy[FL], Quitman, Rector, Rogers, Russellville (3), Saint George Island[FL], Saint Petersburg[FL], Santa Rosa Beach[FL] (2), Sarasota[FL] (2), Searcy (3), Sherwood, Siloam Springs (2), Spring Hill[FL], Springdale, St. Cloud[FL], Tallahassee[FL] (6), Tamarac[FL], Tampa[FL] (3), Tontitown, Van Buren, Vilonia, Ward, Wewahitchka[FL], Winter Haven[FL], Winter Park[FL], Zephyrhills[FL] One Hundred and Third Report 39 First State Bank Crossett, AR VOICE: (870) 364-5131 FAX: (870) 364-6329 Trust Powers: No 200 Pine Street 71635-0638 Charter Number: 718 Date: May 13, 1963 FDIC Certificate Number: 18987 Home Page: www.fsbcrossett.com Bank Holding Company Evergreen Bancshares, Inc., Crossett, AR Chm: Richard E. Griffin SVP: Tressie A. Mills CEO/Pres: Howard M. Beaty, Jr. VP: Edith Morrison Cash and Due from: ...................................... 8,079 Federal Funds and Repos: .................................. 0 Investments: .................................................. 6,341 Net Loans:................................................... 17,882 Premises and Fixed Assets: .......................... 1,281 Other Real Estate: ............................................532 Other Assets: ................................................ 1,198 Total Assets: ............................................... 35,313 Total Trust Assets: .............................................. 0 Deposits: .....................................................30,016 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 296 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................30,312 Total Equity Capital: ......................................5,001 Total Liabilities and Capital: .........................35,313 Number of Shares Outstanding: ................ 100,000 Directors: Howard M. Beaty, Jr.; Patricia Draper; Richard E. Griffin; Toyce Newton; Harry D. Stephens, Jr.; Barney White Branches in Town: One Other Branches: None Chambers Bank Danville, AR VOICE: (479) 495-2236 FAX: (479) 495-4650 Trust Powers: No 901 Main Street 72833-0609 Charter Number: 615 Date: October 3, 1930 FDIC Certificate Number: 5615 Home Page: www.chambers-bank.com Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm/CEO: John Ed Chambers, III CCO: John Moore Pres: Mike Donnell CFO: Landi Mkhize Cash and Due from: ...................................... 6,276 Federal Funds and Repos: .......................... 35,975 Investments: ................................................ 37,042 Net Loans:................................................. 605,104 Premises and Fixed Assets: ........................ 11,296 Other Real Estate: ....................................... 15,899 Other Assets: .............................................. 30,363 Total Assets: ............................................. 741,955 Total Trust Assets: .............................................. 0 Deposits: ................................................... 606,741 Federal Funds and Borrowings: ...................36,360 Other Liabilities:.............................................5,769 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 648,870 Total Equity Capital: ....................................93,085 Total Liabilities and Capital: ....................... 741,955 Number of Shares Outstanding: ..................10,000 Directors: Thomas Akin; Danny Bunting; John Ed Chambers, III; Bill Donnell; Mike Donnell; Nathan George; Larry Hillyard; John Russell Meeks; John O. Moore; Robert R. Redfern Branches in Town: One Other Branches: Amity, Dardanelle, Elkins (2), Fayetteville, Fort Smith (2), Havana, Hot Springs, Hot Springs Village, Mansfield, Mena, Rogers, Springdale (2), Waldron 40 Arkansas State Bank Department River Town Bank Dardanelle, AR VOICE: (479) 229-3311 FAX: (479) 229-4180 Trust Powers: Yes 102 North Front Street 72834-0577 Charter Number: 668 Date: September 12, 1934 FDIC Certificate Number: 14749 Home Page: www.rivertownbank.com Bank Holding Company Bank of Dardanelle Bankshares, Inc., Dardanelle, AR Chm/CEO/Pres: Blake Tarpley CFO: Randy Blanton EVP: Thomas C. Berryhill Cash and Due from:...................................... 9,011 Federal Funds and Repos: .................................. 0 Investments: ............................................... 25,476 Net Loans: .................................................. 92,823 Premises and Fixed Assets:.......................... 6,148 Other Real Estate: ........................................... 385 Other Assets: ................................................ 3,291 Total Assets: ............................................. 137,134 Total Trust Assets: ............................................... 0 Deposits: .................................................. 115,686 Federal Funds and Borrowings: .................... 4,222 Other Liabilities: ............................................... 201 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 120,109 Total Equity Capital: .................................... 17,025 Total Liabilities and Capital: ...................... 137,134 Number of Shares Outstanding: .................... 8,000 Directors: Dee Abrams; Thomas C. Berryhill; Barbara Bullock; Bunny Bullock; William R. Bullock, Sr.; Kimberly Hightower; Blake Tarpley; Adam Waldron Branches in Town: One Other Branches: Atkins, Conway, Danville, Dover, Russellville (2) Bank of Delight Delight, AR VOICE: (870) 379-2293 FAX: (870) 379-2575 Trust Powers: No 503 East Antioch 71940-0068 Charter Number: 342 Date: June 16, 1911 FDIC Certificate Number: 99 Home Page: www.bankofdelight.com Bank Holding Company None Chm/CEO: Darwin Hendrix Pres/COO: Vince Grimes Cash and Due from:...................................... 4,903 Federal Funds and Repos: ......................... 12,675 Investments: ............................................... 11,497 Net Loans: .................................................. 79,860 Premises and Fixed Assets:............................. 776 Other Real Estate: ........................................... 222 Other Assets: ................................................ 1,416 Total Assets: ............................................. 111,349 Total Trust Assets: ............................................... 0 Deposits: .................................................... 84,000 Federal Funds and Borrowings: .................... 8,505 Other Liabilities: ............................................... 130 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 92,635 Total Equity Capital: .................................... 18,714 Total Liabilities and Capital: ...................... 111,349 Number of Shares Outstanding: .................. 15,583 Directors: Gary Chambliss; Rodney Fagan; Darwin Hendrix; David B. Hendrix; John D. Ledbetter; Jeff L. Milam; Rusty Silvey Branches in Town: None Other Branches: Gurdon, Prescott One Hundred and Third Report 41 First State Bank of DeQueen DeQueen, AR VOICE: (870) 642-4423 FAX: (870) 642-2847 Trust Powers: No 402 West Collin Raye Drive 71832-0970 Charter Number: 731 Date: August 26, 1974 FDIC Certificate Number: 21805 Home Page: www.fsbdequeen.com Member of Federal Reserve System Bank Holding Company First State Bancshares, Inc., DeQueen, AR Chm: Dennis Smiley Reg Pres: Noel Bard CEO/Pres: Gary L. Golden Reg Pres: J. Marc Jackson Cash and Due from: .................................... 10,358 Federal Funds and Repos: .................................. 0 Investments: ................................................ 41,406 Net Loans:................................................. 165,142 Premises and Fixed Assets: .......................... 5,608 Other Real Estate: ..............................................22 Other Assets: ................................................ 8,129 Total Assets: ............................................. 230,665 Total Trust Assets: .............................................. 0 Deposits: ................................................... 199,038 Federal Funds and Borrowings: .....................8,024 Other Liabilities:.............................................3,022 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 210,084 Total Equity Capital: ....................................20,581 Total Liabilities and Capital: ....................... 230,665 Number of Shares Outstanding: ..................76,000 Directors: Julie Brown; Gary Dan Futrell; Gary L. Golden; Edward Revels; Dennis Smiley; Don Stemple; Angie Walker Branches in Town: One Other Branches: Dierks, Lockesburg, Murfreesboro, Nashville Arkansas County Bank DeWitt, AR VOICE: (870) 946-3551 220 West Cross Street Charter Number: 790 FAX: (870) 946-1562 72042 Date: September 26, 2006 Trust Powers: Yes FDIC Certificate Number: 3858 Home Page: www.arkansascountybank.com Member of Federal Reserve System Bank Holding Company DeWitt First Bankshares Corporation, DeWitt, AR CEO/Pres: Warren A. Jennings, Jr. VP/TO: Gena M. Jennings VP/Cash: Mary West Cash and Due from: ...................................... 2,768 Federal Funds and Repos: .................................. 0 Investments: ................................................ 55,276 Net Loans:................................................... 97,595 Premises and Fixed Assets: .......................... 3,972 Other Real Estate: ............................................691 Other Assets: ................................................ 2,793 Total Assets: ............................................. 163,095 Total Trust Assets: ...................................... 27,968 Deposits: ................................................... 122,664 Federal Funds and Borrowings: ...................21,754 Other Liabilities:............................................... 202 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 144,620 Total Equity Capital: ....................................18,475 Total Liabilities and Capital: ....................... 163,095 Number of Shares Outstanding: .......................... 1 Directors: Dale K. Bennett; Kim B. Bethea; Georgea M. Greaves; M. Edward Hord; Waymon Hornbeck; Mary M. Jennings; Warren Jennings, Jr.; Warren A. Jennings, Sr.; K. Daniel Kennedy; Lester A. McKinley; James N. Moss, Jr.; Gary Sebree Branches in Town: None Other Branches: Lockesburg, Stuttgart 42 Arkansas State Bank Department DeWitt Bank And Trust Company DeWitt, AR VOICE: (870) 946-3531 FAX: (870) 946-2815 Trust Powers: Yes Second and Jefferson Streets 72042-0071 Charter Number: 605 Date: March 1, 1929 FDIC Certificate Number: 1522 Home Page: www.dewittbankandtrust.com Bank Holding Company DBT Financial Corporation, DeWitt, AR Chm: Becca Mehlin EVP: Tricia Bull CEO/Pres: David Jessup TO: Jason Grantham Cash and Due from:...................................... 2,224 Federal Funds and Repos: ........................... 4,450 Investments: ............................................... 55,960 Net Loans: .................................................. 33,868 Premises and Fixed Assets:............................. 513 Other Real Estate: ........................................... 128 Other Assets: ................................................ 6,834 Total Assets: ............................................. 103,977 Total Trust Assets: ...................................... 74,255 Deposits: .................................................... 75,152 Federal Funds and Borrowings: .................. 10,000 Other Liabilities: ............................................... 754 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 85,906 Total Equity Capital: .................................... 18,071 Total Liabilities and Capital: ...................... 103,977 Number of Shares Outstanding: .................. 54,000 Directors: Tricia Bull; Lyn Crawford; James L. Fly, Jr.; David L. Jessup; Charles E. Lumsden; Becca R. Mehlin; Deane Robinson; Hallie Ehrlicher Simonton; Dean Watts Branches in Town: None Other Branches: Gillett Merchants & Farmers Bank Dumas, AR VOICE: (870) 382-4311 FAX: (870) 382-5901 Trust Powers: Yes 500 Highway 65 South 71639 Charter Number: 278 Date: May 10, 1909 FDIC Certificate Number: 8735 Home Page: www.mfbanknet.com Bank Holding Company M & F Financial Corporation, Dumas, AR Chm/CFO: L. Ashton Adcock EVP: Betty B. Trites CEO/Pres: J. Michael Jones TO: Glenda B. Owen Cash and Due from:...................................... 3,189 Federal Funds and Repos: ........................... 2,450 Investments: ............................................... 13,926 Net Loans: ................................................ 102,036 Premises and Fixed Assets:.......................... 4,765 Other Real Estate: ............................................... 0 Other Assets: ................................................ 5,672 Total Assets: ............................................. 132,038 Total Trust Assets: ...................................... 50,488 Deposits: .................................................. 110,980 Federal Funds and Borrowings: .................... 7,782 Other Liabilities: ............................................... 184 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 118,946 Total Equity Capital: .................................... 13,092 Total Liabilities and Capital: ...................... 132,038 Number of Shares Outstanding: .................. 40,000 Directors: L. Ashton Adcock; Jimmie Appleberry; L. Sue Frank; John F. Freeman; Bruce Gasaway; Brooks Gill; Marion S. Gill; James L. Hill; J. Michael Jones; Don Livingston; William W. Shea; David Walt Branches in Town: One Other Branches: Bryant One Hundred and Third Report 43 First Financial Bank El Dorado, AR VOICE: (870) 863-7000 FAX: (870) 881-5393 Trust Powers: No 214 North Washington Street Charter Number: 778 71730-1754 Date: April 15, 1999 FDIC Certificate Number: 28905 Home Page: www.ffb1.com Member of Federal Reserve System Bank Holding Company First Financial Banc Corporation, El Dorado, AR Chm: Jeffrey W. Nolan CFO: Melissa Jerry CEO/Pres: Chris Hegi Sec: Debra Martin Cash and Due from: .................................... 15,072 Federal Funds and Repos: .......................... 41,313 Investments: ................................................ 19,992 Net Loans:................................................. 780,901 Premises and Fixed Assets: .......................... 8,567 Other Real Estate: ......................................... 5,165 Other Assets: .............................................. 38,580 Total Assets: ............................................. 909,590 Total Trust Assets: .............................................. 0 Deposits: ................................................... 673,988 Federal Funds and Borrowings: ................. 113,375 Other Liabilities:.............................................2,550 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 789,913 Total Equity Capital: .................................. 119,677 Total Liabilities and Capital: ....................... 909,590 Number of Shares Outstanding: ................ 704,757 Directors: Jerry Bullard; J. Stephen Cameron; Chris Hegi; James M. Moore, Jr.; Margaret M. Niel; Jeffrey W. Nolan; Gary W. Sewell; Dr. Stephen C. Smart Branches in Town: Five Other Branches: Carthage[MS], Little Rock (2), Senatobia[MS], Smackover Bank of England England, AR VOICE: (501) 842-2555 FAX: (501) 842-2422 Trust Powers: No 123 South Main Street 72046-0070 Charter Number: 48 Date: August 8, 1898 FDIC Certificate Number: 13303 Home Page: www.bankofengland-ar.com Bank Holding Company Canada Bancshares, Inc., England, AR Chm/Pres: Gary Canada, Jr. EVP: Hanna B. Canada CEO: Gary Canada, Sr. Cash: Sheila Rice Cash and Due from: ...................................... 2,735 Federal Funds and Repos: .................................. 0 Investments: ................................................ 21,194 Net Loans:................................................. 281,729 Premises and Fixed Assets: .......................... 6,957 Other Real Estate: ......................................... 1,897 Other Assets: .............................................. 18,827 Total Assets: ............................................. 333,339 Total Trust Assets: .............................................. 0 Deposits: ................................................... 240,177 Federal Funds and Borrowings: ...................30,019 Other Liabilities:...........................................15,138 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 285,334 Total Equity Capital: ....................................48,005 Total Liabilities and Capital: ....................... 333,339 Number of Shares Outstanding: ..................10,000 Directors: James Neal Anderson; Brad Canada; Gary Canada, Jr.; Gary Canada, Sr.; Hanna B. Canada; Nicole Canada Luebke Branches in Town: One Other Branches: Carlisle, Little Rock, Lonoke, North Little Rock 44 Arkansas State Bank Department Cornerstone Bank Eureka Springs, AR VOICE: (479) 253-2265 FAX: (479) 253-1165 Trust Powers: No 70 South Main 72632-0309 Charter Number: 374 Date: May 4, 1912 FDIC Certificate Number: 5635 Home Page: www.cstonebank.net Bank Holding Company Eureka Bancshares, Inc., Eureka Springs, AR CEO/Pres: Charles T. Cross EVP/CLO: Jason Tennant Cash and Due from:.................................... 14,728 Federal Funds and Repos: .................................. 0 Investments: ............................................... 38,712 Net Loans: ................................................ 156,260 Premises and Fixed Assets:........................ 10,409 Other Real Estate: ........................................ 3,673 Other Assets: ................................................ 7,422 Total Assets: ............................................. 231,204 Total Trust Assets: ............................................... 0 Deposits: .................................................. 192,306 Federal Funds and Borrowings: .................. 14,804 Other Liabilities: ............................................ 1,839 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 208,949 Total Equity Capital: .................................... 22,255 Total Liabilities and Capital: ...................... 231,204 Number of Shares Outstanding: .................... 4,000 Directors: Genes L. Bland; Charles T. Cross; John F. Cross, Sr.; Johnice Cross; Lewis E. Epley, Jr.; William E. Goff; Rex A. Gustin; Daniel J. Mumaugh; Archie B. Ryan, Jr.; Dale Steffens; Mark Stone; Jason F. Tennant; Randy Wolfinbarger Branches in Town: One Other Branches: Berryville, Harrison, Holiday Island, Huntsville One Hundred and Third Report 45 Arvest Bank Fayetteville, AR VOICE: (479) 750-1400 FAX: (479) 770-1615 Trust Powers: Yes 75 North East Street 72702-1327 Charter Number: 31 Date: December 24, 1892 FDIC Certificate Number: 8728 Home Page: www.arvest.com Member of Federal Reserve System Bank Holding Company Arvest Holdings, Inc., Bentonville, AR Chm: Jim C. Walton EVP/CFO: Karla S. Payne CEO/Pres: K. Kevin Sabin EVP/COO: Phil Porter Cash and Due from: ............................... 