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http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Seventy-Eighth Annual  REPORT OF THE BANK COMMISSIONER   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  JUNE 30, 1992  A rkansas S tate Bank D epartm ent  STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 1992 Honorable Bill Clinton Governor of Arkansas Little Rock, Arkansas Governor Clinton: I, Bank Commissioner Bill J. Ford, hereby submit for your information and consideration the Seventy-Eighth Annual Report of the Bank Commissioner of Arkansas pursuant to the provisions of Act 113 of 1913. The financial and statistical data contained in this report has been compiled from Reports of Condition and Income and other regulatory reports submitted to this office for the fiscal year ending June 30, 1992. The Department supervised 185 financial institutions as of June 30, 1992, including 180 state chartered commercial banks, two trust companies, two industrial loan institutions, and one non-profit corporation. The assets of all institutions supervised totaled $11,564,524,000 at fiscal year end with $11,507,522,000 representing the total assets of the state chartered commercial banks, a 13.19 percent increase over the $10,166,899,000 reported one year ago. In addition to the institutions noted above, the Department also supervised 126 bank holding companies which own state chartered banks, and 79 trust departments operated by state chartered banks. One new bank, First Community Bank, Conway, was chartered as a result of an application filed by local investors. Another new charter, Bank of Hot Springs, Hot Springs, resulted from its conversion from a national bank. Six other new banks, Citizens Bank of Northwest Arkansas, Fayetteville; Greers Ferry Lake State Bank, Heber Springs; First State Bank, Huntsville; Citizens First Bank, Little Rock; Peoples Bank, Paragould; and First Western Bank and Trust Company, Rogers, resulted from the emergency acquisition of failed financial institutions or their branches. Thirty-one applications for the establishment of new branch bank facilities were approved with twentythree resulting from the failure of other financial institutions. No state chartered bank failure occurred during the fiscal year. The mission of the State Bank Department through Quality Management is to allocate available resources existing in our Examination, Data Processing, and Administrative Services Divisions to implement an effective bank regulatory program. The Department has been and will continue to be an advocate of banking in the implementation of this program. Our primary focus is to ensure the continuance of safe and sound financial practices in state chartered banking institutions. It would follow that the financial services offered by these sound institutions should foster economic growth and meet the public demand for these services in their communities. To accomplish this mission, the Department is committed to the development of its staff through economic rewards and the availability of a work environment Digitized foreducation, FRASER conducive to high productivity. http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  S eventy-E ighth Report  The State Bank Department maintains a Strategic Plan which the Department's employees develop on an annual basis as a part of our Quality Management program. The Plan details the goals and objectives to be applied in satisfying legislative mandates. They encompass every facet of the Department's operation and are intended to reflect increased productivity and a more efficient and enhanced utilization of our resources for both current and anticipated needs in serving the citizens of Arkansas. We at the Department 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 and in the fulfillment of the mission of the Department. Cordially, Bill J. Ford Bank Commissioner   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  S eventy-E ighth Report  TABLE OF CONTENTS Legal H olidays......................................................................................................2 Commissioners of The Bank Department  .......................................................3  State Banking B o a rd ........................................................................................... 4 Departmental R o ste r........................................................................................... 5 New Bank Charters Approved  ......................................................................... 8  New Branches A p p ro ve d ....................................................................................9 Fiscal Report of The Bank D epartm ent.......................................................... 12 Federal Supervisory A g encies..........................................................................13 Trade Associations............................................................................................ 18 Consolidated Report of Condition of State Chartered Banks ...............................................................................20 Consolidated Statement of State Chartered Trust D epartm ents............................................................... 21 Consolidated Report of Condition of National Banks ................................................................................................. 22 Capital to Asset R a tio s .................................................................................... 23 National Banks  ................................................................................................. 28  Report of State Chartered Commercial Banks  .............................................32  Report of Other State Chartered Financial In stitutions....................................................................................... 124 Commercial Banks Listed by County  .......................................................... 128  Bank Holding Com panies............................................................................... 136 Abbreviations  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  178  2  A rkansas S ta te Bank D ep a rtm e n t  LEGAL HOLIDAYS New Year's  ......................................................................................... January 1  Robert E. Lee's B ir th d a y ............................... . . . Third Monday in January  Martin Luther King's B irth d a y ................... . . . . Third Monday in January  George W ashington's B ir th d a y ................. . . .  Third Monday in February  Memorial D a y ............................................... .................Last Monday in May  Independence Day ....................................... ..........................................July 4  Labor Day  ..................................................... . . . First Monday in September  Veteran's Day . ............................................. ............................  Thanksgiving Day  November 11  ....................................... . Fourth Thursday in November  Christmas E v e ............................................... ...............................December 24  Christmas Day  ............................................. ...............................December 25  All Bills of Exchange, Drafts, or Promissory Notes, which shall become payable in 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.  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  3  S eventy-E ighth Report  COMMISSIONERS OF THE ARKANSAS STATE BANK DEPARTMENT No.  Date of Appointment  Name  Date Service Ended  1.  John M. Davis  .... . . .  October 6, 1913  October 3, 1918  2.  A. J. R e a p ................. . . .  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 1 2, 1937  January 14, 1941  9.  Thomas W. Leggett . . .  January 14, 1941  February 1, 1949  10.  S. J. D e a n ................. . . . February 1, 1949  11.  Ed. I. McKinley, Jr.  12.  A. R. M e r r it t .............. . . . . March 14, 1953  February 8, 1955  13.  Dick Simpson . . . . . . . . February 8, 1955  March 2, 1967  14.  H. C. McAdams  15.  Don R. Clark (Acting) . . . . March 16, 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. F o r d ................. . . .   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  . . December 3 1 ,1 9 4 9  . . . . . . .  March 3, 1967  October 1, 1987  December 31, 1949 March 14, 1953  March 16, 1979 April 19, 1979  Arkansas S tate Bank D epartm ent  4  STATE BANKING BOARD MEMBERS  Mr. Larry G. Nelson Peoples Bank & Trust Co. Drawer B Mountain Home, Arkansas 72653 TELEPHONE: 425-2166 TERM EXPIRES 12-31-92  Mr. Gary D. Reinboth Chairman 21 Razorback Road Rogers, Arkansas 72756 TELEPHONE: 273-3334 TERM EXPIRES: 12-31-93  Mr. T. E. Patterson 5520 W. 30th Street Little Rock, Arkansas 72204 TELEPHONE: 375-4611 TERM EXPIRES: 12-31-93  Mr. Bob Willett Vice Chairman Smackover State Bank P. 0. Drawer 107 Smackover, Arkansas 71762 TELEPHONE: 725-3051 TERM EXPIRES: 12-31-94  Mr. Lindley V. Smith, Jr. Bank of Tuckerman P. 0. Box 700 Tuckerman, Arkansas 72473 TELEPHONE: 349-5155 TERM EXPIRES: 12-31-95  Mr. Robert Hill P. 0. Box 385 Perryville, Arkansas 72126 TELEPHONE: 889-51 16 TERM EXPIRES: 12-31-96   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  S eventy-E ighth Report  Arkansas State Bank Department Tower Building, Suite 500 323 Center Street Little Rock, Arkansas 72201-2613 (501)324-9019 FAX (501)324-9028  DEPARTMENTAL ROSTER Bill J. Ford - Bank Commissioner  EXAMINATION AND SUPERVISION DIVISION Gregory M. Stewart - Chief Examiner -  Regulatory Examinations Regulatory and Banking Procedures Bank Performance Evaluation and Monitoring Division Personnel Recruitment  Luther Guinn - Assistant Chief Examiner -  Brenda J. Jones - Jr. EDP Examiner H. Wilks Marshall - Field Supervisor (Commercial) Thomas M. Narrell - Field Supervisor (Trust/Compliance) Diane Wright - Field Supervisor (Commercial)  Larry M. Hillyard - Assistant Chief Examiner -  Carolyn J. Bearden - Field Supervisor (BFIC) Steve L. Bryan - Field Supervisor (Commercial) Richard D. Buzbee - Field Supervisor (Commercial) John B. Frazer - Field Supervisor (Commercial)  Janet Griebel - Bank Training and Examination Services Manager - Training/Education - Administrative Support  ENFORCEMENT AND ECONOMIC DEVELOPMENT DIVISION Don R. Clark - Assistant Bank Commissioner - Regulatory Enforcement Actions - Economic Development - Consumer Complaints - State Banking Board - Quality Management Coordinator   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  5  A rkansas State Bank D epartm ent  6  CORPORATE AND ADMINISTRATION DIVISION Ronny A. Clay - Assistant Bank Commissioner Jacqulin J. Dicus - Director of Administrative Services - Accounting and Employee Services - Expense Disbursements - Budget and Personnel - Physical Plant and Equipment - Administrative Support - Performance Evaluation - Division Personnel Recruitment Candace A. Franks - Attorney - Application Information - Rules and Regulations Manual - Charter Amendments and Charter Information - Certificates of Good Standing - Legal Filings and Inquiries Julian E. Rainey - Financial Analyst John R. French - Financial Analyst - Self Examination - Reports of Condition and Income - Research and Financial Analysis - Public Information Requests Beth A. Wallis - Data Center Administrator Mitch L. Vire - Systems Programmer - Data Processing Support - Research and Development - Application Programming   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  S eventy-E ighth Report  EXAMINATION PERSONNEL BANK SENIOR EXAMINER Tim Beaver H. R. "Chip" Dortch, Jr. (Trust/Compliance) Ted Finkbeiner James M. Franklin, Jr. John Long Bill Milum  Baker Moseley Gary Oltmann M. Gregg Qualls Marivel Tounzen Kent T. Williamson Luke B. Webre  FINANCIAL EXAMINER II Cindy Clanton (T rust/Compliance) Judy L. Cornett Jerry Corrothers  Jaqueline Dye Sykes Harvey R. D. Jackson Joe Bill Yee  FINANCIAL EXAMINER I Benjamin F. Bigger, III Mary C. Pennebaker W. Chris Roberts  Michael G. Saunders Blake W. Whitley Chris C. Wilson  FINANCIAL EXAMINER TRAINEE Patricia M. Arendale John W. Ashby Robert M. Henry John A. Menotti Michael R. Moers Jason R. Nier Jack M. Otten  Richard S. Plotkin Gene W. Porter, Jr. Rob L. Robinson Charles M. Stoddard Eric Townsend Paula K. Wilson  ACCOUNTING STAFF Patricia L. Wallis - Accounting Supervisor Lisa K. Phillips - Accountant  SUPPORT STAFF Mindy Beaver - Administrative Assistant II Jane R. English - Administrative Assistant Lori A. Farr - Legal Secretary Martha A. Harris - Secretary II Cynthia L. Nixon - Administrative Assistant II Brenda L. Strachan - Management Project Analyst Joy L. Thomas - Secretary II  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  8  Arkansas S tate Bank D epartm ent  NEW BANK CHARTERS APPROVED   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  FIRST COMMUNITY BANK 1001 Front Street P.O. Box 938 Conway, Arkansas 72032-0938 (New bank charter approved July 20 1991.) CITIZENS BANK OF NORTHWEST ARKANSAS 3500 North College P.O. Box 1407 Fayetteville, Arkansas 72702-1407 (New bank charter (EMERGENCY) approved August 16, 1991.) GREERS FERRY LAKE STATE BANK 421 West Main Street P.O. Box 970 Heber Springs, Arkansas 72543-0970 (New bank charter (EMERGENCY) approved July 26, 1991.) BANK OF HOT SPRINGS Grand and Central P.O. Box 1799 Hot Springs, Arkansas 71902-1799 (Conversion from national charter approved August 15, 1991.) FIRST STATE BANK Highway 68 West P.O. Box 667 Huntsville, Arkansas 72740-0667 (New bank charter (EMERGENCY) approved July 26, 1991.) CITIZENS FIRST BANK 320 West Capitol P.O. Box 1951 Little Rock, Arkansas 72201-1951 (New bank charter (EMERGENCY) approved September 6, 1991.)  S eventy-E ighth Report  9  PEOPLES BANK 300 West Emerson P.0. Box 490 Paragould, Arkansas 72451-0490 (New bank charter (EMERGENCY) approved September 13, 1991.) FIRST WESTERN BANK AND TRUST COMPANY West Walnut and Rife Drive P.O. Box 749 Rogers, Arkansas 72756-0749 (New bank charter (EMERGENCY) approved July 26, 1991.)  NEW BRANCHES APPROVED NAME OF BANK  NEW BRANCH LOCATION  Merchants & Planters Bank & Trust Company Arkadelphia  105 Caddo Street Arkadelphia  First State Bank Beebe  6929 John F. Kennedy Blvd North Little Rock  Benton State Bank Benton  Main and Military Benton  American State Bank Charleston  89 Phoenix Village Fort Smith  Arkansas State Bank Clarksville  708 West Main Clarksville  Bank of Delight Delight  106 East 2nd Street Prescott  First Commercial Bank of Lonoke County England  106 South Second Street Cabot  Mcllroy Bank & Trust Fayetteville  1164 East Joyce Street Fayetteville  Citizens Bank of Northwest Arkansas Fayetteville  2000 West Walnut Rogers  Greers Ferry Lake State Bank Heber Springs  Thriftw ay Shopping Center Clinton   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  10  A rkansas S tate Bank D epartm ent  NAME OF BANK  NEW BRANCH LOCATION  Heber Springs State Bank Heber Springs  Lakewood Village Mall Fairfield Bay  Bank of Hot Springs Hot Springs  5501 Central Avenue Hot Springs  Bank of Hot Springs Hot Springs  3021 Malvern Avenue Hot Springs  The Arkansas Bank Jonesboro  124 South 15th Street Paragould  The Arkansas Bank Jonesboro  264 North Third Street Piggott  Citizens Bank Jonesboro  2500 East Highland Drive Jonesboro  Citizens First Bank Little Rock  650 South Shackleford, Suite 150 Little Rock  Citizens First Bank Little Rock  101 Pharr Maumelle  MidSouth Bank Monette  500 Drew Street Monette  Bank of Mountain View Mountain View  Main and Oak Streets Mountain View  Pike County Bank Murfreesboro  202 West Bishop Nashville  Bank of Little Rock North Little Rock  5600 R Street Little Rock  The Twin City Bank North Little Rock  10 Crestview Plaza Jacksonville  The Twin City Bank North Little Rock  8008 Geyer Springs Road Little Rock  Bank of Ozark Ozark  2001 West Commercial Ozark  Peoples Bank Paragould  Highway 49 North & Sikes Rd Rector  Smackover State Bank Smackover  125 West 5th El Dorado   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  1  S eventy-E ighth Report  NAME OF BANK  NEW BRANCH LOCATION  Springdale Bank and Trust Springdale  3950 West Sunset Avenue Springdale  Bank of Star City Star City  2201 East harding Pine Bluff  First State Bank Warren  400 North Main Warren  Bank of West Memphis West Memphis  125 West Broadway West Memphis   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  12  A rkansas S ta te Bank D epartm ent  The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 1991 through June 30, 1992.  RECEIPTS Cash Balance June 30, 1991 Examination and Assessment Fees Charter and Amendment Fees . . Teller's Facility Application and all Protest F e e s ................... Miscellaneous Fees ...................... Reimbursement for M & R Sales . Warrant C ancellations................... Refund to Expenditure .................  $1,065,296.18 3,2 4 9,0 2 0.6 9 . . 9,720.00 . . . .. ..  45,0 75 .0 0 10,482.16 14,797.97 . . 964.58 3,8 4 1.7 4  3 .3 3 3.9 0 2.1 4 4 ,3 9 9,1 9 8.3 2  DISBURSEMENTS S a la rie s .......................................................... 1,878,903.88 Maintenance and General O p e ra tio n s ........... 6 99 ,826.56 S.S., Retirement and Insurance Matching ........................................................ 431 ,29 2 .04 Professional Services and F e e s ...................... 55,225.88 Conference Fees and T r a v e l............................ 121,437.89 Capital O u tla y ..................................................... 116,367.95 Data Processing .................................................. 7,505.71 Proceeds from M & R .......................................... 8,553.46 Service Charged by State T re a su re r.............. 49,557.23 Total Disbursements Cash Balance June 30, 1992   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  3 ,3 6 8,6 7 0.6 0 1.030.527.72 4,3 9 9,1 9 8.3 2  13  S eventy-E ighth Report  FEDERAL DEPOSIT INSURANCE CORPORATION Memphis Regional Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 Telephone Number: (901)685-1603 Fax Number: (901) 685-1846 Fax Number: (901)682-5110 Bill C. Houston . . . James F. Benner . . Joseph M. McGovern Ronny G. Parham . Sylvia J. Horne . . . Phillip H. Schwartz .  ................ Regional Assistant Regional Assistant Regional Assistant Regional Assistant Regional ................ Regional  Director Director Director Director Director Counsel  Little Rock Field Office 3805 McCain Park Drive, Suite 112 North Little Rock, Arkansas 72116 P. 0. Box 16355 Telephone Number: (501) 758-7676 Fax Number: (501) 758-8095 Larry T. Tadlock  .................................. ................. Field Office Supervisor  Memphis Field Office Building D, Suite 275 1355 Lynnfield Road Memphis, Tennessee 38119 Telephone Number: (901) 763-1775 Fax Number: (901) 763-4163 William W. Q u in n .................................................... Field Office Supervisor  Shreveport Field Office 1914 Citizens Drive Bossier City, Louisiana 71111 Telephone Number: (318) 746-8283 Fax Number: (318)742-2451 Don R. Turner   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Field Office Supervisor  14  Arkansas S tate Bank D epartm ent  FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 411 Locust Street P. 0. Box 442 St. Louis, Missouri 63166 Telephone Number: (314) 444-8444 Thomas C. Melzer ..................... ..................................................  President  James R. B o w e n ........................ .................................. First Vice President William G. D e w a lcl..................... .............................  Senior Vice President  Henry H. Bourgaux  .................. .............................  Senior Vice President  .......................... .............................  Senior Vice President  Joan P. Cronin Mary H. Karr  Richard E. Kay  .............................. ..........................................Vice President General Counsel and Secretary ..........................  Valuables Processing  James R. K enned y..................... .......................................... Vice President Information Systems Jean M. Lovati  .......................... .......................................... Vice President Payments  Martha L. Perine ........................ ..........................................Vice President Financial Services and Human Resources Michael D. Renfro ..................... ....................................... General Auditor Audit Kristi D. S h o rt............................. ..........................................Vice President Customer Support and Electronic Services William J. S n e e d ........................ ..........................................Vice President Support Services Randall C. S u m n e r..................... ..........................................Vice President Credit, Community Affairs and Contingency Planning   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  15  S eventy-E ighth Report  FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8  Little Rock Branch 325 West Capitol Avenue P. 0. Box 1261 Little Rock, Arkansas 72203 Telephone Number: (501)324-8300 Karl W. Ashman  ..........................................Vice President and Manager  Thomas R. Calloway  .................................. .. . Assistant Vice President  David T. Rennie.................................................  Assistant Vice President  Memphis Branch 200 North Main Street P. 0. Box 407 Memphis, Tennessee 38101 Telephone Number: (901) 523-7171 Raymond Laurence....................................... Vice President and Manager A. C. Cremerious, J r................... John P. Baumgartner   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  .......... ..  Assistant Vice President Assistant Vice President  16  A rkansas S tate Bank D epartm ent  COMPTROLLER OF THE CURRENCY Southwestern District Office 500 N. Akard 1600 Lincoln Plaza Dallas, Texas 75201-3394 Telephone Number (214) 720-0656 Fax Number: (214) 720-7098 Dean S. M a r r io t t ............................................................... Deputy Comptroller John A. B o d n a r............................................................. Patrick Parise  District Administrator  ........................................................................... District Counsel  Thomas M. B ly e d b a l.............................................Director for Administration Edward Graves Jerry H. Corn  ................................................................ Director for Analysis ..................................................  William J. Suman  .........................  Director for Bank Supervision  Director for Regional Bank Supervision  Little Rock Duty Station 10201 W. Markham, Suite 105 Little Rock, Arkansas 72205 Telephone Number: (5 0 1 )2 2 5 -7 2 2 8 Fax Number: (501) 225-2711 Larry W in t e r .................................................................................  Field Manager  F. Christian D u n n ........................................................................  Field Manager  Oklahoma City Field Office 301 N. W. 63rd Street, Suite 290 Oklahoma City, Oklahoma 73116 Telephone Number: (405) 848-8095 Fax Number: (405) 843-0961 Kenneth I. Myers   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Field Office Director  S eventy-E ighth Report  17  COMPTROLLER OF THE CURRENCY  Southeastern District Office Marquis One Tower, Suite 600 245 Peachtree Center Avenue, N.E. Atlanta, Georgia 30303 Telephone Number: (404) 659-8855 Fax Number: (404) 588-4532 Clifton A. Poole, Jr. .  .......... Deputy Comptroller  Robert V. Ahrens . . .  . . . District Administrator  H. Gary Pannell . . . .  ................District Counsel  William J. Abernathy  Director for Bank Analysis  James P. B u f f ..........  Director for Administration  A. Duncan McFarlane  Director for Regional Banks  Central Field Office Marquis One Tower, Suite 600 245 Peachtree Center Avenue, N.E. Atlanta, Georgia 30303 Vernon E. Fasbender   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Field Office Director  18  Arkansas S tate Bank D epartm ent  ARKANSAS BANKERS ASSOCIATION Suite 1027, 221 W. Second Street Little Rock, Arkansas 72201 Telephone Number: (501)376-3741 Fax Number: (501) 376-9243 H. C. C a rv ill............................................................. . . . Executive Director Floyd L. Parker ....................................................... President & Chief Executive Officer The Malvern National Bank, Malvern W. D. Glover .......................................................... . . . First Vice President Chairman & Chief Executive Officer First National Bank of Eastern Arkansas, Forrest City Wayne C la rk ............................................................. . Second Vice President Chairman & Chief Executive Officer Fist National Bank, Berryville Loyd S w o p e ............................................................ ..................... Chairman, President & Chief Executive Officer Bank of Lincoln, Lincoln  Treasurer  YOUNG BANKER SECTION OFFICERS Harvey Williams ..................................................... ..................... Assistant Vice President Simmons First National Bank, Pine Bluff Greg A n g e l............................................................... Assistant Vice President First National Bank, Searcy  President  Senior Vice President  David Falconer ....................................................... ............. Vice President Trust Officer Worthen National Bank, Little Rock Richard Munoz ....................................................... ..................... Branch Manager City National Bank, Fort Smith Mark K. T u r n e r ................................ Assistant Vice President The Malvern National Bank, Malvern   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Secretary  Education Coordinator  S eventy-E ighth Report  19  ARKANSAS INDEPENDENT BANKERS ASSOCIATION P. O. Box 206 Hot Springs, Arkansas 71951-0206 Telephone Number: (501) 525-1634 Fax Number: (501) 525-0637 Richard G. T ra m m e l........................................... . . . .  Executive Director  Ross S t o u t ....................................................... President & Chief Executive Officer Arkansas State Bank, Siloam Springs Pete Maris ....................................................... .................. Vice President Chairman & Chief Executive Officer Bank of Little Rock, North Little Rock James M. Park ................................ President & Chief Executive Officer Bank of Cabot, Cabot  ............. ..........................  Secretary  Max O. T a y lo r.................................................... .......................... Chairman & Chief Executive Officer Smackover State Bank, Smackover  Treasurer  Arkansas Association of Bank Holding Companies Suite 1020 Boyle Building Little Rock, Arkansas 72201 Telephone Number: (501)374-2020 Fax Number: (501)374-7334 Charlotte M a y ...............................................................  Executive Director  John T. Hampton ...................................................................... President & Chief Executive Officer First Western Bancshares, Inc., Booneville  Chairman  Michael M u rp h y.................................................................... Vice Chairman President & Chief Executive Officer Fidelity National Bank of West Memphis, West Memphis James R. H a ll ............................................................................... Chairman, President & Chief Executive Officer Dumas State Bank, Dumas  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Treasurer  A rkansas S ta te Bank D epartm ent  20  CONSOLIDATED REPORT OF CONDITION OF THE 180 STATE CHARTERED COMMERCIAL BANKS June 30, 1992 (000's omitted) ASSETS 1. Cash and Balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ............$476,411 b. Interest-bearing balances .........................................................219,707 2. Securities ..................................................................................... 4,527,422 3. a. Federal funds so ld ..................................................................... 252,576 b. Securities purchased under agreement to resell.......................... 5,601 4. Loans and lease financing receivables: a. Loans and lease, net of unearned income .......................... 5,678,234 b. Less: Allowances for loan and losses ........................................ 88,269 c. Less: Allocated transfer risk reserve....................................................0 d. Loans and lease, net of unearned income allowance, and reserve ........................................................... 5,589,965 5. Assets held in trading accounts................................................................299 6. Premises and Fixed Assets (including capitalized lease) ...................171,941 7. Other real estate owned ..................................................................... 45,432 8. Investments in unconsolidated subsidiaries and associated companies .................................................................2,325 9. Customers liability to this bank onacceptances outstanding...........................0 10. Intangible assets ................................................................................. 36,665 11. Other assets...................................................................................... 179,178 12. Total assets .............................................................................. 11,507,522 LIABILITIES 13. Deposits: a. In domestic offices ........................................................... 10,227,980 (1) Noninterest-bearing......................................................... 1,196,792 (2) Interest-bearing ................................................................ 9,031,188 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs............................................................................ 0 (1) Noninterest-bearing.......................................................................... 0 (2) Interest-bearing ...............................................................................0 14. a. Federal funds purchased...............................................................35,900 b. Securities sold under agreement to repurchase........................... 48,152 15. Demand notes issued to the U.S. Treasury......................................... 6,667 16. Other borrowed m oney........................................................................45,121 17. Mortgage indebtedness and obligations under capitalized leases ...............................................................................2,994 18. Bank's liability on acceptances executed andoutstanding ............................. 0 19. Notes and debentures subordinated to deposits..................................... 1,625 20. Other liabilities ........................................................................... .78,141 21. Total liabilities............................................................................ 10,446,580 22. Limited-life preferred stock .......................................................................... 0 EQUITY CAPITAL 23. Perpetual preferred stock......................................................................12,856 24. Common stock ................................................................................ 102,391 25. Surplus ............................................................................................. 363,254 26. a. Undivided profits and capital reserves...................................... 585,158 b. LESS: Net unrealized loss on marketable eqity securities.............. 2,717 27. Cumulative foreign currency translation adjustment .....................................0 28. Total equity capital ..................................................................... 1,060,942 Digitized for29. FRASER Total liabilities, limited-life preferred stock and http://fraser.stlouisfed.org/ equity capital......................................................................... 11,507,522 Federal Reserve Bank of St. Louis  S eventy-E ighth Report  CONSOLIDATED STATEMENT OF CONDITION OF THE 79 STATE CHARTERED TRUST DEPARTMENTS June 30, 1992 (000's omitted) ASSETS 1. Non-interest Bearing Deposits a. Own Bank and Affiliate Institutions .................. $2,437 b. Other institutions ..................................................... .. 2,131 2. Interest Bearing Deposits a. Own Bank and Affiliate Institutions ............................. 67,718 b. Other In s titu tio n s ............................... ............................ 53,708 3. U.S. Government and AgencyObligations 195,848 4. State, County and Municipal Obligations ................................ 59,567 5. Other Short-Term Obligations ..................... 87,808 6. Other Notes and Bonds .......................... 34,878 7. Stocks ............................................. 109,814 8. Collective Investment Fund Units ............................................. 23,508 9. Real Estate Mortgages ............................. 18,707 47,317 10. Real Estate ..................... 11. Miscellaneous Assets ............. 14,946 12. Suspense Accounts . ............................. 1,183 13. O th e r.................. .....................................................................11,785 14. Total assets ................................ 731,355 LIABILITIES Trusts and Estates 15. Employee Benefit ..................................................................... 170,259 a. (Number of Accounts) . . . . . . . . . 1,438 16. Personal T r u s t s ........................ ........................................... 232,632 1,258 a. (Number of Accounts) ..................... 17. Estates and Guardianships a. (Number of A cco u n ts).......... ...............285 Agencies 18. Employee Benefit ..................... 46,604 a. (Number of Accounts) . . . . . . . . . 1,113 19. All Other ......................................................... ....................... 143,436 a. (Number of A cco u n ts).......... .......... 891 Collective Investment Funds 20. Employee B e n e fit....................... .............................................. 1,234 a. (Number of Accounts) . ..................... 25 21. All Other ............. .................. .............................................. 43,485 a. (Number of A cco u n ts)....................... 71 22. Corporate Trust Accounts ...................................................... 78,570 a. (Number of A cco u n ts)............. .. 682 23. Corporate Agency Accounts . .................................................. 12,551 a. (Number of A cco u n ts).................. 69 24. Profit Accounts .................. ...................... .............................. 1,375 25. Suspense A c c o u n ts ............................... ................................. 1,209 26. Total Liabilities . ..................................................................... 731,355  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  21  22  Arkansas S tate Bank D epartm ent  CONSOLIDATED REPORT OF CONDITION OF THE 78 NATIONAL BANKS June 30, 1992 (000's omitted) ASSETS 1. Cash and Balances due from depository institutions: a. Noninterest-bearing balances and currency and coin .............$756,388 b. Interest-bearing balances ............................................................... 87,096 2. Securities .............................................................................................. 4,989,919 3. a. Federal funds s o ld ........................................................................... 409,124 b. Securities purchased under agreement to re s e ll............................ 29,399 4. Loans and lease financing receivables: a. Loans and lease, net of unearned income ............................ 6,152,125 b. Less: Allowances for loan and losses ......................................... 105,987 c. Less: Allocated transfer risk re s e rv e ......................................................... 0 d. Loans and lease, net of unearned income allowance, and reserve ................................................................. 6,046,138 5. Assets held in trading acco u n ts.................................................................28,701 6. Premises and Fixed Assets (including capitalized lease) .....................216,010 7. Other real estate owned ............................................................................ 56,177 8. Investments in unconsolidated subsidiaries and associated companies ............................................................................... 0 9. Customers liability to this bank onacceptances outstand ing..............................0 10. Intangible assets ......................................................................................... 38,335 11. Other a s s e ts ...............................................................................................205,451 12. Total assets ...................................................................................... 12,862,738 LIABILITIES 13. Deposits: a. In domestic offices ................................................................. 1 1,306,229 (1) Noninterest-bearing.............................................................. 1,793,208 (2) Interest-bearing .......................................................................9,513,021 b. In foreign offices, Edge and Agreement subsidiaries, and IB F s .................................................................................... 0 (1) Noninterest-bearing..................................................................................0 (2) Interest-bearing .......................................................................................0 14. a. Federal funds purchased.....................................................................96,100 b. Securities sold under agreement to repurchase.......................... 120,848 15. Demand notes issued to the U.S. T re a su ry.......................................... 33,333 16. Other borrowed m o n e y ........................................................................... 149,879 1 7. Mortgage indebtedness and obligations under capitalized leases ...................................................................................... 4,006 18. Bank's liability on acceptances executed andoutstanding ................................ 0 19. Notes and debentures subordinated to d e p o s its ........................................ 4,375 20. Other liabilities ........................................................................................ 100,702 21. Total lia b ilitie s ................................................................................... 11,815,472 22. Limited-life preferred stock ................................................................................. 0 EOUITY CAPITAL 23. Perpetual preferred s to c k ...................................................................................144 24. Common stock ............................................................................................ 93,347 25. Surplus .......................................................................................................312,623 26. a. Undivided profits and capital re se rve s......................................... 643,435 b. LESS: Net unrealized loss on marketableeqity securities..................2,283 27. Cumulative foreign currency translation adjustment .........................................0 28. Total equity capital ........................................................................... 