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THE FEDERAL RESERVE RANK of ST. LOUIS Research Library SEVEN TY-FIR ST A N N U A L REPORT OF TH E BANK COMMISSIONER OF TH E S TA TE OF ARKANSAS FOR TH E YEAR ENDED JU N E 30, 1985 MARLIN D. JACKSON -gariirCuiimiis^luirer 11 RESEARCH LIBRARY Federal Reserve Bank of St. Louis S TA TE OF ARKANSAS OFFICE OF S TA TE BANK D EPAR TM EN T September 3, 1985 Honorable Bill Clinton Governor of Arkansas Little Rock, Arkansas 72201 Dear Sir: In compliance with the provisions of Act 113 of 1913 (now found in section 67-111, Arkansas Statutes of 1947), I subm itforyourconsideration and information the Seventy-first Annual Report of the State Bank Department for the fiscal year ended June 30, 1985. The financial and statistical information contained in this report has been complied from the Reports of Condition submitted by the state-chartered banks to this office. At June 30,1985, there were 181 state-chartered commercial banks, 2 Trust companies and 3 Industrial Loan Institutions for a total of 186 financial institutions. The assetsof the state bankstotaied $7,614,219,OOOat June 30,1985. Total assets this time last year were $7,232,720,000 — a dollar increase of $381,499,000 or 5.27%. During the past fiscal year four state-chartered banks converted to a national charter. They were: Bank of Ashdown, Ashdown; Citizens Bank, Bentonville; The Merchants and Planters Bank, Camden and First Bank and Trust Company, Mountain Home. Bank of Lockesburg, Lockesburg was ordered closed on May 31, 1985. Dewitt First Bankshares Corporation, Dewitt, Arkansas purchased the bank on the same date and reopened for business on June 3,1985 underthe same name, Bank of Lockesburg. The State Bank Department performed 88 commercial bank examin ations, 18 bank visitations and 17 trust department examinations duringthe 84-85fiscai year. Numerous investigations were initiated as a result of citizens' compiaints or inquiries. Respectfully, MARLIN D. JACKSON Bank Commissioner 3 Seventy-First Annual Report LEGAL HOLIDAYS New Year’s Day....................... Robert E. Lee’s Birthday......... Martin Luther King’s Birthday . George Washington's Birthday Memorial D a y ......................... Independence Day.................. Labor D ay................................ Veteran’s Day........................... Thanksgiving Day.................... Christmas Eve......................... Christmas Day......................... January 1 Third Monday in January Third Monday in January Third Monday in February Last Monday in May July 4 First Monday in September November 11 Fourth Thursday in November December 24 December 25 All Bills of Exchange, Drafts, or Promissory Notes, which shall become payable on a legal holiday shall be payable on the day next succeeding such holiday. In case any legal holiday falls on Sunday, the next succeeding Monday shall be a holiday in its stead. 4 State of Arkansas: Bank Department D EPAR TM EN TAL ROSTER Marlin D. Jackson.................................Bank Commissioner Don R. C lark..........................................Assistant Bank Commissioner RonnyA. Clay........................................Assistant Bank Commissioner Candace A. Franks...............................Department Attorney Gregory M .Stew art...............................Bank Review Administrator Jacqulin J. Dicus.................................. Financial Analyst Janie H. House .................................... Accountant II Dillie J. Hudson.................................... Executive Secretary Patricia L. W allis.................................. Management Support Technician Elosie Williams .................................... Legal Secretary Lisa K. Phillips...................................... Secretary Cynthia L. N ix o n .................................. Secretary Joyce L. Thompson .............................Secretary Sylvia C. H o k e ......................................Secretary AREA SUPERVISORS Larry M. Hillyard W. Keith Melson Luther Guinn TR U S T EXAM INER Cynthia A. White FINANCIAL EXAM INER SUPERVISOR William A. Whitmore William R. Milum H. Wilks Marshall, Jr. Dianna Lefear Stephen L. Bryan Carolyn J. Paschal FINANCIAL EXAM INER II Kirk L. Lee Mark R. Ryan Neal T. Ainley Peter G. Fotioo William 0. Hall Tony L. Singer David W. Dudley FINANCIAL EXAM INER I M. Diane Wright Richard D. Buzbee W. Gene Miller Julian E. Rainey Jay S. Smith FINANCIAL EXAM INER TR A IN EE Michael L. Neal R. Brannon Sloan D. day Sioan Shirley L. Taylor John B. Frazer 5 Seventy-First Annual Report COMMISSIONERS OF TH E S TA TE BANK D EPARTM EN T S TA TE OF ARKANSAS No. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. Name Date of Appointment Date Service Ended John M. Davis ................ October 6, 1913 A. J. R eap....................... October 3, 1918 W.T. Maxwell ..................March 22, 1919 Charles McKee .............. September 1, 1921 Loid Rainwater................ July 28, 1925 Walter E. Taylor.............. February 8, 1927 Marion W asson.............. January 10, 1933 Grover S. Jernigan.........January 12, 1937 Thomas W. Leggett.........January 14, 1941 S. J. D ean..................... February 1, 1949 Ed I. McKinley, J r .........December 1, 1949 A. R. M e rritt..................March 14, 1953 Dick S im pson.............. February 8, 1955 H. C. Adams..................March 3, 1967 Don R. Clark (Acting). . . March, 16, 1979 B. J. Lambert, Jr........... April 19, 1979 Marlin D. Jackson.........April 15, 1983 October 3, 1918 March 22, 1919 September 1, 1921 July 28, 1925 February 8, 1927 January 10, 1933 January 12, 1937 January 14, 1941 February 1, 1949 December 31, 1949 March 14, 1953 February 8, 1955 March 2, 1967 March 16, 1979 April 19, 1979 April 15, 1983 6 State of Arkansas: Bank Department The following is a statement showing the receipts and disburse ments of the State Bank Department from July 1, 1984 through June 30, 1985. RECEIPTS Cash Balance June 30, 1984.............. Examination and Assessment Fees ... Charter and Amendment F e e s........... Teller’s Facility Application and ail Protest F ees......................... Miscellaneous Fees............................. Reimbursement for M&R Sales........... Warrant Cancellations (Old Year)....... Refund to Expenditures (Oid Year) ... $ 749,375.53 1,895,825.79 10,005.54 6 , 000.00 1.222.93 9,043.50 1.674.93 413.60 1,924,186.29 $2,673,651.82 DISBURSEM ENTS Salaries........................................... ....................... Maintanance and General Operations .................................. S.S., Retirement and Insurance Matching.................... Professional Services and Fees__ Conference Fees and Travel ......... Capital Outlay ................................ Service Charge by State Treasurer. Transfer to State Agency................ Cash Balance June 30, 1985......... 739,970.03 330,578.82 161,876.59 25,140.16 61,537.92 73,798.77 28,677.48 197.00 1,421,776.77 1,251,785.05 $2,673,561.82 Seventy-First Annual Report 7 ARKANSAS BANKERS ASSOCIATION 221 W. Second Street Suite 1027 Little Rock, Arkansas 72201 Phone: (501) 376-3741 President .............................................................B. Gene Staton, President DeWitt Bank and Trust Company, DeWitt First Vice President............................................. Wiiiiam H. Handy, President The First National Bank of Ei Dorado, El Dorado Second Vice President........................................ Wayne Hartsfield, President First National Bank, Searcy T re a su re r.............................................................Beverly J. Lambert III, President The Merchants National Bank, Fort Smith To 1986 ...............................................................Larry Kinard, President Citizens Bank, Booneviiie Sloan Rainwater, Chairman and President, Bank of Northeast Arkansas, Jonesboro James C. Rieff, President Farmers & Merchants Bank, Prairie Grove To 1987 ...............................................................Ray L. Cash, President Arkansas Bank and Trust Company, Hot Springs Howell N. Davis, Chairman, Simmons First National Bank, Pine Bluff Howard M. Qualls, President, The State First National Bank, Texarkana J C Stuckey, Chairman and President, Bank of Trumann, Trumann To 1988 ...............................................................Curtis Hutchins, Chairman and President, Fordyce Bank & Trust Company, Fordyce C. W. Kelly, President Citizens National Bank, Hope Past Presidents....................................................John M. Lewis, Worthen Banking Corporation, Little Rock William H. Brandon, President, First National Bank of Phillips County, Helena Members at Large Ex-Officio Mem bers.............................................Harold E. Henson, Jr., Chairman The City National Bank, Fort Smith Ronald R. Tullos, Chairman and President, National Bank of Arkansas, North Little Rock H. C. Carvill, The Arkansas Bankers Executive Director Association, Little Rock 8 State of Arkansas: Bank Department ARKANSAS BANKERS ASSOCIATION (continued) YO U N G BANKER SECTIO N OFFICERS President...............................................Paul Nipper, Assistant Vice President Bodcaw Bank, Stamps Sr. Vice President................................ Robert D. Huff, Installment Loan Officer First National Bank of Phillips County, Helena Vice President......................................Thelma Gail McCormack, Assistant Vice President The Merchants National Bank, Fort Smith Secretary...............................................Vicki Thayer, Marketing Officer First National Bank, Hot Springs Treasurer ............................................. Jim D. Green, Assistant Vice President The Farmers and Merchants Bank, Stuttgart AIB Coordinator....................................Carolyn Barnett, Assistant Vice President First National Bank, Batesville COM PTROLLER OF TH E CURRENCY Southwestern District 1201 Elm Street, Suite 3800 Dallas, Texas 75270 Telephone Number 767-4400 Area Code 214 Deputy C om ptroller.............................Clifton A. Poole, Jr. strict A dm inistrator......................... John A. Bodnar rector for Adminiftfaiiun . :t v . - -Stephen Ri Stein brink rector for Analysi;,RESEARCH •L-f&RteRV<,rrow c rn rector for Bank Sii l0aV R6£erviri strict Counsel. -Patrick Paiise of St. Louis Seventy-First Annual Report FEDERAL RESERVE BANK OF ST. LOUIS, MISSOURI DISTRICT NO. 8 Telephone Number 444-8444 Area Code 314 President.................................. First Vice President ................ Senior Vice President.............. Senior Vice President, General Counsel & Secretary............. Senior Vice President.............. Senior Vice President.............. Vice President......................... Vice President......................... Vice President, Deputy Counsel & Assistant Secretary.............. Vice President......................... Vice President......................... Vice President......................... Vice President & Controller ... Vice President........................... Vice President........................... Vice President........................... Vice President........................... General Auditor......................... Thomas C. Melzer Joseph P. Garbarini A. B. Balbach F. Garland Russell, Jr. Harold B. Uthoff Ben C. Wade Ruth A. Bryant Albert E. Burger Joan P. Cronin Charles R. Halbrook James R. Kennedy Michael T. Moriarty Martha L. Perine William J. Sneed Patricia A. Tarbutton Robert W. Thomas Randall C. Summer Richard E. Kay LITTLE ROCK, BRANCH FEDERAL RESERVE BANK OF ST, LOUIS, MISSOURI Telephone Number 372-5451 Area Code 501 Vice President and M anager.............. John F. Breen Assistant Vice President..................... David T. Rennie MEMPHIS BRANCH FEDERAL RESERVE BANK OF ST. LOUIS, MISSOURI Telephone Number 523-7171 Area Code 901 Vice President and Manager Assistant Vice President__ Paul I. Black, Jr. A. C. Cremerius, Jr. 9 10 State of Arkansas: Bank Department FEDERAL DEPOSIT INSURANCE CORPORATION MEMPHIS REGIONAL One Commerce Square, Suite 1800 Memphis, Tennessee 38103 Telephone Number 521-3872 Area Code 901 Regional D ire cto r.................................James E. Halvorson Assistant Regional D ire cto r................ Raymond M. Glass, Jr. Assistant Regional D ire cto r................ James F. Benner EXAM INERS FOR ARKANSAS * Jerry D. Pickinpaugh.......................... Little Rock Billy W. Carroll....................................Little Rock Jack P. Court, Jr.................................. Little Rock Jerry L. Duncan.................................. Little Rock James S. Henley................................ Little Rock Karl F. Kauffman................................ Little Rock Dwight D. McKee................................ Little Rock Harvey L. Melton................................ Little Rock John W. Robertson, Jr........................ Little Rock Arthur R. Sansom.............................. Little Rock *RonnyG. Parham .............................. Memphis David L. Bowen................................... Memphis DeVaughn Colvin................................. Memphis James A. Colvin................................... Memphis Billy F. Couch.......................................Memphis Etheridge B. Hampton, Jr....................Memphis Arthur B. M onroe.............................. Memphis Robert A. Nantz..................................Memphis Timothy P. Neeck.............................. Memphis Richard W. Riley..................................Memphis James R. Sliger.....................................Memphis Lewis E. S m ith..................................... Memphis Richard E. Thorpe................................Memphis *Don R. Turner.....................................Shreveport Moka C a udle.......................................Shreveport Larry W. F la tt.......................................Shreveport Nelma E. Honeycutt............................ Shreveport Charles W. Kim sey..............................Shreveport Luther S. Litchfield, Jr......................... Shreveport Charles C. S m ith................................. Shreveport Kenneth G. Smith, Jr............................Shreveport *Field Office Supervisor Seventy-First Annual Report 11 N A TIO N A L BANKS IN ARKANSAS Name Location County First National Bank Bank of Ashdown, N. A. The First National Bank First National Bank of Sharp County First National Bank First National Bank The First National Bank The First National Bank First National Bank First National Bank First National Bank The First National Bank First National Bank The First National Bank The First National Bank First National Bank The First National Bank National Bank of Commerce The First National Bank Northwest National Bank The First National Bank First National Bank of Eastern Arkansas The City National Bank The First National Bank The Merchants National Bank Caddo First National Bank The First National Bank The First National Bank The First National Bank First National Bank of Phillips County Helena National Bank The Citizens National Bank The First National Bank First National Bank Grand National Bank The Planters National Bank The First National Bank Citizens National Bank The First National Bank First American Bank Altheimer Ashdown Ashdown Ash Flat Batesville Bentonville Berryville Blytheville Brinkley Camden Clinton Conway Crossett DeQueen DeWitt Dierks El Dorado El Dorado Fayetteville Fayetteville Fordyce Jefferson Little River Little River Sharp Independence Benton Carroll Mississippi Monroe Ouachita Van Buren Faulkner Ashley Sevier Arkansas Howard Union Union Washington Washington Dallas Forrest City Fort Smith Fort Smith Fort Smith Glenwood Green Forest Gurdon Harrison Helena Helena Hope Hope Hot Springs Hot Springs Hughes Huntsville Jacksonville Lewisville Little Rock St. Francis Sebastian Sebastian Sebastian Pike Carroll Clark Boone Phillips Phillips Hempstead Hempstead Garland Garland St. Francis Madison Pulaski Lafayette Pulaski 12 State of Arkansas: First Commercial Bank, N.A. Metropolitan National Bank Union National Bank Worthen Bank & Trust Co., N. A. First National Bank The Malvern National Bank First National Bank The First National Bank First National Bank Citizen National Bank The First National Bank First American National Bank National Bank of Arkansas First National Bank First National Bank The First National Bank National Bank of Commerce Pine Bluff National Bank Simmons First National Bank First National Bank of Cleburne County First National Bank First National Bank First National Bank First National Bank First National Bank The First National Bank First National Bank Commercial National Bank The State First National Bank First National Bank of Poinsett County Jackson County National Bank Citizens National Bank The First National Bank of Lawrence Co. Fidelity National Bank First National Bank The First National Bank Bank Department Little Rock Little Rock Little Rock Little Rock Magnolia Malvern Marianna McGehee Mena Nashville Nashville No. Little Rock No. Little Rock Osceola Paragould Paris Pine Bluff Pine Bluff Pine Bluff Pulaski Pulaski Pulaski Pulaski Columbia Hot Springs Lee Desha Polk Howard Howard Pulaski Pulaski Mississippi Greene Logan Jefferson Jefferson Jefferson Quitman Rogers Russellville Searcy Sheridan Si loam Springs Springdale Stuttgart Texarkana Texarkana Cleburne Benton Pope White Grant Trumann Tuckerman Walnut Ridge Poinsett Jackson Lawrence Walnut Ridge West Memphis West Memphis Wynne Lawrence Crittenden Crittenden Cross Benton Washington Arkansas Miller Miller Seventy-First Annual Report MEMBERS OF FEDERAL RESERVE SYSTEM Name of Bank & Location Date of Admission The Citizens Bank Batesville April 15, 1953 Farmers Bank & Trust Company Blytheville August 23, 1918 Arkansas Bank & Trust Company Hot Springs September 25, 1942 Peoples Bank & Loan Company Lewisville July 26, 1945 First State Bank Beebe January 1, 1985 TR U S T COMPANIES AND O TH ER IN S TITU TIO N S N O T ENGAGED IN COMMERCIAL BANKING, N O T MEMBERS OF FEDERAL DEPOSIT INSURANCE CORPORATION TR U S T COMPANIES Name Location Jones Investment & Trust Co. Metroplitan Trust Company Little Rock North Little Rock INDU STRIAL LOAN IN S TITU TIO N S , A C T 111 Name Location Southern Credit Corporation Hallmark Loan & Investment Corporation National Credit Corporation Malvern North Little Rock Pine Bluff 13 14 State of Arkansas: Bank Department AM ENDM ENTS CHANGING PAR VALU E AND O TH ER CHANGES July 1, 1984 to June 30,1985 1. Commercial Bank at Alma, Alma, authorized a proposal to amend Article Fourth to read as follows: “ The general natural of the business proposed to be transacted by this Corporation is general banking business, buying and selling real estate, livestock and other personal property, writing mortgages on both real estate and personal property and the transaction of the business of insurance.” 2. The Farmers & Merchants Bank, Des Arc, authorized a proposal to amend Article Third Paragraph II to read asfollows: "No person shall be eligible for membership on the board of directors unless such person owns in his own individual name, and not jointly, stock of this bank (fully paid and not hypothecated) of an aggregate par value of not less than $500.00 and must not have obtained the age of sixty-five years prior to his date of election for the forthcoming term. That the acting members, as of the first day of December, 1984, shall not be bound by the age limitations set out herein.” 3. Citizens Bank &Trust Company, Flippin, authorized the transaction of the business of insurance. 4. The Security Bank, Harrison, authorized a proposal to amend Article Seventh to read as follows: “ No person shall be eligible to serve as a director of any bank organized or existing under the laws of this state, unless he shall be a bona fide owner of stock of such bank or its holding company,fully paid upand not hypothecated ofthe parvalueof $500.00 or more.” 5. Peoples Bank, Mammoth Spring, authorized a proposal to amend Article Sixth to read as follows: “The nature of the banking business proposed to be transacted by this Corporation is General Commercial Banking, the receiving of saving deposits and the establishing of an Insurance Agency for the selling of all types of insurance.” 6. First State Bank, Morrilton, authorized a proposal to amend Article Tenth to read as follows: “Any person, his heirs, executors, or admini strators, may be indemnified or reimbursed by the Bankfor reasonable expenses actually incurred in connection with any action, suit, or proceeding, civil or criminal, to which he or they shall be made a party by reason of his being or having been a director, officer, or employee of the Bankorof anyfirm, corporation, ororganization which he served in any such capacity at the request of the Bank; provided, however, that no person shall be so indemnified or reimbursed in relation to any matter in such action, suit, or proceeding as to which he shall finally be adjudged to have been guilty of or liable for gross negligence, willful Seventy-First Annual Report 15 misconduct or criminal acts in the performance of his duties to the Bank; and, provided further, that no person shall be so indemnified or reimbursed in relation to any matter in such action, suit, or proceeding which has been made the subject of a compromise settlement except with the approval of a court of competent jurisdiction, or the holders of record of a majority of the outstanding voting shares of the bank, or the Board of Directors, acting by vote of Directors not parties to the same or substantially the same action, suit, or proceeding, constituting a majority of the whole number of Directors. The foregoing right of indemnification or reimbursement shall not be exclusive of other rights to which such person, his heirs, executors, or administrators, may be entitled as a matter of law.” AM ENDM ENTS ALTERIN G C APITAL S TR U C TU R E July 1, 1984 to June 30, 1985 1. First State Bank, Crossett, increased Capital from $400,000 to $1,000,000 through the issuance and sale of additional shares. 