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Bank of the Ozarks Having a Hot Time in Chicago

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Steve Daniels, a senior reporter with Crains Chicago Business, reported last month on how developers of Chicago's "splashiest commercial real estate projects" are getting their loans and financing from an inconspicuous source: Bank of the Ozarks of Little Rock.

Daniels spoke with the bank's CEO George Gleason about the amount of risk being taken to fund nearly a billion dollars worth of commercial projects in the Windy City.

The Arkansas lender has locally based competitors chattering privately about its being willing to “stretch” to beat larger rivals or ones with local relationships.

Gleason is forceful in rebuttal. “We never reach,” he says. “We are very conservative. If someone says we reach on a transaction, I think that’s very unlikely. I see every credit.”

Of about 3,000 real estate loans the bank’s commercial real estate team has made in the past 14 years, two resulted in losses, he says.

Where Bank of the Ozarks unquestionably takes risks is in its exposure to single projects. It almost always is the sole lender on a deal that even massive banks like Chase will ask other banks to share in. Bank of the Ozarks is the sole financier of the $203 million loan just announced for the 76-story One Grant Park apartment tower, 1200 S. Indiana Ave., developed by Miami-based Crescent Heights. It also is supplying the entire $233 million loan to John Buck Co. to construct CNA’s new building at 151 N. Franklin St.

You can read the complete story in this week's print edition of Arkansas Business or online at Crain's Chicago Business.


Robert Hopkins Steps Up at Little Rock Branch of Federal Reserve (Movers & Shakers)

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Robert Hopkins has been promoted to regional executive and senior vice president of the Little Rock Branch of the Federal Reserve Bank of St. Louis.

He previously was vice president and regional executive of the branch. The Little Rock Branch serves most of the state, except northeast Arkansas.


Herbert Austin has been named active regional administrator at the U.S. Small Business Administration for the south-central region, which includes Arkansas, Louisiana, Texas, Oklahoma and New Mexico.

In addition to his regional administrator duties, he will continue to serve as the SBA’s Dallas/Fort Worth district director, a position he has held since 2008.

He will lead 10 district offices in the delivery of SBA’s financial, entrepreneurial development, government contracting and international export services. He will also oversee a network of small-business counselors assigned to Small Business Development Centers, Score Offices, Women’s Business Centers and Veteran Business Outreach Centers throughout the south-central region.


Clint McBryde has been promoted to vice president of operations at FNBC Bank in Ash Flat. He previously was assistant vice president at the bank.

McBryde began his banking career with FNBC in early 2014 as the deposit operations team leader, and was promoted to assistant vice president in July.


LaBroderick Standokes and Zhongshi Chen have been hired as staff accountants at McIlroy Keen Goodman LLP in Little Rock.


See more of this week's Movers & Shakers, and submit your own announcement at ArkansasBusiness.com/Movers.

Texarkana Convention Center Could Soon Change Hands

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A little update now on the case of Dr. Hiren D. Patel, doctor at the center of a controversy over dueling convention centers on both sides of Texarkana.

Patel owns Texarkana Hotels LLC that in turn owns the combination 27,000-SF, $18 million Arkansas Convention Center and Holiday Inn on the Arkansas side. The center and hotel opened in 2013, about a year after a convention center on the Texas side of the city.

Texarkana Hotels filed Chapter 11 bankruptcy in March in the Eastern District of Texas. It claimed between $1 million and $10 million in assets and liabilities and between one and 49 creditors.

Among those creditors is Midsouth Bank of Lafayette, Louisiana. Midsouth filed a foreclosure petition in Miller County Circuit Court in October 2015 against Patel, his wife and Texarkana Hotels, saying the Patels had defaulted on more than $10 million in loans used to build the convention center.

Now, Texarkana Hotels has entered into a $6.6 million purchase agreement with James J. Naples, according to a Jan. 30 Bankruptcy Court filing, and will be seeking the court’s approval of the sale. If approved, the sale will close by March 15.

Naples also bought the Country Inn & Suites, owned by Patel and his wife, Dineschandra, through their Krishna Associates LLC. That company filed for Chapter 11 bankruptcy reorganization in November, when it listed $5.3 million in debts and $3.2 million in assets. The filing halted the foreclosure sale of Country Inn & Suites.

Naples paid $2.9 million for the hotel, with the money going to Midsouth.

Midsouth was also seeking payment from the Patels, who personally guaranteed the debts, but that has been slowed by their personal bankruptcy filing.

Patel’s lawyer, Bill F. Payne of Dallas, hadn’t called back by press time.

Arkansas Business Recognizes Finalists of 29th Annual Business of the Year Awards

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Since 1988, Arkansas Business has honored the state's top executives, small businesses and nonprofits with the annual Arkansas Business of the Year Awards. Readers make nominations and an independent panel of judges selects the winners.

The winners will be announced at a special banquet Thursday at the Statehouse Convention Center inside the Wally Allen Ballroom. The reception begins at 6 p.m. with dinner starting at 7 p.m. Tickets can be purchased by calling Leslie Gordy at (501) 372-1443, ext. 336; clicking here for the online form or by contacting Events@ABPG.com.

Click on the links below to read profiles of each of this year's finalists, or go here to see the special section and find past finalists and winners.

Business of the Year: Category I (1-25 employees)
Sponsored by: CJRW

Business of the Year: Category II (26-75 employees)
Sponsored by: CJRW

Business of the Year: Category III (76-300 employees)
Sponsored by: CJRW

Nonprofit Organization
Sponsored by: AT&T

Nonprofit Executive of the Year
Sponsored by: AT&T

Business Executive of the Year
Sponsored by: Centennial Bank

Smart Corporate Giving Awards
Presented by: Arkansas Community Foundation

Venture Center's 2017 FinTech Accelerator Nets 295 Applicants

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The Venture Center of Little Rock on Wednesday said 295 entrepreneur and startup teams have applied for its 2017 FinTech Accelerator, twice the number that applied for the inaugural program held last year. 

Participants chosen for the program will work on their businesses with senior executives of global banking technology services provider FIS of Jacksonville, Florida, attend an FIS conference and interact with the FIS API Gateway technology. 

The Venture Center said applicants came from all over the U.S. and around the world, including India, the Philippines, the United Kingdom, Kenya, Nigeria, Columbia and Mexico.

The accelerator, extended until 2018 to the tune of $2 million, is being funded with $500,000 each from FIS and Arkansas discretionary funds. Feb. 6 was the application deadline.

The program begins May 8. A kick-off open to the public is set for May 11, and a demo day is scheduled for July 27.

The Venture Center said that, over the next 60 days, it will be conducting interviews to narrow the applicant field and then begin due diligence on promising companies. 

The Venture Center also announced recently that FinTech 2016 Alum, Akouba of Chicago, has been endorsed by the American Bankers Association. The company offers a cloud-based underwriting platform for lending by community and regional banks to small businesses.

Collision Center Buy Tops $2.5 Million (Real Deals)

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The Landers Collision Center in west Little Rock weighed in at $2.57 million.

LLArk Properties LLC of St. Louis Park, Minnesota, purchased the 40,000-SF facility at 10005 Col. Glenn Road from Aimco Equipment Co. LLC, led by Frank, Herren and Todd Hickingbotham.

Aimco acquired the 3.93-acre development for $1 million in June 2000 from Riverport Equipment & Distribution Co., led by Larry Hodges.