1,047,266 Total liabilities, limited-life preferred stock and Digitized for29. FRASER equity c a p ita l................................................................................. 12,862,738 http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  S eventy Eighth Report  23  CAPITAL TO ASSET RATIOS June 30, 1992  BANK Commercial Bank at Alma First National Bank of Altheimer Bank of Am ity Citizens First State Bank Elk Horn Bank and Trust Company Merchants & Planters Bank & Trust Company First National Bank of Sharp County Bank of Ashdown, N. A. The First National Bank in Ashdown Bank of Atkins The Bank of Augusta Citizens State Bank Worthen National Bank of Batesville First National Bank of Arkansas The Citizens Bank Bank of Bearden Citizens Bank First State Bank The Union Bank of Benton Benton State Bank FirstBank, N. A. Bank of Bentonville The First National Bank of Berryville Bank of Blevins Farmers Bank and Trust Company The First National Bank in Blytheville Citizens Bank The Bank of Bradley FirstBank of Arkansas Bank of Brinkley Bank of Cabot The First National Bank of Izard County Merchants and Planters Bank, N. A Worthen National Bank of Camden Caraway Bank Citizens Bank & Trust Bank of Cave City American State Bank The Merchants & Planters Bank Arkansas State Bank Farmers Bank & Trust Company Clinton State Bank First National Bank First Community Bank The First National Bank of Conway Worthen National Bank of Conway  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY  RATIO  Alma Altheimer Am ity Arkadelphia Arkadelphia Arkadelphia Ash Flat Ashdown Ashdown Atkins Augusta Bald Knob Batesville Batesville Batesville Bearden Beebe Beebe Benton Benton Bentonville Bentonville Berryville Blevins Blytheville Blytheville Booneville Bradley Brinkley Brinkley Cabot Calico Rock Camden Camden Caraway Carlisle Cave City Charleston Clarendon Clarksville Clarksville Clinton Clinton Conway Conway Conway  9.40 22.86 18.47 8.90 9.40 7.62 10.06 11.01 11.15 10.61 15.22 7.47 8.19 5.71 7.93 19.30 9.60 7.55 8.50 8.43 9.45 10.23 14.17 9.34 9.41 10.01 7.89 9.00 9.40 13.92 9.68 14.68 8.66 8.59 5.81 10.72 9.24 8.74 9.30 7.28 8.24 7.54 6.99 19.55 9.34 7.92  24  Arkansas S ta te Bank D epartm ent  BANK The Corning Bank First National Bank of Crossett First State Bank Danville State Bank Arkansas Valley Bank Bank of Dardanelle The First National Bank of DeQueen First State Bank of DeQueen DeWitt Bank and Trust Company The First National Bank of DeWitt Decatur State Bank Bank of Delight Dermott State Bank First State Bank of Dermott Farmers & Merchants Bank First National Bank of Howard County Dumas State Bank Merchants and Farmers Bank First Southern Bank The Exchange Bank & Trust Company The First National Bank of El Dorado National Bank of Commerce of El Dorado The Delta State Bank Bank of Elkins Bank of England The Eudora Bank Bank of Eureka Springs Bank of Evening Shade The Bank of Fayetteville, N. A. Citizens Bank of Northwest Arkansas M cllroy Bank & Trust Worthen National Bank of Northwest Arkansas 1st Ozark National Bank First State Bank of Fordyce Fordyce Bank & Trust Co. First National Bank of Eastern Arkansas Planters Bank & Trust Company The City National Bank of Fort Smith The First National Bank of Fort Smith The Merchants National Bank of Fort Smith Planters & Merchants Bank The Bank of Glenwood Caddo First National Bank First State Bank Bank of Gravett The First National Bank in Green Forest Farmers Bank First State Bank of Gurdon Farmers Bank Calhoun County Bank Mercantile Bank The Bank of Harrisburg The Security Bank Digitized forWorthen FRASER National Bank of Harrison http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY  RATIO  Corning Crossett Crossett Danville Dardanelle Dardanelle DeQueen DeQueen DeWitt DeWitt Decatur Delight Dermott Dermott Des Arc Dierks Dumas Dumas Earle El Dorado El Dorado El Dorado Elaine Elkins England Eudora Eureka Springs Evening Shade Fayetteville Fayetteville Fayetteville Fayetteville Flippin Fordyce Fordyce Forrest City Forrest City Fort Smith Fort Smith Fort Smith Gillett Glenwood Glenwood Gould Gravette Green Forest Greenwood Gurdon Hamburg Hampton Hardy Harrisburg Harrison Harrison  9.46 10.62 9.27 12.24 9.90 11.55 12.27 11.44 18.04 8.99 14.67 7.79 13.03 10.83 27.41 15.59 9,46 12.67 16.37 10.14 10.13 8.45 52.45 9.18 9.30 12.59 11.26 10.68 6.04 7.55 7.92 9.51 6.22 9.51 9.15 10.63 11.49 8.22 9.81 8.37 10.90 10.17 6.99 8.16 13.51 12.67 12.76 9.05 10.18 12.95 7.55 10.47 8.95 8.49  Seventy- Eighth Report  BANK  Hazen First State Bank The Cleburne County Bank Greers Ferry Lake State Bank Fleber Springs State Bank First National Bank of Cleburne County Helena National Bank First National Bank of Phillips County Bank of Holly Grove The First National Bank of Hope The Citizens National Bank of Hope Horatio State Bank Arkansas Bank and Trust Company Bank of Hot Springs Worthen National Bank of Hot Springs The Planters National Bank of Hughes The First National Bank of Huntsville First State Bank Peoples Bank First Jacksonville Bank and Trust Newton County Bank Citizens Bank of Jonesboro Mercantile Bank The Arkansas Bank Simmons First Bank of Jonesboro Union State Bank FirstBank of Arkansas Pine State Bank Madison Bank and Trust Simmons First Bank of Lake Village Bank of Lake Village River Valley Bank and Trust Leachville State Bank Little River Bank The First National Bank of Lewisville Peoples Bank and Loan Co. Bank of Lincoln Arkansas Bankers Bank Central Bank and Trust Citizens First Bank Eagle Bank and Trust Company First Commercial Bank, N. A. Metropolitan National Bank One National Bank Pulaski Bank and Trust Company Union National Bank of Arkansas Worthen National Bank of Arkansas Bank of Lockesburg First State Bank ^ Farmers Bank & I rust Company First National Bank of Magnolia Bank of Malvern The Malvern National Bank Mercantile Bank, Mammoth Spring, Ark The Merchants & Planters Bank  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  25  CITY  RATIO  Hazen Heber Springs Heber Springs Heber Springs Heber Springs Helena Helena Holly Grove Hope Hope Horatio Hot Springs Hot Springs Hot Springs Hughes Huntsville Huntsville Imboden Jacksonville Jasper Jonesboro Jonesboro Jonesboro Jonesboro Junction City Kensett Kingsland Kingston Lake Village Lake Village Lavaca Leachville Lepanto Lewisville Lewisville Lincoln Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Lockesburg Lonoke Magnolia Magnolia Malvern Malvern Mammoth Spring Manila  8.17 8.94 7.22 7.26 8.23 7.11 7.18 11.17 12.28 9.62 9.74 8.85 8.05 8.21 11.85 12.71 7.44 7.22 8.52 8.84 8.06 9.16 6.79 7.67 10.59 6.49 7.72 7.88 10.46 12.84 10,40 8.30 18.68 9.52 8.88 9.83 10.65 9.61 8.65 8.40 8.52 6.81 17.01 7.42 9.08 5.46 11.98 10.64 7.60 10.22 10.43 10.22 7.85 12.29  26  A rkansas S tate Bank D epartm ent  BANK Bank of Mansfield First National Bank at Marianna Citizens' Bank Marked Tree Bank Searcy County Bank Bank of McCrory The First National Bank of McGehee McGehee Bank The Bank of North Arkansas First National Bank in Mena The Union Bank of Mena MidSouth Bank Commercial Bank & Trust Company Union Bank & Trust Company The First National Bank of Conway County Morrilton Security Bank, N. A. The Bank of Montgomery County First National Bank & Trust Company of Mountain Home Peoples Bank and Trust Company Bank of Mountain View Bank of Mulberry Pike County Bank The First National Bank of Nashville Citizens National Bank of Nashville W’orthen National Bank of Newark First State Bank of Newport Merchants & Planters' Bank Bank of Little Rock National Bank of Arkansas in North Little Rock The Twin City Bank American State Bank First National Bank in Osceola The Planters Bank Bank of Ozark First National Bank Peoples Bank Security Bank The First National Bank at Paris Southeast Arkansas Bank First State Bank The Perry County Bank Piggott State Bank Pine Bluff National Bank Simmons First National Bank of Pine Bluff Worthen National Bank of Pine Bluff First State Bank Bank of Pocahontas Planters and Stockmen Bank The Peoples Bank Portland Bank The Farmers and Merchants Bank Bank of Prescott Digitized forThe FRASER Bank of Rector http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY  RATIO  Mansfield Marianna Marion Marked Tree Marshall McCrory McGehee McGehee Melbourne Mena Mena Monette Monticello Monticello Morrilton Morrilton Mount Ida Mountain Home  8.17 14.46 9.60 10.73 8.78 11.86 13.16 14.19 7.23 10.64 9.09 7.11 9.13 8.93 9.24 8.91 13.73 10.56  Mountain Home Mountain View Mulberry Murfreesboro Nashville Nashville Newark Newport Newport North Little Rock North Little Rock North Little Rock Osceola Osceola Osceola Ozark Paragould Paragould Paragould Paris Parkdale Parkin Perryville Piggott Pine Bluff Pine Bluff Pine Bluff Plainview Pocahontas Pocahontas Portland Portland Prairie Grove Prescott Rector  9.42 16.80 9.66 7.46 9.97 11.39 8.54 8.95 9.07 9.81 7.15 7.14 18.65 10.34 11.11 9.08 11.59 13.30 7.71 8.10 9.37 9.59 8.82 8.30 5.00 7.45 8.43 10.49 10.10 8.94 10.03 9.96 14.97 8.07 8.19  S e v e n t y E ig h th R e p o rt  27  BANK  CITY  RATIO  Farmers and Merchants Bank The Bank of Rison Farmers and Merchants Bank First National Bank and Trust Company First Western Bank and Trust Company First Bank of Arkansas First National Bank of Russellville Worthen National Bank of Russellville Bank of Salem Logan County Bank First National Bank First Security Bank First National Bank of Sheridan Grant County Bank Arkansas State Bank First National Bank Smackover State Bank Merchants & Planters Bank The First National Bank of Springdale Springdale Bank and Trust Bodcaw Bank Bank of Star City The Stephens Security Bank Citizens Bank The Farmers & Merchants Bank First National Bank in Stuttgart Commercial National Bank of Texarkana The State First National Bank of Texarkana Bank of Trumann First State Bank of Arkansas Bank o f Tuckerman First Delta Bank Citizens' Bank & Trust Company First National Bank of Crawford County The Peoples Bank Bank of Waldron The Scott County Bank The Arkansas Bank The First National Bank of Lawrence County First State Bank of Warren Warren Bank and Trust Company Bank of Weiner Merchants and Farmers Bank Bank of West Memphis Fidelity National Bank of West Memphis First National Bank in West Memphis Wilmot State Bank The First National Bank of Wynne Cross County Bank First Arkansas Bank The Bank of Yellville  Reyno Rison Rogers Rogers Rogers Russellville Russellville Russellville Salem Scranton Searcy Searcy Sheridan Sheridan Siloam Springs Siloam Springs Smackover Sparkman Springdale Springdale Stamps Star City Stephens Strong Stuttgart Stuttgart Texarkana Texarkana Trumann Trumann Tuckerman Tyronza Van Buren Van Buren Waldo Waldron Waldron Walnut Ridge Walnut Ridge Warren Warren Weiner West Helena West Memphis West Memphis West Memphis Wilmot Wynne Wynne Wynne Yell ville  6.89 16.46 13.67 7.04 7.87 7.52 7.70 7.93 7.45 13.31 10.64 8.37 12.17 11.75 12.02 6.85 9.96 9.39 12.04 9.10 11.66 7.93 9.91 13.62 9.39 9.61 9.61 9.99 13.33 9.31 12.69 13.44 7.91 7.65 10.66 16.32 11.40 8.69 10.92 7.82 12.09 12.15 8.15 10.36 8.37 11.94 16.07 9.22 9.01 13.66 9.35   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  28  Arkansas S tate Bank D epartm ent  NATIONAL BANKS June 30, 1992 (000's omitted) NAME First National Bank of Altheimer First National Bank of Sharp County Bank of Ashdown, N. A. The First National Bank in Ashdown First National Bank of Arkansas Worthen National Bank of Batesville FirstBank, N. A. The First National Bank of Berryville The First National Bank in Blytheville The First National Bank of Izard County Merchants and Planters Bank, N. A. Worthen National Bank of Camden First National Bank The First National Bank of Conway Worthen National Bank of Conway First National Bank of Crossett The First National Bank of DeQueen The First National Bank of DeWitt First National Bank of Howard County The First National Bank of El Dorado National Bank of Commerce of El Dorado The Bank of Fayetteville, N. A. Worthen National Bank of Northwest Arkansas 1st Ozark National Bank First National Bank of Eastern Arkansas The City National Bank of Fort Smith The First National Bank of Fort Smith The Merchants National Bank of Fort Smith Caddo First National Bank The First National Bank in Green Forest Worthen National Bank of Harrison First National Bank of Cleburne County First National Bank of Phillips County Helena National Bank The Citizens National Bank of Hope The First National Bank of Hope Worthen National Bank of Hot Springs The Planters National Bank of Hughes The First National Bank of Huntsville The First National Bank of Lewisville First Commercial Bank, N. A. Metropolitan National Bank One National Bank Digitized for Union FRASERNational Bank of Arkansas http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY  ASSETS  Altheimer 10,307 Ash Flat 102,102 Ashdown 41,475 Ashdown 51,904 Batesville 33,220 146,541 Batesville 76,764 Bentonville Berryville 109,285 Blytheville 118,886 Calico Rock 58,478 Camden 87,583 Camden 106,854 Clinton 47,507 Conway 209,120 191,172 Conway Crossett 89,336 DeQueen 80,178 DeWitt 78,905 Dierks 32,276 El Dorado 271,965 El Dorado 117,338 Fayetteville 89,309 Fayetteville 417,018 Flippin 44,166 152,092 Forrest City Fort Smith 302,112 Fort Smith 482,109 Fort Smith 273,451 49,742 Glenwood Green Forest 99,218 Harrison 83,885 Heber Springs 53,028 Helena 95,345 Helena 83,891 Hope 184,679 97,521 Hope Hot Springs 288,016 19,171 Hughes Huntsville 68,923 21,229 Lewisville Little Rock 11,385,424 Little Rock 204,452 92,602 Little Rock Little Rock 574,973  29  S eventy-E ighth Report  NAME  CITY  Worthen National Bank of Arkansas First National Bank of Magnolia The Malvern National Bank First National Bank at Marianna The First National Bank of McGehee First National Bank in Mena The First National Bank of Conway County Morrilton Security Bank, N. A. First National Bank and Trust Company Citizens National Bank of Nashville The First National Bank of Nashville Worthen National Bank of Newark National Bank of Arkansas in North Little Rock First National Bank in Osceola First National Bank The First National Bank at Paris Pine Bluff National Bank Simmons First National Bank of Pine Bluff Worthen National Bank of Pine Bluff First National Bank and Trust Company First National Bank of Russellville Worthen National Bank of Russellville First National Bank First National Bank of Sheridan First National Bank The First National Bank of Springdale First National Bank in Stuttgart Commercial National Bank of Texarkana The State First National Bank of Texarkana First National Bank of Crawford County The First National Bank of Lawrence County Fidelity National Bank of West Memphis First National Bank in West Memphis The First National Bank of Wynne  1,150,442 Little Rock Magnolia 204,790 Malvern 128,244 Marianna 37,783 McGehee 27,108 Mena 83,313 Morrilton 72,045 55,021 Morrilton Mountain Home 171,876 Nashville 33,089 Nashville 68,074 Newark 12,432 North Little Rock 30,809 Osceola 60,099 Paragould 183,046 Paris 60,860 125,567 Pine Bluff Pine Bluff 570,435 Pine Bluff 253,634 Rogers 279,672 Russellville 178,048 Russellville 131,367 Searcy 201,282 Sheridan 19,707 Siloam Springs 146,934 Springdale 295,038 127,387 Stuttgart Texarkana 95,932 419,779 Texarkana Van Buren 104,000 Walnut Ridge 71,476 West Memphis 48,171 West Memphis 53,076 Wynne 114,010   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  ASSETS   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  S eventy-E ighth Report  Seventy-Eighth Annual REPORT OF THE ONE HUNDRED EIGHTY STATE CHARTERED COMMERCIAL BANKS   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  JUNE 30, 1992  32  A rka n sa s S ta te Bank D epartm ent  Commercial Bank at Alma Alma, AR Telephone: 632-2257 Facsimile: 632-2263 Population: 3,009  Hwy. 64-71 P.O. Box 2199 72921-2199  Charter Number: 297 Date: Jan. 31, 1910 County: Crawford  Trust Department: No Bank Holding Company Commerce Financial Corporation, Alma, AR  Chm/CEO/Pres: John P. Ballentine EiVP: William N. Brasher, III VP/Cash: Mary Beth Freeman  VP: Helen S. Jones VP: Rex A. Woods  Cash and Balances Due From Banks;! ,076 Federal Funds and R e p o s :........... 1,100 Investments: 12,885 Total L o a n s :................................ 23,734 Bank Premises and Fixed Assets: . . 982 Other Real E s ta te :................................ 0 Other A s s e ts :....................................... 614 Total Assets: ............................. 40,391 Total Trust Assets: ............................. 0  Deposits: ............................................. 36,424 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.......................................... 320 Subordinated D e b t:..........................................0 Total Liabilities..................................... 36,744 Total Equity Capital and Reserves: . . . 3,647 Total Liabilites and C a p ita l:................ 40,391 Number of Shares Outstanding .............8,000  Directors: James A. Arnold, II, John P. Ballentine, Leonard L. Blaschke, William N. Brasher, III, John A Griffin, Hilda Knight, Paul L. Winborn Branches in Town:  Other Branches:  None  Mountainburg, Dyer  Bank of A m ity Amity, AR Telephone: 342-5269 Facsimile: 342-9594 Population: 526  Public Square P.O. Box 38 71921-0038  Charter Number: 198 Date: Jan. 30, 1905 County: Clark  Trust Department: No Bank Holding Company None  Chm/CEO/Pres: Cleda Olds Cash and Balances Due From Banks2,181 Federal Funds and R e p o s :.................. 350 Investments: 35,946 Total L o a n s :................................ 10,431 Bank Premises and Fixed Assets: . . . 97 Other Real E s ta te :..................................21 Other A s s e ts :........................................664 Total Assets: ............................. 49,690 Total Trust Assets: ............................. 0  Directors:  Deposits: ............................................... 40,101 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.......................................... 460 Subordinated D e b t:..........................................0 Total Liabilities..................................... 40,561 Total Equity Capital and Reserves: . . . 9,129 Total Liabilites and C a p ita l:................ 49,690 Number of Shares Outstanding .............4,000  Ernie Dunlap, Joe F. Maxey, M. H. Oakley, Cleda Olds, Hazel Richardson  Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  33  Seventy Eighth Report  Citizens First State Bank Arkadelphia, AR Telephone: 246-2411 Facsimile: 246-5400 Population: 10,014  5th and Main Street P.O. Box 218 71923-0218  Charter Number: 736 Date: May 24, 1977 County: Clark  Trust Department: No Bank Holding Company FDH Bancshares, lnc.t Little Rock, AR  Chm: Raymond C. Toler  CEO/Pres: I. Joe Miles  Cash and Balances Due From Banks: 2,160 Federal Funds and Repos: 790 Investm ents:..................................... 16,856 Total L o a n s :..................................... 22,638 Bank Premises and Fixed Assets: . . . . 515 Other Real Estate: .....................................502 Other Assets; .......................... 1,297 Total Assets: 44,758 Total Trust Assets: 0  Deposits: 40,182 ..................0 Federal Funds and Borrowings: Other L ia b ilitie s :.......................................... 384 Subordinated D e b t:..........................................0 Total Liabilities............................. 40,566 Total Equity Capital and Reserves: . . . 4,192 Total Liabilites and C a p ita l:........ 44,758 Number of Shares Outstanding . . . . 30,000  Directors: Edward L. Cullum, Jr., Herb Daily, Jerry Francis, I. B. Fuller, Jr., Billy Bob Hardman, I. Joe Miles, Robert P. Taylor, Raymond C. Toler Branches in Town:  One  Other Branches:  None  Elk Horn Bank & Trust Company Arkadelphia, AR Telephone: 246-5811 Facsimile: 246-5284 Population: 10,014  601 Main Street P.O. Box 248 71923-0248  Charter Number: 142 Date: Sep. 28, 1903 County: Clark  Trust Department: Yes Bank Holding Company Southern Development Bancorporation, Inc., Arkadelphia, AR  SVP: Bill Fowler  Chm/CEO/Pres: George P. Surgeon EVP/Cashier/TO: Roy N. Shope Cash and Balances Due From Banks: Federal Funds and Repos: ............. . Investments: ............................... Total Loans: ..................................... Bank Premises and Fixed Assets: . . Other Real Estate: .......... ................. . Other Assets: ...................................... Total Assets: ............. ................ Total Trust Assets: .......................... ,  1 ,7 62  . . . 0 53,502 29,436 2,070 ...  Deposits: .......................................... Federal Funds and Borrowings: . . . Other L ia b ilitie s :............................... Subordinated D e b t:.......................... Total Liabilities..................................  . 77,654 . . 1,759 . . . 434 ...........0 . 87,745  24  . . 951 87,745 1,203  Total Equity Capital and Reserves: . . . 7,898 Total Liabilites and C a p ita l:............. . 87,745 Number of Shares Outstanding . . . . 24,000  Directors: Thomas Barksdale, James Blanton, Harold Echols, Ronald A. Grzywinski, James W. Harrington, Mary Houghton, J. Hugh Lookadoo Mary Jo Mann, Wayne D. Pollard, Roy N. Shope, George P. Surgeon Branches  in  Town:  One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Caddo Valley  34  A rkansas S ta te Bank D epartm ent  M erchants & Planters Bank & Trust Company Arkadelphia, AR Telephone: 246-4511 Facsimile: 246-4407 Population: 10,014  526 Main Street P. 0. Box 219 71923-0219  Charter Number: 341 Date: June 15, 1911 County: Clark  Trust Department: Yes Bank Holding Company Central Arkansas Bancshares, Inc., Arkadelphia, AR  Chm: Ross M. Whipple CEO/Pres/TO: Steve DeMott COO/Cash: Dell Beene  SVP: Barbara Neel VP: Patricia Holcomb VP: Don Twyford  Cash and Balances Due From Banks2,966 Federal Funds and R e p o s :................... 0 Investments: 33,865 Total L o a n s :................................ 42,955 Bank Premises and Fixed Assets: 1,615 Other Real E s ta te :................................130 Other A s s e ts :................................ 1,408 Total Assets: ............................. 82,939 Total Trust Assets: .............................913  Deposits: ............................................. 74,225 Federal Funds and Borrowings: ...........1,900 Other L ia b ilitie s :...........................................431 Subordinated D e b t:..........................................0 Total Liabilities..................................... 76,556 Total Equity Capital and Reserves: . . . 6,383 Total Liabilites and C a p ita l:................ 82,939 Number of Shares Outstanding .............4,800  Directors: Tom Calhoon, Steve DeMott, Toney D. McMillan, Paul Offutt, Jane Ross, Donald M. Tatman, Larry Thomerson Branches in Town:  Two  Other Branches:  Gurdon  Bank o f Atkins Atkins, AR Telephone: 641-2987 Facsimile: 641-2566 Population: 2,834  202 N.E. First Street P.O. Box 157 72823-0157  Charter Number: 35 Date: Sep. 19, 1895 County: Pope  Trust Department: No Bank Holding Company None  Chm: David M. Mitchell Pres/CFO: James A. Myatt  VP/Cash: Dorothy Wiley VP/Ex Sec: Ida Abernathy  Cash and Balances Due From Banks:!, 128 Federal Funds and R e p o s :........... 1,000 Investments: 4,721 Total L o a n s:................................ 12,167 Bank Premises and Fixed Assets: . . . 55 Other Real E s ta te :..................................90 Other A s s e ts :....................................... 365 Total Assets: ............................. 19,526 Total Trust Assets: ............................. 0  Deposits: ................................................17,369 Federal Funds and Borrowings: .................. 0 Other L ia b ilitie s :.............................................77 Subordinated D e b t:..........................................0 Total Liabilities...............................17,446  Directors:  Total Equity Capital and Reserves: . . . 2,080 Total Liabilites and C a p ita l:..........19,526 Number of Shares Outstanding . . . . 12,500  David M. Mitchell, Jean S. Mitchell, James A. Myatt  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  One  Other Branches:  None  35  S eventy-E ighth Report  The Bank of Augusta Augusta, AR Telephone: 347-2511 Facsimile: 347-2654 Population: 2,759  100 S. Second Street P.O. Box Y 72006-1005  Charter Number: 669 Date: Feb. 20, 1935 County: Woodruff  Trust Department: Yes Bank Holding Company None  Chm: R. E. Gregory CEO/Pres: Moody Whitehead  VP: Ronnie Jones Cash: Martha Ray  Cash and Balances Due From Banks: 1,463 Federal Funds and Repos: ................ 3,500 Investm ents:..................................... 18,349 Total L o a n s :..................................... 12,000 Bank Premises and Fixed Assets: . . . . 195 Other Real Estate: ....................................... 15 548 Other Assets: .......................... Total Assets: 36,070 Total Trust Assets: 90  Deposits: 30,224 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :...........................................276 Subordinated D e b t:..........................................0 Total Liabilities..................................... 30,500 Total Equity Capital and Reserves: . . . 5,570 Total Liabilites and C a p ita l:................ 36,070 Number of Shares Outstanding .............8,000  Directors: Franklin Collier, Steve Collier, W. P. Daniel, W. P. Daniel, Jr., Charles P. Eldridge, John R. Eldridge, R. E. Gregory, R. E. Gregory, Jr., Moody Whitehead, Dorothy Willis Branches in Town:  Other Branches:  None  None  Citizens State Bank Bald Knob, AR Telephone: 724-3241 Facsimile: 724-5985 Population: 2,653  306 South Elm Street P.O. Box 200 72010-0200  Charter Number: 636 Date: Jan. 22, 1931 County: White  Trust Department: Yes Bank Holding Company Citizens State Bankshares of Bald Knob, Inc., Bald Knob, AR  Chm: Juanita Litzelfelner CEO/Pres: Larry E. Kircher  EVP: Wendell Nier VP: Peggy Reed  Cash and Balances Due From Banks: 2,038 Federal Funds and Repos: 0 Investm ents:..................................... 18,081 Total Loans: ..................................... 15,406 Bank Premises and Fixed Assets: . . . . 838 Other Real Estate: ............................... . 350 Other Assets: .............................................718 Total Assets: 37,431 Total Trust Assets: 1,646  Deposits: 33,746 Federal Funds and Borrowings: ................ 450 Other L ia b ilitie s :...........................................364 Subordinated D e b t:..........................................0 Total Liabilities..................................... 34,560  Directors:  Total Equity Capital and Reserves: . . . 2,871 Total Liabilites and C a p ita l:................ 37,431 Number of Shares Outstanding .............4,000  Bob J. Clark, Larry E. Kircher, Juanita Litzelfelner, Wendell Nier, Bernard C. Smith  Branches in Town:  One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Bradford  36  Arkansas S ta te Bank D ep a rtm e n t  The Citizens Bank Batesville, AR Telephone: 793-4441 Facsimile: 698-6299 Population: 9,187  Third and College Streets P.O. Box 2156 72503-2156  Charter Number: 705 Date: Feb. 19, 1953 County: Independence  Member of Federal Reserve System Trust Department: Yes Bank Holding Company Citizens Bancshares of Batesville, Inc., Batesville, AR  Chm/CEO: T. G. Vinson Pres: Woody Castleberry EiVP: David Hidy SVP-Loans: David Ford  SVP/Cash: Greg Shaver SVP: Floren King TO: Gene Crawford  Cash and Balances Due From Banks8,708 Federal Funds and R e p o s :........... 1,800 Investments: 64,421 Total L o a n s :.................................. 100,318 Bank Premises and Fixed Assets: 4,171 Other Real E s ta te :........................ 1,165 Other A s s e ts :................................ 2,400 Total Assets: ............................. 182,983 Total Trust Assets: ................... 11,351  Deposits: .......................................... 163,203 Federal Funds and Borrowings: .............4,562 Other L ia b ilitie s :.......................................... 960 Subordinated D e b t:..........................................0 Total Liabilities.................................. 168,725 Total Equity Capital and Reserves: . . 14,258 Total Liabilites and C a p ita l:............. 182,983 Number of Shares Outstanding . . . . 16,500  Directors: M. F. Highsimith, Lackey Moody, Doyle W. Rogers, Noel K. Sims, Kay Southerland, T. G. Vinson Branches in T o w n : Six  O ther Branches: None  Bank o f Bearden Bearden, AR Telephone: 687-2233 Facsimile: 687-3712 Population: 1,021  Second and Cedar Streets P.O. Box 135 71720-0135  Charter Number: 688 Date: June 17, 1945 County: Ouachita  Trust Department: Yes Bank Holding Company None  Chm: John E. Anthony CEO/Pres: Rick Green  EVP: Ken Riley  Cash and Balances Due From Banks1,857 Federal Funds and R e p o s :........... 4,775 Investments: 6,848 Total L o a n s :.................................. 7,776 Bank Premises and Fixed Assets: . . . 90 Other Real Estate: . .............................. 0 Other A s s e ts :............. 181 Total Assets: ............. 21,527 Total Trust Assets: . ................... 0  Deposits: ................................................17,253 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.............................................93 Subordinated D e b t:..........................................0 Total L iabilities........................................17,346 Total Equity Capital and Reserves: . . . 4,181 Total Liabilites and C a p ita l:.................. 21,527 Number of Shares Outstanding .............8,300  Directors:  John E. Anthony, Steven M. Anthony, O. D. Cathey, Rayburn Dorey, Mary Lynn Dudley, Rick Green, Kenneth D. Keeton, Ronald Ramsay, J. E. Word  Digitized for Branches FRASER in Town: None http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  37  S eventy-E ighth Report  Citizens Bank Beebe, AR Telephone: 882-6411 Facsimile: 882-6413 Population: 4,455  114 N. Main P.O. Drawer T 72012-1020  Charter Number: 465 Date: June 21, 1917 County: White  Trust Department: No Bank Holding Company Security Bancorp, Searcy,  Chm: Reynie Rutledge CEO: E. H. Abington, II Pres: J. Darrell Hall  FVP: Margie Jensen VP: Betty Liddle VP/Cash: Anna B. Spradlin  Cash and Balances Due From Banks: 2,706 Federal Funds and Repos: 0 Investm ents:............... 24,077 Total Loans: ..................................... 25,800 Bank Premises and Fixed Assets: . . . . 505 Other Real Estate: ..................................... 164 Other A s s e ts :.................. 665 Total Assets: 53,917 Total Trust Assets: 0  Deposits: 47,062 Federal Funds and Borrowings: .......... 1,400 Other L ia b ilitie s:.......................................... 221 Subordinated Debt: .......................... 0 Total Liabilities............................. 48,683  Directors:  Total Equity Capital and Reserves: . . . 5,234 Total Liabilites and C a p ita l:..........53,917 Number of Shares Outstanding . . . . 20,000  Millan Burrow, Doyle Burns, G. Byrne Garrett, H. Leroy Goff, Lee Hayes, James Rakes  Branches in Town:  One  Other Branches:  None  First State Bank Beebe, AR Telephone: 882-6406 Facsimile: 882-6892 Population: 4,455  1500 W. DeWitt Henry P.O. Box 2000 72012-1000  Charter Number: 742 Date: March 23, 1981 County: White  Member of the Federal Reserve System Trust Department: Yes Bank Holding Company First Charter Bancshares, Inc., North Little Rock, AR  Chm/CEO/Pres/TO: Garland Kirkpatrick Cash and Balances Due From Banks: 2,489 Federal Funds and Repos: .................. .. . 0 Investments: . ................................... 20,641 Total L o a n s :..................................... 15,465 Bank Premises and Fixed Assets: . . . . 646 Other Real Estate: .................. 155 Other Assets: . . . . . . . 1,933 Total Assets: 41,329 Total Trust Assets: 99  Deposits: ............................................. 35,752 ........... 1,016 Federal Funds and Borrowings: Other L ia b ilitie s :....................................... 1,449 Subordinated D e b t:..........................................0 Total Liabilities............................... 38,217 Total Equity Capital and Reserves: . . . 3,112 Total Liabilites and C a p ita l:.......... 41,329 Number of Shares Outstanding .. .100,000  Directors:  Ruth L. Couch, Grace Crouch, Walter England, Gene Holman, Garland Kirkpatrick, Keith Knight, Lyndell Lay, Mark Lay, David Miller  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  N orth Little Rock  Arkansas S ta te Bank D epartm ent  38  Benton State Bank Benton, AR Telephone: 778-0431 Facsimile: 778-6447 Population: 17,932  146 W. South Street P.O. Box 9 72015-0009  Charter Number: 664 Date: Feb. 9, 1934 County: Saline  Trust Department: Yes Bank Holding Company First Commercial Corporation, Little Rock, AR  Chm/CEO/Pres: Larry Whitley EVP: Russell Coleman  SVP-Loans: Harry McCormick SVP-Op & Retail: Barbara Weaver  Cash and Balances Due From Bank§3,343 Federal Funds and R e p o s :................... 0 Investments: 82,665 Total L o a n s :................................ 90,108 Bank Premises and Fixed Assets: 2,381 Other Real E s ta te :............................... 716 Other A s s e ts :................................ 2,255 Total Assets: ............................. 189,468 Total Trust Assets: ............................. 0  Deposits: .......................................... 170,898 Federal Funds and Borrowings: ........... 1,884 Other L ia b ilitie s :.......................................... 819 Subordinated D e b t:..........................................0 Total Liabilities.......................... 173,601 Total Equity Capital and Reserves: . . 15,867 Total Liabilites and C a p ita l:..... 189,468 Number of Shares Outstanding . . . 132,000  Directors: W. R. Aisobreook, Roy Bishop, Calvin Brown, Russell Coleman, Edwin Henry, A. B. Holiman, Jr., W. W. Jones, Malcolm P. Lawrence, D. W. May, D. J. Stirman, W. Lee Tucker, Larry Whitley Branches in Town:  Other Branches:  Three  Bryant, Hot Springs Village  The Union Bank o f Benton Benton, AR Telephone: 778-0411 Facsimile: 776-5433 Population: 17,932  201 Market Street P.O. Box 687 72015-0687  Charter Number: 706 Date: Jan. 11, 1954 County: Saline  Trust Department: Yes Bank Holding Company Union Bankshares of Benton, Inc., Benton, AR  Chm/CEO: Greg B. Brown Pres: Bob Gregory  SVP: Debra Keen TO: Raymond Pennington  Cash and Balances Due From Banks4,757 Federal Funds and R e p o s :................... 0 Investments: 40,575 Total Loans: ................................ 40,868 Bank Premises and Fixed Assets: 1,401 Other Real Estate: ................................ 6 Other Assets: .......... 1,099 Total Assets: .......... 88,706 Total Trust Assets: ..................... 1,460  Deposits: ............................................. 79,976 ............. 700 Federal Funds and Borrowings: Other L ia b ilitie s :.......................................... 496 Subordinated D e b t:..........................................0 Total Liabilities.............................. 81,172 Total Equity Capital and Reserves: . . . 7,534 Total Liabilites and C a p ita l:........ 88,706 Number of Shares Outstanding . . . . 72,940  Directors:  Greg B. Brown, June G. Brown, Lilburn Carlisle, Bob Gregory, J. D. Harris, Ron Kuerner, I. E. McCray, Jr., John Young  Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Two  Other Branches:  Bryant  39  S eventy-E ighth Report  Bank of Bentonville Bentonville, AR Telephone: 273-3331 Facsimile: 271-1315 Population: 11,257  201 N.E. A. Street P.O. Box 1229 72712-1229  Charter Number: 641 Date: Feb. 25, 1931 County: Benton  Trust Department: Yes Bank Holding Company None  Chm: Jim Walton CEO/Pres: Donald E. Walker SVP-Retail: Jim Cargill  SVP-Loans: Kenny Hancock SVP-Trust: Bob O'Neal SVP-Oper: Jill March  Cash and Balances Due From Banks: 17,314 Federal Funds and Repos: 18,700 Investm ents:.................. ...... 83,814 Total L o a n s :..................................... 201,609 Bank Premises and Fixed Assets: . . 3,327 Other Real Estate: .....................................388 Other Assets: ..................... 4,237 Total Assets: 329,389 Total Trust Assets: 0  Deposits: . ........................................ 289,467 Federal Funds and Borrowings: .............4,463 Other L ia b ilitie s:....................................... 2,295 Subordinated D e b t:..........................................0 Total Liabilities.................................. 296,225 Total Equity Capital and Reserves: . . 33,164 Total Liabilites and C a p ita l:............. 329,389 Number of Shares Outstanding . . . . 78,400  Directors: E. R. Adair, James Arkins, George Billlingsley, Max Burger, Bob Dobbs, Ralph Dunn, Kirk Dupps, David Glass, Roger McMennamy, Joe Peters, Don Walker, Jim Walton Branches in Town:  Two  Other Branches:  Centerton, Bella Vista, Gravette  Bank of Blevins Blevins, AR Telephone: 874-2541 Facsimile: 874-2631 Population: 253  Main Street P.O. Box 158 71825-0158  Charter Number: 385 Date: Aug. 12, 1912 County: Hempstead  Trust Department: No Bank Holding Company First National Bancshares of Hempstead County, Inc., Hope, AR  CEO/Pres: Mike Stephens Cash and Balances Due From Banks: . . 503 Federal Funds and Repos: ....................... 500 Investm ents:........................................ 5,373 Total L o a n s :....................................... 6,540 Bank Premises and Fixed Assets: . . . . 327 Other Real Estate: ..................................... 1 Other A s s e ts :.............................................172 Total Assets: 13,416 Total Trust Assets: 0  Directors:  Deposits: ................................................12,103 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.............................................56 Subordinated D e b t:..........................................0 Total Liabilities........................................12,159 Total Equity Capital and Reserves: . . . 1,257 Total Liabilites and C a p ita l:...................13,416 Number of Shares Outstanding .............8,050  Thomas E. Hays, Jr., Charles Sharpe, Mike Stephens, Nell Stephens  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  A rkansas S ta te Bank D epartm ent  40  Farmers Bank And Trust Company Blytheville, AR Telephone: 763-8101 Facsimile: 763-1688 Population: 22,906  400 W. Main P. 0. Box 688 72316-0688  Charter Number: 253 Date: March 16, 1908 County: Mississippi  Member of Federal Reserve System Trust Department: Yes Bank Holding Company Farmers Bancorp, Inc., Blytheville, AR  Chm/CEO/Pres: Alvin Huffman, III EVP/Cash: Steve Bell VP: Joe Churchill  VP: Mike Huffman TO: Dona Holmes  Cash and Balances Due From Banks3,563 Federal Funds and R e p o s :.................. 750 Investments: 43,194 Total L o a n s:................................ 56,671 Bank Premises and Fixed Assets: 1,344 Other Real Estate: . ...................... 3,467 Other A s s e ts :............. 2,000 Total Assets: ................................110,989 Total Trust Assets: .................. 13,924  Deposits: ............................................. 99,561 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.......................................... 556 Subordinated D e b t:..........................................0 Total Liabilities..................................... 100,117 Total Equity Capital and Reserves: . . 10,872 Total Liabilites and C a p ita l:................ 110,989 Number of Shares Outstanding . . . . 40,000  Directors: Steve Bell, Dale Briggs, Glen Cook, Alvin Huffman, 111, Paul C. Hughes, Herbert Jones, Gaylon M. Lawrence, Jr., R. A. Porter, Harold Sudbury, Jr.  Branches in Town:  Two  Other Branches:  None  Citizens Bank Booneville, AR Telephone: 675-2747 Facsimile: 675-5050 Population: 3,804  80 W. Main P.O. Box 238 72927-0238  Charter Number: 397 Date: April 18, 1910 County: Logan  Trust Department: Yes Bank Holding Company First Western Bancshares, Inc., Booneville, AR  Chm/CEO/Pres: Jeral L. Hampton EVP: John T. Hampton EVP: Joe Earp  SVP/Cash: Bill Mitchell SVP: Shirley Young  Cash and Balances Due From Banks2,285 Federal Funds and R e p o s :.................. 300 Investments: 32,621 Total L o a n s :................................ 43,063 Bank Premises and Fixed Assets: . . 523 Other Real Estate: . ............................. 228 Other A s s e ts :............. 1,749 Total Assets: ............... 80,769 Total Trust Assets: ............................. 0  Deposits: ............................................... 73,101 Federal Funds and Borrowings: ................ 658 Other L ia b ilitie s :.......................................... 582 Subordinated D e b t:..........................................0 Total L iabilities.............................. 74,341 Total Equity Capital and Reserves: . . . 6,428 Total Liabilites and C a p ita l:......... 80,769 Number of Shares Outstanding . . .100,000  Directors: Don A. Dunn, Jeral L. Hampton, John T. Hampton, Billy Dale Leslie, C. Richard Lippard, A. B. Littlefield, W. C. Littlefield, Robert E. Remy Digitized for Branches FRASER in Town: None http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  R a tcliff, M agazine  41  S e ve n ty Eighth Report  The Bank of Bradley Bradley, AR Telephone: 894-3322 Facsimile: 894-3324 Population: 585  Main Street P.O. Box 120 71826-0120  Charter Number: 653 Date: April 10, 1933 County: Lafayette  Trust Department: No Bank Holding Company The Bradley Corporation, Bradley, AR  Chm/CEO/Pres: Lane Pierce  EVP/Cash: Billie Pierce  Cash and Balances Due From Banks: . . 430 Federal Funds and Repos: 1,160 Investm ents:........................................ 2,957 Total L o a n s :........................................ 5,297 Bank Premises and Fixed Assets: . . . . 278 Other Real Estate: ....................................... 73 Other A s s e ts :............. 124 Total Assets: 10,319 Total Trust Assets: 0  Deposits: 9,355 Federal Funds and Borrowings: 0 Other L ia b ilitie s :.............................................31 Subordinated D e b t:..........................................0 Total Liabilities..........................................9,386  Directors:  Total Equity Capital and Reserves: . . . . 933 Total Liabilites and C a p ita l:...................10,319 Number of Shares Outstanding . . . . 10,000  Gerald E. Crabtree, Randy Gritting, Lane Pierce  Branches in Town:  None  Other Branches:  None  Bank of Brinkley Brinkley, AR Telephone: 734-3133 Facsimile: 734-3001 Population: 4,234  130 S. New Orleans P.O. Box 727 72021-0727  Charter Number: 110 Date: Jan. 17, 1903 County: Monroe  Trust Department: No Bank Holding Company Brinkley Bancshares, Inc., Brinkley, AR  CEO: A. H. Rusher Pres: Gus Rusher EVP: Terry Singleterry  VP-Oper: Bently Manatt VP: Todd Wilson Cash: Mildred Dickson  Cash and Balances Due From Banks: 2,095 Federal Funds and Repos: ................ 1,200 Investm ents:..................................... 34,388 Total Loans: ..................................... 20,672 Bank Premises and Fixed Assets: . . . . 543 Other Real Estate: . . . . . . . . . . . . . . 797 Other Assets: . ................................ . 1,265 Total Assets: 60,960 Total Trust Assets:  Deposits: ............................................. 51,976 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:...........................................274 Subordinated D e b t:..........................................0 Total Liabilities ..................................... 52,250  Directors:  J.  H.  Total Equity Capital and Reserves: . . . 8,710 Total Liabilites and C a p ita l:........ 60,960 .0 Number of Shares Outstanding . . . . 24,000  Carroll, Jr., John E. Deen, Jr., Steve Fowler, Doug Hunt, Albert H. Rusher, Gus  Rusher  Branches  in  Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  42  A rkansas S ta te Bank D epartm ent  FirstBank o f Arkansas Brinkley, AR Telephone: 734-1300 Facsimile: 734-1305 Population: 4,234  800 North Main P. O. Box 787 72021-0787  Charter Number: 747 Date: Jan. 25, 1989 County: Monroe  Trust Department: No Bank Holding Company FirstBank Group, Inc., Brinkley, AR  CEO/Pres: Harold Hardwick VP: Steve Lawrence  VP-Oper: Judy Brown  Cash and Balances Due From Banks: 230 Federal Funds and R e p o s :........... 1,250 Investments: 4,266 Total L o a n s :................................ 16,300 Bank Premises and Fixed Assets: 1,602 Other Real E s ta te :................................134 Other A s s e ts :....................................... 383 Total Assets: ............................. 24,165 Total Trust Assets: ............................. 0  Deposits: ............................................... 21,700 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :.......................................... 382 Subordinated D e b t:..........................................0 Total Liabilities............................. 22,082  Directors:  Total Equity Capital and Reserves: . . . 2,083 Total Liabilites and C a p ita l:......... 24,165 Number of Shares Outstanding . . . . 71,500  Fred Farrell, Harold Hardwick, Bobby Robinson, Dewey Snowden, Johnnie Qualls  Branches in Town:  None  Other Branches:  None  Bank o f Cabot Cabot, AR One City Plaza P.O. Box 1028 72023-1028  Telephone: 843-3575 Facsimile: 843-2964 Population: 8,319  Charter Number: 120 Date: March 23, 1903 County: Lonoke  Trust Department: Yes Bank Holding Company Cabot Bankshares, Inc., Cabot, AR  Chm/CEO/Pres: James M. Park VP: William E. Williams VP/Cash: Joe W. Park VP: Daniel Morrison  Cont: Doris Walker Audit: Oleta Kinder TO: Jan McGough  Cash and Balances Due From Banks5,116 Federal Funds and R e p o s :................... 0 Investments: 43,902 Total L o a n s :............. 51,398 Bank Premises and Fixed Assets: 2,198 Other Real Estate: . ................................ 57 Other A s s e ts :.......... ............... .. . 1,706 Total Assets: ............................. 104,377 Total Trust Assets: ............................. 636  Deposits: ............................................. 93,777 Federal Funds and Borrowings: ................40 Other L ia b ilitie s :.......................................... 742 Subordinated D e b t:..........................................0 Total Liabilities............................. 94,559 Total Equity Capital and Reserves: . . . 9,818 Total Liabilites and C a p ita l:.... 104,377 Number of Shares Outstanding . . . . 25,000  Directors: Dearl Dixon, Jerry Jones, Jack M. Lowman, Mark L. Magie, James M. Park, Joe W. Park, Gerald H. Shock, Steve Tipton, William G. Thompson, William E. Williams, Larry Wood Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Two  Other Branches:  W ard  43  S e ve n ty Eighth Report  Caraway Bank Caraway, AR 214 Kentucky Street P.O. Box 39 72419-0039  Telephone: 482-3329 Facsimile: 482-3880 Population: 1,2178  Charter Number: 717 Date: Oct. 29, 1962 County: Craighead  Trust Department: No Bank Holding Company Caraway Bancshares, Inc., Caraway, AR  Chm: Larry Grisham CEO: Nelson Henry  Pres: Steve May  Cash and Balances DueFrom Banks: . . 469 Federal Funds and Repos: 550 Investm ents:........................................ 3,104 Total Loans: ........................................ 5,200 Bank Premises and Fixed Assets: 86 Other Real Estate: ............................... . 156 155 Other A s s e ts :....................... Total Assets: 9,720 Total Trust Assets: 0  Deposits: ................................................. 9,102 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.............................................41 Subordinated D e b t:..........................................0 Total Liabilities......................................... 9,143  Directors:  Total Equity Capital and Reserves: . . . . 577 Total Liabilites and C a p ita l:.................... 9,720 Number of Shares Outstanding . . . . 10,080  Danny Finch, Larry Grisham, Nelson Henry, Steve May, Edwart Scarff  Branches in Town:  None  Other Branches:  None  Citizens Bank & Trust Carlisle, AR 118 N. Court P.O. Box 69 72024-0069  Telephone: 552-7571 Facsimile: 552-3636 Population: 2,500  Charter Number: 628 Date: Dec. 22, 1930 County: Lonoke  Trust Department: Yes Bank Holding Company Carlisle Bancshares, Inc., Little Rock, AR  Chm/CEO: M S Woodruff Pres: Daniel Horton EVP: Bill J. Shoup  SVP/TO: M. Gaines Young, Jr. VP/Cash: Janet Pasley VP: Vicki Callahan  Cash and Balances DueFrom Banks: 1,690 Federal Funds and Repos: .................. .. . 0 Investm ents:............................. 16,861 Total Loans: ..................................... 34,479 Bank Premises and FixedAssets:. . . . 140 Other Real Estate: ..................... 126 Other A s s e ts :.................. .............. 1,038 Total Assets: 54,334 Total Trust Assets: 13,233  Deposits: ............................................... 46,716 Federal Funds and Borrowings: .......... 1,403 Other L ia b ilitie s:.......................................... 371 Subordinated Debt: .......................................... 0 Total Liabilities............................. 48,490 Total Equity Capital and Reserves: . . . 5,844 Total Liabilites and C a p ita l:........ 54,334 Number of Shares Outstanding . . . . 39,000  Directors: Garland Cazer, J. F. Gartman, Daniel C. Horton, Charles Hunt, Barry McKuin, Bill Shoup, Randall Snider, M. S. Woodruff, M. Gaines Young, Jr. Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Hum noke  J.  44  A rkansas S ta te Bank D epartm ent  Bank o f Cave City Cave City, AR 110 Main Street P.O. Box 490 72521-0490  Telephone: 283-5301 Facsimile: 283-6466 Population: 1,503  Charter Number: 209 Date: July 2, 1906 County: Sharp  Trust Department: Yes Bank Holding Company Sharp Bancshares, Inc., Cave City, AR  Chm/CEO/Pres/TC): Eugene Street EVP: James Street  VP/Cash: Clifton Crabtree  Cash and Balances Due From Banks.1,303 Federal Funds and R e p o s :........... 1,760 Investments: 7,847 Total L o a n s:................................ 23,844 Bank Premises and Fixed Assets: . . 259 Other Real E s ta te :................................ 4 Other A s s e ts :....................................... 423 Total Assets: ............................. 35,440 Total Trust Assets: ..................... 2,197  Deposits: ............................................... 32,140 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :...........................................214 Subordinated D e b t:..........................................0 Total Liabilities..................................... 32,354  Directors:  Total Equity Capital and Reserves: . . . 3,086 Total Liabilites and C a p ita l:................ 35,440 Number of Shares Outstanding .............4,000  Sam Beller, Clifton Crabtree, Eugene Street, James E. Street, James  Branches in Town:  Other Branches:  None  M.  Street  None  American State Bank Charleston, AR Telephone: 965-2201 Facsimile: 965-2205 Population: 2,128  400 East Main Street P.O. Box 128 72933-0128  Charter Number: 314 Date: June 29, 1910 County: Franklin  Trust Department: Yes Bank Holding Company American Bancshares of Arkansas, Inc., Charleston, AR  Chm/CEO: Joe S. Hiatt Pres/TO: Michael F. Flynn  Sec: J. Sherman Hiatt, II  Cash and Balances Due From Banks2,108 Federal Funds and R e p o s :........... 1,375 Investments: 32,449 Total L o a n s :............. 28,581 Bank Premises and Fixed Assets: . . 890 Other Real E s ta te :................................104 Other A s s e ts :................................ 3,803 Total Assets: ............................. 69,310 Total Trust Assets: ............................. 640  Deposits: 61,151 Federal Funds and Borrowings: .......... 