2. Arkansas Valley Bank, Dardanelle, increased Capital from $607,110 to $783,290 through sale of new shares. 3. The Farmers & Merchants Bank, Des Arc, increased Capital from $716,500 to $788,190 through a stock dividend. 4. First State Bank of De Queen, De Queen, increased Capital from $300,000 to $600,000 through sale of new shares. 5. Heber Spring State Bank, Heber Springs, increased Capital from $600,000 to $2,100,000 through the issuance of new shares. 6. The Bank of North Arkansas, Melbourne, increased Capital from $500,000 to $2,500,000 through the issuance and sale of addi tional shares. 7. First State Bank, Plainview, increased Capital from $200,000 to $500,000 through saie of new shares. 16 State of Arkansas: Bank Department AM ENDM ENTS CHANG ING NUM BER OF DIRECTORS July 1, 1984 to June 30, 1985 1. Bank of Malvern, Malvern, from not less than 7 but no more than 12. 2. The Farmers & Merchants Bank, Des Arc, from not less then 5 but no more than 13. AM ENDM ENTS ADOPTING TR U S T POWERS July 1F 1984 to June 30, 1985 1. The Bank Augusta, Augusta 2. First State Bank, Sherwood AM ENDM ENTS C HAN G IN G CORPORATE NAME July 1, 1984 to June 30, 1985 1. First Bank & Trust, Jonesboro authorized a change in its corporate name to be known as “Simmons First Bank of Jonesboro.” 2. First State Bank & Trust Company, Lake Village, authorized a change in its corporate name to be known as “Simmons First Bank of Lake Village.” Seventy-First Annual Report 17 PERCENTAGE OF TO TA L CAPITAL TO TO TA L ASSETS The average percentage of total equity capital to total assets of the 181 Arkansas State Banks as of June 30, 1985 is 9.07%. The following is a list of the commercial banks showing their individual percentages. Percentage Name Location Commercial Bank at Alma Bank of Amity Citizens First State Bank Elk Horn Bank & Trust Company Merchants & Planters Bank & Trust Co. Bank of Atkins The Bank of Augusta Citizens State Bank The Citizens Bank Bank of Bearden Citizens Bank First State Bank Benton State Bank The Union Bank of Benton Bank of Bentonvilie Bank of Blevins Farmers Bank & Trust Company Citizens Bank The Bank of Bradley Bank of Brinkley Bank of Cabot First State Bank Caraway Bank Citizens Bank & Trust Bank of Cave City American State Bank Bank of Cherry Valley The Merchants & Planters Bank Arkansas State Bank Farmers Bank & Trust Company Clinton State Bank First State Bank and Trust Company The Corning Bank First State Bank Danville State Bank Alma Amity Arkadelphia Arkadelphia 9.59 13.94 8.32 10.29 Arkadelphia Atkins Augusta Bald Knob Batesville Bearden Beebe Beebe Benton Benton Bentonvilie Blevins Biytheville Booneville Bradley Brinkley Cabot Calico Rock Caraway Carlisle Cave City Charleston Cherry Valley Clarendon Clarksville Clarksville Clinton Conway Corning Crossett Danville 8.66 10.56 13.01 9.67 7.28 11.72 10.73 9.38 8.71 9.25 7.56 9.04 9.19 8.48 9.42 9.21 7.85 12.67 9.59 9.12 8.89 11.65 9.43 8.25 8.96 7.07 6.50 7.27 7.15 8.31 9.08 18 State of Arkansas: Bank Department Name Location Arkansas Valley Bank Bank of Dardaneile Decatur State Bank Bank of Delight First State Bank of DeQueen Dermott State Bank First State Bank of Dermott Farmers & Merchants Bank DeWitt Bank and Trust Company Bank of Dover Dumas State Bank Merchants and Farmers Bank Earle State Bank The Delta State Bank The Exchange Bank and Trust Co. Bank of Elkins Bank of England The Citizens Bank The Eudora Bank Bank of Eureka Springs Bank of Evening Shade Mcllroy Bank & Trust Citizens Bank and Trust Company Fordyce Bank & Trust Co. Planters Bank & Trust Company Planters & Merchants Bank The Bank of Glenwood First State Bank Bank of Gravett Farmers Bank The First Bank Clark County Bank Farmers Bank Calhoun County Bank The Bank of Harrisburg The Security Bank Hazen First State Bank The Cleburne County Bank Heber Springs State Bank Bank of Holly Grove Horatio State Bank Arkansas Bank and Trust Company Dardaneile Dardaneile Decatur Delight DeQueen Dermott Dermott Des Arc DeWitt Dover Dumas Dumas Earle Elaine El Dorado Elkins England England Eudora Eureka Springs Evening Shade Fayetteville Flippin Fordyce Forrest City Gillett Glenwood Gould Gravette Greenwood Griffithville Gurdon Hamburg Hampton Harrisburg Harrison Hazen Heber Springs Heber Springs Holly Grove Horatio Hot Springs Percentage 9.00 8.67 12.27 10.09 7.44 12.92 9.01 21.39 15.57 9.97 10.45 12.20 14.88 40.08 7.76 8.65 14.04 16.46 13.13 11.80 9.78 7.59 8.15 11.31 9.23 11.00 8.46 13.79 11.42 10.83 10.52 4.60 7.21 12.30 7.77 7.53 9.91 7.45 6.47 14.01 7.97 6.43 Seventy-First Annual Report Name Location Bank of Imboden First Jacksonville Bank Newton County Bank Bank of Northeast Arkansas Citizens Bank of Jonesboro Simmons First Bank of Jonesboro Mercantile Bank Farmers & Merchants Bank Union State Bank Bank of Kensett Pine State Bank Madison Bank and Trust Bank of Lake Village Simmons First Bank of Lake Village Citizens Bank of Lavaca Leachville State Bank Little River Bank Leslie State Bank Peoples Bank and Loan Company Bank of Lincoln Pulaski Bank and Trust Company The Bank of Lockesburg First State Bank Farmers Bank & Trust Company Bank of Malvern Peoples Bank Imboden Jacksonville Jasper Jonesboro Jonesboro Jonesboro Jonesboro Judsonia Juction City Kensett Kingsland Kingston Lake Village Lake Village Lavaca Leachville Lepanto Leslie Lewisville Lincoln Little Rock Lockesburg Lonoke Magnolia Malvern Mammoth Spring Manila Mansfield Marianna Marion Marked Tree Marshall Marvell McCrory McGehee Melbourne Mena Monette Monticello Monticello Morrilton The Merchants & Planters Bank Bank of Mansfield Farmers and Merchants Bank Citizens Bank Marked Tree Bank The Citizens Bank Bank of Marvell Bank of McCrory McGehee Bank The Bank of North Arkansas The Union Bank of Mena Monette State Bank Commercial Bank & Trust Company Union Bank & Trust Company The First State Bank 19 Percentage 8.22 9.54 8.98 8.46 7.13 8.53 7.15 12.97 8.86 26.18 7.49 7.29 13.05 8.88 10.83 18.59 16.82 6.89 8.85 8.48 6.11 6.03 12.17 9.52 11.36 6.87 14.97 9.02 12.42 12.39 10.88 9.21 13.04 10.49 9.87 7.58 13.60 9.55 9.63 6.98 12.21 20 State of Arkansas: Bank Department Name Location Peoples Bank and Trust Company Bank of Mountain View The Bank of Montgomery County Bank of Mulberry Pike County Bank Bank of Newark First State Bank of Newport Merchants & Planters Bank The Twin City Bank Mountain Home Mountain View Mount Ida Mulberry Murfreesboro Newark Newport Newport North Little Rock Osceola Ozark Paragould Parkdale Parkin Pea Ridge Perryville Piggott Plainview Pocahontas Pocahontas Portia Portland Portland Prairie Grove Prescott Rector Reyno Rison Rogers Russellville Salem Scranton Searcy Sheridan Sherwood Sidney Si loam Springs Smackover Sparkman Springdale The Planters Bank Bank of Ozark Security Bank Bank of Pardale First State Bank Bank of Pea Ridge The Perry County Bank Piggott State Bank First State Bank Bank of Pocahontas Planters and Stockmen Bank The Lawrence County Bank The Peoples Bank Portland Bank The Farmers and Merchants Bank Bank of Prescott The Bank of Rector Farmers and Merchants Bank The Bank of Rison Farmers and Merchants Bank Peoples Bank and Trust Company Bank of Salem Logan County Bank First Security Bank Grant County Bank First State Bank Bank of Sidney Arkansas State Bank Smackover State Bank Merchant & Planters Bank First State Bank Percentage 9.79 14.60 9.35 9.62 7.28 6.30 8.07 9.54 7.25 8.87 8.93 7.37 7.46 13.01 8.22 10.88 8.47 7.52 10.22 11.11 8.64 9.56 12.19 9.56 9.35 12.67 9.26 13.82 7.24 6.95 8.45 10.18 9.78 10.04 8.26 16.44 7.18 11.07 8.12 6.89 Seventy-First Annual Report Name Location Bodcaw Bank Bank of Star City The Stephens Security Bank Citizens Bank The Farmers & Merchants Bank Bank of Trumann Bank of Tuckerman Tyronza Bank Citizens Bank & Trust Co. Peoples Bank & Trust Company Bank of Waldo The Peoples Bank Bank of Waldron The Scott County Bank First State Bank of Warren Warren Bank and Trust Co. Bank of Weiner Merchants and Farmers Bank Bank of West Memphis Wilmot State Bank Bank of Wilson Cross County Bank Stamps Star City Stephens Strong Stuttgart Trumann Tuckerman Tyronza Van Buren Van Buren Waldo Waldo Waldron Waldron Warren Warren Weiner West Helena West Memphis Wilmot Wilson Wynne Yellville T h e B a n k o f Y e llv ille 21 Percentage 8.89 8.13 8.21 21.09 9.29 10.43 14.15 14.74 8.72 8.90 6.33 14.46 11.37 8.69 9.30 9.38 12.49 6.86 11.08 13.36 16.42 9.15 7.24 22 State of Arkansas: Bank Department S TA TE BANK DEPARTM ENT, S TA TE OF ARKANSAS C ONSO LID ATED REPORT OF C O N D ITIO N OF T H E 181 COM M ERC IALB AN KSIN ARKANSAS A S O F JU N E 3 0 ,1985 ASSETS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and c o in .......................................................... b. Interest-bearing balances.................................................... Securities ..................................................................................... Federal funds sold and securities purchased under agreement to resell........................................................... Loans and lease financing receivables: a. Loans and lease, net of unearnedincom e............................. b. LESS: Allowance for loan and losses................................. c. LESS: Allocated transfer risk reserve................................ d. Loans and iease, net of unearned income allowance, and reserve............................................................................ Assets held in trading accounts ................................................. Premises and Fixed Assets (including capitalized ie a se )............................................................................................ Other real estate owned............................................................... Investments in unconsolidated subsidiaries and associated com panies................................................................. Customers’ liability to this bank on acceptances outstanding................................................................................... Intangible assets.......................................................................... Other assets................................................................................. Total assets ................................................................................. $ 361,179 422,178 2,284,012 267,003 $3,996,490 44,614 ...... 3,951,876 3,393 122,762 29,017 691 1,203 2,364 168,541 $7,614,219 LIABILITIES 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits: a. In domestic offices ............................................................... $ 960,712 (1) Noninterest-bearing..................... (2) Interest-bearing ........................... 5,780,373 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs .......................................................... (1) Noninterest-bearing...................................................... (2) Interest-bearing ........................................................... Federal funds purchased and securities soid under agreements to repurchase........................................ Demand notes issued to the U.S. Treasury............................... Other borrowed m o n e y............................................................... Mortgage indebtedness and obligations under capitalized leases........................................................................ Bank’s liability on acceptances executedand outstanding . . . . Notes and debentures subordinated todeposits....................... Other liabilities ........................................................................... Total liabilities............................................................................. Limited-life preferred s to c k ........................................................ $6,741,085 0 0 0 84,348 4,508 15,985 4,158 1,202 19,615 93,259 6,964,160 0 EQ U ITY CAPITAL 23. 24. 25. 26. 27. 28. 29. Perpetual preferred stock........................................................... Common stock ............................................................................ Surplus ........................................................................................ Undivided profits and capital reserves...................................... Cumulative foreign currency translationadjustm ent................ Total equity capital...................................................................... Total liabilities, limited-life preferred stock, and equity c a p ita l........................................................................ 9,950 94,990 237,308 307,811 0 650,059 $7,614,219 Seventy-First Annual Report SEVEN TY-FIR ST A N N U A L REPORT Showing TH E CO N D ITIO N OF TH E 181 ARKANSAS S TATE-C H ARTER ED BANKS ASSETS AN D LIABILITIES ARE AS SHOW N BY TH E CALL OF JU N E 30,1985 Banks are listed according to an alphabetical arrangement of cities and towns where located. 23 C o m m e r c ia l Bank C it iz e n s E lk H o r n M e rch a n ts Bank at F ir s t Bank & & of A lm a of A m ity S ta te B a n k T ru s t C o. P la n t e r s A t k in s A lm a A m ity ASSETS (In Thousands) 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits.................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury............................................................... Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases................... Bank's liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to d e p o sits.............................................. Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................. 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k .................................................................................... Common stock...................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves............................................................... Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 23-27) ......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. $ 2,294 $ 2,389 $i 5,158$ 6,540 $ 4,439 3,754 16,937 10,385 7,921 19,197 550 700 2,525 600 2,900 13,117 8,405 23,971 18,565 15,603 0 0 0 0 0 408 770 203 576 372 0 163 25 29 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 561 887 868 635 488 27,092 33,631 34,723 44,543 31,946 $ 621 ,940 51 0 6,,622 0 43 0 0 0 0 438 13 ,664 LIABILITIES $ 24,388 $ 28,584 $ 31,614 $ 39,690 $ 28,868 $ 12,119 0 0 0 0 0 0 0 0 0 70 0 0 0 0 0 0 0 0 23 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 127 337 338 212 428 408 $ 24.600 $ 29,012 $ 31,951 $ 40,168 $ 29,206 $ 12,269 0 0 0 0 0 0 EQUITY CAPITAL 0 0 $ 0$ 0$ 0 $ 0$ 125 120 300 600 200 100 925 1,330 1,500 1,000 1,400 800 345 1,290 1,492 3,019 1,472 2,375 0 0 0 0 0 0 $ 2,492 $ 4,619 $ 2,772 $ 4,375 $ 2,740 $ 1,395 $ $ 27,092 $ 33,631 $ 34,723 $ 44,543 $ 31,946 $ 13,664 Bank D epartm ent Cash and balances due from depositories......................................................... Securities................................................................................................................ Federal funds sold and securities purchased under agreements to resell....... Net loans and leases.............................................................................................. Assets held in trading accounts............................................................................ Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers’ liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other assets........................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... A t k in s State of Arkansas: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. A r k a d e lp h ia A r k a d e lp h ia A r k a d e lp h ia Bank ASSETS (In Thousands) 1. C it iz e n s T h e C it iz e n s Bank of C it iz e n s A u g u s ta S ta te B a n k Bank B e a rd e n B ank Bank A u g u s ta B a ld K n o b B a t e s v ill e B e a rd e n Beebe B eebe F i r s t S ta te $ 3,707 $ 2,499 $ 5,206 $ 3,037 $ 1,099 $ 2,245 13,250 5,267 28,558 5,083 6,048 1,412 0 2,075 1,800 2,325 660 0 12,056 8,989 55,480 6,161 17,444 12,934 0 0 0 0 0 0 267 663 1,920 144 425 768 8 189 0 0 3 339 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 683 735 352 2,078 210 555 715 $ 30,023 $ 20,034 $ 95,042 $ 16,960 $ 26,234 $ 19,096 LIABILITIES 13. 14. 15. 16. 17. 18. 19. 20 . 21 . 22. Deposits................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury.............................................................. Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations undercapitalized leases.................... Bank's liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to deposits.............................................. Other liabilities............................................................................................... TOTAL LIABILITIES........................................................................................ Li mi ted-life preferred s to c k ................................................................................ $25,124 $ 18,073 $85,762 $ 14,860 $23,331 $ 13,738 600 0 1,875 0 0 0 0 0 0 0 0 0 0 0 45 0 0 2,618 0 0 0 0 0 23 0 0 0 0 0 0 0 0 400 0 0 0 440 317 573 137 275 925 $26,164 $ 18,390 $88,655 $ 14,997 $ 23,606 $ 17,304 0 0 0 0 0 0 Seventy-First A nnual Report Cash and balances due from depositories......................................................... Securities............................................................................................................... Federal funds sold and securities purchased under agreements to resell....... Net loans and leases............................................................................................. Assets held in trading accounts........................................................................... 6 . Premises and fixed assets (including capitalized leases).................................. 7. Other real estate ow ned........................................................................................ 8 . Investments in unconsolidated subsidiaries and associated companies......... 9. Customers’ liability to the bank on acceptances outstanding........................... 10. Intangible assets................................................................................................... 11 . Other assets.......................................................................................................... 12. TOTAL ASSETS (1 through 1 1 ) .................................................................... 2. 3. 4. 5. The Bank o f EQUITY CAPITAL 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k .................................................................................... Common stock...................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves.............................................................. Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 23-27) ......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. $ 0 $ 0 $ 0 $ 0$ 0$ 0 200 100 1,400 202 200 500 800 700 1,000 1,118 600 500 844 2,859 3,987 643 1,828 792 0 0 0 0 0 0 1,644 3,859 6,387 2,628 1,963 1,792 $ 30,023 $ 20,034 $ 95,042 $ 16.960 $ 26,234 $ 19,096 r\3 cn ASSETS (In Thousands) 1. T h e U n io n Bank Bank F a rm e rs C it iz e n s S ta te Bank of of of Bank & B ank Bank B e n to n B e n t o n v ille B le v in s T ru s t Co. B e n to n B e n to n B e n t o n v ille B le v in s B ly t h e v ille B o o n e v ille Cash and balances due from depositories......................................................... .$ 5,344 $ 14,267 $ 8,764 $ 2,085 $ 13,220 $ 14,013 9,741 2,797 32,996 42,723 Securities................................................................................................................. 65,162 17,010 600 1,700 0 0 200 14,225 Federal funds sold and securities purchased under agreements to resell....... 90,456 3,079 20,939 33,567 Net loans and leases............................................................................................... 36,844 30,229 0 0 0 0 0 0 Assets held in trading accounts........................................................................... 1,011 431 1,526 1,390 1,899 13 Premises and fixed assets (including capitalized leases).................................. 585 184 0 19 362 0 Other real estate owned........................................................................................ 