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Seven ty-Thi rd Annua l REPORT OF THE BANK COMMISSIONER OF ARKANSAS 1987 BILL CLINTON Governor MARLIN D. JACKSON Bank Commissi oner FOR THE YEAR ENDED JUNE 30, 1987 2 State of Arkansas: Bank Department STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT August 31, 1987 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 67111, Arkansas Statutes of 1947), I submit for your consideration and information the Seventy-third Annual Report of the State Bank Department for the fiscal year ended June 30, 1987. The financial and statistical information contained in this report has been compiled from the Reports of Condition submitted by the statechartered banks to this office. At June 30, 1987, there were 173 state-chartered commercial banks, 2 Trust companies, 3 Industrial Loan Institutions, and 1 non-profit organization for a total of 179 financial institutions. The assets of the state banks totaled $8,228,057,000 at June 30, 1987. Total assets this time last year were $7,888,280,000- a dollar increase of $339,777,000 or 4.31%. During the past fiscal year two state-chartered banks converted to a national charter. They were: First State Bank, Calico Rock and Bank of Waldo, Waldo. Two mergers occurred during the fiscal year between First National Bank, Gurdon and Clark County Bank, Gurdon, changing it's name to First State Bank of Gurdon, Gurdon; and The First Bank, Griffithville merged into First Security Bank, Searcy, it is now known as a branch of First Security Bank, Searcy. The State Bank Department performed 95 commercial bank examinations, 30 bank visitations, 12 trust department examinations and 40 bank holding company examinations during the 86-87 fiscal year. Numerous investigations were initiated as a result of citizens' complaints or inquiries. Respectfully, MARLIN D. JACKSON Bank Commissioner Seventy-Third Report 3 LEGAL HOLIDAVS New Year's ...............................................................................................January 1 Robert E. Lee's Birthday ................................................. Third Monday in January Martin Luther King's Birthday ......................................... Third Monday in January George Washington's Birthday ...................................... Third Monday in February Memorial Day .......................................................................... Last Monday in May Independence Day ......................................................................................... July 4 Labor Day .......................................................................................First Monday in September Veteran's Day .................................................................................... November 11 Thanksgiving Day ..................................................................... Fourth Thursday in November Christmas Eve ....................................................................................December 24 Christmas Day ................................................................................... December 25 All Bills of Exchange, Drafts, or Promissory Notes, which shall become payable on a legal holiday shall be payable on the day next succeeding such holiday. In case any legal holiday falls on Sunday, the next succeeding Monday shall be a holiday in its stead. 4 State of Arkansas: Bank Department COMMISSIONERS OF THE STATE BANK DEPARTMENT STATE OF ARKANSAS No. Name Date of Appointment 1. John M. Davis ..................... October 6, 1913 2. A. J. Reap ........................... October 3, 1918 3. W. T. Maxwell ...................... March 22, 1919 4. Charles McKee ............... September 1, 1921 5. Loid Rainwater ......................... July 28, 1925 6. Walter E. Taylor ................. February 8, 1927 7. Marion Wasson ................. January 10, 1933 8. Grover S. Jernigan ........... January 12, 1937 9. Thomas W. Leggett .......... January 14, 1941 10. S. J. Dean .......................... February 1, 1949 11. Ed. I. McKinley, Jr. .......... December 1, 1949 12. A. R. Merritt ......................... March 14, 1953 13. Dick Simpson ..................... February 8, 1955 14. H. C. Adams .......................... March 3, 1967 15. Don R. Clark (Acting) .......... March 16, 1979 16. B. J. Lambert, Jr ..................... April 19, 1979 17. Marlin D. Jackson ................... April 15, 1983 Date Service Ended 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 Seventy-Third Report 5 DEPARTMENTAL ROSTER Marlin D. Jackson ................................................................... Bank Commissioner Don R. Clark ........................................................... Assistant Bank Commissioner Ronny A. Clay ......................................................... Assistant Bank Commissioner Candace A. Franks ................................................................ Department Attorney Larry D. Teeter .............................................................. .Data Center Administrator Gregory M. Stewart ............................................................... Bank Chief Examiner Jacqulin J. Dicus .............................................. Director of Administrative Services Patricia L. Wallis ................................................................................ Accountant II Bettye Wooley .......................................................................... Executive Assistant Brenda L. Strachan ......................................................... Administrative Assistant I Lisa K. Phillips ................................................... Management Support Technician Eloise Williams ............................................................................... Legal Secretary Cynthia L. Nixon ...................................................................................... Secretary E. Arminda Beaver ................................................................................... Secretary Doris F. Willbanks .................................................................................... Secretary AREA SUPERVISORS Larry M. Hillyard Stephen L. Bryan W. Keith Melson H. Wilks Marshall, Jr. Luther Guinn FINANCIAL EXAMINER SUPERVISOR William A. Whitmore William R. Milum Mark R. Ryan Kirk L. Lee Dianne Curry Carolyn J. Paschal Peter G. Fotioo David W. Dudley FINANCIAL EXAMINER II Neal T. Ainley R. Bruce Branch, Jr. James M. Franklin, Jr. William 0. Hall Julian E. Rainey M. Diane Wright Richard D. Buzbee R. Brannon Sloan, Jr. Gary G. Kleck 6 State of Arkansas: Bank Department FINANCIAL EXAMINER I Michael L. Neal H. R. "Chip" Dortch, Jr. John B. Frazer Troy D. Duke Nathan E. Gairhan, Jr. FINANCIAL EXAMINER TRAINEE Robert R. Wilcox Luke B. Webre Polly A. Jenkins Ike M. McEntire EDP EXAMINER Beth A. Wrick STATE BANKING BOARD Franklin Collier, Chairman ......................................................................... Augusta Bill J. Ford, Vice Chairman ........................................................................ Camden T. E. Patterson ........................................................................................Little Rock Mrs. Betty Wilkinson ............................................................................. Greenwood Douglas Simmons ............................................................................... West Helena Robert M. Hill ............................................................................................ Perryville Don R. Clark, Secretary .......................................................................... Little Rock OFFICE STATE BANK DEPARTMENT Tower Building, Suite 500 323 Center Street Little Rock, Arkansas 72201-2613 Telephone: (501) 371-1117 7 Seventy-Third Report The following is a statement showing the receipts and disbursements of the State Bank Department from July 1, 1986 through June 30, 1987. RECEIPTS Cash Balance June 30, 1986 ....................... . Examination and Assessment Fees ............. . 2,330,034.38 6,243.20 Charter and Amendment Fees ..................... . Teller's Facility Application and all 15,000.00 Protest Fees .............................................. . 1,769.85 Miscellaneous Fees ...................................... . 2,172.40 Reimbursement for M & R Sales ................. . 168.16 Warrant Cancellations .................................. . 2,201.77 Refund to Expenditure (Old Year) ................ . 3,363.20 Refund to Expenditure .................................. . $1,538,127.05 2,360,952.96 $3,899,080.01 DISBURSEMENTS Salaries ......................................................... . 1,163,273.38 517,772.47 Maintenance and General Operations ......... . 188,415.99 S.S., Retirement and Insurance Matching ... . 32,350.00 Professional Services and Fees ................... . 64,933.92 Conference Fees and Travel. ....................... . Capital Outlay ................................................ 71,293.12 1,249.50 Proceeds from M & R ................................... . 35,269.16 Service Charge by State Treasurer ............. . Cash Balance June 30, 1987 ....................... . 2,074,557.54 1,824,522.47 $3,899,080.01 8 State of Arkansas: Bank Department THE ARKANSAS BANKERS ASSOCIATION BOARD OF DIRECTORS 1987-88 President ...................................... WAYNE HARTSFIELD, President First National Bank, Searcy First Vice President ...................... SLOAN RAINWATER, Chairman & President Bank of Northeast Arkansas, Jonesboro Second Vice President................. H. E. HENSON JR., Chairman & President The City National Bank of Fort Smith Treasurer ...................................... ALBERT H. RUSHER, President Bank of Brinkley H. C. CARVILL, Executive Director The Arkansas Bankers Association, Little Rock To 1988 ........................................ CURTIS HUTCHINS, Chairman & President Fordyce Bank & Trust Company C. W. KELLY, President Citizens National Bank, Hope To 1989 ........................................ MICHAEL F. FLYNN, President American State Bank, Charleston ALBERT H. RUSHER, President Bank of Brinkley BURTON E. STACY, President Bank of Bentonville To 1990 ........................................ W. E. AYRES, Chairman Simmons First National Corporation, Pine Bluff J. PERRY LEE, President The Merchants & Planters Bank, Clarendon FLOYD L. PARKER, Chairman & President The Malvern National Bank LARRY C. WHITLEY, President Elk Hom Bank & Trust Company, Arkadelphia M. S. WOODRUFF, Chairman & President Citizens Bank & Trust, Carlisle Members at Large........................ JAMES V. KELLEY, Chairman The First National Bank of El Dorado G. L. LIEBLONG, President First National Bank, Paragould Past Presidents ............................ B. GENE STATON, President Morrilton Security Bank, N. A. WILLIAM H. HANDY, Director First National Bank, Magnolia YOUNG BANKER SECTION OFFICERS 1987-88 President...................................... T. G. McCORMACK, Assistant Vice President Merchants National Bank of Fort Smith Senior Vice President................... JIM D. GREEN, Assistant Vice President Fal'mers and Merchants Bank, Stuttgart Vice President.............................. MARK MURPHY, Correspondent Banking Officer First Commercial Bank, N.A., Little Rock Secretary...................................... BRICE FLETCHER, Assistant Cashier First National Bank of Eastern Arkansas, Forrest City Treasurer...................................... PHIL STARK, Assistant Vice President Farmers Bank and Trust, Magnolia AIB Coordinator............................ CRAIG BOONE, Financial Counselor Simmons First Bank of Jonesboro Seventy-Third Report 9 COMPTROLLER OF THE CURRENCY Southwestern District 1600 Lincoln Plaza, 500 North Akard Dallas, Texas 75201-3394 Telephone Number 720-0656 Area Code 214 Deputy Comptroller ........................................................................... Peter C. Kraft District Administrator ...................................................................... John A. Bodnar Director for Administration .......................... Thomas M. Byledbal, Preston Morrow Director for Analysis ................................................................... L. Rodney Burgett Director for Bank Supervision, Community Banks ............................ Jerry H. Corn Director for Bank Supervision, Regional Banks .................. Stephen R. Steinbrink District Counsel ................................................................................. Patrick Parise FEDERAL RESERVE BANK OF ST. LOUIS, MISSOURI DISTRICT NO. 8 Telephone Number 444-8444 Area Code 314 Thomas C. Melzer ................................................................................... President Joseph P. Garbarini ................................................................. First Vice President James R. Bowen ............................................................. Executive Vice President Anatol B. Balbach .................................................................Senior Vice President Harold E. Uthoff ....................................................................Senior Vice President Ben C. Wade ........................................................................Senior Vice President Ruth A Bryant ................................................................................. Vice President Albert E. Burger ............................................................................... Vice President Joan P. Cronin ............................ Vice President, General Counsel and Secretary Charles R. Halbrook ........................................................................ Vice President Richard E. Kay ............................................................................... General Auditor James R. Kennedy .......................................................................... Vice President Jean M. Lovati ................................................................................. Vice President Michael T. Moriarty .......................................................................... Vice President Martha L. Perine ...................................................... Vice President and Controller William J. Sneed .............................................................................. Vice President Randall C. Sumner .......................................................................... Vice President Patricia A Tarbutton ........................................................................ Vice President Robert W. Thomas ........................................................................... Vice President Delmer D. Weisz .............................................................................. Vice President 10 State of Arkansas: Bank Department LITTLE ROCK, BRANCH FEDERAL RESERVE BANK OF ST. LOUIS, MISSOURI Telephone Number 372-5451 Area Code 501 Vice President and Manager ............................................................John F. Breen Assistant Vice President ............................................................... David T. Rennie Assistant Vice President ........................................................ Thomas R. Callaway MEMPHIS BRANCH FEDERAL RESERVE BANK OF ST. LOUIS, MISSOURI Telephone Number 523-7171 Area Code 901 Vice President and Manager ........................................................ Paul I. Black, Jr. Assistant Vice President.. ....................................................... A. C. Cremerius, Jr. Assistant Vice President ........................................................... Michael E. Trebing Seventy-Third Report 11 FEDERAL DEPOSIT INSURANCE CORPORATION MEMPHIS REGION 5100 Poplar Ave. Suite 1900 Memphis, Tennessee 38137 Telephone Number 685-1603 Area Code 901 Regional Director ............................................................................ Bill C. Houston Assistant Regional Director ............................................... Raymond M. Glass, Jr. Assistant Regional Director ......................................................... James F. Benner Assistant Regional Director .................................................. Joseph M. McGovern EXAMINERS FOR ARKANSAS Billy W. Carroll ....................: ...................................................................Little Rock Jack P. Court, Jr .....................................................................................Little Rock James S. Henley, Jr ...............................................................................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 * Ronny G. Parham .................................................................................... Memphis David L. Bowen ......................................................................................... Memphis James A. Colvin ........................................................................................ Memphis Billy F. Couch ............................................................................................ Memphis Ethridge B. Hampton, Jr ........................................................................... Memphis Harold B. Howard ..................................................................................... Memphis Arthur B. Monroe ...................................................................................... Memphis Robert A. Nantz ........................................................................................ Memphis Timothy P. Neeck ..................................................................................... Memphis Richard W. Riley ....................................................................................... Memphis James R. Sliger ........................................................................................ Memphis Lewis E. Smith, Jr ..................................................................................... Memphis * Larry T. Tadlock ....................................................................................... Memphis Richard E. Thorpe ..................................................................................... Memphis • Don R. Turner ....................................................................................... Shreveport Moka Caudle .......................................................................................... Shreveport Larry W. Flatt ......................................................................................... Shreveport Michael E. Hildebran .............................................................................. Shreveport Nelma E. Honeycutt ............................................................................... Shreveport Charles W. Kimsey ................................................................................ Shreveport Luther S. Litchfield, Jr ............................................................................ Shreveport John D. Payne ....................................................................................... Shreveport Michael P. Sawyer ................................................................................. Shreveport James P. Thomson ................................................................................ Shreveport * Field Office Supervisor 12 State of Arkansas: Bank Department STATE BANK DEPARTMENT, STATE OF ARKANSAS CONSOLIDATED REPORT OF CONDITION OF THE 173 COMMERCIAL BANKS IN ARKANSAS AS OF June 30, 1987 ASSETS 1. Cash and Balances due from depository institutions: a. Noninterest-bearing balances and currency and coin ................................. . b. Interest-bearing balances .............................................................................. 2. Securities ............................................................................................................ 3. Federal funds sold and securities purchased under agreement to resell ........ . 4. Loans and lease financing receivables: a. Loans and lease, net of unearned income .................................................. . b. Less: Allowances for loan and losses ......................................................... . c. Less: Allocated transfer risk reserve ........................................................... . d. Loans and lease, net of unearned income allowance, and reserve ........... . 5. Assets held in trading accounts ........................................................................ . 6. Premises and Fixed Assets (including capitalized lease) ................................. . 7. Other real estate owned ..................................................................................... 8. Investments in unconsolidated subsidiaries and associated companies .......... . 9. Customers liability to this bank on acceptances outstanding ........................... . 10. Intangible assets ................................................................................................. 11. Other assets ....................................................................................................... 12.Total assets ........................................................................................................ $392,585 408,132 2,606,018 290,448 4,243,062 72,655 185 4,170,222 3,523 124,315 50,133 1,724 -02, 178 143,486 8,192,764 LIABILITIES 13. Deposits: a. In domestic offices ........................................................................................ (1) Noninterest-bearing ................................................................................. (2) Interest-bearing ....................................................................................... . b. In foreign offices, Edge and Agreement subsidiaries. and IBFs ................ .. (1) Noninterest-bearing ................................................................................. (2) Interest-bearing ........................................................................................ 14. Federal funds purchased and securities sold under agreements to repurchase ......................................................................................................... . 15. Demand notes issued to the U.S. Treasury ...................................................... . 16. Other borrowed money ....................................................................................... 17. Mortgage indebtedness and obligations under capitalized leases ................... . 18. Bank's liability on acceptances executed and outstanding ............................... . 19. Notes and debentures subordinated to deposits .............................................. . 20. Other liabilities ................................................................................................... . 21. Total liabilities ..................................................................................................... 22. Limited-life preferred stock ................................................................................. 7,302,606 985,322 6,317,284 -0-0-071,337 7,929 16,376 4,453 -015, 189 72,396 7,490,286 -0- EQUITY CAPITAL 23. Perpetual preferred stock .................................................................................. . 24. Common stock .................................................................................................... 25. Surplus ................................................................................................................ 26. Undivided profits and capital reserves .............................................................. . 27.Cumulative foreign currency translation adjustment.. ....................................... . 28. Total equity capital ............................................................................................. 29. Total liabilities, limited-life preferred stock and equity capital. .......................... . 9,700 98,352 237,725 356,701 -0702,478 8,192,764 Seventy-Third Report 13 NATIONAL BANKS IN ARKANSAS Name 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 of Izard County First National Bank Merchants & Planters Bank, N.A. First National Bank The First National Bank First National Bank The First National Bank The First National Bank First National Bank of Howard County The First National Bank National Bank of Commerce The First National Bank Northwest National Bank , First National Bank of the Ozarks 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 Cleburne Co. First National Bank of Phillips County Helena National Bank The Citizens National Bank The First National Bank First National Bank One National Bank of Hot Springs The Planters National Bank The First National Bank First National Bank Location Altheimer Ashdown Ashdown Ash Flat Batesville Bentonville Berryville Blytheville Brinkley Calico Rock Camden Camden Clinton Conway Crossett DeQueen DeWitt Dierks El Dorado El Dorado Fayetteville Fayetteville Flippin Fordyce Forrest City Fort Smith Fort Smith Fort Smith Glenwood Green Forest Gurdon Harrison Heber Springs Helena Helena Hope Hope Hot Springs Hot Springs Hughes Huntsville Jacksonville County Jefferson Little River Little River Sharp Independence Benton Carroll Mississippi Monroe Izard Ouachita Ouachita Van Buren Faulkner Ashley Sevier Arkansas Howard Union Union Washington Washington Marion Dallas St. Francis Sebastian Sebastian Sebastian Pike Carroll Clark Boone Cleburne Phillips Phillips Hempstead Hempstead Garland Garland St. Francis Madison Pulaski 14 State of Arkansas: The First National Bank Commercial National Bank of Little Rock First Commercial Bank, N.A. Metropolitan National Bank ::>ne National Bank of Little Rock Union National Bank Northen Bank & Trust Co., N.A. First National Bank The Malvern National Bank =irst National Bank The First National Bank =irst National Bank =irst National Bank of Conway Co. IAorrilton Security Bank, N.A. =irst National Bank & Trust Co. :::itizen National Bank The First National Bank llational Bank of Arkansas )ne National Bank of North Little Rock =irst National Bank =irst National Bank The First National Bank llational Bank of Commerce >ine Bluff National Bank :limmons First National Bank =irst National Bank & Trust Co. =irst National Bank =irst National Bank =irst National Bank ,ecurity National Bank =irst National Bank rhe First National Bank =irst National Bank ;ommercial National Bank "he State First National Bank 'irst National Bank of Poinsett County lackson County National Bank 'irst National Bank of Crawford Co. ;itizens National Bank "he First National Bank of Lawrence Co. 'idelity National Bank 'irst National Bank "he First National Bank Bank Department Lewisville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Magnolia Malvern Marianna McGehee Mena Morrilton Morrilton Mountain Home Nashville Nashville No. Little Rock No. Little Rock Osceola Paragould Paris Pine Bluff Pine Bluff Pine Bluff Rogers Russellville Searcy Sheridan Sidney Siloam Springs Springdale Stuttgart Texarkana Texarkana Trumann Tuckerman Van Buren Walnut Ridge Walnut Ridge West Memphis West Memphis Wynne Lafayette Pulaski Pulaski Pulaski Pulaski Pulaski Pulaski Columbia Hot Springs Lee Desha Polk Conway Conway Baxter Howard Howard Pulaski Pulaski Mississippi Greene Logan Jefferson Jefferson Jefferson Benton Pope White Grant Sharp Benton Washington Arkansas Miller Miller Poinsett Jackson Crawford Lawrence Lawrence Crittenden Crittenden Cross Seventy-Third Report MEMBERS OF FEDERAL RESERVE SYSTEM Name of Bank & Location The Citizens Bank Batesville Date of Admission 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 TRUST COMPANIES AND OTHER INSTITUTIONS NOT ENGAGED IN COMMERCIAL BANKING, NOT MEMBERS OF FEDERAL DEPOSIT INSURANCE CORPORATION TRUST COMPANIES Name Jones Investment & Trust Co. Metropolitan Trust Company Location Little Rock Sherwood INDUSTRIAL LOAN INSTITUTIONS, ACT 111 Name Southern Credit Corporation Hallmark Loan & Investment Corporation National Credit Corporation Location Malvern North Little Rock Pine Bluff NON-PROFIT ORGANIZATION Name Arkansas Capital Corporation Location Little Rock 15 16 State of Arkansas: Bank Department AMENDMENTS ALTERING CAPITAL STRUCTURE JULY 1, 1986 TO JUNE 30, 1987 I. First State Bank, Beebe, increased Capital from $500,000 to $1,000,000 through perpetual preferred shares. ~- Monette State Bank, Monette, increased Capital from $200,000 to $240,000 through sale of new shares. 3. First State Bank of Newport, increased Capital from $733,400 to $1,250,000 through the sale of newly authorized shares. I. Arkansas State Bank of Siloam Springs, increased Capital from $1,920,000 to $2,400,000 through undivided profits. i. Bank of Trumann, increased Capital from $100,000 to $1,500,000 through transfer from the Corporation's Surplus Account. AMENDMENTS CHANGING NUMBER OF DIRECTORS JULY 1, 1986 TO JUNE 30, 1987 . The Bank of Yellville, from not less than 3 to no more than 12. AMENDMENTS ADOPTING TRUST POWERS JULY 1, 1986 TO JUNE 30, 1987 . Bank of Kensett, Kensett I. Little River Bank, Lepanto Seventy-Third Report 17 RESTATEMENT OF THE ARTICLES OF AGREEMENT INCORPORATION JULY 1, 1986 TO JUNE 30, 1987 1. Merchants & Planters Bank, Arkadelphia 2. Bank of Malvern, Malvern 3. Security Bank, Paragould 4. Bank of Dover, Russellville 5. Metropolitan Trust Company, Sherwood 6. Citizens Bank of Strong, Strong REVERSE STOCK SPLIT JULY 1, 1986 TO JUNE 30, 1987 1. The Farmers Bank & Trust Company, Blytheville 2. Fordyce Bank & Trust Company, Fordyce 3. Piggott State Bank, Piggott AMENDMENT CHANGING CORPORATE NAME JULY 1, 1986 TO JUNE 30, 1987 1. First Jacksonville Bank, Jacksonville, authorized a change in its corporate name to be known as "First Jacksonville Bank and Trust." 18 State of Arkansas: Bank Department ARKANSAS STATE BANK DEPARTMENT CAPITAL TO ASSET RATIO The average percentage of total equity capital to total assets of the 173 Arkansas State Banks as of June 30, 1987 is 10.41%. BANK NAME Commercial Bank at Alma Bank of Amity Citizens First State Bank Elk Horn Bank & Trust Company Merchants & Planters Bank 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 Bentonville Bank of Blevins Farmers Bank & Trust Company Citizens Bank The Bank of Bradley Bank of Brinkley Bank of Cabot 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 and Trust Company Clinton State Bank First State Bank & Trust Co. Corning Bank First State Bank Danville State Bank Arkansas Valley Bank Bank of Dardanelle Decatur State Bank Bank of Delight First State Bank of DeQueen Dermott State Bank First State Bank of Dermott Farmers & Merchants Bank De Witt Bank & Trust Company TOWN Alma Amity Arkadelphia Arkadelphia Arkadelphia Atkins Augusta Bald Knob Batesville Bearden Beebe Beebe Benton Benton Bentonville Blevins Blytheville Booneville Bradley Brinkley Cabot Caraway Carlisle Cave City Charleston Cherry Valley Clarendon Clarksville Clarksville Clinton Conway Coming Crossett Danville Dardanelle Dardanelle Decatur Delight DeQueen Dermott Dermott Des Arc De Witt CAPITAL TO ASSETS RATIO 10.18 14.15 9.97 9.62 9.27 10.04 12.96 9.42 6.82 15.71 10.52 7.00 9.00 8.30 8.81 9.00 9.50 8.25 9.07 10.13 8.73 10.80 10.13 8.01 11.62 8.94 7.83 9.33 7.78 7.75 7.15 8.01 7.46 9.75 10.88 10.00 11.65 11.39 8.74 14.28 10.00 22.17 16.85 19 Seventy-Third Report ARKANSAS STATE BANK DEPARTMENT CAPITAL TO ASSET RATIO (CONT'D) BANK NAME Bank of Dover Dumas State Bank Merchants & Farmers Bank Earle State Bank The Exchange Bank and Trust Co. The Delta State Bank Bank of Elkins The Citizens Bank Bank of England The Eudora Bank Bank of Eureka Springs Bank of Evening Shade Mcilroy Bank & Trust Fordyce Bank & Trust Company Planters Bank & Trust Company Planters & Merchants Bank The Bank of Glenwood First State Bank Bank of Gravette Farmers Bank Clark County Bank Farmers Bank Calhoun County Bank The Bank of Harrisburg The Security Bank Hazen First State Bank Heber Springs State Bank The Cleburne County Bank Bank of Holly Grove Horatio State Bank Arkansas Bank & Trust Company Bank of Imboden First Jacksonville Bank Newton County Bank Bank of Northeast Arkansas Citizens Bank of Jonesboro Mercantile Bank Simmons First Bank Farmers & Merchants Bank Union State Bank Bank of Kensett Pine State Bank Madison Bank & Trust Bank of Lake Village Simmons First Bank Citizens Bank Leachville State Bank Little River Bank Peoples Bank & Loan Company Bank of Lincoln TOWN Dover Dumas Dumas Earle El Dorado Elaine Elkins England England Eudora Eureka Springs Evening Shade Fayetteville Fordyce Forrest City Gillett Glenwood Gould Gravette Greenwood Gurdon Hamburg Hampton Harrisburg Harrison Hazen Heber Springs Heber Springs Holly Grove Horatio Hot Springs Imboden Jacksonville Jasper Jonesboro Jonesboro Jonesboro Jonesboro Judsonia Junction City Kensett Kingsland Kingston Lake Village Lake Village Lavaca Leachville Lepanto Lewisville Lincoln CAPITAL TO ASSETS RATIO 8.37 9.78 13.11 15.74 9.14 40.38 8.76 13.54 14.46 11.45 10.86 10.48 7.70 9.53 8.99 11.28 7.91 11.16 12.27 12.19 6.58 7.88 11.21 9.30 7.97 8.87 6.71 7.80 13.90 9.24 6.77 4.65 9.79 8.91 9.86 7.72 8.25 9.04 9.99 9.52 23.56 8.07 10.29 13.52 8.37 11.85 13.22 18.77 11.13 8.99 20 State of Arkansas: Bank Department ARKANSAS STATE BANK DEPARTMENT CAPITAL TO ASSET RATIO (CONT'D) BANK NAME Pulaski Bank & Trust Company Bank of Lockesburg First State Bank Farmers Bank & Trust Company Bank of Malvern Peoples Bank Merchants & Planters Bank Bank of Mansfield Farmers & Merchants Bank Citizens Bank Marked Tree Bank Searcy County 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 Co. Union Bank & Trust Co. The Bank ot Montgomery County Peoples Bank & Trust Company Bank of Mountain View Bank ot Mulberry Pike County Bank Bank of Newark First State Bank of Newport Merchants & Planters Bank The Twin City Bank The Planters Bank Bank of Ozark Security Bank Bank of Parkdale First State Bank Bank of Pea Ridge The Perry County Bank Piggott State Bank First State Bank Bank of Pocahontas Planters & Stockman Bank The Lawrence County Bank Portland Bank The Peoples Bank The Farmers & Merchants Bank Bank of Prescott The Bank of Rector Farmers & Merchants Bank The Bank of Rison Farmers & Merchants Bank TOWN Little Rock Lockesburg Lonoke Magnolia Malvern Mammoth Spring Manila Mansfield Marianna Marion Marked Tree Marshall Marvell McCrory McGehee Melbourne Mena Monette Monticello Monticello Mount Ida Mountain Home Mountain View Mulberry Murfreesboro Newark Newport Newport No. Little Rock Osceola Ozark Paragould Parkdale Parkin Pea Ridge Perryville Piggott Plainview Pocahontas Pocahontas Portia Portland Portland Prairie Grove Prescott Rector Reyno Rison Rogers CAPITAL TO ASSETS RATIO 6.18 9.88 10.06 9.28 12.06 7.06 13.42 8.77 15.18 10.96 10.53 8.56 14.16 12.04 11.04 7.00 14.43 7.37 10.14 8.20 10.29 10.00 15.81 11.19 8.75 9.72 10.37 8.27 7.43 9.76 10.46 7.56 8.33 10.99 9.50 9.43 7.63 8.78 11.20 9.08 7.60 11.06 11.79 11.23 9.03 11.73 5.73 15.37 7.77 21 Seventy-Third Report ARKANSAS STATE BANK DEPARTMENT CAPITAL TO ASSET RATIO (CONT'D) BANK NAME Peoples Bank & Trust Company Bank of Salem Logan County Bank First Security Bank Grant County Bank First State Bank Arkansas State Bank Smackover State Bank Merchants & Planters Bank First State Bank Bodcaw Bank Bank of Star City Stephens Security Bank Citizens Bank The Farmers & Merchants Bank Bank of Trumann Bank of Tuckerman Tyronza Bank Citizens Bank & Trust Company The Peoples Bank Bank of Waldron The Scott County Bank First State Bank Warren Bank & Trust Company Bank of Weiner Merchants & Farmers Bank Bank of West Memphis Wilmot State Bank Bank of Wilson Cross County Bank The Bank of Yellville TOWN Russellville Salem Scranton Searcy Sheridan Sherwood Siloam Springs Smackover Sparkman Springdale Stamps Star City Stephens Strong Stuttgart Trumann Tuckerman Tyronza Van Buren Waldo Waldron Waldron Warren Warren Weiner West Helena West Memphis Wilmot Wilson Wynne Yellville CAPITAL TO ASSETS RATIO 6.53 7.62 11.84 11.28 10.22 7.72 7.45 11.15 8.40 7.68 9.96 8.57 9.44 16.50 10.08 11.27 14.31 15.76 9.37 9.86 12.25 8.52 8.35 8.92 12.31 7.48 11.53 16.14 16.35 8.52 8.15 22 State of Arkansas: Bank Department STATISTICAL INFORMATION REFLECTING THE GROWTH OF ARKANSAS STATE BANKS OVER A TEN YEAR PERIOD (Commercial Banks Only) 1977-1987 June 1977 June 1987 2 2 5 8 19 31 35 28 27 19 7 2 ~ 188 0 0 1 1 3 9 13 14 37 43 24 12 16 173 Number of banks with assets of less than $1,000,000 ···························································· With assets of $1,000,000 to $2,000,000 ............... . With assets of $2,000,000 to $3,500,000 ............... . With assets of $3,500,000 to $5,000,000 ............... . With Assets of $5,000,000 to $7,500,000 ............... . With assets of $7,500,000 to $10,000,000 ............. . With assets of $10,000,000 to $15,000,000 ........... . With assets of $15,000,000 to $20,000,000 ........... . With asssets of $20,000,000 to $30,000,000 ......... . With assets of $30,000,000 to $50,000,000 ........... . With assets of $50,000,000 to $75,000,000 ........... . With assets of $75,000,000 to $100,000,000 ......... . With assets over $100,000,000 .............................. . Per Cent June 30, 1976 June 30, 1986 Increase (Reported in millions and nearest thousand) Total resources ......................... . Total loans ................................. . Securities ................................... . Deposits .................................... . Total Capital Accounts .............. . $3,596,995 2,093,350 1,091,508 3,222,936 308,721 8,192,764 4,243,062 2,606,018 7,302,606 702,478 127 102 138 126 127 Seventy-Third Report 23 SEVENTY-THIRD REPORT showing THE CONDITION OF THE 173 ARKANSAS STATE-CHARTERED BANKS ASSETS AND LIABILITIES ARE AS SHOWN BY THE CALL OF JUNE 30, 1987 Banks are listed according to an alphabetical arrangement of cities and towns where located. THE TELEPHONE AREA CODE NUMBER FOR ALL OF ARKANSAS IS 501 24 State of Arkansas: Bank Department COMMERCIAL BANK AT ALMA Hwy 71 & 64 Intersection P.O. Box 369 Crawford County Zip Code: 72921 City: Alma Charter Number: 297 Telephone: 632-2257 Population: 3,007 Charter Date: September 15, 1909 Branches: 2 Bank Holding Company Affiliate: Commerce Financial Corporation JOHN PAUL BALLENTINE HILDA KNIGHT TERRY Q. CARSON WILLIAM N. BRASHER 111 CHAIRMAN OF THE BOARD VICE CHAIRMAN OF THE BOARD PRESIDENT & CHIEF EXECUTIVE OFFICER SENIOR VICE PRESIDENT Total Assets ............................................ 