1,765 Other L ia b ilitie s :.......................................... 413 Subordinated D e b t:..........................................0 Total Liabilities............................. 63,329  Directors:  Total Equity Capital and Reserves: . . . 5,981 Total Liabilites and C a p ita l:......... 69,310 Number of Shares Outstanding . . . . 12,000  Michael F. Flynn, J. Sherman Hiatt, II, Joe S. Hiatt, Joe 0. Larkin  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  Altus, Ft. Smith  (2),  Ozark  45  S eventy-E ighth Report  The M erchants and Planters Bank Clarendon, AR Telephone: 747-3319 Facsimile: 747-3498 Population: 2,072  297 Madison P.O. Box 280 72029-0280  Charter Number: 21 Date: July 23, 1890 County: Monroe  Trust Department: No Bank Holding Company Clarendon Holding Co., Clarendon, AR  Chm: James B. Sharp CEO/Pres: J. Perry Lee  VP/Cash: Estelle Catlett Corp Sec: Rheta Griffith  Cash and Balances Due From Banks: . . 921 Federal Funds and Repos: 280 Investm ents:..................................... 17,325 Total Loans: ........................................ 4,344 Bank Premises and Fixed Assets: . . . . 255 Other Real Estate: .................. 11 Other Assets: .............................................295 Total Assets: 23,431 Total Trust Assets: 0  Deposits: 21,094 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :...........................................116 Subordinated D e b t:......................................... 0 Total Liabilities....................................... 21,210 Total Equity Capital and Reserves: . . . 2,221 Total Liabilites and C a p ita l:................ 23,431 Number of Shares Outstanding .............6,000  Directors:  Donald A. Davis, Rheta Griffith, B. J. Hopson, J. Perry Lee, James B. Sharp, James Baxter Sharp, III  Branches in Town:  None  Other Branches:  None  Arkansas State Bank Clarksville, AR Cravens & Sevier P.O. Box 100 72830-0100  Telephone: 754-6325 Facsimile: 754-7398 Population: 5,833  Charter Number: 722 Date: March 8, 1967 County: Johnson  Trust Department: Yes Bank Holding Company West-Ark Bancshares, Inc., Clarksville, AR  Chm/CEO/Pres: C. W. Kelly EVP: Terry Q. Carson EVP: Bill Landrum  SVP/Cont/Cash: Cameron D. McKeel SVP: Denton Tumbleson VP: Donald M. Stimpson  Cash and Balances Due From Banks: 3,146 Federal Funds and Repos: . ...................... 0 Investm ents:..................................... 53,386 Total L o a n s :.................. 52,043 Bank Premises and Fixed Assets: . . 1,324 Other Real Estate: ..................................... 153 Other Assets: ..................................... 2,015 Total Assets: 112,067 Total Trust Assets: 0  Deposits: .......................................... 100,524 Federal Funds and Borrowings: ............. 1,988 Other L ia b ilitie s :.......................................... 784 Subordinated D e b t:..........................................0 Total Liabilities.................................. 103,296 Total Equity Capital and Reserves: . . . 8,771 Total Liabilites and C a p ita l:................ 112,067 Number of Shares Outstanding . . . . 25,000  Directors:  Sidney L. Brain, James W. Dickerson, Jr., James R. Ford, C. W. Kelly, R. Keith Lewis, David S. Purtle, Ned Ray Purtle, Guy P. Shrigley, Harold Whitson, Dannie Wilkins  Branches in Town:  Two   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Lamar, Hartm an, Booneville  Arkansas S ta te Bank D epartm ent  46  Farmers Bank and T rust Company Clarksville, AR Telephone: 754-2020 Facsimile: 754-3492 Population: 5,833  214 Main Street P.O. Box 288 72830-0288  Charter Number: 737 Date: July 6, 1978 County: Johnson  Trust Department: Yes Bank Holding Company Farmers Investment Corporation, Little Rock, AR  Chm: James C. East CEO: Joe A. Woodson  Pres: Ernest Lee White  Cash and Balances Due From Banks2,480 Federal Funds and R e p o s :........... 1,500 Investments: 34,504 Total L o a n s :................................ 28,655 Bank Premises and Fixed Assets: . . 679 Other Real E s ta te :........................ 1,808 Other A s s e ts :................................ 1,062 Total Assets: ............................. 70,688 Total Trust Assets: .............................867  Deposits: ............................................. 64,437 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.......................................... 418 Subordinated D e b t:..........................................0 Total Liabilities..................................... 64,855 Total Equity Capital and Reserves: . . . 5,833 Total Liabilites and C a p ita l:................ 70,688 Number of Shares Outstanding .............5,495  Directors: James C. East, J. E. Lewis, Robert C. Magee, Steven Morgan, Dayne Phillips, Bill Porter, Ted Riley, J. T. White, Ernest Lee White, Joe A, Woodson Branches in Town:  One  Other Branches:  Coal Hill  Clinton State Bank Clinton, AR Telephone: 745-2441 Facsimile: ext 30 Population: 2,213  202 S. Court P.O. Box 57 72031-0057  Charter Number: 695 Date: Oct. 16, 1946 County: Van Buren  Trust Department: Yes Bank Holding Company Clinton Bancshares, Inc., Clinton, AR  Chm/CEO: Charles W. Sharp Pres: Dois G. "Dyke" Johnson  EVP: Thomas J. "Bud" McKnight TO: Robert E. Barnum  Cash and Balances Due From Banks3,610 Federal Funds and R e p o s :........... 4,950 Investments: 24,629 Total L o a n s:................................ 29,593 Bank Premises and Fixed Assets: . . 587 Other Real E s ta te :................................663 Other A s s e ts :........................................692 Total Assets: ............................. 64,724 Total Trust Assets: ............................... 22  Deposits: ............................................. 59,282 Federal Funds and Borrowings: ................ 248 Other L ia b ilitie s :...........................................339 Subordinated D e b t:..........................................0 Total Liabilities..................................... 59,869  Directors:  Total Equity Capital and Reserves: . . . 4,855 Total Liabilites and C a p ita l:................ 64,724 Number of Shares Outstanding .............4,000  Paul L. Bone, J a y W . Ja ckso n , Joe E. Lee, Roy L. Lefler, Charles W . Sharp  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  One  Other Branches:  Shirley, Fairfield Bay, Dam ascus  47  S eventy-E ighth Report  First Com m unity Bank Conway, AR Telephone: 450-9800 Facsimile: 450-9664 Population: 26,481  1001 Front Street P. O. Box 938 72032-0938  Charter Number: 759 Date: Aug. 15, 1991 County: Faulkner  Member of Federal Reserve System Trust Department: No Bank Holding Company None  Chm: George E. Covington CEO: Marc McCain  VP: Jeff Lynch Oper Officer: Phyllis Long  Cash and Balances Due From Banks: . . 803 Federal Funds and Repos: ................ 1,115 Investm ents:........................................ 8,124 Total L o a n s :........................................ 8,732 Bank Premises and Fixed Assets: . . . . 427 Other Real Estate: .................. 0 Other Assets: .............................................123 Total Assets: 19,324 Total Trust Assets: 0  Deposits: ............................................... 15,706 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :...........................................120 Subordinated D e b t:......................................... 0 Total Liabilities.............................. 15,826 Total Equity Capital and Reserves: . . . 3,498 Total Liabilites and C a p ita l:......... 19,324 Number of Shares Outstanding . . . . 36,000  Directors: Herby Branscum, George E. Covington, Hal Crafton, John Hawks, Robert Linn, Marc McCain, Robert Rook Branches in Town:  Other Branches:  None  M. Hill,  Linda  None  Coming Bank Coming, AR 501 W. Second P.O. Box 439 72422-0439  Telephone: 857-3592 Facsimile: 857-3309 Population: 3,323  Charter Number: 745 Date: June 15, 1984 County: Clay  Trust Department: No Bank Holding Company First Paragould Bankshares, Inc., Paragould, AR  Chm: Larry Brewer CEO/Pres: Donis Simpson V Chm: Kelly Wright EVP: William Allen Cash and Balances Due From Banks: Federal Funds and Repos: Investm ents:............................ Total L o a n s :..................................... Bank Premises and Fixed Assets: . . Other Real Estate: ............... Other Assets: ..................................... Total Assets: Total Trust Assets:  VP/Contr: Lila Shockley VP: Bob Lockwood VP: Louise Coleman 1,343 0 12,485 39,290 . . 602 42 1,122 54,884 0  Deposits: ............................................. 46,488 .......... 2,725 Federal Funds and Borrowings: Other L ia b ilitie s:...........................................374 Subordinated D e b t:..........................................0 Total Liabilities............................. 49,587 Total Equity Capital and Reserves: . . . 5,297 Total Liabilites and C a p ita l:........ 54,884 Number of Shares Outstanding . . . . 10,000  Directors: Larry Brewer, William Brewer, J. C. Cothren, George A. Haynes, Roy McSpadden, J. T. Meriwether, Frank J. Schreit, Jr., Donis Simpson, Charles E. Williamson Branches in Town:  One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Knobel  A rkansas S ta te Bank D ep a rtm e n t  48  First State Bank Crossett, AR Telephone: 364-5131 Facsimile: 364-3126 Population: 6,282  123 Main P.O. Box 638 71635-0638  Charter Number: 718 Date: May 13, 1963 County: Ashley  Trust Department: No Bank Holding Company Evergreen Bancshares, Inc., Crossett, AR  Chm: Richard E. Griffin CEO/Pres: Jimmy V. Fincher SVP/Cash: Cheryl Goodwin  SVP: Jeanie Parker VP: Erma Walker Asst Cash: Margaret Barnett  Cash and Balances Due From Banks.1,848 Federal Funds and R e p o s :.................. 600 Investments: 4,530 Total L o a n s :................................ 15,825 Bank Premises and Fixed Assets: . . 405 Other Real E s ta te :................................ 0 Other A s s e ts :........................................563 Total Assets: ............................. 23,771 Total Trust Assets: ............................. 0  Deposits: ............................................... 21,577 Federal Funds and Borrowings: ...................0 Other L ia b ilitie s :.............................................94 Subordinated D e b t:..........................................0 Total Liabilities....................................... 21,671 Total Equity Capital and Reserves: . . . 2,100 Total Liabilites and C a p ita l:................ 23,771 Number of Shares Outstanding . . . 100,000  Directors: Bill Barnett, Jimmy V. Fincher, Richard Earl Griffin, Marolyn Lloyd, M. D. Daniels, James S. Nolley, C. E. Ripley, Don Rodgers Branches in Town:  One  Other Branches:  None  Danville State Bank Danville, AR Telephone: 495-2236 Facsimile: 495-7765 Population: 1,585  901 Main P.O. Box 609 72833-0609  Charter Number: 615 Date: Oct. 3, 1930 County: Yell  Trust Department: No Bank Holding Company Chambers Bancshares, Inc., Danville, AR  Chm/CEO: John Ed. Chambers, III  Pres: Edward J. Taylor  Cash and Balances Due From Banks3,013 Federal Funds and R e p o s :........... 2,820 Investments: 21,419 Total L o a n s:................................ 65,138 Bank Premises and Fixed Assets: . . 513 Other Real E s ta te :................................190 Other A s s e ts :................................ 1,478 Total Assets: ............................. 94,571 Total Trust Assets: ............................. 0  Deposits: ............................................... 81,992 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :...........................................879 Subordinated D e b t:..........................................0 Total Liabilities............................. 82,871 Total Equity Capital and Reserves: . . 11,700 Total Liabilites and C a p ita l:........ 94,571 Number of Shares Outstanding . . . . 10,000  Directors: John Ed Chambers, III, Lloyd R. George, Fay Mathis, Leon Millsap, James C. Pledger, Edward J. Taylor, Charles Sloan  Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  S eventy-E ighth Report  49  Arkansas Valley Bank Dardanelle, AR Telephone: 229-2151 Facsimile: 229-4598 Population: 3,722  101 South Front Street P.O. Box 330 72834-0330  Charter Number: 714 Date: Aug. 29, 1961 County: Yell  Trust Department: No Bank Holding Company Bankstock Two, Inc., Ozark, AR  Chm: Carl G. Holt CEO: George G. Gleason, II Dpty CEO: Linda D. Gleason Pres-BSC: Mark D. Ross  Pres: Larry M. Dicks VP-Oper: Judy Elliott AVP: Nancy Mooer Cash: Dorthy Geibe  Cash and Balances Due From Banks: 1,381 Federal Funds and Repos: 2,150 Investm ents:........................................ 7,246 Total L o a n s :..................................... 22,244 Bank Premises and Fixed Assets: . . . . 445 Other Real Estate: .....................................465 Other Assets: ....................... 451 Total Assets: 34,382 Total Trust Assets: 0  Deposits: 30,683 Federal Funds and Borrowings: ................77 Other L ia b ilitie s :.......................................... 200 Subordinated D e b t:..........................................0 Total Liabilities............................. 30,960 Total Equity Capital and Reserves: . . . 3,422 Total Liabilites and C a p ita l:........ 34,382 Number of Shares Outstanding . . . . 78,329  Directors: Gilroy S. Cornwell, Larry M. Dicks, George G. Gleason, II, Linda D. Gleason, Carl G. Holt, Rosemary D. Holt, Frank Lawrence, Jr., Gene D. Ring, Mark D. Ross, Rennae Sims, William S. Thornsberry Branches in Town:  One  Other Branches:  None  Bank of Dardanelle Dardanelle, AR Telephone: 229-331 1 Facsimile: 229-4180 Population: 3,722  102 N. Front Street P.O. Box 577 72834-0577  Charter Number: 668 Date: Sep. 12, 1934 County: Yell  Trust Department: No Bank Holding Company Bank of Dardanelle Bankshares, Inc., Dardanelle, AR  Chm/CEO/Pres: H. M. Orsburn VP: V. E. Lambert  VP: Ronald L. Taylor  Cash and Balances Due From Banks: 1,275 Federal Funds and Repos: ................ 3,225 Investments: 38,874 Total Loans: ....................... 22,595 Bank Premises and Fixed Assets: . . . . 504 Other Real Estate: ..................................... 7 Other Assets: .............................................842 Total Assets: 67,322 Total Trust Assets: 0  Deposits: ............................................. 59,289 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.......................................... 419 Subordinated D e b t:..........................................0 Total Liabilities..................................... 59,708 Total Equity Capital and Reserves: . . . 7,614 Total Liabilites and C a p ita l:................ 67,322 Number of Shares Outstanding .............8,000  Directors:  Thomas C. Berryhill, William R. Bullock, Fanny G. George, Evelyn H. Jones, H. Orsburn, Noel VanDover, James W. Wallis  Branches in Town:  One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  M.  Arkansas S tate Bank D epartm ent  50  First State Bank o f DeQueen DeQueen, AR Third & Heynecker P.O. Box 970 71832-0970  Telephone: 642-4423 Facsimile: 642-2847 Population: 4,633  Charter Number: 731 Date: Aug. 26, 1974 County: Sevier  Trust Department: No Bank Holding Company None  Chm: Lou Gray CEO/Pres: Art Melson  SVP: Keith Melson Cash: Barbara Kitchens  Cash and Balances Due From Banks.1,448 Federal Funds and R e p o s :.................... 45 Investments: 11,251 Total L o a n s :................................ 11,949 Bank Premises and Fixed Assets: . . 509 Other Real E s ta te :..................................43 Other A s s e ts :....................................... 391 Total Assets: ............................. 25,636 Total Trust Assets: ............................. 0  Deposits: ............................................... 22,717 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :.......................................... 207 Subordinated D e b t:......................................... 0 Total Liabilities............................. 22,924 Total Equity Capital and Reserves: . . . 2,712 Total Liabilites and C a p ita l:........ 25,636 Number of Shares Outstanding . . . . 76,000  Directors: Gary Bell, Tim Brotherton, Lou Gray, R. S. Harris, Art Melson, Keith Melson, Ron Moore, Edward Revels, Dennis Smiley, Don Stemple Branches in Town::  One  Other Branches: None  D eW itt Bank and Trust Company DeWitt. AR Telephone: 946-35531 Facsimile: 946-2815 Population: 3,553  Second and Jefferson Streets P.O. Drawer 71 72042-0071  Charter Number: 605 Date: March 1, 1929 County: Arkansas  Trust Department: Yes Bank Holding Company DBT Financial Corporation, DeWitt, AR  Chm: Elmer A. Ferguson CEO/Pres: Gary Hudson V Chm: Julian Brown EVP: Phil Stark  VP-Audit: Terry L. McCullars VP/TO: Dean Bell VP: Nancy F. Rasco  Cash and Balances Due From Banks1,482 Federal Funds and R e p o s :.................. 800 Investments: 36,205 Total L o a n s :................................ 39,465 Bank Premises and Fixed Assets: . . 659 Other Real E s ta te :..................................62 Other A s s e ts :................................ 1,667 Total Assets: ............................. 80,340 Total Trust Assets: ................... 20,518  Deposits: 65,400 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :.......................................... 381 Subordinated D e b t:..........................................0 Total Liabilities.............................. 65,781 Total Equity Capital and Reserves: . . 14,559 Total Liabilites and C a p ita l:........ 80,340 Number of Shares Outstanding . . . . 54,000  Directors: W. H. Botts, Julian Brown, E. E. Denman, Ray D. Dickson, Elmer A. Ferguson, Alton R. Hampton, Wayne Hampton, Gary Hudson, Charles G. Lumsden, Charles W. Rasco, III, Nancy F. Rasco, Jack Whitmore Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  51  S eventy-E ighth Report  Decatur State Bank Decatur, AR Telephone: 752-3281 Facsimile: None Population: 918  Hwy. 59 N. P.O. Box 38 72722-0038  Charter Number: 707 Date: May 27, 1954 County: Benton  Trust Department: No Bank Holding Company Decatur Bancshares, Inc., Decatur  Chm: Lloyd E. Peterson CEO/Pres: Vernon L. Austin VP: Paul Galyean  VP: Wanda R. Tormey VP: Bill Montgomery  Cash and Balances Due From Banks: 2,980 Federal Funds and Repos: ........................100 Investm ents:....................................... 6,644 Total L o a n s :..................................... 38,646 Bank Premises and Fixed Assets: . . . . 841 Other Real Estate: ....................................... 16 Other Assets: .............................................616 Total Assets: 49,843 Total Trust Assets: 0  Deposits: ............................................... 42,153 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:...........................................192 Subordinated D e b t:..........................................0 Total Liabilities ..................................... 42,345 Total Equity Capital and Reserves: . . . 7,498 Total Liabilites and C a p ita l:........ 49,843 Number of Shares Outstanding . . . . 70,000  Directors:  Vernon Austin, Larry Curran, Tom Edmiston, L. Victor Evans, Paul Galyearn, Dorothy M. Peterson, Lloyd E. Peterson, Richard E. Wilmoth  Branches  in  Town:  None  Other Branches:  Gentry  Bank of Delight Delight, AR Telephone: 379-2293 Facsimile: 379-2295 Population: 311  P.O. Box 68 71940-0068  Charter Number: 342 Date: June 16, 1911 County: Pike  Trust Department: No Bank Holding Company None  Chm: Clarence Anthony CEO/Pres: Olen Hendrix EVP: Darwin Hendrix SVP: Gus Wingfield  VP: Larry May VP: Gerald Hendrix VP: Gary McCauly Cash: Jan Mitchell  Cash and Balances Due From Banks: 1,469 Federal Funds and Repos: ................ 2,500 Investm ents:.......................... 28,561 Total L o a n s :....................... 14,891 Bank Premises and Fixed Assets: . . . . 300 Other Real Estate: ....................................... 23 Other A s s e ts :.......................... 1,163 Total Assets: 48,907 Total Trust Assets: 0  Deposits: ............................................. 44,304 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:.......................................... 424 Subordinated Debt: . ........................................0 Total Liabilities............................. 44,728 Total Equity Capital and Reserves: . . . 4,179 Total Liabilites and C a p ita l:........ 48,907 Number of Shares Outstanding . . . . 18,750  Directors: Clarence Anthony, Buford Hendrix, Darwin Hendrix, Gerald Hendrix, Olen Hendrix, Cecil E. Johnson, III, Larry May, Gus Wingfield Branches  in  Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  P rescott  52  A rkansas S ta te Bank D epartm ent  D erm ott State Bank Dermott, AR Telephone: 538-3266 Facsimile: 538-5468 Population: 4,715  108 Speedway East P.O. Box C 71638-0803  Charter Number: 672 Date: July 8, 1935 County: Chicot  Trust Department: Yes Bank Holding Company DSB Bancshares, Inc., Dermott, AR  Chm: John M. Baxter CEO/Pres: Greg Miller VP-Loans: Margaret Brannon  VP-Oper: Catherine M. Lay Cash: Barbara Hicks TO: Joy Lagarone  Cash and Balances Due From Banks: 477 Federal Funds and R e p o s :.................. 550 Investments: 12,251 Total L o a n s:.................................. 3,992 Bank Premises and Fixed Assets: . . 284 Other Real E s ta te :.................................. 10 Other A s s e ts :....................................... 283 Total Assets: ............................. 17,847 Total Trust Assets: ............................. 102  Deposits: ............................................... 15,155 Federal Funds and Borrowings: ............... 85 Other L ia b ilitie s :...........................................196 Subordinated D e b t:..........................................0 Total Liabilities...............................15,436 Total Equity Capital and Reserves: . . . 2,411 Total Liabilites and C a p ita l:..........17,847 Number of Shares Outstanding . . . . 18,000  Directors: John M. Arnn, John Jeffrey Baxter, John M. Baxter, W. A. Baxter, Frank Henry, Jr., Clarence Horton, Bernard Levi, Lawrence Levi, Greg Miller, James Suitt Branches in Town:  None  Other Branches:  None  First State Bank of D erm ott Dermott, AR Telephone: 538-3221 Facsimile: 538-3787 Population: 4,715  Freeman & Peddicord P.O. Drawer 0 71638-0815  Charter Number: 732 Date: Oct. 15, 1976 County: Chicot  Trust Department: No Bank Holding Company First Delta Financial Corporation, Dermott, AR  Chm: H. W. Thomas CEO/Pres: Tom H. Grumbles  EVP: Mary K. Tucker Cash: Betty Morse  Cash and Balances Due From Banksil,248 Federal Funds and R e p o s :.................. 800 Investments: 8,527 Total L o a n s :................................ 11,206 Bank Premises and Fixed Assets: . . 321 Other Real E s ta te :..................................28 Other A s s e ts :....................................... 594 Total Assets: ............................. 22,724 Total Trust Assets: ............................. 0  Deposits: ................................................19,835 Federal Funds and Borrowings: ............. 224 Other L ia b ilitie s :.......................................... 223 Subordinated D e b t:..........................................0 Total Liabilities............................. 20,282 Total Equity Capital and Reserves: . . . 2,442 Total Liabilites and C a p ita l:........ 22,724 Number of Shares Outstanding . . . . 15,000  Directors: R. H. Dennington, Robert B. Gibson, Thomas H. Grumbles, Daniel C. Horton, Don C. Scott, H. W. Thomas, Mary K. Tucker Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  53  S e ve n ty Eighth Report  Farmers & M erchants Bank Des Arc, AR Telephone: 256-4191 Facsimile: 256-4582 Population: 2,001  110 S, Third Street P.O. Box 369 72040-0369  Charter Number: 84 Date: Jan. 20, 1902 County: Prairie  Trust Department: Yes Bank Holding Company Security Bancshares, Inc., Des Arc, AR  Chm: Henry L Nichols  CEO/PresrrO: Sherod S. White  Cash and Balances Due F ro m Banks: 1,269 Federal Funds and Repos: . . . . . 270 Investm ents:.................. 19,030 Total Loans: . . . . . . . . . 16,492 Bank Premises andFixedA s s e ts : . . . . 368 Other Real Estate: ............. ..... 0 Other A s s e ts :........... .... .................. 716 ........... ............. 38,145 Total Assets: Total Trust Assets: . . 10,426  Deposits: 27,515 Federal Funds and Borrowings: ..................0 Other Liabilities: ...........................................203 Subordinated Debt: .......................................... 0 Total Liabilities . ................ 27,718 Total Equity Capital and Reserves: . . 10,427 Total Liabilites and C a p ita l:......... 38,145 Number of Shares Outstanding . . . . 78,819  Directors:  V. 0. Calhoun, George Ford, Donald Guess, Robert L. Morton, Graham P. Mullen, Henry L. Nichols, L. A. Richmond, James N. Thomason, Sherod S. White  Branches in Town:  None  Other Branches:  None  Dumas State Bank Dumas, AR Telephone: 382-4204 Facsimile: 382-2084 Population: 5,520  Hwy. 65 & 54 P.O. Box 700 71639-0700  Charter Number: 729 Date: Jan. 11,1974 County: Desha  Trust Department: Yes Bank Holding Company Dumas Bancshares, Inc., Dumas, AR  VP: William A. West VP/Cash: Anita Grimes  Chm/CEO/Pres/TO: James R. Hall EVP/Sec: Dennis Ferguson Cash and Balances Due From Banks: Federal Funds and Repos: ...... Investm ents:....................... Total Loans: Bank Premises and Fixed Assets: . . Other Real Estate: . . . . Other Assets: ........................ Total Assets: Total Trust Assets:  . . 976 5,165 6,279 13,119 . . 387 51 414 26,391 252  Deposits: 23,815 .................. 1 Federal Funds and Borrowings: Other Liabilities: ........................................ 115 Subordinated D e b t:............................... . . . 0 Total Liabilities ..................................... 23,931 Total Equity Capital and Reserves: . . . 2,460 Total Liabilites and C a p ita l:......... 26,391 Number of Shares Outstanding . . . . 30,000  Directors:  Dennis H. Ferguson, A. 0. French, James R. Hall, Howard R. Harris, Dorothy P. Moore, Merle F. Peterson, William F. Teeter, Herman Vickers, William A. West  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  A rkansas S tate Bank D epartm ent  54  M erchants & Farmers Bank Dumas, AR Telephone: 382-4311 iFacsimile: 382-5901 Population: 5,520  130 W. Waterman Street P.O. Box 187 71639-0187  Charter Number: 278 Date: May 10, 1909 County: Desha  Trust Department: Yes Bank Holding Company M & F Financial Corporation, Dumas, AR  Chm/CEO: Loral M. Adcock Pres: J. Michael Jones  EVP: David J. Garrett VP/TO: Brian L. Payne  Cash and Balances Due From Banks2,688 Federal Funds and Repos: . . . . 1 2,470 Investments: 10,325 Total L o a n s :................................ 26,104 Bank Premises and Fixed Assets: . . 916 Other Real E s ta te :................................150 Other A s s e ts :....................................... 763 Total Assets: ............................. 53,416 Total Trust Assets: ................... 12,372  Deposits: 46,325 .................. 0 Federal Funds and Borrowings: Other L ia b ilitie s :...........................................229 Subordinated D e b t:..........................................0 Total Liabilities............................. 46,554 Total Equity Capital and Reserves: . . . 6,862 Total Liabilites and C a p ita l:..........53,416 Number of Shares Outstanding . . . . 40,000  Directors:  Ashton Adcock, Loral M. Adcock, J. E. Allmon, Charles H. Dante, Claud T. Frank, Marion S. Gill, Harold L. Jones, J. Michael Jones, Clifton L. Meador, William W. Shea, David Walt  Branches in Town:  None  Other Branches:  None  First Southern Bank Earle, AR Telephone: 792-8613 Facsimile: 735-8860 Population: 3,395  801 Commerce Street P.O. Box 248 72331-0248  Charter Number: 696 Date: April 24, 1947 County: Crittenden  Trust Department: Yes Bank Holding Company Earle Bankshares, Inc., Earle, AR  Chm: W. P. Morrison  CEO/Pres: John E. Gregson  Cash and Balances Due From Banks?! ,830 Federal Funds and R e p o s :........... 1,500 Investments: 9,274 Total L o a n s :................................ 22,199 Bank Premises and Fixed Assets: 1,037 Other Real E s ta te :................................270 Other A s s e ts :........................................539 Total Assets: ............................. 36,649 Total Trust Assets: ............................. 0  Deposits: ............................................. 30,272 Federal Funds and Borrowings: .................... 0 Other L ia b ilitie s :...........................................243 Subordinated D e b t:..........................................0 Total Liabilities............................... 30,515 Total Equity Capital and Reserves: . . . 6,134 Total Liabilites and C a p ita l:......... 36,649 Number of Shares Outstanding . . .100,000  Directors:  John E. Gregson, Chris Lehman, John T. Morrison, Joseph M. Morrison, W. P. Morrison, W. Price Morrison, Jr., James H. Taylor, Jr., David S. Wallace  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  C ra w ford sville , M arion  55  S eventy-E ighth Report  The Delta State Bank Elaine, AR Telephone: 827-3397 Facsimile: None Population: 846  128 Main Street P.O. Box 595 72333-0595  Charter Number: 697 Date: Dec. 30, 1947 County: Phillips  Trust Department: No Bank Holding Company None  CEO/Pres: Mary Louise Demoret Fiser Cash and Balances Due From Banks: 1,175 Federal Funds and Repos: . ..................... 401 Investm ents:............................................... 330 Total L o a n s :............................................... 259 Bank Premises and Fixed Assets: 0 Other Real Estate: ..................................... 0 Other Assets: ............................................... 15 Total Assets: 2,180 Total Trust Assets: 0  Directors:  Deposits: ..................................................1,026 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :............................................... 0 Subordinated Debt: .......................................... 0 Total Liabilities..........................................1,026 Total Equity Capital and Reserves: . . . 1,154 Total Liabilites and C a p ita l:.....................2,180 Number of Shares Outstanding ............. 1,600  Mary Louise Demoret Fiser, V. Poindexter Fiser, Esley E. Johnson, Lamar Marks  Branches in Town:  None  Other Branches:  None  The Exchange Bank and Trust Company El Dorado, AR Telephone: 862-6683 Facsimile: 862-6688 Population: 23,146  214 N. Washington P. 0. Box 641 71731-0641  Charter Number: 658 Date: Aug. 12, 1933 County: Union  Trust Department: Yes Bank Holding Company FDH Bancshares, Inc., Little Rock, AR  CEO/Pres: John Sinclair Cash and Balances Due From Banks: 3,783 Federal Funds and Repos: 6,030 Investm ents:..................................... 45,229 Total L o a n s :..................................... 42,435 Bank Premises and Fixed Assets: . . 1,684 Other Real Estate: ....................................... 79 Other Assets: ..................................... 2,737 Total Assets: ..................................... 101,977 Total Trust Assets: 23,641  Deposits: 88,235 Federal Funds and Borrowings: ......... 1,196 Other L ia b ilitie s :.......................................... 869 Subordinated D e b t:..........................................0 Total Liabilities............................. 90,300 Total Equity Capital and Reserves: . . 11,677 Total Liabilites and C a p ita l:......101,977 Number of Shares Outstanding . . . . 40,000  Directors:  Ted Davis, James Garrison, George Haefner, Edward Hurley, D. R. James, Rodney Landes, John Meadows, B. G. McGuire, Bob Shepard, Jim Shepard, John Sinclair, John Solomon, Robert P. Taylor, Jeff Teague, Gerald Young  Branches in Town:  One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  H u ttig  A rkansas S ta te Bank D epartm ent  56  The Bank o f Elkins Elkins, AR Telephone: 643-2131 Facsimile: 643-2651 Population: 692  348 North Center P.O. Box 333 72727-0333  Charter Number: 377 Date: June 1, 1912 County: Washington  Trust Department: No Bank Holding Company Community Investment, Inc., Elkins, AR  Chm/CEO: Joel L. Bunch Pres: Joyce R. Bunch VP: Sarah Bunch VP: Randall D. Harper  VP: Patricia A. Eaton Cash: Shirley J. Boyd Asst Cash: Margie R. Eaton  Cash and Balances Due From Banks: 701 Federal Funds and R e p o s :.................. 525 Investments: 11,157 Total L o a n s :................................ 21,116 Bank Premises and Fixed Assets: . . 819 Other Real E s ta te :................................ 0 Other A s s e ts :....................................... 425 Total Assets: ............................. 34,743 Total Trust Assets: ............................. 0  Deposits: ............................................... 31,445 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :....................................... 107 Subordinated D e b t:..........................................0 Total Liabilities.............................. 31,552  Directors:  Total Equity Capital and Reserves: . . . 3,191 Total Liabilites and C a p ita l:........ 34,743 Number of Shares Outstanding . . . . 10,000  Joel L. Bunch, Joyce R. Bunch, Sarah L. Bunch, David R. Malone, Miller Williams  Branches in Town:  One  Other Branches:  Goshen  Bank o f England England, AR Telephone: 842-2555 Facsimile: 842-2422 Population: 3,351  123 S. Main Street P.O. Box 70 72046-0070  Charter Number: 48 Date: Aug. 8, 1898 County: Lonoke  Trust Department: No Bank Holding Company None  Chm/CEO/Pres: Gary Canada, Sr. VP: Otha Frizzell  VP: Bob Montgomery Oper/Cash: Sheila Rice  Cash and Balances Due From Banks.1,474 Federal Funds and R e p o s :........... 1,235 Investments: 6,121 Total L o a n s :................................ 21,720 EJank Premises and Fixed Assets: . . 389 Other Real E s ta te :................................ 0 Other A s s e ts :....................................... 620 Total Assets: ............................. 31,559 Total Trust Assets: ............................. 0  Deposits: ............................................. 28,597 Federal Funds and Borrowings: . .... ............0 Other L ia b ilitie s:....................................... 185 Subordinated D e b t:..........................................0 Total Liabilities............................. 28,782  Directors:  Total Equity Capital and Reserves: . . . 2,777 Total Liabilites and C a p ita l:......... 31,559 Number of Shares Outstanding . . . . 10,000  G ary Canada, S r., Hanna B. Canada, Otha Frizzell, T hom as M urchison, Sr.  Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  57  S eventy-E ighth Report  The Eudora Bank Eudora, AR 111 N. Main Street P.O. Box 270 71640-0270  Telephone: 355-831 1 Facsimile: 355-8509 Population: 3,155  Charter Number: 629 Date: Dec. 23, 1930 County: Chicot  Trust Department: No Bank Holding Company Delta Bancshares, Inc., Eudora, AR  Chm: W. K. Grubbs VChm: Charles F. Poole  CEO/Pres: Gene Keith VP/Cash: Claudene Stephens  Cash and Balances Due From Banks: Federal Funds and Repos: Investments: . . . . . . Total Loans: . Bank Premises and Fixed Assets: . . Other Real Estate: ............. Other Assets: . .............. ............. Total Assets: Total Trust Assets:  , . 719 0 13,804 9,333 . . 604 0 370 24,830 0  Deposits: ............................................. 20,647 Federal Funds and Borrowings: .......... 1,000 Other L ia b ilitie s:.............................................99 Subordinated D e b t:......................................... 0 Total Liabilities.............................. 21,746 Total Equity Capital and Reserves: . . . 3,084 Total Liabilites and C a p ita l:........ 24,830 Number of Shares Outstanding . . . . 14,000  Directors: Robert D. Avery, W. K. Grubbs, Roger D Hensley, Gene Keith, Charles F. Poole, R. Selman, Fred A . Woodall Branches in  T ow n: None  Other Branches:  W.  None  Bank of Eureka Springs Eureka Springs, AR 70 S. Main P.0 Box 309 72632-0309  Telephone: 253-8241 Facsimile: 253-6947 Population: 1,900  Charter Number: 374 Date: May 4, 1912 County: Carroll  Trust Department: No Bank Holding Company None  Chm: Lewis E. Epley CEO/Pres: W King Gladden VP: Gary Kleek  VP: Diane McClelland VP: Dave Baker  Cash and B a la n c e s Due F ro m Banks: 2 , 2 5 6 Federal F u n d s a n d R e p o s : . ............................ 5 0 0 Investments: .................. .... 19,160 Total Loans: 33,621 Bank Premises a n d Fixed Assets: . . . . 507 Other Real Estate: . . . ..... . . 69 Other Assets: . .......................... 777 Total Assets.... .... 56,890 Total Trust Assets: . . ..... 0  Deposits: ............. 50,225 Federal Funds and Borrowings: ..................... 0 Other L ia b ilitie s :............. .. . . , ..............348 Subordinated Debt: . . . . . . . . 0 Total Liabilities . . . . . . . . . . . . . . . 50,573 Total Equity Capital and Reserves: . . . 6,317 Total Liabilites and C a p ita l:................ 56,890 Number of Shares Outstanding .............4,000  Directors: James D. Bird, A. J. Clark, Claude C. Cross, Ruth F. Cross, Lewis E. Epley, W. King Gladden, Wavne Johnson, Dorothy F, Mathews Michael F. Mathews, Eagle Thomas, Smead Walden Branches  in T o w n : One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Holiday Island  58  A rkansas S ta te Bank D epartm ent  Bank o f Evening Shade Evening Shade, AR Telephone: 266-3215 Facsimile: 266-3514 Population: 328  Hwy 167 South P.O. Box 130 72532-0130  Charter Number: 69 Date: Feb. 5, 1901 County: Sharp  Trust Department: No Bank Holding Company Sharp Bancshares, Inc., Cave City, AR  Chm: James M. Street  CEO: A. L. Hoaney  Cash and Balances Due From Banks: 545 Federal Funds and R e p o s :.................. 510 Investments: 2,607 Total L o a n s :.................................. 5,761 Bank Premises and FixedAssets: . . 151 Other Real E s ta te :................................ 3 Other A s s e ts :........................................122 Total Assets: ................................ 9,699 Total Trust Assets: ............................. 0  Deposits: ..................................................8,667 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s:.............................................35 Subordinated D e b t:..........................................0 Total Liabilities..........................................8,702 Total Equity Capital and Reserves: . . . . 997 Total Liabilites and C a p ita l:.....................9,699 Number of Shares Outstanding .............6,200  Directors: Samuel F. Beller, Clifton Crabtree, A. L. Hoaney, Eugene Street, James E. Street, James M. Street Branches in Town:  None  Other Branches:  None  Citizens Bank o f N orthw est Arkansas Fayetteville, AR Telephone: 521-8000 Facsimile: 521-8086 Population: 42,099  3500 North College P. O. Box 1407 72702-1407  Charter Number: 760 Date: Aug. 16, 1991 County: Washington  Trust Department: No Bank Holding Company Citizens Holding Company, Muskogee, OK  Chm: Richard Black  CEO: Dick McLelland  Cash and Balances Due From Banks3,275 Federal Funds and R e p o s :................... 0 Investments: 29,823 Total L o a n s :................................ 24,748 Bank Premises and Fixed Assets: 1,828 Other Real E s ta te :................................ 0 Other A s s e ts :................................ 2,937 Total Assets: ............................. 62,61 1 Total Trust Assets: ............................. 0  Deposits: 54,978 Federal Funds and Borrowings: ............. 975 Other L ia b ilitie s :.......................................... 408 Subordinated D e b t:..........................................0 Total Liabilities............................. 56,361 Total Equity Capital and Reserves: . . . 6,250 Total Liabilites and C a p ita l:......... 62,611 Number of Shares Outstanding . . . . 25,000  Directors:  Richard Black, Lee Buddrus, Albert R. Hurley, David Jones, Gerald Jones, Dick McLelland, Francis Rooney, III  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  One  Other Branches:  Rogers  59  S eventy-E ighth Report  M cllroy Bank & Trust Fayetteville, AR Telephone: 575-1000 Facsimile: 575-1061 Population: 42,099  One Mcllroy Plaza P.O. Box 1327 72702-1327  Charter Number: 31 Date: Dec. 24, 1892 County: Washington  Trust Department: Yes Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR  Chm: Jim Walton CEO/Pres: James C. Glen SVP-Oper: Warren Fields  SVP-Loans: Gary Head SVP-Retail: Kim Simpson  Cash and Balances Due From Banks: 13,587 Federal Funds and Repos: 1,650 Investm ents:..................................... 56,821 Total L o a n s :....................................... 166,140 Bank Premises and Fixed Assets: . . 2,747 Other Real Estate: ..................... 854 Other Assets: ..................................... 2,980 Total Assets: 244,779 Total Trust Assets: 0  Deposits: 216,511 Federal Funds and Borrowings: .............7,451 Other L ia b ilitie s:....................................... 1,778 Subordinated D e b t:......................................... 0 Total Liabilities.................................. 225,740 Total Equity Capital and Reserves: . . 19,039 Total Liabilites and C a p ita l:............. 244,779 Number of Shares Outstanding . . . 350,692  Directors: Larry Bittle, Cary Collier, James C. Glen, Millard Goff, Ann Henry, James D. Mashburn, Paul Pinneo, Charles Scharlau, James Stewert, Fred S. Vorsanger, Jim Walton, Jim Bob Wheeler Branches in Town:  Four  Other Branches:  None  The First State Bank of Fordyce Fordyce, AR Telephone: 352-2101 Facsimile: 352-2602 Population: 4,729  223 Main Street P. 0, Box 770 71742 0272  Charter Number: 749 Date: Aug. 22, 1989 County: Dallas  Trust Department: Yes Bank Holding Company FDH Bancshares, Inc,, Little Rock, AR  Chm/CEO/Pres: U. W. Mullins, Jr. SVP/Cash: Sheila Harrison  VP: David Ramer  Cash and Balances Due From Banks: 1,307 Federal Funds and Repos: ................ 4,500 Investm ents:..................................... 19,916 Total L o a n s :..................................... 14,667 Bank Premises and Fixed Assets: . . . . 454 Other Real Estate: .....................................283 Other Assets: ..................................... 1,422 Total Assets: 42,549 Total Trust Assets: 0  Deposits: ............................................. 38,246 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.......................................... 374 Subordinated Debt: .......................................... 0 Total Liabilities..................................... 38,620 Total Equity Capital and Reserves: . . . 3,929 Total Liabilites and C a p ita l:................ 42,549 Number of Shares Outstanding .............8,000  Directors: Jack Brent, Allen Bedell, Bill Clark, Edward Cullum, Carolyn Jenkins, U. W. Mullins, Jr., Gerald Nutt, Robert Taylor, Ellen Vineyard Branches in Town:  Two   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  (50  A rkansas S ta te Bank D epartm ent  Fordyce Bank & Trust Company Fordyce, AR Telephone: 352-3107 Facsimile: 352-5202 Population: 4,729  200 W. Fourth Street P. O. Box 352 71742-0352  Charter Number: 631 Date: Jan. 5, 1931 County: Dallas  Trust Department: Yes Bank Holding Company FBT Bancshares, Inc., Fordyce, AR  Chm/CEO/Pres: Curtis Hutchins SVP: Suzette Crutchfield  SVP/TO: James V. Hulse, Jr. VP: Wanda Smurl  Cash and Balances Due From Banks3,814 Federal Funds and R e p o s :........... 1,556 Investments: 19,694 Total L o a n s :............................... 20,024 Bank Premises and Fixed Assets: . . 940 Other Real E s ta te :..................................30 Other A s s e ts :....................................... 710 Total Assets: ............................. 46,768 Total Trust Assets: .............................820  Deposits: ............................................. 40,395 Federal Funds and Borrowings: ............. 1,929 Other L ia b ilitie s :.......................................... 248 Subordinated D e b t:..........................................0 Total Liabilities..................................... 42,572 Total Equity Capital and Reserves: . . . 4,196 Total Liabilites and C a p ita l:................ 46,768 Number of Shares Outstanding .............8,000  Directors: D. J. Barnes, Joe Barnes, E. C. Benton, Jr., Sarah Kathryn Benton, Suzette Crutchfield, J. H. Everett, J. W. Hearnsberger, James V. Hulse, Jr., Curtis Hutchins, Roy McClain, C. B. Trussell, L. Weems Trussed Branches in Town:  Two  Other Branches:  None  Planters Bank and T rust Company Forrest City, AR 321 N. Rosser Street P.O. Box 1539 72335-1539  Telephone: 633-2833 Facsimile: 633-2894 Population: 13,364  Charter Number: 521 Date: April 15, 1921 County: St. Francis  Trust Department: Yes Bank Holding Company None  Chm/CEO/Pres: Frankie Pratt EVP: J. C. Campbell SVP/CFO: Kim Linam VP: Diane Thomason  VP: David Hardke Cash/Oper: Donna Garner TO: Nelle Surguine  Cash and Balances Due From Banks4,910 Federal Funds and R e p o s :........... 2,400 Investments: 23,595 Total L o a n s :................................ 25,722 Bank Premises and Fixed Assets: 1,366 Other Real E s ta te :............................... 413 Other A s s e ts :....................................... 677 Total Assets: ............................. 59,083 Total Trust Assets: ............................. 133  Deposits: ............................................. 52,027 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:.......................................... 318 Subordinated D e b t:..........................................0 Total Liabilities............................. 52,345 Total Equity Capital and Reserves: . . . 6,738 Total Liabilites and C a p ita l:........ 59,083 Number of Shares Outstanding . . . . 