Suites Sale
A 48-room motel in North Little Rock changed hands in a $2.21 million transaction.

Prestige Hospitality LLC, led by Nirav Patel, bought the Comfort Inn & Suites at 5710 Pritchard Drive. The seller is PNN LLC, led by Nayan Nagin.

The deal is backed with a $1.98 million loan from Bancorp Bank of Wilmington, Delaware.

The 2.7-acre development previously was tied to an August 2012 mortgage of $1.2 million held by First Security Bank of Searcy.

The location was purchased for $180,000 in September 1998 from FSC Properties LLC, led by Will Pritchard.

Mini Transaction
A 358-unit mini-storage project in Cabot tipped the scales at $1.6 million.

Tabot LLC, led by Terry Bean, acquired the 3210 E. Cleland Road project. The seller is D&S Mini Storage LLC, led by Donald and Sharon Wood.

The deal and expansion of the 4.8-acre development are financed with a five-year loan of $2.3 million from Little Rock’s Bank of the Ozarks.

The land was acquired for $50,000 in April 1998 from W.B. and Freda Westbrook.

Tabot also bought a 1.4-acre parcel across the street for $130,000 from First Community Bank of Batesville.

The bank recovered the property, which was tied to $220,000 of debt, in January 2016 from Kenneth and Cindy Flesher in the aftermath of their bankruptcy.

Acupoint Purchase
An 11,524-SF office building in midtown Little Rock sold for $575,000.

Acupoint Enterprises LLC, led by Martin Eisele, bought the Evergreen Professional Building at 2 Van Circle. The seller is R.T.R.A. LLC, led by Ron Lazenby.

The 0.79-acre development previously was tied to a May 2011 mortgage of $700,000 held by BancorpSouth Bank of Tupelo, Mississippi.

The project was purchased for $850,000 in May 2008 from William and Deborah Goolsby.

Industrial Deal
A 22,910-SF warehouse facility in downtown Little Rock rang up a $513,000 transaction.

Haybar Properties LLC, led by Bryan Hosto, acquired the Joint Clutch & Gear project at 813 Spring St. from the James H. Stevens Trust and the Ellen S. Baldwin Trust.

The 0.73-acre property was assembled in three deals totaling $89,000. The sellers were Emmet Morris, $9,000 in July 1945; Sophia Lewandoski, $25,000 in April 1957; and James and Mary Jane Madigan, $55,000 in December 1959.

Historic Acquisition
A 4,296-SF historic building in downtown North Little Rock is under new ownership after a $430,000 sale.

Regal Beagle Holdings LLC, led by Allen Engstrom, purchased the 216 W. Fourth St. project to support the expansion of the CFO Network. The seller is the city of North Little Rock.

The 0.51-acre development is helping secure a 25-year loan of $1.7 million from Regions Bank of Birmingham, Alabama.

The city acquired the property for $12,650 in August 1943 from Alma Manees.

Collegiate Acreage
A 140-acre tract in southwest Little Rock drew a $250,000 transaction.

Ridgewood Timber Corp., led by Derrick Spinks, bought the land at the southwest corner of Geyer Springs and Mabelvale Cut Off roads from Hendrix College in Conway.

The deal is funded with a one-year loan of $250,000 from First Community Bank.

H.F. Buhler donated the property to Hendrix in November 1961.

Union Hall Buy
A 2,880-SF union hall in downtown Little Rock changed hands in a $112,000 deal.

Haybar Properties LLC acquired the 0.16-acre development at 415 W. 12th St. from Sheet Metal Workers Local 36 Building Co. of St. Louis.

The property was bought for $30,000 in July 1970 from the Geyer Springs Congregation of Jehovah’s Witnesses.

Fontenay Manor
A 5,591-SF home in the Fontenay Circle neighborhood of west Little Rock’s Chenal Valley development sold for $900,000.

Steven and Melinda Spaulding purchased the house from the Brian Douglas Noland & Ann McKenzie Noland Revocable Trust.

The deal is backed with a 30-year loan of $417,000 from Simmons Bank of Pine Bluff. The residence previously was linked with a July 2012 mortgage of $340,000 held by First Security Bank.

The Nolands acquired the property for $730,000 more than four years ago from Stephen and Ashley Peeples.

Overlook Transaction
A 5,397-SF home in Little Rock’s Overlook Park neighborhood rang up an $843,400 transaction.

Randall and Leisa Pulliam bought the house and an adjoining lot from L.A. Kinnaman Jr. and his wife, Margaret.

The deal is financed with a 15-year loan of $417,000 from One Bank & Trust of Little Rock.

The homesite was acquired for $120,000 in April 1996 from Peggy Messer. The neighboring lot was purchased for $100,000 in June 1998 from Edgar Hoffman Jr. and his wife, Barbara.

Heights House
A 3,085-SF home in the Heights area of Little Rock is under new ownership after a $660,000 sale.

Vanessa Weiss and Paul Donagher acquired the house from Andrew Mentzer Sr. and his wife, Katherine.

The deal is funded with a 30-year loan of $528,000 from Capital One of McLean, Virginia.

The property was bought for $250,000 in September 2006 from John and Sara Brennan.

Deauville Abode
A 5,078-SF home in the Deauville Place neighborhood of west Little Rock’s Chenal Valley development drew a $590,000 transaction.

The David Matthew West Revocable Trust and the Ashley Fuller West Revocable Trust purchased the house from Srinivasan Ramaswamy and Roopa Ram.

The deal is backed a one-year loan of $623,417 from Simmons Bank.

The residence previously was tied to September 2012 mortgages of $417,000 and $89,100 held by Metropolitan National Bank of Little Rock.

The property was acquired for $633,000 more than four years ago from Chad and Lacy Matone.

Witry Residence
A 4,795-SF home in the Witry Court neighborhood of west Little Rock’s Chenal Valley development changed hands in a $535,000 sale.

Adam and Courtney Head bought the house from the Angela R. Aduddell Living Trust.

The deal is financed with a 30-year loan of $417,000 from First Arkansas Financial Inc. of Sheridan. The residence previously was linked to August 2012 mortgages of $417,000 and $100,500 held by Metropolitan National Bank.

The property was purchased for $575,000 more than four years ago from Mark and Susan Freeman.

Seven-Digit Construction

Mixed-Use Redevelopment    $7,000,000
1300 E. Sixth St., Little Rock
Central Construction Group, Little Rock
 
Fletcher Library Renovation & Addition    $2,700,000
823 N. Buchanan St., Little Rock
Baldwin & Shell Construction Co., Little Rock

Searcy Upgrades Infrastructure for Chance at New ‘Power Center’ for Shopping

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Public, private and public-private developments representing tens of millions of dollars in construction are in motion in Searcy. Three projects highlighting each category alone tally more than $42 million.

The biggest is a $30 million menu of municipal construction work supported by a 1.5 percent sales tax. The 10 line items are part of an eight-year plan to upgrade city infrastructure, facilities and services projected to cost $51.2 million.

In a public-private effort, civic leaders hope that the third time proves to be the charm for a proposed retail development on the eastern edge of Searcy, a project that has drawn interest since 2011.

Last summer, the city agreed to provide about $2 million to help pay for site improvements to support the Searcy City Center at the southwest corner of Beebe Capps Expressway and U.S. 67-167.

“We are committed to do that and will do that, but not until they begin construction of the shopping center,” said Mark Lane, city engineer.