28,972 Loans, Net. .............................................. 16,381 Securities ..................................................8,819 Interest Bearing Balances............................ 100 Total Deposits .........................................26,032 Number Shares Authorized ......................8,000 Number Shares Outstanding ....................8,000 Preferred Stock ............................................. -0Common Stock ............................................ 200 Surplus .........................................................800 Undivided Profits ....................................... 1,740 Reserve for Loan Losses ............................. 232 Total Equity Capital ...................................2,740 Subordinated Debt ........................................ -0- James A. Arnold, II, John Paul Ballentine, William N. Brasher, Ill, Terry Q. Carson, John A. Griffin, Hilda Knight *Designales Chief Executive Officer BANK OF AMITY P.O. Box 38 Clark County Zip Code: 71921 City: Amity Charter Number: 198 Telephone: 342-5269 Population: 859 Charter Date: November 30, 1905 Branches: 1 Bank Holding Company Affiliate: None CLEDA OLDS JOE F. MAXEY ERNIE DUNLAP HAZEL RICHARDSON PEGGY ADAMS PRESIDENT AND CASHIER VICE PRESIDENT VICE PRESIDENT ASS'T CASHIER ASS'T CASHIER Total Assets ............................................40,056 Loans, Net.. ...............................................8,362 Securities ................................................25,485 Interest Bearing Balances .........................2,930 Total Deposits .........................................34,135 Number Shares Authorized ..................... .4,000 Number Shares Outstanding ....................4,000 Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus ......................................................2,000 Undivided Prolits ....................................... 3,421 Reserve tor Loan Losses ............................. 170 Total Equity Capital. .................................. 5,521 Subordinated Debt... ..................................... -0- DIRECTORS: Gleda Olds, Hazel Richardson, Joe F. Maxey, Morris H. Oakley, Ernie Dunlap "Designates Chief Executive Officer 25 Seventy-Third Report CITIZENS FIRST STATE BANK 506 Main St. P.O. Box 218 Clark County Zip Code: 71923 City: Arkadelphia Charter Number: 736 Telephone: 246-2411 Population: 10,169 Charter Date: May 24, 1977 Branches: 1 Bank Holding Company Affiliate: First Arkadelphia Bancshares, Inc. *R. EDWARD SNIDER, JR. RAYMOND C. TOLER JOHNNIE SUE HUNEYCUTT JUDY SLIGH TOM CALHOON Total Assets ............................................ 35,421 Loans, Net. ..............................................22,029 Securities ..................................................5,216 Interest Bearing Balances .........................2, 700 Total Deposits .........................................32,363 Number Shares Authorized ....................30,000 Number Shares Outstanding ..................30,000 PRESIDENT AND CEO EXEC. VICE PRESIDENT SR. VICE PRESIDENT & CASHIER VICE PRESIDENT VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............................................300 Surplus ...................................................... 1,000 Undivided Profits ....................................... 1,551 Reserve for Loan Losses ............................. 757 Total Equity Capital.. ................................. 2,851 Subordinated Debt ........................................ -0- DIRECTORS: I. B. Fuller, Jr., Raymond C. Toler, Jerry Francis, John M. Moore, Billy Bob Hardman, Ed McCorkle, R. Edward Snider, Jr. "Designates Chief Executive Officer ELK HORN BANK & TRUST COMPANY 601 Main Street P.O. BOX 248 Clark County Zip Code: 71923 City: Arkadelphia Charter Number: 142 Telephone: 246-5811 Population: 10,169 Charter Date: September 28, 1903 Branches: 2 Bank Holding Company Affiliate: Elk Horn Bancshares, Inc. JAMES W. HARRINGTON *LARRY C. WHITLEY ROY N. SHOPE HERMAN G. BREWER Total Assets ............................................ 52, 101 Loans, Net. ..............................................20,482 Securities ................................................23,096 Interest Bearing Balances ......................... 3,897 Total Deposits ........................................ .46,664 Number Shares Authorized .................... 24,000 Number Shares Outstanding ..................24,000 CHAIRMAN OF THE BOARD PRESIDENT EXEC. VICE PRES & CASHIER VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............................................600 Surplus ...................................................... 1,400 Undivided Prolits ....................................... 2,843 Reserve For Loan Losses ........................... 188 Total Equity Capital. ..................................4,843 Subordinated Debt ........................................ -0- DIRECTORS: Thomas B. Barksdale, James Blanton, Harold Echols, James W. Harrington, J. Hugh Lookadoo, Wayne D. Pollard, Roy N. Shope, A. C. Stone, Larry C. Whitley, J. B. Wingfield *Designates Chief Executive Officer 26 State of Arkansas: Bank Department MERCHANTS & PLANTERS BANK & TRUST COMPANY 526 Main Street P.O. Box 219 Clark County Zip Code: 71923 City: Arkadelphia Charter Number: 341 Telephone: 246-4511 Population: 10,169 Charter Date: August 1, 1911 Branches: 1 Bank Holding Company Affiliate: Central Arkansas Bancshares, Inc. MILLARD E. AUD BOBBY G. JONES BARBARA J. NEEL PRESIDENT & CHIEF EXECUTIVE OFFICER SENIOR VICE PRESIDENT VICE PRESIDENT & CASHIER Total Assets ............................................36,671 Loans, Net... ............................................ 19, 787 Securities ................................................ 12,718 Interest Bearing Balances............................250 Total Deposits .........................................33,278 Number Shares Authorized ......................4,800 Number Shares Outstanding ....................4,800 Preferred Stock ............................................. -0Common Stock ............................................ 120 Surplus ...................................................... 1,330 Undivided Profits ....................................... 1,758 Reserve For Loan Losses ...........................211 Total Equity Capital. .................................. 3,208 Subordinated Debt... ..................................... -0- DIRECTORS: Millard E. Aud, Toney D. McMillan, Paul L Offutt, Robert C. Rhodes, Jane Ross, Donald M. Tatman, Ross M. Whipple, Carrington E. Young "Designates Chief Executive Officer BANK OF ATKINS P.O. Box 157 Pope County Zip Code: 72823 Population: 3,002 Charter Date: September 19, 1895 Branches: 0 City: Atkins Charter Number: 35 Telephone: 641-2987 Bsnk Holding Company Affiliate: None JAMES C. MITCHELL *DAVID M. MITCHELL DOROTHY WILEY Total Assets ............................................ 13,947 Loans, Net. ................................................5,444 Securities ..................................................6,835 Interest Bearing Balances............................ 800 Total Deposits ......................................... 12,397 Number Shares Authorized .................... 12,500 Number Shares Outstanding .................. 12,500 CHAIRMAN PRESIDENT CASHIER Preferred Stock ............................................. -0Common Stock ............................................ 125 Surplus ........................................................925 Undivided Proflts .......................................... 276 Reserve for Loan Losses ...............................81 Total Equity Capital. .................................. 1,326 Subordinated Debt. ....................................... ·0- DIRECTORS: James C. Mitchell, David M. Mitchell, Jean S. Mitchell "Designates Chief Executive Officer Seventy-Third Report 27 THE BANK OF AUGUSTA 100 S. Second Street Woodruff County P.O. Box Y Zip Code: 72006 City: Augusta Charter Number: 669 Telephone: 347-2511 Population: 3,496 Charter Date: February 20, 1935 Branches: 0 Bank Holding Company Afflliate: None *MOODY WHITEHEAD LEE CONDITT E. R. MILLER R. E. GREGORY EXECUTIVE VICE PRESIDENT CASHIER PRESIDENT CHAIRMAN OF THE BOARD Total Assets ............................................ 32,897 Loans, Net. .............................................. 14, 798 Securities ................................................ 12,308 Interest Bearing Balances .........................2,879 Total Deposits .........................................28,577 Number Shares AuthOrized ......................8,000 Number Shares Outstanding ....................8,000 Preferred Stock ............................................. -0Common Stock ............................................200 Surplus .........................................................800 Undivided Profits ....................................... 2,987 Reserve for Loan Losses .........................•...316 Total Equity Capital. .................................. 3,987 Subordinated Debt ........................................ -0- DIRECTORS: E. R. Miller, R. E. Gregory, Franklin Collier, W. P. Daniel, J. R. Eldridge, R. E. Gregory, Jr., Steven Collier, W. P. Daniel, Jr., Charles Eldridge, Dorothy Willis *Designates Chief Executive Officer CITIZENS STATE BANK 11 0 South Elm P.O. Box 200 White County Zip Code: 72010 City: Bald Knob Charter Number: 636 Telephone: 724-3241 Population: 2,758 Charter Date: January 22, 1931 Branches: 2 Bank Holding Company Affiliate: Citizens State Bankshares of Bald Knob, Inc. *JUANITA LITZELFELNER LARRY E. KIRCHER WENDELL R. NIER MARGARET ETHERIDGE PEGGY REED Total Assets ........................................... .23, 117 Loans, Net... ............................................ 11,817 Securities .................................................. 7,388 Interest Bearing Balances ............................ 100 Total Deposits ......................................... 20,984 Number Shares Authorized ......................4,000 Number Shares Outstanding ................... .4,000 CHAIRMAN OF THE BOARD PRESIDENT & TRUST OFFICER SR. VICE PRESIDENT & CASHIER VICE PRESIDENT & A.T.0. ASST. VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus .........................................................700 Undivided Profits ....................................... 1,104 Reserve for Loan Losses .............................303 Total Equity Capital. .................................. 1,904 Subordinated Debt ........................................ -0- DIRECTORS: Juanita Litzelfelner, Dr. Bernard C. Smith, Larry E. Kircher, Bob J. Clark, Wendell R. Nier "Designates Chief Executive Officer 28 State of Arkansas: Bank Department THE CITIZENS BANK 3rd & College P.O. Box 2156 Independence County Zip Code: 72503 City: Batesville Charter Number: 705 Telephone: 793-4441 Population: 8,200 Charter Date: February 19, 1953 Branches: 4 Bank Holding Company Affiliate: Citizens Bancshares of Batesville, Inc. 'T. G. VINSON CHARLES ARNOLD DAVID HIDY GREG SHAVER PRESIDENT EXECUTIVE VICE PRESIDENT SENIOR VICE PRESIDENT CASHIER Total Assets .......................................... 129,116 Loans, Net...............................................70,870 Securities ................................................ 39, 193 Interest Bearing Balances ............................. -0Total Deposits ....................................... 119,847 Number Shares Authorized .................... 14,000 Number Shares Outstanding .................. 14,000 Preferred Stock ............................................. -0Common Stock ......................................... 1,400 Surplus ...................................................... 1,000 Undivided Profits ....................................... 5,737 Reserve for Loan Losses ............................. 721 Total Equity Capital. ..................................8, 137 Subordinated Debt .......................................400 DIRECTORS: T.G. Vinson, Charles Arnold, Lackey Moody, Dr. Lackey Moody, Doyle W. Rogers, Noel K. Sims, Cleo Southerland, M.F. Highsmith *Designates Chief Executive Officer BANK OF BEARDEN Second & Cedar P.O. Box 135 Ouachita County Zip Code: 71720 Population: 1,192 Charter Date: July 5, 1945 Branches: 0 City: Bearden Charter Number: 688 Telephone: 687-2233 Bank Holding Company Affiliate: None JOHN E. ANTHONY *RICK GREEN KEN RILEY ED PASCHAL ROSEMARY BARNER Total Assets ............................................ 16,640 Loans, Net.. ...............................................6,314 Securities ..................................................5,337 Interest Bearing Balances .........................2, 165 Total Deposits ......................................... 13,945 Number Shares Authorized ...................... 8,800 Number Shares Outstanding ....................8, 180 CHAIRMAN PRESIDENT & CEO EXECUTIVE VICE PRESIDENT VICE PRESIDENT CASHIER Preferred Stock ............................................ -0Common Stock ............................................205 Surplus ...................................................... 1 , 140 Undivided Profits ....................................... 1 ,239 Reserve for Loan Losses ...............................36 Total Equity Capital ...................................2,584 Subordinated Debt ........................................ -0- DIRECTORS: John E. Anthony, Steven M. Anthony, Joe F. Barner, O.D. Cathey, Rick Green, Kenneth D. Keeton, Eric Stuckey, J.E. Word "Designates Chief Executive Officer Seventy-Third Report 29 CITIZENS BANK 114 N. Main P.O. Drawer T White County Zip Code: 72012 City: Beebe Charter Number: 465 Telephone: 882-6411 Population: 4,000 Charter Date: June 21, 1917 Branches: 1 Bank Holding Company Affiliate: None *E. H. ABINGTON, II J. DARRELL HALL JAMES A. LOVELL, JR. MARGIE JENSEN C. A. JONES BETTY LIDDLE ANNA SPRADLIN GLENNA PRUITT KATHY NOKES CEO PRESIDENT SR. VICE PRESIDENT 1ST VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT CASHIER ASST. CASHIER ASST. CASHIER Total Assets ............................................31 ,080 Loans, Net... ............................................ 17,924 Securities ..................................................7,488 Interest Bearing Balances ............................. -OTotal Deposits ......................................... 27,956 Number Shares Authorized .................... 20,000 Number Shares Outstanding ..................20,000 Preferred Stock ............................................ -0Common Stock ............................................ 200 Surplus .........................................................600 Undivided Profits .......................................2, 155 Reserve for Loan Losses ............................. 393 Total Equity Capital ...................................2,955 Subordinated Debt ........................................ -0- DIRECTORS: E. H. Abington, Doyle Burns, Millan Burrow, G. Byrne Garrett, H. Leroy Goff, J. Darrel Hall, Lee E. Hayes, Margie Jensen, C. A. Jones, James D. Rakes, H. Mayes Scott ·oesignates Chiel Executive Officer FIRST STATE BANK 1501 Dewitt H·enry Drive P.O. Box 2000 White County Zip Code: 72012 City: Beebe Population: 4,000 Charter Number: 742 Charter Date: April 20, 1981 Telephone: 882-6406 Branches: O Bank Holding Company Affiliate: First Charter Bancshares, Inc. *GARLAND KIRKPATRICK DAVID MILLER MARILYN COLE Total Assets ........................................... .25 ,591 Loans, Net... ............................................ 15,863 Securities ..................................................3,851 Interest Bearing Balances ............................ 115 Total Deposits .........................................23 ,653 Number Shares Authorized .................... 50,000 Number Shares Outstanding .................. 50,000 PRESIDENT & C.E.O. SR. VICE PRESIDENT CASHIER Preferred Stock ............................................. -0Common Stock ............................................ 500 Surplus ......................................................... 500 Undivided Profits .......................................... 727 Reserve for Loan Losses .............................169 Total Equity Capital... ................................1,727 Subordinated Debt ........................................ -0- DIRECTORS: Garland Kirkpatrick, Dr. Ruth Lazell Couch, Grace Crouch, Johnnie Downing, Walter England, Gene Holman, Keith Knight, Lyndell Lay, David Miller *Designates Chief Executive Officer State of Arkansas: 30 Bank Department BENTON STATE BANK Saline County 146 W. South Street Zip Code: 72015 Population: 18,000 Charter Date: March 3, 1934 Branches: 5 City: Benton Charter Number: 664 Telephone: 778-0431 Bank Holding Company Afflllate: Benton State Bankshares PRESIDENT/CHAIRMAN EXECUTIVE VICE PRESIDENT SENIOR VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT *BOB ALSOBROOK RUSSELL COLEMAN HARRY McCORMICK BARBARA WEAVER JUNE MaGEE Total Assets .......................................... 134,586 Loans, Net... ............................................61.299 Securities ................................................57,625 Interest Bearing Balances ..............................40 Total Deposits ....................................... 121 ,505 Number Shares Authorized .................. 132,000 Number Shares Outstanding ................ 132,000 Preferred Stock ............................................. -0Common Stock ......................................... 1,320 Surplus .........................................................825 Undivided Profits ....................................... 9,575 Reserve for Loan Losses ............................ .433 Total Equity Capital.. ............................... 11,720 Subordinated Debt ........................................ -0- DIRECTORS: Mrs. W.R. Alsobrook, Bob Alsobrook, Roy Bishop, Fred Briner, Calvin Brown, A.B. Holiman, Jr., W.W. Jones, Malcolm Lawrence, N.P. Ramsey, Gordon Spivey, D.J. Stirman, Russell Coleman, W.L. Tucker, Virgil Williams "Designates Chief Executive Officer THE UNION BANK OF BENTON Conway & Market Saline County P.O. Box 687 Zip Code: 72015 City: Benton Charter Number: 706 Telephone: 778-0411 Population: 18,000 Charter Date: January 11, 1954 Branches: 2 Bank Holding Company Affiliate: Union Bancshares of Benton *GREG B. BROWN BOB GREGORY BOB LEWIS K.M.TAYLOR MARGARET JEFFERSON BILL SCEARCE Total Assets ............................................ 72,301 Loans, Net. ..............................................25,743 Securities ................................................ 24,208 Interest Bearing Balances ....................... 16, 193 Total Deposits ......................................... 63,602 Number Shares Authorized ........................... 73 Number Shares Outstanding ......................... 73 CHAIRMAN & CEO PRESIDENT SR. VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............................................ 729 Surplus .........................................................857 Undivided Profits .......................................4,069 Reserve for Loan Losses .............................379 Total Equity Capital. ..................................5,655 Subordinated Debt ...................................... .469 DIRECTORS: Greg B. Brown, June Brown, Lilburn Carlisle, J. D. Harris, R. G. Kuerner, I. E. McCray, Jr., John Young, Bob Gregory *Designates Chief Executive Officer Seventy-Third Report 31 BANK OF BENTONVILLE 201 Northeast A P.O. Box 1229 Benton County Zip Code: 72712 City: Bentonville Charter Number: 641 Telephone: 273-3331 Population: 9,920 Charter Date: February 25, 1931 Branches: 4 Bank Holding Company Affiliate: None *BURTON STACY DAVID SHORT JOHN FRYER WARREN FIELDS PRESIDENT EXEC. VICE PRESIDENT EXEC. VICE PRESIDENT SR. VICE PRESIDENT Total Assets .......................................... 175,415 Loans, Net. ..............................................98,299 Securities ................................................59,299 Interest Bearing Balances.........................3,913 Total Deposits ....................................... 156,471 Number Shares Authorized .................. 100,000 Number Shares Outstanding ..................78,400 Preferred Stock ............................................. -0· Common Stock ............................................ 980 Surplus ......................................................5,270 Undivided Profits ....................................... 7,954 Reserve for Loan Losses .......................... 1,371 Total Equity Capital.. ............................... 14,204 Subordinated Debt... ..................................... -0- DIRECTORS: Edward F. Adair, George Billingsley, R. E. Buck, Max Burger, Ralph N. Dunn, Jim Eskridge, Glenn Featherston, Lael Finch, John W. Fryer, David Glass, Bill Lee, John Shores, Burton Stacy, Alice Walton "Designates Chief Executive Officer BANK OF BLEVINS P. 0. Box 158 Hempstead County Zip Code: 71825 City: Blevins Charter Number 385 Telephone: 874-2541 Population: 314 Charter Date: August 12, 1912 Branches: 0 Bank Holding Company Affiliate; First National Bank Shares of Hempstead Co. P.C.STEPHENS *MIKE STEPHENS NELL STEPHENS Total Assets ..............................................9,069 Loans, Net... ..............................................3,543 Securities ..................................................2,229 Interest Bearing Balances ......................... 2,689 Total Deposits ...........................................8,228 Number Shares Authorized .................... 16,000 Number Shares Outstanding ....................8,050 PRESIDENT EXEC. VICE PRESIDENT SR. VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............................................ 101 Surplus ........................................................ 150 Undivided Profits ..........................................527 Reserve for Loan Losses ...............................42 Total Equity Capital.. .................................... 778 Subordinated Debt ........................................ -0- DIRECTORS: Mike Stephens, P. C. Stephens, Nell Stephens, Thomas E. Hays, Harold Stephens "Designates Chief Exerutive Officer State of Arkansas: 32 Bank Department FARMERS BANK & TRUST COMPANY 400 West Main Street P. 0. Box 688 Mississippi County Zip Code: 72315 City: Blytheville Charter Number: 253 Telephone: 763-8101 Population: 24,314 Charter Date: March 16, 1908 Branches: 3 Bank Holding Company Affiliate; None *JAMES L. MAGEE ALVIN HUFFMAN Ill JAMES STEVEN BELL WILLIAM MICHAEL HUFFMAN JOSEPH M. CHURCHILL Total Assets ............................................ 87,950 Loans, Net. ..............................................24,965 Securities ................................................42,077 Interest Bearing Balances ....................... 10, 158 Total Deposits .........................................78,963 Number Shares Authorized ....................40,000 Number Shares Outstanding ..................40,000 CHAIRMAN & CEO PRESIDENT SENIOR VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT Preferred Stock ............................................ -0Common Stock ......................................... 1,000 Surplus ......................................................2, 750 Undivided Profits ...................................... .4,269 Reserve for Loan Losses .............................379 Total Equity Capital.. ................................. 8,019 Subordinated Debt ........................................ -0- DIRECTORS: James L. Magee, Alvin Huffman Ill, Lee A. Crowe, Gaylon M. Lawrence, Dale S. Briggs, Jerry Cohon, Glen A. Cook, Paul C. Hughes, Herbert Jones, R. A. Porter *Designates Chief Executive Officer CITIZENS BANK OF BOONEVILLE P.O. Box 238 Logan County Zip Code: 72927 City: Booneville Population: 3,718 Charter Number: 397 Charter Date: April 10, 191 0 Telephone: 675-2747 Branches: 3 Bank Holding Company Affiliate; First Western Bancshares Inc. *JERAL L. HAMPTON JOHN T. HAMPTON BILL MITCHELL SHIRLEY YOUNG JOE EARP TOM CALLAN LEE STRICKLAND GLYNDA McCONNELL CAROLYN J. HOLT CHAIRMAN & PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT & CASHIER VICE PRESIDENT VICE PRESCIENT VICE PRESIDENT VICE PRESIDENT ASSISTANT VICE PRESIDENT ASSISTANT VICE PRESIDENT Total Assets ............................................ 67,645 Preferred Stock ............................................ -0Loans, Net. .............................................. 35,435 Common Stock ......................................... 1,000 Securities ................................................ 17,831 Surplus ...................................................... 1,000 Interest Bearing Balances ....................... 10,478 Undivided Profits ....................................... 3, 122 Total Deposits ......................................... 61,536 Reserve for Loan Losses ............................. 503 Number Shares Authorized .................. 100,000 Total Equity Capital. .................................. 5,122 Number Shares Outstanding ................ 100,000 Subordinated Debt ........................................ -0DIRECTORS: Melvin R. Dunn, Glenn Fitzgerald, John T. Hampton, Billy Dale Leslie, C.R. Lippard, W. C. Littlefield, Gene Remy, A. B. Littlefield, Jeral L. Hampton *Designates Chief Executive Officer 33 Seventy-Third Report THE BANK OF BRADLEY Main Street P.O. Box 128 Lafayette County Zip Code: 71826 Population: 790 City: Bradley Charter Date: April 10, 1933 Charter Number: 653 Branches: 0 Telephone: 894-3322 Bank Holding Company Affiliate: The Bradley Corporation LANE PIERCE BILLIE PIERCE WANDA HAYES PRESIDENT EXECUTIVE VICE PRESIDENT CASHIER Total Assets ............................................ 10,289 Loans, Net. ................................................5,876 Securities ..................................................2,056 Interest Bearing Balances ........................... .490 Total Deposits ............................................9,444 Number Shares Authorized .................... 11,000 Number Shares Outstanding .................. 10,000 Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus .........................................................650 Undivided Profits ............................................33 Reserve for Loan Losses ............................. 153 Total Equity Capital.. ....................................783 Subordinated Debt ........................................ -0- DIRECTORS: Gerald E. Crabtree, Randy Griffing, Lane Pierce *Designates Chief Executive Officer BANK OF BRINKLEY 130 S. New Orleans P.O. Box 727 Monroe County Zip Code: 72021 City: Brinkley Charter Number: 110 Telephone: 734-3133 Population: 4,909 Charter Date: January 17, 1903 Branches: 0 Bank Holding Company Affiliate: Brinkley Bancshares, Inc. A. L. RUSHER 'A. H. RUSHER GUS RUSHER HAROLD HARDWICK TERRY SINGLETERRY MILDRED DICKSON DELMA GROSS KITTY SMITH VIRGINIA SIMPSON TODD WILSON CHAIRMAN PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT ASSISTANT VICE PRESIDENT CASHIER ASSISTANT CASHIER ASSISTANT CASHIER ASSISTANT CASHIER LOAN OFFICER Total Assets ............................................52, 140 Loans, Net. .............................................. 19,213 Securities ................................................20,233 Interest Bearing Balances ......................... 7,091 Total Deposits .........................................46, 790 Number Shares Authorized ....................24,000 Number Shares Outstanding .................. 24,000 Preferred Stock ............................................. -0Common Stock ............................................600 Surplus ......................................................2,000 Undivided Profits ....................................... 2,412 Reserve for Loan Losses .............................301 Total Equity Capital ................................... 5,012 Subordinated Debt ........................................ -0- DIRECTORS: A. L. Rusher, A. H. Rusher, Gus Rusher, Harold Hardwick, L. C. Dial, Don Fuller, J. H. Carroll, Jr., S. A. McKnight *Designates Chief Executive Officer 34 State of Arkansas: Bank Department BANK OF CABOT One City Plaza P.O. Box 1028 Lonoke County Zip Code: 72023 City: Cabot Charter Number: 120 Telephone: 843-3575 Population: 6,168 Charter Date: March 15, 1903 Branches: 2 Bank Holding Company Affiliate: Cabot Bankshares, Inc. *J_ M. PARK JOE W. PARK WILLIAM E. WILLIAMS JAUNITA C_ MORDEN JAMES F. CAMPBELL JOHN C. THOMPSON DORIS L. WALKER THETTA M. ALLMAN VIRGINIA M. IRVIN PRESIDENT VICE PRESIDENT & CASHIER VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT CONTROLLER ASSISTANT VICE PRESIDENT ASSISTANT VICE PRESIDENT Total Assets ............................................76,351 Preferred Stock ............................................. -0Loans, Net. ............................................. .48,567 Common Stock ............................................625 Securities ................................................21,567 Surplus ...................................................... 1,575 Interest Bearing Balances ............................. -0Undivided Profits ...................................... .4,000 Total Deposits .........................................69,041 Reserve for Loan Losses ............................. 514 Number Shares Authorized .................... 25,000 Total Equity Capital. ..................................6,200 Number Shares Outstanding .................. 25,000 Subordinated Debt.. .....................................300 DIRECTORS: Howell M. Thompson, A. M. Feland, Ill, Austin R. Leeds, Jack M. Lowman, James M. Park, Joe W. Park, Sue W. Park, Gerald H. Shock, Oris E. Spence, H. A. Whitley, Charles R. Templeton, William E. Williams, Jeff D. Wood, W. T. Barnwell *Designates Chief Executive Officer CARAWAY BANK P.O. Box 39 Craighead County Zip Code: 72419 City: Caraway Charter Number: 717 Telephone: 482-3329 Population: 1,165 Charter Date: November 27, 1962 Branches: O Bank Holding Company Affiliate: Caraway Bancshares *J. R. DAVID, JR. DEBORAH DAVID TAYLOR JEAN GOODMAN GUNDEL DAVID MARTIN CHAIRMAN EXECUTIVE VICE PRESIDENT SENIOR VICE PRESIDENT VICE PRESIDENT Total Assets .............................................. 9,286 Preferred Stock ............................................. -0Loans, Net. ................................................ 4,876 Common Stock ............................................ 252 Securities ..................................................2,257 Surplus ......................................................... 100 Interest Bearing Balances ............................ 199 Undivided Profits ..........................................511 Total Deposits ...........................................8,379 Reserve for Loan Losses ............................. 157 Number Shares Authorized .................... 10,080 Total Equity Capital ......................................863 Number Shares Outstanding .................. 10,080 Subordinated Debt.. ...................................... -0DIRECTORS: J.R. David, Jr., Deborah David Taylor, Lee David, Stephen E. Jones, Gundel David Martin "Designates Chief Executive Officer Seventy-Third Report 35 CITIZENS BANK & TRUST P.O. Box 69 Lonoke County Zip Code: 72024 Population: 2,500 Charter Date: December 22, 1930 Branches: 1 City: Carlisle Charter Number: 628 Telephone: 552-7571 Bank Holding Company Affiliate: Grand Prairie Bancshares, Inc. *M. S. WOODRUFF BILL SHOUP LAVERNE CALDWELL GAINES YOUNG DAN HORTON PRESIDENT SENIOR VICE PRESIDENT VICE PRESIDENT & CASHIER VICE PRESIDENT VICE PRESIDENT Total Assets ............................................46,224 Preferred Stock ............................................. -0Loans, Net. ..............................................26,324 Common Stock ............................................ 975 Securities ................................................ 15,483 Surplus ...................................................... 1,025 Interest Bearing Balances ............................ 200 Undivided Profits .......................................2,082 Total Deposits ........................................ .41,064 Reserve for Loan Losses ............................. 269 Number Shares Authorized .................... 39,000 Total Equity Capital .................................. .4,083 Number Shares Outstanding .................. 39,000 Subordinated Debt... ..................................... -0· DIRECTORS: M.S. Woodruff, Garland Gazer, J. F. Gartman, Daniel C. Horton, Chas. C. Hunt, Chas. C. Owen, Billy J. Shoup, Randall Snider, M. Gaines Young, Clifford Bennett, C. W. Harper "Designates Chief Executive Officer BANK OF CAVE CITY Main Street P.O. Box 82 Sharp County Zip Code: 72521 City: Cave City Charter Number: 209 Telephone: 283-5301 Population: 1,634 Charter Date: July 2, 1906 Branches: O Bank Holding Company Affiliate: Sharp Bancshares *EUGENE STREET JAMES M. STREET CLIFTON CRABTREE ANN JAMES GAYLA HICKMAN PRESIDENT & CHAIRMAN EXECUTIVE VICE PRESIDENT SENIOR VICE PRESIDENT VICE PRESIDENT ASSISTANT VICE PRESIDENT Total Assets ............................................22,262 Preferred Stock ............................................. -0Loans, Net. .............................................. 11,140 Common Stock ........................................... ,100 Securities ..................................................9,060 Surplus .........................................................400 Interest Bearing Balances............................ 498 Undivided Proflts ....................................... 1, 129 Total Deposits ......................................... 20,360 Reserve for Loan Losses ............................. 168 Number Shares Authorized ......................4,000 Total Equity Capital ................................... 1,629 Number Shares Outstanding .................... 4,000 Subordinated Debt ........................................ -0DIRECTORS: Eugene Street, James E. Street, James M. Street, Clifton Crabtree, Samuel Beller "Designates Chief Executive Officer 36 State ot Arkansas: Bank Department AMERICAN STATE BANK P.O. Box 128 Franklin County Zip Code: 72933 City: Charleston Charter Number: 314 Telephone: 965-2201 Population: 1,759 Charter Date: June 10, 1910 Branches: 1 Bank Holding Company Affiliate: American Bancshares of Arkansas, Inc. *JOE S. HIATT MICHAEL F. FLYNN SHERMAN HIATT MARGIE HIATT CHARLES J. BROWN ALICE K. WOOD ANGELA HAYNES CHAIRMAN & C.E.O. PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT ASSISTANT VICE PRESIDENT CASHIER Total Assets ............................................33,547 Loans, Net... ............................................ 13,230 Securities ................................................ 15,871 Interest Bearing Balances .........................2,580 Total Deposits .........................................29,277 Number Shares Authorized .................... 12,000 Number Shares Outstanding .................. 12,000 Preferred Stock ............................................. -0Common Stock ............................................ 300 Surplus ...................................................... 1,000 Undivided Profits .......................................2,466 Reserve for Loan Losses ............................. 148 Total Equity Capital ...................................3,766 Subordinated Debt ........................................ -0- DIRECTORS: Joe S. Hiatt, Michael F. Flynn, Sherman Hiatt, Joe 0. Larkin, John McDonald, Joe 0. Medlock, Troy Clark, Clyde L. Hiatt, Harold W. Jones •oesignates Chief Executive Officer BANK OF CHERRY VALLEY P.O. Box 188 Cross County Zip Code: 72324 City: Cherry Valley Charter Number: 228 Telephone: 588-3332 Population: 725 Charter Date: January 24, 1907 Branches: 0 Bank Holding Company Affiliate: Cherry Valley Bancshares, Inc. W. M. SMITH, JR. *W. M. SMITH, Ill EMMETT MILAM YVONNE LACE Total Assets ............................................ 18,453 Loans, Net... ..............................................8,016 Securities ................................................. .4, 195 Interest Bearing Balances ......................... 5,337 Total Deposits ......................................... 15,645 Number Shares Authorized ...................... 2,000 Number Shares Outstanding .................... 2,000 PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT CASHIER Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus ...................................................... 1,000 Undivided Profits ..........................................431 Reserve for Loan Losses ............................. 