0 0 0 0 0 0 Investments in unconsolidated subsidiaries and associated companies......... 0 0 0 0 0 0 Customers’ liability to the bank on acceptances outstanding.......................... 0 0 0 0 0 0 Intangible assets................................................................................................... 1,422 2,577 1,060 3,352 136 1,431 Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................. $113,172 $64,140 $147,556 $ 8,310 $83,822 $ 60,359 LIABILITIES 20 . 21 . 22 . Deposits................................................................................................................ .$ 102,017 $ 57,071 $ 128,759 $ 7,493 $75,162 $54,818 0 0 0 575 6,850 0 Federal funds purchased and securities sold under agreements to repurchase 0 0 313 0 0 0 Demand notes issued to U.S. Treasury............................................................. 0 0 0 58 0 0 Other borrowed m o n e y ...................................................................................... 0 0 0 0 0 0 Mortgage indebtedness and obligations under capitalized leases.................. 0 0 0 0 0 0 Bank's liability on acceptances executed and outstanding............................ 0 0 0 0 0 563 Notes and debentures subordinated to d e p o sits............................................. 643 657 1,247 69 1.305 1,343 Other liabilities..................................................................................................... TOTAL LIABILITIES...................................................................................... $ 103,673 $ 58,866 $ 136,914 $ 7,562 $76,467 $55,461 0 0 0 0 0 0 Limited-life preferred s to c k ............................................................................... EQUITY CAPITAL 23. 24. 25. 26. 27. 28. 29. 0 0$ 0 $ 0 $ 0 $ 0 $ Perpetual preferred sto c k ................................................................................... .$ 1,000 1,320 729 980 101 1,000 Common stock...................................................................................................... 857 1,000 825 5,270 150 2,750 Surplus................................................................................................................... 7,354 2,898 3,688 4,392 497 3,605 Undivided profits and capital reserves.............................................................. 0 0 0 0 0 0 Cumulative foreign currency translation adjustm ents.................................... 4,898 9,499 5,274 10,642 748 7,355 TOTAL EQUITY CAPITAL (sum of items 23-27) ......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL................................................................................. $113,172 $ 64,140 $ 147,556 $ 8,310 $ 83,822 $ 60,359 Bank D epartm ent 13. 14. 15. 16. 17. 18. 19. rv> cn State of Arkansas: 2. 3. 4. 5. 6. 7. 8. 9. 10 . 11 . 12. B e n to n Th e Bank Bank of Bank of F ir s t C a ra w a y C it i z e n s o f B r a d le y B r in k le y Cabot S ta te Bank Bank & C a ra w a y C a r li s le Bank ASSETS (In Thousands) B r a d le y B r in k le y Cabot C a l ic o R o c k Tru st Cash and balances due from depositories......................................................... $ 1.364 $ 5,907 $ 5,392 $ 626 $ 644 $ 2,357 Securities............................................................................................................... 2,826 19,241 19,367 10,008 2,282 17,211 0 0 Federal funds sold and securities purchased under agreements to resell....... 1,100 2,300 600 0 Net loans and leases............................................................................................. 6,281 20,765 36,713 10,899 5,298 23,381 Assets held in trading accounts........................................................................... 0 0 0 0 0 0 421 461 Premises and fixed assets (including capitalized leases).................................. 753 285 46 421 Other real estate owned........................................................................................ 59 0 175 155 12 78 0 0 Investments in unconsolidated subsidiaries and associated companies......... 0 0 0 0 0 Customers’ liability to the bank on acceptances outstanding........................... 0 0 0 0 0 Intangible assets................................................................................................... 0 0 0 0 0 0 Other assets.......................................................................................................... 1,227 279 1,283 476 284 1,245 TOTAL ASSETS (1 through 1 1 ) .................................................................... $ 11,230 $ 47,601 $64,783 $ 24,749 $ 9,166 $44,693 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury.............................. ............................... Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases.................... Bank's liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to deposits.............................................. Other liabilities...................................................................................................... TOTAL LIABILITIES....................................................................................... Limited-life preferred s to c k ................................................................................ 23. 24. 25. 26. 27. 28. 29. Perpetual preferred sto c k .................................................................................... Common stock...................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves.............................................................. Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 23-27) ......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. LIABILITIES $ 10,135 $ 42,876 $ 59,029 $ 21,506 $ 8,240 $ 39,286 0 0 0 0 0 650 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 300 0 0 0 111 511 788 94 229 881 $ 10,246 $43,387 $60,117 $21,735 $ 8,334 $40,817 0 0 0 0 0 0 EQUITY CAPITAL $ 0$ 0$ 0$ 0 $ 100 600 625 250 650 2,000 1,575 750 234 1,614 2,466 2,014 0 0 0 0 984 4,214 3,014 4,666 0 $ 0 252 975 100 1,025 480 1,876 0 0 832 3,876 $ 11,230 $47,601 $ 64,783 $ 24,749 $ 9,166 $44,693 Seventy-First A nnual Report 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. C h e rry M e rch a n ts V a lle y P la n t e r s T ru s t Bank Com pany C h e rry 23. 24. 25. 26. 27. 28. 29. Perpetual preferred sto c k .................................................................................... Common stock...................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves.............................................................. Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 23-27) ........................................ TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. $ 1,491 $ 4,018 $ 6,072 10,856 500 1,020 10,324 12,586 0 0 708 108 42 99 0 0 0 0 0 0 467 714 $ 19,004 $ 30,001 $ V a lle y C la r e n d o n Bank C la rk s v ille Bank & C la rk s v ille 7,883 $ 2,618 $ 5,667 $ 7,118 2,157 6,458 18,979 17,906 2,800 0 495 400 6,974 3,904 22,505 29,910 0 0 3,243 0 854 85 298 570 122 0 0 65 0 0 0 0 0 0 0 0 0 0 0 0 1,142 307 397 1,123 17,406 $ 17,413 $ 49,309 $ 59,852 LIABILITIES $ 17,341 $ 26,289 $ 14,894 $ 15,838 $ 44,323 $ 53,918 0 79 200 225 900 0 0 0 0 0 0 0 0 0 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 600 0 0 0 214 109 212 202 559 1,193 $ 17,450 $ 26,582 $ 16,070 $ 16,040 $ 45,082 $ 55,936 0 0 0 0 0 0 EQUITY CAPITAL $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 120 550 100 300 100 150 1,880 2,000 400 1,000 1,000 600 2,227 1,366 1,054 2,119 236 623 0 0 0 0 0 0 4,227 1,554 3,916 1,336 1,373 3,419 $ 19,004 $ 30,001 $ 17,406 $ 17,413 $ 49,309 $ 59,852 Bank Department Deposits.................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury.............................................................. Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to d e p o sits.............................................. Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................. C h a r le s t o n & S ta te State of Arkansas: 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. F a rm e rs Bank o f C a ve C it y Cash and balances due from depositories......................................................... Securities................................................................................................................ Federal funds sold and securities purchased under agreements to resell....... Net loans and leases.............................................................................................. Assets held in trading accounts............................................................................ Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers’ liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... A rk a n sa s A m e ric a n S ta te B a n k ASSETS (In Thousands) 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. The Bank o f C a ve C it y ASSETS (In Thousands) C lin t o n F i r s t S ta te T h e C o rn in g F i r s t S ta te D a n v il le A rk a n sa s S ta te Bank & Bank Bank S ta te V a lle y Bank T ru s t Co. C lin t o n Conw ay C o rn in g C ro sse tt B ank B ank D a n v il le D a r d a n e lle Cash and balances due from depositories......................................................... $ 11,363 $ 7,431 $ 3,882 $ 19,548 26,935 16,462 Securities................................................................................................................ 8,900 400 Federal funds sold and securities purchased under agreements to resell....... 0 24,573 96,998 13,806 Net loans and leases............................................................................................. 0 Assets held in trading accounts........................................................................... 0 0 964 2,302 Premises and fixed assets (including capitalized leases).................................. 766 240 Other real estate owned........................................................................................ 89 0 0 30 Investments in unconsolidated subsidiaries and associated companies......... 0 0 0 Customers’ liability to the bank on acceptances outstanding........................... 0 0 Intangible assets................................................................................................... 0 538 1,012 Other assets.......................................................................................................... 2,880 959 TOTAL ASSETS (1 through 1 1 ) .................................................................... $ 66,600$ 137,065 $36,413 $ 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits................................................................................................................. $ 62,047 $ 124,779 $ 32,705 $ 17,048 $ 65,056 $ 29,886 0 0 Federal funds purchased and securities sold under agreements to repurchase 700 0 1,000 0 Demand notes issued to U.S. Treasury.............................................................. 182 0 0 0 0 0 0 Other borrowed m o n e y ........................................................................................ 0 0 0 0 0 Mortgage indebtedness and obligations under capitalized leases.................... 0 0 0 0 0 0 Bank’s liability on acceptances executed and outstanding.............................. 0 0 0 0 0 0 Notes and debentures subordinated to deposits.............................................. 0 0 0 0 0 250 Other liabilities...................................................................................................... 439 947 2,962 480 92 405 TOTAL LIABILITIES........................................................................................ $ 62,668 $ 127,741 $ 33.885 $ 17,140 $ 66.003 $ 31,541 Limited-life preferred s to c k ................................................................................. 0 0 0 0 0 0 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k .................................................................................. $ 0 $ Common stock........................................... 400 Surplus................................................................. 2,100 Undivided profits and capital reserves.............................................................. 1,432 Cumulative foreign currency translation adjustm ents...................................... 0 TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... 3,932 TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, 5,235 $ 15,663 $ 1,460 2,939 15,645 4,398 305 1,400 4,500 9,088 37,560 22,925 0 0 0 221 203 690 169 0 0 0 0 0 0 0 0 0 0 0 600 1,884 431 18.557 :$ 72,355 1S 34,404 LIABILITIES Seventy-First A nnual Report 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. EQUITY CAPITAL 0 $ 0$ 1,000 100 4,000 1,801 4,324 627 0 0 9,324 2,528 0 $ 0$ 0 250 1,000 783 380 2,750 1,576 37 3,352 504 0 0 0 1,417 6,352 2,863 AND EQUITY CAPITAL........................................................................ $ 66,600 $ 137.065 $ 36,413 $ 18.557 $ 72.355 $ 34.404 ID ASSETS (In Thousands) 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits.................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury............................................................... Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to d e p o s its .............................................. Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................. 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k .................................................................................... Common stock....................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves............................................................... Cumulative foreign currency translation adju stm e n ts..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL................................................................................... Bank F ir s t D e rm o tt F ir s t S ta te of S ta te S ta te S ta te D a r d a n e lle Bank D e l ig h t Bank Bank B ank D a r d a n e lle D e c a tu r D e l ig h t D eQ ueen D e rm o tt D e rm o tt $ 9,554$ 1,665 $ 1,546 $ 16,877 1,813 7,118 2,485 2,700 1,100 15,866 14,489 6,558 0 0 0 635 447 153 3 0 0 0 0 0 0 0 0 0 0 0 701 301 363 $46,121 $ 21,415 $ 16,838 $ 1,444 $ 3,223 $ 2,320 11,098 1,000 0 9,403 2,765 0 0 254 419 20 0 0 0 0 0 0 0 240 432 14,846 $ 17,772 $ 2,594 5,824 603 7,065 0 119 75 0 0 0 298 16,578 LIABILITIES $41,672 $ 18,754 $ 14,935 $ 13,886 $ 15,182 $ 14,864 0 0 0 0 150 0 0 0 34 0 0 85 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 0 0 554 204 247 204 128 175 $42,226 $ 18,958 $ 15,182 $ 14,064 $ 15,541 $ 15,153 0 0 0 0 0 0 EQUITY CAPITAL $ 0 $ 0$ 0 $ 200 350 234 825 350 800 2,870 1,757 622 0 0 0 2,457 3,895 1,656 0 $ 0 $ 0 550 450 150 100 550 725 550 1,231 132 0 0 0 2,231 782 1,425 $46,121 $21,415 $ 16,838 $ 14,846 $ 17,772 $ 16,578 Bank D epartm ent Cash and balances due from depositories......................................................... Securities................................................................................................................ Federal funds sold and securities purchased under agreements to resell....... Net loans and leases.............................................................................................. Assets held in trading accounts........................................................................... Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers’ liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... D e c a tu r of State of Arkansas: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. Bank ASSETS (In Thousands) Cash and balances due from depositories......................................................... Securities............................................................................................................... Federal funds sold and securities purchased under agreements to resell....... Net loans and leases............................................................................................. Assets held in trading accounts........................................................................... Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers’ liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury.............................................................. Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases.................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to deposits.............................................. Other liabilities...................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................ $ D e W it t B a n k Bank Dum as M e rc h a n ts E a rle M e rc h a n ts & Tru s t of S ta te & F a rm e rs S ta te Bank Com pany D over Bank Bank Bank D e s A rc D e W it t D over Dum as Dum as E a rle 1 ,2 6 5 $ 1 8 ,3 7 4 6 ,6 7 3 $ 2 5 ,5 4 0 2 ,6 1 1 $ 5 ,4 8 5 8 6 2 $ 3 ,6 4 3 3 ,1 2 2 $ 1 3 ,1 1 3 1 ,4 5 2 1 0 ,1 2 4 0 2 ,2 2 5 1 ,2 2 0 100 3 ,3 0 0 500 7 ,3 1 4 1 6 ,4 3 6 1 1 ,8 5 5 7 ,2 2 0 2 2 ,1 4 6 1 4 ,9 7 3 0 0 0 0 0 0 69 8 1 6 4 7 2 4 1 0 413 334 4 0 52 16 50 0 0 0 0 0 0 0 0 0 2 6 0 0 0 0 0 0 0 0 0 0 0 7 5 4 1 ,2 0 3 421 3 3 4 1 ,2 8 1 8 02 $ 2 7 ,8 1 6 $ 5 3 ,2 0 5 $ 2 2 ,0 8 0 $ 1 2 ,6 1 9 $ 4 3 ,3 7 5 $ 2 8 ,1 8 5 $ 2 1 ,6 0 9 $ 4 4 ,2 3 5 $ 1 9 ,8 0 5 $ 1 1 ,2 0 2 $ 3 7 ,4 6 9 $ 2 3 ,7 6 9 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 30 0 0 0 2 60 0 0 0 0 LIABILITIES 0 0 0 0 0 0 3 40 6 25 162 126 803 345 $ 2 1 ,9 4 9 $ 4 5 ,1 2 0 $ 1 9 ,9 6 8 $ 1 1 ,3 5 8 $ 3 8 ,2 7 2 $ 2 4 ,1 1 4 0 0 0 0 0 0 EQUITY CAPITAL 23. 24. 25. 26. 27. 28. 29. Perpetual preferred sto c k .................................................................................... Common stock...................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves.............................................................. Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. $ 0 7 8 8 $ 0 $ 0 4 5 0 2 3 0 $ 0 $ 3 0 0 0 $ 0 1 ,0 0 0 500 1 ,1 0 0 3 ,0 5 0 1 ,0 2 5 7 0 0 1 ,0 0 0 2 ,0 0 0 3 ,9 7 9 4 ,5 8 5 8 5 7 261 3 ,1 0 3 1 ,5 7 1 0 0 0 0 0 0 5 ,8 6 7 8 ,0 8 5 2 ,1 1 2 1 ,2 6 1 5 ,1 0 3 4 ,0 7 1 $ 2 7 ,8 1 6 $ 5 3 ,2 0 5 $ 2 2 .0 8 0 $ 1 2 ,6 1 9 $ 4 3 ,3 7 5 $ 2 8 .1 8 5 Seventy-First Annual Report 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. F a rm e rs & ASSETS (In Thousands) 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits.................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury............................................................... Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to d e p o s its.............................................. Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................. Bank Bank The The of of C it iz e n s E u d o ra S ta te Bank & E l k in s E n g la n d Bank B ank Bank Tru st Co. E la in e El D o ra d o E lk in s E n g la n d E n g la n d E u d o ra 1 ,3 7 8 $ 4 8 4 8 ,4 0 7 $ 2 3 ,1 2 2 9 8 8 $ 4 ,4 7 6 2 ,0 0 9 $ 5 ,5 7 4 1 ,3 3 0 $ 3 ,9 6 6 2 0 0 4 ,8 2 5 5 00 1 ,9 0 0 1 ,0 2 0 4 50 4 7 ,8 3 2 1 1 ,4 5 7 3 ,3 2 5 5 ,3 3 0 1 2 ,6 9 3 0 0 0 0 0 0 8 8 3 8 6 0 6 0 293 7 4 8 0 0 149 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 65 343 4 1 4 739 1 8 ,5 4 1 $ 1 3 ,1 5 1 $ 1 5 ,6 9 7 $ 2 3 ,0 2 9 $ 7 6 ,7 3 8 $ 1 6 ,9 3 3 $ 1 1 ,1 1 3 $ 1 3 ,0 4 5 $ 1 9 ,9 3 8 1 ,6 9 8 11 0 0 0 0 531 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 0 0 0 0 0 0 1 ,7 0 0 9 $ 8 6 ,7 2 4 $ 1 ,5 0 4 0 LIABILITIES $ $ 0 L 0 4 5 125 191 69 187 1 ,5 0 4 $ 8 0 ,5 1 2 $ 1 7 ,0 6 9 $ 1 1 ,3 0 4 $ 1 3 ,1 1 4 $ 2 0 ,1 2 5 0 0 0 0 0 0 EQU ITY CAPITAL 23. 24. 25. 26. 27. 28. 29. Perpetual preferred sto c k.................................................................................... Common stock....................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves............................................................... Cumulative foreign currency translation ad ju stm e n ts..................................... TOTAL EQUITY CAPITAL (sum of items 23-27) ......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL................................................................................... $ 0 4 0 $ $ 0 1 ,0 0 0 $ 0 $ 2 5 0 0 100 $ 0 2 40 IV) 4 ,4 3 3 7 ,3 1 0 431 2 ,5 1 0 GO $ 0 350 8 0 1 ,0 0 0 575 7 5 0 1 ,1 6 0 1 ,4 0 0 8 8 6 4 ,2 1 2 6 4 7 9 9 7 1 ,1 8 3 1 ,1 5 4 0 0 0 0 0 0 1 ,0 0 6 6 ,2 1 2 1 ,4 7 2 1 ,8 4 7 2 ,5 8 3 2 ,9 0 4 2 ,5 1 0 $ 8 6 ,7 2 4 $ 1 8 ,5 4 1 $ 1 3 ,1 5 1 $ 1 5 ,6 9 7 $ 2 3 ,0 2 9 Bank Department Cash and balances due from depositories......................................................... Securities................................................................................................................ Federal funds sold and securities purchased under agreements to resell....... Net loans and leases.............................................................................................. Assets held in trading accounts............................................................................ Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers' liability to the bank on acceptances outstanding.......................