24,000  Directors: J. C. Campbell, John V. Casbeer, J.  R. Chappell, Jr., Oral Edwards, J. R. Grobmyer,  David Hardke, Frankie Pratt, Rex B. Twist Digitized for Branches FRASER in Town: One http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  C o tto n Plant, DeValls B lu ff  61  S eventy-E ighth Report  Planters & Merchants Bank Gillett, AR 320 Main P.O. Box 357 72055-0357  Telephone: 548-2211 Facsimile: 548-2213 Population: 883  Charter Number: 721 Date: Jan. 13, 1967 County: Arkansas  Trust Department: Yes Bank Holding Company Planters & Merchants Bancshares, Inc., Gillett, AR  Chm: Kenneth Smith CEO/Pres/TO: Larry E. Bauer  VP: Lloyd E. Wallace Cash: Alice Perritt  Cash and Balances Due From Banks: Federal Funds and Repos: Investm ents:........................................ Total L o a n s :..................................... Bank Premises and Fixed Assets: . . Other Real Estate: ............. Other Assets: ....................... Total Assets: Total Trust Assets:  . . 581 1,495 2,419 13,400 . . 223 131 463 18,712 538  Deposits: 16,608 Federal Funds and Borrowings: ..................0 159 Other L ia b ilitie s :.................... Subordinated D e b t:..........................................0 Total Liabilities...............................16,767 Total Equity Capital and Reserves: . . . 1,945 Total Liabilites and C a p ita l:..........18,712 Number of Shares Outstanding . . . . 12,000  Directors: Larry E. Bauer, Johnny Helzhauer, Darrel Nichols, Scott Place, Darrall Richter, Kenneth Smith, Bobby Turner, Frank C. Wolfe Branches in Town:  None  Other Branches:  None  The Bank of Glenwood Glenwood, AR Telephone: 356-2121 Facsimile: 356-221 1 Population: 1,354  Broadway & Pulliam P.O. Box O 71943-0813  Charter Number: 398 Date: Dec. 27, 1912 County: Pike  Trust Department: No Bank Holding Company Bainum Bancorp, Glenwood, AR  Chm: Irvin C. Banium CEO/Pres: Harold Smith SVP: Lynda Robbins VP: Kathryn Baxter  VP: Jim Arrington AVP: Kathy O'Neal Cash: Pat Owens  Cash and Balances Due From Banks: 1,091 Federal Funds and Repos: 1,000 Investm ents:........................................ 8,810 Total L o a n s :....................... 27,343 Bank Premises and Fixed Assets: . . . . 731 Other Real Estate: ............... 36 Other Assets: ............................... 385 Total Assets: 39,396 Total Trust Assets: 0  Deposits: ............................................. 35,056 Federal Funds and Borrowings: ................ 279 Other L ia b ilitie s:...........................................115 Subordinated D e b t:..........................................0 Total Liabilities..................................... 35,450 Total Equity Capital and Reserves: . . . 3,946 Total Liabilites and C a p ita l:................ 39,396 Number of Shares Outstanding .............4,000  Directors: Irvin C. Banium, Mark Banium, Richard Cox, Victor H. Cox, Harold A. Smith, L. J. Warneke, Roy Wisener Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  A rkansas S ta te Bank D epartm ent  62  First State Bank Gould, AR Telephone: 263-4325 Facsimile: 263-4684 Population: 1,470  340 S. Main Street P.O. Drawer A 71643-0801  Charter Number: 719 Date: Jan. 6, 1964 County: Lincoln  Trust Department: No Bank Holding Company Dumas Bancshares, Inc., Dumas, AR  Chm/CEO/Pres: James R. Hall VP/Aud: Dennis Ferguson VP: Dwayne R. Snyder  AVP: Pat Rook Cash: Donna Robertson  Cash and Balances Due From Banks3,025 Federal Funds and R e p o s :........... 4,285 Investments: 3,842 Total L o a n s :.................................. 7,601 Bank Premises and Fixed Assets: . . 595 Other Real E s ta te :................................ 0 Other A s s e ts :........................................253 Total Assets: ............................. 17,601 Total Trust Assets: ............................. 0  Deposits: ................................................16,004 Federal Funds and Borrowings: ................50 Other L ia b ilitie s :....................................... 141 Subordinated D e b t:..........................................0 Total Liabilities...............................16,195 Total Equity Capital and Reserves: . . . 1,406 Total Liabilites and C a p ita l:..........17,601 Number of Shares Outstanding . . . . 24,000  Directors: Don Eifling, A. O. French, Jr., James R. Hall, Victor Holthoff, Stanley Norris, John H. Rogers, John Shannon Branches in Town:  None  Other Branches:  Grady, Star City  Bank o f Gravett Gravette, AR Telephone: 787-5251 Facsimile: 787-6102 Population: 1,412  211 East Main P.O. Box 160 72736-0160  Charter Number: 46 Date: Feb. 28, 1898 County: Benton  Trust Department: No Bank Holding Company None  CEO/Pres: John R. Meade EVP: David N. Wills  VP: William R. (Bill) Meade VP: Jim A. Edmondson  Cash and Balances Due From Banks3,130 Federal Funds and R e p o s :........... 3,050 Investments: 31,572 Total L o a n s :................................ 37,484 Bank Premises and Fixed Assets: . . 553 Other Real E s ta te :................................105 Other A s s e ts :................................ 1,185 Total Assets: ............................. 77,079 Total Trust Assets: ............................. 0  Deposits: ............................................. 65,994 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :...........................................623 Subordinated D e b t:..........................................0 Total Liabilities....................................... 66,617 Total Equity Capital and Reserves: . . 10,462 Total Liabilites and C a p ita l:................ 77,079 Number of Shares Outstanding .............4,000  Directors: Phillip Chastain, Geroge Cowgur, Albert Dunagin, Jim Allen Edmondson, George Haley, John R. Meade, William R. Meade, David N. Wills Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  63  S eventy-E ighth Report  Farmers Bank Greenwood, AR Telephone: 996-4171 Facsimile: 996-6700 Population: 3,984  125 West Center P.O. Box 610 72936-0610  Charter Number: 243 Date: Aug. 7, 1907 County: Sebastian  Trust Department: Yes Bank Holding Company Wilkinson Banking Corporation, Greenwood, AR  Chm/CEO/Pres: Elizabeth Wilkinson  TO: Edward Wilkinson  Cash and Balances Due From Banks: 1,227 Federal Funds and Repos: 150 Investm ents:..................................... 49,708 Total L o a n s :..................................... 38,783 Bank Premises and Fixed Assets: . . 1,014 Other Real Estate: ..................................... 144 Other Assets: ....................... 1,453 Total Assets: 92,479 Total Trust Assets: 667  Deposits: ............................................. 77,823 Federal Funds and Borrowings: ...........1,820 Other L ia b ilitie s:.......................................... 832 Subordinated D e b t:......................................... 0 Total Liabilities..................................... 80,475  Directors:  Total Equity Capital and Reserves: . . 12,004 Total Liabilites and C a p ita l:................ 92,479 Number of Shares Outstanding .............7,500  Tresa Gamble, Edward Wilkinson, Elizabeth Wilkinson, Norman Wilkinson, Stanhope  Wilkinson  Branches in Town:  One  Other Branches:  Bonanza, Hackett, Hartford  First State Bank of Gordon Gurdon, AR Telephone: 353-2521 Facsimile: 353-2314 Population: 2,100  100 E. Main P.O. Box 446 71743-0446  Charter Number: 61 Date: Aug. 4, 1900 County: Clark  Trust Department: No Bank Holding Company None  Chm: Charles L. Cabe CEO/Pres: Fred Reed  VP-Loans: Carroll Coston VP/Cash: Linda Bittle  Cash and Balances Due From Banks: 1,422 Federal Funds and Repos: 0 Investm ents:..................................... 10,145 Total L o a n s :..................... 14,417 Bank Premises and Fixed Assets: . . . . 849 Other Real Estate: .....................................428 Other Assets: .................................... 401 Total Assets: 27,662 Total Trust Assets: 0  Deposits: 25,020 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:.............................................99 Subordinated D e b t:..................................... 300 Total Liabilities...............................25,419 Total Equity Capital and Reserves: . . . 2,243 Total Liabilites and C a p ita l:........ 27,662 Number of Shares Outstanding . . . . 38,338  Directors:  Paul Barringer, Al Brown, Charles Cabe, Austin Capps, Carroll Coston, Autrey Horne, Marianne Long, Robert McDowell, Fred Reed, Maurice Stricklin  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  64  Arkansas S ta te Bank D epartm ent  Farmers Bank Hamburg, AR Telephone: 853-5222 Facsimile: 853-2333 Population: 3,098  210 N. Main P.O. Box 350 71646-0350  Charter Number: 680 Date: March 10, 1941 County: Ashley  Trust Department: No Bank Holding Company None  Chm: P. E. Barnes CEO/Pres: Dan Wingard VP: Velma J. Farmer  VP: Jettie Mae Atkins Cash: Allen Farmer Asst Cash: Joann Roberts  Cash and Balances Due From Banks1,826 Federal Funds and R e p o s :........... 1,125 Investments: 14,417 Total L o a n s :................................ 13,724 Bank Premises and Fixed Assets: . . 934 Other Real E s ta te :..................................55 Other A s s e ts :....................................... 433 Total Assets: ............................. 32,514 Total Trust Assets: ............................. 0  Deposits: ............................................. 29,094 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :...........................................178 Subordinated D e b t:..........................................0 Total Liabilities............................. 29,272 Total Equity Capital and Reserves: . . . 3,242 Total Liabilites and C a p ita l:......... 32,514 Number of Shares Outstanding . . . . 22,260  Directors: P. E. Barnes, Joel W. Foote, Nancy C. Foote, W. E. Foote, Jr., William E. Johnson, Earl J. Scott, Jack H. Shell, John W. Spivey, Dan M. Wingard Branches in Town:  None  Other Branches:  None  Calhoun County Bank Hampton, AR Telephone: 798-2207 Facsimile: 798-4830 Population: 1,562  200 Main Street P.O. Box 8 71744-0008  Charter Number: 220 Date: Oct. 26, 1906 County: Calhoun  Trust Department: No Bank Holding Company None  Chm/CEO: Searcy W. Harrell, Jr.  Pres: B. Dickson Neal  Cash and Balances Due From Banksi1,113 Federal Funds and R e p o s :................... 0 Investments: 19,484 Total L o a n s :................................ 12,257 Bank Premises and Fixed Assets: . . . 26 Other Real E s ta te :..................................52 Other A s s e ts :....................................... 374 Total Assets: ............................. 33,306 Total Trust Assets: ............................. 0  Deposits: ............................................. 28,206 Federal Funds and Borrowings: ................ 730 Other L ia b ilitie s :...........................................119 Subordinated D e b t:..........................................0 Total Liabilities..................................... 29,055 Total Equity Capital and Reserves: . . . 4,251 Total Liabilites and C a p ita l:................ 33,306 Number of Shares Outstanding .............4,000  Directors: Phillip J. Foster, Fay Harrell, Len Harrell, Searcy W. Harrell, Jr., W. Wells, H. M. Welsh Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  B. Dickson Neal,  D.  S eventy-E ighth Report  65  Mercantile Bank Hardy, AR Telephone: 856-2773 Facsimile: 856-3494 Population: 538  Hwy. Jet. 62-63-412 P. 0. Box 28 72542-0028  Charter Number: 751 Date: Oct. 24, 1989 County: Sharp  Trust Department: No Bank Holding Company North Arkansas Bancshares, Inc., Jonesboro, AR  CEO/Pres: Bob D. Evins Cash and Balances Due From Banks: . . 698 Federal Funds and Repos: 450 Investments: . ................... 4,907 Total L o a n s :..................................... 12,506 Bank Premises and Fixed Assets: . . . . 782 Other Real Estate: ..................................... 0 Other Assets: .............................................502 Total Assets: 19,845 Total Trust Assets: 0  Directors:  Deposits: ............................................... 17,880 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:...........................................113 Subordinated D e b t:............... 0 Total Liabilities.............................. 17,993 Total Equity Capital and Reserves: . . . 1,852 Total Liabilites and C a p ita l:......... 19,845 Number of Shares Outstanding . . . . 10,400  Bob D. Evins, Floyd Hannon, Jr.. Kevin King, G. L. Leiblong  Branches in Town:  None  Other Branches:  Sidney  The Bank of Harrisburg Harrisburg, AR Telephone: 578-2472 Facsimile: 578-2049 Population: 1,945  201 East Jackson P.0. Box 17 72432-0017  Charter Number: 620 Date: Dec. 2, 1930 County: Poinsett  Trust Department: No Bank Holding Company Lake Hamilton Enterprises, Inc., Little Rock, AR  Chm: Jim Tom Butler CEO: Paul Eaton  Pres: James Williams  Cash and Balances Due From Banks: 2,890 Federal Funds and Repos: 0 Investm ents:..................................... 13,257 Total L o a n s :..................................... 19,618 Bank Premises and Fixed Assets: . . . . 251 Other Real Estate: .....................................220 Other Assets: .............................................620 Total Assets: 36,856 Total Trust Assets: 0  Deposits: . .......................................... 32,539 Federal Funds and Borrowings: ................ 200 Other L ia b ilitie s :.......................................... 336 Subordinated D e b t:..........................................0 Total Liabilities..................................... 33,075 Total Equity Capital and Reserves: . . . 3,781 Total Liabilites and C a p ita l:................ 36,856 Number of Shares Outstanding ............. 4,000  Directors: Donald Birtnell, Anna Margaret Butler, Connie Butler, Jim Tom Butler, Patricia Butler, Beth Eaton, Paul Eaton, John M. Henry, James Williams Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  66  A rkansas S ta te Bank D epartm ent  The Security Bank Harrison, AR Telephone: 741-8200 Facsimile: 741-8103 Population: 9,922  303 N. Main P.O. Box 1078 72601-1078  Charter Number: 647 Date: Nov. 20, 1931 County: Boone  Trust Department: Yes Bank Holding Company First Commercial Corporation, Little Rock, AR  CEO/Pres: Jimmy R. Boze Cash and Balances Due From Banks4,900 Federal Funds and R e p o s :........... 4,850 Investments: 43,665 Total L o a n s :................................ 59,623 Bank Premises and Fixed Assets: 2,035 Other Real E s ta te :................................259 Other A s s e ts :................................ 1,982 Total Assets: ................................117,314 Total Trust Assets: ............................. 0  Deposits: .......................................... 106,382 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s:...........................................573 Subordinated D e b t:..........................................0 Total Liabilities.................................. 106,955 Total Equity Capital and Reserves: . . 10,359 Total Liabilites and C a p ita l:................ 117,314 Number of Shares Outstanding . . . 180,000  Directors:  Bill Baker, Ralph Bowers, Jimmy Boze, John 0. Campbell, L. E. Durand, Richard R. Hudson, Douglas L. Jackson, Junior Lee, Jerry P. Maland, H. K. McCaleb, Jr., Bert M. Mullens  Branches in Town:  One  Other Branches:  Alpena  Hazen First State Bank Hazen, AR Telephone: 255-4567 Facsimile: 255-4271 Population: 1,668  Front & Chester Streets P.O. Box 783 72064-0783  Charter Number: 744 Date: May 12, 1983 County: Prairie  Trust Department: No Bank Holding Company None  Chm: Tommy Hillman  CEO: Jerry Ray Hambrick  Cash and Balances Due From Banks^,121 Federal Funds and R e p o s :.................. 500 Investments: 7,854 Total L o a n s:.................................. 7,262 Bank Premises and Fixed Assets: . . 228 Other Real E s ta te :................................ 0 Other A s s e ts :....................................... 264 Total Assets: ............................. 17,229 Total Trust Assets: ............................. 0  Deposits: ................................................15,745 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:.............................................78 Subordinated D e b t:..........................................0 Total Liabilities...............................15,823  Directors:  Total Equity Capital and Reserves: . . . 1,406 Total Liabilites and C a p ita l:..........17,229 Number of Shares Outstanding . . . . 20,187  Vernon Giss, Tommy Hillman, Pat Henderson, Robert Koch, Robert Petter  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  Biscoe  67  S eventy-E ighth Report  The Cleburne County Bank Heber Springs, AR Charter Number: 626 Date: Dec. 16, 1930 County: Cleburne  806 W. Main P.O. Box 1560 72543-0100  Telephone: 362-2456 Facsimile: 362-4554 Population: 5,628  Trust Department: No Bank Holding Company Lake Hamilton Enterprises, Inc., Little Rock, AR  Chm: Jim Tom Butler CEO/Pres: Paul Eaton EVP: Robert Dale Miller  VP: Mary Holland VP: Peggy Smith VP: William C. Smith  Cash and Balances Due From Banks: 3,627 Federal Funds and Repos: 2,105 Investm ents:..................................... 63,887 Total L o a n s :..................................... 44,135 Bank Premises and Fixed Assets: . . . . 824 Other Real Estate: .................................. 551 Other Assets: ..................................... 1,801 Total Assets: 116,930 Total Trust Assets: 0  Deposits: ............................................. 105,916 Federal Funds and Borrowings: .................. 34 Other L ia b ilitie s :.......................................... 532 Subordinated D e b t:..........................................0 Total Liabilities.................................. 106,482 Total Equity Capital and Reserves: . . 10,448 Total Liabilites and C a p ita l:................ 116,930 Number of Shares Outstanding ............. 1,200  Directors: Walter Aldridge, Anna Margaret Butler, Connie Butler, Jim Tom Butler, Patricia Butler, Beth Eaton, Paul Eaton, John Henry, Jerome Johnson, Ricky Johnson, Richie Lee, L. E. Roberts, Jr., Wetzel Stark Branches in Town:  Other Branches:  Two  Greers Ferry, Concord  Greers Ferry Lake State Bank Heber Springs, AR Telephone: 362-5883 Facsimile: 362-0820 Population: 5,628  421 West Main P. O. Box 970 72543-3018  Charter Number: 755 Date: July 26, 1991 County: Cleburne  Trust Department: No Bank Holding Company M & P Community Bancshares, Inc., Newport, AR  Chm/CEO/Pres: Jim S. Gowen, Sr. EVP: Gary Yow SVP: Wendell Cassell  Cash: Patricia H. Davis Sec: Carla P. Stiger  Cash and Balances Due From Banks: . . 189 Federal Funds and Repos: 530 Investm ents:..................................... 27,336 Total L o a n s :........................................ 3,107 Bank Premises and Fixed Assets: . . . . 245 Other Real Estate: ............... 0 Other Assets: ............................................ 739 Total Assets: 32,146 Total Trust Assets: 0  Deposits: ............................................. 29,387 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:....................................... 167 Subordinated D e b t:..........................................0 Total Liabilities ..................................... 29,554  Directors:  Total Equity Capital and Reserves: . . . 2,592 Total Liabilites and C a p ita l:......... 32,146 Number of Shares Outstanding . . . . 60,000  Morris Bowman, Jim S. Gowen, Sr., Troy A. Gray, Robert Harvey, Gerald  Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  Clinton  A. Saracini  Arkansas S ta te Bank D epartm ent  68  Heber Springs State Bank Heber Springs, AR Telephone: 362-5821 Facsimile: 362-7491 Population: 5,628  Second and Main Streets P.O. Box 1030 72543-0030  Charter Number: 735 Date: May 7, 1977 County: Cleburne  Trust Department: Yes Bank Holding Company State Holding Company, Little Rock, AR  Chm: Harry L. Hastings, Jr.  CEO/Pres: Bill G. Lynch  Cash and Balances Due From Banks2,291 Federal Funds and R e p o s :................... 0 Investments: 21,187 Total L o a n s :............. 22,342 Bank Premises and Fixed Assets: . . 893 Other Real Estate: ................................ 368 Other A s s e ts :....................................... 713 Total Assets: .......... 47,794 Total Trust Assets: ............................. 0  Deposits: ............................................. 43,451 Federal Funds and Borrowings: ............. 500 Other L ia b ilitie s :.......................................... 223 Subordinated D e b t:..........................................0 Total Liabilities.............................. 44,174  Directors:  Total Equity Capital and Reserves: . . . 3,620 Total Liabilites and C a p ita l:........ 47,794 Number of Shares Outstanding . . . . 21,000  H. L. Hastings, Jr., Horace Jewell, B. G. Lynch, Catherine Owen  Branches in Town:  None  Other Branches:  Greers Ferry, Fairfield Bay  Bank o f Holly Grove Holly Grove, AR Telephone: 462-3331 Facsimile: 462-3992 Population: 675  Main Street P.O. Box 419 72069-0816  Charter Number: 118 Date: May 12, 1903 County: Monroe  Trust Department: No Bank Holding Company Holly Grove Bancshares, Inc., Holly Grove, AR  Chm: John B. Moore, Jr.  CEO/Pres: William R. Reynolds  Cash and Balances Due From Banks: 733 Federal Funds and R e p o s :................... 0 Investments: 9,093 Total L o a n s :................................ 14,434 Bank Premises and Fixed Assets: . . 112 Other Real E s ta te :..................................31 Other A s s e ts :....................................... 500 Total Assets: ............................. 24,903 Total Trust Assets: ............................. 0  Deposits: ............................................... 21,709 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.......................................... 290 Subordinated D e b t:..........................................0 Total Liabilities....................................... 21,999 Total Equity Capital and Reserves: . . . 2,904 Total Liabilites and C a p ita l:................ 24,903 Number of Shares Outstanding .............2,400  Directors: Donald R. Dearing, Ruth T. Dearing, Jean M. Kirkpatrick, R. H. Mayo, John B. Moore, Jr., William R. Reynolds, Herd E. Stone Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  69  S eventy-E ighth Report  Horatio State Bank Horatio, AR 100 Main Street P.O. Box 347 71842-0347  Telephone: 832-2501 Facsimile: 832-2577 Population: 793  Charter Number: 179 Date: May 15, 1905 County: Sevier  Trust Department: No Bank Holding Company Pioneer Bancshares, Inc. of Horatio, Arkansas, Horatio, AR  Chm/CEO/Pres: C. E. Hendrix, Jr. EVP: Wilburn Smith  SVP: Edith H. Smith VP: Carl E. Henrix, III  Cash and Balances Due From Banks: 1,067 Federal Funds and Repos: 415 Investm ents:.......................... 12,117 Total L o a n s :..................................... 17,941 Bank Premises and Fixed Assets: . . . . 309 Other Real Estate: ................... 51 Other Assets: .............................................297 Total Assets: 32,197 Total Trust Assets: 0  Deposits: ............................................. 28,877 Federal Funds and Borrowings: 0 Other L ia b ilitie s :....................................... 170 Subordinated D e b t:..........................................0 Total Liabilities..................................... 29,047 Total Equity Capital and Reserves: . . . 3,150 Total Liabilites and C a p ita l:.................. 32,197 Number of Shares Outstanding .............2,000  Directors: C. E. Hendrix, Jr., Carl E. Hendrix, III, Lilia S. Hendrix, Loy Poag, Edith H. Smith, Wilburn Smith Branches in Town:  None  Other Branches:  None  Arkansas Bank and Trust Company Hot Springs, AR Telephone: 624-4611 Facsimile: 624-4619 Population: 32,462  ABT Center P.O. Box 5640 71902-5640  Charter Number: 232 Date: April 18, 1907 County: Garland  Member of Federal Reserve System Trust Department: Yes Bank Holding Company ABT Bancshares Corporation, Hot Springs, AR  Chm: Cecil W. Cupp, Jr. CEO/Pres: Ray L. Cash  EVP: W. Darrell Meyer  Cash and Balances Due From Banks: 20,760 Federal Funds and Repos: . 4,100 Investm ents:..................................... 139,304 Total L o a n s :....................... 228,688 Bank Premises and Fixed Assets: . . 5,850 Other Real Estate: ............................. 1,245 Other Assets: ..................................... 6,681 Total Assets: ..................... . . . . 406,628 Total Trust Assets: 0  Deposits: 364,105 Federal Funds and Borrowings: ...................0 Other L ia b ilitie s:....................................... 5,326 Subordinated D e b t:..........................................0 Total Liabilities.......................... 369,431 Total Equity Capital and Reserves: . . 37,197 Total Liabilites and C a p ita l:.... 406,628 Number of Shares Outstanding .. . 150,834  Directors: Ray L. Cash, Peggy Clark, Hiram W. Cooper, Courtney C. Crouch, Jr., Cecil W. Cupp, Cecil W. Cupp, Jr., Cecil W. Cupp, III, Gerald H. Fisher, Edwin P. Henry, Gaither C. Johnston, Jr., W. Darrell Meyer, Roy L. Murphy, Jim Randall, Brooks T. Rice, John D. Selig, Ray S. Smith, Jr., Palmer Vanderburg, Kenneth Wheatley Branches  in Town: Six http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  H ot Springs Village  70  A rkansas S ta te Bank D epartm ent  Bank o f Hot Springs Hot Springs, AR Telephone: 624-5501 Facsimile: 321-5033 Population: 32,462  P. O. Box 1799 1234 Central Avenue 71902-1799  Charter Number: 758 Date: Aug. 15, 1991 County: Garland  Trust Department: No Bank Holding Company Central Arkansas Bancshares, Inc., Arkadelphia, AR  Chm: Ross Whipple  CEO/Pres: Paul L. Offutt  Cash and Balances Due From Banks3,838 Federal Funds and R e p o s :................... 0 Investments: 46,547 Total L o a n s :................................ 45,047 Bank Premises and Fixed Assets: 1,745 Other Real E s ta te :.................................. 28 Other A s s e ts :................................ 2,195 Total Assets: ............................. 99,400 Total Trust Assets: ............................. 0  Deposits: ............................................. 86,331 Federal Funds and Borrowings: ............ 3,500 Other L ia b ilitie s :.......................................... 492 Subordinated D e b t:..........................................0 Total Liabilities.............................. 90,323  Directors: Latt Bachelor, Eldon Cooley,  Total Equity Capital and Reserves: . . . 9,077 Total Liabilites and C a p ita l:......... 99,400 Number of Shares Outstanding . . .121,410  Dorsey Glover, Jim Latture, Jim McAdams, Paul Offutt,  Don Tackett, Ross Whipple  Branches in Town:  Three  Other Branches:  None  First State Bank Huntsville, AR Highway 412 West P. O. Box 667 72740-0667  Telephone: 738-2147 Facsimile: 738-1255 Population: 1,600  Charter Number: 756 Date: July 26, 1991 County: Madison  Trust Department: Yes Bank Holding Company BTS Bancshares, Inc., Huntsville, AR  Chm: Sam Mathias  CEO/Pres: Tom Mathias  Cash and Balances Due From Banks: 466 Federal Funds and R e p o s :.................. 465 Investments: 6,294 Total L o a n s :.................................. 4,849 Bank Premises and Fixed Assets: . . 195 Other Real E s ta te :................................ 0 Other A s s e ts :........................................245 Total Assets: ............................. 12,514 Total Trust Assets: ............................. 0  Deposits: 11,439 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.............................................52 Subordinated D e b t:..........................................0 Total Liabilities........................................11,491  Directors:  Total Equity Capital and Reserves: . . . 1,023 Total Liabilites and C a p ita l:...................12,514 Number of Shares Outstanding .............9,000  Bessie Mathias, Sam Mathias, Tom Mathias, Phil Thompson  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  71  S e ve n ty Eighth Report  Peoples Bank Imboden, AR Hwy. 63 W. P.O. Box 850 72434-0850  Telephone: 869-2291 Facsimile: 869-2179 Population: 661  Charter Number: 727 Date: Oct. 12, 1972 County: Lawrence  Trust Department: No Bank Holding Company Spring Rivers Bancshares, Inc., Imboden, AR  Chm: Charles F. Luter Pres: Bob Downing  CEO/EVP: Preston L. Clark  Cash and Balances Due From Banks: 2,278 Federal Funds and Repos: ....................... 800 Investm ents:........................................ 4,943 Total L o a n s :..................................... 21,171 Bank Premises and Fixed Assets: . . . . 665 Other Real Estate: .......................................91 Other Assets: .............................................449 Total Assets: 30,397 Total Trust Assets: 0  Deposits: ............................................... 28,154 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s:.............................................81 Subordinated D e b t:..........................................0 Total Liabilities..................................... 28,235  Directors:  Total Equity Capital and Reserves: . . . 2,162 Total Liabilites and C a p ita l:................ 30,397 Number of Shares Outstanding .............6,600  Preston Clark, Bob Downing, Jerry R. Foley, Charles Luter, Dan Matthews  Branches in Town:  Other Branches:  None  Hoxie, Strawberry  First Jacksonville Bank and Trust Jacksonville, AR 600 W. Main P. O. Box 827 72076-0827  Telephone: 982-4511 Facsimile: 982-5769 Population: 29,101  Charter Number: 701 Date: Aug. 2, 1949 County: Pulaski  Trust Department: Yes Bank Holding Company First Arkansas Bancshares, Inc., Jacksonville, AR  Chm: Kenneth Pat Wilson CEO/Pres: Larry Wilson  TO: John McNee  Cash and Balances Due From Banks: 6,042 Federal Funds and Repos: 0 Investm ents:..................................... 66,211 Total L o a n s :..................................... 58,428 Bank Premises and Fixed Assets: . . 1,775 Other Real Estate: .....................................219 Other Assets: ..................................... 1,818 Total Assets: 134,493 Total Trust Assets: 42,806  Deposits: ............................................. 119,821 Federal Funds and Borrowings: ........ 1,800 Other L ia b ilitie s:....................................... 1,178 Subordinated D e b t:......................................... 0 Total Liabilities......................... 122,799 Total Equity Capital and Reserves: . . 11,694 Total Liabilites and C a p ita l:.... 134,493 Number of Shares Outstanding .. . 200,000  Directors: Harry Dougherty, Bart Gray, Jr., Melda Rice, Kenneth Pat Wilson, Larry T. Wilson, Mike Wilson, Thomas Wortham Branches in Town:  Four   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Gravel Ridge  A rkansas S tate Bank D epartm ent  72  N ew ton County Bank Jasper, AR Telephone: 446-2265 Facsimile: 446-2310 Population: 332  Church and Stone Streets P. O. Box 437 72641-0437  Charter Number: 121 Date: March 24, 1903 County: Newton  Trust Department: No Bank Holding Company Newco Corporation, Ozark, AR  Chm: Carl G. Holt CEO: George G. Gleason, II Dpty CEO: Linda D. Gleason Pres-BSC: Mark D. Ross  Pres: Danny Criner SVP/Cash: George Landrum VP: Inas Mosley  Cash and Balances Due From Banks^,658 Federal Funds and R e p o s :........... 1,000 Investments: 3,393 Total L o a n s :................................ 32,170 Bank Premises and Fixed Assets: . . 669 Other Real E s ta te :............................... 466 Other A s s e ts :....................................... 654 Total Assets: ............................. 40,010 Total Trust Assets: ............................. 0  Deposits: ............................................... 36,185 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.......................................... 231 Subordinated D e b t:..........................................0 Total Liabilities....................................... 36,416 Total Equity Capital and Reserves: . . . 3,594 Total Liabilites and C a p ita l:.................. 40,010 Number of Shares Outstanding .............2,340  Directors: Danny Criner, George G. Gleason, II, Linda D. Gleason, Carl G. Holt, George Landrum, Sr., Mark D. Ross  Branches in Town:  None  Other Branches:  Western Grove  The Arkansas Bank Jonesboro, AR Telephone: 932-2131 Facsimile: 932-2131 Population: 46,535  800 S. Main Street P. O. Box 1617 72403-1617  Charter Number: 150 Date: Feb. 13, 1904 County: Craighead  Trust Department: Yes Bank Holding Company None  Chm/CEO: Sloan Rainwater Pres: Mike Taylor VChm: Steve Cox EVP/Cash: Larry Hurst  VP: Loyce Gibson VP: Burnis Posey VP: Marshall Wheeler  Cash and Balances Due From Banks7,429 Federal Funds and R e p o s :........... 7,050 Investments: 60,670 Total L o a n s:................................ 24,381 Bank Premises and Fixed Assets: 1,508 Other Real E s ta te :................................ 153 Other A s s e ts :................................ 3,195 Total Assets: ............................. 104,386 Total Trust Assets: ............................. 0  Deposits: ............................................. 95,262 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:...........................................647 Subordinated D e b t:..........................................0 Total Liabilities............................. 95,909 Total Equity Capital and Reserves: . . . 8,477 Total Liabilites and C a p ita l:.... 104,386 Number of Shares Outstanding . . . . 75,000  Directors: Steve Cox, Virginia Cox, Jim Hinkle, Larry Hurst, Sloan Rainwater, William Rainwater, Sr., William Rainwater, Jr., Weldon Rainwater, Michael Taylor, J. A. Tomlinson, Gerald Watkins  Branches in Town: T w o Other Branches: Bay, Lake C ity, Paragould, P iggott http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  73  S e ve n ty Eighth Report  Citizens Bank of Jonesboro Jonesboro, AR  Main & Washington Streets P. O. Box 1800 72403-1800  Telephone: 932-6603 Facsimile: 933-4334 Population: 46,535  Charter Number: 488 Date: July 25, 1919 County: Craighead  Trust Department: Yes Bank Holding Company Citizens Bancshares Corp., Jonesboro, AR  Chm Emt: Herbert H. McAdams, II Chm: H. Hall McAdams, III CEO/Pres: Danny Williams EVP: Steve McFerron  SVP: Jerry Bookout SVP: Bill May SVP: Ken Necessary TO: Cindy French  Cash and Balances Due From Banks: 11,082 Federal Funds and Repos: 0 Investm ents:....................................... 111,250 Total Loans: ..................................... 95,233 Bank Premises and Fixed Assets: . . 4,042 Other Real Estate: ............................. 1,480 Other A s s e ts :..................................... 4,918 Total Assets: 228,005 Total Trust Assets: 94,228  Deposits: 197,385 Federal Funds and Borrowings: ...........9,355 Other L ia b ilitie s :....................................... 1,703 Subordinated D e b t:..................................... 500 Total Liabilities......................... 208,943 Total Equity Capital and Reserves: . . 19,062 Total Liabilites and C a p ita l:.... 228,005 Number of Shares Outstanding . . . 217,000  Directors: John C. Deacon, W. O. Doak, Charlotte Eddington, W. M. Freeze, Jr., James Gramling, Ray Hall, Jr., Herbert H. McAdams, II, H. Hall McAdams, III, Minor M. Markle, Oscar J. Melton, W. R. Roberts, Donald Timms, Danny Williams, G. D. Wisdom Branches in Town:  Five  Other Branches:  Lake City, Cash  Mercantile Bank Jonesboro, AR 300 S. Church P. O. Box 6018 72403-6018  Telephone: 935-5521 Facsimile: 935-831 1 Population: 46,535  Charter Number: 648 Date: Jan. 7, 1932 County: Craighead  Trust Department: Yes Bank Holding Company North Arkansas Bancshares, Inc., Jonesboro, AR  Chm/CEO/Pres: G. L. Lieblong SVP-Oper: John Freeman SVP-Mkt: Ed Way  SVP-Loans: Joe Turney SVP-Loans: Louis Intres VP-Cont: Gary Childers  Cash and Balances Due From Banks: 11,839 Federal Funds and Repos: 0 Investm ents:.................. 47,217 Total L o a n s :....................................... 180,185 Bank Premises and Fixed Assets: . . 6,913 Other Real Estate: . ........................... 1,187 Other Assets: .................................... 9,661 Total Assets: 257,002 Total Trust Assets: 58,951  Deposits: 221,907 Federal Funds and Borrowings: ...........4,208 Other L ia b ilitie s :....................................... 1,685 Subordinated D e b t:..........................................0 Total Liabilities......................... 227,800 Total Equity Capital and Reserves: . . 29,202 Total Liabilites and C a p ita l:.... 257,002 Number of Shares Outstanding .. . 100,000  Directors: Marystel Appleton, Wayne Baker, Roy Cooper, Lynn Greene, Tommy Lawrence, G. L. Lieblong, J. C. Mahon, M. G. (Mabe) Spurlock Branches in Town:  Seven   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Bono, Brookland  Arkansas S ta te Bank D epartm ent  74  Simmons First Bank o f Jonesboro Jonesboro, AR Telephone: 933-8000 Facsimile: 933-2008 Population: 46,535  1720 S. Caraway Road P. O. Box 1720 72403-1720  Charter Number: 734 Date: Dec. 22, 1976 County: Craighead  Trust Department: Yes Simmons  Bank Holding Company st National Corporation, Pine  :, AR  Chm/CEO: Donald W. Stone Pres: Ronald B. Jackson VP: Wayne F. Bond VP: Barry Ledbetter  VP: Jerry Broadway Oper: Roland Ussery CSO: Maxine Stephens  Cash and Balances Due From Banks3,680 Federal Funds and R e p o s :................... 0 Investments: 28,501 Total L o a n s :................................ 38,124 Bank Premises and Fixed Assets: . . 716 Other Real E s ta te :................................316 Other A s s e ts :....................................... 994 Total Assets: ............................. 72,331 Total Trust Assets: .................. 16,012  Deposits: ............................................. 65,532 Federal Funds and Borrowings: .............. 760 Other L ia b ilitie s :...........................................528 Subordinated D e b t:..........................................0 Total Liabilities..................................... 66,820 Total Equity Capital and Reserves: . . . 5,511 Total Liabilites and C a p ita l:................ 72,331 Number of Shares Outstanding .. . 175,000  Directors: Dennis Abell, Ava Duke, Sam Hummelstein, Ronald B. Jackson, Charles B. Smith, Jr., Donald W. Stone, J. C. Vaughn, Jr., Don Vollman Branches in Town:  Two  Other Branches:  None  Union State Bank Junction City, AR Telephone: 924-4552 Facsimile: 924-5657 Population: 674  115 North Main P.O. Box F 71749-1006  Charter Number: 660 Date: Aug. 28, 1933 County: Union  Trust Department: No Bank Holding Company Junction City Holding Company, Little Rock, AR  Chm: G. R. Mosley  CEO:/Pres: John F. Marsh  Cash and Balances Due From Banks: 707 Federal Funds and R e p o s :.................. 275 Investments: 10,438 Total L o a n s :................................ 15,644 Bank Premises and Fixed Assets: . . 264 Other Real E s ta te :................................ 0 Other A s s e ts :........................................560 Total Assets: ............................. 27,888 Total Trust Assets: ............................. 0  Deposits: .............................................24,511 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:...........................................101 Subordinated D e b t:..........................................0 Total Liabilities.............................. 24,612 Total Equity Capital and Reserves: . . . 3,276 Total Liabilites and C a p ita l:........ 27,888 Number of Shares Outstanding . . . . 30,000  Directors: James A. Bloodworth,  Harold W. Campbell, Alvin Green, Sr., Searcy W. Harrell, Jr., Daniel C. Horton, Denver D. Jones, Jr., G. R. Mosley, Richard Mosley, John F. Marsh  Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  75  S eventy-E ighth Report  FirstBank of Arkansas Kensett, AR Telephone: 742-3318 Facsimile: 268-1551 Population: 1,741  Searcy Street P. O. Box 356 72082-0356  Charter Number: 528 Date: Feb. 17, 1922 County: White  Trust Department: Yes Bank Holding Company FirstBank Group, Inc., Brinkley, AR  CEO/Pres: Johnnie J. Qualls Cash and Balances Due From Banks: . . 324 Federal Funds and Repos: 0 Investm ents:..................................... 14,350 Total Loans: ........................................ 9,445 Bank Premises and Fixed Assets: . . 1,597 Other Real Estate: ............................ 0 Other Assets: .............................................567 Total Assets: 26,283 Total Trust Assets: 5  Directors:  Deposits: ............................................. 23,592 Federal Funds and Borrowings: ................ 475 Other L ia b ilitie s :...........................................125 Subordinated D e b t:..........................................0 Total Liabilities....................................... 24,192 Total Equity Capital and Reserves: . . . 2,091 Total Liabilites and C a p ita l:................ 26,283 Number of Shares Outstanding ................ 500  Fred Farrell, Harold Hardwich, Johnnie J. Qualls, Bobby Robinson, Dewey Snowden  Branches in Town:  None  Other Branches:  Searcy  Pine State Bank Kingsland, AR Telephone: 348-5657 Facsimile: 348-1002 Population: 395  First Street P. 0. Box 85 71652-0085  Charter Number: 165 Date: Aug. 22, 1904 County: Cleveland  Trust Department: No Bank Holding Company Pine State Bancshares, Inc., Monticello, AR  Chm/CEO/Pres: M. Don Smith  EVP: Elaine Hopson  Cash and Balances Due From Banks: . . 275 Federal Funds and Repos: 100 Investm ents:........................................ 2,959 Total L o a n s :........................................ 4,916 Bank Premises and Fixed Assets: . . . . 112 Other Real Estate: ..................................... 6 Other Assets: .............................................102 Total Assets: 8,470 Total Trust Assets: 0  Deposits: 7,761 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.............................................47 Subordinated D e b t:..........................................0 Total Liabilities..........................................7,808  Directors:  Total Equity Capital and Reserves: . . . . 662 Total Liabilites and C a p ita l:.....................8,470 Number of Shares Outstanding ............. 3,060  Ray Morrison, Bennie Ryburn, Jr., James Searcy, M. Don Smith, John Trucks  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  New Edinburg  A rkansas S ta te Bank D epartm ent  76  Madison Bank and Trust Kingston, AR Telephone: 665-2825 Facsimile: 665-2175 Population: 300  101 Public Square P. 0. Box 39 72742-0039  Charter Number: 338 Date: April 7, 1911 County: Madison  Trust Department: Yes Bank Holding Company Madison Corporation, Little Rock, AR  CEO: Gary Bunch Cash and Balances Due From Banks: 452 Federal Funds and R e p o s :................... 0 Investments: 3,708 Total L o a n s :................................ 10,295 Bank Premises and Fixed Assets: . . 500 Other Real E s ta te :................................ 0 Other A s s e ts :........................................233 Total Assets: ............................. 15,188 Total Trust Assets: ..................... 1,145  Deposits: ................................................13,350 Federal Funds and Borrowings: ................ 570 Other L ia b ilitie s :.............................................75 Subordinated D e b t:..........................................0 Total Liabilities........................................13,995 Total Equity Capital and Reserves: . . . 1,193 Total Liabilites and C a p ita l:...................15,188 Number of Shares Outstanding ................ 800  Directors: Gary W. Bunch, SumnerBrashears, Howard Cain, Jr., Gary Easterling, Dana Samples, Joe Shrum, Roland Wilshire Branches in Town:  None  Other Branches:  Huntsville  The Bank of Lake Village Lake Village, AR Telephone: 265-2241 Facsimile: 265-2125 Population: 2,791  101 Main Street P. O. Box 727 71653-0727  Charter Number: 675 Date: Oct. 14, 1937 County: Chicot  Trust Department: No Bank Holding Company Southeast Arkansas Bank Corporation, Lake Village, AR  Chm: Charles H. Weissinger, Jr. CEO/Pres: Hermon Carlton EVP: Terence J. Alpe VP: Kenneth D. Vandervort  VP/Aud: Joyce Bell VP: Dessie Lee Gibbs VP: Doris Rice Cash: Jakie Gibson  Cash and Balances Due From Banks1,860 Federal Funds and R e p o s :.................. 300 Investments: 20,226 Total L o a n s :................................ 21,049 Bank Premises and Fixed Assets: . . 261 Other Real E s ta te :................................ 3 Other A s s e ts :....................................... 845 Total Assets: ............................. 44,544 Total Trust Assets: ............................. 0  Deposits: ............................................... 38,419 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:...........................................376 Subordinated D e b t:..........................................0 Total Liabilities............................. 38,795 Total Equity Capital and Reserves: . . . 5,749 Total Liabilites and C a p ita l:........ 44,544 Number of Shares Outstanding . . . . 60,000  Directors:  Sam E. Angel, Terence J. Alpe, William W. Bunker, J. P. Burge, Hermon Carlton, David F. Gillison, Sr., David F. Gillison, Jr., Mervin D. Loyd, Ned Mazzanti, Joseph J. Pieroni, Kenneth D. Vandervort, Charles H. Weissinger, Jr., Guy Mattingly Weissinger  Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  One  Other Branches:  None  77  S eventy-E ighth Report  Simmons First Bank of Lake Village Lake Village, AR 333 Main Street P. 0. Box 271 71653-0271  Telephone: 265-5366 Facsimile: 265-5558 Population: 2,791  Charter Number: 716 Date: June 12, 1962 County: Chicot  Trust Department: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR  Chm: Fred P. Michael CEO/Pres: Ben V. Floriani  EVP: Freddie Black  Cash and Balances Due From Banks: 1,033 Federal Funds and Repos: 1,500 Investm ents:..................................... 