131 Total Equity Capital. .................................. 1,531 Subordinated Debt... ..................................... -0- DIRECTORS: W. M. Smith, Jr., W. M. Smith, Ill, Emmett Milam, H. H. Beasley, Edward Maddox •Designates Chief Executive Officer Seventy-Third Report 37 MERCHANTS AND PLANTERS BANK 297 Madison Street P.O. Box 80 Monroe County Zip Code: 72029 City: Clarendon Charter Number: 21 Telephone: 747-3319 Population: 2,500 Charter Date: July 23, 1890 Branches: O Bank Holding Company Affiliate: Clarendon Holding Co. JAMES B. SHARP •J. PEARY LEE RHETA GRIFFITH CHAIRMAN PRESIDENT SECRETARY Total Assets ............................................ 19,409 loans, Net. ................................................3,901 Securities ................................................ 12,749 Interest Bearing Balances............................ 980 Total Deposits ......................................... 17,784 Number Shares Authorized ......................6,000 Number Shares Outstanding ....................6,000 Preferred Stock ............................................. -0Common Stock ............................................ 150 Surplus .........................................................600 Undivided Prolits ..........................................740 Reserve for Loan Losses ...............................32 Total Equity Capttal ................................... 1,490 Subordinated Debt ........................................ -0- DIRECTORS: James B. Sharp, Rheta Griffith, Donald A. Davis, J. Perry Lee, J. B. Hopson 'Designates Chief Executive Officer ARKANSAS STATE BANK Corner of Cravens and Sevier P.O. Box 100 Johnson County Zip Code: 72830 City: Clarksville Charter Number: 722 Telephone: 754-6325 Population: 5,200 Charter Date: March 8, 1967 Branches: 3 Bank Holding Company Affiliate: Arkansas State Bankcorporation *JEFFERSON H. HANEY DONALD F. PERRY BETTY CALLAHAN DENTON TUMBLESON JAY HANEY Total Assets ........................................... .46,393 Loans, Net. ..............................................22,809 Securities ................................................ 16,426 Interest Bearing Balances.........................2, 195 Total Deposits ........................................ .42,061 Number Shares Authorized .................... 12,000 Number Shares Outstanding .................. 12,000 CHAIRMAN, CEO VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............................................ 120 Surplus ...................................................... 1,880 Undivided Protits ....................................... 2,079 Reserve for Loan Losses .............................279 Total Equity Capitai.. ................................ .4,079 SubOrdinated Debt ........................................ -0- DIRECTORS: Jefferson H. Haney, Dane Riggs, Donald F. Perry, R.L. Thompson, Harold Whitson, Armil Taylor, Guy Shrigley, Jim Dickerson "Designates Chief Executive Officer 38 State of Arkansas: Bank Department FARMERS BANK & TRUST COMPANY 214 Main Street P.O. Box 288 Johnson County Zip Code: 72830 :ity: Clarksville Population: 5,200 :harter Number: 737 Charter Date: July 6, 1978 relephone: 754-2020 Branches: 2 Bank Holding Company Affiliate: Farmers Investment Corporation IOE A. WOODSON CHIEF EXECUTIVE OFFICER :RNEST L. WHITE PRESIDENT mNALD R. COLLINS SENIOR VICE PRESIDENT lt'IARY L. WARREN VICE PRESIDENT CHAIRMAN IAMES C. EAST ~INA MASON VICE PRESIDENT iAROLD JOHNSON VICE PRESIDENT ~EBECCA UPTON VICE PRESIDENT mBERT C. MAGEE VICE PRESIDENT ·otal Assets ............................................ 65,627 Preferred Stock ............................................. -0· .oans, Net.. ............................................ .40,408 Common Stock ............................................ 550 iecurities ................................................ 18, 715 Surplus ......................................................2,000 1terest Bearing Balances ......................... 1,563 Undivided Profits ....................................... 1,965 ·otal Deposits ......................................... 59,496 Reserve for Loan Losses ............................. 642 Jumber Shares Authorized ...................... 5,495 Total Equity Capital ...................................4,515 lumber Shares Outstanding .................... 5,495 Subordinated Debt.. ..................................... 600 >!RECTORS: James C. East, Robert A. Hurley, James E. Lewis, Robert C. Magee, Steven Morgan, layne Phillips, Bill Porter, Ted Riley, J.T. White, Ernest L. White, Joe A. Woodson )esignates Chief Executive Officer CLINTON STATE BANK 202 South Court Van Buren County P.O. Box 57 Zip Code: 72031 :ity: Clinton Population: 2,080 :harter Number: 695 Charter Date: October 16, 1946 ·elephone: 745-2441 Branches: 4 Bank Holding Company Affiliate: Clinton Bancshares, Inc. OHN L. JOHNSON SENIOR CHAIRMAN !OBERT MORGAN CHAIRMAN & CEO IYKE JOHNSON PRESIDENT IUD McKNIGHT EXECUTIVE VICE PRESIDENT SENIOR VICE PRESIDENT 0 SMITH :HARLES E. SMITH VICE PRESIDENT VICE PRESIDENT ILEEN SMILEY :OBERT BARNUM VICE PRESIDENT & TO :LOETTA HUTTO VICE PRESIDENT otal Assets ............................................63,834 Preferred Stock ............................................ -0Jans, Net. ..............................................27,933 Common Stock ............................................400 ecurities ................................................24,459 Surplus ......................................................2, 100 Iterest Bearing Balances .........................5,597 Undivided Profits ....................................... 1,956 otal Deposits .........................................58,745 Reserve for Loan Losses ............................. 531 umber Shares Authorized ..................... .4,000 Total Equity Capital. .................................. 4,456 umber Shares Outstanding ....................4,000 Subordinated Debt ........................................ -0IRECTORS: John L. Johnson, Robert Morgan, Dyke Johnson, Thomas "Bud" McKnight, Paul L. one, Roy Lefler, Jr., Jay W. Jackson, Joe Lee )esignates Chief Executive Officer Seventy-Third Report 39 FIRST STATE BANK AND TRUST COMPANY One Harkrider P.O. Box 729 Faulkner County Zip Code: 72032 City: Conway Population: 23,800 Charter Number: 693 Charter Date: May 18, 1946 Telephone: 329-5656 Branches: 5 Bank Holding Company Affiliate: Worthen Banking Corporation *JAMES G. WILLIAMSON, JR. CHAIRMAN OF THE BOARD & CHIEF EXECUTIVE OFFICER B. J. DAUGHERTY PRESIDENT RICHARD P. CLARK, II SENIOR VICE PRESIDENT & TO JOHN C. STANTON SENIOR VICE PRESIDENT DON BONE VICE PRESIDENT JACK HUMPHREY VICE PRESIDENT JERRY REA VICE PRESIDENT ALVIN G. ROSS VICE PRESIDENT & CASHIER BRENDA N. HESTER VICE PRESIDENT Total Assets .......................................... 160,460 Preferred Stock ............................................. -0Loans, Net... .......................................... 105,336 Common Stock ......................................... 1,000 Securities ................................................22,223 Surplus ..................................................... .4,000 Interest Bearing Balances......................... 9,850 Undivided Profits ...................................... .4,890 Total Deposits ....................................... 148,851 Reserve for Loan Losses .......................... 1,703 Number Shares Authorized .................. 100,000 Total Equity Capital. .................................. 9,891 Number Shares Outstanding ................ 100,000 Subordinated Debt ........................................ -0DIRECTORS: James G. Williamson, Jr., M. M. Satterfield, Sr., Senator Stanley Russ, Earl F. Rogers, Frank E. Robins, Ill, J.F. O'Kelley, Charles Morgan, J. W. McCracken, Alphonse M. Hiegel, B.J. Daugherty, James H. Brewer, Dr. Bob G. Banister *Designates Chief Executive Officer CORNING BANK P.O. Box 439 Clay County Zip Code: 72422 City: Corning Population: 3,500 Charter Number: 745 Charter Date: June 15, 1984 Telephone: 857-3592 Branches: 2 Bank Holding Company Affiliate: First Paragould Bankshares, Inc. *KELLY G. WRIGHT PRESIDENT & C.E.O. LARRY BREWER CHAIRMAN OF THE BOARD G.L. LIEBLONG VICE CHAIRMAN OF THE BOARD EX. VICE PRESIDENT & CASHIER DONIS SIMPSON JIM VINSON SENIOR VICE PRESIDENT LOUISE COLEMAN VICE PRESIDENT-OPERATIONS BOB LOCKWOOD VICE PRESIDENT KARLA PATTERSON VICE PRESIDENT & MTG. LN. OFFICER LILA SHOCKLEY STAFF ACCOUNTANT VEDA ESMON AUDITOR Total Assets ............................................ 40,218 Preferred Stock ............................................. -0Loans Net... ............................................. 17, 198 Common Stock ............................................ 100 Securities ................................................ 19,364 Surplus ...................................................... 1,801 Interest Bearing Balances ............................290 Undivided Profits ....................................... 1, 150 Total Deposits .........................................35,043 Reserve for Loan Losses ............................. 186 Number Shares Authorized .................... 10,000 Total Equity Capital. ..................................3,051 Number Shares Outstanding .................. 10,000 Subordinated Debt.. ...................................... -0DIRECTORS: Larry Brewer, G.L. Lieblong, Kelly Wright, Robert Bland, J.C. Cothren, Dr. Robert Fahr, Dr. George Haynes, Roy McSpadden, J.T. Meriwether, Bill Brewer, Douglas Pillow, Alvin Samuels, Frank J. Schrert, Dr. J.M. Williams, Charles E. Williamson *Designates Chief Executive Officer State of Arkansas: Bank Department FIRST STATE BANK 123 Main Street P.O. Box 638 Ashley County Zip Code: 71635 :ity: Crossett :harter Number: 718 ·elephone: 364-5131 Population: 6,700 Charter Date: May 13, 1963 Branches: 1 Bank Holding Company Affiliate: Evergreen Bancshares, Inc. IIMMY V. FINCHER IICHARD E. GRIFFIN IONALD W. WOODS :HERYL GOODWIN EANIE PARKER :RMAWALKER PRESIDENT CHAIRMAN VICE PRESIDENT CASHIER ADM. OFFICER ASSISTANT CASHIER otal Assets ............................................ 15, 145 oans, Net.................................................8,894 iecurities .................................................. 1,649 1terest Bearing Balances ......................... 1,818 otal Deposits ......................................... 14,331 lumber Shares Authorized .................. 100,000 lumber Shares Outstanding ................ 100,000 Preferred Stock ............................................. -0Common Stock ......................................... 1,000 Surplus .........................................................380 Undivided Profits ....................................... (628) Reserve for Loan Losses ............................ .408 Total Equity Capital ...................................... 752 Subordinated Debt ........................................ -0- IIRECTORS: Charles Baxley, Donald R. Rodgers, Richard E. Griffin, C.E. Ripley, James S. Nolley )esignates Chief Executive Officer DANVILLE STATE BANK 501 Main P.O. Box 609 Yell County Zip Code: 72833 :ity: Danville :harter Number: 615 elephone: 495-2236 Population: 1,856 Charter Date: October 3, 1930 Branches: 0 Bank Holding Company Affiliate: Chambers Bancshares OHN ED CHAMBERS, JR. 0HN ED CHAMBER, Ill DWARD J. TAYLOR 'OSBY E. RAMEY CHAIRMAN OF THE BOARD PRESIDENT SENIOR VICE PRESIDENT VICE PRESIDENT & CASHIER otal Assets ............................................ 74,278 ,an, Net ................................................39,461 ecurities ................................................ 13,500 ,terest Bearing Balances ....................... 15,227 otal Deposits ......................................... 67,084 umber Shares Authorized ...................... 7,758 umber Shares Outstanding ....................7,758 Preferred Stock ............................................. -0Common Stock ............................................ 250 Surplus ......................................................2,750 Undivided Profits .......................................3,598 Reserve for Loan Losses ............................. 713 Total Equity Capital.. ................................. 6,598 Subordinated Debt ........................................ -0- IRECTORS: John Ed Chambers, Jr., John Ed Chambers, Ill, Mike Cornwell, Lloyd R. George, Fay lathis, Bobby Ramey, Charles Sloan, Edward Taylor >esignates Chief Executive Officer Seventy-Third Report 41 ARKANSAS VALLEY BANK 102 South Front Street P.O. Box 330 Yell County Zip Code: 72834 City: Dardanelle Population: 3,621 Charter Number: 714 Charter Date: August 29, 1961 Branches: 1 Telephone: 229-2151 Bank Holding Company Affiliate: Bankstock Two, Inc. CHAIRMAN CARL G. HOLT CHIEF EXECUTIVE OFFICER *GEORGE G. GLEASON, 11 MARK D. ROSS PRESIDENT • BANK SERVICES L. STEVEN ROSS PRESIDENT · MORTGAGE SERVICES SENIOR VICE PRESIDENT LARRY M. DICKS SENIOR VICE PRESIDENT SONYA LEE JUDY ELLIOTT VICE PRESIDENT DORTHY GEIBE CASHIER Total Assets ............................................31,276 Preferred Stock ............................................. .(). Loans, Nel... ............................................20,647 Common Stock ............................................783 Securities ................................................. .4,939 Surplus ...................................................... 1,576 Interest Bearing Balances ............................. -0Undivided Profits .......................................... 794 Total Deposits ......................................... 27,877 Reserve for Loan Losses ............................. 282 Number Shares Authorized ....................78,329 Total Equity Capital. ..................................3,153 Number Shares Outstanding .................. 78,329 Subordinated Debt ........................................ -0DIRECTORS: Carl G. Holt, Larry M. Dicks, Dr. Gilroy S. Cornwell, Dr. Gene D. Ring, Rennae Sims, Linda D. Gleason, George G. Gleason, II, Rosemary D. Holt, L. Steven Ross, Mark D. Ross, William S. Thornsberry "Designates Chief Executive Officer BANK OF DARDANELLE 102 North Front Street P.O. Box 90 Yell County Zip Code: 72834 City: Dardanelle Population: 3,621 Charter Number: 668 Charter Date: September 12, 1934 Telephone: 229-3311 Branches: 1 Bank Holding Company Affiliate: Bank of Dardanelle Bankshares, Inc. *H. M. ORSBURN PRESIDENT & CEO NOEL VANDOVER VICE PRESIDENT V. E. LAMBERT VICE PRESIDENT JERRY SADLER VICE PRESIDENT JANELLE PARKER CASHIER OPAL ADKISON ASSISTANT VICE PRESIDENT JANETTA JAY ASSISTANT CASHIER Total Assets ............................................ 52.475 Preferred Stock ............................................. -0Loans, Net. .............................................. 18,572 Common Stock ............................................ 200 Securities ................................................ 18,420 Surplus .........................................................825 Interest Bearing Balances .........................9,625 Undivided Profits ...................................... .4,073 Total Deposits ......................................... 46,990 Reserve for Loan Losses ............................. 165 Number Shares Authorized ...................... 8,000 Total Equity Capital.. ................................. 5,098 Number Shares Outstanding ....................8,000 Subordinated Debt... ..................................... -0DIRECTORS: Evelyn Jones, John L. Hamilton, H. M. Orsburn, James W. Wallis. Fanny B. George. L. R. Berryhill, Noel A. VanDover ~Designates Chief Executive Officer 42 State of Arkansas: Bank Department DECATUR STATE BANK Highway 59S Benton County P.O. Box 38 Zip Code: 72722 Population: 1,013 Charter Date: May 27, 1954 Branches: 1 Bank Holding Company Affiliate: None CHAIRMAN OF BOARD LLOYD PETERSON PRESIDENT •VERNON AUSTIN VICE PRESIDENT & BRANCH MGR. PAUL C. GALYEAN VICE PRESIDENT & CASHIER WANDA R. TORMEY VICE PRESIDENT BILL MONTGOMERY EXECUTIVE SECRETARY BRENDA SPRINKLES Preferred Stock ............................................. -0· Total Assets ............................................29,688 Common Stock ............................................350 Loan, Net ................................................ 19, 113 Surplus .........................................................350 Securities ..................................................2,866 Undivided Proftts ....................................... 2,289 Interest Bearing Balances............................299 Reserve for Loan Losses .............................533 Total Deposits .........................................26,525 Total Equity Capital ................................... 2,989 Number Shares Authorized ...................... 7,000 Subordinated Debt ........................................ -0Number Shares Outstanding .................... 7,000 DIRECTORS: Lloyd Peterson, Vic Evans, Tom M. Edmiston, Dr. E.N. McCollum, Dorothy Peterson, Richard E. Wilmoth, Vernon Austin, Paul Galyean City: Decatur Charter Number: 707 Telephone: 752-3281 "Designates Chief Executive Officer BANK OF DELIGHT 2nd and Antoich Streets Pike County P.O. Box 68 Zip Code: 71940 City: Delight Charter Number: 342 Telephone: 379-2293 Population: 439 Charter Date: June 16, 1911 Branches: O Bank Holding Company Affiliate: None PRESIDENT •OLEN HENDRIX EXECUTIVE VICE PRESIDENT DARWIN HENDRIX SENIOR VICE PRESIDENT GUS WINGFIELD SECRETARY BUFORD HENDRIX VICE PRESIDENT & CASHIER EDNA JOHNSON VICE PRESIDENT JAN MITCHELL VICE PRESIDENT LARRY MAY ASSISTANT CASHIER DEBORAH STONE Preferred Stock ............................................. -0Total Assets ........ ,...................................21,405 Common Stock ............................................234 Loans, Net.................................................7,297 Surplus ......................................................1,000 Securities ................................................ 11,399 Undivided Profits ....................................... 1,174 Interest Bearing Balances............................400 Reserve for Loan Losses ...............................35 Total Deposits ......................................... 18,749 Total Equity Capital ................................... 2,408 Number Shares Authorized ......................9,375 Subordinated Debt ........................................ -0· Number Shares Outstanding .................... 9,375 DIRECTORS: Olen Hendrix, Buford Hendrix, Clarence Anthony, Darwin Hendrix, Ludis Rhodes, Gus Wingfield, Cecil E. Johnson, Ill •Designates Chief Executive Officer Seventy-Third Report 43 FIRST STATE BANK OF DE QUEEN Third & Heynecker P.O. Box 970 Sevier County Zip Code: 71832 City: De Queen Charter Number: 731 Telephone: 642-4423 Population: 4,500 Charter Date: August 26, 1974 Branches: 1 Bank Holding Company Affiliate: None *ART MELSON PRESIDENT LYNN CHANEY EXECUTIVE VICE-PRESIDENT JEAN J. TOLLETT CASHIER BARBARA KITCHENS ASSISTANT VICE-PRESIDENT MARGARET FENTON ASSISTANT CASHIER Total Assets ............................................ 19,312 Preferred Stock ............................................. -0Loans, Net... ............................................ 11,585 Common Stock ............................................760 Securities ................................................. .4,520 Surplus ......................................................... 100 Interest Bearing Balances......................... 1,490 Undivided Profits ..........................................628 Total Deposits ......................................... 17,487 Reserve for Loan Losses ............................. 199 Number Shares Authorized .................. 100,000 Total Equity Capital ................................... 1,488 Number Shares Outstanding .................. 76,000 Subordinated Debt .........................................30 DIRECTORS: Gary Bell, Lou Gray, R. S. Harris, Art Melson, Ronald Moore, Dennis Smiley, Don Stemple, Coy Wiles •Designates Chief Executive Officer DERMOTT STATE BANK 108 East Speedway P.O. Drawer C Chicot County Zip Code: 71638 City: Dermott Charter Number: 672 Telephone: 538-3266 Population: 4,731 Charter Date: July 8, 1935 Branches: O Bank Holding Company Affiliate: None JOHN M. BAXTER *JAMES S. SUITT MARGARET A. MURPHY SANDRA BRASHER Total Assets ............................................ 17,349 Loans, Net. ................................................3,592 Securities ................................................ 12,368 Interest Bearing Balances.........................2,585 Total Deposits ...........................................7,443 Number Shares Authorized .................... 18,000 Number Shares Outstanding .................. 18,000 CHAIRMAN OF THE BOARD PRESIDENT & CEO VICE PRESIDENT CASHIER Preferred Stock ............................................. -0Common Stock ............................................450 Surplus .........................................................550 Undivided Profits ....................................... 1,379 Reserve for Loan Losses ...............................98 Total Equity Capital.. .................................2,477 . Subordinated Debt ........................................ -0- DIRECTORS: John M. Baxter, John M. Arnn, Clarence Horton, Swan B. Moss, Jr., W.A. Baxter, Bernard Levi, Frank Henry, Jr., James S. Suitt *Designates Chief Executive Officer 44 State of Arkansas: Bank Department FIRST STATE BANK OF DERMOTT P.O. Drawer O Chicot County Zip Code: 71638 Population: 4,731 Charter Date: May 7, 1962 Branches: 0 City: Dermott Charter Number: 732 Telephone: 538-3221 Bank Holding Company Affiliate: First Delta Financial Corporation H.W. THOMAS, M.D. *TOM H. GRUMBLES MARY K. TUCKER CLAUDINE RADANOVICH GERALDINE PARKER CHAIRMAN OF BOARD PRESIDENT EXECUTIVE VICE PRESIDENT CASHIER ASSISTANT CASHIER Total Assets ............................................ 18,280 Loans, Net. ................................................7 ,538 Securities ..................................................8,995 Interest Bearing Balances ......................... 1,699 Total Deposits ......................................... 16, 131 Number Shares Authorized .................... 17,500 Number Shares Outstanding .................. 15, 000 Preferred Stock ............................................. ·O· Common Stock ............................................ 150 Surplws .........................................................725 Undivided Profits .......................................... 853 Reserve for Loan Losses ............................. 100 Total Equity Capital. .................................. 1,728 Subordinated Debt ........................................ -0- DIRECTORS: R. H. Dennington, Tom H. Grumbles, Robert B. Gibson, Daniel C. Horton, Leonard L. Hampson, Don C. Scott, H. W. Thomas, M.D., Mary K. Tucker "Designates Chief Executive Officer FARMERS AND MERCHANTS BANK 110 South Third P.O. Box 369 Prairie County Zip Code: 72040 City: Des Arc Charter Number: 84 Telephone: 256-4191 Population: 2,100 Charter Date: January 20, 1902 Branches: O Bank Holding Company Affiliate: Security Bancshares, Inc. *SHEROD S. WHITE JAMES C. TIPTON DORA M. HOLLOWAY YVONNE HUNT CAROLYN KENNEDY BETTY HOLLIS FAYE SMITH Total Assets ............................................30,710 Loans, Net... ............................................ 10,076 Securities ................................................ 19, 195 Interest Bearing Balances ............................. -0Total Deposits .........................................23,029 Number Shares Authorized ....................78,819 Number Shares Outstanding .................. 78,819 PRESIDENT VICE PRESIDENT CASHIER ASSISTANT CASHIER ASSISTANT CASHIER ASSISTANT CASHIER SECRETARY TO BOARD Preferred Stock ............................................. -0Common Stock ............................................788 Surplus ...................................................... 1, 100 Undivided Profits ...................................... .4,806 Reserve for Loan Losses ............................. 166 Total Equity Capital. .................................. 6,695 Subordinated Debt ........................................ -0- DIRECTORS: S. R. Nichols, Henry L. Nichols, Sherod S. White, James C. Tipton, V. 0. Calhoun, Jr., George Ford, Donald Guess, R. L. Morton, G. P. Mullen, 0. L. Simmons "Designates Chief Executive Officer Seventy-Third Report 45 DEWITT BANK & TRUST CO., INC. 2nd and Jefferson Arkansas County Zip Code: 72042 City: Dewitt Charter Number: 605 Telephone: 946-3531 Population: 3,928 Charter Date: March 1 , 1929 Branches: O Bank Holding Company Affiliate: D B & T Financial Corp. *ELMER A. FERGUSON JULIAN BROWN ROBERT S. JACKSON NANCY FERGUSON PRESIDENT, CHAIRMAN OF BOARD VICE CHAIRMAN EXECUTIVE VICE PRESIDENT VICE PRESIDENT Total Assets ............................................ 59,369 Loans, Net. ..............................................20, 712 Securities ................................................ 29,492 Interest Bearing Balances .........................3,994 Total Deposits ........................................ .49, 151 Number Shares Authorized .................... 18,000 Number Shares Outstanding .................. 18,000 Preferred Stock ............................................. -0Common Stock ......................................... 1,350 Surplus.................................................... 3,150 Undivided Profits ....................................... 5,219 Reserve for Loan Losses ............................... 98 Total Equity Capital.. ................................. 9,719 Subordinated Debt ........................................ -0- DIRECTORS: W. H. Botts, Julian Brown, E.E. Denman, Ray D. Dickson, Elmer A. Ferguson, Wayne Hampton, Robert S. Jackson, George Pike, Charles W. Rasco Ill, Nancy F. Rasco, Jack Whitmore •Designales Chief Executive Officer DUMAS STATE BANK Highway 65 and 165 P.O. Box 700 Desha County Zip Code: 71639 City: Dumas Charter Number: 729 Telephone: 382-4204 Population: 6,091 Charter Date: January 11, 1974 Branches: O Bank Holding Company Affiliate: Dumas Bancshares, Inc. *JAMES R. HALL DENNIS H. FERGUSON ANITA GRIMES MARK OWEN BERNESTINE HUSKEY Total Assets ............................................ 16,841 Loans, Net. ................................................9,900 Securities ..................................................3,383 Interest Bearing Balances ......................... 1,350 Total Deposits ......................................... 15,226 Number Shares Authorized .................... 30,000 Number Shares Outstanding .................. 30,000 PRESIDENT & CEO VICE PRESIDENT CASHIER LOAN OFFICER ASSISTANT CASHIER Preferred Stock ............................................. -0Common Stock ............................................300 Surplus .........................................................700 Undivided Profits ..........................................519 Reserve for Loan Losses ............................. 141 Total Equity Capital.. ................................. 1,519 Subordinated Debt ........................................ -0- DIRECTORS: James R. Hall, Merle Peterson, A.O. French, Jr., Howard R. Harris, Dorothy Moore, William F. Teeter, Herman S. Vickers, William A. West, M.E. McDonald *Designates Chief Executive Officer 46 State of Arkansas: Bank Department MERCHANTS AND FARMERS BANK 130 West Waterman Desha County P.O. Drawer D Zip Code: 71639 Population: 6,091 Charter Date: May 9, 1909 Branches: 1 City: Dumas Charter Number: 278 Telephone: 382-4311 Bank Holding Company Affiliate: M & F Financial Corporation PRESIDENT & CHAIRMAN OF THE BOARD EXECUTIVE VICE PRESIDENT & CASHIER VICE PRESIDENT & TRUST OFFICER *LORAL M. ADCOCK DAVID J. GARRETT J. MICHAEL JONES Total Assets ............................................44,946 Loans, Net... ............................................ 19,719 Securities ................................................ 14,611 Interest Bearing Balances......................... 7,713 Total Deposits .........................................38,742 Number Shares Authorized ................... .40,000 Number Shares Outstanding ................. .40,000 Preferred Stock ............................................. -0Common Stock ......................................... 1,000 Surplus ...................................................... 1,000 Undivided Profits .......................................3, 142 Reserve for Loan Losses ............................ .412 Total Equity Capital.. .................................5, 142 Subordinated Debt ........................................ -0- DIRECTORS: Loral M. Adcock, J.E. Allmon, Jr., Charles H. Dante, Claud T. Frank, Edgar C. Gannaway, Marion S. Gill, Harold L. Jones, Clifton L. Meador, David 0. Porter 111, Thomas F. Shea "Designates Chief Executive Officer EARLE STATE BANK 810 Commerce Street Crittenden County P.O. Box 248 Zip Code: 72331 City: Earle Charter Number: 696 Telephone: 792-8613 Population: 4,000 Charter Date: April 24, 1947 Branches: 1 Bank Holding Company Affiliate: Earle Bankshares, Inc. •J. E. BROOKS JOHN ED GREGSON CHRIS M. LEHMAN MARYE. DAVIS Total Assets ............................................ 29,258 Loans, Net... ............................................ 12,564 Securities ..................................................6,203 Interest Bearing Balances ............................300 Total Deposits ......................................... 24,564 Number Shares Authorized .................. 100,000 Number Shares Outstanding ................ 100,000 PRESIDENT VICE PRESIDENT VICE PRESIDENT & MGR. VICE PRESIDENT & CASHIER Preferred Stock ............................................. -oCommon Stock ......................................... 1,000 Surplus ......................................................2,000 Undivided Profits ....................................... 1,484 Reserve for Loan Losses ............................. 143 Total Equity Capital. ..................................4,484 Subordinated Debt ........................................ -0- DIRECTORS: J.E. Brooks, John T. Morrison, J. W. Young, Jr., W. Price Morrison, Jr., W. P. Morrison, Joe M. Morrison, David W. Wallace, James H. Taylor, Jr. "Designates Chief Executive Officer 47 Seventy-Third Report THE DELTA STATE BANK Main Street P.O. Box 595 Phillips County Zip Code: 72333 City: Elaine Charter Number: 697 Telephone: 827-3397 Population: 921 Charter Date: December 30, 1947 Branches: O Bank Holding Company Affiliate: None *MARY LOUISE DEMORET FISER LAMAR MARKS Total Assets ..............................................2,559 Loans, Net. .................................................. .427 Securities .....................................................679 Interest Bearing Balances ............................ 100 Total Deposits ........................................... 1,528 Number Shares Authorized ......................1,600 Number Shares Outstanding .................... 1,600 PRESIDENT & CASHIER SECRETARY Preferred Stock ............................................. -0Common Stock .............................................. 40 Surplus ...........................................................80 Undivided Profits ..........................................911 Reserve for Loan Losses .................................4 Total Equity Capital.. .................................1,031 Subordinated Debt... ..................................... -0- DIRECTORS: Mary Louise Demoret Fiser, Lamar Marks, Esley E. Johnson, Sr. *Designates Chief Executive Officer THE EXCHANGE BANK & TRUST COMPANY 214 North Washington P.O. Box 641 Union County Zip Code: 71731 City: El Dorado Charter Number: 658 Telephone: 862-6683 Population: 26,000 Charter Date: August 12, 1933 Branches: 2 Bank Holding Company Affiliate: Exchange Bancshares, Inc. *ROBERT P. TAYLOR STEVE LEVERETTE TANDY MENEFEE GLENN RAMBIN CAROLYN BEAVERS Total Assets ............................................ 93, 141 Loans, Net. ............................................. .46,561 Securities ................................................ 27,807 Interest Bearing Balances .........................3,189 Total Deposits .........................................81, 142 Number Shares Authorized ....................40,000 Number Shares Outstanding ................. .40,000 PRESIDENT & CEO SENIOR VICE PRESIDENT SENIOR VICE PRESIDENT SENIOR VICE PRESIDENT SENIOR VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............. :........................... 1,000 Surplus .....................................,................ 1,000 Undivided Prolits ....................................... 5,786 Reserve for Loan Losses .............................771 Total Equity Capital... ................................7,786 Subordinated Debt .......................................500 DIRECTORS: James Garison, George Haefner, Edward Hurley, D. R. James, Jr., Rodney Landes, Bill G. McGuire, John R. Meadows, John Solomon, Robert P. Taylor, Charles Thomas, Dr. John Williamson, Gerald Young, Bruce Anthony • □ esignales Chief Executive Officer 48 State of Arkansas: Bank Department BANK OF ELKINS P.O. Box 333 Washington County Zip Code: 72727 City: Elkins Charter Number: 377 Telephone: 643-2131 Population: 600 Charter Date: June 1, 1912 Branches: 1 Bank Holding Company Affiliate: Community Investment, Inc. *JOEL L. BUNCH JOYCE R. BUNCH RANDALL D. HARPER MARGIE R. EATON CHAIRMAN & PRESIDENT EXECUTIVE VICE PRESIDENT & CASHIER VICE PRESIDENT ASSISTANT CASHIER Total Assets ............................................ 20,707 Loans, Net... ............................................ 14, 134 Securities ..................................................3,093 Interest Bearing Balances ......................... 1,000 Total Deposits ......................................... 19,004 Number Shares Authorized .................... 12,500 Number Shares Outstanding .................. 10,000 Preferred Stock ............................................ ·O· Common Stock ............................................ 250 Surplus .........................................................591 Undivided Profits .......................................... 788 Reserve for Loan Losses ............................. 203 Total Equity Capital. .................................. 1,629 Subordinated Debt ........................................ -0- DIRECTORS: Joel L. Bunch, Joyce R. Bunch, Sarah L. Bunch, David R. Malone *Designates Chief Executive Officer BANK OF ENGLAND 123 S. Main P.O. Box 70 Lonoke County Zip Code: 72046 City: England Charter Number: 48 Telephone: 842-2555 Population: 3,081 Charter Date: August 8, 1898 Branches: 1 Bank Holding Company Affiliate: None *SETH BOLES, JR. OTHA E. FRIZZELL GARY R. CANADA, SR. Total Assets ............................................ 14,593 Loans, Net... ..............................................5,215 Securities ..................................................8,086 Interest Bearing Balances ............................ 197 Total Deposits ......................................... 12,462 Number Shares Authorized .................... 10,000 Number Shares Outstanding .................. 10,000 PRESIDENT CASHIER ASSISTANT CASHIER Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus .........................................................750 Undivided Profits ....................................... 1, 155 Reserve for Loan Losses ............................. 123 Total Equity Capital.. .................................2,005 Subordinated Debt.. ...................................... -0- DIRECTORS: Seth Boles, Jr., Otha E. Frizzell, Gary Canada, Sr., Thomas 0. Murchison, Sr. *Designates Chief Executive Officer 49 Seventy-Third Report THE CITIZENS BANK 100 S. Allis P.O.Box 190 Lonoke County Zip Code: 72046 City: England Charter Number: 633 Telephone: 842-2541 Population: 3,081 Charter Date: January 14, 1931 Branches: 0 Bank Holding Company Affillate: None *KA YE L. HALL SHEILA C. RICE BOBBY D. MONTGOMERY PRESIDENT & CEO VICE PRESIDENT & CASHIER VICE PRESIDENT & LOAN OFFICER Total Assets ............................................21, 194 Loans, Net. ................................................9,231 Securities ..................................................9,322 Interest Bearing Balances......................... 1,091 Total Deposits ......................................... 17,590 Number Shares Authorized ......................9,600 Number Shares Outstanding ....................9,600 Preferred Stock ............................................. -0· Common Stock ............................................ 240 Surplus ...................................................... 1, 160 Undivided Profits ....................................... 1,459 Reserve for Loan Losses ............................... 13 Total Equity Capttal ...................................2,859 Subordinated Debt ........................................ -0- DIRECTORS: Kaye L. Hall, John W. Gann, Dorothy C. Morey, Sheila C. Rice, Pauline Leonard, D. B. Morgan, Jr., Bobby D. Montgomery "Designates Chiel Executive Officer THE EUDORA BANK Drawer 270 Chicot County Zip Code: 71640 City: Eudora Charter Number: 629 Telephone: 355-8311 Population: 3,600 · Charter Date: December 23, 1930 Branches: 0 Bank Holding Company Affiliate: Delta Bancshares, Inc. *GENE KEITH CLAUDENE STEPHENS JEAN CONNELL MARY RUTH KELLER CHARLOTTE ROSSON EDWARD MCDOWELL Total Assets ............................................ 