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... The Exchange State of Arkansas: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. The D e lta ASSETS (In Thousands) Cash and balances due from depositories......................................................... Securities............................................................................................................... Federal funds sold and securities purchased under agreements to resell....... Net loans and leases............................................................................................. Assets held in trading accounts........................................................................... Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers' liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury.............................................................. Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases.................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to deposits.............................................. Other liabilities...................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................ $ Bank of E v e n in g Shade M c llr o y Bank & Tru st C it i z e n s Bank & T ru s t Co. E u re k a E v e n in g 1F a y e t t e v i l l e F lip p in S p rin g s Shade 3 ,5 5 9 $ 4 ,5 3 2 F o rd yc e Bank & T ru s t Co. P la n t e r s Bank & Tru s t Co. F o rd yc e F o rre s t C it y 6 8 5 $ 1 4 ,2 3 2 2 ,2 2 7 3 0 ,3 9 2 $ 1 ,8 5 0 1 ,9 3 0 $ 5 ,2 0 2 $. 3 ,4 4 2 1 6 ,7 0 4 8 ,3 0 1 2 ,7 0 0 650 4 ,6 0 0 25 9 00 7 ,5 0 0 1 7 ,2 3 7 3 ,8 1 2 8 2 ,2 8 4 1 4 ,8 4 4 1 4 ,4 9 7 2 7 ,7 2 3 0 0 0 0 0 0 570 131 2 ,2 1 4 4 82 764 805 52 43 1 ,3 0 9 4 16 45 0 0 5 5 4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 186 3 ,1 9 0 $ 2 9 ,1 5 5 5 05 $ 7 ,7 3 4 $ 1 3 8 ,7 7 5 $ 2 2 ,7 8 6 $ 3 5 ,4 6 7 $ 4 8 ,7 2 1 $ 2 5 ,3 9 8 $ 379 656 9 05 LIABILITIES 6 ,9 4 3 $ 1 2 3 ,0 1 9 $ 2 0 ,8 7 6 $ 3 0 ,8 9 5 $ 4 4 ,3 1 5 0 0 2 ,0 7 0 0 0 0 0 0 0 0 181 0 0 0 1 ,7 8 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 ,5 0 0 0 0 0 4 29 78 1 ,1 1 0 220 4 57 563 7 ,0 2 1 $ 1 2 9 ,4 8 2 $ 2 1 ,0 9 6 $ 3 1 ,5 3 3 $ 4 4 ,8 7 8 0 0 0 0 0 $ 2 5 ,8 2 7 $ 0 EQUITY CAPITAL 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k .................................................................................... Common stock...................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves.............................................................. Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )....................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 4 00 155 1 ,6 0 0 2 75 1 ,4 0 7 1 ,3 2 8 283 2 ,7 7 5 0 0 0 0 0 0 3 ,3 2 8 713 9 ,2 9 3 1 ,6 9 0 3 ,9 3 4 3 ,8 4 3 7 ,7 3 4 $ 1 3 8 ,7 7 5 $ 2 2 ,7 8 6 $ 3 5 ,4 6 7 $ 4 8 ,7 2 1 $ 2 9 ,1 5 5 $ 5 ,1 1 1 3 66 200 600 600 1 ,6 0 0 2 ,9 0 0 7 2 4 2 ,1 3 4 343 Seventy-First Annual Report 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. Bank of E u re k a S p rin g s ASSETS (In Thousands) 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits.................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury............................................................... Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases................... Bank's liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to d e p o sits.............................................. Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................. $ F ir s t Bank F a rm e rs The Bank of S ta te of Bank F ir s t G re e n w o o d G riffith v ille Bank G le n w o o d Bank G ra ve tt G ilie t t G le n w o o d G o u ld G ra ve tte 7 3 2 $ 6 ,6 2 7 $ 1 ,4 7 3 4 ,5 5 2 2 ,2 6 1 $ 1 ,4 0 5 2 ,2 7 0 Bank $ 5 ,0 1 5 $ 1 8 ,2 0 5 1 8 ,4 2 5 125 2 ,9 3 1 3 5 0 2 0 0 2 00 2 ,1 5 0 1 ,3 7 5 100 8 ,2 1 5 6 ,6 2 3 8 ,9 3 5 1 8 ,4 1 9 1 4 ,6 3 6 4 8 4 0 0 0 0 0 0 108 36 194 616 201 3 0 164 0 76 112 0 0 0 0 0 0 0 0 0 0 0 31 0 0 0 0 0 0 0 3 98 190 4 0 6 1 ,0 4 2 8 6 2 134 $ 1 2 ,0 6 4 $ 1 8 ,3 9 2 $ 1 2 ,6 1 3 $ 4 2 ,9 9 8 $ 4 0 ,4 3 7 $ 3 ,7 7 7 $ 1 0 ,5 9 6 $ 1 6 ,7 2 4 $ 1 0 ,5 8 5 $ 3 7 ,3 3 2 $ 3 5 ,5 8 5 $ 3 ,1 1 6 0 0 0 0 0 0 0 43 0 0 99 0 0 0 0 0 0 0 0 0 0 0 0 0 0 LIABILITIES 0 0 0 0 31 0 0 0 0 0 0 231 166 333 8 82 453 43 $ 1 0 ,8 2 7 $ 1 6 ,9 3 3 1 0 .9 1 8 $ 3 8 .2 1 4 $ 3 6 .1 6 8 0 0 0 0 0 $ $ 3 ,1 5 9 0 EQU ITY CAPITAL 23. 24. 25. 26. 27. 28. 29. Perpetual preferred sto c k.................................................................................... Common stock....................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves............................................................... Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................. ............................................................... $ 0 150 $ 0 $ 0 $ 100 2 0 0 7 00 6 5 0 3 87 709 0 $ 0 $ 0 100 300 50 1 ,0 0 0 900 2 ,0 0 0 125 4 95 3 ,7 8 4 1 ,9 6 9 4 43 0 0 0 0 0 0 1 ,2 3 7 1 ,4 5 9 1 .6 9 5 4 ,7 8 4 4 ,2 6 9 6 18 $ 1 2 ,0 6 4 $ 1 8 ,3 9 2 $ 1 2 ,6 1 3 $ 4 2 ,9 9 8 $ 4 0 ,4 3 7 $ 3 ,7 7 7 Bank Department Cash and balances due from depositories......................................................... Securities................................................................................................................ Federal funds sold and securities purchased under agreements to resell....... Net loans and leases.............................................................................................. Assets held in trading accounts............................................................................ Premises and fixed assets (including capitalized leases).................................. Other real estate ow ned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers’ liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... The M e rc h a n ts State of Arkansas: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. P la n t e r s & C la r k F a rm e rs C a lh o u n The Th e H azen C o u n ty Bank C o u n ty Bank of S e c u r it y F i r s t S ta te Bank H a r r is b u rg B ank Bank H a m b u rg H a m p to n H a r r is b u rg H a r r is o n H azen Bank ASSETS (In Thousands) G u rd o n 1,779 $ 6,344 $ 2,854 $ 1,959 $i 6,862 $ 1,906 5,044 2,894 9,156 4,072 26,409 1,626 300 0 800 700 900 0 6,235 12,089 10,049 20,613 60,809 9,442 0 0 0 0 0 0 234 285 134 260 3,429 398 263 229 141 546 605 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 322 481 471 2,648 1,216 373 14,177 $22,322 $23,605 $ 29,366$101,662 $ 13,745 LIABILITIES 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits................................................................................................................. $ 12,870 $ 20,216 $ 20,553 $ 27,242 $ 92,956 $ 11,128 0 450 0 0 0 1,100 Federal funds purchased and securities sold under agreements to repurchase 0 0 93 0 0 0 Demand notes issued to U.S. Treasury.............................................................. 985 0 0 0 0 0 Other borrowed m o n e y ........................................................................................ 0 0 0 0 0 0 Mortgage indebtedness and obligations undercapitalized leases.................... 0 0 0 0 0 0 Bank’s liability on acceptances executed and outstanding.............................. 0 0 0 0 0 0 Notes and debentures subordinated to deposits.............................................. 116 245 - 168 422 1,534 183 Other liabilities...................................................................................................... TOTAL LIABILITIES........................................................................................ $ 13,971 $20,911 $20,814 $27,664 $94,490 $ 12,411 0 0 0 0 0 0 Limited-life preferred s to c k ................................................................................. 23. 24. 25. 26. 27. 28. Perpetual preferred s to c k .................................................................................... Common stock...................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves.............................................................. Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... 29. TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL........................................................................ EQUITY CAPITAL $ 0 $ 0 $ 0$ 0 $ 0$ 0 1,400 557 100 100 1,800 665 200 796 900 1,900 3,200 315 (1,394) 58 1,791 (298) 2,172 354 0 0 0 0 0 0 206 1,411 2,791 1,702 7,172 1,334 $ 14,177 $ 22,322 $ 23,605 $ 29,366 $ 101,662 $ 13,745 Seventy-First Annual Report 1. Cash and balances due from depositories......................................................... $ 2. Securities................................................................................................................ 3. Federal funds sold and securities purchased under agreements to resell___ 4. Net loans and leases............................................................................................. 5. Assets held in trading accounts........................................................................... 6. Premises and fixed assets (including capitalized leases).................................. 7. Other real estate ow ned........................................................................................ 8. Investments in unconsolidated subsidiaries and associated companies......... 9. Customers' liability to the bank on acceptances outstanding........................... 10. Intangible assets................................................................................................... 11. Other assets.......................................................................................................... 12. TOTAL ASSETS (1 through 1 1 ) .................................................................... $ The H e b e r S p rin g s Bank H o r a t io A rk a n sa s C le b u r n e S ta te Bank of S ta te Bank & Tru s t H o l l y G ro v e Bank C o u n ty Bank ASSETS (In Thousands) Cash and balances due from depositories......................................................... Securities................................................................................................................ Federal funds sold and securities purchased under agreements to resell....... Net loans and leases.............................................................................................. Assets held in trading accounts........................................................................... Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers’ liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... $ H eber H o lly S p rin g s S p rin g s G ro ve 5 ,5 6 7 $ 6 ,9 9 6 $ 1 ,5 4 2 4 0 ,0 8 0 of Im b o d e n Com pany co CT) H ot 1 ,7 2 0 $ 6 ,5 6 4 H o r a t io S p rin g s 5 ,5 9 1 $ 1 3 ,9 1 7 2 ,5 0 5 4 8 ,3 0 1 Im b o d e n $ 823 5 ,0 6 7 1 ,3 2 5 0 6 50 1 ,7 5 0 7 ,0 5 0 700 2 9 ,1 8 2 1 9 ,2 6 1 8 ,6 0 7 1 3 ,3 1 8 1 9 3 ,4 6 8 1 2 ,8 3 0 0 0 0 0 0 0 7 7 4 762 149 3 0 4 6 ,4 6 6 214 72 666 30 40 1 ,9 7 5 139 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 38 0 601 4 4 5 347 4 ,5 5 8 635 $ 7 8 ,7 5 3 $ 2 9 ,8 2 8 $ 1 8 ,1 6 5 $ 2 3 ,8 5 5 $ 2 7 5 ,7 7 3 $ 2 0 ,4 0 8 $ 7 2 ,2 3 1 $ 2 7 ,6 5 6 $ 1 5 ,4 9 0 $ 2 1 ,8 5 8 $ 2 4 9 ,9 5 6 $ 1 8 ,4 5 8 0 0 0 0 2 ,9 7 6 0 0 0 0 0 0 0 0 0 0 0 130 0 38 0 0 0 0 0 0 0 0 0 0 0 2 50 300 0 0 3 ,5 0 7 150 LIABILITIES 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits.................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury.............................................................. Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to d e p o sits.............................................. Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................. 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k .................................................................................... Common stock...................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves.............................................................. Cumulative foreign currency translation adjustments ..................................... TOTAL EQUITY CAPITAL (sum of items 23-27) ......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. 514 3 15 2 2 4 $ 7 3 ,0 3 3 $ 2 8 ,2 7 1 $ 1 5 ,7 1 4 0 0 0 2 3 8 $ 2 2 .0 9 6 $ 0 3 ,0 0 1 223 2 5 9 ,5 7 0 $ 1 8 ,8 3 1 0 0 EQUITY CAPITAL $ 0 $ 120 0 $ 1 ,7 6 6 2 ,2 5 0 6 50 3 ,3 5 0 (8 5 9 ) 0 $ 0 $ 0 $ 0 60 100 3 ,7 7 1 165 9 4 0 1 ,0 0 0 5 ,7 7 1 85 1 ,4 5 1 6 59 6 ,6 6 1 1 ,3 2 7 0 0 0 0 0 0 5 ,7 2 0 1 ,5 5 7 2 ,4 5 1 1 ,7 5 9 1 6 ,2 0 3 1 ,5 7 7 $ 7 8 ,7 5 3 $ 2 9 ,8 2 8 $ 1 8 .1 6 5 $ 2 3 .8 5 5 $ 2 7 5 .7 7 3 $ 2 0 ,4 0 8 Bank Department 0 1 ,7 5 3 State of Arkansas: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. H eber B ank ASSETS (In Thousands) F ir s t N e w to n B ank o f C it iz e n s S im m o n s M e r c a n t ile J a c k s o n v ille C o u n ty N orth e a st Bank o f F ir s t B an k Bank Bank Bank A rk a n sa s J a c k s o n v ille Ja sp e r Jo n e s b o ro Jo n e s b o ro o f Jo n e s b o ro Jo n e s b o ro Jo n e s b o ro Jo n e sb o ro Cash and balances due from depositories......................................................... $ 5,980 $ 1,619 $ 9,630 $ 16,594 $ 6,043 $i 12,946 Securities............................................................................................................... 15,884 56,139 5,560 7,306 41,736 10,477 4,917 1,400 2,300 2,500 418 Federal funds sold and securities purchased under agreements to resell....... 8,200 Net loans and leases............................................................................................. 93,104 47,246 17,757 20,649 99,467 31,623 Assets held in trading accounts........................................................................... 0 0 0 0 0 0 1,145 1,055 Premises and fixed assets (including capitalized leases).................................. 655 1,270 569 2,586 Other real estate ow ned........................................................................................ 0 1,057 659 0 586 186 0 0 0 0 0 Investments in unconsolidated subsidiaries and associated companies......... 0 0 459 0 428 0 Customers’ liability to the bank on acceptances outstanding........................... 0 Intangible assets................................................................................................... 0 0 0 0 0 0 Other assets.......................................................................................................... 1,086 662 5,063 904 882 3,313 72,741 28,553 43,744 172,082 50,598 174,342 TOTAL ASSETS (1 through 1 1 ) .................................................................... 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits................................................................................................................. $ 65,173 $ 25,868 $ 38,266 $ 151,735 $ 41,701 $ 158,359 0 1,857 0 380 4,157 3,272 Federal funds purchased and securities sold under agreements to repurchase 0 0 0 0 0 1,330 Demand notes issued to U.S. Treasury.............................................................. 0 0 0 0 0 0 Other borrowed m o n e y ........................................................................................ 0 0 0 0 0 0 Mortgage indebtedness and obligations under capitalized leases.................... 0 458 0 428 0 0 Bank's liability on acceptances executed and outstanding.............................. 0 0 0 695 400 1,820 Notes and debentures subordinated to deposits.............................................. 865 284 445 2,027 1,293 1,698 Other liabilities...................................................................................................... 66,038 26,152 40,214 161,069 46,666 162,372 TOTAL LIABILITIES...................................................................................... 0 0 0 0 0 0 Limited-life preferred s to c k ................................................................................ 23. 24. 25. 26. 27. 28. 29. 0 $ 0 $ Perpetual preferred s to c k .................................................................................... $ 0$ 0$ 2,000 Common stock...................................................................................................... 58 750 2,170 1,000 Surplus................................................................................................................... 1,842 1,000 2,330 3,703 501 1,780 Undivided profits and capital reserves.............................................................. 6,513 0 0 0 0 Cumulative foreign currency translation adjustm ents..................................... 6.703 2,401 3,530 TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... 11,013 TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. $ 72,741 $ 28,553 $ 43.744 $ 172,082 $ LIABILITIES Seventy-First Annual Report 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. EQ U ITY CAPITAL 250 $ 0 330 1,000 1,533 3,000 1,819 7,970 0 0 3,932 11,970 50,598 $ 174,342 GO ^1 U n io n Bank P in e S ta te of S ta te Bank Bank K e n s e tt Bank T ru s t J u d s o n ia J u n c t io n K e n s e tt K in g s l a n d 1 K in g s t o n F a rm e rs ASSETS (In Thousands) & M e rc h a n ts M a d is o n Bank & La k e V illa g e 517 $ 4,025 $ 845 $ 531 $ 1,936 $ 4,638 3,464 3,065 3,121 878 598 9,851 1,450 450 200 275 50 200 2,826 10,467 60 1,968 2,810 15,403 0$ 0 $ 0$ 0$ 0 $ 0 $ 90 57 10 72 260 110 85 3 0 0 0 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 194 185 73 68 730 78 $ 8.626 S 18.252 $ 4.309 S 3.792 $ 5.628 $ 31.082 $ LIABILITIES 13. 14. 15. 17. 18. 19. 20. 21. 22. $ 7,370 $ 16,586 $ 3,153 $ 3,433 $ 5,235 $ 26,782 0 0 0 0 0 40 0 0 0 41 0 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 0 125 135 28 48 0 331 $ 7.535 $ 16.721 $ 3.181 $ 3,521 $ 5,276 $27,177 0 0 0 0 0 0 0 0 0 EQUITY CAPITAL 23. 24. 25. 26. 27. 28. 29. Perpetual preferred sto c k ..................................................................................... Common stock....................................................................................................... Surplus.................................................................................................................... Undivided profits and capital reserves............................................................... Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... $ 0$ 70 280 741 0 1,091 TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL......................................................................... $ 8,626 0 $ 0$ 300 50 400 50 831 1,028 0 0 1,531 1,128 0 $ 42 102 127 0 271 0 0 $ 600 63 1,950 238 51 1,355 0 0 3,905 352 18,252 $ 4.309 $ 3,792 $ 5,628 $31,082 Bank Department 16. Deposits.................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury............................................................... Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases.................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to d e p o s its .............................................. Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................. State of Arkansas: Cash and balances due from depositories......................................................... Securities................................................................................................................ Federal funds sold and securities purchased under agreements to resell....... Net loans and leases.............................................................................................. Assets held in trading accounts............................................................................ Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... 9. Customers' liability to the bank on acceptances outstanding........................... 10. Intangible assets................................................................................................... 11. Other assets........................................................................................................... 12. TOTAL ASSETS (1 through 1 1 ) .................................................................... La k e V illa g e C it y 1. 2. 3. 4. 5. 6. 7. 8. Bank of Simmons ASSETS (In Thousands) F ir s t B an k C it i z e n s L e a c h v i lle L it t le L e s lie o f La k e B ank S ta te R iv e r S ta te B ank V illa g e of Bank Bank B ank & Loan L e a c h v i lle L e p a n to L e s lie L e w is v ille Lavaca Lavaca $ 9 1 6 $ 1 ,0 6 9 $ 1 ,0 1 3 $ 1 ,8 9 7 $ 3 ,0 6 5 $ 4 ,1 2 6 7 ,1 6 4 4 ,6 2 0 6 ,0 2 7 1 0 ,9 7 1 2 ,7 6 5 0 0 750 2 ,5 0 0 0 750 1 4 ,3 3 1 1 6 ,8 3 0 3 ,0 6 5 4 ,2 6 4 3 ,4 6 6 1 1 ,1 7 2 7 ,5 2 7 0 0 0 0 0 0 251 727 73 65 94 686 0 0 0 16 153 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 549 4 9 4 271 4 0 6 223 499 $ 2 3 ,2 1 1 $ 2 3 ,7 4 0 $ 1 1 ,1 9 9 $ 2 0 ,1 1 9 $ 9 ,7 6 6 $ 2 4 ,7 6 0 $ 2 0 ,2 4 0 $ 2 1 ,2 1 2 $ 9 ,0 2 8 $ 1 6 ,6 2 2 $ 9 ,1 7 6 $ 2 2 ,3 5 2 7 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 8 6 137 130 194 61 343 $ 2 1 ,2 2 6 $ 2 1 ,3 4 9 9 ,1 5 8 $ 1 6 ,8 1 6 9 ,2 3 7 $ 2 2 ,6 9 5 0 0 0 0 0 0 LIABILITIES 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury.............................................................. Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases.................... Bank's liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to deposits.............................................. Other liabilities...................