Projections indicate the city would recoup its infrastructure investment in five years through increased sales tax revenue generated by the new stores.

The tenant roster includes a 55,000-SF Hobby Lobby, a 20,000-SF T.J. Maxx, a 12,500-SF Petco, a 10,000-SF Shoe Carnival and a 10,000-SF Ulta Beauty.

First-phase construction of the power center is estimated at $11 million. Plans envision the 25-acre site as home to a 108,000-SF center plus additional space on six outparcels. More land for a smaller second phase and more outparcels are on the drawing board.

“There’s a ton of interest on the outparcels,” said Drew Holbert, vice president of brokerage with the Little Rock office of Colliers International, which is marketing the outparcels. “But until they know the big development is happening, they’re not wanting to talk about making a deal. That will change when dirt starts turning.”

Carter Cooper, the point man on the proposal for Capital Growth Buchalter Inc. of Birmingham, Alabama, couldn’t be reached for comment.

“It’s still ongoing and that sort of thing,” said Buck Layne, president of the Searcy Chamber of Commerce. “They’re talking about starting construction in April now. That’s the last update I have.”

The Robbins Sanford Mercantile in downtown Searcy comes under the heading of something old made new. The $1.2 million renovation of the 108-year-old building at 118 N. Spring St. is nearing completion.

“It’s been a humongous project with it being an old building,” said Mat Faulkner, president and creative director of Think Idea Studio. “We’re pushing hard to get the furniture moved in by the end of this month. We’re shooting for a March 21 grand opening.”

Faulkner’s 10-member advertising firm is moving into the building as part of converting the second floor into office space. Joining Think Idea Studio upstairs is the Edward Jones investment office of Robert Ross, and another slot is for rent.

Downstairs is home to Irby Dance Studio, the Robbins Sanford Grand Hall events center and part of the adjoining operations of The Boutique.

The mezzanine level is gone in favor of transforming the former retail establishment into a two-story, 20,000-SF mixed-use project.

“The building itself has huge significance, not just for Searcy but the region,” Faulkner said. “It was like the Wal-Mart of its day. We’re just tickled to death to retain as much of the original building as we could.”

He bought an 81 percent stake in the project for $535,000 in August 2014 from Stuart Dalrymple, a local real estate businessman who started the redevelopment ball rolling.

Dalrymple explored the idea of developing apartments upstairs to complement businesses below but couldn’t make the numbers work.

“Retaining as much of the history as possible while adding the modern to it, that’s been the challenge,” Faulkner said.

Touted as the largest mercantile between St. Louis and Little Rock, Robbins Sanford once offered carriages as part of its wide array of merchandise, building them on a second floor serviced by a freight elevator.

Public Sector
The three largest line items funded by Searcy’s eight-year tax plan are $12 million in street work, $9 million in drainage improvements and $5.1 million for a new pool complex, which should be finished by late summer. There’s discussion about building a new library on the site of the current city pool.

Some of the street and drainage work is in conjunction with the Arkansas Highway & Transportation Department completing a western loop around Searcy. The first piece of the project, a 5-mile extension of Highway 13 north from Highway 267 to Highway 36, opened last summer. Price tag: $16.4 million.

A 4.2-mile stretch from Highway 16 north to Judsonia should be completed in the first quarter of 2018 at a cost of $16.2 million. The $11.4 million middle portion, 3.7 miles between Highway 36 and Highway 16, is expected to open next summer.

In addition to helping traffic flow, the loop project will open new possibilities for park development along the Little Red River, as well as other recreational options.

“Searcy has a lot of really great things going for it,” said Dalrymple. “We’re trying to focus on what we do have. If someone wants to come here and bring jobs here, what does Searcy have to offer in terms of quality of life?

“We’re trying to put everything in place where we can bring jobs to this community to help it grow. All these other things are pieces that help us promote the city and be progressive.”

Searcy Building Permits

  2016 2015 2014 2013 2012
Commercial* $19,762,486 $15,789,435 $4,747,093 $19,854,394 $17,732,491
Single-Family** $9,557,035 $8,664,133 $9,091,381 $10,600,558 $11,295,150
Church/School# $7,481,117 $7,027,763 $438,000 $7,287,316 $23,551,589
Apartments $3,339,000 $140,000 $4,426,521 $4,747,450 $328,000

*Includes new, expanded, renovated and remodeled retail, office, warehouse, industrial and healthcare space.
**Includes new homes and residential additions, renovations and remodels.
#Includes K-12 and college construction.
Source: City of Searcy

Biggest Deals in Arkansas Rise 11 Percent in 2016

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Both the value and the volume of mergers and acquisitions in Arkansas rose last year, with the value increasing 11 percent to $9.8 billion and the volume rising 10 percent to 92.

Those big deals — those valued at $9 million or more — also reflected a striking diversity of sectors, ranging from retail and telecommunications to energy, banking and health care. And, as always, big real estate transactions peppered the list.

The $9.8 billion is the total value of those 56 deals whose values were announced or could be learned; the value of 36 of the 92 transactions believed to be above $9 million couldn’t be determined. In addition, not all companies report all transactions.

The biggest deal in 2016 was the purchase by Wal-Mart Stores Inc. of online retailer Jet.com for $3.3 billion. The deal, announced in August, was another in a long line of attempts by the Bentonville behemoth to compete with Amazon. “We’re serious about e-commerce and want to serve customers in the way that they want to shop,” Wal-Mart CEO Doug McMillon said about the buy.

Wal-Mart’s shopping spree has continued into 2017. Jet, through Wal-Mart, bought ShoeBuy, a leading online footwear and clothing retailer, for $70 million in a deal that closed on Dec. 30, 2016, according to the retailer, but that wasn’t announced until after the first of the year. And in a deal announced just last week — and therefore not included on the 2016 list — Wal-Mart bought Moosejaw, an outdoor clothing and gear seller, for $51 million.

Windstream’s $1 billion merger with EarthLink Holdings Corp., an IT services and communications provider based in Atlanta, was the second-largest deal last year, while Murphy Oil Corp.’s $744 million sale of a 5 percent stake in Syncrude Canada was No. 3.

Arkansas Business’ biggest deals list frequently includes a few surprises, mergers and acquisitions that went through largely unnoticed by the press, and this list was no different. In December, private equity firm Charlesbank Capital bought Vestcom Parent Holdings Inc. of Little Rock, parent company of Vestcom International, paying $375 million to Court Square Capital Partners, another private equity company.

Not much is likely to change, said Jeff Weidauer, vice president of marketing and strategy of Vestcom. “We’re private-equity backed. We have been for many years,” he said. “And this is a typical order of events. Normally a private equity company like this will go from one investor group to another every three to four to five years. And so this is just sort of the natural course of events for us.”

Vestcom, which has 300 employees in Arkansas and 800 total nationwide, calls itself “the leading shelf-edge marketing services firm in the industry, which is sort of a fancy way of saying that we provide shelf-edge pricing and marketing materials for most of the major food and drug retailers in the U.S.,” Weidauer said.

Vestcom reported revenue of $275 million in 2015.

Big Year Globally
Worldwide, 2016 saw $3.7 trillion in M&A activity, a 16 percent decrease compared with 2015. However, 2015 had been a record year for mergers and acquisitions, and last year’s activity was still the “third largest annual period for worldwide deal making since records began in 1980,” according to Thomson Reuters, the business information company based in New York.

The volume of deals globally rose 1 percent in 2016, to 46,055 announced transactions.