21,244 Loans, Net. ................................................8,619 Securities ..................................................8,884 Interest Bearing Balances ......................... 1,889 Total Deposits ......................................... 18,573 Number Shares Authorized ...................... 1,400 Number Shares Outstanding .................... 1,400 EXECUTIVE VICE PRESIDENT CASHIER ASSISTANT VICE PRESIDENT ASSISTANT VICE PRESIDENT ASSISTANT CASHIER LOAN OFFICER Preferred Stock ............................................ -0Common Stock ............................................350 Surplus ...................................................... 1,400 Undivided Profits .......................................... 522 Reserve for Loan Losses ............................. 180 Total Equity Capital. .................................. 2,272 Subordinated Debt ........................................ -0- DIRECTORS: W.K. Grubbs. Curt Rankin, Charles F. Poole, W. Weaver, Alvin Meyer, Jr., W.R. Selman, Jimmy Pylate *Designates Chief Executive Officer 50 State of Arkansas: Bank Department BANK OF EUREKA SPRINGS 70 South Main P.O.Box 309 Carroll County Zip Code: 72632 City: Eureka Springs Charter Number: 374 Telephone: 253-8241 Population: 1,986 Charter Date: May 4, 1912 Branches: 2 Bank Holding Company Affiliate: None *JOHN F. CROSS RICHARD KELLEY W. K. GLADDEN PRESIDENT VICE PRESIDENT VICE PRESIDENT Total Assets ............................................37,219 Loans, Net. ..............................................22,047 Securities ..................................................6,862 Interest Bearing Balances ......................... 1,449 Total Deposits .........................................32,947 Number Shares Authorized ......................4,000 Number Shares Outstanding ................... .4,000 Preferred Stock ............................................. -0Common Stock ............................................400 Surplus ...................................................... 1,600 Undivided Prof~s ....................................... 1,907 Reserve for Loan Losses ............................. 151 Total Equily Capital... ................................ 3,907 Subordinated Debt ........................................ -o- DIRECTORS: John F. Cross, James D. Bird, Loren L. Clark, Claude C. Cross, Ruth F. Cross, Lewis E. Epley, Jr., Wayne Johnson, Dorothy F. Mathews, Michael F. Mathews, Eagle Thomas, A.J. Clark *Designates Chief Executive Officer BANK OF EVENING SHADE Hwy 167 South P.O.Box 98 Sharp County Zip Code: 72532 City: Evening Shade Charter Number: 69 Telephone: 266-3215 Population: 394 Charter Date: February 6, 1901 Branches: 0 Bank Holding company Affiliate: Sharp Bancshares, Inc. JAMES M. STREET *A. L. HOANEY SHARON K. QUALLS Total Assets ..............................................7,978 Loans, Net. ................................................3,281 Securities ..................................................2,800 Interest Bearing Balances ............................ 800 Total Deposits ........................................... 7,108 Number Shares Authorized ......................6,200 Number Shares Outstanding ....................6,200 CHAIRMAN PRESIDENT/CEO VICE PRESIDENT-CASHIER Preferred Stock ............................................. -0Common Stock ............................................ 155 Surplus .........................................................275 Undivided Profits ..........................................368 Reserve for Loan Losses .............................. .43 Total Equily Capital. ..................................... 798 Subordinated Debt ........................................ -0- DIRECTORS: James M. Street, James E. Street, Eugene Street, Samuel F. Beller, Clifton Crabtree, A.L. Hoaney *Designates Chief Executive Officer Seventy-Third Report 51 MCILROY BANK & TRUST One Mcilroy Plaza P.O.Box 1327 Washington County Zip Code: 72701 City: Fayetteville Charter Number: 31 Telephone: 575-1000 Population: 40,000 Charter Date: December 24, 1892 Branches: 5 Bank Holding Company Affiliate: Northwest Arkansas BancShares *JAMES C. GLENN BRUCE LOFTIN BILL GOULD JIM WILSON PRESIDENT/CEO SENIOR VICE PRESIDENT SENIOR VICE PRESIDENT VICE PRESIDENT Total Assets .......................................... 143,650 Loans, Net. .............................................. 74,960 Se<:urities ................................................49,807 Interest Bearing Balances ........................ .4,684 Total Deposits ....................................... 128,615 Number Shares Authorized .................. 811, 120 Number Shares Outstanding ................ 350,692 Preferred Stock ............................................. -0Common Stock .........................................8,353 Surplus ...................................................... 1,407 Undivided Profits .................................... (1,368) Reserve for Loan Losses ..........................2,884 Total Equity Capital. ..................................8,392 Subordinated Debt .................................... 1.500 DIRECTORS: Jim C. Walton, J. Frank Broyles, Carl Collier, James C. Glenn, Millard Goff, Ann Henry, F.H. Martin, James D. Mashburn, James H. Stewart, Charles E. Scharlau, Jim Bob Wheeler "Designates Chief Executive Officer FORDYCE BANK & TRUST COMPANY 200 West 4th P.O.Box 352 Dallas County Zip Code: 71742 City: Fordyce Charter Number: 631 Telephone: 352-3107 Population: 5,175 Charter Date: January 5, 1931 Branches: 2 Bank Holding Company Affiliate: FBT Bancshares, Inc. *CURTIS HUTCHINS SUZETTE CRUTCHFIELD J.H.EVERETT JAMES V. HULSE, JR. WANDASMURL Total Assets ............................................39,900 Loans. Net... ............................................ 16, 199 Securities ................................................ 19,430 Interest Bearing Balances ............................ 600 Total Deposits .........................................35,421 Number Shares Authorized ......................8,000 Number Shares Outstanding ....................8,000 CHAIRMAN & PRESIDENT CASHIER & VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT ASSISTANT VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............................................200 Surplus ...................................................... 1,600 Undivided Profits ....................................... 1,815 Reserve for Loan Losses .............................206 Total Equity Capital. .................................. 3,615 Subordinated Debt ........................................ -0- DIRECTORS; Curtis Hutchins, J.H. Everett, L. Weems Trussell. J.W. Hearnsberger, J. Graydon Parham, D.J. Barnes, E.C. Benton, Jr., Sarah K. Benton 'Designates Chief Executive Officer 52 State of Arkansas: Bank Department PLANTERS BANK AND TRUST COMPANY 321 N. Rosser Street P.O.Box 1539 St. Francis County Zip Code: 72335 City: Forrest City Charter Number: 527 Telephone: 633-2833 Population: 18,000 Charter Date: April 15, 1921 Branches: 3 Bank Holding Company Affiliate: None *FRANKIE PRATT CHAIRMAN & CEO JOYCE L. CLARK PRESIDENT WADE HAWKINS, SR. VICE PRESIDENT STEVE HORTON VICE PRESIDENT DIANE THOMASON VICE PRESIDENT J. C. CAMPBELL VICE PRESIDENT SUSAN ROLLEY VICE PRESIDENT DAVID HARDKE VICE PRESIDENT Total Assets ........................................... .49,648 Preferred Stock ............................................ -0Loans, Net... ............................................ 21,567 Common Stock ............................................600 Securities ..................................................9,220 Surplus ......................................................2,900 Interest Bearing Balances ............................. -0Undivided Profits .......................................... 503 Total Deposits .........................................45,169 Reserve for Loan losses............................ .492 Number Shares Authorized ....................24,000 Total Equity Capital.. ................................. 4,003 Number Shares Outstanding ..................24,000 Subordinated Debt ........................................ -0DIRECTORS: Frankie Pratt, Joyce L. Clark, David Hardke, O.J. Gandy, Rex Twist, J.R. Chappell, John Casbeer, Mickey Cissell, J.R. Grobmyer, Oral Edwards, C.N. Haven *Designates Chief Executive Officer PLANTERS & MERCHANTS BANK 320 W. Main P.O.Box 538 Arkansas County Zip Code: 72055 City: Gillett Charter Number: 721 Telephone: 548-2211 Population: 927 Charter Date: January 13, 1967 Branches: 0 Bank Holding Company Affiliate: None 'LARRY E. BAUER PRESIDENT KENETH SMITH CHAIRMAN OF BOARD LLOYD E. WALLACE ASSISTANT VICE PRESIDENT ALICE M. PERRITT CASHIER FRANK C. WOLFE VICE CHAIRMAN DARREL NICHOLS SECRETARY OF BOARD CAROLYN SULLIVAN ASSISTANT CASHIER Total Assets ............................................ 12,625 Preferred Stock ............................................. -0Loans, Net... .............................................. 9,097 Common Stock ............................................ 150 Securities .................................................. 1 ,682 Surplus .........................................................700 Interest Bearing Balances ............................200 Undivided Profits ......................................... .473 Total Deposits ......................................... 11, 124 Reserve for Loan Losses ............................. 114 Number Shares Authorized .................... 12,000 Total Equity Capilal ................................... 1,323 Number Shares Outstanding .................. 12,000 Subordinated Debt... ..................................... -0DIRECTORS: Keneth Smith, Frank C. Wolfe, Darrel Nichols, W.P. Hackney, Bobby Turner, Scott Place, Larry E. Bauer 'Designates Chief Executive Officer 53 Seventy-Third Report THE BANK OF GLENWOOD Broadway and Pullman P.O.Box O Pike County Zip Code: 71943 City: Glenwood Charter Number: 398 Telephone: 356-2121 Population: 1,402 Charter Date: December 27, 1912 Branches: 1 Bank Holding Company Affiliate: None *VICTOR H. COX PATRICIA OWENS LYNDA ROBBINS KATHRYN BAXTER PRESIDENT CASHIER VICE PRESIDENT ASSISTANT VICE PRESIDENT Total Assets ............................................ 26,644 Preferred Stock ............................................. -0Loans, Net.. ............................................. 15,850 Common Stock ............................................ 100 Securities ..................................................3, 193 Surplus .........................................................650 Interest Bearing Balances ......................... 5,069 Undivided Profits ....................................... 1, 193 Total Deposits .........................................24,428 Reserve for Loan Losses ............................. 210 Number Shares Authorized ...................... 4,000 Total Equity Capital. .................................. 1,943 Number Shares Outstanding .................... 4,000 Subordinated Debt.. ...................................... -0DIRECTORS: Irvin C. Bainum, Victor H. Cox, Mark Bainum, Roy Wisener, Richard L. Cox *Designates Chief Executive Officer FIRST STATE BANK 340 S. Main Street P.O. Box A Lincoln County Zip Code: 71643 City: Gould Charter Number: 719 Telephone: 263-4325 Population: 1,671 Charter Date: January 6, 1964 Branches: 1 Bank Holding Company Affiliate: Gould Bancshares, Inc. *HAROLD H. REID MARY L. NOLAN ERNEST C. BRADSHAW W. J. BOREN WANDAJ.ROBERTSON DEBBYE BRADLEY PAT ROOK PRESIDENT & CEO SENIOR VICE PRESIDENT & CASHIER EXECUTIVE VICE PRESIDENT 1st VICE PRESIDENT VICE PRESIDENT ASSISTANT VICE PRESIDENT ASSISTANT CASHIER Total Assets ............................................ 12,879 Preferred Stock ............................................. -0Loans, Net. ................................................7,570 Common Stock ............................................200 Securities ..................................................2,457 Surplus ...................................................... 1,000 Interest Bearing Balances ......................... 1,281 Undivided Profits ............................................ 16 Total Deposits ......................................... 11,475 Reserve for Loan Losses ............................. 185 Total Equity Capital ................................... 1,216 Number Shares Authorized .................... 20,000 Subordinated Debt ........................................ -0Number Shares Outstanding .................. 20,000 DIRECTORS: W.J. Boren, Don Eilling, Kenneth Johnson, Stanley Norris, L.E. Branson, Jr., T.M. Fish, R.C. Johnson, H.H. Reid, W.H. Carder, Sr., Victor Holthoff, R.W. Jones, John Rogers "Designates Chief Executive Officer 54 State of Arkansas: Bank Department BANK OF GRAVETTE Main & 3rd Benton County P.O.Box 160 Zip Code: 72736 Population: 1,154 Charter Date: March 2, 1898 Branches: 0 City: Gravette Charter Number: 46 Telephone: 787-5251 Bank Holding Company Affiliate: None 'JOHN R. MEADE DAVID N. WILLS BILL R. MEADE JIM A. EDMONDSON LARRY WILMOTH MARGARET PEARSON VIRGINIA GIBSON WALT NIELSEN PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT CASHIER ASSISTANT CASHIER ASSISTANT CASHIER ASSISTANT CASHIER Total Assets ............................................54,630 Preferred Stock ............................................. -0Loans, Net... ............................................25,890 Common Stock ............................................ 100 Securities ................................................23,784 Surplus .........................................................900 Interest Bearing Balances............................300 Undivided Profits .......................................5,308 Total Deposits .........................................46,32B Reserve for Loan Losses ............................. 363 Number Shares Authorized ..................... .4,000 Total Equity Capital. ..................................6,308 Number Shares Outstanding ................... .4,000 Subordinated Debt ........................................ -0DIRECTORS: John R. Meade, David N. Wills, Bill R. Meade, Jim A. Edmondson, Phillip Chastain, George Haley, George Cowgur, Albert Dunagin •Designates Chief Executive Officer FARMERS BANK P.O.Box 610 Sebastian County Zip Code: 72936 City: Greenwood Charter Number: 243 Telephone: 996-4171 Population: 3,500 Charter Date: August 7, 1907 Branches: 3 Bank Holding Company Affiliate: None MEANS WILKINSON BETTY WILKINSON STANHOPE WILKINSON EDWARD WILKINSON CHAIRMAN PRESIDENT & CEO VICE PRESIDENT VICE PRESIDENT Total Assets ............................................50,241 Preferred Stock ............................................. -0Loans, Net. .............................................. 18,963 Common Stock ............................................300 Securities ................................................ 22,056 Surplus ......................................................2,000 Interest Bearing Balances ........................ .4,471 Undivided Profits .......................................3,707 Total Deposits ......................................... 43,473 Reserve for Loan Losses ............................. 132 Number Shares Authorized ......................7,500 Total Equity Capital ...................................6,007 Number Shares Outstanding .................... 7,500 Subordinated Debt.. ...................................... -0DIRECTORS: Means Wilkinson, Betty Wilkinson, Stanhope Wilkinson, Edward Wilkinson, Bronson Andrews "Designates Chief Executive Officer 55 Seventy-Third Report FIRST STATE BANK 100 Main P.O.Box 446 Clark County Zip Code: 71743 Population: 2,500 Charter Date: August 4, 1900 Branches: 2 City: Gurdon Charter Number: 61 Telephone: 353-2534 Bank Holding Company Affiliate: None EXECUTIVE VICE PRESIDENT & CEO VICE PRESIDENT & CASHIER VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT *CARROLL COSTON ERNEST ASHFORD ROSS A. CONANT JO DAVIES LINDA BITTLE Total Assets ............................................25,752 Preferred Stock ............................................. -0Loans, Net. .............................................. 10,821 Common Stock ............................................383 Securities ..................................................5, 135 Surplus ......................................................2,317 Interest Bearing Balances.........................6,552 Undivided Profits .................................... (1,330) Total Deposits ......................................... 22,863 Reserve for Loan Losses.............................348 Number Shares Authorized .................... 75,000 Total Equity Capital.. ................................. 1,370 Number Shares Outstanding ........................ -0Subordinated Debt... ....................................300 DIRECTORS: C. Louis Cabe, Paul Barringer, Austin Capps, Carroll Coston, Al Brown, Charles Cabe, John Jackson, Dick Jackson, Jimmy Robbs, Maurice Stricklin, Autrey Home "Designates Chief Executive Officer FARMERS BANK 210 N. Main P.O.Box 350 Ashley County Zip Code: 71646 City: Hamburg Charter Number: 680 Telephone: 853-5222 Population: 3,396 Charter Date: April 14, 1941 Branches: O Bank Holding Company Affiliate: None *GUY HUMPHRIES GORDON S. PRICE, SR. WILLIAM E. WHITE VELMA J. FARMER ALLEN FARMER PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT CASHIER Total Assets ............................................26,021 Preferred Stock ............................................. -0Loans, Net. .............................................. 13,391 Common Stock ............................................556 Securities ..................................................3,652 Surplus .........................................................796 Interest Bearing Balances......................... 7,031 Undivided Profits ..........................................519 Total Deposits .........................................23,927 Reserve for Loan Losses ............................. 192 Number Shares Authorized ....................30,000 Total Equity Capital. .................................. 1,872 Number Shares Outstanding ..................22,260 Subordinated Debt ........................................ -0DIRECTORS: P.E. Barnes, Joel W. Foote, Nancy C. Foote, W.E. Foote, Jr., Guy Humphries, William E. Johnson, Gordon S. Price, Sr., Ear1 J. Scott, Jack H. Shell, John W. Spivey *Designates Chief Executive Officer State of Arkansas: 56 Bank Department CALHOUN COUNTY BANK 200 Main P.0.Box 8 Calhoun County Zip Code: 71744 City: Hampton Charter Number: 220 Telephone: 798-2207 Population: 1,627 Charter Date: October 26, 1906 Branches: 0 Bank Holding Company Affiliate: None *SEARCY HARRELL, SR. SEARCY HARRELL, JR. B. DICKSON NEAL BILLY G. WRIGHT LEN HARRELL CHAIRMAN & CEO VICE CHAIRMAN OF BOARD PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT Total Assets ............................................ 26,075 Loans, Net... ............................................ 10,508 Securities ................................................ 12,328 Interest Bearing Balances ............................ 798 Total Deposits .........................................23, 173 Number Shares Authorized ......................4,000 Number Shares Outstanding ....................4,000 Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus .........................................................900 Undivided Profits ....................................... 1,684 Reserve for Loan Losses ............................. 268 Total Equity Capital ................................... 2,684 Subordinated Debt... ..................................... -0- DIRECTORS: Hubert Brown, Phillip J. Foster, Searcy Harrell, Jr., Searcy Harrell, Sr., Len Harrell, Fay Harrell, B. Dickson Neal, H.M. Welsh, D.W. Wells, Billy G. Wright *Designates Chief Executive Officer THE BANK OF HARRISBURG 201 E. Jackson P.0.Box 17 Poinsett County Zip Code: 72432 City: Harrisburg Charter Number: 620 Telephone: 578-2472 Population: 1,963 Charter Date: December 12, 1930 Branches: 0 Bank Holding Company Affiliate: Lake Hamilton Enterprises, Inc. *JERRY M. DYER JAMES WILLIAMS DONALD BRITNELL Total Assets ............................................ 25,470 Loans, Net. .............................................. 12,990 Securities ..................................................5, 657 Interest Bearing Balances ......................... 2,078 Total Deposits .........................................23,503 Number Shares Authorized ......................4,000 Number Shares Outstanding ................... .4,000 PRESIDENT EXECUTIVE VICE PRESIDENT CASHIER Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus ......................................................2,900 Undivided Profits .................................... (1,183) Reserve for Loan Losses ............................. 607 Total Equity Capital ................................... 1,817 Subordinated Debt ........................................ -0- DIRECTORS: Jim Tom Butler, Anna Margaret Butler, Connie Butler, Patricia Butler, Jerry M. Dyer, Beth Eaton, Paul Eaton, Harold Majors, James Williams *Designates Chief Executive Officer Seventy-Third Report 57 THE SECURITY BANK 303 N. Vine P.O.Box 1078 Boone County Zip Code: 72601 City: Harrison Charter Number: 647 Telephone: 741-8200 Population: 9,500 Charter Date: November 20, 1931 Branches: 3 Bank Holding Company Affiliate: First Security Corporation L.E. DURAND *WAYNE CLARK JOHN THORNTON JERRY McFARLAND DOLORES LAFFERTY RICHARD McBEE SUE McELROY JAMES A. MARSHALL CHAIRMAN OF BOARD PRESIDENT & CEO SR. VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT Total Assets .......................................... 109,921 Loans,Net ................................................60,758 Securities ................................................38,056 Interest Bearing Balances ......................... 2,676 Total Deposits .........................................99,355 Number Shares Authorized .................. 180,000 Number Shares Outstanding ................ 180,000 Preferred Stock ............................................. -0Common Stock ......................................... 1,800 Surplus ......................................................3,200 Undivided Prolils ....................................... 2,715 Reserve for Loan Losses .......................... 1,016 Total Equity Capital. .................................. 7,715 Subordinated Debt ........................................ -0- DIRECTORS: Dr. Ralph Bowers, John 0. Campbell, Wayne Clark, L.E. Durand, Sheridan Garrison, Richard R. Hudson, Junior Lee, Uvalde Lindsey, Jerry P. Maland, Miller J. Mathews, Jr., H.K. Mccaleb, Jr., Tom W. Rogers, Jr. *Designates Chief Executive Officer HAZEN FIRST STATE BANK Chester at Front P.O.Box 783 Prairie County Zip Code: 72064 City: Hazen Charter Number: 744 Telephone: 255-4567 Population: 1,500 Charter Date: May 12, 1983 Branches: 1 Bank Holding Company Affiliate: None TOMMY HILLMAN *W.M.SHARP H. W. CLAYTON NANCY C. KOCOUREK CHAIRMAN PRESIDENT/CEO VICE PRESIDENT CASHIER Total Assets ............................................ 12,607 Preferred Stock ............................................ -0Loans, Net. ................................................7,325 Common Stock ............................................665 Securities ..................................................2,951 Surplus .........................................................315 Interest Bearing Balances ............................ 289 Undivided Profits ......................................... (91) Total Deposits ......................................... 11,642 Reserve for Loan Losses .............................251 Number Shares Authorized .................... 15,000 Total Equity Capital.. ....................................889 Number Shares Outstanding .................. 13,308 Subordinated Debt ........................................ -00IRECTORS: Tommy Hillman, Neil Maynard, Pat Henderson, Robert Petter, Sr., Vernon J. Giss •oesignates Chief Executive Officer 58 State of Arkansas: Bank Department THE CLEBURNE COUNTY BANK 806 West Main Street P.O.Box 1000 Cleburne County Zip Code: 72543 City: Heber Springs Charter Number: 626 Telephone: 362-2456 Population: 5,371 Charter Date: December 16, 1930 Branches: 4 Bank Holding Company Affiliate: Lake Hamilton Enterprises, Inc. JEROME JOHNSON WALTER ALDRIDGE JUANITA TAYLOR PEGGY SMITH MARY HOLLAND PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT & CASHIER VICE PRESIDENT VICE PRESIDENT Total Assets ............................................94, 775 Loans, Net... ............................................37, 115 Securities ................................................48,486 Interest Bearing Balances .........................2,064 Total Deposits .........................................86,885 Number Shares Authorized ...................... 1,200 Number Shares Outstanding .................... 1,200 Preferred Stock ............................................. -0Common Stock ............................................ 120 Surplus ......................................................2,500 Undivided Profits ....................................... 4,300 Reserve for Loan Losses ............................. 508 Total Equity Captial. .................................. 6.920 Subordinated Debt .......................................250 DIRECTORS: Jim Tom Butler, Jerome Johnson, Walter Aldridge, LE. Roberts, Jr., Richie Lee, Beth Eaton, Anna Margaret Butler, Connie Butler, Patricia Butler, Dr. Ricky Johnson, Paul Eaton, Wetzel Stark, Harold Majors, Jr., Jerry Dyer •oesignates Chief Executive Officer HEBER SPRINGS STATE BANK 2nd & Main Streets P.O.Box 30 Cleburne County Zip Code: 72543 City: Heber Springs Charter Number: 735 Telephone: 362-5821 Population: 5,371 Charter Date: May 27, 1977 Branches: 1 Bank Holding Company Affiliate: State Holding Company HARRY L. HASTINGS, JR. THOMAS E. PROPES, JR. ROBERT A. CARD JOYCE HARRAL JANICE PARROTT CHAIRMAN PRESIDl:NT & CEO SENIOR VICE PRESIDENT VICE PRESIDENT & CASHIER VICE PRESIDENT Total Assets ............................................34,649 Loans, Net ................................................22, 763 Securities ................................................. .4,647 Interest Bearing Balances ......................... 3,206 Total Deposits .........................................32,215 Number Shares Authorized ....................21,000 Number Shares Outstanding .................. 18,000 Preferred Stock ............................................. -0Common Stock ......................................... 1,766 Surplus .........................................................650 Undivided Profits ....................................... (447) Reserve for Loan Losses .............................384 Total Equity Capital.. ................................. 1,969 Subordinated Debt ....................................... 260 DIRECTORS: Harry L. Hastings, Jr., Al Harkins, Catherine Owen, Thomas E. Propes, Jr. ~Designates Chief Executive Officer Seventy-Third Report 59 BANK OF HOLLY GROVE P.O.Box Q Monroe County Zip Code: 72069 City: Holly Grove Charter Number: 118 Telephone: 462-3331 Population: 850 Charter Date: March 10, 1903 Branches: o Bank Holding Company Affiliate: None "THOMAS M. HARGROVE JEAN M. KIRKPATRICK PRESIDENT SENIOR VICE PRESIDENT & CASHIER Total Assets ............................................ 20, 141 Loans, Net. ................................................9, 728 Securities ..................................................9,075 Interest Bearing Balances ............................ 1 Total Deposits ......................................... 17,059 Number Shares Authorized ......................2,400 Number Shares Outstanding ....................2,400 oo Preferred Stock ............................................. -0Common Stock ..............................................60 Surplus .........................................................940 Undivided Profits ....................................... 1,608 Reserve for Loan Losses ............................. 180 Total Equity Capital. ..... : ............................ 2,608 Subordinated Debt ........................................ -0- DIRECTORS: Wilsie M. Matthews, Donald A. Dearing, Ruth T. Dearing, Thomas M. Hargrove, Jean M. Kirkpatrick, John B. Moore, Jr., R.H. Mayo, Herd E. Stone, Jr. "Designates Chief Executive Officer HORATIO STATE BANK Corner of Pride & Main P.O.Box 347 Sevier County Zip Code: 71842 City: Horatio Charter Number: 179 Telephone: 832-2501 Population: 989 Charter Date: May 15, 1905 Branches: O Bank Holding Company Affiliate: Pioneer Bancshares, Inc. *C.E. HENDRIX, JR. EDITH H. SMITH WILBURN SMITH LOLA J. LAWRENCE AGNES J. LINCOLN Total Assets ............................................22 ,200 Loans, Net... ............................................ 11 ,228 Securities .................................................. 3,651 Interest Bearing Balances ......................... 5,stl4 Total Deposits .........................................20,251 Number Shares Authorized ...................... 2,000 Number Shares Outstanding .................... 2,000 PRESIDENT TREASURER-SENIOR VICE PRESIDENT EX. VP and CASHIER OPERATIONS OFFICER BOOKKEEPING OFFICER Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus ...................................................... 1,000 Undivided Profits .......................................... 698 Reserve for Loan Losses ............................. 280 Total Equity Capital.. ................................. 1,798 Subordinated Debt ........................................ -0- DIRECTORS: C.E. Hendrix, Jr., Edith H. Smith, Wilburn Smith, Loy Poag, Fred Sullivan, Lilla S. Hendrix *Designates Chief Executive Officer 60 State of Arkansas: Bank Department ARKANSAS BANK & TRUST COMPANY P.O.Box 5640 Garland County Zip Code: 71901 City: Hot Springs Charter Number: 232 Telephone: 624-4611 Population: 36,228 Charter Date: April 18, 1907 Branches: 7 Bank Holding Company Affiliate: ABT Bancshares Corporation CECIL W. CUPP *CECIL W. CUPP, JR. RAYL. CASH GARY E. BLENDEN PALMER VANDERBURG RALPH WHITE SENIOR CHAIRMAN OF THE BOARD CHAIRMAN OF THE BOARD AND CEO PRESIDENT EXECUTIVE VICE PRESIDENT SENIOR VICE PRESIDENT SENIOR VICE PRESIDENT Total Assels ..........................................286,214 Loans, Net. ............................................204,302 Securities ............................................... .28,881 Interest Bearing Balances ............................. -0Total Deposits .......................................262,607 Number Shares Authorized .................. 150,834 Number Shares Outstanding ................ 150,834 Preferred Stock ............................................. -0· Common Stock .........................................3,771 Surplus ...................................................... 5,771 Undivided Profits ....................................... 7.953 Reserve for Loan Losses .......................... 2,019 Total Equity Capital.. ............................... 17,495 Subordinated Debt.. .................................. 2,507 DIRECTORS: Cecil W. Cupp, Cecil W. Cupp, Jr., Ray L. Cash, Gary L. Blenden, Palmer Vanderburg, Cecil W. Cupp Ill, Gerald H. Fisher, Gaither C. Johnson, Jr., Roy L. Murphy, Jim Randall, John D. Selig, Ray S. Smith, Jr., Richard S. Smith, Hill A. Wheatley, Herman L. Wilson, Jr. "Designates Chief Executive Officer BANK OF IMBODEN P.O.Box 320 Lawrence County Zip Code: 72434 City: Imboden Charter Number: 727 Telephone: 869-2291 Population: 661 Charter Date: December 29, 1972 Branches: 1 Bank Holding Company Affiliate: Imboden Bancshares, Inc. •J.R. DAVID, JR. CHAIRMAN STEPHEN E. JONES VICE CHAIRMAN & PRESIDENT PRESTON L. CLARK EXECUTIVE VICE PRESIDENT & CASHIER Total Assets ............................................20,567 1 ~:::iti~:'.::::::::::::::::::::::::::::::::::::::::::::::: .~:~~: Preferred Stock ............................................. -0· ~~~:;~.~.'.~~.k.::::::::::::::::::::::::::::::::::::::::::::'..~~ Interest Bearing Balances............................ 199 Undivided Profits .......................................... 143 Total Deposits ......................................... 19,910 Reserve for Loan Losses .............................591 Number Shares Authorized .................... 10,000 Total Equity Capital.. ....................................393 Number Shares Outstanding ....................6,600 Subordinated Debt ....................................... 150 DIRECTORS: J.R. David, Jr., Stephen E. Jones, Preston L. Clark, Dan H. Matthews, Jerry R. Foley, Austin Stovall *Designates Chief Executive Officer 61 Seventy-Third Report FIRST JACKSONVILLE BANK & TRUST 600 W. Main Street P.O.Box 827 Pulaski County Zip Code: 72076 City: Jacksonville Charter Number: 701 Telephone: 982-4511 Population: 27,000 Charter Date: August 2, 1949 Branches: 4 Bank Holding Company Affiliate: First Arkansas Bancshares, Inc. *KENNETH PAT WILSON CHAIRMAN & CEO PRESIDENT LARRY T. WILSON EXECUTIVE VICE PRESIDENT JOHN S. FORTENBURY VICE PRESIDENT-OPERATIONS SIBYL H. CLAY JOHN McNEE VICE PRESIDENT & TRUST OFFICER DWIGHT BENTON VICE PRESIDENT LYNN FAGAN VICE PRESIDENT & MARKETING FRED LOTTER VICE PRESIDENT & AUDITOR VICE PRESIDENT-TELLER OPERATIONS MARY VERSER BILL PENDELTON VICE PRESIDENT Total Assets ............................................80,383 Preferred Stock ............................................. -0Loans, Net. ............................................. .45,766 Common Stock .........................................2,000 Securities ................................................25,300 Surplus ...................................................... 1,000 Interest Bearing Balances ............................200 Undivided Profits ...................................... .4,283 Total Deposits .........................................72,344 Reserve for Loan Losses ............................. 653 Number Shares Authorized ..................200,000 Total Equity Capital. .................................. 7,283 Number Shares Outstanding ................ 200,000 Subordinated Debt... ..................................... -0DIRECTORS: Harry K. Dougherty, Joseph W. Gelzine, Bartus M. Gray, Jr., Melda A. Rice, Carl A. Williams, Kenneth Pat Wilson, Larry T. Wilson, Dr. Thomas A. Wortham *Designates Chief Executive Officer NEWTON COUNTY BANK Church & Stone Street P.O.Box 437 Newton County Zip Code: 72641 City: Jasper Charter Number: 121 Telephone: 446-2265 Population: 519 Charter Date: March 24, 1903 Branches: 1 Bank Holding Company Affiliate: Newco Corporation CARL G. HOLT CHAIRMAN CHIEF EXECUTIVE OFFICER *GEORGE G. GLEASON, II PRESIDENT - BANK SERVICES MARK D. ROSS L. STEVEN ROSS PRESIDENT - MORTGAGE SERVICES SENIOR VICE PRESIDENT LARRY M. DICKS DANNY CRINER EXECUTIVE VICE PRESIDENT GEORGE LANDRUM VICE PRESIDENT & CASHIER Total Assets ............................................33,050 Preferred Stock ............................................. -0Loans, Net. ..............................................21,509 Common Stock ..............................................58 Securities ..................................................6,604 Surplus ...................................................... 1,842 Interest Bearing Balances ............................ 100 Undivided Profits ..........................................843 Total Deposits .........................................30,099 Reserve for Loan Losses .............................221 Number Shares Authorized ......................2,500 Total Equity Capltal ...................................2,743 Number Shares Outstanding ....................2,340 Subordinated Debt... ..................................... -0DIRECTORS: Carl G. Holt, George G. Gleason, II, Mark D. Ross, Danny Criner, George Landrum, L. Steven Ross, Linda D. Gleason *Designates Chief Executive Officer 62 State of Arkansas: Bank Department BANK OF NORTHEAST ARKANSAS 800 South Main P.O.Box 1617 Craighead County Zip Code: 72403 City: Jonesboro Charter Number: 150 Telephone: 932-2131 Population: 31,530 Charter Date: February 14, 1904 Branches: 4 Bank Holding Company Affiliate: None *SLOAN RAINWATER PRESIDENT & CHAIRMAN AUDREY GLENN EXECUTIVE VICE PRESIDENT MAXG. COBB SENIOR VICE PRESIDENT LOYCE MINK VICE PRESIDENT EVA BEELER ASSISTANT VICE PRESIDENT & CASHIER GAIL NEBLETT ASSISTANT VICE PRESIDENT BRENDA GRIFFITH ASSISTANT CASHIER WM. I. RAINWATER VICE CHAIRMAN Total Assets ............................................41,166 Preferred Stock ............................................. -0Loans, Net .............................................. 19,715 Common Stock ............................................750 Securities ..................................................9,378 Surplus ...................................................... 1,000 Interest Bearing Balances ......................... 4,599 Undivided Profits ....................................... 1,791 Total Deposits .........................................37 ,037 Reserve for Loan Losses ............................. 576 Number Shares Authorized .................... 75,000 Total Equity Capital ...................................3,541 Number Shares Outstanding .................. 75,000 Subordinated Debt... .................................... 