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................ 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k .................................................................................... Common stock...................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves.............................................................. Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. $ $ Seventy-First Annual Report Cash and balances due from depositories......................................................... Securities............................................................................................................... Federal funds sold and securities purchased under agreements to resell....... Net loans and leases............................................................................................. Assets held in trading accounts........................................................................... Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers’ liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... Com pany La k e V illa g e 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. P e o p le s EQUITY CAPITAL $ 0 $ 0 $ 0 $ 0 $ 0 $ 100 236 100 4 0 0 130 1 ,7 0 0 1 ,3 0 0 1 ,1 5 0 1 ,1 0 0 425 185 855 791 1 ,8 0 3 (2 6 ) 0 100 7 50 1 ,2 1 5 0 0 0 0 0 0 1 ,9 8 5 2 ,3 9 1 2 ,0 4 1 3 .3 0 3 529 2 ,0 6 5 $ 2 3 ,2 1 1 $ 2 3 ,7 4 0 $ 1 1 ,1 9 9 $ 2 0 ,1 1 9 CO $ 9 ,7 6 6 $ 2 4 ,7 6 0 to Bank of ASSETS (In Thousands) P u la s k i Bank & The F ir s t F a rm e rs Bank of S ta te Bank & B ank of L in c o ln T ru s t C o. 1 L o c k e s b u rg Bank Tru s t Co. M a lv e r n L in c o ln L it t le R o c k 1 L o c k e s b u rg Lonoke M a g n o lia M a lv e r n 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits.................................................................................................................. $30,656 $ 99,534 $ 22,180 $ 42,428 $ 72.788 $ 49.663 0 Federal funds purchased and securities sold under agreements to repurchase 4 ,7 3 2 0 0 1,865 0 76 Demand notes issued to U.S. Treasury............................................................... 0 0 0 0 0 Other borrowed m o n e y ........................................................................................ 0 563 0 0 0 0 2 ,3 6 8 0 Mortgage indebtedness and obligations under capitalized leases.................... 0 0 0 0 0 Bank’s liability on acceptances executed and outstanding.............................. 0 0 0 0 0 300 Notes and debentures subordinated to d e p o sits.............................................. 2,660 0 0 0 0 Other liabilities....................................................................................................... 400 1,216 305 254 776 643 TOTAL LIABILITIES........................................................................................ $ 31,432 $ 111,073 $ 22,485 $ 42.682 $ 75,429 $ 50.306 Limited-life preferred s to c k ................................................................................. 0 0 0 0 0 0 23. 24. 25. 26. 27. 28. 0$ Perpetual preferred sto c k ..................................................................................... $ 200 Common stock....................................................................................................... 200 Surplus................................................................................................................... 2,339 Undivided profits and capital reserves............................................................... 0 Cumulative foreign currency translation adju stm e n ts..................................... 2,739 TOTAL EQUITY CAPITAL (sum of items 23-27) ......................................... LIABILITIES EQUITY CAPITAL 29. 0 $ 0$ 0$ 0 $ 0 2,122 62 400 2,500 300 2,526 938 1,600 1,250 2,200 1,856 344 3,721 3,689 3,466 0 0 0 0 0 6,504 1,344 5,721 7,439 5,966 TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.........................................................................$ 34,171 $ 117,577 $ 23,829 $ 48,403 $ 82,868 $ 56,272 Bank Department Cash and balances due from depositories......................................................... $ 2,245 $ 6,740 $ 1,929 $ 7,633 $ 5,967 $ 2,915 Securities................................................................................................................ 10,663 18,875 4,887 6,599 42,034 22,338 1,200 0 3,750 11,200 0 Federal funds sold and securities purchased under agreements to resell....... 0 18,859 Net loans and leases.............................................................................................. 83,319 9,389 21,441 32,437 28,442 0 0 0 0 Assets held in trading accounts........................................................................... 0 0 217 5,099 1,251 Premises and fixed assets (including capitalized leases).................................. 430 156 660 157 Other real estate owned........................................................................................ 300 290 72 0 73 0 0 0 0 0 0 Investments in unconsolidated subsidiaries and associated companies......... 0 0 0 0 Customers’ liability to the bank on acceptances outstanding........................... 0 0 Intangible assets................................................................................................... 0 398 0 0 0 0 830 1,084 Other assets........................................................................................................... 2,846 3,444 1,254 1,697 TOTAL ASSETS (1 through 1 1 ) .................................................................... $34,171 $ 117,577 $ 23,829 $48,403 $ 82,868 $56,272 State of Arkansas: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. ASSETS (In Thousands) P e o p le s The Bank F a rm e rs C it i z e n s Bank M e rch a n ts & of & M e rc h a n ts B ank P la n t e r s M a n s f ie ld Bank M a n s f ie ld M a r ia n n a $ 7 9 6 M a rk e d M a n ila $ 7 ,3 4 2 1 ,0 1 6 $ 1 ,8 3 2 4 ,8 7 1 $ 1 ,6 7 9 4 ,2 6 5 6 ,2 0 6 T re e M a r io n $ 2 ,2 7 9 $ 9 ,1 6 4 1 ,6 6 1 1 5 ,0 3 5 5 ,2 0 0 350 2 0 0 2 ,6 7 5 1 ,3 7 5 0 4 ,9 8 8 5 ,0 8 9 9 ,7 4 2 3 ,1 6 9 1 0 ,3 2 4 3 ,0 1 6 0 0 0 0 0 0 2 28 98 327 162 1 ,1 1 7 164 60 16 57 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 44 2 0 6 4 2 0 262 4 4 4 533 $ 1 8 ,9 5 8 $ 8 ,6 0 7 $ 1 9 ,8 8 2 $ 1 4 ,1 5 3 $ 2 4 ,7 0 3 $ 2 0 ,4 0 9 $ 1 7 ,4 4 6 $ LIABILITIES 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury.............................................................. Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to deposits.............................................. Other liabilities...................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................ 7 ,2 7 6 $ 1 7 ,9 5 7 $ 1 2 ,2 7 0 $ 2 1 ,4 8 1 $ 1 7 ,0 9 6 0 0 0 0 0 800 0 0 0 28 0 0 0 0 0 0 0 0 0 0 2 0 28 0 0 0 0 0 0 0 0 0 0 0 0 0 2 55 102 2 2 0 158 183 345 7 ,3 7 8 $ 1 8 ,1 7 9 $ 1 2 .4 5 6 $ 2 1 .6 9 2 $ 1 8 .2 4 1 0 0 0 0 0 $ 1 7 ,7 0 1 $ 0 EQUITY CAPITAL 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k .................................................................................... Common stock..................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves.............................................................. Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. $ 0 $ 100 0 100 $ 0 2 4 0 $ 0 75 $ 0 150 $ 0 250 9 0 0 4 0 0 2 6 0 925 1 ,2 0 0 300 257 729 1 ,2 0 3 697 1 ,6 6 1 1 ,6 1 8 0 0 0 0 0 0 1 ,2 5 7 1 ,2 2 9 1 ,7 0 3 1 ,6 9 7 3 ,0 1 1 2 ,1 6 8 $ 18,958 $ 8,607 $ 19,882 $ 14,153 $ 24,703 $ 20,409 Seventy-First Annual Report Cash and balances due from depositories......................................................... Securities............................................................................................................... Federal funds sold and securities purchased under agreements to resell....... Net loans and leases............................................................................................. Assets held in trading accounts........................................................................... Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers’ liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... T re e B ank Bank M a m m o th S p rin g s 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. M a rk e d ASSETS (In Thousands) Cash and balances due from depositories......................................................... Securities................................................................................................................ Federal funds sold and securities purchased under agreements to resell....... Net loans and leases.............................................................................................. Assets held in trading accounts............................................................................ Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers' liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... $ Bank of M a r v e ll Bank of M c C ro ry M cG ehee B ank Th e Bank o f N o rth A rk a n sa s T h e U n io n Bank of M ena M a r s h a ll M a r v e ll M c C ro ry M cG ehee M e lb o u r n e M en a 5 ,2 6 9 $ 7 2 2 $ 1 ,9 9 2 $ 2 ,9 2 6 $ 1 3 ,0 2 0 2 ,4 3 1 1 4 ,1 0 7 2 4 ,9 4 6 2 1 ,7 8 2 9 ,6 4 6 $ 5 ,2 4 0 1 0 ,9 5 3 3 0 0 0 8 ,3 0 0 303 3 ,9 0 0 500 9 ,7 6 9 1 ,5 8 2 1 0 ,7 5 3 3 0 ,8 0 8 1 9 ,1 7 8 3 1 ,7 0 8 0 0 0 0 0 0 174 184 2 9 7 242 9 0 6 747 130 12 0 155 512 215 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 69 0 4 7 2 1 ,2 3 7 1 ,3 7 9 661 1 ,1 8 9 $ 1 8 ,4 9 7 $ 1 7 ,0 7 9 $ 4 7 ,5 2 5 $ 6 4 ,3 1 5 $ 3 3 ,3 9 2 $ 5 8 ,3 3 2 $ 1 6 ,8 4 4 $ 1 4 ,4 3 0 $ 4 1 ,5 3 0 $ 5 7 ,9 4 6 $ 3 0 ,9 0 5 $ 4 9 ,5 9 8 0 200 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 LIABILITIES 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits.................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury............................................................... Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to d e p o s its.............................................. Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................. 23. 24. 25. 26. 27. 28. 29. Perpetual preferred sto c k.................................................................................... Common stock....................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves.............................................................. Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. 0 0 0 0 0 0 96 249 1 ,0 7 6 4 6 2 3 2 8 1 ,0 4 0 $ 1 6 ,9 4 0 $ 1 4 ,8 7 9 $ 4 2 ,6 0 6 $ 5 8 ,4 0 8 $ 3 1 ,2 3 3 $ 5 0 ,6 3 8 0 0 0 0 0 0 EQUITY CAPITAL $ 0 4 0 0 $ 0 $ 0 $ 0 $ 0 $ 0 150 5 00 8 0 0 500 2 ,0 0 0 1 ,7 0 0 4 2 5 1 ,8 0 0 357 1 ,5 5 0 2 ,4 1 9 3 ,2 0 7 (2 6 6 ) 4 ,6 9 4 1 ,0 0 0 2 ,0 0 0 1 ,2 0 0 0 0 0 0 0 0 1 ,5 5 7 2 ,2 0 0 4 ,9 1 9 5 ,9 0 7 2 ,1 5 9 7 ,6 9 4 $ 18,497 $ 17,079 $ 47.525 $ 64,315 $ 33,392 $ 58,332 Bank Department 0 4 2 4 IV) State of Arkansas: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. The C it i z e n s Bank ASSETS (In Thousands) Monette Commercial Union Bank & State Bank & Bank Trust Co. Trust Co. Monette Monticello Monticello The First State Bank Morrilton Peoples Bank & Trust Co. Mountain Home Bank of Mountain View Mountain View Cash and balances due from depositories......................................................... $ 1,441 $ 9,262 $ 16,283 $ 2,642 $ 5,675 $ 1,839 Securities................................................................................................................ 8,145 12,661 11,331 25,840 54,204 14,555 Federal funds sold and securities purchased under agreements to resell....... 0 0 800 2,250 200 800 Net loans and leases............................................................................................. 17,283 25,046 44,428 25,114 51,024 16,477 Assets held in trading accounts........................................................................... 0 0 0 0 0 0 267 1,010 Premises and fixed assets (including capitalized leases).................................. 325 860 729 529 Other real estate owned........................................................................................ 26 268 393 1,021 138 28 0 Investments in unconsolidated subsidiaries and associated companies......... 0 0 0 0 0 0 Customers' liability to the bank on acceptances outstanding........................... 0 0 0 0 0 Intangible assets................................................................................................... 0 0 0 0 0 0 Other assets.......................................................................................................... 1,061 921 1,389 3,012 945 1,153 TOTAL ASSETS (1 through 1 1 ) .................................................................... $28,523 $ 48,550 $74,262 $ 56,342$ 116,596 $ 37,102 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits................................................................................................................. $ 24,837 $ 43,876 $ 68,586 $ 48,934 $ 104,199 $ 31,412 900 0 0 0 0 0 Federal funds purchased and securities sold under agreements to repurchase 0 0 0 0 0 0 Demand notes issued to U.S. Treasury............................................................... 0 0 0 0 0 0 Other borrowed m o n e y ........................................................................................ 0 16 0 0 0 0 Mortgage indebtedness and obligations under capitalized leases.................... 0 0 0 0 0 0 Bank’s liability on acceptances executed and outstanding............................... 0 0 0 0 0 0 Notes and debentures subordinated to deposits.............................................. 187 322 408 886 771 1,533 Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ $ 25,924 $ 44,300 $ 69,472 $ 49,705 $ 105,732 $ 31,734 0 0 0 0 0 0 Limited-life preferred s to c k ................................................................................. 23. 24. 25. 26. 27. 28. 0 $ 0 $ 0 $ 0 $ 0$ 0 Perpetual preferred sto c k .................................................................................... $ 200 200 1,000 1,000 2,750 100 Common stock....................................................................................................... 1,550 2,300 2,000 1,564 2,750 2,250 Surplus................................................................................................................... 849 1,750 1,790 4,073 5,364 3,018 Undivided profits and capital reserves............................................................... 0 0 0 0 0 0 Cumulative foreign currency translation adjustm ents...................................... 2,599 4,250 4,790 6,637 10,864 5,368 TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... 29. TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL........................................................................ $ 28,523 $ 48,550 $ 74,262 $ 56.342 $ 116,596 $ 37,102 LIABILITIES Seventy-First Annual Report 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. EQUITY CAPITAL -f* co ASSETS (In Thousands) Cash and balances due from depositories......................................................... Securities................................................................................................................ Federal funds sold and securities purchased under agreements to resell....... Net loans and leases.............................................................................................. Assets held in trading accounts........................................................................... Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers’ liability to the bank on acceptances outstanding.......................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... $ Bank of M u lb e r r y P ik e C o u n ty Bank Bank of N e w a rk M o u n t Id a M u lb e r r y M u rfre e s b o ro N e w a rk 3 ,5 8 3 4 ,3 7 8 2 ,7 8 4 $ 1 ,6 5 9 $ $ F i r s t S ta te M e r c h a n t s Bank P la n t e r s o f N e w p o rt Bank N e w p o rt $ 3 ,2 8 0 N e w p o rt $ 5 ,0 3 0 2 1 ,7 7 6 5 ,6 6 3 5 ,7 2 6 3 ,6 0 1 7 ,9 3 7 5 ,9 7 5 0 4 0 0 6 0 0 3 0 0 5 ,9 5 0 4 ,6 0 0 1 0 ,4 3 1 8 ,9 9 0 2 0 ,3 8 9 1 ,9 3 9 2 7 ,3 2 6 2 4 ,8 0 2 0 0 0 0 0 0 3 3 6 117 5 62 42 631 683 0 65 2 7 5 3 4 6 2 3 ,6 0 9 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6 24 0 2 98 6 3 3 172 1 ,5 8 8 1 ,0 3 0 $ 3 6 ,2 1 2 $ 1 7 ,1 9 2 $ 3 1 ,7 6 8 $ 1 0 ,4 3 5 $ 4 7 ,7 9 8 $ 4 5 ,7 2 9 $ 3 2 ,4 5 1 $ 1 5 ,4 0 7 $ 2 6 ,8 4 3 $ 9 ,7 6 0 $ 4 4 ,6 8 2 $ 4 0 ,1 2 1 0 0 1 ,5 0 0 0 0 0 0 0 0 0 0 0 0 0 1 ,3 0 0 0 0 1 ,0 8 9 0 LIABILITIES 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits.................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury............................................................... Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases................... Bank's liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to d e p o sits.............................................. Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................. 0 0 0 0 5 0 0 0 0 0 0 0 0 0 0 0 400 471 2 0 4 251 $ 3 2 ,9 2 2 $ 1 5 ,6 1 1 $ 2 9 ,8 9 4 0 0 0 $ 50 351 472 9 ,8 1 0 $ 4 5 ,0 3 8 $ 4 2 ,0 8 2 0 0 0 EQUITY CAPITAL 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k .................................................................................... Common stock....................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves............................................................... Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 ).................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL................................................................................... $ 0 $ 100 0 $ 100 0 4 0 0 $ 0 117 $ 0 $ 0 7 33 225 2 ,7 0 0 1 ,4 0 0 4 0 0 5 00 192 3 ,7 6 4 1 ,7 9 0 1 ,0 8 1 9 7 4 3 16 ( 1 ,7 3 7 ) 0 0 0 0 0 0 3 ,2 9 0 1 ,5 8 1 1 ,8 7 4 625 2 ,7 6 0 3 ,6 4 7 722 $ 36,212 $ 17,192 $ 31.768 $ 10,435 $ 47,798 $ 45,729 Bank Department 0 8 8 5 State of Arkansas: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. The Bank o f M o n tg o m e ry C o u n ty ASSETS (In Thousands) T h e T w in C it y Bank N. L. Rock The P la n t e r s Bank Bank of O z a rk S e c u r it y Bank Bank of P a rk d a le F ir s t S ta te Bank O s c e o la O z a rk P a r a g o u ld P a rk d a le P a rk in Cash and balances due from depositories......................................................... $ 19,035 $ 8,384 $ 2,780 $ 10,680 $ 1,934 $ Securities................................................................................................................ 78,881 8,802 15,334 17,879 3,529 Federal funds sold and securities purchased under agreements to resell....... 0 1,400 9,100 0 815 200,677 11,697 56,724 47,804 Net loans and leases............................................................................................. 9,484 Assets held in trading accounts........................................................................... 50 0 0 0 0 11,544 240 Premises and fixed assets (including capitalized leases).................................. 2,625 1,247 461 Other real estate owned........................................................................................ 684 0 531 700 130 Investments in unconsolidated subsidiaries and associated companies......... 0 0 0 0 0 0 Customers’ liability to the bank on acceptances outstanding........................... 0 0 0 0 Intangible assets................................................................................................... 0 0 0 0 0 Other assets.......................................................................................................... 6,718 1,271 1,424 1,959 543 TOTAL ASSETS (1 through 1 1 ) .................................................................... $317,589 $31,794 $88,518 $80,269 $ 16,896 $ 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits................................................................................................................. $268,368 $ 28,740 $ 76,958 $ 72,892 $ 15,494 $ 9,447 15,618 0 3,301 0 0 0 Federal funds purchased and securities sold under agreements to repurchase 0 0 140 Demand notes issued to U.S. Treasury............................................................... 0 0 0 3,665 0 Other borrowed m o n e y ........................................................................................ 2 0 0 0 0 0 0 0 0 0 Mortgage indebtedness and obligations undercapitalized leases.................... 0 0 0 0 Bank’s liability on acceptances executed and outstanding............................... 0 0 745 0 0 1,185 200 100 Notes and debentures subordinated to deposits............................................... 7,643 326 757 Other liabilities...................................................................................................... 686 195 187 TOTAL LIABILITIES........................................................................................ $296,039 $ 29,066 $ 81,158 $ 74,763 $ 15,789 $ 9,834 0 0 Limited-life preferred s to c k ................................................................................. 