1,046,143 Federal Funds and Repos: .................................. 0 Investments: ........................................... 4,835,043 Net Loans:............................................ 10,066,210 Premises and Fixed Assets: ...................... 411,701 Other Real Estate: ....................................... 16,684 Other Assets: ............................................ 922,921 Total Assets: ........................................ 17,298,702 Total Trust Assets: ................................. 3,571,118 Deposits: .............................................. 14,984,820 Federal Funds and Borrowings: ................. 413,822 Other Liabilities:......................................... 141,224 Subordinated Debt: ............................................. 0 Total Liabilities: .................................... 15,539,866 Total Equity Capital: ............................... 1,758,836 Total Liabilities and Capital: .................. 17,298,702 Number of Shares Outstanding: ................ 350,692 Directors: Claudia Bratcher; J. Robert Kelly; James M. King; Bradley Krieger; Karla S. Payne; Phillip O. Porter; Lisa Ray; K. Kevin Sabin; Donald E. Walker; Jim C. Walton Branches in Town: Nine Other Branches: Ada[OK], Alma, Anderson[MO], Aurora[MO], Bartlesville[OK] (4), Bella Vista (3), Belton[MO], Benton, Bentonville (6), Berryville (2), Branson[MO], Branson West[MO], Broken Arrow[OK] (4), Bryant, Bull Shoals, Cabot, Caney[KS], Carthage[MO] (2), Cassville[MO], Catoosa[OK], Centerton, Chickasha[OK], Choctaw[OK], Clarksville (2), Conway (3), Coweta[OK], Del City[OK], Dewey[OK] (2), Duncan[OK] (3), Edmond[OK] (3), Elgin[OK], Elkins, Eufaula[OK], Eureka Springs, Farmington, Flippin, Fort Smith (9), Gardner[KS], Gentry, Gladstone[MO], Gravette, Greenwood, Grove[OK], Harrison (3), Hollister[MO], Hot Springs (6), Huntsville (2), Independence[MO], Jacksonville, Jay[OK], Jenks[OK], Joplin[MO] (6), Kansas [OK], Kansas City[MO] (6), Lawton[OK] (4), Lead Hill, Leawood[KS], Lebanon[MO], Lee's Summit[MO] (2), Lenexa[KS], Lincoln, Little Rock (9), Lockwood[MO], Lonoke, Lowell, Maumelle, McAlester[OK], Mena, Miami[OK], Midwest City[OK], Mission[KS], Monett[MO], Moore[OK], Morrilton, Mountain Grove[MO], Mountain Home (3), Muskogee[OK] (4), Neosho[MO] (2), Nevada[MO], Nixa[MO] (2), Noel[MO], Norman[OK] (7), North Little Rock (3), Nowata[OK] (2), Oklahoma City[OK] (9), Okmulgee[OK], Ottawa[KS], Overland Park[KS], Owasso[OK] (2), Paris, Pea Ridge, Pineville[MO], Pittsburg[KS], Poteau[OK], Prairie Grove (2), Pryor[OK] (2), Rogers (7), Russellville (5), Sallisaw[OK], Sand Springs[OK], Sapulpa[OK], Shawnee[OK] (3), Shell Knob[MO], Sherwood (2), Siloam Springs (3), Springdale (8), Springfield[MO] (4), Stillwater[OK] (2), Stilwell[OK], Tahlequah[OK] (3), Tulsa[OK] (18), Van Buren (3), Vinita[OK], Wagoner[OK], Walters[OK], Webb City[MO], West Fork, West Plains[MO], Westville[OK], Yellville, Yukon[OK] 46 Arkansas State Bank Department Signature Bank of Arkansas Fayetteville, AR VOICE: (479) 684-3700 FAX: (479) 684-3795 Trust Powers: Yes 3878 N. Crossover Road, Suite 20 72703 Charter Number: 660 Date: August 28, 1933 FDIC Certificate Number: 89 Home Page: www.sbofa.com Bank Holding Company White River Bancshares Company, Fayetteville, AR Chm/CEO/Pres: Gary R. Head CFO: Russell W. Nugent, Jr. CAO: Brant Ward CLO: Daniel J. Lewis Cash and Due from:.................................... 19,299 Federal Funds and Repos: .................................. 0 Investments: ............................................... 48,266 Net Loans: ................................................ 451,110 Premises and Fixed Assets:.......................... 8,348 Other Real Estate: ...................................... 12,507 Other Assets: ................................................ 9,131 Total Assets: ............................................. 548,661 Total Trust Assets: ............................................... 0 Deposits: .................................................. 440,451 Federal Funds and Borrowings: .................. 38,445 Other Liabilities: ............................................ 4,069 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 482,965 Total Equity Capital: .................................... 65,696 Total Liabilities and Capital: ...................... 548,661 Number of Shares Outstanding: .................. 30,000 Directors: Gary R. Head ; John A. Dominick; Matthew Duffy; Kevin Kooman; Greg Lee; Todd Simmons Branches in Town: None Other Branches: Bentonville, Brinkley (2), Springdale FBT Bank & Mortgage Fordyce, AR VOICE: (870) 352-3107 FAX: (870) 352-5202 Trust Powers: Yes 200 West Fourth Street 71742-2202 Charter Number: 631 Date: January 5, 1931 FDIC Certificate Number: 1028 Home Page: www.fbtbank.com Member of Federal Reserve System Bank Holding Company FBT Bancshares, Inc., Fordyce, AR Chm/CEO/Pres/TO: James V. Hulse, Jr. EVP: Suzette Crutchfield EVP: Craig Attwood EVP: Bruce Dawson Cash and Due from:.................................... 21,957 Federal Funds and Repos: .................................. 0 Investments: ............................................... 43,982 Net Loans: .................................................. 84,990 Premises and Fixed Assets:.......................... 2,161 Other Real Estate: ............................................... 0 Other Assets: ................................................ 4,750 Total Assets: ............................................. 157,840 Total Trust Assets: ........................................ 1,153 Deposits: .................................................. 124,959 Federal Funds and Borrowings: .................. 16,300 Other Liabilities: ............................................... 518 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 141,777 Total Equity Capital: .................................... 16,063 Total Liabilities and Capital: ...................... 157,840 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 Third Report 47 Bank of Gravett Gravette, AR VOICE: (479) 787-5251 FAX: (479) 787-6102 Trust Powers: No 211 Main Street SE 72736 Charter Number: 46 Date: February 28, 1898 FDIC Certificate Number: 5636 Home Page: www.bankofgravett.net Bank Holding Company Gravett Bancshares, Inc., Gravette, AR Pres: Sharron Edmondson SVP: Bob King SVP: Brenda Bridge CFO: Rick Pollreis Cash and Due from: ...................................... 9,193 Federal Funds and Repos: .................................. 0 Investments: ................................................ 25,877 Net Loans:................................................... 74,546 Premises and Fixed Assets: .......................... 2,706 Other Real Estate: ............................................800 Other Assets: ................................................ 6,810 Total Assets: ............................................. 119,932 Total Trust Assets: .............................................. 0 Deposits: ................................................... 102,999 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 271 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 103,270 Total Equity Capital: ....................................16,662 Total Liabilities and Capital: ....................... 119,932 Number of Shares Outstanding: ....................4,000 Directors: Sharron Edmondson; Jim A. Edmonson; Kenny R. Hancock; John A. Lykins; William R. Meade; Richard T. Pollreis; James L. Smith; Rex Waggoner Branches in Town: One Other Branches: Centerton, Hiwasse Anstaff Bank Green Forest, AR VOICE: (870) 438-5214 FAX: (870) 438-5412 Trust Powers: Yes 100 First National Avenue 72638 Charter Number: 801 Date: June 28, 2016 FDIC Certificate Number: 3869 Home Page: www.anstaffbank.com Bank Holding Company First National Bancorp, Inc., Green Forest, AR Chm/CEO: Stephen E. Stafford SVP/CFO: Marcus Walser Pres: Brad King SVP/COO: Byron Russ Cash and Due from: .................................... 13,057 Federal Funds and Repos: .......................... 27,075 Investments: ................................................ 92,870 Net Loans:................................................. 420,497 Premises and Fixed Assets: ........................ 13,503 Other Real Estate: ......................................... 1,399 Other Assets: .............................................. 24,051 Total Assets: ............................................. 592,452 Total Trust Assets: .............................................. 0 Deposits: ................................................... 520,145 Federal Funds and Borrowings: .....................9,185 Other Liabilities:.............................................4,189 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 533,519 Total Equity Capital: ....................................58,933 Total Liabilities and Capital: ....................... 592,452 Number of Shares Outstanding: ....................7,500 Directors: Tommy Ray Anderson; Brad King; Stacy Waller Lile; Ken Reeves; Logan Scott Stafford; Stephen E. Stafford Branches in Town: One Other Branches: Berryville (2), Flippin, Harrison (2), Huntsville, Jasper, Kingston, Mountain Home, Norfork 48 Arkansas State Bank Department First Service Bank Greenbrier, AR VOICE: (501) 679-7200 FAX: (501) 746-4265 Trust Powers: No 136 South Broadview 72058-0190 Charter Number: 732 Date: October 15, 1976 FDIC Certificate Number: 18519 Home Page: www.firstservicebank.com Bank Holding Company First Service Bancshares, Inc., Greenbrier, AR Chm/CEO/Pres: Thomas H. Grumbles CFO/COO: Kenneth Barnard Cash and Due from:.................................... 21,769 Federal Funds and Repos: ........................... 7,425 Investments: ............................................... 11,547 Net Loans: ................................................ 230,192 Premises and Fixed Assets:........................ 11,086 Other Real Estate: ........................................... 861 Other Assets: ................................................ 9,899 Total Assets: ............................................. 292,779 Total Trust Assets: ............................................... 0 Deposits: .................................................. 227,071 Federal Funds and Borrowings: .................. 35,397 Other Liabilities: ............................................ 1,444 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 263,912 Total Equity Capital: .................................... 28,867 Total Liabilities and Capital: ...................... 292,779 Number of Shares Outstanding: .................. 15,000 Directors: James Beavers; Steve Bone; Dr. Gary Bowman; Melton Cotton; Thomas H. Grumbles; Jim Hawks; Dr. Kyle D. Hensley; Dois "Dyke" Johnson; Jerry Kimbrough; Randy McCaslin; Larry Oaks Branches in Town: None Other Branches: Clinton, Conway (2), Dermott, Flippin, Little Rock, Marshall, Mountain View, Shirley, Yellville Farmers Bank Greenwood, AR VOICE: (479) 996-4171 FAX: (479) 996-6700 Trust Powers: Yes 71 West Center 72936-0610 Charter Number: 243 Date: August 7, 1907 FDIC Certificate Number: 1296 Home Page: www.gofarmersbank.com Bank Holding Company Wilkinson Banking Corporation, Greenwood, AR Chm: Elizabeth Wilkinson Pres: Edward Wilkinson CEO: Stanhope Wilkinson TO: Norman Wilkinson Cash and Due from:...................................... 5,415 Federal Funds and Repos: ........................... 4,750 Investments: ............................................... 65,366 Net Loans: ................................................ 101,680 Premises and Fixed Assets:........................ 13,976 Other Real Estate: ........................................ 1,202 Other Assets: ................................................ 9,426 Total Assets: ............................................. 201,815 Total Trust Assets: ........................................ 6,532 Deposits: .................................................. 162,241 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 536 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 162,777 Total Equity Capital: .................................... 39,038 Total Liabilities and Capital: ...................... 201,815 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 Third Report 49 Generations Bank Hampton, AR VOICE: (870) 837-8300 FAX: (870) 837-8310 Trust Powers: No 302 West Main Street 71744-0008 Charter Number: 220 Date: October 26, 1906 FDIC Certificate Number: 88 Home Page: www.mygenerations.bank Bank Holding Company Harrell Bancshares, Inc., Camden, AR CEO/Pres: Phillip J. Foster COO: Sandy Ferguson CFO: Jason Trenary Cash and Due from: ...................................... 8,632 Federal Funds and Repos: ............................ 5,525 Investments: ................................................ 80,004 Net Loans:................................................. 309,193 Premises and Fixed Assets: ........................ 11,514 Other Real Estate: ............................................249 Other Assets: .............................................. 12,672 Total Assets: ............................................. 427,789 Total Trust Assets: .............................................. 0 Deposits: ................................................... 360,825 Federal Funds and Borrowings: ...................25,545 Other Liabilities:.............................................2,161 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 388,531 Total Equity Capital: ....................................39,258 Total Liabilities and Capital: ....................... 427,789 Number of Shares Outstanding: ....................4,000 Directors: Dan H. Byars; Paul Church; Gene Dereuisseaux; Sandra Ferguson; Phillip J. Foster; Ben Harrell; Carl Harrell; Jonathan W. Harrell; Robert Kimbel; Paul E. Lindsey; John F. Marsh; James M. Morgan; William B. Morrison; Richard H. Mosley; John David Neeley; Richard L. Smith; William Titus Branches in Town: None Other Branches: Camden (3), Fayetteville, Junction City, Rogers, Siloam Springs, Van Buren Horatio State Bank Horatio, AR VOICE: (870) 832-2501 FAX: (870) 832-2577 Trust Powers: No 123 Main Street 71842-0347 Charter Number: 179 Date: May 15, 1905 FDIC Certificate Number: 109 Home Page: www.horatiostatebank.com Bank Holding Company Pioneer Bancshares, Inc. of Horatio, Arkansas, Horatio, AR Chm/CEO/Pres: Carl E. Hendrix, III SVP: Edith H. Smith EVP: Todd B. Trimble Cash and Due from: .................................... 19,185 Federal Funds and Repos: ............................ 1,525 Investments: ................................................ 21,112 Net Loans:................................................. 139,697 Premises and Fixed Assets: .............................787 Other Real Estate: ..............................................24 Other Assets: ................................................ 3,457 Total Assets: ............................................. 185,787 Total Trust Assets: .............................................. 0 Deposits: ................................................... 164,979 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 217 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 165,196 Total Equity Capital: ....................................20,591 Total Liabilities and Capital: ....................... 185,787 Number of Shares Outstanding: ....................2,000 Directors: Margaret S. Griffin; Michael B. Griffin; Carl E. Hendrix, III; Edith H. Smith; Wilburn Smith; Elizabeth H. Trimble; Todd B. Trimble Branches in Town: None Other Branches: Foreman 50 Arkansas State Bank Department Today's Bank Huntsville, AR VOICE: (479) 582-0700 FAX: (479) 251-8253 Trust Powers: Yes 432 Harmony Road 72740-0667 Charter Number: 756 Date: July 26, 1991 FDIC Certificate Number: 33470 Home Page: www.todaysbank.com Bank Holding Company Mathias Bancshares, Inc., Springdale, AR Chm: Sam Mathias EVP/COO: Marivel Radcliffe CEO/Pres: Larry Olson SVP/CLO: Mark A. Marks Cash and Due from:...................................... 8,842 Federal Funds and Repos: .................................. 0 Investments: ............................................... 34,040 Net Loans: ................................................ 132,495 Premises and Fixed Assets:.......................... 6,588 Other Real Estate: ........................................ 1,957 Other Assets: ................................................ 4,484 Total Assets: ............................................. 188,406 Total Trust Assets: ............................................... 0 Deposits: .................................................. 160,818 Federal Funds and Borrowings: .................... 7,768 Other Liabilities: ............................................ 1,008 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 169,594 Total Equity Capital: .................................... 18,812 Total Liabilities and Capital: ...................... 188,406 Number of Shares Outstanding: .................. 27,000 Directors: Sam Mathias; Bob Nickle; Larry Olson; Lew Thompson; Arthur Thurman; Jane Waters Branches in Town: One Other Branches: Alma, Fayetteville (2), Mansfield, Mulberry (2), Ozark, Springdale First Arkansas Bank & Trust Jacksonville, AR VOICE: (501) 982-4511 FAX: (501) 982-5769 Trust Powers: Yes 600 West Main 72076 Charter Number: 701 Date: August 2, 1949 FDIC Certificate Number: 16849 Home Page: www.firstarkansasbank.com Bank Holding Company First Arkansas BancShares, Inc., Jacksonville, AR Chm/CEO/Pres: Larry T. Wilson SVP/CFO: Kim Cullum Cash and Due from:.................................... 56,609 Federal Funds and Repos: .................................. 0 Investments: ............................................. 176,146 Net Loans: ................................................ 435,438 Premises and Fixed Assets:........................ 21,155 Other Real Estate: ............................................... 0 Other Assets: .............................................. 61,006 Total Assets: ............................................. 750,354 Total Trust Assets: .................................... 188,765 Deposits: .................................................. 563,749 Federal Funds and Borrowings: .................. 42,629 Other Liabilities: ............................................ 6,502 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 612,880 Total Equity Capital: .................................. 137,474 Total Liabilities and Capital: ...................... 750,354 Number of Shares Outstanding: ................ 