275 DIRECTORS: A.B. Clark, Steve Cox, Virginia R. Cox, Grover D. Poole, M.D., Sloan Rainwater, Wm. I Rairwater, Wm. I. Rainwater, Jr, W.T. Rainwater, M.D., J.A. Tomlinson, Gerald G. Watkins *Designates Chief Executive Officer CITIZENS BANK OF JONESBORO Main at Washington P.O.Box 1090 Craighead County Zip Code: 72403 City: Jonesboro Population: 31,530 Charter Number: 488 Charter Date: July 25, 1919 Telephone: 932-6603 Branches: 6 Bank Holding Company Affiliate: Citizens Bancshares CHAIRMAN OF THE BOARD & CEO *HERBERT H. McADAMS, II H. HALL McADAMS, Ill VICE CHAIRMAN OF THE BOARD PRESIDENT WALTER A. DeROECK ROBERT C. CONNER VICE PRESIDENT BESSIE HODGES VICE PRESIDENT & SECRETARY TO THE BOARD Total Assets .......................................... 192,638 Preferred Stock ............................................. -0· Loans, Net.. ........................................... 118,562 Common Stock ......................................... 2, 170 Securities ................................................52,384 Surplus ......................................................2,330 Undivided Profits ....................................... 7 ,903 Interest Bearing Balances ............................. •O· Total Deposits ....................................... 168,072 Reserve for Loan Losses .......................... 2,685 Number Shares Authorized ..................217,000 Total Equity Capital. ................................ 12,403 Number Shares Outstanding ................ 217,000 Subordinated Debt .................................... 1,540 DIRECTORS: Herbert H. McAdams, II, Robert C.·Connor, John C. Deacon, Walter A. DeRoeck, Glenn Dickson, W.O. Doak, Charlotte Eddington, W.M. Freeze, Jr., James Gramling, Ray Hall, Al M. Heringer, Ill, Bill Hurt, Jr., H. Hall McAdams, Ill, Minor M. Markle, Oscar J. Melton, Oscar J. Melton, Jr., Carl R. Reng, W.D. Roberts, Jr., W.R. Roberts, Frank E. Walden, G.D. Wisdom *Designates Chief Executive Officer Seventy-Third Report 63 SIMMONS FIRST BANK OF JONESBORO 1720 S. Caraway Road Craighead County P.O.Box 1720 Zip Code: 72403 Population: 31,530 City: Jonesboro Charter Date: December 22, 1976 Charter Number: 734 Branches: 2 Telephone: 933-8000 Bank Holding Company Affiliate: Simmons First National Corporation CHAIRMAN PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT DONALD W. STONE *J. C. VAUGHN, JR. RONALD B. JACKSON JERRY D. BROADAWAY Preferred Stock ............................................. -0· Total Assets ............................................ 51,865 Common Stock ......................................... 1, 750 Loans, Net... ............................................ 35,584 Surplus ...................................................... 1, 750 Securities ................................................ 10,985 Undivided Profits .......................................... 730 Interest Bearing Balances ............................597 Reserve for Loan Losses ............................ .480 Total Deposits ........................................ .46,391 Total Equity Capital. ..................................4,230 Number Shares Authorized ..................500,000 Subordinated Debt... ................................... .400 Number Shares Outstanding ................ 175,000 DIRECTORS: Donald W. Stone, Gene Thomason, J.C. Vaughn, Jr., Franz Hayes, Sam Hummelstein, Frances Kemp, Charles B. Smith, Jr., Niel Crowson *Designates Chief Executive Officer MERCANTILE BANK 300 S. Church Craighead County P.O.Box 6018 Zip Code: 72403 Population: 31,530 City: Jonesboro Charter Date: January 7, 1932 Charter Number: 648 Branches: 8 Telephone: 935-5521 Bank Holding Company Affiliate: Mercantile Bancshares, Inc. CHAIRMAN & CEO *WALLACE FOWLER PRESIDENT GEORGE F. DELANEY, JR. SENIOR VICE PRESIDENT & CFO LLOYD McCRACKEN, JR. VICE PRESIDENT-MARKETING ED WAY EXECUTIVE VICE PRESIDENT ED CHERRY EXECUTIVE VICE PRESIDENT NORMAN LEONARD SENIOR VICE PRESIDENT EARL GAIRHAN SR. VICE PRESIDENT-TRUST DICK GRAV EXECUTIVE VICE PRESIDENT NAOMI CRAFT Preferred Stock ............................................. -0Total Assets .......................................... 187,906 Common Stock ......................................... 1,000 Loans, Net... .......................................... 118,469 Surplus ......................................................3,000 Securities ................................................ 51,506 Undivided Profits ....................................... 8,671 Interest Bearing Balances .........................3,488 Reserve for Loan Losses .......................... 3,077 Total Deposits ....................................... 169,509 Total Equity Capital ................................. 12,671 Number Shares Authorized .................. 100,000 Subordinated Debt ........................................ -0Number Shares Outstanding ................ 100,000 DIRECTORS: Wallace W. Fowler, Marystel Appleton, Wayne Baker, Roy Cooper, George F. Delaney, Jr., Lynn Greene, Raymond Heern, Ben Lamberth, Glenn Lane, H.T. Loberg, B.E. McKee, J.C. Mahon, M.G. Spurlock *Designates Chief Executive Officer 64 State of Arkansas: Bank Department FARMERS AND MERCHANTS BANK Jefferson & Van Buren P.O.Box 550 White County Zip Code: 72081 City: Judsonia Charter Number: 415 Telephone: 729-3148 E.O.YANCEY E.O.YANCEY *JIM EMFINGER REYNIE RUTLEDGE Population: 2,025 Charter Date: May 29, 1913 Branches: 0 Bank Holding Company Affiliate: None CHAIRMAN OF BOARD PRESIDENT EXECUTIVE VICE PRESIDENT SECRETARY-TREASURER Total Assets ..............................................8,484 Preferred Stock ............................................. -0Loans, Net.. ...............................................2,417 Common Stock .............................................. 70 Securities ................................................. .4,619 Surplus .........................................................280 Interest Bearing Balances ............................. -0Undivided Prolits ........................................ ..402 Total Deposits ...........................................7,489 Reserve for Loan Losses ...............................30 Number Shares Authorized ......................2,800 Total Equity Capital. ..................................... 752 Number Shares Outstanding ....................2,800 Subordinated Debt ........................................ -0DIRECTORS: E.O. Yancey, E.D. Yancey, Reynie Rutledge *Designates Chief Executive Officer UNION STATE BANK P.O.Box F Union County Zip Code: 71749 City: Junction City Charter Number: 415 Telephone: 924-4552 Population: 1,400 Charter Date: August 8, 1933 Branches: 0 Bank Holding Company Affiliate: Junction City Bancshares, Inc. 'JOHN F. MARSH BARBARA DANIELS JEROME VASCOCU MARY C. JONES SANDY BRANTLEY PRESIDENT VICE PRESIDENT, CASHIER VICE PRESIDENT ASSISTANT CASHIER ASSISTANT CASHIER Total Assets ........................................... 20,274 Loans, Net.. ............................................. 13,249 Securities ..................................................2,863 Interest Bearing Balances ......................... 2,488 Total Deposits ......................................... 18,329 Number Shares Authorized .................... 30,000 Number Shares Outstanding ..................30,000 Preferred Stock ............................................. -0Common Stock ............................................300 Surplus ........................................................ .400 Undivided Prolits ....................................... 1, 112 Reserve for Loan Losses ............................. 131 Total Equity Capital.. ................................. 1,812 Subordinated Debt ........................................ -0- DIRECTORS: F. Ben James, Jr., Jerome Vascocu, John Shealy, Virgil Orr, Randy Ewing, John Marsh, Alvin Green •Designates Chief Executive Officer 65 Seventy-Third Report BANK OF KENSETT White County P.O.Box 356 Zip Code: 72082 Population: 1,785 Charter Date: February 17, 1922 Branches: 0 City: Kensett Charter Number: 528 Telephone: 742-3211 Bank Holding Company Affiliate: None PRESIDENT JUNIOR VICE PRESIDENT CASHIER *ROGER MILLS JNO. H. JOHNSTON PATSY SCOTT Total Assets ..............................................5,611 Loans, Net.. .................................................. 190 Securities ..................................................2,761 Interest Bearing Balances ............................896 Total Deposits .......................................... .4,250 Number Shares Authorized ......................... 500 Number Shares Outstanding .......................500 Preferred Stock ............................................. -0Common Stock .............................................. 50 Surplus ...........................................................50 Undivided Profits ....................................... 1,222 Reserve for Loan Losses .............................. -0Total Equity Capital. .................................. 1,322 Subordinated Debt ........................................ -0- DIRECTORS: Jno. H. Johnston, Roger Mills, William P. Mills *Designates Chief Executive Officer PINE STATE BANK First Street Cleveland County P.O.Box 85 Zip Code: 71652 Population: 420 Charter Date: August 22, 1904 Branches: 1 City: Kingsland Charter Number: 165 Telephone: 348-5657 Bank Holding Company Affiliate: None *WILLIAM CAIN LYON PEGGY LYON DEBORAH GRICE Total Assets ..............................................4,046 Loans, Net. ................................................2,493 Securities .....................................................625 Interest Bearing Balances ............................ 294 Total Deposits ...........................................3,724 Number Shares Authorized ...................... 1,830 Number Shares Outstanding .................... 1,733 PRESIDENT SECRETARY VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ..............................................43 Surplus ......................................................... 120 Undivided Prolits .......................................... 134 Reserve for Loan Losses ...............................32 Total Equity Capital ...................................... 297 Subordinated Debt ........................................ -0- DIRECTORS: William Cain Lyon, Peggy Lyon, Gene Jines, Jimmy Clark *Designates Chiel Executive Officer 66 State of Arkansas: Bank Department MADISON BANK AND TRUST 101 Public Square P.O.Box 39 Madison County Zip Code: 72742 City: Kingston Charter Number: 338 Telephone: 665-2825 Population: 300 Charter Date: April 7, 1911 Branches: O Bank Holding Company Affiliate: Madison Corporation ROLAND WILLSHIRE *GARY W. BUNCH CARLA HATHORN BLENDA HOWARD CHAIRMAN PRESIDENT VICE PRESIDENT AND CASHIER VICE PRESIDENT Total Assets ..............................................6,596 Loans, Net. ................................................3,696 Securities .....................................................760 Interest Bearing Balances......................... 1,592 Total Deposits ...........................................6,003 Number Shares Authorized ......................... 800 Number Shares Outstanding ....................... 639 Preferred Stock ............................................. -0Common Stock ..............................................64 Surplus .........................................................242 Undivided Profits .......................................... 259 Reserve for Loan Losses ...............................87 Total Equity Capital. .....................................565 Subordinated Debt ........................................ -0- DIRECTORS: Roland Willshire, Gary W. Bunch, Dana Samples, Joe Shrum, Howard Cain, Jr., Gary Easterling, Sumner Brashears *Designates Chief Executive Officer BANK OF LAKE VILLAGE 101 Main Street P.O. Box 727 Chicot County Zip Code: 71653 City: Lake Village Population: 3,088 Charter Number: 675 Charter Date: October 14, 1937 Telephone: 265-2241 Branches: 1 Bank Holding Company Affiliate: Southeast Arkansas Bank Corporation DOUGLAS C. WYNN 'HERMON CARLTON TERENCE J. ALPE JOYCE BELL DESSIE LEE GIBBS CHAIRMAN OF THE BOARD PRESIDENT AND CEO EXECUTIVE VICE PRESIDENT VICE PRESIDENT AND AUDITOR VICE PRESIDENT Total Assets ............................................34,292 Preferred Stock ............................................. -0Loans, Net... ............................................ 17,395 Common Stock ............................................ 600 Securities ................................................ 12,609 Surplus ......................................................2,500 Interest Bearing Balances.........................2,038 Undivided Proflts .......................................1,395 Total Deposits ......................................... 29,340 Reserve for Loan Losses............................. 163 Number Shares Authorized ....................60,000 Total Equity Capital. .................................. 4,495 Number Shares Outstanding ..................60,000 Subordinated Debt.. ...................................... -0DIRECTORS: Douglas C. Wynn, Ned Mazzanti, Hermon Carlton, Terence J. Alpe, Sam E. Angel, William W. Bunker, Dr. J. P. Burge, David F. Gillison, Sr., David F. Gillison, Jr., Dr. Marvin D. Loyd, Joe Pieroni, Charles H. Weissinger, Jr. *Designates Chtef Executive Officer Seventy-Third Report 67 SIMMONS FIRST BANK OF LAKE VILLAGE 333 Main Street Chicot County P.O. Drawer 271 Zip Code: 71653 Population: 3,088 City: Lake Village Charter Date: June 12, 1962 Charter Number: 716 Branches: o Telephone: 265-5366 Bank Holding Company Affiliate: Simmons First National Corporation CHAIRMAN FRED MICHAEL PRESIDENT & CEO *BEN V. FLORIAN! EXECUTIVE VICE PRESIDENT FREDDIE BLACK VICE PRESIDENT & CASHIER MIKE CASHION ASSISTANT VICE PRESIDENT LINDA S. PEARSON ASSISTANT CASHIER BECKY BROGDON Preferred Stock ............................................. -0Total Assets ............................................ 24,549 Common Stock ............................................ 250 Loans, Net............................................... 13,255 Surplus .........................................................250 Securities ..................................................9,214 Undivided Profits ....................................... 1,387 Interest Bearing Balances ............................. -0Reserve for Loan Losses ............................. 184 Total Deposits ......................................... 21,423 Total Equity Capital. .................................. 1,887 Number Shares Authorized .................... 12,500 Subordinated Debt ........................................ -0Number Shares Outstanding .................. 12,500 DIRECTORS: Sam E. Adkisson, W. E. Ayres, Herman Berkemeyer, Freddie Black, James R. Burchfield, Ohmer C. Burnside, Mike S. Cashion, William H. Drew, Ben V. Floriani, Craig Hunt, Cullen Livingston, Doyne W. Loyd, Geno Mazzanti, Fred P. Michael, Carl 0. Powell, Richard L. Pratt, Ted Thornton, Joe Dan Yee *Designates Chief Executive Officer CITIZENS BANK OF LAVACA Main Street Sebastian County P.O. Box 110 Zip Code: 72941 City: Lavaca Charter Number: 308 Telephone: 674-5631 Population: 1,096 Charter Date: May 1, 1914 Branches: 2 Bank Holding Company Affiliate: None *JAMES N. PATTERSON LARRY D. HURST GARY W. CARMACK PAULETTE CHRONISTER LARRY DALE OWEN SANDRA K. HANEY PRESIDENT SENIOR VICE PRESIDENT & CASHIER VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT ASSISTANT VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............................................261 Surplus ......................................................2,000 Undivided Profits ....................................... 1, 161 Reserve for Loan Losses .............................322 Total Equity Capital ...................................3,422 Subordinated Debt ........................................ -0- Total Assets ............................................32,281 Loans, Net. ..............................................21,044 Securities ..................................................7,435 Interest Bearing Balances ............................. -0Total Deposits ......................................... 25,731 Number Shares Authorized ....................22,680 Number Shares Outstanding .................. 20,849 DIRECTORS: Ronald Udouj, James Patterson, Gene Bruick, Rayburn L. Green, Larry D. Hurst, Jewel Morris *Designates Chief Executive Officer 68 State of Arkansas: Bank Department LEACHVILLE STATE BANK 110 North Main P.O. Box 140 Mississippi County Zip Code: 72438 City: Leachville Charter Number: 703 Telephone: 539-6354 Population: 1 ,BOO Charter Date: January 23, 1951 Branches: o Bank Holding Company Affiliate: Leachville State Bancshares, Inc. LARRY E. GRISHAM *NELSON P. HENRY EDNA L. KENNETT LYNN BEARDEN CHAIRMAN OF THE BOARD PRESIDENT EXECUTIVE VICE PRESIDENT CASHIER Total Assets ............................................ 12,142 Loans, Net. ................................................2,659 Securities ..................................................5,445 Interest Bearing Balances ............................700 Total Deposits ......................................... 10,489 Number Shares Authorized .................... 10,000 Number Shares Outstanding .................. 10,000 Preferred Stock ............................................ -0Common Stock ............................................ 100 Surplus ...................................................... 1, 150 Undivided Profits ..........................................311 Reserve for Loan Losses ............................... 51 Total Equity Capital. .................................. 1,561 Subordinated Debt ........................................ -0- DIRECTORS: Larry E. Grisham, Nelson Henry, J. L. Swihart *Designates Chief Executive Officer LITTLE RIVER BANK 202 Greenwood P.O. Box 340 Poinsett County Zip Code: 72354 City: Lepanto Charter Number: 498 Telephone: 475-2306 Population: 1,964 Charter Date: November 21, 1919 Branches: 0 Bank Holding Company Affiliate: None D. F. PORTIS 'GRADY WATKINS, JR. T. G. THOMPSON, JR. J, C. PORTIS BLANCHE NASH CHAIRMAN OF BOARD PRESIDENT VICE PRESIDENT VICE PRESIDENT CASHIER Total Assets ............................................22,422 Loans, Net. ................................................4,986 Securities ................................................ 12,671 Interest Bearing Balances ............................200 Total Deposits ......................................... 18,134 Number Shares Authorized ..................... .4,000 Number Shares Outst:3-nding ................... .4,000 Preferred Stock ............................................. -0Common Stock ........................................... .400 Surplus ...................................................... 1, 100 Undivided Profits .......................................2,632 Reserve for Loan Losses ...............................94 Total Equity Capital ................................. ..4, 132 Subordinated Debt ........................................ -0- DIRECTORS: D. F. Portis, Grady Watkins, Jr., T. G. Thompson, Jr., J. C. Portis, W. H. Cross Sr., Ernest Portis, Danette Watkins, Julanne Ingram, Junaway Payne, H. G. Watkins, 111 "Designates Chief Executive Officer 69 Seventy-Third Report PEOPLES BANK AND LOAN COMPANY 305 Spruce P.O. Box 280 Lafayette County Zip Code: 71845 City: Lewisville Charter Number: 347 Telephone.: 921-4244 Population: 1,450 Charter Date: August 25, 1911 Branches: O Bank Holding Company Affiliate: None W. H. TRIPLETT, JR. •CHARLES H. MOORE WILMA WILLBANKS PAUL MAHAR CHAIRMAN OF THE BOARD PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT Total Assets ............................................25, 175 Loans, Net... ............................................ 11 ,473 Securities ..................................................9,618 Interest Bearing Balances ......................... 1,692 Total Deposits .........................................22,316 Number Shares Authorized ......................4,000 Number Shares Outstanding ....................4,000 Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus .........................................................750 Undivided Profits ....................................... 1,801 Reserve for Loan Losses ............................. 169 Total Equity Capital. ..................................2,651 Subordinated Debt ........................................ -0- DIRECTORS: W. H. Triplett, Jr., Charles H. Moore, Wilma Willbanks, Paul Mahar, Phil Alford, Jr., P. D. Burton, Jr., Paul J. English, Elmer Harris, 0. M. Covington •Designates Chief Executive Officer BANK OF LINCOLN West Side Square P.O. Box 98 Washington County Zip Code: 72744 City: Lincoln Charter Number: 119 Telephone: 824-3232 Population: 1,494 Charter Date: March 17, 1903 Branches: O Bank Holding Company Affiliate: Lincoln Bankshares, Inc. *LOYD R. SWOPE KENNETH D. COX LARRY KARNES PAT DAVENPORT DARLENE CHEATHAM RONNIE RINEHART PRESIDENT EXECUTIVE VICE PRESIDENT & SECRETARY TO BOARD VICE PRESIDENT VICE PRESIDENT ASSISTANT VICE PRESIDENT CASHIER Total Assets ............................................36, 167 Loans, Net. .............................................. 18,516 Securities ................................................ 11 ,776 Interest Bearing Balances ......................... 1,600 Total Deposits .........................................32,392 Number Shares Authorized ...................... 8,000 Number Shares Outstanding ....................8,000 Preferred Stock ............................................. -0Common Stock ............................................200 Surplus .........................................................200 Undivided Profits .......................................2,600 Reserve for Loan Losses ............................. 275 Total Equity Capital ...................................3, 000 Subordinated Debt ....................................... 300 DIRECTORS: Loyd R. Swope, Kenneth D. Cox, Clark McClinton, John C. Everett, Wanda K. Irwin *Designates Chief Executive Officer 70 State of Arkansas: Bank Department PULASKI BANK AND TRUST COMPANY 5800 "R" Street P.O. Box 7299 Pulaski County Zip Code: 72207 City: Little Rock Charter Number: 71 O Telephone: 661-7700 Population 175,000 Charter Date: August 29, 1955 Branches: 2 Bank Holding Company Affiliate: Pulaski Investment Corporation JAMES C. EAST PETE MARIS BOB MAGEE WAYNE HARNESS STAN CLARK PAT EDWARDS CHAIRMAN OF THE BOARD & CEO PRESIDENT EXECUTIVE VICE PRESIDENT EXECUTIVE VICE PRESIDENT EXECUTIVE VICE PRESIDENT EXECUTIVE VICE PRESIDENT Total Assets .......................................... 132,490 Loans, Net. .............................................. 94,636 Securities ................................................23,228 Interest Bearing Balances ............................ 168 Total Deposits ....................................... 113, 748 'lumber Shares Authorized ..................226,000 \lumber Shares Outstanding ................212,230 Preferred Stock ............................................. -0· Common Stock .........................................2, 122 Surplus ......................................................2,526 Undivided Prolits .......................................2,759 Reserve for Loan Losses .............................835 Total Equity Capital.. ................................. 7,407 Subordinated Debt ....................................1,800 DIRECTORS: James C. East, Pete Maris, Bob Magee, Mark Williamson, Tom Hodges 'Designates Chief Executive Officer BANK OF LOCKESBURG Highway 24, Redbud P.O. Box 118 Sevier County Zip Code: 71846 ::ity: Lockesburg ::harter Number: 746 relephone: 289-4071 Population: 616 Charter Date: May 31, 1985 Branches: O Bank Holding Company Affiliate: DeWitt First Bankshares Corp. IOE C. ROBERTS 'IAY HAMBRICK >HYLISS BETTELL JOBBIE J. SIMMONS PRESIDENT & CEO EXECUTIVE VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT & CASHIER ·otal Assets ............................................ 18,929 .oans, Net... ..............................................6, 157 iecurities ..................................................5,131 ,terest Bearing Balances .........................6,468 ·otal Deposits ......................................... 16,881 lumber Shares Authorized ......................2,500 lumber Shares Outstanding ....................2,500 Preferred Stock ............................................. -0Common Stock .............................................. 62 Surplus .........•.............•.................................938 Undivided Profits ..........................................729 Reserve for Loan Losses ............................. 141 Total Equity Capital.. .................................1,729 Subordinated Debt ........................................ -0- IIRECTORS: Ray Hambrick, Georgea McKinley, Warren A. Jennings, Lester A. McKinley )esignates Chief Executive Officer 71 Seventy-Third Report FIRST STATE BANK 101 E. Front Street Lonoke County P.O. Box 320 Zip Code: 72086 Population: 4,128 Charter Date: March 9, 1935 Branches: O City: Lonoke Charter Number: 670 Telephone: 676-3106 Bank Holding Company Affiliate: None CHAIRMAN OF THE BOARD, PRESIDENT *J. 0. BENNETT CHARLES E. FORD NEIL BENNETT, SR. JOHN R_ OWEN EXECUTIVE VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT Total Assets ............................................ 57,284 Loans, Net. .............................................. 22,599 Securities ................................................ 13,982 Interest Bearing Balances ......................... 5,645 Total Deposits ......................................... 51,511 Number Shares Authorized .................... 16,000 Number Shares Outstanding .................. 16,000 Preferred Stock ............................................. -0Common Stock ............................................400 Surplus ...................................................... 1,600 Undivided Profits .......................................3, 564 Reserve tor Loan Losses............................. 222 Total Equity Capital. ..................................5,564 Subordinated Debt ........................................ -0- DIRECTORS: J. 0. Bennett, Wayne Bennett, Sr., Neil Bennett, Sr., Wayne Bennett, Jr., Neil Bennett, Jr., H. Austin Grimes, M.D. "'Designates Chief Executive Officer FARMERS BANK & TRUST COMPANY Columbia County P.O. Box 250 Zip Code: 71753 City: Magnolia Charter Number: 217 Telephone: 234-2211 Population: 11,909 Charter Date: September 26, 1906 Branches: 3 Bank Holding Company Affiliate: Magnolia Banking Corporation *BOB L. BURNS MACK L. TAYLOR DEAN REAGAN M, E. RTZPATRICK EARL BOOTH STEVE KEITH BRUCE D. MALOCH Total Assets .......................................... 104,728 Loans, Net.. ............................................ .43,247 Securities ................................................ 50,419 Interest Bearing Balances ............................702 Total Deposits .........................................94,524 Number Shares Authorized .................. 100,000 Number Shares Outstanding ................ 100,000 PRESIDENT & CEO EXECUTIVE VICE PRESIDENT SENIOR ADVISOR VICE PRESIDENT VICE PRESIDENT & CASHIER VICE PRESIDENT VICE PRESIDENT & TRUST OFFICER Preferred Stock ............................................. -0Common Stock .........................................2,500 Surplus ...................................................... 1,250 Undivided Profits ....................................... 5,430 Reserve for Loan Losses ............................. 599 Total Equity Capital ...................................9,779 Subordinated Debt ........................................ -0- DIRECTORS: T. H. Bradley, Jr., Bob L. Bums, Paul Crumpler, W. E. Fullenwider, John W. Harsh, C. S. Kincaid Ill, Bob Neill, Dean Reagan, Mack L. Taylor •Designates Chief Executive Officer 72 State of Arkansas: Bank Department BANK OF MALVERN 327 Ash Street P.O. Box 897 Hot Spring County Zip Code: 72104 ::::ity: Malvern ::::harter Number: 1O relephone: 332-6966 Population: 10, 163 Charter Date: June 24, 1889 Branches: 1 Bank Holding Company Affiliate: Central Arkansas Bancshares, Inc. !>AUL L. OFFUTT DONALD J. TACKETT l.tARSHA B. TANNER JAMES D. FERGUSON PRESIDENT & CHAIRMAN SENIOR VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT rotal Assets ............................................63,897 .oans, Net. ..............................................36,694 ,ecurrties ................................................22,258 nterest Bearing Balances ............................500 rotal Deposits ......................................... 56, 175 ~umber Shares Authorized .................... 12,000 ~umber Shares Outstanding .................. 12,000 Preferred Stock ............................................. -0Common Stock ............................................ 300 Surplus ......................................................2,200 Undivided Profits .......................................4,521 Reserve for Loan Losses ............................. 752 Total Equity Capital. ..................................7,021 Subordinated Debt ........................................ -0- >!RECTORS: Paul L. Offutt, Sam Clark, Dorsey D. Glover, W. H. Glover, Joe C. Keith, Ross M. 'I/hippie, Carrington E. Young, Tom Ross Young, Jr. Designates Chief Executive Officer PEOPLES BANK 250 Main Street P.O. Box 310 Fulton County Zip Code: 72554 ;ity: Mammoth Spring :harter Number: 519 ·elephone: 625-3235 Population: 1,195 Charter Date: February 21, 1921 Branches: 0 Bank Holding Company Affiliate: Mammoth Investment·& Credit Corp., Inc. :HARLES MASNER VILLIAM 0. PACE OYCE GRIFFIN IORMA G. PACE PRESIDENT EXECUTIVE VICE PRESIDENT ASSISTANT VICE PRESIDENT CASHIER otal Assets ............................................ 21,722 oans, Net. ................................................6,307 ecurities ..................................................6,085 1terest Bearing Balances .........................6,638 otal Deposits ......................................... 20,047 'umber Shares Authorized ..................... .4,000 umber Shares Outstanding ....................4,000 Preferred Stock ............................................. -0Common Stock ............................................ 1 00 Surplus .........................................................900 Undivided Profits ......................................... .472 Reserve for Loan Losses ............................... 66 Total Equity Capital... ................................ 1,472 Subordinated Debt ........................................ -0- •!RECTORS: Charles Masner, Clotene Masner, William 0. Pace, Wendell Ragsdale, Lorene Pickens )esignates Chief Executive Officer Seventy-Third Report 73 MERCHANTS & PLANTERS BANK 319 N. Baltimore Mississippi County Box 1440 Zip Code: 72442 City: Manila Charter Number: 698 Telephone: 561-4427 Population: 2,500 Charter Date: March 16, 1948 Branches: 0 Bank Holding Company Affiliate: None PEGGY F. CHEADLE BETTY F. SCHRADER *MAX H. SCHRADER DANNY ROBBINS NORMA JACKSON CHAIRMAN PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT CASHIER Total Assets .............................................. 9,050 Loans, Net... .............................................. 3,893 Securities ..................................................2, 173 Interest Bearing Balances ............................200 Total Deposits ...........................................7,956 Number Shares Authorized .................... 10,000 Number Shares Outstanding .................. 10,000 Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus ........................................................ .400 Undivided Profits ..........................................521 Reserve for Loan Losses .............................224 Total Equity Capital.. ................................. 1,021 Subordinated Debi ........................................ -0- DIRECTORS: Peggy F. Cheadle, Hulen Faulkner, Danny Robbins, James B. Cheadle, Paul W. Fleeman, Max H. Schrader, Betty F. Schrader, L. E. Townsend *Designates Chief Executive Officer BANK OF MANSFIELD Howard & Sebascott Sebastian County P.O. Box 387 Zip Code: 72944 Population: 1,000 City: Mansfield Charter Date: February 16, 1939 Charter Number: 678 Branches: O Telephone: 928-4418 Bank Holding Company Affiliate: Mansfield Bankstock, Inc. BRUCE H. SHAW *RICHARD D. FOSTER DANNYE. FITZPATRICK RICHARD B. SHAW GILMER K. DIXON MELBA CONAWAY PAULA COWARD ELIZABETH HOOPENGARNER Total Assets ............................................20,453 Loans, Net... ............................................ 12, 102 Securities ..................................................2,31 B Interest Bearing Balances ........................ .4,489 Total Deposits ......................................... 18,454 Number Shares Authorized ......................9,600 Number Shares Outstanding ....................9,600 CHAIRMAN OF BOARD PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT & CASHIER ASSISTANT VICE PRESIDENT ASSISTANT VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............................................240 Surplus .........................................................260 Undivided Profits ....................................... 1, 126 Reserve for Loan Losses ............................. 168 Total Equity Capital. .................................. 1,626 Subordinated Debt ........................................ -0- DIRECTORS: Bruce H. Shaw, Richard D. Foster, Richard B. Shaw, Gilmer K. Dixon, Joe McCain, Danny Fitzpatrick, S. D. Barnes, S. M. Taylor, Melba Conaway *Designates Chief Executive Officer 74 State of Arkansas: Bank Department FARMERS AND MERCHANTS BANK 48 South Poplar Street Lee County P.O. Box 479 Zip Code: 72360 City: Marianna Charter Number: 682 Telephone: 295-2535 Population: 6,220 Charter Date: January 9, 1942 Branches: O Bank Holding Company Affiliate: M & M Holding Company, Inc. JOHN F. MILLER *WILLIAM J. McCLAIN LETHA SMITH PEGGY FISHER CHAIRMAN OF BOARD PRESIDENT VICE PRESIDENT VICE PRESIDENT & CASHIER Total Assets ............................................ 13,704 Preferred Stock ............................................. -0Loans, Net... .............................................. 1,496 Common Stock .............................................. 75 Securities ..................................................9,053 Surplus .........................................................925 Interest Bearing Balances ............................. -0Undivided Profits ..........................................965 Total Deposits ......................................... 11,607 Reserve for Loan Losses ............................... 69 Number Shares Authorized ......................3,000 Total Equity Capital ................................... 1,965 Number Shares Outstanding ....................3,000 Subordinated Debt.. ...................................... -0DIRECTORS: Dan H. Felton, Ill, Jack R. Gentry, Thomas H. Gist, Jr., John F. Miller, William J. McClain, J. B. Smith, D. E. Webb, Jr. *Designates Chief Executive Officer CITIZENS BANK 115 Block Street P.O. Box 300 Crittenden County Zip Code: 72364 City: Marion Charter Number: 677 Telephone: 739-4421 Population: 3,000 Charter Date: March 15, 1938 Branches: 1 Bank Holding Company Affiliate: First Citizens Bancshares FORREST N. JENKINS *JOE TAYLOR 111 CHARLES HORTON JOAN BASS L. SCOTT BOND LUCILLE BRACKIN GLORIA SPENCER Total Assets ............................................24,214 Loans, Net. ................. ,............................ 12,847 Securities ..................................................8,538 Interest Bearing Balances............................. -0Total Deposits .........................................20,805 Number Shares Authorized ...................... 1,500 Number Shares Outstanding ........................ -0- CHAIRMAN OF BOARD PRESIDENT ASSISTANT VICE PRESIDENT CASHIER LOAN OFFICER ASSISTANT CASHIER ASSISTANT CASHIER Preferred Stock ............................................. -0Common Stock ............................................ 150 Surplus ......................................................1,200 Undivided Profils ....................................... 1,447 Reserve for Loan Losses ............................. 111 Total Equity Capital.. ................................. 2,797 Subordinated Debt ........................................ -0- DIRECTORS: C. H. Bond, Jr., Sanders Carter, Frank G. Fogleman, Julian Hardin, Forrest N. Jenkins, J. F. Rieves, Jr., James R. Stockley, Joe Taylor Ill, William Bart Turner, Richard WiMord "Designates Chief Executive Officer Seventy-Third Report 75 MARKED TREE BANK 210 Frisco Poinsett County P.O. Box 160 Zip Code: 72365 Population: 3,200 Charter Date: March 3, 1932 Branches: 0 City: Marked Tree Charter Number: 651 Telephone: 358-2600 Bank Holding Company Affiliate: Marked Tree Bancshares, Inc. PRESIDENT CHAIRMAN CASHIER *JOHN A. BRUNNER, JR. GLORIA EDDINGTON J. P. HUTCHINS Total Assets ............................................22,314 Loans, Net. ................................................3,517 Securities ................................................ 15,335 Interest Bearing Balances ............................ 690 Total Deposits ......................................... 18, 784 Number Shares Authorized ......................2,500 Number Shares Outstanding ....................2,500 Preferred Stock ............................................. -0Common Stock ............................................250 Surplus .........................................................300 Undivided Profits ....................................... 