0 0 0 0 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k .................................................................................... $ 9,500 $ 0 $ 0 $ 0$ 0$ 0 Common stock...................................................................................................... 2,700 500 685 1,200 40 100 Surplus................................................................................................................. 4,000 1,000 5,565 1,700 860 400 Undivided profits and capital reserves............................................................... 5,350 1,228 1,110 2,606 207 913 Cumulative foreign currency translation adjustm ents...................................... 0 0 0 0 0 0 TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... 21,550 2,728 7,360 5,506 1,107 1,413 TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. $317,589 $ 31,794 $88,518 $80,269 $ 16,896 $ 11,247 827 5,483 1,300 3,082 0 274 15 0 0 0 266 11,247 LIABILITIES EQUITY CAPITAL Seventy-First Annual Report 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. ASSETS (In Thousands) 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits.................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury............................................................... Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to d e p o sits.............................................. Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................. $ P ig g o t t S ta te Bank F ir s t S ta te Bank Bank of P o c a h o n ta s P la n t e r s & S to c k m e n Bank Pea R id g e P e rry v ille P ig g o t t P la in v ie w P o c a h o n ta s P o c a h o n ta s 1 ,2 1 5 $ 5 ,4 9 8 3 ,9 1 6 $ 7 ,4 7 4 $ 3 ,3 0 6 $ 1 7 ,8 5 2 $ 7 ,9 4 3 $ 2 ,6 8 1 $ 2 0 ,8 4 2 5 ,1 3 0 $ $ 795 6 ,6 3 3 4 5 0 0 0 0 4 ,0 0 0 1 ,8 2 5 1 3 ,1 7 3 7 ,4 7 3 7 ,8 7 7 1 3 ,7 0 4 7 ,9 2 8 1 2 ,9 0 7 0 0 0 0 0 0 300 97 4 9 6 18 11 226 50 0 138 182 0 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 4 5 745 532 4 3 8 1 ,0 5 6 605 $ 2 1 ,1 3 1 $ 3 0 ,0 8 3 $ 2 4 ,4 6 0 $ 2 0 ,3 2 9 $ 3 8 ,9 6 7 $ 2 3 ,0 5 1 $ 1 9 ,2 9 0 $ 2 6 ,1 6 8 $ 2 1 ,3 7 6 $ 1 8 ,5 5 2 $ 3 4 ,5 9 9 $ 2 0 ,2 4 8 0 4 00 8 0 0 300 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 53 0 0 0 0 0 0 0 0 0 100 0 0 281 295 3 0 8 129 515 260 $ 1 9 ,5 7 1 $ 2 6 ,8 6 3 $ 2 2 ,4 8 4 1 9 ,0 8 1 $ 3 5 ,1 1 4 $ 2 0 ,5 6 1 0 0 0 LIABILITIES $ 0 0 0 EQUITY CAPITAL 23. 24. 25. 26. 27. 28. 29. 0 0 $ 0 $ 2 0 0 $ 0 $ 0 $ Perpetual preferred s to c k .................................................................................... $ 200 2 00 125 4 00 100 83 Common stock....................................................................................................... 1 ,3 0 0 1 ,8 0 0 8 0 0 9 7 5 8 0 0 1 ,0 4 2 Surplus................................................................................................................... 990 1 ,9 2 8 2 ,0 2 0 901 48 4 3 5 Undivided profits and capital reserves.............................................................. 0 0 0 0 0 0 Cumulative foreign currency translation adjustm ents..................................... 2 ,4 9 0 3 ,8 5 3 1 ,2 4 8 3 ,2 2 0 1 ,9 7 6 1 ,5 6 0 TOTAL EQUITY CAPITAL (sum of items 23-27) ......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. $ 21,131 $ 30,083 $ 24,460 $ 20,329 $ 38.967 $ 23,051 Bank D epartm ent Cash and balances due from depositories......................................................... Securities................................................................................................................ Federal funds sold and securities purchased under agreements to resell....... Net loans and leases.............................................................................................. Assets held in trading accounts............................................................................ Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers' liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... Th e P e rry C o u n ty Bank State of Arkansas: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. Bank o f P ea R id g e ASSETS (In Thousands) The P e o p le s Bank The L a w re n c e C o u n ty Bank P o r tia Cash and balances due from depositories......................................................... Securities................................................................................................................ Federal funds sold and securities purchased under agreements to resell....... Net loans and leases............................................................................................. Assets held in trading accounts........................................................................... Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers’ liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... $ P o rtla n d 2 ,6 3 2 $ 3 ,7 3 1 2 ,8 1 2 $ 2 ,0 5 8 Th e F a rm e rs & M e rc h a n ts Bank B ank of P re sco tt Th e B ank of R e c to r P o rtla n d P ra irie G ro ve P re sco tt R e c to r 1 ,8 9 9 $ 2 ,8 0 8 2 ,6 4 0 $ 1 9 ,6 5 0 1 ,7 8 4 $ 1 7 ,7 3 7 2 ,4 1 1 1 3 ,0 1 7 2 ,0 0 0 7 8 5 6 50 3 00 1 ,8 7 5 0 5 ,0 0 9 1 ,4 8 4 9 ,3 0 3 2 0 ,3 2 7 1 6 ,7 8 6 5 ,8 0 6 0 0 0 0 0 0 139 0 102 4 1 8 427 27 12 0 35 125 0 179 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 281 75 351 1 ,3 3 8 460 551 $ 1 3 ,8 0 4 $ 7 ,2 1 4 $ 1 5 ,1 4 8 $ 4 4 ,7 9 8 $ 3 9 ,0 6 9 $ 2 1 ,9 9 1 $ 1 2 ,5 0 0 $ $ 1 9 ,2 8 8 LIABILITIES 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury.............................................................. Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases.................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to deposits.............................................. Other liabilities...................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................ 6 ,4 3 0 $ 1 3 ,2 3 9 $ 4 0 ,2 8 5 $ 3 5 ,2 3 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 300 0 0 119 $ 1 2 ,6 1 9 $ 0 109 109 363 248 172 6 ,5 3 9 $ 1 3 ,3 4 8 $ 4 0 ,9 4 8 $ 3 5 ,4 7 9 $ 1 9 ,4 6 0 0 0 0 0 0 Seventy-First Annual Report 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. P o rtla n d Bank EQUITY CAPITAL 23. 24. 25. 26. 27. 28. 29. Perpetual preferred sto c k .................................................................................... Common stock...................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves.............................................................. Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. $ 0 $ 0 $ 0 125 100 2 0 0 375 525 6 85 50 0 1 ,1 8 5 $ 0 $ 0 $ 0 300 600 100 9 0 0 300 1 ,4 0 0 1 ,4 0 0 7 00 3 ,2 5 0 1 ,5 9 0 1 ,0 3 1 0 0 0 0 0 6 75 1 ,8 0 0 3 ,8 5 0 3 ,5 9 0 2 ,5 3 1 $ 13,804 $ 7,214 $ 15,148 $ 44,798 $ 39,069 $ 21,991 -p* & ASSETS (In Thousands) & F a rm e rs M e rc h a n ts Bank The Bank of R is o n F a rm e rs M e rc h a n ts B ank P e o p le s Bank Tru s t Co. Bank of S a le m Logan C o u n ty B ank R e yn o R is o n R o g e rs R u s s e llv ille S a le m S c r a n to n & 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits ......................................................................................................................................................................................................... $ 13,169 $ 10,808 $ 70,581 $101,798 $ 37,634 $ 14,827 Federal funds purchased and securities sold under agreements to repurchase 0 0 2,000 0 400 0 0 26 Demand notes issued to U.S. Treasury............................................................... 0 0 0 135 0 0 0 Other borrowed m o n e y ........................................................................................ 0 122 0 0 Mortgage indebtedness and obligations under capitalized leases.................... 0 0 88 0 0 0 Bank’s liability on acceptances executed and outstanding.............................. 0 0 0 0 0 0 0 Notes and debentures subordinated to d e p o sits.............................................. 0 0 1,000 0 456 166 Other liabilities....................................................................................................... 161 109 1,559 696 TOTAL LIABILITIES........................................................................................ $ 13,330 $ 10,917 $ 75,228 $102,616 $ 38,625 $ 15,019 0 Limited-life preferred s to c k ................................................................................. 0 0 0 0 0 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k ..................................................................................... Common stock....................................................................................................... Surplus ............................................................................................................................................................................................................ Undivided profits and capital reserves............................................................... Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, LIABILITIES EQUITY CAPITAL $ 0 295 675 339 0 1,309 $ 0 $ 0 100 874 300 2,526 1,351 1,977 0 0 1,751 5,377 $ 0 600 4,400 1,506 0 6,506 $ 0 200 1,300 1,604 0 3,104 $ 0 100 500 962 0 1,562 AND EQUITY CAPITAL.........................................................................$ 14,639 $ 12,668 $ 80,605 $109,122 $ 41,729 $ 16,581 Bank Department 915 $ 6,650 $ 7,662 $ 4,457 $ 1,234 Cash and balances due from depositories......................................................... $ 1,410$ 4,912 10,308 17,156 8,187 Securities................................................................................................................ 25,925 7,589 Federal funds sold and securities purchased under agreements to resell....... 850 100 0 0 2,000 500 6,461 974 52,018 6,612 Net loans and leases.............................................................................................. 68,934 27,388 0 Assets held in trading accounts............................................................................ 0 0 0 0 0 Premises and fixed assets (including capitalized leases).................................. 178 18 168 2,160 2,733 603 195 0 681 0 Other real estate owned........................................................................................ 121 170 Investments in unconsolidated subsidiaries and associated companies......... 0 0 0 0 0 0 0 0 0 Customers' liability to the bank on acceptances outstanding........................... 0 0 0 0 0 0 0 14 0 Intangible assets................................................................................................... 380 633 353 1,940 1,733 1,022 Other assets........................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... $ 14,639 $ 12,668 $ 80,605 $109,122 $41,729 $ 16,581 State of Arkansas: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. ASSETS (In Thousands) 1. 2. 3. 4. 5. 6. 10. 11. 12. $ G ra n t C o u n ty Bank F ir s t S ta te Bank Bank of S id n e y S e a rc y S h e r id a n S h e rw o o d S id n e y 4 ,4 1 0 $ 3 6 ,7 7 8 4 ,7 0 1 $ 7 ,5 5 4 9 ,0 3 2 $ 6 ,6 6 1 A rk a n sa s S ta te B ank S m ackover S ta te B ank Siloa m S p rings S m a c k o v e r 281 $ 3 ,8 9 8 601 2 6 ,4 8 0 $ 1 ,8 9 3 1 7 ,4 3 0 3 ,5 0 0 1 ,3 0 0 825 925 1 0 ,0 0 0 1 ,3 0 0 5 0 ,6 6 7 1 8 ,3 6 8 1 9 ,2 3 7 1 ,2 2 2 1 7 ,5 0 7 2 6 ,9 1 4 0 0 0 0 0 0 2 ,0 2 2 580 933 6 1 ,2 1 5 316 3 24 377 84 0 28 0 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 ,9 8 4 479 617 51 1 ,0 9 9 1 ,0 7 1 $ 9 9 ,7 3 7 $ 3 3 ,3 5 9 $ 3 7 ,3 8 9 $ 3 ,0 8 6 $ 6 0 ,2 2 7 $ 4 8 ,9 2 4 $ 8 8 ,3 6 9 $ 2 9 ,8 8 3 $ 3 4 ,1 4 6 $ 2 ,5 5 5 $ 5 5 ,2 2 8 $ 4 2 ,8 2 0 30 0 0 0 0 0 4 07 0 0 0 0 0 0 0 0 0 0 0 0 LIABILITIES 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury............................................................... Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations undercapitalized leases.................... Bank’s liability on acceptances executed and outstanding............................... Notes and debentures subordinated to deposits............................................... Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 ,5 6 9 3 18 3 14 $ 9 0 ,3 7 5 $ 3 0 ,2 0 1 $ 3 4 ,4 6 0 0 0 0 $ 33 682 778 2 ,5 8 8 $ 5 5 ,9 1 0 $ 4 3 ,5 9 8 0 0 0 Seventy-First Annual Report 7. 8. 9. Cash and balances due from depositories......................................................... Securities................................................................................................................ Federal funds sold and securities purchased under agreements to resell....... Net loans and leases............................................................................................. Assets held in trading accounts........................................................................... Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers' liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... F ir s t S e c u r it y Bank EQUITY CAPITAL 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k .................................................................................... Common stock....................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves............................................................... Cumulative foreign currency translation adjustm ents...................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, $ 0 $ 6 00 0 4 5 0 $ 0 $ 0 $ 100 2 6 0 0 $ 0 1 ,9 2 0 1 ,0 0 0 4 ,4 0 0 550 1 ,0 0 0 140 400 2 ,5 0 0 4 ,3 6 2 2 ,1 5 8 1 ,8 2 9 98 1 ,9 9 7 1 ,8 2 6 0 9 ,3 6 2 0 3 ,1 5 8 0 2 ,9 2 9 0 4 9 8 0 4 ,3 1 7 0 5 ,3 2 6 AND EQUITY CAPITAL........................................................................ $ 99,737 $ 33,359 $ 37,389 $ 3,086 $ 60,227 $ 48,924 4^ CO ASSETS (In Thousands) M e rc h a n ts & P la n t e r s Bank _______________________________________________________________________________________S p a r k m a n F ir s t S ta te Bank B odcaw Bank Bank of S ta r C it y Th e S te p h e n s S e c u r it y Bank C it iz e n s B ank S p r i n g d a le S ta m p s S ta r C it y S te p h e n s S tro n g 13. Deposits.................................................................................................................. $ 5,560 $132,100 $ 25,851 $ 23,288 $ 21,060 $ 6,122 Federal funds purchased and securities sold under agreements to repurchase 0 5,520 200 0 795 0 Demand notes issued to U.S. Treasury............................................................... 0 0 0 0 0 0 Other borrowed m o n e y ........................................................................................ 0 0 0 0 0 0 Mortgage indebtedness and obligations under capitalized leases.................... 0 86 0 0 106 0 Bank’s liability on acceptances executed and outstanding.............................. 0 0 0 0 0 0 Notes and debentures subordinated to d e p o sits.............................................. 100 700 0 0 0 0 Other liabilities....................................................................................................... 67 2,490 403 27 216 299 TOTAL LIABILITIES........................................................................................ $ 5,727 $140,896 $ 26,454 $ 24,299 $ 21,465 $ 6,149 Limited-life preferred s to c k ................................................................................. 0 0 0 0 0 0 LIABILITIES 14. 15. 16. 17. 18. 19. 20. 21. 22. EQUITY CAPITAL 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k ..................................................................................... $ Common stock....................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves............................................................... Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, 0 $ 75 125 295 0 495 0 $ 0 $ 0 $ 0 $ 0 966 250 272 150 200 5,834 1,000 600 558 300 2,854 1,235 927 1,255 1,106 0 0 0 0 0 9,654 2,485 1,757 2,005 1,606 AND EQUITY CAPITAL......................................................................... $ 6,222 $150,550 $ 28,939 $ 26,304 $ 23,222 $ 7,755 Bank Department 668 4,245 1,050 1,647 0 8 0 0 0 0 137 7,755 Cash and balances due from depositories......................................................... $ 519 $ 11,697 $ 2,326 $ 10,839 $ 2,340 $ Securities............................................................................................................... 2,047 18,586 18,730 6,169 4,039 3. Federal funds sold and securities purchased under agreements to resell....... 350 7,300 0 0 1,500 4. Net loans and leases.............................................................................................. 2,964 108,098 7,022 8,483 14,741 5. Assets held in trading accounts............................................................................ 100 0 0 0 0 6. Premises and fixed assets (including capitalized leases).................................. 2,364 93 225 212 203 7. Other real estate owned........................................................................................ 42 48 0 201 0 8. Investments in unconsolidated subsidiaries and associated companies......... 0 55 0 0 0 9. Customers’ liability to the bank on acceptances outstanding........................... 0 0 0 0 0 10. Intangible assets................................................................................................... 0 0 0 0 0 11. Other a ssets........................................................................................................... 107 2,402 636 400 399 12. TOTAL ASSETS ( 1 through 1 1 ) .................................................................... $ 6,222 $150,550 $28,939 $ 26,304 $ 23,222 $ State of Arkansas: 1. 2. Bank of Tu ck e rm a n Tyro n za Bank & Bank Bank of Tru m a n n C it iz e n s Bank Tru st Co. P e o p le s Bank Tru st C o. S tu ttg a rt Tru m a n n Tu ck e rm a n T yro n za V a n B u re n V a n B u re n Th e F a rm e rs ASSETS (In Thousands) & M e rc h a n ts & Cash and balances due from depositories......................................................... $ 4,819$ 1,969 $ 2,753 $ Securities................................................................................................................ 20,021 20,386 5,068 Federal funds sold and securities purchased under agreements to resell....... 0 700 2,300 Net loans and leases.............................................................................................. 57,511 10,320 11,064 Assets held in trading accounts........................................................................... 0 0 0 Premises and fixed assets (including capitalized leases).................................. 2,914 534 63 Other real estate owned........................................................................................ 1,501 0 18 Investments in unconsolidated subsidiaries and associated companies......... 0 0 0 Customers' liability to the bank on acceptances outstanding........................... 0 25 0 Intangible assets................................................................................................... 0 0 0 Other assets.......................................................................................................... 2,197 846 495 TOTAL ASSETS (1 through 1 1 ) .................................................................... $88,963 $ 34,780 $21,761 $ 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits.................................................................................................................. $ 77,342 $ 30,430 $ 18,252 $ 15,212 $ 54,320 $ 57,818 Federal funds purchased and securities sold under agreements to repurchase 0 0 0 0 1,573 1,458 Demand notes issued to U.S. Treasury............................................................... 191 0 0 0 0 0 Other borrowed m o n e y ........................................................................................ 2,000 0 0 0 0 60 Mortgage indebtedness and obligations under capitalized leases.................... 0 565 0 721 0 6 Bank’s liability on acceptances executed and outstanding............................... 0 25 0 0 0 0 Notes and debentures subordinated to deposits............................................... 0 0 0 0 500 0 Other liabilities....................................................................................................... 275 531 871 1,496 197 1,025 TOTAL LIABILITIES........................................................................................ $ 81,029 $ 31,295 $ 18,843 $ 15,415 $ 57,639 $ 60,647 Limited-life preferred s to c k ................................................................................. 0 0 0 0 0 0 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k .................................................................................... $ 0 $ 0 $ 0 $ 0 $ Common stock....................................................................................................... 1,000 100 100 50 Surplus.................................................................................................................... 3,100 2,800 1,400 1,000 Undivided profits and capital reserves............................................................... 3,834 585 1,418 1,499 Cumulative foreign currency translation adjustm ents...................................... 0 0 0 0 TOTAL EQUITY CAPITAL (sum of items 23-27) ......................................... 