As in Arkansas, deal-making worldwide was spread throughout business sectors. “Six of 12 major industry sectors each accounted for at least 10% of full year M&A, the most balanced annual sector breakdown since records began in 1980,” Thomson Reuters said in its 2016 “Mergers & Acquisitions Review.”

In the United States, M&A activity fell 17 percent in 2016 compared with 2015, to $1.7 trillion.

The biggest deal in the U.S. announced last year was the $85.4 billion purchase by AT&T of Time Warner. However, the deal drew criticism on the campaign trail from then-candidate (now President) Donald Trump, who said the merger would result in “too much concentration of power in the hands of too few.” The U.S. Justice Department is reviewing the deal.

And in the fourth quarter of 2016, deal-making picked up momentum, with the value of worldwide M&A announced rising 50 percent compared with the third quarter. “Seven of the top 10 deals announced during full year 2016 were announced during the fourth quarter,” the Thomson Reuters review noted.

Arkansas Energy, Banking
Murphy Oil appears several times on the list as the El Dorado company sought last year to improve its balance sheet after a net loss of $2.27 billion in 2015. Last month Murphy Oil announced a full-year 2016 loss of $276 million, and its CEO, Roger W. Jenkins, said, “2016 was a year of improving the company’s North American onshore portfolio while surviving one of our industry’s worst commodity price collapses.”

A number of banking deals also made the list. The largest, at $567.5 million, is the purchase by Simmons First National Corp. of Southwest Bancorp of Stillwater, Oklahoma. The acquisition will allow Simmons, based in Pine Bluff, to enter the Oklahoma market.

As it had in 2015, McLarty Automotive remained in a buying mood in 2016, purchasing from Asbury Automotive in Atlanta five dealerships and two collision centers in central Arkansas, paying $41.5 million for the real estate alone, and $10.3 million for real estate associated with two other central Arkansas automotive dealerships.

Real estate transactions also figured prominently on the list, including a couple of shopping centers: the Northwest Arkansas Mall in Fayetteville ($39.5 million) and McCain Plaza in North Little Rock ($23.2 million).

No values were readily available for a number of deals, but they’re intriguing nonetheless for how they might affect the future of the buyers.

For example, Hugg & Hall Equipment of Little Rock bought RPM Services & Rentals of Houma, Louisiana, one of the largest independent equipment rental companies in the Southeast. Stephens Inc. of Little Rock, financial adviser to Hugg & Hall for the transaction, said the deal “supports Hugg & Hall’s strategic objectives in South Louisiana and increases Hugg & Hall’s footprint to 15 stores, positioning the Company to capitalize on favorable industry and regional trends.”

And the purchase by Harrison French & Associates of Bentonville of Allevato Architects of Franklin, Massachusetts, gives HFA, whose specialty is retail design — including for Wal-Mart, Walgreens, 7-Eleven, Subway and Sonic — a presence in the Northeast.

Volatility, Then & Now
The mergers and acquisitions message in 2017 is shaping up to be much the same as in 2016: volatility.

That’s the take of Marshall McKissack, the head of mergers and acquisitions at Stephens. “There was quite a bit of volatility,” he said. “Early in the year, it had to do with interest rates. I think everybody’s familiar with the volatility that we saw politically and geopolitically — really, across the globe, whether it was the U.S. elections or Brexit or currencies moving because of those things or constitutional reform in Italy.

“Uncertainty creates risk and volatility, and to me, that was probably one big trend.

“But underlying all of that, there continues to be a real basis for merger and acquisition activity,” McKissack said, and that goes back “to the tremendous amount of capital available, the capital is still relatively cheap, and buyers, whether they’re strategic or financial buyers, are still looking to put that capital to work at a return.

“On the strategic side, growth is still valued at a premium. M&A is a way to check a lot of those boxes. Those underlying trends continued in 2017. The fourth quarter was certainly a much better quarter, a lot of momentum. And a lot of momentum continues in the first quarter.”

As for this year, “the underlying themes or trends are still intact,” McKissack said. “I still expect there’s going to be some volatility around the geopolitical environment, whether it’s U.S., Europe, Asia, other places. That can create some uncertainty.”

However, he said, the new presidential administration and Congress, with a message of less regulation, lower taxes and changes in trade agreements, can create a positive environment for deal-making — or not, depending on where a company stands on those regulations.

These traditionally business-friendly attitudes are likely to propel M&A activity this year, McKissack agreed.

“I think you’ve seen it in the financial institution, bank market post-U.S. elections,” he said, noting a big improvement in stock prices of publicly traded companies. “And they’ve used that increased stock price and availability of capital to do deals in the back half of the fourth quarter, and we’ve certainly seen that trend in the first quarter, so for sure it’s going to drive M&A.”

“I think we’re still generally very positive and optimistic,” McKissack said. “Our business was a big year-over-year improvement in the fourth quarter, and we’re generally busy across all of our industry groups in the first quarter, so [there’s] a tremendous amount of activity and excitement in the M&A markets and we’re looking for a positive 2017.”


Southern Bancorp CEO Takes Care of Personal Tax Lien

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John T. Olaimey, the president and CEO of Southern Bancorp Bank of of Arkadelphia, quickly paid a federal tax lien that was slapped against him last month. 

The amount?

$46,341.

The IRS also named his wife, Timothy, in the lien that was filed with the Pulaski County Circuit Clerk’s office and said the unpaid assessment was for the 2014 tax year.

Olaimey came to Southern in 2012 with more than 20 years of experience in banking, finance, corporate law and executive management, according to Southern’s website. Olaimey oversees all bank activities.

Southern Bancorp Inc. CEO Darrin Williams told Arkansas Business last week that the board knew about Olaimey’s tax situation.

"He has been completely transparent with the board," Williams said. "This has involved only his personal financial situation and has had no impact or risk to the bank. We’ve monitored this and have been pleased that he has resolved it."

Williams said the full payment to the IRS was made on Feb. 3. 

This isn’t the first time, though, a federal tax lien has been filed against the Olaimeys.

In 2014, the IRS hit the couple with a nearly $28,000 lien for failing to pay taxes in 2009, 2011 and 2012. The IRS released that lien last March, saying the outstanding tax debt had been "satisfied."

SPONSORED: Credit Cards For Your Business: Which Type Is Right For You?

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Running your small business comes with a lot of expenses and, while you have a personal credit card, you may wonder if using a credit card for your business is a good choice. As a small business owner you may need an option to allow employees the ability to travel and make everyday business purchases as necessary. Rewards like travel points and cash back are also great perks, especially if your business requires frequent traveling. Business credit cards can be an indispensable resource for small business owners when used wisely.

There are many options today — from business cards (also called small business cards) to purchasing cards. What exactly is the difference and which card is right for you? All are considered commercial cards, and that term can be used interchangeably when referring to each, but there are significant differences to each.

Small business credit cards

Small business credit cards give employees the freedom to make company-related purchases, while allowing the employer to oversee the spending by setting spending limits and purchasing restrictions on the accounts. These cards are beneficial for businesses that may not need an expense-reporting system with a lot of extra features, but simply need to manage their expenses online and in real-time.

The range of businesses and organizations that use a business credit card is endless. Small businesses, churches, organizations and associations can all benefit from this type of payment solution.

Purchasing cards

A purchasing card is a different type of commercial payment solution that is ideal for businesses that require more advanced online functionality. Public and private school systems, municipalities or construction companies are examples of businesses that may typically use this type of system.