1,747 Reserve for Loan Losses ...............................60 Total Equity Capital.. .................................2,297 Subordinated Debt ........................................ -0- DIRECTORS: John A. Brunner, Jr., Gloria Eddington, J. Robert Brunner, Frank Brunner, Jr., Mary Ann Arnold, Ritter Arnold, Louis Goad, Dan Hatzenbuehler "Designates Chief Executive Officer SEARCY COUNTY BANK Searcy County P.O. Box 250 Zip Code: 72650 City: Marshall Charter Number: 679 Telephone: 448-3341 Population: 1,500 Charter Date: February 26, 1940 Branches: 1 Bank Holding Company Affiliate: North Arkansas Bancshares, Inc. *WALLACE FOWLER NEIL A. WILKINS DANNY G. HORTON BRENDA HARNESS MARV J. HORTON Total Assets ............................................31, 116 Loans, Net. .............................................. 16,921 Securities ..................................................7,295 Interest Bearing Balances ......................... 3,794 Total Deposits .........................................28,447 Number Shares Authorized ......................4,000 Number Shares Outstanding ....................4,000 CHAIRMAN & CEO PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT & CASHIER VICE PRESIDENT & BRANCH MGR. Preferred Stock ............................................. -0Common Stock ............................................400 Surplus ...................................................... 1,355 Undivided Profits .......................................... 631 Reserve for Loan Losses ............................. 304 Total Equity Capital ...................................2,386 Subordinated Debt ........................................ -0- DIRECTORS: J. Virgil Blair, George E. Daniel, Bob Derickson, Jama Fowler, Wallace Fowler, Phil Jones, Ancil Mays, Lloyd McCracken, Jr.• Neil A. Wilkins "Designates Chief Executive Officer 76 State of Arkansas: Bank Department BANK OF MARVELL Highway 49 West P.O. Box 67 Phillips County Zip Code: 72366 City: Marvell Population: 1,724 Charter Number: 109 Charter Date: January 8, 1903 Telephone: 829-2596 Branches: o Bank Holding Company Affiliate: Marvell Implement Company *GIBSON TURLEY TOMMIE E. SHACKELFORD, JR. BEN B. DAVISON GIBSON TURLEY, JR. PATTY SUE RUSSELL BOBBIE CHISNALL TREDA FURR CHAIRMAN AND PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT CASHIER ASSISTANT CASHIER ASSISTANT CASHIER Total Assets ............................................ 18,230 Preferred Stock ............................................. -0Loans, Net... .............................................. 1,521 Common Stock ............................................ 150 Securities ................................................ 15,537 Surplus ......................................................... 500 Interest Bearing Balances............................. -0Undivided Profits & Capftal Reserves ...... 1,905 Total Deposits .........................................15,566 Reserve for Loan Losses ...............................31 Number Shares Authorized ......................6,000 Total Equity Capital. .................................. 2,555 Number Shares Outstanding ....................6,000 Subordinated Debt ........................................ -0DIRECTORS: Gibson Turley, J.A. Hill, James H. Hill, Tommie E. Shackelford, Jr., Virginia Turley, Gibson Turley, Jr. ..Designates Chief Executive Officer BANK OF MCCRORY 124 N. Edmonds Avenue P.O. Box 367 Woodruff County Zip Code: 72101 City: McCrory Charter Number: 128 Telephone: 731-2521 Bank Holding Company IAN ARNOF 'HULON CAIN JOHN G. THOMPSON H. RIPLEY THOMPSON JOHN D. ELDRIDGE MARGARET COLLIER JAMES TAYLOR BOBBY TROTTER Population: 2,000 Charter Date: June 18, 1903 Branches: O CHAIRMAN OF BOARD PRESIDENT SENIOR VICE PRESIDENT SENIOR VICE PRESIDENT SENIOR VICE PRESIDENT VICE PRESIDENT CASHIER ASSISTANT VICE PRESIDENT Total Assets ............................................50,930 Preferred Stock ............................................. -0Loans, Net. ..............................................24, 134 Common Stock ............................................500 Securities ................................................ 23,514 Surplus ......................................................2,000 Interest Bearing Balances ............................. -0Undivided Profits .......................................3,458 Total Deposits ......................................... 44,359 Reserve for Loan Losses .............................200 Number Shares Authorized .................... 20,000 Total Equity Capital ...................................5,958 Number Shares Outstanding .................. 20,000 Subordinated Debt.. ...................................... -0DIRECTORS: John G. Thompson, H. Ripley Thompson, Ian Arnof, John D. Eldridge, John D. Eldridge, Ill, Edwin B. Conner, Jr., G. L. Morris, Jr., Hulon Cain, Donald Cain, Fletcher C. Lewis *Designates Chief Executive Officer Seventy-Third Report 77 MCGEHEE BANK 301 North Second P.O. Box 787 Desha County Zip Code: 71654 City: McGehee Population: 5,612 Charter Date: December 6, 1933 Charter Number: 661 Telephone: 222-3151 Branches: 4 Bank Holding Company Affiliate: Southeast Financial Bankstock Corporation SAM BOWMAN CHAIRMAN OF BOARD JOHN POTTER VICE CHAIRMAN OF BOARD *BILL BOWMAN PRESIDENT RICHARD GILLIAM EXECUTIVE VICE PRESIDENT VICE PRESIDENT-AGRICULTURE TOMMY ROBERTSON JAMES M. SMITH VICE PRESIDENT-TRUST OFFICER Total Assets ............................................69,281 Preferred Stock ............................................. -0Loans, Net. ..............................................26,336 Common Stock ......................................... 1,000 Securities ............................... ................. 25,892 Surplus ...................................................... 1,700 Interest Bearing Balances.........................8,099 Undivided Profits ....................................... 4,312 Total Deposits ......................................... 61,349 Reserve for loan Losses .............................712 Number Shares Authorized .................... 80,000 Total Equity Capttal... ................................7,012 Number Shares Outstanding .................. 80,000 Subordinated Debt.. ...................................... -0DIRECTORS: Sam Bowman, William Bowman, Jimmy Buford, Bill Elliott, John Maier, Jr., John Potter, Jr., David leech, Mark Sherland, Jr., James Smith, Cecil Simpson *Designates Chief Executive Officer THE BANK OF NORTH ARKANSAS Main and Spring Streets P.O. Box C Izard County Zip Code: 72556 City: Melbourne Population: 1,680 Charter Date: July 29, 1896 Charter Number: 42 Telephone: 368-4205 Branches: 3 Bank Holding Company Affiliate: lnvestArk Bankshares, Inc. *LLOYD T. JONES PRESIDENT & CEO ERNESTINE MARLIN CASHIER MARY F. TATE VICE PRESIDENT-OPERATIONS VICE PRESIDENT-LOANS CANDACE LOGGAINS JUDY SANDERS ASSISTANT VICE PRESIDENT MIKE CONE ASSISTANT VICE PRESIDENT ETHEL JONES OPERATIONS OFFICER - DP MADALYN GOODWIN BRANCH OFFICER BILLY R. RICHARDSON LOAN OFFICER Total Assets ............................................35, 123 Preferred Stock ............................................. -0loans, Net... ............................................ 15,523 Common Stock .........................................2,000 Securities ................................................ 12,718 Surplus .........................................................425 Interest Bearing Balances.........................3,389 Undivided Profits ....................................... (213) Total Deposits .........................................31,975 Reserve for Loan Losses.............................265 Number Shares Authorized ....................80,000 Total Equity Capital ................................... 2,212 Number Shares Outstanding .................. 80,000 Subordinated Debi.. ...................................... -0DIRECTORS: W. Neil Maynard, Cole Martin, Harry Erwin, Tommy Hillman, Vernon Giss, Harlin Hames, James E. Miller *Designates Chief Executive Officer 78 State of Arkansas: Bank Department THE UNION BANK OF MENA 515 Janssen Ave. P.O. Box 898 Polk County Zip Code: 71953 City: Mena Charter Number: 667 Telephone: 394-2211 Population: 5,200 Charter Date: July 25, 1934 Branches: 3 Bank Holding Company Affiliate: Union Bankshares, Inc. C.S. "SHORTY" WILLIAMS CHAIRMAN OF THE BOARD PRESIDENT & CEO 'BILL L. WOOD GARY NEWCOMB EXECUTIVE VICE PRESIDENT RUBY LUNSFORD CASHIER Total Assets ............................................61, 161 Preferred Stock ............................................. -0Loans, Net. ..............................................36,918 Common Stock ............................ : ............ 1,200 Securities ................................................ 16,474 Surplus ...................................................... 1,800 Interest Bearing Balances .........................2,488 Undivided Profits ....................................... 5,420 Total Deposits .........................................52,443 Reserve for Loan Losses .............................477 Number Shares Authorized .................... 12,000 Total Equity Capital.. .................................8,420 Number Shares Outstanding .................. 12,000 Subordinated Debt ........................................ -0DIRECTORS: R.A. Craver, John A. Crawford, R.L. Hamilton, David Maddox, Pauline Morrow, Gary Newcomb, Edward Stevenson, C.S. Williams, Bill L. Wood "Designates Chief Executive Officer MONETTE STATE BANK P.O. Box P Craighead County Zip Code: 72447 City: Monette Charter Number: 673 Telephone: 486-5493 Population: 1,165 Charter Date: December 19, 1936 Branches: 1 Bank Holding Company Affiliate: None ·REVIS G. STEWART PRESIDENT SHIRLEY BRONAUGH SENIOR VICE PRESIDENT VERLENE FULLEN VICE PRESIDENT & CASHIER BILL CLARK VICE PRESIDENT JAMES R. THOMPSON ASSISTANT VICE PRESIDENT TERRY FRIERSON ASSISTANT VICE PRESIDENT Total Assets ............................................26,895 Preferred Stock ............................................. -0Common Stock ............................................ 200 Loans, Net............................................... 13,057 Securities ..................................................9,850 Surplus ...................................................... 1, 150 Interest Bearing Balances ......................... 1,695 Undivided Profits ..........................................430 Total Deposits .........................................24,927 Reserve for Loan Losses ............................. 219 Number Shares Authorized ......................4,800 Total Equity Capltal. .................................. 1,780 Number Shares Outstanding ....................4,000 Subordinated Debt ........................................ -0DIRECTORS: Carolyn Frierson, Revis G. Stewart, J. E. Story, B. R. Harper, Ruth P. Latta, Shirley Bronaugh, Verlene Fullen •oesignates Chief Executive Officer Seventy-Third Report 79 COMMERCIAL BANK & TRUST COMPANY 212 W. Gaines Street P.O. Box 150 Drew County Zip Code: 71655 City: Monticello Charter Number: 391 Telephone: 367-6221 Population: 8,998 Charter Date: November 29, 1912 Branches: 2 Bank Holding Company Affiliate: Drew Bancshares, Inc. BENNIE RYBURN •REGINALD GLOVER GEORGE T. HARRIS RUSTY SMITH JOEY RYBURN GENE GATES STEVE SAVAGE SENIOR CHAIRMAN PRESIDENT & CEO EXECUTIVE VICE PRESIDENT & TRUST OFFICER SENIOR LOAN VICE PRESIDENT ASSISTANT VICE PRESIDENT MTG. LOAN OFFICER ASSISTANT TRUST OFFICER Total Assets ............................................51, 799 Preferred Stock ............................................. -0Loans, Net. ..............................................24,254 Common Stock ............................................200 Securities ................................................ 15, 132 Surplus ......................................................2,300 Interest Bearing Balances .........................9,295 Undivided Profits .......................................2,296 Reserve for Loan Losses ............................. 508 Total Deposits ......................................... 46,278 Number Shares Authorized ...................... 8,000 Total Equity Capital. ..................................4,796 Number Shares Outstanding .................... 8,000 Subordinated Debt ........................................ -0DIRECTORS: Bennie Ryburn, Sr., Joe Brannen, James H. Burks, Reginald Glover, R. D. Jones, Jr., L. D. Long, Bennie Ryburn, Jr., Kim Ward, Frank Wolfe "Designates Chief Executive Officer UNION BANK & TRUST COMPANY 102 West McCloy P.O. Box 270 Drew County Zip Code: 71655 City: Monticello Charter Number: 448 Telephone: 367-3453 Population: 8,998 Charter Date: September 15, 1915 Branches: 2 Bank Holding Company Affiliate: First Union Financial Corporation ZACH MCCLENDON, JR. CHAIRMAN •JAMES P. JETT PRESIDENT BEYERLY HUDSON VICE PRESIDENT SENIOR VICE PRESIDENT JAMES THOMAS KEN WISCAVER VICE PRESIDENT VICE PRESIDENT JOE FAKOURI Total Assets ............................................65,669 Preferred Stock ............................................. -0Loan, Net ................................................24,360 Common Stock ......................................... 1,000 Surplus ......................................................2,000 Securities ................................................30, 136 Interest Bearing Balances......................... 1,296 Undivided Profits ....................................... 1,588 Reserve for Loan Losses .............................865 Total Deposits .........................................60,535 Number Shares Authorized .................... 80,000 Total Equity Capital. ................................. .4,588 Number Shares Outstanding .................. 80,000 Subordinated Debt... ..................................... -0DIRECTORS: Zach McClendon, Jr., William K. Ball, Brown Calhoun, Frank Carson, Jr., Charles E. Jackson, Wells Moffatt, Dr. J.P. Price, John Porter Price, Richard Reinhart, A.C. Thompson, Alan G. Williams, James P. Jett, Juan Trotter •oesignates Chief Executive Officer 80 State of Arkansas: Bank Department PEOPLES BANK AND TRUST COMPANY 9th and Baker Street P.O. Drawer B Baxter County Zip Code: 72653 City: Mountain Home Population: 10,000 Charter Number: 147 Charter Date: August 10, 1906 Telephone: 425-2166 Branches: 1 Bank Holding Company Affiliate: Peoples Bank Corporation LARRY G. NELSON PRESIDENT & CEO CHARLES A. MORTON SENIOR VICE PRESIDENT CL YOE THORN, JR. SENIOR VICE PRESIDENT R. E. BAKER SENIOR VICE PRESIDENT RUDELL PANNELL SENIOR VICE PRESIDENT VICE PRESIDENT & T.O. RICK COOPER BETTY LONON VICE PRESIDENT JAMES E. REVES VICE PRESIDENT Total Assets .......................................... 131,780 Preferred Stock ............................................. -0Loans, Net. ............................................. .48,563 Common Stock ......................................... 2, 750 Securities ................................................ 68,381 Surplus ......................................................2,750 Interest Bearing Balances .........................2,908 Undivided Profits .......................................6,744 Total Deposits ....................................... 118,387 Reserve for Loan Losses .......................... 1,045 Number Shares Authorized .................. 110,000 Total Equity Capital .................................12,244 Number Shares Outstanding ................ 110,000 Subordinated Debt ........................................ -0· DIRECTORS: Powers L. Fowler, Neil Nelson, R.E. Baker, B.R. Wiseman, Guy King, W.T. Morgan, Larry G. Nelson, W.M. Thompson, Lon Jones, Ida Marie Lewis, Jeannine Wolf *Designates Chief Executive Officer BANK OF MOUNTAIN VIEW 121 East Ma.in Street P.O. Box C Stone County Zip Code: 72560 City: Mountain View Charter Number: 446 Telephone: 269-3815 Population: 2,147 Charter Date: July 21, 1915 Branches: O Bank Holding Company Affiliate: None GLEN HINKLE JAMES G. HINKLE CHARLES A. LOWE KENNETH SUTTON WELDON DUNCAN CHAIRMAN OF BOARD PRESIDENT EXECUTIVE VICE PRESIDENT SECRETARY, VICE PRESIDENT CASHIER rotal Assets ............................................44,543 .oans, Net... ............................................ 18, 105 3ecurities ................................................ 15,066 nterest Bearing Balances ......................... 7,700 rotal Deposits .........................................37,207 ~umber Shares Authorized ..................... .4,000 ~umber Shares Outstanding ................... .4,000 Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus ......................................................3,000 Undivided Profits .......................................3,839 Reserve for Loan Losses .............................122 Total Equity Capital.. .................................6,939 Subordinated Debt ........................................ -0- )!RECTORS: Glen Hinkle, James G. Hinkle, Charles A. Lowe, Kenneth Sutton Designates Chief Executive Officer 81 Seventy-Third Report THE BANK OF MONTGOMERY COUNTY George Street P.O. Box 435 Montgomery County Zip Code: 71957 City: Mount Ida Charter Number: 617 Telephone: 867-3148 Population: 1,127 Charter Date: November 26, 1930 Branches: O Bank Holding Company Affiliate: Montgomery County Bancshares, Inc. CHAIRMAN AND PRESIDENT SENIOR VICE PRESIDENT SENIOR VICE PRESIDENT CASHIER ASSISTANT CASHIER *DANIEL C. HORTON ROBERT CAMPBELL MELVIN L. SIMPSON MARCIA SUMMITT HETTIE ABERNATHY Total Assets ........................................... .42,253 Loans, Net. ..............................................20, 775 Securities ................................................ 17,134 Interest Bearing Balances......................... 1,300 Total Deposits .........................................37,783 Number Shares Authorized ..................... .4,000 Number Shares Outstanding ................... .4,000 Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus ......................................................1,400 Undivided Profits ....................................... 2, 144 Reserve for Loan Losses .............................266 Total Equity Capital.. ................................ .4,109 Subordinated Debt ........................................ -0- DIRECTORS: Daniel C. Horton, Denver Jones, G.R. Mosley, John Selig, R.L. Qualls, Robert Campbell, Melvin L. Simpson, Joe Brakefield, Jr., A. L. Banta, Bob Lybrand, Bob Gore, Bill Barnes, Bill Lawrence, Ode Maddox, Doyel O'Neal "Designates Chief Executive Officer BANK OF MULBERRY 311 Main Street P.O. Drawer "A" Crawford County Zip Code: 72947 Population: 1,500 Charter Date: January 15, 1902 Branches: O City: Mulberry Charter Number: 257 Telephone: 997-1154 Bank Holding Company Affiliate: Acme Holding Co., Inc. *BETTY FELLER DIANNA J. MILLSAP MARY B. BURKHART PHYLLIS DOUGLAS Total Assets ............................................20,865 Loans, Net... ............................................12,913 Securities ................................................. .4.594 Interest Bearing Balances ............................700 Total Deposits ......................................... 18,543 Number Shares Authorized ......................4,000 Number Shares Outstanding ....................4,000 PRESIDENT VICE PRESIDENT & CASHIER ASSISTANT VICE PRESIDENT ASSISTANT VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............................................100 Surplus ........................................................ .400 Undivided Profits ....................................... 1,157 Reserve for Loan Losses .............................201 Total Equity Capital.. ................................. 1,657 Subordinated Debt ........................................ -0- DIRECTORS: Betty Feller, W. J. Medlock, Lex Golden •oesignates Chief Executive Officer 82 State of Arkansas: Bank Department PIKE COUNTY BANK P.O. Box 279 Pike County Zip Code: 71958 City: Murfreesboro Charter Number: 175 Telephone: 285-2172 Population: 1,884 Charter Date: December 19, 1904 Branches: 1 Bank Holding Company Affiliate: None IRVIN C. BAINUM *CHARLES W. SHARP HAROLD SMITH BRENDA SMITH BRENDA ROBERTS BOBBY JO McALLISTER HELEN HENDERSON VANESSA LANCE BRUCE BEAN CHAIRMAN OF THE BOARD PRESIDENT VICE PRESIDENT & BRANCH MGR. VICE PRESIDENT CASHIER ASSISTANT CASHIER ASSISTANT CASHIER DATA PROCESSING OFFICER LOAN OFFICER Total Assets ............................................32,809 Loans, Net. .............................................. 19,562 Securities ..................................................9,619 Interest Bearing Balances .........................5, 114 Total Deposits ......................................... 28,761 Number Shares Authorized .................... 16,000 Number Shares Ou1s1anding .................. 16,000 Preferred Stock ............................................. -0Common Stock ........................................... .400 Surplus .........................................................500 Undivided Profits ....................................... 1,631 Reserve for Loan Losses ............................. 374 Total Equity Capltal... ................................2,531 Subordinated Debt.. ...................................... -0- DIRECTORS: Irvin C. Bainum, Cooper Kizzia, Char1es W. Sharp, Elbert Ray, Thomas Bridgeman, George E. Steel, Sr., Vance Evans, Ray Womack "Designates Chief Executive Officer BANK OF NEWARK 117 Front Street P.O. Box 320 Independence County Zip Code: 72562 City: Newark Charter Number: 686 Telephone: 799-3205 Population: 1,109 Charter Date: October 10, 1944 Branches: 1 Bank Holding Company Affiliate: Worthen Banking Corporation *R.M. TWYFORD JAMES R. RUTHERFORD, JR. JERRY BRIGHTWELL MARY STEELE LINDA HOLCOMBE Total Assets .............................................. 7 ,520 Loans, Net... .............................................. 1,6go Securities ..................................................2,717 Interest Bearing Balances......................... 1,500 Total Deposits ...........................................6,760 Number Shares Authorized .................... 11,665 Number Shares Outstanding .................. 11,665 PRESIDENT & CEO EXECUTIVE VICE PRESIDENT VICE PRESIDENT CASHIER ASSISTANT CASHIER Preferred Stock ............................................. -0Common Stock ............................................ 116 Surplus ......................................................... 191 Undivided Profits ..........................................392 Reserve for Loan Losses ...............................36 Total Equity Capital. .....................................700 Subordinated Debt... ..................................... -0- DIRECTORS: R.M. Twyford, Enos Nicholas, Jr., James R. Rutherford, Jr. "Designates Chief Executive Officer Seventy-Third Report 83 THE FIRST STATE BANK OF NEWPORT Hazel & Second Streets P.O. Box 340 Jackson County Zip Code: 72112 City: Newport Charter Number: 738 Telephone: 523-2744 Population: 8,339 Charter Date: July 6, 1978 Branches: 2 Bank Holdlng Company Affiliate: The First Newport Bancshares, Inc. *HAROLD W. PERRIN ALFRED J. COUCH JOE MILES JIMMY McCARTNEY PRESIDENT & CEO JUNIOR VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT Total Assets ............................................38,537 Loans, Net. .............................................. 19,400 Securities ..................................................8,221 Interest Bearing Balances .........................3,300 Total Deposits .........................................35,196 Number Shares Authorized ....................50,000 Number Shares Outstanding ..................29,336 Preferred Stock ............................................. -0Common Stock ............................................ 733 Surplus ...................................................... 1,263 Undivided Profits ....................................... 1, 197 Reserve for Loan Losses ............................. 895 Total Equity Capital. ..................................3, 194 Subordinated Debt.. ...................................... -0- DIRECTORS: David L. Johnston, Stephen Graham, George Kell, Harold Perrin, Robert Vanhook, Forrest E. Wise "Designates Chief Executive Officer MERCHANTS & PLANTERS BANK 2nd & Hazel Streets P.O. Box 550 Jackson County Zip Code: 72112 City: Newport Charter Number: 694 Telephone: 523-3601 *JIM S. GOWEN, SR. TERRY L. DILLON FRED C. POWERS PATRICIA H. DAVIS CARLA P. STIGER Population: 8,339 Charter Date: March 30, 1946 Branches: 1 Bank Holding Company Afflllate: None CHAIRMAN, CEO & PRESIDENT SENIOR VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT & CASHIER VICE PRESIDENT & ADMINISTRATIVE ASSISTANT Total Loans. Net .....................................22, 734 Common Stock ............................................225 Securities ..................................................9,547 Surplus ......................................................2,700 Interest Bearing Balances ......................... 5,047 Undivided Profits ..........................................501 Total Deposits .........................................42,128 Reserve for Loan Losses ............................ .421 Number Shares Authorized .................... 12,000 Total Equity Capital.. .................................3,426 Number Shares Outstanding ....................9,000 Subordinated Debt.. ..................................... 300 DIRECTORS: Morris Bowman, R.O. Burton, John L. Conner, Sr., T.R. Curtner, Troy A. Gray, Jim S. Gowen, Sr., Robert Harvey, Ernest D. McDonald, Fred M. Pickens, Jr., Gerald A. Saracini, J.E. Scoggins "Designates Chief Executive Officer State of Arkansas: 84 Bank Department THE TWIN CITY BANK One Riverfront Place Pulaski County P.O. Box 5581 Zip Code: 72114 City: North Little Rock Charter Number: 671 Telephone: 372-4700 Population: 64,419 Charter Date: March 21, 1935 Branches: 10 Bank Holding Company Affiliate: Frank Lyon Company 'T. E. RENAUD EDWARD M. PENICK, JR. KENNETHJ.PENNEBAKER ROBERT F. BIRCH, JR. MARGARET DAVENPORT RONALD G. GILLERT KENNETH D. HAMMONDS PAT KOCH STEPHEN G. BLAIR JEAN AREHART SUSAN R. BLAIR FRANK HUGGINS CL YTICE KOEHLER JOHNNY S. PLOSZAY SANDRA ROGERS PHYLLIS SADLER BENNY SCROGGIN SUSAN SISK WILLIAM "BILL" WILLSON SUSAN A. WINKLEY Total Assets ......................................... .423,254 Loans, Net. ............................................ 252,886 Securities .............................................. 124,223 Interest Bearing Balances ............................ 500 Total Deposits ....................................... 376,085 Number Shares Authorized Preferred Stock ................................... 10,000 Common Stock ............................... 1,000,000 Number Shares Outstanding Preferred Stock ..................................... 9,500 Common Stock ..................................270,000 CHAIRMAN AND CEO PRESIDENT EXECUTIVE VICE PRESIDENT EXECUTIVE VICE PRESIDENT SENIOR VICE PRESIDENT SENIOR VICE PRESIDENT & COMPT. SENIOR VICE PRESIDENT SENIOR VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT AND AUDITOR Preferred Stock ......................................... 9,500 Common Stock ......................................... 2,700 Surplus ..................................................... .4,000 Undivided Profits ..................................... 10,693 Reserve for Loan Losses .......................... 4,934 Total Equity Capital.. ...............................26,893 Subordinated Debt ....................................... 263 DIRECTORS: T. E. Renaud, Martin Borchert, Ralph Cotham, Jr., Dr. Joseph Bates, David J. Jones, Frank Lyon, Jr., Mike Mehaffy, Henry Mariani, Michael 0. Moore, Kenneth J. Pennebaker, Edward M. Penick, Jr., George Pitts, Jr., Eugene M. Pfeifer, Ill, George M. Rozzell, Jr., George W. Tribou, Larry Wallace, Ray Wilson •oesignates Chief Executive Officer Seventy-Third Report 85 THE PLANTERS BANK 1300 West Keiser P.O. Box 407 Mississippi County Zip Code: 72370 City: Osceola Charter Number: 684 Telephone: 563-2666 Population: 8,881 Charter Date: April 13, 1944 Branches: 2 Bank Holding Company Affiliate: None SLOAN RAINWATER WM. I. RAINWATER *JIM HINKLE JUNE WELBORN BETTY H. RUE GARY LITTLE JUNIOR CHAIRMAN VICE CHAIRMAN PRESIDENT VICE PRESIDENT VICE PRESIDENT & CASHIER VICE PRESIDENT Total Assets ............................................33,550 Preferred Stock ............................................. -0Loans, Net... ............................................ 16, 153 Common Stock ............................................500 Securities ................................................ 12,098 Surplus ...................................................... 1,000 Undivided Profits ....................................... 1,637 Interest Bearing Balances ......................... 1, 199 Total Deposits .........................................30, 183 Reserve for Loan Losses ............................. 153 Number Shares Authorized ....................20,000 Total Equity Capital.. .................................3,137 Number Shares Outstanding ..................20,000 Subordinated Debt ........................................ -0DIRECTORS: Sloan Rainwater, Jr., Wm. I. Rainwater, Wm. I. Rainwater, Jr., Henry J. Swift, Jim Hinkle, Nathan Weinberg, E. H. Riley, Lowell 0. Winston, Paul B. Billings, J. A. Crosthwait, Virginia Cox, Dewey Neely, Steve Cox *Designates Chief Executive Officer BANK OF OZARK Sixth & Commercial P.O. Box 196 Franklin County Zip Code: 72949 City: Ozark Charter Number: 674 Telephone: 667-2181 Population: 3,621 Charter Date: June 9, 1937 Branches: 1 Bank Holding Company Affiliate: Ozark Bankshares, Inc. CARL G. HOLT *GEORGE G. GLEASON, 11 MARK D. ROSS L. STEVEN ROSS HAROLD D. BECK LARRY M. DICKS CHAIRMAN CHIEF EXECUTIVE OFFICER PRESIDENT - BANK SERVICES PRESIDENT - MORTGAGE SERVICES SENIOR VICE PRESIDENT - CASHIER SENIOR VICE PRESIDENT - LENDING Total Assets ............................................81,275 Preferred Stock ............................................. -0Loans, Net. .............................................. 56,879 Common Stock ............................................685 Securities ................................................ 14,364 Surplus ......................................................5,565 Interest Bearing Balances ............................. -0Undivided Profits ....................................... 1,668 Total Deposits ......................................... 71,658 Reserve for Loan Losses ............................. 654 Number Shares Authorized .................... 27,399 Total Equity Capital ...................................7,918 Number Shares Outstanding .................. 27,399 Subordinated Debt ........................................ -0DIRECTORS: Carl G. Holt, George G. Gleason, II, Coy Kirkpatrick, Marcia Lawrence, W. D. Gober, Mark D. Ross, Kennith Smith, Floyd G. Ervin, Robert J. Evans, 0. Porter Hilliard, Rebecca P. Johnson, Larry M. Dicks, Lucy Sowell, L. Steven Ross, Gus Shaffer, Linda D. Gleason, Frances Caleb *Designales Chief Executive Officer 86 State of Arkansas: Bank Department SECURITY BANK Court & Pruett Streets P.O. Box 670 Greene County Zip Code: 72450 Population: 15 ,21 4 Charter Date: February 5, 1931 Branches: 3 City: Paragould Charter Number: 640 Telephone: 239-9571 Bank Holding Company Affiliate: Mid South Bancshares *WILLIAM B. FISHER FRANK OLDHAM, JR. STEVEN GRAMLING SANDRA KASSERMAN PRESIDENT & CEO CHAIRMAN OF THE BOARD EXECUTIVE VICE PRESIDENT, LOANS EXECUTIVE VICE PRESIDENT, MARKETING Total Assets ............................................84,509 Loans, Net. ..............................................49,948 Securities ................................................21,887 Interest Bearing Balances .........................4,930 Total Deposits .........................................75,902 Number Shares Authorized .................. 132,000 Number Shares Outstanding ................ 120,000 Preferred Stock ............................................. -0Common Stock ......................................... 1,200 Surplus ...................................................... 1, 700 Undivided Profits ....................................... 2,655 Reserve for Loan Losses ............................. 904 Total Equity Capital.. .................................5,555 Subordinated Debt .................................... 1,095 DIRECTORS: Frank Oldham, Jr., William B. Fisher, Steve Gramling, Ray Distretti, Frank Guinn, G.I. Higgins, R.D. Jackson, D.I. Purcell, Richard Nutt, Everett Rogers, V.A. Shotts, Terry Wilkins, Francis Bland •oesignates Chief Executive Officer BANK OF PARKDALE U.S. Highway 165 P.O. Box 37 Ashley County Zip Code: 71661 City: Parkdale Charter Number: 141 Telephone: 473-2217 Population: 473 Charter Date: February 1, 191 O Branches: O Bank Holding Company Affiliate: None *BRUCE M. TIMMONS THOMAS R. PUGH GEORGE L. PUGH GERALDINE G. ZATWARSKY NITA D. WILLIAMSON EXECUTIVE VICE PRESIDENT CHAIRMAN PRESIDENT VICE PRESIDENT CASHIER Total Assets ............................................ 17,211 Preferred Stock ............................................. -0Loans, Net... ..............................................9,635 Common Stock ............................................. .40 Securities ..................................................3,465 Surplus .........................................................860 Interest Bearing Balances ............................989 Undivided Prolits ..........................................368 Total Deposits ......................................... 15,715 Reserve for Loan Losses ............................. 180 Number Shares Authorized ...................... 1,600 Total Equity Capital.. ................................. 1,268 Number Shares Outstanding .................... 1,600 Subordinated Debt ......................................... 50 DIRECTORS: Thomas R. Pugh, George L. Pugh, Augustus H. Pugh, J.C. Larrison, Carl Wells, Dewayne Haynes, J.A. Gibson, Ernest G. O'Neal, Frank A. Pugh, Neill M. Sloan, Harrison Ralph, Garrard Mountjoy •oesignates Chief Executive Officer Seventy-Third Report 87 FIRST STATE BANK P.O. Box 526 Cross County Zip Code: 72373 City: Parkin Charter Number: 568 Telephone: 755-5401 Population: 2,055 Charter Date: June 5, 1925 Branches: 0 Bank Holding Company Affiliate: Parkin Bancrop. Inc. "WILLIAM N. GRIFFIN FRANK G. WALLACE MITCHELL R. HIGDON CEO PRESIDENT EXECUTIVE VICE PRESIDENT Total Assets ............................................10,587 Loans, Net... .............................................. 4,432 Securities ................................................. .4,653 Interest Bearing Balances ............................ 100 Total Deposits ...........................................9,176 Number Shares Authorized ...................... 4,000 Number Shares Outstanding ....................4,000 Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus .........................................................400 Undivided Profits ..........................................393 Reserve for Loan Losses ...............................99 Total Equity Capital ................................... 1,073 Subordinated Debt... .................................... 200 DIRECTORS: William N. Griffin, Fred E. Brenner, Jr., John A. Brenner, Raymond S. Clift, C.R. (Neil) Griffin, Mitchell R. Higdon, J.E. McNeil, Jr., William B. Mcswain, C.W. Martin, Ill, Frankie C. Martin, Charles Ruston, Jr., Charles D. Thomas 'Designates Chief Executive Officer BANK OF PEA RIDGE 106 S. Curtis P.O. Box 5 Benton County Zip Code: 72751 City: Pea Ridge Charter Number: 339 Telephone: 451-8155 Population: 1,488 Charter Date: February 11, 1911 Branches: O Bank Holding Company Affiliate: Northwest Arkansas Bancshares *GREG REED BARBARA OWEN VALERIE ASH LARRY CLARK Total Assets ............................................23,851 Loans, Net... ............................................ 14,200 Securities ..................................................7,693 Interest Bearing Balances.........................3,032 Total Deposits .........................................21,858 Number Shares Authorized ...................... 7,500 Number Shares Outstanding .................... 5,500 PRESIDENT VICE PRESIDENT CASHIER ASSISTANT VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ..............................................83 Surplus ...................................................... 1,043 Undivided Profits ..........................................756 Reserve for Loan Losses ............................ .429 Total Equity Capital. .................................. 1,882 Subordinated Debt.. ...................................... -0- DIRECTORS: R.E. Buck, Rick Buck, Robert Harp, Mitchell Webb, Greg Reed, Dayne Galyen, Jim Walton, Franklin Miller *Designates Chief Executive Officer 88 State of Arkansas: Bank Department PERRY COUNTY BANK 201 West Main St. P.O. Box 189 Perry County Zip Code: 72126 City: Perryville Charter Number: 690 Telephone: 889-2318 Population: 1,200 Charter Date: December 8, 1945 Branches: 1 Bank Holding Company Affiliate: Perry County Bancshares, Inc. PRESIDENT & CEO SENIOR VICE PRESIDENT VICE PRESIDENT ASSISTANT VICE PRESIDENT CASHIER ASSISTANT CASHIER *TOM MATHIAS JOE CARTER NAOMI CHAMBLISS HELEN BRANDON MARTY SATTERFIELD CAROLYN BROOKS Total Assets ............................................38 ,315 Loans, Net... ............................................ 