7,934 3,485 2,918 2,549 TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL................................................................................... $ 88,963 $ 34,780 $ 21,761 $ 17,964 $ 6,759 $ 4,624 $ 3,538 8,084 3,305 14,707 650 0 300 7,258 40,519 50,564 0 0 0 1,632 1,272 70 163 146 55 0 0 0 0 0 0 0 0 0 1,381 1,412 217 17,964 $62,666 $66,026 LIABILITIES EQU ITY CAPITAL 0$ 0 400 829 2,100 1,393 2,527 3,157 0 0 5,027 5,379 62,666 $ 66,026 Seventy-First Annual Report 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. Bank of Waldo Waldo ASSETS (In Thousands) 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits.................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury............................................................... Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations undercapitalized leases.................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to d e p o s its.............................................. Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................. 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k ..................................................................................... Common stock....................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves.............................................................. Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, The Scott County Bank Waldron First State Warren Bank Bank of & Trust Warren Company Warren Warren 333 $ 5,498 $ 5,940 $ 2,152 $ 10,465 $ 4,569 530 5,653 13,156 1,627 18,098 40,471 1,165 0 0 200 50 0 9,867 27,362 20,239 20,274 27,037 7,640 0 0 0 0 0 0 371 804 0 243 307 138 72 52 69 0 0 136 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 127 1,620 851 1,295 123 500 $ 9,069 $ 22,382 $ 47,666 $ 24,792 $ 50,555 $ 74,570 $ LIABILITIES $ 8,393 $ 19,083 $ 41,320 $ 22,504 $ 44,239 $ 64,063 0 0 1,242 600 0 2,465 0 0 0 0 0 230 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 125 189 553 218 626 1,056 $ 8,518 $ 19,272 $ 42,473 $ 22,722 $ 46,107 $ 67,814 0 0 0 0 0 0 EQUITY CAPITAL $ 0$ 0 $ 0 $ 0 0$ 0 $ 250 150 590 1,200 600 400 250 1,910 1,200 250 1,900 1,100 2,610 1,948 151 2,693 570 4,356 0 0 0 0 0 0 3,110 4,448 551 2,070 6,756 5,193 AND EQUITY CAPITAL......................................................................... $ 9,069 $ 22,382 $ 47,666 $ 24.792 $ 50,555 $ 74,570 Bank Department Cash and balances due from depositories......................................................... Securities................................................................................................................ Federal funds sold and securities purchased under agreements to resell....... Net loans and leases.............................................................................................. Assets held in trading accounts............................................................................ Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers' liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... Bank of Waldron Waldron State of Arkansas: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. The Peoples Bank Waldo Bank of W e in e r ASSETS (In Thousands) W e in e r Cash and balances due from depositories......................................................... Securities................................................................................................................ Federal funds sold and securities purchased under agreements to resell....... Net loans and leases............................................................................................. Assets held in trading accounts........................................................................... Premises and fixed assets (including capitalized leases).................................. Other real estate owned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... Customers’ liability to the bank on acceptances outstanding........................... Intangible assets................................................................................................... Other a ssets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury.............................................................. Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases.................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to deposits.............................................. Other liabilities...................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ................................................................................. 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k .................................................................................... Common stock...................................................................................................... Surplus................................................................................................................... Undivided profits and capital reserves............................................................... Cumulative foreign currency translation adjustm ents..................................... TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. $ 1,789 10,606 0 15,590 0 154 11 0 0 0 1,111 $29,261 & 'W e s t Bank o f W est M e m p h is H e le n a W . M e m p h is $ 6,522 $ 4,567 $ 23,022 32,095 0 2,900 37,522 16,926 0 0 881 948 112 0 0 0 0 0 0 0 1,788 1,198 $ 69,847 $ 58,634 $ W ilm o t S ta te B ank B ank of W ils o n C ro s s C o u n ty B ank W ilm o t W ils o n W yn n e 1,561 $ 1,998 $ 2,300 164 5,049 27,129 2,500 1,400 2,685 5,972 25,088 3,913 0 0 0 21 753 84 57 0 0 0 0 0 0 0 0 0 0 0 1,484 365 160 8,567 $ 14,805 $ 59,311 LIABILITIES $25,358 $59,648 $51,908 $ 7,352 $ 12,294 $52,326 0 3,514 0 0 0 960 0 0 0 0 0 169 0 1,500 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 694 455 376 75 117 659 $25,813 $65,356 $52,284 $ 7,427 $ 12,411 $54,114 0 0 0 0 0 0 EQUITY CAPITAL $ 0 $ 0 $ 200 500 1,300 1,000 1,948 2,991 0 0 3,448 4,491 $29,261 $ 69,847 $ 0$ 0 $ 1,000 120 1,500 755 3,850 265 0 0 6,350 1,140 58,634 $ 8,567 $ 0 $ 0 1,500 100 1,000 1,000 1,294 2,697 0 0 2,394 5,197 14,805 $ 59,311 Seventy-First Annual Report 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. M e rc h a n ts F a rm e rs Bank ASSETS (In Thousands) Th e Bank of Y e llv ilie Y e llv ille 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits.................................................................................................................. Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury............................................................... Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations under capitalized leases.................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to d e p o sits............................................... Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ Limited-life preferred s to c k ......... ....................................................................... 23. 24. 25. 26. 27. 28. 29. Perpetual preferred sto c k ..................................................................................... $ 0 Common stock....................................................................................................... 208 Surplus.................................................................................................................... 1,590 Undivided profits and capital reserves............................................................... 714 Cumulative foreign currency translation adjustm ents...................................... 0 TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... 2,512 TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL................................................................................... $43,131 LIABILITIES $39,574 700 0 0 0 0 0 345 $40,619 0 EQUITY CAPITAL Bank Department Cash and balances due from depositories......................................................... $ 8,670 Securities................................................................................................................ g ’224 Federal funds sold and securities purchased under agreementsto resell........ 7 Net loans and leases.............................................................................................. 23,217 Assets held in trading accounts............................................................................ 0 Premises and fixed assets (including capitalized leases).................................. 1,007 Other real estate owned........................................................................................ 242 Investments in unconsolidated subsidiaries and associated companies......... o Customers’ liability to the bank on acceptances outstanding........................... 0 Intangible assets................................................................................................... 0 Other assets........................................................................................................... 764 TOTAL ASSETS (1 through 1 1 ) .................................................................... $43,131 State of Arkansas: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. cn 4* Seventy-First Annual Report SEVEN TY-FIR ST A N N U A L REPORT showing TH E CO N D ITIO N OF TH E 2 ARKANSAS STATE-C H ARTER ED TR U S T COMPANIES (Not engaged in commercial banking) ASSETS AND LIBABILITIES ARE AS SHOWN BY TH E CALL OF JUN E 30, 1985 55 ASSETS (In Thousands) Cash and balances due from depositories......................................................... $ 3,623 Securities................................................................................................................ 7,715 0 Federal funds sold and securities purchased under agreements to resell....... 1,303 Net loans and leases.............................................................................................. 0 Assets held in trading accounts............................................................................ Premises and fixed assets (including capitalized leases).................................. 2 0 Other real estate ow ned........................................................................................ Investments in unconsolidated subsidiaries and associated companies......... 0 0 Customers’ liability to the bank on acceptances outstanding........................... 0 Intangible assets................................................................................................... 284 Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... $ 12,927 Metropolitan Trust Company N. L. Rock $ $ 419 20 0 0 0 0 205 0 0 0 49 693 LIABILITIES Deposits.................................................................................................................. $ Federal funds purchased and securities sold under agreements to repurchase Demand notes issued to U.S. Treasury............................................................... Other borrowed m o n e y ........................................................................................ Mortgage indebtedness and obligations undercapitalized leases.................... Bank’s liability on acceptances executed and outstanding.............................. Notes and debentures subordinated to d e p o sits.............................................. Other liabilities....................................................................................................... TOTAL LIABILITIES........................................................................................ $ Li mi ted-life preferred s to c k ................................................................................. 23. 24. 25. 26. 27. 28. 29. EQUITY CAPITAL 0 Perpetual preferred s to c k ..................................................................................... $ 100 Common stock....................................................................................................... 10,000 Surplus.................................................................................................................... 2,693 Undivided profits and capital reserves............................................................... 0 Cumulative foreign currency translation adjustm ents..................................... 12,793 TOTAL EQUITY CAPITAL (sum of items 2 3 -2 7 )......................................... TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. $ 12,927 0 0 0 0 0 0 0 134 134 0 $ $ 0 0 0 0 0 0 0 271 271 0 $ 0 164 33 225 0 422 $ 693 Bank Department 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. State of Arkansas: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. Jones Investment & Trust Co. Little Rock Seventy-First Annual Report SEVEN TY-FIR ST A N N U A L REPORT showing TH E C O N D ITIO N OF TH E 3 ARKANSAS STATE-C H ARTER ED INDU STRIAL LOAN IN S TITU TIO N S (Not engaged in commercial banking) ASSETS AND U SAB ILITIES ARE AS SHOWN BY TH E CALL OF JUN E 30, 1985 57 ASSETS (In Thousands) S o u th e rn G r e d it C o rp o ra tio n H a ll m a r k N a t io n a l Loan & C r e d it In v e s tm e n t C o rp o ra tio n C o rp o ra tio n M a lv e r n N . L. R o c k 00 P in e B lu ff 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Deposits.................................................................................................................. $ 7,820 $ 8,108 $ 10,863 Federal funds purchased and securities sold under agreements to repurchase 0 0 0 Demand notes issued to U.S. Treasury............................................................... 0 0 0 Other borrowed m o n e y ........................................................................................ 0 97 0 Mortgage indebtedness and obligations under capitalized leases................... 0 0 0 Bank’s liability on acceptances executed and outstanding.............................. 0 0 0 Notes and debentures subordinated to d e p o sits.............................................. 0 0 0 Other liabilities....................................................................................................... 115 10 242 TOTAL LIABILITIES........................................................................................ $ 7,935 $ 8,215 $ 11,105 Limited-life preferred s to c k ................................................................................. 0 0 0 23. 24. 25. 26. 27. 28. 29. Perpetual preferred s to c k .................................................................................... $ 0$ Common stock...................................................................................................... 242 Surplus................................................................................................................... 458 Undivided profits and capital reserves............................................................... 313 Cumulative foreign currency translation adjustments ..................................... 0 TOTAL EQUITY CAPITAL (sum of items 23-27) ......................................... 1,013 TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL.................................................................................. $ 8,948$ LIABILITIES EQUITY CAPITAL 0 3$ 245 125 269 1,125 92 (750) 0 0 609 500 8,824 $11,605 Bank Department Cash and balances due from depositories......................................................... $ 1,133$ 1,056 $ 1,631 3,597 0 0 Securities................................................................................................................ 350 475 600 Federal funds sold and securities purchased under agreements to resell....... 3,639 6,803 8,411 Net loans and leases.............................................................................................. 0 0 0 Assets held in trading accounts........................................................................... 27 194 271 Premises and fixed assets (including capitalized leases).................................. 58 159 320 Other real estate owned........................................................................................ 0 0 0 Investments in unconsolidated subsidiaries and associated companies......... 0 0 0 Customers' liability to the bank on acceptances outstanding........................... 0 0 0 Intangible assets................................................................................................... 144 137 372 Other assets.......................................................................................................... TOTAL ASSETS (1 through 1 1 ) .................................................................... $ 8,948$ 8,824 $ 11.605 State of Arkansas: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. cn Seventy-First Annual Report 59 SEVEN TY-FIR ST A N N U A L REPORT showing The location, Chief Executive Officer and Charter Date of the 181 Arkansas State-Chartered Banks, 2 Trust Companies and 3 Industrial Loan Institutions. STATE BANKS Commercial Bank at Alma ......................................Hilda K n ig h t................... Bank of A m ity ............................................................ Cleda O ld s ..................... Citizens First State B a n k .......................................... R. Edward Snider, Jr. Elk Horn Bank & Trust Company............................. Larry C. W h itle y ............. Merchants & Planters Bank & Trust Company . . . .Millard E. A u d ................ Bank of A tk in s .......................................................... David M. M itc h e ll.......... Bank of A ugusta........................................................Woody Castleberry Citizens State B ank................................................... Mrs. Juanita Litzelfelner The Citizens B ank..................................................... T. G, V in s o n ................... Bank of Bearden........................................................John E. A n th o n y............ Citizens B a n k ............................................................ E. H. Abington, II .......... First State B a n k ........................................................Garland Kirkpatrick . . . Benton State B a n k ................................................... Brooks M orris................. The Union Bank of Benton ......................................Greg Brown ................... Bank of Bentonville................................................... Burton E. Stacy............... Bank of Blevins ........................................................Mike S tephens............... Farmers Bank & Trust Com pany............................. James L. M agee............ Citizens B a n k ............................................................ Jeral L. H a m p to n .......... The Bank of B ra d le y................................................. Lane P ie rc e ................... Bank of B rin kle y........................................................A. H. Rusher................... Bank of C abot............................................................ James M. P a rk ............... First State B a n k ........................................................H. Davey W yatt............... Caraway B ank............................................................ Amos D a v id ................... Citizens Bank & T ru s t...............................................M. S. W o o d ru ff............... Bank of Cave C ity ..................................................... James M. S tre e t............ American State B a n k ...............................................Joe S. H ia tt..................... Bank of Cherry V a lle y ...............................................W. M. Smith, I I I ............... The Merchants and Planters B ank...........................J. Perry Lee ................... Arkansas State B ank................................................. Jefferson H a n e y............ Farmers Bank & Trust C om pany............................. Joe A. W oodson............ Clinton State B a n k ................................................... Dyke Johnson................. Atkins ......... Augusta Bald Knob . . Batesville . . . Bearden Beebe ......... B enton......... Bentonville . . Blevins BlytheviIle . . Booneville . . Bradley Brinkley C abot......... . Calico Rock , Caraway Carlisle Cave City . . Charleston . Cherry Valley Clarendon . Clarksville . Clinton . . . . CHIEF EXECUTIVE OFFICER CHARTERED DATE January 31, 1910 November 30, 1905 May 24, 1977 September 28, 1903 June 15, 1911 September 19, 1895 February 20,1935 January 22, 1931 February 19, 1953 June 17, 1945 June 21, 1917 April 20, 1981 February 9, 1934 January 11, 1954 February 25, 1931 August 12, 1912 March 16, 1908 April 18, 1910 April 10, 1933 January 17, 1903 March 23, 1903 May 1, 1914 November 29, 1962 December 22, 1930 July 2, 1906 June 29, 1910 January 24, 1907 July 23, 1890 March 8, 1967 July 6, 1978 October 16, 1946 Bank Department NAME OF BANK State of Arkansas: LOCATION A lm a ......... Amity Arkadeiphia cr> o i James G. Williamson . . . . Kelly G. W rig h t.................. M. Gerald Holland ........... John Ed Chambers, Jr. Carl G. Holt ...................... H. M. Orsburn.................... Vernon Austin.................... Olen H e n d rix .................... Art M e lso n ......................... James S. Suitt .................. Tom H. G rum bles............. Sherod S. W h ite ................ B. Gene S ta to n .................. Thomas Rofkahr................ James R. H a ll.................... Claud T. F ra n k .................. J. E. Brooks ...................... Mary Louise Demoret Fiser J. Thomas M a y .................. Joel L. B u n c h .................. . Seth Boles, Jr..................... Kaye L. W o o d .................. . Carl W. Ray........................ John F. C ro s s .................. . A. L. Hoaney...................... Hayden M c llr o y ............... Dale A. Renaud................. Curtis Hutchins ............... Frankie P r a t t .................... Larry E. B a u e r.................. Victor H. C o x .................... Harold H. R e id .................. John R. M eade.................. Betty J. W ilkinson.............. February 8, 1946 June 15, 1984 May 13, 1963 October 3, 1930 August 29, 1961 September 12, 1934 May 27, 1954 June 16, 1911 August 26, 1974 July 8, 1935 October 15, 1976 January 20, 1902 March 1, 1929 September 29, 1905 January 11, 1974 May 9, 1909 April 24, 1947 December 30, 1947 August 12, 1933 June 1, 1912 August 23, 1898 January 14, 1931 December 23, 1930 May 4, 1912 February 5, 1901 December 24, 1892 May 18, 1973 January 5, 1931 April 15, 1921 January 13, 1967 December 27, 1912 January 6, 1964 February 28, 1898 August 7, 1907 Seventy-First Annual Report Conway .....................................First State Bank and Trust Company . . . C o rn in g .....................................The Corning B ank..................................... C rossett.....................................First State B a n k ....................................... D a n v ille .....................................Danville State Bank................................... D ardanelle................................ Arkansas Valley B a n k .............................. Bank of Dardanelle.................................. D e c a tu r.....................................Decatur State B ank................................... D elight.......................................Bank of Delight......................................... D eQ ueen.................................. First State Bank of DeQueen................... D e rm o tt.....................................Dermott State Bank ................................ First State Bank of D erm ott.................... Des A r c .....................................Farmers & Merchants Bank..................... D e W itt....................................... DeWitt Bank & Trust C om pany............... D over......................................... Bank of Dover........................................... D um as.......................................Dumas State B a n k ................................... Merchants and Farmers B a n k ................ E a r le ......................................... Earle State B a n k....................................... Elaine........................................ The Delta State B ank................................ El D orado.................................. The Exchange Bank and Trust Company E lkins......................................... Bank of Elkins ......................................... E ngland .................................... Bank of England....................................... The Citizens B ank.................................... E udora....................................... The Eudora B a n k ..................................... Eureka S prings......................... Bank of Eureka Springs............................ Evening S h a d e ......................... Bank of Evening Shade............................ Fayetteville................................Mcllroy Bank & T r u s t.............................. F lip p in ....................................... Citizens Bank and Trust Company.......... F o rd yce .....................................Fordyce Bank & Trust C o m p a n y............ Forrest City ..............................Planters Bank and Trust Company . . . . G illett......................................... Planters and Merchants B a n k.................. Glenwood.................................. The Bank of Glenwood............................. Gould......................................... First State B a n k ........................................ Gravette.....................................Bank of G ra v e tt........................................ Greenwood................................ Farmers Bank .......................................... STATE LOCATION NAME OF BANK November 6, 1905 August 4, 1900 March 10, 1941 October 26, 1906 December 2, 1930 November 20, 1931 May 12, 1983 December 16, 1930 May 25, 1977 March 12, 1903 May 15, 1905 April 18, 1907 October 12, 1972 August 2, 1949 March 24, 1903 February 14, 1904 July 25, 1919 December 22, 1976 January 7, 1932 May 29, 1913 August 28, 1933 Februay 17, 1922 August 22, 1904 April 7, 1911 October 14, 1937 June 12, 1962 May 5, 1910 January 23, 1951 November 21, 1919 April 17, 1948 August 25, 1911 March 19, 1903 August 29, 1955 May 31, 1985 March 9, 1935 r\> Bank Department Joyce D. Straughn Roy A. Reaves ............. Guy H u m p h rie s........... Searcy Harrell, Sr.......... James W illia m s ........... Wayne C lark.................. Jerry M. D y e r................ Jerome Johnson........... Thomas E. Propes, Jr. . . Thomas M. Hargrove . . C. E. Hendrix, Jr............. Cecil W. Cupp, Jr........... Amos D a v id .................. Kenneth Pat Wilson . . . Carl G. H o l t .................. Sloan Rainwater........... Herbert H. McAdams, II J. C. Vaughn, Jr........... . George F. Delaney, J r.. , Jim E m finger................ John F. Marsh ............. Roger Q. M ills................ William Cain Lyon......... Gary W. B u n c h .............. Hermon C a rlto n ........... Fred P. Michael ........... James N. Patterson . . . J. Lee Bearden............. Grady Watkins, Jr.......... Neil W ilk in s .................. Charles H. M o o re ......... Loyd R. S w o p e ............. James C. East ............. Ray H a m b ric k ............. Charles E. Ford............. CHARTERED DATE State of Arkansas: G riffithville................................ The First B a n k ................................ Gurdon ..................................... Clark County B a n k ......................... H am burg...................................Farmers Bank ................................ H a m p to n ...................................Calhoun County B a n k..................... H arrisburg................................ The Bank of H a rris b u rg ................ Harrison..................................... The Security B a n k ......................... H a z e n ....................................... Hazen First State B a n k ................... Heber S p rin g s ......................... The Cleburne County B a n k ............ Heber Springs State B a n k ........... Holly Grove ..............................Bank of Holly G ro v e ....................... Horatio ..................................... Horatio State B a n k ......................... Hot S p rin g s .............................. Arkansas Bank and Trust Company Im b o d e n ...................................Bank of Im b o d e n .......................... Jacksonville.............................. First Jacksonville B a n k................. J a s p e r....................................... Newton County B a n k ................... Jo n e sb o ro ................................ Bank of Northeast Arkansas . . . . Citizens Bank of Jonesboro......... Simmons First Bank of Jonesboro Mercantile B a n k........................... Judsonia .................................. Farmers and Merchants Bank . . . Junction C it y ............................Union State B a n k .......................... K e n s e tt.....................................Bank of K e n s e tt............................ Kingsland...................................Pine State B a n k ............................ Kingston .................................. Madison Bank and T rust.............. Lake V illa g e ..............................Bank of Lake V illage..................... Simmons First Bank of Lake Village Lavaca....................................... Citizens Bank of Lavaca.............. Leachville ................................ Leachville State B a n k................... Lepanto.....................................Little River B a n k............................ Leslie......................................... Leslie State B a n k .......................... Lew isville.................................. Peoples Bank and Loan Company Lincoln .....................................Bank of L in c o ln ............................ Little R o c k ................................ Pulaski Bank and Trust Company Lo cke sb u rg ..............................Bank of Lockesburg..................... Lonoke....................................... First State B a n k ............................ O') CHIEF EXECUTIVE OFFICER i Bob L. B u rn s ......... Paul L. O ffu tt......... William 0. Pace . . . Max H. Schrader . . Richard D. Foster . . William J. McClain . William R. Reynolds John A. Brunner, Jr. Neil A. Wilkins Gibson Turley......... I. N. A r n o f.............. Bill Bowman ......... Cole Martin ........... Bill L. W o o d ........... Revis G. Stewart . . . Bennie Ryburn, Sr. . John A. McClelland Jim H. W ilcox......... September 26, 1906 June 24, 1889 February 8, 1921 March 16, 1948 February 16, 1939 January 9, 1942 March 15, 1938 March 3, 1932 February 26, 1940 January 8, 1903 June 18, 1903 December 5, 1933 July 29, 1896 July 25, 1934 December 29, 1936 November 29 1912 September 15, 1915 November 26, 1930 Mountain H o m e .......................Peoples Bank and Trust Company Mountain V ie w ......................... Bank of Mountain View ....................... . Mount Ida ................................ The Bank of Montgomery County M u lb e rry .................................. Bank of M u lb e rry.................................. M urfreesboro........................... Pike County B a n k.................................. N e w a rk .....................................Bank of N e w a rk..................................... N ew port.....................................The First State Bank of N ew port.......... Merchants and Planters B a n k............. North Little Rock .....................The Twin City Bank .............................. O sceola.....................................The Planters B a n k ................................ O zark......................................... The Bank of O z a rk ................................ Paragould ................................ Security Bank ....................................... Parkdale .................................. Bank of P arkdale.................................. P a rk in .......................................First State B a n k ..................................... Pea Ridge.................................. Bank of Pea R id g e ................................ P erryville.................................. The Perry County B a n k......................... P iggott.......................................Piggott State B a n k ................................ P lainview .................................. First State B a n k ..................................... Larry G. Nelson Charles A. Lowe Daniel C. Horton Betty Feller ........... Charles W. Sharp . . , Pat Lea .................. Jeriel A. Summitt . . , Jim S. Gowen......... T. E. Renaud ......... . Jim H in k le .............. George G. Gleason, II William B. Fisher . . J. A. G ib s o n ........... S. N. Green ........... Tim Summers Tom M a th ia s ......... . James L. Magee John Clement......... . August 10, 1906 July 21, 1915 November 26, 1930 January 15, 1902 December 19, 1904 October 10, 1944 July 6, 1978 March 30, 1946 March 21, 1935 April 13, 1944 June 9, 1937 February 5, 1931 February 1, 1910 June 5, 1925 May 6, 1911 December 8, 1945 March 10, 1930 January 12, 1934 Seventy-First Annual Report M a g n o lia .................................. Farmers Bank and Trust Company . . . M a lve rn .................................... Bank of Malvern.................................... Mammoth S p rin g s .................. Peoples B a n k......................................... M a n ila .......................................Merchants and Planters B a n k.............. M ansfield.................................. Bank of Mansfield ................................ M arianna.................................. Farmers and Merchants Bank.............. M arion.......................................Citizens B ank......................................... Marked Tree ............................Marked Tree B a n k ................................ M arshall.................................... The Citizens Bank ................................ Marvell .....................................Bank of Marvell .................................... McCrory.....................................Bank of McCrory .................................. M cG ehee.................................. McGehee Bank....................................... M elbourne................................ The Bank of North Arkansas................ M e n a ......................................... The Union B a n k.................................... M onette.....................................Monette State B a n k .............................. M o n tic e llo ................................Commercial Bank and Trust Company Union Bank and Trust Company......... M o rrilto n .................................. The First State B a n k ............................. cn co STATE BANKS LOCATION NAME OF BANK CHARTERED DATE Harry A. B e lfo rd ............................. October 31, 1903 Robert E. S o r g ................................August 10, 1962 Sloan Rainwater, Jr..........................March 23, 1901 Tipton P u g h ....................................January 22, 1908 Mack Borgognoni...........................April 23, 1900 James C .R ie ff............................... August 29, 1904 John Warren Brannan, Sr................August 10, 1904 Mary H. Sigsby................................November 15, 1930 William A. Sandlin ......................... Decembr 8, 1911 James R. H opson........................... March 7, 1932 William E. Butler, Jr.........................March 13, 1956 Ward J. Ram say............................. March 24, 1890 Frank B. B urge............................... December 9, 1908 Joe F ritsch e ....................................April 7, 1926 Reynie Rutledge............................. February 6, 1932 D. E. McCoy, Jr.................................July 29, 1903 Al H a rk in s ...................................... July 28, 1966 Charles W. M asner.........................September 12, 1912 Ross S to u t...................................... January 12, 1960 Max A. M itc h a m ............................. April 18, 1928 Tyrol Q. Carson ............................. September 19, 1916 Waiter Turnbow.............................. February 12, 1923 James Nipper ................................December 8, 1902 Bennie F. Ryburn, Jr........................April 27, 1925 James M. Morgan...........................February 8, 1946 0. B. C la rk ...................................... January 19, 1931 Don P a ttillo ....................................December 29, 1944 Clyde Robertson, Jr.........................October 2, 1911 Lindley V. Smith, Jr......................... November 8, 1902 Charles R. L u te r............................. October 31, 1951 Robert A. Hammerschmidt, Jr. . . . May 20, 1910 William W. Thomas.........................August 12, 1933 Charles W. J o y c e ........................... September 2, 1899 Harold Fincher............................... June 22, 1910 Bank Department CHIEF EXECUTIVE OFFICER State of Arkansas: Pocahontas............................. Bank of Pocahontas...................... Planters and Stockmen Bank . . . Portia.........................................The Lawrence County Bank . . . . Portland.................................... The Peoples Bank ........................ Portland B a n k ............................. Prairie Grove ........................... Farmers and Merchants Bank . . . P rescott.....................................Bank of Prescott............................ R e c to r.......................................The Bank of Rector........................ Reyno ....................................... Farmers and Merchants Bank . . . R ison......................................... The Bank of R is o n ....................... Rogers.......................................Farmers and Merchants Bank . . . Russellville................................Peoples Bank and Trust Company Salem ....................................... Bank of S a le m .............................. S c ra n to n .................................. Logan County Bank ...................... S earcy.......................................First Security B a n k ........................ S h e rid a n .................................. Grant County B a n k ........................ Sherwood................................... First State B a n k ........................... S id n e y.......................................Bank of Sidney............................... Siloam Springs......................... Arkansas State Bank ................... Smackover................................Smackover State B a n k ................. S p a rk m a n ................................Merchants and Planters Bank Springdaie ............................... First State B a n k.............................. S ta m p s .................................... Bodcaw B a n k ................................. Star C ity.....................................Bank of Star City .......................... S tephens..................................The Stephens Security Bank . . . . S tro n g ...................................... Citizens B a n k................................. S tuttgart....................................The Farmers and Merchants Bank T ru m a n n ..................................Bank of T ru m a n n .......................... Tuckerman ..............................Bank of T u c k e rm a n ..................... T yro n za ....................................Tyronza B a n k................................. Van B u re n ............................... Citizens Bank and Trust Company Peoples Bank and Trust Company Waldo ....................................... Bank of W a ld o .............................. The Peoples Bank ...................... cn Waldron Bill R. P hilpot........... John E. Chambers, III Freddie M. Mobley . . Gerard Sangster John R. H o g u e ......... Douglas Simmons . . Jack K. H o g a n ......... Kenneth M. Allbritton Bill Payne ................ Ken McClanahan . . . James N. Thomason . April 3, 1901 February 20, 1980 December 12, 1978 December 28, 1901 April 2, 1909 October 4, 1948 April 21, 1928 October 25, 1937 October 3, 1908 June 5, 1891 December 13, 1945 CHIEF EXECUTIVE OFFICER CHARTERED DATE TR U ST COMPANIES LOCATION NAME OF INSTITUTION ......... Bernice J o n e s .......................... . . . February 9, 1910 Little R o c k .................. North Little Rock . . . . INDUSTRIAL LOAN IN STITU TIO N S LOCATION NAME OF INSTITUTION CHIEF EXECUTIVE OFFICER Seventy-First Annual Report . Bank of Waldron......... The Scott County Bank W arren....................................... First State Bank of Warren .......... Warren Bank and Trust Company W einer.......................................Bank of Weiner.............................. West Helena..............................Merchants and Farmers Bank .. . West M em phis.........................Bank of West M em phis................. W ilm o t.......................................Wilmot State B a n k ....................... W ils o n ...................................... Bank of W ilson.............................. W ynne ...................................... Cross County B a n k ........................ Y e llv ille .................................... The Bank of Yellvtlle..................... CHARTERED DATE M a lve rn .....................................Southern Credit Corporation.................................... W. H. M c C lu re ................................. October 9, 1959 North Little Rock .....................Hallmark Loan and Investment Corporation............A. J. Gornatti ................................... October 21, 1927 Pine B lu ff...................................National Credit Corporation .....................................Albert F. O tte n .................................April 13, 1941 cr> cn 66 State of Arkansas: Bank Department Seventy-First Annual Report 67 68 State of Arkansas: Bank Department
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