When a purchasing card is used, additional information regarding the transaction may be shared with the business owner, such as how many gallons of gas were purchased and the price per gallon. In addition, each company can set specific requirements or limitations for the various cards, such as purchasing restrictions. Purchasing card systems allow the cardholders to create an online expense report with receipt-attachment capabilities and also have the ability for the transaction information to integrate with the businesses accounting system.  

Make sure it’s a good fit

In addition to determining which type of card you need, business owners should research interest rates and the repayment period. How many days after the billing cycle ends is payment due — 10 days, 15 days, 25 days? Also be sure to ask what fees are associated with the card program, such as annual card fee, or a fee for online access. With numerous card options, and the ability to customize a business’s needs, small business owners can ensure they choose the best option by consulting their bank’s commercial credit card specialist.

 

US Chamber, French Hill: Less Regulation Will Boost Economic Growth

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The American economy is growing too slowly because regulations designed for international financial institutions have been imposed on smaller banks that pose no grave threat, U.S. Rep. French Hill, R-Arkansas, and Tom Quaadman, executive vice president of the U.S. Chamber Center for Capital Markets Competitiveness, told business leaders in Little Rock on Tuesday.

The event held at the Little Rock Regional Chamber was co-hosted by the Arkansas State Chamber of Commerce.

Quaadman and the congressman said policies in play since the Great Recession, and even before, have effectively cut off traditional means of financing for small businesses and need to be updated. Policies implemented post-recession were aimed at stabilizing the economy, but a stable economy is a growing economy and ours isn't growing enough, Quaadman said. 

Solutions discussed at the roundtable included requiring an economic analysis of any new regulation, the planned reintroduction of the Financial Choice Act, a more robust JOBS Act, tax reform and a gradual increase in interest rates by the Federal Reserve Bank. All of the above would, the speakers said, encourage banks to lend to small and growing companies.

Hill said the banking industry has $2 trillion in excess reserves, compared to $1.7 billion before the recession, but it's not being spent on the capital formation or business activity.

Quaadman launched the event by telling those gathered that economic growth over the last eight years has been 1.5 to 2 percent, when the norm in the 1980s and 1990s was 4 percent.

“Instead of determining policies that grow the pie, we’ve had a series of policies that have forced everybody to sort of decide how you continue to divide a shrinking pie, and that’s not really where we should be as a country,” he said.

Quaadman said the current growth rates are enough to stave off another recession but are not enough to create good-paying jobs that are needed.

Hill added that, although the national unemployment rate is low, 15 million people are “underemployed” and that rate is 6-7 percent. He also said major metropolitan areas have been doing well but “flyover country” has not reaped the benefits of the growth the U.S. has enjoyed since the recession ended in 2009.

Hill said the National Association of Counties reported that 93 percent of counties have not recovered from the recession. The congressman then said the Washington Post had reported that half of all business formation occurred in what he called “NFL cities,” with the exception of Austin, Texas. 

Hill also said one issue that needs to be addressed is that it costs a small company about $2 million to go public and $1.5 million-$1.6 million a year to stay public. Those costs need to be lowered, he said. While accelerator programs are great, startups need an initial public offering as an option, Hill said.

Quaadman said the country has less than half the public companies it had 20 years ago and more people are going out of business than are starting a business. 

Hill said the country isn't seeing the investment or capital formation it should and financing corporate expansion only through private equity players doesn't help the economy, although it does support innovation within industries. 

The two men emphasized that financial institutions are less focused on how to be successful and grow than they are on how to keep the regulators in Washington happy. They don't understand some of the more complicated rules and are conservative in compliance to avoid legal pitfalls, they said. 

Slow growth is the result, they said.

Quaadman added that reforms to the regulatory process need to include allowing for more public input. He also said fewer regulators are needed because the number that we have now causes “turf wars.” Regulators may also avoid addressing an issue so they don’t step on toes and an area may not have the oversight needed as a result, Quaadman said.

He provided guests at the roundtable a book produced by the U.S. Chamber’s Center for Capital Markets Competitiveness. Quaadman said it contains more than 100 recommendations to grow the economy compiled from nine months of research.

Speaking specifically about the Dodd–Frank Wall Street Reform & Consumer Protection Act, Quaadman and Hillman agreed that, while some things in it worked, the 2010 law did not fix the underlying causes of the problems it sought to solve. Hillman added that only three new bank charters have been granted since Dodd-Frank, while 100 or more banks were formed on average each year for the three previous decades.

Asked later about reinstating the 1933 Glass-Steagall Act, Hill said actions it prohibited and its repeal were not major contributors to the recession. The congressman also noted that predatory behavior by Wall Street firms is still outlawed by the Bank Holding Act of 1956. 

He said a more thorough look into reform is needed than simply reinstating what the U.S. had before.

Hill also said the Fed owns 40 percent of the world's  U.S. Treasury Agency securities, 15 percent of the world's treasury market and has a $4.5 trillion balance sheet. He said those positions need to change as it gradually increases interest rates. 

Quaadman also said during the roundtable the Consumer Financial Protection Bureau, an independent agency set up by the Dodd-Frank Act, needs to be reformed because it’s not accountable to Congress, it “litigates through press releases” and it’s not clear what issues the bureau is trying to address. He said consumer protection is an important function but the bureau needs to be more transparent and accountable.

He added that some rules for the financial services industry have been adapted from other countries and applied here, with little input from the public, and that needs to change.

Quaadman also said the Obama administration's fiduciary rule, a requirement that all retirement advisers put their client's interests ahead of their own, was a first step toward the federal government taking over the private retirement space. He said it took away people's ability to choose what 's best for them and negatively impacted the ability of small businesses to provide retirement benefits. 

Americans Buy Existing Homes at Fastest Pace in a Decade

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WASHINGTON — Americans shrugged off rising mortgage rates and bought existing homes in January at the fastest pace since 2007. That has set off bidding wars that have pushed up prices as the supply of available homes has dwindled to record lows.

Home sales rose 3.3 percent in January from December to a seasonally adjusted annual rate of 5.69 million, the National Association of Realtors said Wednesday.

Steady job gains, modest pay raises and rising consumer confidence are spurring healthy home buying even as borrowing costs have risen since last fall. Some potential buyers may be accelerating their home purchases to get ahead of any further increases in mortgage rates. With few homes available for sale, buyers are pressured to rapidly close a deal as they find a suitable property.

The typical house for sale was on the market for just 50 days last month, compared with 64 days a year ago. Strong demand is pushing up median home prices, which jumped 7.1 percent from a year earlier to $228,900.

Just 1.69 million homes were on the market nationwide in January, near the lowest level since records began in 1999. It would take just 3.6 months to deplete that supply at the current pace of sales, matching a record low reached in December. Supply is usually equal to about six months of sales in a balanced housing market.

The supply crunch will likely get worse during the upcoming spring buying season, economists say, as demand typically rises by more than supply during that time.

"Relative to the number of households, the number of homes for sale is well through prior historic lows," said Ted Wieseman, an economist at Morgan Stanley. "The level of inventories could be a much bigger challenge moving into much higher sales in the spring and summer."

That, combined with higher mortgage rates, could soon restrain sales.

"We are a bit less gloomy about housing than a couple of months ago but sales will not continue to rise at their recent pace," said Ian Shepherdson, chief economist at Pantheon Macroeconomics.