18,819 Securities ................................................ 11,644 Interest Bearing Balances .........................4,397 Total Deposits .........................................34,618 Number Shares Authorized .................... 16,000 Number Shares Outstanding .................. 16,000 Preferred Stock ............................................. -0Common Stock ............................................400 Surplus .........................................................800 Undivided Profits ....................................... 2,278 Reserve for Loan Losses ............................. 150 Total Equity Capital. ..................................3,478 Subordinated Debt ........................................ -0- DIRECTORS: Tom Mathias, Rob Hill, Herby Branscum, Jr. "Designates Chief Executive Officer PIGGOTT STATE BANK 212 West Cherry P.O. Box 307 Clay County Zip Code: 72454 City: Piggott Charter Number: 613 Telephone: 598-3802 Population: 4,000 Charter Date: March 19, 1930 Branches: O Bank Holding Company Afflllate: Piggott Bankstock, Inc. *JAMES L. MAGEE PAULA 0. BLACKWELL JAMES C. POOLE Total Assets ............................................26,269 Loans, Net. ................................................7,887 Securities ................................................ 13, 174 Interest Bearing Balances .........................2,691 Total Deposits ......................................... 23,865 Number Shares Authorized ..................... .4,000 Number Shares Outstanding .................... 4,000 PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT & CASHIER Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus ...................................................... 1,225 Undivided Profits .•........................................572 Reserve for Loan Losses ............................. 116 Total Equity Capital.. ................................. 1,897 Subordinated Debt.. ...................................... -0- DIRECTORS: Gaylon M. Lawrence, James L. Magee, Paula 0. Blackwell "Designates Chief Executive Officer 89 Seventy-Third Report FIRST STATE BANK Main & Broadway P. 0. Box 277 Yell County Zip Code: 72857 Population: 750 Charter Date: January 12, 1934 Branches: 1 City: Plainview Charter Number: 663 Telephone: 272-4221 Bank Holding Company Affiliate: Clement Bancshares, Inc. *JOHN CLEMENT PRESIDENT RALPH WILSON EXECUTIVE VICE PRESIDENT W. E. WATSON VICE PRESIDENT & CASHIER VICE PRESIDENT JAMES N. BATA Total Assets ............................................21,978 Loans, Net.. ............................................. 14,398 Securities ..................................................3,257 Interest Bearing Balances......................... 1,585 Total Deposits .........................................18,753 Number Preferred Shares Authorized ....20,000 Number of Common Shares Authorized ...............................................20,000 Number Shares Outstanding ..................40,000 DIRECTORS: Edw. H. Smoot, John Clement, Ralph Harris Preferred Stock ............................................200 Common Stock ............................................200 Surplus .........................................................800 Undivided Prolits ..........................................475 Reserve for Loan Losses .............................280 Total Equity Capital.. ................................. 1,675 Subordinated Debt ....................................... 1oo Wilson, George Tippin, Thelma Clement, Helen *Designates Chief Executive Officer BANK OF POCAHONTAS 101 E. Broadway P.O. Box 467 Randolph County Zip Code: 72455 City: Pocahontas Charter Number: 145 Telephone: 892-5286 Bank Holding Company Affiliate: None *HARRY A. BELFORD JOHN R. JACKSON, JR. J. R. JACKSON G. B. JOHNSON W.H.HOLOBAUGH MAX LONG MARY D. JACKSON MARY CULLISON HATTIE ROBINSON Population: 5,995 Charter Date: October 31, 1903 Branches: 1 CHAIRMAN & CEO PRESIDENT VICE PRESIDENT VICE PRESIDENT & CASHIER VICE PRESIDENT VICE PRESIDENT SECRETARY ASSISTANT CASHIER ASSISTANT SECRETARY Total Assets ............................................43,021 Preferred Stock ............................................. -0Loans, Net.. ...............................................8,560 Common Stock ............................................ 125 Securities ................................................23,015 Surplus ......................................................2,000 Interest Bearing Balances............................ 100 Undivided Profits .......................................2,480 Total Deposits .........................................38,010 Reserve for Loan Losses .............................242 Number Shares Authorized ...................... 5,000 Total Equity Capital.. .................................4,605 Number Shares Outstanding .................... 5,000 Subordinated Debt ........................................ -0DIRECTORS: Harry A. Belford, Don R. Cox, J.M. Futrell, J. Philip Futrell, J.R. Jackson, John R. Jackson, Jr., Michael L. McNabb, Carol Belford-Lewallen •oesignates Chief Executive Officer State of Arkansas: Bank Department PLANTERS AND STOCKMEN BANK 205 Rice Street Randolph County P.O. Box 587 Zip Code: 72455 Population: 5,995 Charter Date: June 12, 1962 Branches: 0 ::::ity: Pocahontas ::::harter Number: 715 relephone: 892-5252 Bank Holding Company Affiliate: Baker Financial Corporation JERIEL A. SUMMITT ROBERT E. SORG fED GRIFFITH PRESIDENT & CEO EXECUTIVE VICE PRESIDENT VICE PRESIDENT rotal Assets ............................................22,974 _oans, Net... ............................................ 11 ,046 Securities ..................................................8, 107 Interest Bearing Balances ............................200 rotal Deposits .........................................21.034 Number Shares Authorized .................... 10,000 Number Shares Outstanding .................. 10,000 Preferred Stock ............................................. -0Common Stock ............................................200 Surplus ...................................................... 1,300 Undivided Profits ..........................................284 Reserve for Loan Losses .............................332 Total Equity Capital. .................................. 1,784 Subordinated Debt ........................................ -0- DIRECTORS: A.J. Baltz, Jr., Robert T. Baker, Dr. Thomas DeClerk, Jerry Sallee, A.J. Baltz, Sr., Frank Bigger, Jim King, Jeriel Summitt, W.J. Barthel, Jerrell Broadway. Frances Jones, Dick Trammel 'Designates Chief Executive Officer THE LAWRENCE COUNTY BANK Hwy 63 North Lawrence County P.O. Box 160 Zip Code: 72457 Population: 480 Charter Date: March 23, 1901 Branches: 2 City: Portia Charter Number: 71 Telephone: 886-2461 Bank Holding Company Affiliate: None SLOAN RAINWATER, JR. WILLIAM I. RAINWATER JIM HINKLE BOYCE DURHAM MARILYN K. DAVIS CHAIRMAN & CEO PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT/CASHIER Total Assets ............................................ 13,413 Loans, Net. ............................................... .4,334 Securities ..........: .......................................6. 181 Interest Bearing Balances ......................... 1.599 Total Deposits ......................................... 12,300 Number Shares Authorized ......................5.000 Number Shares Outstanding ....................5,000 Preferred Stock ............................................. -0Common Stock ............................................ 125 Surplus .........................................................375 Undivided Profils ..........................................377 Reserve for Loan Losses ............................. 141 Total Equity Capital. .....................................877 Subordinated Debt ........................................ -0- DIRECTORS: Sloan Rainwater. Jr.• William I. Rainwater, Jr., Virginia R. Cox. William I. Rainwater, Steven Cox, Maurice Starr, A.M. Starr, Earl D. Perkins, Boyce Durham ·oesignates Chief Executive Officer Seventy-Thi rd Report 91 THE PEOPLES BANK Main Street P.O. Box 178 Ashley County Zip Code: 71663 City: Portland Charter Number: 251 Telephone: 737-2236 Population: 720 Charter Date: January 22, 1908 Branches: O Bank Holding Company Affiliate: Mainline Bankshares of Portland, Inc. HAMPTON PUGH "TIPTON PUGH MARY DEAN PUGH JACK D. EDWARDS JULIA A. SADLER JEAN C. TARVIN CHAIRMAN PRESIDENT/CASHIER VICE PRESIDENT SECRETARY/ASSISTANT CASHIER ASSISTANT CASHIER ASSISTANT CASHIER Total Assets ..............................................7,848 loans, Net... .............................................. 1,288 Securities ..................................................4,631 Interest Bearing Balances......................... 1,399 Total Deposits ...........................................6,887 Number Shares Authorized ......................4,000 Number Shares Outstanding ....................4,000 Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus .........................................................525 Undivided Profits ..........................................248 Reserve for loan losses............................... 14 Total Equity Capital ......................................873 Subordinated Debt ........................................ -0- DIRECTORS: Hampton Pugh, Mary Dean Pugh, Tipton Pugh, Jack D. Edwards 'Designates Chief Executive Officer PORTLAND BANK Main Street P.O. Box 68 Ashley County Zip Code: 71663 City: Portland Charter Number: 57 Telephone: 737-2226 Population: 720 Charter Date: April 23, 1900 Branches: 1 Bank Holding Company Affiliate: Portland Bankshares, Inc. ROBERT D. PUGH *MACK BORGOGNONI VANITA GRANTHAM BILL JONES Total Assets ............................................ 14,624 loans, Net... ..............................................9,351 Securities ..................................................2,999 Interest Bearing Balances............................653 Total Deposits ......................................... 13,002 Number Shares Authorized ....................20,000 Number Shares Outstanding ..................20,000 CHAIRMAN PRESIDENT VICE PRESIDENT & CASHIER VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............................................200 Surplus .........................................................900 Undivided Profits ..........................................447 Reserve for loan losses ............................... 79 Total Equity Capital... ................................ 1,626 Subordinated Debt ........................................ -0- DIRECTORS: Mack Borgognoni, C.E. Bridewell, Fred laGrone, Bill Jones, Benton Newcome, Joel Newcome, Robert D. Pugh, Don Pylate, Ken Reed, R.H. Tuggle 'Designates Chief Executive Officer 92 State of Arkansas: Bank Department THE FARMERS & MERCHANTS BANK 102 E. Buchanan St. P.O. Box 207 Washington County Zip Code: 72753 Population: 1,708 Charter Date: August 29, 1904 Branches: 1 City: Prairie Grove Charter Number: 166 Telephone: 846-2115 Bank Holding Company Affiliate: None JAMES C. RIEFF WILFORD H. THOMPSON TED DOKE PRESIDENT EXECUTIVE VICE PRESIDENT VICE PRESIDENT/CASHIER Total Assets ............................................48,876 Loans, Net... ............................................ 16,206 Securities ................................................27,594 Interest Bearing Balances ............................. -0Total Deposits .........................................43,231 Number Shares Authorized .................... 12,000 Number Shares Outstanding .................. 12,000 Preferred Stock ............................................. -0Common Stock ............................................300 Surplus .........................................................300 Undivided Profits ...................................... .4,502 Reserve for Loan Losses .............................602 Total Equity Capital.. ................................. 5, 102 Subordinated Debt.. .....................................300 DIRECTORS: D.E. Rieff, James C. Rieff, Wilford H. Thompson, Argil Bartholomew, Billy Joe Bartholomew, Barry H. Parks, J.L. Herrin *Designates Chief Executive Officer BANK OF PRESCOTT P.O. Box 492 Nevada County Zip Code: 71857 City: Prescott Charter Number: 162 Telephone: 887-2688 Population: 5,000 Charter Date: August 10, 1904 Branches: 1 Bank Holding Company Affiliate: First State Holding Company of Prescott JOHN WARREN BRANNAN, SR. JOHN WARREN BRANNAN, JR. JAMES A. PULLEN JEAN K. BOLTON JAMES E. FRANKS CHAIRMAN & CEO PRESIDENT SENIOR VICE PRESIDENT & CASHIER VICE PRESIDENT VICE PRESIDENT Total Assets ............................................42,052 Loans, Net... ............................................ 12, 720 Securities ................................................23,663 Interest Bearing Balances ............................. -0Total Deposits .........................................36,258 Number Shares Authorized ....................24,000 Number Shares Outstanding ..................24,000 Preferred Stock ............................................. -0Common Stock ............................................ 600 Surplus ...................................................... 1,400 Undivided Profits ....................................... 1,346 Reserve for Loan Losses ............................. 253 Total Equity Capital... ................................ 3,565 Subordinated Debt ........................................ -0- DIRECTORS: Johnny Brannan, John Brannan, Jr., Jean K. Bolton, Duncan Culpepper, Carl Dalrymple, B.A. Delamar, Joe M. Fore, James E. Franks, Robert L. Godwin, Gerald C. Hendrix, Abb Morman, R.W. Murry, R.K. McCasland, James A. Pullen, Milburn D. Tipptt, John Vansickle *Designates Chief Executive Officer Seventy-Third Report 93 THE BANK OF RECTOR 400 Main Street P.O. Box 7 Clay County Zip Code: 72461 City: Rector Charter Number: 616 Telephone: 595-3591 Population: 2,395 Charter Date: November 15, 1930 Branches: 0 Bank Holding Company Affiliate: North Arkansas Bancshares, Inc. WALLACE W. FOWLER *MARY H. SIGSBY CHAIRMAN PRESIDENT Total Assets ............................................ 23,843 Loans, Net... ..............................................7,815 Securities ................................................ 13.641 Interest Bearing Balances ............................998 Total Deposits ......................................... 20.948 Number Shares Authorized ..................... .4.000 Number Shares Outstanding ................... .4.000 Preferred Stock ............................................ -0Common Stock ............................................ 100 Surplus ...................................................... 1,400 Undivided Profits ....................................... 1.038 Reserve for Loan Losses .............................292 Total Equity Capital ...................................2.538 Subordinated Debt ............... :........................ -0- DIRECTORS: C. Joseph Calvin. R.D. Cranford. Jama Fowler. Wallace W. Fowler. Phil Jones. Lloyd McCracken. Jr.• Bert E. Sigsby, Mary H. Sigsby "Designates Chief Executive Officer FARMERS AND MERCHANTS BANK P.O. Box 108 Randolph County Zip Code: 72462 City: Reyno Charter Number: 360 Telephone: 769-2240 Population: 521 Charter Date: November 3, 1911 Branches: 1 Bank Holding Company Affiliate: Far-Mer Bankshares, Inc. *WILLIAM WILLIAM PHYLLIS DORA B. A. SANDLIN A. SANDLIN, II BURROW GRAHAM Total Assets ............................................ 13,770 Loans. Net... ............................................. .4.169 Securities ..................................................7,713 Interest Bearing Balances ............................. -0Total Deposits ......................................... 12,601 Number Shares Authorized ....................30.000 Number Shares Outstanding ..................29,534 PRESIDENT, CHAIRMAN & CEO SECRETARY/TREASURER CASHIER HEAD OF DATA PROCESSING Preferred Stock ............................................. -0Common Stock ............................................ 295 Surplus .........................................................675 Undivided Prolits .......................................... 109 Reserve for Loan Losses .............................. .44 Total Equity Capital.. ................................. 1.079 Subordinated Debt ........................................ -0- DIRECTORS: William Sandlin. William A. Sandlin, II. R.C. Luter. J.A. Rapert. Delano Edington *Designates Chief Executive Officer 94 State of Arkansas: Bank Department THE BANK OF RISON 200 Main Street P.O. Box 345 Cleveland County Zip Code: 71665 City: Rison Charter Number: 650 Telephone: 325-6251 Population: 1 ,398 Charter Date: March 7, 1932 Branches: O Bank Holding Company Affiliate: None JAMES L. MOORE *JAMES R. HOPSON JOHN W. ELROD RAY B. MARTIN SHIRLEY STEWART MAYDELL MORRISON JUDY THOMPSON CHAIRMAN PRESIDENT & CEO VICE PRESIDENT VICE PRESIDENT ASSISTANT CASHIER ASSISTANT CASHIER ASSISTANT CASHIER Total Assets ............................................ 13,833 Loans, Net.. ...............................................2,020 Securities ..................................................8,076 Interest Bearing Balances......................... 2,329 Total Deposits ......................................... 11,591 Number Shares Authorized ..................... .4,000 Number Shares Outstanding .................... 4,000 Preferred Stock ............................................. -0Common Stock ............................................ 1oo Surplus .........................................................300 Undivided Profits ....................................... 1,747 Reserve for Loan Losses .............................. -0Total Equity Capital.. .................................2, 147 Suboridnated Debt ........................................ -0- DIRECTORS: John W. Elrod, Ray B. Martin, James L. Moore, James R. Hopson, James L. Moore, Ill "Designates Chief Executive Officer FARMERS AND MERCHANTS BANK Fourth & Chestnut P.O. Box 250 Benton County Zip Code: 72757 City: Rogers Charter Number: 712 Telephone: 636-4233 Population: 18,040 Charter Date: March 13, 1956 Branches: 2 Bank Holding Company Affiliate: Lynxx Banking Corporation *DICK MCLELLAND CHARLES H. BRANNAN SHIRLENE CABLE J. E. COLLIER Total Assets ............................................77,077 Loans, Net... ............................................47,366 Securities ................................................ 13,495 Interest Bearing Balances.........................9,224 Total Deposits .........................................70,807 Number Shares Authorized .................. 292, 150 Number Shares Outstanding ................ 135,523 ·ceo PRESIDENT & VICE PRESIDENT VICE PRESIDENT OF OPERATIONS VICE PRESIDENT & TRUST OFFICER Preferred Stock ............................................. -0Common Stock ......................................... 1,355 Surplus ......................................................4, 145 Undivided Profits ....................................... (890) Reserve for Loan Losses .......................... 1,499 Total Equity Capital.. ................................ .4,610 Subordinated Debt .......................................600 DIRECTORS: John R. Bland, DDS, Lewis B. Norman, Lemuel H. Tull, Dick Mclelland, Robert S. Maloney, Evelyn S. Rife, Don L. Shores *Designates Chief Executive Officer Seventy-Third Report 95 BANK OF DOVER 2000 East Main P.O. Box 3010 Pope County Zip Code: 72801 City: Russellville Charter Number: 192 Telephone: 967-8000 Population: 18,000 Charter Date: September 29, 1905 Branches: 3 Bank Holding Company Affiliate: Dover Bancshares *WARD J. RAMSAY ROY REAVES HAROLD HAYES PHILIP H. WORTHEN JOYCE CHURCHILL BETTYE WAIT CHAIRMAN OF BOARD & CEO PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT CASHIER & ASSISTANT PRESIDENT ASSISTANT VICE PRESIDENT ASSISTANT VICE PRESIDENT CAROL ANN HARRIS BRAD PAYNE VICE Total Assets ............................................31,508 Loans, Net. .............................................. 20,589 Securities ..................................................6,392 Interest Bearing Balances ......................... 1,584 Total Deposits ......................................... 28,925 Number Shares Authorized .................... 16,000 Number Shares Outstanding .................... 9,200 Preferred Stock ............................................. -0Common Stock ............................................ 230 Surplus ...................................................... 1,025 Undivided Profits ....................................... 1,066 Reserve for Loan Losses ............................. 344 Total Equi1y Capital. .................................. 2,321 Subordinated Debt ........................................ ·O· DIRECTORS: Ward J. Ramsey, James K. Young, Delmer Boley, Truett Leavell, Verlin Taylor, Roy Reaves *Designates Chief Executive Officer PEOPLES BANK & TRUST COMPANY Main & Commerce P.O. Box 220 Pope County Zip Code: 72801 City: Russellville Charter Number: 18 Telephone: 964-2112 Population: 18,000 Charter Date: March 24, 1890 Branches: 5 Bank Holding Company Affiliate: Worthen Banking Corporation *ROBERT TAYLOR JAMES BIGGERS JUDY R. LAWTON E. WILSON MOORE PRESIDENT & CEO SENIOR VICE PRESIDENT SENIOR VICE PRESIDENT SENIOR VICE PRESIDENT Total Assets .......................................... 104,616 Preferred Stock ............................................. -0Loans, Net.. .............................................67,287 Common Stock ............................................600 Securities ................................................ 13,438 Surplus ..................................................... .4,892 Interest Bearing Balances .........................6,669 Undivided Profits ......................................... (42) Total Deposits ......................................... 98,304 Reserve for Loan Losses .......................... 1,477 Number Shares Authorized .................... 28,000 Total Equity Capital... ................................ 5,450 Number Shares Outstanding .................. 24,000 Subordinted Debt .......................................... -0DIRECTORS: Robert Taylor, M.L. Dickerson, Dr. Robert Thu~by, Luther Hardin, Van Moores, David Oates, James Bibler, Jack Price, Sr., Flave Peters, David Purtle, Cleo Cheek, Keith B. Cogswell, Jr. "Designates Chief Executive Officer 96 State of Arkansas: Bank Department BANK OF SALEM P.O. Box 338 Fulton County Zip Code: 72576 City: Salem Charter Number: 266 Telephone: 895-2591 Population: 1,427 Charter Date: December 9, 1908 Branches: 1 Bank Holding Company Affiliate: Smith Associated Banking Corporation RICHARD T. SMITH *FRANK B. BURGE BESS NORTHCUTT GEORGE HUMPHRIES CHAIRMAN OF BOARD PRESIDENT & CEO SENIOR VICE PRESIDENT/CASHIER SENIOR VICE PRESIDENT Total Assets ........................................... .47,809 Loans, Net. ..............................................28,749 Securities ................................................ 11,875 Interest Bearing Balances .........................3,246 Total Deposits .........................................43,708 Number Shares Authorized ....................20,000 Number Shares Outstanding .................. 20,000 Preferred Stock ............................................. -0Common Stock ............................................200 Surplus ...................................................... 1,300 Undivided Profits ....................................... 1,975 Reserve for Loan Losses .............................261 Total Equity Capital. ..................................3,475 Subordinated Debt ........................................ -0- DIRECTORS: Richard T. Smith, Frank B. Burge, George Humphries, C. Dwayne Plumlee, LR. "Jack" Cochran 'Designates Chief Executive Officer LOGAN COUNTY BANK 600 Main Street P.O. Box 85 Logan County Zip Code: 72863 City: Scranton Charter Number: 578 Telephone: 938-2511 Population: 244 Charter Date: April 7, 1926 Branches: 0 Bank Holding Company Affiliate: None •JOE FRITSCHE J.B.LAYES JERRY L. DAVIES GARY FRITSCHE DON FRITSCHE REGINA M. LAYES EMMA M. RAPER Total Assets ............................................20,231 Loans, Net. ................................................7,583 Securities ................................................ 10,750 Interest Bearing Balances............................ 792 Total Deposits ......................................... 17,808 Number Shares Authorized ..................... .4,000 Number Shares Outstanding ....................4,000 DIRECTORS: Margaret Ahne, Joe Fritsche, Mildred '"Designates Chief Executive Officer PRESIDENT SENIOR VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT CASHIER ASSISTANT CASHIER ASSISTANT CASHIER Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus .........................................................500 Undivided Profits ....................................... 1,642 Reserve for Loan Losses ............................. 173 Total Equity Capital.. ................................. 2,242 Subordinated Debt ........................................ -0Fritsche, J.B. Layes Seventy-Third Report 97 FIRST SECURITY BANK 314 North Spring P.O. Box 1009 White County Zip Code: 72143 City: Searcy Population 14,081 Charter Date: February 6, 1932 Charter Number: 649 Telephone: 268-9871 Branches: 5 Bank Holding Company Afflliate: First of Searcy Inc. *REYNIE RUTLEDGE PRESIDENT & CHAIRMAN JAMES G. WILSON EXECUTIVE VICE PRESIDENT B. R. RAND SENIOR VICE PRESIDENT JAMES H. STAKE VICE PRESIDENT ANN TURLEY ASSISTANT VICE PRESIDENT &AUDITOR ELLEN WILSON ASSISTANT VICE PRESIDENT ASSISTANT VICE PRESIDENT JOHNNY JOHNSON VICE PRESIDENT KATHRYN SIMS WILLIAM L. NEWTON VP & TRUST OFFICER DANIEL R. HUCKABAY TRUST OFFICER Total Assets .......................................... 112,407 Preferred Stock ............................................. -0Loans, Net. ..............................................58,504 Common Stock ............................................600 Securities ................................................43,456 Surplus ..................................................... .4,400 Interest Bearing Balances............................. -0Undivided Proftts .......................................6,896 Total Deposits .........................................98,402 Reserve for Loan Losses ............................. 878 Number Shares Authorized .................... 24,000 Total Equity Capital ................................. 11,896 Number Shares Outstanding .................. 24,000 Subordinated Debt... ..................................... -00IRECTORS: Reynie Rutledge, Larry Cain, Dr. Clifton Ganus, John McKnight, Wayne Ridout, Dr. Porter Rodgers, Bill Roussel, N.T. Rutledge, Jim Tarkington, Alvin Vanhook, E.D. Yancey "Designates Chief Executive Officer GRANT COUNTY BANK 101 North Oak P.O. Box 67 Grant County Zip Code: 72150 City: Sheridan Population: 3,042 Charter Number: 136 Charter Date: July 29, 1903 Telephone: 942-3145 Branches: 2 Bank Holdlng Company Affiliate: GCB-Bancshares D. E. MCCOY, SR. CHAIRMAN OF BOARD *D. E. MCCOY, JR. PRESIDENT & TRUST OFFICER JOHN D. MANATT VICE PRESIDENT & CASHIER SUE REYNOLDS ADMINISTRATIVE ASSISTANT RAYMOND STOKER VICE PRESIDENT Total Assets ............................................36,396 Preferred Stock ............................................. -0Loans, Net.. ............................................. 19,501 Common Stock ............................................450 Securtties ................................................ 11,558 Surplus .........................................................550 Interest Bearing Balances ......................... 1,615 Undivided Profits .......................................2,491 Total Depostts .........................................32,723 Reserve for Loan Losses ............................. 255 Number Shares Authorized ....................45,000 Total Equity Capital... ................................3,491 Number Shares Outstanding ..................45,000 Subordinated Debt ........................................ -0DIRECTORS: W.W. Allen, Byron D. Brown, Jr., Jim Lancaster, D.E. McCoy, Sr., D.E. McCoy, Jr., John D. Manatt, Robert L. Reeves, W. Lee Tucker *Designates Chief Executive Officer 98 State of Arkansas: Bank Department FIRST STATE BANK North Hills Shopping Center P.0. Box 6009 Pulaski County Zip Code: 72116 City: Sherwood Charter Number: 720 Telephone: 835-4122 Population: 10,923 Charter Date: December 23, 1966 Branches: 3 Bank Holding company Affiliate: State Holding Company *AL HARKINS CATHERINE OWENS ANNETTE VANPELT BRYAN SCOGGINS PAUL CASTLEBERRY PRESIDENT SECRETARY-TREASURER SENIOR VICE PRESIDENT VICE PRESIDENT INTERNAL AUDITOR Total Assets ........................................... .42,497 Loans, Net. ..............................................22,971 Securities ................................................ 12,098 Interest Bearing Balances.........................2,872 Total Deposits .........................................38, 166 Number Shares Authorized ......................8,000 Number Shares Outstanding ....................8,000 Preferred Stock ............................................. -0Common Stock ............................................100 Surplus ...................................................... 1,000 Undivided Profits ....................................... 1,962 Reserve for Loan Losses .............................238 Total Equity Capital.. ................................. 3,062 Subordinated Debt ........................................ -0- DIRECTORS: Al Harkins, Horace Jewell, Harry L. Hastings, Jr., James C. Nichols, Catherine Owens *Designates Chief Executive Officer ARKANSAS STATE BANK 318 East Main P.O. Box 400 Benton County Zip Code: 72761 City: Siloam Springs Charter Number: 713 Telephone: 524-8101 Population: 8,500 Charter Date: January 12, 1960 Branches: 1 Bank Holding Company Affiliate: None D. E. ALLEN SR. *ROSS STOUT HENRY BROSELL, JR. ARTHUR MORRIS THOMAS H- FREE, Ill Total Assets ............................................75,596 Loans, Net. ..............................................23,223 Securities ................................................40,961 Interest Bearing Balances ............................ 100 Total Deposits .........................................69,343 Number Shares Authorized ....................48,000 Number Shares Outstanding .................. 48,000 CHAIRMAN OF BOARD PRESIDENT VICE PRESIDENT & CASHIER VICE PRESIDENT VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............................ :............ 2,400 Surplus .........................................................500 Undivided Profits .......................................2,499 Reserve for Loan Losses .............................251 Total Equity Capital.. .................................5,399 Subordinated Debt ........................................ -0- DIRECTORS: D.E. Allen Sr., D.E. Allen Jr., Roderick L. Allen, H.E. Harrison Jr., Charles C. Jones, Mark Simmons, Ross Stout "Designates Chief Executive Officer Seventy-Third Report 99 SMACKOVER STATE BANK 708 North Broadway P.O. Drawer 107 Union County Zip Code: 71762 City: Smackover Charter Number: 600 Telephone: 725-3051 Population: 2,456 Charter Date: April 18, 1928 Branches: 1 Bank Holding Company Affiliate: Smackover Bancshares, Inc. CHAIRMAN & CtlEF EXECUTIVE OFFICER PRESIDENT SENIOR VICE PRESIDENT & CASHIER VICE PRESIDENT *MAX 0. TAYLOR BOB WILLETT PAULETTE BUSSELL CATHRYN WEAVER Total Assets ............................................49,102 Loans, Net... ............................................30, 115 Securities ................................................15,402 Interest Bearing Balances ............................. -0Total Deposits .........................................43,471 Number Shares Authorized ......................... 100 Number Shares Outstanding ........................ -0- Preferred Stock ............................................. -0Common Stock ......................................... 1,ooo Surplus ......................................................2,500 Undivided Profits ....................................... 1,694 Reserve for Loan Losses .............................314 Total Equity Capital.. ................................. 5, 194 Subordinated Debt ........................................ -0- DIRECTORS: Max 0. Taylor, James M. Tennyson, John D. Trimble, V, Richard H. Vickers, Bob Willett •Designates Chief Executive Officer MERCHANTS & PLANTERS BANK P.O. Box 127 Dallas County Zip Code: 71763 City: Sparkman Charter Number: 457 Telephone: 678-2251 Population: 622 Charter Date: September 19, 1916 Branches: 0 Bank Holding Company Affiliate: None BILL J. FORD *TYROL Q. CARSON DORIS D. MANN PATRICIA N. SHADDOCK KATHRYN K. DANIELL Total Assets ..............................................6, 754 Loans, Net.. ...............................................3,372 Securities ..................................................2,091 Interest Bearing Balances ............................ 650 Total Deposits ...........................................6, 169 Number Shares Authorized .............................3 Number Shares Outstanding ...........................3 CHAIRMAN OF THE BOARD PRESIDENT CASHIER ASSISTANT CASHIER ASSISTANT CASHIER Preferred Stock ............................................. -0common Stock ..............................................75 Surplus ......................................................... 125 Undivided Profits ..........................................341 Reserve for Loan Losses...............................29 Total Equity Capltal ...................................... 541 Subordinated Debt... ..................................... -0- DIRECTORS: Bill J. Ford, Ray White, Tyrol Q. Carson, G.W. Delaughter, Joseph B. Ford, Charles T. Gaston *Designates Chief Executive Officer 100 State of Arkansas: Bank Department FIRST STATE BANK 203 East Emma P.O. Box 189 Washington County Zip Code: 72764 City: Springdale Population: 26,000 Charter Number: 535 Charter Date: February 12, 1923 Telephone: 751-1500 Branches: 4 Bank Holding Company Affiliate: Worthen Banking Corporation WALTER TURNBOW CHAIRMAN OF THE BOARD *RICK L. PARSONS PRESIDENT/CEO DON L. GIBSON EXECUTIVE VICE PRESIDENT DAN HENDRICKS SENIOR VICE PRESIDENT ROBERT "RIP" PHILLIPS SENIOR VICE PRESIDENT BUDDY PHILPOT VICE PRESIDENT RANDY BOYER VICE PRESIDENT GARY HEAD VICE PRESIDENT COMMERCIAL LNDG. WAYNE BELL VICEPRESIDENTCOMMERCIALLNDG. Total Assets .......................................... 152, 178 Preferred Stock ............................................. -0Loans, Net. ..............................................97,416 Common Stock ............................................966 Securities ................................................ 19,990 Surplus ......................................................5,938 Interest Bearing Balances ....................... 12,238 Undivided Prolits ....................................... 3,148 Total Deposits ....................................... 130,243 Reserve for Loan Losses .......................... 1,774 Number Shares Authorized ......................9,664 Total Equity Capital ................................. 10,052 Number Shares Outstanding .................... 9,664 Subordinated Debt.. .....................................700 DIRECTORS: Joe S. Boone, Charles C. Farmer, Don L. Gibson, Gerald L. Harp, Harold D. Hewitt, J.E. Hinshaw, Gerald M. Johnston, Rick L. Parsons, Phil Phillips, Jr., Phillip Steele, Dr. Charles P. Sisco, Walter Turnbow *Designates Chief Executive Officer BODCAW BANK 401 Thomas P.O. Box 8 Lafayette County Zip Code: 71860 City: Stamps Charter Number: 106 Telephone: 533-4486 Population: 2,859 Charter Date: April 1, 1903 Branches: 0 Bank Holding Company Affiliate: None B. STAN COOK CHAIRMAN 'JAMES NIPPER PRESIDENT C. C. RUSSELL VICE PRESIDENT A. 0. SMITH VICE PRESIDENT H. L. WILKINSON VICE PRESIDENT J. PAUL NIPPER VICE PRESIDENT BONNIE MORELAND CASHIER LENORA DOWNS ASSISTANT CASHIER Total Assets ............................................34,149 Preferred Stock ............................................ -0Loans, Net... ..............................................7,295 Common Stock ......................................... 1,000 Securities ................................................23,897 Surplus .........................................................250 Interest Bearing Balances ............................ 900 Undivided Profits ....................................... 2,050 Total Deposits .........................................30,508 Reserve for Loan Losses ............................. 111 Number Shares Authorized .................... 10,000 Total Equity Capital.. ................................. 3,300 Number Shares Outstanding .................. 10,000 Subordinated Debt ........................................ -0DIRECTORS: B. Stan Cook, A.O. Smith, C.C. Russell, H.L. Wilkinson, Roy Z. Kimbell, James Nipper, J. Woodrow Smith *Designates Chief Executive Officer Seventy-Third Report 101 BANK OF STAR CITY Jefferson Street P.O. Drawer 69 Lincoln County Zip Code: 71667 City: Star City Charter Number: 567 Telephone: 628-4286 Population: 2,101 Charter Date: April 7, 1925 Branches: O Bank Holding Company Affiliate: Star City Bancshares *BENNIE RYBURN, JR. M. DON SMITH ANNETA R. MOORE CHAIRMAN PRESIDENT EXECUTIVE VICE PRESIDENT Total Assets ............................................29,595 Loans, Net. ................................................9,990 Securities ..................................................5, 142 Interest Bearing Balances ....................... 