200,000 Directors: Cecil Alexander; Tommy Bond; Jamie Cobb; Pat Hagge; James E. Peacock; Kathryn W. Roberts; Terry Toney; Larry T. Wilson; Michael K. Wilson Branches in Town: Four Other Branches: Austin, Cabot (3), Clinton, Damascus, Gravel Ridge, Greenbrier, Greers Ferry, Guy, Heber Springs (3), Quitman, Sherwood (2) One Hundred and Third Report 51 The Bank of Lake Village Lake Village, AR VOICE: (870) 265-2241 FAX: (870) 265-2125 Trust Powers: No 201 Main Street 71653-0727 Charter Number: 675 Date: October 14, 1937 FDIC Certificate Number: 15547 Home Page: www.bankoflakevillage.com Member of Federal Reserve System Bank Holding Company Southeast Arkansas Bank Corporation, Lake Village, AR Chm: Charles H. Weissinger, Jr. VChm: William W. Bunker CEO/Pres: Terence J. Alpe Sec: John Todd Potter Cash and Due from: ...................................... 3,281 Federal Funds and Repos: .................................. 0 Investments: ................................................ 21,400 Net Loans:................................................... 37,463 Premises and Fixed Assets: .............................921 Other Real Estate: ............................................675 Other Assets: ................................................ 1,582 Total Assets: ............................................... 65,322 Total Trust Assets: .............................................. 0 Deposits: .....................................................57,958 Federal Funds and Borrowings: ....................... 325 Other Liabilities:............................................... 107 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................58,390 Total Equity Capital: ......................................6,932 Total Liabilities and Capital: .........................65,322 Number of Shares Outstanding: ..................60,000 Directors: Terence J. Alpe; Sam E. Angel; Sam Epstein Angel, II; William W. Bunker, Sr.; Dr. John P. Burge, Sr.; David F. Gillison, Jr.; Joseph J. Pieroni; John Todd Potter; Charles H. Weissinger, III; Charles H. Weissinger, Jr.; Guy Mattingly Weissinger Branches in Town: One Other Branches: None 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: ...................................... 6,699 Federal Funds and Repos: ............................ 3,700 Investments: ................................................ 74,783 Net Loans:................................................. 107,665 Premises and Fixed Assets: .......................... 6,412 Other Real Estate: ......................................... 2,026 Other Assets: ................................................ 4,182 Total Assets: ............................................. 205,467 Total Trust Assets: .............................................. 0 Deposits: ................................................... 182,164 Federal Funds and Borrowings: ........................... 0 Other Liabilities:.............................................1,216 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 183,380 Total Equity Capital: ....................................22,087 Total Liabilities and Capital: ....................... 205,467 Number of Shares Outstanding: ................ 100,000 Directors: Eugene L. Maris; James M. May, III; Stephen W. Plunkett; Steven C. Russell Branches in Town: Four Other Branches: None 52 Arkansas State Bank Department Bank of the Ozarks Little Rock, AR VOICE: (501) 978-2265 FAX: (501) 978-2282 Trust Powers: Yes 17901 Chenal Parkway 72223 Charter Number: 121 Date: March 24, 1903 FDIC Certificate Number: 110 Home Page: www.bankozarks.com Bank Holding Company None Chm/CEO: George G. Gleason, II COO: Tyler Vance CFO: Greg McKinney TO: Jennifer Junker Cash and Due from:.................................. 824,184 Federal Funds and Repos: .................................. 0 Investments: .......................................... 2,092,545 Net Loans: ........................................... 15,102,022 Premises and Fixed Assets:...................... 516,536 Other Real Estate: ...................................... 33,466 Other Assets: ......................................... 1,499,842 Total Assets: ........................................ 20,068,595 Total Trust Assets: ................................. 1,810,111 Deposits: ............................................. 16,241,570 Federal Funds and Borrowings: ................ 110,988 Other Liabilities: ........................................ 111,658 Subordinated Debt: ................................... 341,225 Total Liabilities: .................................... 16,805,441 Total Equity Capital: ............................... 3,263,154 Total Liabilities and Capital: ................. 20,068,595 Number of Shares Outstanding: .................... 2,340 Directors: Nicholas A. Brown; Paula Cholmondeley; Richard L. Cisne; Robert C. East; Kathleen M. Franklin; Catherine B. Freedberg; George G. Gleason, II; Linda D. Gleason; Peter C. Kenny; Bill Koefoed; Henry Mariani; Walter J. Mullen; Robert Proost; John B. Reynolds; Ross M. Whipple Branches in Town: 10 Other Branches: Adairsville[GA], Advance[NC], Allen[TX], Alma, Altus, Apollo Beach[FL], Arkadelphia (2), Asheboro[NC], Athens[GA], Atlanta[GA], Auburn[GA], Austin[TX], Bainbridge[GA] (2), Bella Vista (2), Belleair Bluffs[FL], Benton (3), Bentonville (2), Bessemer City[NC], Blairsville[GA], Blue Ridge[GA], Bluffton[SC], Boiling Springs[NC], Bonita Springs[FL], Bradenton[FL] (6), Braselton[GA], Bremen[GA], Brunswick[GA], Bryant, Buchanan[GA], Buford[GA], Cabot (2), Cairo[GA], Calhoun[GA], Canton[GA], Cape Coral[FL] (2), Carrollton[GA] (2), Carrollton[TX], Cartersville[GA] (2), Cedar Park[TX], Charlotte[NC], Chatsworth[GA], Clarksville (2), Clearwater[FL] (4), Clinton, Columbus[GA], Concord[NC], Conway (4), Conyers[GA], Coral Gables[FL], Cornelia[GA], Cornelius[NC], Cramerton[NC], Cumming[GA] (3), Dahlonega[GA], Dallas[GA], Dallas[TX], Dalton[GA], Dawsonville[GA], Doral[FL], Douglasville[GA] (2), East Ellijay[GA], Ellijay[GA], Fayetteville (3), Forest City[NC], Fort Lauderdale[FL], Fort Myers[FL] (3), Fort Smith (3), Franklin[GA], Frisco[TX] (2), Gastonia[NC], Geneva[AL], Grayson[GA], Greensboro[GA], Harrisburg[NC], Harrison (3), Hilton Head Island[SC], Hope (2), Hot Springs (6), Hot Springs Village, Houston[TX] (4), Jacksonville[FL], Jasper, Jefferson[GA], Keller[TX], Kings Mountain[NC], Lake Park[GA], Landis[NC], Lawndale[NC], Lewisville[TX], Lexington[NC], Lincolnton[NC], Lockhart[TX], Loganville[GA], Lonoke, Lonsdale, Macon[GA] (3), Magnolia (2), Malvern (2), Marble Hill[GA], Marietta[GA], Marshall, Maumelle, McDonough[GA], Miami[FL], Miami Beach[FL], Mobile[AL] (2), Mocksville[NC], Mountain Home (2), Mulberry, New York[NY], Newnan[GA], North Little Rock (3), Oakwood[GA], Ocala[FL], Ozark (2), Palmetto[FL], Paris, Pinellas Park[FL], Plano[TX], Port Charlotte[FL] (2), Punta Gorda[FL], Riverview[FL], Rogers (3), Rome[GA], Roswell[GA], Russellville (3), Saint Petersburg[FL] (3), San Antonio[TX], Sarasota[FL], Savannah[GA], Senoia[GA], Sharpsburg[GA], Shelby[NC] (5), Sherwood, Siloam Springs, Snellville[GA], South Pasadena[FL], Southlake[TX], Springdale (2), St. 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] One Hundred and Third Report 53 Bear State Bank Little Rock, AR VOICE: (501) 975-6033 FAX: (501) 975-6999 Trust Powers: No 5315 Highland Drive 72223 Charter Number: 800 Date: June 28, 2016 FDIC Certificate Number: 3857 Home Page: www.bearstatebank.com Member of Federal Reserve System Bank Holding Company Bear State Financial Holdings, LLC, Little Rock, AR Chm: Richard N. Massey EVP/CFO: Sherri R. Billings CEO/Pres: James Matthew Machen RMO: Thomas Fritsche Cash and Due from: .................................. 129,477 Federal Funds and Repos: .................................. 0 Investments: .............................................. 253,991 Net Loans:.............................................. 1,649,107 Premises and Fixed Assets: ........................ 55,821 Other Real Estate: ......................................... 1,103 Other Assets: ............................................ 148,815 Total Assets: .......................................... 2,238,314 Total Trust Assets: .............................................. 0 Deposits: ................................................ 1,704,299 Federal Funds and Borrowings: ................. 272,784 Other Liabilities:.............................................6,566 Subordinated Debt: ............................................. 0 Total Liabilities: ...................................... 1,983,649 Total Equity Capital: .................................. 254,665 Total Liabilities and Capital: .................... 2,238,314 Number of Shares Outstanding: ....................1,000 Directors: W. Dabbs Cavin; William J. Changose; K. Aaron Clark; Frank L. Conner; Scott T. Ford; G. Brock Gearhart; John J. Ghirardelli; O. Fitzgerald Hill; Daniel C. Horton; James Matthew Machen; Richard N. Massey; Ian Robert Vaughan Branches in Town: None Other Branches: Ashdown, Bentonville, Branson West[MO], Broken Bow[OK], Conway, DeQueen, Dierks, Fayetteville, Glenwood, Golden City[MO], Harrison (2), Hollister[MO], Hot Springs (2), Hot Springs Village, Idabel[OK], Jonesboro (3), Kimberling City[MO], Lamar[MO], Manila, Marshfield[MO], Mena (2), Monette, Mount Ida (2), Mountain Home (3), Nashville, Nixa[MO], Rogers, Springdale, Springfield[MO] (3), Waldron, Yellville 54 Arkansas State Bank Department Central Bank Little Rock, AR VOICE: (501) 221-6400 FAX: (501) 227-8932 Trust Powers: No 1506 Market Street, Suite C180 Charter Number: 385 72211-1816 Date: August 12, 1912 FDIC Certificate Number: 1756 Home Page: www.centralbankar.com Bank Holding Company None Chm: R. Steve Roberson Reg Pres: David Bordovsky CEO/Pres: Wade Ruckle VP/Cash: Brandy Thiele Cash and Due from:...................................... 5,344 Federal Funds and Repos: ........................... 3,174 Investments: ............................................... 54,083 Net Loans: ................................................ 112,730 Premises and Fixed Assets:.......................... 1,367 Other Real Estate: ........................................ 2,446 Other Assets: ................................................ 7,134 Total Assets: ............................................. 186,278 Total Trust Assets: ............................................... 0 Deposits: .................................................. 153,656 Federal Funds and Borrowings: .................... 8,604 Other Liabilities: ............................................... 843 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 163,103 Total Equity Capital: .................................... 23,175 Total Liabilities and Capital: ...................... 186,278 Number of Shares Outstanding: ................ 160,000 Directors: James R. Burks; Steven Collier; David Dowd; David Estes; John Reese; R. Steve Roberson; Wade Ruckle; Bruce Schratz, Jr.; Patricia Weed Branches in Town: One Other Branches: Rogers Eagle Bank & Trust Company Little Rock, AR VOICE: (501) 223-2000 FAX: (501) 223-0373 Trust Powers: Yes 650 South Shackleford, Suite 150 Charter Number: 735 72211 Date: May 7, 1977 FDIC Certificate Number: 3873 Home Page: www.eaglebank.com Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Catherine H. Owen EVP: Laura Bogoslavsky CEO/Pres: Jeff Lynch EVP: Paul Castleberry Cash and Due from:.................................... 10,532 Federal Funds and Repos: ........................... 5,250 Investments: ............................................. 150,767 Net Loans: ................................................ 201,983 Premises and Fixed Assets:.......................... 9,439 Other Real Estate: ........................................ 2,521 Other Assets: .............................................. 11,268 Total Assets: ............................................. 391,760 Total Trust Assets: ............................................... 0 Deposits: .................................................. 304,180 Federal Funds and Borrowings: .................. 38,417 Other Liabilities: ............................................ 1,416 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 344,013 Total Equity Capital: .................................... 47,747 Total Liabilities and Capital: ...................... 391,760 Number of Shares Outstanding: .................. 17,656 Directors: Andrew H. Hastings; H. Lee Hastings, III; Harry L. Hastings, Jr.; Stanley Hastings; Bill G. Lynch; Jeff Lynch; Catherine H. Owen Branches in Town: None Other Branches: Drasco, Fairfield Bay, Gravel Ridge, Greers Ferry, Heber Springs (2), North Little Rock, Quitman, Rose Bud, Sherwood (2), Vilonia One Hundred and Third Report 55 Heartland Bank Little Rock, AR VOICE: (501) 663-3306 FAX: (501) 614-7832 Trust Powers: No 5100 Kavanaugh Boulevard 72207 Charter Number: 791 Date: July 17, 2008 FDIC Certificate Number: 28761 Home Page: www.hbankusa.com Member of Federal Reserve System Bank Holding Company Rock Bancshares, Inc., Little Rock, AR CEO/Pres/COO: Judy Lawton CFO: Ken Jameson EVP: Phillip Thomas Cash and Due from: .................................... 45,142 Federal Funds and Repos: .................................. 1 Investments: ................................................ 11,442 Net Loans:................................................. 126,366 Premises and Fixed Assets: ........................ 11,719 Other Real Estate: ............................................600 Other Assets: ................................................ 3,923 Total Assets: ............................................. 199,193 Total Trust Assets: .............................................. 0 Deposits: ................................................... 187,028 Federal Funds and Borrowings: .....................2,500 Other Liabilities:............................................... 887 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 190,415 Total Equity Capital: ......................................8,778 Total Liabilities and Capital: ....................... 199,193 Number of Shares Outstanding: ..................10,000 Directors: Craig Benson; Matt Keil; Judy Lawton Branches in Town: One Other Branches: Bryant, Fordyce, Sheridan The Capital Bank Little Rock, AR VOICE: (501) 228-6000 FAX: (501) 228-6006 Trust Powers: Yes 12224 Chenal Parkway 72211 Charter Number: 771 Date: July 30, 1997 FDIC Certificate Number: 34562 Home Page: www.thecapitalbank.com Member of Federal Reserve System Bank Holding Company Capital Bancshares, Inc., Little Rock, AR CEO/Pres: Kyle E. Patton SVP/CLO: Tracy Duke EVP/CFO: Jeanette Nation COO: Sue May Fields Cash and Due from: ...................................... 2,029 Federal Funds and Repos: ............................ 1,175 Investments: ................................................ 84,752 Net Loans:................................................... 52,297 Premises and Fixed Assets: .......................... 3,194 Other Real Estate: ............................................282 Other Assets: ................................................ 8,902 Total Assets: ............................................. 152,631 Total Trust Assets: .............................................. 0 Deposits: .....................................................94,104 Federal Funds and Borrowings: ...................42,829 Other Liabilities:............................................... 153 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 137,086 Total Equity Capital: ....................................15,545 Total Liabilities and Capital: ....................... 152,631 Number of Shares Outstanding: ..................32,013 Directors: Joseph W. Park; Kyle E. Patton; Boyd Rothwell; Warren Stephenson Branches in Town: None Other Branches: None Arkansas State Bank Department 56 First State Bank Lonoke, AR VOICE: (501) 676-3106 FAX: (501) 676-5046 Trust Powers: No Chm: Neil Bennett, Jr. 101 South Center Street 72086-0320 Charter Number: 670 Date: March 9, 1935 FDIC Certificate Number: 15050 Home Page: www.firststatebk.com Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR CEO: David R. Estes Cash and Due from:.................................... 12,858 Federal Funds and Repos: .................................. 0 Investments: ............................................. 109,385 Net Loans: ................................................ 126,067 Premises and Fixed Assets:.......................... 3,104 Other Real Estate: ........................................ 8,606 Other Assets: ................................................ 5,040 Total Assets: ............................................. 265,060 Total Trust Assets: ............................................... 0 Deposits: .................................................. 237,602 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 425 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 238,027 Total Equity Capital: .................................... 27,033 Total Liabilities and Capital: ...................... 265,060 Number of Shares Outstanding: .................. 16,000 Directors: Alan Barksdale; Neil Bennett, Jr.; David R. Estes; William Fletcher, Jr.; J. Walls McCrary; Robert Dale Miller; Daina B. Newcomb; Wade Ruckle; Marvin D. Thaxton, Jr. Branches in Town: One Other Branches: Carlisle, Fayetteville, Gurdon, Heber Springs Farmers Bank and Trust Company Magnolia, AR VOICE: (870) 235-7000 FAX: (870) 235-7008 Trust Powers: Yes 200 East Main Street 71753 Charter Number: 217 Date: September 26, 1906 FDIC Certificate Number: 1291 Home Page: www.myfarmers.bank Member of Federal Reserve System Bank Holding Company Magnolia Banking Corporation, Magnolia, AR Chm: Bob L. Burns CFO: Drew Chandler CEO/Pres: Chris Gosnell CLO: Dave White Cash and Due from:.................................... 35,860 Federal Funds and Repos: .................................. 0 Investments: ............................................. 236,107 Net Loans: ............................................. 1,003,697 Premises and Fixed Assets:........................ 23,264 Other Real Estate: ........................................ 2,355 Other Assets: .............................................. 55,579 Total Assets: .......................................... 1,356,862 Total Trust Assets: .................................... 127,060 Deposits: ............................................... 1,170,214 Federal Funds and Borrowings: .................. 29,036 Other Liabilities: .......................................... 12,474 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 1,211,724 Total Equity Capital: .................................. 145,138 Total Liabilities and Capital: ................... 1,356,862 Number of Shares Outstanding: ................ 