The bulk of the stronger buying is occurring among higher-priced properties, the NAR said. Sales among homes and condominiums priced at $100,000 and below fell nearly 10 percent in January compared with a year earlier. They rose slightly in the $100,000 to $250,000 bracket and jumped by roughly 20 percent in homes priced at higher levels.

Last year, low mortgage rates helped offset rising home prices. Yet now both are rising.

Mortgage rates have climbed since the presidential election. Investors are anticipating that tax cuts, deregulation and infrastructure spending will accelerate growth and push up inflation. That has caused investors to cut back on their bond holdings, pushing up yields.

The average rate for a 30-year fixed mortgage was 4.15 percent last week, according to mortgage buyer Freddie Mac. While that has dipped since earlier this month, it is much higher than last year's average rate of 3.65 percent.

By some measures, the housing market has fully recovered from the bust that began in 2006. Yet its newfound health is creating its own set of challenges.

In high-demand markets, mostly on the West Coast, homes are being purchased after less than a month on the market, according to real estate brokerage Redfin.

Denver was the fastest market last month, Redfin found, with purchase contracts signed just 23 days after listing for a typical home, far below the 43 days that was typical a year earlier. Seattle was the second fastest, with 26 days on the market, followed by Oakland, at 27 days.

The strength in sales should lift growth going forward, as new homeowners purchase furniture, buy appliances and spend more on landscaping and outdoor equipment. Home sales also tend to spur renovations, which helps to update aging properties and generates additional construction work for the broader economy.

(Copyright 2017 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)

Go Forward Pine Bluff Moves Toward Tax Votes

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A plan to make major improvements to the downtown Pine Bluff area and enhance education is looking toward a sales tax to help fund its numerous recommendations.

Go Forward Pine Bluff is an ambitious, $50 million-plus community revitalization plan with targets ranging from infrastructure improvements to education.

The plan, rolled out in January with input from 100 citizens, aims to address long-standing needs in Pine Bluff, including removing downtown blight, building affordable housing and luring businesses to the area. But it faces the challenge of finding funding through tax revenues in an age in which new taxes are not always popular.

Go Forward Pine Bluff contained 27 separate recommendations when it was unveiled before an overflow crowd of more than 1,000 at the Arts and Science Center for Southeast Arkansas on Jan. 12. There have been further discussions, tweaks and changes since — proponents have since dropped a recommendation to reintroduce the Civil Service Commission — and the next step is a city council vote on a seven-year, five-eighths cent sales tax measure at the council's next meeting March 20.

If the council approves the measure it would go before the voters June 13, said Go Forward Pine Bluff Chair Mary Pringos and Simmons First Foundation Chair Tommy May on Thursday. The Simmons First Foundation conducted a year-long study that led to the creation and recommendation of the Go Forward plan.

"Our efforts … are devoted to getting the tax passed and our meetings are with different groups to ask questions and answer questions," Pringos said.

Some of those questions were heard at Tuesday's city council meeting in which the tax proposal was read. Pringos and May acknowledged that there are tax opponents and tax supporters, both were heard from Tuesday, and said opinions vary depending on with whom one speaks.

But Pringos and May said they were buoyed by the level of interest seen in the turnout for the initial rollout and follow up meeting and expressed confidence that the city council, and then the citizens, would approve the tax measure.

To help ensure a yes vote, Pringos and May said the Go Forward leadership has assured the public that accountability will be built into the plan, "so they can see how they are spending the money." 

Additionally, a resolution was adopted in Tuesday's meeting ensuring the mayor's office and other department heads would be able to conduct a detailed evaluation of current projects to ensure there are no conflicts or overlap.

If the sales tax were approved and the Go Forward plan proceeds, Pringos said, it would necessitate forming a 501 (c) (3) organization, as the funding plan includes public and private money. Go Forward is projected to raise $32 million with another $20 million coming from private donations.

"One of our focus areas was education, so anything going on in that area will have to come from grants we will be able to acquire or donations from our citizens and businesses," Pringos said.Private money could also be used as incentives for businesses to relocate to downtown to help with the revitalization.

The Go Forward Pine Bluff task force is also supporting renewal of a three-eighths cent, county-wide sales tax enacted in 2011 for economic development that is set to expire in 2018. 

Education proposals under the Go Forward plan include an Educational Alliance among the city's three school districts to focus on improving educational performance through proven initiatives that include joint teaching arrangements with teachers from STEM (Science, Technology, Engineering and Mathematics) programs.

Among its other recommendations, Go Forward Pine Bluff includes a redo of city codes and enforcement under a municipal master plan; downtown beautification; creation of a Delta Festival with Delta basketball and baseball tournaments; food trucks; restaurants; a historic district with renovation of certain buildings like the Sanger Theater and Masonic Temple; elimination of residential blight and the creation of living and office space with incentives to draw businesses.

A proposed Innovation Hub would be located in the Arts and Science Center annex in a partnership with the University of Arkansas-Pine Bluff and Southeast Arkansas College.

A related development is the January sale of the historic Hotel Pines, opened in 1913, to the nonprofit group Pine Bluff Rising. Buying, demolishing or repurposing the hotel was one of the Go Forward Pine Bluff recommendations and, though the groups are separate, Pringos said she hoped they could work together and enhance each other.

At the time of purchase, The Pine Bluff Commercial reported that Pine Bluff Rising leaders were investigating the "challenges and opportunities" that may exist within the deteriorating property.

Home BancShares Completes Giant Holdings Inc. Buy

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Home BancShares Inc. of Conway said Friday that it has completed its previously announced acquisition of Giant Holdings Inc. of Fort Lauderdale, Florida.

The company, the parent of Centennial Bank, announced the deal in November. At the time, it was billed as an $88.5 million deal that would push the company beyond the $10 billion-asset mark.

Giant Holdings is the parent of Landmark Bank. The deal officially closed on Thursday.

"The acquisition of Landmark is another example of our ability to make smart, strategic deals that are immediately accretive to diluted earnings per share, book value and tangible book value," Home BancShares Chairman John Allison said in a news release. "This merger provides added shareholder value on day one while increasing our market share in the Ft. Lauderdale area. Jeff Roschman and his great team of bankers are an excellent addition to our Company."

As of January, GHI had about $396.9 million in total assets, $329.4 million in loans, and $302.6 million in deposits. With the completion of the acquisition, the Home BancShares now operates 76 branches in Arkansas, 65 branches in Florida, six branches in South Alabama and one in New York City. 

Under the terms of the agreement, Home will issue about 2.7 million shares of its common stock valued at about $77.5 million as of Thursday, plus about $18.5 million in cash in exchange for all outstanding shares of Giant common stock.

Greg Shaver Leaves Citizens Bank of Batesville After 42 Years (Movers & Shakers)

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Greg Shaver is retiring from Citizens Bank in Batesville after 42 years. Since joining the bank in 1975, he has served in various positions, including internal auditor, cashier, senior vice president and chief financial officer, as well as his most recent positions as executive vice president and secretary-treasurer.


Reggie Rose has joined Simmons Bank in Conway as a vice president of community banking. He previously served as the general manager of Centennial Country Club in Conway.


See more of this week's Movers & Shakers, and submit your own announcement at ArkansasBusiness.com/Movers.


Tandem Self-Storage Sales Combine for $5.2 Million (Real Deals)

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A pair of mini-storage projects in southwest Little Rock changed hands in two deals totaling $5.2 million.