11,280 Total L o a n s :..................................... 14,364 Bank Premises and Fixed Assets: . . . . 157 Other Real Estate: ..................................... 2 Other Assets: .............................................555 Total Assets: 28,891 Total Trust Assets: 0  Deposits: 25,592 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :.......................................... 269 Subordinated D e b t:..........................................0 Total Liabilities............................. 25,861 Total Equity Capital and Reserves: . . . 3,030 Total Liabilites and C a p ita l:......... 28,891 Number of Shares Outstanding . . . . 12,500  Directors: Sam E. Adkisson, W. E. Ayres, Herman Berkemeyer, Freddie Black, Mike Cashion, Ben V. Floriani, James W. Haddock, Craig Hunt, Cullen Livingston, Geno Mazzanti, Fred P. Michael, Carl 0. Powell, Richard L. Pratt, Joe Dan Yee Branches in Town:  None  Other Branches:  None  River Valley Bank & Trust Lavaca, AR Telephone: 452-7906 Facsimile: 452-7978 Population: 1,253  Main Street P. O. Box 110 72941-0110  Charter Number: 308 Date: May 5, 1910 County: Sebastian  Member of Federal Reserve System Trust Department: Yes Bank Holding Company Sebastian Bankshares, Inc., Barling, AR  Chm: Ronald H. Udouj  CEO/Pres: James N. Patterson  Cash and Balances Due From Banks: . . 504 Federal Funds and Repos: ................ 1,225 Investm ents:..................................... 15,639 Total L o a n s :..................................... 33,357 Bank Premises and Fixed Assets: . . 1,170 Other Real Estate: ..................................... 0 Other Assets: ....................................... . 834 Total Assets: 52,729 Total Trust Assets: 0  Deposits: 46,900 Federal Funds and Borrowings: .................. 0 Other L ia b ilitie s :.......................................... 394 Subordinated D e b t:..........................................0 Total Liabilities............................. 47,294 Total Equity Capital and Reserves: . . . 5,435 Total Liabilites and C a p ita l:........ 52,729 Number of Shares Outstanding . . . . 20,849  Directors: Boyne Brewer, Gene E. Bruick, Rayburn Green, James N. Patterson, James H. Shields, Jr., Ronald H. Udouj Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Barling  78  Arkansas S tate Bank D epartm ent  Leachville State Bank Leachville, AR 110 N. Main P. O. Box 140 72438-0140  Telephone: 539-6354 Facsimile: 539-2213 Population: 1,743  Charter Number: 703 Date: Jan. 23, 1951 County: Mississippi  Trust Department: No Bank Holding Company Leachville State Bancshares, Inc., Leachville, AR  Chm: Larry E. Grisham  CEO/Pres: Nelson P. Henry, Jr.  Cash and Balances Due From Banks: 545 Federal Funds and R e p o s :................... 0 Investments: 7,298 Total L o a n s :................................ 15,453 Bank Premises and Fixed Assets: . . 459 Other Real E s ta te :................................ 0 Other A s s e ts :....................................... 448 Total Assets: ............................. 24,203 Total Trust Assets: ............................. 0  Deposits: ............................................... 21,061 Federal Funds and Borrowings: ............. 920 Other L ia b ilitie s :....................................... 180 Subordinated D e b t:..........................................0 Total Liabilities...............................22,161  Directors:  Total Equity Capital and Reserves: . . . 2,042 Total Liabilites and C a p ita l:........ 24,203 Number of Shares Outstanding . . . . 10,000  Larry E. Grisham, Nelson P. Henry, Jr., Leon Swihart  Branches in Town:  None  Other Branches:  None  Little River Bank Lepanto, AR Telephone: 475-2306 Facsimile: 475-3070 Population: 2,033  202 Greenwood P. 0. Box 340 72354-0340  Charter Number: 498 Date: Nov. 21, 1919 County: Poinsett  Trust Department: Yes Bank Holding Company None  CEO/Pres: Grady Watkins, Jr. VP-Loans: Blanche Nash VP-Loans: Billy Lee Powell  VP-Oper: Lois Criddle VP-Oper: Ara Sharp TO: H. G. Watkins, III  Cash and Balances Due From Banks1,080 Federal Funds and R e p o s :.................. 865 Investments: 19,629 Total L o a n s :.................................. 8,317 Bank Premises and Fixed Assets: . . 110 Other Real E s ta te :................................ 0 Other A s s e ts :....................................... 607 Total Assets: ............................. 30,608 Total Trust Assets: ..................... 1,065  Deposits: ............................................. 24,594 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :.......................................... 234 Subordinated D e b t:..........................................0 Total Liabilities............................. 24,828 Total Equity Capital and Reserves: . . . 5,780 Total Liabilites and C a p ita l:........ 30,608 Number of Shares Outstanding . . . . 10,000  Directors: W. H. Cross, Julanne Ingram, W. K. Ingram, Jr., Junaway Payne, Ernest Portis, J. C. Portis, Juliet J. Portis, Danette Watkins, Grady Watkins, Jr., Henry Watkins  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  79  S eventy-E ighth Report  Peoples Bank & Loan Company Lewisville, AR P. O. Box 1100 305 Spruce 71845-1100  Telephone: 921-4244 Facsimile: 921-4336 Population: 1,424  Charter Number: 347 Date: Aug. 25, 1911 County: Lafayette  Member of Federal Reserve System Trust Department: No Bank Holding Company Peoples Bancshares, Inc., Lewisville, AR  Chm: Phil Alford, Jr.  CEO/Pres: Charles Black  Cash and Balances Due From Banks: 1,291 Federal Funds and Repos: 355 Investm ents:....................................... 8,236 Total L o a n s :..................................... 18,079 Bank Premises and Fixed Assets: . . . . 420 Other Real Estate: ..................................... 0 Other A s s e ts :.................. 397 Total Assets: 28,778 Total Trust Assets: 0  Deposits: ............................................... 26,015 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :...........................................186 Subordinated D e b t:......................................... 0 Total Liabilities..................................... 26,201 Total Equity Capital and Reserves: . . . 2,577 Total Liabilites and C a p ita l:................ 28,778 Number of Shares Outstanding .............4,001  Directors:  Phil Alford, Jr., Charles Black, Larry Burrow, 0. M. Covington, Paul J. English, Charles H. Moore, Wilma Willbanks  Branches in Town:  None  Other Branches:  None  Bank of Lincoln Lincoln, AR West Side Square P. O. Box 98 72744-0098  Telephone: 824-3232 Facsimile: 824-5703 Population: 1,460  Charter Number: 119 Date: March 19, 1903 County: Washington  Trust Department: No Bank Holding Company Lincoln Bankshares, Inc., Lincoln, AR  Chm/CEO/Pres: Loyd R. Swope EVP: Kenneth D. (Bud) Cox SVP: Larry Karnes  VP: Pat Davenport VP: Darlene Cheatham Cash: Ronnie Rinehart  Cash and Balances Due From Banks: 1,326 Federal Funds and Repos: ....................... 800 Investm ents:..................................... 14,687 Total L o a n s :..................................... 28,796 Bank Premises and Fixed Assets: . . . . 351 Other Real Estate: .....................................236 Other Assets: .............................................855 Total Assets: 47,051 Total Trust Assets: 0  Deposits: ............................................... 41,956 Federal Funds and Borrowings: ................ 301 Other L ia b ilitie s:........................................ 198 Subordinated D e b t:..........................................0 Total Liabilities..................................... 42,455  Directors:  Total Equity Capital and Reserves: . . . 4,596 Total Liabilites and C a p ita l:................ 47,051 Number of Shares Outstanding .............8,000  Kenneth D. Cox, W anda Irw in , H erbert A . Lew is, Jr., Clark M cC linto n , Loyd R. Sw ope  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Prairie Grove  80  A rkansas S tate Bank D epartm ent  Arkansas Bankers' Bank Little Rock, AR Telephone: 371-0535 Facsimile: 376-8894 Population: 175,795  1008 West Second Street 72201-2031  Charter Number: 752 Date: April 17, 1990 County: Pulaski  Member of the Federal Reserve System Trust Department: No Bank Holding Company Arkansas Bankers' Bancorporation, Inc., Little Rock, AR  Chm: Joe S. Hiatt CEO/Pres: Bill May  SVP/Cash: John E. Lock, Sr.  Cash and Balances Due From Banks7,351 Federal Funds and R e p o s :........... 8,090 Investments: 7,904 Total L o a n s :.......................................... 0 Bank Premises and Fixed Assets: . . . 63 Other Real E s ta te :................................ 0 Other A s s e ts :........................................154 Total Assets: ............................. 23,562 Total Trust Assets: ............................. 0  Deposits: ............................................... 21,297 Federal Funds and Borrowings: ................50 Other L ia b ilitie s :.............................................56 Subordinated D e b t:......................................... 0 Total Liabilities.............................. 21,403 Total Equity Capital and Reserves: . . . 2,159 Total Liabilites and C a p ita l:........ 23,562 Number of Shares Outstanding . . . . 50,000  Directors: Lunsford W. Bridges, Tom H. Grumbles, Joe S. Hiatt, Bill B. May, J. M. Park, Lindley V. Smith, Robert P. Taylor Branches in Town:  Other Branches:  None  None  Central Bank & Trust Little Rock, AR Telephone: 374-7777 Facsimile: 374-2079 Population: 175,795  16th & Main Streets P. O. Box 1583 72203-1583  Charter Number: 753 Date: Nov. 30, 1990 County: Pulaski  Trust Department: Yes Bank Holding Company P & W Bancshares, Inc., Little Rock, AR  Chm: Robert M. Wilson CEO/Pres: Joseph B. Ford AVP: Susan Anderson VP: Vince Thomas  VP: Roger Steging VP: Harold Hampton Cash: Bonnie Crocheron  Cash and Balances Due From BanfltS9 Federal Funds and Repos: . . . . 550 Investments: 12,072 Total Loans:......................... 21,613 Bank Premises and Fixed Assets: 770 Other Real Estate:....................... 97 Other Assets:............................ 694 Total Assets: .......................36,715 Total Trust Assets: .......................0  Deposits: ................................. 33,040 Federal Funds and Borrowings:............0 Other Liabilities:...............................288 Subordinated Debt:.............................. 0 Total Liabilities ........................ 33,328  Directors:  Total Equity Capital and Reserves: 3,387 Total Liabilites and Capital: . . . 36,715 Number of Shares Outstanding . 25,000  Joseph B. Ford, Bryan Pitts, Charles A. Wilson, Robert M. Wilson  Digitized for Branches FRASER in Town: One http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  McCrory  81  S eventy Eighth Report  Citizens First Bank Little Rock, AR Telephone: 376-0555 Facsimile: 372-5688 Population: 175,795  320 Capitol at Spring Streets P. O. Box 1951 72201  Charter Number: 761 Date: Sep. 6, 1991 County: Pulaski  Trust Department: No Bank Holding Company FDH Bancshares, Inc., Little Rock, AR  Chm: Frank D. Hickingbotham  CEO/Pres: Ted Davis  Cash and Balances Due From Banks: . . 447 Federal Funds and Repos: ................ 2,515 Investm ents:..................................... 33,940 Total L o a n s :....................................... 5,925 Bank Premises and Fixed Assets: . . . . 496 Other Real Estate: ..................................... 0 Other Assets: ..................................... 1,128 Total Assets: 44,451 Total Trust Assets: 0  Deposits: 39,984 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s:...........................................170 Subordinated D e b t:..........................................0 Total Liabilities....................................... 40,154  Directors:  Total Equity Capital and Reserves: . . . 4,297 Total Liabilites and C a p ita l:................ 44,451 Number of Shares Outstanding .............4,000  Edward Cullum, Ted David, Frank D. Hickingbotham, Robert P. Taylor, Raymond Toler  Branches in Town:  Other Branches:  One  Maumelle  Eagle Bank & Trust Company Little Rock, AR Telephone: 663-2453 Facsimile: 666-3420 Population: 175,795  1000 S. Rodney Parham P.O. Box 22120 72221-2120  Charter Number: 720 Date: July 28, 1966 County: Pulaski  Trust Department: Yes Bank Holding Company State Holding Company, Little Rock, AR  Chm: Flarry L. Hastings, Jr. CEO/Pres: Pat Koch Sec/Treas: Catherine H. Owen  Cont/Aud: Paul R. Castleberry SVP: Annette VanPelt SVP-Loan: Al Otten  Cash and Balances Due From Banks: 2,078 Federal Funds and Repos: ........................ 0 Investm ents:..................................... 12,244 Total L o a n s :..................................... 22,257 Bank Premises and Fixed Assets: . . 2,007 Other Real Estate: .....................................586 Other Assets: .............................................598 Total Assets: 39,770 Total Trust Assets: 84  Deposits: 35,460 Federal Funds and Borrowings: ................ 670 Other L ia b ilitie s:...........................................273 Subordinated D e b t:..........................................0 Total Liabilities..................................... 36,403  Directors:  Total Equity Capital and Reserves: . . . 3,367 Total Liabilites and C a p ita l:................ 39,770 Number of Shares Outstanding .............8,000  Harry L. Hastings, Jr., Horace Jewell, Pat Koch, Catherine Owen, Sam Winstead  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Sherwood (3), Gravel Ridge  82  A rkansas S ta te Bank D epartm ent  Pulaski Bank And Trust Company Little Rock, AR Telephone: 661-7700 Facsimile: 661-7857 Population: 175,795  5800 R Street P. 0. Box 7299 72217-7299  Charter Number: 710 Date: Aug. 29, 1955 County: Pulaski  Trust Department: Yes Bank Holding Company Pulaski Investment Corporation, Little Rock, AR  Chm: James C. East CEO/Pres: Robert C. Magee SVP: Jerry L. Duncan SVP: Robert P. Giebert  SVP: Janet R. Moore SVP: Judy K. Beaumont TO: Beverly Sawyer  Cash and Balances Due From Banks6,130 Federal Funds and R e p o s :.................. 305 Investments: 50,675 Total Loans: ................................ 69,753 Bank Premises and Fixed Assets: 6,322 Other Real Estate: ........................ 2,789 Other Assets: .......... 3,463 Total Assets: . . . ...................... 139,437 Total Trust Assets: ................... 58,536  Deposits: 122,033 Federal Funds and Borrowings: .............5,887 Other L ia b ilitie s :.......................................... 921 Subordinated D e b t:..........................................0 Total Liabilities.................................. 128,841  Directors:  Total Equity Capital and Reserves: . . 10,596 Total Liabilites and C a p ita l:............. 139,437 Number of Shares Outstanding ............. 1,850  James C. East, Robert C. East, Robert C. Magee, Kent C. Westbrook, Mark V.  Williamson  Branches in Town:  Four  Other Branches:  None  Bank o f Lockesburg Lockesburg, AR Telephone: 289-4071 Facsimile: 289-2330 Population: 608  Main & Redbud P. 0. Box 118 71846-0118  Charter Number: 746 Date: May 31, 1985 County: Sevier  Trust Department: No Bank Holding Company DeWitt First Bankshares, Corporation, DeWitt, AR  CEO: Ray Hambrick Pres: Phillip FI. Worthen  VP: Phyllis Bettell  Cash and Balances Due From Banks: 626 Federal Funds and R e p o s :................... 0 Investments: 9,342 Total L o a n s :.................................. 8,744 Bank Premises and Fixed Assets: . . 137 Other Real E s ta te :................................130 Other A s s e ts :....................................... 364 Total Assets: ............................. 19,343 Total Trust Assets: ............................. 0  Deposits: ................................................16,897 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.............................................64 Subordinated D e b t:..........................................0 Total Liabilities........................................16,961  Directors:  Total Equity Capital and Reserves: . . . 2,382 Total Liabilites and C a p ita l:...................19,343 Number of Shares Outstanding .............2,500  Ray Hambrick, Warren Jennings, Sr., Warren Jennings, Jr., Lester McKinley  Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  S eventy-E ighth Report  83  First State Bank Lonoke, AR 101 E. Front P. 0. Box 320 72086-0320  Telephone: 676-3106 Facsimile: 676-5046 Population: 4,045  Charter Number: 670 Date: March 9, 1935 County: Lonoke  Trust Department: No Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR  Chm: Wayne Bennett, Sr. CEO/Pres: David R. Estes  VP: Tracy French Sec: Karen K. Hardke  Cash and Balances Due From Banks: 3,392 Federal Funds and Repos: ................ 1,015 Investm ents:..................................... 35,137 Total L o a n s :.......................... 22,086 Bank Premises and Fixed Assets: . . . . 569 Other Real Estate: ..................................... 0 Other Assets: .............................................901 Total Assets: 63,100 Total Trust Assets: 0  Deposits: ............................................. 56,038 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :.......................................... 474 Subordinated D e b t:..........................................0 Total Liabilities.............................. 56,512 Total Equity Capital and Reserves: . . . 6,588 Total Liabilites and C a p ita l:......... 63,100 Number of Shares Outstanding . . . . 16,000  Directors:  Neil Bennett, Sr., Neil Bennett, Jr., Wayne Bennett, Sr., Wayne Bennett, Jr., David Estes, Joe P. Melton  Branches in Town:  One  Other Branches:  None  Farmers Bank and Trust Company Magnolia, AR 200 East Main Street P. O. Box 250 71753-0250  Telephone: 235-7000 Facsimile: 235-7010 Population: 11,151  Charter Number: 217 Date: Sep. 26, 1906 County: Columbia  Trust Department: Yes Bank Holding Company Magnolia Banking Corporation, Magnolia, AR  Chm/CEO: Bob L. Burns Pres: Mack L. Taylor SVP: Steve Keith SVP/TO: Bruce D. Maloch  VP/Cash: Earl Booth VP/Cont: Kevin W. Pletcher VP: Danny Fitzpatrick  Cash and Balances Due From Banks: 6,840 Federal Funds and Repos: 2,525 Investm ents:..................................... 98,331 Total L o a n s :..................................... 72,237 Bank Premises and Fixed Assets: . . . . 812 Other Real Estate: .....................................618 Other Assets: ..................................... 3,564 Total Assets: 184,927 Total Trust Assets: 19,237  Deposits: .......................................... 169,563 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :....................................... 1,018 Subordinated D e b t:..........................................0 Total Liabilities.................................. 170,581 Total Equity Capital and Reserves: . . 14,346 Total Liabilites and C a p ita l:............. 184,927 Number of Shares Outstanding . . . 100,000  Directors: T. H. Bradley, Jr., Bob L. Burnes, Paul Crumpler, W. E. Fullenwider, Steve Keith, C. S. Kincaid, III, Bruce D. Maloch, Bob Neill, Wayne Newton, Ronnie Ribble, Ken Sibley, Mack L. Taylor Branches in Town:  Two   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  84  A rkansas S ta te Bank D epartm ent  Bank o f Malvern Malvern, AR Telephone: 332-6966 Facsimile: 332-2374 Population: 9,256  327 Ash Street P. O. Box 897 72104-0897  Charter Number: 10 Date: June 24, 1889 County: Hot Spring  Trust Department: Yes Bank Holding Company Central Arkansas Bancshares, Inc., Arkadelphia, AR  Chm: Paul Offutt CEO/Pres: James Ferguson EVP: Donald A. Walsh  SVP/Cash: Mary Beth Roseberry SVP: Marsha Tanner  Cash and Balances Due From Banks3,227 Federal Funds and R e p o s :................... 0 Investments: 44,262 Total L o a n s :................................ 59,808 Bank Premises and Fixed Assets: 1,007 Other Real E s ta te :............................... 931 Other A s s e ts :................................ 1,505 Total Assets: ................................110,740 Total Trust Assets: ............................. 0  Deposits: ............................................. 98,477 Federal Funds and Borrowings: ............. 620 Other L ia b ilitie s :.......................................... 497 Subordinated D e b t:..........................................0 Total Liabilities............................. 99,594 Total Equity Capital and Reserves: . . 11,146 Total Liabilites and C a p ita l:......110,740 Number of Shares Outstanding . . . . 19,977  Directors: Susan Brittain, Guy H. Collins, Jim Ferguson, Dale Horn, Tom Justus, Joe Keith, Paul Offutt, Don Walsh, W. R. Ward, Ross Whipple  Branches in Town:  One  Other Branches:  None  M ercantile Bank Mammoth Spring, AR Telephone: 625-3235 Facsimile: 625-7497 Population: 1,097  250 Main Street P. O. Box 310 72554-0310  Charter Number: 750 Date: Oct. 24, 1989 County: Fulton  Trust Department: No Bank Holding Company North Arkansas Bancshares, Inc., Jonesboro, AR  CEO: William 0. Pace Cash and Balances Due From Banks: 976 Federal Funds and R e p o s :.................. 900 Investments: 11,396 Total L o a n s :................................ 12,841 Bank Premises and Fixed Assets: . . 364 Other Real E s ta te :................................ 0 Other A s s e ts :................................ 1,657 Total Assets: ............................. 28,134 Total Trust Assets: ............................. 0  Deposits: ............................................... 25,103 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :...........................................181 Subordinated D e b t:..........................................0 Total Liabilities..................................... 25,284 Total Equity Capital and Reserves: . . . 2,850 Total Liabilites and C a p ita l:.................. 28,134 Number of Shares Outstanding .............8,000  Directors: Thomas Freeman, Richard Garrison, William R. Hass, G. L. Lieblong, William 0. Pace, Wendell Ragsdale Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  85  S e ve n ty Eighth Report  The M erchants and Planters Bank Manila, AR 319 N. Baltimore P. O. Box 440 72442-0440  Telephone: 561-4427 Facsimile: None Population: 2,635  Charter Number: 698 Date: March 16, 1948 County: Mississippi  Trust Department: No Bank Holding Company None  Chm: Peggy F. Cheadle CEO/EVP: Max H. Schrader  Pres: Betty F Schrader  Cash and Balances Due From Banks: . . 921 Federal Funds and Repos: . . . . . . . 1,125 Investm ents:........................................ 4,153 Total L o a n s :........................................ 9,228 Bank Premises and Fixed Assets: . . . . 172 Other Real Estate: ..................................... 0 Other Assets: .............................................191 Total Assets: 15,790 Total Trust Assets: 0  Deposits: ............................................... 13,695 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :...........................................128 Subordinated D e b t:......................................... 0 Total Liabilities.............................. 13,823 Total Equity Capital and Reserves: . . . 1,967 Total Liabilites and C a p ita l:......... 15,790 Number of Shares Outstanding . . . . 10,000  Directors: James B. Cheadle, Peggy F. Cheadle, Hulen Faulker, P. W. Fleeman, Danny Robbins, Betty F. Schrader, Max H. Schrader, L. E. Townsend Branches in Town:  One  Other Branches:  None  Bank of Mansfield Mansfield, AR Telephone: 928-4418 Facsimile: 928-5149 Population: 1,018  101 S. Sebascott P. O. Box 387 72944-0387  Charter Number: 678 Date: Feb. 16, 1939 County: Sebastian  Trust Department: No Bank Holding Company Mansfield Bankstock, Inc., Mansfield, AR  Chm: J. Michael Shaw CEO/Pres: Joe Terry VP: Paula Coward  VP: Lary Walker VP/Cash: Margo Jones VP/Aud: Elizabeth Hoopengarner  Cash and Balances Due From Banks: . . 423 Federal Funds and Repos: ....................... 350 Investm ents:............................... 9,419 Total L o a n s :..................................... 12,566 Bank Premises and Fixed Assets: . . . . 257 Other Real Estate: ............. 101 Other Assets: .............................................745 Total Assets: 23,861 Total Trust Assets: 0  Deposits: ............................................... 21,772 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :...........................................135 Subordinated D e b t:..........................................0 Total Liabilities....................................... 21,907 Total Equity Capital and Reserves: . . . 1,954 Total Liabilites and C a p ita l:................ 23,861 Number of Shares Outstanding .............9,600  Directors: Paula Coward, Earle Overton, J. Michael Shaw, S. M. Taylor, Joseph A. Terry, Lary Walker, R. D. Wooten Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  86  A rkansas S ta te Bank D epartm ent  Citizens Bank Marion, AR 115 Block Street P. 0. Box 300 72364-0300  Telephone: 739-4421 Facsimile: 739-1305 Population: 4,391  Charter Number: 677 Date: March 15, 1938 County: Crittenden  Trust Department: No Bank Holding Company First Citizens Bancshares Company, Marion, AR  Chm/CEO/Pres: Forrest N. Jenkins VP: Charles E. Horton AVP: Scott Bond  Cash: Joan Bass Asst Cash: Lucille Brackin Asst Cash: Gloria Spencer  Cash and Balances Due From Banks3,802 Federal Funds and F te p o s:.................. 400 Investments: 11,432 Total Loans: ................................ 19,839 Bank Premises and Fixed Assets: 1,177 Other Real E s ta te :............................... 252 Other Assets: ........................................416 Total Assets: .............................. 35,318 Total Trust Assets: ............................. 0  Deposits: 31,793 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :...........................................152 Subordinated D e b t:..........................................0 Total Liabilities....................................... 31,945 Total Equity Capital and Reserves: . . . 3,373 Total Liabilites and C a p ita l:.................. 35,318 Number of Shares Outstanding ............. 1,500  Directors: C. H. Bond, Jr., Sanders Carter, Franklin G. Fogleman, Julian Hardin, Allen Helms, Jr., Forrest N. Jenkins, Linda Jenkins, M. I. Pike, III, James R. Stockley, Joe Taylor, III, William Bart Turner Branches in Town:  None  Other Branches:  West Memphis  Marked Tree Bank Marked Tree, AR Telephone: 358-2600 Facsimile: 358-4210 Population: 3,100  210 Frisco Street P. 0. Box 160 72365-0160  Charter Number: 651 Date: March 3, 1932 County: Poinsett  Trust Department: Yes Bank Holding Company Marked Tree Bancshares, Inc., Marked Tree, AR  Chm: E. Ritter Arnold CEO/Pres: John A. Brunner, Jr. EVP/Sec: Phillip Marshall  VP/Cash: Frances Whitlow VP: Martha Williams  Cash and Balances Due From Banks: 825 Federal Funds and R e p o s :.................. 340 Investments: ........ ..................... 16,844 Total L o a n s :............. 9,845 Bank Premises and Fixed Assets: . . 1 6 9 Other Real Estate: ................................ 4 Other Assets: .......... 386 Total Assets: .......... 28,413 Total Trust Assets: ............................. 0  Deposits: ............................................... 24,719 Federal Funds and Borrowings: ................ 450 Other L ia b ilitie s:...........................................287 Subordinated D e b t:..........................................0 Total Liabilities..................................... 25,456 Total Equity Capital and Reserves: . . . 2,957 Total Liabilites and C a p ita l:.................. 28,413 Number of Shares Outstanding .............2,500  Directors:  E. Ritter Arnold, Mary Ann Arnold, Frank Brunner, Jr., J. Robert Brunner, John A. Brunner, Jr., Louis H. Goad, Daniel B. Hatzenbuehler  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  87  S eventy-E ighth Report  Searcy County Bank Marshall, AR Telephone: 448-3341 Facsimile: 448-5404 Population: 1,318  N.E. Corner of the Square P. O. Box 250 72650-0250  Charter Number: 679 Date: Feb. 26, 1940 County: Searcy  Trust Department: No Bank Holding Company North Arkansas Bancshares, Inc, Jonesboro, AR  CEO/Pres: Neil A. Wilkins, Sr. Cash and Balances Due From Banks: 1,909 Federal Funds and Repos: ................ 2,000 Investm ents:..................................... 16,138 Total L o a n s :..................................... 15,171 Bank Premises and Fixed Assets: . . . . 236 Other Real Estate: ..................................... 0 Other A s s e ts :.................. 1,762 Total Assets: 37,216 Total Trust Assets: 0  Directors:  Deposits: ............................................. 32,737 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :...........................................108 Subordinated D e b t:..........................................0 Total Liabilities..................................... 32,845 Total Equity Capital and Reserves: . . . 4,371 Total Liabilites and C a p ita l:.................. 37,216 Number of Shares Outstanding .............4,000  Virgil Blair, George E. Daniel, Bob Derickson, G. L. Lieblong, Ancil Mays, Neil A.  Wilkins, Sr.  Branches in Town:  None  Other Branches:  Leslie  Bank of McCrory McCrory, AR 124 Edmonds Avenue  Telephone: 731-2521 Facsimile: 731-2859 Population: 1,971  P. O Box 367 72101-0367  Charter Number: 128 Date: June 8, 1903 County: Woodruff  Trust Department: Yes Bank Holding Company Thompson Land Company, Inc., McCrory, AR  Chm: John G. Thompson CEO/Pres: Jerry Dyer VChm/SVP: H. Ripley Thomas SVP/Attny: John D. Eldridge  SVP/TO: Margaret Collier SVP: Donny Underwood VP/Cash: Bobby Trotter  Cash and Balances Due From Banks: 1,933 Federal Funds and Repos: . .............. 1,300 Investments: . . . . . . . . . . . . . . . 40,904 Total L o a n s :..................................... 15,809 Bank Premises and Fixed Assets: . . . . 270 Other Real Estate: ..................................... 0 Other Assets: ..................................... 1,139 Total Assets: 61,355 Total Trust Assets: 84  Deposits: 53,523 .................. 0 Federal Funds and Borrowings: Other L ia b ilitie s:...........................................507 Subordinated D e b t:..........................................0 Total Liabilities............................. 54,030 Total Equity Capital and Reserves: . . . 7,325 Total Liabilites and C a p ita l:..........61,355 Number of Shares Outstanding . . . . 20,000  Directors: Ian Arnoff, Donald Cain, Edwin B. Conner, Jr., Jerry M. Dyer, John D. Eldridge, John D. Eldridge, III, Fletcher C. Lewis, G. L. Morris, Jr., H. Ripley Thompson, John G. Thompson, Vance M. Thompson, III Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  A rkansas S ta te Bank D epartm ent  88  McGehee Bank McGehee, AR  Telephone: 2 2 2 -3 15 1 Facsimile: 222-6 159 Population: 4,997  301 N. Second Street P. 0. Box 787 71654-0787  Charter Number: 661 Date: Dec. 5, 1933 County: Desha  Trust Department: Yes Bank Holding Company Southeast Financial Bankstock Corporation, McGehee, AR  Chm: Sam Bowman CEO/Pres: Bill Bowman VChm: John Potter EVP/TO: Mike Smith  VP: Phillip Privett VP: Todd Potter Cash: Stephen Wilson  Cash and Balances Due From Banks3,169 Federal Funds and R e p o s :........... 4,950 Investments: 35,187 Total L o a n s :................................ 32,697 Bank Premises and Fixed Assets: . . 434 Other Real E s ta te :............................... 801 Other A s s e ts :................................ 1,092 Total Assets: ............................. 78,330 Total Trust Assets: ................... 29,386  Deposits: 66,316 ..................0 Federal Funds and Borrowings: Other L ia b ilitie s :...........................................629 Subordinated D e b t:..........................................0 Total Liabilities............................. 66,945 Total Equity Capital and Reserves: . . 11,385 Total Liabilites and C a p ita l:........ 78,330 Number of Shares Outstanding . . . . 80,000  Directors:  Robert Adcock, Bill Bowman, Sam Bowman, Jimmy Lee Buford, Bill Elliott, David Leech, Mark E. Sherland, Jr., Cecil Simpson, James N. Smith  Branches in Town:  One  Other Branches:  Watson, Arkansas City, Tillar  The Bank o f North Arkansas Melbourne, AR  Telephone: 368-4205 Facsimile: 368-4641 Population: 1,562  601 Main Street P. O. Box 70 72556-0070  Charter Number: 42 Date: July 29, 1896 County: Izard  Trust Department: No Bank Holding Company InvestArk Bankshares, Inc., Stuttgart, AR  Chm: Cole Martin  CEO/Pres: Lloyd T. Jones  Cash and Balances Due From Banks2,090 Federal Funds and R e p o s :................... 0 Investments: 34,054 Total L o a n s :................................ 25,172 Bank Premises and Fixed Assets: . . 947 Other Real E s ta te :..................................32 Other A s s e ts :....................................... 908 Total Assets: ............................. 63,203 Total Trust Assets: ............................. 0  Deposits: ............................................. 56,762 Federal Funds and Borrowings: .......... 1,650 Other L ia b ilitie s :.......................................... 320 Subordinated D e b t:..........................................0 Total Liabilities............................. 58,732 Total Equity Capital and Reserves: . . . 4,471 Total Liabilites and C a p ita l:......... 63,203 Number of Shares Outstanding . . . . 80,000  Directors: W. Wesley Arnold, Harry C. El'wih;'Vernon'Giss, HartrnHames, Tommy Hillman, Lloyd T. Jones, Sr., Cole Martin, James E. Miller, W. R. Stephens, Jri Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None j  Other branches:  Horseshoe Bend, Calico Rock  89  S eventy-E ighth Report  The Union Bank of Mena Mena, AR Telephone: 394-2211 Facsimile: 394-3809 Population: 5,475  515 Janssen Avenue P. O. Box 898 71953-0898  Charter Number: 667 Date: July 25, 1934 County: Polk  Trust Department: No Bank Holding Company Union Bankshares, Inc., Mena, AR  Chm: Edward W. Stevenson  CEO: Bill L. Wood  Cash and Balances Due From Banks: 2,568 Federal Funds and Repos: ....................... 800 Investm ents:..................................... 32,167 Total L o a n s :..................................... 52,091 Bank Premises and Fixed Assets: . . . . 589 Other Real Estate: ....................................... 13 Other Assets: ..................................... 1,830 Total Assets: 90,058 Total Trust Assets: 0  Deposits: ............................................... 80,911 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.......................................... 595 Subordinated D e b t:..........................................0 Total Liabilities....................................... 81,506 Total Equity Capital and Reserves: . . . 8,552 Total Liabilites and C a p ita l:................ 90,058 Number of Shares Outstanding ............. 1,200  Directors:  Bob Carver, John A. Crawford, R. L. Hamilton, David Maddox, Pauline Morrow, Gary Newcomb, Edward W. Stevenson, Bill L. Wood  Branches in Town:  One  Other Branches:  Wickes, Hatfield  M idSouth Bank Monette, AR 302 W. Drew P. 0. Box P 72447-0610  Telephone: 486-5493 Facsimile: 486-2250 Population: 1,115  Charter Number: 673 Date: Dec. 29, 1936 County: Craighead  Trust Department: No Bank Holding Company MSB Shares, Inc., Monette, AR  Chm: Carolyn Frierson CEO/Pres: Revis G. Stewart EVP: Terry Frierson SVP: Shirley Bronaugh  VP: Bill Clark VP: James R. Thompson VP: Janet Duffel  Cash and Balances Due From Banks: 2,234 Federal Funds and Repos: ........................ 0 Investm ents:..................................... 27,190 Total L o a n s :..................................... 42,295 Bank Premises and Fixed Assets: . . 1,315 Other Real Estate: .....................................290 Other Assets: ..................................... 1,247 Total Assets: 74,571 Total Trust Assets: 0  Deposits: ............................................... 68,313 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s:.......................................... 977 Subordinated D e b t:..........................................0 Total Liabilities..................................... 69,290 Total Equity Capital and Reserves: . . . 5,281 Total Liabilites and C a p ita l:................ 74,571 Number of Shares Outstanding .............4,000  Directors:  Shirley Bronaugh, George Delaney, Carolyn Frierson, Terry Frierson, B. R. Harper, Ruth Latta, Revis G. Stewart, J. E. Story, Bobby Wood  Branches in Town:  One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Jonesboro  90  A rkansas S ta te Bank D epartm ent  Commercial Bank & Trust Company Monticello, AR Telephone: 367-6221 Facsimile: 367-7700 Population: 8,116  212 W. Gaines Street P. O. Box 150 71655-0150  Charter Number: 396 Date: Nov. 29, 1912 County: Drew  Trust Department: Yes Bank Holding Company Drew Bancshares, Inc., Monticello, AR  Chm: Virginia Ryburn CEO/Pres: Reginald Glover VChm: Bennie Ryburn, Jr. EVP/TO: George Harris  SVP: Rusty Smith VP: Gene Gates VP: Lewis Orrell  Cash and Balances Due From Banks4,932 Federal Funds and R e p o s :........... 2,725 Investments: 24,737 Total L o a n s :................................ 41,152 Bank Premises and Fixed Assets: . . 881 Other Real E s ta te :................................110 Other A s s e ts :................................ 1,011 Total Assets: ............................. 72,548 Total Trust Assets: ..................... 3,360  Deposits: ............................................. 65,524 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s:...........................................483 Subordinated D e b t:..........................................0 Total Liabilities..................................... 66,007 Total Equity Capital and Reserves: . . . 6,541 Total Liabilites and C a p ita l:................ 72,548 Number of Shares Outstanding .............8,000  Directors: Joe Brannen, James Burks, C. C. Gibson, III, Reginald Glover, R. D. Jones, Jr., Bennie Ryburn, Jr., Virginia Ryburn, Kim Ward, Frank Wolfe  Branches in Town::  Three  Other Branches:  None  Union Bank And Trust Company Monticello, AR Telephone: 367-3453 Facsimile: 367-5183 Population: 8,116  102 W. McCloy P. O. Box 270 71655-0270  Charter Number: 448 Date: Sep. 15, 1915 County: Drew  Trust Department: Yes Bank Holding Company First Union Financial Corporation, Monticello, AR  Chm: Zach McClendon, Jr. CEO/Pres: James P. Jett  SVP: Beverly Hudson VP: Joe Fakouri  Cash and Balances Due From Banks3,357 Federal Funds and R e p o s :........... 4,655 Investments: 37,437 Total L o a n s :................................ 39,419 Bank Premises and Fixed Assets: 1,362 Other Real E s ta te :................................231 Other A s s e ts :................................ 1,462 Total Assets: ............................. 87,923 Total Trust Assets: ..................... 5,209  Deposits: ............................................. 79,558 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :.......................................... 591 Subordinated D e b t:..........................................0 Total Liabilities.............................. 80,149 Total Equity Capital and Reserves: . . . 7,774 Total Liabilites and C a p ita l:........ 87,923 Number of Shares Outstanding . . . . 71,046  Directors: William K. Ball, Brown Calhoun,  Frank Carson, Jr., Jonathan Davin, Chuck Dearman, Dale Handley, Charles Jackson, James P. Jett, Zach McClendon, Jr., Wells Moffatt, John Porter Price, Richard Reinhart, Juan Trotter, David Wilkins, Al Williams  Branches in Town: One  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  W ilm ar  91  S e ve n ty Eighth Report  The Bank of M ontgom ery County Mount Ida, AR Telephone: 867-3148 Facsimile: 867-4333 Population: 775  George Street P. 0. Box 435 71957-0435  Charter Number: 617 Date: Nov. 26, 1930 County: Montgomery  Trust Department: Yes Bank Hoiding Company Montgomery County Bancshares, Inc., Little Rock, AR  CEO/Pres: Daniel C. Horton EVP: Melvin L. Simpson  SVP: Marcia Summitt Cash: Hettie Abernathy  Cash and Balances Due From Banks: 1,992 Federal Funds and Repos: .................. 0 Investm ents:..................................... 19,593 28,382 Total L o a n s :....................... Bank Premises and Fixed Assets: . . . . 294 Other Real Estate: ..................................... 0 Other Assets: ..................................... 1,093 Total Assets: 51,354 Total Trust Assets: 0  Deposits: ............................................. 43,470 Federal Funds and Borrowings: ................ 810 Other L ia b ilitie s:...........................................141 Subordinated D e b t:......................................... 0 Total Liabilities..................................... 44,421 Total Equity Capital and Reserves: . . . 6,933 Total Liabilites and C a p ita l:.................. 51,354 Number of Shares Outstanding .............4,000  Directors: A. L. Banta, Bill Barnes, Joe Brakefield, Jr., Bob Campbell, Harold Campbell, Daniel C. Horton, Denver Jones, Bill Lawrence, Bobby Lybrand, Ode Maddox, G. R. Mosley, Doyle O'Neal, John Selig, Melvin L. Simpson Branches in Town:  None  Other Branches:  None  Peoples Bank And Trust Company Mountain Home, AR Telephone: 425-2166 Facsimile: None Population: 9,027  Ninth & Baker Streets P.O. Drawer B 72653-0458  Charter Number: 147 Date: Aug. 10, 1906 County: Baxter  Trust Department: Yes Bank Holding Company Baxter County Bancshares, Inc., Mountain Home, AR  Chm: Reynie Rutledge CEO/Pres: Larry Nelson SVP: Charles A. Morton  SVP: Clyde R. Thorn, Jr. SVP: James E. Reves TO: Paul E. Johnson  Cash and Balances Due From Banks: 4,735 Federal Funds and Repos: 1,400 Investm ents:..................................... 106,507 Total L o a n s :..................................... 64,568 Bank Premises and Fixed Assets: . . . . 619 Other Real Estate: .....................................484 Other Assets: ..................................... 2,467 Total Assets: 180,780 Total Trust Assets: 16,492  Deposits: 162,414 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s:....................................... 1,246 Subordinated D e b t:..........................................0 Total Liabilities.................................. 163,660 Total Equity Capital and Reserves: . . 17,120 Total Liabilites and C a p ita l:............. 180,780 Number of Shares Outstanding . . . 110,000  Directors: R. E. Baker, James H. Faulkner, D. Eugene Fortson, Donald T. Jack, Jr., Guy King, James E. Lindsey, Larry G. Nelson, Neil Nelson, N. T. Rutledge, Reynie Rutledge, W. M. Thompson Branches in Town:  One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  A rkansas S ta te Bank D epartm ent  92  Bank o f Mountain V iew Mountain View, AR Telephone: 269-3815 Facsimile: 269-2899 Population: 2,439  Main Street P.O. Box 1228 72560-1228  Charter Number: 446 Date: July 21, 1915 County: Stone  Trust Department: No Bank Holding Company None  Chm: Glen Hinkle Pres: James G. Hinkle  EVP: Weldon Duncan VP/Cash: Ron Sims  Cash and Balances Due From Banks3,132 Federal Funds and R e p o s :........... 1,980 Investments: 38,189 Total L o a n s :................................ 32,307 Bank Premises and Fixed Assets: . . 587 Other Real E s ta te :................................162 Other A s s e ts :................................ 1,664 Total Assets: ............................. 78,021 Total Trust Assets: ............................. 0  Deposits: ............................................... 64,412 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s:.......................................... 260 Subordinated D e b t:..........................................0 Total Liabilities..................................... 64,672  Directors:  Total Equity Capital and Reserves: . . 13,349 Total Liabilites and C a p ita l:................ 78,021 Number of Shares Outstanding .............4,000  Glen Hinkle, James G. Hinkle, Kenneth Sutton  Branches in Town:  One  Other Branches:  None  Bank o f Mulberry Mulberry, AR Telephone: 997-1154 Facsimile: 997-1161 Population: 1,448  311 Main Street P.O. Drawer A 72947-0480  Charter Number: 81 Date: Jan. 15, 1902 County: Crawford  Trust Department: No Bank Holding Company Acme Holding Company, Inc., Little Rock, AR  Chm: Lex Golden CEO/Pres: Betty Feller  VP/Cash: Dianna J. Millsap  Cash and Balances Due From Banks: 878 Federal Funds and R e p o s :........... 1,965 Investments: 3,847 Total L o a n s :................................ 17,174 Bank Premises and Fixed Assets: . . 358 Other Real E s ta te :................................566 Other A s s e ts :....................................... 447 Total Assets: ............................. 25,235 Total Trust Assets: ............................. 0  Deposits: ............................................. 22,626 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :...........................................173 Subordinated D e b t:..........................................0 Total Liabilities..................................... 22,799  Directors:  Total Equity Capital and Reserves: . . . 2,436 Total Liabilites and C a p ita l:................ 25,235 Number of Shares Outstanding .............4,000  Lex Golden, Betty Feller, W. J. Medlock  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  93  S eventy-E ighth Report  Pike County Bank Murfreesboro, AR 101 N. Washington Street P. 0. Box 279 71958-0297  Telephone: 285-2755 Facsimile: 285-3335 Population: 1,542  Charter Number: 175 Date: Dec. 19, 1904 County: Pike  Trust Department: No Bank Holding Company Bainum Bancorp, II, Murfreesboro, AR  Chm: Irvin C. Bainum  CEO: Brenda Smith  Cash and Balances Due From Banks: 2,503 Federal Funds and Repos: ....................... 