100,000 Directors: John E. Alexander, Jr.; Mike Boyd; Bob L. Burns; Dr. Jason Franks; Chris Gosnell; Steve Keith; Bruce D. Maloch; T. E. Smith Branches in Town: Two Other Branches: Benton, Blevins, Camden (4), Hope (3), Lewisville, Malvern (2), New Boston[TX], Prosper[TX], Taylor, Texarkana (2), Texarkana[TX] (2) One Hundred and Third Report 57 The Peoples Bank Magnolia, AR VOICE: (870) 234-5777 FAX: (870) 234-3384 Trust Powers: Yes 500 North Jackson 71753-0340 Charter Number: 313 Date: June 22, 1910 FDIC Certificate Number: 12531 Home Page: www.pbmag.com Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm: S. Clark Fincher EVP/COO: Jill McClinton CEO/Pres: Mary L. Fowler CFO: Jonathan Baird Cash and Due from: .................................... 31,038 Federal Funds and Repos: ...............................975 Investments: ................................................ 25,219 Net Loans:................................................. 123,049 Premises and Fixed Assets: .......................... 3,105 Other Real Estate: ............................................359 Other Assets: ................................................ 6,566 Total Assets: ............................................. 190,311 Total Trust Assets: .............................................. 0 Deposits: ................................................... 129,001 Federal Funds and Borrowings: ...................42,062 Other Liabilities:............................................... 618 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 171,681 Total Equity Capital: ....................................18,630 Total Liabilities and Capital: ....................... 190,311 Number of Shares Outstanding: ..................10,000 Directors: Jonathan Baird; Dorothy J. Fincher; Steven Clark Fincher; Mary L. Fowler; Betty Harris; Jill McClinton; J. David Scott; Laura Scott; Jamie Waller Branches in Town: One Other Branches: Waldo First Community Bank of Eastern Arkansas Marion, AR VOICE: (870) 739-7300 FAX: (870) 739-2234 Trust Powers: Yes 205 Block Street 72364-0747 Charter Number: 775 Date: October 8, 1998 FDIC Certificate Number: 34887 Home Page: www.firstcommunitybank.us Member of Federal Reserve System Bank Holding Company FCB Financial Services, Inc., Marion, AR Chm: Michael D. East EVP: Brenda Eldridge CEO/Pres: Donny Underwood Cash and Due from: ...................................... 9,281 Federal Funds and Repos: .................................. 0 Investments: ................................................ 23,161 Net Loans:................................................. 106,294 Premises and Fixed Assets: .......................... 3,604 Other Real Estate: ............................................570 Other Assets: ................................................ 3,474 Total Assets: ............................................. 146,384 Total Trust Assets: .............................................. 0 Deposits: ................................................... 124,738 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 884 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 125,622 Total Equity Capital: ....................................20,762 Total Liabilities and Capital: ....................... 146,384 Number of Shares Outstanding: ..................60,000 Directors: Michael D. East; Frank A. Fogleman; Allen B. Helms, Jr.; Mark A. Pirani; James A. Ross; Samuel H. Stuckey, Jr.; William Bart Turner; Donny Underwood; David S. Wallace; Charles L. Williams, Jr. Branches in Town: None Other Branches: West Memphis 58 Arkansas State Bank Department First Delta Bank Marked Tree, AR VOICE: (870) 358-6000 FAX: (870) 358-6001 Trust Powers: No 214 Hester Parker Drive 72365-0635 Charter Number: 704 Date: October 31, 1951 FDIC Certificate Number: 17047 Home Page: www.firstdeltabank.com Member of Federal Reserve System Bank Holding Company Tyronza Bancshares, Inc., Marked Tree, AR Chm: Herrick Norcross, III CEO/Pres: Chris M. Lehman Cash and Due from:...................................... 1,483 Federal Funds and Repos: .................................. 0 Investments: ............................................... 34,787 Net Loans: .................................................. 21,812 Premises and Fixed Assets:............................. 435 Other Real Estate: ........................................... 217 Other Assets: ................................................ 1,066 Total Assets: ............................................... 59,800 Total Trust Assets: ............................................... 0 Deposits: .................................................... 49,978 Federal Funds and Borrowings: .................... 3,425 Other Liabilities: ............................................... 177 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 53,580 Total Equity Capital: ...................................... 6,220 Total Liabilities and Capital: ........................ 59,800 Number of Shares Outstanding: .................... 2,000 Directors: Charles A. Banks; Chris M. Lehman; Charles F. Luter; H. F. Norcross, III Branches in Town: None Other Branches: Trumann, Tyronza Bank of McCrory McCrory, AR VOICE: (870) 731-2521 FAX: (870) 731-2859 Trust Powers: Yes 124 Edmonds Avenue 72101-0370 Charter Number: 128 Date: June 8, 1903 FDIC Certificate Number: 1523 Home Page: www.bofmc.com Member of Federal Reserve System Bank Holding Company M. D. Thompson & Son Co., McCrory, AR CEO/Pres: Vance M. Thompson, III VP: Danice McGee SVP: E. Jan Thompson VP/Sec: Betty K. Thompson Cash and Due from:......................................... 941 Federal Funds and Repos: ......................... 13,675 Investments: ............................................... 38,814 Net Loans: .................................................. 24,120 Premises and Fixed Assets:............................. 490 Other Real Estate: ........................................... 228 Other Assets: ................................................... 763 Total Assets: ............................................... 79,031 Total Trust Assets: ............................................... 0 Deposits: .................................................... 70,388 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 25 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 70,413 Total Equity Capital: ...................................... 8,618 Total Liabilities and Capital: ........................ 79,031 Number of Shares Outstanding: .................. 20,000 Directors: Randy Belflower; Brooke Thompson Cavitt; John D. Eldridge, III; Fletcher C. Lewis; Alan Morris; Arthur Oliver; Robert G. Slugg; Elden Jan Thompson; Vance M. Thompson, III Branches in Town: None Other Branches: None One Hundred and Third Report 59 First NaturalState Bank McGehee, AR VOICE: (870) 222-3880 FAX: (870) 222-4853 Trust Powers: Yes 500 North Second 71654 Charter Number: 798 Date: January 21, 2016 FDIC Certificate Number: 21379 Home Page: www.fnbmcgehee.com Member of Federal Reserve System Bank Holding Company First National Financial Corporation, McGehee, AR CEO/Pres: Jim Daniels SVP: Fran Childress EVP/CFO: Wendy Barnes VP: John Robinson Cash and Due from: ...................................... 2,281 Federal Funds and Repos: .................................. 0 Investments: ................................................ 18,937 Net Loans:................................................... 30,550 Premises and Fixed Assets: .............................581 Other Real Estate: ............................................... 0 Other Assets: ...................................................717 Total Assets: ............................................... 53,066 Total Trust Assets: .............................................24 Deposits: .....................................................46,396 Federal Funds and Borrowings: ....................... 425 Other Liabilities:................................................. 39 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................46,860 Total Equity Capital: ......................................6,206 Total Liabilities and Capital: .........................53,066 Number of Shares Outstanding: ..................68,000 Directors: James Robert Daniels; Gibbs Biscoe Ferguson; Dewey Emmett Johnson; Robert Emmett Lucky, Sr.; Robert Smith Moore, Jr.; Charles Anthony Pambianchi Branches in Town: One Other Branches: None McGehee Bank McGehee, AR VOICE: (870) 222-3151 FAX: (870) 222-6159 Trust Powers: Yes 301 North Second Street 71654-0787 Charter Number: 661 Date: December 5, 1933 FDIC Certificate Number: 11242 Home Page: www.mcgeheebank.com Bank Holding Company Southeast Financial Bankstock Corporation, McGehee, AR CEO/Pres: James M. Smith SVP: Clarissa Herren VChm/COO: John H. Potter, Jr. VP/TO: Jim S. Youngblood Cash and Due from: ...................................... 8,386 Federal Funds and Repos: .................................. 0 Investments: ................................................ 15,083 Net Loans:................................................. 103,567 Premises and Fixed Assets: .............................502 Other Real Estate: ............................................... 0 Other Assets: ................................................ 4,705 Total Assets: ............................................. 132,243 Total Trust Assets: ...................................... 93,727 Deposits: .....................................................92,469 Federal Funds and Borrowings: ...................22,000 Other Liabilities:............................................... 323 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 114,792 Total Equity Capital: ....................................17,451 Total Liabilities and Capital: ....................... 132,243 Number of Shares Outstanding: ..................80,000 Directors: Lee Bowman; William W. Bowman; David S. Leech; Jeff Owyoung; John H. Potter, Jr.; James M. Smith Branches in Town: One Other Branches: Arkansas City, Watson Arkansas State Bank Department 60 The Union Bank of Mena Mena, AR VOICE: (479) 394-2211 FAX: (479) 394-8901 Trust Powers: No 303 Hwy. 71 North 71953-0898 Charter Number: 667 Date: July 25, 1934 FDIC Certificate Number: 14597 Home Page: www.unionbankofmena.com Member of Federal Reserve System Bank Holding Company Union Bankshares, Inc., Mena, AR Chm: David Maddox EVP/CFO: Michael Myers CEO/Pres: Philip B. Hensley SVP: Kevin Williams Cash and Due from:.................................... 21,265 Federal Funds and Repos: .................................. 0 Investments: ............................................... 54,411 Net Loans: ................................................ 164,853 Premises and Fixed Assets:.......................... 3,721 Other Real Estate: ........................................... 272 Other Assets: ................................................ 4,469 Total Assets: ............................................. 248,991 Total Trust Assets: ............................................... 0 Deposits: .................................................. 220,860 Federal Funds and Borrowings: ....................... 109 Other Liabilities: ............................................ 3,122 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 224,091 Total Equity Capital: .................................... 24,900 Total Liabilities and Capital: ...................... 248,991 Number of Shares Outstanding: .................. 12,000 Directors: J. Richard Carver; John A. Crawford; Philip B. Hensley; David Maddox; John Maddox; Jeff Montgomery; Pauline Morrow; Michael Myers; P. T. Plunkett; Phillip Stevenson Branches in Town: None Other Branches: Hatfield, Wickes Commercial Bank & Trust Company Monticello, AR VOICE: (870) 367-6221 FAX: (870) 367-7700 Trust Powers: Yes 212 West Gaines Street 71655 Charter Number: 396 Date: November 29, 1912 FDIC Certificate Number: 90 Home Page: www.commercial-bank.net Member of Federal Reserve System Bank Holding Company Drew Bancshares, Inc., Monticello, AR Chm/CEO: Bennie Ryburn, III SVP/TO: Rusty Smith Pres/CFO/COO: George T. Harris SVP: Michael Efird Cash and Due from:...................................... 6,630 Federal Funds and Repos: ................................ 75 Investments: ............................................... 76,771 Net Loans: ................................................ 111,859 Premises and Fixed Assets:.......................... 1,520 Other Real Estate: ........................................... 520 Other Assets: ................................................ 6,064 Total Assets: ............................................. 203,439 Total Trust Assets: ...................................... 15,308 Deposits: .................................................. 171,493 Federal Funds and Borrowings: .................. 12,250 Other Liabilities: ............................................... 334 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 184,077 Total Equity Capital: .................................... 19,362 Total Liabilities and Capital: ...................... 203,439 Number of Shares Outstanding: .................... 8,000 Directors: Joe Brannen; C. C. Gibson, III; George T. Harris; R. D. Jones, Jr.; Wayne L. Owen, Jr.; Bennie Ryburn, III; Ray Ryburn; Mike Ward Branches in Town: Four Other Branches: None One Hundred and Third Report 61 Union Bank And Trust Company Monticello, AR VOICE: (870) 460-6445 FAX: (870) 460-6464 Trust Powers: Yes 102 West McCloy 71657-0270 Charter Number: 448 Date: September 15, 1915 FDIC Certificate Number: 1753 Home Page: www.unionbnk.com Bank Holding Company First Union Financial Corporation, Monticello, AR Chm Emer: Zach McClendon, Jr. CEO/Pres: Dave Dickson Chm: John S. McClendon TO: Gail Hooker Cash and Due from: ...................................... 4,974 Federal Funds and Repos: .................................. 0 Investments: ................................................ 42,681 Net Loans:................................................. 156,006 Premises and Fixed Assets: .......................... 4,247 Other Real Estate: ..............................................56 Other Assets: ................................................ 7,980 Total Assets: ............................................. 215,944 Total Trust Assets: ...................................... 54,406 Deposits: ................................................... 181,334 Federal Funds and Borrowings: ...................13,484 Other Liabilities:.............................................1,340 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 196,158 Total Equity Capital: ....................................19,786 Total Liabilities and Capital: ....................... 215,944 Number of Shares Outstanding: ..................80,000 Directors: Mike Akin; Whit Barton; Charles F. Dearman, Jr.; Dave Dickson; Tommy V. Maxwell; John S. McClendon; Robin McClendon; Zach McClendon, Jr.; Thomas M. Smith Branches in Town: Two Other Branches: Warren Petit Jean State Bank Morrilton, AR VOICE: (501) 354-4988 FAX: (501) 354-6560 Trust Powers: No 707 North Saint Joseph Street Charter Number: 777 72110 Date: January 27, 1999 FDIC Certificate Number: 35084 Home Page: www.pjsb.com Member of Federal Reserve System Bank Holding Company Petit Jean Bancshares, Inc., Morrilton, AR Chm/Pres: Charles S. Penick EVP: Suzanne Hartman EVP: Susan Gunderman Cash and Due from: .................................... 37,752 Federal Funds and Repos: .................................. 0 Investments: ................................................ 64,819 Net Loans:................................................... 78,849 Premises and Fixed Assets: .......................... 2,359 Other Real Estate: ............................................... 0 Other Assets: ................................................ 7,066 Total Assets: ............................................. 190,845 Total Trust Assets: .............................................. 0 Deposits: ................................................... 160,517 Federal Funds and Borrowings: .....................5,607 Other Liabilities:.............................................1,226 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 167,350 Total Equity Capital: ....................................23,495 Total Liabilities and Capital: ....................... 190,845 Number of Shares Outstanding: ..................50,000 Directors: Hall M. Calhoun, III; Katherine Foust; Todd Haynes; Michael D. Koone; Otto Lienhart, II; John Maus, III; Charles Ormond; Charles S. Penick; Stanton C. Willis Branches in Town: One Other Branches: None 62 Arkansas State Bank Department Stone Bank Mountain View, AR VOICE: (870) 269-7311 FAX: (870) 269-7312 Trust Powers: No 802 East Main Street 72560 Charter Number: 797 Date: August 4, 2015 FDIC Certificate Number: 17431 Bank Holding Company Stone Bancshares, Inc., Mountian View, AR CEO: Marnie B. Oldner EVP: Bruce Upton Pres/CLO: Nick Roach CFO: Steve Ragland Cash and Due from:...................................... 2,022 Federal Funds and Repos: ........................... 7,190 Investments: ............................................... 10,717 Net Loans: ................................................ 161,782 Premises and Fixed Assets:.......................... 8,185 Other Real Estate: ........................................ 1,026 Other Assets: .............................................. 10,181 Total Assets: ............................................. 201,103 Total Trust Assets: ............................................... 0 Deposits: .................................................. 159,352 Federal Funds and Borrowings: .................. 19,700 Other Liabilities: ............................................ 1,341 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 180,393 Total Equity Capital: .................................... 20,710 Total Liabilities and Capital: ...................... 201,103 Number of Shares Outstanding: ............. 1,089,750 Directors: Buddy Bolin; J. T. Compton; Kevin Compton; Roger Helms; Raymond Merrill; Marnie B. Oldner; Nick Roach; Ron Sims; Gladys M. Webb; Fred Williams Branches in Town: None Other Branches: Harrison, Little Rock, White Hall Diamond Bank Murfreesboro, AR VOICE: (870) 285-2172 FAX: (870) 356-2858 Trust Powers: No 319 East Main 71958 Charter Number: 175 Date: December 19, 1904 FDIC Certificate Number: 1527 Home Page: www.diamondbanking.com Member of Federal Reserve System Bank Holding Company Bainum Bancorp, Glenwood, AR Chm/CEO: Tim Bainum EVP: Johnny Gibbs Pres: Ken "Mac" McClanahan Cash and Due from:.................................... 35,584 Federal Funds and Repos: .................................. 0 Investments: ............................................. 150,077 Net Loans: ................................................ 372,693 Premises and Fixed Assets:........................ 10,950 Other Real Estate: ........................................... 352 Other Assets: .............................................. 15,296 Total Assets: ............................................. 584,952 Total Trust Assets: ............................................... 0 Deposits: .................................................. 