SSCP Geyer Springs Rd LLC acquired the 376-unit project at 8015 Geyer Springs Road for $3.16 million, and SSCP Leon Circle LLC purchased the 562-unit project at 6100 Leon Circle for $2.09 million.

The affiliates of Philadelphia’s Self Storage Capital Partners bought the properties from Little Rock Self Storage LLC of Cordova, Tennessee.

The deal is financed with a five-year loan of $7 million from Citigroup Global Markets Realty Corp. of New York.

The 4.88-acre Geyer Springs development previously was tied to an October 2014 mortgage of $1.88 million held by Centennial Bank of Conway.

The property was acquired for $2.35 million more than two years ago from Cubby Hole USA 2 Ltd. of Hallsville, Texas.

The 3.34-acre Leon Circle development previously was linked with a November 2014 mortgage of $1.41 million held by Centennial.

The property was purchased for $1.7 million more than two years ago from Wood Stone Little Rock LLC of Mount Kisco, New York.

Retail Acquisition
A 25,400-SF retail center in west Little Rock tipped the scales at $1.85 million.

9801 West Markham LLC, led by Justin Muller and Andrew Holbert, bought the Markham Square project at 9801 W. Markham St. The seller is Markham Square Holdings LLC, led by Jason LaFrance.

The deal is backed with a five-year loan of $1.8 million from FNBC Bank of Ash Flat.

The 2.31-acre development previously was tied to a March 2016 mortgage of $1.4 million from Relyance Bank of Pine Bluff.

Markham Square Holdings purchased the property for $1.8 million in November 2009 from Markham Square LLC, led by Gene Cauley.

Office-Warehouse Buy
A 45,860-SF office-warehouse in North Little Rock weighed in at $1.65 million.

BlueCoop LLC, led by Robert Bluejacket, Marcia Cooper and Glenn Petkovsek, acquired the Jenkins Enterprises project at 4949 W. Bethany Road.

The seller is JWJ Investments LLC, led by Steve Jenkins.

The deal is funded with a 15-year loan of $1.4 million from Regions Bank of Birmingham, Alabama.

The 4.74-acre location was assembled in two deals totaling $20,000, plus a trade.

The sellers were the city of North Little Rock, $16,000 in March 1983; George and Linda Stancil and Kirview and Clairette Wicker, $4,000 in June 1985; and a land swap with Cemco Inc., led by Buddy York, in December 1989.

Dairy Queen Site
A Dairy Queen development in midtown Little Rock is in motion after a $700,000 land deal.

You Scream Properties University LLC, led by Todd Denton, purchased the 1.4-acre site at 6100 W. 12th St. The seller is BH University Development LLC, led by Brandon Huffman, James Barnes and James Batcheller.

The deal is financed with a three-month loan of $630,000 from Simmons Bank of Pine Bluff.

The property was acquired in June 2013 as part of a $3 million deal with MBC Holdings Worldwide LLC, led by Bruce Burrow and Marty Belz.

C1 Transaction
A 19,000-SF driver training facility in North Little Rock is under new ownership after a $480,000 sale.

Legal Beagle Properties LLC, led by Steven Moss, bought the C1 Truck Driver Training project at 7303 U.S. 70. The seller is Maverick Real Estate LLC, led by Stephen Williams.

Maverick purchased the 7.87-acre property for $332,000 in September 1993 from Williams Properties East Inc., led by Williams.

Heights Home
A 4,724-SF home in Little Rock’s Country Club Heights neighborhood rang up a $1.15 million sale.

Louis and Jolene Wilson acquired the house from 2115 Properties LLC, an affiliate of Riverside Bank led by Stephen Davis and David Matchett.

The deal is backed with a 10-year loan of $1 million from IberiaBank of Lafayette, Louisiana.

The residence previously was linked with a September 2015 mortgage of $1.1 million held by Allied Bank of Mulberry.

Riverside Bank recovered the property from Lane Kidd and Jennifer Matthews Kidd in a $1.37 million foreclosure sale in March 2011.

The house carried $1.52 million of Riverside debt when the foreclosure process began in July 2010.

PV Residence
A 5,000-SF home in west Little Rock’s Pleasant Valley neighborhood drew a $950,000 transaction.

Michael and Katherine Miller purchased the house from Jim Pace Homes LLC. The deal is funded with a 30-year loan of $417,000 from One Bank & Trust of Little Rock.

The residence previously was tied to an April 2016 mortgage of $760,000 held by BancorpSouth Bank of Tupelo, Mississippi.

The land was acquired for $260,000 10 months ago from Shashwat and Falguni Goyal.

Courts House
A 5,477-SF home in The Courts neighborhood of west Little Rock’s Chenal Valley development sold for $565,000.

Judith McDaniel bought the house from Eloy and Megan De La O.

The deal is financed with a 30-year loan of $423,750 from Centennial Bank.

The residence previously was linked with a December 2014 mortgage of $417,000 held by Little Rock’s Bank of the Ozarks.

The property was purchased for $525,000 more than two years ago from John and April McMorran.

Mirabel Abode
A 3,920-SF home in the Mirabel Court neighborhood of west Little Rock’s Chenal Valley development changed hands in a $559,585 transaction.

Christopher Shields acquired the house from Richard Harp Homes Inc. The deal is backed with a 30-year loan of $417,000 from Bank of Little Rock Mortgage Corp.

The residence previously was tied to a March 2016 mortgage of $465,000 held by Gateway Bank of Rison.

The location was bought for $82,000 in December 2015 from Deltic Timber Corp. of El Dorado.

Diamond Bank Opens Branch In Crowded Ashdown Market

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Diamond Bank of Murfreesboro is expanding its southwest Arkansas footprint by opening an Ashdown branch.

The project represents the 14th full-service office for the $528 million-asset lender and its first in Little River County.

The addition of Diamond creates a competitive field of five banks in Ashdown that includes Little Rock’s Bear State Bank; Regions Bank of Birmingham, Alabama; Wells Fargo Bank of Sioux Falls, South Dakota; and BancorpSouth Bank of Tupelo, Mississippi.

Diamond has operated a loan production office in Ashdown since 2014.

Farmers Bank Shareholders Set for $4.5 Million Cash Out

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The pending $4.5 million sale of Farmers Bank of Hamburg will further pare the headcount of Arkansas lenders with less than $50 million in assets to four.

The sale to Southern Bancorp Inc. of Arkadelphia also marks the final reward for investors who stood by Farmers when insolvency was knocking on the door.

Since 2008, the bank has produced a combined net income of only $103,000. Its biggest profit during the past 15 years was recorded in 2007: $3 million.

That historical figure reflected a $2.7 million reduction in its loan loss reserves tied to the ill-fated Hermitage Tomato Cooperative Association.

That bookkeeping move was made in advance of a favorable outcome in a long-running legal battle with Uncle Sam.

Farmers Bank collected almost $4.4 million in February 2008 from the U.S. Department of Agriculture after the 8th U.S. Circuit Court of Appeals in St. Louis ruled in its favor.

The decision required the USDA to honor a sizable chunk of its guarantee on loans totaling more than $8 million to the tomato cooperative.

The judgment essentially repaid Farmers Bank the loss it was forced to book in 2003 in connection with the cooperative and the USDA dispute.

Shareholders invested $5 million to keep the bank solvent in the third quarter of 2003 as a preface to pursuing claims against the USDA. Most of that emergency recapitalization was repaid by dividends of $3.1 million in the first quarter of 2008.