200 Investm ents:..................................... 28,407 Total L o a n s :..................................... 30,194 Bank Premises and Fixed Assets: . . 1,061 Other Real Estate: ............................. 1,030 Other A s s e ts :..................................... 1,588 Total Assets: 64,983 Total Trust Assets: 0  Deposits: ............................................. 59,326 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:.......................................... 395 Subordinated D e b t:..........................................0 Total Liabilities.............................. 59,721 Total Equity Capital and Reserves: . . . 5,262 Total Liabilites and C a p ita l:........ 64,983 Number of Shares Outstanding . . . . 17,200  Directors: Irvin C. Bainum, Mark Bainum, Thomas Bridgeman, Robert Evans, Buel Hawkins, Cooper Kizzia, John Ross, Brenda Smith, George E. Steel, Jr., Bill Spigner Branches in Town:  None  Other Branches:  Mineral Springs, Nashville  First State Bank o f N ew port Newport, AR Telephone: 523-7500 Facsimile: 523-4124 Population: 7,459  Second & Hazel P. 0. Box 340 72112-0340  Charter Number: 738 Date: July 6, 1978 County: Jackson  Trust Department: Yes Bank Holding Company North Arkansas Bancshares, Inc., Jonesboro, AR  CEO/Pres: Tommy Hargrove VP-Loans: Bill Elliott, Jr.  VP-Oper: Mike Tinsley TO: Laverne Crum  Cash and Balances Due From Banks: 3,068 Federal Funds and Repos: ................ 3,175 Investm ents:..................................... 16,104 Total L o a n s :..................................... 35,510 Bank Premises and Fixed Assets: . . 1,257 Other Real Estate: ..................................... 156 Other Assets: ..................................... 3,547 Total Assets: 62,817 Total Trust Assets: 8,215  Deposits: 54,774 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:...........................................267 Subordinated D e b t:..........................................0 Total Liabilities............................. 55,041 Total Equity Capital and Reserves: . . . 7,776 Total Liabilites and C a p ita l:......... 62,817 Number of Shares Outstanding . . . . 29,336  Directors:  Morris Crandall, Stephen Graham, Shirley Haigwood, Thomas Hargrove, Phillip Hout, David Johnston, George Kell, G. L. Lieblong, Joe David Smith, Robert Vanhook, Forrest Wise  Branches in Town:  One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Tuckerm an  94  Arkansas S ta te Bank D epartm ent  M erchants & Planters Bank Newport, AR Telephone: 523-3601 Facsimile: 523-3473 Population: 7,459  Second and Hazel P. O. Box 550 72112-0550  Charter Number: 694 Date: Mar. 20, 1946 County: Jackson  Trust Department: Yes Bank Holding Company M & P Community Bancshares, Inc., Newport, AR  Chm/CEO/Pres/TO: Jim S. Gowen, Sr. VP/Cash: Patricia H. Davis SVP: Terry L. Dillon VP: Carla P. Stiger Cash and Balances Due From Banks3,584 Federal Funds and R e p o s :........... 1,650 Investments: 26,195 Total L o a n s :..................... 32,928 Bank Premises and Fixed Assets: . . 712 Other Real E s ta te :............................... 380 Other A s s e ts :................................ 1,959 Total Assets: ............................. 67,408 Total Trust Assets: ..................... 3,529  Deposits: ............................................... 61,023 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.......................................... 342 Subordinated D e b t:....................................... 50 Total Liabilities....................................... 61,415 Total Equity Capital and Reserves: . . . 5,993 Total Liabilites and C a p ita l:................ 67,408 Number of Shares Outstanding .............9,000  Directors: Jim S. Gowen, Sr., Morris Bowman, R. Owen Burton, Thomas R. Curtner, Troy A. Gray, Robert Harvey, Fred M. Pickens, Jr., Geral A. Saracini, J. Edward Scoggins Branches in Town:  One  Other Branches:  None  Bank o f Little Rock North Little Rock, AR Telephone: 376-3523 Facsimile: 376-1642 Population: 61,741  Charter Number: 748 Date: May 4, 1989 County: Pulaski  305 E. Broadway P. 0. Box 5821 72119-5821 Trust Department: Yes Bank Holding Company None  Chm/CEO: Eugene L. Maris  Pres: George G. Worthen  Cash and Balances Due From Banksi1,493 Federal Funds and R e p o s :.................. 275 Investments: 4,751 Total L o a n s :................................ 18,143 Bank Premises and Fixed Assets: . . 702 Other Real E s ta te :............................... 470 Other A s s e ts :................................ 1,032 Total Assets: ............................. 26,866 Total Trust Assets: ............................. 0  Deposits: 23,751 Federal Funds and Borrowings: .................... 0 Other L ia b ilitie s:.......................................... 253 Subordinated D e b t:..........................................0 Total Liabilities.............................. 24,004 Total Equity Capital and Reserves: . . . 2,862 Total Liabilites and C a p ita l:......... 26,866 Number of Shares Outstanding . . .100,000  Directors:  J. Harry Leggett, Jr., Eugene L. Maris, James May, III, Steven Plunkett, Stephen Russell, George G. Worthen  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  Little Rock  (2)  95  S eventy-E ighth Report  The Tw in City Bank North Little Rock, AR Telephone: 688-1000 Facsimile: 688-1095 Population: 61,741  1 Riverfront Place P. 0. Box 5581 72114-5581  Charter Number: 671 Date: March 21, 1935 County: Pulaski  Trust Department: Yes Bank Holding Company TCBankshares, Inc., North Little Rock, AR  CEO/Pres: T. E. Renaud Cash and Balances Due From Banks: 22,792 Federal Funds and Repos: ........................ 0 Investm ents:..................................... 379,363 Total L o a n s :....................................... 314,741 Bank Premises and Fixed Assets: . 16,077 Other Real Estate: ............................. 2,653 Other Assets: .................................. 12,557 Total Assets: 748,183 Total Trust Assets: 157,717  Deposits: .......................................... 665,120 Federal Funds and Borrowings: . . . . 21,659 Other L ia b ilitie s:....................................... 6,428 Subordinated D e b t:..................................... 175 Total Liabilities.................................. 693,382 Total Equity Capital and Reserves: . . 54,801 Total Liabilites and C a p ita l:............. 748,183 Number of Shares Outstanding . . . 279,500  Directors: Joesph Bates, Martin Borchert, Frank Lyon, Jr., Henry Mariani, Mike Mehaffy, Eugene M. Pfeifer,III, George Pitts, T. E. Renaud, George Rozzell, Jr., George W. Tribou, Larry Wallace Branches in Town:  Eight  Other Branches:  Little Rock (7), Maumelle, Sherwood, Jacksonville  American State Bank Osceola, AR Telephone: 655-8374 Facsimile: 655-8522 Population: 8,930  749 W. Keiser Street 72370-3505  Charter Number: 262 Date: Oct. 3, 1908 County: Mississippi  Trust Department: No Bank Holding Company None  Chm: Steve Wilson  CEO/Pres: Charles L. Miller  Cash and Balances Due From Banks: . . 646 Federal Funds and Repos: ................ 2,200 Investm ents:........................................ 8,399 Total L o a n s :........................................ 5,639 Bank Premises and Fixed Assets: . . . . 146 Other Real Estate: ..................................... 0 Other A s s e ts :.............................................319 Total Assets: 17,349 Total Trust Assets: 0  Deposits: ................................................13,873 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s:.............................................66 Subordinated D e b t:..........................................0 Total Liabilities........................................13,939 Total Equity Capital and Reserves: . . . 3,410 Total Liabilites and C a p ita l:...................17,349 Number of Shares Outstanding .............4,000  Directors:  Harold Clemons, Sumner R. Cullom, Phillip Forrester, J. B. Hilliard, Charles L. Miller, Larry Wamble, Michael E. Wilson, Mildred P. Wilson, R. E. L. Wilson, V, Steve Wilson  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Wilson, Keiser  Arkansas S ta te Bank D epartm ent  96  The Planters Bank Osceola, AR Telephone: 563-2265 Facsimile: 563-3436 Population: 8,930  1300 W. Keiser P. 0. Box 407 72370-0407  Charter Number: 684 Date: April 13, 1944 County: Mississippi  Trust Department: No Bank Holding Company None  Chm: Sloan Rainwater CEO/Pres: Jim Hinkle VChm: William I. Rainwater VP: Gary Little  VP: Nancy Hall Asst Cash: Jan Stiles Asst Cash: Suzanne Baker Asst Cash: Pat Chandler  Cash and Balances Due From Banks2,314 Federal Funds and F te p o s:........... 3,100 Investments: 12,362 Total Loans: ................................ 21,929 Bank Premises and Fixed Assets: 1,509 Other Real Estate: ................................ 180 Other Assets: .......... 481 41,875 Total Assets: .......... Total Trust Assets: ............................. 0  Deposits: ............................................. 36,672 Federal Funds and Borrowings: ............. 386 Other L ia b ilitie s :.......................................... 223 Subordinated D e b t:..........................................0 Total Liabilities............................. 37,281 Total Equity Capital and Reserves: . . . 4,594 Total Liabilites and C a p ita l:......... 41,875 Number of Shares Outstanding . . . . 20,000  Directors: Paul Billings, Steve Cox, Virginia Cox, J. A. Crosthwait, Charles J. Lowrance, IV, Dewey Neely, John N. Newcomb, Sloan Rainwater, William I. Rainwater, Jr., E. H. Riley, Henry J. Swift, Lowell 0. Winston, Jr. Branches in Town:  Two  Other Branches:  None  Bank o f Ozark Ozark, AR Telephone: 667-2181 Facsimile: 667-5166 Population: 3,330  Commercial at Sixth P. O. Box 196 72949-0196  Charter Number: 674 Date: June 9, 1937 County: Franklin  Trust Department: Yes Bank Holding Company Bankstock One, Inc., Ozark, AR  Chm: Carl G. Holt CEO: George G. Gleason, II Dpty CEO: Linda Gleason Pres/BSC: Mark D. Ross  SVP/Cash: Harold D. Beck SVP: R. Darrel Russell VP: A. C. Moncrief VP/TO: Pamela J. Minshew  Cash and Balances Due From Banks3,469 Federal Funds and R e p o s :........... 2,400 Investments: 20,132 Total L o a n s :................................ 66,324 Bank Premises and Fixed Assets: 1,671 Other Real E s ta te :........................ 2,456 Other A s s e ts :................................ 1,792 Total Assets: ............................. 98,244 Total Trust Assets: ..................... 7,600  Deposits: ............................................. 88,405 Federal Funds and Borrowings: ..............176 Other L ia b ilitie s :...........................................582 Subordinated D e b t:..........................................0 Total Liabilities.............................. 89,163 Total Equity Capital and Reserves: . . . 9,081 Total Liabilites and C a p ita l:........ 98,244 Number of Shares Outstanding . . . . 27,399  Directors: Larry M. Dicks, Linda D. Gleason, George G. Gleason, II, W. D. Gober, O. Porter Hillard, Carl G. Holt, Mark D. Ross, Gus Shaffer, Kennith Smith Digitized for Branches FRASER in Town: None http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  A ltu s  97  S eventy-E ighth Report  Peoples Bank Paragouid, AR 300 W. Emerson P. 0. Box 490 72451  Telephone: 236-7623 Facsimile: 2336-7492 Population: 18,500  Charter Number: 762 Date: Sep. 13, 1991 County: Greene  Trust Department: Yes Bank Holding Company Spring Rivers Bancshares, Inc., Imboden, AR  Chm/CEO/Pres: Charles F. Luter EVP: Neal Cole  SVP: Preston Clark  Cash and Balances Due From Banks: Federal Funds and Repos: ................ Investm ents:....................................... Total L o a n s :..................................... Bank Premises and Fixed Assets: . . Other Real Estate: ............................ Other Assets: .......................... Total Assets: Total Trust Assets:  Directors:  . . 912 2,600 1,293 17,036 . . 686 588 135 23,250 0  Deposits: ............................................. 20,083 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :.............................................71 Subordinated D e b t:......................................... 0 Total Liabilities.............................. 20,154 Total Equity Capital and Reserves: . . . 3,096 Total Liabilites and C a p ita l:........ 23,250 Number of Shares Outstanding . . . . 17,811  Preston Clark, Bob J. Downing, Jerry R. Foley, Charles F. Luter, Dan Matthews  Branches in Town:  None  Other Branches:  Rector  Security Bank Paragouid, AR Telephone: 239-9571 Facsimile: 239-3410 Population: 18,500  Court & Pruett P. O. Box 670 72450-0670  Charter Number: 640 Date: Feb. 5, 1931 County: Greene  Trust Department: Yes Bank Holding Company Mid South Bancshares, Inc., Paragouid, AR  Chm: Frank Oldham, Jr. CEO/Pres: Steve Gramling SVP/Cash: Sandra Kasserman  VP-Loans: David Dudley TO: Sharon Johnson  Cash and Balances Due From Banks: 4,777 Federal Funds and Repos: 0 Investm ents:..................................... 24,542 Total L o a n s :.......................... 71,597 Bank Premises and Fixed Assets: . . 3,978 Other Real Estate: . . . . 1,159 Other Assets: ..................................... 1,934 Total Assets: 107,987 Total Trust Assets: 4,106  Deposits; ............................................. 97,607 Federal Funds and Borrowings: ............. 1,113 Other L ia b ilitie s:.......................................... 849 Subordinated D e b t:..................................... 600 Total Liabilities ......................................100,169 Total Equity Capital and Reserves: . . . 7,818 Total Liabilites and C a p ita l:............. 107,987 Number of Shares Outstanding . . . 120,000  Directors: Herb Bland, David Dudley, William Fisher, Steve Gramling, Frank Guinn, Marlin Jackson, Jerry McIntosh, Richard Nutt, Frank Oldham, Jr., Donald I. Purcell, Everett I. Rogers, Mack Shotts, Vern Ann Shotts, Terry Wilkins Branches in Town:  Two   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  M arm aduke  98  A rkansas S ta te Bank D epartm ent  Southeast Arkansas Bank Parkdale, AR Telephone: 473-2217 Facsimile: 473-2492 Population: 393  Hwy. 165 & State Hwy P. O. Box 37 71661-0037  Charter Number: 141 Date: Feb. 1, 1910 County: Ashley  Trust Department: No Bank Holding Company None  Chm: Thomas R. Pugh CEO/Pres: George L. Pugh EVP: Bruce M. Timmons  VP/Cash: Nita D. Williamson VP: Margie Reginelli  Cash and Balances Due From Banks: 606 Federal Funds and R e p o s :................... 0 Investments: 7,650 Total L o a n s :................................ 16,925 Bank Premises and Fixed Assets: . . 396 Other Real E s ta te :................................117 Other A s s e ts :........................................504 Total Assets: ............................. 26,198 Total Trust Assets: ............................. 0  Deposits: ............................................... 21,378 Federal Funds and Borrowings: .......... 2,235 Other L ia b ilitie s :...........................................177 Subordinated D e b t:..........................................0 Total Liabilities............................. 23,790 Total Equity Capital and Reserves: . . . 2,408 Total Liabilites and C a p ita l:......... 26,198 Number of Shares Outstanding . . . . 16,000  Directors: J. A. Gibson, Dewayne Haynes, J. C. Larrison, James N. Murphy, Ernest G. O'Neal, Augustus H. Pugh, Frank A. Pugh, George L. Pugh, Thomas R. Pugh, Harrison Ralph, Neill M. Sloan, Carl Wells Branches in Town:  None  Other Branches:  Hamburg  First State Bank Parkin, AR Telephone: 755-5401 Facsimile: 755-2567 Population: 1,847  25 W. Parkin Avenue P. O. Box 526 72373-0526  Charter Number: 568 Date: June 5, 1925 County: Cross  Trust Department: No Bank Holding Company Parkin Bancorp, Inc., Parkin, AR  Chm: William N. Griffin CEO/Pres: Frank Wallace VP/Cash: Brenda F. Williams  AVP: Gayle M. Cameron Asst Cash: Lori N. Roeder Asst Cash: Joan Spaine McKnight  Cash and Balances Due From Banks: 615 Federal Funds and R e p o s :.................. 100 Investments: 4,609 Total L o a n s :.................................. 8,504 Bank Premises and Fixed Assets: . . 179 Other Real E s ta te :..................................69 Other A s s e ts :........................................160 Total Assets: ............................. 14,236 Total Trust Assets: ............................. 0  Deposits: ................................................12,662 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :...........................................170 Subordinated D e b t:..........................................0 Total Liabilities........................................12,832 Total Equity Capital and Reserves: . . . 1,404 Total Liabilites and C a p ita l:...................14,236 Number of Shares Outstanding .............4,000  Directors: John A. Brenner, Fred E. Brenner, Jr., John A. Brenner, Jr., Raymond S. Clift, Frankie C. Givens, Neil Griffin, William N. Griffin, Jack E. McNeil, Jr., William B. McSwain, Charles Ruston, Jr., Frank G. Wallace  Branches in Town: None http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  99  S eventy-E ighth Report  The Perry County Bank Perryviile, AR Charter Number: 690 Date: Dec. 8, 1945 County: Perry  201 Main Street P. O. Box 189 72126-0189  Telephone: 889-2318 Facsimile: 889-2966 Population: 1,141  Trust Department: No Bank Holding Company Perry County Bancshares, Inc., Perryviile, AR  Chm: Herby Branscum, Jr.  CEO/Pres: Neal Ainley  Cash and Balances Due From Banks: 1,923 Federal Funds and Repos: 425 Investm ents:..................................... 19,547 Total L o a n s :..................................... 28,391 Bank Premises and Fixed Assets: . . . . 299 Other Real Estate: ..................................... 0 Other Assets: .............................................659 Total Assets: 51,244 Total Trust Assets: 0  Deposits: 46,432 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:.......................................... 313 Subordinated D e b t:..........................................0 Total Liabilities............................. 46,745  Directors:  Total Equity Capital and Reserves: . . . 4,499 Total Liabilites and C a p ita l:......... 51,244 Number of Shares Outstanding . . . . 16,000  Neal Ainley, Herby Branscum, Jr., Robert M. Hill, Charles V. Roland, Sr.  Branches in Town:  One  Other Branches:  None  Piggott State Bank Piggott, AR Telephone: 598-3802 Facsimile: 598-2026 Population: 3 ,7 7 7  212 W. Cherry P. 0. Box 307 7 2 4 5 4 -0 3 0 7  Charter Number: 613 Date: March 10, 1930 County: Clay  Trust Department: No Bank Holding Company Piggott Bankstock, Inc., Piggott, AR  Chm/CEO/Pres: Paula O. Blackwell Cash and Balances Due From Banks: 3,032 Federal Funds and Repos: 400 Investm ents:..................................... 13,896 Total L o a n s :..................................... 17,000 Bank Premises and Fixed Assets: . . . . 440 Other Real Estate: ..................................... 0 Other Assets: .............................................467 Total Assets: 35,235 Total Trust Assets: 0  Directors:  Deposits: 32,106 Federal Funds and Borrowings: 0 Other L ia b ilitie s:...........................................256 Subordinated D e b t:..........................................0 Total Liabilities..................................... 32,362 Total Equity Capital and Reserves: . . . 2,873 Total Liabilites and C a p ita l:................ 35,235 Number of Shares Outstanding .............4,000  Steve Bell, Paula 0 . B lackw ell, Jam es C. Poole  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  100  A rkansas S tate Bank D epartm ent  First State Bank Plainview, AR Main & Broadway P. 0. Box 277 72857-0277  Telephone: 272-4221 Facsimile: 272-4154 Population: 685  Charter Number: 663 Date: Jan. 12, 1934 County: Yell  Trust Department: No Bank Holding Company Clement Bancshares, Inc., Plainview, AR  Chm/CEO/Pres: John Clement EVP: Ralph W. Wilson  VP/Cash: Theogene Bollan VP: James N. Bata  Cash and Balances Due From Banks3,212 Federal Funds and R e p o s :.................. 230 Investments: 5,455 Total L o a n s :................................ 18,476 Bank Premises and Fixed Assets: . . 135 Other Real E s ta te :............................... 227 Other A s s e ts :................................ 1,566 Total Assets: ............................. 27,301 Total Trust Assets: ............................. 0  Deposits: ............................................... 24,312 Federal Funds and Borrowings: .................. 5 Other L ia b ilitie s :...........................................153 Subordinated D e b t:..........................................0 Total Liabilities............................. 24,470  Directors:  Total Equity Capital and Reserves: . . . 2,831 Total Liabilites and C a p ita l:......... 27,301 Number of Shares Outstanding . . . . 20,000  John Clement, Thelma W. Clement, George Tippin, Jimmy Weaver, Ralph Wilson  Branches in Town:  None  Other Branches:  Ola  Bank of Pocahontas Pocahontas, AR Telephone: 892-5286 Facsimile: 892-8381 Population: 6,151  101 Broadway P. O. Box 467 72455-0467  Charter Number: 145 Date: Oct. 31, 1903 County: Randolph  Trust Department: No Bank Holding Company Pocahontas Bankstock, Inc., Pocahontas, AR  Chm/CEO/Pres: John R. Jackson, Jr. Asst Pres: Ronald E. Wurtz VP/Cash: W. H. Holobaugh  VP: Max R. Long AVP: Mary D. Jackson  Cash and Balances Due From Banks3,548 Federal Funds and R e p o s :........... 2,300 Investments: ............................. 33,859 Total L o a n s:................................ 19,725 Elank Premises and Fixed Assets: . . 162 Other Real E s ta te :................................ 0 Other A s s e ts :....................................... 860 Total Assets: ............................. 60,454 Total Trust Assets: ............................. 0  Deposits: ............................................. 54,058 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.......................................... 261 Subordinated D e b t:..........................................0 Total Liabilities....................................... 54,319 Total Equity Capital and Reserves: . . . 6,135 Total Liabilites and C a p ita l:................ 60,454 Number of Shares Outstanding .............5,000  Directors: Carol Belford-Lewallen, Frank Bigger, Don R. Cox, Phillip Futrell, John R. Jackson, Jr., Michael McNabb  Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  One  Other Branches:  None  101  S eventy-E ighth Report  Planters & Stockmen Bank Pocahontas, AR 205 Rice Street P. O. Box 587 72455-0587  Telephone: 892-5252 Facsimile: 892-8251 Population: 6,151  Charter Number: 715 Date: June 12, 1962 County: Randolph  Trust Department: No Bank Holding Company Walden Holding Company, Pocahontas, AR  Chm: Frank E. Walden  CEO/Pres: Jeriel A. Summitt  Cash and Balances Due From Banks: 1,951 Federal Funds and Repos: ................ 2,775 Investm ents:....................................... 5,827 Total L o a n s :..................................... 17,797 Bank Premises and Fixed Assets: . . 1,200 Other Real Estate: ..................................... 0 Other Assets: .............................................437 Total Assets: 29,987 Total Trust Assets: 0  Deposits: ............................................. 27,059 Federal Funds and Borrowings: ................. 0 Other L ia b ilitie s:.......................................... 262 Subordinated D e b t:..........................................0 Total Liabilities............................. 27,321  Directors:  Total Equity Capital and Reserves: . . . 2,666 Total Liabilites and C a p ita l:........ 29,987 Number of Shares Outstanding . . . . 10,000  A. J. Baltz, Jr., Bill Hurt, Jr., Jim King, James McCurter, Jeriel Summitt, Frank E.  Walden  Branches in Town:  None  Other Branches:  None  The Peoples Bank Portland, AR Telephone: 737-2236 Facsimile: 737-2816 Population: 560  Main Street P. 0. Box 178 71663-0178  Charter Number: 251 Date: Jan. 22, 1908 County: Ashley  Trust Department: No Bank Holding Company Mainline Bankshares of Portland, Inc., Portland, AR  Chm: Hampton Pugh  CEO/Pres: Tipton Pugh  Cash and Balances Due From Banks: . . 266 Federal Funds and Repos: 0 Investm ents:........................................ 8,960 Total L o a n s :..................... 1,249 Bank Premises and Fixed Assets: 6 Other Real Estate: ..................................... 0 Other Assets: ..................... 208 Total Assets: .................................. 10,689 Total Trust Assets: ........................... .... . 0  Deposits: 9,552 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s:.............................................36 Subordinated D e b t:..........................................0 Total Liabilities .......................................... 9,588  Directors:  Total Equity Capital and Reserves: . . . 1,101 Total Liabilites and C a p ita l:...................10,689 Number of Shares Outstanding .............4,000  Ja ck Edw ards, H am pton Pugh, M ary Dean Pugh, T ip to n Pugh  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  102  Arkansas S ta te Bank D epartm ent  Portland Bank Portland, AR Telephone: 737-2226 Facsimile: 737-4263 Population: 560  Main Street P. 0. Box 68 71663-0068  Charter Number: 57 Date: April 23, 1900 County: Ashley  Trust Department: No Bank Holding Company Portland Bankshares, Inc., Portland, AR  Chm: Robert D. Pugh  CEO/Pres: Jerry D. Sadler  Cash and Balances Due From Banks: 498 Federal Funds and F te p o s:.................. 780 Investments: 5,375 Total L o a n s :.................................. 7,946 Bank Premises and Fixed Assets: . . 155 Other Real E s ta te :..................................29 Other A s s e ts :....................................... 221 Total Assets: ............................. 15,004 Total Trust Assets: ............................. 0  Deposits: ................................................13,347 .................. 0 Federal Funds and Borrowings: Other L ia b ilitie s :.............................................96 Subordinated D e b t:..........................................0 Total Liabilities...............................13,443 Total Equity Capital and Reserves: . . . 1,561 Total Liabilites and C a p ita l:..........15,004 Number of Shares Outstanding . . . . 20,000  Directors: Mack Borgognoni, C. E. Bridewell, Charles F. LaGrone, Benton Newcome, Joel Newcome, William Oldham, Robert D. Pugh, Don Pylate, Jerry Sadler, Eddie Scherm Branches in Town:  None  Other Branches:  None  The Farmers & M erchants Bank Prairie Grove, AR 102 E. Buchanan P. 0. Box 207 72753-0207  Telephone: 846-2115 Facsimile: 846-3942 Population: 1,761  Charter Number: 166 Date: Aug. 29, 1904 County: Washington  Trust Department: No Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR  Chm: Jim Walton CEO/Pres: Gregory D. Reed  SVP: Jason F. Tennant  Cash and Balances Due From Banks2,428 Federal Funds and Repos: . . . . 11,440 Investments: 37,695 Total L o a n s :................................ 21,098 Bank Premises and Fixed Assets: . . 291 Other Real E s ta te :..................................25 Other A s s e ts :................................ 1,699 Total Assets: ............................. 74,676 Total Trust Assets: ............................. 0  Deposits: ............................................. 63,763 ..................0 Federal Funds and Borrowings: Other L ia b ilitie s:...........................................270 Subordinated D e b t:..........................................0 Total Liabilities............................. 64,033 Total Equity Capital and Reserves: . . 10,643 Total Liabilites and C a p ita l:........ 74,676 Number of Shares Outstanding . . . . 12,000  Directors: Billy Joe Bartholomew, Michael H. Fidler, David M. Parks, Gregory D. Reed, James C. Rieff, Jim Walton Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  Farm ington  103  S eventy-E ighth Report  Bank of Prescott Prescott, AR Telephone: 887-2688 Facsimile: 887-6822 Population: 3,673  E.  Second at Main Drawer 490 71857-0490  Charter Number: 162 Date: Aug. 10, 1904 County: Nevada  Trust Department: Yes Bank Holding Company First State Holding Company of Prescott, Prescott, AR  CEO/Pres: John Warren Brannan, Sr. Cash and Balances Due From Banks: 2,252 Federal Funds and Repos: 0 Investm ents:..................................... 34,099 Total L o a n s :..................................... 19,234 Bank Premises and Fixed Assets: . . . . 448 Other Real Estate: ....................................... 82 Other A s s e ts :.............................................866 Total Assets: 56,981 Total Trust Assets: 0  Deposits: ............................................... 51,249 Federal Funds and Borrowings: ............. 350 Other L ia b ilitie s:.......................................... 758 Subordinated D e b t:..........................................0 Total Liabilities............................. 52,357 Total Equity Capital and Reserves: . . . 4,624 Total Liabilites and C a p ita l:......... 56,981 Number of Shares Outstanding . . . . 24,000  Directors: John Warren Brannan, Sr., John Warren Brannan, Jr., Carl Balrymple, Jr., B. A. Delamar, James E. Franks, Robert L. Godwin, Jean K. Jones, R. K. McCasland, Abb Morman, R. W. Murry, James A. Pullen, Milburn Tippit, John Vansickle Branches in Town:  One  Other Branches:  None  The Bank of Rector Rector, AR Telephone: 595-3591 Facsimile: 595-2550 Population: 2,268  400 Main Street P. O. Box 7 72461-0007  Charter Number: 616 Date: Nov. 15, 1930 County: Clay  Trust Department: No Bank Holding Company North Arkansas Bancshares, Inc., Jonesboro, AR  CEO/Pres: Ronald Benson Cash and Balances Due From Banks: 1,152 Federal Funds and Repos: ................ 1,900 Investm ents:........................................ 9,623 Total L o a n s :..................................... 15,272 Bank Premises and Fixed Assets: . . . . 170 Other Real Estate: ..................................... 0 Other A s s e ts :..................................... 1,290 Total Assets: 29,407 Total Trust Assets: 0  Directors:  Deposits: ............................................... 26,192 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s:...........................................141 Subordinated D e b t:..........................................0 Total Liabilities..................................... 26,333 Total Equity Capital and Reserves: . . . 3,074 Total Liabilites and C a p ita l:................ 29,407 Number of Shares Outstanding .............4,000  Ronald L. Benson, C. Joseph Calven, Danny L. Ford, Danny Holifield, G. L. Lieblong  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  104  A rkansas S tate Bank D epartm ent  Farmers and M erchants Bank Reyno, AR Telephone: 769-2240 Facsimile: 769-2300 Population: 467  108 W. Main P. 0. Box 108 72462-0108  Charter Number: 360 Date: Dec. 8, 1911 County: Randolph  Trust Department: Yes Bank Holding Company Far-Mer Bankshares, Inc., Paragould, AR  Chm: Frank Oldham, Jr. CEO/Pres/TO: David Dudley  SVP/COO: Dora B. Graham  Cash and Balances Due From Banks: 890 Federal Funds and R e p o s :........... 1,129 Investments: 4,583 Total L o a n s :.................................. 7,426 Bank Premises and Fixed Assets: . . 681 Other Real E s ta te :................................115 Other A s s e ts :........................................177 Total Assets: ............................. 15,001 Total Trust Assets: ..................... 1,844  Deposits: 13,862 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :...........................................119 Subordinated D e b t:..........................................0 Total Liabilities...............................13,981 Total Equity Capital and Reserves: . . . 1,020 Total Liabilites and C a p ita l:..........15,001 Number of Shares Outstanding . . . . 29,584  Directors: David Dudley, Frank Ellis, G. B. Hambrick, Marlin Jackson, Alfred Kerley, R. C. Luter, Frank Oldham, Jr., J. A. Rapert, Timothy Scott Branches in Town:  None  Other Branches:  Pocahontas, Maynard  The Bank of Rison Rison, AR Telephone: 325-6251 Facsimile: 325-7G61 Population: 1,258  200 Main Street P. O. Box 345 71665-0345  Charter Number: 650 Date: March 7, 1932 County: Cleveland  Trust Department: No Bank Holding Company None  Chm: James L. Moore  CEO/Pres: James R. Hopson  Cash and Balances Due From Banksfl,350 Federal Funds and R e p o s :.................. 700 Investments: 8,731 Total L o a n s:............. 4,748 Bank Premises and Fixed Assets: . . . 43 Other Real E s ta te :................................ 3 Other A s s e ts :....................................... 716 Total Assets: ............................. 16,291 Total Trust Assets: ............................. 0  Deposits: 13,507 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.............................................79 Subordinated D e b t:..........................................0 Total Liabilities........................................13,586  Directors:  Total Equity Capital and Reserves: . . . 2,705 Total Liabilites and C a p ita l:...................16,291 Number of Shares Outstanding .............4,000  John W . Elrod, Jam es R. H opson, Ray B. M artin , Jam es L. M oore, Lee M oore  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  105  S eventy-E ighth Report  Farmers and M erchants Bank Rogers, AR Telephone: 636-4233 Facsimile: 631-6567 Population: 24,692  4th & Chestnut P. 0. Box 250 72757-0250  Charter Number: 712 Date: March 13, 1956 County: Benton  Trust Department: Yes Bank Holding Company First Commercial Corporation, Little Rock, AR  Chm: John R. Bland CEO/Pres: Charles H. Brannan  EVP: Howard R. Hamilton  Cash and Balances Due From Banks: 3,175 Federal Funds and Repos: ........................ 0 Investm ents:..................................... 30,933 59,813 Total L o a n s :....................... Bank Premises and Fixed Assets: . . 1,154 Other Real Estate: ..................... 255 Other Assets: .......................... 3,354 Total Assets: 98,684 Total Trust Assets: 0  Deposits: 81,731 Federal Funds and Borrowings: ........... 1,154 Other L ia b ilitie s:.......................................... 399 Subordinated D e b t:..........................................0 Total Liabilities..................................... 83,284 Total Equity Capital and Reserves: . . 15,400 Total Liabilites and C a p ita l:................ 98,684 Number of Shares Outstanding .. . 135,623  Directors:  John R. Bland, Charles H. Brannan, John D. Clower, Clayton J. Eversole, Howard R. Hamilton, Edwin P. Henry, Robert S. Maloney, III, James L. Pickens, Evelyn S. Rife, Don Shores, Lemuel H. Tull  Branches in Town:  Two  Other Branches  None  First W estern Bank and Trust Company Rogers, AR Telephone: 631-0107 Facsimile: 631-8747 Population: 24,692  West Walnut & Rife Drive 72756  Charter Number: 757 Date: July 26, 1991 County: Benton  Trust Department: Yes Bank Holding Company First Western Bancshares, Inc., Booneville, AR  Chm/CEO/Pres: John Hampton VP/Cash: Nathan Gairhan  AVP: David Hargrave  Cash and Balances Due From Banks: . . 2 1 1 Federal Funds and Repos: 0 Investm ents:........................................ 6,538 Total L o a n s :........................................ 2,351 Bank Premises and Fixed Assets: . . . . 308 Other Real Estate: . 0 Other Assets: ........................ 374 Total Assets: 9,782 Total Trust Assets: 0  Deposits: 8,682 Federal Funds and Borrowings: .............65 Other L ia b ilitie s:.............................................32 Subordinated Debt: .......................................... 0 Total Liabilities............................... . 8,779  Directors:  Jeral Ham pton, John H am pton, A  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Total Equity Capital and Reserves: . . . 1,003 Total Liabilites and C a p ita l:.....................9,782 Number of Shares Outstanding . . . . 17,000 B. Littlefie ld , Bill M itch e ll, Pete P re w e tt  Other Branches:  None  106  A rkansas S ta te Bank D epartm ent  First Bank of Arkansas Russellville, AR Telephone: 967-8000 Facsimile: 967-4679 Population: 21,200  800 North Arkansas Avenue P.0. Box 3010 72801-0997  Charter Number: 192 Date: Sep. 29, 1905 County: Pope  Member of Federal Reserve System Trust Department: Yes Bank Holding Company Dover Bancshares, Inc., Russellville, AR  Chm: Wallace W. Fowler  CEO/Pres: Roy Reaves  Cash and Balances Due From Banks3,005 Federal Funds and R e p o s :........... 2,575 Investments: 30,983 Total L o a n s :................................ 51,039 Bank Premises and Fixed Assets: 2,027 Other Real E s ta te :................................118 Other A s s e ts :................................ 2,509 Total Assets: ............................. 92,256 Total Trust Assets: ............................. 0  Deposits: ............................................. 82,756 ..................0 Federal Funds and Borrowings: Other L ia b ilitie s :....................................... 1,362 Subordinated D e b t:..........................................0 Total Liabilities...............................84,118  Directors:  Total Equity Capital and Reserves: . . . 8,138 Total Liabilites and C a p ita l:........ 92,256 Number of Shares Outstanding . . . . 10,000  Wallace Fowler, Jama Fowler, Don Helms, Phil Jones, Roy Reaves, Don Riley  Branches in Town:  Two  Other Branches:  Dover, Hector, London  Bank of Salem Salem, AR Telephone: 895-2591 Facsimile: 895-3825 Population: 1,474  202 Church Street P. 0. Box 338 72576-0338  Charter Number: 266 Date: Dec. 9, 1908 County: Fulton  Trust Department: No Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR  Chm: Richard T. Smith  CEO/Pres: Jim Burns  Cash and Balances Due From Banks:!,549 Federal Funds and R e p o s :........... 1,500 Investments: 15,669 Total L o a n s :................................ 34,630 Bank Premises and Fixed Assets: . . 658 Other Real Estate: ................................ 931 Other A s s e ts :................................ 1,059 Total Assets: ............................. 55,996 Total Trust Assets: ............................. 0  Deposits: ............................................. 49,525 Federal Funds and Borrowings: .......... 1,956 Other L ia b ilitie s :....................................... 187 Subordinated D e b t:..........................................0 Total Liabilities...............................51,668  Directors: James E. Burns,  Total Equity Capital and Reserves: . . . 4,328 Total Liabilites and C a p ita l:........ 55,996 Number of Shares Outstanding . . . . 20,000  L. R. "Jack" Cochran, Marvin Newton, C. Dwayne Plumlee, Richard  T. Smith  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  Viola  107  S eventy-E ighth Report  Logan County Bank Scranton, AR 600 Main Street P. 0. Box 85 72863-0085  Telephone: 938-2511 Facsimile: 938-7084 Population: 218  Charter Number: 578 Date: April 7, 1926 County: Logan  Trust Department: No Bank Holding Company  Chm/CEO/Pres: Joe Fritsche Asst Pres: Amy Strobel VP: Gary Fritsche  VP: Jerry L. Davis Cash: Don Fritsche Branch Mgr: Regina Layes  Cash and Balances Due From Banks: 1,270 Federal Funds and Repos: 0 Investm ents:..................................... 19,481 Total L o a n s :..................................... 11,561 Bank Premises and Fixed Assets: . . . . 151 Other Real Estate: .......................................63 Other Assets: ............................................ 468 Total Assets: 32,994 Total Trust Assets: 0  Deposits: ............................................. 27,452 Federal Funds and Borrowings: ............. 1,015 Other L ia b ilitie s:....................................... 162 Subordinated D e b t:..........................................0 Total Liabilities..................................... 28,629  Directors:  Total Equity Capital and Reserves: . . . 4,365 Total Liabilites and C a p ita l:................ 32,994 Number of Shares Outstanding .............4,000  Margaret Ahne, Gary Fritsche, Joe Fritsche, Mildred Fritsche, Regina Layes  Branches in Town:  None  Other Branches:  Subiaco  First Security Bank Searcy, AR 314 N. Spring P. 0. Box 1009 72143-1009  Telephone: 279-3400 Facsimile: 279-3455 Population: 15,180  Charter Number: 649 Date: Feb. 6, 1932 County: White  Trust Department: Yes Bank Holding Company First Security Bancorp, Searcy, AR  Chm/CEO/Pres: Reynie Rutledge EVP: James G. Wilson  EVP: B. Art Rand TO: Michael C. Hutsell  Cash and Balances Due From Banks: 6,221 Federal Funds and Repos: 0 Investm ents:..................................... 102,964 Total L o a n s :.................................. . 105,165 Bank Premises and Fixed Assets: . . 2,780 Other Real Estate: ..................................... 103 Other Assets: ..................................... 4,214 Total Assets: 221,447 Total Trust Assets: 21,709  Deposits: 192,151 Federal Funds and Borrowings: .............9,468 Other L ia b ilitie s:.......................................... 952 Subordinated D e b t:..........................................0 Total Liabilities.................................. 202,571 Total Equity Capital and Reserves: . . 18,876 Total Liabilites and C a p ita l:............. 221,447 Number of Shares Outstanding . . . . 24,000  Directors:  Larry Crain, Clifton Ganus, John McKnight, Wayne Ridout, Porter Rodgers, Jr., Bill Roussel, Reynie Rutledge, N. T. Rutledge, Jim Tarkington, Alvin VanHook, E. D. Yancey, E. O. Yancey, Albert R. Yarnell  Branches in Town:  Four   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Pangburn, McRae, G riffith ville , Judsonia  108  Arkansas S tate Bank D epartm ent  Grant County Bank Sheridan, AR 101 N. Oak P. O. Box 67 72150-0067  Telephone: 942-3145 Facsimile: 942-5900 Population: 3,098  Charter Number: 136 Date: July 29, 1903 County: Grant  Trust Department: Yes Bank Holding Company GCB Bancshares, Inc., Sheridan, AR  CEO/Pres: D. E. McCoy, Jr.  EVP/Cash: John D. Manatt  Cash and Balances Due From Banks1,893 Federal Funds and R e p o s :........... 2,820 Investments: 26,418 Total L o a n s :................................ 14,277 Bank Premises and Fixed Assets: . . 549 Other Real E s ta te :..................................88 Other A s s e ts :....................................... 631 Total Assets: ............................. 46,676 Total Trust Assets: ..................... 1,688  Deposits: ............................................... 41,183 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :.......................................... 204 Subordinated D e b t:..........................................0 Total L iabilities.............................. 41,387 Total Equity Capital and Reserves: . . . 5,289 Total Liabilites and C a p ita l:........ 46,676 Number of Shares Outstanding . . . . 45,000  Directors:  W. W. Allen, Byron D. Brown, Jr., James W. Lancaster, D. E. McCoy, Sr., D. E. McCoy, Jr., John D. Manatt, W. Lee Tucker  Branches in Town:  None  Other Branches:  None  Arkansas State Bank Siloam Springs, AR Telephone: 524-8101 Facsimile: 524-3307 Population: 8,151  318 E. Main Street P. O. Box 400 72761-0400  Charter Number: 713 Date: Jan. 12,1960 County: Benton  Trust Department: Yes Bank Holding Company None  CEO/Pres: Ross Stout  TO: Don DeFreece  Cash and Balances Due From Banks3,952 Federal Funds and R e p o s :........... 4,275 Investments: 70,989 Total L o a n s :................................ 20,028 Bank Premises and Fixed Assets: 1,232 Other Real Estate: ................................ 102 Other Assets: ................................ 1,826 Total Assets: ............. 102,404 Total Trust Assets: ................... 10,449  Deposits: 88,964 Federal Funds and Borrowings: ............... 233 Other L ia b ilitie s:...........................................676 Subordinated D e b t:..........................................0 Total Liabilities............................. 89,873 Total Equity Capital and Reserves: . . 12,531 Total Liabilites and C a p ita l:.... 102,404 Number of Shares Outstanding . . . . 72,000  Directors:  Delbert Allen, Jr., Roderick L. Allen, H. E. Harrison, Jr., Charles C. Jones, Arthur Morris, Mark Simmons, Ross Stout  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  One  Other Branches:  None  S eventy-E ighth Report  109  Smackover State Bank Smackover, AR Telephone: 725-3051 Facsimile: 725-3049 Population: 2,232  708 N. Broadway P. O. Drawer 107 71762-0107  Charter Number: 600 Date: April 18, 1928 County: Union  Trust Department: Yes Bank Holding Company Smackover Bancshares, Inc., Smackover, AR  CEO: Max 0. Taylor Pres: Bob Willett  SVP: Paulette Bussell VP/TO: Jim Yeager  Cash and Balances Due From Banks: 3,365 Federal Funds and Repos: ........................200 Investm ents:..................................... 41,538 Total L o a n s :..................................... 31,891 Bank Premises and Fixed Assets: . . . . 319 Other Real Estate: .....................................299 Other Assets: ..................................... 1,536 Total Assets: 79,148 Total Trust Assets: 209  Deposits: 67,674 Federal Funds and Borrowings: ...........3,018 Other L ia b ilitie s:.......................................... 515 Subordinated D e b t:..........................................0 Total Liabilities............................... 71,207  Directors:  Total Equity Capital and Reserves: . . . 7,941 Total Liabilites and C a p ita l:.......... 