502,637 Federal Funds and Borrowings: .................. 22,291 Other Liabilities: ............................................ 2,350 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 527,278 Total Equity Capital: .................................... 57,674 Total Liabilities and Capital: ...................... 584,952 Number of Shares Outstanding: ................ 172,000 Directors: Tim Bainum; Timothy (Tab) Bainum; Robert Braun; Richard Cox; Robert Evans; John E. Gibbs; John Hearnsberger; Shauna L. Lucas; Virgilio Martinez; Ken "Mac" McClanahan; Larry Mitchell; Mike Moore; George E. Steel, Jr. Branches in Town: None Other Branches: Ashdown, DeQueen, Dierks, Glenwood, Hope, Hot Springs (2), Mena, Mineral Springs, Mount Ida, Nashville (2), Russellville One Hundred and Third Report 63 Merchants & Planters Bank Newport, AR VOICE: (870) 523-3601 FAX: (870) 523-3473 Trust Powers: Yes 120 Hazel 72112-0650 Charter Number: 694 Date: March 20, 1946 FDIC Certificate Number: 16464 Home Page: www.mandpbank.com Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/TO: Jim S. Gowen, Sr. EVP/Cash: Patricia Davis CEO/Pres: Jim S. Gowen, Jr. SVP/CLO: Randy Cross Cash and Due from: .................................... 11,013 Federal Funds and Repos: .................................. 0 Investments: ................................................ 55,080 Net Loans:................................................. 170,608 Premises and Fixed Assets: .......................... 9,809 Other Real Estate: ............................................220 Other Assets: .............................................. 11,272 Total Assets: ............................................. 258,002 Total Trust Assets: ...................................... 76,946 Deposits: ................................................... 200,708 Federal Funds and Borrowings: ...................28,218 Other Liabilities:.............................................2,895 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 231,821 Total Equity Capital: ....................................26,181 Total Liabilities and Capital: ....................... 258,002 Number of Shares Outstanding: ....................9,000 Directors: R. M. Bledsoe; Terry L. Dillon; Jim S. Gowen, Jr.; Jim S. Gowen, Sr.; Mary K. Hardin-Stewart; Benjy Harris; Dr. Larry Williams Branches in Town: One Other Branches: Batesville (2), Des Arc, McCrory, Newark, Swifton, Tuckerman Piggott State Bank Piggott, AR VOICE: (870) 598-3802 FAX: (870) 598-2026 Trust Powers: No 212 West Cherry 72454-0307 Charter Number: 613 Date: March 10, 1930 FDIC Certificate Number: 5628 Home Page: www.piggottstatebank.com Member of Federal Reserve System Bank Holding Company Piggott Bankstock, Inc., Piggott, AR CEO/Pres: Cody Knight VP/Cash: Wanda Winberry VP: Joyce Benson Cash and Due from: ...................................... 6,894 Federal Funds and Repos: .................................. 0 Investments: ................................................ 38,280 Net Loans:................................................... 34,799 Premises and Fixed Assets: .............................997 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,362 Total Assets: ............................................... 82,332 Total Trust Assets: .............................................. 0 Deposits: .....................................................73,484 Federal Funds and Borrowings: ....................... 417 Other Liabilities:............................................... 133 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................74,034 Total Equity Capital: ......................................8,298 Total Liabilities and Capital: .........................82,332 Number of Shares Outstanding: ....................4,000 Directors: Steve Bell; Paula O. Blackwell; Cody Knight; James C. Poole Branches in Town: One Other Branches: Rector 64 Arkansas State Bank Department Simmons Bank Pine Bluff, AR VOICE: (870) 541-1000 FAX: (870) 850-2685 Trust Powers: Yes 501 Main Street 71601-4327 Charter Number: 799 Date: March 31, 2016 FDIC Certificate Number: 3890 Home Page: www.simmonsbank.com Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO/Pres: Marty D. Casteel CCO: Steve Wade CBO: Barry Ledbetter TO: Joe Clement Cash and Due from:.................................. 249,643 Federal Funds and Repos: ........................... 4,500 Investments: .......................................... 1,452,853 Net Loans: ............................................. 5,945,611 Premises and Fixed Assets:...................... 204,514 Other Real Estate: ...................................... 25,352 Other Assets: ............................................ 684,995 Total Assets: .......................................... 8,567,468 Total Trust Assets: ................................. 4,306,972 Deposits: ............................................... 6,809,962 Federal Funds and Borrowings: ................ 531,094 Other Liabilities: .......................................... 70,352 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 7,411,408 Total Equity Capital: ............................... 1,156,060 Total Liabilities and Capital: ................... 8,567,468 Number of Shares Outstanding: ................ 700,000 Directors: Jay D. Burchfield; Marty D. Casteel; Dean Chambliss; William E. Clark, II; Steven A. Cosse'; Mark C. Doramus; Eddie Drilling; Eugene Hunt; Jerry Hunter; Met L. Jones, II; Christopher R. Kirkland; John Lytle; W. Scott McGeorge; Johnny McGraw; Beverly Morrow; George R. O'Conner; Joseph D. Porter; H. Glenn Rambin; Adam B. Robinson, Jr.; Robert L. Shoptaw; H. Ford Trotter, III; Malynda K. West Branches in Town: Six Other Branches: Athens[TN] (2), Atoka[TN], Beebe, Benton, Bentonville, Branson[MO], Branson West [MO], Brownsville[TN], Bryant, Cabot, Carthage[MO], Charleston, Clarksville, Clayton [MO], Clinton, Collierville[TN], Columbia[TN], Conway (4), Crane[MO], Crestwood[MO], Dermott, Dresden[TN] (2), Dumas, Dyersburg[TN] (2), El Dorado (2), El Dorado Springs[MO], Etowah[TN], Fayetteville (3), Fort Smith (4), Franklin[TN] (2), Galena[MO], Gallatin[TN], Goodlettsville[TN], Greenfield[MO], Greenfield[TN], Hamburg, Hendersonville[TN] (2), Hensley, Hot Springs (4), Humboldt[TN], Jackson[TN] (2), Jonesboro (3), Joplin[MO] (2), Kenton[TN], Kingston[TN], Knoxville[TN], Lake Village, Lees Summit[MO], Lexington[TN], Lincoln, Little Rock (15), Lockwood[MO], Madisonville[TN], Mammoth Spring, Marshall, Marshfield[MO], Martin[TN], Maryville[TN], Maumelle, Memphis[TN], Monticello, Mount Vernon[MO], Mountain View, Nashville[TN], Nixa[MO], North Little Rock (3), Oak Ridge[TN], Olathe[KS], Ozark, Ozark[MO], Paragould, Parkdale, Reeds Spring[MO], Rogers (2), Russellville (3), Searcy (2), Sedalia[MO], Sharon[TN], Siloam Springs, South Fulton[TN], Springdale (2), Springfield[MO] (6), St. Louis[MO], Star City, Stockton[MO], Strong, Sweetwater[TN], Tellico Plains[TN], Troy[TN], Union City[TN], Vonore[TN], Weiner, White Hall, White House[TN], Wichita[KS] (2) One Hundred and Third Report 65 RiverBank Pocahontas, AR VOICE: (870) 892-2265 FAX: (870) 892-2264 Trust Powers: Yes CEO/Pres: Kyle Baltz COO: Joyce Radcliff 1700 Old County Road 72455-0397 Charter Number: 796 Date: January 15, 2015 FDIC Certificate Number: 31711 Home Page: www.eriverbank.com Bank Holding Company None Cont: Julie Williams TO: Mark Holt Cash and Due from: ...................................... 1,332 Federal Funds and Repos: .................................. 0 Investments: .................................................. 3,713 Net Loans:................................................... 73,688 Premises and Fixed Assets: .......................... 1,363 Other Real Estate: ............................................150 Other Assets: ................................................ 3,581 Total Assets: ............................................... 83,827 Total Trust Assets: ...........................................550 Deposits: .....................................................67,538 Federal Funds and Borrowings: .....................7,902 Other Liabilities:............................................... 730 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................76,170 Total Equity Capital: ......................................7,657 Total Liabilities and Capital: .........................83,827 Number of Shares Outstanding: ..................11,255 Directors: Jeremy Baltz; Kyle Baltz; Gary Cochran; Terry Davis; James Edington; Joyce Radcliff; Chad Watson Branches in Town: None Other Branches: Corning Home Bank of Arkansas Portland, AR VOICE: (870) 737-2236 FAX: (870) 737-2816 Trust Powers: No 113 Hwy 165 South 71663-0178 Charter Number: 251 Date: January 22, 1908 FDIC Certificate Number: 5629 Home Page: www.homebankofar.com Bank Holding Company Peoples Home Holding, Inc., Greenbrier, AR Chm/CEO/Pres: John Stacks EVP: Nick Harness CFO: Steven SmithBill Hannah VP: Treva Branscum Cash and Due from: ...................................... 1,395 Federal Funds and Repos: ............................ 6,750 Investments: .................................................. 6,792 Net Loans:................................................... 58,344 Premises and Fixed Assets: .......................... 2,320 Other Real Estate: ......................................... 3,079 Other Assets: ...................................................984 Total Assets: ............................................... 79,664 Total Trust Assets: .............................................. 0 Deposits: .....................................................71,090 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 197 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................71,287 Total Equity Capital: ......................................8,377 Total Liabilities and Capital: .........................79,664 Number of Shares Outstanding: ....................4,000 Directors: Joe Benton, III; Jerold Brock; Roy Montgomery; John Stacks Branches in Town: None Other Branches: Damascus, Greenbrier, Little Rock, Marshall 66 Arkansas State Bank Department Bank of Prescott Prescott, AR VOICE: (870) 887-2688 FAX: (870) 887-6822 Trust Powers: Yes East Second at Main 71857-0490 Charter Number: 162 Date: August 10, 1904 FDIC Certificate Number: 101 Home Page: www.bankofprescott.com Bank Holding Company Prescott Bancshares, Inc., Prescott, AR Chm/CEO/Pres: John Warren Brannan, Jr. Treas/Sec: Karen McLelland EVP: Gary McCauley Cash and Due from:...................................... 7,002 Federal Funds and Repos: .................................. 0 Investments: ............................................... 28,730 Net Loans: .................................................. 42,459 Premises and Fixed Assets:............................. 364 Other Real Estate: ........................................... 900 Other Assets: ................................................ 2,526 Total Assets: ............................................... 81,981 Total Trust Assets: ............................................... 0 Deposits: .................................................... 66,561 Federal Funds and Borrowings: .................... 3,887 Other Liabilities: ............................................... 141 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 70,589 Total Equity Capital: .................................... 11,392 Total Liabilities and Capital: ........................ 81,981 Number of Shares Outstanding: .................. 24,000 Directors: John Warren Brannan, Jr.; W. Herman Brown; Brad Crain; Carl Dalrymple, Jr.; Jason Gutierrez; Billy Hines; Gary McCauley; Larry Rhodes; Robert Smith Branches in Town: None Other Branches: None Gateway Bank Rison, AR VOICE: (870) 325-6251 FAX: (870) 325-7661 Trust Powers: No Chm: Lewis R. Gardner Pres/Sec: Troy Duke 112 Main Street 71665 Charter Number: 650 Date: March 7, 1932 FDIC Certificate Number: 8730 Home Page: gatewaybank.bank Bank Holding Company Sigma Holdings, Inc., Rison, AR EVP: Joe Dunn VP: Amber Offutt Cash and Due from:...................................... 5,922 Federal Funds and Repos: ........................... 1,075 Investments: ................................................. 5,379 Net Loans: .................................................. 54,432 Premises and Fixed Assets:.......................... 1,963 Other Real Estate: ............................................. 68 Other Assets: ................................................ 1,869 Total Assets: ............................................... 70,708 Total Trust Assets: ............................................... 0 Deposits: .................................................... 62,268 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................... 141 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 62,409 Total Equity Capital: ...................................... 8,299 Total Liabilities and Capital: ........................ 70,708 Number of Shares Outstanding: .................... 4,000 Directors: Troy D. Duke; Lewis R. Gardner; Ryan Holder; James W. Searcy Branches in Town: None Other Branches: Malvern One Hundred and Third Report 67 First State Bank Russellville, AR VOICE: (479) 498-2400 FAX: (479) 498-2465 Trust Powers: No 3103 East Main 72802 Charter Number: 663 Date: January 12, 1934 FDIC Certificate Number: 13632 Home Page: www.fsbmybank.com Member of Federal Reserve System Bank Holding Company First State Banking Corporation, Russellville, AR Chm/CEO: Charles Blanchard EVP/CLO: Barton Allen Pres/COO: Chip Blanchard EVP/Sec: Toni B. Laws Cash and Due from: .................................... 10,780 Federal Funds and Repos: .................................. 0 Investments: ................................................ 28,493 Net Loans:................................................. 184,040 Premises and Fixed Assets: .......................... 5,924 Other Real Estate: ............................................... 0 Other Assets: .............................................. 10,066 Total Assets: ............................................. 239,303 Total Trust Assets: .............................................. 0 Deposits: ................................................... 199,164 Federal Funds and Borrowings: ...................11,825 Other Liabilities:............................................... 400 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 211,389 Total Equity Capital: ....................................27,914 Total Liabilities and Capital: ....................... 239,303 Number of Shares Outstanding: ..................20,000 Directors: Patty Barker; James C. Biggers; Charles Blanchard; Charles B. "Chip" Blanchard; Terry Freeman; Max L. Mathis, III; Mike Miller; Johnny K. Morgan; C. Tim White; Phil Wright Branches in Town: Four Other Branches: Ola Bank of Salem Salem, AR VOICE: (870) 895-2591 FAX: (870) 895-3825 Trust Powers: No 207 West Church Street 72576-0338 Charter Number: 266 Date: December 9, 1908 FDIC Certificate Number: 11243 Home Page: www.bksalem.net Member of Federal Reserve System Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm/CEO/Pres: Mark Montgomery SVP: Mike Falco Cash and Due from: .................................... 12,475 Federal Funds and Repos: ............................ 1,884 Investments: .................................................. 3,400 Net Loans:................................................. 105,478 Premises and Fixed Assets: .......................... 1,619 Other Real Estate: ............................................176 Other Assets: ................................................ 7,981 Total Assets: ............................................. 133,013 Total Trust Assets: .............................................. 0 Deposits: ................................................... 115,256 Federal Funds and Borrowings: .....................2,342 Other Liabilities:............................................... 695 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 118,293 Total Equity Capital: ....................................14,720 Total Liabilities and Capital: ....................... 133,013 Number of Shares Outstanding: ..................20,000 Directors: D. Karrol Fowlkes; Mark Montgomery; C. Dwayne Plumlee; James "Jim" Short; Guy R. "Buck" Smith; John Ed Welch Branches in Town: None Other Branches: Mammoth Spring, Viola 68 Arkansas State Bank Department Logan County Bank Scranton, AR VOICE: (479) 938-2511 FAX: (479) 938-7084 Trust Powers: No 600 Main Street 72863-0085 Charter Number: 578 Date: April 7, 1926 FDIC Certificate Number: 5632 Home Page: www.logancountybank.net Bank Holding Company None CEO/Pres: Gary Fritsche VP: Adam Fritsche SVP: Jerry L. Davis Cash: Don Fritsche Cash and Due from:...................................... 2,440 Federal Funds and Repos: .............................. 525 Investments: ............................................... 50,313 Net Loans: .................................................. 29,802 Premises and Fixed Assets:............................. 360 Other Real Estate: ............................................. 38 Other Assets: ................................................... 910 Total Assets: ............................................... 84,388 Total Trust Assets: ............................................... 0 Deposits: .................................................... 68,914 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ................................................. 92 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 69,006 Total Equity Capital: .................................... 15,382 Total Liabilities and Capital: ........................ 84,388 Number of Shares Outstanding: .................... 4,000 Directors: Eddie Ahne; Don Fritsche; Gary Fritsche; Ronnie 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 72145-1009 Charter Number: 649 Date: February 6, 1932 FDIC Certificate Number: 5633 Home Page: www.fsbank.com Bank Holding Company First Security Bancorp, Searcy, AR Chm/CEO: Reynie Rutledge EVP: J. Mark Ferguson Pres: Michael C. Hutsell TO: Frank Faust Cash and Due from:.................................. 232,297 Federal Funds and Repos: ......................... 36,950 Investments: .......................................... 2,690,112 Net Loans: ............................................. 2,215,319 Premises and Fixed Assets:...................... 110,655 Other Real Estate: ........................................ 6,866 Other Assets: .............................................. 85,911 Total Assets: .......................................... 5,378,110 Total Trust Assets: ................................. 1,199,428 Deposits: ............................................... 3,922,570 Federal Funds and Borrowings: ................ 557,135 Other Liabilities: ............................................ 