12,344 Total Deposits .........................................26,052 Number Shares Authorized .................... 15,000 Number Shares Outstanding .................. 15,000 Preferred Stock ............................................. -0Common Stock ............................................ 150 Surplus .........................................................600 Undivided Profits ....................................... 1,634 Reserve for Loan Losses ............................. 146 Total Equity Capital. .................................. 2,384 Subordinated Debt ........................................ -0- DIRECTORS: Bennie Ryburn, Jr., M. Don Smith, Pat Riley, Jr., William Frizzell, Fred Thornton "'Designates Chief Executive Officer STEPHENS SECURITY BANK 108 Ruby Street P.O. Box 7 Ouachita County Zip Code: 71764 City: Stephens Charter Number: 692 Telephone: 786-5416 Population: 1,366 Charter Date: April 1, 1946 Branches: O Bank Holding Company Affiliate: Smith Associated Banking Corporation RICHARD SMITH *JAMES MORGAN CAROL REAVES LINDA THOMAS Total Assets ............................................24,125 Loans, Net... ............................................ 14.443 Securities .................................................. 8,204 Interest Bearing Balances ............................399 Total Deposits .........................................21,638 Number Shares Authorized .................... 11,000 Number Shares Outstanding .................. 11,000 CHAIRMAN OF BOARD PRESIDENT & CEO EXECUTIVE VICE PRESIDENT & CASHIER VICE PRESIDENT Preferred Stock ............................................. -0· Common Stock ............................................ 275 Surplus .........................................................558 Undivided Profits ....................................... 1, 173 Reserve tor Loan Losses ............................. 166 Total Equity Capital.. .................................2,006 Subordinated Debt ........................................ -0- DIRECTORS: Richard T. Smith, James M. Morgan, Grady Arrington, Eugene Bramblett, Duncan Grayson, Guy R. Smith, Roger G. Smith, Rudolph Smart, Jay C. Wilson, Colon Watson *Designates Chief Executive Officer State of Arkansas: 102 Bank Department CITIZENS BANK Corner of 2nd & Pine P.0. Box 724 Union County Zip Code: 71765 :::ity: Strong :::harter Number: 634 relephone: 797-7361 Population: 839 Charter Date: January 19, 1931 Branches: o Bank Holding Company Affiliate: Exchange Bancshares, Inc. FIOBERT P. TAYLOR JAMES H. LUDWIG JEANELL COGBURN CHAIRMAN PRESIDENT CASHIER & VICE PRESIDENT rotal Assets ..............................................9,352 Preferred Stock ............................................. -0..oans, Net. ................................................3,036 Common Stock ............................................200 ~ecurities ..................................................4, 796 Surplus .........................................................300 nteres1 Bearing Balances............................ 696 Undivided Profits ....................................... 1,011 rotal Deposits ...........................................7,711 Reserve for Loan Losses ............................... 38 ~umber Shares Authorized ......................8,000 T01al Equity Capital.. ................................. 1,511 ~umber Shares Outstanding .................... 8,000 Subordinated Debt... ..................................... -0)IRECTORS: O.B. Clark, Bobby R. Dugal, Noland H. Hagood, Earl Herring, D.R. James Jr., James i. Ludwig, Glenn Rambin, Robert P. Taylor Designates Chief Executive Officer THE FARMERS & MERCHANTS BANK 708 S. Main P.O. Drawer 947 Arkansas County Zip Code: 72160 ;ity: Stuttgart ;harter Number: 687 relephone: 673-6911 Population: 10,983 Charter Date: January 2, 1945 Branches: 3 Bank Holding Company Affiliate: The Farmers and Merchants Bankshares, Inc. >ON PATTILLO :ARL GUNTER "ILLIAM R. TRICE .LOYD RATCLIFF ,LENN BAUMAN .ARRY GUNNELL :.J. "JODY" FOWLER ,ARY HUDSON PRESIDENT & CEO EXECUTIVE VICE PRESIDENT SR.VICE PRESIDENT SR.VICE PRESIDENT SR. VICE PRESIDENT SR. VICE PRESIDENT SR. VICE PRESIDENT SR. VICE PRESIDENT ·otal Assets ............................................91 ,033 Preferred Stock ............................................. -0.oans, Net.. ............................................59,066 Common Stock ......................................... 1,000 ;ecurities ................................................21, 111 Surplus ......................................................3, 100 1tereS1 Bearing Balances......................... 1,720 Undivided Proms .......................................4,492 ·otal Deposits .........................................79,537 Reserve for Loan Losses .............................648 lumber Shares Authorized ......................... 100 Total Equity Capital ...................................8,592 lumber Shares Outstanding ....................... 100 Subordina1ed Debt.. ...................................... -OIi RECTORS: Roy 0. McCollum, Ill, Horace "Pete" Sickel, Lloyd Ratcliff, Don Pattillo, James Pond, :urtis Siems, Billy Simpson, Ray Vester, Robert Seidens1ricker JesignateS Chief Executive Officer Seventy-Third Report 103 BANK OF TRUMANN Hwy63 P.O. Box 48 Poinsett County Zip Code: 72472 City: Trumann Charter Number: 354 Telephone: 483-6333 Population: 6,044 Charter Date: October 2, 1911 Branches: O Bank Holding Company Affiliate: None CHERYL McMASTERS CARROLL D. ANDERSON WILBURN J. COLE RICK GILLETTE SHIRLEY BENSON PRESIDENT & CHAIRMAN OF THE BOARD CASHIER VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT ASST. VICE PRESIDENT Total Assets ........................................... .40, 154 Loans, Net... ............................................ 12,324 Securities ................................................24, 138 Interest Bearing Balances ............................. -0Total Deposits .........................................34,939 Number Shares Authorized ....................60,000 Number Shares Outstanding ..................60,000 Preferred Stock ............................................. -0Common Stock ......................................... 1,500 Surplus ...................................................... 1,900 Undivided Profits ..........................................502 Reserve for Loan losses............................. 309 Total Equity Capital. ..................................3,902 Subordinated Debt ........................................ -0- •CLYDE ROBERTSON, JR. DIRECTORS: Clyde Robertson, Jr., Terry M. Clogston, J. F. Lady, Eugene Pounds, Wilburn J. Cole, Carroll D. Anderson, Natalie T. Stuckey, Virginia P. Turner '"Designates Chief Executive Officer BANK OF TUCKERMAN Main Street P.O. Box 700 Jackson County Zip Code: 72473 City: Tuckerman Charter Number: 164 Telephone: 349-5155 Population: 2,078 Charter Date: November 8, 1902 Branches: 2 Bank Holding Company Affiliate: None •LINDLEY V. SMITH, JR. VAN SMITH CORNELIUS ADCOX ANN WATSON Total Assets ............................................25,872 loans, Net... ............................................ 10,418 Securities ..................................................7,439 lnteres1 Bearing Balances......................... 1,684 Total Deposits ......................................... 21,989 Number Shares Authorized ......................4,000 Number Shares OU1s1andin9 ....................4,000 PRESIDENT CHAIRMAN CASHIER AUDITOR Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus .........................................................900 Undivided Profils ....................................... 2,416 Reserve for Loan losses.............................334 To1al Equity Capital ................................... 3,416 Subordina1ed Debt ........................................ -0- DIRECTORS: Sco1ty ArmS1rong, Bob Penix, Van Smi1h, Lindley Smi1h •oesignates Chief Executive Officer 04 State of Arkansas: Bank Department TYRONZA BANK P.O. Box 395 Poinsett County Zip Code: 72386 :ity: Tyronza :harter Number: 704 ·elephone: 487-2161 Population: 777 Charter Date: October 1, 1951 Branches: O Bank Holding Company Affiliate: Tyronza Bancshares ~HARLES F. LUTER ~AXYNE URSERY IOGER STOKES PRESIDENT VICE PRESIDENT & CASHIER ASST. VICE PRESIDENT otal Assets ............................................ 19,967 oans, Net.. ...............................................9,531 ,ecurities .................................................. 4, 157 1terest Bearing Balances ........................ .4,672 ·otal Deposits .........................................16,675 lumber Shares Authorized ...................... 2,000 lumber Shares Outstanding .................... 2,000 Preferred Stock ............................................. -0Common Stock ..............................................50 Surplus ...................................................... 1,000 Undivided Profits ....................................... 1,920 Reserve for Loan Losses .............................211 Total Equity Capital.. ................................. 2,970 Subordinated Debt ........................................ -0- IIRECTORS: Charles F. Luter, G. E. Beley, H. F. Norcross, Jr., Lewis Wood, Eugene Vaughn, A. A. :anks )esignates Chief Executive Officer CITIZENS BANK & TRUST COMPANY 3110 Alma Highway P.O. Box 469 Crawford County Zip Code: 72956 :ity: Van Buren :harter Number: 328 ·eIephone: 474-1201 Population: 12,020 Charter Date: December 19, 1910 Branches: 3 Bank Holding Company Affiliate: Citizens Financial Service Corporation I. A. HAMMERSCHMIDT, JR. IELVIN M. WAMOCK IARION H. RIGGS HCHAEL M. MORROW I. GREGG BIGHAM PRESIDENT EXEC. VICE PRESIDENT SR. VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT otal Assets ............................................68,320 oans, Net. ............................................. .45, 708 ecurities ................................................ 16,894 Iterest Bearing Balances ............................ 100 otal Deposits .........................................62, 165 lumber Shares Authorized .................... 16,000 lumber Shares Outstanding .................. 16,000 Preferred Stock ............................................. -0Common Stock ........................................... .400 Surplus ......................................................2, 100 Undivided Profits .......................................2,916 Reserve for Loan Losses .......................... 1,118 Total Equity Capital... ................................ 5,416 Subordinated Debt ........................................ -0- 1tRECTORS: Jack D. Alexander, Jimmy D. Gooch, Marion H. Riggs, John R. Ballentine, R. A. ammerschmidt, Jr., Paul Shirley, Robert D. Fisher, Morril Harriman, Melvin M. Warnock lesignates Chief Executive Officer 105 Seventy-Third Report PEOPLES BANK 101 Main Columbia County P.O. Box 426 Zip Code: 71770 Population: 1,685 Charter Date: June 22, 1910 Branches: 3 City: Waldo Charter Number: 313 Telephone: 693-5551 Bank Holding Company Affiliate: Golden Oaks Bancshares, Inc. PRESIDENT EXEC. VICE PRESIDENT VICE PRESIDENT & CASHIER VICE PRESIDENT ASST. VICE PRESIDENT ASST. VICE PRESIDENT ASST. CASHIER •HAROLD FINCHER RICHARD PO CLARK JOYCE CRANE DOROTHY J. FINCHER JILL JACKSON JEANIE ROWE KATHRYN GASS Preferred Stock ............................................. ·0Total Assets ............................................24,536 Common Stock ............................................250 Loans, Net. ................................................7,973 Surplus .........................................................250 Securities ..................................................8,892 Undivided Profits ....................................... 1,997 lnteres1 Bearing Balances.........................6,777 Reserve for Loan Losses ............................. 114 Total Deposits ......................................... 20,687 Total Equity Capital ...................................2,497 Number Shares Authorized .................... 10,000 Subordinated Debt... ..................................... ·0Number Shares Ou1s1anding .................. 10,000 DIRECTORS: Harold Fincher, Richard Clark, Dorothy J. Fincher, Imogene Clark, Mary Baird, Clark Fincher, G. F. Scott, Betty Scott, Pam Davis, Betty Harris "Designates Chief Executive Officer BANK OF WALDRON 110 West 4th Scott County P.O. Box 278 Zip Code: 72958 Population: 2,642 Charter Date: April 3, 1901 Branches: 1 City: Waldron Charter Number: 72 Telephone: 637-2161 Bank Holding Company Affiliate: None DALE RODGERS •BILL R. PHILPOT KNOX DOZIER ROBERT AKERS LINDA TANNER CHAIRMAN OF THE BOARD PRESIDENT & CEO EXEC. VICE PRESIDENT VICE PRESIDENT CASHIER Preferred Stock ............................................. -0Total Asse1s ............................................54, 197 Common Stock ............................................600 Loans, Net. ..............................................37,025 Surplus ...................................................... 1,900 Securities ................................................ 10,543 Undivided Profits ....................................... 3,811 ln1erest Bearing Balances......................... 3,874 Reserve for Loan Losses .............................375 Total Deposits .........................................47,508 Total Equity Capital. ..................................6,311 Number Shares Authorized ....................24,000 Subordinated Debt ........................................ -0Number Shares Outstanding ..................24,000 Billy J. Black, Jim H. Currier, W. W. Davis, Ashford, DIRECTORS: Dale Rodgers, Robert Akers, Kelly Knox Dozier, Rena Owens, Bill R. Philpot, James Richmond *Designates Chief Executive Officer 106 State of Arkansas: Bank Department SCOTT COUNTY BANK Main & West Church St. P.O. Box 838 Scott County Zip Code: 72958 City: Waldron Charter Number: 741 Telephone: 637-3191 Population: 2,642 Charter Date: February 20, 1980 Branches: 0 Bank Holding Company Affiliate: None *JOHN E. CHAMBERS, Ill PATSY HAWKINS ROBBIE ZIMMER TRISHA SIKES BEKKI HAAS C.E.O. PRESIDENT VICE PRESIDENT CASHIER ASST. CASHIER Total Assets ............................................31,936 Loans, Net... ............................................22,205 Securities .................................................. 2,083 Interest Bearing Balances ......................... 5,239 Total Deposits ......................................... 29,296 Number Shares Authorized .................... 40,000 Number Shares Outstanding ..................40,000 Preferred Stock ............................................. -0· Common Stock ........................................... .400 Surplus ...................................................... 1.100 Undivided Profits .......................................... 932 Reserve for Loan Losses ............................. 316 Total Equity Capital. ..................................2,432 Subordinated Debt ........................................ -0- DIRECTORS: Johnny Chambers, Pasty Hawkins, Howard Brown, J. B. Cox, Roy Hale, Thurman Keener, W. R. Rice "Designates Chief Executive Officer FIRST STATE BANK OF WARREN P.O. Box 29 Bradley County Zip Code: 71671 City: Warren Charter Number: 739 Telephone: 226-2601 Population: 9,971 Charter Date: December 12, 1978 Branches: 2 Bank Holding Company Affiliate: Bradley Bancshares, Inc. *FREDDIE M. MOBLEY BENNIE RYBURN, SR. HUGH QUIMBY CHARLES L. SIMPSON Total Assets ............................................ 51,894 Loans, Net.. ............................................. 21,690 Securities ................................................ 18,429 Interest Bearing Balances .........................8,850 Total Deposits .........................................45,520 Number Shares Authorized .................... 59,000 Number Shares Outstanding .................. 59,000 PRESIDENT CHAIRMAN OF BOARD EXEC. VICE PRESIDENT VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............................................590 Surplus ...................................................... 1,910 Undivided Profits ....................................... 1,650 Reserve for Loan Losses............................. 300 Total Equity Capltal .................................. .4, 150 Subordinated Debt ........................................ -0- DIRECTORS: Robert E. Garner, Roger George, Freddie M. Mobley, Hugh A. Quimby, Bennie Ryburn, Jr., Bennie Ryburn, Sr., J. C. Thompson, H. Sidney Wharton "Designates Chief Executive Officer Seventy-Third Report 107 WARREN BANK AND TRUST COMPANY 201 S. Main P.O. Box 350 Bradley County Zip Code: 71671 City: Warren Charter Number: 160 Telephone: 226-2621 Population: 9,971 Charter Date: December 28, 1901 Branches: 3 Bank Holdlng Company Affiliate: None *GERARD SANGSTER GERALD BURTON WALTER RUTLEDGE PAULINE HOLLINGSWORTH JAMES SMITH Total Assets ............................................87 ,234 Loans, Net.. .............................................28,678 Securities ................................................48,282 Interest Bearing Balances......................... 5,300 Total Deposits .........................................69,634 Number Shares Authorized ....................48,000 Number Shares Outstanding ..................48,000 PRESIDENT SR. VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ......................................... 1,200 Surplus.................................................... 1,200 Undivided Profits ...................................... .4,937 Reserve for Loan Losses ............................ .435 Total Equity Capital. .................................. 7,337 Subordinated Debt.. ...................................... -0- DIRECTORS: L. W. Ederington, F. Martin Hankins, C. A. Milton, L. H. Derby, Jr., W. Sykes Harris, G. C. Sangster, John Frazer, Jr., J. E. Hurley, Jr., G. F. Wynne *Designates Chief Executive Officer BANK OF WEINER Hwy 49 S P.O. Box 307 Poinsett County Zip Code: 72479 City: Weiner Charter Number: 276 Telephone: 684-2221 Population: 750 Charter Date: April 1, 1909 Branches: 1 Bank Holding Company Affiliate: None *JOHN R. HOGUE NILES BISE MICHAEL D. GILLIS CHAIRMAN & PRESIDENT EXEC. VICE PRESIDENT SR- VICE PRESIDENT Total Assets ............................................32,025 Preferred Stock ............................................. -0Loans, Net. .............................................. 17,663 Common Stock ............................................200 Securities ................................................ 11,637 Surplus ...................................................... 1,300 Interest Bearing Balances............................300 Undivided Profits ....................................... 1,739 Total Deposits .........................................28,454 Reserve for Loan Losses .............................802 Number Shares Authorized ......................8,000 Total Equity Capital.. .................................3,239 Number Shares Outstanding ....................8,000 Subordinated Debt ........................................ -0DIRECTORS: John R. Hogue, Niles Bise, Charles Givens, Malcolm Hogue, Dr. E. L. Hogue, Herbert Ziegenhom "Designates Chief Executive Officer 108 State of Arkansas: Bank Department MERCHANTS AND FARMERS BANK 425 E. Plaza P.O. Box 2507 Phillips County Zip Code: 72390 City: West Helena Charter Number: 700 Telephone: 572-3481 Population: 11,005 Charter Date: October 4, 1948 Branches: 2 Bank Holding Company Affiliate: Southern Bancshares, Inc. •DOUGLAS SIMMONS BILL SIMMONS JAMES A. BOGLE GORDON WHITE E.F. KALB, JR. CEO & VICE CHMN OF BOARD PRESIDENT EXEC. VICE PRESIDENT & CASHIER SR. VICE PRESIDENT SR. VICE PRESIDENT Total Assets ............................................75,986 Loans, Net. ..............................................35,331 Securities ................................................30,797 Interest Bearing Balances .........................1 ,597 Total Deposits ......................................... 66,976 Number Shares Authorized ....................20,000 Number Shares Outstanding ..................20,000 Preferred Stock ............................................. -0Common Stock ............................................500 Surplus ...................................................... 1,000 Undivided Protits .......................................3,785 Reserve for Loan Losses ............................ .428 Total Equity Capital.. ................................. 5,285 Subordinated Debt ........................................ -0- DIRECTORS: James E. Boyd, Brooks Griffin, Jerry Kelley, Walter L. Morris, Ralph C. Murray, Bill Simmons, Douglas Simmons, Herman H. Storey *Designates Chief Executive Officer BANK OF WEST MEMPHIS P.O. Box 2128 Crittenden County Zip Code: 72301 City: West Memphis Charter Number: 601 Telephone: 735-2922 Population: 28,138 Charter Date: April 21, 1928 Branches: 2 Bank Holding Company Affiliate: Bancshares of West Memphis, Inc. *JACK K. HOGAN ROBERT L. WRIGHT ROBERT L. NAYLOR ARLEY KNIGHT Total Assets ............................................63,604 Loans, Net... ............................................21,246 Securities ................................................30,968 Interest Bearing Balances ............................. -0Total Deposits .........................................56,227 Number Shares Authorized .................. 100,000 Number Shares Outstanding ................ 100,000 PRESIDENT EXEC. VICE PRESIDENT VICE PRESIDENT & AUDITOR VICE PRESIDENT & TRUST OFFICER Preferred Stock ............................................. -0Common Stock ......................................... 1,000 Surplus ...................................................... 1,500 Undivided Profits ...................................... .4,61 o Reserve for Loan Losses ............................. 253 Total Equity Capital. .................................. 7,363 Subordinated Debt ........................................ -0- DIRECTORS: George H. Dunklin, Jack K. Hogan, W. Kent Ingram, Keith Ingram, James A. Heath, Davis Biggs, Lloyd C. McCuiston, Jr., M.E. Black Dunklin, Paul W. O'Neal, Pat K. Magruder, Bob G. Morgan, J. C. Tennison, Frank Waggener, Jr. *Designates Chief Executive Officer Seventy-Third Report 109 WILMOT STATE BANK 218 E. Main P.O. Box 95 Ashley County Zip Code: 71676 City: Wilmot Charter Number: 676 Telephone: 473-2211 Population: 1,227 Charter Date: October 25, 1937 Branches: 0 Bank Holding Company Affiliate: None *KENNETH ALLBRITTON PRESIDENT & C.E.O. Total Assets ..............................................8,046 Loans, Net. ................................................4,305 Securities .....................................................253 Interest Bearing Balances ......................... 1,479 Total Deposits ........................................... 6,732 Number Shares Authorized .................... 12,000 Number Shares Outstanding .................. 12,000 Preferred Stock ............................................. -0Common Stock ............................................ 120 Surplus .........................................................755 Undivided Profits .......................................... 381 Reserve for Loan Losses ...............................51 Total Equi1y Capital. .................................. 1,256 Subordinated Debt ........................................ -0- DIRECTORS: W. B. deYampert, John B. Currie, John B. Currie, Jr., I. A. Janes, T. F. Schannell, Ill, William J. Currie "Designates Chief Execulive Officer BANK OF WILSON P.O. Box 338 Mississippi County Zip Code: 72395 City: Wilson Charter Number: 262 Telephone: 655-8374 Population: 1,115 Charter Date: October 3, 1908 Branches: 1 Bank Holding Company Affiliate: None *R. E. L. WILSON, ALICE GRIFFIN NONA THOMPSON BILLY RUSSELL, JR. FANNIE CARTWRIGHT MARY EMILY THOMPSON Total Assets ............................................ 17, 187 Loans, Net. ................................................6,055 Securities ..................................................8,030 Interest Bearing Balances ............................300 Total Deposits ......................................... 14,440 Number Shares Authorized ..................... .4,000 Number Shares Outstanding ................... .4,000 V. PRESIDENT CASHIER ASST. CASHIER LOAN OFFICER BRANCH MANAGER OPERATIONS OFFICER Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus ...................................................... 1,000 Undivided Profits ....................................... 1,543 Reserve for Loan Losses .............................216 Total Equity Capital ................................... 2,643 Subordinated Debt ........................................ -0- DIRECTORS: Harold Clemons, Sumner R. Cullom, C.L. Denton, Jr., Phillip Forrester, J. B. Hilliard, Caldwell D. Lowrance, Michael E. Wilson, R. E. L. Wilson, R. E. L. Wilson, V, Stephen A. Wilson •oesignates Chief Executive Officer 110 State of Arkansas: Bank Department CROSS COUNTY BANK #1 Cross County Plaza P.O. Box 9 Cross County Zip Code: 72396 City: Wynne Charter Number: 25 Telephone: 238-8171 Population: 8,500 Charter Date: June 5, 1891 Branches: 2 Bank Holding Company Affiliate: Cross County Bancshares, Inc. KEN MCCLANAHAN PRESIDENT & CEO WINIFRED SIGMAN ADMIN. VICE PRESIDENT & CASHIER MAZIE BALLARD VICE PRESIDENT LEON FOUST VICE PRESIDENT 11.NN JONES VICE PRESIDENT MAC MCCLANAHAN VICE PRESIDENT JUDY THOMAS EXEC. SECRETARY CHARLOTTE PATTON ASST. VICE PRESIDENT Total Assets ............................................ 70,217 Preferred Stock ............................................. ·0Loans, Net... ............................................ 26, 117 Common Stock ............................................ 100 Securities ................................................ 36, 194 Surplus .....................................................2,400 Interest Bearing Balances ............................. -0Undivided Profits .......................................3,117 Total Deposits .........................................63,635 Reserve for Loan Losses.............................397 \Jumber Shares Authorized ..................... .4,000 Total Equity Capital ................................... 5,617 \Jumber Shares Outstanding ....................4,000 Subordinated Debt ........................................ -0· [)!RECTORS: John H. Johnston, Jr. Willard G. Burks, James Richardson, Albert Hess, Pete Imboden, !II, Marvin Hagaman, Joseph E. Dooley, Jr., Guy E. Fisher, Roger Pohlner ·Designates Chief Executive Officer THE BANK OF YELLVILLE Corner of Madison & Church Streets P.O. Box 325 Marion County Zip Code: 72687 :::ity: Yellville :::harter Number: 691 retephone: 449-4231 Population: 1,044 Charter Date: December 13, 1945 Branches: 1 Bank Holding Company Affiliate: Mountain Bancshares, Inc. ::HARLES D. CAMPBELL JANIE PURDOM :;HERYL L. BAKER PRESIDENT & CEO VICE PRESIDENT/LENDING VICE PRESIDENT/OPERATIONS Total Assets ............................................ 43,017 Preferred Stock ............................................. -0Net. .............................................. 23,398 Common Stock ............................................ 208 ~ecurities ..................................................7,970 Surplus ......................................................1,590 nterest Bearing Balances .........................6,660 Undivided Prolits ..........................................999 Total Deposits .........................................39,989 Reserve for Loan Losses .............................77 4 \Jumber Shares Authorized ....................23,500 Total Equity Capital. .................................. 2,797 \Jumber Shares Outstanding ..................20,781 Subordinated Debt ........................................ -0)!RECTORS: Judy Loving, Dan R. Duren, Susan Wendel, Oran Carter, A. Owen Kompelien, John lames, Karl King ..oans, 'Designates Chief Executive Officer Seventy-Third Report SEVENTY-THIRD REPORT showing THE CONDITION OF THE 2 ARKANSAS STATE-CHARTERED TRUST COMPANIES (Not engaged in commercial banking) ASSETS AND LIABILITIES ARE AS SHOWN BY THE CALL OF JUNE 30, 1987 111 112 State of Arkansas: Bank Department JONES INVESTMENT AND TRUST COMPANY 504 First Federal Plaza Pulaski County Zip Code: 72201 City: Little Rock Charter Number: 302 Telephone: 374-5225 Population: 175,000 Charter Date: February 9, 1910 Branches: 0 Bank Holding Company Affiliate: None BERNICE JONES H. G. FROST, JR. MARY SELLERS CHAIRMAN OF BOARD, PRESIDENT VICE PRESIDENT SECRETARY-TREASURER Total Assets ............................................ 13,839 Loans, Net... .............................................. 1 ,500 Securities ..................................................8,298 Interest Bearing Balances ......................... 3,400 Total Deposits ............................................... -0Number Shares Authorized ...................... 1,000 Number Shares Outstanding .................... 1,000 Preferred Stock ............................................. -0Common Stock ............................................ 100 Surplus .................................................... 10,000 Undivided Profits .......................................3,591 Reserve for Loan Losses ............................... 16 Total Equity Capital. ................................ 13,691 Subordinated Debt ........................................ -0- DIRECTORS: Bernice Jones, H. G. Frost, Jr., Mary Sellers "Designates Chief Executive Officer METROPOLITAN TRUST COMPANY 7500 Hwy. 107 P.O. Box 6500 Pulaski County Zip Code: 72116 City: Sherwood Charter Number: 569 Telephone: 835-7500 Population: 10,923 Charter Date: June 5, 1925 Branches: O Bank Holding Company Affiliate: None HAL C. MATTHEWS ANDREW J. COLLINS PEGGY L. BEASLEY EVERETT L. HALL, JR. PRESIDENT VICE PRESIDENT & GENERAL COUNSEL SECRETARY TREASURER Total Assets .................................................471 Loans, Net.. ................................................... -0Securities ....................................................... 20 Interest Bearing Balances ............................ 123 Total Deposits ............................................... -ONumber Shares Authorized ...................... 1,642 Number Shares Outstanding .................... 1,641 Preferred Stock ............................................. -0Common Stock ............................................ 164 Surplus ...........................................................33 Undivided Profits .......................................... 172 Reserve for Loan Losses .............................. -0Total Equity Capital. ...................................... -0Subordinated Debt ...................................... .471 DIRECTORS: Richard Adkisson, Howard Cockrill, Andrew Collins, Somers Collins, Jerry Glenn, Jr., Justin Glenn, Everett Hall, Jr., Lila Horner, David Matthews, Hal Matthews, Justin Mathews, Ill, James Simpson, Jr. "Designates Chief Executive Officer Seventy-Third Report SEVENTY-THIRD REPORT showing THE CONDITION OF THE 3 ARKANSAS STATE-CHARTERED ACT Ill INDUSTRIAL LOAN INSTITUTIONS (Not engaged in commercial banking) ASSETS AND LIABILITIES ARE AS SHOWN BY THE CALL OF JUNE 30, 1987 113 State of Arkansas: 114 Bank Department SOUTHERN CREDIT CORPORATION 226 S. Olive Hot Spring County P.O. Box 400 Zip Code: 72104 Population: 10,163 Charter Date: October 9, 1959 Branches: O City: Malvern Charter Number: 1000 Telephone: 332-2462 Bank Holding Company Affiliate: None W. H. McCLURE LAYNE SPARKS GEORGE L. McCLURE PRESIDENT EXEC. VICE PRESIDENT TREASURER Total Assets ............................................ 10,847 Loans, Net. ................................................4,241 Securities ................................................. .4,812 Interest Bearing Balances ............................973 Total Deposits ........................................... 9.433 Number Shares Authorized ....................30,000 Number Shares Outstanding .................. 11,350 Preferred Stock ............................................. -0Common Stock ............................................ 227 Surplus .........................................................608 Undivided Profits .......................................... 508 Reserve for Loan Losses ............................... 92 Total Equity Capital.. ................................. 1,343 Subordinated Debt ........................................ -0- DIRECTORS: W. H. McClure, Layne Sparks, George L. McClure, Sr., Dr. A. J. Wilks, Frank McClure, Nancy York, Vance Jernigan, James C. Cole •Designates Chief Executive Officer HALLMARK LOAN AND INVESTMENT CORPORATION 305 East Broadway Pulaski County P.O. Box 5821 Zip Code: 72119 Population: 64,41g Charter Date: October 21, 1927 Branches: 0 City: North Little Rock Charter Number: 1001 Telephone: 376-3523 Bank Holding Company Affiliate: None *A. J. GORNATTI POLLY A. REDMOND KAREN L. CALDWELL Total Assets ..............................................9,804 Loans, Net.. ...............................................7,654 Securities .....................................................500 Interest Bearing Balances ............................ 100 Total Deposits ........................................... 8,952 Number Shares Authorized ...................... 1,000 Number Shares Outstanding ....................... 258 PRESIDENT/CHAIRMAN OF BOARD VICE PRESIDENT/SECRETARY ASS'T. VICE PRESIDENT/LOAN ACCTG. Preferred Stock ................................................3 Common Stock ............................................ 258 Surplus .........................................................279 Undivided Profits .......................................... 178 Reserve for Loan Losses ............................... 24 Total Equity Capital... ................................... 718 Subordinated Debt ........................................ -0- DIRECTORS: A. J. Gornatti, William Brandon, John Jaoobs, Dorrance A. Williams •Designates Chief Executive Officer Seventy-Third Report 115 NATIONAL CREDIT CORPORATION 120 West 5th Ave. P.O. Box 6208 Jefferson County Zip Code: 70601 City: Pine Bluff Charter Number: 1002 Telephone: 541-8165 Population: 63,000 Charter Date: April 13, 1941 Branches: O Bank Holding Company Affiliate: Worthen Banking Corporation *JAMES F. STOBAUGH BARBARA HORNER Total Assets .................................................332 Loans, Net......................................................34 Securities ...................................................... -0Interest Bearing Balances ............................ 115 Total Deposits ............................................... -0Number Shares Authorized .................... 10,000 Number Shares Outstanding ....................6,250 PRESIDENT ASST. SECRETARY Preferred Stock ............................................. -0Common Stock ............................................ 125 Surplus ...................................................... 1,125 Undivided Profits ....................................... (959) Reserve for Loan Losses ...............................37 Total Equity Capital.. ....................................291 Subordinated Debt ........................................ -0- DIRECTORS: M. Morrell Gathright, Kenneth Glover, Dr. Raymond Irwin, Simon Joseph, George Makris, James T. McFall, George E. Puddephatt, Walter Simpson, William Southard, James Stobaugh, D. Mark Vanderpool "Designates Chief Executive Officer 116 State of Arkansas: Bank Department SEVENTY-THIRD REPORT showing THE CONDITION OF THE 1 NON-PROFIT ORGANIZATION (Not engaged in commercial banking) ASSETS AND LIABILITIES ARE SHOWN BY THE CALL OF JUNE 30, 1987 Seventy-Third Report 117 ARKANSAS CAPITAL CORPORATION 800 Pyramid Place Pulaski County Zip Code: 72201 City: Little Rock Charter Number: None Telephone: 374-9247 Population: 175,000 Charter Date: August 6, 1958 Branches: 0 Bank Holding Company Affiliate: None *WILLIAM T. STAED PATRICK C. KOCH GEORGE H. EAGEN GEORGE E. CAMPBELL LEONARD L. HAMPSON GARY E. DUNCAN Total Assets .............................................. 9,132 Loans, Net. ................................................ 6,726 Securities .................................................. 1,069 Interest Bearing Balances ......................... 1, 171 Total Deposits .............................................. NIA Number Shares Authorized ...................... 2,500 Number Shares Outstanding .................... 1,095 PRESIDENT CHAIRMAN EXEC. VICE PRESIDENT/SECT'YTREASURER ASST. SECrY-TREASURER VICE PRESIDENT VICE PRESIDENT Preferred Stock ............................................. -0Common Stock ............................................ 11 O Retained Earnings ....................................3,482 Reserve for Loan Losses ............................ .400 Total Equity Capital ...................................3,592 Subordinated Debt ........................................ -0- DIRECTORS: George E. Campbell, Wallace B. Cunningham, Patrick C. Kock, Wayne Clark, Don Pattillo, William T. Staed, Gary E. Duncan, Robert Pruitt EX-OFFICIO DIRECTORS: Wooten Epes, David Harrington, John W. Ahlen, Ph.D. "ll<>signates Chief Executive Officer
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