79,148 Number of Shares Outstanding .. .100,000  Max O. Taylor, James M. Tennyson, J. D. Trimble, Richard H. Vickers, Bob Willett,  Jim Yeager  Branches in Town:  None  Other Branches:  El Dorado, Norphlet  M erchants & Planters Bank Sparkman, AR Telephone: 678-2251 Facsimile: 678-2401 Population: 553  Commerce & Main Streets P. O. Box 127 71763-0127  Charter Number: 457 Date: Sep. 19, 1916 County: Dallas  Trust Department: No Bank Holding Company None  Chm: Joseph B. Ford CEO/Pres: Tyrol Q. Carson  Asst Cash: Patricia Shaddock Asst Cash: Kathryn Daniel  Cash and Balances Due From Banks: . . 561 Federal Funds and Repos: ..................... 175 Investm ents:....................................... 3,584 Total L o a n s :........................................ 3,465 Bank Premisesand Fixed Assets: . . . . 146 Other Real Estate: . . . . . . . . . . . . . . . 87 Other A s s e ts :............................ 88 Total Assets: ................................ 8,106 Total Trust Assets: 0  Deposits: ..................................................7,317 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.............................................34 Subordinated D e b t:..........................................0 Total Liabilities..........................................7,351  Directors:  Total Equity Capital and Reserves: . . . . 755 Total Liabilites and C a p ita l:.....................8,106 Number of Shares Outstanding .............3,000  Joseph B. Ford, Tommy Gaston, Tyrol Carson, G. W. DeLaughter, Louis Jacks, Ray  White  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  110  Arkansas S ta te Bank D epartm ent  Springdale Bank and Trust Springdale, AR Telephone: 756-7000 Facsimile: 756-7077 Population: 29,941  415 W. Emma P. 0. Box 5000 72765-5000  Charter Number: 339 Date: May 6, 1911 County: Washington  Trust Department: Yes Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR  Chm: Richard P. Calhoun CEO/Pres: Buddy D. Philpot SVP: H. Dennis Smiley  SVP/TO: Howard M. Thurman VP: B. Gail Jefferson Cash/Oper: Diana D. Keller  Cash and Balances Due From Banks2,098 Federal Funds and R e p o s :........... 2,475 Investments: 8,059 Total L o a n s :................................ 45,024 Bank Premises and Fixed Assets: 1,483 Other Real E s ta te :................................ 0 Other A s s e ts :........................................638 Total Assets: ............................. 59,777 Total Trust Assets: ............................. 0  Deposits: ............................................... 51,698 Federal Funds and Borrowings: .............2,225 Other L ia b ilitie s :.......................................... 411 Subordinated D e b t:..........................................0 Total Liabilities..................................... 54,334 Total Equity Capital and Reserves: . . . 5,443 Total Liabilites and C a p ita l:................ 59,777 Number of Shares Outstanding .............5,500  Directors: James Baker, Wayne Britt, Richard Calhoun, Sam Fiser, Buddy Philpot, Philip Taldo, Willard Walker, Jim Walton Branches in Town:  None  Other Branches:  None  Bodcaw Bank Stamps, AR 401 Thomas Street P. O. Box 8 71860-0008  Telephone: 533-4486 Facsimile: 533-4456 Population: 2,478  Charter Number: 106 Date: Dec. 8, 1902 County: Lafayette  Trust Department: No Bank Holding Company None  Chm: B. Stan Cook CEO/Pres: James R. Nipper VP: J. Paul Nipper  AVP: Lenora Downs Cash: Bonnie Moreland Asst Cash: Brenda Scroggins  Cash and Balances Due From Banks.1,954 Federal Funds and R e p o s :.................. 800 Investments: 34,304 Total L o a n s :.................................. 9,365 Bank Premises and Fixed Assets: . . 151 Other Real E s ta te :................................ 0 Other A s s e ts :....................................... 872 Total Assets: ............................. 47,446 Total Trust Assets: ............................. 0  Deposits: ............................................... 41,537 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :.......................................... 432 Subordinated D e b t:..........................................0 Total Liabilities...............................41,969 Total Equity Capital and Reserves: . . . 5,477 Total Liabilites and C a p ita l:........ 47,446 Number of Shares Outstanding . . . . 10,000  Directors:  B. Stan Cook, RoyZ. Kimbell, James Nipper, J. Paul Nipper, Cynthia C. Sandefur, A. 0. Smith, John W. Smith  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  111  S eventy-E ighth Report  Bank o f Star City Star City, AR 200 Jefferson Drawer 69 71667-0069  Telephone: 628-4286 Facsimile: 628-5274 Population: 2,138  Charter Number: 567 Date: April 27, 1925 County: Lincoln  Trust Department: No Bank Holding Company Star City Bancshares, Inc., Star City, AR  Chm/CEO: Bennie F. Ryburn, Jr. Pres: M. Don Smith EVP: Anneta R. Moore VP: R. Mark Owen  Aud: Audra Burr AVP: Franklin E. Collins AVP: Mary Womack  Cash and Balances Due From Banks: 1,742 Federal Funds and Repos: ....................... 880 Investm ents:..................................... 21,367 Total L o a n s :..................................... 23,046 Bank Premises and Fixed Assets: . . . . 485 Other Real Estate: ............... 75 Other A s s e ts :.............................................578 Total Assets: 48,173 Total Trust Assets: 0  Deposits: ............................................. 44,325 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s:.......................................... 328 Subordinated D e b t:..........................................0 Total Liabilities............................. 44,653 Total Equity Capital and Reserves: . . . 3,520 Total Liabilites and C a p ita l:......... 48,173 Number of Shares Outstanding . . . . 15,000  Directors: Robert Floyd, Sr., Bill Frizzell, Keith Griffin, Lucille Ollar, Pat Riley, Bennie F. Ryburn, Jr., M. Don Smith, Fred Thornton, Weldon Wynn Branches in Town:  None  Other Branches:  Pine Bluff, Gould  The Stephens Security Bank Stephens, AR Telephone: 786-5416 Facsimile: 786-5419 Population: 1,137  110 Ruby Street P. 0. Box 7 71764-0007  Charter Number: 692 Date: Feb. 8, 1946 County: Ouachita  Trust Department: No Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR  Chm: Richard T. Smith  CEO/Pres: Guy R. Smith  Cash and Balances Due From Banks: . . 963 Federal Funds and Repos: . . . . . . . . . 600 Investm ents:........................................ 6,074 Total L o a n s :..................................... 12,013 Bank Premises and Fixed Assets: 58 Other Real Estate: .....................................348 Other Assets: .............................................224 Total Assets: 20,280 Total Trust Assets: 0  Deposits: 18,139 Federal Funds and Borrowings: .................. 0 Other L ia b ilitie s:.............................................94 Subordinated D e b t:..........................................0 Total Liabilities...............................18,233  Directors:  Total Equity Capital and Reserves: . . . 2,047 Total Liabilites and C a p ita l:........ 20,280 Number of Shares Outstanding . . . . 11,000  Duncan Grayson, Carol Reaves, M. R. Smart, Guy R. Smith, Colon Watson, Jay C.  Wilson  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  A rkansas S ta te Bank D epartm ent  112  Citizens Bank Strong, AR 9652 Strong Highway P. 0. Box 724 71765-0724  Telephone: 797-7361 Facsimile: 797-2955 Population: 624  Charter Number: 634 Date: Jan. 19, 1931 County: Union  Trust Department: No Bank Holding Company FDH Bancshares, Inc., Little Rock, AR  Chm: Robert P. Taylor  CEO/Pres: Jeanell Cogburn  Cash and Balances Due From Banks: 593 Federal Funds and R e p o s :.................. 400 Investments: 7,593 Total L o a n s :.................................. 5,235 Bank Premises and Fixed Assets: . . 309 Other Real E s ta te :................................ 0 Other A s s e ts :....................................... 475 Total Assets: ............................. 14,605 Total Trust Assets: ............................. 0  Deposits: .............................................12,025 Federal Funds and Borrowings: ................ 200 Other L ia b ilitie s :.............................................98 Subordinated D e b t:..........................................0 Total Liabilities........................................12,323 Total Equity Capital and Reserves: . . . 2,282 Total Liabilites and C a p ita l:...................14,605 Number of Shares Outstanding .............8,000  Directors:  Jeanell Cogburn, Bobby R. Dugal, Scott Fife, Noland H. Hagood, Phillip G. Herring, D. R. James, Jr., Robert P. Taylor  Branches in Town:  None  Other Branches:  None  The Farmers and M erchants Bank Stuttgart, AR Seventh & Main Streets P. O. Box 947 72160-0947  Telephone: 673-6911 Facsimile: 673-6918 Population: 10,420  Charter Number: 687 Date: Dec. 29, 1944 County: Arkansas  Trust Department: Yes Bank Holding Company The Farmers and Merchants Bankshares, Inc., Stuttgart, AR  Chm: Roy O. McCollum, III CEO/Pres: Don Pattillo  TO: Richard McMinn  Cash and Balances Due From Banks3,192 Federal Funds and R e p o s :........... 2,465 Investments: 58,436 Total Loans: ................................ 60,763 Bank Premises and Fixed Assets: 2,262 Other Real E s ta te :................................185 Other Assets: ................................ 2,096 Total Assets: .............................. 129,399 Total Trust Assets: ................... 28,380  Deposits: 115,736 Federal Funds and Borrowings: ................ 473 Other L ia b ilitie s:....................................... 1,059 Subordinated D e b t:..........................................0 Total Liabilities..................................... 117,268 Total Equity Capital and Reserves: . . 12,131 Total Liabilites and C a p ita l:............. 129,399 Number of Shares Outstanding . . . . 94,689  Directors: Nicky Hargrove, Roy 0. McCollum, III, Don Pattillo, Mickey Pierce, James E. Pond, Robert Seidenstricter, Horace "Pete" Sickel, Billy E. Simpson, Ray Vester Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Three  Other Branches:  None  S eventy-E ighth Report  113  Bank o f Trumann Trumann, AR Hwy 63 P. 0. Box 48 72472 0048  Telephone: 483-6333 Facsimile: 483-7512 Population: 6,304  Charter Number: 354 Date: Oct. 2, 1911 County: Poinsett  Trust Department: No  Bank Holding Company CEO/Pres: Clyde Robertson, Jr. SVP: Wilburn Cole VP: Carroll D. Anderson  VP: Rich Gillette AVP: Shirley Benson Cash: Cheryl McMasters  Cash and Balances Due From Banks: Federal Funds and Repos: Investm ents:....................... Total L o a n s :............................... Bank Premises and Fixed Assets: . . Other Real Estate: Other A s s e ts :............... Total Assets: Total Trust Assets:  2,153 1,300 28,284 22,000 . . 516 0 703 54,956 0  Deposits: 46,918 Federal Funds and Borrowings: ................ 525 Other L ia b ilitie s:.......................................... 306 Subordinated D e b t:......................................... 0 Total Liabilities ........................ 47,749 Total Equity Capital andReserves: . . . 7,207 Total Liabilites and C a p ita l:.......... .. . 54,956 Number of Shares Outstanding . . . . 60,000  Directors: Carroll D. Anderson, Alice C. Clogston, Wilburn Cole, Frank Lady, Jr., Eugene Pounds, Clyde Robertson, Jr., Natalie T. Stuckey, Virginia P. Turner Branches in Town:  None  Other Branches:  None  First State Bank of Arkansas Trumann, AR Telephone: 483-6433 Facsimile: 483-7030 Population: 6,304  825 Hwy. 63 P. O, Box 431 72472-0431  Charter Number: 754 Date: Jan. 15, 1991 County: Poinsett  Member of Federal Reserve System Trust Department: No Bank Holding Company Southwest Bancshares, Inc., Jonesboro, AR  CEO/Pres: James M. Yarbrough Cash and Balances Due From Banks: 2,837 Federal Funds and Repos: 50 Investm ents:....................................... 6,168 Total L o a n s :..................................... 27,845 Bank Premises and Fixed Assets: . . . 842 Other Real Estate: .......................................48 Other Assets: ............................................ 968 Total Assets: . . . 38,758 Total Trust Assets: ............................... . 0  Deposits: 34,600 .................. 0 Federal Funds and Borrowings: Other L ia b ilitie s:.......................................... 292 Subordinated D e b t:..........................................0 Total Liabilities............................. 34,892 Total Equity Capital and Reserves: . . . 3,866 Total Liabilites and C a p ita l:........ 38,758 Number of Shares Outstanding . . . . 10,000  Directors: Mark Brown, Jama Fowler, Mark Fowler, Wallace W. Fowler, J. D. Harlan, Harry Hill, Burness Holt, Ben Hyneman, Hal Hyneman, Phil Jones, Lloyd McCracken, Jr., David Thompson, James M. Yarbrough Branches in Town:  One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  A rkansas S ta te Bank D epartm ent  114  Bank o f Tuckerman Tuckerman, AR Telephone: 349-5155 Facsimile: 349-5170 Population: 2,020  Main Street P.0. Box 700 72473-0700  Charter Number: 164 Date: Nov. 8, 1902 County: Jackson  Trust Department: No Bank Holding Company Rainbow Investment Company, Inc., Tuckerman, AR  Chm/CEO/Pres: Lindley V. Smith VP: Al Morris  VP: Drew Sandlin Cash: Ann Watson  Cash and Balances Due From Banks4,279 Federal Funds and R e p o s :........... 4,125 Investments: 9,748 Total Loans: ................................ 15,456 Bank Premises and Fixed Assets: . . 310 Other Real E s ta te :............................... 214 Other A s s e ts :....................................... 469 Total Assets: ............................. 31,601 Total Trust Assets: ............................. 0  Deposits: ............................................... 27,134 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.......................................... 408 Subordinated D e b t:..........................................0 Total Liabilities..................................... 27,542  Directors:  Total Equity Capital and Reserves: . . . 4,059 Total Liabilites and C a p ita l:.................. 31,601 Number of Shares Outstanding .............4,000  Scotty Armstrong, Bob Penix, Lindley V. Smith  Branches in Town:  None  Other Branches:  Swifton, Grubbs, Newport  First Delta Bank Tyronza, AR Telephone: 487-2161 Facsimile: 487-2069 Population: 858  Main and Oak Streets P. O. Box 395 72386-0395  Charter Number: 704 Date: Oct. 31, 1951 County: Poinsett  Trust Department: No Bank Holding Company Tyronza Bancshares, Inc., Tyronza, AR  CEO/Pres: Charles F. Luter Cash and Balances Due From Banks1,525 Federal Funds and R e p o s :........... 1,025 Investments: 4,671 Total L o a n s:................................ 18,959 Bank Premises and Fixed Assets: 1,031 Other Real E s ta te :................................136 Other A s s e ts :....................................... 354 Total Assets: ............................. 27,701 Total Trust Assets: ............................. 0  Deposits: ............................................. 23,675 .................. 0 Federal Funds and Borrowings: Other L ia b ilitie s:...........................................294 Subordinated D e b t:..........................................0 Total Liabilities............................. 23,969 Total Equity Capital and Reserves: . . . 3,732 Total Liabilites and C a p ita l:......... 27,701 Number of Shares Outstanding . . . . 20,000  Directors:  Albert A. Banks, G. E. Beley, Charles F. Luter, H. F. Norcross, Jr., Eugene Vaughn, Lewis Wood  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  M arked Tree  115  S eventy-E ighth Report  Citizens Bank & Trust Company Van Buren, AR 3110 Alma Hwy P.O. Box 469 72956-0469  Telephone: 474-1201 Facsimile: 474-4630 Population: 14,979  Charter Number: 328 Date: Dec. 20, 1910 County: Crawford  Trust Department: Yes Bank Holding Company Vista Bancorporation, Van Buren, AR  Chm/CEO: James G. Williamson, Jr. Pres: William W. Thomas  EVP/TO: Marion H. Riggs SVP: Luther F. Gordy, III  Cash and Balances Due From Banks: 3,990 Federal Funds and Repos: 0 Investm ents:..................... 60,132 Total L o a n s :..................................... 66,409 Bank Premises and Fixed Assets: . . 1,479 Other Real Estate: ..................................... 180 Other Assets: ..................... 2,365 Total Assets: 134,555 Total Trust Assets: 1,130  Deposits: ............................................. 115,923 Federal Funds and Borrowings: .............7,430 Other L ia b ilitie s:.......................................... 800 Subordinated D e b t:..........................................0 Total Liabilities..................................... 124,153 Total Equity Capital and Reserves: . . 10,402 Total Liabilites and C a p ita l:............. 134,555 Number of Shares Outstanding . . . . 16,000  Directors:  Jimmy G. Bell, Warren D. Blaylock, Jimmy D. Gooch, Morril H. Harriman, Marion H. Riggs, Paul D. Shirley, William W. Thomas, James G. Williamson, Jr.  Branches in Town:  Two  Other Branches:  Mountainburg, Alma  The Peoples Bank Waldo, AR 101 M ain Street P. 0. Box 426 71770-0426  Telephone: 693-5551 Facsimile: None Population: 1,495  Charter Number: 313 Date: June 22, 1910 County: Columbia  Trust Department: Yes Bank Holding Company Golden Oaks Bancshares, Inc., Waldo, AR  Chm/CEO/Pres/TO: Harold Fincher EVP: Mary Baird SVP: Dorothy Jean Fincher  VP/Cash: Jill McClinton VP: David Baird Asst Cash: Sharon Elledge  Cash and Balances Due From Banks: 1,615 Federal Funds and Repos: 90 Investments: 16,593 Total L o a n s :........................................ 9,355 Bank Premises and Fixed Assets: . . . . 129 Other Real E s ta te :................ 6 Other Assets: .............................................318 Total Assets: 28,106 Total Trust Assets: 1,354  Deposits: ............................................... 25,019 Federal Funds and Borrowings: .................. 0 Other L ia b ilitie s:.............................................87 Subordinated D e b t:..........................................0 Total Liabilities...............................25,106 Total Equity Capital and Reserves: . . . 3,000 Total Liabilites and C a p ita l:..........28,106 Number of Shares Outstanding . . . . 10,000  Directors: Mary Baird, Imogene Clark, Richard Clark, Pam Davis, Clark Fincher, Dorothy Fincher, Harold Fincher, Betty Harris, Betty Scott, G. F. Scott Branches in Town:  One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  M agnolia, Emerson, M cNeil  116  A rkansas S tate Bank D epartm ent  Bank o f W aldron Waldron, AR Telephone: 637-2161 Facsimile: 637-4874 Population: 3,024  110 W. 4th Street P. O. Box 2260 72958-2260  Charter Number: 72 Date: April 3, 1901 County: Scott  Trust Department: Yes Bank Holding Company Ftodgers Family Banchares, Inc., Waldron, Arkansas  Chm: John H. Hendrix CEO/Pres/TO: Bill R. Philpot  V Chm: Larry Mashburn Sec: Robert L. Akers  Cash and Balances Due From Banks2,183 Federal Funds and R e p o s :.................. 815 Investments: 29,025 Total L o a n s :................................ 36,221 Bank Premises and Fixed Assets: 1,217 Other Real E s ta te :................................357 Other A s s e ts :................................ 1,519 Total Assets: ............................. 71,337 Total Trust Assets: ............................. 229  Deposits: ............................................. 58,502 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :...........................................507 Subordinated D e b t:..........................................0 Total Liabilities............................. 59,009 Total Equity Capital and Reserves: . . 12,328 Total Liabilites and C a p ita l:......... 71,337 Number of Shares Outstanding . . . . 24,000  Directors: Robert L. Akers, Kelly Ashford, Billy Jack Black, Jim H. Currier, John H. Hendrix, Larry Mashburn, Rena Owens, Bill R. Philpot  Branches in Town:  Other Branches:  One  None  The S cott County Bank Waldron, AR Telephone: 637-3191 Facsimile: 637-3195 Population: 3,024  Main & W. Church P. 0. Box 838 72958-0838  Charter Number: 741 Date: Feb. 20, 1980 County: Scott  Trust Department: No Bank Holding Company None  CEO: John E. Chambers, III Pres: Patsy Hawkins VP: Robbie Zimmer  AVP: Bekki Liles Cash: Kelly Langley Asst Cash: Janie Graves  Cash and Balances Due From Banks1,438 Federal Funds and R e p o s :........... 1,060 Investments: 11,659 Total L o a n s :................................ 27,263 Bank Premises and Fixed Assets: . . 875 Other Real E s ta te :................................101 Other A s s e ts :....................................... 530 Total Assets: ............................. 42,926 Total Trust Assets: ............................. 0  Deposits: ............................................. 37,938 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :...........................................380 Subordinated D e b t:..........................................0 Total L iabilities.............................. 38,318  Directors:  Total Equity Capital and Reserves: . . . 4,608 Total Liabilites and C a p ita l:........ 42,926 Number of Shares Outstanding . . . . 40,000  Lonnie Campbell, John Ed Chambers, III, Roy Hale, Robert Handley, Patsy Hawkins,  Dan Laird  Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  M ansfield  117  S eventy-E ighth Report  The Arkansas Bank Walnut Ridge, AR 212 W. Walnut P. O. Box 749 72457-0749  Telephone: 886-7711 Facsimile: 886-2941 Population: 4,388  Charter Number: 71 Date: March 23, 1901 County: Lawrence  Trust Department: No Bank Holding Company None  Chm/CEO: Sloan Rainwater, Jr. V Chm: Jim Hinkle V Chm: William I. Rainwater, Sr.  Pres/COO: Michael D. Taylor VP: John Phillips VP/Cash: Marilyn Davis  Cash and Balances Due From Banks: 2,073 Federal Funds and Repos: ................ 3,000 Investm ents:....................... 21,949 18,942 Total L o a n s :.......................... Bank Premises and Fixed Assets: . . . . 513 Other Real Estate: ..................................... 0 Other A s s e ts :..................... 2,264 Total Assets: 48,741 Total Trust Assets: 0  Deposits: ............................................. 42,583 ................38 Federal Funds and Borrowings: Other Liabilities: ...........................................235 Subordinated D e b t:.................................. .. . 0 Total Liabilities............................. 42,856 Total Equity Capital and Reserves: . . . 5,885 Total Liabilites and C a p ita l:........ 48,741 Number of Shares Outstanding . . . . 18,000  Directors:  Steve Cox, Virginia R. Cox, William Boyce Durham, Odell Fort, Earl D. Perkins, Sloan Rainwater, Jr., William I. Rainwater, Jr., Ben Starr, Maurice Starr, Michael D. Taylor  Branches in Town:  Other Branches:  None  Lynn, Portia, Smithville  First State Bank of Warren Warren, AR Telephone: 226-2601 Facsimile: 226-2253 Population: 6,455  Main Street P. O. Box 29 71671-0029  Charter Number: 739 Date: Dec. 12, 1978 County: Bradley  Trust Department: Yes Bank Holding Company Bradley Bancshares. Inc., Warren, AR  Chm: Virginia M. Ryburn  CEO/Pres/TO: Freddie M. Mobley  Cash and Balances Due From Banks: 2,213 Federal Funds and Repos: 50 Investm ents:..................................... 31,671 Total L o a n s :........................ 39,267 Bank Premises and Fixed Assets: . . . . 578 Other Real Estate:. . . . . . 212 Other Assets: . ...................... 1,062 Total Assets: 75,053 Total Trust Assets: . ................................ 811  Deposits: ............................................. 67,334 Federal Funds and Borrowings: .......... 1,349 Other L ia b ilitie s:...........................................387 Subordinated D e b t:..........................................0 Total Liabilities............................. 69,070 Total Equity Capital and Reserves: . . . 5,983 Total Liabilites and C a p ita l:........ 75,053 Number of Shares Outstanding . . . . 59,000  Directors: Robert E. Garner, Roger George, Freddie M. Mobley, Hugh A. Quimby, Bennie Ryburn, Jr., Virginia M. Ryburn, Bennie Ryburn, III, J. C. Thompson, H. Sidney Wharton Branches in Town:  One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  H erm itage  118  A rkansas S ta te Bank D epartm ent  W arren Bank and Trust Company Warren, AR Telephone: 226-2621 Facsimile: 226-6261 Population: 6,455  201 S. Main P. O. Box 350 71671-0350  Charter Number: 80 Date: Dec. 28, 1901 County: Bradley  Trust Department: Yes Bank Holding Company None  Chm: Louis W. Ederington CEO/Pres: Carlton E. Davis V Chm: John B. Frazer, Jr.  SVP/Cash: James E. Smith SVP: Walter Rutledge TO: Mike Shull  Cash and Balances Due From Banks3,712 Federal Funds and R e p o s :...................100 Investments: 52,797 Total L o a n s :................................ 41,998 Bank Premises and Fixed Assets: . . 701 Other Real E s ta te :................................ 0 Other A s s e ts :................................ 1,579 Total Assets: ............................. 100,887 Total Trust Assets: ..................... 9,388  Deposits: 86,841 Federal Funds and Borrowings: ..........1,197 Other L ia b ilitie s :...........................................629 Subordinated D e b t:..........................................0 Total Liabilities............................. 88,667 Total Equity Capital and Reserves: . . 12,220 Total Liabilites and C a p ita l:.... 100,887 Number of Shares Outstanding . . . . 48,000  Directors: Bruce Anderson, L. H. Derby, Jr.,  Louis W. Ederington, John B. Frazer, Jr., W. Sykes Harris, J. E. Hurley, Jr., C. A. Milton, Kerry F. Pennington, Gerard C. Sangster, G. F. Wynne  Branches in Town:  Two  Other Branches:  Hermitage  Bank o f Weiner Weiner, AR Telephone: 684-2221 Facsimile: 684-7392 Population: 655  Highway 49 P. O. Box 307 72479-0307  Charter Number: 276 Date: April 2, 1909 County: Poinsett  Trust Department: Yes Bank Holding Company Hogue Holding Company, Inc., Weiner, AR  Chm/CEO/Pres/TO: John R. Hogue Cash and Balances Due From Banks1,014 Federal Funds and R e p o s :........... 2,200 Investments: 13,920 Total L o a n s :................................ 19,390 Bank Premises and Fixed Assets: . . 107 Other Real E s ta te :................................ 0 Other A s s e ts :....................................... 821 Total Assets: ............................. 37,452 Total Trust Assets: ..................... 2,340  Directors:  Deposits: ............................................. 32,306 Federal Funds and Borrowings: .................126 Other L ia b ilitie s :.......................................... 415 Subordinated D e b t:..........................................0 Total L iabilities..................................... 32,847 Total Equity Capital and Reserves: . . . 4,605 Total Liabilites and C a p ita l:................ 37,452 Number of Shares Outstanding .............8,000  Niles A. Bise, Charles E. Givens, Ernest L. Hogue, John R. Hogue, Herbert D.  Ziegenhorn  Branches in Town:  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  Fisher  119  S e ve n ty Eighth Report  M erchants and Farmers Bank West Helena, AR 425 East Plaza P. O. Box 2507 72390-0507  Telephone: 572-3481 Facsimile: 572-1901 Population: 9,695  Charter Number: 700 Date: Oct. 4, 1948 County: Phillips  Trust Department: Yes Bank Holding Company Southern Bancshares, Inc., West Helena, AR  Chm: Brooks Griffin CEO: Douglas Simmons Pres: Bill Simmons SVP: Gordon White  EVP: James A. Bogle VP/Cash: Sarah Bradshaw TO: E. F. Kalb, Jr.  Cash and Balances Due From Banks: 4,039 Federal Funds and Repos: ........................ 0 Investm ents:..................................... 33,236 Total L o a n s :..................................... 55,716 Bank Premises and Fixed Assets: . . 1,353 Other Real Estate: .................. 27 Other Assets: ..................................... 1,742 Total Assets: 96,113 Total Trust Assets: 1,646  Deposits: ............................................. 82,283 ..........5,450 Federal Funds and Borrowings: Other L ia b ilitie s:.......................................... 523 Subordinated D e b t:..........................................0 Total Liabilities............................. 88,256 Total Equity Capital and Reserves: . . . 7,857 Total Liabilites and C a p ita l:......... 96,113 Number of Shares Outstanding . . . . 20,000  Directors:  Bill Benton, James E. Boyd, Sr., W. P. Foster, Brooks Griffin, David Griffin, Jerry Kelley, Walter Morris, Bill Simmons, Douglas Simmons, Herman Storey  Branches in Town:  Two  Other Branches:  Marvell  Bank o f W est Memphis West Memphis, AR Telephone: 732-8000 Facsimile: 735-0849 Population: 28,259  626 E. Broadway P.O.Box 2128 72303-2128  Charter Number: 601 Date: April 21, 1928 County: Crittenden  Trust Department: Yes Bank Holding Company Bancshares of West Memphis, Inc., West Memphis, AR  Chm: George H. Dunklin CEO/Pres: Jack K. Hogan V Chm: M. E. Black Dunklin EVP: Robert L. Wright  SVP/TO: Arley Knight SVP: Paul Neal SVP/Aud: Robert L. Naylor  Cash and Balances Due From Banks: 6,021 Federal Funds and Repos: ................ 2,500 Investm ents:..................................... 51,852 Total L o a n s :..................................... 27,790 Bank Premises and Fixed Assets: . . . . 567 Other Real Estate: .....................................297 Other Assets: ..................................... 1,973 Total Assets: 91,000 Total Trust Assets: 3,944  Deposits: 80,739 Federal Funds and Borrowings: ...................0 Other L ia b ilitie s:.......................................... 301 Subordinated D e b t:..........................................0 Total Liabilities...............................81,040 Total Equity Capital and Reserves: . . . 9,960 Total Liabilites and C a p ita l:..........91,000 Number of Shares Outstanding . . .100,000  Directors:  David Biggs, George H. Dunklin, M. E. Black Dunklin, James A. Heath, Jack K. Hogan, Keith M. Ingram, W. Kent Ingram, Jr., Pat K. Magruder, Lloyd C. McCuiston, Jr., Paul W. O'Neal, J. C. Tennison, J. Frank Waggener  Branches in Town: Four http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  120  Arkansas S ta te Bank D epartm ent  W ilm ot State Bank Wilmot, AR Telephone: 473-2211 Facsimile: 473-5131 Population: 1,047  Main Street P. 0. Box 95 71676-0095  Charter Number: 676 Date: Oct. 25, 1937 County: Ashley  Trust Department: No Bank Holding Company None  Chm: William B. deYampert  CEO/Pres: Kenneth M. Allbritton  Cash and Balances Due From Banks: 548 Federal Funds and R e p o s :........... 2,385 Investments: ................................ 1,062 Total L o a n s :.................................. 6,131 Bank Premises and Fixed Assets: . . . 50 Other Real E s ta te :..................................88 Other A s s e ts :........................................155 Total Assets: ............................. 10,419 Total Trust Assets: ............................. 0  Deposits: 8,518 Federal Funds and Borrowings: ..................0 Other L ia b ilitie s :.............................................92 Subordinated D e b t:..........................................0 Total Liabilities......................................... 8,610 Total Equity Capital and Reserves: . . . 1,809 Total Liabilites and C a p ita l:..........10,419 Number of Shares Outstanding . . . . 12,000  Directors'. John B. Currie, John B. Currie, Jr., William Currie, William B. deYampert, Thomas F. Scannell, III Branches in Town:  None  Other Branches:  None  Cross County Bank Wynne, AR Telephone: 238-8171 Facsimile: 238-4052 Population: 8,187  1 Cross County Plaza P. 0. Box 9 72396-0009  Charter Number: 25 Date: June 5, 1891 County: Cross  Trust Department: Yes Bank Holding Company Cross County Bancshares, Inc., Wynne, AR  Chm: Willard G. Burks CEO/Pres/TO: Ken McClanahan  EVP: Mac McClanahan Cash: Beth Dildine  Cash and Balances Due From Banks3,880 Federal Funds and R e p o s :........... 2,050 Investments: 21,663 Total L o a n s :................................ 60,191 Bank Premises and Fixed Assets: 1,803 Other Real E s ta te :.................................. 13 Other A s s e ts :................................ 1,597 Total Assets: ............................. 91,197 Total Trust Assets;: .............................690  Deposits: 82,018 Federal Funds and Borrowings: ................ 450 Other L ia b ilitie s:.......................................... 488 Subordinated D e b t:..........................................0 Total Liabilities..................................... 82,956 Total Equity Capital and Reserves: . . . 8,241 Total Liabilites and C a p ita l:.................. 91,197 Number of Shares Outstanding .............4,000  Directors: Willard G. Burks, Guy E. Fiser,  Marvin T. Hagaman, Albert A. Hess, Pete L. Imboden, III, Roger E. Pohlner, Donald L. Reddmann, James A. Richardson  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  One  Other Branches:  Cherry Valley, H icko ry Ridge  S e ve n ty-Eighth Report  121  First Arkansas Bank Wynne, AR 5 0 0 N. Fails P.0, Box 189 72396-0189  Telephone: 238-2265 Facsimile: 238 7030 Population: 8,187  Charter Number: 228 Date: Jan. 24, 1907 County: Cross  Trust Department: No Bank Holding Company Cherry Valley Bancshares, Inc., Wynne, AR  Chm: Howard Beasley CEO/Pres: Dale Beaird  Cash: Andrea Wood  Cash and Balances Due From Banks: 360 Federal Funds and Repos: 705 Investments: 3,805 Total Loans: ........................................ 6,350 Bank Premises and Fixed Assets: . . 628 Other Real Estate: . . . . . . . . . . . . . 11 2 Other Assets: .................. ... 158 Total Assets: . . . . . . . . . . . . . . 12,1 18 Total Trust Assets: . . . .... 0  Deposits: 10,376 Federal Funds and Borrowings: ...................0 Other Liabilities: . .............. . . . 136 Subordinated Debt: . . . . . . . 0 Total Liabilities . ................................. 10,512  Directors:  Total Equity Capital and Reserves: , . . 1,606 Total Liabilites and Capital: ................ 12,118 Number of Shares Outstanding .............2,000  Howard Beasley, Harry H. Melhorn. III. W. M. Smith, Jr., W. M, Smith, III  Branches in Town:  None  Other Branches:  None  The Bank of Yellville Yeilviiie, AR  Telephone: 449-4231 Facsimile: 449-4231 Population: 1,200  Madison & Church P. O. Box 325 72687-0325  Charter Number: 691 Date: Dec. 13, 1945 County: Marion  Trust Department: Yes Bank Holding Company Mountain Bancshares, Inc., Yellville, AR  Chm/CEO/Pres: Judy Loving EVP: Chloe Richardson VP-EDP: Edith C. Benton Cash and Balances Due From Banks: Federal Funds and Repos: . . . . . . Investm ents:.................. .... Total L o a n s :.......................... Bank Premises and Fixed Assets: . . Other Real Estate: ..................... Other Assets: .................. . . . . Total Assets: ............................. . Total Trust Assets:  VP-Oper: Pauline Mears VP-Loans: Phyllis Harp 2,248 . . 90 19,592 29,527 . 838 567 . 717 53,579 0  Deposits: . , .......................................... 48,414 Federal Funds and Borrowings: 0 Other Liabilities: . ............. 224 Subordinated Debt: . .......... ..... 0 Total Liabilities ..................................... 48,638 Total Equity Capital and Reserves: . . . 4,941 Total Liabilites and Capital: . . . . . . . 53,579 Number of Shares Outstanding . . . . 20,781  Directors:  Frank Bailey, Fred Berry, Oran Carter, Dan Duren, H. C. Hall, John James, Karl King, Owen Kompelien, Judy Loving, Chloe Richardson, Kenneth R. Smith  Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Bull Shoals   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  S eventy-E ighth Report  SEVENTY-EIGHTH ANNUAL REPORT OF STATE CHARTERED INDUSTRIAL LOAN INSTITUTIONS, TRUST COMPANIES, AND NON PROFIT ORGANIZATIONS (NOT ENGAGED IN COMMERCIAL BANKING)   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  JUNE 30, 1992  124  Arkansas S tate Bank D epartm ent  Arkansas Capital Corporation Little Rock, AR Telephone: 374-9247 Facsimile: 374-8841 Population: 175,795  221 W. 2nd Street, Suite 800 72201-2513  Charter Number: 1006 Date: Jan. 1, 1901 County: Pulaski  Trust Department: No Bank Holding Company None  Chm: D. Patton Rudder Pres: Joseph B. Ford  EVP: C. Sam Walls VP: George E. Campbell  Cash and Balances Due From Banks: 138 Federal Funds and R e p o s :................... 0 Investments: 4,764 Total L o a n s :.................................. 9,918 Bank Premises and Fixed Assets: . . . 41 Other Real E s ta te :................................161 Other A s s e ts :........................................122 Total Assets: ............................. 15,144 Total Trust Assets;: ............................. 0  Deposits: ..........................................................0 Federal Funds and Borrowings: . . . . 10,394 Other L ia b ilitie s :...........................................153 Subordinated D e b t:..........................................0 Total Liabilities.............................. 10,547 Total Equity Capital and Reserves: . . . 4,597 Total Liabilites and C a p ita l:......... 15,144 ........1,085 Number of Shares Outstanding  Directors: John V/. Ahlen, George E. Campbell, Wayne Clark, Joseph B. Ford, James Hall, III, A. David Harrington, Bert M. Mullens, Bob J. Nash, James C. Patridge, Don Pattillo, D. Patton Rudder, William T. Staed Branches in Town:  None  Other Branches:  None  Jones Investm ent & Trust Co. Little Rock, AR Telephone: 374-5225 Facsimile: 374-5100 2323 First Commercial Building Population: 175,795 72201-3441  Charter Number: 302 Date: Aug. 29, 1955 County: Pulaski  Trust Department: Yes Bank Holding Company None  CEO/Pres: Bernice Jones  VP: H. G. Frost, Jr.  Cash and Balances Due From Banks: 127 Federal Funds and R e p o s :................... 0 Investments: 14,813 Total L o a n s :.......................................... 606 Bank Premises and Fixed Assets: . . . 0 Other Real E s ta te :................................ 0 Other A s s e ts :........................................187 Total Assets: ............................. 15,733 Total Trust Assets: ............................. 0  Deposits: ..........................................................0 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :............................................. 19 Subordinated D e b t:..........................................0 Total Liabilities................................................19  Directors:  Total Equity Capital and Reserves: . . 15,714 Total Liabilites and C a p ita l:...................15,733 Number of Shares Outstanding ...........1,000  H. G. Frost, Jr., John Johnson, Bernice Jones  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  125  S eventy-E ighth Report  National Credit Corporation Little Rock, AR c/o Worthen Banking Corp. P. 0. Box 1681 72203-1681  Telephone: 371-8769 Facsimile: 371-8460 Population: 175,795  Charter Number: 1002 Date: April 13, 1941 County: Pulaski  Trust Department: No Bank Holding Company Worthen Banking Corporation, Little Rock, AR  Chm: Curtis F. Bradbury CEO/Pres: Andrew T. Melson  VP/Treas: Alan King  Cash and Balances Due From Banks: . . . 3 Federal Funds and Repos: ........................ 0 Investm ents:............................. 249 Total L o a n s :............................... 0 Bank Premises and Fixed Assets: 0 Other Real Estate: ..................................... 0 Other A s s e ts :............................................. 6 Total Assets: 258 Total Trust Assets: 0  Deposits: ......................................................... 0 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :............................................... 6 Subordinated D e b t:..........................................0 Total Liabilities..................................................6  Directors:  Total Equity Capital and Reserves: . . . . 252 Total Liabilites and C a p ita l:..................258 Number of Shares Outstanding .............6,250  Curtis F. Bradbury, William Keisler, Andrew T. Melton  Branches in Town:  None  Other Branches:  None  Southern Credit Corporation Malvern, AR Telephone: 332-2462 Facsimile: 332-3386 Population: 9,256  P. O. Box 400 72104-0400  Charter Number: 1000 Date: Oct. 9, 1959 County: Hot Spring  Trust Department: No Bank Holding Company None  Chm/CEO/Pres: W. H. McClure EVP: Layne Sparks  VP: Frank McClure  Cash and Balances Due From Banks: . . 201 Federal Funds and Repos: ................ 1,300 Investm ents:..................... 18,856 Total L o a n s :.......................... 4,641 Bank Premises and Fixed Assets: 49 Other Real Estate: .....................................391 Other Assets: .............................................371 Total Assets: 25,809 Total Trust Assets: 0  Deposits: 23,791 Federal Funds and Borrowings: ............... 0 Other L ia b ilitie s :....................................... 157 Subordinated D e b t:..........................................0 Total Liabilities............................. 23,948 Total Equity Capital and Reserves: . . . 1,861 Total Liabilites and C a p ita l:........ 25,809 Number of Shares Outstanding . . . . 13,109  Directors: Frank McClure, George L.McClure, W. Henry McClure, Glenville Rhodes, Layna Sparks, A. J. Wilks, Chris E. Williams, Nancy M. York Branches in Town:  None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  None  126  Arkansas S ta te Bank D epartm ent  The M etropolitan Trust Company Sherwood, AR Telephone: 835-7500 Facsimile: 835-1775 Population: 18,893  7500 Highway 107 P. 0. Box 6500 72116-0900  Charter Number: 569 Date: June 5, 1925 County: Pulaski  Trust Department: Yes Bank Holding Company None  Chm: Michael E. Friedrichsmeyer  CEO/Pres: Terry A. Paff  Cash and Balances Due From Banks: . 2 Federal Funds and R e p o s :................... 0 Investments: 479 Total L o a n s :.......................................... 0 Bank Premises and Fixed Assets: . . . 0 Other Real E s ta te :................................191 Other A s s e ts :..........................................40 Total Assets: ....................................... 712 Total Trust Assets: ............................. 0  Deposits: ......................................................... 0 Federal Funds and Borrowings: .....................0 Other L ia b ilitie s :.................................... 416 Subordinated D e b t:..........................................0 Total Liabilities.......................................416  Directors:  Total Equity Capital and Reserves: . . . . 296 Total Liabilites and C a p ita l:..................712 Number of Shares Outstanding ............. 