3,873 Subordinated Debt: .............................................. 0 Total Liabilities: ...................................... 4,483,578 Total Equity Capital: .................................. 894,532 Total Liabilities and Capital: ................... 5,378,110 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), Clarksville (4), Clinton, Coal Hill, Conway (5), Farmington, Fayetteville (5), Gassville, Greenbrier, Heber Springs (2), Hot Springs (2), Jonesboro (3), Judsonia, Little Rock (8), Lowell, Maumelle, Mayflower, McRae, Mountain Home (4), Mountain View, North Little Rock (3), Pangburn, Rogers (3), Russellville, Springdale (5), Vilonia One Hundred and Third Report 69 Peoples Bank Sheridan, AR VOICE: (870) 942-5707 FAX: (870) 942-2489 Trust Powers: No CEO: John D. Manatt Pres: Craig L. Manatt 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 SVP: G. Jannette Jones Cash and Due from: .................................... 16,308 Federal Funds and Repos: .................................. 0 Investments: ................................................ 58,536 Net Loans:................................................... 70,833 Premises and Fixed Assets: .......................... 2,349 Other Real Estate: ............................................... 0 Other Assets: ................................................ 3,980 Total Assets: ............................................. 152,006 Total Trust Assets: .............................................. 0 Deposits: ................................................... 131,289 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 440 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 131,729 Total Equity Capital: ....................................20,277 Total Liabilities and Capital: ....................... 152,006 Number of Shares Outstanding: ..................56,562 Directors: Dannie L. Brown; Donald L. Hedden; Gary D. Hines; Bobby G. Jeffrey; James W. Lancaster; Craig L. Manatt; John D. Manatt; Mary Mel Nixon; Shelby L. Taylor; Alvin L. Upton; David L. Wells; W. A. Winston Branches in Town: None Other Branches: Little Rock Smackover State Bank Smackover, AR VOICE: (870) 725-3051 FAX: (870) 725-3049 Trust Powers: Yes 708 North Broadway 71762-0107 Charter Number: 600 Date: April 18, 1928 FDIC Certificate Number: 5623 Home Page: www.smackoverbank.com Bank Holding Company Smackover Bancshares, Inc., Smackover, AR Chm: J. Drew Tennyson CEO/Pres: James B. Yeager Cash and Due from: ...................................... 9,618 Federal Funds and Repos: ............................ 4,075 Investments: .............................................. 110,600 Net Loans:................................................... 58,708 Premises and Fixed Assets: .......................... 2,145 Other Real Estate: ............................................350 Other Assets: ................................................ 1,109 Total Assets: ............................................. 186,605 Total Trust Assets: .............................................. 0 Deposits: ................................................... 162,967 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 288 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 163,255 Total Equity Capital: ....................................23,350 Total Liabilities and Capital: ....................... 186,605 Number of Shares Outstanding: ................ 100,000 Directors: Dr. Richard Davis; Gary deYampert; Charles J. Foot; Charles L. Tennyson; J. Drew Tennyson; James B. Yeager Branches in Town: None Other Branches: El Dorado (2), Norphlet 70 Arkansas State Bank Department Riverside Bank Sparkman, AR VOICE: (870) 678-2251 FAX: (870) 678-2401 Trust Powers: No Commerce & Main Streets 71763-0127 Charter Number: 457 Date: September 19, 1916 FDIC Certificate Number: 93 Home Page: www.riversidebank.com Bank Holding Company Riverside Bancshares, Inc., Little Rock, AR CEO/VChm: Stephen C. Davis Pres: Robert G. Dudley, Jr. Cash and Due from:......................................... 852 Federal Funds and Repos: ........................... 1,525 Investments: ................................................. 1,287 Net Loans: .................................................. 50,531 Premises and Fixed Assets:.......................... 2,454 Other Real Estate: ............................................. 70 Other Assets: ................................................ 1,619 Total Assets: ............................................... 58,338 Total Trust Assets: ............................................... 0 Deposits: .................................................... 52,118 Federal Funds and Borrowings: .................... 1,000 Other Liabilities: ................................................. 96 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 53,214 Total Equity Capital: ...................................... 5,124 Total Liabilities and Capital: ........................ 58,338 Number of Shares Outstanding: .................... 3,000 Directors: Stephen C. Davis; Robert G. Dudley, Jr.; Charles T. Gaston; David Matchet; Donny White Branches in Town: None Other Branches: Little Rock United Bank Springdale, AR VOICE: (479) 756-8811 FAX: (866) 897-2839 Trust Powers: Yes 2600 South Thompson Street Charter Number: 794 72764-6354 Date: June 11, 2014 FDIC Certificate Number: 32025 Home Page: www.united-bk.com Member of Federal Reserve System Bank Holding Company United Holding Company, Inc., Springdale, AR CEO/Pres: Nathan Gairhan SVP/CLO: Luke Colley SVP/CFO: Paige Mulhollan Cash and Due from:.................................... 16,576 Federal Funds and Repos: .................................. 0 Investments: ................................................. 6,862 Net Loans: ................................................ 145,187 Premises and Fixed Assets:.......................... 7,871 Other Real Estate: ............................................. 64 Other Assets: ................................................ 2,170 Total Assets: ............................................. 178,730 Total Trust Assets: ............................................... 0 Deposits: .................................................. 137,590 Federal Funds and Borrowings: .................. 17,230 Other Liabilities: ............................................... 958 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 155,778 Total Equity Capital: .................................... 22,952 Total Liabilities and Capital: ...................... 178,730 Number of Shares Outstanding: ................ 100,000 Directors: John Ervin; Nathan Gairhan; Michele Harrington; Darrin Pitts; Don Pitts; John Scott; Craig Young Branches in Town: One Other Branches: Fayetteville, Rogers One Hundred and Third Report 71 Bodcaw Bank Stamps, AR VOICE: (870) 533-4486 FAX: (870) 533-4456 Trust Powers: No 307 Thomas Street 71860-0008 Charter Number: 106 Date: December 8, 1902 FDIC Certificate Number: 5624 Home Page: www.bodcawbank.com Bank Holding Company Bodcaw Bancshares, Inc., Stamps, AR Pres/Sec: Scott Hultberg Cash: Michelle Downs Cash and Due from: ...................................... 5,696 Federal Funds and Repos: ...............................825 Investments: ................................................ 48,055 Net Loans:................................................... 23,117 Premises and Fixed Assets: ...............................88 Other Real Estate: ............................................415 Other Assets: ...................................................457 Total Assets: ............................................... 78,653 Total Trust Assets: .............................................. 0 Deposits: .....................................................69,338 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 211 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................69,549 Total Equity Capital: ......................................9,104 Total Liabilities and Capital: .........................78,653 Number of Shares Outstanding: ..................10,000 Directors: Charles L. Cabe, Jr.; D. Copie Dickson; Scott Hultberg; Danny K. Smith; John W. Smith, Jr. Branches in Town: None Other Branches: None Bank of Star City Star City, AR VOICE: (870) 628-4286 FAX: (870) 628-5274 Trust Powers: No 116 North Lincoln 71667-0069 Charter Number: 567 Date: April 27, 1925 FDIC Certificate Number: 5634 Home Page: www.bankofstarcity.com Member of Federal Reserve System Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Marion Burge Ryburn Pres: R. Mark Owen Cash and Due from: ...................................... 1,728 Federal Funds and Repos: .................................. 0 Investments: ................................................ 22,944 Net Loans:................................................... 61,615 Premises and Fixed Assets: .......................... 3,067 Other Real Estate: ..............................................19 Other Assets: ................................................ 1,211 Total Assets: ............................................... 90,584 Total Trust Assets: .............................................. 0 Deposits: .....................................................74,080 Federal Funds and Borrowings: .....................2,218 Other Liabilities:............................................... 130 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................76,428 Total Equity Capital: ....................................14,156 Total Liabilities and Capital: .........................90,584 Number of Shares Outstanding: ..................15,000 Directors: Keith D. Griffin; R. Mark Owen; Marion Ryburn; Kevin White; Barry Wood Branches in Town: None Other Branches: Dumas, Pine Bluff (2), White Hall Arkansas State Bank Department 72 Security Bank Stephens, AR VOICE: (870) 786-5416 FAX: (870) 786-5419 Trust Powers: No 105 Ruby Street 71764-0007 Charter Number: 692 Date: February 8, 1946 FDIC Certificate Number: 16395 Home Page: www.secbnk.com Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm: Carol Reaves EVP: Duncan Grayson CEO/Pres: Guy R. "Buck" Smith EVP/CFO/COO: Cheryl Brown Cash and Due from:...................................... 3,730 Federal Funds and Repos: .............................. 150 Investments: ................................................. 5,499 Net Loans: .................................................. 53,633 Premises and Fixed Assets:.......................... 1,665 Other Real Estate: ............................................. 40 Other Assets: ................................................ 2,379 Total Assets: ............................................... 67,096 Total Trust Assets: ............................................... 0 Deposits: .................................................... 60,210 Federal Funds and Borrowings: ........................... 0 Other Liabilities: ............................................ 1,256 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 61,466 Total Equity Capital: ...................................... 5,630 Total Liabilities and Capital: ........................ 67,096 Number of Shares Outstanding: .................. 11,000 Directors: Duncan Grayson; Carol Reaves; Guy R. "Buck" Smith Branches in Town: None Other Branches: None The Farmers and Merchants Bank Stuttgart, AR VOICE: (870) 673-6911 FAX: (870) 672-4282 Trust Powers: Yes 708 S. Main Street 72160-1016 Charter Number: 687 Date: December 29, 1944 FDIC Certificate Number: 16216 Home Page: www.mebanking.com Member of Federal Reserve System Bank Holding Company The Farmers and Merchants Bankshares, Inc., Stuttgart, AR Chm: Roy O. McCollum, III CEO/Pres: Gary Hudson Cash and Due from:.................................... 29,707 Federal Funds and Repos: ........................... 8,871 Investments: ............................................. 214,101 Net Loans: ................................................ 651,607 Premises and Fixed Assets:........................ 14,874 Other Real Estate: ........................................ 2,764 Other Assets: .............................................. 72,609 Total Assets: ............................................. 994,533 Total Trust Assets: .................................... 133,948 Deposits: .................................................. 777,299 Federal Funds and Borrowings: .................. 78,042 Other Liabilities: ............................................ 6,766 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 862,107 Total Equity Capital: .................................. 132,426 Total Liabilities and Capital: ...................... 994,533 Number of Shares Outstanding: ................ 100,000 Directors: Gerald Carter; Bradley A. Chambless; Greg Connell; Gary Hudson; Roy O. McCollum, III; Don Pattillo; Mickey Pierce; Robert H. Pond; Robert Seidenstricker; Patricia M. Townsend; Ray Vester Branches in Town: Four Other Branches: Des Arc, DeWitt, Farmington, Fayetteville (5), Hazen, Marianna, Morrilton, Perryville, Prairie Grove, West Fork One Hundred and Third Report 73 Citizens Bank & Trust Company Van Buren, AR VOICE: (479) 474-1201 FAX: (479) 410-1340 Trust Powers: Yes 3110 Alma Hwy. 72956-0469 Charter Number: 328 Date: December 20, 1910 FDIC Certificate Number: 8738 Home Page: www.cbankandtrust.com Member of Federal Reserve System Bank Holding Company First Bank Corp., Fort Smith, AR CEO/Pres: D. Keith Hefner SVP: Joe Dan Stewart EVP: Lance L. Lanier TO: Cindy Winborn Cash and Due from: ...................................... 9,616 Federal Funds and Repos: .................................. 0 Investments: .............................................. 135,408 Net Loans:................................................. 233,782 Premises and Fixed Assets: .......................... 4,707 Other Real Estate: ............................................... 0 Other Assets: .............................................. 12,389 Total Assets: ............................................. 395,902 Total Trust Assets: ...................................... 18,488 Deposits: ................................................... 344,472 Federal Funds and Borrowings: ....................... 917 Other Liabilities:.............................................1,738 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 347,127 Total Equity Capital: ....................................48,775 Total Liabilities and Capital: ....................... 395,902 Number of Shares Outstanding: ..................16,000 Directors: J. Kevin Bell; Mont S. Echols, Jr.; Morril H. Harriman; D. Keith Hefner; Jacob Howell; L. Scott McBrayer; Brett D. Peters; Paul D. Shirley; Jeremy S. Simon; William W. Thomas; James G. Williamson, Jr. Branches in Town: Three Other Branches: Alma, Mountainburg First State Bank of Warren Warren, AR VOICE: (870) 226-2601 FAX: (870) 226-2253 Trust Powers: Yes 104 S. Main Street 71671-0029 Charter Number: 739 Date: December 12, 1978 FDIC Certificate Number: 94 Home Page: www.firststatewarren.com Member of Federal Reserve System Bank Holding Company Bradley Bancshares, Inc., Warren, AR Pres: Freddie M. Mobley EVP/TO: Hugh Quimby Cash and Due from: ...................................... 5,512 Federal Funds and Repos: .................................. 0 Investments: ................................................ 62,259 Net Loans:................................................... 39,809 Premises and Fixed Assets: .......................... 1,009 Other Real Estate: ............................................363 Other Assets: ................................................ 3,073 Total Assets: ............................................. 112,025 Total Trust Assets: ...........................................473 Deposits: .....................................................99,708 Federal Funds and Borrowings: ........................... 0 Other Liabilities:............................................... 254 Subordinated Debt: ............................................. 0 Total Liabilities: ...........................................99,962 Total Equity Capital: ....................................12,063 Total Liabilities and Capital: ....................... 112,025 Number of Shares Outstanding: ..................59,000 Directors: Robert Garner; Roger George; Robert Green, Jr.; Freddie M. Mobley; Hugh A. Quimby; Bennie Ryburn, III; Ray Ryburn; Dr. Joe H. Wharton Branches in Town: One Other Branches: Hampton, Hermitage 74 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 71671-0350 Charter Number: 80 Date: December 28, 1901 FDIC Certificate Number: 81 Home Page: www.warrenbanktrust.com Member of Federal Reserve System Bank Holding Company None Chm: John B. Frazer, Jr. Pres: Kelly Ashcraft Cash and Due from:...................................... 4,043 Federal Funds and Repos: .............................. 325 Investments: ............................................... 83,611 Net Loans: .................................................. 43,217 Premises and Fixed Assets:............................. 503 Other Real Estate: ............................................. 90 Other Assets: ................................................ 1,161 Total Assets: ............................................. 132,950 Total Trust Assets: ...................................... 21,908 Deposits: .................................................. 104,885 Federal Funds and Borrowings: .................... 5,989 Other Liabilities: ............................................... 123 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 110,997 Total Equity Capital: .................................... 21,953 Total Liabilities and Capital: ...................... 132,950 Number of Shares Outstanding: .................. 48,000 Directors: Kelly Ashcraft; Dr. Donnie R. Bryant; Gerald Burton; Carlton E. Davis; John B. Frazer, Jr.; Dr. Rocky K. Lindsey; Jeffrey B. McGaha; Dr. Kerry F. Pennington Branches in Town: Two Other Branches: Hermitage Evolve Bank & Trust West Memphis, AR VOICE: (901) 624-5500 FAX: (901) 624-5540 Trust Powers: Yes 301 Shoppingway Boulevard 72301-1719 Charter Number: 568 Date: June 5, 1925 FDIC Certificate Number: 1299 Home Page: www.getevolved.com Member of Federal Reserve System Bank Holding Company Evolve Bancorp, Inc., West Memphis, AR Chm: Scot Lenoir EVP/CFO: Mark Mosteller CEO/Pres: Scott Stafford Cash and Due from:...................................... 5,842 Federal Funds and Repos: .................................. 0 Investments: ............................................... 20,471 Net Loans: ................................................ 397,811 Premises and Fixed Assets:.......................... 5,616 Other Real Estate: ........................................ 1,883 Other Assets: .............................................. 18,831 Total Assets: ............................................. 