Mixed in with the fiscal drama, the Federal Deposit Insurance Corp. issued a November 2004 cease-and-desist order to clean up unsafe and unsound bank-ing practices related to violations of the Bank Secrecy Act and fix informa-tion technology shortcomings.

Inexplicably, the FDIC terminated the order in November 2006 but didn’t announce Farmers Bank was in compliance until a year later.

The pending book value transaction will fold Farmers Bank into Southern Bancorp Bank, a $1.1-billion asset community development financial institution that operates in eight counties in southern and eastern Arkansas as well as nine counties in Mississippi.

Among the leading investors in Farmers Bank are:

  • The Nancy C. Foote Spivey Revocable Trust of Hamburg, 31 percent worth about $1.4 million.
  • Spivey Family LLLP, led by John Spivey III of Little Rock, 18.3 percent worth about $824,845.
  • Phil and Inez Barnes of Hamburg, 13.8 percent worth about $621,000.
  • Bobby and Elizabeth Witherington of Hamburg, 6 percent worth about $271,410.

Farmers Bank, Hamburg
Staff: 12       Full-Service Locations: One
(All dollars in thousands)

  2016 2015 2014 2013 2012 2011 2010 2009 2008
Total Assets $42,199 $42,560 $43,083 $40,716 $41,791 $42,217 $40,305 $31,739 $34,026
Equity Capital $4,517 $4,052 $4,701 $4,350 $4,743 $4,595 $4,682 $4,948 $4,989
Noncurrent Loans $83 $93 $82 $78 $408 0 $186 $488 $867
Net Income -$89 -$64 $134 $50 $215 -$293 -$28 -$60 $238

Source: FDIC

‘Colorado Craftsman’ Project Enters Little Rock Market

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A new development vision with a Western flair has recast a would-be Little Rock subdivision into a $40 million townhome project.

In recognition of a market shift in millennial housing patterns, Village at the Gateway is courting tenants instead of homebuyers.

“It was kind of like remodeling a house except we are remodeling a subdivision,” said Russ Huckaby, CEO of Big Rock Development LLC.

Huckaby and his business partner, Bob Francis, are overseeing construction of a 145-duplex neighborhood geared toward renters wanting to live on the edge of home ownership.

The townhomes feature a tricked-out amenity package that appeals to a growing market of younger and older residents who aren’t interested in ownership but crave the niceties of an attached garage and more space between neighbors.

“We believe this is the way it’s going between millennials and the baby boomers,” said Francis, CFO of Big Rock.

The early reception to the one-bedroom model townhome at 12506 Vimy Ridge Road has surpassed even their optimistic expectations. Big Rock recorded 42 preleases in the first 35 days of showing the property that began in early January.

“We’re over 50 now,” Huckaby said. “We don’t even have asphalt down at this point.”

The project represents a turnaround in the making for the property as well as Huckaby’s development career.

Ten years ago, the 37-acre Village at the Gateway site was going to be part of The Ridge Estates. But plans for the 204-lot, single-family subdivision fell apart in the face of financial miscalculation.

Unforeseen costs associated with utilities and infrastructure requirements by the city of Little Rock were blamed for the budgeting shortfall.

The timing of that realization heading into the 2008 financial meltdown was made all the more dramatic for the movers behind The Ridge Estates, John S. Williams and Nick McDaniel.

After clearing the site and wading into the early utility and infrastructure work in 2007, the project came to a halt followed by defaults on a loan and special improvement bonds that triggered dual foreclosures in 2009.

The project’s failure contributed to the Chapter 11 bankruptcy of Williams in July 2009 and the Chapter 7 bankruptcy of McDaniel in March 2012.

First Community Bank of Batesville, trustee of the ill-fated $1 million bond issue, was left as the caretaker of the property after recovering it in 2010.

“They didn’t have enough funds to complete it, and with the downturn in economy, they walked away from the project,” said Dale Cole, CEO of the bank.

Huckaby endured his own Chapter 7 bankruptcy in July 2010 after he hit the financial wall with his residential and commercial projects in Pulaski and Saline counties.

“It was nobody’s fault, but at the end of the day, it’s mine,” Huckaby said. “It’s been a humbling experience.”

He worked with his lenders during the bankruptcy and gained a reputation for helping fix things that led to work helping banks with problem properties.

The problem property on Vimy Ridge Road caught the eye of Francis, whose finance background has focused primarily on real estate during the past 30 years. The Little Rock businessman also is known for his restaurant-entertainment dabblings during the 1970s and 1980s that included Cash McCool’s Saloon & Game Parlor, a forerunner of today’s Dave & Buster’s.

Francis teamed up with Huckaby to figure out a development plan to make the numbers work for the 59.6-acre tract once envisioned for The Ridge Estates.

“I’d always thought about doing duplexes, but I could never pull it together,” Huckaby said. “It all came together with the right timing.”

“We spent two years looking at this,” Francis said.

Until late last year, the partially improved property less than a mile from Interstate 30 sat dormant as potential developers looked but passed on restarting the project or bringing a new concept to the table.

More units on less land with an eye toward selling off the balance of the property for

commercial development is the plan Big Rock has in motion.

“What Bob and Russ recognized was density,” Cole said. “Density makes it economically feasible — and the lifestyle of a high-end apartment complex with the privacy of a home, no one living above you or below you.

“They have a unique idea that is really going to be successful. It doesn’t look like a typical duplex. It looks more like a single-family home.”

Huckaby calls the look Colorado Craftsman, an updated take on retro residential with blue spruce plantings for the landscape. The design is the product of working with the Dallas staff of Stantec Inc., the global design and consulting firm based in Edmonton, Canada.

“We probably went through 100 revisions,” Huckaby said.

The “Gateway” name is a nod to the nearby Gateway Town Center, and the Western vibe of the townhomes is inspired by the retail project’s Bass Pro Shop.

The one-, two- and three-bedroom townhomes will be decked out with the amenities of the latest upscale apartments supported by a clubhouse and dog park.

“Will it compare with other projects in the market, or how much better will it be?” Huckaby said. “It’s the test of tests.”

“Based on demand, we’ll have it all built out this year,” Francis said.

The entryway utility-roadwork along Vimy Ridge Road is winding down, and the construction of townhomes is about to begin.

“We will start building Tuesday,” Huckaby said.

Sentencing Set for Fort Smith Developer Brandon Woodrome

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Brandon Woodrome, the 29-year-old Fort Smith construction company owner, will be sentenced April 18 for one count each of bank fraud and wire fraud.

In September, Woodrome waived indictment and plead guilty to the crimes in the U.S. District Court in Fort Smith.

He admitted to receiving more than $2.1 million from First Western Bank of Booneville and a finance company in Texas by submitting fraudulent invoices, crimes for which he faces years in federal prison.

“What happened was our growth outpaced our actual sales,” Woodrome, whose company was called Behr LLC, told Arkansas Business in October. “And instead of responding to a decline in sales by controlling overhead expenses, I just tried to push through and underbid projects. It compounded the problems.”

Bank fraud carries a penalty of up to 30 years federal prison, a fine of $1 million or both. Woodrome could be sentenced up to 20 years, a maximum fine of $250,000, or both for the wire fraud count. But his plea agreement suggests a sentence that’s more likely to be two to four years.

Woodrome will be sentenced by Chief U.S. District Judge P.K. Holmes III.

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