1,642  Andrew J. Collins, Michael E. Friedrichsmeyer, Terry A. Paff  Branches in Town:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  None  Other Branches:  None  S eventy-E ighth Report  LIST OF COMMERCIAL BANKS   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  BY COUNTY  JUNE 30, 1992  Arkansas S tate Bank D epartm ent  128  COMMERCIAL BANKS LISTED BY COUNTY COUNTY  BANK  Arkansas  DeWitt Bank And Trust Company The First National Bank Planters & Merchants Bank First National Bank in Stuttgart The Farmers and Merchants Bank  DeWitt DeWitt Gillett Stuttgart Stuttgart  Ashley  First National Bank of Crossett First State Bank Farmers Bank Southeast Arkansas Bank Portland Bank The Peoples Bank W ilm ot State Bank  Crossett Crossett Hamburg Parkdale Portland Portland W ilmot  Baxter  First National Bank & Trust Company of Mountain Home Peoples Bank And Trust Company  CITY  Mountain Home Mountain Home  Benton  Bank of Bentonville First National Bank Decatur State Bank Bank of Gravett Farmers and Merchants Bank First National Bank & Trust Company First Western Bank and Trust Company Arkansas State Bank First National Bank  Boone  The Security Bank Worthen National Bank of Harrison  Bradley  First State Bank of Warren Warren Bank and Trust Company  Calhoun  Calhoun County Bank  Carroll  The First National Bank of Berryville Bank of Eureka Springs The First National Bank  Berryville Eureka Springs Green Forest  Chicot  Dermott State Bank First State Bank of Dermott The Eudora Bank Simmons First Bank of Lake Village The Bank of Lake Village  Dermott Dermott Eudora Lake Village Lake Village   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Bentonville Bentonville Decatur Gravette Rogers Rogers Rogers Siloam Springs Siloam Springs Harrison Harrison Warren Warren Hampton  129  S eventy-E ighth Report  COMMERCIAL BANKS LISTED BY COUNTY COUNTY  BANK  Clark  Bank of Am ity Citizens First State Bank Elk Horn Bank & Trust Company Merchants & Planters Bank & Trust Company First State Bank of Gordon  Clay  Corning Bank Piggott State Bank The Bank of Rector  Cleburne  First National Bank of Cleburne County Greers Ferry Lake State Bank Heber Springs State Bank The Cleburne County Bank  Cleveland  Pine State Bank The Bank of Rison  Columbia  Farmers Bank and Trust Company First National Bank of Magnolia The Peoples Bank  Magnolia Magnolia Waldo  Conway  Morrilton Security Bank, N.A. The First National Bank of Conway County  Morrilton Morrilton  Craighead  Caraway Bank Citizens Bank of Jonesboro Mercantile Bank Simmons First Bank of Jonesboro The Arkansas Bank MidSouth Bank  Caraway Jonesboro Jonesboro Jonesboro Jonesboro Monette  Crawford  Commercial Bank at Alma Bank of Mulberry Citizens Bank & Trust Company First National Bank of Crawford County  Alma Mulberry Van Buren Van Buren  Crittenden  First Southern Bank Citizens Bank Bank of West Memphis Fidelity National Bank of West Memphis First National Bank in West Memphis  Earle Marion West Memphis West Memphis West Memphis  Cross  First State Bank Cross County Bank First Arkansas Bank The First National Bank of Wynne  Dallas  Fordyce Bank & Trust Company The First State Bank of Fordyce Merchants & Planters Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY Am ity Arkadelphia Arkadelphia Arkadelphia Gurdon Corning Piggott Rector Heber Heber Heber Heber  Springs Springs Springs Springs  Kingsland Rison  Parkin Wynne Wynne Wynne Fordyce Fordyce Sparkman  Arkansas S ta te Bank D epartm ent  130  COMMERCIAL BANKS LISTED BY COUNTY COUNTY  BANK  Desha  Dumas State Bank Merchants & Farmers Bank McGehee Bank The First National Bank of McGehee  Dumas Dumas McGehee McGehee  Drew  Commercial Bank & Trust Company Union Bank And Trust Company  Monticello Monticello  Faulkner  First Community Bank First National Bank Worthen National Bank of Conway  Franklin  American State Bank Bank of Ozark  Fulton  Mercantile Bank Bank of Salem  Garland  Arkansas Bank and Trust Company Bank of Hot Springs Worthen National Bank of Hot Springs  Grant  First National Bank of Sheridan Grant County Bank  Greene  First National Bank Peoples Bank Security Bank  Hempstead  Bank of Blevins Citizens National Bank The First National Bank  Hot Spring  Bank of Malvern The Malvern National Bank  Howard  First National Bank of Howard County Citizens National Bank First National Bank  Independence The Citizens Bank First National Bank of Arkansas Worthen National Bank of Batesville Worthen National Bank of Newark Izard  First National Bank of Izard County The Bank of North Arkansas   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY  Conway Conway Conway Charleston Ozark Mammoth Spring Salem Hot Springs Hot Springs Hot Springs Sheridan Sheridan Paragould Paragould Paragould Blevins Hope Hope Malvern Malvern Dierks Nashville Nashville Batesville Batesville Batesville Newark Calico Rock Melbourne  131  S eventy-E ighth Report  COMMERCIAL BANKS LISTED BY COUNTY COUNTY  BANK  Jackson  First State Bank of Newport Merchants & Planters Bank Bank of Tuckerman  Jefferson  First National Bank of Altheimer Pine Bluff National Bank Simmons First National Bank Worthen National Bank of Pine Bluff  Altheimer Pine Bluff Pine Bluff Pine Bluff  Johnson  Arkansas State Bank Farmers Bank and Trust Company  Clarksville Clarksville  Lafayette  The Bank of Bradley Peoples Bank & Loan Co. The First National Bank of Lewisville Bodcaw Bank  Bradley Lewisville Lewisville Stamps  Lawrence  Peoples Bank First National Bank of Lawrence County The Arkansas Bank  Lee  First National Bank  Marianna  Lincoln  First State Bank Bank of Star City  Gould Star City  Little River  Bank of Ashdown, N.A. First National Bank in Ashdown  Ashdown Ashdown  Logan  Citizens Bank First National Bank at Paris Logan County Bank  Booneville Paris Scranton  Lonoke  Bank of Cabot Citizens Bank & Trust Bank of England First State Bank  Madison  First National Bank First State Bank Madison Bank and Trust  Marion  First Ozark National Bank The Bank of Yellville  Miller  Commercial National Bank of Texarkana State First National Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY Newport Newport Tuckerman  Imboden Walnut Ridge Walnut Ridge  Cabot Carlisle England Lonoke Huntsville Huntsville Kingston Flippin Yellville Texarkana Texarkana  Arkansas S ta te Bank D epartm ent  132  COMMERCIAL BANKS LISTED BY COUNTY COUNTY  BANK  Mississippi  Farmers Bank And Trust Company First National Bank in Blytheville Leachville State Bank The Merchants and Planters Bank American State Bank First National Bank in Osceola The Planters Bank  Monroe  Bank of Brinkley FirstBank of Arkansas The Merchants and Planters Bank Bank of Holly Grove  Brinkley Brinkley Clarendon Holly Grove  Montgomery  The Bank of Montgomery County  Mount Ida  Nevada  Bank of Prescott  Newton  Newton County Bank  Ouachita  Bank of Bearden First National Bank of Camden The Merchants & Planters Bank, N.A. The Stephens Security Bank  Bearden Camden Camden Stephens  Perry  The Perry County Bank  Perryville  Phillips  The Delta State Bank First National Bank of Phillips County Helena National Bank Merchants and Farmers Bank  Elaine Helena Helena West Helena  Pike  Bank of Delight Caddo First National Bank The Bank of Glenwood Pike County Bank  Delight Glenwood Glenwood Murfreesboro  Poinsett  The Bank of Harrisburg Little River Bank Marked Tree Bank Bank of Trumann First State Bank of Arkansas First Delta Bank Bank of Weiner  Polk  First National Bank in Mena The Union Bank of Mena   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY Blytheville Blytheville Leachville Manila Osceola Osceola Osceola  Prescott Jasper  Harrisburg Lepanto Marked Tree Trumann Trumann Tyronza Weiner Mena Mena  S eventy-E ighth Report  133  COMMERCIAL BANKS LISTED BY COUNTY CITY  COUNTY  BANK  Pope  Bank of Atkins First Bank of Arkansas First National Bank of Russellville Worthen National Bank of Russellville  Prairie  Farmers & Merchants Bank Hazen First State Bank  Pulaski  First Jacksonville Bank and Trust Arkansas Bankers' Bank Central Bank & Trust Citizens First Bank Eagle Bank & Trust Co. First Commercial Bank Metropolitan National Bank One National Bank of Little Rock Pulaski Bank And Trust Company Union National Bank of Arkansas Worthen National Bank of Arkansas Bank of Little Rock National Bank of Arkansas The Twin City Bank  Randolph  Bank of Pocahontas Planters & Stockmen Bank Farmers and Merchants Bank  Saline  Benton State Bank The Union Bank of Benton  Scott  Bank of Waldron The Scott County Bank  Waldron Waldron  Searcy  Searcy County Bank  Marshall  Sebastian  The City National Bank of Fort Smith The First National Bank The Merchants National Bank of Fort Smith Farmers Bank River Valley Bank & Trust Bank of Mansfield  Fort Smith Fort Smith Fort Smith Greenwood Lavaca Mansfield  Sevier  First National Bank First State Bank of DeQueen Horatio State Bank Bank of Lockesburg  DeQueen DeQueen Horatio Lockesburg  Sharp  First National Bank of Sharp County Bank of Cave City Bank of Evening Shade Mercantile Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Atkins Russellville Russellville Russellville Des Arc Hazen Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock N. Little Rock N. Little Rock N. Little Rock Pocahontas Pocahontas Reyno Benton Benton  Ash Flat Cave City Evening Shade Hardy  134  A rkansas S tate Bank D epartm ent  COMMERCIAL BANKS LISTED BY COUNTY COUNTY  BANK  St. Francis  First National Bank of Eastern Arkansas Planters Bank and Trust Company Planters National Bank  Stone  Etank of Mountain View  Union  National Bank of Commerce The Exchange Bank and Trust Company The First National Bank of El Dorado Union State Bank Smackover State Bank Citizens Bank  Van Buren  Clinton State Bank First National Bank  Washington  The Bank of Elkins Elkins Citizens Bank of Northwest Arkansas Fayetteville M cllroy Bank & Trust Fayetteville The Bank of Fayetteville, N.A. Fayetteville Bank of Lincoln Lincoln The Farmers & Merchants Bank Prairie Grove First National Bank Springdale Springdale Bank and Trust Springdale Worthen National Bank of Northwest Arkansas Springdale  White  Citizens State Bank Citizens Bank First State Bank FirstBank of Arkansas First National Bank First Security Bank  Woodruff  The Bank of Augusta Bank of McCrory  Augusta McCrory  Yell  Danville State Bank Arkansas Valley Bank Bank of Dardanelle First State Bank  Danville Dardanelle Dardanelle Plainview   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY Forrest City Forrest City Hughes Mountain View El Dorado El Dorado El Dorado Junction City Smackover Strong Clinton Clinton  Bald Knob Beebe Beebe Kensett Searcy Searcy  S eventy-E ighth Report  BANK HOLDING COMPANIES WHICH OWN COMMERCIAL BANKS   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  IN ARKANSAS JUNE 30, 1992  Arkansas S ta te Bank D epartm ent  136  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Commerce Financial Corporation Alm a, AR Hwy. 64-71 P. O. Box 2199 72921-2199  BHC Number: 9337 Telephone: 632-2257 Facsimile: 632-2263 Chm/CEO/Pres: John P. Ballentine Subsidiaries: Commercial Bank at Alma  Alma, AR  Central Arkansas Bancshares, Inc. Arkadelphia, AR BHC Number: 6567 Telephone: 246-8070 Facsimile: 246-2117  421 Main Street P. O. Box 340 71923-0340  Chm/CEO: Ross M. Whipple Subsidiaries: Merchants & Planters Bank & Trust Company Bank of Hot Springs Bank of Malvern  Arkadelphia, AR Hot Springs, AR Malvern, AR  Southern Developm ent Bancorporation, Inc. Arkadelphia, AR BHC Number: 10585 Telephone: 246-3945 Facsimile: 246-2182  605 Main, Suite 202 71923-6037  CEO/Pres: George Surgeon Subsidiaries: Elk Horn Bank and Trust Company Opportunity Lands Corporation   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Arkadelphia, AR Arkadelphia, AR  137  S eventy-E ighth Report  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Citizens State Bankshares of Bald Knob, Inc. Bald Knob, AR 306 South Elm Street P.O. Box 200 72010-0200  BHC Number: 4548 Telephone: 724-3241 Facsimile: 724-5985 Pres/Treas: Larry Kircher Subsidiaries: Citizens State Bank  Bald Knob, AR  Sebastian Bankshares, Inc. Barling, AR BHC Number: 10944 Telephone: 452-7906 Facsimile: 452-7978  227 Fort Street P. 0 . Box 529 72923-0529  CEO/Pres: James N. Patterson Subsidiaries: River Valley Bank & Trust River Valley Finance Corporation  Lavaca, AR Ozark, AR  Citizens Bancshares o f Batesville, Inc. Batesville, AR BHC Number: 8412 Telephone: 793-4441 Facsimile: 793-9190  Third and College Streets P. O. Box 2156 72503-2156  Chm/CEO: T. G. Vinson  Subsidiaries: The Citizens Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Batesville, AR  A rkansas S ta te Bank D epartm ent  138  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Union Bancshares of Benton, Inc. Benton, AR BHC Number: 8720 Telephone: 778-0411 Facsimile: 776-5433  207 West Conway Street P. 0 . Box 687 72015-0687  Chm/Pres: Greg B. Brown Subsidiaries: Benton Saving & Loan Association The Union Bank of Benton  Benton, AR Benton, AR  A rvest Bank Group, Inc. Bentonville, AR BHC Number: 2701 Telephone: 273-5743 Facsimile: 273-7477  125 West Central #218 72712  Chm/Pres: Jim C. Walton Subsidiaries: Bentonville, Siloam Springs Bancshares, Inc. Siloam Springs, First National Bank of Siloam Springs Fayetteville, Mcllroy Bank & Trust Prairie Grove, The Farmers & Merchants Bank Rogers, First National Bank & Trust Company Springdale, Springdale Bank and Trust Norman, Security National Bank & Trust Company (50% owner) Tulsa, State Bank & Trust  AR AR AR AR AR AR OK OK  Farmers Bancorp, Inc. Blytheville, AR BHC Number: 10415 Telephone: 763-8101 Facsimile: 763-3500  400 West Main Street P. 0 . Box 688 72316-0688  Chm/CEO/Pres: Alvin Huffman, III Subsidiaries: Farmers Bank and Trust Company   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Blytheville, AR  S eventy-E ighth Report  139  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS First W estern Bancshares, Inc. Booneville, AR 31 West Main P. 0 . Box 87 72927-0087  BHC Number: 7895 Telephone: 675-4600 Facsimile: 675-4690 CEO/Pres: John T. Hampton Subsidiaries: Citizens Bank First Western Bank and Trust Company First Western Loan Company  Booneville, AR Rogers, AR Greenwood, AR  The Bradley Corporation Bradley, AR BHC Number: 4611 Telephone: 894-3322 Facsimile: 894-3324  Main Street P. 0 . Box 120 71826-0120  CEO/Pres: Lane Pierce Subsidiaries: The Bank of Bradley  Bradley, AR  Brinkley Bancshares, Inc. Brinkley, AR BHC Number: 4873 Telephone: 734-3133 Facsimile: 734-3001  130 South New Orleans P. 0 . Box 727 72021-0727  Chm/CEO: A. H. Rusher Subsidiaries: Bank of Brinkley   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Brinkley, AR  A rkansas S ta te Bank D epartm ent  140  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS FirstBank Group, Inc. Brinkley, AR BHC Number: 11608 Telephone: 734-1300 Facsimile: 734-1305  207 South Main Street P. 0 . Box 787 72071-0787  Chm/CEO/Pres: James P. Farrell Subsidiaries: FirstBank of Arkansas FirstBank of Arkansas  Brinkley, AR Kensett, AR  Cabot Bankshares, Inc. Cabot, AR BHC Number: 5720 Telephone: 843-3575 Facsimile: 843-2964  One City Plaza P. O. Box 1028 72023-1028  Pres: James M. Park Subsidiaries: Bank of Cabot  Cabot, AR  Sharp Bancshares, Inc. Cave C ity, AR BHC Number: 7420 Telephone: 283-5301 Facsimile: 283-6466  110 Main Street P. 0 . Box 490 72521-0490  Chm/CEO: Eugene Street Subsidiaries: Bank of Cave City Bank of Evening Shade   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Cave City, AR Evening Shade, AR  S eventy-E ighth Report  141  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS American Bancshares o f Arkansas, Inc. Charleston, AR 400 East Main Street P. O. Box 128 72933-0128  BHC Number: 5587 Telephone: 965-2201 Facsimile: 965-2205 Chm/CEO: Joe S. Hiatt Subsidiaries: American State Bank  Charleston, AR  Clarendon Holding Co. Clarendon, AR 297 Madison P. O. Box 280 72029-0280  BHC Number: 7059 Telephone: 747-3319 Facsimile: 747-3498 CEO/Pres: J. Perry Lee Subsidiaries: The Merchants and Planters Bank  Clarendon, AR  W est-A rk Bancshares, Inc. Clarksville, AR BHC Number: 11044 Telephone: 754-6325 Facsimile: 754-7398  Cravens & Sevier P. 0 . Box 100 72830-0100  Chm/CEO/Pres: C. W, Kelly  Subsidiaries: Arkansas State Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Clarksville, AR  Arkansas S ta te Bank D epartm ent  142  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Clinton Bancshares, Inc. Clinton, AR BHC Number: 7291 Telephone: 745-2441 Facsimile: 745-2442 ext. 15  2025 S. South Court P. 0 . Box 57 72031  Chm/CEO: Charles Sharp Subsidiaries: Clinton State Bank  Clinton, AR  Evergreen Bancshares, Inc. Crossett, AR BHC Number: 8879 Telephone: 364-5131 Facsimile: None  123 Main Street P.O. Box 638 71635-0638  Chm/: Richard E. Griffin Subsidiaries: First State Bank  Crossett, AR  Chambers Bancshares, Inc. Danville, AR BHC Number: 9675 Telephone: 495-2236 Facsimile: 495-7765  901 Main P. 0 . Box 609 72833-0609  Chm/CEO/Pres: John Chambers, III Subsidiaries: Danville State Bank River Valley Appraisal Company   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Danville, AR Danville, AR  143  S eventy-E ighth Report  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Bank o f Dardanelle Bankshares, Inc. Dardanelle, AR BHC Number: 8849 Telephone: 229-3311 Facsimile: 229-4180  102 N. Front Street P. 0 . Box 577 72834-0090  CEO/Pres: H. M. Orsburn Subsidiaries: Bank of Dardanelle  Dardanelle, AR  First National Security Company DeQueen, AR BHC Number: 11272 Telephone: 642-2212 Facsimile: 642-7959  Third and Gibson P.O. Box 980 71832-0980  CEO/Pres: Larry Mashburn Subsidiaries: Bank of Ashdown, N.A. First National Bank First National Bank of Howard County Citizens National Bank Rodgers Family Bancshares, Inc. Bank of Waldron   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Ashdown, DeQueen, Dierks, Nashville, Waldron, Waldron,  AR AR AR AR AR AR  144  Arkansas S tate Bank D epartm ent  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS DBT Financial Corporation D eW itt, AR BHC Number: 9398 Telephone: 946-3531 Facsimile: 946-2815  Second and Jefferson Streets P. 0 . Drawer 71 72042-0071  Chm: Elmer Ferguson Subsidiaries: DeWitt Bank and Trust Company  DeWitt, AR  D eW itt First Bankshares Corporation D eW itt, AR BHC Number: 7051 Telephone: 946-3551 Facsimile: 946-1562  W. Cross and Jefferson P. 0 . Box 511 72042-0511  CEO/Pres: Ray Hambrick Subsidiaries: The First National Bank Bank of Lockesburg  DeWitt, AR Lockesburg, AR  Decatur Bancshares, Inc. Decatur BHC Number: 11686 Telephone: 752-3281 Facsimile: None  Hwy. 59 North P. 0 . Box 38 72722-0038  CEO/Pres: Vernon L. Austin  Subsidiaries: Decatur State Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Decatur, AR  S eventy Eighth Report  145  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS DSB Bancshares, Inc. Derm ott, AR 108 East Speedway P.O. Drawer C 71638-0803  BHC Number: 10725 Telephone: 538-3266 Facsimile: 538-5468 Pres: John M. Baxter Subsidiaries: Dermott State Bank  Dermott, AR  D erm ott Bancshares, Inc. D erm ott, AR BHC Number: 9166 Telephone: 538-3221 Facsimile: 538-3787  110 East Peddicord P. 0 . Drawer 0 71638-0815  CEO/Pres: Thomas H, Grumbles Subsidiaries: First Delta Financial Corporation First State Bank of Dermott  Dermott, AR Dermott, AR  Security Bancshares, Inc. Des A rc, AR BHC Number: 9459 Telephone: 256-4191 Facsimile: 256-4582  110 S. Third Street P. O. Box 369 72040-0369  CEO/Pres: Sherod S. White  Subsidiaries: Farmers & Merchants Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Des Arc, AR  146  A rkansas S ta te Bank D epartm ent  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Dumas Bancshares, Inc. Dumas, AR BHC Number: 5859 Telephone: 382-4204 Facsimile: 382-2084  Hwy 65 & 54 P. 0 . Box 915 71639-0700  CEO/Pres: James R. Hall Subsidiaries: Dumas State Bank First State Bank  Dumas, AR Gould, AR  M & F Financial Corporation Dumas, AR BHC Number: 7273 Telephone: 382-4311 Facsimile: 382-5901  130 W. Waterman P. O. Box 187 71639-0187  Chm/CEO/Pres: Loral Adcock Subsidiaries: Merchants & Farmers Bank  Dumas, AR  Earle Bankshares, Inc. Earle, AR BHC Number: 6895 Telephone: 792-8613 Facsimile: 735-8860  801 Commerce Street P. 0 . Box 248 72331-0248  CEO/Pres: John Ed Gregson  Subsidiaries: First Southern Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Earle, AR  S eventy-E ighth Report  147  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS C om m unity investm ent, Inc. Elkins, AR BHC Number: 7290 Telephone: 643-2131 Facsimile: 643-2651  348 N. Center P. 0 . Box 333 72727-0333  Chm/CEO: Joel L. Bunch Subsidiaries: Bank of Elkins  Elkins, AR  Delta Bancshares, Inc. Eudora, AR BHC Number: 5343 Telephone: 355-8311 Facsimile: None  111 N. Main P. 0 . Box 270 71640-0270  Chm: W. K. Grubbs Subsidiaries: The Eudora Bank  Eudora, AR  FBT Bancshares, Inc. Fordyce, AR BHC Number: 6896 Telephone: 352-3107 Facsimile: 352-5202  200 W. 4th Street P. O. Box 352 71742-0352  Chm/CEO/Pres: Curtis Hutchins Subsidiaries: Fordyce Bank & Trust Company   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Fordyce, AR  Arkansas S ta te Bank D epartm ent  148  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Planters & M erchants Bancshares, Inc. G illett, AR BHC Number: 11448 Telephone: 548-2211 Facsimile: 548-2213  320 West Main P. 0 . Box 357 72055-0357  Pres: Larry E. Bauer  Subsidiaries:  Planters & Merchants Bank  Gillett, AR  Bainum Bancorp Glenwood, AR BHC Number: 10985 Telephone: 356-2121 Facsimile: 356-2211  Broadway & Pulliam P. 0 . Box 0 71943-0813  Chm/CEO/Pres: Irvin C. Bainum Subsidiaries: The Bank of Glenwood  Glenwood, AR  W ilkinson Banking Corporation G reenwood, AR BHC Number: 11241 Telephone: 996-4171 Facsimile: 996-6700  125 W. Center Street P. 0 . Box 610 72936-0610  CEO/Pres: Edward Wilkinson  Subsidiaries: Farmers Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Greenwood, AR  BANK HOLDING COMPANIES W HICH OWN STATE CHARTERED BANKS Holly Grove Bancshares, Inc. Holly Grove, AR BHC Number: 11367 Telephone: 462-3331 Facsimile: 462 3992  510 N. Main Street P. 0. Box Q 72069-0816  CEO/Pres: William R Reynolds Subsidiaries: Bank of Holly Grove  Holly Grove, AR  First National Bancshares of Hempstead County, Inc. Hope, AR BHC Number: 8092 Telephone: 777-2363 Facsimile: 777-5597  Second and Walnut Streets P. 0. Box 520 71801-0502  CEO/Pres: Thomas E Hays, Jr Subsidiaries: Bank of Blevins The First National Bank  Blevins, AR Hope, AR  Pioneer Bancshares. Inc of Horatio, Arkansas Horatio, AR BHC Number. 9388 Telephone: 832 2501 Facsimile: 832-2577  100 Main Street P, 0. Box 347 71842-0347  Chm/CEO/Pres: Edith N Smith Subsidiaries: Horatio State Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  H o r a tio ,  AR  A rkansas S tate Bank D epartm ent  150  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Smith Associated Banking Corporation Hot Springs, AR BHC Number: 5932 Telephone: 623-4292 Facsimile: 623-4688  1801 Central Avenue, Suite B 71901  Chm/CEO/Pres: Richard T. Smith Subsidiaries: Bank of Salem The Stephens Security Bank  Salem, AR Stephens, AR  BTS Bancshares, Inc. Huntsville, AR BHC Number: 11986 Telephone: 738-2147 Facsimile: 738-1255  Hwy. 412 West P. 0 . Box 667 72740-0667  CEO/Pres: Tom Mathias Subsidiaries: First State Bank  Huntsville, AR  Spring Rivers Bancshares, Inc. Imboden, AR BHC Number: 10793 Telephone: 869-2291 Facsimile: 869 2179  Hwy 63 West P. 0 . Box 850 72434-0850  Chm: Charles Luter Subsidiaries: Peoples Bank Peoples Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Imboden, AR Paragould, AR  S eventy-E ighth Report  151  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS First Arkansas Bancshares, Inc. Jacksonville, AR 600 West Main Street P. 0 . Box 827 72076-0827  BHC Number: 4212 Telephone: 982-4511 Facsimile: 982-5769 CEO/Pres: Larry T. Wilson Subsidiaries: First Jacksonville Bank and Trust First Jacksonville Corporation  Jacksonville, AR Jacksonville, AR  Citizens Bancshares Corporation Jonesboro, AR BHC Number: 3265 Telephone: 932-6603 Facsimile: 933-4334  Citizens Bank Bldg., 7th Floor P.O. Box 1800 72403-1800  Chm/Pres: H. Hall McAdams, III Subsidiaries: Citizens Bank of Jonesboro  Jonesboro, AR  S outhw est Bancshares, Inc. Jonesboro, AR BHC Number: 11677 Telephone: 972-5866 Facsimile: 935-8306  139 Southwest Drive 72401  Chm/CEO: Wallace W. Fowler Subsidiaries: Dover Bancshares, Inc. First Bank of Arkansas First State Bank of Arkansas   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Russellville, AR Russellville, AR Trumann, AR  152  Arkansas S ta te Bank D epartm ent  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Southeast Arkansas Bank Corporation Lake Village, AR BHC Number: 9140 Telephone: 265-2241 Facsimile: 265-2125  101 Main Street P. 0 . Box 727 71653-0727  Pres/COO: Hermon Carlton Subsidiaries: The Bank of Lake Village BLV Realty, Inc.  Lake Village, AR Lake Village, AR  Leachville State Bancshares, Inc. Leachville, AR BHC Number: 10213 Telephone: 539-6354 Facsimile: 539-2213  110 N. Main Street P. 0 . Box 140 72438-0140  CEO/Pres: Nelson Henry Subsidiaries: Caraway Bancshares, Inc. Caraway Bank Leachville State Bank  Caraway, AR Caraway, AR Leachville, AR  Peoples Bancshares, Inc. Lewisville, AR BHC Number: 10259 Telephone: 921-4244 Facsimile: 921-4336  305 Spruce P.O. Box 1100 71845-1100  Chm/CEO/Pres: Charles Black Subsidiaries: Peoples Bank & Loan Co.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Lewisville, AR  153  S e ve n ty- E ig h th R e p o rt  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Lincoln Bankshares, Inc. Lincoln, AR West Side Square P, 0 , Box 1000 72744-1000  BHC Number: 7245 Telephone: 824-3232 Facsimile: 824-5703 Chm/CEO/Pres: Loyd R. Swope Subsidiaries: Bank of Lincoln Lincoln Insurance Company  Lincoln, AR Lincoln, AR  Arkansas Bankers" Bancorporation, Inc. Little Rock, AR BHC Number: 11533 Telephone: 371-0535 Facsimile: 376-8894  1008 West Second Street 72201-2031  CEO/Pres. Bill May Subsidiaries: Arkansas Bankers' Bank  Little Rock, AR  Carlisle Bancshares, Inc. Little Rock, AR BHC Number: 8621 Telephone: 376-2128 Facsimile: 374-1968  300 Spring Bldg, Suite 1010 72201-2449  Sec/Treas: Daniel C, Horton Subsidiaries: Grand Prairie Bancshares, Inc. Citizens Bank & Trust   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Little Rock, AR Carlisle, AR  Arkansas S ta te Bank D epartm ent  154  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS FDH Bancshares, Inc. Little Rock, AR BHC Number: 11270 Telephone: 378-0629 Facsimile: 372-5688  320 W. Capital Avenue P. 0 . Box 1951 72201-1951  CEO/Pres: Ted Davis Subsidiaries: Citizens First State Bank Consolidated Data Services The Exchange Bank and Trust Company The First State Bank of Fordyce Citizens First Bank Citizens Bank  Arkadelphia, El Dorado, El Dorado, Fordyce, Little Rock, Strong,  AR AR AR AR AR AR  Farmers Investm ent Corporation Little Rock, AR BHC Number: 6754 Telephone: 661-7700 Facsimile: 661-7857  5800 R. Street P. 0 . Box 7299 72217-7299  Chm/CEO/Pres: James C. East Subsidiaries: Farmers Bank and Trust Company   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Clarksville, AR  S e v e n t y e ig h th R epo rt  15 5  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS First Commercial Corporation Little Rock, AR BHC Number: 4192 Telephone: 371-7000 Facsimile: 371-7413  400 West Capital P. O. Box 1471 72203-1471  Chm/CEO/Pres: Barnett Grace Subsidiaries:  Benton State Bank First National Bank of Conway The Security Bank ABT Bancshares Corporation Arkansas Bank and Trust Company Baker & Hill, Inc. First Commercial Bank, N.A. First Commercial Trust Company, N.A. Morrilton Security Bank, N.A, Farmers and Merchants Bank First National Bank of Russellville Security National Bank & Trust Company (50% owner) First Commercial Bank, N.A,  Benton, Conway, Harrison, Hot Springs, Hot Springs, Little Rock, Little Rock, Little Rock, Morrilton, Rogers, Russellville, Norman, Memphis,  AR AR AR AR AR AR AR AR AR AR AR OK TN  Lake Hamilton Enterprises, Inc. Little Rock, AR BHC Number: 1191 Telephone: 562-3894 Facsimile: 562-261 1  7000 1/2 Asher Avenue P. 0. Box 4261 72204-4261  Chm/CEO/Pres: R W Butler Subsidiaries: The Bank of Harrisburg The Cleburne County Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Harrisburg, AR Heber Springs, AR  156  Arkansas S ta te Bank D epartm ent  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Madison Corporation Little Rock, AR BHC Number: 9793 Telephone: 680-0576 Facsimile: 376-8894  1008 West Second Street 72201-2031  Chm/CEO/Pres: Roland Willshire Subsidiaries: Madison Bank and Trust  Kingston, AR  M ontgom ery County Bancshares, Inc. Little Rock, AR BHC Number: 8065 Telephone: 376-2128 Facsimile: 374-1968  300 Spring Bldg, Suite 1010 72201-2449  CEO/Pres: Daniel C. Horton Subsidiaries: Junction City Holding Company Union State Bank First National Bank in Mena The Bank of Montgomery County  Little Rock, Junction City, Mena, Mount Ida,  AR AR AR AR  P & W Bancshares, Inc. Little Rock, AR BHC Number: 11798 Telephone: 374-7777 Facsimile: 374-2079  1601 Main Street P. 0 . Box 1583 72203-1583  CEO/Pres: Bryan Pitts Subsidiaries: Central Bank & Trust   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Little Rock, AR  157  S eventy-E ighth Report  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Pulaski Investm ent Corporation Little Rock, AR BHC Number: 2109 Telephone: 661-7700 Facsimile: 661-7857  5800 R Street P. O. Box 7299 72217-7299  Chm/CEO/Pres: James C. East Subsidiaries: Pulaski Bank and Trust Company  Little Rock, AR  State Holding Company Little Rock, AR BHC Number: 7810 Telephone: 663-2453 Facsimile: 666-3420  1000 S. Rodney Parham P. 0 . Box 22120 72221-2120  CEO/Pres: Cathy Owen Subsidiaries: Heber Springs State Bank Eagle Bank & Trust Company   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Heber Springs, AR Little Rock, AR  158  A rkansas S tate Bank D epartm ent  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS W orthen Banking Corporation Little Rock, AR BHC Number: 123 Telephone: 378-1521 Facsimile: 378-1506  P. 0 . Box 1681 72203-1681  Chm/CEO/Pres: Curt Bradbury Subsidiaries: Worthen National Bank of Batesville Worthen National Bank of Camden Worthen National Bank of Conway Worthen National Bank of Harrison Worthen National Bank of Hot Springs Consumer Protective Life Insurance Comapny Worthen Development Corporation Worthen National Bank of Arkansas Worthen Trust Company, Inc. Worthen Services Corporation National Credit Corporation, an Industrial Loan Institution Worthen National Bank of Newark Worthen National Bank of Pine Bluff Worthen National Bank of Russellville Worthen National Bank of Northwest Arkansas  Batesville, Camden, Conway, Harrison, Hot Springs, Little Rock, Little Rock, Little Rock, Little Rock, Little Rock,  AR AR AR AR AR AR AR AR AR AR  Little Rock, Newark, Pine Bluff, Russellville, Springdale,  AR AR AR AR AR  Lonoke Bancshares, Inc. Lonoke, AR BHC Number: 11479 Telephone: 676-3106 Facsimile: 676-5046  101 E. Front Street P. 0 . Box 320 72086-0320  Pres: David R. Estes Subsidiaries: First State Bank First State Land Company   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Lonoke, AR Lonoke, AR  S eventy-E ighth Report  159  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Magnolia Banking Corporation Magnolia, AR 200 East Main Street P. 0 . Box 250 71753-0250  BHC Number: 8951 Telephone: 235-7000 Facsimile: 235-7010 Pres: Bob L. Burns Subsidiaries: Farmers Bank and Trust Company  Magnolia, AR  Mansfield Bankstock, Inc. M ansfield, AR BHC Number: 7877 Telephone: 928-4418 Facsimile: 928-5149  101 S. Sebascott P. 0 . Box 387 72944-0387  CEO/Pres: Joseph A. Terry Subsidiaries: Bank of Mansfield  Mansfield, AR  First Citizens Bancshares Company Marion, AR BHC Number: 7966 Telephone: 739-4421 Facsimile: 739-1305  115 Block Street P. 0 . Box 300 72364-0300  Chm: Forrest N. Jenkins Subsidiaries: Citizens Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Marion, AR  160  A rkansas S ta te Bank D epartm ent  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Marked Tree Bancshares, Inc. Marked Tree, AR BHC Number: 8998 Telephone: 358-2600 Facsimile: 358-4210  210 Frisco Street P. 0 . Box 160 72365-0160  CEO/Pres: John A. Brunner, Jr. Subsidiaries: Marked Tree Bank  Marked Tree, AR  Thom pson Land Company, Inc. M cC rory, AR BHC Number: 1195 Telephone: 731-2526 Facsimile: None  105 S. Edmonds Avenue P. O. Box 388 72101-0388  Chm/CEO/Pres: John G. Thompson Subsidiaries: Bank of McCrory  McCrory, AR  Southeast Financial Bankstock Corporation McGehee, AR BHC Number: 4372 Telephone: 222-3151 Facsimile: 222-6159  301 N. 2nd. P. 0 . Box 787 71654-0787  CEO/Pres: Sam Bowman Subsidiaries: McGehee Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  McGehee, AR  161  S eventy-E ighth Report  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Union Bankshares, Inc. Mena, AR BHC Number: 7540 Telephone: 394-2211 Facsimile: 394-3809  515 Janssen Avenue P. 0 . Box 898 71953-0898  CEO/Pres: Bill L. Wood Subsidiaries: The Union Bank of Mena  Mena, AR  MSB Shares, Inc. M onette, AR BHC Number: 12027 Telephone: 486-5493 Facsimile: 486-2250  302 West Drew P.O. Box P 72447-0610  V Chm: Revis G. Stewart Subsidiaries: MidSouth Bank  Monette, AR  Drew Bancshares, Inc. M onticello, AR BHC Number: 6128 Telephone: 367-6221 Facsimile: 367-7700  212 W. Gaines P. 0 . Box 150 71655-0150  CEO/Pres: Reginald Glover Subsidiaries: Commercial Bank & Trust Company   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Monticello, AR  Arkansas S tate Bank D epartm ent  162  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS First Union Financial Corporation M onticello, AR BHC Number: 6762 Telephone: 367-3453 Facsimile: 367-5183  102 W. McCloy P. 0 . Box 270 71655-0270  CEO/Pres: James P. Jett Subsidiaries: Union Bank and Trust Company  Monticello, AR  Pine State Bancshares, Inc. M onticello, AR BHC Number: 12060 Telephone: 367-3580 Facsimile: None  101 North Main P. 0 . Box 418 71655-0418  CEO/Pres: James W. Searcy Subsidiaries: Pine State Bank  Kingsland, AR  Baxter County Bancshares, Inc. M ountain Home, AR BHC Number: 11012 Telephone: 425-2166 Facsimile: None  9th & Baker Street P. 0 . Drawer B 72653-0458  Chm/CEO/Pres: D. Eugene Fortson Subsidiaries: Peoples Bank and Trust Company   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Mountain Home, AR  163  S eventy-E ighth Report  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Acme Holding Company, Inc. M ulberry, AR 311 Main Street P. 0 . Drawer A 72947-0480  BHC Number: 9566 Telephone: 997-1154 Facsimile: 997-1161 CEO/Pres: Lex Golden Subsidiaries: Bank of Mulberry  Mulberry, AR  Bainum Bancorp II M urfreesboro, AR BHC Number: 11306 Telephone: 285-2172 Facsimile: 285-3335  101 N. Washington P. O. Box 279 71958-0279  Chm/CEO/Pres: Irvin C. Bainum  Subsidiaries: Pike County Bank  Murfreesboro, AR  M & P Com m unity Bancshares, Inc. N ew port, AR BHC Number: 11282 Telephone: 523-3601 Facsimile: 523-3473  Second and Hazel Streets P. 0 . Box 550 72112-0550  Chm/CEO/Pres: Jim S. Gowen, Sr. Subsidiaries: Greers Ferry Lake State Bank Merchants & Planters Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Heber Springs, AR Newport, AR  A rkansas S ta te Bank D e p a rtm e n t  164  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS First Charter Bancshares, Inc. North Little Rock, AR BHC Number: 8041 Telephone: 771-1130 Facsimile: 758-7863  3901 McCain Park Drive 72116-7878  CEO/Pres: Lyndell Lay Subsidiaries: First State Bank Charter Mortgage & Investments, Inc.  Beebe, AR North Little Rock, AR  TCBankshares, Inc. North Little Rock, AR BHC Number: 6413 Telephone: 372-4700 Facsimile: None  P. 0 . Box 5581 72119-5581  CEO/Pres: T. E. Renaud Subsidiaries: First National Bank of Arkansas First Ozark National Bank First National Bank of Cleburne County The First National Bank of Conway County The Twin City Bank First National Bank of Crawford County   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Batesville, Flippin, Heber Springs, Morrilton, North Little Rock, Van Buren,  AR AR AR AR AR AR  165  S eventy-E ighth Report  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Ozark Bankshares, Inc. Ozark, AR BHC Number: 4780 Telephone: 667-2181 Facsimile: 667-5166  Commercial at Sixth P. 0 . Box 196 72949-0196  CEO: George G. Gleason, II Subsidiaries: Bankstock One, Inc. Bank of Ozark Ozark Commercial Corporation Ozark Financial Services Bankstock Two, Inc. Arkanas Valley Bank Newco Corporation Newton County Bank  Ozark, Ozark, Ozark, Ozark, Ozark, Dardanelle, Ozark, Jasper,  AR AR AR AR AR AR AR AR  First Paragould Bankshares, Inc. Paragould, AR BHC Number: 7509 Telephone: 239-8521 Facsimile: 239-2274  Second and Court Streets P. O. Box 700 72451-0700  CEO/Pres: William E. Brewer Subsidiaries: Corning Bank First National Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Corning, AR Paragould, AR  Arkansas S ta te Bank D epartm ent  166  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Mid South Bancshares, Inc. Paragould, AR BHC Number: 8419 Telephone: 239-9571 Facsimile: 239-3410  West Court & Pruett Street P. 0 . Box 670 72450-0670  CEO/Pres: Steve Gramling Subsidiaries: Far-Mer Bankshares, Inc. Farmers arid Merchants Bank Security Bank  Paragould, AR Reyno, AR Paragould, AR  Parkin Bancorp, Inc. Parkin, AR BHC Number: 9786 Telephone: 755-5401 Facsimile: 755-2567  25 W. Parkin Avenue P. O. Box 526 72373-0526  CEO/Pres: William N. Griffin Subsidiaries: First State Bank  Parkin, AR  Perry County Bancshares, Inc. Perryville, AR BHC Number: 9332 Telephone: 889-2318 Facsimile: 889-2966  201 Main Street P. 0 . Box 189 72126-0189  CEO/Pres: Robert M. Hill Subsidiaries: The Perry County Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Perryville, AR  167  S eventy-E ighth Report  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Piggott Bankstock, Inc. Piggott, AR BHC Number: 6242 Telephone: 598-3802 Facsimile: 598-2026  212 W. Cherry Street P. 0 . Box 307 72454-0307  Chm/CEO/Pres: Paula 0 . Blackwell Subsidiaries: Piggott State Bank  Piggott, AR  Simmons First National Corporation Pine Bluff, AR BHC Number: 1190 Telephone: 541-1000 Facsimile: 541-1123  501 Main Street P. 0 . Box 7009 71611-7009  Chm/CEO: W. E. Ayres Subsidiaries: Simmons First Bank of Jonesboro Simmons First Bank of Lake Village Arkansas Fund Simmons First Mortgage Corporation Simmons First National Bank  Jonesboro, Lake Village, Pine Bluff, Pine Bluff, Pine Bluff,  AR AR AR AR AR  Clement Bancshares, Inc. Plainview, AR BHC Number: 4074 Telephone: 272-4221 Facsimile: 272-4154  200 Main Street P. 0 . Box 277 72857-0277  Chm/CEO/Pres: John Clement Subsidiaries: First State Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Plainview, AR  A rkansas S ta te Bank D epartm ent  168  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Pocahontas Bankstock, Inc. Pocahontas, AR BHC Number: 11700 Telephone: 892-5286 Facsimile: 892-8381  101 Broadway P. 0 . Box 467 72455-0467  CEO/Pres: John R. Jackson, Jr. Subsidiaries: Bank of Pocahontas  Pocahontas, AR  W alden Holding Company Pocahontas, AR BHC Number: 11441 Telephone: 892-5252 Facsimile: 892-8251  205 Rice Street P. O. Box 587 72455-0587  Chm/CEO/Pres: Frank E. Walden Subsidiaries: Planters & Stockmen Bank  Pocahontas, AR  Mainline Bankshares of Portland, Inc. Portland, AR BHC Number: 8614 Telephone: 737-2236 Facsimile: 737-2816  Main Street P. O. Box 178 71663-0178  CEO/Pres: Tipton Pugh  Subsidiaries: The Peoples Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Portland, AR  169  S eventy-E ighth Report  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Portland Bankshares, Inc. Portland, AR BHC Number: 9641 Telephone: 737-2226 Facsimile: 737-4263  Main Street P. 0 . Box 68 71663-0068  CEO/Pres: Jerry Sadler Subsidiaries: Portland Bank  Portland, AR  First State Holding Company of Prescott Prescott, AR BHC Number: 4108 Telephone: 887-2688 Facsimile: 887-6822  103 E. 2nd at Main P. 0 . Box 490 71857-0490  CEO/Pres: Johnny Brannan Subsidiaries: Bank of Prescott  Prescott, AR  First Security Bancorp Searcy, AR BHC Number: 41 54 Telephone: 279-3400 Facsimile: 279-3455  314 North Spring P. 0 . Box 1009 72143-1009  CEO/Pres: Reynie Rutledge Subsidiaries: Citizens Bank First Security Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Beebe, AR Searcy, AR  Arkansas S ta te Bank D epartm ent  170  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS GCB Bancshares, Inc. Sheridan, AR BHC Number: 6743 Telephone: 942-3145 Facsimile: 942-5900  101 North Oak Street P. 0 . Box 67 72150-0067  CEO/Pres: D. E. McCoy, Jr. Subsidiaries: Grant County Bank  Sheridan, AR  Smackover Bancshares, Inc. Smackover, AR BHC Number: 6166 Telephone: 725-3051 Facsimile: 725-3049  708 North Broadway P. 0 . Box 107 71762-0107  Chm/CEO: Max 0 . Taylor Subsidiaries: Smackover State Bank  Smackover, AR  Star C ity Bancshares, Inc. Star C ity, AR BHC Number: 8507 Telephone: 628-4286 Facsimile: 628-5274  200 S. Jefferson P. 0 . Drawer 69 71667-0069  CEO/Pres: Bennie Ryburn, Jr. Subsidiaries: Bank of Star City   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Star City, AR  171  S eventy-E ighth Report  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS InvestA rk Bankshares, Inc. S tuttg art, AR BHC Number: 8271 Telephone: 673-3545 Facsimile: 673-1977  412 S. Main P. 0 . Drawer 908 72160-0908  Chm/CEO/Pres: Harry C. Erwin Subsidiaries: The Bank of North Arkansas First National Bank in Stuttgart  Melbourne, AR Stuttgart, AR  The Farmers and M erchants Bankshares, Inc. S tuttgart, AR BHC Number: 7425 Telephone: 673-6911 Facsimile: 673-6918  708 S. Main P. 0 . Drawer 947 72160-0947  CEO/Pres: Don Pattillo Subsidiaries: The Farmers and Merchants Bank  Stuttgart, AR  Rainbow Investm ent Company, Inc. Tuckerm an, AR BHC Number: 10219 Telephone: 349-5155 Facsimile: 349-5170  Main Street P. 0 . Box 700 72473-0700  Chm/CEO/Pres: Lindley V. Smith, Jr. Subsidiaries: Bank of Tuckerman   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Tuckerman, AR  172  A rkansas S ta te Bank D epartm ent  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Tyronza Bancshares, Inc. Tyronza, AR BHC Number: 9474 Telephone: 487-2161 Facsimile: 487-2069  Main and Oak Streets P. 0 . Box 395 72386-0395  CEO/Pres: Charles F. Luter Subsidiaries: First Delta Bank  Tyronza, AR  Vista Bancorporation Van Buren, AR BHC Number: 10813 Telephone: 474-1201 Facsimile: 474-4630  3110 Alma Highway P.O. Box 469 72956-0469  Chm/CEO/Pres: James G. Williamson, Jr. Subsidiaries: Citizens Bank & Trust Company  Van Buren, AR  Golden Oaks Bancshares, Inc. W aldo, AR BHC Number: 6568 Telephone: 693-5551 Facsimile: None  101 Main Street P. 0 . Box 426 71770-0426  Chm/CEO/Pres: Harold Fincher  Subsidiaries: The Peoples Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Waldo, AR  S eventy-E ighth Report  173  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Bradley Bancshares, Inc. W arren, AR 104 South Main Street P. 0 . Box 29 71671-0029  BHC Number: 5515 Telephone: 226-2601 Facsimile: 226-2253 CEO/Pres: Freddie Mobley Subsidiaries: Data Processing Service Corporation First State Bank of Warren  Warren, AR Warren, AR  Hogue Holding Company, Inc. W einer, AR BHC Number: 11415 Telephone: 684-2221 Facsimile: 684-7392  Highway 49 P. 0 . Box 307 72479-0307  Chm/CEO/Pres: John R. Hogue Subsidiaries: Bank of Weiner  Weiner, AR  Southern Bancshares, Inc. W est Helena, AR BHC Number: 6473 Telephone: 572-3481 Facsimile: 572-1901  425 East Plaza P. 0 . Box 2507 72390-0507  CEO/Pres: Bill Simmons  Subsidiaries: Merchants and Farmers Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  West Helena, AR  A rkansas S ta te Bank D ep a rtm e n t  174  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Bancshares o f W est Memphis, Inc. W est Memphis, AR 626 East Broadway P. 0 . Box 2128 72303-2128  BHC Number: 7168 Telephone: 732-8000 Facsimile: 735-0849 CEO/Pres: Jack K. Hogan Subsidiaries: Bank of West Memphis  West Memphis, AR  Cherry Valley Bancshares, Inc. W ynne, AR BHC Number: 9731 Telephone: 238-2265 Facsimile: 238-7030  500 N. Falls Boulevard P. O. Box 189 72396-0189  Chm: H. H. Beasley Subsidiaries: First Arkansas Bank  Wynne, AR  Cross C ounty Bancshares, Inc. W ynne, AR BHC Number: 8492 Telephone: 238-8171 Facsimile: 238-4052  1 Cross County Plaza P. 0 . Box 9 72396-0009  CEO/Pres: Ken McClanahan  Subsidiaries: Cross County Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Wynne, AR  175  S eventy-E ighth Report  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Mountain Bancshares, Inc. Yellville, AR BHC Number: 6304 Telephone: 449-4231 Facsimile: 449-4231 ext. 106  Madison and Church P. 0 . Box 325 72687-0325  Chm/CEO/Pres: Judy Loving Subsidiaries: The Bank of Yellville  Yellville, AR  Citizens Holding Company Muskogee, OK BHC Number: 4606 Telephone: (9 1 8)68 3 -66 1 1 Facsimile: (918) 684-6458  Broadway and Fourth P.O. Box 1967 74402-1967  CEO/Pres: Richard K. Black Subsidiaries: Citizens Bank o f Northwest Arkansas Citizens National Bank & Trust   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Fayetteville, AR Muskogee, OK  Arkansas S ta te Bank D epartm ent  176  BANK HOLDING COMPANIES WHICH OWN STATE CHARTERED BANKS Union Planters Corporation Memphis, Tennessee BHC Number: 247 Telephone: (901) 383-6000 Facsimile: (901) 383-2939  7100 Goodlett Farms Parkway P. 0 . Box 387 38108  Chm/CEO: Benjamin W. Rawlins, Jr.  Subsidiaries:  Steiner Bank North Arkansas Bancshares, Inc. Mercantile Bank Mercantile Bank Mercantile Corporation Mercantile Realty, Inc. Mercantile Bank Searcy County Bank First State Bank of Newport The Bank of Rector United Southern Bank First National Bank Dekalb County Bank Pickett County Bank and Trust Company CBC Bancorp, Inc. Citizens Bank Chickasaw Capital Corporation Planters Life Insurance Company Union Planters Investment Bankers Corporation First National Bank of Crossville Cumberland City Bank Bank of Roane County First Citizens Bank of Hohenwald Merchants State Bank Chickasaw Capital Corporation Union Planters National Bank Bank of Trenton and Trust Company Fairless, Hinton, and Harbert, Inc Citizens Bank and Trust Company   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Birmingham, AL Jonesboro, AR Hardy, AR Jonesboro, AR Jonesboro, AR Jonesboro, AR Mammoth Spring, AR Marshall, AR Newport, AR Rector, AR Clarksdale, MS New Albany, MS Alexandria, TN Byrdstown, TN Cookeville, TN Cookeville, TN Cordova, TN Cordova, TN Cordova, TN Crossville, TN Cumberland City, TN Harriman, TN Hohenwald, TN Humbolt, TN Memphis, TN Memphis, TN Trenton, TN Trenton, TN Wartburg, TN  177  S e venty-E ighth Report  BANK HOLDING COMPANIES WHICH OWN ONLY NATIONAL BANKS  JUNE 30, 1992 First Sharp County Bancshares, Inc. First Bentonville Bancshares, Inc. Siloam Springs Bancshares, Inc. First Delta Bankshares, Inc. W yatt Bancshares, Inc. Clin-Ark Bankshares, Inc. Ashley Bancstock Company First United Bancshares, Inc. NBC Bank Corporation Bancshares of Eastern Arkansas, Inc. First Bank Corp. First Merchants Financial Corporation Caddo Holding Company, Inc. First Delta Corporation Helena Bancshares, Inc. Citizens National Bancshares of Hope, Inc. Lakeside Bancshares, Inc. First Paris Holding Company Metropolitan National Bancshares, Inc. One National Bancshares, Inc. The Union of Arkansas Corp. MNB Bancshares, Inc. Mountain Home Bancshares, Inc. National Banking Corp. First Bancshares of Northeast Arkansas, Inc. First Central Corporation First Sheridan Bancshares, Inc. Financial Investment Corp. Commercial Bancshares, Inc. State First Financial Corp. Carlson Bancshares, Inc. Fidelity Bancorp, Inc. First Bancshares of Eastern Arkansas, Inc. First National Corporation of Wynne   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Ash Flat, Bentonville, Bentonville, Blytheville, Calico Rock, Clinton, Crossett, El Dorado, El Dorado, Forrest City, Fort Smith, Fort Smith, Glenwood, Helena, Helena, Hope, Hughes, Little Rock, Little Rock, Little Rock, Little Rock, Malvern, Mountain Home, North Little Rock, Osceola, Searcy, Sheridan, Springdale, Texarkana, Texarkana, West Memphis, West Memphis, West Memphis, Wynne,  AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR  178   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  A rkansas S ta te Bank D epartm ent  ABBREVIATIONS Chm: VChm: CEO: Pres: EVP: SVP: VP: AVP: BSC: CFO: COO: CSO: DPM: TO: Aud: Cash: Cont: Treas: Sec: Asst: Dpty: EDP: Emt: Mkt: Oper:  Chairman of the Board Vice Chairman Chief Executive Officer President Executive Vice President Senior Vice President Vice President Assistant Vice President Bank Service Coordinator Chief Financial Officer Chief Operating Office Customer Service Officer Data Processing Manager Trust Officer Auditor Cashier Controller Treasurer Secretary Assistant Deputy Electronic Data Processing Emeritus Marketing Operations