450,454 Total Trust Assets: .................................... 689,096 Deposits: .................................................. 357,341 Federal Funds and Borrowings: .................. 43,000 Other Liabilities: .......................................... 10,858 Subordinated Debt: .............................................. 0 Total Liabilities: ......................................... 411,199 Total Equity Capital: .................................... 39,255 Total Liabilities and Capital: ...................... 450,454 Number of Shares Outstanding: .................. 68,286 Directors: Alvinor Bright, Jr.; Donald Clanton; Lewis Holland; Forrest N. Jenkins; Scot Lenoir; Lon Magness; John T. Pitts, Jr.; W. Scott Stafford; Stephen Valentine Branches in Town: None Other Branches: Memphis[TN], Parkin, Wynne One Hundred and Third Report 75 Cross County Bank Wynne, AR VOICE: (870) 238-8171 FAX: (870) 238-4052 Trust Powers: Yes 1 Cross County Plaza 72396-0009 Charter Number: 25 Date: June 5, 1891 FDIC Certificate Number: 13821 Home Page: www.crosscountybank.com Bank Holding Company Cross County Bancshares, Inc., Wynne, AR Chm: Dr. Willard G. Burks SVP/CFO: Beth Dildine CEO/Pres/TO: David Dowd SVP/CLO: Jack Runsick Cash and Due from: .................................... 14,195 Federal Funds and Repos: .................................. 0 Investments: ................................................ 10,249 Net Loans:................................................. 195,551 Premises and Fixed Assets: .......................... 7,093 Other Real Estate: ......................................... 1,328 Other Assets: ................................................ 7,999 Total Assets: ............................................. 236,415 Total Trust Assets: ...................................... 10,563 Deposits: ................................................... 199,045 Federal Funds and Borrowings: .....................8,283 Other Liabilities:............................................... 115 Subordinated Debt: ............................................. 0 Total Liabilities: ......................................... 207,443 Total Equity Capital: ....................................28,972 Total Liabilities and Capital: ....................... 236,415 Number of Shares Outstanding: ....................4,000 Directors: Dr. Willard G. Burks; Ronald R. Caldwell; Guy E. Fisher; Albert A. Hess; Pete L. Imboden, III; Kenneth L. Johnson, Jr.; R. Vance Lawson; Thomas W. Morgan, Jr.; Roger E. Pohlner; Donald L. Reddmann; R. Joe Rennicke Branches in Town: One Other Branches: Blytheville, Brinkley, Cherry Valley, Hickory Ridge, Jonesboro, Manila, Osceola REPORT OF THE STATE CHARTERED NON-PROFIT ORGANIZATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2017 78 Arkansas State Bank Department Arkansas Capital Corporation Little Rock, AR VOICE: (501) 374-9247 FAX: (501) 374-9425 Trust Powers: No Chm: Kevin Burns CEO: Rush B. Deacon 200 River Market Avenue, Suite 400 72201-1766 Charter Number: 2000 Date: May 2, 2017 County: Pulaski Home Page: www.arcapital.com Bank Holding Company None VChm: Brad Chambless Pres/COO: Sam Walls, III Cash and Due from:......................................... 852 Federal Funds and Repos: .................................. 0 Investments: ................................................. 5,294 Net Loans: .................................................. 31,923 Premises and Fixed Assets:............................. 717 Other Real Estate: ............................................... 0 Other Assets: ................................................ 1,990 Total Assets: ............................................... 40,776 Total Trust Assets: ............................................... 0 Deposits: ............................................................. 0 Federal Funds and Borrowings: .................. 30,460 Other Liabilities: ............................................... 482 Subordinated Debt: .............................................. 0 Total Liabilities: ........................................... 30,942 Total Equity Capital: ...................................... 9,834 Total Liabilities and Capital: ........................ 40,776 Number of Shares Outstanding: .................... 1,017 Directors: Kevin Burns; Charles Cervantes; Brad Chambless; Dennis Cooper; Rush Deacon; Bill Holmes; Mike Malone; Karen Marine; Sandra Massey; Virgil L. Miller, Jr.; Martha Moore; Bryan Scoggins; Frank D. Scott, Jr.; David H. Shindler; William T. Staed; Boon W. Tan Branches in Town: None Other Branches: None REPORT OF THE STATE CHARTERED TRUST COMPANY (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2017 Arkansas State Bank Department 80 Community First Trust Company Hot Springs, AR VOICE: (501) 520-3660 135 Section Line Road, C-1 Charter Number: 35001 FAX: (501) 520-3667 71913 Date: Jun. 17, 1998 Population: 35,750 County: Garland Home Page: www.communityfirsttrust.com CEO/Pres: William L. Kerst, Jr. CFO: Leslie Ballentine Directors: Charlotte Arnold, CPA; Robert J. Bruce; Mark Buhrow; Gerald A. Burgener; David French; William L. Kerst, Jr.; C. Tim White Branches in Town: None Other Branches: El Dorado, Hot Springs Village, Little Rock, Russellville REPORT OF THE REGIONAL/COUNTY INDUSTRIAL DEVELOPMENT CORPORATION (NOT ENGAGED IN COMMERCIAL BANKING) JUNE 30, 2017 Arkansas State Bank Department 82 Perry County Industrial Development Corporation Perryville, AR VOICE: (501) 889-2621 FAX: (501) 889-2966 Pres: Mark Roland VP: Donald C. Crain P. O. Box 869 72126-0869 Charter Number: 30003 Date: Aug. 18, 1994 County: Perry Treas: John C. Branscum ALL COMMERCIAL BANKS HEADQUARTERED IN ARKANSAS, LISTED BY COUNTY AND A MAP IDENTIFYING ALL OF THE STATE’S 75 COUNTIES JUNE 30, 2017 Arkansas State Bank Department 84 COUNTY BANK CITY Arkansas Arkansas County Bank DeWitt Bank And Trust Company The Farmers and Merchants Bank DeWitt DeWitt Stuttgart Ashley First National Bank of Crossett First State Bank Home Bank of Arkansas Crossett Crossett Portland Baxter Integrity First Bank, National Association Benton Bank of Gravett Bradley First State Bank of Warren Warren Bank and Trust Company Calhoun Generations Bank Carroll First National Bank of North Arkansas Cornerstone Bank Anstaff Bank Chicot The Bank of Lake Village Lake Village Clark Southern Bancorp Bank Arkadelphia Clay Piggott State Bank Cleveland Gateway Bank Columbia Farmers Bank and Trust Company The Peoples Bank Magnolia Magnolia Conway Petit Jean State Bank Morrilton Crawford Citizens Bank & Trust Company Crittenden First Community Bank of Eastern Arkansas Evolve Bank & Trust Fidelity National Bank Cross Cross County Bank The First National Bank of Wynne Dallas FBT Bank & Mortgage Riverside Bank Mountain Home Gravette Warren Warren Hampton Berryville Eureka Springs Green Forest Piggott Rison Van Buren Marion West Memphis West Memphis Wynne Wynne Fordyce Sparkman One Hundred and Third Report 85 COUNTY BANK CITY Desha Merchants & Farmers Bank First NaturalState Bank McGehee Bank Dumas McGehee McGehee Drew Commercial Bank & Trust Company Union Bank And Trust Company Monticello Monticello Faulkner Centennial Bank First Service Bank Conway Greenbrier Fulton Bank of Salem Grant Peoples Bank Greene First National Bank Hot Spring The Malvern National Bank Independence First Community Bank The Citizens Bank Izard The First National Bank of Izard County Jackson Merchants & Planters Bank Jefferson Relyance Bank, National Association Simmons Bank Lafayette Community State Bank Bodcaw Bank Lawrence The First National Bank of Lawrence County Lincoln Bank of Star City Logan First Western Bank The First National Bank at Paris Logan County Bank Salem Sheridan Paragould Malvern Batesville Batesville Calico Rock Newport Pine Bluff Pine Bluff Bradley Stamps Walnut Ridge Star City Booneville Paris Scranton Arkansas State Bank Department 86 COUNTY BANK CITY Lonoke Bank of England First State Bank Madison Today's Bank Huntsville Mississippi Farmers Bank And Trust Company Blytheville Monroe The Merchants and Planters Bank Clarendon Nevada Bank of Prescott Prescott Ouachita Bank of Bearden Security Bank Bearden Stephens Phillips Helena National Bank Pike Bank of Delight Diamond Bank Delight Murfreesboro Poinsett First Delta Bank Marked Tree Polk The Union Bank of Mena Pope First State Bank Pulaski First Arkansas Bank & Trust Bank of Little Rock Bank of the Ozarks Bear State Bank Central Bank Eagle Bank & Trust Company Heartland Bank One Bank & Trust, National Association The Capital Bank Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Randolph RiverBank Pocahontas Sebastian The First National Bank of Fort Smith Farmers Bank Fort Smith Greenwood Sevier First State Bank of DeQueen Horatio State Bank England Lonoke Helena - West Helena Mena Russellville DeQueen Horatio One Hundred and Third Report 87 COUNTY BANK CITY Sharp FNBC Bank Bank of Cave City St. Francis Armor Bank, National Association 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 Bank of McCrory Augusta McCrory Yell Chambers Bank River Town Bank Danville Dardanelle Ash Flat Cave City Forrest City Forrest City Mountain View Searcy 88 Arkansas State Bank Department MAP OF ARKANSAS COUNTIES ARKANSAS BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS IN ARKANSAS JUNE 30, 2017 Arkansas State Bank Department 90 Southern Bancorp Inc. Arkadelphia, AR RSSD Number: 1248939 VOICE: (501) 850-8969 FAX: (501) 537-1193 605 Main Street, Suite 202 8924 Kanis Road 71923 Chm: Glen Jones CEO: Darrin Williams CFO: Christopher Wewers Subsidiaries: Southern Bancorp Bank Southern Bancorp Investment Fund I, LLC Southern Landlord LLC Creekside Holdings LLC Southern Bancorp Statutory Trust IV Southern Development Capital Trust Southern Development Statutory Trust III Southern Property Corporation of the Delta SBI Acquisition, Inc. Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Madison, MS Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Arkadelphia, AR Madison, MS FNBC Bancorp Inc. Ash Flat, AR RSSD Number: 1099690 VOICE: (870) 994-2311 FAX: (870) 257-1889 636 Ash Flat Drive P. O. Box 8 72513 CEO/Pres: Martin Carpenter VP: Marty Sellars Sec: Terri French Sec: Morris Street Subsidiaries: FNBC Bank FNBC Capital Trust I Ash Flat, AR Ash Flat, AR Citizens Bancshares of Batesville, Inc. Batesville, AR RSSD Number: 1131077 VOICE: (870) 793-4441 FAX: (870) 698-6299 CEO/Pres: Phil Baldwin Subsidiaries: The Citizens Bank Citizens Bancshares (AR) Statutory Trust I 200 South Third Street P. O. Box 2156 72503-2156 EVP/CFO: Karen Shaw Batesville, AR Batesville, AR One Hundred and Third Report 91 First Community Bancshares, Inc. Batesville, AR RSSD Number: 2641694 VOICE: (870) 612-3400 FAX: (870) 612-3412 1325 Harrison Street P. O. Box 4327 72501-4327 Chm/CEO/Pres: Dale E. Cole EVP: Boris A. Dover CFO: Jason Taylor Sec: Dianne Lamberth Subsidiaries: First Community Bank Batesville Insurance Agency, Inc. 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 71720-0135 Sec: Ken Riley Bearden, AR Bearden, AR 92 Arkansas State Bank Department Arvest Bank Group, Inc. Bentonville, AR RSSD Number: 1095674 VOICE: (479) 464-1500 FAX: (479) 464-1540 Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Holdings, Inc. Arvest Bank Arvest Central Mortgage Company ABREHB, LLC Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. RHV, LLC RHV2, LLC First Place on the Creeks, LLC WACO Title Company ABR Investments, Inc. D 3 Technology, Inc. Security Bankcard Center, Inc. Southwest Cattlemen's Corporation Superior Finance Company NBC Capital Trust I NBC Capital Trust II Superior Financial Statutory Trust II CFB Aviation, LLC AREH LLC Arvest Statutory Trust I 110 NW 2nd Street, Suite 300 P. O. Box 1860 72712 Sec: Karla Payne Bentonville, AR Fayetteville, AR Little Rock, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Rogers, AR Springdale, AR Joplin, MO Omaha, NE Norman, OK Tulsa, OK Tulsa, OK North Little Rock, AR North Little Rock, AR Hartford, CT Bentonville, AR Lowell, AR Hartford, CT One Hundred and Third Report 93 Arvest Holdings, Inc. Bentonville, AR RSSD Number: 1845673 VOICE: (479) 464-1500 FAX: (479) 464-1540 110 NW 2nd Street, Suite 300 P. O. Box 1860 72712 Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm/CEO/Pres: Jim C. Walton VP/Treas/Sec: Richard D. Chapman Subsidiaries: Arvest Bank Arvest Central Mortgage Company ABREHB, LLC Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Investments, Inc. RHV, LLC RHV2, LLC First Place on the Creeks, LLC WACO Title Company ABR Investments, Inc. D 3 Technology, Inc. Security Bankcard Center, Inc. Southwest Cattlemen's Corporation Superior Finance Company NBC Capital Trust I NBC Capital Trust II Superior Financial Statutory Trust II Fayetteville, AR Little Rock, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Lowell, AR Rogers, AR Springdale, AR Joplin, MO Omaha, NE Norman, OK Tulsa, OK Tulsa, OK North Little Rock, AR North Little Rock, AR Hartford, CT Farmers Bancorp, Inc. Blytheville, AR RSSD Number: 1247615 VOICE: (870) 763-8101 FAX: (870) 763-3500 Chm/CEO/Pres: Steve Bell Subsidiaries: Farmers Bank And Trust Company 180 Campbellsville, LLC 400 West Main Street P. O. Box 688 72316-0688 Sec: Randy Scott Blytheville, AR Franklin, TN Arkansas State Bank Department 94 First Western Bancshares ESOT Booneville, AR RSSD Number: 2628994 VOICE: (479) 675-0369 FAX: (479) 675-0751 80 West Main P. O. Box 87 72927-0087 Chm: John T. Hampton Subsidiaries: First Western Bancshares, Inc. First Western Bank First Western Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. First Western Statutory Trust II First Western Statutory Trust III Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR First Western Bancshares, Inc. Booneville, AR RSSD Number: 1100091 VOICE: (479) 675-0369 FAX: (479) 675-0751 80 West Main P. O. Box 87 72927-0087 Bank Holding Company First Western Bancshares ESOT, Booneville, AR Chm/CEO: John T. Hampton EVP: Ty Hampton Subsidiaries: First Western Bank First Western Financial, Inc. First Western Insurance Agency, Inc. First Western Mortgage, Inc. First Western Properties, Inc. First Western Statutory Trust II First Western Statutory Trust III VP/Sec: Debbie Danekas Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR Booneville, AR One Hundred and Third Report 95 Harrell Bancshares, Inc. Camden, AR RSSD Number: 2352196 VOICE: (870) 837-8300 FAX: (870) 837-8310 1325 Hwy. 278 Bypass P. O. Box 10 71701 Pres: Jonathan W. Harrell VP: Paul Lindsey Sec: Phillip J. Foster Subsidiaries: Generations Bank Hampton, AR Sharp Bancshares, Inc. Cave City, AR RSSD Number: 1099663 VOICE: (870) 283-5301 FAX: (870) 283-6466 137 South Main P. O. Box 490 72521-0490 Chm: Samuel F. Beller CEO/Pres: John Beller VChm: Bruce Street CFO: Dennis Esteb Subsidiaries: Bank of Cave City Cave City Properties, Inc. Cave City, AR Cave City, AR Clarendon Holding Co. Clarendon, AR RSSD Number: 1099252 VOICE: (870) 747-3319 FAX: (870) 747-3498 Chm: J. Baxter Sharp, III Subsidiaries: The Merchants and Planters Bank 297 Madison P. O. Box 280 72029-0280 CEO/Pres: J. Kendall Henry Clarendon, AR 96 Arkansas State Bank Department Home BancShares, Inc. Conway, AR RSSD Number: 1491409 VOICE: (501) 328-4663 FAX: (501) 328-4679 719 Harkrider Street, Suite 100 P. O. Box 966 72032 Chm: John W. Allison CEO: C. Randall Sims CFO: Brian Davis Subsidiaries: Centennial Bank Centennial Insurance Agency, Inc. Freedom Insurance Group, Inc. Cook Insurance Agency, Inc. Centennial (AR) Statutory Trust I Liberty Statutory Trust 1 Liberty Statutory Trust II Russellville Statutory Trust I Conway, AR Cabot, AR Jonesboro, AR Apalachicola, FL Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Evergreen Bancshares, Inc. Crossett, AR RSSD Number: 1134797 VOICE: (870) 364-5131 FAX: (870) 364-6329 200 Pine Street P. O. Box 638 71635-0638 Chm: Richard E. Griffin CEO/Pres: Howard M. Beaty, Jr. Subsidiaries: First State Bank Crossett, AR Chambers Bancshares, Inc. Danville, AR RSSD Number: 1141487 VOICE: (479) 495-4680 FAX: (479) 495-4681 Chm/CEO/Pres: John Ed Chambers, III SVP: Mike Donnell Subsidiaries: Chambers Bank Sloan Capital Trust I 105 East 9th Street P. O. Box 1330 72833-1330 CFO: Landi Mkhize Danville, AR Danville, AR One Hundred and Third Report 97 Bank of Dardanelle Bankshares, Inc. Dardanelle, AR RSSD Number: 1134546 VOICE: (479) 229-3311 FAX: (479) 229-4180 102 North Front Street P. O. Box 577 72834-0577 CEO: Dee Abrams Sec: Sharon Wilson Subsidiaries: River Town Bank Dardanelle, AR First State Bancshares, Inc. DeQueen, AR RSSD Number: 2032724 VOICE: (870) 642-4423 FAX: (870) 642-2847 402 West Collin Raye Drive P. O. Box 970 71832-0970 Chm: Dennis Smiley CEO/Pres: Gary L. Golden Subsidiaries: First State Bank of DeQueen First State Insurance of DeQueen Inc. First State DeQueen Statutory Trust I DeQueen, AR DeQueen, AR Wilmington, DE DBT Financial Corporation DeWitt, AR RSSD Number: 1139176 VOICE: (870) 946-3531 FAX: (870) 946-2815 Pres: Becca Mehlin Second and Jefferson Streets P. O. Drawer 71 72042-0071 Sec: David Jessup Subsidiaries: DeWitt Bank And Trust Company DBT Realty Company, Inc. P & M Realty, Inc. DeWitt Bank and Trust Insurance Company, Inc DeWitt, AR DeWitt, AR DeWitt, AR DeWitt, AR Arkansas State Bank Department 98 DeWitt First Bankshares Corporation DeWitt, AR RSSD Number: 1099243 VOICE: (870) 946-3551 FAX: (870) 946-1562 220 West Cross P. O. Box 511 72042-0511 Pres/Sec: Warren A. Jennings, Sr. Subsidiaries: Arkansas County Bank DeWitt, AR M & F Financial Corporation Dumas, AR RSSD Number: 1099506 VOICE: (870) 382-4311 FAX: (870) 382-5901 Chm/CEO: L. Ashton Adcock Pres: J. Michael Jones 500 Highway 65 South P. O. Box 187 71639-0187 Treas/Sec: Betty B. Trites Subsidiaries: Merchants & Farmers Bank Dumas, AR First Financial Banc Corporation El Dorado, AR RSSD Number: 2568102 VOICE: (870) 863-7000 FAX: (870) 881-5393 CEO/Pres: Chris Hegi EVP: Craig Mobley 214 North Washington Street P. O. Box 1754 71730-1754 EVP/CFO: Melissa Jerry Sec: Debra Martin Subsidiaries: First Financial Bank First Title Services, Inc. First Financial Banc Corporation Statutory Trust I First Financial Statutory Trust III El Dorado, AR El Dorado, AR El Dorado, AR El Dorado, AR One Hundred and Third Report 99 MHBC Investments Limited Partnership, I LLLP England, AR RSSD Number: 2795083 VOICE: (501) 842-2555 FAX: (501) 842-2422 123 South Main Street P. O. Box 70 72046 Chm/CEO/Pres: Gary Canada Subsidiaries: Canada Bancshares, Inc. Bank of England BOE Acquisition Company, Inc. England, AR England, AR England, AR Canada Bancshares, Inc. England, AR RSSD Number: 5081385 VOICE: (501) 842-2555 FAX: (501) 842-2422 123 South Main Street 72046 Bank Holding Company MHBC Investments Limited Partnership, I LLLP, England, AR Chm/CEO/Pres: Gary Canada Subsidiaries: Bank of England BOE Acquisition Company, Inc. England, AR England, AR Eureka Bancshares, Inc. Eureka Springs, AR RSSD Number: 2941769 VOICE: (479) 253-3000 FAX: (479) 253-3004 Chm/CEO/Pres: John F. Cross VChm: Lewis E. Epley, Jr. Subsidiaries: Cornerstone Bank 70 South Main P. O. Box 309 72632-0309 Sec: Charles T. Cross Eureka Springs, AR Arkansas State Bank Department 100 White River Bancshares Company Fayetteville, AR RSSD Number: 3306589 VOICE: (479) 684-3700 FAX: (479) 684-3795 3878 N. Crossover Road, Suite 20 P. O. Box 8550 72703 Chm/CEO/Pres: Gary R. Head CAO: Brant Ward CFO: Russell W. Nugent, Jr. CLO: Daniel J. Lewis Subsidiaries: Signature Bank of Arkansas Fayetteville, AR FBT Bancshares, Inc. Fordyce, AR RSSD Number: 1099092 VOICE: (870) 352-3107 FAX: (870) 352-5202 Chm/CEO/Pres: James V. Hulse, Jr. EVP: Bruce Dawson Subsidiaries: FBT Bank & Mortgage 200 West 4th Street 71742-2202 EVP/Sec: Suzette Crutchfield SVP: David Sisson Fordyce, AR One Hundred and Third Report 101 First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (479) 782-2041 FAX: (479) 788-4602 602 Garrison Avenue P. O. Box 7 72902-0007 Chm: Mont S. Echols, Jr. CEO/Pres: Sam T. Sicard VP: James G. Williamson, Jr. Subsidiaries: The First National Bank of Fort Smith Special L P, LLC Citizens Bank & Trust Company PMF, Inc. V B Senior Housing Limited Partnership BHC Insurance FBC Acquisition, Inc. First Asset Holdings, LLC Placid Hills Managment, LLC Realty Appraisals, Inc. Rock Creek GP, LLC BHC Insurance of Oklahoma Fort Smith, AR Fort Smith, AR Van Buren, AR Van Buren, AR Van Buren, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Fort Smith, AR Sallisaw, OK Bainum Bancorp Glenwood, AR RSSD Number: 1491333 VOICE: (870) 356-2121 FAX: (870) 356-6327 Chm/Pres: Timothy E. Bainum VChm: Mac McClanahan Subsidiaries: Diamond Bank 205 Hwy 70 East P. O. Box 500 71943 Sec: Laura Habighorst Murfreesboro, AR Arkansas State Bank Department 102 Gravett Bancshares, Inc. Gravette, AR RSSD Number: 3143953 VOICE: (479) 787-5251 FAX: (479) 787-6102 211 SE Main Street P. O. Box 149 72736-0149 Chm/VP: Jim A. Edmondson Pres: Richard T. Pollreis Sec: Lynn F. Cowick Subsidiaries: Bank of Gravett Gravette, AR First National Bancorp, Inc. Green Forest, AR RSSD Number: 2619349 VOICE: (870) 438-5214 FAX: (870) 438-5412 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 Subsidiaries: First Service Bank First Service Realty 136 South Broadview P. O. Box 190 72058-0430 Treas/Sec: Kenneth Barnard Greenbrier, AR Greenbrier, AR One Hundred and Third Report 103 Peoples Home Holding, Inc. Greenbrier, AR RSSD Number: 3029196 VOICE: (501) 679-7283 FAX: (501) 679-7745 Chm/Pres: John Stacks VChm: Joe Benton 61 A South Broadview P. O. Box 307 72058 Sec: Roy Montgomery Subsidiaries: Home Bank of Arkansas HomeBank Insurance Agency Portland, AR Greenbrier, AR Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (479) 996-4171 FAX: (479) 996-6700 Chm: Elizabeth Wilkinson 71 West Center Street P. O. Box 610 72936-0610 CEO/Pres: Edward Wilkinson Subsidiaries: Farmers Bank Greenwood, AR Pioneer Bancshares, Inc. of Horatio, Arkansas Horatio, AR RSSD Number: 1139091 VOICE: (870) 832-2501 FAX: (870) 832-2577 Chm/CEO/Pres: Carl E. Hendrix, III VP: Todd B. Trimble Subsidiaries: Horatio State Bank 123 Main Street P. O. Box 347 71842-0347 Treas/Sec: Michael B. Griffin Horatio, AR Arkansas State Bank Department 104 Smith Associated Banking Corporation Hot Springs, AR RSSD Number: 1098004 VOICE: (501) 623-4292 FAX: (501) 624-7187 1801 Central Avenue, Suite D 71901 Chm/CEO: G. R. Buck Smith Subsidiaries: Bank of Salem SABCO Insurance, Inc. Security Bank Ouachita Properties Inc. Salem, AR Salem, AR Stephens, AR Stephens, AR First Arkansas BancShares, Inc. Jacksonville, AR RSSD Number: 1096550 VOICE: (501) 982-4511 FAX: (501) 982-5769 600 West Main Street P. O. Box 827 72078-0827 Chm/CEO/Pres: Larry T. Wilson SVP/CFO: Kim Cullum Subsidiaries: First Arkansas Bank & Trust First Arkansas Statutory Trust I Jacksonville, AR Jacksonville, AR Southeast Arkansas Bank Corporation Lake Village, AR RSSD Number: 1137033 VOICE: (870) 265-2241 FAX: (870) 265-2125 Chm/CEO: Charles H. Weissinger, Jr. VChm: William W. Bunker Subsidiaries: The Bank of Lake Village BLV Realty, Inc. Jefferson Ag Credit The Jefferson Agency The Jefferson Bank 201 Main Street P. O. Box 727 71653-0727 Pres: Franklin Todd Turner COO: Shannon M. Hill Lake Village, AR Lake Village, AR Greenville, MS Greenville, MS Greenville, MS One Hundred and Third Report 105 Allcorp, Inc. Little Rock, AR RSSD Number: 4152877 VOICE: (501) 680-3808 FAX: N/A 2204 North Spruce 72207 Chm/CEO: Lex Golden, III Pres: Alex Golden Subsidiaries: Community State Bank Bradley, AR Bear State Financial Holdings, LLC Little Rock, AR RSSD Number: 4297853 VOICE: (501) 975-6033 FAX: (870) 365-8355 900 Shackleford, Suite 401 72211 Chm/CEO/Pres: Richard N. Massey COO: William Changose Subsidiaries: Bear State Financial, Inc. Bear State Bank Little Rock, AR Little Rock, AR Bear State Financial, Inc. Little Rock, AR RSSD Number: 3832015 VOICE: (501) 975-6033 FAX: (870) 365-8355 900 Shackleford, Suite 401 72211 Bank Holding Company Bear State Financial Holdings, LLC, Little Rock, AR Chm: Richard N. Massey CEO/Pres: James Matthew Machen Subsidiaries: Bear State Bank VChm: W. Dabbs Cavin VP/RMO: R. Thomas Fritsche, Jr. Little Rock, AR Arkansas State Bank Department 106 Capital Bancshares, Inc. Little Rock, AR RSSD Number: 2777016 VOICE: (501) 228-6000 FAX: (501) 228-6006 12224 Chenal Parkway P. O. Box 8210 72211 Chm: Warren Stephenson CEO/Pres: Kyle E. Patton EVP/CFO: Jeanette Nation Subsidiaries: The Capital Bank Little Rock, AR Little Rock Bankshares, Inc. Little Rock, AR RSSD Number: 2617082 VOICE: (501) 376-0800 FAX: (501) 374-7937 200 North State Street P. O. Box 34090 72203 Chm/CEO: Eugene L. Maris SVP: Kim Markland SVP/Cash: Lee A. Swearingen Sec: Stephen Plunkett Subsidiaries: Bank of Little Rock Bank of Little Rock Mortgage Corp. Hallmark National Mortgage Corp. Little Rock Mortgage Corp. Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Riverside Bancshares, Inc. Little Rock, AR RSSD Number: 2155342 VOICE: (501) 614-6161 FAX: (501) 614-6162 Pres: Stephen C. Davis Subsidiaries: Riverside Bank Arkansas Mortgage Company, Inc. Riverside Mortgage Company, Inc. 1001 W. Markham, 2nd Floor 72201 Sec: David Matchet Sparkman, AR Fayetteville, AR Little Rock, AR One Hundred and Third Report 107 Rock Bancshares, Inc. Little Rock, AR RSSD Number: 3770313 VOICE: (501) 663-3306 FAX: (501) 614-7832 One Information Way, Suite 300 72202 Chm: Matt Keil Pres: Judy Lawton Sec/Atty: Joseph W. Gregory Subsidiaries: Heartland Bank Heartland Insurance, LLC Montesano Investment, LLC Zwolle Investment, LLC Rock Bancshares Statutory Trust I Rock Bancshares Statutory Trust II Rock Capital Income Fund LLC Rock Service Company LLC Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR State Holding Company Little Rock, AR RSSD Number: 1100046 VOICE: (501) 223-3450 FAX: (501) 223-8008 650 South Shackleford, Suite 450 72211 Chm/CEO/Pres: Catherine H. Owen VChm: Harry L. Hastings, Jr. EVP: Laura Bogoslavsky EVP: Paul Castleberry Subsidiaries: Eagle Bank & Trust Company Eagle Development Company South State Mortgage Company Little Rock, AR Little Rock, AR Little Rock, AR Lonoke Bancshares, Inc. Lonoke, AR RSSD Number: 1491614 VOICE: (501) 676-3106 FAX: (501) 676-5046 Chm: Neil Bennett, Jr. CEO: David R. Estes 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 72086-0320 Sec: Karen Hardke Lonoke, AR Lonoke, AR Lonoke, AR Lonoke, AR Arkansas State Bank Department 108 Golden Oaks Bancshares, Inc. Magnolia, AR RSSD Number: 1098684 VOICE: (870) 234-5777 FAX: (870) 234-3384 500 North Jackson Street P. O. Box 340 71754-0340 Chm: Steven Clark Fincher Pres: Mary L. Fowler Sec: Sharon Gathright Subsidiaries: The Peoples Bank Magnolia, AR Magnolia Banking Corporation Magnolia, AR RSSD Number: 1135413 VOICE: (870) 235-7000 FAX: (870) 235-7008 200 East Main Street P. O. Box 250 71754-0250 Chm/CEO/Pres: Bob L. Burns EVP/Sec: Bruce D. Maloch EVP: Chris Gosnell EVP/CFO: Drew Chandler Subsidiaries: Farmers Bank and Trust Company Magnolia Properties, Inc. Magnolia Statutory Trust I First National Hempstead Statutory Trust I Magnolia, AR Magnolia, AR Magnolia, AR Hartford, CT FCB Financial Services, Inc. Marion, AR RSSD Number: 3123339 VOICE: (870) 739-7300 FAX: (870) 739-7379 Pres: M. Don Underwood EVP/CFO: Brenda Eldridge Subsidiaries: First Community Bank of Eastern Arkansas 205 Block Street P. O. Box 747 72364 Sec: Frank A. Fogleman Marion, AR One Hundred and Third Report 109 Tyronza Bancshares, Inc. Marked Tree, AR RSSD Number: 1139783 VOICE: (870) 358-6000 FAX: (870) 358-6001 214 Hester Parker Drive P. O. Box 635 72365-0635 Chm: Herrick F. Norcross, III Pres: Chris M. Lehman Subsidiaries: First Delta Bank Marked Tree, AR M. D. Thompson & Son Co. McCrory, AR RSSD Number: 1094967 VOICE: (870) 731-2526 FAX: (870) 731-2527 105 South Edmonds Avenue P. O. Box 388 72101-0388 CEO: Brenda Thompson Pres/Sec: Vance Thompson CFO/VP: Brooke T. Cavitt Subsidiaries: Bank of McCrory McCrory, AR First National Financial Corporation McGehee, AR RSSD Number: 3386880 VOICE: (870) 222-3880 FAX: (870) 222-4853 CEO/Pres: Robert E. Lucky, Sr. Subsidiaries: First NaturalState Bank Milner/Owyoung Insurance Co., LLC 500 North Second Street 71654 EVP/COO: Jim Daniels McGehee, AR McGehee, AR Arkansas State Bank Department 110 McGehee Bank Employee Stock Ownership Plan McGehee, AR RSSD Number: 3487965 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd Street P. O. Box 787 71654 Chm: William W. Bowman CEO/Pres: James M. Smith VChm: John H. Potter Subsidiaries: Southeast Financial Bankstock Corporation McGehee Bank McBank Realty McGehee, AR McGehee, AR McGehee, AR Southeast Financial Bankstock Corporation McGehee, AR RSSD Number: 1096662 VOICE: (870) 222-3151 FAX: (870) 222-6159 301 North 2nd Street P. O. Box 787 71654-0787 Bank Holding Company McGehee Bank Employee Stock Ownership Plan, McGehee, AR Chm: William W. Bowman CEO/Pres: James M. Smith VChm: John H. Potter, Jr. Subsidiaries: McGehee Bank McBank Realty McGehee, AR McGehee, AR Union Bankshares, Inc. Mena, AR RSSD Number: 1099805 VOICE: (479) 394-2211 FAX: (479) 394-3809 Chm: John Stevenson CEO/Pres: Philip B. Hensley Subsidiaries: The Union Bank of Mena Union Bankshares Statutory Trust I The First National Bank at Paris 303 Hwy 71 North P. O. Box 898 71953-0898 VChm: David Maddox EVP/CFO: Michael D. Myers Mena, AR Mena, AR Paris, AR One Hundred and Third Report 111 Drew Bancshares, Inc. Monticello, AR RSSD Number: 1098198 VOICE: (870) 367-2025 FAX: (870) 367-1151 212 West Gaines P. O. Box 150 71657-0150 Chm/CEO: Bennie Ryburn, III Pres: George T. Harris SVP/Sec: Rusty Smith Subsidiaries: Commercial Bank & Trust Company Monticello, AR First Union Financial Corporation Monticello, AR RSSD Number: 1098880 VOICE: (870) 460-6400 FAX: (870) 460-6465 102 West McCloy P. O. Box 270 71657-0270 Chm Emer: Zach McClendon, Jr. Chm/CEO: John S. McClendon Pres: Dave Dickson Treas/Sec: Robin McClendon Subsidiaries: Union Bank And Trust Company First Union Statutory Trust 1 Monticello, AR Monticello, AR Petit Jean Bancshares, Inc. Morrilton, AR RSSD Number: 2877402 VOICE: (501) 354-4988 FAX: (501) 354-6560 707 North Saint Joseph Street P. O. Box 680 72110 Pres: Charles S. Penick Subsidiaries: Petit Jean State Bank Morrilton, AR Arkansas State Bank Department 112 Stone Bancshares, Inc. Mountian View, AR RSSD Number: 4928344 VOICE: (870) 269-7311 FAX: (870) 269-7312 802 East Main Street P. O. Box 2750 72560 Chm/Pres: Kevin Compton EVP: Marnie Oldner CFO: Stephen T. Ragland Sec: Pam Sutton Subsidiaries: Stone Bank Mountain View, 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. Treas: Pat Davis Sec: Leslie Lowery Subsidiaries: M & P Community Bancshares, Inc. Merchants & Planters Bank M & P Insurance & Investment Services, Inc. M & P Community Statutory Trust II Newport, AR Newport, AR Newport, AR Newport, AR M & P Community Bancshares, Inc. Newport, AR RSSD Number: 1491306 VOICE: (870) 523-3601 FAX: (870) 523-3473 120 Hazel Street P. O. Box 650 72112-0650 Bank Holding Company M & P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan, Newport, AR Chm/CEO: Jim S. Gowen, Sr. Pres/COO: Jim S. Gowen, Jr. Subsidiaries: Merchants & Planters Bank M & P Insurance & Investment Services, Inc. Treas: Pat Davis Sec: Leslie Lowery Newport, AR Newport, AR One Hundred and Third Report 113 Piggott Bankstock, Inc. Piggott, AR RSSD Number: 1098321 VOICE: (870) 598-3802 FAX: (870) 598-2026 Chm: Steve Bell 212 West Cherry Street P. O. Box 307 72454-0307 CEO/Pres: Cody Knight Subsidiaries: Piggott State Bank Piggott, AR Simmons First National Corporation Pine Bluff, AR RSSD Number: 1094828 VOICE: (870) 541-1000 FAX: (870) 850-2685 Chm/CEO: George A. Makris, Jr. EVP: Marty Casteel 501 Main Street P. O. Box 7009 71601-4327 EVP/CFO: Robert A. Fehlman EVP/ATTY: Patrick Burrow Subsidiaries: Simmons Bank PGR, LLC REO Holding I, LLC REO Holdings II, LLC Simmons First Insurance Services, Inc. Simmons First Investment Group, Inc. Simmons First REIT of MO, LLC Simmons First REIT of TN, LLC Big Creek Investors, LLC MU Investment Property, LLC Simmons First Investments, Inc. FSB Insurance, Inc. Venture Holding Company, LLC First State Providence PCC of Grenada, LLC Simmons First Auto, Inc. Simmons First Insurance Services of TN, LLC Simmons First Properties, Inc. Simmons First Special Assets, Inc. Simmons First Mortgage Company Liberty Capital Trust III Community First Statutory Trust II Community First Statutory Trust III Liberty Capital Trust IV Liberty Capital Trust V Simmons First Capital Trust II Simmons First Capital Trust III Simmons First Risk Management, Inc. First South Bank Pine Bluff, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Little Rock, AR Baltimore, MD Baltimore, MD Sedalia, MO St. Louis, MO Las Vegas, NV Jackson, TN Jackson, TN Union City, TN Union City, TN Union City, TN Union City, TN Union City, TN Pine Bluff, AR Hartford, CT Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Wilmington, DE Las Vegas, NV Jackson, TN Arkansas State Bank Department 114 Prescott Bancshares, Inc. Prescott, AR RSSD Number: 2236586 VOICE: (870) 887-2688 FAX: (870) 887-6822 East Second at Main P. O. Drawer 490 71857-0490 Pres: John Warren Brannan, Jr. EVP: Gary McCauley Treas/Sec: Karen McLelland Subsidiaries: Bank of Prescott Prescott, AR Sigma Holdings, Inc. Rison, AR RSSD Number: 4512378 VOICE: (501) 847-3440 FAX: (501) 847-3452 112 Main Street P.O. Box 345 71665 CEO: Troy Duke Subsidiaries: Gateway Bank Rison, AR First State Banking Corporation Russellville, AR RSSD Number: 1096448 VOICE: (479) 498-2402 FAX: (479) 498-2465 Chm/CEO: Charles Blanchard Pres: Chip Blanchard Subsidiaries: First State Bank Nimrod Real Estate, Inc. FSB Capital Trust II FSB Capital Trust lll 3103 East Main Street P. O. Box 10610 72812 EVP: Toni B. Laws CFO/Sec: Andrea Nicholson Russellville, AR Russellville, AR Russellville, AR Russellville, AR One Hundred and Third Report 115 First Security Bancorp Searcy, AR RSSD Number: 1096505 VOICE: (501) 279-3401 FAX: (501) 279-3486 314 North Spring P. O. Box 1009 72145-1009 Chm/CEO/Pres: Reynie Rutledge Subsidiaries: First Security Bank UFS, Inc. Peoples Real Estate Management Co. First Security Investment Advisors, Inc. First Security Real Estate Management, Inc. FNBS Investments Inc. Crews & Associates, Inc. First Security Finance, Inc. Eastview of NWA, LLC First Security Fund Advisors, Inc. Torrent Fire Co. #4 LLC Union Air LLC Cheyenne Aircraft LLC Crews Dissemination Services, Inc. Crossfirst Holding, LLC Searcy, AR Benton, AR Mountain Home, AR Searcy, AR Searcy, AR Las Vegas, NV Little Rock, AR Little Rock, AR Searcy, AR Searcy, AR Searcy, AR Searcy, AR Wilmington, DE Leawood, KS Leawood, KS Peoples Bancorp, Inc. Sheridan, AR RSSD Number: 4639435 VOICE: (870) 942-5707 FAX: (870) 942-2489 Chm: Al Upton CEO: John D. Manatt Subsidiaries: Peoples Bank 1120 S. Rock Street P.O. Box 460 72150 Pres: Craig L. Manatt Sec: James W. Lancaster Sheridan, AR Arkansas State Bank Department 116 Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 708 North Broadway P. O. Box 107 71762-0107 Chm: J. Drew Tennyson Pres: James B. Yeager Subsidiaries: Smackover State Bank Smackover, AR Mathias Bancshares, Inc. Springdale, AR RSSD Number: 1951172 VOICE: (479) 750-9100 FAX: (479) 750-0953 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 CEO/Pres/Sec: Craig Young Subsidiaries: United Bank 2790 South Thompson Street, Suite 102 72764-6354 CFO/Treas: Karla Baker Springdale, AR One Hundred and Third Report 117 Bodcaw Bancshares, Inc. Stamps, AR RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 307 Thomas Street P. O. Box 8 71860-0008 Chm/CEO/Sec: Scott Hultberg Subsidiaries: Bodcaw Bank Stamps, AR Star City Bancshares, Inc. Star City, AR RSSD Number: 1131723 VOICE: (870) 628-4286 FAX: (870) 628-5274 116 North Lincoln P. O. Drawer 69 71667-0069 Chm/CEO: Marion Burge Ryburn Subsidiaries: Bank of Star City Star City, AR The Farmers and Merchants Bankshares, Inc. Stuttgart, AR RSSD Number: 1099672 VOICE: (870) 673-6911 FAX: (870) 672-4282 Chm: Roy O. McCollum, III Subsidiaries: The Farmers and Merchants Bank Bankshares of Fayetteville Statutory Trust 1 708 South Main P. O. Box 1010 72160-1016 CEO/Pres: Gary Hudson Stuttgart, AR Fayetteville, AR Arkansas State Bank Department 118 Bradley Bancshares, Inc. Warren, AR RSSD Number: 1097463 VOICE: (870) 226-2601 FAX: (870) 226-2253 104 South Main Street P. O. Box 29 71671-0029 Chm: Bennie Ryburn, III Pres: Freddie M. Mobley Subsidiaries: First State Bank of Warren Warren, AR Evolve Bancorp, Inc. West Memphis, AR RSSD Number: 1142411 VOICE: (901) 624-5500 FAX: (901) 624-5540 Chm: Scot Lenoir 301 Shoppingway Blvd. 72301 Sec: Scott Stafford Subsidiaries: Evolve Bank & Trust West Memphis, AR Cross County Bancshares, Inc. Wynne, AR RSSD Number: 1131611 VOICE: (870) 238-8171 FAX: (870) 238-4052 Chm: Dr. Willard G. Burks CEO/Pres: David Dowd Subsidiaries: Cross County Bank CCB Real Estate Holdings, Inc. CCB-EAT, LLC Janus Title, LLC 1 Cross County Plaza P. O. Box 9 72396-0009 Treas/Sec: Shelia Roberts Wynne, AR Wynne, AR Wynne, AR Wynne, AR ABBREVIATIONS Chm: Chm Emer: CEO: VChm: Pres: Reg Pres: EVP: SVP: CAO: CBO: CCO: CFO: CLO: COO: AdmVP: EO: VP: SLO: Cash: Cont: AVP: RMO: Aud: TO: ATO: Treas: Sec: Atty: Chairman of the Board Chairman Emeritus Chief Executive Officer Vice Chairman President Regional President Executive Vice President Senior Vice President Chief Administrative Officer Chief Banking Officer Chief Credit Officer Chief Financial Officer Chief Lending Officer Chief Operating Officer Administrative Vice President Executive Officer Vice President Senior Loan Officer Cashier Controller Assistant Vice President Risk Management Officer Auditor Trust Officer Assistant Trust Officer Treasurer Secretary Attorney 120 Arkansas State Bank Department NOTES One Hundred and Third Report NOTES 121 122 Arkansas State Bank Department NOTES
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